laporan tahunan pelaksanaan tata kelola ... - permata bank

Laporan TahunanPelaksanaan Tata Kelola Terintegrasi

Konglomerasi Keuangan Grup AstraPeriode 31 Desember 2019

Annual Report on the Implementation

of the Integrated GCG forFinancial Conglomeration of Astra Group

for the Period of 31 December 2019

1PT Bank Permata Tbk

Laporan Tahunan Pelaksanaan Tata Kelola Terintegrasi Konglomerasi Keuangan Grup Astra Periode 31 Desember 2019Annual Report on the Implementation of the Integrated GCG for Financial Conglomeration of Astra Group for the Period of 31 December 2019

1. LAPORAN PENILAIAN SENDIRI (SELF ASSESSMENT) PELAKSANAAN TATA KELOLA TERINTEGRASI KONGLOMERASI KEUANGAN GRUP ASTRA

Entitas Utama | Lead Entity : PT Bank Permata Tbk Posisi Laporan | Period (as of) : 31 Desember | December 2019

Hasil Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola TerintegrasiSelf Assessment Result Integrated GCG Implementation

PeringkatRating

Definisi PeringkatDefinition

Konglomerasi Keuangan Grup AstraFinancial Conglomeration of Astra Group

Entitas Utama | Lead Entity: PT Bank Permata Tbk

Lembaga Jasa Keuangan (LJK) |Financial Service Institutions (FSI):- PT Asuransi Astra Buana - PT Astra Auto Finance- PT Astra Aviva Life- PT Astra Multi Finance- PT Astra Sedaya Finance- PT Federal International Finance- PT Komatsu Astra Finance- PT Sahabat Finansial Keluarga - PT Staco Estika Sedaya Finance- PT Surya Artha Nusantara Finance- PT Swadharma Bhakti Sedaya Finance- PT Toyota Astra Financial Services

2 Konglomerasi Keuangan dinilai telah melakukan penerapan Tata Kelola Terintegrasi yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip Tata Kelola Terintegrasi. Apabila terdapat kelemahan dalam penerapan Tata Kelola Terintegrasi, secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh Entitas Utama dan/atau LJK.The Financial Conglomerate is considered to have implemented the Integrated Corporate Governance good in general. This is reflected from adequate compliance in the implementation of Integrated Corporate Governance principles. If there is any weakness in the implementation of Integrated Corporate Governance, such weakness is generally less significant and can be solved by normal actions by the Lead Entity and/or the FSI.

Analisis | Analysis

Peringkat untuk masing-masing faktor:

No. FaktorFactor

PeringkatRating

1 Direksi Entitas Utama | The Board of Directors of Lead Entity 2

2 Dewan Komisaris Entitas Utama | The Board of Commissioners of Lead Entity 1

3 Komite Tata Kelola Terintegrasi | The Integrated Governance Committee 1

4 Satuan Kerja Kepatuhan Terintegrasi | The Integrated Compliance Work Unit 2

5 Satuan Kerja Audit Intern Terintegrasi | The Integrated Internal Audit Work Unit 2

6 Penerapan Manajemen Risiko Terintegrasi | Implementation of Integrated Risk Management 2

7 Pedoman Tata Kelola Terintegrasi | The Integrated Governance Charter 2

1. SELF ASSESSMENT REPORT IMPLEMENTATION OF INTEGRATED GOOD CORPORATE GOVERNANCE FOR FINANCIAL CONGLOMERATION OF ASTRA GROUP

Rating for each factor:

PT Bank Permata Tbk


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Kekuatan pelaksanaan Tata Kelola Terintegrasi:I. Integrated Governance Structure:

1. Direksi Entitas Utama: Per tanggal 31 Desember 2019, seluruh anggota Direksi

telah efektif (telah lulus Penilaian Kemampuan dan Kepatutan). Sehubungan dengan pengunduran diri Bpk. Loh Tee Boon pada semester 1 tahun 2019, pada saat ini Ibu Lea Kusumawijaya (Direktur Keuangan) juga menjabat sebagai Interim Direktur Risiko.

2. Dewan Komisaris Entitas Utama: Anggota Dewan Komisaris Bank Permata berjumlah 8

(delapan) orang dan tidak melampaui jumlah anggota Direksi. Per 31 Desember 2019, seluruh anggota Dewan Komisaris Bank Permata telah memperoleh persetujuan dari Otoritas Jasa Keuangan.

3. Komite Tata Kelola Terintegrasi:a) Komite Tata Kelola Terintegrasi telah dibentuk sesuai

ketentuan yang berlaku.b) Jumlah dan komposisi Komisaris Independen yang

menjadi anggota Komite Tata Kelola Terintegrasi telah sesuai dengan kebutuhan Konglomerasi Keuangan Grup Astra.

4. Satuan Kerja Kepatuhan Terintegrasi: a) Bank dan SFK telah memenuhi seluruh kriteria pada

aspek Governance Structure yaitu satuan kerja kepatuhan independen dengan kecukupan SDM yang berkualitas serta struktur dan infrastruktur tata kelola saat ini secara umum sudah cukup baik.

b) Konglomerasi Keuangan Astra Non-Bank memiliki Satuan Kerja Kepatuhan Terintegrasi yang terpisah dari satuan kerja operasional (independen).

c) Satuan Kerja Kepatuhan Terintegrasi tersebut di atas telah memenuhi syarat sebagai anggota Satuan Kerja yang berkualitas sesuai dengan ketentuan yang berlaku.

5. Satuan Kerja Audit Intern Terintegrasi:a) Satuan Kerja Audit Intern Terintegrasi (SKAIT)

independen terhadap satuan kerja operasional.

GCG implementation strength:I. Governance Structure:

1. Performance of The Board of Directors of Lead Entity: The Board of Directors of Bank Permata per 31 December

2019 consists 8 (eight) persons. As of 31 December 2019, all members of the Board of Directors are effective (passed the Fit & Proper Test). With regard to the resignation of Mr. Loh Tee Boon during first semester 2019, currently Mrs. Lea Kusumawijaya (Finance Director) also acts as Interim Risk Director.

2. The Board of Commissioners of Lead Entity: The Board of Commissioners of Bank Permata consists

8 (eight) persons and does not exceed the number of Board of Directors. As of 31 December 2019, all members of Board of Commissioners have obtained approval from Otoritas Jasa Keuangan.

3. Integrated Governance Committee:a) The Integrated Corporate Governance Committee has

established in accordance with prevailing regulation.b) The number and composition of the Independent

Commissioners who become the members of the Integrated Corporate Governance Committee have fulfilled the needs of the Financial Conglomerate of Astra Group.

4. The Integrated Compliance Work Unit:a. Bank and SFK have met all criteria in the Governance

Structure aspect which is an independent compliance working unit with adequate and qualified human resources also governance structure and infrastructure for the current company’s condition in general.

b. The Integrated Compliance Work Unit of FSIs Non Bank in Financial Conglomeration of Astra Group is separated from any operational work unit (independent).

c. The Integrated Compliance Work Unit of FSIs Non Bank in Financial Conglomeration of Astra Group has fulfilled the requirement as qualified member of work unit, in accordance with prevailing regulation.

5. The Integrated Internal Audit Work Unit:a) The Integrated Internal Audit is independent from the

operational working unit.



b) Direksi Entitas Utama telah memenuhi kebutuhan sumber daya manusia yang berkualitas untuk pemenuhan anggota Satuan Kerja Audit Intern Terintegrasi.

c) Satuan Kerja Audit Internal (LJK Non Bank) independen terhadap satuan kerja operasional.

6. Penerapan Manajemen Risiko Terintegrasi:a) Bank memiliki struktur dan infrastruktur tata kelola

risiko yang memadai untuk mendukung pelaksanaan Integrated Good Corporate Governance sesuai dengan harapan stakeholder.

b) LJK Non Bank telah memiliki struktur organisasi manajemen risiko yang memadai serta telah memiliki kebijakan, prosedur dan menetapkan limit penerapan manajemen risiko terintegrasi bagi Konglomerasi Keuangan.

7. Pedoman Tata Kelola Terintegrasi:a) Pedoman Tata Kelola Terintegrasi Grup Astra telah

disusun sesuai ketentuan yang berlaku (Peraturan OJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan).

b) Kerangka Pedoman Tata Kelola Terintegrasi telah mencakup seluruh hal/indikator yang dipersyaratkan dalam peraturan dan surat edaran OJK tentang Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan.

c) Pedoman Tata Kelola Terintegrasi bagi LJK Non-Bank (perusahaan asuransi dan perusahaan pembiayaan) sesuai dengan ketentuan OJK yang berlaku bagi sektor bisnis terkait.

II. Integrated Governance Process:1. Direksi Entitas Utama: Direksi Entitas Utama telah menyampaikan Pedoman

Tata Kelola Terintegrasi kepada Direksi LJK dalam Konglomerasi Keuangan.

2. Dewan Komisaris Entitas Utama: Dewan Komisaris Entitas Utama melakukan pengawasan

atas pelaksanaan tugas dan tanggung jawab Direksi Entitas Utama.

3. Komite Tata Kelola Terintegrasi: Komite Tata Kelola Terintegrasi telah menyelenggarakan

rapat Komite Tata Kelola Terintegrasi sesuai ketentuan.

b) The Board of Directors of Lead Entity has supported Integrated Internal Audit team by providing qualified human resources.

c) SKAI (FSI Non Bank) is independent from the operational working unit.

6. Implementation of Integrated Risk Management:a) Bank has adequate risk governance structure and

infrastructure to support the implementation of Good Corporate Governance in meeting the stakeholder’s expectation.

b) FSIs non bank has adequate organization structure and deep knowledge on the integrated risk management, FSIs non bank also has policy, procedure and set limit of integrated risk management for financial conglomeration.

7. The Integrated Governance Charter:a. The Integrated Governance Charter of Astra Group

has been arranged in accordance with the prevailing regulation (OJK Regulation No. 18/POJK.03/2014 regarding the Implementation of Integrated Corporate Governance for Financial Conglomerate).

b. The framework of the Charter has covered those twelve factors as stipulated in OJK regulation and OJK circular letter related to the Integrated Governance for Financial Conglomeration.

c. The Integrated Governance Charter for FSIs Non Bank (insurance company and multifinance company) is in accordance with the requirement from OJK for each relevant business sector.

II. Governance Process:1. Performance of The Board of Directors of Lead Entity: The Board of Directors of the Lead Entity delivered the

Integrated Governance Charter to the Board of Directors of the FSIs within the Financial Conglomerate

2. The Board of Commissioners of Lead Entity: The Board of Commissioners of the Lead Entity

supervises the performance of duties and responsibilities of the Board of Directors of the Lead Entity.

3. Integrated Governance Committee: The Integrated Governance Committee conducted

meeting in accordance with prevailing regulation.

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4. Satuan Kerja Kepatuhan Terintegrasi:a) Bank dan SFK telah memenuhi seluruh kriteria pada

aspek Governance Process dengan: - melakukan pemantauan penerapan atas setiap

peraturan regulator baru yang mempunyai dampak yang signifikan;

- melakukan kajian atas seluruh kebijakan yang akan dikeluarkan;

- melakukan monitoring terhadap pemenuhan komitmen kepada pihak regulator.

b) Satuan Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra Non-Bank telah melakukan fungsinya untuk memantau dan mengevaluasi fungsi kepatuhan di LJK dalam Konglomerasi Keuangan Astra Non-Bank secara berkala.

c) Fungsi Kepatuhan di LJK dalam Konglomerasi Keuangan Astra secara umum telah menjalankan fungsinya dalam memantau dan mengevaluasi pelaksanaan peraturan dan undang-undang yang berlaku.

5. Satuan Kerja Audit Intern Terintegrasi:a) Satuan Kerja Audit Intern Terintegrasi (SKAIT) telah

memantau pelaksanaan audit intern pada Bank Permata dan SFK melalui Laporan Self Assessment yang disampaikan secara semesteran. Hal lain yang telah dilakukan proses adaptasi metodologi audit termasuk pengkinian Kebijakan dan Prosedur SKAIT.

b) Pelaksanaan proses monitoring yang dilakukan SKAIT atas audit yang dilakukan oleh SKAI LJKNB.

6. Penerapan Manajemen Risiko Terintegrasi:a) Bank telah menetapkan dan membangun manajemen

risiko terintegrasi yang baik yang mencakup pengawasan dari Dewan Komisaris dan Direksi Entitas Utama; kecukupan kebijakan, prosedur, dan penetapan limit manajemen risiko terintegrasi; kecukupan proses identifikasi, pengukuran, pemantauan, pengendalian risiko secara terintegrasi, dan sistem informasi manajemen risiko terintegrasi; dan sistem pengendalian intern yang menyeluruh terhadap penerapan manajemen risiko terintegrasi.

4. The Integrated Compliance Work Unit:a. Bank and SFK have fulfilled all criteria in the

Governance Process aspect by:- monitoring on the implementation of regulations

with significant impact;

- reviewing all policies to be issued;

- fulfillment of commitment to regulator monitoring.

b) The Integrated Compliance Work Unit of FSIs Non Bank in Financial Conglomeration of Astra Group has monitored and evaluated the compliance function in FSIs Non Bank in Financial Conglomeration of Astra Group.

c) The Compliance function of FSIs Non Bank in Financial Conglomeration of Astra Group in general has conducted its function in monitor and evaluate the implementation of prevailing regulation.

5. The Integrated Internal Audit Work Unit:a) The Integrated Internal Audit has monitored the

implementation of internal audits at Bank Permata and SFK half yearly Self Assessment Report. SFK also adopted the bank’s audit methodology including its Policies and Procedures.

b) Monitoring of the implementation of Internal Audit Work Unit in FSI Non Bank by the Integrated Internal Audit Work Unit.

6. Implementation of Integrated Risk Management:a) Bank has established and implemented good

integrated risk management which is include Lead Entity BoD and BoC oversight; the adequacy of integrated risk management policies, procedures, limit setting; the adequacy of the integrated process of risk identification, measurement, monitoring, and control, and the integrated risk management information system; and also comprehensive internal control system on integrated risk management implementation.



b) Aktivitas terkait yang telah dilaksanakan adalah penyusunan kebijakan, prosedur, dan penetapan limit, evaluasi kebijakan manajemen risiko terintegrasi, pelaporan profil risiko terintegrasi, pelaporan limit risiko, penyampaian laporan penerapan manajemen risiko terintegrasi oleh setiap LJK serta pelaksanaan rapat KMRT secara berkala.

c) LJK Non Bank telah menerapkan manajemen risiko terintegrasi atas seluruh tipe risiko yang ditetapkan OJK.

7. Pedoman Tata Kelola Terintegrasi:a) Secara umum, dalam pelaksanaan Tata kelola

Terintegrasi, Bank dan SFK telah mengacu kepada Pedoman Tata kelola Terintegrasi dan ketentuan terkait lainnya dalam masing-masing industri.

b) Penyusunan kebijakan/SOP oleh masing-masing LJK Non-Bank untuk memastikan terlaksananya tata kelola yang baik sesuai dengan Pedoman Tata Kelola Terintegrasi bagi LJK Non-Bank.

III. Integrated Governance Outcome:1. Direksi Entitas Utama: Direksi Entitas Utama senantiasa memperhatikan

ketentuan bahwa Direksi Entitas Utama harus memastikan temuan audit dan rekomendasi dari pihak-pihak terkait telah ditindaklanjuti oleh LJK dalam Konglomerasi Keuangan. Namun demikian, pengawasan Bank Permata sebagai Entitas Utama tidak dilakukan secara langsung menjangkau seluruh LJK anggota Konglomerasi Keuangan Astra, namun melalui SKMRT, SKKT dan SKAIT yang bertanggung jawab ke Direktur yang membawahi fungsi manajemen risiko terintegrasi, fungsi kepatuhan terintegrasi dan fungsi audit intern terintegrasi di Entitas Utama. Untuk pengawasan terkait LJK Non Bank dikoordinasikan oleh PIC LJK Non Bank dan untuk pengawasan terkait LJK Bank dikoordinasikan oleh PIC LJK Bank.

2. Dewan Komisaris Entitas Utama: Hasil kinerja Dewan Komisaris, berupa hasil rapat Dewan

Komisaris telah didokumentasikan dengan baik.

b) Activities that have been accomplished are the establishment of policy, procedure, and risk limit, the evaluation of integrated risk management policy, integrated risk profile reporting, risk limit reporting, submission integrated risk management implementation report from each FSI and periodically meeting of IRMC.

c) FSIs non bank has implemented risk management, such as monitoring risk type as required by OJK.

7. The Integrated Governance Charter:a) In general, the implementation of Integrated

Governance process by Bank and SFK has referred to the Integrated Governance Charter and other related regulation for each relevant industry.

b) The arrangement of the policy/SOP for each FSI Non Bank to ensure the implementation of good governance in accordance with The Integrated Governance Charter for FSI Non Bank.

III. Governance Outcome:1. Performance of The Board of Directors of Lead Entity: The Board of Directors of the Lead Entity always take into

account the provision that the Board of Directors must ensures the audit findings and recommendations from related parties has been followed up by the FSIs within Financial Conglomerate. However, Bank Permata as Lead Entity do not perform direct oversight into all FSI in Astra Financial Conglomerate, but through IRM Unit, SKKT Unit and SKAIT Unit that held a direct responsibility to Director in charge of Integrated Risk Management function, Integrated Compliance function, and Integrated Internal Audit function in Lead Entity. For supervision related to FSI Non Bank is coordinated by PIC Non Bank and for supervision related to FSI Bank is coordinated by PIC Bank.

2. The Board of Commissioners of Lead Entity: The outcome of the Board of Commissioners’

performance, namely the result of meeting of the Board of Commissioners has been properly documented.

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3. Komite Tata Kelola Terintegrasi: Hasil rapat Komite Tata Kelola Terintegrasi telah

dituangkan dalam risalah rapat dan didokumentasikan dengan baik.

4. Satuan Kerja Kepatuhan Terintegrasi: a) Bank dan SFK telah memenuhi hampir seluruh kriteria

pada aspek Governance Outcome. Penerapan manajemen risiko kepatuhan telah dilaksanakan secara efektif sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan dan kemampuan Bank dan SFK.

b) Satuan Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra Non-Bank telah menyampaikan laporan pelaksanaan tugas dan tanggung jawabnya kepada Direktur yang membawahkan fungsi Kepatuhan Entitas Utama dalam hal ini Bank Permata pada waktu yang telah ditentukan.

c) Laporan pelaksanaan tugas dan tanggung jawab Satuan Kerja Kepatuhan Terintegrasi Konglomerasi Keuangan Astra tersebut telah diterima dengan baik dan tepat waktu, serta telah memenuhi ketentuan dari peraturan dan undang-undang yang berlaku.

5. Satuan Kerja Audit Intern Terintegrasi:a) SKAIT Bank telah menyampaikan dan

mengkomunikasikan laporan pelaksanaan tugas dan tanggung jawab kepada Presiden Direktur Entitas Utama, Dewan Komisaris Entitas Utama dan Direktur yang membawahi fungsi kepatuhan Entitas Utama secara semesteran.

b) SKAIT bertindak obyektif dalam melakukan pemantauan sesuai yang tercantum di Piagam Internal Audit dan Kode Etik.

c) Rekomendasi hasil audit telah sesuai dengan permasalahan dan dapat digunakan sebagai acuan perbaikan.

d) Rekomendasi (SKAI LJK Non Bank) didasarkan pada root cause yang komprehensif untuk dapat digunakan sebagai acuan untuk perbaikan ke depan.

6. Penerapan Manajemen Risiko Terintegrasi:a) Penerapan manajemen risiko terintegrasi telah

dilaksanakan secara efektif di Bank sesuai dengan karakteristik dan kompleksitas usaha Konglomerasi Keuangan dan kemampuan Bank.

3. Integrated Governance Committee: The result of meeting of the Integrated Governance

Committee has been incorporated into the minutes of meeting and properly documented.

4. The Integrated Compliance Work Unit:a. Compliance risk management implementation has

been conducted effectively as per the Financial Conglomeration characteristic and business and also the Bank and SFK’s condition.

b. The Integrated Compliance Work Unit of FSIs Non Bank in Financial Conglomeration of Astra Group has submitted the report on the performance of its duties and responsibilities to the Director in charge in compliance function of the Lead Entity, in timely manner.

c. The report on the implementation of duties and responsibilities of Integrated Compliance Work Unit of Financial Conglomeration of Astra Group has been received in timely manner, in accordance with the prevailing regulation.

5. The Integrated Internal Audit Work Unit:a) The Integrated Internal Audit has submitted and

communicated the half yearly report outlining its duties and responsibilities to President Director of Lead Entity, Board of Commissioners of Lead Entity and Compliance Director of Lead Entity.

b) In accordance with the Internal Audit Charter and Code of Ethics, SKAIT conducts an objectively in monitoring of audit execution.

c) Recommendations on audit results are in accordance with the issues and can be used as a reference for improvement.

d) Recommendation (of SKAI FSI Non Bank) are based on the root cause for improvement in the future.

6. Implementation of Integrated Risk Management:a) The integrated risk management has been effectively

implemented in Bank and inline with Financial Conglomerate characteristic and business complexity and Bank’s capability.



b) Berdasarkan laporan penilaian peringkat risiko bank kuartal 3 2019, peringkat risiko pada seluruh tipe risiko relatif stabil dan tidak mengalami perubahan peringkat risiko inheren dan kualitas manajemen risiko dibandingkan periode sebelumnya. Hasil keseluruhan risiko inheren adalah Low to Moderate dan kualitas manajemen risiko adalah Satisfactory.

c) Direksi dan Dewan Komisaris telah melaksanakan tugas dan tanggung jawabnya terkait manajemen risiko terintegrasi. Penerapan manajemen risiko terintegrasi cukup efektif dengan penyesuaian atas kondisi bisnis, kompleksitas produk, ketersediaan sumber daya dan strategi bisnis LJK (Non Bank).

7. Pedoman Tata Kelola Terintegrasi:a) Secara umum, hasil Tata Kelola Terintegrasi

telah mencerminkan bahwa Bank dan SFK telah menerapkan prinsip-prinsip tata kelola yang baik sesuai dengan Pedoman Tata Kelola Terintegrasi Grup Astra dan ketentuan terkait lainnya dalam masing-masing industri.

b) Berkaitan dengan LJK Non Bank:- Seluruh direktur, komisaris dan anggota dewan

pengawas syariah (jika ada) di masing-masing LJK Non-Bank telah lulus Uji Kemampuan dan Kepatutan (Fit & Proper Test).

- Pemenuhan jumlah minimum dan ketentuan rangkap jabatan direktur, komisaris, dan anggota dewan pengawas syariah (jika ada) sesuai dengan peraturan sektor bisnis terkait.

- Adanya independensi dalam tindakan Dewan Komisaris.

- Pelaksanaan fungsi pengurusan oleh direksi dan fungsi pengawasan oleh dewan komisaris serta dewan pengawas syariah (jika ada) dengan baik sesuai dengan prinsip-prinsip tata kelola yang baik.

- Pemenuhan ketentuan penyelenggaraan rapat direksi, dewan komisaris dan dewan pengawas syariah (jika ada).

b) Based on risk profile assessment Q3 2019, risk rating in all risk types relatively stable where there is no change in rating of the inherent risk and risk management implementation quality from the previous period. Overall result Inherent Risk rating is Low to Moderate and Risk Management Implementation Quality is Satisfactory.

c) The Board of Directors and the Board of Commissioners have implemented its duties and responsibilities related to integrated risk management. The implementation of risk management is effective with adjustment on the business condition, product complexity, the availability of human resources and business strategy management of FSIs (Non Bank).

7. The Integrated Governance Charter:a) In general, the results of Integrated Governance have

reflected that Bank and SFK have implemented the good governance principles based on the Integrated Governance Charter and other related regulation for each relevant industry.

b) For LJK Non Bank:- All members of the Board of Directors, Board of

Commissioners and Sharia Supervisory Board (if any) in each FSI Non Bank have passed Fit and Proper Test.

- The fulfillment on minimum number and double position requirement for the Board of Directors, Board of Commissioners and Sharia Supervisory Board (if any) in accordance with the prevailing regulation.

- Independent act of the Board of Commissioners.

- Implementation of management function by the Board of Directors and implementation of monitoring function by the Board of Commissioners and Sharia Supervisory Board (if any) is in accordance with governance principles.

- The fulfillment on the requirement on the meeting of the Board of Directors, Board of Commissioners and Sharia Supervisory Board (if any).

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- Terpenuhinya pelaksanaan Fungsi Kepatuhan serta Fungsi Audit (baik intern maupun ekstern).

- Adanya kebijakan tentang pelaksanaan fungsi manajemen risiko, remunerasi serta pengelolaan benturan kepentingan.

Kelemahan pelaksanaan GCG dan penyebabnya: Terdapat kelemahan dalam penerapan Tata Kelola Terintegrasi, namun secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh Entitas Utama dan/atau LJK.

Keterangan:1. Per 31 Desember 2019 tidak terdapat informasi di luar 7 faktor

tersebut di atas yang mungkin berdampak mengganggu penerapan Tata Kelola Terintegrasi pada Konglomerasi Keuangan Grup Astra.

2. Informasi lain-lain (LJK Non Bank): Sejalan dengan ijin yg telah diberikan OJK, untuk selanjutnya

akan ada penambahan anggota KKA Non Bank yaitu PT Sharia Multifinance Astra sebagai bentuk pengembangan usaha di bidang pembiayaan syariah PT Federal International Finance.

PT Sharia Multifinance Astra akan memberikan pelaporan terpisah mulai periode semester 1/2020.

- Fulfillment on the implementation of compliance function and audit function (both internal and external).

- There is policy on the implementation of risk management function, remuneration and conflict of interest management.

GCG weakness and its factors: There are weaknesses in the implementation of integrated governance, but in general such weakness is generally less significant and can be solved by normal actions by the Lead Entity and/or the FSI.

Notes:1. As per 31 December 2019, there is no other information

other than 7 factors above mentioned that may impact the implementation of Integrated Corporate Governance in Financial Conglomeration of Astra Group.

2. Other information (FSI Non Bank): In line with the permits that have been granted by OJK, there

will be additional member of Non-Bank KKA namely PT Sharia Multifinance Astra as business development on Sharia financing of PT Federal International Finance.

PT Sharia Multifinance Astra will provide separate reporting from semester 1/2020.



2. STRUKTUR KONGLOMERASI KEUANGAN DAN STRUKTUR KONGLOMERASI YANG LEBIH LUAS, DALAM HAL BERBEDA


Konglomerasi Grup AstraConglomeration of Astra Group

Entitas Utama | Lead Entity: PT Bank Permata Tbk

Lembaga Jasa Keuangan (LJK) | Financial Service Institutions (FSI):1. PT Asuransi Astra Buana 2. PT Astra Auto Finance3. PT Astra Aviva Life4. PT Astra Multi Finance5. PT Astra Sedaya Finance6. PT Federal International Finance7. PT Komatsu Astra Finance8. PT Sahabat Finansial Keluarga 9. PT Staco Estika Sedaya Finance10. PT Surya Artha Nusantara Finance11. PT Swadharma Bhakti Sedaya Finance12. PT Toyota Astra Financial Services

PT Astra International Tbk

Anak Perusahaan (Subsidiaries):1. PT Astra Auto Trust2. PT Astra Multi Truck Indonesia3. PT Fuji Technica Indonesia4. PT Gaya Motor5. PT Inti Pantja Press Industri6. PT Pulogadung Pawitra Laksana7. PT Tjahja Sakti Motor8. PT Astra Autoprima9. PT Ardendi Jaya Sentosa10. PT Astra Daido Steel Indonesia11. PT Astra Komponen Indonesia12. PT Astra Otoparts Tbk13. PT Century Batteries Indonesia14. PT Federal Izumi Manufacturing15. PT FSCM Manufacturing Indonesia16. PT Gemala Kempa Daya17. PT Indokarlo Perkasa18. PT Menara Terus Makmur19. PT Nusa Keihin Indonesia20. PT Senantiasa Makmur21. PT AUTOPLASTIK INDONESIA22. PT Velasto Indonesia23. PT Pakoakuina24. PT Inkoasku25. PT Palingda Nasional26. PT Kreasi Mandiri Wintor Indonesia27. PT Kiat Mahesa Wintor Distributor28. PT Astra Digital Internasional29. PT Sedaya Multi Investama30. PT Astra Mitra Ventura31. PT Astra Multi Finance32. PT Astra Sedaya Finance33. PT Asuransi Astra Buana

2. THE STRUCTURE OF THE FINANCIAL CONGLOMERATE AND THE WIDER STRUCTURE OF THE CONGLOMERATE, IF DIFFERENT

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34. PT Federal International Finance35. PT Pratama Sadya Sadana36. PT Sedaya Pratama37. PT Staco Estika Sedaya Finance38. PT Stacomitra Graha39. PT Surya Artha Nusantara Finance40. PT Swadharma Bhakti Sedaya Finance41. PT Garda Era Sedaya42. PT Matra Graha Sarana43. PT Sharia Multi Finance Astra44. PT Surya Cakra Anugerah Nusantara45. PT Astra WeLab Digital Arta46. PT Astra Digital Arta47. PT Anugerah Gunung Mas48. PT Bina Pertiwi49. PT Kadya Caraka Mulia50. PT Kalimantan Prima Persada51. PT Multi Prima Universal52. PT Pama Indo Mining53. PT Pamapersada Nusantara54. PT Patria Maritime Lines55. PT Prima Multi Mineral56. PT Telen Orbit Prima57. PT Tuah Turangga Agung58. PT United Tractors Pandu Eng.59. PT United Tractors Tbk60. UT Heavy Industries PTE.LTD61. PT Andalan Multi Kencana62. PT Agung Bara Prima63. PT Asmin Bara Bronang64. PT Asmin Bara Jaan65. PT Universal Tekno Reksajaya66. PT Patria Maritime Industry67. PT Duta Nurcahya68. PT Duta Sejahtera69. PT Borneo Berkat Makmur70. PT Patria Maritim Perkasa71. PT Tambang Supra Perkasa72. PT Piranti Jaya Utama73. PT Energia Prima Nusantara74. PT Karya Supra Perkasa75. PT Acset Indonusa Tbk





76. Acset Indonusa Co, Ltd.77. PT Innotech Systems78. PT Sacindo Machinery79. PT Aneka Raya Konstruksi Mesindo80. PT ATMC Pump Services81. PT Bintai Kindenko Engineering Indonesia82. PT Sumbawa Jutaraya83. PT Tambang Karya Supra84. PT Danusa Tambang Nusantara85. PT Unitra Persada Energia86. Turangga Resources Pte Ltd87. PT Persada Tambang Mulia88. PT Supra Alphaplus Handal89. PT Acset Pondasi Indonusa90. PT Patria Perikanan Lestari Indonesia91. PT Suprabari Mapamindo Mineral92. Unitra Power Pte. Ltd93. PT Universal Tekno Industri94. PT Bina Pertiwi Energi95. PT Ilthabi Energia Tenagahidro96. PT Redelong Hydro Energy97. PT Unitra Nusantara Persada98. PT Agincourt Resources99. PT Astra Graphia Information Technology100. PT Astra Graphia Tbk101. PT Astragraphia Xprins Indonesia102. PT Astra Tol Nusantara (previously Astratel Nusantara)103. PT Indonesia Network104. PT Astra Nusa Perdana (previously Intertel Nusaperdana)105. PT Marga Mandalasakti106. PT Transutama Arya Sejahtera107. PT Marga Harjaya Infrastruktur108. PT Pelabuhan Penajam Banua Taka109. PT Baskhara Utama Sedaya110. PT Astra Transportasi Indonesia111. PT Agro Menara Rachmat112. PT Agro Nusa Abadi113. PT Astra Agro Lestari Tbk114. PT Bhadra Cemerlang115. PT Bhadra Sukses116. PT Borneo Indah Marjaya117. PT Cakradenta Agung Pertiwi

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118. PT Cakung Permata Nusa119. PT Cipta Agro Nusantara120. PT Cipta Narada Lestari121. PT Eka Dura Perdana122. PT Eka Dura Indonesia123. PT Gunung Sejahtera Dua Indah124. PT Gunung Sejahtera Ibu Pertiwi125. PT Gunung Sejahtera Puti Pesona126. PT Gunung Sejahtera Raman Permai127. PT Gunung Sejahtera Yoli Makmur128. PT Karya Tanah Subur129. PT Karyanusa Ekadaya130. PT Kimia Tirta Utama131. PT Lestari Tani Teladan132. PT Letawa133. PT Mamuang134. PT Nirmala Agro Lestari135. PT Pandji Waringin136. PT Pasangkayu137. PT Perkebunan Lembah Bhakti138. PT Persada Bina Nusantara Abadi139. PT Persada Dinamika Lestari140. PT Rimbunan Alam Sentosa141. PT Sari Aditya Loka142. PT Sari Lembah Subur143. PT Sawit Asahan Indah144. PT Sukses Tani Nusasubur145. PT Sawit Jaya Abadi146. PT Subur Abadi Plantations147. PT Subur Agro Makmur148. PT Sumber Kharisma Persada149. PT Surya Indah Nusantara Pagi150. PT Suryaraya Lestari151. PT Tunggal Perkasa Plantations152. PT Waru Kaltim Plantation153. PT Tri Buana Mas154. PT Tanjung Sarana Lestari155. PT Palma Plantasindo156. PT Tanjung Bina Lestari157. PT Mitra Barito Gemilang158. PT Samadista Karya159. PT Arya Kharisma





160. PT Brahmayasa Bahtera161. PT Menara Astra162. PT Astra Land Indonesia163. PT Astra Modern Land164. PT Award Global Infinity165. PT Astra Astari Sejahtera166. PT Astari Marga Sarana167. PT Balai Lelang Serasi168. PT Daya Mitra Serasi169. PT Harmoni Mitra Utama170. PT Serasi Autoraya (TRAC)171. PT Serasi Transportasi Nusantara172. PT Serasi Logistics Indonesia173. PT United Automobil Sembilanpuluh Utama 174. PT Serasi Mitra Mobil175. PT Serasi Shipping Indonesia

Perusahaan Asosiasi (Associates):1. PT Tasti Anugerah Mandiri2. PT Astra Daihatsu Motor3. PT Denso Indonesia4. PT Denso Sales Indonesia5. PT TD Automotive Compressor Indonesia6. PT Jardine Lloyd Thompson7. PT JLT REinsurance Brokers8. PT Rekadaya Multi Adiprima9. PT Komatsu Remanufacturing Asia10. PT United Tractors Semen Gresik 11. PT Bukit Enim Energi12. PT Bhumi Jati Power13. PT Marga Trans Nusantara14. PT Lintas Marga Sedaya

Joint Venture:

1. PT Astra Honda Motor 2. PT Suryaraya Rubberindo Industries3. PT Toyota Astra Motor4. PT Isuzu Astra Motor Indonesia5. PT UD Astra Motor Indonesia6. PT Aisin Indonesia7. PT Astra Nippon Gasket Indonesia8. PT AT Indonesia

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9. PT DIC Astra Chemicals10. PT Federal Nittan Industries11. PT GS Battery12. PT Inti Ganda Perdana13. PT Kayaba Indonesia14. PT SKF Indonesia15. PT Toyoda Gosei Safety Systems Indonesia16. PT Akebono Brake Astra Indonesia17. PT Wahana Eka Paramitra18. PT Astra Visteon Indonesia19. Akebono Brake Astra Vietnam Co Ltd20. SUPERIOR CHAIN (HANGZHOU) Co., Ltd.21. PT EVOLUZIONE TYRES22. PT ASTRA JUOKU INDONESIA23. PT Topy Palingda Manufacturing Indonesia24. PT MetalArt Astra Indonesia25. PT Aisin Indonesia Automotive26. PT Bridgestone Astra Indonesia27. Astra Visteon Vietnam Co., Ltd. (Cong Ty TNHH Astra Visteon

Vietnam)28. PT Toyoda Gosei Indonesia29. PT Astra NTN Driveshaft Indonesia30. PT Astra Auto Finance31. PT Bank Permata Tbk32. PT Komatsu Astra Finance33. PT Toyota Astra Financial Services34. PT Astra Aviva Life35. PT Sahabat Finansial Keluarga36. PT Swadaya Harapan Nusantara37. PT Traktor Nusantara38. Cipta Coal Trading Pte Ltd39. PT Toyofuji Logistics Indonesia40. PT Trans Marga Jateng41. PT Lintas Marga Sedaya42. PT Solusi Mobilitas Bangsa43. ASTRA-KLK Pte Ltd44. PT Kreasijaya Adhikarya45. PT Toyofuji Serasi Indonesia



3. STRUKTUR KEPEMILIKAN SAHAM PADA KONGLOMERASI KEUANGAN YANG MENGGAMBARKAN PIHAK-PIHAK YANG MENJADI PEMEGANG SAHAM LJK DALAM KONGLOMERASI KEUANGAN SAMPAI DENGAN PEMEGANG SAHAM PENGENDALI TERAKHIR (ULTIMATE SHAREHOLDERS)

Entitas Utama | Lead Entity:

per tanggal 31 Desember 2019as of 31 December 2019

Lain-lainOthers

Lain-lainOthers

Lain-lainOthers

Lain-lainOthers

(kurang dari 10%)(all less than 10%)




41,77%

15,09%

84,91%

75,00%

50,11%

44,56%

25,00%

49,89%

Jardine Matheson Holdings Limited(Bermuda)

(Public Company with standard listing in London and secondary listings in

Bermuda and Singapore)

Jardine Strategic Holdings Limited(Bermuda)



Jardine Cycle & Carriage Limited(Singapore)

(Public Company listed in Singapore)

PT Astra International Tbk Masyarakat(Public)

58,23%

44,56%

100%

100%

Standard Chartered PLC

Standard Chartered Bank

Standard Chartered Holdings Limited

99,998%

PT Bank Permata Tbk

PT Sahabat Finansial Keluarga

10,88%

3. THE STRUCTURE OF SHARE OWNERSHIP IN THE FINANCIAL CONGLOMERATION THAT ILLUSTRATES THE PARTIES THAT BECOME THE SHAREHOLDERS OF THE FINANCIAL SERVICE INSTITUTIONS (FSI) WITHIN THE FINANCIAL CONGLOMERATION UP TO THE ULTIMATE SHAREHOLDERS

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LJK | FSI:

1. PT Astra Sedaya Finance

2. PT Astra Auto Finance



3. PT Swadharma Bhakti Sedaya Finance

4. PT Staco Estika Sedaya Finance

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5. PT Federal International Finance

6. PT Astra Multi Finance



7. PT Toyota Astra Financial Services

8. PT Surya Artha Nusantara Finance

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20

9. PT Komatsu Astra Finance

10. PT Asuransi Astra Buana



11. PT Astra Aviva Life

12. PT Sahabat Finansial Keluarga

99,998% 0,002%

PT Bank Permata Tbk


Dyah Adhi Astuti

PT Bank Permata Tbk


22

4. STRUKTUR KEPENGURUSAN PADA ENTITAS UTAMA DAN LJK DALAM KONGLOMERASI KEUANGAN (PER 31 DESEMBER 2019)

Entitas Utama | Lead Entity:

PT Bank Permata Tbk Dewan Komisaris | Board of Commissioners:

Sebastian Ramon Arcuri Komisaris Utama President Commissioner

Suparno Djasmin Wakil Komisaris Utama Vice President Commissioner

David Allen Worth Komisaris Independen Independent Commissioner

Haryanto Sahari Komisaris Independen Independent Commissioner

Zulkifli Zaini Komisaris Independen Independent Commissioner

Rahmat Waluyanto Komisaris Independen Independent Commissioner

Mark Spencer Greenberg Komisaris Commissioner

Ian Charles Anderson Komisaris Commissioner

Direksi | Board of Directors:

Ridha DM Wirakusumah Direktur Utama President Director

Abdy Dharma Salimin Direktur Director

Lea Setianti Kusumawijaya Direktur Director

Darwin Wibowo Direktur Director

Dhien Tjahajani Direktur Kepatuhan Compliance Director

Herwin Bustaman Direktur Unit Usaha Syariah Sharia Business Unit Director

Djumariah Tenteram Direktur Director

Dayan Sadikin*) Direktur Director

Dewan Pengawas Syariah | Sharia Supervisory Board:

H. Muhamad Faiz, MA Ketua Dewan Pengawas Syariah Chairman of Sharia Supervisory Board

Prof. Dr.H. Jaih, S.E., M.H., M.Ag. Anggota Dewan Pengawas Syariah Member of Sharia Supervisory Board*) Catatan: Bapak Dayan Sadikin diangkat sesuai keputusan RUPS Tahunan tanggal 23 April 2019. Pengangkatan Bapak Dayan Sadikin berlaku efektif 23 April 2019. Note: Mr. Dayan Sadikin appointed in accordance with resolutions of AGMS dated 23 April 2019. The appointment of Mr. Dayan Sadikin was effective on 23 April 2019.

4. THE STRUCTURE OF MANAGEMENT OF THE LEAD ENTITY AND THE FSIS WITHIN THE FINANCIAL CONGLOMERATE (AS OF 31 DESEMBER 2019)



Lembaga Jasa Keuangan | Financial Service Institutions:

PT Asuransi Astra Buana Dewan Komisaris | Board of Commissioners:

Suparno Djasmin Presiden Komisaris President Commissioner

Eduardus Paulus Supit Komisaris Independen Independent Commissioner

Juliani Eliza Syaftari Komisaris Independen Independent Commissioner

Regina Okthory Sucianto Komisaris Commissioner


Rudy Presiden Direktur President Director

Hendry Yoga Direktur Director

Liem Gunawan Santoso Salim Direktur Director

Leonard Winston Saur Siregar Direktur Director

Mulia Karma Bhakti Siregar Direktur Director

Christopher Pangestu Direktur Director

Dewan Pengawas Syariah | Shariah Supervisory Board:

Muhammad Gunawan Yasni Ketua Dewan Pengawas Syariah Chairman Shariah Supervisory Board

Syamsul Falah Anggota Dewan Pengawas Syariah Member Shariah Supervisory Board

PT Astra Auto Finance Dewan Komisaris | Board of Commissioners:

Siswadi Presiden Komisaris President Commissioner

Matilda Esther Rotinsulu Komisaris Commissioner

Yoshihiro Mori Komisaris Commissioner

Eduardus Paulus Supit Komisaris Independen Independent Commissioner


Hary Santoso Presiden Direktur President Director

Dharmawan Phie Direktur Director

Kiyoharu Endo Direktur Director

PT Astra Aviva Life Dewan Komisaris | Board of Commissioners:

Randy Lianggara Presiden Komisaris President Commissioner

Suparno Djasmin Wakil Presiden Komisaris Vice President Commissioner

Benny Redjo Setyono Komisaris Independen Independent Commissioner

Thomas Honggo Setjokusumo Komisaris Independen Independent Commissioner


Auddie Alexander Wiranata Presiden Direktur President Director

Kevin John McQuillan Wakil Presiden Direktur Vice President Director

Stephanie Arvianti Gunadi Direktur Director

Windawati Tjahjadi Direktur Director

Sri Agung Handayani Direktur Director

Cornelius Nangoi Direktur Director

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PT Astra Multi Finance Dewan Komisaris | Board of Commissioners:

Margono Tanuwijaya Presiden Komisaris President Commissioner

Susilo Sudjono Komisaris Independen Independent Commissioner

Setia Budi Komisaris Commissioner


Ardian Prasetya Presiden Direktur President Director

Lim Lizal Santoso Direktur Director

Sri Harjati Direktur Director

PT Astra Sedaya Finance Dewan Komisaris | Board of Commissioners:


Buyung Syamsudin Komisaris Independen Independent Commissioner

Djony Bunarto Tjondro Komisaris Commissioner


Siswadi Presiden Direktur President Director

Tan Chian Hok Direktur Director

Ezar Kumendong Direktur Director

Matilda Esther Rotinsulu Direktur Director

Hendry Christian W Direktur Director


Dr. KH. Ahmad Mukri Aji, M.A., M.H Ketua Chairman

Drs. H. Aminudin Yakub, M.A Anggota Member

Endy M. Astiwara Anggota Member

PT Federal International Finance Dewan Komisaris | Board of Commissioners:


Buyung Syamsudin Komisaris Independen Independent Commissioner

Johannes Loman Komisaris Commissioner


Margono Tanuwijaya Presiden Direktur President Director

Hugeng Gozali Direktur Director

R. Nunu Soetjahja Noegroho Direktur Director

Indra Gunawan Direktur Director

Antony Sastro Jopoetro Direktur Director

Setia Budi Direktur Director


Aminudin Yakub Anggota Member



PT Komatsu Astra Finance Dewan Komisaris | Board of Commissioners:

Franciscus Xaverius Laksana Kesuma Presiden Komisaris President Commissioner

Buntoro Muljono Komisaris Independen Independent Commissioner

Naoki Kojima Komisaris Commissioner


Kengo Kagawa Presiden Direktur President Director

Andreas Manik Wakil Presiden Direktur Vice President Director

Ikrimah Muhammad Sabi Direktur Director

Jembar Ganda Ermaya Direktur Director

PT Sahabat Finansial Keluarga Dewan Komisaris | Board of Commissioners:

Iwan Nataliputra Presiden Komisaris President Commissioner

Yohanes Suhardi Komisaris Commissioner

Heri Sunaryadi Komisaris Independen Independent Commissioner


Anang Mazfuad Presiden Direktur President Director

Muhammad Kurniawan Direktur Director

Aditya Cipta Harsono Direktur Director

PT Staco Estika Sedaya Finance Dewan Komisaris | Board of Commissioners:

Ezar Kumendong Presiden Komisaris President Commissioner

Silviana Halim Komisaris Commissioner


Agung Waluyo Samadi Presiden Direktur President Director

R. Bagus Dwiantho Direktur Director

PT Surya Artha Nusantara Finance Dewan Komisaris | Board of Commissioners:

Franciscus Xaverius Laksana Kesuma Presiden Komisaris President Commissioner

Arietta Adrianti Komisaris Commissioner

Masamichi Takeda Komisaris Commissioner

Buntoro Muljono Komisaris Independen Independent Commissioner

Hardi Montana Komisaris Independen Independent Commissioner


Wempy Kunto Wiambodo Presiden Direktur President Director

Handy Hartono Direktur Director

Naga Sujady Direktur Director

Gen Hoshino Direktur Director

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PT Swadharma Bhakti Sedaya Finance Dewan Komisaris | Board of Commissioners:

Hendry Christian W Presiden Komisaris President Commissioner

Hardi Montana Komisaris Independen Independent Commissioner

Tan Chian Hok Komisaris Commissioner


Silviana Halim Presiden Direktur President Director

Selly Meilania Direktur Director

Daniel Gunawan Soesilo Direktur Director

PT Toyota Astra Financial Services Dewan Komisaris | Board of Commissioners:

Hao Quoc Tien Presiden Komisaris President Commissioner

Chiew Sin Cheok Wakil Presiden Komisaris Vice President Commissioner

Wiltarsa Halim Komisaris Independen Independent Commissioner


Agus Prayitno Wirawan Presiden Direktur President Director

Tetsuo Higuchi Wakil Presiden Direktur Vice President Director

Daisuke Shimohara Direktur Director

Devy Santoso Jayadi Direktur Director

Wisnu Kusumawardhana Direktur Director



5. THE POLICY OF INTRA-GROUP TRANSACTIONS WHICH CONTAINS AT LEAST THE POLICY TO IDENTIFY, MANAGE, AND MITIGATE THE INTRA-GROUP TRANSACTIONS

5. KEBIJAKAN TRANSAKSI INTRA-GRUP YANG PALING SEDIKIT MEMUAT KEBIJAKAN UNTUK MENGIDENTIFIKASI, MENGELOLA, DAN MEMITIGASI TRANSAKSI INTRA-GRUP

Kebijakan Manajemen Risiko Terintegrasi Bank Permata menetapkan 10 jenis risiko berdasarkan peraturan Otoritas Jasa Keuangan mengenai Penerapan Manajemen Risiko Terintegrasi, dengan salah satunya adalah risiko transaksi intra-grup.

Pada Agustus 2019, Dewan Komisaris Bank Permata sebagai Entitas Utama telah menyetujui kajian tahunan atas Kebijakan Transaksi Intra-grup Konglomerasi Keuangan Astra sebagai panduan dalam pengelolaan transaksi intra-grup antar lembaga jasa keuangan yang tergabung dalam Konglomerasi Keuangan Astra. Pengelolaan dilakukan melalui proses manajemen risiko transaksi intra-grup yang terdiri dari identifikasi risiko, pengukuran/penilaian risiko, pemantauan/pelaporan risiko, serta pengendalian/mitigasi risiko.

PermataBank’s Integrated Risk Management Policy defined 10 risk type following Financial Services Authority regulation regarding Integrated Risk Management Implementation in which intra-group transaction risk is one of the risk type.

On August 2019, Board of Commissioner PermataBank as Lead Entity has approved annual review of Intra-group Transaction Policy of Astra Financial Conglomerate as guidance in governs transactions among the financial services institution within the Astra Financial Conglomerate. Governance is conducted through intra-group transaction risk management process that consist of risk identification, risk measurement/assessment, risk monitoring/reporting, risk control/mitigate.

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6. INFORMASI LAIN : KOMITE-KOMITE TERKAIT KONGLOMERASI KEUANGAN

KOMITE TATA KELOLA TERINTEGRASI

Dalam rangka penerapan Tata Kelola Terintegrasi, PermataBank sebagai Entitas Utama Konglomerasi Keuangan Grup Astra membentuk Komite Tata Kelola Terintegrasi.

Struktur dan KeanggotaanSesuai SK Direksi Bank Permata No. 02/2019, struktur dan keanggotaan adalah sebagai berikut (per 31 Desember 2019): Ketua: Zulkifli Zaini (Komisaris Independen, Bank Permata).

Anggota: - Rahmat Waluyanto (Ketua Pengganti, Komisaris Independen,

Bank Permata).- Adi Pranoto Leman (Pihak Independen).- H. Muhamad Faiz, M.A. (Dewan Pengawas Syariah, Bank Permata).- Buyung Syamsudin (Komisaris Independen, PT Astra Sedaya

Finance (ASF) dan PT Federal International Finance (FIF))- Wiltarsa Halim (Komisaris Independen, PT Toyota Astra

Financial Services (TAFS)).- Hardi Montana (Komisaris Independen, PT Surya Artha

Nusantara Finance).- Benny Redjo Setyono (Komisaris Independen, PT Astra Aviva

Life).- Buntoro Muljono (Komisaris Independen, PT Komatsu Astra

Finance)- Juliani Eliza Syaftari (Komisaris Independen, PT Asuransi

Astra Buana (AAB)).- Drs. H. Aminudin Yakub, M.A. (Dewan Pengawas Syariah,

ASF, FIF dan PT Astra Multi Finance).- H. Syamsul Falah, B.Sc, M.Ec (Dewan Pengawas Syariah,

AAB). Tugas dan Tanggung Jawab• Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling

sedikit melalui penilaian kecukupan pengendalian intern dan pelaksanaan fungsi kepatuhan secara terintegrasi.

6. OTHER INFORMATION: THE COMMITTEES RELATED TO FINANCIAL CONGLOMERATION

THE INTEGRATED GOVERNANCE COMMITTEE In accordance with the implementation of Integrated Governance, PermataBank as the Lead Entity of the Financial Conglomeration of Astra Group established the Integrated Governance Committee.

Structure and Membership In accordance with the Decision Letter of the Board of Directors of PermataBank No. 02/2019, structure and membership is as follows (per 31 December 2019):Chairman: Zulkifli Zaini (Independent Commissioner, Bank Permata).

Members: - Rahmat Waluyanto (Alternate Chairman, Independent

Commissioner, Bank Permata).- Adi Pranoto Leman (the Independent Party).- H. Muhamad Faiz, M.A. (Sharia Supervisory Board, Bank Permata).- Buyung Syamsudin (Independent Commissioner, PT Astra

Sedaya Finance (ASF) and PT Federal International Finance (FIF)).- Wiltarsa Halim (Independent Commissioner, PT Toyota Astra

Financial Services (TAFS)).- Hardi Montana (Independent Commissioner, PT Surya Artha

Nusantara Finance).- Benny Redjo Setyono (Independent Commissioner, PT Astra

Aviva Life).- Buntoro Muljono (Independent Commissioner, PT Komatsu

Astra Finance)- Juliani Eliza Syaftari (Independent Commissioner, PT Asuransi

Astra Buana (AAB)).- Drs. H. Aminudin Yakub, M.A. (Sharia Supervisory Board, ASF,

FIF and PT Astra Multi Finance).- H. Syamsul Falah, B.Sc, M.Ec (Sharia Supervisory Board,

AAB). Duties and Responsibilities• To evaluate the implementation of Integrated Governance at

least through assessment of the adequacy of internal control and the implementation of integrated compliance function.



Dalam mengevaluasi Tata Kelola Terintegrasi, Komite Tata Kelola Terintegrasi secara berkala melakukan pembahasan atas: - Laporan hasil evaluasi atas pelaksanaan audit intern

dan fungsi kepatuhan masing-masing LJK dari anggota Dewan Komisaris yang menjadi anggota Komite Tata Kelola Terintegrasi.

- Laporan Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola Terintegrasi.

- Laporan Tahunan Pelaksanaan Tata Kelola Terintegrasi.

• Memberikan rekomendasi kepada Dewan Komisaris Entitas Utama untuk penyempurnaan Pedoman Tata Kelola Terintegrasi.

Pelaksanaan Tugas dan Frekuensi RapatKomite Tata Kelola Terintegrasi telah mengadakan 3 (tiga) kali rapat untuk tahun 2019. Tingkat kehadiran anggota dalam rapat sebagai berikut:

NamaName

Jumlah RapatMeeting

KehadiranAttendance

KetidakhadiranAbsent

PersentaseAttendance Percentage

Zulkifli Zaini 3 3 0 100

Rahmat Waluyanto 3 3 0 100

Adi Pranoto Leman 3 3 0 100

H. Muhamad Faiz, M.A 3 3 0 100

Hardi Montana 3 3 0 100

Wiltarsa Halim 3 3 0 100

Buyung Syamsudin 3 2 1 67

Benny Redjo Setyono 3 2 1 67

Buntoro Muljono 3 2 1 67

Juliani Eliza Syaftari 3 3 0 100

Drs. H. Aminudin Yakub, M.A. 3 0 3 0

Muhammad Gunawan Yasni, SE.Ak, MM, CIFA, FIIS*) 2 0 2 0

H. Syamsul Falah, B.Sc, M.Ec**) 1 1 0 100

*) Bpk. Muhammad Gunawan Yasni, SE.Ak, MM, CIFA, FIIS tidak lagi menjabat sebagai anggota Komite Tata Kelola Terintegrasi sejak tanggal 31 Mei 2019. Mr. Muhammad Gunawan Yasni, SE.Ak, MM, CIFA, FIIS no longer served as member of the Integrated Governance Committee as of 31 May 2019. **) Bpk. H. Syamsul Falah, B.Sc, M.Ec menjabat sebagai anggota Komite Tata Kelola Terintegrasi sejak tanggal 31 Mei 2019. Mr. H. Syamsul Falah, B.Sc, M.Ec was appointed as member of the Integrated Governance Committee as of 31 May 2019.

In conducting the evaluation of Integrated Governance, the Integrated Governance Committee periodically discuss:- Report on the implementation of internal audit and

compliance function of each LJK from a member of the Board of Commissioners of each LJK who becomes the member of the Integrated Governance Committee.

- Self Assessment Report on the Implementation of Integrated Governance.

- Annual Report on the Implementation of Integrated Governance.

• To give recommendations to the Board of Commissioners of the Lead Entity for improving the Integrated Governance Guidelines.

Duties Implementation and Meeting Frequency Integrated Governance Committee held 3 (three) meetings in 2019, with the following record of attendance:

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Beberapa agenda penting dalam rapat Komite Tata Kelola Terintegrasi di tahun 2019 antara lain:• Pembahasan draft Laporan Penilaian Sendiri (Self

Assessment) Tata Kelola Terintegrasi, periode 31 Desember 2018 dan 30 Juni 2019.

• Pembahasan draft Laporan Tahunan Penerapan Tata Kelola Terintegrasi, untuk posisi 31 Desember 2018.

• Penyampaian evaluasi atas pelaksanaan audit intern dan fungsi kepatuhan masing-masing LJK.

• Pembahasan Terms of Reference (TOR) Komite Tata Kelola Terintegrasi.

• Pembahasan Pedoman Tata Kelola Terintegrasi.

KOMITE MANAJEMEN RISIKO TERINTEGRASI

Komite Manajemen Risiko Terintegrasi merupakan komite yang dibentuk oleh Direksi Entitas Utama untuk memastikan penerapan manajemen risiko terintegrasi yang komprehensif dan efektif dalam Konglomerasi Keuangan Astra.

Struktur dan KeanggotaanStruktur dan keanggotaan adalah sebagai berikut (per 31 Desember 2019):• Direktur Risiko, PT Bank Permata Tbk.(Ketua)• Direktur Utama, PT Bank Permata Tbk.• Direktur, PT Astra Sedaya Finance (Ketua Pengganti)• Direktur, PT Federal International Finance• Presiden Direktur, PT Toyota Astra Financial Service• Direktur, PT Komatsu Astra Finance• Direktur, PT Surya Artha Nusantara Finance • Direktur, PT Asuransi Astra Buana• Direktur, PT Astra Aviva Life• Head Operational & IRM, PT Bank Permata Tbk.• Head, Satuan Kerja Manajemen Risiko Terintegrasi (SKMRT)

Non–Bank, PT Astra International Tbk.

Tugas dan Tanggung Jawab• Memberikan rekomendasi kepada Direksi Entitas Utama dalam

rangka penyusunan Kebijakan Manajemen Risiko Terintegrasi.• Memberikan rekomendasi kepada Direksi Entitas Utama

dalam rangka perbaikan atau penyempurnaan Kebijakan Manajemen Risiko Terintegrasi berdasarkan hasil evaluasi pelaksanaan.

Several important agenda items discussed in the Integrated Governance Committee meetings in 2019 were: • Discussion on the draft of Self Assessment Report on the

Implementation of Integrated Good Corporate Governance, as of 31 December 2018 and 30 June 2019.

• Discussion on the draft of the Annual Report on the Implementation of Integrated Good Corporate Governance, as of 31 December 2018.

• Discussion on the evaluation on the implementation of internal audit and compliance function of each LJK.

• Discussion on Terms of Reference (TOR) of Integrated Governance Committee

• Discussion on the Integrated Governance Charter.

THE INTEGRATED RISK MANAGEMENT COMMITTEE The Integrated Risk Management Committee is the committee which is formed by Lead Entity Board of Directors in order to ensure the comprehensive and effective integrated risk management implementation in Astra Financial Conglomerate.

Structure and MembershipStructure and membership of IRMC, as follows:

• Risk Director, PT Bank Permata Tbk.(Chairman)• President Director, PT Bank Permata Tbk. • Director, PT Astra Sedaya Finance (Alternate Chairman)• Director, PT Federal International Finance • President Director, PT Toyota Astra Financial Service • Director, PT Komatsu Astra Finance • Director, PT Surya Artha Nusantara Finance • Director, PT Asuransi Astra Buana • Director, PT Astra Aviva Life • Head Operational & IRM, PT Bank Permata Tbk.• Head of Non Bank – IRM Unit, PT Astra International Tbk.

Duties and Responsibilities• Provide recommendation to Lead Entity Board of Directors in

formulates the Integrated Risk Management Policy;• Provide recommendation to Lead Entity Board of Directors to

improve or refine Integrated Risk Management Policy based on the evaluation result of implementation.



Pelaksanaan Tugas dan Frekuensi RapatSepanjang tahun 2019, Komite Manajemen Risiko Terintegrasi telah mengadakan 2 (dua) kali rapat dan tingkat kehadiran anggota dalam rapat tersebut sebagai berikut:

NamaName

Jumlah RapatMeeting

KehadiranAttendance

KetidakhadiranAbsent

PersentaseAttendance Percentage

Direktur Risiko, PT Bank Permata Tbk. 2 2 0 100

Direktur Utama, PT Bank Permata Tbk. 2 0 2 0

Direktur PT Astra Sedaya Finance 2 2 0 100

Direktur PT Federal International Finance 2 2 0 100

Presiden Direktur PT Toyota Astra Financial Service 2 1 1 50

Direktur PT Komatsu Astra Finance 2 0 2 0

Direktur PT Surya Artha Nusantara Finance 2 1 1 50

Direktur PT Asuransi Astra Buana 2 1 1 50

Direktur PT Astra Aviva Life 2 2 0 100

Head, Operational & IRM, PT Bank Permata Tbk. 2 2 0 100

Head SKMRT Non Bank, PT Astra International 2 1 1 50

Beberapa agenda penting dalam rapat Komite Manajemen Risiko Terintegrasi antara lain:• Kajian tahunan Kebijakan dan Prosedur Manajemen Risiko

Terintegrasi• Kajian tahunan Kebijakan Transaksi Intra-grup• Kajian tahunan Kebijakan dan Prosedur Pengelolaan

Permodalan Terintegrasi • Kajian tahunan Prosedur Limit Risiko – Konglomerasi

Keuangan Astra• Laporan Profil Risiko Terintegrasi Konglomerasi Keuangan

Astra• Laporan Kecukupan Permodalan Terintegrasi Konglomerasi

Keuangan Astra• Laporan Kepatuhan Limit Risiko Konglomerasi Keuangan

Astra• Laporan Penerapan Manajemen Risiko Terintegrasi

Konglomerasi Keuangan Astra

Duties Implementation and Meeting FrequencyDuring 2019, The Integrated Risk Management Committee held 2 (two) meetings, with the following record of attendance:

Several important agenda items discussed in the IRMC meeting were: • Annual review on Integrated Risk Management Policy and

Procedure• Annual review on Intra-group Transaction Policy• Annual review of Integrated Capital Management Policy and

Procedure• Annual review on Risk Limit - Astra Financial Conglomerate

Procedure• Integrated Risk Profile Report of Astra Financial Conglomerate

• Integrated Minimum Capital Adequacy Report of Astra Financial Conglomerate

• Risk Limit Compliance Report of Astra Financial Conglomerate

• Integrated Risk Management Implementation Report of Astra Financial Conglomerate

Ikhtisar Utama Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen

PT Bank Permata Tbk

Laporan Tahunan 2019 Annual Report

32

Tata Kelola PerusahaanCorporate Governance#Disclosure

Prinsip-Prinsip Pelaksanaan Tata Kelola PerusahaanPrinciples of Corporate Governance Implementation

449

Tujuan Penerapan Tata Kelola PerusahaanPurpose of Implementation of Corporate Governance

450

Peningkatan Penerapan Tata Kelola PerusahaanImproving the Implementation of Corporate Governance

450

Struktur dan Hubungan Tata Kelola PerusahaanStructure and Relationship of Corporate Governance

451

Evaluasi GCG oleh Pihak EksternalEvaluation of GCG by External Party

451

Penilaian Penerapan Good Corporate GovernanceAssessment of the Implementation of Good Corporate Governance

452

Rapat Umum Pemegang SahamGeneral Meeting of Shareholders

458

Data Pemegang Saham Utama dan Pengendali, Langsung Maupun Tidak Langsung hingga Pemilik IndividuMain and Controlling Shareholders, Direct and Indirect to Individual Owners

482

Dewan KomisarisBoard of Commissioners

483

Persyaratan dan Kriteria Komisaris IndependenIndependent Commissioners Requirements

491

Direksi | Board of Directors 492

Keberagaman Komposisi Dewan Komisaris dan DireksiDiversity in the Composition of the Board of Commissioners and the Board of Directors

501

Pelaksanaan Rapat Dewan Komisaris dan Rapat DireksiThe Board of Commissioners and the Board of Directors Meeting Implementation

504

Hubungan Afiliasi | Affiliated Relationship 518Komite Audit | Audit Committee 520Komite Remunerasi & NominasiRemuneration & Nomination Committee

534

Komite Pemantau Risiko (RMOC)Risk Monitoring Committee (RMOC)

542

Komite Tata Kelola TerintegrasiIntegrated Governance Committee

549

Komite-komite di Bawah DireksiCommittees of the Board of Directors

549

Tata Kelola RemunerasiRemuneration Governance

563

Sekretaris PerusahaanCorporate Secretary

573

Fungsi Kepatuhan | Compliance Function 577Fraud Risk Management (FRM)Fraud Risk Management (FRM)

584

Internal Fraud | Internal Fraud 589

33Main Highlights

Management ReportsCompany Profile

Management Discussion and AnalysisRisk Management

Operational ReviewCorporate Governance

Corporate Social ResponsibilityFinancial Statements 2019

Manajemen Risiko Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan 2019

PT Bank Permata Tbk


#Disclosure

Tata Kelola PerusahaanGood Corporate Governance

Transaksi yang Mengandung Benturan KepentinganConflicts of Interests Transactions

589

Transaksi Afiliasi Sesuai Peraturan Bapepam-LK No. IX.E.1Affiliated Party Transaction in Accordance with Bapepam-LK Regulation No. IX.E.1

590

Pemberian Dana untuk Kegiatan Sosial dan PolitikFund Provision for Social and Political Activities

590

Transparansi Kondisi Keuangan dan Non Keuangan BankTransparency on Bank’s Financial and Non-Financial Condition

590

Pembelian Kembali Saham atau Obligasi SubordinasiBuyback of Share or Subordinated Bonds

603

Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana dalam Jumlah BesarProvision of Funds to Related Parties and Large Exposures

603

Audit EksternalExternal Audit

603

Satuan Kerja Audit Internal (SKAI)Internal Audit

604

Sistem Pengendalian InternalInternal Control System

616

Hukum | Legal 622Permasalahan Hukum | Legal Cases 625Sanksi Administratif | Administrative Sanctions 627

Akses Informasi dan Data PerusahaanInformation Access and Corporate Data

627

Kode Etik | Code of Conduct 632Budaya Perusahaan | Corporate Culture 636Program Kepemilikan Saham oleh Karyawan dan/atau ManajemenEmployees and/or Management Shares Option Program

637

Pedoman Tata Kelola Perusahaan TerbukaCorporate Governance Guidelines for Public Companies

638

Rencana Strategis 2020Strategic Plans 2020

641

Tata Kelola Pengadaan Barang dan JasaGoods and Services Procurement Governance

642

Manajemen Risiko | Risk Management 643Sistem Pelaporan Pelanggaran | Whistle Blowing System 644Kebijakan Anti Korupsi | Anti Corruption Policy 645Publikasi Penanganan PengaduanPublication on Complaints Handling

645

Laporan Pelaksanaan Good Corporate Governance Unit Usaha Syariah PT Bank Permata Tbk Periode Tahun 2019Good Corporate Government Implementation Report Shariah Business Unit of PT Bank Permata Tbk – Period 2019

646


Tata Kelola PerusahaanCorporate Governance

Melalui penerapan prinsip-prinsip Tata Kelola Perusahaan yang Baik secara konsisten, PermataBank berupaya untuk senantiasa menciptakan nilai bermakna bagi seluruh pemangku kepentingan.

Pada tahun 2019, PermataBank dinobatkan sebagai Juara Ketiga untuk kategori Lembaga Keuangan Swasta Tercatat (Private Keuangan Listed) dalam ajang Annual Report Award2018. Pencapaian tersebut merupakan bukti komitmen PermataBank untuk terus meningkatkan praktik tata kelola yang baik, terutama terkait dengan prinsip transparansi dan akuntabilitas.

With consistent implementation of Good Corporate Governance principles, PermataBank will continue to create value for all stakeholders.

In 2019, PermataBank was named the Third Winner in the category of Private Financial Company Listed in the 2018 Annual Report Award. This achievement showed PermataBank’s commitment to continue to improve good governance practices, particularly related to the principles of transparency and accountability.


PT Bank Permata Tbk34

35Main Highlights






PT Bank Permata Tbk


Dewan Komisaris, Direksi dan seluruh karyawan berkomitmen untuk mengimplementaasikan sebuah organisasi yang transparan, akuntabel, bertanggung jawab, independen dan kewajaran, demi mewujudkan PermataBank menjadi Bank pilihan.

PRINSIP-PRINSIP PELAKSANAAN TATA KELOLA PERUSAHAANPenerapan tata kelola perusahaan yang baik (Good Corporate Governance/GCG) di PermataBank mengacu pada lima prinsip: transparansi (transparency), akuntabilitas (accountability), pertanggungjawaban (responsibility), independensi (independence), dan kewajaran (fairness).

Seluruh kebijakan dan prosedur terkait GCG disusun berdasarkan peraturan dan ketentuan yang berlaku. Acuan yang digunakan, antara lain Undang-Undang No. 40 Tahun 2007 tentang Perseroan Terbatas serta Peraturan Otoritas Jasa Keuangan (OJK) No. 55/POJK.03/2016 tanggal 7 Desember 2016 perihal Penerapan Tata Kelola Bagi Bank Umum.

The Boards of Commissioners and Board of Directors, along with all employees, are committed to performing a transparent, accountable, responsible, independent and fairness organization to ensure PermataBank’s position to be the Bank of choice.

PRINCIPLES OF CORPORATE GOVERNANCE IMPLEMENTATIONGood Corporate Governance implementation at PermataBank refers to the five principles of GCG, namely transparency, accountability, responsibility, independence and fairness.

Policies and procedures related to GCG within PermataBank are prepared based on the applicable rules and regulations, including Law No. 40 of 2007 concerning Limited Liability Companies and Otoritas Jasa Keuangan (OJK) Regulation No. 55/POJK.03/2016 dated 7 December 2016 concerning Implementation of Governance for Commercial Banks.


PT Bank Permata Tbk


36


TUJUAN PENERAPAN TATA KELOLA PERUSAHAANPenerapan GCG di lingkungan PermataBank mempunyai tujuan sebagai berikut:1. Memaksimalkan nilai-nilai PermataBank dengan menerapkan

lima prinsip GCG.2. Mewujudkan pengelolaan PermataBank yang profesional dan

independen.3. Menciptakan proses pengambilan keputusan yang

berlandaskan pada nilai moral yang tinggi dan sesuai dengan peraturan perundang-undangan yang berlaku di semua elemen perusahaan.

4. Melaksanakan tanggung jawab sosial perusahaan terhadap pemangku kepentingan terkait.

5. Berkontribusi dalam meningkatkan iklim investasi yang kondusif di Indonesia khususnya di sektor keuangan dan perbankan.

PENINGKATAN PENERAPAN TATA KELOLA PERUSAHAAN

Selama tahun 2019, PermataBank telah melakukan penerapan tata kelola perusahaan yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip tata kelola yang mengacu pada peraturan yang berlaku dan best practices. Hal tersebut juga diakui dengan perolehan penghargaan terkait tata kelola perusahaan dari berbagai institusi berwenang.

Selain itu, PermataBank juga selalu melakukan evaluasi dan upaya-upaya yang diperlukan untuk meningkatkan kualitas penerapan GCG, di antaranya melalui:1. PermataBank berupaya meningkatkan keterbukaan informasi,

yang mengacu pada best practices, seperti ASEAN CG Scorecard.

2. Fokus pada penerapan budaya risiko. 3. Penerapan fungsi kontrol internal di seluruh level: first, second

maupun third line of defense.4. PermataBank telah menyusun Rencana Aksi Keuangan

Berkelanjutan (RAKB) dengan pemilihan prioritas pengembangan produk dan/atau jasa keuangan berkelanjutan.

PURPOSE OF IMPLEMENTATION OF CORPORATE GOVERNANCEGCG implementation within PermataBank has the following objectives:1. Maximizing PermataBank’s values by applying the five

principles of GCG. 2. Realizing the professional and independent management of

PermataBank. 3. Creating a decision-making process that is based on high

moral values and in accordance with the laws and regulations that apply to all elements of the company.

4. Carry out corporate social responsibility for relevant stakeholders.

5. Contributing to improving the conducive investment climate in Indonesia, especially in the financial and banking sectors.

IMPROVING THE IMPLEMENTATION OF CORPORATE GOVERNANCE During 2019, PermataBank has implemented GCG principle, which in general considered as good. This is reflected in adequate fulfillment of GCG principles that refer to prevailing regulations and best practices. This was also recognized by awards related to GCG from various authorized institutions.

In addition, PermataBank always carries out evaluation and refinements needed to improve the quality of implementing GCG, including: 1. PermataBank improved disclosure information, which refers to

best practices, such as the ASEAN CG Scorecard.

2. Continue to focus on implementing a risk culture.3. Implementing internal control functions at all levels: first,

second and third line of defense.4. PermataBank has compiled a Sustainable Financial Action

Plan (RAKB) by choosing to prioritize the development of sustainable financial products and/or services.

37Main Highlights






PT Bank Permata Tbk


STRUCTURE AND RELATIONSHIP OF CORPORATE GOVERNANCE In general, PermataBank’s GCG structure consists of the following components:• General Meeting of Shareholders (GMS)• Board of Commissioners • Board of Directors• Audit Committee• Risk Monitoring Committee• Remuneration and Nomination Committee• Integrated Governance Committee• Internal Audit Work Unit• Committees under the functions of the Board of Directors

The structure and relationship of the corporate governance scheme of PermataBank are illustrated in the diagram below:

EVALUATION OF GCG BY EXTERNAL PARTY In November 2019, PermataBank was awarded the third place in the category of Listed Private Financial Institution in the 2018 Annual Report Award. The accolade was based on an evaluation of the Annual Reports published by companies in Indonesia, and was organized by the Ministry of Finance, Financial Services Authority, Bank Indonesia, Ministry of BUMN, Directorate General of Tax, Indonesia Stock Exchange, National Committee on Governance Policy (KNKG) and Indonesian Accountants Association (IAI).

STRUKTUR DAN HUBUNGAN TATA KELOLA PERUSAHAAN

Secara umum, struktur pelaksanaan GCG PermataBank terdiri atas komponen-komponen sebagai berikut:• Rapat Umum Pemegang Saham (RUPS)• Dewan Komisaris• Direksi• Komite Audit• Komite Pemantau Risiko• Komite Remunerasi dan Nominasi• Komite Tata Kelola Terintegrasi• Satuan Kerja Audit Intern (SKAI)• Komite-komite yang berada di bawah fungsi Direksi

Struktur dan hubungan skema tata kelola perusahaan PermataBank digambarkan dalam diagram di bawah ini:

Rapat Umum Pemegang Saham | General Meeting of Shareholders

Dewan KomisarisBoard of Commissioners (BOC)

Komite Pemantau Risiko

Risk Monitoring Committee

Komite Remunerasi &

NominasiRemuneration & Nomination

Committee

Komite Tata Kelola Terintegrasi

Integrated Governance Committee

Komite AuditAudit Committee

SKAIInternal Audit

Komite di bawah Direksi

Committees Under BOD

DireksiBoard of Directors (BOD)

EVALUASI GCG OLEH PIHAK EKSTERNALPada November 2019, PermataBank dinobatkan sebagai Juara Ketiga untuk kategori Lembaga Keuangan Swasta Tercatat (Private Keuangan Listed) dalam ajang Annual Report Award 2018. Penghargaan tersebut diberikan berdasarkan penilaian atas Annual Report yang diterbitkan oleh perusahaan-perusahaan di Indonesia, yang diselenggarakan oleh Kementerian Keuangan, Otoritas Jasa Keuangan, Bank Indonesia, Kementerian BUMN, Direktorat Jenderal Pajak, Bursa Efek Indonesia, Komite Nasional Kebijakan Govenance (KNKG) dan Ikatan Akuntan Indonesia (IAI).


PT Bank Permata Tbk


38


Pencapaian tersebut merupakan bukti komitmen PermataBank untuk terus meningkatkan praktik tata kelola yang baik, terutama terkait dengan prinsip transparansi dan akuntabilitas bagi seluruh pemangku kepentingan PermataBank.

Selain itu, pada Oktober 2019, dalam acara The 11th IICD Corporate Governance Conference and Award, PermataBank memperoleh pengakuan berkaitan dengan penerapan prinsip-prinsip tata kelola, yaitu sebagai Top 50 Emiten Big Capitalization, berkaitan dengan penilaian tata kelola yang telah dipraktekkan di tahun 2018.

PENILAIAN PENERAPAN GOOD CORPORATE GOVERNANCE

Laporan Penilaian Sendiri (Self Assessment) Pelaksanaan Tata Kelola (GCG)

Nama Bank : PT Bank Permata Tbk. (Konsolidasi)Posisi : 31 Desember 2019

Hasil Penilaian Sendiri (Self Assessment) Pelaksanaan Tata KelolaSelf Assessment Result GCG Implementation

Peringkat | Rating Definisi Peringkat | Definition

IndividualIndividual

2*

*) Mengacu kepada Analisis Laporan Penilaian Sendiri Pelaksanaan Tata Kelola Bank Permata

Refers to the Analysis of Self Assessment Result GCG Implementation Bank Permata

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.Showing that the Bank’s management has conducted the implementation of good corporate governance which generally good. This is reflected in adequate fulfillment of the principles of good corporate governance. If there any weakness in the principles of good corporate governance, the weakness is less significant and can be solved through normal action by the Bank’s management.

KonsolidasiConsolidated

2 Mencerminkan manajemen Bank (dan anak perusahaan) 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 (dan anak perusahaan).Showing that the Bank’s (including its subsidiary) management has conducted the implementation of good corporate governance which generally good. This is reflected in adequate fulfillment of the principles of good corporate governance. If there any weakness in the principles of good corporate governance, the weakness is less significant and can be solved through normal action by the Bank’s (including its subsidiary) management.

Analisis | Analysis

Peringkat untuk masing-masing faktor: | Rating for each factor:

No. FaktorFactor

PeringkatRating

1 Pelaksanaan Tugas dan Tanggung Jawab Direksi | Performance of Duties and Responsibilities by the Board of Directors 2

2 Pelaksanaan Tugas dan Tanggung Jawab Dewan KomisarisPerformance of Duties and Responsibilities by the Board of Commissioners

1

3 Kelengkapan dan Pelaksanaan Tugas Komite | Adequacy and Performance of Duties by the Committees 2

4 Penanganan Benturan Kepentingan | Management of Transactions with Conflict of Interest 1

Such achievement highlights PermataBank’s commitment to continually improve its good governance practices, particularly those related to the principles of transparency and accountability.

In addition, in October 2019, during the 11th IICD Corporate Governance Conference and Award, PermataBank received recognition related to the implementation of GCG principles, ie. Top 50 Big Capitalization Issuers, related to the assessment on governance that was practiced in 2018.

ASSESSMENT OF THE IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE

Self Assessment Report Implementation of Good Corporate Governance

Bank’s name : PT Bank Permata Tbk. (Consolidation)Period (as of) : 31 December 2019

39Main Highlights






PT Bank Permata Tbk


No. FaktorFactor

PeringkatRating

5 Penerapan Fungsi Kepatuhan Bank | Implementation of Bank’s Compliance Function 2

6 Penerapan Fungsi Audit Intern | Implementation of Internal Audit Function 2

7 Penerapan Fungsi Audit Ekstern | Implementation of External Audit Function 1

8 Penerapan Fungsi Manajemen Risiko Termasuk Sistem Pengendalian InternImplementation of Risk Management and Internal Control Functions

2

9 Penyediaan Dana kepada Pihak Terkait (Related Party) dan Penyediaan Dana Besar (Large Exposures)Provision of Funds to Related Party and Large Exposures

2

10 Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan Pelaksanaan Tata Kelola dan Pelaporan InternalTransparency of Financial and Non-financial Condition of the Bank, Implementation of GCG Report and Internal Report

2

11 Rencana Strategis Bank | Bank’s Strategic Plan 2

Kekuatan pelaksanaan Tata Kelola:I. Governance Structure:

1. Pelaksanaan Tugas dan Tanggung Jawab Direksi: a) Persyaratan-persyaratan dari regulator (OJK) berkaitan dengan

keanggotaan Direksi telah dipenuhi oleh anggota Direksi Bank Permata. b) Seluruh anggota Direksi Bank Permata memiliki integritas dan kompetensi

di bidang masing-masing.c) Per tanggal 31 Desember 2019, seluruh anggota Direksi telah efektif

(telah lulus Penilaian Kemampuan dan Kepatutan). Sehubungan dengan pengunduran diri Bapak Loh Tee Boon pada semester 1 tahun 2019, pada saat ini Ibu Lea Kusumawijaya (Direktur Keuangan) juga menjabat sebagai Interim Direktur Risiko.

d) Jumlah anggota Direksi anak perusahaan adalah 3 (tiga) orang dan telah lulus fit and proper test dari OJK.

2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris:a) Persyaratan-persyaratan dari regulator (OJK) berkaitan dengan

keanggotaan Dewan Komisaris telah dipenuhi oleh anggota Dewan Komisaris Bank Permata.

b) Jumlah, komposisi, integritas dan kompetensi anggota Dewan Komisaris Bank Permata telah memenuhi ketentuan yang berlaku.

c) Pelaksanaan tugas dan tanggung jawab Dewan Komisaris telah memenuhi prinsip-prinsip GCG, termasuk dalam setiap pengambilan keputusan, seluruh anggota Dewan Komisaris mampu bertindak secara independen.

d) Jumlah anggota Dewan Komisaris anak perusahaan adalah 3 (tiga) orang, di mana salah satu anggota Dewan Komisaris adalah Komisaris Independen.

3. Kelengkapan dan Pelaksanaan Tugas Komite: Komposisi dan kompetensi anggota Komite-komite sudah sesuai dibandingkan dengan ukuran dan kompleksitas usaha Bank Permata dan anak perusahaan, serta telah sesuai dengan peraturan dari Regulator (OJK).

4. Penanganan Benturan Kepentingan: a) Bank Permata memiliki kebijakan, sistem dan prosedur penyelesaian

benturan kepentingan yang lengkap, sebagaimana tercantum untuk anggota Dewan Komisaris dan Direksi diatur di dalam Kode Etik Untuk Dewan Komisaris, Direksi dan Pendukung Organ serta untuk karyawan diatur dalam kode etik (code of conduct) dan Kebijakan Benturan Kepentingan.

b) Anak perusahaan memiliki kebijakan dan prosedur penyelesaian mengenai benturan kepentingan.

5. Penerapan Fungsi Kepatuhan Bank: a) Satuan Kerja Kepatuhan Bank Permata telah independen terhadap

satuan kerja operasional.b) Pengangkatan, pemberhentian dan/atau pengunduran diri Direktur

Kepatuhan Bank Permata telah sesuai dengan ketentuan BI/OJK.c) Bank Permata telah menyediakan sumber daya manusia yang berkualitas

dan memadai pada Satuan Kerja Kepatuhan untuk menyelesaikan tugas secara efektif.

d) Pada anak perusahaan, struktur organisasi Satuan Kerja Kepatuhan terpisah dari kegiatan operasional perusahaan dan telah sesuai dengan ketentuan yang berlaku saat ini (POJK No.30/POJK.05/2014, tertanggal 19 November 2014).

6. Penerapan Fungsi Audit Intern:a) Struktur organisasi SKAI telah sesuai dengan ketentuan yang berlaku dan

independen terhadap satuan kerja operasional.b) SKAI telah selaras dengan POJK No. 1/POJK.03/2019 tentang Penerapan

Fungsi Audit Intern pada Bank Umum dan Standard Profesional Audit Intern, yaitu dilengkapi dengan Piagam Audit Intern, organisasi SKAI dan Kebijakan & Panduan Internal.

GCG implementation strength:I. Governance Structure:

1. Performance of Duties and Responsibilities by the Board of Directors:a) The requirements imposed by the regulators (OJK) related to the

membership of the Board of Directors have been fulfilled by all members of the Board of Directors of Bank Permata.

b) All members of the Board of Directors of Bank Permata have integrity and competency in their respective field.

c) As of 31 December 2019, all members of the Board of Directors are effective (passed the Fit & Proper Test). With regard to the resignation of Mr. Loh Tee Boon during first semester 2019, currently Mrs. Lea Kusumawijaya (Finance Director) also acts as Interim Risk Director.

d) The Board of Directors of Bank Permata’s subsidiary are 3 (three) persons and have passed the fit and proper test from OJK.

2. Performance of Duties and Responsibilities by the Board of Commissioners:a) The requirements imposed by the regulators (OJK) related to the

membership of the Board of Commissioners have been fulfilled by all members of the Board of Commissioners of Bank Permata.

b) Number, composition, integrity and competency of members of the Board of Commissioners of Bank Permata have complied with the prevailing regulations.

c) Performance of duties and responsibilities by the Board of Commissioners has complied with the GCG principles, including in every decision making, all members of the Board of Commissioners are capable of acting independently.

d) The Board of Commissioners of Bank Permata’s subsidiary are consists of 3 (three) persons, whereas one member of the Board of Commissioners is Independent Commissioner

3. Adequacy and Performance of Duties by the Committees: The composition and competency of members of the Committees are proper

in comparison to the size and complexity of business of Bank Permata and its subsidiary, and in compliance with the regulations of the Regulator (OJK).

4. Management of Transactions with Conflict of Interest:a) Bank Permata has policy, system and procedure for solving the conflict of

interest, for the Board of Commissioners and the Board of Directors are provided in the Code of Ethic for the Board of Commissioners, the Board of Directors and Supporting Organ and for the employees in the Code of Conduct for Employees and Conflict of Interest Policy.

b) Bank Permata’s subsidiary has policy and procedure for solving the conflict of interest.

5. Implementation of Bank’s Compliance Function:a) The Compliance working unit of Bank Permata has been independent

from the operational working unit. b) The appointment, dismissal and/or resignation of Director in charge in

the Compliance Function of Bank Permata are in compliance with the regulations of BI/OJK.

c) Bank Permata has provided qualified and adequate human resources in the Compliance working unit to complete its tasks effectively.

d) For Bank Permata’s subsidiary, organization structure of Compliance is separated from operation of the company and in accordance with the prevailing regulation (POJK No.30/POJK.05/2014, dated 19 November 2014).

6. Implementation of Internal Audit Function:a) The organizational structure of SKAI is in accordance with the regulation

and independent from operational working unit.b) SKAI has aligned with POJK No. 1/POJK.03/2019 concerning to

Application of Internal Audit Function at Commercial Banks and Profesional Standard of Internal Audit, i.e. supplemented by Internal Audit Charter, SKAI organization and SKAI Policies & Guidelines.


PT Bank Permata Tbk


40


c) SKAI telah didukung dengan sumber daya yang berkualitas.d) Pada anak perusahaan, struktur organisasi SKAI terpisah dari kegiatan

operasional anak perusahaan dan telah sesuai dengan ketentuan yang berlaku dan berfungsi sesuai Standar Pelaksanaan Fungsi Audit Internal Perusahaan (SPFAIB).

7. Penerapan Fungsi Audit Ekstern:Seluruh aspek-aspek yang dipersyaratkan dalam rangka penugasan audit kepada Akuntan Publik dan KAP telah dipenuhi oleh Bank Permata dan anak perusahaan.

8. Penerapan Fungsi Manajemen Risiko dan Pengendalian Intern:a) Bank Permata memiliki struktur dan infrastruktur tata kelola risiko yang

memadai untuk mendukung pelaksanaan Good Corporate Governance sesuai dengan harapan stakeholder.

b) Anak perusahaan telah memiliki struktur organisasi yang mencakup Manajemen Risiko dan telah mendefinisikan setiap jenis risiko berdasarkan Kerangka Kerja Manajemen Risiko (RMF) dan prinsip-prinsip utama dalam implementasi Manajemen Risiko.

9. Penyediaan Dana kepada Pihak Terkait (Related Party) dan Penyediaan Dana Besar (Large Exposures):

Kebijakan, sistem dan prosedur tertulis untuk penyediaan dana kepada pihak terkait (related party) dan penyediaan dana besar (large exposures) telah memadai.

10. Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan pelaksanaan GCG dan laporan Internal: a) Teknologi Informasi (TI) di Bank Permata dikembangkan secara terus

menerus, termasuk sistem informasi manajemen sehingga mampu menyediakan data dan informasi dengan tepat waktu, akurat, lengkap dan andal serta efektif untuk pengambilan keputusan manajemen.

b) Laporan tata kelola anak perusahaan disusun untuk disampaikan kepada Otoritas Jasa Keuangan dan Bank Permata sebagai Pemegang Saham Perusahaan.

11. Rencana Strategis Bank:a) Rencana strategis baik dalam bentuk Rencana Korporasi dan Rencana

Bisnis maupun revisinya telah sesuai dengan visi dan misi Bank Permata.b) Rencana strategis Bank Permata didukung permodalan yang cukup dan

sepenuhnya oleh para pemegang saham pengendali.c) Rencana strategis anak perusahaan didukung sepenuhnya oleh Bank Permata.

II. Governance Process:1. Pelaksanaan Tugas dan Tanggung Jawab Direksi: Pelaksanaan tugas dan tanggung jawab Direksi Bank Permata dan anak

perusahaan telah memenuhi prinsip-prinsip GCG, dan telah berjalan efektif, serta seluruh Direksi mampu bertindak dan mengambil keputusan secara independen.

2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris:a) Dewan Komisaris Bank Permata dan anak perusahaan telah

melaksanakan tugas dan tanggung jawabnya secara independen yang senantiasa berpedoman pada prinsip-prinsip GCG. Tugas pengawasan dan pemberian nasihat dilakukan oleh Dewan Komisaris semata-mata untuk kepentingan Bank Permata.

b) Rapat Dewan Komisaris Bank Permata dan anak perusahaan juga telah diselenggarakan dengan efektif dan efisien secara reguler serta memenuhi ketentuan yang berlaku.

3. Kelengkapan dan Pelaksanaan Tugas Komite:a) Pelaksanaan rapat Komite-komite telah sesuai dengan pedoman internal

Bank Permata dan telah terlaksana secara efektif dan efisien. b) Komite-komite telah berjalan efektif untuk membantu pelaksanaan tugas

dan tanggung jawab Dewan Komisaris dan Direksi.

c) Peningkatan proses yang signifikan dari Kredit Komite Bank Permata, di mana Dewan Komisaris memberikan konsultasi terkait dengan proposal kredit (untuk jumlah tertentu).

d) Komite-komite yang dimiliki oleh anak perusahaan (Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi) telah melaksanakan tugasnya.

4. Penanganan Benturan Kepentingan: a) Tidak ada transaksi yang mengandung benturan kepentingan yang dapat

merugikan atau mengurangi keuntungan Bank Permata.b) Pada anak perusahaan, tidak terdapat benturan kepentingan antara

Perusahaan dengan Pengurus maupun Karyawan yang dapat atau berpotensi merugikan perusahaan.

5. Penerapan Fungsi Kepatuhan Bank: a) Direktur Kepatuhan Bank Permata telah menjalankan tugas dan tanggung

jawabnya dengan baik, sesuai dengan ketentuan BI/OJK yang berlaku.

b) Direksi Bank Permata telah menjalankan tanggung jawabnya dalam menciptakan dan membangun budaya kepatuhan di Bank Permata.

c) Satuan Kerja Kepatuhan Bank Permata telah menjalankan tugas dan tanggung jawabnya dengan baik sesuai dengan ketentuan BI/OJK yang berlaku.

d) Efektivitas proses pelaksanaan prinsip GCG untuk kondisi anak perusahaan saat ini secara umum sudah cukup baik.

c) SKAI has been supported by qualified resources.d) Organization structure of SKAI in Bank Permata’s subsidiary is separated

from its operation activities and already in accordance with the prevailing regulations and its functions based on SPFAIB.

7. Implementation of External Audit Function: All aspects required for the audit assignment to the Public Accountant and

KAP have been fulfilled by Bank Permata and its subsidiary.8. Implementation of Risk Management and Internal Control Functions:

a) Bank Permata has adequate governance structure and infrastructure to support the implementation of Good Corporate Governance in meeting the stakeholder’s expectation.

b) The Subsidiary has an organizational structure that includes Risk Management and has defined each type of risk under the Risk Management Framework (RMF) and key principles in the implementation of Risk Management.

9. Provision of Funds to Related Party and Large Exposures:

Policies, system and procedure for provision of funds to related parties and large exposures has been sufficient to comply with the prevailing regulation.

10. Transparency of Financial and Non-financial Condition of the Bank, Implementation of GCG Report and Internal Report:a) The Information Technology (IT) in Bank Permata has been constantly

developed, including the management information system, so that it can provide punctual, accurate, complete and reliable data and information effectively for decision making by the management.

b) GCG report from Bank Permata’s subsidiary has been prepared to be delivered to Bank Permata as shareholder.

11. Bank’s Strategic Plan:a) The strategic plan both in the form of Corporate Plan and Business Plan

and its revisions are aligned with the vision and mission of Bank Permata.b) Bank Permata’s strategic plan is supported by adequate capital and fully

supported by the Bank’s controlling shareholders.c) The strategic plan of subsidiary is fully supported by Bank Permata.

II. Governance Process:1. Performance of Duties and Responsibilities by the Board of Directors: Performance of duties and responsibilities of the Board of Directors of Bank

Permata and its subsidiary have complied with the GCG principles, and has been done effectively, and all members of the Board of Directors are capable of acting and making decision independently.

2. Performance of Duties and Responsibilities by the Board of Commissioners:a) The Board of Commissioners has performed its duties and responsibilities

independently, which always refers to the GCG principles. Supervisory function and advice given by the Board of Commissioners are solely for the interest of Bank Permata.

b) Meetings of the Board of Commissioners have been held effectively and efficiently on a regular basis and complied with the prevailing regulations.

3. Adequacy and Performance of Duties by the Committees:a) Meetings of the Committees are in compliance with the internal guidelines

of Bank Permata and were held effectively and efficiently. b) The Committees of Bank Permata and its subsidiary have been done

effectively to support the performance of duties and responsibilities of the Board of Commissioners and the Board of Directors.

c) Significant improvement process on the Credit Committee, whereas the Board of Commissioners provide consultancy on the credit proposal (in certain amount).

d) The Committees of Bank Permata’s subsidiary (Audit Committee, Risk Monitoring Committee, and Remuneration Committee) have done its duties.

4. Management of Transactions with Conflict of Interest:a) There is no transaction containing conflict of interest that is detrimental to

the Bank or reduces Bank Permata’s profits.b) For Bank Permata’s subsidiary, there is no conflict of interest between

the Company and the management nor the employees, which may incur losses to the company.

5. Implementation of Bank’s Compliance Function:a) The Compliance Director of Bank Permata has properly performed her

duties and responsibilities, in accordance with prevailing Indonesia Central Bank (BI) regulations.

b) The Board of Directors of Bank Permata has performed its responsibilities in creating and developing the compliance culture in Bank Permata.

c) The Compliance working unit of Bank Permata has properly performed its duties and responsibilities, in accordance with prevailing BI/OJK regulations.

d) The effectiveness of implementation of GCG principle of Bank Permata’s subsidiary in general is good.

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6. Penerapan Fungsi Audit Intern:a) Direksi telah memastikan terciptanya struktur pengendalian intern dan

menjamin terselenggaranya fungsi audit intern Bank yang independen dan efektif dalam setiap tingkatan manajemen sesuai dengan tingkat risiko.

b) Direksi telah memastikan pemantauan tindak lanjut temuan audit intern Bank telah dilakukan sesuai dengan kebijakan Bank.

c) Bank telah melakukan kaji ulang atas efektivitas pelaksanaan kerja SKAI dan kepatuhannya terhadap regulasi dan Standard Profesional Audit Intern oleh pihak eksternal yang independen setiap tiga tahun.

d) SKAI telah secara berkala melakukan kaji ulang realisasi dan rencana pemeriksaan, kecukupan ruang lingkup pemeriksaan untuk menilai kecukupan dan efektivitas Sistem Pengendalian Intern Bank.

e) Bank telah merencanakan dan merealisasikan program untuk peningkatan kualitas sumber daya manusia secara berkala dan berkelanjutan melalui program pelatihan dan sertifikasi profesi bagi staf SKAI.

f) SKAI telah melaporkan seluruh temuan hasil pemeriksaan sesuai ketentuan.g) SKAI telah menyusun dan mengkinikan Kebijakan dan Panduan Internal

sebagai pedoman pelaksanaan tugas bagi auditor.h) Pada anak perusahaan, Audit Internal telah melaporkan temuan hasil

pemeriksaan sesuai dengan ketentuan yang berlaku.7. Penerapan Fungsi Audit Ekstern:

a) Pelaksanaan audit atas laporan keuangan Bank Permata dan anak perusahaan dilakukan oleh Akuntan Publik dan KAP yang terdaftar di Otoritas Jasa Keuangan.

b) Dengan memperhatikan ketentuan yang berlaku, Bank Permata telah melakukan penunjukan KAP Tanudiredja, Wibisana, Rintis & Rekan guna melakukan audit terhadap laporan keuangan untuk tahun buku yang berakhir pada 31 Desember 2019.

c) Penunjukkan KAP telah memperoleh persetujuan RUPS berdasarkan rekomendasi dari Komite Audit dan Dewan Komisaris dan senantiasa memperhatikan peraturan perundang-undangan yang berlaku.

d) Akuntan Publik dan KAP yang ditunjuk mampu bekerja secara independen dan memenuhi standar profesional akuntan publik serta menyampaikan laporan-laporan kepada Otoritas Jasa Keuangan dengan tepat waktu.

e) Akuntan Publik secara rutin melakukan komunikasi dengan Otoritas Jasa Keuangan mengenai kondisi Bank Permata dalam rangka persiapan dan pelaksanaan audit.

8. Penerapan Fungsi Manajemen Risiko dan Pengendalian Intern:a) Bank Permata telah menerapkan dan melaksanakan proses tata kelola

yang mencakup pengawasan dari Dewan Komisaris dan Direksi, pengawasan melalui komite tata kelola, peninjauan pengendalian internal oleh audit (audit internal dan audit eksternal) dan pelaksanaan kerangka kerja manajemen risiko.

b) Pada anak perusahaan, peran dan tanggung jawab mengenai pelaksanaan manajemen risiko sudah ditetapkan.


Kaji ulang atas kebijakan, sistem dan prosedur, dan pengawasan eksposur penyediaan dana telah dijalankan secara memadai agar sesuai dengan ketentuan peraturan perundang-undangan. Proses pemilihan dan pengkajian debitur telah ditingkatkan dengan pembaharuan kriteria underwriting dan penetapan panduan nilai fasilitas berdasarkan Credit Grading mencegah pemberian dana besar terhadap debitur berkualitas rendah. Pengambilan keputusan kredit telah dilakukan secara independen tanpa intervensi dari pihak terkait dan/atau pihak lain.

10. Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan pelaksanaan GCG dan laporan Internal:a) Laporan pelaksanaan GCG Bank Permata telah disampaikan secara

lengkap, akurat, kini dan utuh. b) Bank Permata telah mentransparansikan kondisi keuangan dan non-

keuangan, tata cara pengaduan nasabah dan penyelesaian sengketa, informasi produk, serta informasi lain sesuai dengan ketentuan yang berlaku.

c) Anak perusahaan telah melaksanakan Transparansi kondisi keuangan dan non keuangan sesuai dengan ketentuan yang berlaku.

11. Rencana Strategis Bank: a) Proses penyusunan, penetapan, dan pengawasan rencana strategis Bank

Permata telah disusun oleh Direksi secara bersama termasuk rencana-rencana inisiatif perbaikan yang dilakukan oleh korporasi sesuai dengan prinsip kehati-hatian dalam menjalankan asas perbankan yang sehat dan tetap mempertimbangkan segala risiko yang mungkin timbul dari faktor internal dan eksternal.

b) Rencana Korporasi dan Rencana Bisnis beserta realisasinya telah dikomunikasikan oleh Direksi kepada Pemegang Saham Pengendali (melalui perwakilannya di Dewan Komisaris) dan seluruh pejabat senior. Selain itu, Direksi juga secara berkala menginformasikan gambaran besar rencana strategis Bank kepada semua karyawan di berbagai jenjang melalui berbagai forum komunikasi korporasi yang bersifat interaktif (termasuk SEF, ELT Forum, Chief Chat, road show ke cabang, Town Hall direktorat) dan melalui surat elektronik (e-mail).

6. Implementation of Internal Audit Function:a) The Board of Directors has ensured the development of an internal control

structure and implementation of an independent and effective Internal Audit function in all level of management to consider the risk level.

b) The Board of Directors has ensured that the monitoring of internal audit findings has been carried out in accordance with the Bank’s policies.

c) Bank has reviewed the effectiveness of work implementation of SKAI and its compliance with regulation and Professional Standard of Internal Audit performed by an independent external party every three years.

d) SKAI has reviewed the audit assignments realization and audit plan, the adequacy of audit scope to assess the adequacy and effectiveness of the Bank’s Internal Control System continuously.

e) The Bank has planned and implemented programs to improve the quality of human resources on a regular and continuous basis through training programs and professional certification program for SKAI staff.

f) SKAI has reported all audit findings accordance with the regulation.g) SKAI has prepared and updated the Internal Policy and Guidelines as

guidance for auditors.h) For Bank Permata’s subsidiary, SKAI has reported all audit findings

accordance with the prevailing regulation. 7. Implementation of External Audit Function:

a) The audit of Bank Permata and its subsidiary’s financial report is conducted by the Public Accountant and KAP registered in Otoritas Jasa Keuangan.

b) In accordance with the prevailing regulations, Bank Permata has appointed KAP Tanudiredja, Wibisana, Rintis & Rekan to audit the financial statements for fiscal year ending 31 Desember 2019.

c) The appointment of KAP has obtained the approval of AGMS based on the recommendation from the Audit Committee and BOC and in accordance with the prevailing laws and regulations.

d) The appointed Public Accountant and KAP are capable to work independently and fulfill the professional standards for the Public Accountant and submit the reports to Otoritas Jasa Keuangan on a timely manner.

e) The Public Accountant has routine communications with Otoritas Jasa Keuangan on the condition of Bank Permata in the preparation and execution of audit.

8. Implementation of Risk Management and Internal Control Functions:a) Bank Permata has established and implemented governance process

includes the oversight of the Board of Commissioners and the Board of Directors and oversight through the risk governance committee, internal control review conducted by the audit (internal audit and external audit) and the implementation of risk management framework.

b) For Bank Permata’s subsidiary, function and responsibilities on the implementation of risk management has been stipulated.

9. Provision of Funds to Related Party and Large Exposures:

Periodic review of policies, system and procedure is in place, and monitoring of provision of fund is adequate and aligned with external regulation. Selective review process of the debtor is continually improved through the update of underwriting criteria and credit policy, and credit grade tiering prevents large exposures to poor quality debtors. Furthermore, credit decision is done independently without the intervention or influence from related parties and/or other parties.

10. Transparency of Financial and Non-financial Condition of the Bank, Implementation of GCG Report and Internal Report:a) The implementation of GCG report of Bank Permata has been submitted

in a complete, accurate, updated and comprehensive manner. b) Bank Permata has provided transparent information on the financial and non-

financial condition, the procedure for complaints and the dispute resolution, product information, and other information pursuant to the prevailing regulation.

c) Bank Permata’s subsidiary has provided transparent information on the financial and non-financial condition in accordance with the prevailing regulation.

11. Bank’s Strategic Plan:a) The formulation, implementation and monitoring process of Bank

Permata’s Strategic Plan and improvement initiatives has been prepared by Board of Directors and carried out in accordance with the prudential banking principles and still take full consideration of all the risk factors that may arise from both internal and external factors.

b) Corporate Plan and Business Plan and their realizations have been communicated by the Board of Directors to the Controlling Shareholders (through their representatives on the Board of Commissioners) and all senior officials. In addition, the Board of Directors also regularly inform the general strategic plan of the Bank to all employees at various levels through various corporate communication platforms, including interactive engagements (SEF, ELT Forum, Chief Chat, Roadshow to the branches, Directorate townhall) and through electronic mail.


PT Bank Permata Tbk


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c) Para pemegang saham pengendali (SCB dan Astra) terus menunjukan komitmen untuk memperkuat permodalan Bank dan memperkuat susunan manajemen di level Direksi untuk mendukung pertumbuhan jangka panjang.

d) Seluruh rencana bisnis anak perusahaan disusun dengan memperhatikan prinsip kehati-hatian dan perubahan yang terjadi baik eksternal maupun internal.

III. Governance Outcome:1. Pelaksanaan Tugas dan Tanggung Jawab Direksi:

a) Rapat Direksi telah terselenggara secara efektif dan efisien, dan hasil rapat Direksi telah didokumentasikan dengan baik. Untuk anak perusahaan, setiap rapat Direksi telah dituangkan dan didokumentasikan dalam Notulen Rapat Direksi.

b) Aspek transparansi seluruh anggota Direksi Bank Permata dan anak perusahaan dilaksanakan dengan baik sesuai dengan ketentuan yang berlaku.

2. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris: a) Hasil kinerja Dewan Komisaris Bank Permata dan anak perusahaan,

berupa hasil rapat Dewan Komisaris telah didokumentasikan dengan baik dan merupakan rekomendasi dan arahan yang dapat diimplementasikan oleh RUPS dan Direksi.

b) Aspek transparansi seluruh anggota Dewan Komisaris Bank Permata dan anak perusahaan telah dilaksanakan dengan baik sesuai dengan ketentuan yang berlaku.

3. Kelengkapan dan Pelaksanaan Tugas Komite: Masing-masing Komite Bank Permata dan anak perusahaan telah

melaksanakan fungsinya sesuai ketentuan yang berlaku dan hasil Rapat Komite telah dituangkan dalam risalah rapat dan didokumentasikan dengan baik oleh masing-masing Komite.

4. Penanganan Benturan Kepentingan: a) Tidak ada transaksi yang mengandung benturan kepentingan yang dapat

merugikan atau mengurangi keuntungan Bank Permata.b) Pada anak perusahaan, tidak terdapat benturan kepentingan antara

Perusahaan dengan Pengurus maupun karyawan yang dapat atau berpotensi merugikan perusahaan.

5. Penerapan Fungsi Kepatuhan Bank: a) Bank Permata selalu menyampaikan Laporan Kepatuhan kepada OJK

dan pihak terkait tepat waktu, dan telah sesuai dengan ketentuan OJK yang berlaku.

b) Bank Permata terus menerus melakukan sosialisasi peraturan-peraturan baik yang baru maupun yang signifikan bagi Bank dan menyempurnakan sistem aplikasi terkait implementasi peraturan tersebut sehingga menurunkan tingkat pelanggaran terhadap ketentuan yang berlaku.

c) Bank Permata telah berhasil membangun dan memiliki kesadaran atas budaya Kepatuhan dalam pengambilan keputusan dan dalam kegiatan operasional.

d) Pada anak perusahaan, tingkat pelanggaran yang rendah sebagai hasil dari penerapan fungsi pengawasan Kepatuhan Perseroan secara umum.

6. Penerapan Fungsi Audit Intern: a) Direksi telah memastikan kegiatan pelaksanaan fungsi audit intern Bank

disampaikan dalam Laporan Tahunan Bank.b) Temuan pemeriksaan SKAI termasuk temuan berulang telah

ditindaklanjuti. SKAI melakukan validasi atas temuan dengan kategori risiko tinggi 6 (enam) bulan setelah temuan dinyatakan closed dan rekomendasi SKAI diimplementasikan oleh auditee terkait.

c) SKAI bertindak obyektif dalam melakukan audit sesuai yang tercantum di Piagam Internal Audit dan Kode Etik.

d) Fungsi audit intern telah dilaksanakan secara memadai dengan memperhatikan antara lain kecukupan program audit, ruang lingkup dan terpenuhinya jumlah dan kualitas auditor intern.

e) Fungsi Audit internal anak perusahaan telah dilaksanakan secara memadai dimana program kerja dan pelaksanaannya telah mencakup seluruh unit kerja, mempertimbangkan tingkat risiko pada masing-masing unit kerja, berpedoman pada prinsip-prinsip SPFAIB.

7. Penerapan Fungsi Audit Ekstern: Dalam melakukan audit, auditor Bank Permata dan anak perusahaan telah

bertindak obyektif dan hasil audit telah sesuai dengan ruang lingkup audit, serta menggambarkan kondisi Bank Permata dan hasil tersebut telah disampaikan kepada Otoritas Jasa Keuangan secara tepat waktu.

8. Penerapan Fungsi Manajemen Risiko dan Pengendalian Intern:a) Secara umum, Kerangka Kerja Manajemen Risiko dan proses manajemen

risiko telah dilaksanakan sesuai dengan tujuan bisnis, kebijakan, ukuran, kompleksitas bisnis dan kemampuan Bank Permata.

b) Komite Tata Kelola Risiko yang berada pada tingkat Dewan Komisaris dan Direksi telah melakukan pengawasan secara aktif terhadap pelaksanaan manajemen risiko di Bank Permata. Bank Permata mengambil posisi yang sesuai kemampuan Bank Permata.

c) Both controlling shareholders (SCB and Astra) continue to show a commitment to strengthen the Bank’s capital and strengthen the management at the Board of Directors level to support long-term growth.

d) All business plan of Bank Permata’s subsidiary has been prepared with prudential principle and considering the change of external and internal condition.

III. Governance Outcome:1. Performance of Duties and Responsibilities by the Board of Directors:

a) Meetings of the Board of Directors has been held effectively and efficiently, and the result of meeting of the Board of Directors has been properly documented. For subsidiary, all BOD meetings has been documented in the minutes of meeting.

b) Transparency aspect of all members of the Board of Directors of Bank Permata and its subsidiary have been properly conducted pursuant to the prevailing regulations.

2. Performance of Duties and Responsibilities by the Board of Commissioners:a) The outcome of the Board of Commissioners’ of Bank Permata and its subsidiary

performance, namely the result of meeting of the Board of Commissioners has been properly documented and constitutes recommendations and directions that can be implemented by the GMS and the Board of Directors.

b) Transparency aspect of all members of the Board of Commissioners of Bank Permata and its subsidiary have been properly conducted pursuant to the prevailing regulations.

3. Adequacy and Performance of Duties by the Committees: Each Committee of Bank Permata and its subsidiary performed its function

pursuant to the prevailing regulations and the result of meeting of the Committee has been incorporated into the minutes of meeting and properly documented by each Committee.

4. Management of Transactions with Conflict of Interest:a) There is no transaction containing conflict of interest that is detrimental to

the Bank or reduces the Bank Permata’s profits.b) For Bank Permata’s subsidiary, there is no conflict of interest between

the Company and the management nor the employees, which may incur losses to the company.

5. Implementation of Bank’s Compliance Function:a) Bank Permata always submits the Compliance Report to OJK and the

related party in a timely manner, and is in compliance with the prevailing regulations of BI/OJK.

b) Bank Permata conducted socialization of new regulations or significant to Bank continuously and perfected application system related to the implementation of such regulations therefore decrease the violation level to the prevailing regulations.

c) Bank Permata has developed and have awareness of the Compliance Culture in decision making and operational activities.

d) For subsidiary, low number of violation as a result of Compliance monitoring.

6. Implementation of Internal Audit Function:a) The Board of Directors has ensured that implementation of the Internal

Audit function is provided in the Bank’s Annual Report.b) The audit findings have been followed up including repeated findings.

The Internal Audit performed validation audit for high risk findings 6 (six) months after the findings were confirmed closed and the recommendations were implemented by respective auditee.

c) SKAI acts objectively in conducting the audit in accordance with the Internal Audit Charter and Code of Ethics.

d) The internal audit function has been carried out adequately implemented with due observance among others the adequacy of audit program, audit scope and the fulfillment of number and quality of the internal auditor.

e) The function of SKAI in Bank Permata’s subsidiary has been conducted properly whereas the working program and its implementation has covered all working units, considering the risk level on each working unit, as well as taking into account SPFAIB.

7. Implementation of External Audit Function: In conducting the audit, the auditor of Bank Permata and its subsidiary have

performed objectively and the audit result is consistent with the scope of audit and describes the condition of Bank Permata and its subsidiary and such result has been submitted to Otoritas Jasa Keuangan on a timely manner.

8. Implementation of Risk Management and Internal Control Functions:a) In general, Risk Management Framework and risk management process

has been implemented and in line with the business purpose, policy, size and business’s complexity and Bank Permata’s capability.

b) Risk Governance Committee at the level of the Board of Commissioners and the Board of Directors actively oversee the risk management implementation in Bank Permata. Bank Permata takes position in line with the Bank Permata’s capability.

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c) Berdasarkan laporan penilaian peringkat risiko bank kuartal ke-3 2019, peringkat risiko pada seluruh tipe risiko relatif stabil dan tidak mengalami perubahan peringkat risiko inheren dan kualitas manajemen risiko dibandingkan periode sebelumnya. Hasil keseluruhan risiko inheren adalah Low to Moderate dan kualitas manajemen risiko adalah Satisfactory.

d) Dewan Komisaris dari anak perusahaan berperan aktif dengan memantau perkembangan Manajemen Risiko secara keseluruhan pada pertemuan bulanan Komite Pemantau Manajemen Risiko yang diselenggarakan sebagai bagian dari rapat Dewan Komisaris dan Direksi.


Bank Permata telah melakukan monitoring terhadap penyediaan dana kepada pihak terkait dan tidak terdapat pelampauan maupun pelanggaran BMPK untuk periode Januari-Desember 2019. Laporan telah diberikan kepada regulator secara berkala dan tepat waktu.

10. Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan pelaksanaan GCG dan laporan Internal: a) Laporan Tahunan, Laporan Keuangan, publikasi, prospektus, laporan tahunan

termasuk laporan pelaksanaan GCG serta Laporan Corporate Action telah disampaikan secara tepat waktu kepada stakeholders, termasuk kepada Otoritas Jasa Keuangan (atau regulator terkait) sesuai ketentuan yang berlaku.

b) Bank Permata secara transparan menyampaikan informasi produk dan jasa, menerapkan pengelolaan pengaduan nasabah dengan efektif serta memelihara data dan informasi pribadi nasabah sesuai dengan ketentuan yang berlaku.

c) Laporan Tahunan anak perusahaan telah dibuat setiap tahunnya dan telah disampaikan kepada Pemegang Saham, OJK dan Perusahaan telah menjawab serta melakukan monitoring atas pengaduan nasabah sesuai ketentuan yang berlaku.

11. Rencana Strategis Bank:a) Rencana Korporasi dan Rencana Bisnis Bank Permata maupun revisinya

telah disusun oleh Direksi dan telah dikomunikasikan dan disetujui oleh Dewan Komisaris.

b) Rencana Korporasi dan Rencana Bisnis beserta realisasinya telah dikomunikasikan Direksi kepada Pemegang Saham Pengendali dan ke seluruh jenjang manajemen yang ada dalam organisasi Bank Permata. Direksi juga secara berkala mengirimkan pesan elektronik kepada seluruh karyawan melalui media surat elektronik (e-mail) korporasi untuk mengkomunikasikan secara garis besar arah strategi bisnis dan termasuk penjelasan atas pencapaian kinerja Bank secara berkala.

c) Bank menyadari pertumbuhan bisnis yang berkesinambungan harus didukung oleh pengembangan faktor-faktor pendukung (SDM, IT, manajemen risiko, cabang, proses, dll). Untuk itu, Bank secara konsisten melakukan peninjauan kembali dan investasi untuk mengembangkan faktor-faktor pendukung tersebut.

d) Pemberitahuan secara resmi melalui surat elektronik Presiden Direktur tertanggal 12 Desember 2019 bahwa telah dilakukan penandatangan Perjanjian Pembelian Saham Bersyarat antara Standard Chartered Bank (Standard Chartered) dan Astra International (Astra) dengan Bangkok Bank Public Company Limited dimana Standard Chartered dan Astra bersama-sama akan mengalihkan 89,12% kepemilikan PermataBank ke Bangkok Bank. Penyelesaian transaksi masih harus memenuhi sejumlah kondisi preseden termasuk persetujuan peraturan yang berlaku di Indonesia dan Thailand.

e) Penyampaian Keterbukaan atas Informasi atau Fakta Material oleh Bank Permata terkait Penandatanganan CSPA tersebut di atas telah dipublikasikan melalui website resmi Bank Permata.

f) Untuk anak perusahaan, komunikasi dilakukan secara rutin oleh Direksi kepada Pemegang saham dan seluruh jenjang organisasi yang ada di anak perusahaan.

Kelemahan pelaksanaan Tata Kelola dan penyebabnya: Terdapat kelemahan dalam pelaksanaan Tata Kelola, namun secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh pihak manajemen Bank Permata (dan anak perusahaan).

Keterangan:Per 31 Desember 2019 tidak terdapat informasi di luar 11 faktor tersebut di atas yang mungkin berdampak mengganggu operasional dan/atau kelangsungan usaha Bank Permata.

c) Based on risk profile assessment Q3 2019, risk rating in all risk types relatively stable where there are no changes in rating of the inherent risk and risk management implementation quality from the previous period. Overall result Inherent Risk rating is Low to Moderate and Risk Management Implementation Quality is Satisfactory.

d) The Board of Commissioners of Bank Permata’s subsidiary has active role in monitoring the progress of the overall Risk Management at monthly meeting of the Risk Management Oversight Committee, as part of the Board of Commissioners and Board of Directors’ meeting.

9. Provision of Funds to Related Party and Large Exposures: PermataBank has been monitoring the provision of fund to related parties and

large exposures closely and has neither exceed nor breached the legal lending limit stipulated by the regulator for the period of January – December 2019. Timely reports are also given to the regulator periodically.

10. Transparency of Financial and Non-financial Condition of the Bank, Implementation of GCG Report and Internal Report:a) The Annual Report, Financial Report, publication, prospectus, annual

report, including the implementation of GCG report and the Corporate Action Report have been submitted in a timely manner to the stakeholders, including to the Regulator pursuant to the prevailing regulations.

b) Bank Permata has provided transparent information on products and services, implemented the management of complaints by the customers effectively and preserved the personal data and information of the customers pursuant to the prevailing regulations.

c) Annual Report of Bank Permata’s subsidiary have been prepared every year and submitted to Shareholder, OJK and the Company has respond and monitor on the customers’ complaint in accordance with prevailing regulation.

11. Bank’s Strategic Plan:a) Bank’s Corporate Plan and Business Plan and its revisions have been

prepared by the Board of Directors and have been communicated and approved by the Board of Commissioners.

b) Corporate Plan and Business Plan and its realizations have been communicated by the Board of Directors to the Controlling Shareholders and to all levels of management in the Bank’s organization. The Board of Directors periodically send electronic messages to all employees through corporate e-mail media for communicating on the direction of the business strategy, including explanation of the achievement of the Bank’s performance on a regular basis.

c) The Bank realized that sustainable business growth must be supported by the development of the supporting factors/enablers (HR, IT, risk management, branch, process, etc.). To that end, the Bank consistently continued to review and invest in the development of these enabling factors.

d) Official notification by email of the President Director dated 12 December 2019 that a Conditional Share Purchase Agreement was signed between Standard Chartered Bank (Standard Chartered) and Astra International (Astra) with Bangkok Bank Public Company Limited, where Standard Chartered and Astra together will transfer 89.12% ownership of PermataBank to Bangkok Bank. The completion of the transactions still has to fulfill of the precedent conditions including regulatory approvals applied in Indonesia and Thailand.

e) Bank Permata has published the Information Transparencies or Material Facts regarding the Signing of CSPA through the official website of Bank Permata.

f) For Bank Permata’s subsidiary, the communication has been conducted regularly by the Board of Directors to the Shareholders and all level of the organization in Bank Permata’s subsidiary.

GCG weakness and its factors: There are weaknesses in the implementation of good corporate governance, but in general these weaknesses is less significant and can be solved through normal action by Bank Permata’s management (and its subsidiary).

Notes:As per 31 December 2019, there is no other information other than 11 factors above mentioned that may impact the operational and business of Bank Permata.


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GENERAL MEETING OF SHAREHOLDERS

Implementation of General Meeting of Shareholders (GMS)

Implementation of GMS in 2019PermataBank only held one GMS in 2019 which was Annual GMS.

Annual GMS was held on Tuesday, 23 April 2019 at Nusantara Room, WTC II, 21st Floor, Jl. Jend. Sudirman Kav. 29-31, Jakarta.

1. Notification of GMS Notification of Annual GMS was announced in the newspaper

Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 15 March 2019. Invitations to the Annual GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 1 April 2019. Resolutions of Annual GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 24 April 2019.

2. GMS Attendees Annual GMS was attended or represented by shareholders

holding 25,707,493,565 shares or 91.673% of total shares with legal voting rights issued by PermataBank as of the Annual GMS which were 28,042,739,205 shares, referring to PermataBank’s Shareholders List on 29 March 2019 until 16:15 WIB.

RAPAT UMUM PEMEGANG SAHAM

Pelaksanaan Rapat Umum Pemegang Saham (RUPS)

Pelaksanaan RUPS Selama Tahun 2019Selama tahun 2019, PermataBank hanya mengadakan satu kali RUPS yaitu RUPS Tahunan.

RUPS Tahunan diadakan pada hari Selasa, 23 April 2019 bertempat di Nusantara Room, WTC II, Lantai 21, Jl. Jend. Sudirman Kav 29-31, Jakarta.

1. Pemberitahuan Pelaksanaan RUPS Pemberitahuan RUPS Tahunan diumumkan di harian Bisnis

Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 15 Maret 2019. Pemanggilan RUPS Tahunan diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 1 April 2019. Sedangkan untuk hasil RUPS Tahunan diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 24 April 2019.

2. Peserta RUPS RUPS Tahunan dihadiri atau diwakili oleh pemegang

25.707.493.565 saham atau merupakan 91,673% dari jumlah seluruh saham yang mempunyai hak suara yang sah yang telah dikeluarkan PermataBank sampai dengan hari diadakannya RUPS Tahunan, yaitu sejumlah 28.042.739.205 saham, dengan memperhatikan Daftar Pemegang Saham PermataBank per tanggal 29 Maret 2019 sampai dengan pukul 16:15 Waktu Indonesia Barat.

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Annual GMS was attended by members of Board of Commissioners and members of Board of Directors of the Company as follows:

Board of Commissioners:- President Commissioner: Sebastian Ramon Arcuri- Vice President Commissioner: Suparno Djasmin- Independent Commissioner: David Allen Worth- Independent Commissioner: Haryanto Sahari- Independent Commissioner: Zulkifli Zaini- Independent Commissioner: Rahmat Waluyanto- Commissioner: Mark Spencer Greenberg- Commissioner: Ian Charles Anderson

Board of Directors: - President Director: Ridha DM Wirakusumah- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Lea Setianti Kusumawijaya- Independent Director: Darwin Wibowo- Compliance Director: Dhien Tjahajani- Shariah Business Unit Director: Herwin Bustaman- Director: Djumariah Tenteram

3. Meeting Chairman Annual GMS was chaired by Mr. Suparno Djasmin as Vice

President Commissioner of the Company, based on the decision of Board of Commissioners Meeting dated 27 February 2019.

4. Submission Enquiries and/or Opinion For each item on the Annual GMS agenda, all shareholders

were given the opportunity to submit their questions and/or opinions related to such agenda item.

5. Decision Making Resolutions on the agenda of Annual GMS were adopted by

deliberation to reach a consensus. In the event there was no consensus then the resolutions of Annual GMS agenda were adopted by voting with affirmative votes of more than 1/2 portion of the total number of votes legally cast in the Annual GMS.

RUPS Tahunan dihadiri oleh anggota Dewan Komisaris and Direksi Perseroan sebagai berikut:

Dewan Komisaris:- Komisaris Utama: Sebastian Ramon Arcuri- Wakil Komisaris Utama: Suparno Djasmin- Komisaris Independen: David Allen Worth- Komisaris Independen: Haryanto Sahari- Komisaris Independen: Zulkifli Zaini- Komisaris Independen: Rahmat Waluyanto- Komisaris: Mark Spencer Greenberg- Komisaris: Ian Charles Anderson

Direksi:- Direktur Utama: Ridha DM Wirakusumah- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Lea Setianti Kusumawijaya- Direktur Independen: Darwin Wibowo- Direktur Kepatuhan: Dhien Tjahajani- Direktur Unit Usaha Syariah: Herwin Bustaman- Direktur: Djumariah Tenteram

3. Pimpinan Rapat RUPS Tahunan dipimpin oleh Bapak Suparno Djasmin selaku

Wakil Komisaris Utama Perseroan, berdasarkan Keputusan Rapat Dewan Komisaris tertanggal 27 Februari 2019.

4. Pengajuan Pertanyaan dan/atau Penyampaian Pendapat Dalam setiap pembahasan mata acara RUPS Tahunan, semua

pemegang saham telah diberi kesempatan untuk mengajukan pertanyaan dan/atau pendapat terkait dengan mata acara.

5. Pengambilan Keputusan Keputusan atas keseluruhan mata acara RUPS Tahunan

diambil berdasarkan musyawarah untuk mufakat. Namun jika musyawarah untuk mufakat tidak tercapai, maka untuk mata acara RUPS Tahunan pengambilan keputusan dilakukan dengan pemungutan suara berdasarkan suara setuju lebih dari 1/2 bagian dari jumlah seluruh suara yang telah dikeluarkan secara sah dalam Rapat.


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Keputusan dan RealisasiResolutions and Realization

No. Mata AcaraAgenda

Jumlah SuaraTotal Voting

KeputusanResolutions

RealisasiRealization

SetujuAgree

Tidak SetujuAgainst Abstain

1. Persetujuan atas Laporan Tahunan 2018 dan pengesahan atas Laporan Keuangan Konsolidasian untuk tahun buku yang berakhir pada tanggal 31 Desembesr 2018.

25.706.928.632 saham atau 99,998%

564.933 saham atau 0,002%

3.574.900 saham atau 0,014%

1. Menyetujui Laporan Tahunan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2018, termasuk mengesahkan Laporan Tugas Pengawasan Dewan Komisaris Perseroan;

2. Mengesahkan Laporan Keuangan Konsolidasian Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2018 yang telah diaudit oleh Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan dengan opini “wajar, dalam semua hal yang material” sebagaimana dinyatakan dalam laporannya tanggal 20 Februari 2019; dan

3. Dengan disetujuinya Laporan Tahunan dan disahkannya Laporan Tugas Pengawasan Dewan Komisaris Perseroan dan Laporan Keuangan Konsolidasian Perseroan, diberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (volledig acquit et de charge) kepada segenap anggota Direksi dan anggota Dewan Komisaris Perseroan yang menjabat di tahun buku 2018 atas tindakan kepengurusan dan pengawasan yang telah mereka jalankan selama tahun buku 2018, sejauh tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Konsolidasian Perseroan tahun buku 2018, kecuali untuk perbuatan penggelapan, penipuan dan tindak pidana lainnya.

Laporan Tahunan Perseroan sudah disetujui serta Laporan Keuangan Konsolidasian sudah disahkan dalam RUPS Tahunan.

To approve the 2018 Annual Report and to ratify of the Consolidated Financial Statements of the Company for the financial year ended 31 December 2018.

25,706,928,632 shares or 99.998%

564,933 shares or 0.002%

3,574,900 shares or 0.014%

1. Approved the Annual Report of the Company for the financial year ended on 31 December 2018, including ratified the Board of Commissioners’ Supervisory Report;

2. Ratified the Financial Report of the Company for the financial year ended on 31 December 2018 which has been audited by Public Accounting Office Tanudiredja, Wibisana, Rintis & Rekan with the opinion “fairly, in all material respects”, as stated in its report dated 20 February 2019; and

3. By approving the Annual Report and ratifying the Board of Commissioners Supervisory Report and Consolidated Financial Statement of the Company, granted the full acquittal and discharge (volledig acquite et de charge) to all members of the Board of Directors and the Board of Commissioners of the Company who served in financial year of 2018 for their management and supervisory duties exercised during the financial year of 2018, provided that such actions are reflected in the Annual Report and Financial Statements of the Company for financial year 2018, except for the fraud, embezzlement and other criminal acts.

Annual Report of the Company has been approved and Consolidated Financial Statements has been ratified in Annual GMS.

2. Penetapan penggunaan keuntungan bersih Perseroan untuk tahun buku yang berakhirpada tanggal 31 Desember 2018.

25.707.493.565 saham atau 100%

- 1.000.000 sahamatau 0,004%

Menyetujui penggunaan laba bersih Perseroan selama tahun buku yang berakhir pada 31 Desember 2018 seluruhnya dibukukan sebagai laba ditahan, untuk memperkuat struktur permodalan Perseroan.

Laba bersih sudah dibukukuan sebagai laba ditahan.

To determine the use of the Company’s net profit for financial year ended on 31 December 2018.

25,707,493,565 shares or 100%

- 1,000,000 shares or 0,004%

Approved the use of all the Company’s net profit as of 31 December 2018 to be recorded as retained earnings, to strengthen the Company’s capital structure.

Net profit has been recorded as retained earnings.

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SetujuAgree


3. Penunjukan Kantor Akuntan Publik yang akan mengaudit buku-buku Perseroan untuktahun buku 2019 dan penetapan honorarium bagi Kantor Akuntan Publik tersebut sertapersyaratan lain untuk penunjukannya.

25.332.645.066 saham atau 98,542%

374.848.499 saham atau 1,458%

1.000.000 saham atau 0,004%

1. Menunjuk kembali Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan, anggota jaringan firma PricewaterhouseCoopers yang merupakan kantor akuntan publik yang terdaftar di OJK untuk melakukan audit atas Laporan Keuangan Perseroan untuk tahun buku sepanjang 2019.

2. Memberi wewenang kepada Dewan Komisaris Perseroan untuk menetapkan besarnya honorarium profesional yang wajar sehubungan dengan penunjukan Kantor Akuntan Publik tersebut.

3. Memberi kuasa kepada Dewan Komisaris atas dasar rekomendasi dari Komite Audit untuk menunjuk Kantor Akuntan Publik lain yang terdaftar di OJK dan memiliki pengalaman dalam audit perbankan dan berafiliasi dengan Kantor Akuntan Publik Internasional yang diakui, dalam hal Kantor Akuntan Publik.

Menunjuk Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan untuk melakukan audit atas Laporan Keuangan Perseroan tahun buku 2019.

To appoint Public Accounting Office who will audit the Financial Statement of the Company for the financial year of 2019, and to determine fees for the Public Accounting Office including its terms and condition of the appointment.

25,332,645,066 shares or 98.542%

374,848,499 shares or 1.458%

1,000,000 shares or 0.004%

1. Reappointed the Public Accounting Office Tanudiredja, Wibisana, Rintis & Rekan, member ofPricewaterhouseCoopers which registered in the OJK to audit the Company’s Financial Statement of 2019 financial year.

2. Granted authority to the Board of Commissioners of the Company to determine reasonable professional honorarium in connection with the appointment of the Public Accounting Office.

3. Granted power and authority to the Board of Commissioners based on the recommendation from the Audit Committee to appoint the other Public Accounting Office which registered in the OJK and has experiences in banking audit as well as affiliated with the International Public Accounting Office, if the appointed Public Accounting Office for whatever reason, cannot fulfill its duties.

Appointed Public Accountant Office Tanudiredja, Wibisana, & Partner to audit the Financial Statements of the Company for 2019 financial year.


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SetujuAgree


4. Perubahan susunan Pengurus Perseroan.

25.332.645.066 saham atau 98,542%

374.848.499 saham atau 1,458%

1.000.000 saham atau 0,004%

1. Menyetujui pengangkatan Bapak Dayan Sadikin sebagai Direktur Perseroan yang baru untuk masa jabatan efektif setelah Rapat ini ditutup sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020 atau sewaktu-waktu dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan serta ketentuan peraturan-perundangan yang berlaku.

2. Menyetujui pengunduran diri Bapak Loh Tee Boon dari jabatannya sebagai Direktur Perseroan. Pengunduran diri Bapak Loh Tee Boon berlaku efektif setelah Rapat ini ditutup, dengan catatan bahwa pelunasan dan pembebasan tanggung jawab sepenuhnya atas pelaksanaan tugasnya untuk masa jabatan dari 1 Januari 2019 sampai dengan tanggal efektif pengunduran dirinya akan dibahas dalam Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020.

Dengan demikian, susunan selengkapnya anggota Direksi Perseroan terhitung sejak ditutupnya Rapat ini adalah sebagai berikut:

DIREKSI:- Direktur Utama : Ridha DM Wirakusumah- Direktur : Abdy Dharma Salimin- Direktur : Lea Setianti Kusumawijaya- Direktur : Darwin Wibowo- Direktur Kepatuhan : Dhien Tjahajani- Direktur Unit Usaha Syariah : Herwin Bustaman- Direktur : Djumariah Tenteram- Direktur : Dayan Sadikin

3. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan kembali keputusan Rapat berkenaan dengan perubahan susunan Direksi Perseroan dalam akta notaris dan selanjutnya menyampaikan pemberitahuan susunan Direksi Perseroan tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan mendaftarkannya pada Daftar Perseroan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan-perundangan yang berlaku.

Pengangkatan Bapak Dayan Sadikin sebagai Direktur Perseroan telah berlaku efektif pada tanggal 23 April 2019.

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SetujuAgree


Changes the Management of the Company.

25,332,645,066 shares or 98.542%

374,848,499 shares or 1.458%

1,000,000 shares or 0.004%

1. Approved the appointment of Mr. Dayan Sadikin as new Director of the Company, for terms of office effective as of the closing of the Meeting, until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020, or at any time as decided in the General Meeting of Shareholders in accordance with the Articles of Association of the Company.

2. Approve the resignation of Mr. Loh Tee Boon as Director of the Company. The resignation of Mr. Loh Tee Boon shall be effective as of the closing of this meeting, with note that release and discharge on his duties and responsibilities during his tenure from 1 January 2019 until his resignation taking effect, will be discussed in the Annual General Meeting of Shareholders of the Company in 2020.

Therefore, the complete members of the Board of Directors of the Company as follows:

BOARD OF DIRECTORS:- President Director: Ridha DM Wirakusumah- Director: Abdy Dharma Salimin- Director: Lea Setianti Kusumawijaya- Director: Loh Tee Boon- Director: Darwin Wibowo- Compliance Director: Dhien Tjahajani- Shariah Business Unit Director: Herwin Bustaman- Director: Djumariah Tenteram- Director: Dayan Sadikin

3. Authorized the Board of Directors of the Company with substitution right, to restate the resolution of the Meeting regarding the appointment of the Board of Directors of the Company in notarial deed and as well as to notify composition of the Board of Directors of the Company to the Minister of Law and Human Rights of the Republic of Indonesia, and register it with the Company Register, and to do all required actions in compliance with the prevailing regulations.

Appointment of Mr. Dayan Sadikin as Director of the Company has been effective as of 23 April 2019.


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SetujuAgree


5. Penetapan besar dan jenis remunerasi serta fasilitas lain yang diberikan Perseroan kepada anggota Dewan Komisaris, anggota Direksi, dan Dewan Pengawas Syariah.

25.707.493.565 saham atau 100%

- 1.000.000 saham atau 0,004%

1. Dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan, menetapkan besarnya remunerasi serta fasilitas lain bagi seluruh anggota Dewan Komisaris Perseroan untuk tahun buku 2019 sebesar-besarnya Rp16.206.750.000 (enam belas miliar dua ratus enam juta tujuh ratus lima puluh ribu Rupiah) per tahun. Besarnya remunerasi serta fasilitas lain tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2019.

2. Memberikan kuasa kepada Dewan Komisaris Perseroan untuk menetapkan rincian pembagian jumlah remunerasi serta fasilitas lain yang akan diberikan di antara masing-masing anggota Dewan Komisaris Perseroan yang bersangkutan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan.

3. Memberikan kuasa kepada Dewan Komisaris Perseroan untuk menetapkan besarnya remunerasi serta fasilitas lain bagi setiap anggota Direksi Perseroan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan dan besarnya remunerasi serta fasilitas lain tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2019.

4. Dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan, menetapkan besarnya honorarium dan/atau tunjangan bagi seluruh anggota Dewan Pengawas Syariah Perseroan untuk tahun buku 2019 sebesar Rp831.151.193 (delapan ratus tiga puluh satu juta seratus lima puluh satu ribu seratus sembilan puluh tiga Rupiah) per tahun. Besarnya honorarium dan/atau tunjangan tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2019.

5. Memberikan kuasa kepada Dewan Pengawas Syariah Perseroan untuk menetapkan pembagian jumlah honorarium dan/atau tunjangan yang akan diberikan di antara masing-masing anggota Dewan Pengawas Syariah Perseroan yang bersangkutan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan.

Jumlah dan jenis remunerasi serta fasilitas lain yang diberikan kepada anggota Dewan Komisaris, anggota Direksi, dan Dewan Pengawas Syariah sebagaimana dilaporkan dalam Laporan Tahunan ini pada halaman 566-567.

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SetujuAgree


To determine the amount and type of remuneration and other facilities granted by the Company to the Board of Commissioners, the Board of Directors and Shariah Supervisory Board.

25,707,493,565 shares or 100%

- 1,000,000 shares or 0.004%

1. By taking into consideration of the proposal/opinion from the Remuneration and Nomination Committee of the Company determined the amount of remuneration and other facilities for the members of the Board of Commissioners of the Company for financial year 2019 at maximum Rp16,206,750,000 (sixteen billion two hundred six million seven hundred and fifty thousand Rupiah) per year. The said amount of remuneration and other facilities must be stated in the Annual Report of the Company for the year of 2019.

2. Authorized the Board of Commissioners of the Company to determine details of the distribution of the amount of remuneration and other facilities which will be granted for each member of the Board of Commissioners of the Company, by taking into consideration proposal/opinion from the Remuneration and Nomination Committee of the Company.

3. Authorized the Board of Commissioners of the Company to determine the distribution of the amount of remuneration and other facilities which will be granted for each member of the Board of Directors, by taking into consideration proposal/opinion from the Remuneration and Nomination Committee of the Company and the said amount of remuneration and other facilities must be stated in the Annual Report of the Company for the year of 2019.

4. By taking into consideration proposal/opinion from the Remuneration and Nomination Committee of the Company determined the amount of honorarium and/or facilities to all members of the Shariah Supervisory Board of the Company for the financial year 2018 shall be Rp831,151,193 (eight hundred thirty-one million one hundred fifty-one thousand one hundred and ninety-three Rupiah) per year. The said amount of honorarium and/or facilities must be stated in the Annual Report of the Company for the year of 2019.

5. Authorized the Shariah Supervisory Board of the Company to determine the distribution of the amount of honorarium and/or facilities which will be granted for each member of the Shariah Supervisory Board of the Company, by taking into consideration proposal/opinion from the Remuneration and Nomination Committee of the Company.

Total and type of remuneration including other facilities awarded to members of the Board of Commissioners, Board of Directors, and Shariah Supervisory Board as reported in the Annual Report page 566-567.

Pelaksanaan RUPS Selama Tahun 2018Selama tahun 2018 PermataBank mengadakan tiga kali RUPS yaitu RUPS Tahunan dan dua kali RUPS Luar Biasa.

A. RUPS Tahunan RUPS Tahunan diadakan pada hari Selasa, 24 April 2018

bertempat di Nusantara Room, WTC II, Lantai 21, Jl. Jend. Sudirman Kav 29-31, Jakarta.

1. Pemberitahuan Pelaksanaan RUPS Pemberitahuan RUPS Tahunan diumumkan di harian

Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 16 Maret 2018. Pemanggilan

Implementation of GMS in 2018In 2018, PermataBank held three GMS which were Annual GMS and two Extraordinary GMS.

A. Annual GMS Annual GMS was held on Tuesday, 24 April 2018 at Nusantara

Room, WTC II, 21st Floor, Jl. Jend. Sudirman Kav. 29-31, Jakarta.

1. Notification of GMS Notification of Annual GMS was announced in the

newspaper Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 16 March 2018.


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RUPS Tahunan diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 2 April 2018. Sedangkan untuk hasil RUPS Tahunan diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 26 April 2018.

2. Peserta RUPS RUPS Tahunan dihadiri atau diwakili oleh pemegang/

pemilik 26.294.952.657 saham atau merupakan 93,767% dari jumlah seluruh saham yang mempunyai hak suara yang sah yang telah dikeluarkan PermataBank sampai dengan hari diadakannya RUPS Tahunan, yaitu sejumlah 28.042.739.205 saham, dengan memperhatikan Daftar Pemegang Saham PermataBank per tanggal 29 Maret 2018 sampai dengan pukul 16:15 Waktu Indonesia Barat.

RUPS Tahunan dihadiri oleh anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut:

Dewan Komisaris:- Komisaris Utama: Sebastian Ramon Arcuri- Wakil Komisaris Utama: Suparno Djasmin- Komisaris Independen: David Allen Worth- Komisaris Independen: Haryanto Sahari- Komisaris Independen: Zulkifli Zaini- Komisaris Independen: Lukita Dinarsyah Tuwo- Komisaris: Mark Spencer Greenberg- Komisaris: Ian Charles Anderson

Direksi:- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur: Bianto Surodjo- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Lea Setianti Kusumawijaya- Direktur Independen: Darwin Wibowo

3. Pimpinan Rapat RUPS Tahunan dipimpin oleh Bapak Suparno Djasmin selaku

Wakil Komisaris Utama Perseroan, berdasarkan Keputusan Rapat Dewan Komisaris tertanggal 8 Maret 2018.

Invitations to the Annual GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 2 April 2018. Resolutions of Annual GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 26 April 2018.

2. GMS Attendees Annual GMS was attended or represented by shareholders

holding 26,294,952,657 shares or 93.767% of total shares with legal voting rights issued by PermataBank as of the Annual GMS which were 28,042,739,205 shares, referring to PermataBank’s Shareholders List on 29 March 2018 until 16:15 WIB.

Annual GMS was attended by members of Board of Directors and members of Board of Commissioners of the Company as follows:

Board of Commissioners:- President Commissioner: Sebastian Ramon Arcuri- Vice President Commissioner: Suparno Djasmin- Independent Commissioner: David Allen Worth- Independent Commissioner: Haryanto Sahari- Independent Commissioner: Zulkifli Zaini- Independent Commissioner: Lukita Dinarsyah Tuwo- Commissioner: Mark Spencer Greenberg- Commissioner: Ian Charles Anderson

Board of Directors: - President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Director: Bianto Surodjo- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Lea Setianti Kusumawijaya- Independent Director: Darwin Wibowo

3. Meeting Chairman Annual GMS was chaired by Mr. Suparno Djasmin as Vice

President Commissioner of the Company, based on the decision of Board of Commissioners Meeting dated 8 March 2018.

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4. Pengajuan Pertanyaan dan/atau Penyampaian Pendapat

Dalam setiap pembahasan mata acara RUPS Tahunan, semua pemegang saham telah diberi kesempatan untuk mengajukan pertanyaan dan/atau pendapat terkait dengan mata acara.

5. Pengambilan Keputusan Keputusan atas keseluruhan mata acara RUPS Tahunan

diambil berdasarkan musyawarah untuk mufakat. Namun jika musyawarah untuk mufakat tidak tercapai, maka untuk mata acara RUPS Tahunan pengambilan keputusan dilakukan dengan pemungutan suara berdasarkan suara setuju lebih dari 1/2 bagian dari jumlah seluruh suara yang telah dikeluarkan secara sah dalam Rapat.






SetujuAgree


1 Persetujuan atas Laporan Tahunan 2017 dan pengesahan atas Laporan Keuangan Konsolidasian untuk tahun buku yang berakhir pada tanggal 31 Desember 2017.

26.294.952.657 saham atau 100%

- - 1. Menyetujui Laporan Tahunan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2017, termasuk mengesahkan Laporan Tugas Pengawasan Dewan Komisaris Perseroan;

2. Mengesahkan Laporan Keuangan Konsolidasian Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2017 yang telah diaudit oleh Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan dengan pendapat “Wajar, dalam semua hal yang material” sebagaimana dinyatakan dalam laporannya tertanggal 20 Februari 2018; dan

3. Dengan disetujuinya Laporan Tahunan dan disahkannya Laporan Tugas Pengawasan Dewan Komisaris Perseroan dan Laporan Keuangan Konsolidasian Perseroan, diberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (volledig acquit et de charge) kepada segenap anggota Direksi dan anggota Dewan Komisaris Perseroan yang menjabat di tahun buku 2017 atas tindakan kepengurusan dan pengawasan yang telah mereka jalankan selama tahun buku 2017, sejauh tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Konsolidasian Perseroan tahun buku 2017, kecuali untuk perbuatan penggelapan, penipuan dan tindak pidana lainnya.

Pertanggungjawaban Laporan Tahunan posisi 31 Desember 2017 telah diterima dengan baik oleh RUPS serta Laporan Keuangan Konsolidasian posisi 31 Desember 2017 telah disahkan oleh RUPS.

4. Submission Enquiries and/or Opinion

For each item on the Annual GMS agenda, all shareholders were given the opportunity to submit their questions and/or opinions related to such agenda item.

5. Decision Making Resolutions on the agenda of Annual GMS were adopted

by deliberation to reach a consensus. In the event there was no consensus then the resolutions of Annual GMS agenda were adopted by voting with affirmative votes of more than 1/2 portion of the total number of votes legally cast in the Annual GMS.


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SetujuAgree


Approval of the Annual Report and ratification of the Consolidated Financial Statements for the financial year ended on 31 December 2017.

26,294,952,657 shares or 100%

- - 1. Approved the Company’s Annual Report for the financial year ended on 31 December 2017, including ratifying the Board of Commissioners’ Supervisory Task Report;

2. Ratified the Financial Statements of the Company for the financial year ended on 31 December 2017 which has been audited by Public Accountant Office Tanudiredja, Wibisana, Rintis & Rekan with “Fair, in all material aspects” opinion, as stated in its report dated 20 February 2018; and;

3. By approving the Annual Report and ratifying the Board of Commissioners Supervisory Report and Consolidated Financial Statement of the Company, granted the full acquittal and discharge (volledig acquite et de charge) to all members of the Board of Directors and the Board of Commissioners of the Company who served in financial year of 2017 for their management and supervisory duties exercised during the financial year of 2017, provided that such actions are reflected in the Annual Report and Financial Statements of the Company for financial year 2017, except for the fraud, embezzlement and other criminal acts.

GMS has received the Annual Report as of 31 December 2017 and has ratified the Consolidated Financial Statements as of 31 December 2017.

2 Penetapan penggunaan keuntungan bersih Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2017.

26.294.952.657 saham atau 100%

- - Menyetujui penggunaan laba bersih Perseroan selama tahun buku yang berakhir pada 31 Desember 2017 seluruhnya dibukukan sebagai laba ditahan, untuk memperkuat struktur permodalan Perseroan.

Keputusan atas mata acara kedua ini telah terealisasi.

Determination of the use of the Company’s net profit for financial year ended on 31 December 2017.

26,294,952,657 shares or 100%

- - Approved the use of all the Company’s net profit as of 31 December 2017 to be recorded as retained earnings, to strengthen the Company’s capital structure.

Resolution of second agenda has been realized.

3 Penunjukan Akuntan Publik yang akan mengauditbuku-buku Perseroan untuk tahun buku 2018, dan penetapan honorarium bagi Akuntan Publik tersebut serta persyaratan lain untuk penunjukannya.

26.196.236.257 saham atau 99,625%

98.716.400 saham atau 0,375%

- 1. Menunjuk kembali Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan, anggota jaringan firma PricewaterhouseCoopers sebagai Akuntan Publik dan Kantor Akuntan Publik yang terdaftar di OJK, untuk melakukan audit atas Laporan Keuangan Perseroan untuk tahun buku sepanjang 2018, dengan partner Bapak Drs. M. Jusuf Wibisana, M.Ec., CPA.

2. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk menetapkan besarnya honorarium profesional yang wajar sehubungan dengan penunjukan Kantor Akuntan Publik tersebut.

3. Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk menunjuk Kantor Akuntan Publik pengganti dalam hal Kantor Akuntan Publik yang telah ditunjuk tidak dapat menjalankan tugasnya sebagaimana diatur dalam peraturan perundang-undangan yang berlaku serta menetapkan besarnya honorarium profesional dan persyaratan lainnya yang wajar sehubungan dengan penunjukan Kantor Akuntan Publik tersebut dengan memperhatikan rekomendasi Komite Audit.

Perseroan telah menunjuk Kantor Akuntan Publik (KAP) Tanudiredja, Wibisana, Rintis & Rekan (PricewaterhouseCoopers) yang mengaudit Laporan Keuangan Perseroan posisi 31 Desember 2018.

Appointment of Public Accountant who will audit the Company’s Financial Statement for the financial year of 2018, and to decide fees for the Public Accountant and terms of appointment.

26,196,236,257 shares or 99.625%

98,716,400 shares or 0.375%

- 1. Reappointed the Public Accounting Office Tanudiredja, Wibisana, Rintis & Rekan, member of PricewaterhouseCoopers as Public Accountant and Public Accounting Office registered in OJK, to audit the Company’s Financial Statement of 2018 financial year, with partner Mr. Drs. M. Jusuf Wibisana, M.Ec., CPA.

2. Granted authority to the Board of Commissioners of the Company to determine reasonable professional honorarium in connection with the appointment of the Public Accounting Office.

3. Granted power and authority to the Board of Commissioners of the Company to appoint a replacement of Public Accounting Office if the appointed Public Accounting Office cannot fulfill its duties as stipulated in prevailing regulations and to determine professional fees and other reasonable requirements related with the appointment of Public Accounting Office by taking the consideration from the Audit Committee.

The Company has appointed Public Accountant Office Tanudiredja, Wibisana, Rintis & Partners (PricewaterhouseCoopers) to audit the Company’s Financial Statement as of 31 December 2018.

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4 Perubahan susunan pengurus Perseroan dan pengangkatan Dewan Pengawas Syariah Perseroan.

26.294.952.657 saham atau 100%

- - 1. Menyetujui pengunduran diri Bapak Bianto Surodjo dari jabatannya sebagai Direktur Perseroan. Pengunduran diri Bapak Bianto Surodjo berlaku efektif setelah Rapat ini ditutup, dengan catatan bahwa pelunasan dan pembebasan tanggung jawab sepenuhnya atas pelaksanaan tugasnya untuk masa jabatan dari 1 Januari 2018 sampai dengan tanggal efektif pengunduran dirinya akan dibahas dalam Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2019.

2. Menyetujui untuk memperpanjang masa jabatan Bapak David Allen Worth sebagai Komisaris Independen Perseroan sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020 atau sewaktu-waktu sebagaimana diputuskan dalam Rapat Umum Pemegang Saham sesuai dengan Anggaran Dasar Perseroan.

3. Menyetujui untuk mengangkat:a. Bapak Rahmat Waluyanto sebagai

Komisaris Independen Perseroan dan Bapak Isdar Andre Marwan sebagai Direktur Perseroan, untuk masa jabatan efektif secepatcepatnya sejak diperolehnya persetujuan dari Regulator terkait, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020, atau sewaktu-waktu sebagaimana diputuskan dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan.

b. Ibu Dhien Tjahajani sebagai Direktur Kepatuhan Perseroan, untuk masa jabatan efektif secepat-cepatnya setelah tanggal 25 Juni 2018 dan setelah diperolehnya persetujuan dari Regulator terkait, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020, atau sewaktu-waktu sebagaimana diputuskan dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan.

Pengangkatan Bapak Rahmat Waluyanto sebagai Komisaris Independen Perseroan, Bapak Isdar Andre Marwan sebagai Direktur Perseroan, dan Ibu Dhien Tjahajani sebagai Direktur Kepatuhan Perseroan tunduk pada persyaratan diperolehnya terlebih dahulu persetujuan dari Regulator terkait, dengan ketentuan apabila pengangkatan tersebut tidak memperoleh persetujuan dari Regulator terkait, maka pengangkatan tersebut menjadi batal tanpa memerlukan persetujuan Rapat Umum Pemegang Saham.

4. Menetapkan Bapak Darwin Wibowo yang saat ini menjabat sebagai Direktur Perseroan menjadi Direktur Independen Perseroan, dalam rangka pemenuhan ketentuan Surat Keputusan Direksi PT Bursa Efek Indonesia tanggal 20 Januari 2014 Nomor Kep-00001/BEI/01-2014 perihal Perubahan Peraturan I-A tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain Saham yang Diterbitkan oleh Perusahaan Tercatat, untuk masa jabatan efektif sejak ditutupnya Rapat ini, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020 atau sewaktu-waktu dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan.

Pengunduran diri Bapak Bianto Surodjo sebagai Direktur Perseroan berlaku efektif pada saat RUPS Tahunan ditutup. Pengangkatan Bapak Rahmat Waluyanto sebagai Komisaris Independen Perseroan berlaku efektif pada tanggal 11 Juli 2018. Pengangkatan Ibu Dhien Tjahajani sebagai Direktur Kepatuhan Perseroan berlaku efektif pada tanggal 4 September 2018.


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SetujuAgree


5. Menyetujui untuk mengangkat kembali Bapak H. Muhamad Faiz, MA sebagai Ketua Dewan Pengawas Syariah Perseroan dan Bapak Prof. Dr. H. Jaih, SE., MH., M.Ag sebagai anggota Dewan Pengawas Syariah Perseroan, untuk masa jabatan efektif sejak ditutupnya Rapat ini, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020 atau sewaktu-waktu dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan.

Dengan demikian, susunan selengkapnya anggota Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah Perseroan menjadi sebagai berikut:

DEWAN KOMISARIS- Komisaris Utama: Sebastian Ramon Arcuri- Wakil Komisaris Utama: Suparno Djasmin- Komisaris Independen: David Allen Worth- Komisaris Independen: Haryanto Sahari- Komisaris Independen: Zulkifli Zaini- Komisaris Independen: Rahmat Waluyanto- Komisaris: Mark Spencer Greenberg- Komisaris: Ian Charles Anderson

DIREKSI- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur Kepatuhan: Dhien Tjahajani- Direktur Independen: Darwin Wibowo- Direktur: Lea Setianti Kusumawijaya- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Isdar Andre Marwan

DEWAN PENGAWAS SYARIAH- Ketua: H. Muhamad Faiz, MA.- Anggota: Prof. Dr. H. Jaih, SE., MH., M.Ag

1. Pengangkatan Bapak Rahmat Waluyanto sebagai Komisaris Independen Perseroan dan Bapak Isdar Andre Marwan sebagai Direktur Perseroan efektif secepat-cepatnya sejak diperolehnya persetujuan dari Regulator terkait.

2. Pengangkatan Ibu Dhien Tjahajani sebagai Direktur Kepatuhan Perseroan efektif secepat-cepatnya setelah tanggal 25 Juni 2018 dan setelah diperolehnya persetujuan dari Regulator terkait.

6. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan kembali keputusan Rapat berkenaan dengan pengangkatan Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah Perseroan dalam akta notaris dan selanjutnya menyampaikan pemberitahuan susunan Dewan Komisaris dan Direksi Perseroan tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan mendaftarkannya pada Daftar Perseroan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan-perundangan yang berlaku.

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SetujuAgree


Changes of the Management of the Company and appointment of the Shariah Supervisory Board of the Company.

26,294,952,657 shares or 100%

- - 1. Approved the resignation of Mr. Bianto Surodjo as Director of the Company. The resignation of Mr. Bianto Surodjo shall be effective as of the closing of this Meeting, with note that release and discharge on his duties and responsibilities during his tenure from 1 January 2018 until his resignation takes effect, will be discussed in the Annual General Meeting of Shareholders of the Company in 2019.

2. Extended terms of office of Mr. David Allen Worth as the Independent Commissioner of the Company until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020 or at any time as decided in the General Meeting of Shareholders in accordance with the Articles of Association of the Company.

3. Approved the appointment of:a. Mr. Rahmat Waluyanto as the Independent

Commissioner of the Company and Mr. Isdar Andre Marwan as the Director of the Company for terms of office as soon as the approvals from related Regulators are obtained, until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020, or at any time as decided in the General Meeting of Shareholders in accordance with the Articles of Association of the Company.

b. Mrs. Dhien Tjahajani as Compliance Director of the Company, for terms of office effective after 25 June 2018 and after the approval from related Regulators is obtained, until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020, or at any time as decided in the General Meeting of Shareholders in accordance with the Articles of Association of the Company.

The appointments of Mr. Rahmat Waluyanto as Independent Commissioner of the Company, Mr. Isdar Andre Marwan as Director of the Company, and Mrs. Dhien Tjahajani as Compliance Director of the Company are subjected to requirements of prior approval from relevant Regulator; provided that if such appointments do not obtain the approval from relevant Regulator, such appointments become void without the need for approval from General Meeting of Shareholders.

4. Appointed Mr. Darwin Wibowo who currently serves as Director of the Company to become Independent Director of the Company, in order to comply with the PT Bursa Efek Indonesia Decision Letter dated 20 January 2014 Number Kep- 00001/BEI/01-2014 regarding the Amendment of I-A Regulation on Listing of Shares and Equity Type Securities Issued by Listing Companies, effective since the closing of this Meeting, until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020 or at any time as decided in the General Meeting of Shareholders in accordance with the Articles of Association of the Company.


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5. Approved the reappointment of Mr. H. Muhamad Faiz, MA as the Chairman of the Shariah Supervisory Board of the Company and Mr. Prof. Dr. H. Jaih, SE., MH., M.Ag as member of the Shariah Supervisory Board of the Company, effective from the closing of this Meeting until the closing of the Annual General Meeting of Shareholders of the Company which will be held in 2020 or as decided at any time in General Meeting Shareholders in accordance with the Articles of Association of the Company.

Therefore, the complete members of the Board of Commissioners, Board of Directors, and Shariah Supervisory Board of the Company as follows:

BOARD OF COMMISSIONERS:- President Commissioner: Sebastian Ramon Arcuri- Vice President Commissioner: Suparno Djasmin- Independent Commissioner: David Allen Worth- Independent Commissioner: Haryanto Sahari- Independent Commissioner: Zulkifli Zaini- Independent Commissioner: Rahmat Waluyanto- Commissioner: Mark Spencer Greenberg- Commissioner: Ian Charles Anderson

BOARD OF DIRECTORS:- President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Compliance Director: Dhien Tjahajani- Independent Director: Darwin Wibowo- Director: Lea Setianti Kusumawijaya- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Isdar Andre Marwan

Shariah SUPERVISORY BOARD:- Chairman: H. Muhamad Faiz, MA.- Member: Prof. Dr. H. Jaih, SE., MH., M.Ag

With terms as follows:1. Appointment of Mr. Rahmat Waluyanto

as Independent Commissioner of the Company and Mr. Isdar Andre Marwan as Director of the Company shall be effective as soon as the approvals from related Regulator are received.

2. Appointment Mrs. Dhien Tjahajani as Compliance Director of the Company shall be effective after 25 June 2018 and after approval from related Regulator is received.

6. Authorized the Board of Directors of the Company with substitution right to restate the resolution of the Meeting regarding the appointment of Board of Commissioners, Board of Directors, and Shariah Supervisory Board of the Company in notarial deed and as well as to notify composition of the Board of Commissioners and Board of Directors of the Company to the Minister of Law and Human Rights of the Republic of Indonesia, and register it with the Company Register, and to do all required actions in compliance with the prevailing regulations.

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SetujuAgree


5 Penetapan besar dan jenis remunerasi sertafasilitas lain yang diberikan Perseroan kepada anggota Dewan Komisaris, anggota Direksi, dan Dewan Pengawas Syariah.

26.294.952.657 saham atau 100%

- - 1. Dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan, menetapkan besarnya remunerasi serta fasilitas lain bagi seluruh anggota Dewan Komisaris Perseroan untuk tahun buku 2018 sebesar-besarnya Rp16.206.750.000 (enam belas miliar dua ratus enam juta tujuh ratus lima puluh ribu Rupiah) per tahun. Besarnya remunerasi serta fasilitas lain tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2018.

2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan rincian pembagian jumlah remunerasi serta fasilitas lain yang akan diberikan di antara masing-masing anggota Dewan Komisaris yang bersangkutan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan.

3. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan besarnya remunerasi serta fasilitas lain bagi setiap anggota Direksi Perseroan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan dan besarnya remunerasi serta fasilitas lain tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2018.

4. Dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan, menetapkan besarnya honorarium dan/atau tunjangan bagi seluruh anggota Dewan Pengawas Syariah Perseroan untuk tahun buku 2018 sebesar Rp723.074.625 (tujuh ratus dua puluh tiga juta tujuh puluh empat ribu enam ratus dua puluh lima Rupiah) per tahun. Besarnya honorarium dan/atau tunjangan tersebut wajib dicantumkan dalam Laporan Tahunan Perseroan tahun 2018.

5. Memberikan kuasa kepada Dewan Pengawas Syariah untuk menetapkan pembagian jumlah honorarium dan/atau tunjangan yang akan diberikan di antara masing-masing anggota Dewan Pengawas Syariah yang bersangkutan dengan memperhatikan saran/pendapat yang diberikan oleh Komite Remunerasi dan Nominasi Perseroan.

Besarnya remunerasi dan fasilitas lain yang diterima oleh anggota Dewan Komisaris dan Direksi selama tahun 2018 sebagaimana dilaporkan dalam Laporan Tahunan 2018 pada halaman 552.


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Determination of the amount and type of remuneration and other facilities granted by the Company to the Board of Commissioners, the Board of Directors and Shariah Supervisory Board.

26,294,952,657 shares or 100%

- - 1. With due reference to the proposal/opinion of the Remuneration and Nomination Committee, it was determined that the amount of remuneration and other facilities for the members of the Board of Commissioners of the Company for year 2018 shall be maximum of Rp16,206,750,000 (sixteen billion two hundred and six million seven hundred and fifty thousand Rupiah) per year. The said amount of remuneration and other facilities must be stated in the 2018 Annual Report of the Company.

2. Authorized the Board of Commissioners to determine details of the distribution of the amount of remuneration and other facilities which will be granted to each member of the Board of Commissioners, with due reference of the proposal/opinion by the Remuneration and Nomination Committee of the Company.

3. Authorized the Board of Commissioners to determine the distribution of the amount of remuneration and other facilities which will be granted to each member of the Board of Directors, with due observance of the proposal/ opinion by the Remuneration and Nomination Committee of the Company and the said amount of remuneration and other facilities must be stated in the 2018 Annual Report of the Company.

4. With due reference of the proposal/opinion by the Remuneration and Nomination Committee, to determine the amount of honorarium and/or facilities to all members of the Board of Shariah Supervisory for year 2018 shall be Rp723,074,625 (seven hundred twenty three million seventy four million six hundred and twenty five Rupiah) per year. The said amount of honorarium and/or facilities must be stated in the 2018 Annual Report of the Company.

5. Authorized the Shariah Supervisory Board to determine the distribution of the amount of honorarium and/or facilities which will be granted to each member of the Shariah Supervisory Board, with due observance of the proposal/ opinion by the Remuneration and Nomination Committee.

Total remuneration and other facilities received by members of Board of Commissioners and Board of Directors in 2018 is reported in the 2018 Annual Report on page 552.

6 Persetujuan Rencana Aksi Perseroan.

26.294.952.657 saham atau 100%

- - Menyetujui Rencana Aksi Perseroan serta memberikan kuasa dan wewenang kepada Direksi Perseroan untuk melaksanakan Rencana Aksi Perseroan sesuai dengan ketentuan Peraturan OJK Nomor 14/POJK.03/2017 tentang Rencana Aksi (Recovery Plan) Bagi Bank Sistemik serta ketentuan hukum dan peraturan yang berlaku.

Mata acara keenam ini telah terealisasi dengan baik.

Approval of the Company’s Action Plan.

26,294,952,657 shares or 100%

- - Approved the Company’s Recovery Plan and also granted power and authority to the Board of Directors of the Company to implement the Company’s Recovery Plan in accordance with OJK Regulation Number 14/POJK.03/2017 regarding Recovery Plan for Systemic Bank and other prevailing regulations.

Sixth agenda has been realized.

7 Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.

- - - Pada Mata Acara ketujuh RUPST, disampaikan laporan kepada pemegang saham tentang realisasi penggunaan dana hasil Penawaran Umum Terbatas Dengan Penerbitan Hak Memesan Efek Terlebih Dahulu PUT VIII (PUT VIII) yang telah selesai dilaksanakan oleh Perseroan pada bulan Juni 2017. Dikarenakan mata acara ketujuh hanya bersifat laporan kepada pemegang saham, dengan demikian tidak perlu dilakukan proses pengambilan keputusan.

Keseluruhan dana yang berasal dari PUT VIII telah direalisasikan dan dilaporkan kepada RUPS.

Accountability on Realization of Use of Funds from Public Offering.

- - - In seventh agenda discussion, it was reported to the shareholders regarding the use of funds on realization of Rights Issue VIII which has been completed in June 2017. Since the seventh agenda item was only reporting to the shareholders, there was no process of deliberation.

All funds from PUT VIII has been realized and reported to GMS.

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B. RUPS Luar Biasa

RUPS Luar Biasa 27 Maret 2018 RUPS Luar Biasa diadakan pada hari Selasa, 27 Maret 2018

bertempat di Nusantara Room, WTC II, Lantai 21, Jl. Jend. Sudirman Kav 29-31, Jakarta.

1. Pemberitahuan Pelaksanaan RUPS Pemberitahuan RUPS Luar Biasa diumumkan di harian

Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 15 Februari 2018. Pemanggilan RUPS Luar Biasa diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 5 Maret 2018. Sedangkan untuk hasil RUPS Luar Biasa diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 28 Maret 2018.

2. Peserta RUPS RUPS Luar Biasa dihadiri atau diwakili oleh pemegang/

pemilik 26.285.323.164 saham atau merupakan 93,733% dari jumlah seluruh saham yang mempunyai hak suara yang sah yang telah dikeluarkan PermataBank sampai dengan hari diadakannya RUPS Luar Biasa, yaitu sejumlah 28.042.739.205, dengan memperhatikan Daftar Pemegang Saham PermataBank per tanggal 2 Maret 2018 sampai dengan pukul 16:15 Waktu Indonesia Barat.

RUPS Luar Biasa dihadiri oleh anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut:

Dewan Komisaris:- Komisaris Utama: Sebastian Ramon Arcuri- Wakil Komisaris Utama: Suparno Djasmin- Komisaris Independen: Haryanto Sahari- Komisaris Independen: Zulkifli Zaini- Komisaris: Mark Spencer Greenberg- Komisaris: Ian Charles Anderson

B. Extraordinary GMS

Extraordinary GMS 27 March 2018 Annual GMS was held on Tuesday, 24 April 2018 at Nusantara

Room, WTC II, 21st Floor, Jl. Jend. Sudirman Kav. 29-31, Jakarta.

1. Notification of GMS Notification of Extraordinary GMS was announced in the

newspaper Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 15 February 2018. Invitation to Extraordinary GMS was published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 5 March 2018. Resolutions of Extraordinary GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 28 March 2018.

2. GMS Attendees Extraordinary GMS was attended or represented by

shareholders of 26.285.323.164 shares or 93.733% from total shares with legal voting rights issued by the Company until the Extraordinary GMS totaling 28,042,739,205 shares, referring to Shareholders List as of 2 March 2018 until 16:15 WIB.

Extraordinary GMS was attended by members of Board of Directors and members of Board of Commissioners of the Company as follows:

Board of Commissioners:- President Commissioner: Sebastian Ramon Arcuri- Vice President Commissioner: Suparno Djasmin- Independent Commissioner: Haryanto Sahari- Independent Commissioner: Zulkifli Zaini- Commissioner: Mark Spencer Greenberg- Commissioner: Ian Charles Anderson


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62


Direksi:- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur Kepatuhan: Mirah Wiryoatmodjo- Direktur: Bianto Surodjo- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Lea Setianti Kusumawijaya- Direktur: Indri Koesindrijastoeti Hidayat

3. Pimpinan Rapat RUPS Luar Biasa dipimpin oleh Bapak Suparno Djasmin

selaku Wakil Komisaris Utama Perseroan, berdasarkan Keputusan Rapat Dewan Komisaris tertanggal 7 Februari 2018.


Dalam setiap pembahasan mata acara RUPS Luar Biasa, para pemegang saham telah diberikan kesempatan untuk menyampaikan pandangannya dan/atau pertanyaan terkait dengan usulan mata acara yang dibahas dalam RUPS Luar Biasa.

5. Pengambilan Keputusan Keputusan atas keseluruhan mata acara RUPS Luar Biasa

diambil berdasarkan musyawarah untuk mufakat. Namun jika musyawarah untuk mufakat tidak tercapai, maka untuk mata acara RUPS Luar Biasa pengambilan keputusan dilakukan dengan pemungutan suara berdasarkan suara setuju lebih dari 1/2 bagian dari jumlah seluruh suara yang telah dikeluarkan secara sah dalam Rapat.

Board of Directors: - President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Compliance Director: Mirah Wiryoatmodjo- Director: Bianto Surodjo- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Lea Setianti Kusumawijaya- Director: Indri Koesindrijastoeti Hidayat

3. Meeting Chairman Extraordinary GMS was chaired by Mr. Suparno Djasmin

as Vice President Commissioner of the Company, based on Decision of Board of Commissioners Meeting dated 7 February 2018.


For each discussion of Extraordinary GMS agenda, all shareholders were given the opportunity to submit their questions and/or opinions related with such agenda items.

5. Decision Making Resolutions for all agenda items of Extraordinary GMS

were adopted by deliberation to reach a consensus. In the event, deliberation to reach consensus was not reached then the resolutions of Extraordinary GMS agenda shall be adopted by voting with affirmative votes of more than 1/2 portion of the total number of votes legally cast in the Extraordinary GMS.

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SetujuAgree


1 Perubahan Susunan Pengurus Perseroan.

26.285.323.164saham atau 100%

- - 1. Menyetujui pengunduran diri Ibu Mirah Wiryoatmodjo dari jabatannya sebagai Direktur Kepatuhan merangkap Direktur Independen Perseroan. Pengunduran diri Ibu Mirah Wiryoatmojo berlaku efektif setelah Rapat ini ditutup, dengan catatan bahwa pelunasan dan pembebasan tanggung jawab sepenuhnya atas pelaksanaan tugasnya untuk masa jabatan dari 1 Januari 2018 sampai dengan tanggal efektif pengunduran dirinya akan dibahas dalam Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2019.

Pengunduran diri ibu Mirah Wiryoatmodjo telah diterima dengan oleh RUPS dan berlaku efektif sejak ditutupnya RUPS Luar Biasa pada tanggal 27 Maret 2018.

Dengan demikian, susunan anggota Direksi Perseroan terhitung sejak ditutupnya Rapat ini adalah sebagai berikut:- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur: Lea Setianti Kusumawijaya- Direktur: Indri Koesindrijastoeti H.- Direktur: Bianto Surodjo- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Darwin Wibowo

2. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan kembali keputusan Rapat berkenaan dengan perubahan susunan Direksi Perseroan dalam akta Notaris dan selanjutnya menyampaikan pemberitahuan perubahan susunan Direksi Perseroan tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan mendaftarkannya pada Daftar Perseroan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan-perundangan yang berlaku.

Changes in the Management of the Company.

26,285,323,164shares or 100%

- - 1. Approved the resignation of Mrs. Mirah Wiryoatmodjo from her position as the Compliance Director (Independent Director) of the Company. The resignation Mrs. Mirah Wiryoatmodjo as the Company Compliance Director (Independent Director) will be effective after the Meeting is closed, with note that release and discharge on her duties and responsibilities during her tenure from 1 January 2018 until her resignation taking effective will be discussed in Annual General Meeting of Shareholders of the Company in 2019.

Resignation of Mrs. Mirah Wiryoatmodjo has been received by GMS and is effective as of the closing of Extraordinary General Meeting of Shareholders on 27 March 2018.

Thus, members of the Board of Directors of the Company since the closing of the Meeting as follows:- President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Director: Lea Setianti Kusumawijaya- Director: Indri Koesindrijastoeti H.- Director: Bianto Surodjo- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Darwin Wibowo

2. Authorized the Board of Directors of the Company with the substitution right, to restate the resolution of the Meeting regarding changes in the members of the Board of Directors of the Company in a notary deed as well as to notify the changes to the Minister of Law and Human Rights of the Republic of Indonesia, and register it with the Company Register, and to do all required actions in compliance with the prevailing regulations.


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64


RUPS Luar Biasa 25 September 2018 RUPS Luar Biasa diadakan pada hari Selasa, 25 September

2018 bertempat di Nusantara Room, WTC II, Lantai 21, Jl. Jend. Sudirman Kav 29-31, Jakarta.

1. Pemberitahuan Pelaksanaan RUPS Pemberitahuan RUPS Luar Biasa diumumkan di harian

Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 16 Agustus 2018. Pemanggilan RUPS Luar Biasa diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 3 September 2018. Sedangkan untuk hasil RUPS Luar Biasa diumumkan di harian Bisnis Indonesia, situs web Bursa Efek Indonesia, dan situs web Perseroan pada tanggal 26 September 2018.

2. Peserta RUPS RUPS Luar Biasa dihadiri atau diwakili oleh pemegang/

pemilik 25.858.486.381 saham atau merupakan 92,211% dari jumlah seluruh saham yang mempunyai hak suara yang sah yang telah dikeluarkan PermataBank sampai dengan hari diadakannya RUPS Luar Biasa, yaitu sejumlah 28.042.739.205, dengan memperhatikan Daftar Pemegang Saham PermataBank per tanggal 31 Agustus 2018 sampai dengan pukul 16:15 Waktu Indonesia Barat.

RUPS Luar Biasa dihadiri oleh anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut:

Dewan Komisaris:- Komisaris Utama: Sebastian Ramon Arcuri- Wakil Komisaris Utama: Suparno Djasmin- Komisaris Independen: David Allen Worth- Komisaris Independen: Haryanto Sahari- Komisaris Independen: Zulkifli Zaini- Komisaris Independen: Rahmat Waluyanto- Komisaris: Ian Charles Anderson

Extraordinary GMS 25 September 2018 Extraordinary GMS was held on Tuesday, 25 September 2018

at Nusantara Room, WTC II, 21st Floor, Jl. Jend. Sudirman Kav. 29-31, Jakarta 12920.

1. Notification of GMS Notification of Extraordinary GMS was announced in the

newspaper Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 16 August 2018. Invitation of Extraordinary GMS was published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 3 September 2018. Resolutions of Extraordinary GMS were published in Bisnis Indonesia, Indonesia Stock Exchange website, and the Company’s website on 26 September 2018.

2. GMS Attendees Extraordinary GMS was attended or represented by

shareholders of 25,858,486,381 shares or 92.211% of total shares with legal voting rights issued by the Company until the Extraordinary GMS totaling 28,042,739,205 shares, referring to Shareholders List as of 31 August 2018 until 16:15 WIB.

Extraordinary GMS was attended by members of Board of Directors and members of Board of Commissioners of the Company as follows:

Board of Commissioners:- President Commissioner: Sebastian Ramon Arcuri- Vice President Commissioner: Suparno Djasmin- Independent Commissioner: David Allen Worth- Independent Commissioner: Haryanto Sahari- Independent Commissioner: Zulkifli Zaini- Independent Commissioner: Rahmat Waluyanto- Commissioner: Ian Charles Anderson

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Direksi:- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur Kepatuhan: Dhien Tjahajani- Direktur: Abdy Dharma Salimin- Direktur: Lea Setianti Kusumawijaya- Direktur Independen: Darwin Wibowo

3. Pimpinan Rapat RUPS Luar Biasa dipimpin oleh Bapak Suparno Djasmin

selaku Wakil Komisaris Utama Perseroan, berdasarkan Keputusan Rapat Dewan Komisaris tertanggal 7 Agustus 2018.


Dalam setiap pembahasan mata acara RUPS Luar Biasa, para pemegang saham telah diberikan kesempatan untuk menyampaikan pandangannya dan/atau pertanyaan terkait dengan usulan mata acara yang dibahas dalam RUPS Luar Biasa.

5. Pengambilan Keputusan Keputusan atas keseluruhan mata acara RUPS Luar Biasa

diambil berdasarkan musyawarah untuk mufakat. Namun jika musyawarah untuk mufakat tidak tercapai, maka untuk mata acara RUPS Luar Biasa pengambilan keputusan dilakukan dengan pemungutan suara berdasarkan suara setuju lebih dari 1/2 bagian dari jumlah seluruh suara yang telah dikeluarkan secara sah dalam Rapat.

Board of Directors: - President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Compliance Director: Dhien Tjahajani- Director: Abdy Dharma Salimin- Director: Lea Setianti Kusumawijaya- Independent Director: Darwin Wibowo

3. Meeting Chairman Extraordinary GMS was chaired by Mr. Suparno Djasmin

as Vice President Commissioner of the Company, based on Decision of Board of Commissioners Meeting dated 7 August 2018.


On each discussion item of Extraordinary GMS agenda, all shareholders were given the opportunity to submit their questions and/or opinions related with such agenda item.

5. Decision Making Resolutions on all agenda items of Extraordinary GMS

were adopted by deliberation to reach a consensus. In the event, deliberation to reach consensus is not reached then the resolutions of Extraordinary GMS agenda shall be adopted by voting with affirmative votes of more than 1/2 portion of the total number of votes legally cast in the Extraordinary GMS.


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66







SetujuAgree


1 Perubahan Susunan Pengurus Perseroan.

25.858.486.381saham atau 100%

- 77.392.822saham atau 0,299%

1. Mengangkat Ibu Djumariah Tenteram sebagai Direktur Perseroan yang baru untuk masa jabatan efektif secepat-cepatnya sejak diperolehnya persetujuan dari Regulator terkait, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020 atau sewaktu-waktu dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan serta ketentuan peraturan-perundangan yang berlaku.

2. Mengangkat Bapak Herwin Bustaman sebagai Direktur Unit Usaha Syariah Perseroan yang baru untuk masa jabatan efektif secepat-cepatnya sejak diperolehnya persetujuan dari Regulator terkait, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang akan dilaksanakan dalam tahun 2020, atau sewaktu-waktu sebagaimana diputuskan dalam Rapat Umum Pemegang Saham sesuai dengan ketentuan Anggaran Dasar Perseroan serta ketentuan peraturan-perundangan yang berlaku.

3. Membatalkan pengangkatan Bapak Isdar Andre Marwan sebagai Direktur Perseroan yang telah diputuskan dalam Rapat Umum Pemegang Saham Tahunan Perseroan tanggal 24 April 2018. Adapun keputusan lainnya yang diputuskan dalam Rapat Umum Pemegang Saham Tahunan Perseroan tanggal 24 April 2018 tersebut tetap berlaku.

Pengangkatan Ibu Djumariah Tenteram sebagai Direktur Perseroan berlaku efektif pada tanggal 16 Januari 2019.

Pengangkatan Bapak Herwin Bustaman berlaku efektif pada tanggal 7 Januari 2019.

Dengan demikian, susunan anggota Direksi Perseroan terhitung sejak ditutupnya Rapat ini adalah sebagai berikut:- Direktur Utama: Ridha DM Wirakusumah- Wakil Direktur Utama: Julian Loong Choon Fong- Direktur Kepatuhan: Dhien Tjahajani- Direktur: Darwin Wibowo- Direktur: Lea Setianti Kusumawijaya- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Djumariah Tenteram- Direktur Unit Usaha Syariah: Herwin Bustaman

Dengan ketentuan bahwa pengangkatan Ibu Djumariah Tenteram dan Bapak Herwin Bustaman akan berlaku efektif secepat-cepatnya sejak diperolehnya persetujuan dari Regulator terkait.

Selanjutnya, susunan anggota Direksi Perseroan terhitung sejak tanggal 1 Oktober 2018 adalah sebagai berikut:- Direktur Utama: Ridha DM Wirakusumah- Direktur Kepatuhan: Dhien Tjahajani- Direktur: Darwin Wibowo- Direktur: Lea Setianti Kusumawijaya- Direktur: Abdy Dharma Salimin- Direktur: Loh Tee Boon- Direktur: Djumariah Tenteram- Direktur Unit Usaha Syariah: Herwin Bustaman

Dengan ketentuan bahwa pengangkatan Ibu Djumariah Tenteram dan Bapak Herwin Bustaman akan berlaku efektif secepat-cepatnya sejak diperolehnya persetujuan dari Regulator terkait.

4. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan kembali keputusan Rapat berkenaan dengan perubahan susunan Direksi Perseroan dalam akta Notaris dan selanjutnya menyampaikan pemberitahuan perubahan susunan Direksi Perseroan tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, dan mendaftarkannya pada Daftar Perseroan serta melakukan segala tindakan yang diperlukan sesuai dengan peraturan-perundangan yang berlaku.

67Main Highlights






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SetujuAgree


Changes In The Management Of The Company.

25,858,486,381 shares or 100%

- 77,392,822shares or 0.299%

1. Appointed Mrs. Djumariah Tenteram as the new Director of the Company for terms of office effective as soon as the approval from related regulators is received, until the closing of Annual General Meeting of Shareholders of the Company which will be held in 2020 or at any time in the General Meeting of Shareholders in accordance with the Articles of Association of the Company and prevailing regulations.

2. Appointed Mr. Herwin Bustaman as Shariah Business Unit Director of the Company for terms of office effective as soon as the approval from related regulators is received, until the closing of Annual General Meeting of Shareholders of the Company which will be held in 2020 or at any time in the General Meeting of Shareholders in accordance with the Articles of Association of the Company and prevailing regulations.

3. Cancelled the appointment of Mr. Isdar Andre Marwan as Director of the Company which has been decided in the Annual General Meeting of Shareholders of the Company on 24 April 2018. Other decisions in the Annual General Meeting of Shareholders of the Company on 24 April 2018 are still valid.

Appointment of Mrs. Djumariah Tenteram as Director of the Company is effective on 16 January 2019.

Appointment of Mr. Herwin Bustaman as Shariah Business Unit Director is effective on 7 January 2019.

Thus, members of the Board of Directors of the Company since the closing of the Meeting as follows:- President Director: Ridha DM Wirakusumah- Vice President Director: Julian Loong Choon Fong- Compliance Director: Dhien Tjahajani- Independent Director: Darwin Wibowo- Director: Lea Setianti Kusumawijaya- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Djumariah Tenteram- Shariah Business Unit Director: Herwin Bustaman

The appointment of Mrs. Djumariah Tenteram and Mr. Herwin Bustaman shall be effective as soon as the approvals from related Regulator are received.

Furthermore, the composition of the Board of Directors of the Company as of 1 October 2018 as follows:- President Director: Ridha DM Wirakusumah- Compliance Director: Dhien Tjahajani- Independent Director: Darwin Wibowo- Director: Lea Setianti Kusumawijaya- Director: Abdy Dharma Salimin- Director: Loh Tee Boon- Director: Djumariah Tenteram- Shariah Business Unit Director: Herwin Bustaman

The appointment of Mrs. Djumariah Tenteram and Mr. Herwin Bustaman shall be effective as soon as the approvals from related Regulator are received.

4. Authorized the Board of Directors of the Company with the substitution right to restate the resolution of the Meeting regarding changes in the members of the Board of Directors of the Company in a notary deed as well as to notify the changes to the Minister of Law and Human Rights of the Republic of Indonesia, and register it with the Company Register, and to do all required actions in compliance with the prevailing regulations.


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68


DATA PEMEGANG SAHAM UTAMA DAN PENGENDALI, LANGSUNG MAUPUN TIDAK LANGSUNG HINGGA PEMILIK INDIVIDUper tanggal 31 Desember 2019as of 31 December 2019

Lain-lainOthers

Lain-lainOthers

Lain-lainOthers

Lain-lainOthers





41,77%

15,09%

84,91% 58,23%

75,00%

50,11%

44,56% 44,56%

100%

100%

10,88%

25,00%

49,89%

Jardine Matheson Holdings Limited(Bermuda)



Jardine Strategic Holdings Limited(Bermuda)



Jardine Cycle & Carriage Limited(Singapore)

(Public Company listed in Singapore)

PT Astra International Tbk

Standard Chartered PLC

Standard Chartered Bank

Standard Chartered Holdings Limited

Masyarakat(Public)

99,998%

PT Bank Permata Tbk


No Nama Pemegang Saham | Shareholders Name Jumlah Kepemilikan | Total Ownership Persentase Kepemilikan (%) | Percentage (%)

Pemegang Saham dengan Kepemilikan Saham 5% atau Lebih | Above 5% Shareholding

1 PT Astra International Tbk 12.495.714.666 44,56

2 Standard Chartered Bank 12.495.714.666 44,56

MAIN AND CONTROLLING SHAREHOLDERS, DIRECT AND INDIRECT TO INDIVIDUAL OWNERS

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DEWAN KOMISARISDewan Komisaris PermataBank merupakan salah satu organ perusahaan dengan tugas utama yaitu mengawasi jalannya pengelolaan PermataBank serta memberikan nasihat kepada Direksi dalam menjalankan perusahaan untuk memastikan arah pengelolaan PermataBank telah sesuai dengan tujuan yang ditetapkan. Dalam pelaksanaan tugasnya, Dewan Komisaris juga dibantu oleh komite-komite.

Dasar Hukum Anggota Dewan Komisaris diangkat atau diberhentikan oleh RUPS dengan memperhatikan ketentuan Undang-Undang Nomor 40 tahun 2007 (UUPT), Peraturan OJK Nomor 33/ POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik (POJK No. 33/2014), dan Anggaran Dasar PermataBank.

Dalam hal anggota Dewan Komisaris mengundurkan diri maka pengunduran diri tersebut wajib diputuskan oleh RUPS dengan memperhatikan ketentuan UUPT, POJK No. 33/2014, dan Anggaran Dasar.

Prosedur Pengangkatan Anggota Dewan KomisarisPermataBank memiliki Komite Remunerasi dan Nominasi yang dibentuk dengan tujuan membantu Dewan Komisaris dalam pelaksanaan tugasnya melalui nominasi dan merekomendasikan remunerasi untuk Dewan Komisaris.

Prosedur pengangkatan anggota Dewan Komisaris sebagai berikut: 1. Komite Remunerasi dan Nominasi memberikan rekomendasi

kandidat calon anggota Dewan Komisaris.

2. Komite Remunerasi dan Nominasi selanjutnya menominasikan calon anggota Dewan Komisaris kepada Dewan Komisaris untuk disampaikan kepada RUPS untuk selanjutnya diangkat sebagai anggota Dewan Komisaris.

3. Sebelum efektif menjadi anggota Dewan Komisaris dan dapat menjalankan tugasnya, calon anggota Dewan Komisaris tersebut wajib melalui proses uji penilaian kemampuan dan kepatutan (fit and proper test) oleh OJK.

BOARD OF COMMISSIONERSPermataBank’s Board of Commissioners is one of the company’s organ collectively tasked with the supervision functions of the management of PermataBank and has the authority to provide advice to the Board of Directors, ensuring that the direction of PermataBank’s management is in line with the established goals. In its implementation, the Board of Commissioners is assisted by the committees.

Legal Basis Members of the Board of Commissioners are appointed or dismissed by the GMS by observing provisions of Law Number 40 year 2007 (Company Law), OJK Regulation Number 33/ POJK.04/2014 regarding Board of Directors and Board of Commissioners of Issuers or Public Company (POJK No. 33/2014), and Articles of Association of PermataBank.

In the event a member of the Board of Commissioners is resigned then the resignation must be resolved by the GMS by observing provisions of Company Law, POJK No. 33/2014, and Articles of Association.

The Procedures of Appointment of Member of the Board of CommissionersPermataBank has Remuneration and Nomination Committee which was established to assist the Board of Commissioners in performing their duties through nomination and to recommend remuneration for the Board of Commissioners.

The appointment procedures of members of the Board of Commissioners as follows:1. Remuneration and Nomination Committee provided

recommendation of candidate member of the Board of Commissioners.

2. Furthermore, Remuneration and Nomination Committee provided the candidate member of the Board of Commissioners to be appointed by the GMS.

3. Before effective as member of the Board of Commissioners and performs his/her duties, the candidate member of the Board of Commissioners must follow fit and proper test by OJK.


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Penunjukan, Kriteria dan Komposisi Kriteria Dewan KomisarisAnggota Dewan Komisaris PermataBank wajib memenuhi ketentuan-ketentuan sebagaimana yang diatur dalam peraturan perundang-undangan yang berlaku, di antaranya: 1. Pemenuhan persyaratan integritas bagi calon anggota Dewan

Komisaris. 2. Pemenuhan persyaratan reputasi keuangan bagi

calon anggota Dewan Komisaris.3. Pemenuhan persyaratan kompetensi bagi calon anggota

Dewan Komisaris.

Selain memenuhi persyaratan integritas, reputasi keuangan, dan kompetensi tersebut di atas, calon anggota Dewan Komisaris juga harus memenuhi persyaratan kepengurusan/ pengelolaan bank dan ketentuan terkait pasar modal sebagaimana diatur dalam ketentuan peraturan perundang-undangan yang berlaku, di antaranya:1. Tidak pernah menjadi anggota Direksi atau Dewan Komisaris

yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit dalam waktu 5 (lima) tahun sebelum pengangkatannya.

2. Tidak pernah dihukum karena melakukan tindak pidana di bidang keuangan yang merugikan keuangan negara dalam waktu 5 (lima) tahun sebelum pengangkatannya.

3. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:i. Pernah tidak menyelenggarakan RUPS tahunan. ii. Pertanggungjawabannya sebagai anggota Direksi

dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/ atau anggota Dewan Komisaris kepada RUPS.

iii. Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan, atau pendaftaran dari Otoritas Jasa Keuangan tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.

4. Dilarang saling memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Dewan Komisaris dan/atau anggota Direksi.

5. Memperoleh persetujuan Otoritas Jasa Keuangan (Lulus Fit and Proper Test). Anggota Dewan Komisaris yang belum memperoleh persetujuan dari OJK tidak dapat membuat keputusan yang secara hukum mengikat dan mempengaruhi kondisi keuangan PermataBank.

Appointment, Criteria and Composition Board of CommissionersMembers of PermataBank’s Board of Commissioners shall meet the following criteria as stipulated in prevailing laws and regulations: 1. Fulfillment of integrity requirements to be a member of the

Board of Commissioners. 2. Financial reputation of the candidate member of the Board of

Commissioners. 3. Competency requirements of the candidate member of the

Board of Commissioners.

In addition to fulfill the requirements of integrity, financial reputation, and competencies as mentioned above, the candidate member of the Board of Commissioners must also fulfill the requirements related to management of bank and provisions related to capital market as regulated in the prevailing regulations, including: 1. Never been a member of Board of Directors or Board of

Commissioners who is responsible for the bankruptcy in other company within 5 (five) years prior to their nomination.

2. Never been convicted of a criminal action in the finance area or causing a loss to the state within 5 (five) years prior to their nomination.

3. Never been a member of Board of Directors and/or member of Board of Commissioners who during his/her tenure:i. Once not convening an Annual GMS.ii. His/her accountability as member of the Board of

Directors and/or member of the Board of Commissioners never been accepted by GMS or once not submitted his/ her accountability as member of the Board of Directors and/or member of the Board of Commissioners to GMS.

iii. Has caused a company which obtained a license, approval, or registration from OJK not fulfilling its obligations to submit an annual report and/or financial statement to OJK.

4. Prohibited from having family relationship up to the second level with other members of the Board of Commissioners and/or the Board of Directors.

5. Obtain Otoritas Jasa Keuangan’s approval (pass the Fit and Proper Test). The member of the Board of Commissioners who has not obtained approval from OJK can not make any legal binding decision and impact PermataBank’s financial condition.

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6. Diangkat oleh RUPS dengan memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi.

7. Mantan anggota Direksi atau Pejabat Eksekutif PermataBank atau pihak-pihak yang mempunyai hubungan dengan PermataBank, yang dapat mempengaruhi kemampuannya untuk bertindak independen tidak dapat menjadi Komisaris Independen di PermataBank yang bersangkutan, sebelum menjalani masa tunggu (cooling off) selama 1 (satu) tahun.

8. Ketentuan sebagaimana dimaksud pada angka 7 tidak berlaku bagi mantan Direksi atau Pejabat Eksekutif yang melakukan fungsi pengawasan.

Komposisi Dewan Komisaris Sampai dengan 31 Desember 2019 komposisi Dewan Komisaris PermataBank berjumlah delapan anggota, di mana empat anggota Dewan Komisaris merupakan Komisaris Independen. Komposisi ini telah sesuai dengan peraturan yang berlaku yaitu tidak melampaui jumlah anggota Direksi serta telah memenuhi ketentuan minimal 50% (lima puluh persen) dari jumlah anggota Dewan Komisaris merupakan Komisaris Independen.

Tidak terdapat perubahan komposisi anggota Dewan Komisaris selama tahun 2019.

Adapun komposisi Dewan Komisaris per 31 Desember 2019, adalah sebagai berikut:

Jabatan NamaName Title

Komisaris Utama Sebastian Ramon Arcuri President Commissioner

Wakil Komisaris Utama Suparno Djasmin Vice President Commissioner

Komisaris Independen David Allen Worth Independent Commissioner

Komisaris Independen Haryanto Sahari Independent Commissioner

Komisaris Independen Zulkifli Zaini Independent Commissioner

Komisaris Independen Rahmat Waluyanto Independent Commissioner

Komisaris Mark Spencer Greenberg Commissioner

Komisaris Ian Charles Anderson Commissioner

6. Appointed by GMS by taking into consideration the recommendation from the Remuneration and Nomination Committee.

7. Former member of the Board of Directors or Executive Officer or parties related to PermataBank, which may impact his/her ability to act independently can only be Independent Commissioner of PermataBank after completing a cooling off period of 1 (one) year.

8. The provision as referred to point 7 is not valid to former Board of Directors or Executive Officer performing supervisory function.

The Board of Commissioners Composition As of 31 December 2019, PermataBank’s Board of Commissioners comprised eight members, of which four were Independent Commissioners. This composition was in line with the prevailing regulations, where the total members of the Board of Commissioners does not exceed total members of the Board of Directors. It also met the requirement that at least 50% (fifty percent) of members of the Board of Commissioners are Independent Commissioners.

There is no change on the composition of members of the Board of Commissioners in 2019.

The following is composition of the Board of Commissioners as of 31 December 2019:


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Tugas dan Tanggung Jawab Dewan Komisaris wajib melaksanakan tugas dan tanggung jawabnya secara independen, di antaranya, sebagai berikut: 1. Melaksanakan pengawasan terhadap pelaksanaan tugas

dan tanggung jawab Direksi dan pengawasan atas kebijakan pengurusan dan jalannya pengurusan Perseroan serta memberikan nasihat kepada Direksi.

2. Melaksanakan pengawasan atas risiko usaha PermataBank dan melakukan pengendalian internal.

3. Memberikan tanggapan dan rekomendasi atas usulan dan rencana pengembangan strategis PermataBank yang diajukan Direksi.

4. Memastikan bahwa Direksi telah memperhatikan kepentingan semua pemegang saham.

5. Dalam melakukan pengawasan tersebut, Dewan Komisaris wajib mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis PermataBank.

6. Dalam melakukan pengawasan, Dewan Komisaris dilarang terlibat dalam pengambilan keputusan kegiatan operasional PermataBank, kecuali dalam hal penyediaan dana kepada pihak terkait sebagaimana diatur dalam ketentuan Bank Indonesia tentang Batas Maksimum Pemberian Kredit Bank Umum dan hal-hal lain yang ditetapkan dalam Anggaran Dasar PermataBank atau peraturan yang berlaku.

7. Memastikan terselenggaranya pelaksanaan Tata Kelola Perusahaan yang baik dalam setiap kegiatan usaha pada seluruh tingkatan atau jenjang organisasi.

8. Membuat dan menyampaikan laporan pertanggungjawaban pengawasan atas pengelolaan PermataBank oleh Direksi kepada RUPS untuk memperoleh persetujuan.

9. Dalam kondisi tertentu, Dewan Komisaris wajib menyelenggarakan RUPS Tahunan dan RUPS lainnya sesuai dengan kewenangannya sebagaimana diatur dalam peraturan yang berlaku dan Anggaran Dasar PermataBank.

10. Melakukan evaluasi terhadap kinerja komite yang dibentuk oleh Dewan Komisaris.

Duties and Responsibilities The Board of Commissioners shall implement the duties and responsibilities independently, including:1. To supervise the Board of Directors’ performance of duties

and responsibilities; provide the management and policy supervisory and advice to the Board of Directors.

2. To monitor and conduct internal control over PermataBank’s business risks.

3. To provide opinions and recommendations on strategic business plans proposed by the Board of Directors.

4. To ensure that the Board of Directors has addressed the interests of all shareholders.

5. As part of its supervisory duty, the Board of Commissioners is mandated to direct, oversee, and evaluate the implementation of PermataBank’s strategic policies.

6. The Board of Commissioners may not be involved in decision-making process pertaining to PermataBank’s operations with the exception of provision of funds to related parties as stipulated in the Bank Indonesia regulation concerning Legal Lending Limit for Commercial Banks as well as other provisions in PermataBank’s Articles of Association or prevailing regulations.

7. To ensure the implementation of Good Corporate Governance in all aspects of business activities at all levels of the organization.

8. To compose and submit supervisory report on PermataBank’s management by the Board of Directors to the GMS for approval.

9. In certain circumstances, the Board of Commissioners shall hold the AGMS and other GMS according to its authority as stipulated in prevailing regulations, and PermataBank’s Articles of Association.

10. To evaluate the performance of committees established by the Board of Commissioners.

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Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris Tahun 2019Dewan Komisaris telah secara aktif mengawasi pengelolaan dan operasional PermataBank serta memberikan nasihat kepada Direksi.

Pengawasan dilakukan secara langsung melalui pemantauan terhadap tindak lanjut atas rekomendasi Dewan Komisaris kepada Direksi, maupun melalui komite-komite yang dibentuk. Sepanjang tahun 2019, Dewan Komisaris telah melakukan pengawasan, memberikan rekomendasi dan persetujuan, di antaranya:a. Mengawasi tugas dan tanggung jawab dari masing- masing

Direksi. b. Mengawasi kinerja keuangan PermataBank. c. Menyetujui kerangka kerja manajemen risiko dan tinjauan

portofolio. d. Mengkaji Laporan Kepatuhan dan Laporan Bisnis.e. Menyetujui kredit kepada Pihak Terkait. f. Mengkaji dan menyetujui Rencana Bisnis dan Anggaran

Tahunan. g. Mengkaji kecukupan sistem pengendalian internal. h. Mengawasi perkembangan tindak lanjut atas temuan audit

internal dan eksternal.i. Menelaah Laporan Komite Audit, Laporan Komite Pemantau

Risiko, Laporan Komite Remunerasi dan Nominasi, serta Laporan Komite Tata Kelola Terintegrasi.

j. Memberikan usulan atas penunjukan Kantor Akuntan Publik dan/atau Akuntan Publik yang akan bertugas mengaudit Laporan Keuangan PermataBank untuk tahun buku 2019.

Pedoman Dewan Komisaris dan Direksi (Board Manual)PermataBank telah memiliki Pedoman Dewan Komisaris dan Direksi (Board Manual) yang berisikan kompilasi dari prinsip- prinsip hukum Korporasi, peraturan perundang-undangan yang berlaku dan ketentuan Anggaran Dasar yang mengatur tata kerja Dewan Komisaris dan Direksi.

Implementation of Duties and Responsibilities of the Board of Commissioners in 2019The Board of Commissioners actively supervises the management and operations of PermataBank and provides advice to the Board of Directors.

Direct supervision was performed by monitoring follow up actions of the recommendations from the Board of Commissioners to the Board of Directors as well as through committees. In 2019, the Board of Commissioners conducted supervision, provided recommendations and approval of the following: a. Supervision on duties and responsibilities of each member of

the Board of Directors. b. Supervision on PermataBank’s financial performance.c. Approved the risk management framework and portfolio

review.d. Reviewed the Compliance and Business Reports.e. Approved the provision of funds to Related Parties.f. Reviewed and approved Business Plan and Annual Budget.

g. Reviewed the adequacy of internal control system.h. Supervised the follow-up actions of internal and external audit

findings.i. Reviewed the reports from Audit Committee, Risk Monitoring

Committee, Remuneration and Nomination Committee, as well as Integrated Governance Committee.

j. Proposed the candidate of Public Accountant Office and/ or Public Accountant which will audit PermataBank’s Financial Statements for 2019 financial year.

Board Manual – Board of Commissioners and Board of DirectorsPermataBank has in place the Board Manual for the Board of Commissioners and the Board of Directors. The Manual consists of a compilation of corporate law principles, prevailing regulations, and the Articles of Association to regulate working rules for Board of Commissioners and Board of Directors.


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Tujuan Board Manual adalah untuk mempermudah Dewan Komisaris dan Direksi dalam memahami peraturan-peraturan yang terkait dengan tata kerja Dewan Komisaris dan Direksi. Isi Board Manual terkait dengan Dewan Komisaris mengatur mengenai:

Dewan Komisaris 1. Tugas, Pelaporan dan Pertanggungjawaban Dewan Komisaris. 2. Kewajiban Dewan Komisaris. 3. Pengangkatan anggota Dewan Komisaris. 4. Komposisi Dewan Komisaris. 5. Masa Jabatan anggota Dewan Komisaris. 6. Hak dan Wewenang Dewan Komisaris. 7. Penilaian Kinerja Dewan Komisaris. 8. Remunerasi Anggota Dewan Komisaris. 9. Rapat Dewan Komisaris. 10. Waktu Kerja anggota Dewan Komisaris. 11. Nilai- nilai. 12. Etika Kerja.

Komisaris Independen 1. Kriteria Komisaris Independen. 2. Keanggotaan Komisaris Independen. 3. Wewenang Komisaris Independen. 4. Proses Nominasi (Pencalonan) Komisaris Independen.

Selama tahun 2019, terdapat perubahan untuk Board Manual sehubungan dengan peraturan baru yang dikeluarkan oleh Regulator.

Rangkap Jabatan Dewan Komisaris

Rangkap jabatan anggota Dewan Komisaris dapat dilihat di bagian profil Dewan Komisaris pada halaman 72-79.

Masa Jabatan Masa jabatan Dewan Komisaris berdasarkan Anggaran Dasar PermataBank adalah terhitung sejak tanggal yang ditentukan pada RUPS yang mengangkatnya sampai penutupan RUPS Tahunan yang ketiga setelah efektif pengangkatannya. Anggota Dewan Komisaris yang bersangkutan dapat diangkat kembali dengan catatan telah memenuhi persyaratan berdasarkan Anggaran Dasar PermataBank dan peraturan yang berlaku.

The objective of Board Manual is to assist the Board of Commissioners and the Board of Directors comprehend related regulations of the working rules of the Board of Commissioners and the Board of Directors. The Board Manual related to the Board of Commissioners regulates the following:

Board of Commissioners 1. Duties and Responsibility of the Board of Commissioners. 2. Obligations of the Board of Commissioners.3. Appointment of Member of the Board of Commissioners.4. Composition of the Board of Commissioners. 5. Terms of Office of the Member of Board of Commissioners. 6. Rights and Authorities of the Board of Commissioners.7. Performance Assessment of the Board of Commissioners.8. Remuneration of the Board of Commissioners.9. Board of Commissioners Meetings.10. Working Time of Member of the Board of Commissioners.11. Values.12. Work Ethics.

Independent Commissioners 1. Independent Commissioners criteria.2. Membership of Independent Commissioners.3. Authorities of Independent Commissioners.4. Nomination Process of Independent Commissioners.

In 2019, there were some changes in the Board Manual in accordance with new regulations issued by the Regulator.

The Board of Commissioners Concurrent PositionThe Board of Commissioners concurrent position can be viewed under the Board of Commissioners profile section on page 72-79.

Terms of Office The terms of office of the Board of Commissioners’ members is stipulated by PermataBank’s Articles of Association effective as of the date as determined by GMS in which the member is appointed until the conclusion of the third Annual GMS from the appointment. The same member of the Board of Commissioners may be reappointed as long as all requirements according to PermataBank’s Articles of Association and applicable regulations are satisfied.

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Masa jabatan anggota Dewan Komisaris dengan sendirinya berakhir apabila yang bersangkutan: a. mengundurkan diri; b. meninggal dunia; c. masa jabatannya telah berakhir dan tidak diangkat kembali; d. diberhentikan berdasarkan keputusan RUPS; atau e. tidak lagi memenuhi persyaratan perundang-undangan yang

berlaku termasuk karena dinyatakan pailit atau ditaruh di bawah pengampuan berdasarkan putusan Pengadilan.

Pengungkapan Kepemilikan Saham Dewan KomisarisSesuai Pasal 39 Peraturan OJK No. 55/POJK.03/2016 mengatur bahwa anggota Dewan Komisaris wajib mengungkapkan kepemilikan saham yang mencapai 5% (lima perseratus) atau lebih baik pada PermataBank maupun pada bank dan perusahaan lain, yang berkedudukan di dalam dan di luar negeri.

PermataBank memiliki Kebijakan Perdagangan Saham oleh anggota Dewan Komisaris dan Direksi.

Per 31 Desember 2019, anggota Dewan Komisaris PermataBank yang mempunyai kepemilikan saham mencapai 5% di perusahaan lain sebagai berikut:

No NamaName

Nama PerusahaanCompany Name

Jumlah Kepeilikan Saham

Number of Share Ownership

Presentase Kepemilikan Saham

Percentage of Share Ownership

1 Sebastian Ramon Arcuri(Komisaris Utama I President Commissioner)

Maispe LLC N/A 50%

Maispe 1207 LLC N/A 50%

Cepa de Vino SRL N/A 10%

2 Haryanto Sahari(Komisaris Independen I Independent Commissioner)

PT Kikim Resources 100 25%

PT Bailangu Energy 3.500 35%

HSH Resources 50.000 100%

The terms of office of the Board of Commissioners’ members ends automatically should any of the following events take place:a. tendering a resignation; b. passed away;c. end of tenure without reappointment;d. dismissed based on GMS’ resolution; ore. requirements of existing regulations are no longer met,

including bankruptcy or being placed under custodianship pursuant to a Court’s order.

Disclosure of the Board of Commissioners

Shares OwnershipArticle 39 of OJK Regulation No. 55/POJK.03/2016 stipulates that the members of the Board of Commissioners must disclose ownership of 5% (five percent) of shares or more either in PermataBank or in other bank and companies domiciled both within the country and abroad.

PermataBank has a Shares Trading Policy by members of the Board of Commissioners and the Board of Directors.

As of 31 December 2019, member of the Board of Commissioners who hold shares ownership reach 5% in other companies is as follows:


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Pelatihan Peningkatan Kompetensi Dewan Komisaris serta Program Orientasi bagi Komisaris BaruData pelatihan peningkatan kompetensi Dewan Komisaris dapat dilihat di bagian profil Dewan Komisaris pada halaman 72-79.

Selain itu, bagi anggota Dewan Komisaris yang baru diangkat juga diberikan program orientasi di antaranya berupa penjelasan rencana bisnis, tata kelola Perusahaan, tata cara rapat, serta penjelasan atas Board Manual.

Kriteria dan Penilaian Kinerja Dewan Komisaris

Informasi mengenai Kriteria dan Penilaian Kinerja Dewan Komisaris terdapat dalam bagian Tata Kelola Remunerasi, halaman 570.

Kriteria dan Penilaian Kinerja Komite Dewan Komisaris Dewan Komisaris menilai bahwa selama tahun 2019, komite- komite yang berada di bawah fungsi Dewan Komisaris telah menjalankan tugasnya secara baik sesuai dengan pedoman (charter) masing-masing komite serta membantu Dewan Komisaris dalam melakukan pengawasan.

Pembahasan mengenai kinerja komite Dewan Komisaris telah dilaksanakan pada rapat Dewan Komisaris.

Kriteria penilaian komite-komite Dewan Komisaris adalah berdasarkan:- Governance Structure- Governance Process- Governance Outcome

Uraian penjelasan Penilaian Atas Kinerja Komite di Bawah Dewan Komisaris terdapat pada Laporan Dewan Komisaris halaman 25.

Competency Enhancement Trainings for the Board of Commissioners and Orientation Program for New CommissionerInformation on competency enhancement trainings taken by the Board of Commissioners can be viewed under the Board of Commissioners profile section on page 72-79.

In addition, newly appointed members of the Board of Commissioners have been given an orientation program including business plans, corporate governance, meeting procedure, and explanation on Board Manual.

The Board of Commissioners Assessment and CriteriaInformation related to the Board of Commissioners Assessment and Criteria is available in the Remuneration Governance chapter, page 570.

The Board of Commissioners’ Committees Assessment and CriteriaIn 2019, committees under the Board of Commissioners have performed their duties in accordance with the charter from each committee and have assisted the Board of Commissioners in conducting supervision.

The discussion of the Board of Commissioners’ committees has been conducted in the Board of Commissioners’ meeting.

Criteria on the assessment of Board of Commissioners’ Committees is based on:- Governance Structure- Governance Process- Governance Outcome

Description on the Board of Commissioners’ Committees Assessment can be seen on the Board of Commissioners Report section, page 25.

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PERSYARATAN DAN KRITERIA KOMISARIS INDEPENDENIndependensi Dewan Komisaris PermataBank juga didukung melalui ditunjuknya empat anggota Komisaris Independen, yang menunjukkan dipenuhinya peraturan mengenai jumlah Komisaris Independen dari total jumlah Komisaris.

Komisaris Independen tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, dengan anggota Direksi dan/atau pemegang saham pengendali atau hubungan dengan PermataBank, yang dapat mempengaruhi kemampuannya untuk bertindak independen.

Seluruh kriteria Komisaris yang dipersyaratkan oleh peraturan telah dipenuhi oleh seluruh anggota Komisaris Independen PermataBank, termasuk persyaratan tambahan untuk Komisaris Independen sebagai berikut:1. Bukan merupakan orang yang bekerja atau mempunyai

wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan PermataBank dalam waktu enam bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen PermataBank;

2. Tidak mempunyai saham baik langsung maupun tidak langsung pada PermataBank;

3. Tidak mempunyai hubungan Afiliasi dengan PermataBank, anggota Dewan Komisaris, anggota Direksi, atau Pemegang Saham Utama PermataBank;

4. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan usaha PermataBank;

5. Telah melewati masa tunggu (cooling off) selama satu tahun bagi calon anggota Komisaris Independen yang merupakan mantan anggota Direksi atau Pejabat Eksekutif serta pihak- pihak lain yang mempunyai hubungan dengan PermataBank. Pengecualian ketentuan ini adalah bagi mantan Direksi atau Pejabat Eksekutif yang tugasnya hanya melakukan fungsi pengawasan paling kurang satu tahun; dan

6. Komisaris Independen yang telah menjabat selama dua periode masa jabatan dapat diangkat kembali pada periode selanjutnya sepanjang Komisaris Independen tersebut menyatakan dirinya tetap independen kepada RUPS.

INDEPENDENT COMMISSIONERS REQUIREMENTS The independence of PermataBank’s Board of Commissioners is supported by the appointment of four Independent Commissioners, which demonstrates regulatory compliance concerning the structure of Independent Commissioner from the total number of Commissioners.

An Independent Commissioner has no financial, management, shareholding, and/or familial relations with other members of the Board of Commissioners, members of the Board of Directors, and/or controlling shareholders or relationship with PermataBank that may disrupt his/her independencies.

PermataBank’s Independent Commissioners have met all criteria required by regulations as well as the following additional criteria specifically set out for the Independent Commissioners:

1. Has not worked at or had the authority or responsibility for the planning, leadership, control, or supervision of PermataBank activities in the last six months, with the exception of re-appointment as PermataBank’s Independent Commissioner;

2. Do not have shares in PermataBank directly or indirectly;

3. Do not have affiliations with PermataBank, members of the Board of Commissioners, the Board of Directors or Main Shareholders of PermataBank;

4. Do not have business relations, direct or indirect, related to PermataBank’s business activities;

5. Has passed a one-year cooling off period for candidate member of Independent Commissioner that formerly serves as member of the Board of Directors and Executive Officer of PermataBank as well as any other parties that have prior relationship with PermataBank. The exception to this requirement is for the former member of the Board of Directors or Executive Officer whose prior duties are limited to at least one year of supervisory function; and

6. Independent Commissioner who have served two terms of office may be reappointed in the subsequent period to the extent that the Independent Commissioner state his/her independency to the GMS.


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Independent Statement of Independent CommissionerDuring their tenure, all Independent Commissioners have fulfilled the independency criteria as stipulated in the prevailing regulations and have been covered in the statement letter signed by each Independent Commissioner.

Currently, PermataBank has four Independent Commissioners, as follows:

As of 31 December 2019, since the issuance of OJK Regulation No. 55/POJK.03/2016 regarding the Implementation of Corporate Governance for Commercial Banks, there is no Independent Commissioner who serves for 2 (two) consecutive term periods.

BOARD OF DIRECTORSThe Board of Directors is PermataBank’s organ that holds full responsibility to manage PermataBank in accordance with the objectives, and in prioritizing the interests of PermataBank. The Board of Directors also represents PermataBank both in legal or non-legal conditions with due observance of PermataBank’s Articles of Association and prevailing regulations.

Legal Basis Member of the Board of Directors is appointed or dismissed by GMS by observing the provisions of Company Law, POJK No. 33/2014, and Articles of Association of PermataBank.

In the event member of the Board of Directors is resigned then the resignation must be decided by GMS by observing the provisions of Company Law, POJK No. 33/2014 and Articles of Association.

Pernyataan Independensi Komisaris IndependenSelama menjabat, semua Komisaris Independen telah memenuhi kriteria independen sebagaimana diatur dalam peraturan yang berlaku serta telah dimuat dalam surat pernyataan yang ditandatangani oleh masing-masing Komisaris Independen.

Saat ini PermataBank memiliki empat orang Komisaris Independen sebagai berikut:

Jabatan NamaName Title

Komisaris Independen David Allen Worth Independent Commissioner

Komisaris Independen Haryanto Sahari Independent Commissioner

Komisaris Independen Zulkifli Zaini Independent Commissioner

Komisaris Independen Rahmat Waluyanto Independent Commissioner

Per 31 Desember 2019, sejak berlakunya Peraturan OJK No. 55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum, tidak terdapat Komisaris Independen yang menjabat selama 2 (dua) periode masa jabatan berturut-turut.

DIREKSIDireksi merupakan organ PermataBank yang bertanggung jawab penuh atas pengurusan PermataBank untuk kepentingan dan tujuan PermataBank serta mewakili PermataBank. Direksi juga mewakili PermataBank baik di dalam maupun di luar Pengadilan, sesuai dengan ketentuan Anggaran Dasar PermataBank dan peraturan yang berlaku.

Dasar HukumAnggota Direksi diangkat atau diberhentikan oleh RUPS dengan memperhatikan ketentuan UUPT, POJK No. 33/2014, dan Anggaran Dasar PermataBank.

Dalam hal anggota Direksi mengundurkan diri maka pengunduran diri tersebut wajib diputuskan oleh RUPS dengan memperhatikan ketentuan UUPT, POJK No. 33/2014 dan Anggaran Dasar.

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Prosedur Pengangkatan Anggota Direksi

Prosedur pengangkatan anggota Direksi sebagai berikut:

1. Komite Remunerasi dan Nominasi memberikan rekomendasi kandidat calon anggota Direksi.

2. Komite Remunerasi dan Nominasi selanjutnya menominasikan calon anggota Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS untuk diangkat sebagai anggota Direksi.

3. Sebelum efektif menjadi anggota Direksi dan dapat menjalankan tugasnya, calon anggota Direksi tersebut wajib melalui proses uji penilaian kemampuan dan kepatutan (fit and proper test) oleh OJK.

Penunjukan, Kriteria dan Komposisi

Kriteria DireksiAnggota Direksi PermataBank wajib memenuhi ketentuan-ketentuan sebagaimana yang diatur dalam peraturan perundang-undangan yang berlaku, di antaranya:1. Pemenuhan persyaratan integritas bagi calon anggota Direksi.

2. Pemenuhan persyaratan reputasi keuangan bagi calon anggota Direksi.

3. Pemenuhan persyaratan kompetensi bagi calon anggota Direksi.

Selain memenuhi persyaratan integritas, reputasi keuangan, dan kompetensi tersebut di atas, calon anggota Direksi juga harus memenuhi persyaratan kepengurusan/pengelolaan bank dan ketentuan terkait pasar modal sebagaimana diatur dalam ketentuan peraturan perundang-undangan yang berlaku, di antaranya:1. Tidak pernah menjadi anggota Direksi atau Dewan Komisaris

yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit dalam waktu 5 (lima) tahun sebelum pengangkatannya.

2. Tidak pernah dihukum karena melakukan tindak pidana di bidang keuangan atau yang merugikan keuangan negara dalam waktu 5 (lima) tahun sebelum pengangkatannya.

The Procedures of Appointment of member of the Board of DirectorsThe procedures of appointment of member of the Board of Directors as follows: 1. Remuneration and Nomination Committee provided the

recommendation of candidate of member of the Board of Directors.

2. Furthermore, Remuneration and Nomination Committee provided the candidate member of the Board of Directors to be appointed by the GMS.

3. Before effective as member of the Board of Directors and performs his/her duties, the candidate member of the Board of Directors must follow fit and proper test by OJK.

Appointment, Criteria and Composition Board of Directors

Board of Directors CriteriaMembers of PermataBank’s Board of Directors shall meet the following criteria as stipulated in prevailing laws and regulations, including:1. Fulfillment of integrity requirements of member of the Board of

Directors.2. Financial reputation of the candidate member of the Board of

Directors.3. Competency requirements of the candidate member of the

Board of Directors.

In addition to fulfill the requirements of integrity, financial reputation, and competencies as mentioned above, the candidate member of the Board of Directors must also fulfill the requirements of the management of bank and provision related to the capital markets as regulated in the prevailing regulations, including: 1. Never been a member of Board of Directors or Board of

Commissioners who is responsible for the bankruptcy of other company within 5 (five) years prior to their nomination.

2. Never been convicted due to criminal action in finance or causing a loss to the states within 5 (five) years prior to their nomination.


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3. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:i. Pernah tidak menyelenggarakan RUPS tahunan.ii. Pertanggungjawabannya sebagai anggota Direksi

dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS.

iii. Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan, atau pendaftaran dari OJK tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan kepada OJK.

4. Setiap usulan penggantian dan/atau pengangkatan anggota Direksi oleh Dewan Komisaris kepada RUPS, harus memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi.

5. Mayoritas anggota Direksi paling kurang memiliki pengalaman 5 (lima) tahun di bidang operasional sebagai Pejabat Eksekutif bank.

6. Memperoleh persetujuan OJK (lulus fit and proper test). Anggota Direksi yang belum memperoleh persetujuan dari Otoritas Jasa Keuangan tidak dapat membuat keputusan yang secara hukum mengikat dan mempengaruhi kondisi keuangan PermataBank.

7. Anggota Direksi dilarang merangkap jabatan sebagai anggota Dewan Komisaris, Direksi atau Pejabat Eksekutif pada bank, perusahaan dan/atau lembaga lain.

8. Tidak termasuk rangkap jabatan sebagaimana dimaksud pada angka 7 apabila Direksi yang bertanggung jawab terhadap pengawasan atas penyertaan pada perusahaan anak PermataBank, menjalankan tugas fungsional menjadi anggota Dewan Komisaris pada perusahaan anak bukan bank yang dikendalikan oleh PermataBank, sepanjang perangkapan jabatan tersebut tidak mengakibatkan yang bersangkutan mengabaikan pelaksanaan tugas dan tanggung jawab sebagai anggota Direksi PermataBank.

9. Anggota Direksi baik secara sendiri-sendiri atau bersama-sama dilarang memiliki saham lebih dari 25% (dua puluh lima persen) dari modal disetor pada perusahaan lain.

3. Never been a member of Board of Directors and/or member of Board of Commissioners who during his/her tenure:i. Once not convening Annual GMS.ii. His/her accountability as a member of Board of Directors

and/or member of Board of Commissioners has not been accepted once by GMS or once not submitted his/ her accountability as member of Board of Directors and/ or member of Board of Commissioners to GMS.

iii. Has caused a company which obtained a license, approval, or registration from OJK not fulfilling its obligations to submit an annual report and/or financial statement to OJK.

4. Each recommendation to replace and/or appoint members of the Board of Directors by the Board of Commissioners to the GMS must consider the Remuneration and Nomination Committee’s recommendation.

5. The majority of the Board of Directors’ members shall have at least 5 (five) years of experience in operation as an Executive Officer in a bank.

6. Obtain OJK’s approval (pass the fit and proper). The member of the Board of Directors who has not obtained approval from Otoritas Jasa Keuangan can not make any decision which is legally binding and affects PermataBank’s financial condition.

7. Members of the Board of Directors are prohibited to hold concurrent positions as a member of the Board of Commissioners, the Board of Directors or an Executive Officer at other bank, other company and/or institution.

8. The concurrent position as referred in point 7 does not apply when the Board of Directors who are responsible for the supervision of capital participation in a PermataBank’s subsidiary, undertake the functional duty as a member of the Board of Commissioners in a subsidiary that engages in non-banking activities under PermataBank’s control, providing the said concurrent position does not render the concerned person to abandon the implementation of his/her duties and responsibilities as a member of PermataBank’s Board of Directors.

9. Each member of the Board of Directors both individually or jointly is prohibited from owning shares of more than 25% (twenty-five percent) from the paid-up capital in another company.

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10. Mayoritas anggota Direksi dilarang saling memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Direksi dan/atau dengan anggota Dewan Komisaris.

11. Setiap anggota Direksi memiliki sikap kerja professional dan beretika untuk meningkatkan nilai PermataBank terhadap pemegang saham dan pemangku kepentingan.

12. Memiliki motivasi yang tinggi dalam bekerja sebagai tim untuk menghasilkan kinerja yang luar biasa (strive for excellence).

13. Anggota Direksi dilarang memberikan kuasa umum kepada pihak lain yang mengakibatkan pengalihan tugas dan fungsi Direksi.

14. Keputusan Direksi yang diambil sesuai dengan pedoman dan tata tertib kerja mengikat dan menjadi tanggung jawab seluruh anggota Direksi.

Komposisi DireksiSampai dengan 31 Desember 2019 komposisi Direksi PermataBank berjumlah delapan anggota.

Perubahan komposisi anggota Direksi PermataBank selama tahun 2019 adalah pengunduran diri Bapak Loh Tee Boon sebagai Direktur telah disetujui oleh RUPS Tahunan dan berlaku efektif pada tanggal 23 April 2019. Selain itu, di tahun 2019 terdapat tiga anggota Direksi baru yaitu Ibu Djumariah Tenteram yang berlaku efektif pada tanggal 16 Januari 2019, Bapak Herwin Bustaman sebagai Direktur Unit Usaha Syariah yang berlaku efektif pada tanggal 7 Januari 2019, serta Bapak Dayan Sadikin yang berlaku efektif pada tanggal 23 April 2019.

10. The majority of the Board of Directors members are prohibited from having family relationship up to the second level with other members of the Board of Directors and/or members of the Board of Commissioners.

11. Each member of Board of Directors must display professional behavior and ethics to increase PermataBank’s value to the shareholders and stakeholders.

12. Have high motivation in working as a group to bring the remarkable performance (strive for excellence).

13. Members of the Board of Directors are prohibited from providing a general power of attorney to other parties which will result in transfer of the tasks and functions of the Board of Directors.

14. Decision of the Board of Directors which taken in accordance with the board manual are binding and its the responsibility of all members of the Board of Directors.

The Board of Directors’ Composition As of 31 December 2019, PermataBank’s Board of Directors consisted of eight members.

The changes in composition of the Board of Directors in 2019 is the resignation of Mr. Loh Tee Boon as Director that has been approved by Annual GMS and effective on 23 April 2019. Other than that, in 2019 there were three new members of the Board of Directors, namely Mrs. Djumariah Tenteram effective on 16 January 2019, Mr. Herwin Bustaman as Shariah Business Unit Director effective on 7 January 2019, and Mr. Dayan Sadikin effective on 23 April 2019.


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Adapun komposisi Direksi per 31 Desember 2019, sebagai berikut:

Jabatan Nama Title

Direktur Utama Ridha DM Wirakusumah President Director

Direktur Teknologi dan Operasi Abdy Dharma Salimin Technology and Operation Director

Direktur Risiko (Pjs) Lea Setianti Kusumawijaya Risk Director (Interim)

Direktur Keuangan Lea Setianti Kusumawijaya Finance Director

Direktur Wholesale Banking Darwin Wibowo Wholesale Banking Director

Direktur Hukum dan Kepatuhan Dhien Tjahajani Legal and Compliance Director

Direktur Unit Usaha Syariah Herwin Bustaman*) Shariah Business Unit Director

Direktur Retail Banking Djumariah Tenteram**) Retail Banking Director

Direktur Sumber Daya Manusia Dayan Sadikin***) Human Resources Director

*) Pengangkatan Bapak Herwin Bustaman sebagai Direktur Unit Usaha Syariah berlaku efektif pada tanggal 7 Januari 2019 Appointment of Herwin Bustaman as Shariah Business Unit Director is effective on 7 January 2019. **) Pengangkatan Ibu Djumariah Tenteram sebagai Direktur berlaku efektif pada tanggal 16 Januari 2019. Appointment of Mrs. Djumariah Tenteram as Director is effective on 16 January 2019. ***) Pengangkatan Bapak Dayan Sadikin sebagai Direktur berlaku efektif pada tanggal 23 April 2019. Appointment of Mr. Dayan Sadikin as Director is effective on 23 April 2019.

Tugas dan Tanggung Jawab Masing-masing DireksiTugas dan tanggung jawab masing-masing anggota Direksi adalah sebagai berikut:

JabatanPosition

Ruang Lingkup tugasScopes of Duties

Direktur UtamaPresident Director

- Mengarahkan operasional PermataBank untuk memastikan kelancaran dan efektivitas pelaksanaannya.- Mengkoordinasikan pengembangan dan pelaksanaan strategi PermataBank.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran Dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai struktur organisasi).- Meningkatkan citra PermataBank baik di tingkat nasional maupun internasional dan turut membina hubungan baik dengan pihak-pihak terkait.

- To direct PermataBank operations, to ensure smooth and effective operational implementation.- To coordinate development and implementation of PermataBank strategy.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).- To promote PermataBank’s image, both nationally and internationally, and to nurture good relationships with related parties.

The following is composition of the Board of Directors as of 31 December 2019:

The Board of Directors Duties and ResponsibilitiesDuties and responsibilities of each member of the Board of Directors are as follows:

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JabatanPosition


Direktur Hukum dan KepatuhanLegal and Comliance Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi, serta penyampaian di Direktorat Hukum dan Kepatuhan.- Merumuskan strategi guna mendorong terciptanya Budaya Kepatuhan di PermataBank.- Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi.- Memetakan sistem dan prosedur kepatuhan yang akan digunakan untuk menyusun ketentuan dan pedoman internal PermataBank.- Memastikan bahwa seluruh kebijakan, ketentuan, system, dan prosedur, serta kegiatan usaha yang dilakukan PermataBank telah sesuai

dengan ketentuan OJK dan peraturan perundang-undangan yang berlaku, termasuk prinsi syariah bagi Unit usaha Syariah.- Meminimalkan Risiko Kepatuhan PermataBank.- Melakukan tindakan pencegahan agar kebijakan dan/atau keputusan yang diambil Direksi PermataBank tidak menyimpang dari ketentuan

OJK dan peraturan perundang-undangan yang berlaku.- Melakukan tugas-tugas lainnya yang terkait dengan fungsi kepatuhan.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran Dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Membantu Direktur Utama dalam meningkatkan citra PermataBank baik di tingkat nasional maupun internasional dan turut membina

hubungan baik dengan pihak-pihak terkait.

- To lead and direct the preparation, formulation, and delivery of policies and strategies at the Legal and Compliance Directorate.- To formulate strategies to promote Compliance Culture in PermataBank.- To propose compliance policy or compliance principles to be established by the Board of Directors.- To establish compliance systems and procedures applicable to PermataBank’s internal rules and guidelines.- To ensure that all policies, rules, systems, and procedures, as well as business activities conducted by PermataBank are in compliance with

OJK and other prevailing regulations, including Shariah principles for the Shariah Business Unit. - To minimize PermataBank’s Compliance Risk.- To take precautionary measures so that policies and decisions of the Board of Directors do not deviate from Otoritas Jasa Keuangan

regulations and other prevailing regulations.- To perform other duties related to the Compliance Function.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To assist the President Director in promoting PermataBank’s image, both nationally and internationally, and to nurture good relationships

with related parties.

Direktur KeuanganFinance Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi di Direktorat Finance.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran Dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Memimpin dan mengarahkan strategi, tujuan dan target finansial jangka pendek, jangka menengah dan jangka panjang dari PermataBank

secara komprehensif.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation and formulation of policies and strategy at the Finance Directorate.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To lead and direct PermataBank’s short, medium, and long-term financial strategies, objectives, and targets in a comprehensive manner.- To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Direktur Sumber Daya ManusiaHuman Resources Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi SDM serta pelaksanaannya.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran Dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Memastikan ketersediaan SDM dalam jumlah dan kualitas yang memadai untuk mendukung oeprasional PermataBank.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation and formulation of Human Resource (HR) policies and strategies, and its implementation.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To ensure the adequate availability of human resources in quality and quantity to support PermataBank business operations.- To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Direktur Retail BankingRetail Banking Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi, serta penyampaian di Direktorat Retail Banking.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Memimpin dan mengkoordinasikan penyusunan business plan dan action plan untuk jangka pendek, jangka menengah dan jangka panjang

dari Direktorat Retail Banking.- Memimpin dan mengarahkan serta mengkoordinasikan pengembangan serta penawaran produk-produk Retail Banking yang terbaik dan

memastikan kualitas daya saing produk tersebut dibandingkan kompetitor.- Mengkoordinasikan secara efektif promosi dari produk-produk Retail Banking sesuai dengan kebutuhan pasar dan segmentasi nasabah.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation, formulation and delivery of policies and strategies at the Retail Banking Directorate.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To lead and coordinate the formulation of short, medium, and long-term business and action plans of Retail Banking Directorate.- To lead, direct, and coordinate the development and distribution of the best Retail Banking products, and to ensure the competitiveness of

products over competitors.- To coordinate effective promotion of Retail Banking product in accordance with market needs and customer segmentation.- To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).


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JabatanPosition


Direktur Wholesale BankingWholesale Banking Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi, serta penyampaian di Direktorat Wholesale Banking.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran dasar, peraturan perundang-undangan yang


dari Direktorat Wholesale Banking.- Memimpin dan mengarahkan serta mengkoordinasikan pengembangan serta penawaran produk-produk Wholesale Banking yang terbaik

dan memastikan kualitas daya saing produk tersebut dibandingkan kompetitor.- Mengkoordinasikan secara efektif promosi dari produk-produk Wholesale Banking sesuai dengan kebutuhan pasar dan segmentasi

nasabah.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation, formulation, and delivery of policies and strategies at the Wholesale Banking Directorate.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To lead and coordinate the formulation of short, medium, and long-term business and action plans of Wholesale Banking Directorate.- To lead, direct, and coordinate the development and distribution of the best Wholesale Banking products, and to ensure the competitiveness

of products over competitors.- To coordinate effective promotion of Wholesale Banking product in accordance with market needs and customer segmentation.- To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Direktur Teknologi dan OperasiTechnology and Operation Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi serta penyampaian di Direktorat Teknologi dan Operasi.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Memastikan kelancaran dan efektivitas operasional PermataBank.- Meningkatkan produktivitas unit kerja, melalui penerapan system Teknologi Informasi yang memadai.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation, formulation, and delivery of policies and strategies at the Technology and Operations Directorate. - To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To ensure the continuity and effectiveness of PermataBank’s operational activities.- To improve the productivity of work units through the implementation of adequate Information Technology systems. - To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Direktur RisikoRisk Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi serta penyampaian di Direktorat Manajemen Risiko.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran dasar, peraturan perundang-undangan yang

berlaku dan prinsip-prinsip GCG.- Menyusun kebijakan manajemen risiko serta bertanggung jawab atas pelaksanaan kebijakan manajemen risiko PermataBank.- Melaksanakan kaji ulang secara berkala untuk memastikan ketepatan metodologi penilaian risiko dan ketepatan kebijakan.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation, formulation, and delivery of policies and strategies at the Risk Management Directorate.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To formulate PermataBank risk management policies and responsible for their implementation.- To conduct periodic reviews in order to ascertain the suitability of a risk assessment methodology and risk management policies. - To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Direktur Unit Usaha SyariahShariah Unit Business Director

- Memimpin dan mengarahkan penyusunan serta perumusan kebijakan dan strategi serta penyampaian di Direktorat Unit Usaha Syariah.- Mengelola PermataBank sesuai dengan kewenangan dan tanggung jawab sesuai Anggaran Dasar, peraturan perundang-undangan yang


dari Direktorat Unit Usaha Syariah.- Memimpin dan mengarahkan serta mengkoordinasikan pengembangan serta penawaran produk-produk Unit Usaha Syariah yang terbaik

dan memastikan kualitas daya saing produk tersebut dibandingkan kompetitor.- Mengkoordinasikan secara efektif promosi dari produk-produk Unit Usaha Syariah sesuai dengan kebutuhan pasar dan segmentasi

nasabah.- Membawahi dan bertanggung jawab atas sejumlah Divisi (sesuai Struktur Organisasi).

- To lead and direct the preparation, formulation, and delivery of policies and strategies at the Shariah Business Unit Directorate.- To manage PermataBank in accordance with the assigned authorities and responsibilities, and in compliance with the Articles of

Association, prevailing regulations, and GCG principles.- To lead and coordinate the formulation of short, medium, and long-term business and action plans of Shariah Business Unit Directorate. - To lead, direct, and coordinate the development and distribution of the best Shariah Business Unit products, and to ensure the

competitiveness of products over competitors.- To coordinate effective promotion of Shariah Business Unit products in accordance with market needs and customer segmentation. - To oversee and be in charge of a number of Divisions (in accordance with the Organization Structure).

Pedoman Dewan Komisaris dan Direksi (Board Manual)PermataBank telah memiliki Pedoman Dewan Komisaris dan Direksi (Board Manual) yang berisikan kompilasi dari prinsip-prinsip hukum Korporasi, peraturan perundang-undangan yang berlaku dan ketentuan Anggaran Dasar yang mengatur tata kerja Dewan Komisaris dan Direksi.

Board Manual– Board of Commissioners and Board of DirectorsPermataBank has in place the Board Manual for the Board of Commissioners and the Board of Directors. The Manual consists of a compilation of Corporate law principles, prevailing regulations, and the Articles of Associations to regulate working rules for the Board of Commissioners and the Board of Directors.

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Tujuan Board Manual adalah untuk mempermudah Dewan Komisaris dan Direksi dalam memahami peraturan-peraturan yang terkait dengan tata kerja Dewan Komisaris dan Direksi. Isi Board Manual yang terkait dengan Direksi mengatur mengenai:

Direksi1. Tugas, Pelaporan dan Tanggung Jawab Direksi.

2. Kewajiban Anggota Direksi.3. Pengangkatan Anggota Direksi4. Komposisi Direksi.5. Masa Jabatan Anggota Direksi.6. Hak dan Wewenang Direksi.7. Penilaian Kinerja Anggota Direksi.8. Remunerasi Anggota Direksi.9. Rapat Direksi.10. Waktu Kerja Anggota Direksi.11. Pelaporan Pelanggaran.12. Nilai-nilai.13. Etika Kerja.

Direktur Kepatuhan1. Tugas dan Tanggung Jawab Direktur Kepatuhan.2. Persyaratan untuk Menjadi Direktur Kepatuhan.

Selama tahun 2019, terdapat perubahan untuk Board Manual sehubungan dengan peraturan baru yang dikeluarkan oleh Regulator.

Independensi DireksiUntuk menjaga independensi, anggota Direksi PermataBank telah memenuhi ketentuan-ketentuan sebagaimana yang diatur dalam peraturan perundang-undangan yang berlaku.

Rangkap Jabatan DireksiDireksi PermataBank berkomitmen taat dan patuh pada ketentuan yang berlaku mengenai rangkap jabatan Direksi. Selama tahun 2019, seluruh anggota Direksi PermataBank, tidak memiliki rangkap jabatan di perusahaan-perusahaan lain.

The objective of Board Manual is to assist the Board of Commissioners and the Board of Directors in comprehending related regulations with respect to the working rules of the Board of Commissioners and the Board of Directors. The Board Manual related to the Board of Directors regulates the following:

The Board of Directors 1. Duties, Reporting and Responsibilities of the Board of

Directors.2. Obligation of Member of the Board of Directors.3. Appointment of Member of the Board of Directors.4. Composition of Member of the Board of Directors. 5. Terms of Office of Member of the Board of Directors.6. Rights and Authorities of the Board of Directors.7. Performance Assessment Member of the Board of Directors.8. Remuneration of Member of the Board of Directors.9. Board of Directors Meetings.10. Working Time of Member of the Board of Directors.11. Breaches Report.12. Values.13. Work Ethic.

Compliance Director 1. Duties and Responsibilities of Compliance Director.2. Requirements for Compliance Director.

In 2019, there were some changes in the Board Manual in accordance with new regulations issued by the Regulator.

The Board of Directors Independence In order to maintain his/her independence, members of the Board of Directors of PermataBank have complied with the prevailing rules and regulations.

The Board of Directors Concurrent Position The Board of Directors of PermataBank are committed to complying with prevailing regulations concerning concurrent position. During 2019, all members of the Board of Directors of PermataBank did not hold any concurrent position in other companies.


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Masa JabatanMasa jabatan Direksi berdasarkan Anggaran Dasar PermataBank adalah terhitung sejak tanggal yang ditentukan pada RUPS yang mengangkatnya sampai dengan penutupan RUPS Tahunan yang ketiga setelah tanggal efektif pengangkatannya. Anggota Direksi yang bersangkutan dapat diangkat kembali dengan catatan telah memenuhi persyaratan berdasarkan Anggaran Dasar PermataBank dan peraturan yang berlaku serta memperhatikan rekomendasi Komite Remunerasi dan Nominasi PermataBank.

Masa jabatan anggota Direksi dengan sendirinya berakhir apabila yang bersangkutan:a. mengundurkan diri;b. meninggal dunia;c. masa jabatannya telah berakhir dan tidak diangkat kembali;d. diberhentikan berdasarkan keputusan RUPS; ataue. tidak lagi memenuhi persyaratan perundang-undangan yang

berlaku termasuk karena dinyatakan pailit atau ditaruh di bawah pengampuan berdasarkan putusan Pengadilan.

Pengungkapan Kepemilikan Saham DireksiSesuai dengan ketentuan Pasal 21 Peraturan OJK No. 55/ POJK.03/2016 disebutkan bahwa anggota Direksi wajib mengungkapkan kepemilikan saham yang mencapai 5% atau lebih, baik pada PermataBank maupun pada bank dan perusahaan lain, yang berkedudukan di dalam dan di luar negeri.

PermataBank memiliki Kebijakan Perdagangan Saham PermataBank oleh anggota Dewan Komisaris dan Direksi.

Selama tahun 2019, seluruh anggota Direksi PermataBank tidak memiliki saham di PermataBank maupun saham di bank lain yang mencapai 5%.

Per 31 Desember 2019, anggota Direksi PermataBank yang mempunyai kepemilikan saham mencapai 5% di perusahaan lain (non-bank) sebagai berikut:

No NamaName

Nama PerusahaanCompany Name

Jumlah Kepeilikan Saham

Number of Share Ownership

Presentase Kepemilikan Saham

Percentage of Share Ownership

1 Abdy Dharma Salimin (Direktur Teknologi dan Operasi | Technology and Operation Director)

PT Adda Rami Jaya 110.000 20%

Terms of Office The terms of office of the members of the Board of Directors is stipulated in PermataBank’s Articles of Association effective as of the date as determined by the GMS in which the member is appointed until the conclusion of the third Annual GMS since the appointment. The same member of the Board of Directors may be reappointed as far as all requirements according to PermataBank’s Articles of Association and applicable regulations are satisfied and takes into account the recommendations of PermataBanks’s Remuneration and Nomination Committee.

Terms of office of members of the Board of Directors ends automatically should any of the following events take place:a. tendering a resignation;b. passed away;c. end of tenure without reappointment;d. dismissed based on GMS’ resolution; ore. requirements of existing regulations are no longer met,

including bankruptcy or being placed under custodianship pursuant to a Court’s order.

Disclosure of The Board of Directors Shares OwnershipArticle 21 of OJK Regulation No. 55/POJK.03/2016 stipulates members of the Board of Directors must disclose ownership of 5% of shares or more either in PermataBank or in other bank and companies domiciled both within the country and abroad.

PermataBank has a Shares Trading Policy by members of the Board of Commissioners and the Board of Directors.

During 2019, no members of PermataBank’s Board of Directors held any shares ownership in PermataBank, or ownership of 5% of shares or more in other bank.

As of 31 December 2019, member of the Board of Directors who hold shares ownership reach 5% in other companies is as follows:

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Pelatihan Peningkatan Kompetensi Direksi serta Program Orientasi bagi Direktur Baru

Data pelatihan peningkatan kompetensi Direksi dapat dilihat di bagian profil Direksi pada halaman 82-89.

Selain itu, bagi anggota Direksi yang baru diangkat juga diberikan program orientasi di antaranya berupa penjelasan rencana bisnis, tata kelola perusahaan, tata cara rapat, serta penjelasan atas Board Manual.

Kriteria dan Penilaian Kinerja DireksiInformasi mengenai Kriteria dan Penilaian Kinerja Direksi terdapat dalam bagian Tata Kelola Remunerasi, halaman 571-572.

Penilaian Kinerja Komite yang Mendukung Pelaksanaan Tugas DireksiDalam melaksanakan tugasnya Direksi dibantu oleh beberapa Komite. Selama tahun 2019, komite-komite yang berada di bawah fungsi Direksi telah menjalankan tugasnya secara baik sesuai dengan pedoman (terms of reference) masing-masing komite serta membantu Direksi dalam pengambilan keputusan.

KEBERAGAMAN KOMPOSISI DEWAN KOMISARIS DAN DIREKSI

Keberagaman Komposisi Dewan KomisarisDewan Komisaris memiliki Board Manual yang memuat ketentuan bahwa penentuan komposisi anggota Dewan Komisaris PermataBank memperhatikan keberagaman keahlian, pengetahuan dan pengalaman yang dibutuhkan.

Keberagaman Dewan Komisaris PermataBank berdasarkan komposisi yang terdiri dari para ahli dengan latar belakang pendidikan tinggi dan pengalaman selama bertahun-tahun di bidang keuangan dan industri perbankan. Selain itu PermataBank juga memiliki Komisaris yang juga memiliki pengalaman di bidang otomotif dan pembiayaan.

Competency Enhancement Trainings for the Board of Directors and Orientation Program for New DirectorInformation on competency enhancement trainings taken by the Board of Directors can be viewed under the Board of Directors profile section on page 82-89.

In addition, newly appointed member of Board of Directors has been given orientation program among others business plan, corporate governance, meeting procedure, and explanation on Board Manual.

The Board of Directors Assessment and Criteria Information related to The Board of Directors Assessment and Criteria is available in the Remuneration Governance, page 571-572.

Performance Assessment of the Board of Directors CommitteesIn implementing its duties, the Board of Directors is assisted by committees. In 2019, committees under the Board of Directors have implemented their duties in accordance with each committee’s terms of reference and have assisted the Board of Directors in decision making.

DIVERSITY IN THE COMPOSITION OF THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS

The Board of Commissioners’ Diversity The Board of Commissioners has Board Manual which stipulates that the determination of composition of Board of Commissioners’ members considers the variety, knowledge and experiences required.

The diversity of PermataBank’s Board of Commissioners is based on the composition of expertise with university background and intensive years of experience in the finance and banking industry. In addition, PermataBank’s Commissioners also has the experience in automotive and financing fields.


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Keberagaman Dewan Komisaris PermataBank dapat dilihat di bagian profil Dewan Komisaris pada halaman 72-79, yang memuat latar belakang pendidikan tinggi dan pengalaman para anggota Dewan Komisaris.

Keberagaman Komposisi DireksiDireksi memiliki Board Manual yang memuat ketentuan bahwa penentuan komposisi anggota Direksi memperhatikan keberagaman, keahlian, pengetahuan dan pengalaman yang dibutuhkan.

Keberagaman Direksi PermataBank berdasarkan komposisi yang terdiri dari para ahli dengan latar belakang pendidikan tinggi dan pengalaman selama bertahun-tahun di bidang keuangan dan industri perbankan. Selain itu dalam komposisi Direksi PermataBank terdapat tiga anggota Direksi yang merupakan wanita.

Keberagaman Direksi PermataBank dapat dilihat di bagian profil Direksi pada halaman 82-89, yang memuat latar belakang pendidikan tinggi, pengalaman para anggota Direksi.

The diversity of PermataBank’s Board of Commissioners can be viewed under the Board of Commissioners’ profile section on page 72-79, which described the expertise with university background and experience of the Board of Commissioners.

Diversity of the Board of Directors’ CompositionThe Board of Commissioners has Board Manual which stipulates that the determination of composition of Board of Commissioners’ members considers the variety, knowledge and experiences required.

The diversity of PermataBank’s Board of Directors is based on the composition of expertise with university background and intensive years of experience in finance and banking industry. Other than that, in the composition of the Board of Directors of PermataBank there are three female members.

The diversity of PermataBank’s Board of Directors can be viewed under the Board of Directors’ profile section on page 82-89, which describes the expertise with university background and experience of the Board of Directors.

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Usia Direksi Age of the Board of Directors

Jenis Kelamin Dewan Komisaris dan Direksi Sex of the Board of Commissioners and Board of Directors

40-49 tahun | years old


Pria | Male

Wanita | Female

Latar Belakang Pendidikan Dewan Komisaris dan Direksi Background Education of the Board of Commissioners and Board of Directors

25%

62%

13%

S3

S2

S12019

Kewarganegaraan Dewan Komisaris dan Direksi Nationality of the Board of Commissioners and Board of Directors

75%

25%

Indonesia

Non Indonesia2019

50%

50%

2019

82%

18%

2019

Komposisi Dewan Komisaris Composition of the Board of Commissioners

50%

50%

Komisaris Non Independen Non Independent Commissioner

Komisaris Independen Independent Commisioner

2019

Usia Dewan Komisaris Age of the Board of Commissioners




37%

26%

37%

2019


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PELAKSANAAN RAPAT DEWAN KOMISARIS DAN DIREKSI

Rapat Dewan KomisarisKebijakan dan Frekuensi Rapat Dewan Komisaris, Rapat Bersama Direksi dan Tingkat Kehadiran Anggota Dewan Komisaris.

KebijakanSebagaimana diatur dalam Anggaran Dasar PermataBank, rapat Dewan Komisaris wajib untuk dijadwalkan terlebih dahulu untuk tahun berikutnya sebelum berakhirnya tahun buku.

Rapat Dewan Komisaris wajib diselenggarakan secara berkala setidaknya satu kali dalam dua bulan. Rapat dapat juga dilaksanakan setiap waktu bilamana dianggap perlu oleh dua orang anggota Dewan Komisaris atau atas permintaan tertulis dari Direksi atau seorang pemegang saham atau lebih yang bersama-sama mewakili sedikitnya 1/10 (satu per sepuluh) bagian dari seluruh jumlah saham dengan hak suara dan dengan memperhatikan ketentuan peraturan perundang-undangan. Selain itu, Dewan Komisaris wajib mengadakan rapat bersama Direksi secara berkala setidaknya tiga kali dalam setahun.

Sepanjang tahun 2019, Dewan Komisaris telah melaksanakan enam kali rapat serta sembilan kali rapat bersama Direksi.

Agenda Rapat Dewan KomisarisBerikut rincian pembahasan agenda di tahun 2019 dalam rapat Dewan Komisaris:

No Tanggal RapatMeeting Date

Anggota Dewan Komisaris

yang Hadir*Members of the Board of

Commissioners Attended the Meeting*

Agenda

1 23 Januari 201923 January 2019

− Sebastian Ramon Arcuri − Suparno Djasmin− David Worth− Haryanto Sahari− Zulkifli Zaini− Rahmat Waluyanto − Mark Greenberg− Ian Charles Anderson

1. Persetujuan atas Risalah Rapat Dewan Komisaris tanggal 25 Oktober 2018

2. Matters Arising3. Rencana Kerja Komite Pemantau Risiko 20194. Risalah Rapat Komite Pemantau Risiko5. Rencana Kerja Komite Audit 20196. Laporan Komite Audit7. Penilaian sendiri (self assessment) Komite-komite

Dewan Komisaris PT Bank Permata, Tbk8. Laporan Komite Nominasi dan Remunerasi

1. Approval of Minutes of Meeting of Internal BOC dated 25 October 2018

2. Matters Arising3. Risk Monitoring Committee (RMOC) Work Plan 2019 4. RMOC Minutes of Meeting 5. Audit Committee Work Plan 2019 6. Audit committee report7. Self-Assessment for the BOC Committee of PT Bank

Permata, Tbk 8. Renumeration & Nomination Committee (REMCO)

Report

THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS MEETING IMPLEMENTATION

Board of Commissioners’ MeetingThe Board of Commissioners’ Meetings Policy and Frequency, Joint Meetings with the Board of Directors and Attendance.

Policy In accordance with PermataBank’s Articles of Association, the Board of Commissioners meetings for the following year must be scheduled before the end of financial year.

Meetings of the Board of Commissioners must be convened at least once every two months. The meeting can be convened at any time whenever deemed necessary by two members of the Board of Commissioners or upon written request from the Board of Directors or one or more shareholders jointly representing at least 1/10 (one tenth) of the total shares with lawful voting right with due observance of the laws. In addition, the Board of Commissioners must convene joint meetings with the Board of Directors periodically at least three times a year.

In 2019, the Board of Commissioners has convened six meetings and nine joint meetings with the Board of Directors.

The Board of Commissioners Meeting Agenda Agenda items discussed in 2019 in the Board of Commissioners meeting were:

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No Tanggal RapatMeeting Date

Anggota Dewan Komisaris


Commissioners Attended the Meeting*

Agenda

2 26 Februari 201926 February 2019


1. Persetujuan atas Risalah Rapat 23 Januari 2019

2. Matters Arising3. Laporan Pengawasan Dewan Komisaris (H2 18)–

Implementasi Rencana Bisnis Bank (termasuk Syariah)4. Laporan Komite Audit Q4-2018

1. Approval of Minutes of Meeting of Internal BOC dated 23 Januari 2019

2. Matters Arising 3. BOC Supervisory Report (H2 18) – RBB

Implementation (incl Shariah)4. Audit Committee Report Q4 2018

3 23 April 201923 April 2019


1. Persetujuan atas Risalah Rapat Dewan Komisaris tanggal 26 Februari 2019

2. Matters Arising3. Risalah Rapat Komite Pemantau Risiko4. Laporan Komite Tata Kelola Terintegrasi5. Update tentang Policy & Procedures Portal 6. Update informasi tentang POJK Nomor 1/

POJK.03/2019 tentang Penerapan Fungsi Audit Internal pada Bank Umum

1. Approval of Minutes of Meeting of the Internal BOC dated 26 February 2019

2. Matters Arising3. RMOC Minutes of Meeting 4. Integrated governance committee report5. Update on Policy & Procedures Portal6. Update on POJK No. 1/POJK.03/2019 on Application

of nternal Audit Function at Commercial Banks

4 24 Juli 201924 July 2019


1. Persetujuan atas Risalah Rapat Dewan Komisaris tanggal 30 April 2019

2. Matters Arising 3. Risalah rapat Komite Pemantau Risiko 4. Piagam Komite Pemantau Risiko 5. Laporan Komite Audit Kuartal I-20196. Laporan Internal Audit Kuartal I-20197. Laporan Komite Tata Kelola Terintegrasi

1. Approval of Minutes of Meeting of the Internal BOC dated 30 April 2019

2. Matters Arising3. RMOC Minutes of Meeting4. Risk Monitoring Committee Charter5. Audit committee report 1Q 20196. Internal Audit Report 1Q 20197. The Integrated Governance Committee Report

5 27 Agustus 201927 August 2019


1. Persetujuan atas Risalah Rapat Dewan Komisaris tanggal 24 Juli 2019

2. Matters Arising3. Laporan pengawasan Dewan Komisaris atas

implementasi rencana bisnis Bank4. Laporan Komite Audit Q2-20195. Laporan Audit Internal Q2-2019

1. Approval of Minutes of Meeting of the Internal BOC dated 24 July 2019

2. Matters Arising 3. BOC supervisory report on business plan (RBB)

Implementation.4. Audit Committee Report 2Q 20195. Q2 Internal Audit Update

6 23 Oktober 201923 October 2019


1. Persetujuan atas Risalah Rapat Dewan Komisaris tanggal 27 Agustus 2019

2. Matters Arising 3. Risalah rapat Komite Pemantau Risiko4. Laporan Komite Audit5. Laporan Komite Tata Kelola Terintegrasi

1. Approval of Minutes of Meeting of the Internal BOC dated 27 August 2019

2. Internal BOC Meeting, Matters arising.3. RMOC Minutes of Meeting4. Audit committee report.5. Integrated governance committee report.

Catatan | Note:*) Kehadiran anggota Dewan Komisaris memperhitungkan mekanisme Surat Kuasa. | Attendance of the Board of Commissioners is taking into account the Power of Attorney mechanism.

Rapat Dewan Komisaris yang dihadiri secara fisik oleh seluruh anggota Dewan Komisaris selama tahun 2019 adalah:• Rapat Internal Dewan Komisaris tanggal 23 Januari 2019.

• Rapat Gabungan Dewan Komisaris dan Direksi tanggal 23 Januari 2019.

• Rapat Gabungan Dewan Komisaris dan Direksi tanggal 27 Maret 2019.

• Rapat Gabungan Direksi dan Dewan Komisaris tanggal 27 Maret 2019.

• Rapat Internal Dewan Komisaris tanggal 23 April 2019.

• Rapat Gabungan Dewan Komisaris dan Direksi tanggal 23 April 2019.

The Board of Commissioners’ Meeting attended physically by all members of the Board of Commissioners in 2019:• Internal Board of Commissioners Meeting dated 23 January

2019.• Joint Board of Commissioners and Board of Directors Meeting

dated 23 January 2019.• Joint Board of Commissioners and Board Directors Meeting

dated 27 March 2019.• Joint Board of Directors and Board of Commissioners dated

27 March 2019.• Internal Board of Commissioners Meeting dated 23 April

2019.• Joint Board of Commissioners and Board of Directors Meeting

dated 23 April 2019.


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Frekuensi dan Kehadiran Rapat Dewan Komisaris RegularTingkat kehadiran anggota Dewan Komisaris adalah sebagai berikut:

NamaName

Jumlah RapatTotal Meeting

Jumlah Kehadiran*Total Attendance

Jumlah Ketidakhadiran*Total Absence

% Kehadiran% Attendance

Sebastian Ramon Arcuri 6 6 - 100

Suparno Djasmin 6 6 - 100

David Worth 6 6 - 100

Haryanto Sahari 6 6 - 100

Zulkifli Zaini 6 6 - 100

Rahmat Waluyanto 6 6 - 100

Mark Greenberg 6 6 - 100

Ian Charles Anderson 6 6 - 100


Rapat DireksiKebijakan dan Frekuensi Rapat Direksi, Rapat Bersama Dewan Komisaris, dan Tingkat Kehadiran Anggota Direksi

KebijakanSebagaimana diatur dalam Anggaran Dasar PermataBank, Rapat Direksi wajib untuk dijadwalkan terlebih dahulu untuk tahun berikutnya sebelum berakhirnya tahun buku.

Rapat Direksi PermataBank diselenggarakan setidaknya satu kali dalam dua minggu. Rapat dapat juga dilaksanakan setiap waktu bilamana dianggap perlu oleh dua orang anggota Direksi atau atas permintaan tertulis dari Dewan Komisaris atau seorang pemegang saham atau lebih yang bersama-sama mewakili sedikitnya 1/10 (satu per sepuluh) bagian dari seluruh jumlah saham dengan hak suara dan dengan memperhatikan ketentuan peraturan perundang-undangan.

Frekuensi dan Kehadiran Rapat Direksi Selama Tahun 2019Selama tahun 2019 rapat Direksi telah diselenggarakan sebanyak 26 kali, dengan tingkat kehadiran masing-masing Direktur sebagai berikut:

Frequency and Attendance of The Board of Commissioners MeetingsAttendance record of the Board of Commissioners meetings is as follows:

Board of Directors’ MeetingThe Board of Directors’ Meetings Policy and Frequency, Joint Meetings with the Board of Commissioners and Attendance

Policy In accordance with PermataBank’s Articles of Association, the Board of Directors meetings must be scheduled before the financial year elapsed.

Meeting of the Board of Directors of PermataBank must be convened at least once every two weeks. The meeting can be convened at any time whenever deemed necessary by two members of the Board of Directors or upon written request from the Board of Commissioners or one or more shareholders jointly representing at least 1/10 (one tenth) of the total shares with lawful voting right with due observance of the laws.

Frequency and Attendance of Meetings in 2019

In 2019, the Board of Directors has convened 26 meetings with the following record of attendance:

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Daftar Kehadiran Rapat Direksi RegulerAttendance List of Board of Directors Regular Meetings

NamaName


Jumlah KehadiranTotal Attendance

JumlahKetidakhadiranTotal Absence

% Kehadiran% Attendnce

Ridha DM Wirakusumah 26 24 2 92

Abdy Dharma Salimin 26 24 2 92

Loh Tee Boon *) 9 8 1 88

Lea Setianti Kusumawijaya 26 25 1 96

Darwin Wibowo 26 24 2 92

Dhien Tjahajani 26 19 7 73

Herwin Bustaman**) 25 20 5 80

Djumariah Tenteram***) 24 22 2 92

Dayan Sadikin****) 17 16 1 94

Catatan | Note:*) Masa jabatan Bapak Loh Tee Boon sampai dengan tanggal 23 April 2019. | Terms of office of Mr. Loh Tee Boon until 23 April 2019.**) Pengangkatan Bapak Herwin Bustaman sebagai Direktur Unit Usaha Syariah berlaku efektif pada tanggal 7 Januari 2019. Appointment of Mr. Herwin Bustaman as Shariah Business Unit Director is effective on 7 January 2019. ***) Pengangkatan Ibu Djumariah Tenteram sebagai Direktur berlaku efektif pada tanggal 16 Januari 2019. | Appointment of Mrs. Djumariah Tenteram as Director is effective on 16 January 2019.****) Pengangkatan Bapak Dayan Sadikin sebagai Direktur berlaku efektif pada tanggal 23 April 2019. | Appointment of Mr. Dayan Sadikin as Director is effective on 23 April 2019.

Agenda Rapat DireksiBerikut rincian pembahasan agenda di tahun 2019 dalam Rapat Direksi:

No. Tanggal RapatDate Meeting

Anggota Direksi yang Hadir*

Members of the Board of Directors Attended the Meeting*

Agenda


- Ridha DM Wirakusumah- Loh Tee Boon - Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani

1. Review Action Points Rapat Direksi Sebelumnya2. Update terkait Kinerja SFK3. Evaluasi Kebijakan Manajemen Risiko terkait dengan

Prinsip-prinsip Syariah4. Update tentang Peninjauan Remunerasi 2019 dan

Jadwal Pembayaran Bonus Kinerja 5. Update tentang Pension Management6. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points2. Update on SFK Performance3. Evaluation of Risk Management Policy Related to

Shariah Principles4. Update on 2019 Salary Review and 2018 Performance

Bonus Payout Time Table5. Update on Pension Management6. Any Other Business


- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon - Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman

1. Penilaian Sendiri (Self Assessment) Penerapan GCG per 31 Desember 2018 (individual PermataBank dan konsolidasi)

2. Penilaian Sendiri (Self Assessment) Penerapan GCG per 31 Desember 2018 (Unit Bisnis Syariah)

3. Penilaian Sendiri (Self Assessment) Penerapan GCG Terintegrasi Grup Astra per 31 Desember 2018 (untuk Bank)

4. Profil Risiko PermataBank dan Unit Usaha Syariah Q4-2018

5. Laporan Profil Risiko PermataBank dan Entitas Anak Periode Semester Kedua 2018

6. Penilaian Sendiri (Self Assessment) Tingkat Kesehatan Bank per Desember 2018

7. Persetujuan Final Rating PA8. Pembahasan Lain-lain

1. The Self-Assessment for the Implementation of Good Corporate Governance (GCG) as of 31 December 2018 (Individual & Consolidation)

2. The Self-Assessment for the Implementation of Good Corporate Governance (GCG) as of 31 December 2018 (Shariah Business Unit)

3. The Self-Assessment for the Implementation of Integrated Good Corporate Governance (GCG) of Financial Conglomeration of Astra Group as of 31 December 2018 (for Bank only)

4. Bank Permata & Syariah Risk Profile Q4-2018

5. Integrated Risk Profile Report of FSI Bank: Bank Permata & Subsidiary (SFK) – Reporting Period 2nd Half Year 2018

6. Bank Soundness Rating Self-Assessment as of December 2018

7. Approval on Final Rating PA8. Any Other Business

The Board of Directors Meeting Agenda Agenda items discussed in 2019 in the Board of Directors Meetings were:


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Agenda


- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon - Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram

1. Review Action Points Rapat Direksi Sebelumnya 2. Draf Agenda Rapat Dewan Komisaris 26 Februari 2019

dan Matters Arising3. Update tentang Kinerja Bisnis Desember 20184. Risalah Rapat Komite ALCO tanggal 28 November dan

6 Desember 20185. Update tentang Peraturan Bursa Saham Indonesia

Nomor 1-A tentang Pencatatan Saham6. Rapat Umum Pemegang Saham Tahunan PT Bank

Permata Tbk 20197. Update tentang Kinerja SFK8. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points2. Draft Agenda BOC Meeting on 26 February 2019 and

matter arising3. Business Performance Update December 20184. Minutes of ALCO Meeting dated 28 November & 6

December 20185. Update on New Indonesia Stock Exchange (IDX)

Regulation Number I-A on Listing6. The Annual General Meeting of Shareholders 2019 of

PT Bank Permata Tbk 7. Update on SFK Performance8. Any Other Business



1. Review Action Points Rapat Direksi Sebelumnya 2. Laporan Pengawasan Dewan Pengawas Syariah3. Review Perjalanan 5 tahun Bisnis Syariah

4. Penggunaan Laba 20185. Revisi Consultation Paper Dewan Komisaris6. Profil Risiko Terintegrasi AFC7. Modal Minimum Terintegrasi untuk Konglomerasi

Keuangan8. Pembaruan Kebijakan SAM9. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points 2. DPS Supervisory Report 3. Shariah Banking-2018 Business Review and 5 Years

Journey 4. Usage of 2018 Profit 5. BOC Consultation Paper-Revision 6. Integrated Risk Profile of AFC 7. Integrated Minimum Capital For Financial

Conglomeration8. SAM Policy Renewal 9. Any Other Business



1. Review Action Points Rapat Direksi Sebelumnya 2. Update tentang Data Dewan Komisaris dan Direksi

PT Bank Permata Tbk3. Laporan Penerapan Kepatuhan Terintegrasi untuk

Konglomerasi Keuangan Astra 4. Laporan Keuangan Audited per 31 Desember 2018

5. Review Kinerja Bisnis6. Laporan Tentang Realisasi Pembayaran Bonus Tahunan

2018 dan Kenaikan Remunerasi 2019 7. Proyek Teknologi Informasi8. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. The Updating Data of the BOD and the BOC of

PT Bank Permata Tbk 3. Astra Financial Conglomeration Integrated Compliance

Role & Responsibilities Implementation Report 4. Financial Statements As Of 31 December 2018 (

Audited) 5. Business Performance Review 6. Report on 2018 Performance Bonus Payout & 2019

Annual Salary Increase Realization 7. Information Technology Project 8. Any Other Business

6 4 Maret 20194 March 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Djumariah Tenteram

1. Review Action Points Rapat Direksi Sebelumnya 2. Draf Agenda Rapat Dewan Komisaris dan Matters

Arising3. Risalah Rapat Komite ALCO tanggal 30 Januari 20194. Risiko Reputasi5. Peningkatan Corporate CRG Scorecard 6. Update tentang Strategi Digital UMKM7. Update tentang MSB Business Preposition8. Penggantian Lift di PermataBank Bintaro9. Target ICF Aspiraton 201910. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points2. Draft Agenda of BOC Meeting and Matters Arising

3. ALCO Minutes of Meeting, 30 Jan 2019 4. Responsibility and Reputation Risk 5. Corporate CRG Scorecard Enhancement 6. Update on Digital Strategy in UMKM 7. Update on MSB Business Preposition 8. PermataBank Bintaro Elevator Replacement 9. 2019 ICF Aspiration Target 10. Any Other Business

7 18 Maret 201918 March 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon - Lea Setianti Kusumawijaya - Herwin Bustaman- Djumariah Tenteram

1. Review Action Points Rapat Direksi Sebelumnya 2. Asuransi Directors & Officers (D&O) Liability3. Review Kinerja Bisnis4. Review Tahunan untuk Recovery Plan Policy5. Ringkasan Risalah Rapat Komite-komite di bawah

Direksi6. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Directors & Officers (D&O) Liability Insurance3. Business Performance Review 4. Annual Review of Recovery Plan Policy5. Summary of Minutes of BOD Committees Meeting

6. Any Other Business

8 1 April 20191 April 2019



Arising3. Clearance untuk Political Exposed Person (PEP) 4. Penggantian AC sentral PermataBank Bintaro5. Kajian untuk SFK Task Force Business6. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Draft Agenda of BOC Meeting and Matters Arising

3. Political Exposed Person (PEP) Clearance 4. PermataBank Bintaro Tower AC Central Replacement 5. SFK Task Force Business Assessment 6. Any Other Business

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Agenda

9 15 April 2019

15 April 2019


1. Review Action Points Rapat Direksi Sebelumnya 2. Banking Landscape per Desember 20183. Enhancement untuk Proyek Retail Banking dan

Wholesale Banking (Permata e-Business)4. Review Kinerja Investasi Manajemen Pensiun

5. Arahan untuk Investasi Dana Pensiun6. Kajian OR Governance7. Kebijakan Manajemen Risiko Terintegrasi8. Profil Risiko PermataBank dan Unit Usaha Syariah

Kuartal I-20199. Risalah Komite Manajemen Risiko Terintegrasi tanggal

17 September 201810. Kajian tahunan Credit Policy Manual (CPM) untuk

chapter 11 dan 1211. TOR Komite Manajemen Risiko

12. Update Teknologi dan Operasional13. Kantor Cabang PermataBank Digital di Menara Astra14. Update Informasi Kinerja Bisnis Maret 201915. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points.2. Banking Landscape As Of December 20183. Retail Banking & Wholesale Banking Project (Permata

e-Business (PeB) Enhancements)4. Pension Management and Investment Perfomance

Review5. Pension Fund Investment Direction6. OR Governance Review7. Integrated Risk Management Policy8. Bank Permata & Shariah Risk Profile Q1-2019

9. Integrated Risk Management Committee (IRMC) Minutes of Meeting, 17 September 2018

10. Annual Review of Credit Policy Manual (CPM) Chapter 11 & 12

11. Risk Management Committee (RMC) Term of Reference (TOR)

12. Technology & Operations Update13. Digital PermataBank New Branch Menara Astra14. Business Performance Update March 201915. Any Other Business

10 30 April 201930 April 2019

- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram- Dayan Sadikin


Arising3. Risalah Rapat ALCO4. Risalah Rapat Komite Manajemen Risiko Terintegrasi

tanggal 29 Maret 20195. Upgrade untuk Instinct 5.3 6. Clearance untuk Political Exposed Person (PEP) 7. Update Kinerja SFK 8. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points.2. Draft Agenda of BOC Meeting and Matter Arising

3. Minutes of ALCO Meeting4. Minutes of IRMC Meeting 29 March 2019

5. Instinct 5.3 Upgrade6. PEP Clearance7. Update on SFK Performance 8. Any Other Business

11 13 Mei 201913 May 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Pembaruan Capital Policy & Procedure 3. Revisi Rencana Bisnis/RBB 2019-20204. Kajian Tahunan Credit Policy Manual (CPM) untuk

chapter 11 dan 125. Laporan Direktur Sumber Daya Manusia6. Scoring untuk SME7. Update Kinerja SFK8. Persetujuan RUPS Tahunan 2019 untuk PT Sahabat

Finansial Keluarga

9. Konsultasi Keamanan Siber10. Investasi Dana Pensiun11. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points.2. Renewal Capital Policy & Procedure3. 2019-2020 Business Plan/RBB Revision 4. Annual Review of Credit Policy Manual (CPM) Chapter

11 & 125. HR Director’s Report 6. SME Scoring 7. Update on SFK Performance 8. Approval for the Resolutions in Annual General

Meeting of Shareholders Year 2019 Of PT Sahabat Finansial Keluarga

9. Cyber Security Consultancy 10. Pension Funds Investment Directives 11. Any other business

12 27 Mei 201927 May 2019

- Ridha DM Wirakusumah- Lea Setianti Kusumawijaya - Darwin Wibowo - Djumariah Tenteram- Dayan Sadikin


Arising3. Risk Tolerance 20194. Internal e-Magazine PermataBank5. Corporate Website PermataBank6. Review dan Proposal untuk Penghargaan Tahunan 7. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points2. Draft Agenda of BOC Meeting and Matter Arising

3. Risk Tolerance 20194. PermataBanks Internal e-Magazine 5. PermataBanks Corporate Website 6. Annual Rewards Review & Proposal 7. Any Other Business

13 17 Juni 201917 June 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Risalah Rapat ALCO tanggal 29 April 20193. Review Kinerja Bisnis4. Update tentang Banking Landscape5. Kebijakan Batas Maksimum Pemberian Kredit6. Risiko Reputasi 7. Update Kinerja SFK8. Laporan Perubahan Rencana Pengembangan TI 2019 9. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points.2. Minutes of ALCO Meeting, 29 April 20193. Business Performance Review 4. Banking Landscape Update 5. Legal Lending Limit Policy 6. Responsibility and Reputation Risk 7. Update on SFK Performance 8. Report on Change of IT Development Plan 20199. Any Other Business


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Agenda

14 15 Juli 201915 July 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Penilaian Sendiri (Self Assessment) Penerapan GCG

per 30 Juni 2019 (PermataBank dan Konsolidasi)3. Penilaian Sendiri (Self Assessment) Penerapan

GCG Terintegrasi Grup Astra per 30 Juni 2019 (PermataBank)

4. Profil Risiko PermataBank dan Unit Usaha Syariah Kuartal II-2019

5. Profil Risiko Terintegrasi PermataBank dan Anak Usaha semester I-2019

6. CAR Minimum Berdasarkan Profil Risiko

7. Penilaian Sendiri (self assessment) Tingkat Kesehatan PermataBank per Juni 2019

8. Prosedur dan Kebijakan Manajemen Modal Terintegrasi9. Proyek Internal Audit - Audit Management System10. Manajemen Kinerja 201911. Risiko Reputasi12. Proposal Peningkatan Benefit Karyawan13. Pertumbuhan Marketing PMOB X fase 314. Penggantian Karpet PermataBank Bintaro Tower III15. Kinerja Bisnis Juni 201916. Update Persib17. Anggaran Peluncuran PermataMobile X DO Syariah18. Strategi 2020-202219. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points 2. The Self Assessment for the Implementation of GCG

as of 30 June 2019 (Individual & Consolidation)3. The Self Assessment for the Implementation of

Integrated GCG of Financial Conglomeration of Astra Group as of 30 June 2019 (for Bank only)

4. Bank Permata & Syariah Risk Profile – Q2 2019

5. Integrated Risk Profile Report of FSI Bank: Bank Permata & Subsidiary, Period 1st Half Year 2019

6. Minimum Capital Adequacy Ratio (CAR) based on Risk Profile

7. Bank Soundness Rating Self Assessment as of June 2019

8. Integrated Capital Management Policy & Procedure9. Internal Audit Project - Audit Management System10. 2019 Performance Management11. Responsibility and Reputation Risk12. Employee Benefit Adjustment Proposal13. Growth Marketing PMOB X Phase 314. Replacement Carpet Work Bintaro Tower III15. Business Performance June 201916. Persib Update17. Budget Launch PermataMobile X DO Shariah18. Strategy 2020 - 202219. Any Other Business

15 29 Juli 201929 July 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram


Arising3. Ringkasan Risalah Rapat Komite-komite di bawah

Direksi4. Acara Wealth Wisdom5. Update kinerja bisnis SFK6. Akuisisi QR7. Forum Senior Executive PermataBank8. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Draft Agenda of BOC Meeting and Matters Arising

3. Summary of Minutes of BOD Committees Meeting

4. Wealth Wisdom Event 5. SFK Business Performance Update 6. QR Acquiring 7. PermataBank’s Senior Executive Forum 8. Any other business


- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Update Rencana Audit PWC3. Clearance untuk Political Exposed Person (PEP) 4. Laporan Pengawasan Dewan Pengawas Syariah5. Modal Minimum Terintegrasi Untuk Konglomerasi

Keuangan per 30 Juni 20196. Laporan Profil Risiko Terintegrasi Konglomerasi

Keuangan7. Perpanjangan Prosedur Write Off8. Alokasi Limit BMPK9. Risalah Rapat ALCO10. Laporan Kepatuhan Terintegrasi untuk Konglomerasi

Keuangan11. Kebijakan Kepatuhan12. Kinerja Manajemen 201913. Kebijakan Manajemen Risiko Terintegrasi Konglomerasi

Keuangan 14. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. PWC Update on Audit Planning 3. Political Expose Person (PEP) Clearance 4. DPS Supervisory Report 5. Integrated Minimum Capital for Financial

Conglomeration (as of 30 June 2019)6. Integrated Risk Profile Report of Astra Financial

Conglomerate- Reporting Period H1 20197. Write Off Procedure Extension 8. LLL Limit Allocation 9. ALCO Minutes Meeting 10. Astra Financial Conglomeration Integrated Compliance

Role and Responsibilities Implementation Report 11. Compliance Policy 12. 2019 Performance Management 13. Intra Group Transaction Risk Management Policy for

Financial Conglomerate 14. Any Other Business


- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Herwin Bustaman- Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Laporan Kinerja Bisnis3. Jadwal Penilaian Evaluasi Kinerja 20194. Kampanye PermataMobile X dan Kampanye

Pemasaran Untuk Meningkatkan Jumlah Pengguna dan Meningkatkan Pangsa Pasar

5. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points.2. Business Performance Report3. 2019 YE Performance Review Timeline4. PermataMobile X Program and Marketing Campaign

To Increase Users and Gain Market Share

5. Any Other Business

18 9 September 20199 September 2019


1. Review Action Points Rapat Direksi Sebelumnya 2. Matters Arising untuk Rapat Gabungan Dewan

Komisaris dan Direksi 3. Revisi Kebijakan SAM4. 2019 Recovery Plan5. Proposal Promosi6. Delegasi Kewenangan (DOA)7. Penguatan Sistem ACL 8. Clearance untuk Political Exposed Person (PEP) 9. Pembahasan kinerja pertengahan tahun 2019

10. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Matters Arising of Joint BOC BOD Meeting as per 27

August 2019 3. Special Asset Management (SAM Policy Revision)4. 2019 Recovery Plan5. Promotion Proposal6. Delegation of Authority (DOA)7. ACL System Enhancement8. Political Exposed Person (PEP) Clearance9. 2019 Mid Year Performance Appraisal Directorate

Rating Distribution 10. Any Other Business

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Agenda



1. Review Action Points Rapat Direksi Sebelumnya 2. Anggaran dan RBB 2020-20223. Risalah Rapat ALCO4. Update Banking Landscape5. Laporan Stress Test Konglomerasi Keuangan Astra6. Proposal Promosi 17. Proposal Promosi 28. Proposal Promosi 39. Update Persib10. Update Triwulanan Risiko Reputasi11. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Budgeting & RBB 2020 – 20223. Minutes of ALCO Meeting 4. Banking Lansdcape Update 5. Astra Financial Conglomerate Stress Test Report 6. Promotion Proposal 17. Promotion Proposal 28. Promotion Proposal 39. Persib Update 10. Responsibility & Reputational Risk Quarterly Update 11. Any Other Business

20 30 September 2019 30 September 2019

- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Djumariah Tenteram- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Draf Agenda Rapat Dewan Komisaris 3. Update Board Manual4. Kode Etik untuk Dewan Komisaris, Direksi dan Organ

Pendukung5. Kebijakan Perdagangan Saham PT Bank Permata Tbk

oleh Dewan Komisaris dan Direksi

6. Update SFK7. Clearance untuk Political Exposed Person (PEP) 8. Promosi untuk grade9. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Draft Agenda of BOC Meeting 3. Update on the Board Manual4. Code of Ethics for the Board of Commissioners, the

BOD and Organ Supporting5. Policy on Trading of Shares of PT Bank Permata Tbk

by Members of the Board of Commissioners and the Board of Directors

6. Update on SFK7. Political Exposed Person (PEP) Clearance8. Grade Promotion9. Any Other Business



1. Anggaran & Rencana Bisnis 2020-2022 1. Budget & Business Plan 2020-2022



1. Review Action Points Rapat Direksi Sebelumnya 2. Laporan Wealth Wisdom3. Laporan Speak Up4. Laporan Tahunan dan Laporan Keberlanjutan

PermataBank Tahun 20195. Unite for Education 20196. Program Pengembangan Manajemen Talenta 2019-

20207. Update Teknologi dan Operasional8. Penguatan dan Stabilitas Kinerja PermataMobile X

9. Penilaian Sendiri (Self Assessment) untuk Penempatan Mesin EDC pada Perjalanan Haji dan Umrah, Oktober 2019 (Shariah Retail Liabilities)

10. Laporan Stress Test Konglomerasi Keuangan Astra11. Risalah Rapat ALCO12. Laporan Implementasi Manajemen Risiko Terintegrasi

Juni 201913. TOR IRMC14. Laporan Keuangan per September 201915. Review Kinerja Bisnis16. Rencana Aksi Keuangan Berkelanjutan PT Bank

Permata Tbk 201917. Pembahasan Lain-lain

1. Review of the previous BOD meeting action points. 2. Wealth Wisdom Report 3. Speak Up Report 4. The Annual Report and Sustainability Report Of

PermataBank For The Year Of 20195. Unite for Education 20196. Talent Management Development Program 2019 –

20207. Technology & Operations Update 8. PermataMobile X Enhancement & Performance

Stability 9. The Self Assessment For Placement of EDC Machine

At Umrah And Hajj Travel As Of October 2019 (Shariah Retail Liabilities)

10. Astra Financial Conglomerate Stress Test Report 11. Minutes of ALCO Meeting 12. Integrated Risk Management (IRM) Implementation

Report Period June 201913. IRMC TOR 14. Financial Statements As of 30 September 201915. Business Performance Review 16. The 2019 Sustainable Finance Action Plan of PT Bank

Permata Tbk 17. Any Other Business

23 6 November 20196 November 2019

- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Herwin Bustaman- Dayan Sadikin

1. Review Action Points Rapat Direksi Sebelumnya 2. Agenda Rapat Gabungan Dewan Komisaris dan Direksi

tanggal 4 Desember 20193. Data Centre Hayam Wuruk4. Revisi TOR Komite Pengawasan Fraud

5. Penguatan sistem ACL6. Anggaran dan RBB 2020-20227. Update Kinerja SFK8. Promosi untuk grade9. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points2. Draft Agenda of Joint BOC-BOD Meeting, dated 4

December 2019 & Matters Arising 3. Data Centre Hayam Wuruk Dual Feeder 4. Revision of Fraud Oversight Committee Terms of

Reference 5. ACL System Enhancement 6. Budgeting & RBB 2020-20227. SFK Performance Update 8. Grade Promotion 9. Any Other Business


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Agenda


- Ridha DM Wirakusumah- Abdy Dharma Salimin- Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Dayan Sadikin

1. Update Perkembangan Audit PWC2. Review Action Points Rapat Direksi Sebelumnya 3. Hasil Review Internal Audit terhadap Materi Konsultasi

Dewan Komisaris Terkait Proposal Kredit 4. Update Kinerja Bisnis Oktober 20195. Term of Reference untuk Komite Kredit6. Survei Change 4 the Better 20197. Clearance untuk Political Exposed Person (PEP) 8. Persetujuan Untuk Resolusi RUPS Luar Biasa


9. Manajemen Penanganan Keluhan Media Sosial PermataBank

10. Program Internalisasi Budaya 11. Pembahasan Lain-lain

1. Update On Audit Progress From PWC 2. Review of the previous BOD Meeting Action Points 3. Internal Audit Review Result BOC Consultation for

Credit Proposal 4. Business Performance Update Oct 20195. Credit Committee Term of Reference 6. Change 4 the Better Survey 20197. Political Expose Person (PEP) Clearance 8. Approval for the Resolutions in Extraordinary General

Meeting of Shareholders of PT Sahabat Finansial Keluarga

9. PermataBank’s Social Media Complaint Handling Management

10. Culture Internalization Program 11. Any Other Business

25 3 Desember 20193 December 2019


1. Review Action Points Rapat Direksi Sebelumnya 2. Persetujuan atas Kebijakan Kepatuhan Terintegrasi3. Banking Landscape4. Update kinerja SFK5. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points2. Approval of Integrated Compliance Policy3. Banking Landscape4. SFK Performance Update5. Any Other Business



1. Review Action Points Rapat Direksi Sebelumnya 2. Draf agenda rapat Dewan Komisaris dan Matters

Arising3. Review Tahunan atas TOR CPC4. Lampiran Inisiasi Kredit dan Prosedur Proses

Persetujuan terkait Persyaratan Konsultasi Dewan Komisaris

5. Kebijakan Tata Kelola Syariah6. Manajemen Penanganan Keluhan Media Sosial

PermataBank7. Update Teknologi dan Operasional8. Pembahasan Lain-lain

1. Review of the previous BOD Meeting Action Points2. Draft Agenda of BOC Meeting and Matters Arising

3. CPC TOR Annual Review4. Appendix Credit Initiation and Approval Process

procedure related to BOC Consultation requirement

5. Shariah Governance Policy6. PermataBank’s Social Media Complaint Handling

Management7. Technology & Operations Update8. Any Other Business

Rapat Gabungan Direksi dan Dewan Komisaris

Sebagaimana diatur dalam Anggaran Dasar PermataBank, Direksi juga wajib mengadakan Rapat Direksi bersama Dewan Komisaris secara berkala setidaknya satu kali dalam empat bulan. Selama tahun 2019, frekuensi rapat gabungan Direksi dan Dewan Komisaris diselenggarakan sebanyak tiga kali. Tingkat kehadiran masing-masing Direktur dalam rapat gabungan tersebut sebagai berikut:

Joint Board of Directors and Board of Commissioners MeetingsIn accordance with PermataBank’s Articles of Association, the Board of Directors is required to convene joint meetings with the Board of Commissioners periodically at one time in four months. In 2019, joint Board of Directors and Board of Commissioners meetings have been convened three times. Attendance list of each Director in the joint meeting is as follows:

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Daftar Kehadiran Rapat Gabungan Direksi dan Dewan KomisarisAttendance List of Joint Board of Directors and Board of Commissioners Meetings

NamaName





Direksi | Board of Directors

Ridha DM Wirakusumah 3 3 - 100

Abdy Dharma Salimin 3 3 - 100

Loh Tee Boon*) 1 1 - 100

Lea Setianti Kusumawijaya 3 3 - 100


Dhien Tjahajani 3 3 - 100

Herwin Bustaman**) 3 3 - 100

Djumariah Tenteram***) 3 3 - 100

Dayan Sadikin****) 2 2 - 100


NamaName


Jumlah Kehadiran*)

Total Attendance

JumlahKetidakhadiran*)

Total Absence


Dewan Komisaris | Board of Commissioners










Agenda Rapat Gabungan Direksi dan Dewan Komisaris

Berikut rincian pembahasan agenda di tahun 2019 dalam Rapat Gabungan Direksi dan Dewan Komisaris:

The Joint Board of Directors and Board of Commissioners Meeting Agenda Agenda items discussed in 2019 in the Joint Board of Directors and Board of Commissioners Meetings were:


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Anggota Direksi dan Dewan Komisaris yang Hadir*

Members of the Board of Directors and Board of Commissioners

Attended the Meeting*

Agenda

1 27 Maret 201927 March 2019

Direksi I Board of Directors- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon - Lea Setianti Kusumawijaya - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram

Dewan Komisaris |Board of Commissioners- Sebastian Ramon Arcuri- Suparno Djasmin- David Worth- Haryanto Sahari- Zulkifli Zaini- Rahmat Waluyanto- Mark Greenberg- Ian Charles Anderson

1. Persetujuan Risalah Rapat Gabungan Direksi dan Dewan Komisaris tanggal 21 November 2018

2. Diskusi

1. Approval of Minutes of Meeting of the Joint BOD & BOC dated 21 November 2018

2. Discussion

2 24 Juli 201924 July 2019

Direksi I Board of Directors- Ridha DM Wirakusumah- Abdy Dharma Salimin- Lea Setianti Kusumawijaya - Darwin Wibowo - Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram- Dayan Sadikin


1. Persetujuan Risalah Rapat Gabungan Direksi dan Dewan Komisaris 27 Maret 2019

2. Inisiatif Strategis 20193. Potensi Pengembangan Bisnis Astra

1. Approval of Minutes of Meeting of the Joint BOD & BOC dated 27 March 2019

2. Strategic Initiatives 20193. Potential Further Astra Business Development




1. Persetujuan Risalah Rapat Gabungan Direksi dan Dewan Komisaris tanggal 24 Juli 2019

2. Diskusi Internal

1. Approval of Joint BOD & BOC MOM dated 24 July 2019

2. Internal Discussion

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Rapat Gabungan Dewan Komisaris dan Direksi

Sebagaimana diatur dalam Anggaran Dasar PermataBank, Dewan Komisaris juga wajib mengadakan Rapat bersama Direksi secara berkala setidaknya satu kali dalam empat bulan.

Daftar Kehadiran Rapat Gabungan Dewan Komisaris dan DireksiAttendance List of Joint Board of Commissioners and Board of Directors Meetings

NamaName


Jumlah Kehadiran*)

Total Attendance

JumlahKetidakhadiran*)

Total Absence


Dewan Komisaris | Board of Commissioners










NamaName





Direksi | Board of Directors

Ridha DM Wirakusumah 9 8 1 89

Abdy Dharma Salimin 9 9 - 100

Loh Tee Boon*) 4 4 - 100

Lea Setianti Kusumawijaya 9 9 - 100


Dhien Tjahajani 9 9 - 100

Herwin Bustaman**) 9 9 - 100

Djumariah Tenteram***) 9 9 - 100

Dayan Sadikin****) 5 5 - 100


Joint Board of Commissioners and Board of Directors MeetingIn accordance with PermataBank’s Articles of Association, the Board of Commissioners is required to convene joint meetings with the Board of Directors periodically at one time in four months.


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Agenda Rapat Gabungan Dewan Komisaris dan Direksi

Berikut rincian pembahasan agenda di tahun 2019 dalam Rapat Gabungan Dewan Komisaris dan Direksi:


Anggota Dewan Komisaris dan Direksi


Commissioners and Board of Directors Attended the Meeting*

Agenda


Dewan Komisaris |Board of Commissioners- Sebastian Ramon Arcuri - Suparno Djasmin- David Worth- Haryanto Sahari- Zulkifli Zaini- Rahmat Waluyanto - Mark Greenberg- Ian Charles Anderson

Direksi I Board of Directors- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon- Lea Setianti Kusumawijaya- Darwin Wibowo- Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram

1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 21 November 2018

2. Matters Arising3. Laporan Direktur Utama4. Update Bisnis Wholesale Banking (termasuk Nasabah

Top-20)5. Update Bisnis Retail Banking, Termasuk Perkembangan

pada Pricing dan Portofolio Akun SME6. Update Bisnis Syariah7. Laporan Evaluasi Kebijakan Manajemen Risiko terkait

Prinsip-Prinsip Syariah8. Laporan Direktur Keuangan9. Laporan Direktur Risiko10. Laporan Direktur Kepatuhan11. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOD & BOC dated 21 November 2018

2. Matters Arising3. President Director’s Report4. Wholesale Banking Business Update (Incl Top-20

Customers)5. Retail Banking Business Update, incl. Progress of

portfolio in SME accounts and its pricing6. Shariah Business Update7. Evaluation Report of Risk Management Policy related

to Shariah Principles8. Financial Director’s Report9. Risk Director’s Report10. Compliance Director’s Report11. Any Other Business




1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 23 Januari 2019

2. Matters Arising3. Laporan Direktur Utama4. Update Bisnis Wholesale Banking5. Update Bisnis Retail Banking6. Review Bisnis Syariah dan Lima Tahun Perjalanannya

7. Laporan Pengawasan Dewan Pengawas Syariah periode Juli-Desember 2018

8. Laporan Penerapan GCG unit Syariah 2018 (termasuk Penilaian Mandiri Implementasi GCG per 31 Desember 2018)

9. Laporan Direktur Keuangan10. Penggunaan Laba 201811. Laporan Direktur Risiko12. Revisi untuk BOC Consultation Paper13. Revisi Kebijakan SAM14. Laporan Direktur Kepatuhan (termasuk update regulasi)

15. Update Inisiatif Strategis16. Laporan Audit Internal Terintegrasi semester 2-201817. Persetujuan Customer Complaint Policy dengan nomor

referensi PLRBBP024 versi 6.018. Penilaian Keamanan Siber PermataBank19. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOC & BOD dated 23 January 2019

2. Matters Arising3. President Director’s Report4. WB Business Update5. RB Business Update6. Shariah Banking-2018 Business Review and 5 Years

Journey7. DPS Supervisory Report July – December 2018

8. 2018 Shariah GCG Report (including Self Assessment for the Implementation of GCG as of 31 December 2018 – Shariah Business Unit)

9. Financial Director’s Report10. Usage of 2018 Profit11. Risk Director’s Report12. BOC Consultation Paper – Revision13. Special Asset Management (SAM) Policy Revision14. Compliance Director’s Report (incl. Update on

Regulatory Environment)15. Strategic Initiatives Update16. Integrated Internal Audit Report Semester 2-201817. Approval Customer Complaint Policy Reference

Number PLRBBP024 version 6.018. Cyber Security Assessment on PermataBank19. Any Other Business

3 27 Maret 201927 March 2019


Direksi I Board of Directors- Ridha DM Wirakusumah- Abdy Dharma Salimin- Loh Tee Boon- Lea Setianti Kusumawijaya- Dhien Tjahajani- Herwin Bustaman- Djumariah Tenteram

1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 26 Februari 2019

2. Matters Arising3. Laporan Direktur Utama4. Update Bisnis Wholesale Banking5. Update Bisnis Retail Banking6. Laporan Direktur Keuangan7. Laporan Direktur Risiko8. Laporan Direktur Kepatuhan (termasuk Update

Regulasi)9. Update Bisnis Unit Usaha Syariah10. Rekomendasi Penunjukan Auditor Eksternal untuk

Tahun Buku yang Berakhir pada 31 Desember 2019

11. Pembahasan Enterprise Risk Management Framework (ERMF)

12. Review Tahunan tentang Recovery Plan Policy13. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOC & BOD dated 26 February 2019

2. Matters Arising3. President Director’s Report4. WB Business Update5. RB Business Update6. Finance Director’s Report7. Risk Director’s Report8. Compliance Director’s Report (incl. Update on

Regulatory Environment)9. Shariah Banking Business Update10. Recommendation of the Appointment of Public

Accounting Firm to Audit PermataBank’s Financial Statements for the Year Ending 31 December 2019

11. Enterprise Risk Management Framework (ERMF)

12. Annual Review Of Recovery Plan Policy13. Any Other Business

The Joint Board of Commissioners and Board of Directors Meeting Agenda Agenda items discussed in 2019 in the Joint Board of Commissioners and Board of Directors Meetings were:

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Agenda

4 23 April 201923 April 2019



1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 27 Maret 2019

2. Laporan Direktur Utama3. Update Bisnis Wholesale Banking4. Update Bisnis Retail Banking5. Update Bisnis Unit Usaha Syariah6. Laporan Direktur Keuangan termasuk update untuk

Banking Landscape7. Laporan Direktur Risiko8. Laporan Direktur Kepatuhan9. Update Teknologi dan Operasional10. Update Manajemen Dana Pensiun11. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOC & BOD dated 27 March 2019

2. President Director’s Report3. WB Business Update4. RB Business Update5. Shariah Banking Business Update6. Financial Director’s Report Includes Banking

Landscape Update7. Risk Director’s Report8. Compliance Director’s Report9. Technology & Operations Update10. Pension Fund Management Update11. Any Other Business

5 22 Mei 201922 May 2019



1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 23 April 2019

2. Matters Arising3. Laporan Direktur Utama4. Update Bisnis Wholesale Banking5. Update Bisnis Retail Banking6. Update Bisnis Unit Usaha Syariah7. Laporan Direktur Keuangan, termasuk Banking

Landscape8. Laporan Direktur Risiko9. Komposisi anggota Komite Tata Kelola Terintegrasi

PT bank Permata Tbk10. Laporan Tahunan tentang Implementasi GCG

Terintegrasi terkait konglomerasi keuangan Grup Astra per 31 Desember 2018

11. Laporan Direktur Kepatuhan12. Review atas kebijakan tahunan Manajemen Risiko

Terintegrasi13. Update prosedur dan kebijakan modal14. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOC & BOD dated 23 April 2019

2. Matters Arising3. President Director’s Report4. WB Business Update5. RB Business Update6. Shariah Banking Business Update7. Financial Director’s Report Includes Banking

Landscape Update8. Risk Director’s Report9. The Membership Composition of the Integrated

Governance Committee of PT Bank Permata Tbk10. The Annual Report on the Implementation of Integrated

GCG of Financial Conglomerate of Astra Group as of 31 December 2018

11. Compliance Director’s Report12. Integrated Risk Management Policy Annual Review

13. Renewal Capital Policy & Procedure14. Any Other Business

6 24 Juli 201924 July 2019



1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 22 Mei 2019

2. Matters Arising3. Laporan Direktur Utama4. Update Bisnis Wholesale Banking5. Update Bisnis Unit Usaha Syariah6. Update Bisnis Retail Banking7. Laporan Direktur Kepatuhan8. Laporan Direktur Risiko9. Laporan Direktur Keuangan, termasuk Review Kinerja

Semester 1-201910. Toleransi risiko 201911. Kebijakan BMPK12. CAR semester 1-2019 Berdasarkan Laporan Profil

Risiko13. Prosedur Kebijakan Manajemen Modal Terintegrasi14. Pembahasan Lain-lain

1. Approval of Minutes of Meeting of the Joint BOC-BOD dated 22 May 2019

2. Matters Arising3. President Director’s Report4. WB Business Update5. Shariah Banking Business Update6. RB Business Update7. Compliance Director’s Report8. Risk Director’s Report9. Finance Director’s Report, incl:1H 2019 Performance

Review10. Risk Tolerance 201911. Legal Lending Limit Policy12. 1H 2019 CAR based on Risk Profile Report

13. Integrated Capital Management Policy & Procedure14. Any Other Business




1. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 22 Mei 2019

2. Matters Arising3. Laporan Direktur Utama4. Laporan Internal Audit Terintegrasi Semester 1-20195. Update Bisnis Retail Banking6. Update Bisnis Wholesale Banking (termasuk Nasabah

Top-20)7. Update Bisnis Unit Usaha Syariah8. Laporan Pengawasan Dewan Pengawas Syariah9. Laporan Direktur Kepatuhan10. Laporan Direktur Keuangan11. Laporan Direktur Risiko12. Laporan Kepatuhan Terintegrasi Konglomerasi

Keuangan Astra13. Kebijakan Manajemen Risiko Transaksi Intra Grup untuk

Konglomerasi Keuangan14. Review Tahunan Untuk Limit Alokasi BMPK

15. Update Risk Tolerance 201916. Review atas Biaya Audit Tahunan 2019 17. Update Rencana Audit PWC18. Pembahasan Lain-lain

1. Approval of Joint BOC- BOD Meeting dated 24 July 2019

2. Matters Arising3. President Director’s Report4. Integrated Internal Audit Report Semester I-20195. Retail Banking Business Update6. Wholesale Banking Business Update (incl. Top-20

Customers)7. Shariah Banking Update8. DPS Supervisory Report9. Compliance Director Report 10. Finance Director’s Report11. Risk Director’s Report12. Astra Financial Conglomeration Integrated Compliance

Role and Responsibilities Implementation Report13. Intra Group Transaction Risk Management Policy for

Financial Conglomerate14. Legal Lending Limit (LLL) Limit Allocation Annual

Review15. Updated Risk Tolerance 201916. 2019 Annual Audit Fee and Joint Audit Review Fee17. PWC Update on Audit Planning18. Any Other Business


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Agenda




1. Pembahasan ASEAN Corporate Governance Scorecard

2. Persetujuan Risalah Rapat Gabungan Dewan Komisaris dan Direksi tanggal 27 Agustus 2019

3. Matters Arising4. Laporan Direktur Utama5. Update Bisnis Retail Banking6. Update Bisnis Wholesale Banking (termasuk Nasabah

Top-20)7. Update Bisnis Unit Usaha Syariah8. Update Inisiatif Strategis9. Update Direktur Sumber Daya Manusia10. Laporan Direktur Kepatuhan 11. Update Board Manual12. Kode Etik untuk Dewan Komisaris, Direksi dan Organ

Pendukung13. Kebijakan Perdagangan Saham PT Bank Permata Tbk

oleh Anggota Dewan Komisaris dan Direksi

14. Update Teknologi dan Operasional15. Laporan Rencana Pengembangan Teknologi Informasi

Tahun 202016. Laporan Direktur Risiko17. Laporan Direktur Keuangan18. Anggaran dan Rencana Bisnis 2020-202219. Pembahasan Lain-lain

1. Overview ASEAN Corporate Governance Scorecard

2. Approval of Minutes of Meeting of The Joint BOC- BOD dated 27 August 2019

3. Matters Arising4. President Director’s Report5. Retail Banking Business Update6. Wholesale Banking Business Update (incl. Top-20

Customers)7. Shariah Banking Update8. Strategic Initiatives Update9. HR Director Update10. Compliance Director Report 11. Update on the Board Manual12. Code of Ethics for the Board of Commissioners, the

BOD and Organ Supporting13. Policy on Trading of Shares of PT Bank Permata Tbk

by Members of the Board of Commissioners and the Board of Directors

14. Technology & Operations Update15. Report on Information Technology Development Plan

202016. Risk Director’s Report17. Finance Director’s Report18. Budget & Business Plan 2020 – 202219. Any Other Business




1. Presentasi PWC: Keamanan Siber2. Hasil Review Internal Audit terhadap Materi Konsultasi

Dewan Komisaris terkait Proposal Kredit3. Persetujuan Risalah Rapat Gabungan Dewan Komisaris

dan Direksi tanggal 23 Oktober 2019 4. Matters Arising5. Laporan Direktur Utama6. Laporan Direktur Keuangan (termasuk Banking

Landscape)7. Laporan Direktur Risiko8. Update Bisnis Wholesale Banking9. Update Bisnis Retail Banking10. Update Bisnis Unit Usaha Syariah11. Laporan Direktur Kepatuhan12. Rencana Rapat dan Kegiatan Dewan Komisaris 202013. Pembahasan Lain-lain

1. PWC Presentation : Cyber Security2. Internal Audit Review Result BOC Consultation for

Credit Proposal3. Approval of Joint BOC&BOD MOM dated 23 October

20194. Matters Arising5. President Director’s Report6. Finance Director’s Report (incl. Banking Landscape)

7. Risk Director’s Report8. Wholesale Banking Business Update9. Retail Banking Business Update10. Shariah Banking Business Update11. Compliance Director’s Report12. 2020 BOC Meetings Schedule and Rolling Agenda13. Any Other Business


HUBUNGAN AFILIASI

Hubungan Afiliasi Dewan Komisaris

Anggota Dewan Komisaris tidak memiliki hubungan keuangan dan tidak memiliki hubungan keluarga sampai derajat kedua dengan anggota lain dari Dewan Komisaris dan Direksi.

Hubungan afiliasi anggota Dewan Komisaris dengan pemegang saham pengendali (pemegang saham utama) PermataBank juga dapat dilihat di bagian profil Dewan Komisaris pada halaman 72-79.

AFFILIATED RELATIONSHIP

Affiliated Relationship of the Board of CommissionersMembers of the Board of Commissioners did not have financial and familial relations up to the second level with other members of the Board of Commissioners and the Board of Directors.

Affiliated relationship between members of the Board of Commissioners and PermataBank’s controlling shareholders (main shareholders) can also be viewed under the Board of Commissioners profile section on page 72-79.

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NamaName

Hubungan Keluarga denganFamily Relationship with

Hubungan Keuangan denganFinancial Relation with

Dewan KomisarisBoard of

Commissioners

DireksiBoard of Directors

Pemegang Saham Pengendali

Controlling Shareholder


Commissioners


Pemegang Saham Pengendali

Controlling Shareholder

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

DEWAN KOMISARIS

Sebastian Ramon Arcuri - √ - √ - √ - √ - √ √ -

Suparno Djasmin - √ - √ - √ - √ - √ √ -

David Allen Worth - √ - √ - √ - √ - √ - √

Haryanto Sahari - √ - √ - √ - √ - √ - √

Zulkifli Zaini - √ - √ - √ - √ - √ - √

Rahmat Waluyanto - √ - √ - √ - √ - √ - √

Mark Spencer Greenberg - √ - √ - √ - √ - √ √ -

Ian Charles Anderson - √ - √ - √ - √ - √ √ -

Hubungan Afiliasi DireksiAnggota Direksi tidak memiliki hubungan keuangan dan tidak memiliki hubungan keluarga sampai derajat kedua dengan anggota lain dari Dewan Komisaris, Direksi dan/atau pemegang saham pengendali (pemegang saham utama) PermataBank.

NamaName

Hubungan Keluarga denganFamily Relationship with

Hubungan Keuangan denganFinancial Relations with


Commissioners


PemegangSaham Pengendali

Controlling Shareholders


Commissioners


PemegangSaham Pengendali

Controlling Shareholders

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

YaYes

TidakNo

DIREKSI | BOARD OF DIRECTORS

Ridha DM Wirakusumah - √ - √ - √ - √ - √ - √

Abdy Dharma Salimin - √ - √ - √ - √ - √ - √

Loh Tee Boon *) - √ - √ - √ - √ - √ - √

Lea Setianti Kusumawijaya - √ - √ - √ - √ - √ - √

Darwin Wibowo - √ - √ - √ - √ - √ - √

Dhien Tjahajani - √ - √ - √ - √ - √ - √

Herwin Bustaman**) - √ - √ - √ - √ - √ - √

Djumariah Tenteram***) - √ - √ - √ - √ - √ - √

Dayan Sadikin****) - √ - √ - √ - √ - √ - √

Catatan | Note:*) Masa jabatan Bapak Loh Tee Boon sampai dengan tanggal 23 April 2019. | Terms of office of Mr. Loh Tee Boon until 23 April 2019.**) Pengangkatan Bapak Herwin Bustaman sebagai Direktur Unit Usaha Syariah berlaku efektif pada tanggal 7 Januari 2019. | Appointment of Mr. Herwin Bustaman as Shariah Business Unit Director is effective on 7 January 2019. ***) Pengangkatan Ibu Djumariah Tenteram sebagai Direktur berlaku efektif pada tanggal 16 Januari 2019. | Appointment of Mrs. Djumariah Tenteram as Director is effective on 16 January 2019. ****) Pengangkatan Bapak Dayan Sadikin sebagai Direktur berlaku efektif pada tanggal 23 April 2019. | Appointment of Mr. Dayan Sadikin as Director is effective on 23 April 2019.

Affiliated Relationship of the Board of DirectorsMembers of the Board of Directors did not have financial and familial relations up to the second level with other members of the Board of Commissioners and the Board of Directors, and/or PermataBank’s controlling shareholders (main shareholders).


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106


KOMITE AUDITKomite Audit merupakan komite yang dibentuk untuk membantu Dewan Komisaris dalam melaksanakan fungsi, tugas dan tanggung jawab pengawasan secara efektif dan independen di bidang pelaksanaan dan pelaporan pencatatan keuangan, kecukupan pengelolaan risiko, pengendalian internal secara efektif dan independen, dan efektivitas pemeriksaan oleh auditor eksternal dan internal.

Dasar HukumPembentukan Komite Audit berdasarkan peraturan-peraturan sebagai berikut:1. Surat Edaran PT Bursa Efek Jakarta No. 008/BEJ/12-2001

bulan Desember 2001 tentang Keanggotaan Komite Audit.

2. Undang-undang Republik Indonesia No. 40 tahun 2007 tentang Perseroan Terbatas.

3. POJK (d/h Bapepam) KEP-412/BL/2009 No. IX.E.1 tanggal 25 November 2009 tentang Transaksi Afiliasi dan Benturan Kepentingan Transaksi Tertentu.

4. POJK (d/h Bapepam) KEP-614/BL/2011 No. IX.E.2 tanggal 28 November 2011 tentang Transaksi Material dan Perubahan Kegiatan Usaha Utama.

5. POJK Nomor 33/POJK.04/2014 tanggal 08 Desember 2014 tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik.

6. POJK Nomor 55/POJK.04/2015 tanggal 29 Desember 2015 tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit.

7. Anggaran Dasar PT Bank Permata Tbk mengenai Tugas, Tanggung Jawab dan Wewenang Dewan Komisaris.

8. POJK No. 55/POJK.03/2016 tanggal 09 Desember 2016 tentang Penerapan Tata Kelola Bagi Bank Umum.

9. POJK No. 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik dalam Kegiatan Jasa Keuangan.

10. SEOJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola Bagi Bank Umum.

11. POJK No.1/POJK.03/2019 tanggal 28 Januari 2019 tentang Penerapan Fungsi Audit Intern Pada Bank Umum.

AUDIT COMMITTEEThe Audit Committee is a committee formed to assist the Board of Commissioners in performing its supervision functions, duties and responsibilities effectively and independently, particularly for the implementation and reporting of financial records, the adequacy of Risk Management, the effectiveness and independence of Internal Controls, and effectiveness of audits conducted by external and internal auditors.

Legal BasisThe Audit Committee was established based on the following regulations:1. Circular Letter of Jakarta Stock Exchange No. 008/BEJ/12-

2001 December 2001 concerning the Membership of Audit Committee.

2. Act of the Republic of Indonesia No. 40 year 2007 concerning Limited Liability Company.

3. POJK (formerly Bapepam) KEP-412/BL/2009 No. IX.E.1 dated 25 November 2009 concerning Transaction with Affiliated Parties and Conflict of Interest in Certain Transaction.

4. POJK (formerly Bapepam) KEP-614/BL/2011 No. IX.E.2 dated 28 November 2011 concerning Material Transactions and Changes in Main Business Activities

5. POJK No. 33/POJK.04/2014 dated 08 December 2014 concerning BOD and BOC of Public Company.

6. POJK No. 55/POJK.04/2015 dated 29 December 2015 concerning Formation and Implementation Guidelines of Audit Committee.

7. Articles of Association of PT Bank Permata Tbk concerning the Roles, Responsibilities and Authorities of the Boards of Commissioner.

8. POJK No. 55/POJK.03/2016 dated 09 December 2016 concerning the Implementation of Good Corporate Governance by Commercial Banks.

9. POJK No. 13/POJK.03/2017 concerning The Use of Public Accountant and Auditing Firm in Financial Services Activities.

10. SEOJK No. 13/SEOJK.03/ 2017 dated 17 March 2017 concerning the Implementation of Good Corporate Governance by Commercial Banks.

11. POJK No.1/POJK.03/2019 dated 28 January 2019 concerning the Application of Internal Audit Function at Commercial Banks.

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Pedoman KerjaKomite Audit dalam bekerja mengacu kepada Piagam Komite Audit tanggal 19 September 2017 yang ditandatangani oleh Presiden Komisaris dan Ketua Komite Audit.

Per 31 Desember 2019, Komite Audit dalam proses kaji ulang untuk memperbaharui Piagam Komite Audit dengan mengacu pada referensi dari rekomendasi ASEAN CG Scorecard dan POJK No. 1/POJK.03/2019 tentang Penerapan Fungsi Audit Intern Pada Bank Umum.

Piagam Komite Audit mengatur mengenai: 1. Tujuan dan Dasar Hukum2. Organisasi dan Keanggotaan3. Wewenang dan Batasan Tugas4. Tugas dan Tanggung Jawab5. Tata Tertib Kerja6. Penjaminan Mutu

Struktur dan Keanggotaan Keanggotaan dan komposisi serta independensi anggota Komite Audit telah memenuhi ketentuan dari Otoritas yang berwenang. Pada tahun 2019, Komite Audit terdiri dari 1 (satu) orang Ketua yang merupakan Komisaris Independen, 1 (satu) orang anggota yang merupakan Komisaris Independen dan 2 (dua) orang anggota dari Pihak Independen dengan kompetensi dan kualifikasi di bidang akuntansi dan keuangan perbankan.

Sesuai dengan ketentuan regulator, struktur dan keanggotaan Komite Audit telah ditetapkan dalam Surat Keputusan Direksi PermataBank No. 03/2018 tanggal 30 April 2018 perihal Susunan Anggota Komite Audit PT Bank Permata Tbk dengan periode jabatan anggota Komite Audit adalah tanggal 30 April 2018 sampai dengan penutupan RUPS Tahunan 2020.

Working GuidelineThe Audit Committee refers to Audit Committee Charter dated 19 September 2017 signed by President Commissioner and Audit Committee Chairman.

As of 31 December 2019, Audit Committee was in the process of updating Audit Committee Charter with reference from ASEAN CG Scorecard recommendation and POJK No. 1 / POJK.03 / 2019 concerning the Implementation of the Internal Audit Function in Commercial Banks.

The Audit Committee Charter regulates the following:1. Objective and Legal Basis2. Organization and Membership3. Authority and Limitation of Duties4. Roles And Responsibilities5. Work Stipulation6. Quality Assurance

Structure and MembershipThe membership and composition, as well as independency of the Audit Committee members meet the requirements of the relevant authorities. In 2019, the Audit Committee consisted of 1 (one) Chairman who is an Independent Commissioner, 1 (one) member who is an Independent Commissioner and 2 (two) non-Commissioner members from Independent Parties with competencies and qualifications in the field of accounting and banking finance.

In accordance with regulatory requirement, the Audit Committee’s structure and membership have been stipulated on PermataBank Board of Directors Decree No. 03/2018 dated 30 April 2018 concerning the Composition of Members of the Audit Committee PT Bank Permata Tbk with the term period of Audit Committee’s members is 30 April 2018 until the closing of Annual GMS 2020.


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Susunan anggota Komite Audit per 31 Desember 2019 adalah sebagai berikut:

JabatanPosition

NamaName

KedudukanPosiition

Periode*)

Term Period

KetuaChairman David A. Worth Komisaris Independen

Independent Commissioner30 April 2018 - Penutupan RUPST 2020

30 April 2018 - Closing of AGMS 2020

AnggotaMember

Haryanto Sahari Komisaris IndependenIndependent Commissioner

30 April 2018 - Penutupan RUPST 202030 April 2018 - Closing of AGMS 2020

Adi Pranoto Leman Pihak IndependenIndependent Party


Handy Effendy Halim Pihak IndependenIndependent Party


*) Catatan | Note: sesuai masa jabatan terakhir. | in accordance with the latest term of office.

Masa JabatanKetentuan yang berlaku menjelaskan bahwa masa jabatan Komite Audit tidak boleh lebih lama dari masa jabatan Dewan Komisaris sesuai dengan POJK No. 55/POJK.04/2015 dan Piagam Komite Audit, serta dapat dipilih kembali hanya untuk satu periode berikutnya. Masa tugas anggota Komite yang diangkat di antara masa jabatan Dewan Komisaris akan berakhir bersamaan dengan berakhirnya masa jabatan Dewan Komisaris tersebut.

Profil Komite Audit dan Informasi Pelatihan Selama Tahun 2019

ProfilProfile

KeteranganDescription

David A. Worth

Informasi mengenai Riwayat Pendidikan, Riwayat Jabatan, Rangkap Jabatan, Pengalaman Kerja, Hubungan Afiliasi dapat dilihat pada bagian profil Dewan Komisaris pada halaman 74

Information related to Educational Background, Professional Background, Multiple Board Membership, Professional Experience, Affiliate Relations can be viewed under the Board of Commissioners profile section on page 74

Haryanto Sahari



Adi Pranoto Leman

Informasi mengenai Riwayat Pendidikan, Riwayat Jabatan, Rangkap Jabatan, Pengalaman Kerja, Hubungan Afiliasi dapat dilihat pada bagian profil Anggota Komite pada halaman 92

Information related to Educational Background, Professional Background, Multiple Board Membership, Professional Experience, Affiliate Relations can be viewed under the profile of Committee member section on page 92

Audit Committee Membership Composition as of 31 December 2019 as follows:

Term of OfficeThe prevailing regulation stipulates that the Audit Committee’s term of office shall be no longer than the term of office of the Board of Commissioners, in accordance with OJK Regulation No. 55/POJK.04/2015 and the Audit Committee Charter, and can only be re-elected for one subsequent period. The term of office for Committee members appointed during their term of office on the Board of Commissioners shall end at the same time as their term of office ends as a member of the Board of Commissioners.

Profile of Audit Committee’s Members and Information of Trainings in 2019

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ProfilProfile


Handy Effendy Halim



Pelatihan Komite Audit selama tahun 2019Training for Audit Committee in 2019

NamaName Training/Seminar/Workshop/Sharing Knowledge

David A. Worth Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi, sebagai berikut:1. “Analysis of Sovereign & Country Risk” diselenggarakan oleh Moody’s Analytics, di Singapura (21-22 November 2019).

During 2019, he has participated in competence enhancement training, as follows: 1. “Analysis of Sovereign & Country Risk” organized by Moody’s Analytics in Singapore (21-22 November 2019).

Haryanto Sahari Selama tahun 2019, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. Lokakarya “Fraud Risk Management”, diselenggarakan oleh Institut Akuntan Publik Indonesia bekerja sama dengan IFAC (Federasi

Akuntan International) (15 Mei 2019).2. Lokakarya Akuntansi “Temuan Regulator atas Kelemahan Audit Laporan Keuangan dan Mitigasinya”, diselenggarakan oleh Institut

Akuntan Publik Indonesia bekerja sama dengan IFAC (Federasi Akuntan International) (15 Agustus 2019).3. Lokakarya Akuntansi “Aspek Akuntansi dan Audit dari Penerapan PSAK 71, Instrumen Keuangan pada Perusahaan Pembiayaan”,

diselenggarakan oleh Institut Akuntan Publik Indonesia bekerja sama dengan Otoritas Jasa Keuangan (OJK) (28 Agustus 2019).4. Sebagai pembicara pada Forum Lembaga Komisaris dan Direktur Indonesia (LKDI) “Peran Komisaris Independen dalam Pengawasan

atas Keandalan Laporan Keuangan” (5 September 2019).5. Forum Komite Audit & Risk Management Astra Group “Lesson Learned from Recent Corporate Failures” diadakan oleh PWC

Indonesia (15 September 2019).6. Lokakarya “Pemahaman atas Implementasi PSAK 71 dan 73 yang akan diterapkan pada tahun 2020 dan Diskusi mengenai

Penyusunan POJK 51”, diselenggarakan oleh Forum Komunikasi Direktur Kepatuhan Perbankan (26 September 2019).7. Lokakarya “Penyusunan Annual Report (Laporan Tahunan)”, diselenggarakan oleh Institut Akuntan Publik Indonesia (26 November

2019). 8. Lokakarya “Aspek Akuntansi dan Audit dalam Penyusunan Laporan Keuangan Dana Pensiun”, diselenggarakan oleh Institut Akuntan

Publik Indonesia bekerja sama dengan IFAC (Federasi Akuntan International) (12 Desember 2019).

During 2019, he has participated in some competence enhancement trainings, as follows: 1. Workshop on “Fraud Risk Management”, organized by Indonesian Institute of Certified Public Accountants in associate with IFAC

(International Federation of Accountants) (15 May 2019).2. Accounting Workshop “Regulator’s Findings on Weaknesses Audit of Financial Statements and Mitigations”, organized by

Indonesian Institute of Certified Public Accountants in associate with IFAC (International Federation of Accountants) (15 August 2019).

3. Accounting Workshop “Accounting and Auditing Aspects of the Application of PSAK 71, Financial Instruments in Financing Companies”, organized by Indonesian Institute of Certified Public Accountants in associate with Indonesia Financial Services Authority (28 August 2019).

4. As speaker on the Indonesian Institute of Commissioners and Directors Forum “The Role of Independent Commissioners in oversight of the Reliability of the Financial Statements” (5 September 2019).

5. Audit Committee & Risk Management Committee Astra Group Forum “Lesson Learned from Recent Corporate Failures” held by PWC Indonesia (15 September 2019).

6. Workshop “Understanding of the implementation of PSAK 71 & 73 which will be applied in 2020 and Discussion on the preparation of POJK 51”, organized by Communication Forum for Banking Compliance Director (26 September 2019).

7. Workshop “How to Compose the Annual Report”, organized by Indonesian Institute of Certified Public Accountants (26 November 2019).

8. Workshop “Accounting and Audit Aspects in the Compilation of Pension Fund Financial Statements”, organized by the Indonesian Institute of Certified Public Accountants in collaboration with IFAC (International Accountants Federation) (12 December 2019).

Adi Pranoto Leman Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi, sebagai berikut:1. Seminar Mengenai PSAK 71,72 & 73 pada tanggal 4 September 2019 diadakan oleh PT Indofood Sukses Makmur Tbk.2. Audit & Risk Management Committee Forum Astra Group pada tanggal 15 November 2019 oleh PT Astra International Tbk.3. Seminar Mengenai Update on Indonesia’s Economic Outlook 2020 pada tanggal 9 Desember 2019, diadakan oleh PT Indofood

Sukses MakmurTbk.

During 2019, he has participated in competence enhancement training: 1. Seminar on PSAK 71,72 & 73 on 4 September 2019 held by PT Indofood Sukses Makmur Tbk.2. Audit & Risk Management Committee Forum Astra Group on 15 November 2019 held by PT Astra International Tbk.3. Seminar on Update on Indonesia’s Economic Outlook 2020 on 9 December 2019 held by PT Indofood Sukses Makmur Tbk.


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NamaName Training/Seminar/Workshop/Sharing Knowledge

Handy Effendy Halim Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi, sebagai berikut:1. Training dan sertifikasi CACP (Certifiation in Audit Committee Practices) - oleh Ikatan Komite Audit Indonesia.2. 2019 IIA Conference - oleh IIA Indonesia.

During 2019, he has participated in competence enhancement training: 1. Training and certification in CACP (Certification in Audit Committee Practices) - by Indonesian Institute of Audit Committee.2. 2019 IIA Conference - by IIA Indonesia.

Independensi Komite Audit dan Persyaratan KeanggotaanSeluruh anggota Komite Audit telah memenuhi seluruh kriteria independensi dan mampu menjalankan tugasnya secara independen, menjunjung tinggi kepentingan Bank dan tidak dapat dipengaruhi oleh pihak manapun. Hal ini dapat dilihat dari keanggotaan yang terdiri dari 1 (satu) orang Ketua yang merupakan Komisaris Independen, 1 (satu) orang anggota yang merupakan Komisaris Independen dan 2 (dua) orang anggota non Komisaris dari Pihak Independen.

Sesuai dengan ketentuan dalam POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Pasal 41 ayat 4 bahwa Komisaris Independen dan Pihak Independen yang menjadi anggota Komite Audit paling sedikit berjumlah 51% (lima puluh satu persen) dari jumlah anggota Komite Audit. Anggota Komite Audit seluruhnya merupakan Komisaris Independen dan Pihak Independen, sehingga jumlah tersebut telah memenuhi persyaratan independensi.

Aspek IndependensiIndependency Aspect David A. Worth Haryanto

SahariAdi Pranoto

LemanHandy Effendy

Halim

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan DireksiHas no financial relationship with the Board of Commissioners and Board of Directors √ √ √ √

Tidak memiliki hubungan kepengurusan pada Bank, anak perusahaan, maupun perusahaan afiliasi BankHas no management relationship at the Bank, subsidiary or affiliate companies of the Bank

√ √ √ √

Tidak memiliki hubungan kepemilikan saham pada BankHas no shareholding relationship at the Bank √ √ √ √

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite AuditHas no family relationship with the Board of Commissioners, Board of Directors, and/or fellow members of Audit Committee

√ √ √ √

Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintahNot serving as an administrator of political parties, officials or government √ √ √ √

Audit Committee Independency and Membership RequirementsAll members of the Audit Committee meet all independency criteria and are able to perform their duties independently, uphold the Bank’s interests and are not influenced by any parties. This is evidenced by the membership composition that consists of 1 (one) Chairman who is an Independent Commissioner, 1 (one) member who is an Independent Commissioner and 2 (two) non-Commissioner members from Independent Parties.

In accordance with OJK Regulation No.55/POJK.03/2016 concerning the Implementation of Corporate Governance for Commercial Banks Article 41 paragraph 4, the Independent Commissioners and Independent Parties who are members of the Audit Committee account for at least 51% (fifty one percent) of the total Audit Committee members. All Audit Committee members are Independent Commissioners and Independent Parties, thus the composition has met the independence requirements.

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Persyaratan keanggotaan Komite Audit sebagaimana tertuang dalam Piagam Komite Audit adalah sebagai berikut: • Komite Audit wajib mematuhi kode etik yang ditetapkan oleh

PermataBank.• Anggota Komite Audit harus memiliki reputasi baik.

- Tidak pernah dinyatakan bersalah yang menyebabkan perusahaan yang pernah atau sedang dipimpinnya dinyatakan pailit.

- Tidak masuk dalam daftar orang tercela di bidang perbankan, antara lain tidak termasuk dalam Daftar Tidak Lulus Bank Indonesia dan daftar kredit macet, yang didukung dengan surat pernyataan pribadi.

• Anggota Komite Audit dari pihak eksternal yang independen:- Tidak boleh memiliki hubungan usaha maupun afiliasi

baik langsung maupun tidak langsung dengan Bank, Direktur, Komisaris dan pemegang saham utama.

- Tidak boleh bekerja rangkap sebagai Komisaris, Direktur atau Eksekutif pada perusahaan yang terafiliasi dengan Bank.

- Tidak boleh memiliki hubungan keluarga sampai dengan derajat kedua termasuk hubungan suami/istri, menantu/mertua dan ipar dengan Dewan Komisaris, Direksi PermataBank atau pemegang saham utama.

- Tidak boleh menerima kompensasi apapun dari PermataBank maupun afiliasinya, kecuali imbalan sebagai anggota Komite Audit.

- Membuat surat pernyataan independen di atas kertas bermaterai dan diperbaharui setiap tahun.

- Bukan merupakan orang dalam Kantor Akuntan Publik, Kantor Konsultan Hukum, Kantor Jasa Penilai Publik atau pihak lain yang memberikan jasa assurance, jasa non assurance, jasa penilai dan/atau jasa konsultasi pada PermataBank dalam 6 (enam) bulan terakhir sebelum ditunjuk sebagai anggota Komite Audit.

- Bukan merupakan orang yang bekerja atau memiliki wewenang dan tanggung jawab untuk merencanakan, memimpin, mengendalikan atau mengawasi kegiatan PermataBank dalam waktu 6 (enam) bulan terakhir kecuali Komisaris Independen.

Audit Committee membership requirements as stated in the Audit Committee Charter as follows:• The Audit Committee must comply with the code of ethics

stipulated by the Bank.• Audit Committee members must possess good reputation.

- Has never been found guilty of causing the company he/she has managed to be declared bankrupt.

- Has not been included in the negative list in the banking industry, such as not included in the List of Not Passing Otoritas Jasa Keuangan (OJK), Fit and Proper Test, and list of bad debts, as supported by his/her personal declaration.

• Audit Committee member from independent external party:- Does not have any business relationship or affiliation

directly or indirectly with the Bank, BOD, BOC and majority shareholder.

- Does not have concurrent position as a Commissioner, Director or an Executive in the affiliated company of the Bank.

- Does not have any family relationship up to the second degree, including the relationship of husband/wife, son/daughter in-law/parents in-law, and brother/sister in-law with the BOC, BOD of the Bank, or the majority shareholders.

- Does not receive any compensation from the Bank and its affiliate, with the exception of remuneration as a member of the Audit Committee.

- To submit annual signed letter of independence with stamped duty.

- Is not a Public Accountant, Legal Consultant, Public Appraisal Services, or other third party providing assurance, non-assurance, appraisal, and/or consulting services to the Bank within the last 6 (six) months prior to the appointment as a member to the Audit Committee.

- Is not a person who had the authority and responsibility to plan, direct, control, or supervise the Bank’s activities within the last 6 (six) months except for Independent Commissioner.


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- Tidak boleh memiliki saham baik langsung maupun tidak langsung pada PermataBank. Dalam hal anggota Komite Audit memperoleh saham akibat suatu peristiwa hukum maka dalam jangka waktu paling lama 6 (enam) bulan setelah pengangkatannya wajib mengalihkan sahamnya kepada pihak lain.

• Memiliki dedikasi dan integritas.- Anggota Komite Audit secara kolektif harus memiliki

kompetensi yang dibutuhkan dalam pelaksanaan seluruh tanggung jawabnya.

- Pemahaman tentang usaha, produk dan jasa bank.

- Pengetahuan tentang proses audit, manajemen risiko dan sistem pengendalian internal PermataBank.

- Pemahaman tentang peraturan perundang-undangan yang berlaku di bidang perbankan, pasar modal dan peraturan perundang-undangan terkait lainnya.

- Kemampuan menganalisis laporan keuangan PermataBank.

- Kemampuan memberikan masukan yang konstruktif mengenai permasalahan yang bersifat strategis.

- Kemampuan berkomunikasi dan menciptakan hubungan kerja yang efektif dan konstruktif dengan sesama anggota Komite Audit maupun dengan pihak lain.

- Sekurang-kurangnya 1 (satu) orang di antara anggota Komite Audit memiliki latar belakang keahlian di bidang keuangan/akuntansi dan 1 (satu) orang lainnya memiliki latar belakang keahlian hukum/perbankan.

• Anggota Direksi PermataBank maupun bank lain tidak diperbolehkan menjabat sebagai anggota Komite Audit.

• Ketua Komite Audit hanya dapat merangkap jabatan sebagai ketua komite lainnya paling banyak pada 1 (satu) komite lainnya.

• Komite Audit bersedia meningkatkan kompetensinya melalui pendidikan dan pelatihan selaras dengan bertambahnya kompleksitas operasional perbankan, serta melaksanakan program orientasi bagi anggota Komite Audit yang baru bergabung.

• Komite Audit wajib memastikan bahwa pengetahuan dan keahliannya tetap memadai dan dikinikan selaras dengan perkembangan usaha dan kondisi Bank.

- Does not have any direct or indirect share ownership in the Bank. In case an Audit Committee member receive shares due to a legal event, he/she must transfer the shares to other party no later than 6 (six) month after his/her appointment.

• Has dedication and integrity.- Audit Committee members collectively must have the

required competence to perform their responsibilities.

- Understanding on the Bank’s business, products, and service.

- Knowledge on the Bank’s audit process, risk management, and internal control.

- Understanding on the prevailing laws and regulations in banking, capital market, and other related laws and regulations.

- Ability to analyze the Bank’s financial statements.

- Ability to provide constructive recommendation on strategic matters.

- Ability to communicate and establish effective and constructive working relationship with other Audit Committee members as well as with other parties.

- At least 1 (one) of the Audit Committee members has finance/accounting background, and the other 1 (one) has legal/banking background.

• Director of the Bank or other bank is prohibited from being a member of the Audit Committee.

• Chairman of the Audit Committee is allowed to be the chairman in other committee at a maximum of 1 (one) committee.

• Audit Committee is willing to enhance their competence through the education and training commensurate with increasing complexity of banking operations, and organize orientation program for a newly appointed Audit Committee member.

• Audit Committee must ensure that their knowledge and expertise remain appropriate and updated with current developments affecting the Bank.

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Tugas, Tanggung Jawab dan Wewenang

Tugas dan Tanggung Jawab Mengacu kepada Piagam Komite Audit PermataBank, Komite Audit mengemban tugas dan tanggung jawab sebagai berikut:

• Pengendalian Internal - Mengkaji kecukupan dan efektivitas pengendalian

internal Bank.- Mengkaji kecukupan upaya Manajemen dalam

menindaklanjuti rekomendasi dari Auditor Internal maupun Auditor Eksternal serta hasil pengawasan OJK atau regulator lainnya.

- Mengevaluasi kecukupan upaya Manajemen dalam mengembangkan budaya kontrol.

- Mengkaji dan melaporkan kepada Dewan Komisaris pengaduan penting yang berkaitan dengan kegiatan Bank (apabila relevan).

- Komite Audit memberikan saran atas permintaan Dewan Komisaris yang meliputi ada atau tidaknya potensi benturan kepentingan terhadap pengajuan rencana transaksi afiliasi yang bernilai material yang disampaikan oleh Manajemen kepada Dewan Komisaris. Definisi transaksi afiliasi mengacu pada Peraturan OJK yang berlaku.

- Melakukan pemeriksaan terhadap dugaan adanya kesalahan dalam keputusan rapat Direksi atau penyimpangan dalam pelaksanaan hasil keputusan rapat Direksi. Pemeriksaan tersebut dapat dilakukan oleh Komite Audit atau pihak independen yang ditunjuk oleh Komite Audit atas biaya Bank.

- Menjaga kerahasiaan dokumen, data dan informasi Bank.

• Laporan Keuangan- Mengkaji atas informasi keuangan yang akan dikeluarkan

Bank kepada publik dan/atau pihak otoritas, antara lain laporan keuangan, proyeksi, dan laporan lainnya terkait dengan informasi keuangan Bank.

- Mengkaji laporan keuangan tahunan dan memastikan laporan tersebut telah lengkap dan konsisten dengan laporan keuangan sebelumnya.

- Mengkaji hasil pemeriksaan laporan keuangan yang dibuat oleh Auditor Eksternal.

Roles, Responsibilities and Authority

Roles and ResponsibilitiesIn accordance with the Audit Committee Charter of PermataBank, the Audit Committee carries out the duties and responsibilities as follows:• Internal Control

- To review the adequacy and effectiveness of the Bank’s internal control.

- To review the adequacy of follow-up actions taken by the Management on recommendations from the Internal and External Auditors as well as from OJK or other regulators.

- To evaluate the adequacy of Management’s efforts in developing control culture.

- To review and report to the BOC in regard to major complaints related to the Bank’s activities (if relevant).

- The Audit Committee provides recommendation at the request of BOC that includes whether there is potential conflict of interest in the submission of material affiliated transaction plan submitted by Management to BOC. The definition of affiliated transactions refers to prevailing OJK Regulations.

- To check on the indication of mistake in the decree of BOD or deviation on its implementation. Checking could be performed by the Audit Committee or any independent party appointed by the Audit Committee at the cost of the Bank.

- To keep Bank’s document, data, and information in confidential.

• Financial Statements- To review the financial information to be issued by the

Bank to the public and/or authority party including, financial statements, projection, and other reports related to Bank’s financial information.

- To review the annual financial statements and ensure the reports are complete and consistent with the previous financial statements.

- To review the audited financial statements performed by the External Auditor.


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- Mengkaji pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan Bank. Tata cara penanganan pengaduan atau pelaporan sehubungan dugaan pelanggaran terkait laporan keuangan mengacu pada ketentuan Bank.

• Satuan Kerja Audit Internal (SKAI)- Mengkaji kualitas pelaksanaan fungsi SKAI, yaitu dengan

mengkaji perencanaan, pelaksanaan, hasil dan efektivitas tindak lanjut atas temuan audit.

- Mengkaji laporan SKAI yang akan disampaikan kepada Dewan Komisaris.

- Mengkaji laporan pelaksanaan dan pokok-pokok hasil SKAI sebelum disampaikan kepada OJK.

- Menilai efektivitas SKAI.- Memastikan SKAI melakukan komunikasi dengan Direksi,

Dewan Komisaris, Dewan Pengawas Syariah, Auditor Ekstern, dan OJK.

- Memastikan SKAI menjunjung tinggi independensi dan integritas dalam pelaksanaan tugas.

- Memberikan rekomendasi kepada Dewan Komisaris terkait pengangkatan dan pemberhentian Kepala SKAI, Piagam SKAI, Rencana Audit Tahunan, Ruang Lingkup dan anggaran SKAI termasuk pemberian remunerasi dan penghargaan kinerja.

- Memastikan Direksi mengambil tindakan perbaikan yang diperlukan secara cepat untuk mengatasi kelemahan pengendalian internal, fraud, masalah kepatuhan terhadap kebijakan, undang-undang, dan peraturan, atau temuan lain yang diidentifikasi dan dilaporkan oleh SKAI yang diperkirakan dapat membahayakan Bank.

• Audit Eksternal- Mengkaji ruang lingkup dan pendekatan audit yang

digunakan Auditor Eksternal, dan memastikan bahwa tidak terdapat pembatasan ruang lingkup yang dapat mengaburkan atau membiaskan hasil audit.

- Mengkaji kecukupan hasil audit dan tindak lanjut yang dilakukan Manajemen atas hasil Auditor Eksternal.

- Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara Manajemen dan Auditor Eksternal atas jasa yang diberikannya.

- To review the complaint related to the Bank’s accounting and financial reporting processes. The handling procedures on complaints or reporting related to the suspicion on Bank’s financial statements refer to the Bank’s prevailing policy.

• Internal Audit- To review the quality of the work of Internal Audit by way

of evaluating the plan, the execution, the report of the Internal Audit as well as the effectiveness of the follow-up actions on the audit findings.

- To review the Internal Audit reports to the BOC.

- To review the report on the implementation of internal audit plan and key audit findings before submission to OJK.

- To evaluate the effectiveness of the Internal Audit.- To ensure Internal Audit communicates with the Board of

Directors, Board of Commissioners, Shariah Supervisory Board, External Auditors, and OJK.

- To ensure Internal Audit upholds the independency and integrity in carrying out assignments.

- To provide recommendations to the Board of Commissioners regarding the appointment and dismissal of the Head of Internal Audit, Internal Audit Charter, Annual Audit Plan, Audit Scope and budget as well as Internal Audit remuneration and performance awards.

- To ensure that the Board of Directors takes immediate corrective actions to overcome weaknesses in internal control, fraud, compliance issues toward the existing policies, laws and regulations, or other issues identified and reported by the Internal Audit that may jeopardize the Bank.

• External Audit- To review the audit scope and approach used by the

External Auditor, and ensure that there is no scope limitation that can obscure or bias the audit results.

- To review the adequacy of the audit results and of the follow-up actions taken by the Management on the External Auditor result.

- To provide independent opinion in the event of disagreement between the Management and External Auditor for services provided.

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- Menilai kualitas kinerja Auditor Eksternal dan memberikan rekomendasi kepada Dewan Komisaris berkaitan dengan penunjukan dan pemberhentian Kantor Akuntan Publik (KAP) yang didasarkan pada independensi, ruang lingkup penugasan, dan imbalan jasa.

• Perundang-undangan dan Peraturan yang berlaku- Mengkaji ketaatan Bank terhadap peraturan perundang-

undangan di bidang pasar modal, perbankan, dan peraturan perundang-undangan lainnya.

- Mengkaji hasil audit atas kepatuhan Bank terhadap peraturan perundang-undangan yang berlaku.

• Kebijakan Bank - Mengkaji Rencana Strategis.- Mengkaji Rencana Bisnis.- Mengkaji Laporan Tahunan. - Mengkaji Laporan Good Corporate Governance kepada

OJK.

WewenangUntuk menjalankan tugas dan tanggung jawabnya, Komite Audit harus diberi wewenang sebagai berikut.• Berkomunikasi langsung dengan karyawan, termasuk Direksi

dan pihak yang menjalankan fungsi audit internal, manajemen risiko, dan Akuntan terkait tugas dan tanggung jawab Komite Audit.

• Meminta pelaksanaan pemeriksaan khusus, bilamana diperlukan.

• Menugaskan kepada Satuan Kerja Audit Intern (SKAI) dan/atau pihak ketiga (profesional) yang independen dan dianggap kompeten/ahli untuk melakukan pengujian dan memberikan pendapat atas suatu masalah yang terkait dengan Bank.

• Mengakses secara penuh, bebas dan tidak terbatas terhadap catatan, karyawan, dana, aset serta sumber daya Bank lainnya.

• Dalam melaksanakan tugasnya, Komite Audit tidak melakukan audit langsung terhadap kegiatan usaha Bank.

• Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris.

- To assess the quality of the External Auditor’s performance and provide recommendations to the BOC with respect to the appointment and dismissal of public accounting firm based on independency, scope and fee.

• Prevailing Laws and Regulations - To review the Bank’s compliance to the prevailing laws

and regulations on capital market, banking, and other laws and regulations.

- To monitor the results of compliance audit to the prevailing laws and regulations.

• Bank’s Policy - To review the Strategic Plan.- To review the Business Plan. - To review the Annual Report. - To review the Report to OJK on Good Corporate

Governance.

AuthorityTo carry out his/her roles and responsibilities, the Audit Committee must be given the following authorities:• To direct communication to the employee, including BOD and

party who conduct function of audit intern, risk management, and External Auditor related to Audit Committee roles and responsibilities.

• To request for special audit, when necessary.

• To assign the Internal Audit and/or independent third party (professional) deemed to be competence to conduct an examination and give opinion over an issue related to the Bank.

• To have full, free and unlimited access to the records, employees, funds, assets and other Bank’s resources.

• In performing its roles, the Audit Committee does not conduct direct auditing of the Bank’s business activities.

• To perform other authorities granted by the Board of Commissioners.


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Pelaporan Komite AuditKomite Audit harus menyampaikan laporan berkala kepada Dewan Komisaris mengenai kegiatan Komite Audit, sekurang-kurangnya sekali dalam 3 (tiga) bulan. Komite Audit harus membuat laporan kepada Dewan Komisaris atas setiap penugasan yang diberikan dan/atau untuk setiap masalah-masalah yang diidentifikasi memerlukan perhatian Dewan Komisaris.

Laporan Pelaksanaan Kegiatan Komite Audit Tahun 2019Komite Audit telah melaksanakan beberapa kegiatan sesuai dengan fungsi, tugas dan tanggung jawab Komite antara lain yaitu:• Komite Audit mengadakan pertemuan rutin dengan Kantor

Akuntan Publik (KAP) termasuk jika diperlukan pendapat atau diskusi lebih lanjut dalam hal terdapat suatu isu yang perlu mendapat perhatian lebih. Komite Audit juga melakukan penelaahan kompetensi KAP dengan mengacu kepada keahlian, kinerja dan regulasi.

Berdasarkan hasil telaah tersebut, Komite Audit memberikan rekomendasi penunjukan KAP dan menyampaikannya kepada Dewan Komisaris untuk disetujui oleh Rapat Umum Pemegang Saham (RUPS).

• Komite Audit mengadakan pertemuan dengan Kantor Akuntan Publik (KAP) dan diskusi terkait rencana audit dan hasil audit (interim) untuk tahun 2019.

• Komite Audit telah melakukan pemantauan dan evaluasi terhadap perencanaan dan pelaksanaan audit serta tindak lanjut hasil audit dan melakukan kajian atas laporan keuangan PermataBank. Komite Audit telah melakukan kajian terhadap hal-hal tersebut melalui mekanisme rapat dengan pihak-pihak terkait dan laporan-laporan yang disampaikan.

• Komite Audit telah melakukan review terhadap pengkinian Piagam Internal Audit, Metodologi Audit, serta menyetujui pengajuan Rencana Kerja Audit, Perencanaan Sumber Daya Manusia dan Anggaran Audit tahun 2020.

• Komite Audit memperoleh update atas pelaksanaan audit terhadap pada area Syariah.

• Komite Audit melakukan diskusi atas masukan, pertimbangan atau pertanyaan dari berbagai Direktorat di PermataBank mengenai pelaksanaan audit melalui pertemuan Komite Audit.

Audit Committee ReportingAudit Committee must submit a periodic report to the Board of Commissioners regarding the activities of the Audit Committee, at least once in 3 (three) months. The Audit Committee must prepare a report to the Board of Commissioners on any given assignment and or for any issues identified to require the concern of the Board of Commissioners.

Activities Report From The Audit Committee In 2019Audit Committee have conducted activities in accordance with its functions, duties and responsibilities i.e.:• The Audit Committee conducted regular meetings with

the Public Accounting Firm (Kantor Akuntan Publik/KAP) including discussion on the particular issues which need more attention. The Audit Committee has reviewed the competence of KAP by referring to the skills, performance and regulations.

Based on the review result, the Audit Committee provided recommendations and submitted to the Board of Commissioners for approval in the Annual General Shareholders Meeting.

• The Audit Committee met Public Accounting Firm (KAP) and discussed their audit plan and interim audit findings of 2019 general audit.

• The Audit Committee monitored and evaluated the audit planning and execution as well as follow-up actions on the audit results and review on PermataBank financial statements. The Audit Committee reviewed the above issues by conducting meetings with the related parties and received reports.

• The Audit Committee reviewed the update on Internal Audit Charter, Audit Methodology, also approved 2020 Audit Plan, Man Power Planning and Internal Audit Budget.

• The Audit Committee was updated on the results of audit on shariah area.

• The Audit Committee discussed on the concerns and feedbacks raised by Directorates in PermataBank related to audit assignments during the Audit Committee meeting.

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Rapat dan Tingkat Kehadiran Komite AuditPiagam Komite Audit mengatur bahwa Komite Audit wajib menyelenggarakan rapat sekurang-kurangnya sekali dalam 3 (tiga) bulan dan dihadiri oleh sekurang-kurangnya 51% (lima puluh satu persen) dari anggota, termasuk Komisaris Independen dan pihak eksternal yang independen.

Sepanjang tahun 2019, Komite Audit telah mengadakan rapat sebanyak 10 (sepuluh) kali. Frekuensi dan tingkat kehadiran Komite Audit dalam Rapat Komite Audit adalah sebagai berikut:

NamaName



Jumlah KetidakhadiranTotal Absence

Tingkat KehadiranAttendance Level

David A Worth 10 8 2 80%

Haryanto Sahari 10 10 0 100%

Adi Pranoto Leman 10 10 0 100%

Handy Effendy Halim 10 9 1 90%

Agenda Rapat Komite AuditSepanjang tahun 2019 tanggal pelaksanaan, agenda rapat dan peserta rapat komite audit sebagai berikut:

No TanggalDate

Anggota Komite Audit Yang Hadir

Members of the Audit Committee Attended the

Meeting

AgendaAgenda


− David A Worth− Haryanto Sahari− Adi Pranoto Leman− Handy Effendy Halim

1. Update dari Auditor Eksternal mengenai Hasil Audit Laporan Keuangan Tahun 2018, Management Letter & Kajian Kredit

2. Paparan dari Direktorat Finance mengenai Financial Update/Review atas Draft Laporan Realisasi Rencana Bisnis Bank (RBB) Q4 2018; Financial Control Update dan Tax Update

3. Update dari Strategy Office mengenai Strategi PermataBank tahun 2018

4. Update dari Internal Audit mengenai Review atas Draft Laporan Semester 2 2019 kepada OJK; Review atas Draft Laporan Komite Audit kepada BoC Q4 2018; dan update Internal Audit Q4 2018

1. Update from External Auditor on 2018 Financial Results, Management Letter & Loan Review

2. Presentation from Finance Directorate on Financial Update/Review Draft Laporan Realisasi Rencana Bisnis Bank (RBB) Q4 2018; Financial Control Update and Tax Update

3. Update from Strategy Office on PermataBank Strategy 2018

4. Update from Internal Audit on Review on the Draft of H2 2019 Semi-Annual Internal Audit Report to OJK; Review on the Draft of the Audit Committee Report to BoC Q4 2018; and Internal Audit Update Q4 2018



1. Diskusi Komite Audit dengan Auditor Eksternal2. Paparan dari Direktorat Finance mengenai Hasil Audit

Laporan Keuangan Tahun 2018 (Audited); Review atas Draft Laporan Pengawasan Dewan Komisaris Semester 2 2018; dan Penunjukkan Kantor Akuntan Publik (KAP) tahun 2019 dan Evaluasi

3. Update dari Direktorat Legal & Compliance mengenai Risiko Legal; Compliance; Anti Money Laundering; dan Overview Fraud Indication

1. Audit Committee Discussion with External Auditor2. Presentation from Finance Directorate on 2018 Financial

Result (Audited); Review Draft BOC Supervisory Report H2 2018; and Appointment of Public Accounting Firm 2019 & Evaluation

3. Update from Legal & Compliance Directorate on Legal Risk; Compliance; Anti Money Laundering; and Overview of Fraud Indication

3 19 Maret 201919 March 2019


1. Update dari Direktorat Human Resources Update mengenai Highlight 2018 dan Rencana 2019

2. Update mengenai Risiko Operasional

1. Human Resources Directorate Update on Highlight 2018 and Plans 2019

2. Operational Risk Update

Audit Committee Meetings and AttendanceThe Audit Committee Charter stipulates that the Audit Committee must hold meetings at least once every 3 (three) months and the meetings must be physically attended at least 51% (fifty one percent) of the total members, including Independent Commissioners and independent external parties.

During 2019, the Audit Committee held 10 (ten) meetings. Frequency and attendance of Audit Committee meetings are as follows:

Agenda of Audit Committee MeetingIn 2019, the dates, agendas and participants of Audit Committee meetings are as follows:


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No TanggalDate

Anggota Komite Audit Yang Hadir

Members of the Audit Committee Attended the

Meeting

AgendaAgenda

4 22 April 201922 April 2019


1. Paparan dari Direktorat Finance mengenai Financial Update/Review atas Draft Laporan Realisasi RBB Q1 2019; Update Financial Control dan Tax

2. Update dari Network mengenai Overview Network; Financial Performance; KPI & Scorecard Network; Business Strategy/Initiatives 2019; Branch Control & Process Improvement; dan Network Going Forward

3. Review atas Draft Laporan Komite Audit Q1 2019

4. Update dari Internal Audit Q1 2019

1. Presentation from Finance Directorate on Financial Update/Review Draft Laporan Realisasi RBB Q1 2019; Financial Control Update; and Tax Update

2. Update from Network on Network Overview; Financial Performance; Network KPI & Scorecards; 2019 Business Strategy/Initiatives; Branch Control & Process Improvement; and Network Going Forward

3. Review on the Draft of the Audit Committee Report to BoC Q1 2019

4. Internal Audit Update Q1 2019

5 14 Mei 201914 May 2019

− Haryanto Sahari− Adi Pranoto Leman− Handy Effendy Halim

1. Update dari Direktorat Technology & Operations (T&O) antara lain Overview T&O; Operating Volume; Cost; Head Count; Service Level T&O, dan Operations Productivity; High Severity Incidents; Digitization in Action; Digital Road Map; and Health, Safety & Environment

2. Update dari Direktorat Retail Banking antara lain Financial Highlight; Portfolio Quality; dan Operational Risk Performance

1. Update from Technology & Operations (T&O) Directorate such as T&O Overview; Operating Volume; Cost; Head Count; Service Level on T&O, and Operations Productivity; High Severity Incidents; Digitization in Action; Digital Road Map; and Health, Safety & Environment

2. Update from Retail Banking Directorate such as Financial Highlight; Portfolio Quality; and Operational Risk Performance

6 22 Juli 201922 July 2019


1. Paparan dari Direktorat Finance mengenai Financial Update/Review Draft Laporan Realisasi RBB Q2 2019; Update atas Financial Control dan Tax

2. Update dari Global Market (GM) antara lain GM performance; FIT & FX Trading Position; dan Operational Loss Update

3. Review atas Draft Laporan Komite Audit kepada BoC Q2 2019

4. Update/Review atas Draft Laporan Internal Audit kepada OJK Semester 1 2019

5. Update dari Internal Audit Q2 2019

1. Presentation from Finance Directorate on Financial Update/Review Draft Laporan Realisasi RBB Q2 2019; Financial Control Update; and Tax Update

2. Update from Global Market (GM) such as GM performance; FIT & FX Trading Position; and Operational Loss Update

3. Review on Draft of the Audit Committee Report to BoC Q2 2019

4. Update/Review on the Draft of H1 2019 Semi-Annual Internal Audit Report to OJK

5. Internal Audit Update Q2 2019


− David A Worth − Haryanto Sahari− Adi Pranoto Leman− Handy Effendy Halim

1. Diskusi Komite Audit dengan Auditor Eksternal mengenai Rencana Audit untuk periode yang berakhir 31 Desember 2019

2. Review atas Draft Laporan Pengawasan Dewan Komisaris Semester 1 2019

3. Update dari Wholesale Banking & SME Risk mengenai WB & SME Risk Overview; Methodology for SME EAR/Assessment; dan Latest progress on SME assessment

4. Hasil Audit OJK

1. Audit Committee Discussion with External Auditor on Audit Plan for the period ending 31 December 2019

2. Review Draft BoC Supervisory Report H1 2019

3. Update from Wholesale Banking & SME Risk on WB & SME Risk Overview; Methodology for SME EAR/Assessment; and Latest progress on SME assessment

4. OJK Audit Result


− David A Worth − Haryanto Sahari− Adi Pranoto Leman

1. Review atas Jadwal dan Agenda Kerja Komite Audit tahun 2020

2. Update dari Integrated & Operational Risk Management (ORM) antara lain mengenai ORM Overview; ORM Focus; Plan 2020 and Top Operational Risk Issues

3. Update dari Direktorat Wholesale Banking mengenai Financial Highlight; dan Business Update

4. Update dari SFK mengenai Audit Overview dan Business Update

1. Review on the Audit Committee Meeting Schedule and Working Agenda 2020

2. Update from Integrated & Operational Risk Management (ORM) such as ORM Overview; ORM Focus; Plan 2020 and Top Operational Risk Issues

3. Update from Wholesale Banking Directorate on Financial Highlight; and Business Update

4. Update from SFK on Audit Overview and Business Update


− Haryanto Sahari− Adi Pranoto Leman− Handy Effendy Halim

1. Paparan dari Direktorat Finance mengenai Hasil Audit Laporan Keuangan Q3 2019; Realisasi RBB Q3 2019; serta Update atas Financial Control, Tax dan ALCO Regulatory Metrics

2. Sesi diskusi dengan Syariah and Dewan Pengawas Syariah (DPS) mengenai Business Performance; dan Laporan Pengawasan DPS

3. Review atas Draft Laporan Komite Audit kepada Dewan Komisaris Q3 2019

4. Sesi Internal Audit mengenai Update dari Internal Audit Q3 2019; Rencana Audit dan Anggaran Internal Audit tahun 2020

1. Presentation from Finance Directorate on Q3 2019 Financial Result; Q3 2019 RBB Realization; Financial Control Update; Tax Update; and ALCO Regulatory Metrics

2. Syariah and Dewan Pengawas Syariah (DPS) Session on Business Performance; and DPS Supervisory Report

3. Review on the Draft of The Audit Committee Report to BoC Q3 2019

4. Internal Audit session concerning of Internal Audit Update Q3 2019; 2020 Internal Audit Plan; and 2020 Internal Audit Budget



1. Update dari Auditor Eksternal mengenai Interim Audit Results; dan Cyber Security Review

2. Update dari Direktorat Finance mengenai Business Plan tahun 2020

3. Update dari Direktorat Legal & Compliance mengenai Compliance Regulatory Affairs; Compliance Monitoring; Anti Money Laundering; dan Legal & Litigation

4. Update dari Direktur Utama mengenai Market Landscape; Strategic Direction (termasuk People and Digital Strategy); dan Financial Highlight

5. SME Assessment untuk Group Exposure6. SME Banking Update & Planning Semester 2 20197. Proposal Risk Tolerance for State Owned Enterprise

Limit

1. Update from External Auditor on Interim Audit Results; and Cyber Security Review

2. Update from Finance Directorate on the 2020 Business Plan

3. Update from Legal & Compliance Directorate on Compliance Regulatory Affairs; Compliance Monitoring; Anti Money Laundering; and Legal & Litigation.

4. Update from President Director on Market Landscape; Strategic Direction (including People and Digital Strategy); and Financial Highlight

5. SME Assessment for Group Exposure6. SME Banking Update & Planning 2H 20197. Proposal Risk Tolerance for State Owned Enterprise Limit

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Pernyataan Komite Audit atas Efektivitas Sistem Pengendalian Intern dan Manajemen RisikoSistem pengendalian intern yang dilakukan oleh PermataBank dinilai telah berjalan efektif dan memadai tercermin dari efektivitas pelaksanaan fungsi-fungsi pengendalian intern, antara lain fungsi audit internal, manajemen risiko, kepatuhan, finansial dan operasional kontrol.

Rencana Kerja Komite Audit Tahun 2020Pada 2020, Komite Audit telah menetapkan rencana kerja dengan memberikan prioritas strategis sebagai berikut:1. Kajian terhadap akuntabilitas dan transparansi laporan

keuangan.2. Kajian terhadap ketahanan struktur kepatuhan dan

pengendalian intern Bank.3. Kajian terhadap efektivitas pencegahan, deteksi, dan

investigasi fraud.4. Kajian terhadap Anti Money Laundering Act.5. Kajian terhadap Cyber Security.

Secara rinci, Bank menyediakan informasi mengenai komposisi, struktur dan persyaratan keanggotaan, tugas dan tanggung jawab, wewenang, penyelenggaraan rapat dan pelaporan Komite Audit tercantum pada Piagam Komite Audit yang telah diunggah pada situs web Bank.

Statement of Audit Committee on the Effectiveness of Internal Control System and Risk ManagementThe internal control system performed by PermataBank was considered effective and adequate, reflected in the effectiveness of the implementation of internal control functions, including internal audit function, risk management, compliance, financial and operational controls.

Audit Committee Work Plans for 2020In 2020, the Audit Committee’s work plan has established the following strategic priorities:1. Accountability and transparency of financial Statements

review.2. Resilience of the Bank’s compliance structure and internal

control review.3. Effectiveness of fraud prevention, detection and investigation

review.4. Anti-Money Laundering Act review.5. Cyber Security review.

The Bank provides detail information concerning the Audit Committee composition, membership structure and requirements, roles and responsibilities, authority, conduct of meetings, and reports in the Audit Committee Charter that has been uploaded on the Bank’s website.


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KOMITE REMUNERASI DAN NOMINASIKomite Remunerasi dan Nominasi dibentuk dengan tujuan membantu Dewan Komisaris melaksanakan tugas dan tanggung jawab Dewan Komisaris.

Dasar HukumPembentukan Komite Remunerasi dan Nominasi berdasarkan peraturan-peraturan sebagai berikut:1. Undang-Undang No. 7 Tahun 1992 sebagaimana diubah

dengan Undang-Undang No. 10 Tahun 1998 tentang Perbankan.

2. POJK No. 55/POJK.03/2016 tanggal 09 Desember 2016 tentang Penerapan Tata Kelola Bagi Bank Umum.

3. SE OJK No. 13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola Bagi Bank Umum.

4. Anggaran Dasar Bank mengenai Tugas dan Wewenang Dewan Komisaris.

5. POJK No. 34/POJK.04/2014 tentang Komite Nominasi dan Remunerasi Emiten atau Perusahan Publik.

6. POJK No. 21/POJK.04/2015 Tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka.

Struktur dan Keanggotaan Komite Remunerasi dan NominasiStruktur dan keanggotaan Komite Remunerasi dan Nominasi telah sesuai dengan ketentuan Otoritas Jasa Keuangan. Komite Remunerasi dan Nominasi diketuai oleh Komisaris Independen dengan anggota satu orang Komisaris Independen, dua orang Komisaris dan satu orang Pejabat Eksekutif yang memiliki pengetahuan sistem remunerasi dan nominasi.

Sesuai Surat Keputusan Direksi PermataBank No. 05/2018 tanggal 30 April 2018, susunan Komite Remunerasi dan Nominasi per tanggal 31 Desember 2019 adalah sebagai berikut:

REMUNERATION AND NOMINATION COMMITTEEThe Remuneration and Nomination Committee was established for the purpose of assisting the Board of Commissioners in the implementation of the Board of Commissioners’ duties and responsibilities.

Legal BasisThe Remuneration and Nomination Committee was established based on the following regulations:1. Law No. 7 Year 1992, which was amended with Law No. 10

Year 1998 concerning Banking.

2. POJK No. 55/POJK.03/2016 dated 09 December 2016 concerning the Implementation of Good Corporate Governance by Commercial Banks.

3. SE OJK No. 13/SEOJK.03/ 2017 dated 17 March 2017 concerning the Implementation of Good Corporate Governance by Commercial Banks.

4. Articles of Association of the Bank concerning the Roles and Authorities of the Board of Commissioners.

5. POJK No. 34/POJK.04/2014 concerning Remuneration and Nomination Committee for Public Company.

6. POJK No. 21/POJK.04/2015 regarding implementation guideline of Good Corporate Governance.

Structure and Membership of Remuneration and Nomination CommitteeThe structure and membership of Remuneration and Nomination Committee is formulated pursuant to regulations of Otoritas Jasa Keuangan. The Remuneration and Nomination Committee is chaired by an Independent Commissioner and its membership comprises one Independent Commissioner, two Commissioners, and an Executive Officer who has expertise on remuneration and nomination.

Based on PermataBank Board of Directors Decree No. 05/2018 dated 30 April 2018, the composition of the Remuneration and Nomination Committee as of 31 December 2019 is as follows:

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JabatanPosition

NamaName

KedudukanPosition

Periode*)

Term Period

KetuaChairman Zulkifli Zaini Komisaris Independen


30 April – Closing of AGMS 2020

AnggotaMember

David A. Worth Komisaris IndependenIndependent Commissioner

30 April 2018 - Penutupan RUPST 202030 April – Closing of AGMS 2020

Sebastian Ramon Arcuri Komisaris UtamaPresident Commissioner


Suparno Djasmin Wakil Komisaris UtamaVice President Commissioner


Eni W. Soetarso Pejabat EksekutifExecutive Officer


*) Catatan | Note: sesuai masa tugas terakhir | in accordance with the latest term of office

Periode JabatanSesuai Surat Keputusan Direksi PermataBank No. 05/2018 tanggal 30 April 2018 perihal Susunan Anggota Komite Remunerasi dan Nominasi PT Bank Permata Tbk, periode jabatan anggota Komite Remunerasi dan Nominasi adalah tanggal 30 April 2018 sampai dengan Penutupan RUPS Tahunan 2020.

Profil Anggota komite Remunerasi dan Nominasi dan Informasi Pendidikan/Pelatihan Selama Tahun 2019

ProfilProfile


Zulkifli Zaini



David A. Worth



Sebastian Ramon Arcuri



Term Period In accordance PermataBank Board of Directors Decree No. 05/2018 dated 30 April 2018 concerning Composition of Members of the Remuneration and Nomination Committee PT Bank Permata Tbk, the term period of Remuneration and Nomination Committee’s members is 30 April 2018 until closing of Annual GMS 2020.

Profile of Remuneration and Nomination Committee’s Members and Information of Workshops/Trainings in 2019


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ProfilProfile


Suparno Djasmin



Eni W. Soetarso



Pelatihan Komite Remunerasi dan Nominasi selama tahun 2019Training for Remuneration and Nomination Committee in 2019

ProfilProfile

Pendidikan/Pelatihan Selama Tahun 2019Workshop/Training in 2019

Zulkifli Zaini Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi:1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 Oktober 2019).2. Diskusi Panel “Peranan dan Tanggung Jawab Komisaris Independen sebagai Ketua Komite (sebagai pembicara), Jakarta (27

November 2019).

During 2019, he has participated in competence enhancement training:1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 October 2019).2. Panel Discussion ”the Roles and Responsibilities of Independent Commissioner as a Committee Chairman” (as speaker), Jakarta

(27 November 2019).

David A. Worth Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi:1. “Analysis of Sovereign & Country Risk” diselenggarakan oleh Moody’s Analytics, di Singapura (21-22 November 2019).

During 2019, he has participated in competence enhancement training:1. “Analysis of Sovereign & Country Risk” organized by Moody’s Analytics in Singapore (21-22 November 2019).

Sebastian Ramon Arcuri Selama tahun 2019, beiau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. Enterprise Risk Management Framework, diadakan oleh Standard Chartered (21 Januari 2019).2. CORE ORMAF – Risk Management Refreshment (21 Februari 2019).3. IFRS9 – key drivers and business implications in Retail Banking, diadakan oleh Standard Chartered (11 Maret 2019).4. Inclusive Leadership Program, diadakan oleh Standard Chartered (30 April 2019). 5. Adobe Symposium in Australia (Digital Banking) (27 – 28 Juni 2019).6. Information and Cyber Security Teach in Session (16 Juli 2019).7. Anti-Money Laundering & Counter Terrorist Financing, diadakan oleh Standard Chartered (10 September 2019). 8. Rejecting Bribery & Corruption, diadakan oleh Standard Chartered (24 September 2019).9. Understanding Sanctions, diadakan oleh Standard Chartered (27 September 2019). 10. FINTECH in SG (11-12 November 2019.

During 2019, he has participated in competence enhancement trainings, such as: 1. Enterprise Risk Management Framework, held by Standard Chartered (21 January 2019). 2. CORE ORMAF – Risk Management Refreshment (21 February 2019).3. IFRS9 – key drivers & business implications in Retail Banking, held by Standard Chartered (11 March 2019).4. Inclusive Leadership Program, held by Standard Chartered (30 April 2019).5. Adobe Symposium in Australia (Digital Banking) (27 – 28 June 2019).6. Information and Cyber Security Teach in Session (16 July 2019).7. Anti-Money Laundering & Counter Terrorist Financing, held by Standard Chartered (10 September 2019).8. Rejecting Bribery & Corruption, held by Standard Chartered (24 September 2019). 9. Understanding Sanctions, held by Standard Chartered (27 September 2019).10. FINTECH in SG (11-12 November 2019).

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ProfilProfile


Suparno Djasmin Selama tahun 2019, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. Sharing Session on Leadership Role (sebagai pembicara), Asosiasi Perusahaan Pembiayaan Indonesia (APPI), Jakarta (20 Juni 2019).2. Digital and Risk Management in Insurance Seminar 2019, Asosiasi Asuransi Jiwa Indonesia (AAJI), Bali (25-27 September 2019).

During 2019, he has participated in some competence enhancement trainings, as follows: 1. Sharing Session on Leadership Role (as the speaker), AAPI, Jakarta (20 June 2019).2. Digital and Risk Management in Insurance Seminar 2019, AAJI, Bali (25-27 September 2019).

Eni W. Soetarso Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi, sebagai berikut: 1. Sponsor Leadership Development Program 2019-20202. Leadership Program, Vision & Business Sense and Leading Motivating 2019

During 2019, she has participated in competence enhancement training:1. Sponsor Leadership Development Program 2019-20202. Leadership Program, Vision & Business Sense and Leading Motivating 2019

Pedoman KerjaKomite Remunerasi dan Nominasi memiliki pedoman kerja yang dituangkan dalam dokumen Piagam Komite Remunerasi dan Nominasi, yang terakhir diperbarui pada tanggal 29 Agustus 2017.

Independensi Anggota Komite Remunerasi dan NominasiKomite Remunerasi dan Nominasi memiliki kedudukan yang independen, yang dinyatakan dengan:- Ketua dan anggota Komite Remunerasi dan Nominasi diangkat

dan diberhentikan oleh Dewan Komisaris. Pengangkatan Ketua dan anggota komite dilakukan oleh Direksi berdasarkan keputusan rapat Dewan Komisaris.

- Ketua dan anggota Komite Remunerasi dan Nominasi harus bebas dari pengaruh Direksi dan pihak lain yang direkrut oleh PermataBank.

- Komite Remunerasi dan Nominasi hanya menerima penugasan dari Dewan Komisaris dan bertanggung jawab kepada Dewan Komisaris.

- Ketua Komite Remunerasi dan Nominasi hanya dapat merangkap jabatan sebagai ketua komite pada paling banyak 1 (satu) komite lainnya.

Tugas dan Tanggung JawabTugas dan tanggung jawab Komite Remunerasi dan Nominasi diatur menurut bidang masing-masing, yaitu:

Bidang Remunerasi- Melakukan evaluasi terhadap kebijakan remunerasi Dewan

Komisaris, Direksi, Dewan Pengawas Syariah serta anggota

Working Guideline The Remuneration and Nomination Committee has working guideline in the form of Remuneration and Nomination Committee Charter document, which lastly amended on 29 August 2017.

Independence of Remuneration and Nomination CommitteeThe Remuneration and Nomination Committee has an independent position, therefore:- The Chairman and members of the Remuneration and

Nomination Committee are appointed and dismissed by the Board of Commissioners. Appointment of Chairman and members of the committee is done by Board of Directors based on meeting resolution of the Board of Commissioners.

- The Chairman and members of the Remuneration and Nomination Committee shall be independent from the Board of Directors’ influence and other parties employed by PermataBank.

- The Remuneration and Nomination Committee only receives tasks from the Board of Commissioners and is accountable to the Board of Commissioners.

- The Chairman of The Remuneration and Nomination Committee shall only be allowed to hold dual position as the Chairman of no more than 1 (one) other committee.

Duties and Responsibilities The Remuneration and Nomination Committee duties and responsibilities are stipulated based on each field, namely:

Remuneration − Evaluate the remuneration policy of the Board of

Commissioners, the Board of Directors, Shariah Supervisory


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Independen komite Dewan Komisaris paling kurang satu tahun sekali.

- Melakukan evaluasi periodik terhadap kinerja Dewan Komisaris dan Direksi secara keseluruhan untuk periode tahun yang terkait.

- Memberikan rekomendasi kepada Dewan Komisaris mengenai remunerasi Dewan Komisaris dan Direksi untuk disampaikan dalam Rapat Umum Pemegang Saham.

- Memberikan rekomendasi mengenai remunerasi Dewan Pengawas Syariah untuk disampaikan dalam Rapat Umum Pemegang Saham.

- Komite Remunerasi dan Nominasi memberikan rekomendasi kepada Dewan Komisaris mengenai:1. Terkait fungsi Remunerasi:

a. Struktur Remunerasi termasuk:a.1. gajia.2. honorariuma.3. insentif; dan/ataua.4. tunjangan yang bersifat tetap dan/atau variable

b. Kebijakan Remunerasi; danc. Besaran Remunerasi.

2. Membantu Dewan Komisaris melakukan penilaian kinerja dengan kesesuaian yang diterima masing-masing anggota Direksi dan/atau anggota Dewan Komisaris.

- Memastikan bahwa kebijakan remunerasi paling kurang sesuai dengan:1. Peraturan perundang-undangan dan regulasi yang

berlaku;2. Kinerja keuangan dan pemenuhan cadangan

sebagaimana diatur dalam peraturan dan perundang-undangan yang berlaku;

3. Prestasi kerja individual;4. Remunerasi yang berlaku pada industri Perbankan; dan 5. Target kinerja Bank secara keseluruhan dan target kinerja

masing-masing anggota Direksi yang dikaitkan dengan pencapaian Bank dan pencapaian anggota Direksi.

Nominasi- Memberikan rekomendasi kepada Dewan Komisaris

mengenai:a. Komposisi jabatan anggota Direksi dan/atau anggota

Dewan Komisaris.

Board and Independent member of the Board of Commissioners’ committee at least once a year.

- Conduct a periodic review on the Board of Commissioners and Board of Directors overall performance for the respective period/year.

- Provide recommendations to the Board of Commissioners on the remuneration of the Board of Commissioners and Board of Directors to be proposed to the General Meeting of Shareholders.

- Provide recommendations on the remuneration of the Shariah Supervisory Board to be proposed to the General Meeting of Shareholders.

- Remuneration and Nomination Committee shall giving recommendation to the Board of Commissioners regarding: 1. Related to Remuneration function:

a. Remuneration Structure including: a.1. salarya.2. honorariuma.3. Incentive; and/or a.4. fixed and/or variable allowance

b. Remuneration Policy; and c. Remuneration Amount.

2. Assisting the Board of Commissioners to review performance appraisal with acceptable conformity of each member of the Board of Directors and/or Board of Commissioners.

- Ensure that the remuneration policy is at least in line with:

1. Prevailing laws and regulations;

2. The financial performance and fulfillment of reserves as stipulated in the prevailing laws and regulations;

3. Individual performance; 4. Applicable remuneration to Banking industry; and 5. The overall Bank’s performance target and the Board of

Directors’ performance target link with the Bank’s overall achievement and the Board of Directors’ achievement.

Nomination - Provide recommendations to the Board of Commissioners on:

a. Composition of office of the Board of Directors and/or members of the Board of Commissioners.

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b. Kebijakan dan kriteria yang dibutuhkan dalam proses Nominasi.

c. Kebijakan evaluasi kinerja bagi anggota Direksi dan/atau anggota Dewan Komisaris.

- Menominasikan calon anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan kepada Rapat Umum Pemegang Saham.

- Membantu Dewan Komisaris melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris berdasarkan tolok ukur yang telah disusun sebagai bahan evaluasi paling kurang 1 (satu) kali dalam 1 (satu) tahun.

- Memberikan rekomendasi kepada Dewan Komisaris mengenai program pengembangan kemampuan anggota Direksi dan/atau anggota Dewan Komisaris.

- Menominasikan calon anggota Dewan Pengawas Syariah untuk disampaikan kepada Rapat Umum Pemegang Saham.

- Memberikan rekomendasi kepada Dewan Komisaris mengenai Pihak Independen yang akan menjadi anggota:a. Komite Audit b. Komite Pemantau Risiko

Suksesi Direksi1. Komite Remunerasi dan Nominasi menyusun dan memberikan

rekomendasi mengenai sistem serta prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi untuk disampaikan kepada Rapat Umum Pemegang Saham.

2. Memberikan rekomendasi mengenai calon anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada rapat umum pemegang saham.

3. Menyusun kebijakan suksesi Direksi. 4. Melakukan kajian minimal 1 (satu) tahun sekali atas talenta

Bank yang dikategorikan sebagai calon suksesi Direksi dan melakukan evaluasi perkembangan calon suksesi Direksi.

5. Komite mengutamakan calon dari internal Bank apabila terdapat perubahan Direksi sebelum mencari calon dari luar Bank.

Pelaporan Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi menyusun dan menyampaikan laporan atas kegiatannya kepada Dewan Komisaris.

b. Policy and criteria required in the Nomination process.

c. Performance evaluation policy for members of the Board of Directors and/or members of the Board of Commissioners.

- Nominate candidates of the Board of Commissioners and Board of Directors to the Board of Commissioners to be proposed at the General Meeting of Shareholders.

- To assist the Board of Commissioners to assess the performance of members of the Board of Directors and/ or members of the Board of Commissioners based on the objectives that have been set as evaluation material at least once per annum.

- Provide recommendations to the Board of Commissioners on development program for members of the Board of Directors and/or members of the Board of Commissioners.

- Nominate candidates of the Shariah Supervisory Board to be proposed to the General Meeting of Shareholders.

- Provide recommendations to the Board of Commissioners on Independent members of: a. Audit Committee b. Risk Monitoring Committee

Board of Directors’ Succession 1. The Remuneration and Nomination Committee shall prepare

and provide recommendations on the system and procedures for the selection and/or replacement of members of the Board of Commissioners and Board of Directors to be submitted to the General Meeting of Shareholders.

2. To give recommendation regarding candidate for the Board of Commissioners and/or the Board of Directors to the Board of Commissioners to be submitted in the General Meeting of Shareholders.

3. Establish a policy for Board of Directors succession.4. Establish a Bank talent review at least once a year for those

categorized as Board of Directors succession and evaluate development of candidate for Board of Directors succession.

5. Committee to prioritize candidate from the internal Bank if there is a change of the Board of Directors before seeking for the external candidate.

Remuneration and Nomination Committee Reporting The Remuneration and Nomination Committee shall be obliged to prepare and submit a report on its activities to the Board of Commissioners.


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Laporan Pelaksanaan Kerja Komite Remunerasi dan Nominasi Tahun 2019Beberapa rekomendasi yang dikeluarkan oleh Komite Remunerasi dan Nominasi di tahun 2019 terdiri dari:

- Penilaian kinerja Dewan Komisaris.- Penilaian kinerja Direksi.- Pengkinian remunerasi jangka pendek maupun jangka

panjang Direksi.- Bonus dan kenaikan gaji untuk karyawan. - Nominasi Direktur baru, baik kandidat internal maupun

eksternal.

Frekuensi Rapat Komite Remunerasi dan NominasiSepanjang 2019, Komite Remunerasi dan Nominasi telah mengadakan 7 (tujuh) kali rapat, dengan tingkat kehadiran tiap anggota Komite Remunerasi dan Nominasi dalam rapat tersebut adalah sebagai berikut:

NamaName


KehadiranTotal Attendance

KetidakhadiranTotal Absence

(%) Kehadiran% Attendance


David A. Worth 7 7 0 100

Sebastian Ramon Arcuri 7 7 0 100

Suparno Djasmin 7 6 1 86

Eni W. Soetarso 7 7 0 100

Agenda Rapat Komite Remunerasi dan NominasiSepanjang tahun 2019 tanggal pelaksanaan, agenda rapat dan peserta rapat Komite Remunerasi dan Nominasi sebagai berikut:

No TanggalDate

Anggota Komite Remunerasi dan Nominasi Yang Hadir

Members of the Remuneration and Nomination Committee

Attended the Meeting

AgendaAgenda


− Zulkifli Zaini− Sebastian Arcuri− Suparno Djasmin− David Worth− Eni W. Soetarso

1. Pencapaian Bank dan Direktorat tahun 20192. Review rencana KPI 2019, Bank Wide dan Direktorat3. Review kinerja Direksi tahun 2018 dan proposal bonus4. Review bonus pool karyawan tahun 2018 dan proposal

kenaikan gaji karyawan tahun 2019

1. 2018 Bank Wide & Directorates KPI Achievements 2. 2019 Bank Wide & Directorates KPI Plan3. BOD Performance Review and Proposed Bonus 20184. Staff Performance Bonus Distribution 2018 and Salary

Review 2019



1. Long Term Incentive Plan Design (WTW)2. Biaya untuk Dewan Komisaris dan DPS tahun 2019

1. Long Term Incentive Plan Design (WTW)2. BOC and DPS Cost 2019

3 27 Maret 201927 March 2019


1 Update terkait project 1. Update on Project

Report from the Remuneration and Nomination Committee in 2019The Remuneration and Nomination Committee generated a number of recommendations in 2019, which consist of the following:- Board of Commissioners performance review.- Board of Directors performance review.- Review on remuneration for the Board of Directors, for long-

term and short-term.- Employee performance bonus and salary adjustment.- Nomination for new member of the Board of Directors, from

internal and external candidate.

Meetings Frequency and Attendance

In 2019, the Remuneration and Nomination Committee held 7 (seven) meetings, with the following record of attendance:

Agenda of Remuneration and Nomination Committee MeetingIn 2019, the dates, agendas and participants of Remuneration and Nomination Committee meetings are as follows:

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No TanggalDate

Anggota Komite Remunerasi dan Nominasi Yang Hadir

Members of the Remuneration and Nomination Committee

Attended the Meeting

AgendaAgenda

4 23 April 201923 April 2019


1. Update terkait project 1. Update on Project



1. Review tengah tahun 2019 pencapaian Bank Wide dan Direktorat

2. Review kinerja Direksi tangah tahun 20193. Nominasi untuk Direktur Risiko

1. Bank Wide and Directorate KPI Mid-Year Achievement 2019

2. BOD Mid-year review 20193. Nomination of Risk Director


− Zulkifli Zaini− Sebastian Arcuri− David Worth− Eni W. Soetarso

1. Review talenta bank tahun 2019.2. Diskusi untuk posisi Chief Credit Officer

1. Bank Wide Talent Review 20192. Discussion on Chief Credit Officer Position



1. Prognosis untuk pencapaian Bank Wide dan Direktorat2. Bonus pool karyawan tahun 2019 (dibayarkan di tahun

2020)3. Rencana KPI 2020, Bank Wide dan Direktorat

1. Prognosis Bank Wide and Directorate KPI Achievement 2019

2. Staff Performance Bonus Pool 2019 (Payout in 2020)3. Bank Wide and Directorate KPI Plan 2020

Rencana Kerja Komite Remunerasi dan Nominasi Tahun 2020Pada 2020, Komite Remunerasi dan Nominasi telah menetapkan rencana kerja dengan memberikan prioritas strategis sebagai berikut:1. Pencapaian Final Bank Wide & Direktorat Tahun 20192. Review rencana KPI 2020, Bank Wide dan Direktorat3. Review tengah tahun 2020 pencapaian Bank dan Direktorat

4. Review kinerja Direksi tahun 2019 dan tengah tahun 2020

5. Review bonus pool karyawan tahun 2019 (dibayarkan di tahun 2020) dan proposal kenaikan gaji karyawan tahun 2020

6. Nominasi Dewan Komisaris dan Direksi7. Rapat Umum Pemegang Saham Tahunan 8. Review talenta Bank tahun 2020

Remuneration and Nomination Committee Work Plans for 2020In 2020, the Remuneration and NominationCommittee’s work plan has established the following strategic priorities:1. Final Bank Wide & Directorate KPI achievement 2019 2. Review on KPI plan 2020, BankWide and Directorate3. Mid-Year Review of the Bank & Directorate KPI achievement

20204. Individual Director Performance Review 2019 and Mid-Year

Review 20205. Review on Employee Performance Bonus Pool 2019 (payout

in 2020) and Proposed Salary Increment 20206. Nomination of the Board of Commissioners and Directors7. Annual General Meeting of the Shareholders8. Bank talent Review 2020


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KOMITE PEMANTAU RISIKO (RMOC)Komite Pemantau Risiko dibentuk dengan tujuan membantu Dewan Komisaris melaksanakan tugas dan tanggung jawab Dewan Komisaris.

Dasar HukumPembentukan Komite Pemantau Risiko berdasarkan peraturan-peraturan sebagai berikut:1. Anggaran Dasar Bank mengenai tugas dan wewenang

Komisaris.2. POJK no. 55/POJK.03/2016 tentang Penerapan Tata Kelola

bagi Bank Umum 3. POJK no. 42/POJK.03/2017 tentang Kewajiban Penyusunan

dan Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank bagi Bank Umum

4. SEOJK no. 13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum

5. Surat Keputusan Direksi PT Bursa Efek Indonesia (BEI) No. Kep-00183/BEI/12-2018 tanggal 26 Desember 2018 perihal Perubahan Peraturan Nomor I-A tentang Pencatatan Saham dan Efek bersifat Ekuitas selain Saham yang diterbitkan oleh Perusahaan Tercatat.

Pedoman KerjaKomite Pemantau Risiko memiliki pedoman kerja yang dituangkan dalam dokumen Piagam Komite Pemantau Risiko, yang terakhir diperbarui pada tanggal 2 Desember 2019.

Struktur dan Keanggotaan

Struktur dan keanggotaan Komite Pemantau Risiko telah sesuai dengan ketentuan Otoritas Jasa Keuangan. Komite Pemantau Risiko diketuai oleh Komisaris Independen.

Anggota lainnya adalah 1 (satu) orang Komisaris, 1 (satu) orang Komisaris Independen, dan 2 (dua) orang Pihak Independen yang memiliki keahlian di bidang manajemen risiko dan bidang keuangan. Sesuai Surat Keputusan Direksi PermataBank No. 04/2018 tanggal 30 April 2018, susunan anggota Komite Pemantau Risiko per tanggal 31 Desember 2019 adalah:

RISK MONITORING COMMITTEE (RMOC)The Risk Monitoring Committee was established for the purpose of assisting the Board of Commissioners in the implementation of the Board of Commissioners’ duties and responsibilities.

Legal BasisThe Risk Monitoring Committee was established based on the following regulations:1. Articles of Association of the Bank concerning the duties and

authorities of the Commissioners.2. POJK no. 55/POJK.03/2016 concerning Governance of

Commercial Bank3. POJK no. 42/POJK.03/2017 regarding Obligation for

Preparation and Implementation of Credit Policy or Financing for Commercial Banks

4. SEOJK no. 13/SEOJK.03/2017 concerning Governance of Commercial Bank

5. Decree of the Directors of Indonesian Stock Exchange No. Kep-00183/BEI/12-2018 dated 26 December 2018 concerning the Amendment on Regulation No. I-A on the Listing of Stock and Non Stock Equities issued by Public Listed Company.

Working Guideline The Risk Monitoring Committee has working guideline in the form of the Risk Monitoring Committee Charter document, which lastly amended on 2 December 2019.

Structure and Membership of Risk Monitoring CommitteeThe structure of Risk Monitoring Committee is in accordance with Otoritas Jasa Keuangan regulation. Risk Monitoring Committee is chaired by an Independent Commissioner.

Other members are 1 (one) Commissioner, 1 (one) Independent Commissioner, and 2 (two) Independent Parties with an expertise in the areas of risk management and finance. Based on PermataBank Board of Directors Decree No. 04/2018 dated 30 April 2018 concerning the Composition of Members of the Risk Monitoring Committee PT Bank Permata Tbk, the members of Risk Monitoring Committee as of 31 December 2019 were as follows:

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JabatanPosition

NamaName

KedudukanPosition

Periode*)

Term Period

KetuaChairman David A. Worth Komisaris Independen


30 April – Closing AGMS 2020

AnggotaMember

Ian Charles Anderson KomisarisCommissioner

30 April 2018 - Penutupan RUPST 202030 April – Closing AGMS 2020

Zulkifli Zaini Komisaris IndependenIndependent Commissioner


Darminto Pihak IndependenIndependen Party


Taufik Hakim Pihak IndependenIndependen Party


Catatan | Note:*) Sesuai masa tugas terakhir | In accordance with the latest term of office

Periode JabatanSesuai Surat Keputusan Direksi PermataBank No. 03/2018 tanggal 30 April 2018 perihal Susunan Anggota Komite Pemantau Risiko PT Bank Permata Tbk, periode jabatan anggota Komite Pemantau Risiko adalah tanggal 30 April 2018 sampai dengan Penutupan RUPST 2020.

Profil Anggota Komite Pemantau Risiko dan Informasi Pendidikan/Pelatihan Selama Tahun 2019

ProfilProfile


David A. Worth



Ian Charles Anderson



Zulkifli Zaini



Term Period In accordance with PermataBank’s Board of Directors Decree No. 03/2018 dated 30 April 2018 concerning the Composition of Members of the Risk Monitoring Committee of PT Bank Permata Tbk, the term period of Risk Monitoring Committee’s members is 30 April 2018 until closing of AGMS 2020.

Profile of Risk Monitoring Committee’s Members and Information of Workshops/ Trainings in 2019


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ProfilProfile


Darminto



Taufik Hakim



Pelatihan Komite Pemantau Risiko selama tahun 2019Training for Risk Monitoring Committee in 2019

ProfilProfile


David A. Worth Selama tahun 2019, beiau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. “Analysis of Sovereign & Country Risk” diselenggarakan oleh Moody’s Analytics, di Singapura (21-22 November 2019).

During 2019, he has participated in some competence enhancement trainings, as follows:1. “Analysis of Sovereign & Country Risk” organized by Moody’s Analytics in Singapore (21-22 November 2019).

Ian Charles Anderson Selama tahun 2018, beiau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. Building a Cyber Resilient Financial Institution, diadakan oleh PwC (31 Januari 2019). 2. CROs Luncheon di Shanghai (22 Maret 2019).3. SCB Strategy Workshop (26 Maret 2019).4. Shiftgear: Executive Engagement Program (14-15 Mei 2019).5. SCB: Inclusive Leadership Program (5 Agustus 2019).

During 2019, he has participated in some competence enhancement trainings, as follows:1. Building a Cyber Resilient Financial Institution, held by PwC (31 January 2019). 2. CROs Luncheon in Shanghai (22 March 2019).3. SCB Strategy Workshop (26 March 2019).4. Shiftgear: Executive Engagement Program (14-15 May 2019).5. SCB: Inclusive Leadership Program (5 August 2019).

Zulkifli Zaini Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi:1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 Oktober 2019).2. Diskusi Panel “Peranan dan Tanggung Jawab Komisaris Independen sebagai Ketua Komite (sebagai pembicara), Jakarta (27

November 2019).

During 2019, he has participated in competence enhancement training:1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 October 2019).2. Panel Discussion ”the Roles and Responsibilities of Independent Commissioner as a Committee Chairman” (as speaker), Jakarta

(27 November 2019).

Darminto Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan kompetensi:1. Pelatihan 2 hari mengenai Digital Ekonomi menggunakan Analisis Studi Kasus oleh Chartered Institute of Management Accountants

(CIMA), 7-8 Agustus 2019.2. Forum Komite Audit & Risk Manajemen Astra Group “Lesson Learned from Recent Corporate Failures” by PWC Indonesia, 15

September 2019.

During 2019, he has participated in competence enhancement trainings, such as: 1. Two Days Workshop on Digital Economy Using Case Study Analysis by Chartered Institute of Management Accountants (CIMA),

7-8 August 2019;2. Audit Committee & Risk Management Committee Astra Group Forum “Lesson Learned from Recent Corporate Failures” by PWC

Indonesia, 15 September 2019.

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ProfilProfile


Taufik Hakim Selama tahun 2019, beiau telah mengikuti beberapa pelatihan peningkatan kompetensi, sebagai berikut:1. Peran Direktur Kepatuhan Dalam Menyikapi Tantangan Perekonomian Digital dan Kesiapan Perbankan Menghadapi Mutual Evaluation

Review (MER), diselenggarakan oleh FKDKP pada 27 Juni 2019 di Jakarta.2. Recent Development and the Outlook of Macroeconomy and Banking Sector 2019-2020, diselenggarakan oleh Bank IBK Indonesia

di Yogyakarta pada 16 Nopember 2019.3. Workshop Asesor Bidang Manajemen Risiko, diselenggarakan oleh BARa di Jakarta pada tanggal 9 Desember 2019.

During 2019, he has participated in competence enhancement training such as follows: 1. Role of Compliance Director to Anticipate Digital Economy and the Banking Sector Readiness in Facing Mutual Evaluation Review

(MER), held by FKDKP in Jakarta dated on 27 Juni2019. 2. Recent Development and the Outlook of Macroeconomy and Banking Sector 2019-2020, held by Bank IBK Indonesia in Yogyakarta,

dated on 16 November 2019.3. Workshop for Risk Management Assessor, held by BARa in Jakarta on 9 December 2019.

Tugas dan Tanggung Jawab Komite Pemantau RisikoSecara garis besar, Komite Pemantau Risiko mengemban tugas dan tanggung jawab sebagai berikut:- Mengevaluasi konsistensi antara kebijakan manajemen risiko

dengan pelaksanaannya.- Memonitor dan mengevaluasi pelaksanaan Komite

Manajemen Risiko dan Unit Manajemen Risiko dalam rangka memberikan rekomendasi kepada Dewan Komisaris.

Independensi Komite Pemantau RisikoKomite Pemantau Risiko memiliki kedudukan yang independen, oleh karena itu:- Ketua dan anggota Komite Pemantau Risiko diangkat dan

diberhentikan oleh Dewan Komisaris.- Ketua dan anggota Komite Pemantau Risiko harus bebas dari

pengaruh Direksi dan pihak lain yang digunakan PermataBank.

- Komite Pemantau Risiko hanya menerima penugasan dari Dewan Komisaris dan bertanggung jawab kepada Dewan Komisaris.

Pelaporan Komite Pemantau Risiko Komite Pemantau Risiko menyusun dan menyampaikan laporan atas kegiatannya kepada Dewan Komisaris secara berkala sekurang-kurangnya 1 (satu) kali dalam 6 (enam) bulan.

Duties and Responsibilities

Principally, the Risk Monitoring Committee has the following duties and responsibilities:- Evaluate the consistency between risk management policies

with the implementation of the policies.- Monitor and evaluate the tasks implementation of the Risk

Management Committee and the Risk Management work Unit, in order to give recommendations to the Board of Commissioners.

Risk Monitoring Committee Independence The Risk Monitoring Committee is an independent committee, and thus:- The Chairman and members of the Risk Monitoring Committee

shall be appointed and dismissed by the Board of Commissioners.- The Chairman and members of the Risk Monitoring Committee

must be free from any influence of the Board of Directors and other parties retained by PermataBank

- The Risk Monitoring Committee shall receive assignments solely from the Board of Commissioners and be held accountable to the Board of Commissioners.

Risk Monitoring Committee Reporting The Risk Monitoring Committee shall be obliged to prepare and submit a report on its activities to the Board of Commissioners on a periodical basis at least once in 6 (six) months.


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Laporan Pelaksanaan Tugas Komite Pemantau Risiko di 2019Pelaksanaan tugas Komite Pemantau Risiko sepanjang tahun 2019, pada intinya, adalah melakukan evaluasi dan/atau kajian terhadap kebijakan dan implementasi manajemen risiko, serta pemantauan dan evaluasi terhadap tugas-tugas Komite Manajemen Risiko dan Unit Manajemen Risiko yang kemudian memberikan rekomendasi kepada Dewan Komisaris berkenaan dengan beberapa agenda penting sebagai berikut:- Kajian mengenai Risk Tolerance, Strategi Bisnis (WB, RB dan

Syariah), isu pajak, limit risiko Pasar dan Likuiditas, Fraud Oversight Committee (FOC) report, Profil Risiko, hasil Stress Test, akun EAR berisiko tinggi, Laporan Direktur Risiko dan Risk Dashboard

- Melakukan monitoring dan kajian atas pelaksanaan risk-return melalui risk appetite, isu dan update yang terkait dengan risiko kredit, risiko pasar, risiko operasional, risiko teknologi, risiko legal, risiko kepatuhan dan regulatori, isu risiko yang muncul di anak perusahaan (subsidiary), kasus hukum yang signifikan, peraturan baru BI/OJK/Basel, dan lain sebagainya.

Frekuensi dan Kehadiran RapatSepanjang tahun 2019, Komite Pemantau Risiko telah melakukan pertemuan sebanyak 10 (sepuluh) kali dengan frekuensi kehadiran masing-masing anggota sebagai berikut:

NamaName



Jumlah KetidakhadiranTotal Absence


David A. Worth 10 9 1 90

Ian Charles Anderson 10 5 5 50


Darminto 10 10 0 100

Taufik Hakim 10 10 0 100

Report from the Risk Monitoring Committee in 2019In 2019, the Risk Monitoring Committee mainly evaluated and/or reviewed the policies and implementation of risk management, also monitored and evaluated duties implementation of Risk Management Committee and Risk Management Unit, and provided recommendations to the Board of Commissioners with respect to important issues as follows:

- Review on Risk Tolerance, Business Strategy (WB, RB and Shariah), Tax issues, Market and Liquidity Risk Limit, Fraud Oversight Committee (FOC) report, Risk Profile, Stress Test result, High Risk EAR Accounts, Risk Director’s Report and Risk Dashboard

- Monitored and reviewed the implementation of risk-return through risk appetite, issues and updates related to credit risk, market risk, operational risk, technology risk, legal risk, compliance & regulatory risk, integrated risk management, risks arising in subsidiary level, significant legal cases, new BI/OJK/Basel regulation, and so forth.

Meetings Frequency and Attendance Throughout 2019, the Risk Monitoring Committee convened 10 (ten) meetings with members’ attendance as follows:

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Agenda Rapat Komite Pemantau RisikoSepanjang tahun 2019 tanggal pelaksanaan, agenda rapat dan peserta rapat Komite Pemantau Risiko sebagai berikut:

No TanggalDate

Anggota Komite Pemantau Risiko Yang Hadir

Members of the Risk Monitoring Committee Attended the Meeting

AgendaAgenda


− David A Worth− Zulkifli Zaini− Darminto− Taufik Hakim

1. Update dari Direktorat Retail Banking terkait Retail Banking Business Agenda

2. Update dari Direktorat Wholesale Banking terkait Wholesale Banking Business Agenda

3. Update dari Direktorat Risk terkait Risk Agenda4. Update dari Direktorat Risk BI Risk Profile Q4 2018

update5. Update dari Direktorat Risk mengenai Risk Director’s

Report and Risk Information Dashboard Desember 2018

1. Update from Retail Banking Directorate on Retail Banking Business Agenda

2. Update from Wholesale Banking Directorate on Wholesale Banking Business Agenda

3. Update from Risk Directorate on Risk Agenda4. Update from Risk Directorate BI Risk Profile Q4 2018

update5. Update from Risk Directorate Risk Director’s Report and

Risk Information Dashboard December 2018

2 4 Maret 20194 March 2019

− David A Worth− Ian Charles Anderson− Zulkifli Zaini− Darminto− Taufik Hakim

1. Update dari Direktorat Risk terkait Risk Tolerance 2019

2. Update dari Direktorat Risk terkait aturan mengenai Kantor Akuntan Publik

3. Update dari SME Business mengenai perpindahan akun SME dan WB

1. Update from Risk Directorate related to Risk Tolerance 2019

2. Update from Risk Directorate related to Public Accounting Firm regulation

3. Update from SME Business on SME and WB account transfer

3 1 April 20191 April 2019


1. Update dari SME Business terkait SME Lesson Learnt2. Update mengenai bisnis dan strategi dari Unit Usaha

Syariah3. Update dari Direktorat Risk mengenai tingkat suku bunga

dalam buku bank4. Update dari Direktorat Risk mengenai Risk Director’s

report and Risk Information Dashboard Februari 2019

1. Update from SME Business related SME Lesson Learnt2. Update from Shariah Business on business and strategy

3. Update from Risk Directorate on Interest Rate on Banking Book

4. Update from Risk Directorate on Risk Director’s report and Risk Information Dashboard February 2019

4 6 Mei 20196 May 2019


1. Update dari Direktorat Risk mengenai Top 20 Good Book Group borrowers review

2. Update dari Global Market mengenai Global Market and ALM Business Update

3. Tax Update dari Tax Management4. Fraud Update dari Fraud Risk Management5. Review Credit Policy Manual (CPM) renewal 11 dan 12

dari Direktorat Risk

1. Update from Risk Directorate related to Top 20 Good Book Group borrowers review

2. Update from Global Market related to Global Market and ALM Business Update

3. Tax Update from Tax Management4. Fraud Update from Fraud Risk Management5. Review Credit Policy Manual (CPM) renewal 11 and 12

from Risk Directorate

5 27 Mei 201927 May 2019

− Zulkifli Zaini− Ian Charles Anderson− Darminto− Taufik Hakim

1. Update dari Direktorat Risk mengenai Assurance review of Risk Management people and system

2. Update dari Direktorat Risk mengenai Policy Review3. Update dari Direktorat WB mengenai group limit yang

melebihi risk tolerance4. Update dari Direktorat Risk mengenai Risk Director’s

report and Risk Information Dashboard Maret 2019

1. Update from Risk Directorate related to Assurance review of Risk Management people and system

2. Update from Risk Directorate on Policy Review3. Update from Wholesale Banking Directorate on group

limit exceeding risk tolerance4. Update from Risk Directorate on Risk Director’s report

and Risk Information Dashboard March 2019



1. Update dari Technology and Operation mengenai Digital and Security

2. Update dari Direktorat Risk mengenai SME assessment untuk akun di atas Rp50 Bn

3. Update dari Direktorat Risk mengenai BI Risk Profile Q2 2019

4. Update dari Direktorat Risk mengenai Risk Director’s Report and Risk Information Dashboard Juni 2019

5. Update dari Direktorat Wholesale Banking mengenai kepatuhan terhadap ketentuan mengenai Kantor Akuntan Publik

6. Update dari Risk Direktorat mengenai hasil assessment terhadap syarat BOC Consultation.

1. Update from Technology and Operation on Digital and Security update

2. Update from Risk Directorate on SME assessment for accounts above Rp50 Bn

3. Update from Risk Directorate on BI Risk Profile Q2 2019

4. Update from Risk Directorate on Risk Director’s Report and Risk Information Dashboard June 2019

5. Update from Wholesale Banking Directorate related to compliance of public accountants regulation

6. Update from Risk Directorate on Assessment result of BOC consultation requirement.

Agenda of Risk Monitoring Committee MeetingIn 2019, the dates, agendas and participants of Risk Monitoring Committee meetings are as follows


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No TanggalDate

Anggota Komite Pemantau Risiko Yang Hadir

Members of the Risk Monitoring Committee Attended the Meeting

AgendaAgenda



1. Update dari Direktorat Risk mengenai SME assessment untuk akun di atas Rp50 Bn

2. Update dari Legal dan Litigasi terkait Legal Risk and Litigation Update

3. Update dari Compliance dan Anti Money Laundering mengenai Compliance and Anti Money Laundering Update


2. Update from Legal and Compliance Directorate on Legal Risk and Litigation Update

3. Update from Legal and Compliance Directorate on Compliance and Anti Money Laundering Update



1. Update dari SME Business mengenai SME Lesson Learnt2. Tax Update dari Tax Management3. Update dari Direktorat Risk mengenai Risk Information

Report August 2019

1. Update from SME Business on SME Lesson Learnt2. Tax Update from Tax Management3. Update from Risk Directorate on Risk Information Report

August 2019



1. Update dari Direktorat Risk mengenai SME assessment untuk akun di atas Rp50 M

2. Update dari SME Business mengenai SME Business Review


2. Update on SME Business on SME Business Review



1. Update dari Direktorat Risk mengenai SME assessment untuk akun di atas Rp50 M

2. Update dari Direktorat Risk mengenai Market and Liquidity Risk Limit 2020

3. Update dari Direktorat Risk mengenai Basel 3 & 4 Update4. Update dari Direktorat Risk mengenai RMOC Charter

Review5. Update dari Direktorat Risk mengenai RMOC Working

Plan 20206. Update dari Direktorat Risk mengenai Risk Information

Report Oktober 2019


2. Update from Risk Directorate Market and Liquidity Risk Limit 2020

3. Update from Risk Directorate Basel 3 & 4 Update4. Update from Risk Directorate RMOC Charter Review

5. Update from Risk Directorate RMOC Working Plan 2020

6. Update from Risk Directorate Risk on Information Report October 2019

Rencana Kerja Komite Pemantau Risiko Tahun 2020Pada 2020, RMOC telah menetapkan rencana kerja dengan memberikan prioritas strategis sebagai berikut:1. Implementasi manajemen risiko yang kuat pada seluruh bank

untuk semua tipe risiko2. Memastikan kontrol dan monitoring yang menyeluruh dari

setiap Risk Control Owner3. Kajian dan monitoring terhadap Risk Tolerance4. Kajian terhadap Risk Management Framework5. Memastikan implementasi IFRS 9 yang baik

Risk Monitoring Committee Work Plans for 2020In 2020, the RMOC’s work plan has established the following strategic priorities:1. Implementation of robust risk management throughout the

Bank for all risk type2. Ensure thorough control and monitoring from each Risk

Control Owner3. Review and monitoring of Risk Tolerance4. Review of the Risk Management Framework 5. Ensure smooth implementation of IFRS 9

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KOMITE TATA KELOLA TERINTEGRASIInformasi mengenai Komite Tata Kelola Terintegrasi terdapat dalam Laporan Tahunan Tata Kelola Terintegrasi Konglomerasi Keuangan Grup Astra periode 31 Desember 2019.

KOMITE-KOMITE DI BAWAH DIREKSI

KOMITE MANAJEMEN RISIKO (RMC)

Struktur dan KeanggotaanSesuai Surat Keputusan Direksi No. 003/2019 tanggal 31 Mei 2019, susunan anggota RMC adalah sebagai berikut (per 31 Desember 2019):

Anggota TetapPermanent Member

· Direktur Risiko (Ketua) | Risk Director (Chairman)· Direktur Utama (Ketua Pengganti) | President Director (Alternate Chairman)· Seluruh anggota Direksi | All members of Board of Directors· Pejabat Eksekutif yang bertanggung jawab di Direktorat Risk | Executive Officer in Charge of Risk Directorate· Head, Internal Audit

Anggota Tidak Tetap* Non-Permanent Member

Pejabat Eksekutif lainnya yang ditunjuk oleh Direksi dan diundang rapat sebagaimana diperlukanOther Executive officers appointed by the Board of Directors and invited to meetings as appropriate

Catatan | Note:Hanya anggota RMC yang merupakan bagian dari Direksi Bank Permata yang memiliki hak suara.Only members of the RMC that are members of the Board of Directors of Bank Permata have voting rights. *) Anggota tidak tetap dapat berubah sesuai dengan perubahan struktur organisasi Bank. | Non-permanent member may be adjusted as per changes In Bank organization structure.

Pedoman KerjaRMC memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada tanggal 15 April 2019.

Tugas dan Tanggung JawabRMC mempunyai tugas dan tanggung jawab utama untuk memastikan pengelolaan yang efektif atas berbagai risiko yang ada dalam upaya mendukung strategi PermataBank termasuk di antaranya menentukan strategi, kebijakan dan prosedur Manajemen Risiko, mengawasi pelaksanaannya. Komite Manajemen Risiko juga mengembangkan budaya manajemen risiko serta memastikan adanya sumber daya yang memadai untuk pelaksanaan manajemen risiko di seluruh PermataBank.

INTEGRATED GOVERNANCE COMMITTEEInformation related to Integrated Corporate Governance Committee is available in the Annual Integrated Good Corporate Governance Report of Financial Conglomeration of Astra Group as of 31 December 2019.

COMMITTEES OF THE BOARD OF DIRECTORS

RISK MANAGEMENT COMMITTEE (RMC)

Structure and Membership Based on the Board of Directors Decree No. 003/2019 dated 31 May 2019, structure of RMC is as follows (as of 31 December 2019):

Working Guideline RMC has working guideline in the form of Terms of Reference document, which was last amended on 15 April 2019.

Duties and Responsibilities The primary duties and responsibilities of RMC are to ensure effective management of risks through the formulation of strategies, policies, and procedures of Risk Management including the implementation thereof. The Risk Management Committee also develops risk management culture and ensures the availability of sufficient resources to implement risk management across PermataBank’s organization.


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Frekuensi Rapat dan Kehadiran Rapat RMCSepanjang tahun 2019, RMC telah mengadakan 12 (dua belas) kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance

KetidakhadiranAbsence


Direktur RisikoRisk Director

12 12 0 100

Direktur Utama President Director

12 10 2 83

Direktur Wholesale Banking Wholesale Banking DIrector

12 11 1 92

Direktur Retail Banking Retail Banking Director

12 11 1 92

Direktur Hukum dan Kepatuhan Legal and Compliance Diretor

12 5 7 42

Direktur Teknologi dan Operasi Technology and Operation Director

12 6 6 50

Direktur Keuangan Finance Director

12 12 0 100

Direktur Sumber Daya ManusiaHuman Resources Director

12 8 4 67

Direktur Unit Usaha SyariahShariah Unit Business Diretor

12 10 2 83

Agenda Rapat RMCBeberapa agenda penting yang dibahas adalah sebagai berikut:- Pengkajian dan/atau update, di antaranya, terhadap: kondisi

makro ekonomi, kajian stress test, Country Risk Horizon, kajian portofolio terhadap industri (mencakup: batu bara, baja, otomotif, multifinance, property, tekstil dan kelapa sawit), sovereign limit, Risk Tolerance, Pengkinian Strategi Global Market, Kerangka Manajemen Risiko dan lain sebagainya.

- Memberikan persetujuan, di antaranya, terhadap beberapa isu bisnis, yaitu: Risk Dashboard, Term of Reference (TOR) komite-komite yang berada dibawahnya, kebijakan yang terkait dengan risiko pasar, laporan pelaksanaan manajemen risiko dari setiap Risk Control Owner (RCO), Panel Asuransi Rekanan PermataBank, dan lain sebagainya.

Meeting Frequency and Attendance of RMC During 2019, the RMC convened 12 (twelve) meetings, with record of attendance rate as follows:

RMC Meeting AgendaImportant issues discussed in the meetings include the following: − Reviewed and/or updated of, among others: macro

economic condition, stress test, country risk horizon review, industry portfolio review (including: coal, steel, automotive, multifinance, property, textile, and palm oil), sovereign limit, Risk Tolerance, Global Market Strategy update, Risk Management Framework and so forth.

− Granted approval on several business issues, among others: Risk Dashboard, Term of Reference (TOR) of sub- committees, risk policies following risk management implementation report from Risk Control Owner (RCO), PermataBank’s Insurance Panel, and so forth.

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RMC memiliki tiga sub komite:

1. Komite Risiko Operasional (CORC) CORC merupakan forum dalam mengidentifikasi, menilai,

memitigasi dan melakukan pengawasan atas isu dan tren risiko operasional keseluruhan PermataBank. Forum ini mengawasi kepatuhan dengan kebijakan internal dan peraturan yang berlaku dengan Kerangka Kerja Pengelolaan Risiko Operasional dan Assurance yang dimiliki PermataBank.

Keanggotaan Keanggotaan CORC adalah sebagai berikut (per 31 Desember

2019):• Direktur Utama (Ketua Pengganti)• Direktur Risiko (Ketua)• Direktur Hukum dan Kepatuhan• Direktur Wholesale Banking• Direktur Retail Banking• Direktur Unit Usaha Syariah• Direktur Sumber Daya Manusia• Direktur Keuangan• Direktur Teknologi dan Operasi• Head, Operational & Integrated Risk Management

(Sekretaris)**Catatan: Sekretaris tidak memiliki hak suara.

Pedoman Kerja CORC memiliki pedoman kerja yang dituangkan dalam

dokumen Terms of Reference, yang terakhir diperbarui pada Januari 2019

Tugas dan Tanggung Jawab• Untuk memastikan bahwa risiko operasional di

PermataBank dikelola secara menyeluruh, sesuai dengan risk appetite bank dan potensi implikasi non-keuangan lainnya.

• Untuk mempromosikan dan menjaga budaya manajemen risiko operasional yang tinggi pada PermataBank.

• Untuk mengawasi dan memastikan tata kelola manajemen informasi diimplementasikan oleh PermataBank.

RMC has three sub committees:

1. Country Operational Risk Committee (CORC) CORC is the forum where PermataBank’s overall operational

risk trends and issues are identified, assessed, mitigated, and monitored. The forum also provides oversight function on the compliance of internal policies and regulations to Operational Risk Management and Assurance Framework of PermataBank.

Membership Membership of CORC is as follows (per 31 December 2019):

• President Director (Alternate Chairman)• Risk Director (Chairman) • Legal and Compliance Director• Wholesale Banking Director• Retail Banking Director• Shariah Business Unit Director• Human Resources Director • Finance Director• Technology and Operations Director• Head, Operational & Integrated Risk Management

(Secretary)**) Note: Secretary has no voting right.

Working Guideline CORC has working guideline in the form of Terms of Reference

document, which lastly amended on January 2019.

Duties and Responsibiliites • To ensure that the operational risk of PermataBank is

managed as a whole in accordance with PermataBank’s risk appetite and other potential non- financial implications.

• To promote and sustain a proactive operational risk management culture within PermataBank.

• To oversee and ensure information management governance implemented by PermataBank.


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Frekuensi, Kehadiran dan Agenda Rapat Sepanjang tahun 2019, CORC telah mengadakan 10 (sepuluh)

kali rapat dan tingkat kehadiran dalam rapat tersebut sebagai berikut:

NamaName


KehadiranAttendance



Direktur Utama 10 7 3 70

Direktur Risiko 10 10 0 100

Direktur Legal & Kepatuhan 10 6 4 60

Direktur Wholesale Banking 10 8 2 80

Direktur Retail Banking 10 9 1 90

Direktur Unit Usaha Syariah 10 8 2 80

Direktur Sumber Daya Manusia 10 8 2 80

Direktur Keuangan 10 10 0 100

Direktur Teknologi & Operasi 10 9 1 90

Beberapa agenda penting yang menjadi pembahasan dan/atau isu bisnis yang dikaji di dalam rapat, antara lain:• Staff attrition• Ketidakcukupan kontrol pada aktivitas Unit Usaha Syariah• Penipuan pada Digital Account Opening dan CCPL• Risiko Cyber• Tantangan implementasi Antasena

2. Komite Model Assessment

Struktur dan Keanggotaan Sesuai Surat Keputusan Komite Manajemen Risiko No. 003/

KMR/SK/2011, susunan anggota Komite Model Assessment adalah sebagai berikut (per 31 Desember 2019):

AnggotaMember

• Direktur Risiko (Ketua) | Risk Director (Chairman)• Direktur Keuangan | Finance Director• Direktur Retail Banking | Retail Banking Director• Direktur Wholesale Banking | Wholesale Banking Director • Risk Heads : SCO, Head, Corporate Credit Policy and Portfolio Management, Head, Risk Retail Banking, Head, Basel and

Market Risk• Head, Internal Audit

Catatan I Note:*) Hanya anggota MAC yang merupakan bagian dari Direksi Bank Permata yang memiliki hak suara Only members of the MAC that are members of the Board of Directors of Bank Permata have voting rights.

Pedoman Kerja Komite Model Assessment memiliki pedoman kerja yang

dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada tanggal 2 April 2019.

Meeting Frequency, Attendance and Agenda During 2019, CORC held 10 (ten) meetings, with the following

record of attendance:

Several important agenda items discussed and/or business issues reviewed in the meetings were:• Staff attrition • Inadequate control in Shariah Unit activities• Forgery in Digital Account Opening and CCPL• Cyber risk• Antasena implementation challenges

2. Model Assessment Committee (MAC)

Structure and Membership Based on the Decree of Risk Management Committee No.

003/KMR/SK/2011, the structure of MAC is as follows (as of 31 December 2019):

Working Guideline MAC has working guideline in the form of Terms of Reference

document, which was last amended on 2 April 2019.

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Tugas dan Tanggung Jawab Tugas dan tanggung jawab Komite Model Assessment adalah

melakukan review dan memberikan persetujuan atas model risiko yang dipergunakan di PermataBank.

Frekuensi, Kehadiran dan Agenda Rapat Sepanjang tahun 2019, Komite Model Assessment

mengadakan 4 (empat) kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance



Direktur Risiko Risk Diretcor

4 4 0 100

Direktur Retail Banking Retail Banking Director

4 2 2 50

Direktur Wholesale Banking Wholesale Banking Director

4 3 1 75

Direktur Keuangan Finance Director

4 4 0 100

Beberapa agenda penting yang dibahas di antaranya sebagai berikut:- Kajian terhadap metodologi standar kalkulasi suku bunga

dalam banking book.- Kajian terhadap metodologi perhitungan unsold portion

pinjaman sindikasi.- Kajian tahunan terhadap scorecard Retail Banking dan

pengajuan untuk Personal Loan Application Scorecard yang baru.

- Kajian terhadap pengajuan penggunaan market data internal untuk perhitungan VaR.

- Kajian validasi tahunan untuk model internal VaR.- Kajian parameter IFRS 9.

3. Komite Special Aset Management (Komite SAM)

Keanggotaan Komite SAM Sesuai dengan Keputusan Rapat Komite Manajemen Risiko

pada meeting tanggal 29 Agustus 2018, susunan anggota Komite Special Asset Management (Komite SAM) adalah sebagai berikut (per 31 Desember 2019):

Duties and Responsibilities The duties and responsibilities of MAC are to review and

approve risk models used in PermataBank.

Meeting Frequency, Attendance and Agenda In 2019, MAC held 4 (four) meetings with record of attendance

as follows:

The meetings discussed several important issues as follows:

- Review on Interest Rate in Banking Book Standard Calculation Methodology.

- Review on valuation methodology of syndicated loan unsold portion.

- Annual review of Retail Banking Scorecard and proposal of new Personal Loan Application Scorecard.

- Review of Internal market data set proposal for VaR calculation.

- Review on annual validation of VaR Internal Model.- Review on IFRS 9 parameter update.

3. Special Asset Management Committee (SAM Committee)

Membership of SAM Committee Based on the decision of Risk Management Committee

meeting on 29 August 2018, the structure of SAM Committee is as follows (as of 31 December 2019):


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AnggotaMember

• Head, Special Asset Management (Ketua | Chairman)• Direktur Risiko (Ketua Pengganti) | Risk Director (Alternate Chairman)• Direktur Retail Banking*) | Retail Banking Director*)

• Direktur Wholesale Banking**) | Wholesale Banking Director**)

Catatan | Note:*) Hanya untuk Akun SME. | Only for SME Accounts. **) Hanya untuk Akun Wholesale Banking. | Only for Wholesale Banking Accounts.

Pedoman Kerja Komite SAM memiliki pedoman kerja yang dituangkan dalam

dokumen Terms of Reference, yang terakhir diperbarui pada tanggal 26 Agustus 2019.

Tanggung Jawab Komite SAM bertanggung jawab untuk meninjau setiap nasabah

dalam Portofolio SAM dan meninjau setiap tindakan yang akan diambil atau diajukan terhadap seluruh nasabah SAM.

Pelaksanaan Tugas dan Frekuensi Rapat Pertemuan diadakan triwulanan atau bisa lebih sering jika

dianggap perlu oleh Ketua Komite SAM.

Sepanjang tahun 2019, Komite SAM mengadakan rapat sebanyak 9 (sembilan) kali, membahas mengenai Bad Book Account Small Medium Entreprise (SME) sebanyak empat kali dan Wholesale Banking sebanyak lima kali, dengan topik antara lain:- Performa Bad Book Account dan hasil restrukturisasi untuk

periode tertentu.- Penanganan nasabah-nasabah yang termasuk dalam

kategori Special Asset Management.- Perkembangan kasus-kasus yang melibatkan nasabah SAM.- Pemulihan/eksekusi dari jaminan.- Penjualan pinjaman beberapa nasabah SAM.

KOMITE KEBIJAKAN KREDIT

Struktur dan KeanggotaanSesuai Surat Keputusan Direksi No. 010/2018 tanggal 18 Desember 2018, susunan anggota Komite Kebijakan Kredit adalah sebagai berikut (per 31 Desember 2019):

AnggotaMember

• Direktur Utama (Ketua) | President Director (Chairman)• Direktur Risiko (Ketua Pengganti) | Risk Director (Alternate Chairman)• Direktur Wholesale Banking | Wholesale Banking Director• Direktur Retail Banking | Retail Banking Director• Direktur Unit Usaha Syariah | Shariah Business Unit Director• Direktur Hukum dan Kepatuhan | Legal and Compliance Director• Direktur Teknologi dan Operasi | Technology and Operations

Working Guideline SAM committee has working guideline in the form of Terms of

Reference document, which was last amended on 26 August 2019.

Responsibilities SAM committee is responsible for reviewing each individual

account within SAM Portfolio and to review any action to be taken or proposed on all SAM Accounts.

Duties Implementation and Meeting Frequency Meeting held quarterly or more frequent as deemed

appropriate by the SAM Committee Chairman.

In 2019, SAM Committee held 9 (nine) meetings discussing Bad Book Account of Small Medium Enterprise (SME) 4 (four) times and Wholesale Banking Segments (five) times, focusing among others on the following subjects: - Bad Book Account performance and result of restructuring

in certain period. - Handling of customers under Special Asset Management

category.- Progress of cases involving SAM accounts.- Collateral recovery/execution. - Sale on several SAM customers’ loans.

CREDIT POLICY COMMITTEE

Structure and Membership Based on the Board of Directors Decree No. 010/2018 dated 18 December 2018, the structure of CPC is as follows (as of 31 December 2019):

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Pedoman KerjaKomite Kebijakan Kredit memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada tanggal 17 Desember 2018.

Tugas dan Tanggung JawabKomite Kebijakan Kredit bertanggung jawab menyetujui seluruh kebijakan dan parameter risiko kredit, serta memastikan pelaksanaan dan pengembangan kebijakan dan parameter risiko kredit tersebut.

Frekuensi, Kehadiran dan Agenda RapatSepanjang tahun 2019, Komite Kebijakan Kredit mengadakan 10 (sepuluh) kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance



Direktur Utama 10 7 3 70

Direktur Risiko* 10 10 0 100

Direktur Wholesale Banking 10 9 1 90

Direktur Retail Banking 10 9 1 90

Direktur Hukum dan Kepatuhan 10 3 7 30

Direktur Unit Usaha Syariah 10 7 3 70

Direktur Teknologi dan Operasi 10 7 3 70

Agenda RapatBeberapa agenda penting yang dibahas antara lain:- Kajian dan persetujuan terhadap perubahan Special Asset

Management Policy, Wholesale Banking Credit Policy addendum dan pembaruan External Credit Rating for Standardized Risk Weighted Asset (RWA) Policy.

- Kajian dan persetujuan terhadap perubahan Delegation of Authority (DOA) WB dan SME, DOA Senior Management untuk Retail Banking dan DOA Special Asset Management.

- Kajian dan persetujuan untuk SME Policy- Pengkinian dan persetujuan kajian tahunan Retail Banking

Credit Policy Manual.- Pelaporan dan pengawasan atas kondisi khusus kebijakan/

prosedur kredit yang diperbolehkan dengan persetujuan pejabat yang berwenang

Working Guideline CPC has working guideline in the form of Terms of Reference document, which lastly amended on 17 December 2018.

Duties and Responsibilities CPC is responsible for approving all credit policies and risk parameter as well as ensuring the implementation and development of credit risk parameter and policies.

Meeting Frequency, Attendance and Agenda In 2019, CPC held 10 (ten) meetings, with the following record of attendance:

Meeting AgendaSeveral agenda items discussed during the meetings include:- Review and approval of Special Asset Management revision

and Wholesale Banking Credit Policy addendum and renewal of External Credit Rating for Standardized Risk Weighted Asset (RWA) Policy.

- Review and approval of WB and SME Delegation of Authority (DOA), Retail Banking Senior Management DOA, and Special Asset Management DOA.

- Review and approval of SME Policy- Update and annual review of Retail Banking Credit Policy

Manual.- Report and oversight on special condition of policy/credit

procedure as allowed with approval from authorized officers.


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KOMITE KREDIT

Struktur dan Keanggotaan Sesuai Surat Keputusan Direksi No. 005/2019 tanggal 21 November 2019, susunan anggota Komite Kredit adalah sebagai berikut (per 31 Desember 2019):

Voting Member • Direktur Utama | President Director• Direktur Wholesale Banking | Wholesale Banking Director• Direktur Retail Banking | Retail Banking Director• Direktur Unit Usaha Syariah | Shariah Business Unit Director• Direktur Keuangan | Finance Director

Non-Voting Member • Direktur Risiko (Ketua) | Risk Director (Chairman)• Senior Credit Officer | Senior Credit Officer• Head, Risk Retail & SME Banking | Head of Risk Retail & SME Banking

Pedoman Kerja Komite Kredit memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada bulan November 2019.

Tugas dan Tanggung Jawab Komite Kredit merupakan sub-komite di bawah Direksi yang ditugaskan untuk menilai dan menyetujui aplikasi kredit di level tertinggi.

Frekuensi Rapat dan Kehadiran Rapat Komite KreditSepanjang tahun 2019, Komite Kredit telah mengadakan 38 (tiga puluh delapan) kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance



Direktur Utama | President Director 38 33 5 87

Direktur Wholesale Banking | Wholesale Banking Director 38 33 5 87

Direktur Retail Banking | Retail Banking Director 38 24 14 63

Direktur Unit Usaha Syariah | Shariah Business Unit Director 38 28 10 74

Direktur Keuangan | Finance Director 38 29 9 76

Direktur Risiko (Ketua) | Risk Director (Chairman) 38 37 1 97

Keputusan yang diambil oleh Komite Kredit antara lain adalah menyetujui Pengajuan Fasilitas Kredit dan Memorandum of Approval.

CREDIT COMMITTEE

Structure and Membership Based on the Board of Directors Decree No. 005/2019 dated 21 November 2019, the structure of Credit Committee is as follows (as of 31 December 2019):

Working Guideline Credit Committee has working guideline in the form of Terms of Reference document, which lastly amended on November 2019.

Duties and Responsibilities The Credit Committee is a sub-committee of the Board of Directors assigned to assess and approve credit applications at the highest level.

Meeting Frequency and Attendance of Credit CommitteeIn 2019, Credit Committee held 38 (thirty eight) meetings, with the following record of attendance:

The decisions taken by the CC included approval of Credit Facility Requests, and Memorandum of Approval.

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KOMITE PENGARAH TEKNOLOGI INFORMASI

Bank telah membentuk Komite Pengarah Teknologi Informasi untuk memberi masukan kepada Direksi terhadap strategi teknologi Bank secara keseluruhan, roadmap teknologi, keselarasan seluruh implementasi teknologi yang mendukung kebutuhan strategi dan bisnis Bank.

Struktur dan KeanggotaanSesuai Surat Keputusan Direksi No. 009/2018 tanggal 7 Desember 2018, susunan anggota Komite Pengarah Teknologi Informasi adalah sebagai berikut (per 31 Desember 2019):

AnggotaMember

• Direktur Teknologi dan Operasi (Ketua) | Technology and Operations Director (Chairman) • Direktur Risiko (Ketua Pengganti) | Risk Director (Alternate Chairman)• Direktur Retail Banking | Retail Banking Director• Direktur Wholesale Banking | Wholesale Banking Director • Direktur Keuangan | Finance Director• Direktur Unit Usaha Syariah | Shariah Business Unit Director• Head, Information, Services & Operations (Sekretaris 1 | Secretary 1)*) • Head, Digital Delivery (Sekretaris 2 | Secretary 2)*)

Catatan | Note:*) Sekretaris 1 dan Sekretaris 2 tidak memiliki hak suara. | Secretary 1 and Secretary 2 have no voting rights.

Pedoman KerjaKomite Pengarah Teknologi Informasi memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada tanggal Desember 2018.

Tugas dan Tanggung JawabKomite Pengarah Teknologi Informasi bertanggung jawab kepada direksi terhadap hal-hal terkait Teknologi yaitu sebagai berikut:- Rencana Strategis Teknologi Informasi (Information

Technology Strategic Plan) yang searah dengan rencana strategis kegiatan usaha Bank;

- Kesesuaian proyek-proyek Teknologi Informasi yang disetujui dengan Rencana Strategis Teknologi Informasi;

- Kesesuaian antara pelaksanaan proyek-proyek Teknologi Informasi dengan rencana proyek yang disepakati (project charter);

- Kesesuaian penyelenggaraan Teknologi Informasi dengan kebutuhan sistem informasi manajemen dan kebutuhan kegiatan usaha Bank;

- Langkah-langkah meminimalkan risiko atas investasi Bank pada sektor Teknologi Informasi agar investasi tersebut memberikan kontribusi terhadap tercapainya tujuan bisnis Bank;

INFORMATION TECHNOLOGY STEERING COMMITTEEThe Bank established the Information Technology Steering Committee or ITSC advising the Board of Directors on the Bank’s overall technology strategy, technology roadmap, aligning overall technology implementations that will support the Bank’s strategy and business needs.

Structure and Membership Based on the Board of Directors Decree No. 009/2018 dated 7 December 2018, the structure of ITSC is as follows (as of 31 December 2019):

Working Guideline ITSC has working guideline in the form of Terms of Reference document, which was last amended on December 2018.

Duties and Responsibilities ITSC is responsible for reviewing and providing recommendations to the Board of Directors regarding: - Information Technology Strategic Plan in line with Bank’s

Business Strategic Plan;

- Alignment between Information Technology projects and Information Technology Strategic Plan;

- Alignment between Information Technology project execution and the approved project plan (project charter);

- Alignment between Information Technology operations and Bank’s management information system and operational needs;

- Minimize risk on Information Technology investment to ensure these investments meets business objectives;


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- Perumusan kebijakan dan prosedur Teknologi Informasi yang utama seperti kebijakan pengamanan Teknologi Informasi dan manajemen risiko terkait penggunaan Teknologi Informasi di Bank;

- Memberikan rekomendasi kepada Direksi terkait pengamanan informasi yang meliputi efektivitas implementasi kebijakan pengamanan informasi Bank dan mitigasi risiko yang dilakukan untuk meningkatkan pengamanan informasi Bank;

- Pemantauan atas kinerja Teknologi Informasi dan upaya peningkatannya;

- Upaya penyelesaian berbagai masalah terkait Teknologi Informasi, yang tidak dapat diselesaikan oleh satuan kerja pengguna dan penyelenggara, secara efektif, efisien dan tepat waktu.

Frekuensi, Kehadiran dan Agenda Rapat Sepanjang tahun 2019, Komite Pengarah Teknologi Informasi telah mengadakan empat kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance



Direktur Teknologi dan Operasi | Technology and Operation Director 4 4 0 100

Direktur Utama | President Director 4 4 0 100

Direktur Risiko | Risk Director 4 2 2 50

Direktur Retail Banking | Retail Banking Director 4 4 0 100

Direktur Wholesale Banking | Wholesale Banking Director 4 3 1 75

Direktur Keuangan | Finance Director 4 2 2 50

Direktur Unit Usaha Syariah | Shariah Unit Business Director 4 4 0 100

Agenda RapatKomite Pengarah Teknologi Informasi telah bertemu dan membahas hal-hal yang berhubungan dengan teknologi informasi dan juga isu-isu kunci bisnis yang termasuk: - Rencana Strategis Teknologi dan Arsitektur Teknologi

Informasi- Laporan Proyek Utama Digital- Laporan Proyek Utama Infrastruktur- Keamanan Informasi- Kinerja Teknologi (Stabilitas, Kinerja, SLA, dan sebagainya)

- Formulation of key Information Technology policies and procedures such as Information Technology Security policy and Risk Management related to Bank’s Information Technology;

- Provide recommendations to the Board of Directors related to information security that includes the effectiveness of the implementation on the information security policy of the Bank and the risk mitigation taken to strengthen information security of the Bank;

- Monitor Information Technology performance and improvement of the performance;

- Resolution of Information Technology related issues that cannot be effectively and efficiently resolved in a timely manner by IT and users.

Meeting Frequency, Attendance and Agenda ITSC held 4 (four) meetings in 2019 with the following attendance record:

Meeting AgendaITSC met and discussed information technology related matters as well as key business issues which may include following:

- Information Technology Strategic and Architecture Update

- Key Digital Project Update- Key Infrastructure Project Update- Information Security- Technology Performance Dashboard (Stability, Performance,

SLA, etc)

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KOMITE ASSET LIABILITY (ALCO)

Struktur dan KeanggotaanSesuai Surat Keputusan Direksi PermataBank No. 015/2017 tanggal 19 Oktober 2017, susunan anggota ALCO adalah sebagai berikut (per 31 Desember 2019):

AnggotaMember

• Direktur Utama (Ketua) | President Director (Chairman)• Direktur Keuangan (Ketua Pengganti) | Finance Director (Alternate Chairman)• Direktur Retail Banking | Retail Banking Director• Direktur Wholesale Banking | Wholesale Banking Director• Direktur Unit Usaha Syariah | Shariah Business Unit Director• Direktur Risiko | Risk Director

AnggotaStanding Invitee

• Head, Retail Liabilities• Head, Cash Management• Head, Global Markets • Head, Basel & Market Risk • Head, Global Markets ALM

SekretarisSecretary

Head, Balance Sheet Management

Catatan :Hak suara hanya dimiliki oleh anggota ALCO yang juga merupakan DireksiVoting right is held only by the member of ALCO that are also members of the Board of Directors (BoD).

Pedoman KerjaALCO memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbaharui tanggal 19 Oktober 2017.

Tugas dan Tanggung Jawab- Menetapkan arahan, kebijakan, strategi untuk struktur neraca,

likuiditas, permodalan, risiko suku bunga dan risiko valuta asing, profitabilitas dan pertumbuhan sesuai prinsip kehati-hatian.

- Mengelola neraca dan likuiditas berikut risiko terkait, melalui proses identifikasi, pengukuran eksposur risiko, pemantauan termasuk strategi manajemen risiko likuiditas dan suku bunga.

- Mengoptimalkan komposisi neraca PermataBank dan mengelolanya sejalan dengan kebijakan risiko yang direkomendasikan dan telah disetujui sesuai dengan ketentuan yang berlaku serta pandangan masa mendatang terhadap perubahan dalam kondisi ekonomi, peraturan serta kompetisi usaha.

ASSET-LIABILITY COMMITTEE (ALCO)

Structure and Membership Based on PermataBank Board of Directors Decree No. 015/2017 dated 19 October 2017, the members of the ALCO is as follows (as of 31 December 2019):

Working Guideline ALCO has working guideline in the form of Terms of Reference document, which lastly amended on 19 October 2017.

Duties and Responsibilities - Determine direction, policy, strategy on structure of balance

sheet, liquidity, capital, interest rate and foreign exchange risk, profitability, and growth by maintaining the principle of prudence.

- Manage balance sheet and liquidity as well as related risks through process of identification, risk exposure measurement, and monitoring, including management strategy of liquidity and interest rate risks.

- Optimize PermataBank’s balance sheet and managing it in accordance with the recommended and approved risk policies as well as prevailing laws and regulations and a forward looking view of changes to economic, regulatory, and competitive actions.


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Frekuensi, Kehadiran dan Agenda RapatSepanjang tahun 2019, ALCO telah mengadakan tiga belas kali rapat (2 rapat dengan agenda khusus) dengan tingkat kehadiran anggota yang memiliki hak suara sebagai berikut:

NamaName


KehadiranAttendance



Direktur Utama 13 6 7 46%

Direktur Keuangan 13 11 2 85%

Direktur Retail Banking 13 11 1 92%

Direktur Risiko 13 9 3 77%

Direktur Wholesale Banking 13 9 3 77%

Direktur Unit Usaha Syariah 13 11 1 92%

Agenda RapatSelama tahun 2019, rapat ALCO membahas dan mengkaji beberapa agenda penting termasuk:- Mengelola posisi neraca, likuiditas, permodalan dan

profitabilitas serta mengantisipasi perkembangan kondisi eksternal seperti kondisi pasar, persaingan dan peraturan. Tidak terdapat peraturan baru di tahun ini, hanya penyempurnaan perhitungan RIM, parameter disinsentif bawah untuk PLM serta penurunan GWM yang dilakukan oleh Bank Indonesia. Penyempurnaan perhitungan RIM dengan menambahkan unsur pinjaman yang diterima atau pembiayaan yang diterima.

NPL dan KPMM ditambahkan dalam parameter disinsentif bawah PLM. Baik penyempurnaan perhitungan RIM dan parameter disinsentif bawah untuk PLM mulai berlaku pada tanggal 2 Desember 2019.

Sementara penurunan GWM telah dilakukan efektif per 1 Juli 2019.

Bank sistemik disyaratkan untuk mereview secara tahunan kebijakan Rencana Aksi (Recovery Plan) serta pelaksanaan evaluasi dan pengujiannya (stress testing) yang telah dikirimkan sebelum 30 November 2019 kepada OJK.

- Mengkaji kepatuhan/compliance terhadap peraturan yang berlaku, ALCO Guidelines dan Market Risk Guidelines. Termasuk di dalamnya pengaruh terhadap kinerja bank.

- Mengkaji, menetapkan dan mengkinikan kebijakan manajemen likuiditas (short-term dan structural) termasuk liquidity risk limits, capital, Funds Transfer Pricing policy dan lain sebagainya.

Meeting Frequency, Attendance and Agenda In 2019, ALCO held 13 (thirteen) meetings (two ad-hoc ALCO meeting) with record of attendance of members with voting right as follows:

Meeting AgendaDuring 2019, ALCO meetings discussed and reviewed several important items and business issues, including:- Managed balance sheet position, liquidity, capital, profitability

and anticipating of external condition developments such as market condition, competition and regulatory. No new regulation during 2019, except revisions in RIM calculation, PLM’s floor parameter and lower reserve requirement by Bank Indonesia. Revision in RIM calculation by adding element of borrowings.

NPL and CAR are added into PLM’s floor parameter. Both RIM calculation revision and PLM’s floor parameter were implemented effective on 2nd December 2019.

Lower reserve requirement was implemented on 1st July 2019. Systemic bank is required to review the Recovery Plan on

annual basis followed with Recovery Plan Stress Testing which have been submitted to OJK before 30 November 2019.

- Reviewed compliance with existing regulations, ALCO Guidelines, Risk Market Guidelines. This is including the impact to the Bank’s performance.

- Reviewed, determined and updated liquidity management policy (short-term and structural), including liquidity risk limits, capital, Funds Transfer Pricing policy, and so forth.

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KOMITE PENGAWASAN FRAUD (FOC)FOC bertujuan untuk memastikan penanganan permasalahan/insiden fraud secara tepat dan untuk memastikan penerapan kebijakan-kebijakan fraud secara efektif.

Struktur dan KeanggotaanSesuai Term of Reference (TOR) FOC per November 2019 sesuai dengan Surat Edaran Bank Indonesia No.13/28/DPNP tertanggal 9 Desember 2011 perihal Penerapan Strategi Anti Fraud bagi Bank Umum, serta berdasarkan Surat Keputusan Direksi No. 006/2019 tanggal 4 Desember 2019, susunan anggota FOC adalah sebagai berikut (per 31 Desember 2019):

Anggota Member

• Direktur Utama (Ketua) | President Director (Chairman)• Direktur Hukum dan Kepatuhan | Legal and Compliance Director• Direktur Sumber Daya Manusia | Human Resources Director

Pedoman KerjaFOC memiliki pedoman kerja yang dituangkan dalam dokumen Terms of Reference, yang terakhir diperbarui pada tanggal 6 November 2019.

Tugas dan Tanggung Jawab FOC1. Memastikan pelaksanaan yang efektif dari Kebijakan

Kerangka Kerja Pengelolaan Risiko Fraud (FRMF) termasuk ketersediaan sumber daya untuk menjalankan komponen-komponen Strategi Anti Fraud yakni: Pencegahan, Deteksi, Respons dan Pemantauan.

2. Memantau insiden/kejadian fraud signifikan yang dilaporkan. Memastikan bahwa: akar penyebab diidentifikasi, para pelaku dikenakan sanksi dan langkah perbaikan untuk mencegah terulangnya kejadian dilaksanakan.

3. Mengawasi kegiatan investigasi yang dilakukan oleh pihak-pihak internal dan/atau eksternal melalui laporan yang diberikan dan/atau dipresentasikan oleh pihak-pihak internal dan/atau eksternal pada saat rapat komite.

4. Memutuskan secara bersama dengan Direktur terkait atas tindakan sanksi terhadap pihak internal yang terlibat dalam insiden fraud. Apabila FOC dan Direktur terkait tidak menyepakati bentuk tindakan sanksi, permasalahan akan dieskalasi ke Direksi untuk mengambil keputusan akhir.

FRAUD OVERSIGHT COMMITTEE (FOC)FOC was established to ensure that fraud incidents/problems are handled appropriately and to ensure anti fraud policy is enforced effectively.

Structure and Membership Based on the Terms of Reference (TOR) of FOC per November 2019, in accordance with Circular Letter of Bank Indonesia No.13/28/DPNP dated 9 December 2011 regarding Anti- Fraud Strategy Implementation for Commercial Banks and in accordance with the Board of Directors Decree No. 006/2019 dated 4 December 2019, the structure of FOC is as follows (as of 31 December 2019):

Working Guideline FOC has working guideline in the form of Terms of Reference document, which was last amended on 6 November 2019.

Duties and Responsibilities of FOC 1. Ensure effective implementation of Fraud Risk Management

Framework Policy (FRMF), including providing the necessary resources to ensure the Anti Fraud Strategies elements, i.e. Prevention, Detection, Response and Monitoring are in place.

2. Monitor significant reported fraud incidents/events. Ensure that: root causes are identified, perpetrators are subject to reprimand and remedial actions to prevent reoccurrence are carried out.

3. Oversee investigation activities performed by internal and/or external parties through the investigation report produced by internal and/or external parties during the Committee meeting.

4. Along with Director in charge, decide the disciplinary actions for internal parties involved in the fraud incidents. If FOC and Director in Charge do not agree on the disciplinary action, the matter will be escalated to the Board of Directors for final decision.


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5. Memutuskan tindakan/proses hukum kepada pelaku fraud berdasarkan hasil analisa legal dan/atau pertimbangan lain.

6. Memastikan Direksi dan Dewan Komisaris mengetahui dan up to date mengenai permasalahan/insiden fraud yang memiliki dampak negatif yang signifikan dari sisi financial, reputasi ataupun lainnya.

7. Memastikan pemilik masing-masing jenis/tipe fraud serta peran dan tanggung jawab untuk mengelola risiko dan kejadian fraud sesuai Kebijakan FRMF.

Frekuensi, Kehadiran dan Agenda RapatSepanjang tahun 2019, FOC telah mengadakan empat kali rapat dengan tingkat kehadiran sebagai berikut:

NamaName


KehadiranAttendance



Direktur Utama President Director 4 4 0 100%

Direktur Hukum dan Kepatuhan Legal and Compliance Director 4 3 1 75%

Direktur Sumber Daya Manusia Human Resources Director 4 4 0 100%

Agenda RapatSelama rapat FOC dilaksanakan, anggota komite beserta Direktur terkait telah mengambil beberapa keputusan mengenai tindakan indisipliner terhadap pelaku fraud dan tindak lanjut berupa perbaikan-perbaikan yang harus dilakukan oleh unit terkait untuk mencegah fraud tidak terulang kembali.

KOMITE MANAJEMEN RISIKO TERINTEGRASIInformasi mengenai Komite Manajemen Risiko Terintegrasi terdapat dalam Laporan Tahunan Tata Kelola Terintegrasi Konglomerasi Keuangan Grup Astra periode 31 Desember 2019.

5. Based on analysis provided by Legal and/or other consideration, decide if perpetrator(s) of the fraud incidents will be criminally charged.

6. Ensure the Board of Directors and Board of Commissioners are appraised and kept up to date of any fraud issues/ incidents that carry significant negative impact from financial, reputational and other aspects.

7. To ensure that ownership for various fraud types, including roles and responsibilities for management of risk and fraud incidents are in line with FRMF.

Meeting Frequency, Attendance and Agenda In 2019, FOC held 4 (four) meetings with the following record of attendance:

AgendaDuring FOC meetings, members of the Committee and the Directors in charge have taken a number of decisions regarding disciplinary sanction against fraudsters and improvement actions necessary to be taken by related working units to prevent reoccurrence of fraud.

INTEGRATED RISK MANAGEMENT COMMITTEEInformation related to Integrated Risk Management Committee is available in the Annual Integrated Good Corporate Governance Report of Financial Conglomeration of Astra Group as of 31 December 2019.

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TATA KELOLA REMUNERASI

Komite Remunerasi dan Nominasi

Nama Anggota dan KomposisiNama anggota dan komposisi Komite Remunerasi dan Nominasi: dapat dilihat pada halaman 535-536.

Jumlah Rapat yang DilakukanJumlah rapat yang dilakukan selama 2019 adalah sebanyak tujuh kali rapat.

Remunerasi yang Telah Dibayarkan kepada Anggota Komite Remunerasi dan Nominasi selama 1 (Satu) TahunTidak ada remunerasi yang dibayarkan kepada anggota Komite Remunerasi dan Nominasi selain yang dibayarkan setiap bulan sebagai Komisaris Independen atau Pejabat Eksekutif

Tugas dan Tanggung Jawab Komite Remunerasi dan NominasiTugas dan tanggung jawab Komite Remunerasi dan Nominasi dapat dilihat pada halaman 537-539.

Proses Penyusunan Kebijakan RemunerasiPengelolaan Remunerasi merupakan hal mendasar dan sekaligus strategis dalam pengelolaan perusahaan. Pengelolaan Remunerasi harus sejalan dengan peraturan perundang-undangan yang berlaku, falsafah dan tata nilai Perusahaan, prinsip kehati-hatian serta mendukung pelaksanaan strategi bisnis dan pencapaian sasaran jangka pendek dan jangka panjang Perusahaan.

Kebijakan Remunerasi PermataBank disusun dalam rangka menjaga dan meningkatkan motivasi karyawan serta menciptakan iklim kerja yang kondusif, dengan tujuan untuk mempertahankan karyawan dan menarik calon karyawan potensial yang ada di luar perusahaan.

REMUNERATION GOVERNANCE

Remuneration and Nomination Committee

Member Name and CompositionMember name and composition of the Remuneration and Nomination Committee can be seen on page 535-536.

Number of Meetings Conducted There were seven meetings conducted during 2019.

Remuneration Paid to Remuneration and Nomination Committee Members for 1 (One) YearNo remuneration is paid to members of the Remuneration and Nomination Committee other than monthly payment as Independent Commissioner or Executive Officer.

Duties and Responsibilities of the Remuneration and Nomination CommitteeDuties and responsibilities of the Remuneration and Nomination Committee can be seen on page 537-539.

Remuneration Policy Preparation Process Remuneration management is fundamental and strategic in the scope of corporate governance. Remuneration management must be in line with applicable laws and regulations, Company’s philosophy and values, prudential principles and able to support the implementation of business strategy and achievement in short-term and long-term objectives.

PermataBank Remuneration Policy is prepared to maintain and improve employees’ motivation and create a conducive working environment, with the objective of retaining employees and attracting potential candidates from outside the company.


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PermataBank implements the remuneration management policy based on Otoritas Jasa Keuangan Regulation No. 45/ POJK.03/2015 (POJK Remuneration) and OJK Circular Letter No. 40/SEOJK.03/2016 regarding the Good Corporate Governance Implementation in Providing Remuneration for Commercial Banks and POJK No. 59/POJK.03/2017 concerning Implementation of Governance in the Granting of Remuneration for Shariah Commercial Banks and Shariah Business Units.

In managing remuneration, PermataBank conducts routine annual reviews and make updates on remuneration policies based on changes in government regulations, business strategy and industry development, according to company capability. The objective is to make PermataBank remuneration system continues to be competitive compared to peers in the industry and continues to be compliant with government regulations. Thus, it is expected that the Bank can maintain internal balance and respond to external challenges.

The current Remuneration Policy does not differentiate between the control unit and the supervised work unit. Mechanisms applied to ensure the independence between the control unit and the work units it oversees are different performance indicators and decision-making on remuneration for employees in the control unit does not involve the supervised work units.

Coverage of Remuneration Policy and its ImplementationPermataBank Remuneration System covers all employees who are located at head office and branch offices. PermataBank ensures that policies are applied equitably, fairly and balanced to ensure that each employee receives suitable rewards.

Remuneration Related to Risk PermataBank always runs the business with prudent principles where risk analysis is considered as a parameter that influences all policies.

In PermataBank Remuneration Policy, risk profile is determined based on the scope of duties and responsibilities of the executives who have a significant impact on the Bank’s risk profile. The more senior a position, the greater the portion of the variable remuneration where the amount of remuneration is linked to performance and risk.

PermataBank menerapkan kebijakan pengelolaan remunerasi sejalan dengan Peraturan Otoritas Jasa Keuangan (POJK) No. 45/POJK.03/2015 (POJK Remunerasi) dan Surat Edaran OJK No. 40/SEOJK.03/2016 tentang Penerapan Tata Kelola dalam Pemberian Remunerasi bagi Bank Umum, dan salinan POJK No. 59/POJK.03/2017 tentang Penerapan Tata Kelola dalam Pemberian Remunerasi Bagi Bank Umum Syariah dan Unit Usaha Syariah.

Dalam pengelolaan remunerasi, PermataBank melakukan kaji ulang secara rutin setiap tahun dan melakukan pengkinian atas kebijakan remunerasi yang dilakukan berdasarkan pada perubahan peraturan pemerintah, pengkinian strategi bisnis dan perkembangan industri sesuai kemampuan perusahaan. Hal ini dilakukan agar sistem Remunerasi PermataBank secara kontinyu tetap berada dalam tingkat kompetitif dibandingkan dengan peer dalam industri dan menjaga kepatuhan terhadap peraturan pemerintah. Dengan demikian, diharapkan Bank dapat menjaga keseimbangan internal dan menjawab tantangan eksternal.

Kebijakan Remunerasi saat ini tidak membedakan antara unit kontrol dengan unit kerja yang diawasi. Mekanisme yang diterapkan untuk memastikan independensi antara unit kontrol dan unit kerja yang diawasinya adalah melalui indikator kinerja yang berbeda dan pengambilan keputusan atas remunerasi bagi Karyawan di unit kontrol yang tidak melibatkan unit kerja yang diawasinya.

Cakupan Kebijakan Remunerasi dan Implementasinya

Sistem Remunerasi PermataBank mencakup seluruh karyawan baik yang berada di kantor pusat dan kantor cabang. PermataBank memastikan bahwa kebijakan diterapkan dengan merata, adil dan seimbang agar setiap karyawan mendapatkan imbal jasa yang sesuai.

Remunerasi Dikaitkan dengan RisikoPermataBank senantiasa menjalankan bisnis dengan asas prudent di mana analisa risiko menjadi suatu parameter yang mempengaruhi semua kebijakan yang dibuat.

Dalam Kebijakan Remunerasi PermataBank, profil risiko ditentukan berdasarkan cakupan tugas dan tanggung jawab pejabat bank yang berdampak signifikan terhadap profil risiko Bank. Semakin senior suatu posisi, semakin besar porsi remunerasi variabel yang pembayarannya dikaitkan dengan kinerja dan risiko.

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With regard to remuneration policy that accounts for the performance of company beyond short-term financial measures, PermataBank has Remuneration policy, which regulates deferred bonus. Prevailing regulations require the Bank to determine the position of Material Risk Taker (MRT) related to the implementation of risk-based remuneration. The Bank has also established the category of MRT with qualitative method, where the category is determined based on the scope of duties and responsibilities of the executives that have a significant impact on the Bank’s risk profile. Performance bonus for MRT are subject to the following:

1) Partial deferred2) Some of the bonus is paid in the form of a shares based

instrument

In addition, the Bank regulates bonus with claw back system in the form of a Sign-on Bonus (SOB). SOB recipients must return pro-rated amount should he/she leaves the Bank within claw back period.

Main types of risk used in implementing remuneration are Credit Risk and Operational Risk. There has been no change in the determination of the main types of risk compared to last year.

Performance Measurement Related to Remuneration Performance appraisal is made based on achievement compared to the agreed targets at the beginning of the year. In the application of ideal remuneration, employees will receive the amount of remuneration in line with the results of their performance. Remuneration adjustments for performance results are delivered by line managers to employees in their respective units.

Each member of the Board of Directors and each employee has individual targets as basis for individual performance assessment. The individual target of the Director, which is also the target of the related work unit/directorate, is derived from the Bank’s target, and then gradually cascaded down to the smallest unit target and individual target at the bottom layer. The amount of remuneration adjustment is based on individual performance appraisal.

Berkenaan dengan kebijakan remunerasi yang memperhitungkan kinerja perusahaan melebihi kinerja keuangan jangka pendek, PermataBank memiliki kebijakan Remunerasi, yang mengatur bonus yang ditangguhkan. Peraturan yang berlaku mengharuskan Bank untuk menentukan posisi Material Risk Taker (MRT) terkait dengan penerapan remunerasi berbasis risiko. Bank telah menetapkan kategori MRT dengan metode kualitatif, di mana kategori tersebut ditentukan berdasarkan cakupan tugas dan tanggung jawab pejabat bank yang berdampak signifikan terhadap profil risiko Bank. Bonus kinerja untuk MRT tunduk pada hal berikut:1) Penangguhan sebagian2) Sebagian dibayarkan dalam bentuk instrumen berbasis

saham

Selain itu, Bank mengatur mengenai pemberian bonus dengan memberlakukan sistem claw back dalam bentuk Sign-on Bonus (SOB). Penerima SOB diharuskan untuk mengembalikan SOB sebesar pro-rata apabila berhenti bekerja dari Bank sebelum berakhirnya masa claw back.

Jenis risiko utama yang digunakan dalam menerapkan remunerasi adalah Risiko Kredit dan Risiko Operasional. Belum ada perubahan penentuan jenis risiko utama dibandingkan dengan tahun lalu.

Pengukuran Kinerja Dikaitkan dengan RemunerasiPenilaian kinerja dibuat berdasarkan pencapaian hasil kerja dibandingkan dengan target yang sudah disepakati di awal tahun. Dalam penerapan remunerasi yang ideal, karyawan akan menerima jumlah remunerasi yang sesuai dengan hasil penilaian kinerjanya. Penyesuaian Remunerasi atas hasil kinerja disampaikan oleh manajer lini kepada Karyawan di unit masing-masing.

Setiap anggota Direksi dan Karyawan memiliki target individu sebagai dasar untuk menilai kinerja individu. Target individu Direksi yang juga merupakan target unit kerja/direktoratnya, diturunkan dari target Bank, dan kemudian secara berjenjang diturunkan menjadi target unit kerja terkecil dan target individu Karyawan pada lapisan paling bawah. Besarnya penyesuaian remunerasi berdasarkan penilaian kinerja individu.


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Remuneration Adjustments Related to Performance and RiskThe policy of deferred variable remuneration payment is applied to employees on the MRT category, which the performance bonus payout to the incumbent MRT position is subject to the provisions of Article 23 of the POJK Remuneration.

The percentage is determined by the Board of Directors with the consideration the Bank’s financial performance projection and the Remuneration and Nomination Committee’s views.

External Consultants In an effort to provide optimal remuneration to employees, Bank needs to look at various aspects, one of which is PermataBank position within the industry and among competitors. For this reason, the Bank collaborates with consultant Willis Towers Watson in order to obtain information on the latest remuneration data.

In addition, the Bank uses the service of external consultant Egon Zehnder, to find external candidates for member of the Board of Directors.

Remuneration Package and Facilities Received by The Board of Directors, Board of Commissioners and Shariah Supervisory Board including Remuneration Structure and the Amount

Penyesuaian Remunerasi Dikaitkan dengan Kinerja dan RisikoKebijakan pembayaran remunerasi variabel yang ditangguhkan diaplikasikan pada karyawan dengan kategori MRT, dimana pembayaran Bonus kinerja kepada pemegang posisi MRT tunduk pada ketentuan sesuai Pasal 23 POJK Remunerasi.

Besarnya persentase ditetapkan oleh Direksi dari tahun ke tahun dengan mempertimbangkan antara lain proyeksi kinerja finansial Bank dan pandangan Komite Remunerasi dan Nominasi.

Konsultan EksternDalam upaya memberikan remunerasi yang optimal kepada karyawan, Bank perlu melihat berbagai aspek, salah satunya adalah posisi PermataBank di dalam industri dan di antara para bank pesaing. Untuk itu, Bank menjalin kerja sama dengan konsultan Willis Towers Watsons dalam rangka mendapatkan informasi mengenai data-data remunerasi terkini.

Selain itu, Bank juga menggunakan jasa konsultan eksternal Egon Zehnder dalam rangka mencari kandidat eksternal untuk anggota Direksi.

Paket Remunerasi dan Fasilitas yang Diterima oleh Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah mencakup Struktur Remunerasi dan Rincian Jumlah Nominal

Jenis Remunerasi dan FasilitasType of Remuneration and other Facilities

Jumlah Diterima dalam 1 (Satu) TahunAmount Received in 1 (One) Year


Dewan KomisarisBoard of Commissoners

Dewan Pengawas SyariahShariah Supervisory Board

Jumlah Orang

Total Person

Juta (Rp)Million (Rp)

Jumlah Orang

Total Person


Jumlah Orang

Total Person


Gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya dalam bentuk non naturaSalary, bonus, regular allowance, bonus, and otherintangible facilities

9 69.110,1 8 12.731,4 2 761,9

Fasilitas lain dalam bentuk natura (perumahan, asuransi kesehatan, dan sebagainya) yang:Other tangible facilities (housing, transportation, health insurance, etc):

a. dapat dimiliki; may be owned;

1.418,6 359,3

b. tidak dapat dimiliki; may not be owned;

1.257,7 399,9

Total 9 71.786,4 8 13.490,6 2 761,9

Keterangan | Note:Terjadi perubahan susunan Direksi di tahun 2019. Data termasuk Direksi yang Berakhir Masa Kerja pada Tahun 2019.There are changes to the composition of the Board of Directors in 2019. The information included for members of the Board of Directors whose tenure ended in 2019.

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Paket Remunerasi yang Dikelompokkan dalam Tingkat Penghasilan yang Diterima Oleh Direksi, Anggota Dewan Komisaris, dan Dewan Pengawas Syariah dalam 1 (Satu) Tahun

Jumlah Remunerasi per Orang dalam 1 (Satu) TahunTotal Remuneration per Person in 1 (One) Year

Jumlah DireksiNumber of Board of

Directors

Jumlah KomisarisNumber of Board of

Commissioners

Jumlah Dewan Pengawas Syariah

Number ofShariah Supervisory

Board

Di atas Rp2 miliar | Above Rp2 billion 8 4 -

Di atas Rp1 miliar s.d. Rp2 miliar | Above Rp1 billion to Rp2 billion 1 - -

Di atas Rp500 juta s.d. Rp1 miliar | Above Rp500 million to Rp1 billion - - 2

Rp500 juta ke bawah | Rp500 million and less - 4 -

Keterangan | Note:Terjadi perubahan susunan Direksi di tahun 2019. Data termasuk Direksi yang berakhir masa kerja dan baru bergabung pada tahun 2019.There are changes to the composition of the Board of Directors in 2019. The information provided include for members of the Board of Directors whose tenure ended in 2019 as well as those joining in that year.

Remunerasi yang Bersifat VariabelPemberian remunerasi dalam bentuk variabel dikaitkan dengan pencapaian target tertentu serta dengan mempertimbangkan risiko yang bisa terjadi di hari kemudian; terdiri dari insentif untuk kelompok pekerjaan berbasis insentif dan bonus kinerja untuk kelompok pekerjaan lainnya.

Keputusan terkait pemberian remunerasi yang bersifat variable merupakan hak penuh institusi yang diambil dengan mempertimbangkan kinerja Bank secara keseluruhan, kinerja unit kerja terkait, kinerja individu dan potensi risiko yang bisa terjadi pada waktu yang akan datang.

Remuneration Package Grouped in the Level of Income Received by the Board of Directors, Board of Commissioners and Shariah Supervisory Board in 1 (One) Year

Variable Remuneration The payment of variable remuneration is based on the achievement of specific targets with considering the risks that may occur in the future; consisting of incentives for incentive- based employee groups and performance bonuses for other work groups.

Decisions of the variable remuneration provision is the full right of the company with consideration on the Bank’s performance, unit performance, as well as individual performance and potential risk that may occur in the future.


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Jumlah Direksi, Dewan Komisaris, Dewan Pengawas Syariah dan Pegawai yang Menerima Remunerasi yang Bersifat Variabel Selama 1 (Satu) Tahun

Remunerasi VariabelVariable Remuneration

Jumlah yang Diterima dalam 1 (Satu) Tahun | Amount Received in 1 (One) Year


Dewan KomisarisBoard of Commissoners

Dewan Pengawas SyariahShariah Supervisory Board

KaryawanEmployee

OrangPeople

Jutaan (Rp)Million (Rp)

OrangPeople


OrangPeople


OrangPeople


Jumlah | Total 7 19.946 Nihil | Nil Nihil | Nil Nihil | Nil Nihil | Nil 7,695 269.610

Jabatan yang Menjadi Material Risk TakersBank memberi kategori MRT untuk seluruh pejabat Direksi dan Pejabat Eksekutif yang membawahi bidang terkait dengan Kredit Korporasi, sebagai berikut:- Direksi (termasuk Direktur Utama)- Wholesale Banking Business Head- Head Wholesale Banking Credit Risk (Senior Credit Officer)

Shares Option yang Dimiliki Direksi, Dewan Komisaris, Dewan Pengawas Syariah dan Pejabat Eksekutif

Pada 2019 Bank belum menerapkan kebijakan pemberian remunerasi dalam bentuk shares option.

Jumlah Penerima dan Jumlah Total Remunerasi yang Bersifat Variabel yang Dijamin Tanpa Syarat akan Diberikan oleh BankBank tidak memberikan remunerasi yang bersifat variabel yang dijamin tanpa syarat akan diberikan oleh Bank kepada calon Direksi, calon Dewan Komisaris, dan/atau calon Pegawai selama 1 (satu) tahun pertama bekerja sebagaimana dimaksud dalam Pasal 21 POJK Remunerasi.

Number of the Board of Directors, Board of Commissioners, Shariah Supervisory Board and Employees who Received Variable Remunerations in 1 (One) Year

Positions of Material Risk Takers The Bank set the MRT category to all members of the Board of Directors and Executive Officers who are in charge in the areas related to Corporate Credit, as follows: - The Board of Directors (including President Director) - Wholesale Banking Business Head - Head Wholesale Banking Credit Risk (Senior Credit Officer)

Shares Options of the Board of Directors, Board of Commissioners, Shariah Supervisory Board and Executive OfficersIn 2019, the Bank has not implemented a remuneration policy in shares option.

Number of Receipient and Total Amount of Variable Remuneration Guaranteed Unconditionally to be Provided by the Bank The Bank does not provide any variable Remuneration that is guaranteed without conditions to be provided by the Bank for candidates of: the Board of Directors, Board of Commissioners, Shariah Supervisory Board and/or employee candidates for the first 1 (one) working year as referred to in Article 21 of POJK Remuneration.

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Rasio Gaji Tertinggi dan Terendah

UraianDescription

RasioRatio

Gaji pegawai yang tertinggi dan terendah | Highest and lowest salary of the employees 1 : 98,8

Gaji Direksi yang tertinggi dan terendah | Highest and lowest salary of the Board of Directors 1 : 2,96

Gaji Dewan Komisaris yang tertinggi dan terendah | Highest and lowest salary of the Board of Commissioners 1 : 1

Gaji Dewan Pengawas Syariah yang tertinggi dan terendah | Highest and lowest salary of the Shariah Supervisory Board 1 : 1,1

Gaji Direksi tertinggi dan pegawai tertinggi | Highest salary of the Board of Directors and highest salary of the employees 1 : 1,9

Jumlah Pegawai yang Terkena Pemutusan Hubungan Kerja Dan Total Nominal Pesangon yang DibayarkanTidak terdapat pegawai yang terkena pemutusan hubungan kerja sesuai dengan kriteria yang tercantum di dalam Peraturan Otoritas Jasa Keuangan No. 45/POJK.03/2015 tentang Penerapan Tata Kelola Dalam Pemberian Remunerasi Bank Umum.

Jumlah Total Remunerasi yang Bersifat Variabel yang Ditangguhkan

2019* 2018**

Remunerasi Variabel yang ditangguhkan (Rp Juta)Variable Remuneration which deferred (Rp Million)

12.251 14.663

* Remunerasi Variabel diperjanjikan pada 2019 yang dibayarkan setelah 2019 | Variable remuneration agreed upon in 2019 and paid after 2019** Remunerasi Variabel diperjanjikan pada 2018 yang dibayarkan setelah 2018 | Variable remuneration agreed upon in 2018 and paid after 2018

Jumlah Total Remunerasi yang Bersifat Variabel yang Ditangguhkan yang Dibayarkan selama 1 (Satu) Tahun

2019 2018

Remunerasi Variabel yang ditangguhkan yang dibayarkan (Rp Juta)Deferred Variable Remuneration paid (Rp Million)

7.912,6 NihilNil

Highest and Lowest Salary Ratio

Number of Terminated Employees and Total Nominal of Severance PaidNo employee is subject to termination of employment in accordance with the criteria set forth in the Otoritas Jasa Keuangan Regulation No. 45/POJK.03/2015 regarding Good Corporate Governance Implementation in Providing Remuneration for Commercial Banks.

Total Amount of Deferred Variable Remuneration

Total Amount of Deferred Variable Remuneration Paid in 1 (One) Year


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Rincian Remunerasi yang Diberikan dalam 1 (Satu) Tahun untuk MRT

A. Remunerasi yang bersifat Tetap | Fixed Remuneration

1. Tunai | Cash (in million Rp) 70.657,48

2. Saham atau instrumen yang berbasis saham yang diterbitkan Bank Share or share-based instrument issued by the Bank

Nihil | Nil

B. Remunerasi yang bersifat Variabel | Variable Remuneration

Tidak DitangguhkanNot Deferred

DitangguhkanDeferred

1. Tunai | Cash (in million Rp) 23.224,08 286,3

2. Saham atau instrumen yang berbasis saham yang diterbitkan Bank Share or Share-based instrument issued by the Bank

- 286,3

Informasi Kuantitatif Mengenai Remunerasi Variabel untuk MRT

Jenis Remunerasi yang bersifat VariabelVariable Remuneration

Sisa yang Masih Ditangguhkan

RemainingRemuneration

Deferred

Total Pengurangan Selama Periode LaporanTotal Deduction Within Report Period

Disebabkan Penyesuaian Eksplisit (A)

ExplicitAdjustment (A)

Disebabkan Penyesuaian

Implisit (B)Implicit

Adjustment (B)

Total (A+B)

1. Tunai (Dalam Jutaan Rupiah) | Cash (in million Rp) 4.205,7 Nihil | Nil Nihil | Nil Nihil | Nil

2. Saham atau instrumen yang berbasis saham yang diterbitkan Bank (dalam lembar saham dan nominal jutaan Rupiah yang merupakan konversi dari lembar saham tersebut)

Shares/Share-based instrument issued by the Bank (in number of shares and million Rp converted from the number of shares)

4.205,7 Nihil | Nil 5,1 5,1

Total (Dalam Jutaan Rupiah) | Total (in million Rp) 8.411,5 Nihil | Nil 5,1 5,1

PENILAIAN DEWAN KOMISARIS DAN KEBIJAKAN REMUNERASI DEWAN KOMISARIS

Kriteria dan Penilaian Dewan Komisaris Penilaian terhadap kinerja anggota Dewan Komisaris Perseroan pada dasarnya dilakukan oleh Pemegang Saham melalui mekanisme penilaian kinerja individu dan selanjutnya dilakukan penilaian oleh wakil pemegang saham utama (Komisaris Utama dan Wakil Komisaris Utama)

Dalam pelaksanaannya, PermataBank melalui Komite Remunerasi dan Nominasi melakukan penilaian tahunan bagi kinerja Dewan Komisaris dan pengungkapan kriteria dan proses dilakukan pada setiap penilaian tahunan, sebagaimana ditetapkan dalam piagam Komite Remunerasi dan Nominasi.

Detail Total Remuneration Provided in 1 (One) Year for MRT

Quantitative Information about Variable Remuneration for MRT

BOARD OF COMMISSIONERS ASSESSMENT AND REMUNERATION POLICY

Board of Commissioners Assessment and Criteria The assessment of the performance of the members of the Board of Commissioners of the Company is basically carried out by the Shareholders through an individual performance appraisal mechanism and subsequently is assessed by the representative of main shareholder (President Commissioner and Vice President Commissioner).

In its implementation, PermataBank through the Remuneration and Nomination Committee conducts an annual assessment of the performance of the Board of Commissioners and the disclosure of criteria and processes is conducted at each annual assessment, as stipulated in the Remuneration and Nomination Charter.

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Prosedur Penetapan Remunerasi Dewan KomisarisPengertian remunerasi untuk Dewan Komisaris bagi PermataBank adalah kompensasi yang diberikan oleh Bank berdasarkan kontribusi anggota Dewan Komisaris selama periode tertentu. Penentuan nilai remunerasi dan fasilitas yang didapat oleh Dewan Komisaris ditentukan oleh RUPS Tahunan. PermataBank menganut prinsip-prinsip di bawah ini untuk menentukan nilai remunerasi Dewan Komisaris:a. Remunerasi ditentukan sesuai dengan peraturan perundang-

undangan yang berlaku.b. Remunerasi ditentukan berdasarkan asas keterbukaan,

keseimbangan internal serta bersaing dengan tingkat remunerasi di industri perbankan.

c. Remunerasi ditentukan selaras dengan independensi Dewan Komisaris sesuai dengan perannya dalam mengawasi jalannya pengelolaan PermataBank.

d. Remunerasi ditentukan sesuai dengan kontribusi individu

PENILAIAN DIREKSI DAN KEBIJAKAN REMUNERASI DIREKSI

Kriteria dan Penilaian Direksi Penilaian terhadap kinerja Direksi PermataBank pada dasarnya mencakup:

• Performance Planning

Performance planning digunakan setiap awal tahun. Performance planning Direksi merupakan pelaksanaan dari Visi dan Misi PermataBank serta rencana strategis tahunan PermataBank.

• Performance Feedback dan Coaching

Performance Feedback dan Coaching merupakan suatu proses interaktif melalui rapat antara Direksi dan Dewan Komisaris untuk mendapatkan masukan sehubungan dengan penilaian kinerja Direksi dalam kurun waktu tertentu.

• Penilaian Tengah Tahun dan Akhir tahun Umumnya, penilaian atas kinerja Direksi dilakukan dua kali

dalam setahun.

Dalam pelaksanaannya, PermataBank melalui Komite Remunerasi dan Nominasi melakukan penilaian tahunan bagi kinerja Direksi

Board of Commissioners Remuneration Procedure Remuneration for the Board of Commissioners is a compensation given by Bank for the Board of Commissioners members, both individually and collectively, during certain period. The remuneration and other facilities entitled by the Board of Commissioners are deliberated by the Annual GMS. The remuneration for the Board of Commissioners of PermataBank is determined by the following principles: a. Remuneration is determined in compliance with prevailing

laws and regulations.b. Remuneration is determined based on the principle of

transparency, internal balance, and competitive with remuneration in the banking industry.

c. Remuneration is determined in line with the independency of the Board of Commissioners with regard to their roles in supervising the management of PermataBank.

d. Remuneration is determined by individual contributions.

BOARD OF DIRECTORS ASSESSMENT AND REMUNERATION POLICY

Board of Directors Assessment and Criteria Assessment of the Board of Directors performance covers:

• Performance Planning Performance planning is implemented at the beginning of

each year. The Board of Directors’ performance planning is the implementation of PermataBank’s Vision and Mission as well as annual strategic plan.

• Performance Feedback and Coaching Performance Feedback and Coaching are an interactive

process that takes place through meetings between the Board of Directors and the Board of Commissioners to obtain feedback regarding the Board of Directors performance assessment in a certain period.

• Mid-Year and End-Year Assessment Generally, assessment of the Board of Directors’ performance

is conducted twice a year.

In the implementation, PermataBank through the Remuneration and Nomination Committee conducts an annual assessment of


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dan pengungkapan kriteria dan proses dilakukan pada setiap penilaian tahunan.

Seperti halnya penilaian kinerja kepada Direksi, Komite Remunerasi dan Nominasi juga melakukan penilaian kinerja tahunan bagi Direktur Utama. Tinjauan kinerja Direktur Utama bersama dengan anggota Direksi lainnya dipresentasikan dan dibahas dalam Rapat Komite Remunerasi dan Nominasi.

Prosedur Penetapan Remunerasi DireksiPermataBank memberikan remunerasi untuk Direksi atas dasar kinerja Direksi baik individual maupun kolektif selama periode tertentu dengan mempertimbangkan perbandingan tingkat remunerasi Direksi industri perbankan. Seperti penentuan remunerasi Dewan Komisaris, remunerasi dan fasilitas yang didapat oleh Direksi juga ditetapkan oleh RUPS Tahunan. Kewenangan RUPS dapat dilakukan oleh Dewan Komisaris atas nama RUPS setelah mendapatkan pendelegasian kewenangan RUPS.

Remunerasi untuk Direksi dirumuskan dalam sistem kompensasi yang diusulkan oleh Komite Remunerasi dan Nominasi yang terdiri dari Komisaris Independen yang menjadi ketua, Komisaris Independen, dua Komisaris dan Pejabat Eksekutif yang mempunyai kapabilitas dalam pengelolaan sumber daya manusia. Hasil dari perumusan tersebut selanjutnya diusulkan dalam RUPS Tahunan untuk mendapatkan persetujuan.

Indikator Penetapan Remunerasi DireksiPenetapan remunerasi untuk Direksi terkait erat dengan kinerja PermataBank. Selain itu, remunerasi juga didasarkan pada perkembangan kondisi perekonomian dalam negeri. Penentuan remunerasi Direksi berdasarkan prinsip-prinsip berikut ini:

a. Nilai remunerasi Direksi bersaing dan senantiasa dibandingkan dengan kompensasi yang berlaku pada pasar industri perbankan secara berkala.

b. Nilai remunerasi bergantung pada komponen tetap dan variabel yang relatif terhadap kinerja perusahaan baik dalam jangka pendek dan panjang serta perekonomian dalam negeri.

the performance of the Directors and the disclosure of criteria and processes is conducted at each annual assessment.

Similar with the performance appraisal of the Directors, the Remuneration and Nomination Committee also conducts an annual performance appraisal for the President Director. A review of the performance of the President Director as well as other members of the Board of Directors was presented and discussed at the Remuneration and Nomination Committee Meeting.

Board of Directors Remuneration Procedure PermataBank provides remuneration for the Board of Directors based on collective and individual performance during a certain period, which takes into account fair-value consideration with the Board of Directors in the banking industry. In line with the determination of the Board of Commissioners remuneration, the remuneration and other facilities entitled by the Board of Directors are deliberated by the Annual GMS. The GMS may delegate the authority to the Board of Commissioners, who will then exercise the authority on behalf of the GMS.

The Board of Directors’ remuneration is formulated in the compensation system as proposed by Remuneration and Nomination Committee consisting of an Independent Commissioner as Chairman, Independent Commissioner, two Commissioners and Executive Officer with the capabilities in human resource management. The proposal from the Remuneration and Nomination Committee is submitted to the Annual GMS for approval.

Board of Directors Remuneration Indicators Determination of the Board of Directors remuneration is closely related to the performance of PermataBank. Remuneration also takes into account the development of domestic economic condition. Remuneration of the Board of Directors is determined based on the following principles: a. Remuneration of the Board of Directors is competitive and

periodically compared to remuneration in the banking industry.

b. Remuneration consists of fixed and variable components, which take into account the Bank’s short and long-term performance, as well as domestic economic condition.

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SEKRETARIS PERUSAHAAN

Riwayat PendidikanMemperoleh gelar Sarjana Hukum dari Universitas Indonesia pada tahun 1997 dan gelar Lex Legibus Magister (LL.M) dari Queen Mary University of London, Inggris pada tahun 2003.

Riwayat JabatanDasar Hukum & Masa JabatanDitunjuk sebagai Sekretaris Perusahaan PermataBank berdasarkan Surat Ketetapan Direktur Sumber Daya Manusia No.14997/SK/BI/I/2010 tanggal 15 Januari 2010. Penunjukan beliau sebagai Sekretaris Perusahaan telah dilaporkan kepada Bapepam dan LK serta BEI berdasarkan Surat PermataBank No. 022/BP/DIR/I/10 tanggal 15 Januari 2010 dan telah diumumkan kepada publik dalam surat kabar Bisnis Indonesia pada tanggal 18 Januari 2010.

Pengalaman Kerja Sebelum beliau menjadi Sekretaris Perusahaan PermataBank, beliau pernah bekerja di Kantor Konsultan Hukum Hadiputranto, Hadinoto dan Partners sebagai Senior Associate sejak tahun 1996 sampai dengan tahun 2010.

Periode JabatanSejak tanggal 15 Januari 2010 sampai dengan sekarang.

Educational BackgroundReceived Bachelor Degree in Law from University of Indonesia in 1997 and Lex Legibus Magister (LL.M) Degree from the Queen Mary University of London, England in 2003.

Professional Background Legal Basis & TenureAppointed as Corporate Secretary of PermataBank based on the Decree of Human Resources Director No. 14997/SK/BI/I/2010 dated 15 January 2010. Her appointment as Corporate Secretary has been reported to the Bapepam and LK as well as BEI based on PermataBank Letter No. 022/BP/DIR/I/10 dated 15 January 2010 and announced to the public in Bisnis Indonesia newspaper on 18 January 2010.

Professional Experience Before joining as Corporate Secretary at PermataBank, she worked at Law Office Hadiputranto, Hadinoto and Partners as Senior Associate since 1996 until 2010.

Term PeriodSince 15 January 2010 until present.

Katharine GraceSekretaris PerusahaanCorporate SecretaryWarga Negara Indonesia, berusia 47 tahun, dan berdomisili di Jakarta.Indonesian Citizen, 47 years old, and who resides in Jakarta.

Tugas dan Tanggung Jawab Sekretaris Perusahaan Tugas dan tanggung jawab Sekretaris Perusahaan PermataBank adalah:1. Mengikuti perkembangan pasar modal khususnya peraturan

perundang-undangan yang berlaku di bidang pasar modal.2. Memberikan masukan kepada Direksi dan Dewan Komisaris

PermataBank untuk mematuhi ketentuan peraturan perundang-undangan di bidang pasar modal serta di bidang hukum korporasi.

CORPORATE SECRETARY

Task and Responsibility of Corporate Secretary

Task and responsibility of PermataBank’s Corporate Secretary include:1. Following capital market development particularly existing

regulations in capital market.2. Providing advice to the Board of Directors and the Board of

Commissioners of PermataBank to comply with regulations in capital market and corporate legal.


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3. Membantu Direksi dan Dewan Komisaris dalam melaksanakan tata kelola perusahaan yang meliputi:a. Keterbukaan informasi kepada masyarakat.b. Penyampaian laporan kepada OJK serta kepada regulator

lainnya.c. Penyelenggaraan RUPS.d. Penyelenggaraan dan dokumentasi Rapat Direksi dan/

atau Rapat Dewan Komisaris.e. Pelaksanaan program orientasi untuk Direksi dan Dewan

Komisaris yang baru diangkat.f. Mensosialisasikan prinsip-prinsip GCG kepada seluruh

organisasi PermataBank.g. Memberikan nasihat dan rekomendasi kepada

manajemen, komite-komite, dan anak perusahaan PermataBank.

h. Membuat proses assurance atas implementasi GCG.4. Bertindak sebagai penghubung antara PermataBank dengan

pemangku kepentingan.5. Memastikan seluruh Aksi Korporasi PermataBank telah

memenuhi ketentuan peraturan perundang-undangan yang berlaku khususnya ketentuan pasar modal.

6. Menyusun Laporan Tahunan dan Laporan Keberlanjutan.7. Bertanggung jawab dalam mengelola penyimpanan dokumen

perusahaan.8. Mengelola Daftar Pemegang Saham dan Daftar Khusus

PermataBank.9. Bertindak sebagai Sekretaris Komite Tata Kelola Terintegrasi

PermataBank.

Pelaksanaan Tugas Sekretaris Perusahaan Selama Tahun 2019Tugas-tugas yang telah dilakukan oleh Sekretaris Perusahaan PermataBank selama tahun 2019, antara lain:• Menyampaikan laporan berkala dan laporan insidentil kepada

regulator terkait.• Menghadiri setiap pelaksanaan Rapat Dewan Komisaris,

Rapat Direksi, dan Rapat Tata Kelola Terintegrasi serta membuat risalah Rapat Dewan Komisaris, Rapat Direksi, dan Rapat Tata Kelola Terintegrasi.

• Memberikan pelayanan atas setiap informasi yang dibutuhkan pemegang saham dan publik berkaitan dengan kondisi PermataBank.

• Menyampaikan keterbukaan informasi kepada regulator dan publik.

3. Supporting the Board of Directors and Board of Commissioners in implementing corporate governance which covers:a. Information disclosure to the public.b. Report submission to OJK and other regulators.

c. Holding GMS.d. Holding and documenting Meetings of the Board of

Directors and/or Board of Commissioners.e. Implementing orientation program to newly appointed

members of Board of Directors or Board of Commissioners.f. Socializing GCG principles to all PermataBank

organization.g. Providing advice and recommendation to management,

committees, and subsidiary of PermataBank.

h. Making assurance process on GCG implementation.4. Acting as liaison between PermataBank and stakeholders.

5. Ensuring all PermataBank Corporate Actions have fulfilled existing regulations particularly capital market regulations.

6. Preparing Annual Report and Sustainable Report.7. Responsible in managing the storing of corporate documents.

8. Managing Shareholders Register and Special Register of PermataBank.

9. Acting as Secretary to PermataBank’s Integrated Governance Committee.

Implementation of Corporate Secretary Duties in 2019Corporate Secretary of PermataBank has carried out the duties in 2019, including:• Submitting periodic and incidental reports to related

regulators.• Attending meetings of the Board of Commissioners, Board

of Directors, and Integrated Governance Meetings as well as generating the minutes of Board of Commissioners, Board of Directors, and Integrated Governance Meetings.

• Providing service on all information required by shareholders and the public regarding PermataBank’s condition.

• Submitting disclosure of information to regulators and public.

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• Memastikan informasi-informasi terkait korporasi telah dimuat dalam situs web PermataBank.

• Mengikuti perkembangan dalam ketentuan pasar modal serta memberikan masukan kepada Dewan Komisaris, Direksi dan unit kerja terkait dengan adanya peraturan-peraturan terbaru pasar modal.

• Mempersiapkan Daftar Khusus Saham yaitu daftar kepemilikan saham Direksi dan Komisaris PermataBank beserta keluarganya, baik yang ada di PermataBank maupun yang ada di perusahaan lain.

• Menghadiri setiap pelaksanaan rapat Komite Pemantau Risiko dan Komite Audit yang berada di bawah Dewan Komisaris.

• Menyelenggarakan RUPS Tahunan pada tanggal 23 April 2019.

• Menyelenggarakan program orientasi bagi Direktur yang baru diangkat.

• Mempersiapkan kertas kerja ASEAN CG Scorecard dan memastikan sudah dimuat dalam situs web PermataBank.

Pelatihan yang Telah Diikuti Selama Tahun 2019Selama tahun 2019, Sekretaris Perusahaan telah mengikuti pelatihan maupun seminar terkait dengan pasar modal di antaranya adalah:

Nama Name

TanggalDate

Nama PelatihanTraining Name

PenyelenggaraOrganizer

Katharine GraceSekretaris Perusahaan

Corporate Secretary

24 Juni 201924 June 2019

Seminar terkait POJK 14/POJK.04/2019 tentang Perubahan atas POJK Nomor 32/POJK.04/2014 tentang Penambahan Modal Perusahaan Terbuka dengan Memberikan Hak Memesan Efek Terlebih Dahulu

Seminar related with POJK 14/POJK.04/2019 regarding Amendement on POJK Number 32/POJK.04/2014 regarding Additional Capital of Public Company with Pre-emptive Rights.

Bursa Efek Indonesia dan OJK

Indonesia Stock Exchange and OJK

16 Oktober 201916 October 2019

Merger, Akuisisi dan Konsolidasi

Merger, Acquisition and Consolidation

Learning and Development PermataBank

11 November 201911 November 2019

Business English Learning and Development PermataBank

10 - 11 Desember 2019 10 - 11 Desember 2019

Strengthening Team Effectiveness through Synergetic Communication Learning and Development PermataBank

• Ensuring all corporate information are announced in PermataBank’s website.

• Following the development in capital market regulation and providing input to the Board of Commissioners, Board of Directors, and related working units regarding new capital market regulations.

• Preparing Special Register of Shares, which describes the list of share ownership of PermataBank’s Board of Directors and Board of Commissioners as well as their families, either in PermataBank and in any other companies.

• Attending Risk Monitoring Committee and Audit Committee meetings under the Board of Commissioners.

• Organizing Annual GMS on 23 April 2019.

• Holding orientation program to newly appointed Directors.

• Preparing ASEAN CG Scorecard worksheet and ensuring the worksheet is uploaded in PermataBank’s website.

Trainings Participated in 2019In 2019, the Corporate Secretary participated in trainings or seminars related to capital market including:


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Korespondensi kepada OJK dan BEIBerikut di bawah ini adalah korespondensi yang disampaikan kepada OJK dan BEI selama tahun 2019:

BulanMonth

TanggalDate

Keterangan Description

JanuariJanuary

3 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Desember 2018Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 December 2018 Period

23 Penjelasan atas Pemberitaan di Media Massa | Explanation on Mass Media Reporting

23 Info Pembayaran Bunga ke-17 Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap II Tahun 2014 Information on 17th Interest Payment for Subordinated Bonds II of Bank Permata Phase II Year 2014

24 Penjelasan atas Volatilitas Transaksi Efek | Explanation of Volatility on Securities Transaction

FebruariFebruary

4 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Januari 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 January 2019 Period

21 Penyampaian Laporan Keuangan Tahunan 31 Desember 2018 | Annual Financial Statements as of 31 December 2018 Submission

22 Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan | Proof of Announcement of Annual Finance Statements Submission


MaretMarch

5 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 28 Februari 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 28 February 2019 Period


14 Informasi Pembayaran Bunga ke-27 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap I Tahun 2012Information on 27th Interest Payment for Subordinated Bonds I of Bank Permata Phase I Year 2012

15 Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan | Annual GMS Notification

15 Penyampaian Bukti Iklan Pemberitahuan RUPS Tahunan | Proof of Announcement of Annual GMS Notification

18 Informasi Pembayaran Bunga ke-25 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information on 25th Interest Payment for Subordinated Bonds I of Bank Permata Phase II Year 2012

18 Penjelasan atas Permintaan Penjelasan Bursa | Explanation on Explanation Request from the Exchange

22 Informasi Pembayaran Bunga ke-21 Obligasi Subordinasi Berkelanjutan II Tahap I Tahun 2013Information on 21st Interest Payment for Subordinated Bonds II of Bank Permata Phase I Year 2013


April 1 Pemanggilan RUPS Tahunan | Invitation of Annual GMS

1 Penyampaian Bukti Iklan Panggilan RUPS Tahunan | Proof of Announcement of Annual GMS

1 Penyampaian Laporan Tahunan | Annual Report Submission

2 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Maret 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 March 2019 Period

4 Keterbukaan Informasi yang Perlu Diketahui Publik Pengunduran Diri Anggota Direksi PT Bank Permata TbkDisclosure of Information regarding Resignation of Member of the Board of Directors of PT Bank Permata Tbk

23 Informasi Pembayaran Bunga ke-18 Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap II Tahun 2014Information on 18th Interest Payment for Subordinated Bonds II of Bank Permata Phase II Year 2014

23 Penyampaian Laporan Keuangan Interim Posisi 31 Maret 2019 | Interim Financial Statements as of 31 March 2019 Submission

24 Penyampaian Bukti Iklan Laporan Keuangan posisi 31 Maret 2019 | Submission of Financial Report Proof of Advertisement for the 31 March 2019

24 Hasil RUPS Tahunan | Annual GMS Result

24 Keterbukaan Informasi yang Perlu Diketahui Publik Perubahan Susunan Pengurus PerseroanDisclosure of Information regarding Changes of Members of the Board of Directors of the Company

24 Penyampaian Bukti Iklan Hasil RUPS Tahunan | Annual GMS Result Submission

MeiMay

3 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 30 April 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 March 2019 Period

15 Penjelasan atas Pemberitaan Media Massa | Explanation on Mass Media Coverage

JuniJune

10 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Mei 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 March 2019 Period

14 Informasi Pembayaran Pokok Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap I Tahun 2012Information on Principal Payment for Subordinated Bonds I of Bank Permata Phase I Year 2012

18 Laporan Informasi Material Pelunasan Pokok dan Pembayaran Bunga ke-28 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap I Tahun 2012Material Information on Payment of Principal and 28th Interest of Subordinated Bonds I of Bank Permata Phase I Year 2012

18 Informasi Pembayaran Bunga ke-26 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information on 26th Interest Payment for Subordinated Bonds I of Bank Permata Phase II Year 2012

21 Informasi Pembayaran Bunga ke-22 Obligasi Subordinasi Berkelanjutan II Tahap I Tahun 2013Information on 22nd Interest Payment for Subordinated Bonds II Phase I Year 2013

Correspondence with OJK and IDXBelow is correspondence submitted to OJK and BEI in 2019:

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BulanMonth

TanggalDate

Keterangan Description

JuliJuly

2 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 30 Juni 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 30 June 2019 Period

23 Info Pembayaran Bunga ke-19 Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap II Tahun 2014Information on 19th Interest Payment for Subordinated Bonds II of Bank Permata Phase II Year 2014

29 Penyampaian Laporan Keuangan Tengah Tahunan 30 Juni 2019 | Submission on Semi-Annual Financial Statements as of 30 June 2019

30 Penyampaian Bukti Pengumuman Laporan Keuangan Tengah Tahunan 30 Juni 2019Submission on Proof of Announcement of Semi-Annual Financial Statements as of 30 June 2019

AgustusAugust

2 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Juli 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 July 2019 Period

12 Pemberitahuan Rencana Paparan Publik Tahunan | Information of Annual Public Expose Planning


23 Penyampaian Materi Paparan Publik Tahunan | Submission of Annual Public Expose Presentation

27 Penyampaian Materi Paparan Publik Tahunan (Koreksi) | Submission of Annual Public Expose Presentation (Correction)

30 Laporan Hasil Paparan Publik Tahunan | Result of Annual Public Expose

SeptemberSeptember

4 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Agustus 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 August 2019 Period

18 Info Pembayaran Bunga ke-27 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information on 27st Interest Payment for Subordinated Bonds I of Bank Permata Phase II Year 2012

23 Info Pembayaran Bunga ke-23 Obligasi Subordinasi Berkelanjutan II Tahap I Tahun 2013Information on 23th Interest Payment for Subordinated Bonds II Phase I Year 2013

OktoberOctober

2 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 30 September 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 30 September 2019 Period


23 Info Pembayaran Bunga ke-20 Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap II Tahun 2014Information on 20th Interest Payment for Subordinated Bonds II of Bank Permata Phase II Year 2014

29 Penyampaian Laporan Keuangan Interim 30 September 2019 | Submission on Interim Financial Statements as of 30 June 2019

30 Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim posisi 30 September 2018Submission of Interim Financial Report Proof of Advertisement for the 30 September 2018

NovemberNovember

5 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 31 Oktober 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 31 October 2019 Period

29 Laporan Informasi atau Fakta Material Pelunasan Pokok dan Pembayaran Bunga Terakhir Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information on Principal Repayment and Interest Payment for Subordinated Bonds I of Bank Permata Phase II Year 2012

DesemberDecember

4 Laporan Bulanan Registrasi Pemegang Efek/Perubahan Struktur Pemegang Saham Periode 30 November 2019Monthly Report of Shareholders Register/Changes in Shareholders Structure for the 30 November 2019 Period

18 Info Pembayaran Pokok dan Bunga ke-28 Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information of Principal and 28th Interest Payment Subordinated Bonds I of Bank Permata Phase II Year 2012

20 Laporan Informasi atau Fakta Material Pelunasan Pokok dan Pembayaran Bunga Terakhir Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Tahun 2012Information on Principal Repayment and Interest Payment for Subordinated Bonds I of Bank Permata Phase II Year 2012

23 Info Pembayaran Bunga ke-24 Obligasi Subordinasi Berkelanjutan II Tahap I Tahun 2013Information on 24th Interest Rate Payment of Subordinated Bonds II Phase I Year 2013

FUNGSI KEPATUHANKegiatan usaha bank semakin kompleks seiring dengan perkembangan teknologi informasi, globalisasi, dan integrasi pasar keuangan. Kompleksitas tersebut memberikan dampak terhadap eksposur risiko perbankan sehingga diperlukan upaya-upaya untuk memitigasi berbagai risiko.

Aspek kepatuhan terhadap ketentuan, kaidah dan peraturan perbankan serta manajemen risiko yang baik menjadi upaya preventif yang krusial bagi bank untuk memitigasi atau meminimalkan potensi risiko dari kegiatan usaha. Kedua fungsi itu harus tercermin dalam kebijakan, peraturan, sistem, prosedur, serta operasional bank yang senantiasa dimonitor dan diperbaharui sesuai dengan perkembangan regulasi dan tuntutan zaman (best practice).

COMPLIANCE FUNCTIONBanking activities are getting more complex due to development in information technology, globalization, and integrated financial markets. The complexity resulted in higher risk exposures in the banking system, so efforts to mitigate these risks are urgently needed.

Compliance in banking conditions, rules, and regulations, as well as good risk management is a crucial preventive action for banks in mitigating or minimizing risk potentials. Both functions must be reflected in bank’s policy, regulations, system, procedure, and operation, and must be monitored and updated according to best practices.


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PermataBank merupakan bank nasional yang senantiasa mengedepankan prinsip-prinsip tata kelola yang baik dalam menjalankan bisnis bank. PermataBank berkomitmen untuk terus membangun serta memperkuat budaya kepatuhan secara efektif dan menyeluruh, mulai dari manajemen hingga karyawan. Untuk memastikan fungsi Kepatuhan tersebut terlaksana secara konsisten dan berkesinambungan, PermataBank mempercayakan tanggung jawab ini kepada Direktorat Hukum dan Kepatuhan.

Dalam rangka melaksanakan fungsi Kepatuhan, Direktur Hukum dan Kepatuhan dibantu oleh 4 (empat) Divisi yaitu: Compliance Regulatory Affairs Advisory, Compliance Monitoring & Training, Anti Money Laundering (AML) dan Fraud Risk Management (FRM). Setiap unit kerja memiliki tugas dan tanggung jawab masing-masing untuk memastikan fungsi Kepatuhan PermataBank.

A. Compliance Regulatory Affairs Advisory

Tugas dan Tanggung Jawab Terkait fungsinya sebagai Compliance Advisory & Regulatory

Affairs, satuan kerja ini memiliki tugas dan tanggung jawab sebagai berikut:a) Membuat langkah-langkah dalam rangka mendukung

terciptanya Budaya Kepatuhan pada seluruh kegiatan usaha Bank pada setiap jenjang organisasi, dengan cara membuat kebijakan dan prosedur dalam rangka pengaturan atas penerapan aturan dan ketentuan yang berlaku dan melakukan sosialisasi atas ketentuan dan aturan yang berlaku serta memberikan masukan dan advis kepada unit-unit lain terkait pemenuhan aturan dalam aktivitas usaha Bank;

b) Melakukan review dan/atau merekomendasikan pengkinian dan penyempurnaan kebijakan, ketentuan, sistem maupun prosedur yang dimiliki oleh Bank agar sesuai dengan ketentuan regulator utama yaitu Bank Indonesia dan Otoritas Jasa Keuangan dan peraturan perundang-undangan terkait kegiatan perbankan yang berlaku, termasuk Prinsip Syariah bagi Unit Usaha Syariah;

c) Melakukan upaya-upaya untuk memastikan bahwa kebijakan, ketentuan, sistem dan prosedur, serta kegiatan usaha Bank telah sesuai dengan ketentuan regulator utama dan peraturan perundang-undangan terkait kegiatan perbankan yang berlaku;

PermataBank is a national bank that always puts principles of good governance in running its business. PermataBank is committed to building and strengthening the compliance culture effectively and thoroughly, starting from management levels to employees. To ensure a consistent and sustainable implementation of this Compliance function, PermataBank created a special division called Directorate of Legal and Compliance.

In order to implement the Compliance function, Director of Legal and Compliance is assisted by 4 (four) working units: Compliance Regulatory Affairs Advisory, Compliance Monitoring & Training, Anti Money Laundering (AML) and Fraud Risk Management (FRM). Each unit has its own tasks and responsibilities to ensure PermataBank’s Compliance function is well implemented.

A. Compliance Regulatory Affairs Advisory

Tasks and Responsibilities Due to its function as Compliance Advisory & Regulatory

Affairs, the unit has tasks and responsibilities as follows:

a) Find ways that will support the creation of Compliance Culture in all Bank’s business activities at every level of organization, by making policies and procedures in setting up implementation on current rules and regulations as well as holding socialization and training programs on applicable rules and regulations and providing inputs and advice to other units on complying with rules and regulation in doing Bank’s business activities;

b) Review and/or recommend necessary updates and improvements on Bank’s policies, rules, systems, and procedures to keep it in line with regulations stipulated by Bank Indonesia and Otoritas Jasa Keuangan as well as with laws related to banking activities, including Shariah Principles for Shariah Business Unit;

c) Perform necessary efforts to make sure that Bank’s policies, rules, systems, procedures, and business activities comply with regulations set by regulators and applicable laws on banking activities;

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d) Memonitor pemenuhan atas komitmen Bank kepada Regulator utama, serta berperan sebagai penghubung antara Bank dan Regulator utama terkait aktivitas pengawasan dan pengaturan yang dilakukan oleh regulator utama kepada Bank;

e) Melakukan diskusi dan konsultasi dengan Dewan Pengawas Syariah terkait penerapan dan kepatuhan aspek-aspek Perbankan Syariah; dan

f) Melakukan kegiatan-kegiatan lainnya yang terkait dengan Fungsi Kepatuhan.

Penerapan Fungsi Kepatuhan Fungsi Kepatuhan diterapkan di seluruh bagian dan elemen

organisasi Bank di segala tingkatan jabatan, melalui program kerja yang disesuaikan dengan pengelolaan risiko. Di tahun 2015 terdapat penambahan cakupan penerapan sehubungan dengan efektifnya ketentuan Otoritas Jasa Keuangan tentang Penerapan Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan. Hal ini memerlukan pemantauan ketat dan koordinasi yang erat dengan semua layanan perusahaan keuangan dalam kelompok konglomerasi yang sama dimana standar dan praktik manajemen risiko kepatuhan tidak sama dalam kelompok konglomerasi.

Program Kerja dan Pelaksanaan Fungsi Kepatuhan

Program kerja yang terkait dengan fungsi Compliance Advisory di tahun 2019 antara lain: a) Pemantauan atas kepatuhan Bank terhadap komitmen

yang dibuat oleh Bank kepada BI/OJK dan/atau pengawas lain yang berwenang, baik sebagai bagian dari hasil pemeriksaan maupun komitmen lainnya.

b) Peningkatan budaya kepatuhan dan kepedulian terhadap kepatuhan selalu diterapkan kepada seluruh karyawan dengan tujuan agar melekat dalam keseharian aktivitas dan pekerjaan. Program ini dilakukan melalui serangkaian pelatihan dan sosialisasi peraturan dan kebijakan yang mempunyai dampak signifikan bagi Bank, baik dalam bentuk kunjungan ke jaringan kantor Bank atau melalui pelatihan e-learning.

c) Memastikan rencana strategis Bank sesuai dengan Peraturan BI/OJK dan peraturan terkait lain, serta menyelaraskan kepatuhan dengan strategi dan tujuan bisnis.

d) Monitor the fulfilment of Bank’s commitment to main Regulator, and act as an intermediary between Bank and regulators following supervisory and regulatory activities by regulators;

e) Perform discussion and consultation with Shariah Supervisory Board related to compliance and implementation of Shariah Banking Principles; and

f) Perform other tasks related to Compliance Function.

Implementation of Compliance Function Compliance function is implemented in all parts and

organization elements at every position level, through work programs tailored to risk management. In 2015, there had been additional coverage on the Compliance implementation following regulation by Otoritas Jasa Keuangan on Integrated Risk Management for Financial Conglomerates. This needs close monitoring and coordination with all services provided by financial companies within the same conglomerate group since standards and practices of compliance risk management differ within a group.

Work Programs and Implementation of Compliance Function

Work programs related to Compliance Advisory in 2019 are as follows:a) Monitor Bank’s compliance toward its commitment to BI/

OJK and/or other authorized supervisors regarding audit results or other form of commitments.

b) Compliance culture enhancement and awareness towards compliance are always promoted to all employees so they will be implemented in daily activities and works. This program is conducted through series of training and socialization on rules and policies that have significant impact towards the Bank, which are done through visits to branches or e-learning activities.

c) Make sure that Bank’s strategic plans adhere to BI/OJK’s regulations and other related regulations, and align compliance with business strategies and purposes.


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d) Memastikan Good Corporate Governance berjalan dengan baik, antara lain dengan memastikan adanya partisipasi aktif Direktur Kepatuhan pada komite-komite terkait sehubungan dengan tugasnya, serta melakukan kajian atas Pedoman Kerja (TOR) yang digunakan oleh komite-komite yang ada agar sesuai dengan ketentuan yang berlaku.

e) Melakukan kajian atas produk/aktivitas baru agar risiko kepatuhan dapat diidentifikasi, dipantau, dan dikendalikan secara memadai dalam hubungannya dengan Bisnis dan fungsi kontrol lainnya.

f) Peningkatan fungsi Compliance Advisory, antara lain dengan mewajibkan staf Compliance mengikuti pelatihan internal maupun eksternal, seperti Pelatihan dan Sertifikasi Kompetensi Kepatuhan, Pelatihan dan Sertifikasi Manajemen Risiko, Pelatihan Syariah dan pelatihan lainnya.

Selain itu, Compliance secara konsisten menjalankan fungsi monitoring dan testing guna memastikan ketaatan Bank terhadap ketentuan BI/OJK dan peraturan perundang-undangan yang berlaku.

B. Compliance Monitoring & Training

a) Mengoptimalkan Fungsi Kepatuhan melalui proses pemantauan dan pemeriksaan dari segi kepatuhan (Compliance Testing) dengan tujuan menguji apakah kebijakan, prosedur, ketentuan internal lainnya, sistem maupun aktivitas bisnis PermataBank telah sesuai dengan ketentuan Regulator mencakup ketentuan Otoritas Jasa Keuangan (OJK), ketentuan Bank Indonesia (BI) serta peraturan perundang-undangan lain yang berlaku sehingga potensi risiko kepatuhan maupun risiko kepatuhan aktual di Unit Kerja dan Kantor Cabang PermataBank dapat diidentifikasi dan dikendalikan.

b) Memastikan semua temuan, kelemahan kontrol, dan pelanggaran peraturan (potensial maupun aktual) yang diidentifikasi pada saat Compliance Testing, telah diberikan saran/rekomendasi/feedback dan mendapatkan tanggapan, rencana tindak lanjut, tanggal target penyelesaian beserta penanggung jawab.

d) Ensure Good Corporate Governance is well implemented, such as through active participation of Compliance Director in committees that are connected to his/her job and conducting a review over committees’ Term of Reference (TOR) so it will comply with applicable regulations.

e) Conduct review on new product/activity in order to identify, monitor, and control compliance risks in relation with Business and other control functions.

f) Improve Compliance Advisory function by requiring Compliance staff to join internal and external training, such as Training and Certification on Compliance Competency, Training, and Certification on Risk Management, Shariah Training, and others.

Meanwhile, Compliance must consistently run its monitoring and testing function to ensure Bank’s adherence to regulations issued by BI/OJK and applicable laws.

B. Compliance Monitoring & Training

a) Optimizing Compliance Function through monitoring and assessment process (Compliance Testing) in order to test that PermataBank’s policy, procedure, other internal provisions, system or business activities are inline with regulations of Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI) and other applicable laws; hence potential of compliance risk and actual compliance risk in PermataBank’s working units and branches can be identified and controlled.

b) Ensure all findings, control weakness and breach of regulations (potential and actual) which identified in Compliance Testing process have responded with suggestion/recommendation/feedback and get the respons, action plan and target date including the person in charge.

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c) Menyusun dan menerapkan metodologi pemantauan risiko kepatuhan bank wide secara periodik yang terstruktur dan berkelanjutan dengan mengacu pada ‘best practice’ yang berlaku dengan pendekatan risk based termasuk pemantauan tindak lanjut yang dilakukan terhadap unit kerja atau kantor cabang yang dianggap berisiko tinggi (high risk).

d) Mendukung peningkatan budaya kepatuhan dengan melakukan pelatihan dan komunikasi terkait dengan budaya kepatuhan yang berkesinambungan dengan melaksanakan/memberikan pelatihan atau edukasi (refreshment) perihal budaya kepatuhan mencakup kebijakan-kebijakan internal (yang diterbitkan oleh Divisi Compliance Regulatory Affairs & Advisory) maupun ketentuan-ketentuan Regulator kepada unit kerja atau kantor cabang yang dinilai membutuhkan.

C. Anti Pencucian Uang (APU) PermataBank berkomitmen penuh mematuhi Undang-

Undang dan Peraturan Anti Pencucian Uang yang berlaku di Indonesia. Pelaksanaan komitmen tersebut dilakukan oleh unit kerja Anti Pencucian Uang atau Anti-Money Laundering.

Tugas dan Tanggung Jawaba) Membangun Budaya Kepatuhan yang kuat melalui

pengembangan kurikulum pelatihan yang berjenjang dan terus memberikan pelatihan tatap muka, sosialisasi kebijakan, dan surel (surat elektronik) untuk meningkatkan kesadaran tentang Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU- PPT) di seluruh karyawan.

b) Menyempurnakan infrastruktur kepatuhan dengan terus mengeksplorasi semua fungsi dalam sistem pemantauan transaksi serta mengembangkan sistem Elektronik Due Diligence. PermataBank juga melakukan review terhadap efektivitas dari sistem pemantauan transaksi dan terus melakukan penyempurnaan.

c) Melakukan Manajemen Risiko Kepatuhan secara aktif dengan melakukan review terkait implementasi APU-PPT di cabang secara teratur. Untuk membantu pengawasan terhadap implementasi pelaksanaan Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme maka PermataBank telah membentuk Unit Kerja Khusus yang sudah mendapatkan pelatihan mengenai APU PPT yang berada pada kantor-kantor wilayah Bank. AML team

c) Periodically prepare and implement the structured and sustainable bank wide compliance risk monitoring methodology with reference to applicable best practice with risk based approach including monitoring the follow up by high risk working units or branches.

d) Support the enhancement of compliance culture with training and communication related to continuous compliance culture with education/refreshment or training of compliance culture which covers internal policies (published by Compliance Regulatory Affairs & Advisory Division) or regulations to working units or branches in need.

C. Anti Money Laundering (AML) PermataBank is fully committed to obeying Laws and

Regulations on Anti Money Laundering applicable in Indonesia. The implementation of this commitment will be conducted by Anti-Money Laundering working unit.

Tasks and Responsibilties a) Build a strong Compliance Culture by creating gradual

training curriculum and providing face-to-face training, policy socialization, and electronic mail to all employees in order to increase awareness on Anti-Money Laundering and Counter Terrorism Financing (AML- CTF).

b) Refine compliance infrastructure by continuously exploring all functions in transaction monitoring systems, as well as developing Due Diligence Electronic systems. PermataBank also reviews the effectiveness of transaction monitoring system and implement necessary improvements.

c) Actively perform Compliance Risk Management by reviewing the implementation of AML- CTF in all branches. In monitoring the implementation of Anti Money Laundering and Counter Terrorism Financing, PermataBank has formed Special Working Unit in all office branches, whose members have been trained on AML-CTF. AML team also participates in supervising the implementation of AML-CTF actively in all branches, also


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juga turut serta dalam pelaksanaan supervisi secara aktif terkait pengawasan implementasi APU PPT di kantor cabang, juga dilakukan oleh unit Anti Money Laundering terhadap cabang yang dinilai memiliki risiko tinggi dalam hal pencucian uang dan pendanaan terorisme.

Kebijakan Anti Pencucian Uang PermataBank berkomitmen untuk sepenuhnya mematuhi

Undang-Undang dan Peraturan Anti Pencucian Uang yang berlaku di Indonesia, dan mengambil tindakan yang diperlukan untuk mencegah, mendeteksi dan melaporkan kepada pihak berwenang, dalam kerangka Undang-Undang yang berlaku, segala tindakan terkait pencucian uang, pendanaan terorisme yang diketahui atau dicurigai, aktivitas kriminal lainnya dan transaksi mencurigakan.

Sebagai organisasi yang berkomitmen untuk melakukan pencegahan pencucian uang, PermataBank memiliki program kepatuhan yang meliputi: a) Prosedur untuk melaksanakan program identifikasi

nasabah yang efektif untuk memastikan bahwa proses due diligence tepat dilakukan, dan apabila diperlukan dilakukan proses enhanced due diligence, termasuk untuk memperoleh dan memelihara dokumentasi yang sesuai, dilakukan pada saat pembukaan rekening dan review berkala, apabila diperlukan melalui siklus rekening nasabah dari awal pembukaan sampai berakhirnya hubungan usaha;

b) Proses screening nasabah terhadap daftar teroris yang berlaku;

c) Penunjukan Country Money Laundering Prevention Officer, bertanggung jawab untuk mengkoordinasikan dan memantau pelaksanaan harian kepatuhan sesuai dengan hukum, ketentuan dan peraturan yang berlaku yang berhubungan dengan Anti Pencucian Uang;

d) Pemantauan transaksi termasuk mengambil tindakan yang tepat sesuai dengan hukum yang berlaku untuk melaporkan transaksi keuangan yang mencurigakan kepada Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) ketika aktivitas yang mencurigakan terdeteksi;

e) Ketentuan Anti Tipping-Off;f) Ketentuan Record Retention;

by Anti Money Laundering unit to branches deemed to have high risks of getting involved in money laundering and terrorism funding.

Anti-Money Laundering Policy PermataBank is fully compliant toward Anti-Money

Laundering Laws and Regulations in Indonesia, and takes the necessary steps to prevent, detect and report to the authorities, within prevailing Laws, all action related/alleged to money laundering, known or suspected terrorism funding, and any other criminal activities or suspicious financial transactions.

As an organization that is fully committed to preventing anti-money laundering, PermataBank has AML – CTF programs as follows:a) Effective customer identification procedures to ensure due

diligence process is conducted properly, and, if needed conducts enhanced due diligence, including obtaining and filing relevant documentation, which is done during account opening and regular reviews, if required through customers account cycles from account opening until the end of business relationship;

b) Customer screening processes against to applicable terrorist lists;

c) Appointment of Country Money-Laundering Prevention Officer, who is responsible for coordination and daily monitoring of compliance based on applicable laws, rules, and regulations related to Anti-Money-Laundering.

d) Monitor transactions, including taking measures that are in line with applicable laws to report detected suspicious financial transactions to the Indonesian Financial Transaction Reports and Analysis Center (PPATK);

e) Anti Tipping-Off regulation;f) Record Retention regulation;

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g) Meningkatkan kesadaran tentang pencegahan pencucian uang dan memberikan pelatihan kepada karyawan yang tepat mengenai anti pencucian uang, transaksi yang mencurigakan serta hukum dan peraturan tentang pendanaan terorisme;

h) Pelaporan tentang pelaksanaan Anti Pencucian Uang secara berkala kepada Direksi dan Komisaris;

i) Larangan melakukan hubungan dengan Shell Banks (didefinisikan sebagai bank yang tidak memiliki kehadiran fisik di negara manapun, dan selanjutnya tidak berafiliasi dengan bank manapun yang memiliki kehadiran fisik di negara mana pun);

j) Larangan pembukaan rekening anonim (tanpa nama) atau nama rekayasa (fiktif);

k) Pelaksanaan Program Know Your Employee (KYE).

PermataBank tidak memperbolehkan penggunaan rekening koresponden secara langsung oleh pihak ketiga untuk melakukan transaksi bisnis atas nama pihak ketiga (payable-through accounts).

PermataBank adalah perusahaan publik yang terdaftar di Bursa Efek Indonesia dan diregulasi oleh Bank Indonesia dan Otoritas Jasa Keuangan. Sebagai lembaga keuangan yang bertanggung jawab, PermataBank memiliki kewajiban untuk bekerja sama dengan regulator dan lembaga penegak hukum lainnya.

Program Kerja dan Pelaksanaan Fungsi Di tahun 2020, beberapa inisiatif yang dilaksanakan untuk

mendukung program APU-PPT antara lain:• Melakukan penyesuaian dan penyempurnaan terhadap

prosedur, sistem dan formulir CDD sesuai dengan Peraturan Otoritas Jasa Keuangan No. 23/POJK.01/2019.

• Melanjutkan program sertifikasi Anti Pencucian Uang untuk karyawan yang berhubungan dengan nasabah pada Retail Banking, Network, Wholesale Banking, Special Asset Management dan Operation, baik secara tatap muka (classroom) maupun system e-learning (eCertification).

g) Increase awareness on money laundering prevention and provide employee training programs on anti-money laundering, suspicious transactions, and laws and regulations on terrorism funding;

h) Report Anti-Money-Laundering efforts to the Boards of Directors and Board of Commissioners on regular basis;

i) Prohibit connection with Shell Banks (defined as a bank with no physical presence in any country, and is unaffiliated with any bank that has physical presence in any country);

j) Prohibit any anonymous account opening or account opening under a false name;

k) Implement a program called Know Your Employee (KYE).

PermataBank does not allow the use of payable-through accounts by third parties to conduct business transaction on behalf of third party.

PermataBank is a public company listed on the Indonesia Stock Exchange and regulated by Bank Indonesia and Otoritas Jasa Keuangan. As a responsible financial institution, PermataBank is obliged to work with regulators and other law enforcements.

Work Programs and Function Implementations In 2020, a number of initiatives implemented to support AML-

CTF program, including:• Make adjustments and improvements on Anti Money

Laundering and Counter Terrorism Financing (AML CTF) policies, such as procedures, systems, and forms as stated in the Otoritas Jasa Keuangan Regulation No. 23/POJK.01/2019.

• Continue Anti Money Laundering certification program for employees whose jobs related to customers on Retail Banking, Network, Wholesale Banking, Special Asset Management and Operation through classroom or e-learning.


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• Melakukan review yang lebih mendalam atas nasabah dengan kategori Politically Exposed Person dan Instansi Pemerintahan.

• Melakukan penyempurnaan dalam menentukan tingkat risiko cabang/regional dan juga kecukupan dalam menentukan jumlah Unit Kerja Khusus (UKK).

• Bekerja sama dengan unit bisnis dan teknologi Informasi dalam pengembangan proses penyaringan terhadap data teroris dan daftar hitam lainnya dalam upaya mendukung pembukaan rekening melalui channel digital.

• Membangun AML Awareness melalui media internal PermataBank yang berkaitan dengan issue pilkada/penerapan CDD di cabang.

• Melakukan proses penyempurnaan terhadap jangka waktu (TAT) untuk penutupan alert atas transaksi nasabah yang tidak wajar.

• Melakukan penyesuaian parameter atas skenario alert pada system AML.

Dasar Acuan dan Kendala yang Dihadapi Pada umumnya tidak ada kendala khusus yang dihadapi

namun sesuai dengan komitmen Bank maka Bank terus melakukan pembenahan terhadap kualitas data nasabah sehingga pelaporan Bank kepada Regulator dapat disampaikan dengan lebih baik.

FRAUD RISK MANAGEMENT (FRM)Fungsi lain terkait kepatuhan yang juga menjadi fokus PermataBank adalah manajemen risiko fraud, yang terangkum dalam Fraud Risk Management Framework (FRMF). FRMF meliputi aktivitas pencegahan, pendeteksian, pemberian respons dan efek jera tersebut ke dalam strategi yang lengkap untuk mengelola risiko fraud di PermataBank dalam rangka mencapai level tertinggi dalam hal integritas bisnis.

Tanggung jawab ini diemban oleh unit kerja Fraud Risk Management (FRM) di bawah koordinasi Direktorat Hukum dan Kepatuhan. Unit tersebut dipimpin oleh Head FRM yang melapor langsung kepada Direktur Hukum dan Kepatuhan.

• Conduct review on Politically Exposed Person category and government institutions.

• Make improvement in determining risk levels of each branch, as well as determining the number of Special Working Unit.

• Work together with business units and Information Technology in developing filtering process in terrorist data and other black lists as part of efforts to promote bank account opening through digital channel.

• Build AML Awareness through PermataBank’s internal media related to election issues/implementing CDD in branches.

• Conduct an improvement process to the time period (TAT) for closing alerts of customer’s transaction.

• Conduct adjustment parameters for alert scenarios on the AML System.

Basic References and Challenges In general, there were no specific challenges in doing work

programs. However, Bank has committed to continuously revamping customer data hence any reporting to regulators can be better delivered.

FRAUD RISK MANAGEMENT (FRM)Another function related to compliance that is also a focus in PermataBank is Fraud Risk Management, which is summarized in the Fraud Risk Management Framework (FRMF). The framework includes preventive actions, detection, response and deterrent effects in a complete strategy to manage fraud risks in PermataBank in order to reach the highest level of business integrity.

This responsibility is carried out by the Fraud Risk Management (FRM) work unit under the Directorate of Legal and Compliance. The unit is led by FRM Head who directly reports to Director of Legal and Compliance.

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Tugas dan Tanggung JawabUnit Fraud Risk Management memiliki tugas dan tanggung jawab sebagai berikut:a. Memberikan saran dan pendapat mengenai manajemen risiko

fraud kepada Head of Business/Functional Units.b. Melaksanakan Fraud Risk Assessment (FRA) pada unit/

produk/proses/aktivitas tertentu berdasarkan prioritas kebutuhan/program yang direncanakan/permintaan Direksi/FOC atau Direktur/Kepala dari unit terkait.

c. Membantu Head of Business/Functional Units dalam membuat prosedur yang relevan, proses dan kontrol minimum untuk memitigasi risiko fraud.

d. Membuat dan memastikan implementasi dari proses yang jelas untuk staf dalam menyampaikan laporan fraud, contoh: mekanisme Speak-Up.

e. Menyediakan informasi bagi FOC atas kasus fraud yang signifikan, tren/isu fraud pada saat rapat FOC.

f. Mengusulkan kepada Direktur Hukum dan Kepatuhan atas penggunaan konsultan eksternal/investigator untuk kasus-kasus fraud yang signifikan bila diperlukan.

g. Menyediakan bahan pembelajaran yang sesuai untuk disebarluaskan ke seluruh PermataBank jika memang dipandang perlu.

h. Membuat pelatihan dan program kesadaran atas risiko fraud untuk para karyawan.

i. Memberikan saran secara langsung dan/atau mengelola investigasi atas insiden fraud yang signifikan.

j. Bertindak sebagai koordinator utama dalam hal manajemen risiko fraud.

k. Melaporkan fraud signifikan yang dilaporkan oleh Head of Business/Functional Units ke Otoritas Jasa Keuangan.

Kerangka Kerja Manajemen Risiko FraudKerangka kerja manajemen risiko fraud terangkum dalam Fraud Risk Management Framework (FRMF), yang meliputi aktivitas pencegahan, pendeteksian, pemberian respons dan efek jera tersebut ke dalam strategi yang lengkap untuk mengelola risiko fraud di PermataBank dalam rangka mencapai level tertinggi dalam hal integritas bisnis.

Tasks and Responsibilities Tasks and responsibilities of the Fraud Risk Management unit are as follows:a. Provide suggestions and opinions regarding Fraud Risk

Management to Head of Business/Functional units.b. Conduct Fraud Risk Assessments (FRA) on certain units/

products/processes/activities based on priority demands/ planned programs/requests from the Board of Directors, Fraud Oversight Committee (FOC), or Director/Head of related units.

c. Assist Head of Business/Functional Units in creating relevant procedures and processes, as well as minimum control to mitigate fraud risks.

d. Ensure a clear implementation process for staff in delivering fraud reports, such as: Speak-Up mechanism.

e. Provide information for FOC on significant fraud cases, fraud trend/issues during FOC meeting.

f. Provide suggestions to Director of Legal and Compliance concerning hiring an external consultant/investigator to handle significant fraud cases, if required.

g. Provide learning materials to be distributed to all levels in PermataBank if it is deemed necessary.

h. Develop training and awareness programs concerning fraud risks for all employees.

i. Provide direct advice and/or lead investigation processes regarding any significant fraud incident.

j. Act as a main coordinator in Fraud Risk Management.

k. Report any significant fraud cases delivered by Head of Business/Functional Units to Otoritas Jasa Keuangan.

Fraud Risk Management Framework The framework of Fraud Risk Management is summarized in the Fraud Risk Management Framework (FRMF), which includes prevention, detection, response and deterrent effects into a comprehensive strategy in managing fraud risk across PermataBank in order to achieve the highest level of business integrity.


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I. Pencegahan Pencegahan dilakukan melalui peningkatan kesadaran fraud

sebagai bagian dari program pengembangan karyawan. Upaya yang telah dilakukan dalam aspek pencegahan adalah:1. Menerbitkan Fraud Alert, yakni tulisan melalui e-mail/surel

yang menginformasikan kepada seluruh karyawan tren/modus kejahatan fraud yang berkembang dengan tujuan membangun kepedulian dan kesadaran terhadap risiko fraud tersebut. Fraud Alert juga memuat pembelajaran dari kasus/kejadian internal dan/atau eksternal fraud di PermataBank.

2. E-Learning Anti-Fraud adalah salah satu training online untuk meningkatkan kepedulian terhadap fraud yang dikemas dalam bentuk animasi yang berisikan soal-soal yang wajib diikuti oleh semua karyawan PermataBank.

3. Unit Fraud Risk Management juga melakukan pelatihan/sharing session internal untuk pembelajaran risiko dan bentuk/tren fraud perbankan.

II. Deteksi Upaya pendeteksian dini terhadap kemungkinan terjadinya

fraud antara lain dilakukan melalui mekanisme surprise/ spesial audit, whistleblowing, dan pemantauan atas pengaduan Nasabah yang terjadi di cabang.

1. Surprise Audit/Special Audit

Surprise audit/special audit merupakan bagian program audit yang secara rutin dilakukan oleh Bank.

Satuan Kerja Audit Internal (SKAI) PermataBank juga melakukan special audit untuk mendeteksi munculnya potensi risiko fraud dari suatu unit, produk atau pun program.

2. Whistleblowing (Speak Up)

Selama tahun 2019, Administrator Speak Up menerima total 18 laporan. Seluruh laporan pengaduan dengan indikasi pelanggaran kode etik telah ditindaklanjuti sesuai dengan kebijakan yang berlaku.

3. Penanganan Komplain dari Nasabah dan Kegiatan Surveillance

Unit FRM juga melakukan kegiatan pemantauan (surveillance) bersamaan dengan penanganan komplain

I. Prevention Prevention is conducted through fraud awareness as a part of

the employee development program. Following are activities conducted in prevention process:1. Publish Fraud Alerts, which is in a written form and

distributed through email to inform all employees concerning current fraud trend/methods in order to build the staff’s awareness regarding such risks. The Fraud Alert also covers lessons learnt from previous internal and external fraud cases in PermataBank.

2. Anti-Fraud e-learning is one of online training aimed at increasing awareness regarding fraud, which is delivered in the form of scored computer animation games/quizzes that are mandatory for all PermataBank’s employees.

3. The Fraud Risk Management Unit also conducts internal training/sharing sessions regarding lessons learnt and bank fraud case typologies.

II. Detection An early detection program to identify possible fraud is

performed through a surprise mechanism/special audit, whistleblowing, and monitoring of Customer’s complaints at the branches.

1. Surprise Audit/Special Audit Surprise audit/special audit is part of our routine audit

program conducted by PermataBank.

The Internal Auditor Task Force also performs a special audit to detect any potential fraud risk from a unit, product or program.

2. Whistleblowing (Speak Up) In 2019, the Speak Up Administrator received a total of

18 Speak Up reports. All reports that were indicating violations in the Code of Conduct have been followed up in accordance with applicable policies.

3. Customer Complaints Handling and Surveillance Activities

FRM Unit also conducts surveillance activities while handling customer complaints. The fraud advisor/

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dari nasabah. Dalam kegiatan tersebut, fraud advisor/ examiner membantu mengidentifikasi kelemahan (jika ada) dari kebijakan dan prosedur yang ada di cabang.

Selama tahun 2019, Unit FRM juga secara periodik melakukan surveillance dalam rangka mengantisipasi kejadian fraud melalui/di mesin ATM Bank.

III. Investigasi, Pelaporan dan Sanksi PermataBank telah memiliki mekanisme pengawasan dan

pemantauan oleh Fraud Oversight Committee (FOC) terkait pelaporan dan penyelesaian kasus fraud signifikan yang terjadi. Selama tahun 2019, FOC mengadakan 4 (empat) kali pertemuan untuk membahas laporan kasus/trend fraud signifikan yang terjadi di PermataBank.

Kebijakan Fraud Risk Management Framework (FRMF) dan Laporan Implementasi Strategi Anti Fraud

Sesuai SEBI No. 13/28/DPNP tentang penerapan ‘Strategi Anti Fraud bagi Bank-Bank Umum’, PermataBank telah menyampaikan laporan implementasi dari Strategi Anti Fraud untuk Semester II/2019 kepada Pengawas Otoritas Jasa Keuangan di bulan Januari 2020.

IV. Pengawasan dan Evaluasi Dari insiden fraud yang terjadi selama periode 2019, telah

dilakukan perbaikan pada kebijakan dan prosedur yang ada. Hal ini dilakukan untuk mencegah kejadian fraud serupa terulang kembali.

Program Kerja dan Pelaksanaan FungsiJumlah karyawan yang besar dan tersebar di berbagai wilayah menjadi tantangan tersendiri bagi PermataBank untuk melaksanakan manajemen risiko fraud. Namun, hal itu tidak menyurutkan semangat bank untuk memerangi praktik korupsi dan memunculkan berbagai terobosan dan inisiatif program kerja sebagai berikut:a. Memperkenalkan Kode Etik dan Budaya Kepatuhan kepada

setiap karyawan ketika pertama kali bergabung.b. Mewajibkan karyawan menandatangani Kode Etik.c. Melakukan evaluasi terhadap Kode Etik Perilaku Karyawan.

examiner helps to identify weaknesses (if any) from existing policies and procedures in branches.

In 2019, FRM Unit has conducted surveillance in order to mitigate any potential fraud via Banks’ ATM.

III. Investigations, Reporting and Sanctions PermataBank has oversight and monitoring mechanisms

being performed by the Fraud Oversight Committee (FOC), due to an escalation in reporting and follow-ups of significant fraud cases. In 2019, FOC has organized 4 (four) meetings to discuss significant fraud cases/trends in PermataBank.

Fraud Risk Management Framework (FRMF) Policy and Anti Fraud Strategy Implementation

According to BI Circular Letter No. 13/28/DPNP regarding the ‘Anti Fraud Strategy for Commercial Banks’, PermataBank has submitted the Anti Fraud Strategy implementation report for the second half of 2019 to Otoritas Jasa Keuangan in January 2020.

IV. Monitoring and Evaluation From fraud incidents committed in 2019, PermataBank has

made improvements to existing policies and procedures in order to avoid similar fraud incidents in the future.

Work Programs and Function Implementations Having a large number of employees spread across various regions is a challenge for PermataBank in conducting fraud risk management. However, it will not discourage banks to fight against corruption practices and create breakthroughs and initiatives in work programs, such as:

a. Promote the Code of Conduct and Compliance Culture to all employees when they first join.

b. Require employees to sign the Code of Conduct.c. Conduct an evaluation on Employees’ Code of Conduct.


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d. Menggiatkan training jarak jauh berbasiskan digital (e-learning) terkait Kode Etik dan Budaya Kepatuhan, dan prosedur Anti-Korupsi.

e. Aktif melakukan training tatap muka terkait Kode Etik dan Budaya Kepatuhan, dan prosedur Anti-Korupsi (Training for Trainer) kepada unit kerja khusus di tingkat regional agar dapat diteruskan kepada karyawan di wilayah masing-masing.

f. Melakukan sosialisasi atau refreshment kepada karyawan terkait Kode Etik Perilaku Karyawan dan prosedur Anti-Korupsi.

g. Melakukan kampanye terkait Kode Etik dan Budaya Kepatuhan melalui wallpaper dan Director’s Message.

h. Memberikan dukungan atas permintaan rekomendasi atau saran dari seluruh unit di PermataBank terkait Kode Etik.

i. Melakukan monitoring atas pemenuhan pelaksanaan e-learning, yang hasilnya dilaporkan kepada Direktur Kepatuhan dan melalui Laporan Profil Risiko.

Pelaksanaan Kerangka Kerja Manajemen Risiko FraudPenerapan kerangka dan strategi Anti Fraud serta manajemen risiko fraud akan terus dikembangkan terutama pada beberapa area berikut:• Identifikasi faktor-faktor kunci dan area kritis dalam

pengelolaan risiko fraud.• Penyusunan panduan untuk unit-unit yang berperan dalam

proses investigasi fraud.• Penyusunan kerangka kerja dari para pengampu risiko fraud

dengan akuntabilitas peran dan tanggung jawab yang jelas.• Penerapan strategi anti-fraud yang berkelanjutan untuk

pencegahan, deteksi, respons dan mekanisme “efek jera” terkait risiko fraud.

Fraud Risk Assessment (FRA)FRM akan meneruskan penerapan Fraud Risk Assessment (FRA) yang merupakan salah satu komponen utama dalam penerapan kebijakan FRMF, melalui kajian berkelanjutan untuk mengevaluasi pencegahan, pendeteksian dan respons terhadap setiap potensi skema dan kejadian fraud. FRA akan dilakukan pada unit/produk/proses/aktivitas yang memiliki risiko fraud yang cukup tinggi, baik yang terpantau dari kenaikan insiden fraud maupun penambahan volume yang signifikan.

d. Enhance digital-based remote training (e-learning) on the Code of Conduct and Compliance Culture, as well as Anti- Corruption procedures.

e. Actively conduct face-to-face training regarding Code of Conduct, Compliance Culture, and Anti-Corruption procedures (Training for Trainer) to special work units at the regional level hoping that it will be passed down to employees in each region.

f. Conduct socialization or refreshment activities for all employees regarding Code of Conduct and Anti- Corruption procedures.

g. Hold a campaign regarding the Code of Conduct and Compliance Culture through wallpaper and Directors’ Message.

h. Provide support for recommendation requests or suggestions from all units in PermataBank related to the Code of Conduct.

i. Monitor the implementation of e-learning and report the results to Director of Compliance through Risk Profile Reporting.

Fraud Risk Management Framework ImplementationThe Anti-Fraud framework and strategy implementation as well as Fraud Risk Management will be continuously improved, especially concerning the following areas:• Identify key factors and critical areas in fraud risk management.

• Formulate guidelines for units involved in fraud investigation process.

• Developing a framework for fraud risk monitors, with clear accountabilities and responsibilities.

• Continuous implementation of the anti-fraud strategy, which consists of prevention, detection, response and deterrence effects related to the fraud risk.

Fraud Risk Assessment (FRA) FRM will continue the implementation of Fraud Risk Assessment (FRA) as a part of main component in FRMF implementation, through continuous monitoring to evaluate the prevention, detection and response activity concerning each potential fraud scheme and other incidents. FRA will be performed on units/products/processes/activities with a high risk of fraud, assessed by the increase of fraud incidents, or significantly increased in volume.

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INTERNAL FRAUDPermataBank melakukan berbagai upaya pencegahan terhadap kemungkinan terjadinya internal fraud, di antaranya dengan cara:a) Menerbitkan fraud alert berupa tulisan dan disebarkan melalui email/

surel yang menginformasikan kepada seluruh karyawan tentang tren/modus kejahatan fraud yang berkembang dengan tujuan membangun kepedulian dan kesadaran terhadap risiko fraud.

b) Mengelola program e-learning fraud, yakni model pelatihan/ pembelajaran fraud awareness yang dikemas dalam bentuk animasi komputer disertai soal-soal pertanyaan, yang wajib diikuti oleh seluruh karyawan PermataBank.

c) Menyelenggarakan pelatihan pengenalan fraud bagi karyawan baru (induction training).

d) Kebijakan blokir internal rekening giro dan tabungan nasabah terindikasi fraud untuk mencegah penggunaan rekening untuk menampung hasil kejahatan.

Tabel di bawah ini mengungkapkan kasus internal fraud di PermataBank selama tahun 2019:

Internal Fraud* dalam 1 TahunIntern Fraud within 1 Year

Jumlah Kasus yang Dilakukan olehNumber of Cases Conducted by


Member of BoC and BoD

Pegawai TetapPermanent Employee

Pegawai Tidak Tetap dan Tenaga Kerja Alih DayaTemporary Employee

and Outsourching

2018 2019 2018 2019 2018 2019

Jumlah Internal Fraud | Number of Internal fraud - - 1 3 - -

Telah Diselesaikan | Resolved Cases - - 1 1 - -

Dalam proses penyelesaian Internal | In process of internal settlement - - - - - -

Belum diupayakan Penyelesaiannya | Pending Settlement - - - - - -

Telah ditindaklanjuti melalui proses hukum | Under legal process - - - 2 - -

* Total kasus fraud dengan nominal di atas 100 juta | Fraud cases with nominal value over Rp100 million

TRANSAKSI YANG MENGANDUNG BENTURAN KEPENTINGANSelama tahun 2019, tidak terdapat transaksi material yang mengandung benturan kepentingan di PermataBank, yang dapat merugikan atau mengurangi keuntungan PermataBank.

No

Nama dan jabatan pihak yang Memiliki Benturan

KepentinganName and Position as Party

with Conflict of Interest

Nama dan jabatan Pengambil KeputusanName and Position as

Decision Maker

Jenis TransaksiType of Transaction

Nilai Transaksi (Jutaan Rupiah)

Value of Transaction (Million Rupiah)

KeteranganNote

- Nihil | Nil Nihil | Nil Nihil | Nil Nihil | Nil Nihil | Nil

INTERNAL FRAUDPermataBank takes all necessary efforts to prevent potential Internal Fraud, including through: a) Publishing fraud alerts, which are written and distributed via

e-mail to inform all employees about the growing fraud trends/modus with an aim to build awareness to fraud risks.

b) Launching fraud e-learning program, a model of training/ learning regarding fraud awareness in the form of scored computer animation games/quizzes that are mandatory for all of PermataBank employees.

c) Providing fraud introduction training for new employees (induction training).

d) Implementing policy to internally block current and deposit accounts of customers, which are indicating alleged involvement in fraud to prevent accounts from being used to save illegal funds.

The following table presents the details of internal fraud cases in PermataBank throughout 2019:

CONFLICTS OF INTEREST TRANSACTIONS

There were no material transactions that contain conflicts of interest in PermataBank during 2019, that is detrimental to PermataBank or reduces PermataBank’s profits.


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TRANSAKSI AFILIASI SESUAI PERATURAN BAPEPAM-LK NO. IX.E.1

Selama tahun 2019, tidak terdapat Transaksi Afiliasi yang memenuhi ketentuan Peraturan Bapepam-LK No. IX.E.1, khususnya Pasal 2.a yang mensyaratkan PermataBank untuk melakukan keterbukaan informasi sehubungan dengan pelaksanaan Transaksi Afiliasi kepada Otoritas Jasa Keuangan dan publik.

Transaksi Afiliasi di PermataBank (jika ada) dilaksanakan sesuai dengan ketentuan peraturan yang berlaku (Peraturan Bapepam-LK No. IX.E.1), termasuk prinsip “fair and at arms’ length”.

PEMBERIAN DANA UNTUK KEGIATAN SOSIAL DAN POLITIKPermataBank tidak terlibat dalam kegiatan politik dan tidak memberikan donasi untuk kepentingan politik. Sebaliknya, kepedulian yang tinggi terhadap masalah sosial dan lingkungan hidup merupakan bagian penting dari tugas dan tanggung jawab PermataBank terhadap masyarakat.

Penjelasan secara lebih rinci mengenai masalah sosial dan lingkungan hidup selama tahun 2019 terdapat di dalam Laporan Keberlanjutan PermataBank 2019.

TRANSPARANSI KONDISI KEUANGAN DAN NON KEUANGAN BANK

Penjelasan tentang Transparansi Kondisi Keuangan dan Non KeuanganTransparansi atas kondisi keuangan dan non keuangan PermataBank selama tahun 2019 telah dilakukan sesuai dengan ketentuan yang berlaku, dan disampaikan serta dipublikasikan melalui media cetak maupun situs web Bank Permata sebagai berikut:1. Laporan Keuangan Tahunan, yang disusun dan disajikan

sesuai dengan ketentuan dan disampaikan kepada regulator, serta dipublikasikan melalui media cetak, situs web OJK, Bursa Efek Indonesia dan PermataBank.

2. Laporan Keuangan Triwulanan, yang disusun dan disajikan sesuai dengan ketentuan dan disampaikan kepada regulator,

AFFILIATED PARTY TRANSACTION IN ACCORDANCE WITH BAPEPAM-LK REGULATION NO. IX.E.1During 2019, there was no Affiliated Party Transaction that fulfilled the requirement of Bapepam-LK No. IX.E.1, particularly Article 2.a which required PermataBank to disclose information related to the Affiliated Party Transaction to the Financial Service Authority and public.

Affiliated Party Transaction in PermataBank (if any) is conducted pursuant to prevailing regulations (Bapepam-LK No. IX.E.1). including fair and at arms’ length principle.

FUND PROVISION FOR SOCIAL AND POLITICAL ACTIVITINESSPermataBank is not involved in any political activities and does not provide donation to serve political interests. On the other hand, strong awareness on social and environmental issues is an essential element of PermataBank is responsibility to the communities.

Detailed report on social and environment issue in 2019 is available in PermataBank Sustainability Report 2019.

TRANSPARENCY ON BANK’S FINANCIAL AND NON-FINANCIAL CONDITION

Statement on Transparency of Financial and Non-Financial Conditions During 2019, PermataBank complied with all relevant requirements on transparency of PermataBank’s financial and non-financial conditions, as submitted and published through the print media and PermataBank’s website, as follows:

1. Annual Financial Report, prepared and presented in accordance with relevant regulations, and submitted to regulators, as well as published in the print media and on the websites of OJK, Indonesia Stock Exchange, and PermataBank.

2. Quarterly Financial Reports, prepared and presented in accordance with relevant regulations, and submitted to

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serta dipublikasikan melalui media cetak, situs web OJK, Bursa Efek Indonesia dan PermataBank.

3. Laporan Keuangan Bulanan, yang disusun dan disajikan sesuai dengan ketentuan dan disampaikan kepada regulator, serta dipublikasikan melalui situs web OJK dan PermataBank.

4. Informasi terkait Tata Kelola Perusahaan, yang di antaranya adalah Laporan Tahunan Tata Kelola Perusahaan, Visi, Misi, Nilai Perusahaan, Komposisi dan Profil Dewan Komisaris dan Direksi, serta ketentuan internal terkait tata kelola seperti Anggaran Dasar dan kebijakan-kebijakan terkait tata kelola yang juga dipublikasikan melalui situs web PermataBank.

5. Informasi Produk dan Layanan PermataBank termasuk jaringan kantor dipublikasikan melalui Laporan Tahunan dan situs web PermataBank, agar nasabah, investor dan masyarakat luas dapat dengan mudah mengakses informasi atas produk dan layanan Bank.

6. Informasi Prosedur Penyampaian Pengaduan, yang dipublikasikan melalui situs web PermataBank untuk pelaksanaan ketentuan perlindungan konsumen.

7. Informasi-informasi lainnya yang bertujuan untuk mendukung keterbukaan informasi, serta layanan kepada masyarakat.

Laporan Transaksi Spot dan Derivatif | Spot and Derivatives Transaction ReportTanggal 31 Desember 2019 | 31 December 2019

(Dalam Jutaan Rupiah) (In Million Rupiah)

No. TransaksiTransaction

Bank

Nilai NotionalNotional Amount

Tujuan | Purpose Tagihan dan Liabilitas DerivatifDerivative Receivables and Liabilities

DiperdagangkanTrading

Lindung NilaiHedging

TagihanReceivables

LiabilitasLiabilities

A. Terkait dengan Nilai Tukar | Related to Foreign Exchange1. Spot 967.079 967.079 - 1.293 1.224 2. Forward 12.273.768 12.273.768 - 133.364 65.801 3. Option

a. Jual | Sell - - - - - b. Beli | Buy 277.650 277.650 - 1.641 1.641

4. Future | Others - - - - - 5. Swap - - - - -

6. Lainnya | Others - - - - - B. Terkait dengan Suku Bunga | Related to Interest Rate1. Forward - - - - - 2. Option

a. Jual | Sell - - - - - b. Beli | Buy - - - - -

3. Future | Others - - - - - 4. Swap 555.988 555.988 - - 9.395 5. Lainnya | Others - - - - - C. Lainnya | Others 2.537.478 2.537.478 84.437 4.040

Jumlah | Total 16.611.963 16.611.963 - 220.735 82.101

regulators, as well as published in the print media and on the websites of OJK, Indonesia Stock Exchange, and PermataBank.

3. Monthly Financial Reports, prepared and presented in accordance with relevant regulations, and submitted to regulators, as well as published in the print media and on the websites of OJK, and PermataBank.

4. Information related to Corporate Governance, including the Annual Corporate Governance Report, Vision, Mission and Corporate Values, Composition and Profiles of the Board of Commissioners and the Board of Directors, as well as internal policies pertaining to corporate governance such as the Articles of Association and other governance-related internal policies as published on PermataBank’s website.

5. Information on Products and Services, including PermataBank’s office network, as published in the Annual Report and on PermataBank’s website to facilitate access by customers, investors and the general public.

6. Information on Complaint Procedures, as published on PermataBank’s website in compliance with regulations on consumer protection.

7. Other relevant information in the interest of information disclosure and public service.


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Laporan Kualitas Aset Produktif dan Informasi LainnyaProductive Asset Quality Report and Other InformationTanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018


No. Pos-PosPosts

Bank2019 2018

L DPK KL D M JumlahTotal L DPK KL D M Jumlah

TotalI. Pihak Terkait | Affiliated Parties1. Penempatan pada bank lain | Placements with other banks

a. Rupiah | Rupiah 29 - - - - 29 29 - - - - 29 b. Valuta asing | Foreign currencies 424.890 - - - - 424.890 543.088 - - - - 543.088

2. Tagihan spot dan derivatif | Spot and derivative receivablesa. Rupiah | Rupiah - - - - - - 663 - - - - 663 b. Valuta asing | Foreign currencies 4 - - - - 4 8 - - - - 8

3. Surat berharga | Securitiesa. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

4. Surat berharga yang dijual dengan janji dibeli kembali (repo)Securities sold under repurchase agreements (repo)a. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Securities purchased under resale agreements receivables (reverse repo)a. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

6. Tagihan akseptasi | Acceptance receivables - - - - - - 23.136 - - - - 23.136 7. Kredit * | Credit*

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) MSME debtors i. Rupiah | Rupiah 7.847 - - - - 7.847 10.631 - - - - 10.631 ii. Valuta asing | Foreign currencies - - - - - - - - - - - -b. Bukan debitur UMKM | Non MSME debtors i. Rupiah | Rupiah 739.585 3.228 - - - 742.813 282.815 3.295 - - 32 286.142 ii. Valuta asing | Foreign currencies - - - - - - - - - - - -c. Kredit yang direstrukturisasi | Restructured loans i. Rupiah | Rupiah - - - - - - - - - - - - ii. Valuta asing | Foreign currencies - - - - - - - - - - - -d. Kredit properti 547.746 1.761 - - - 549.507 134.345 2.683 - - - 137.028

8. Penyertaan | Investment 173.477 - - - - 173.477 172.678 - - - - 172.678 9. Penyertaan modal sementara | Temporary capital investments - - - - - - - - - - - -

10. Tagihan lainnya | Other receivables - - - - - - - - - - - -11. Komitmen dan kontinjensi ** | Commitments and contingencies **

a. Rupiah | Rupiah 869.185 - - - - 869.185 1.565.929 - - - - 1.565.929 b. Valuta asing | Foreign currencies 17.528 - - - - 17.528 5.781 - - - - 5.781

12. Aset yang diambil alih | Foreclosed assets - - - - - - - - - - - -

179Main Highlights






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No. Pos-PosPosts

Bank2019 2018


TotalI. Pihak Terkait | Affiliated Parties1. Penempatan pada bank lain | Placements with other banks

a. Rupiah | Rupiah 29 - - - - 29 29 - - - - 29 b. Valuta asing | Foreign currencies 424.890 - - - - 424.890 543.088 - - - - 543.088

2. Tagihan spot dan derivatif | Spot and derivative receivablesa. Rupiah | Rupiah - - - - - - 663 - - - - 663 b. Valuta asing | Foreign currencies 4 - - - - 4 8 - - - - 8

3. Surat berharga | Securitiesa. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

4. Surat berharga yang dijual dengan janji dibeli kembali (repo)Securities sold under repurchase agreements (repo)a. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Securities purchased under resale agreements receivables (reverse repo)a. Rupiah | Rupiah - - - - - - - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

6. Tagihan akseptasi | Acceptance receivables - - - - - - 23.136 - - - - 23.136 7. Kredit * | Credit*

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) MSME debtors i. Rupiah | Rupiah 7.847 - - - - 7.847 10.631 - - - - 10.631 ii. Valuta asing | Foreign currencies - - - - - - - - - - - -b. Bukan debitur UMKM | Non MSME debtors i. Rupiah | Rupiah 739.585 3.228 - - - 742.813 282.815 3.295 - - 32 286.142 ii. Valuta asing | Foreign currencies - - - - - - - - - - - -c. Kredit yang direstrukturisasi | Restructured loans i. Rupiah | Rupiah - - - - - - - - - - - - ii. Valuta asing | Foreign currencies - - - - - - - - - - - -d. Kredit properti 547.746 1.761 - - - 549.507 134.345 2.683 - - - 137.028

8. Penyertaan | Investment 173.477 - - - - 173.477 172.678 - - - - 172.678 9. Penyertaan modal sementara | Temporary capital investments - - - - - - - - - - - -

10. Tagihan lainnya | Other receivables - - - - - - - - - - - -11. Komitmen dan kontinjensi ** | Commitments and contingencies **

a. Rupiah | Rupiah 869.185 - - - - 869.185 1.565.929 - - - - 1.565.929 b. Valuta asing | Foreign currencies 17.528 - - - - 17.528 5.781 - - - - 5.781

12. Aset yang diambil alih | Foreclosed assets - - - - - - - - - - - -


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No. Pos-PosPosts

Bank2019 2018


TotalI. Pihak Tidak Terkait | Non Affiliated Parties1. Penempatan pada bank lain | Placements with other banks

a. Rupiah | Rupiah 6.855.191 - - - - 6.855.191 3.965.207 - - - - 3.965.207 b. Valuta asing | Foreign currencies 2.293.441 - - - - 2.293.441 2.129.280 - - - - 2.129.280

2. Tagihan spot dan derivatif | Spot and derivative receivablesa. Rupiah | Rupiah 213.876 - - - - 213.876 212.102 - - - - 212.102 b. Valuta asing | Foreign currencies 6.855 - - - - 6.855 3.296 - - - - 3.296

3. Surat berharga | Securitiesa. Rupiah | Rupiah 9.664.617 - - - - 9.664.617 14.716.550 - - - - 14.716.550 b. Valuta asing | Foreign currencies 664.507 - - - - 664.507 688.640 - - - - 688.640

4. Surat berharga yang dijual dengan janji dibeli kembali (repo)Securities sold under repurchase agreements (repo)a. Rupiah | Rupiah 4.929.681 - - - - 4.929.681 - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Securities purchase under resale agreements receivable (reverse repo)a. Rupiah | Rupiah 1.534.574 - - - - 1.534.574 - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

6. Tagihan akseptasi | Acceptance receivables 1.626.348 49.152 - 42.677 - 1.718.177 2.729.171 9.000 - - - 2.738.171 7. Kredit * | Credit*

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) MSME debtors i. Rupiah | Rupiah 4.526.123 186.818 36.167 29.050 263.513 5.041.671 5.292.040 197.429 29.607 40.762 323.522 5.883.360 ii. Valuta asing | Foreign currencies 149.534 - - 13.818 10.753 174.105 195.182 - - - 23.085 218.267 b. Bukan debitur UMKM | Non MSME debtors i. Rupiah | Rupiah 80.056.974 4.333.107 249.868 310.856 1.165.860 86.116.665 73.665.588 5.731.521 233.566 307.605 1.832.506 81.770.786 ii. Valuta asing | Foreign currencies 12.945.565 1.981.232 - 413.389 447.770 15.787.956 11.712.716 4.559.975 978.310 370.751 495.017 18.116.769 c. Kredit yang direstrukturisasi | Restructured loans i. Rupiah | Rupiah 1.389.834 481.384 32.522 4.112 310.018 2.217.870 1.701.742 2.042.705 68.815 150.898 687.258 4.651.418 ii. Valuta asing | Foreign currencies 403.764 1.910.516 - 13.818 448.077 2.776.175 886.257 4.478.219 963.010 370.751 193.973 6.892.210 d. Kredit properti 21.721.489 1.170.382 70.279 91.779 324.727 23.378.656 19.651.816 1.395.136 46.414 48.068 256.181 21.397.615

8. Penyertaan | Investment - - - - - - 799 - - - - 799 9. Penyertaan modal sementara | Temporary capital investments - -

10. Tagihan lainnya | Other receivables 1.408.872 34.588 - 81.877 - 1.525.337 1.873.535 5.554 - - - 1.879.089 11. Komitmen dan kontinjensi ** | Commitments and contingencies **

a. Rupiah | Rupiah 43.314.916 234.142 - - 350 43.549.408 32.839.648 298.326 - - - 33.137.974 b. Valuta asing | Foreign currencies 6.526.946 39.069 - - - 6.566.015 7.327.081 450.269 - - - 7.777.350

12. Aset yang diambil alih | Foreclosed assets 134.031 - 227.411 - 361.442 20.757 - 983 227.411 - 249.151

181Main Highlights






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No. Pos-PosPosts

Bank2019 2018


TotalI. Pihak Tidak Terkait | Non Affiliated Parties1. Penempatan pada bank lain | Placements with other banks

a. Rupiah | Rupiah 6.855.191 - - - - 6.855.191 3.965.207 - - - - 3.965.207 b. Valuta asing | Foreign currencies 2.293.441 - - - - 2.293.441 2.129.280 - - - - 2.129.280

2. Tagihan spot dan derivatif | Spot and derivative receivablesa. Rupiah | Rupiah 213.876 - - - - 213.876 212.102 - - - - 212.102 b. Valuta asing | Foreign currencies 6.855 - - - - 6.855 3.296 - - - - 3.296

3. Surat berharga | Securitiesa. Rupiah | Rupiah 9.664.617 - - - - 9.664.617 14.716.550 - - - - 14.716.550 b. Valuta asing | Foreign currencies 664.507 - - - - 664.507 688.640 - - - - 688.640

4. Surat berharga yang dijual dengan janji dibeli kembali (repo)Securities sold under repurchase agreements (repo)a. Rupiah | Rupiah 4.929.681 - - - - 4.929.681 - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Securities purchase under resale agreements receivable (reverse repo)a. Rupiah | Rupiah 1.534.574 - - - - 1.534.574 - - - - - -b. Valuta asing | Foreign currencies - - - - - - - - - - - -

6. Tagihan akseptasi | Acceptance receivables 1.626.348 49.152 - 42.677 - 1.718.177 2.729.171 9.000 - - - 2.738.171 7. Kredit * | Credit*

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) MSME debtors i. Rupiah | Rupiah 4.526.123 186.818 36.167 29.050 263.513 5.041.671 5.292.040 197.429 29.607 40.762 323.522 5.883.360 ii. Valuta asing | Foreign currencies 149.534 - - 13.818 10.753 174.105 195.182 - - - 23.085 218.267 b. Bukan debitur UMKM | Non MSME debtors i. Rupiah | Rupiah 80.056.974 4.333.107 249.868 310.856 1.165.860 86.116.665 73.665.588 5.731.521 233.566 307.605 1.832.506 81.770.786 ii. Valuta asing | Foreign currencies 12.945.565 1.981.232 - 413.389 447.770 15.787.956 11.712.716 4.559.975 978.310 370.751 495.017 18.116.769 c. Kredit yang direstrukturisasi | Restructured loans i. Rupiah | Rupiah 1.389.834 481.384 32.522 4.112 310.018 2.217.870 1.701.742 2.042.705 68.815 150.898 687.258 4.651.418 ii. Valuta asing | Foreign currencies 403.764 1.910.516 - 13.818 448.077 2.776.175 886.257 4.478.219 963.010 370.751 193.973 6.892.210 d. Kredit properti 21.721.489 1.170.382 70.279 91.779 324.727 23.378.656 19.651.816 1.395.136 46.414 48.068 256.181 21.397.615

8. Penyertaan | Investment - - - - - - 799 - - - - 799 9. Penyertaan modal sementara | Temporary capital investments - -

10. Tagihan lainnya | Other receivables 1.408.872 34.588 - 81.877 - 1.525.337 1.873.535 5.554 - - - 1.879.089 11. Komitmen dan kontinjensi ** | Commitments and contingencies **

a. Rupiah | Rupiah 43.314.916 234.142 - - 350 43.549.408 32.839.648 298.326 - - - 33.137.974 b. Valuta asing | Foreign currencies 6.526.946 39.069 - - - 6.566.015 7.327.081 450.269 - - - 7.777.350

12. Aset yang diambil alih | Foreclosed assets 134.031 - 227.411 - 361.442 20.757 - 983 227.411 - 249.151


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No. Pos-PosPosts

Bank

2019 2018


Total

III. Informasi Lain | Other Informations

1. Total aset bank yang dijaminkan: | Total assets guaranteed:

a. Pada Bank Indonesia | In Bank Indonesia - -

b. Pada pihak lain | In other parties - -

2. Total CKPN aset keuangan atas aset produktifAllowance for impairment losses of financial assets to total productive assets

4.030.245 8.234.322

3. Total PPA yang wajib dibentuk atas aset produktifAllowance for impairment losses required to productive assets

2.759.874 3.506.240

4. Presentase kredit UMKM terhadap total kreditTotal allowances to total productive assets

4,84% 5,75%

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kreditPercentage of micro loans to total loans

0,51% 0,48%

6. Persentase jumlah debitur UMKM terhadap total debiturNumber of MSME debtors to total debtors

1,57% 1,05%

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debiturPercentage of micro debtors to total debtors

1,40% 0,87%

8. Lainnya | Others

a. Penerusan kredit | Loans channeling - -

b. Penyaluran dana Mudharabah Muqayyadah Financing Mudharabah Muqayyadah

- -

c. Aset produktif yang dihapus buku Productive assets which written-off

9.890.648 7.910.848

d. Aset produktif dihapus buku yang dipulihkan/berhasil ditagih Recovery of productive assets previously written-off

3.771.284 3.357.247

e. Aset produktif yang dihapus tagih Productive assets which permanent written-off

10.191.903 9.299.046

* Dalam jumlah kredit kepada debitur UMKM dan bukan debitur UMKM, termasuk kredit yang direstrukturisasi dan kredit properti. In the amount of credit to MSME debtors and not the MSME debtor, including restructured loans and property loans. ** Mengacu pada Peraturan Bank Indonesia (PBI) No. 14/15/PBI/2012 tanggal 24 Oktober 2012 tentang “Penilaian Kualitas Aset Bank Umum”, maka kelonggaran tarik kredit uncommitted diperhitungkan sebagai aset produktif. Referring to the Bank Indonesia Regulation (PBI) No. 14/15/PBI/2012 dated 24 October 2012 on “Asset Quality Rating for Commercial Banks”, then unused loan credit - uncommitted counted as productive assets.

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No. Pos-PosPosts

Bank

2019 2018


Total

III. Informasi Lain | Other Informations

1. Total aset bank yang dijaminkan: | Total assets guaranteed:

a. Pada Bank Indonesia | In Bank Indonesia - -

b. Pada pihak lain | In other parties - -

2. Total CKPN aset keuangan atas aset produktifAllowance for impairment losses of financial assets to total productive assets

4.030.245 8.234.322

3. Total PPA yang wajib dibentuk atas aset produktifAllowance for impairment losses required to productive assets

2.759.874 3.506.240

4. Presentase kredit UMKM terhadap total kreditTotal allowances to total productive assets

4,84% 5,75%

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kreditPercentage of micro loans to total loans

0,51% 0,48%

6. Persentase jumlah debitur UMKM terhadap total debiturNumber of MSME debtors to total debtors

1,57% 1,05%

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debiturPercentage of micro debtors to total debtors

1,40% 0,87%

8. Lainnya | Others

a. Penerusan kredit | Loans channeling - -

b. Penyaluran dana Mudharabah Muqayyadah Financing Mudharabah Muqayyadah

- -

c. Aset produktif yang dihapus buku Productive assets which written-off

9.890.648 7.910.848

d. Aset produktif dihapus buku yang dipulihkan/berhasil ditagih Recovery of productive assets previously written-off

3.771.284 3.357.247

e. Aset produktif yang dihapus tagih Productive assets which permanent written-off

10.191.903 9.299.046

* Dalam jumlah kredit kepada debitur UMKM dan bukan debitur UMKM, termasuk kredit yang direstrukturisasi dan kredit properti. In the amount of credit to MSME debtors and not the MSME debtor, including restructured loans and property loans. ** Mengacu pada Peraturan Bank Indonesia (PBI) No. 14/15/PBI/2012 tanggal 24 Oktober 2012 tentang “Penilaian Kualitas Aset Bank Umum”, maka kelonggaran tarik kredit uncommitted diperhitungkan sebagai aset produktif. Referring to the Bank Indonesia Regulation (PBI) No. 14/15/PBI/2012 dated 24 October 2012 on “Asset Quality Rating for Commercial Banks”, then unused loan credit - uncommitted counted as productive assets.


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184


Cadangan Kerugian Penurunan Nilai | Allowance for Impairment LossesTanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018


No. Pos-PosPosts

2019 2018

CKPNAllowance for Impairment

Losses

PPA wajib dibentukTotal Allowances Required

CKPNAllowance for Impairment

Losses

PPA wajib dibentukTotal Allowances Required

Individual KolektifCollective

UmumGeneral

KhususSpecial Individual Kolektif

CollectiveUmumGeneral

KhususSpecial

1. Penempatan pada bank lainPlacements with other banks

- 10.549 95.736 - - 5.508 66.376 -

2. Tagihan spot dan derivatifSpot and derivative receivables

- - 2.207 - - - 2.161 -

3. Surat berharga | Securities - 3.581 15.877 - - 1.133 7.040 -

4. Surat berharga yang dijual dengan janji dibeli kembali (repo)Securities sold under repurchase agreement (repo)

- - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Receivable on securities purchased under resale agreement

- - - - - - - -

6. Tagihan akseptasi | Acceptance receivables 20.626 4.086 16.233 22.883 949 6.967 26.922 412

7. Kredit | Loans 3.148.906 757.501 899.043 1.579.655 7.432.041 732.903 838.234 2.452.609

8. Penyertaan | Investments 62 171 1.735 - - 281 1.735 -

9. Penyertaan modal sementaraTemporary capital investments

- - - - - - - -

10. Tagihan lainnya | Other receivable 36.950 8.864 14.072 42.539 - 13.126 18.693 261

11. Komitmen dan kontinjensiCommitments and contingencies

- 38.949 56.197 13.697 - 41.414 54.933 36.864

Laporan Perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) *)

Calculation of Capital Adequacy Ratio (CAR) ReportTanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018

(Dalam Jutaan Rupiah, kecuali rasio dalam persentasi) (In Million Rupiah, except ratio in percentage)

KeteranganRemark

2019 2018

Bank KonsolidasiConsolidated Bank Konsolidasi

Consolidated

I. Modal Inti (Tier 1)

1 Modal Inti Utama Common Equity Tier 1 (CET1) | Core capital Common Equity Tier 1 (CET1) 21.792.397 22.155.359 19.640.663 20.009.392

1.1 Modal Disetor (Setelah dikurangi Treasury Stock) | Paid-up capital 3.837.985 3.837.985 3.837.985 3.837.985

1.2 Cadangan Tambahan Modal *) | Additional reserve 19.978.886 20.288.060 18.317.474 18.630.333

1.2.1 Faktor Penambah | Additions 21.045.019 21.041.334 20.367.206 20.370.836

1.2.1.1 Pendapatan komperhensif lainnya | Other Comprehensive Income 1.924.389 1.924.389 1.853.060 1.853.060

1.2.1.1.1 Selisih lebih penjabaran laporan keuangan The excess of financial statement translation

- - - -

1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan dalam kelompok tersedia untuk dijual

Potential gain from fair value changes of available-for-sale financial assets

71.329 71.329 - -

1.2.1.1.3 Saldo surplus revaluasi aset tetap Surplus of premises and equipments revaluation

1.853.060 1.853.060 1.853.060 1.853.060

1.2.1.2 Cadangan tambahan modal lainnya | Other disclosed reserves 19.120.630 19.116.945 18.514.146 18.517.776

1.2.1.2.1 Agio 17.252.901 17.252.901 17.252.901 17.252.901

1.2.1.2.2 Cadangan umum | General reserves 363.624 363.624 363.624 363.624

1.2.1.2.3 Laba tahun- tahun lalu | Prior years net income - - - -

1.2.1.2.4 Laba tahun berjalan | Current year net income 1.504.105 1.500.420 897.621 901.251

1.2.1.2.5 Dana setoran modal | Advance capital - - - -

1.2.1.2.6 Lainnya | Others - - - -

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KeteranganRemark

2019 2018


Consolidated

1.2.2 Faktor Pengurang | Deductions 1.066.133 753.274 2.049.732 1.740.503

1.2.2.1 Pendapatan komperhensif lainnya | Other comprehensive income - 87.216 87.216

1.2.2.1.1 Selisih kurang penjabaran laporan keuangan The shortage of financial statement translation

- - -

1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan dalam kelompok tersedia untuk dijual

Potential loss from fair value changes of available-for-sale financial assets

- 87.216 87.216

1.2.2.2 Cadangan tambahan modal lainnya | Other additional reserves 1.066.133 753.274 1.962.516 1.653.287

1.2.2.2.1 Disagio - - - -

1.2.2.2.2 Rugi tahun-tahun lalu | Prior years net loss 664.802 633.330 1.562.423 1.534.581

1.2.2.2.3 Rugi tahun-tahun berjalan | Current year loss - - - -

1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai (CKPN) atas aset produktif

Shortfall between allowance for impairment losses based on BI regulation and PSAK on productive assets

- - - -

1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam Trading Book

Shortfall from fair value adjustment from financial instrument

- - - -

1.2.2.2.6 PPA aset non produktif yang wajib dibentuk Allowance for impairment losses of non-financial assets required

119.944 119.944 118.706 118.706

1.2.2.2.7 Lainnya **) | Others **) 281.387 - 281.387 -

1.3 Kepentingan Non Pengendali yang dapat diperhitungkan Accounted Non-Controlling Interest

- 10 - 10

1.4 Faktor Pengurang Modal Inti Utama | Core Capital Deduction Factors 2.024.474 1.970.696 2.514.796 2.458.936

1.4.1 Perhitungan pajak tangguhan | Calculation of deferred tax 1.637.827 1.643.021 2.178.921 2.181.667

1.4.2 Goodwill - 113.015 - 113.015

1.4.3 Seluruh aset tidak berwujud lainnya | Other intangible assets 213.969 214.660 163.197 164.254

1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang Equity participation calculated as deduction

172.678 172.678 -

1.4.5 Kekurangan modal pada perusahaan anak asuransi Equity deficit on insurance subsidiary

- - -

1.4.6 Eksposur sekuritisasi | Securitization exposures - - -

1.4.7 Faktor pengurang modal inti utama lainnya | Other core capital deduction factor - - -

1.4.7.1 Penempatan dana pada Instrumen AT1 dan/atau Tier 2 pada Bank lain Placement on AT1 and/or Tier 2 instrument in other banks

- - -

1.4.7.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat

Cross-ownership in another entity acquired by the transition because the law, grants, or grants will

- - -

2 Modal Inti Tambahan | Additional Tier 1 (AT1) Capital - - - -

2.1 Instrumen yang memenuhi persyaratan AT 1 | AT-1 qualified instrument - - - -

2.2 Agio/Disagio - - - -

2.3 Faktor Pengurang Modal Inti Tambahan | Additional Tier 1 Capital Deduction Factor - - - -

2.3.1 Penempatan dana pada instrumen AT1 dan/atau Tier 2 pada bank lain Placement on AT1 and/or Tier 2 instrument in other banks

- - - -

2.3.2 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat


- - - -

II. Modal Pelengkap (Tier 2) 1.344.439 1.344.024 2.096.825 2.097.691

1. Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2Equity instrument in form of shares or other form which qualified for Tier 2 requirements

243.339 243.339 1.080.732 1.080.732

2. Agio/Disagio - - - -

3. Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit)General allowance on productive assets required (maximum 1.25% from RWA of Credit Risk)

1.101.100 1.100.685 1.016.093 1.016.959


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KeteranganRemark

2019 2018


Consolidated

4. Faktor Pengurang Modal Pelengkap | Tier 2 capital deduction factors - - - -

4.1 Sinking Fund - - - -

4.2 Penempatan dana pada instrumen Tier 2 pada bank lain Placement on Tier 2 instruments in other bank

- - - -

4.3 Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat


Total Modal | Total Capital 23.136.836 23.499.383 21.737.488 22.107.083

AsetTertimbang

MenurutRisiko

Risk WeightedAssets

2019 2018 KeteranganInformation 2019 2018


ConsolidatedRasio KPMM

CAR Ratio Bank KonsolidasiConsolidated Bank Konsolidasi

Consolidated

ATMR Risiko KreditRWA of Credit Risk

98.573.364 98.861.917 95.816.732 96.151.472 Rasio CET 1CET 1 ratio

18,73% 18,98% 17,56% 17,83%

ATMR Risiko PasarRWA of Market Risk

3.615.529 3.615.729 1.094.489 1.094.288 Rasio Tier 1Tier 1 Ratio

18,73% 18,98% 17,56% 17,83%

ATMR Risiko OperasionalRWA of Operational Risk

14.162.513 14.244.627 14.923.291 14.984.087 Rasio Tier 2Tier 2 Ratio

1,16% 1,15% 1,88% 1,87%

Total ATMR/RWA 116.351.406 116.722.273 111.834.512 112.229.847 Rasio TotalTotal Ratio

19,89% 20,13% 19,44% 19,70%

Rasio KPMM Sesuai Profil RisikoCAR Based on the Risk Profile

9% 9% 9% 9% CET 1 Untuk BufferCET 1 for Buffer

10,89% 11,13% 10,44% 10,70%

Alokasi Pemenuhan KPMMAllocation of CAR requirement

Persentase Buffer yang Wajib Dipenuhi oleh Bank Percentage of required buffer of the Bank

3,50% 3,50% 2,63% 2,63%

Dari CET1From CET1

7,84% 7,85% 7,12% 7,13% CapitalConservationBuffer

2,50% 2,50% 1,88% 1,88%

Dari AT1From AT1

0,00% 0,00% 0,00% 0,00% CountercyclicalBuffer

0,00% 0,00% 0,00% 0,00%

Dari Tier 2From Tier 2

1,16% 1,15% 1,88% 1,87% Capital Surcharge untuk D-SIBCapital Surcharge for D-SIB

1,00% 1,00% 0,75% 0,75%

*) Efektif sejak tanggal 22 September 2016, komponen modal untuk KPMM dihitung berdasarkan Salinan POJK No. 34/POJK.03/2016 tanggal 22 September 2016 Tentang Perubahan atas POJK No. 11/POJK.03/2016 Tentang Kewajiban Penyediaan Modal Minimum Bank Umum.

Effective since 22 September 2016 for the CAR capital component is calculated based on POJK No. 34/POJK.03/2016 dated 22 September 2016 regarding the amendment of POJK No. 11/POJK.03/2016 About the Minimum Capital Requirement for Commercial Banks.

**) Merupakan selisih antara harga perolehan penyertaan dengan pengembalian modal pada PT Sahabat Finansial Keluarga (Entitas Anak) akibat penurunan modal disetor Entitas Anak. Representing the difference between the cost of the equity participation and the refund to PT Sahabat Finansial Keluarga (Subsidiary) due to the decrease of paid-in capital with the Subsidiary.

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Laporan Lain Terkait Unit Usaha Syariah

Laporan Perubahan Dana Investasi Terikat *)

Statements of Changes on Binded Investment Fund*) (Mudharabah Muqayyadah)Tanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018


Pos-Pos 2019 2018 Posts

Informasi Awal Periode - - Information of Starting Period

Portofolio Pembiayaan (Project) - - Funding Portfolio (Project)

Saldo Awal - - Beginning Balance

Informasi Periode Berjalan - - Current Period Information


Penerimaan Dana Penarikan - - Fund Received Fund Withdrawal-/-

Dana -/- Keuntungan (Rugi) - - Profit (Loss) Investment

Investasi Beban/Biaya -/- - - Costs/Expense-/-

Fee/Penerimaan Bank -/- - - Fee/Bank Income

Informasi Akhir Periode - - Last Period Information


Saldo Akhir - - Ending Balance

*) Untuk bank yang bertindak sebagai agen dalam menyalurkan dana (channeling agent) | *) For bank serves as channeling agent

Laporan Sumber dan Penggunaan Dana KebajikanStatements of Source and Use of Fund of BenefactionTanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018


No. Uraian 2019 2018 Description

1. Sumber Dana Kebajikan pada Awal Periode 6.452 8.009 Benefaction Fund Source on Beginning Period

2. Penerimaan Dana Kebajikan Benefaction Fund Received

a. Infak 9 22 a. Infaq

b. Sedekah 0 0 b. Shadaqah

c. Pengembalian Dana Kebajikan Produktif 0 0 c. Refund of Productive Benefaction Fund

d. Denda 4.663 4.338 d. Fine

e. Penerimaan Non Halal 0 0 e. Non-Halal Income

f. Lainnya 727 257 f. Others

Total Penerimaan 5.399 4.617 Total Fund Received

3. Penggunaan Dana Kebajikan Benefaction Use of Fund

a. Dana Kebajikan Produktif 0 0 a. Productive Benefaction Fund

b. Sumbangan 4.584 6.174 b. Donation

c. Penggunaan Lainnya untuk Kepentingan Umum 0 0 c. Other Use for Public Purpose

Total Penggunaan 4.584 6.174 Total Use of Fund

4. Kenaikan (Penurunan) Sumber Dana Kebajikan 815 -1.557 Increase (Decrease) of Benefaction Fund Source

5. Sumber Dana Kebajikan pada Akhir Periode 7.267 6.452 Benefaction Fund Source on Ending Period

Other Reports Related to Shariah Business Units


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Laporan Sumber dan Penyaluran Dana ZakatStatements of Source and Use of Fund of ZakatTanggal 31 Desember 2019 dan 2018 | 31 December 2019 and 2018


No. Uraian 2019 2018 Description

1. Saldo awal dana zakat 14.176 8.961 Beginning balance of zakat

2. Dana zakat yang berasal dari: Source of zakat:

a. Internal UUS 9.373 9.467 a. Internal UUS

b. Eksternal UUS 160 209 b. External UUS

3. Penyaluran dana zakat kepada entitas pengelola zakat Disbursment of zakat to zakat entity

a. Lembaga Amil Zakat 0 0 a. Lembaga Amil Zakat

b. Badan Amil Zakat 4.874 4.461 b. Badan Amil Zakat

4. Kenaikan (penurunan) dana zakat 4.659 5.215 Increase (decrease) zakat

5. Saldo akhir dana zakat 18.835 14.176 Ending balance of zakat

Laporan Distribusi Bagi HasilStatements of Profit Sharing DistributionTanggal 31 Desember 2019 | 31 December 2019


No. Indikator

Saldo Rata-Rata

Average Balance

Pendapatan yang akan dibagi

hasilkanProfit Sharing

Income

Porsi Pemilik Dana | Fund Owner Portion

IndicatorNisbah (%)Nisbah (%)

Jumlah Bonus dan Bagi HasilTotal Bonus and

Profit Sharing

Indikasi Rate of Return (%)

Rate of Return Indication (%)

A B C D E=(D/A x 100%)x 12

A. Pembiayaan | Financing1. Bank - - Bank2. Non Bank 14.942.297 112.121 Non BankB. Penghimpunan Dana | Funding1. Giro wadiah Current acounts wadiah

a. Bank 2 - - - a. Bankb. Non Bank 83.352 - - - b. Non Bank

2. Giro mudharabah Current acounts mudharabaha. Bank 111.143 808 12,20 99 1,06 a. Bankb. Non Bank 2.179.821 15.851 6,13 971 0,53 b. Non Bank

3. Tabungan wadiah Savings wadiaha. Bank - - - - a. Bankb. Non Bank 467.874 - - - b. Non Bank

4. Tabungan mudharabah Savings mudharabaha. Bank 195.826 1.424 33,85 482 2,95 a. Bankb. Non Bank 7.460.703 54.252 21,38 11.599 1,87 b. Non Bank

5. Deposito mudharabah Time deposits mudharabaha. Bank a. Bank

- 1 Bulan 37.006 269 52,00 140 4,54 - 1 month- 3 Bulan 82.500 600 52,00 312 4,54 - 3 month- 6 Bulan 18.500 135 52,00 70 4,54 - 6 month- 12 Bulan 3.500 25 52,00 13 4,54 - 12 month

a. Non Bank a. Non Bank- 1 Bulan 3.851.839 28.010 49,82 13.954 4,35 - 1 month- 3 Bulan 2.737.843 19.909 52,21 10.394 4,56 - 3 month- 6 Bulan 613.790 4.463 52,10 2.325 4,56 - 6 month- 12 Bulan 83.189 605 50,23 304 4,38 - 12 month

Jumlah 17.926.888 126.351 40.663 Total

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PEMBELIAN KEMBALI SAHAM ATAU OBLIGASI SUBORDINASIPembelian kembali saham atau obligasi subordinasi adalah upaya mengurangi jumlah saham atau obligasi subordinasi yang diterbitkan dengan cara membeli kembali saham atau obligasi subordinasi tersebut, yang tata cara pembayarannya dilaksanakan sesuai ketentuan yang berlaku.

Sepanjang tahun 2019, PermataBank tidak melakukan pembelian kembali saham atau obligasi subordinasi.

PENYEDIAAN DANA KEPADA PIHAK TERKAIT DAN PENYEDIAAN DANA DALAM JUMLAH BESARPenyediaan dana kepada pihak terkait (related party) dan penyediaan dana besar (large exposures) untuk tahun 2019 adalah sebagai berikut:

No Penyediaan DanaFunding

Jumlah AmountTotal

DebiturDebitor

Nominal (Jutaan Rp)Amount (million Rp)

1 Kepada Pihak Terkait | To related Party 437 1.764.637

2 Kepada Debitur Inti | To Core Debitor

Individu | Individual 25 17.400.431

Grup | Group 25 19.420.669

AUDIT EKSTERNALLaporan keuangan konsolidasian PermataBank untuk tahun yang berakhir pada tanggal 31 Desember 2019 telah diaudit oleh Kantor Akuntan Publik (KAP) Tanudiredja, Wibisana, Rintis & Rekan (anggota jaringan firma PricewaterhouseCoopers) yang telah terdaftar di Otoritas Jasa Keuangan. Penunjukan KAP telah memperhatikan ketentuan-ketentuan yang berlaku.

Laporan keuangan konsolidasian tahun 2019 merupakan laporan keuangan ketiga yang diaudit oleh KAP Tanudiredja, Wibisana, Rintis & Rekan. Total biaya yang dibayarkan untuk jasa audit sebesar Rp7.100.000.000 (di luar PPN dan OPE).

BUYBACK OF SHARES OR SUBORDINATED BONDSShare or subordinated bonds buyback are efforts to reduce the amount of shares or subordinated bonds issued, by recovering the shares or bonds. Payment procedure follows prevailing regulations.

During 2019 there were no buying back shares or subordinated bonds by PermataBank.

PROVISION OF FUNDS TO RELATED PARTIES AND LARGE EXPOSURES

The provision of funds to related parties and large exposures taking place in 2019 are as follows:

EXTERNAL AUDITConsolidated financial statements of PermataBank for the year ended 31 December 2019 were audited by Public Accounting Firm (KAP) Tanudiredja, Wibisana, Rintis & Rekan (a member of the PricewaterhouseCoopers network of firms), a registered firm in Otoritas Jasa Keuangan. The appointment of KAP Tanudiredja, Wibisana, Rintis & Rekan has taken into consideration the prevailing regulations.

The 2019 consolidated financial statements were the third financial statements audited by KAP Tanudiredja, Wibisana, Rintis & Rekan with audit fee of Rp7,100,000,000 (excluded VAT and OPE).


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Berikut adalah KAP yang melakukan audit PermataBank selama 5 (lima) tahun terakhir:

Tahun PemeriksaanYear

Nama Kantor Akuntan PublikPublic Accounting Firm

Nama Akuntan Publik (Penanggung Jawab)

Public Accountant

Jasa yang DiberikanService Provided

2019 Tanudiredja, Wibisana, Rintis & Rekan Drs. Irhoan Tanudiredja, CPA Audit laporan keuangan konsolidasianAudit on consolidated financial statements

2018 Tanudiredja, Wibisana, Rintis & Rekan Drs. M. Jusuf Wibisana, M.EC., CPA Audit laporan keuangan konsolidasianAudit on consolidated financial statements

2017 Tanudiredja, Wibisana, Rintis & Rekan Drs. M. Jusuf Wibisana, M.EC., CPA Audit laporan keuangan konsolidasianAudit on consolidated financial statements

2016 Siddharta Widjaja & Rekan Kusumaningsih Angkawijaya, CPA Audit laporan keuangan konsolidasianAudit on consolidated financial statements

2015 Siddharta Widjaja & Rekan Kusumaningsih Angkawijaya, CPA Audit laporan keuangan konsolidasianAudit on consolidated financial statements

Jasa LainSelain melakukan pekerjaan audit atas laporan keuangan konsolidasian, KAP Tanudiredja, Wibisana, Rintis & Rekan juga memberikan jasa lainnya. Untuk tahun buku 2019, jasa lainnya beserta biaya yang diberikan adalah sebagai berikut:

No. Jenis JasaType of Services

Biaya (Rp)Fee (Rp)

1. Prosedur yang disepakati bersama sehubungan dengan kepatuhan atas ketentuan Bapepam-LK dan Peraturan OJK – Divisi KustodianAgreed upon procedures regarding compliance with Bapepam LK and OJK regulation / prevailing regulations - Custodian Operations

61.400.000

2. Jasa review cyber security roadmap | Cyber security roadmap review 3.350.000.000

3. Pelatihan terkait perlakuan akuntansi untuk Ijarah Muntanahiyah Bi Al Tamlik (IMBT) untuk nasabah PermataBankTraining regarding Ijarah Muntanahiyah Bi Al Tamlik (IMBT) for PermataBank’s customer.

50.000.000

SATUAN KERJA AUDIT INTERNAL (SKAI)Satuan Kerja Audit Internal (SKAI) sebagai third line of defense memiliki tugas dan tanggung jawab menjalankan fungsi audit intern di PermataBank. Sejalan dengan visi, misi dan value PermataBank, SKAI berperan memberikan assurance dan consultation yang independen serta obyektif yang dapat memberi nilai tambah dalam rangka membantu PermataBank mencapai tujuannya.

SKAI PermataBank dalam peran sebagai fungsi assurance memberikan analisa yang mendalam terkait akar masalah temuan audit, membantu Manajemen dalam mengambil tindakan perbaikan dengan memberikan rekomendasi yang berfokus pada perbaikan proses yang stabil dan berkesinambungan serta memiliki Rencana Audit Tahunan yang dinamis untuk mendukung

Below is the list of KAP that audited PermataBank for the last 5 (five) years:

Other ServicesIn addition to carrying out audit works on the consolidated financial statements, KAP Tanudiredja, Wibisana, Rintis & Rekan also provide other services. For fiscal year 2019, details of other services and fees provided are as follows:

INTERNAL AUDIT

Internal Audit as the third line of defense has roles and responsibilities to implements the internal audit function at PermataBank. In accordance with the vision, mission as well as Values of PermataBank, Internal Audit has the role of providing an independent and objective assurance and consulting designed to add value in order to support PermataBank in achieving its objectives.

Internal Audit of PermataBank in its role as an assurance function provides in-depth analysis to the root causes of audit findings, assists the Management in taking corrective actions by providing recommendations that focus on improving stable and sustainable processes and has a dynamic Annual Audit Plan to support Management concerns and the latest risk conditions. While

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Internal Audit of PermataBank in its role as a consultation function is more proactive in providing suggestions for improvement and re-positioning of the Internal Audit’s role as a consultant to build two-way trust between Internal Audit and stakeholders.

In carrying out the audit, the Internal Audit conducts an evaluation and assessment of the effectiveness, efficiency and adequacy of the internal control system, risk management and corporate governance on an ongoing basis. Internal Audit also assesses the quality of PermataBank performance and evaluates compliance with laws and regulations, including compliance with shariah principles.

Internal Audit CharterThe Internal Audit Charter was established to implement the Regulation of the Financial Services Authority (POJK) No. 1/POJK.03/2019 regarding the Implementation of Internal Audit Function in Commercial Banks and No. 56/POJK.04/2015 regarding the Establishment and Guidelines for the Internal Audit Unit. The Internal Audit Charter was established based on POJK and the International Professional Practice Framework (IPPF) from the Institute for Internal Auditors (IIA).

The Internal Audit Charter is reviewed and updated periodically, the most recent update was on 28 May 2019 based on the Board of Commissioners Circular Resolution of PT Bank Permata Tbk No. 015/BOC-CIRC/V/2019 dated 16 May 2019 and Decree of the Board of Directors of PT Bank Permata Tbk No. 03/BP/2019 dated 28 May 2019.

The Internal Audit Charter is a guideline for the implementation of the Internal Audit works to ensure the scope of the Internal Audit activities covers all aspects and activities at the Bank including its subsidiaries. The scope of Internal Audit works is to evaluate the corporate governance, risk management and control processes to ensure:1. Risks are properly identified and managed in line with Bank’s

Risk Appetite.2. Significant information of financial, managerial and operational

are accurately, reliably and timely presented.

concern Manajemen dan kondisi risiko terkini. Sementara SKAI PermataBank dalam peran sebagai fungsi consultation lebih proaktif memberikan saran perbaikan serta re-positioning peran SKAI sebagai konsultan untuk membangun kepercayaan dua arah antara SKAI dan para pemangku kepentingan.

Dalam menjalankan pemeriksaan, SKAI melakukan evaluasi dan penilaian terhadap efektivitas, efisiensi dan kecukupan sistem pengendalian intern, manajemen risiko dan tata kelola secara berkesinambungan. SKAI juga melakukan penilaian kualitas kinerja PermataBank serta evaluasi terhadap kepatuhan peraturan perundang-undangan termasuk kepatuhan terhadap prinsip syariah.

Piagam Internal AuditPiagam Internal Audit merupakan bentuk pelaksanaan Peraturan Otoritas Jasa Keuangan (POJK) No. 1/POJK.03/2019 tentang Penerapan Fungsi Audit Intern pada Bank Umum dan POJK No. 56/POJK.04/2015 tentang Pembentukan dan Pedoman Penyusunan Piagam Unit Internal Audit. Penyusunan Piagam Internal Audit mengacu kepada POJK dan The International Professional Practice Framework (IPPF) dari the Institute of Internal Auditors (IIA).

Piagam Internal Audit PermataBank ditinjau dan diperbarui secara berkala, pembaruan terakhir dilaksanakan pada Mei 2019 berdasarkan Keputusan Sirkulasi Dewan Komisaris PT Bank Permata Tbk No.015/BOC-CIRC/V/2019 tanggal 16 Mei 2019 dan Surat Keputusan Direksi PT Bank Permata Tbk No. 03/BP/2019 tanggal 28 Mei 2019.

Piagam Internal Audit menjadi pedoman pelaksanaan penugasan SKAI untuk memastikan ruang lingkup kegiatan Audit Internal mencakup seluruh aspek dan kegiatan di Bank termasuk anak perusahaannya. Ruang lingkup kegiatan Audit Internal adalah mengevaluasi proses tata kelola, manajemen risiko dan pengendalian Bank untuk memastikan:1. Risiko telah teridentifikasi dan dikelola secara memadai

sejalan dengan Risk Appetite Bank.2. Informasi yang signifikan terkait aspek keuangan, manajerial

dan operasional telah disajikan secara akurat, andal dan tepat waktu.


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3. Banking operation is in compliance with the prevailing policies, standards, procedures, and regulations and/or laws including Shariah principles.

4. Programs, plans and objectives are effectively and efficiently achieved.

5. Quality and continuous improvements are maintained with attention given to the internal control process.

6. Significant regulatory issues impacting the Bank are acknowledged and addressed appropriately.

Position of the Internal Audit in the Bank’s Organizational StructureAt PermataBank, Internal Audit is directly responsible to the President Director and in carrying out its duties be able to communicate directly to the Board of Directors, the Board of Commissioners, the Audit Committee and the Shariah Supervisory Board.

The Head of Internal Audit is appointed and dismissed by the President Director after receiving approval from the Board of Commissioners with taking into consideration the recommendations of Audit Committee. The President Director may dismiss the Head of Internal Audit after receiving the approval from the Board of Commissioners if the Head of Internal Audit does not meet the requirements set forth in the Charter and/or is incompetence in carrying out the duties.

The appointment of Mrs. Anke Subandy as Head of Internal Audit based on Decree of the Board of Directors No. 171/BP/DIR/VIII/2017 dated 18 August 2017 reported to OJK through Letter No. 173/BP/DIR/VIII/17 dated 28 August 2017

Term Period Since 21 August 2017 until present.

3. Operasional perbankan telah sesuai dengan kebijakan, standar, prosedur serta peraturan dan/atau perundang-undangan yang berlaku termasuk prinsip Syariah.

4. Program, rencana dan tujuan dapat tercapai secara efektif dan efisien.

5. Kualitas dan perbaikan yang berkesinambungan selalu terpelihara dengan tetap memperhatikan proses pengendalian internal.

6. Permasalahan signifikan yang berdampak pada Bank diketahui dan ditangani dengan tepat.

Kedudukan SKAI dalam Struktur Organisasi BankDi PermataBank, SKAI bertanggung jawab langsung kepada Presiden Direktur dan dalam pelaksanaan tugasnya dapat melakukan komunikasi secara langsung dengan Direksi, Dewan Komisaris, Komite Audit, serta Dewan Pengawas Syariah.

Kepala SKAI diangkat dan diberhentikan oleh Presiden Direktur setelah mendapat persetujuan dari Dewan Komisaris dengan mempertimbangkan rekomendasi Komite Audit. Presiden Direktur dapat memberhentikan Kepala SKAI setelah mendapat persetujuan Dewan Komisaris jika Kepala SKAI dinilai tidak memenuhi persyaratan sebagaimana diatur dalam Piagam Internal Audit dan/atau tidak cakap dalam menjalankan tugas.

Pengangkatan Ibu Anke Subandy sebagai Kepala SKAI berdasarkan Surat Keputusan Direksi No 171/BP/DIR/VIII/2017 tanggal 18 Agustus 2017 yang telah disampaikan kepada OJK melalui surat No.: 173/BP/DIR/VIII/17 tanggal 28 Agustus 2017.

Periode JabatanSejak tanggal 21 Agustus 2017 sampai dengan sekarang.

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Profil Kepala SKAI

Riwayat PendidikanLulus dari Fakultas Ekonomi Akuntansi, Universitas Tarumanagara di Jakarta pada tahun 1993 dan melanjutkan pendidikan di Edith Cowan University - Perth, Western Australia dan memperoleh gelar Master of Business Administration - Marketing pada tahun 1995.

Rangkap JabatanAnke Subandy menjabat sebagai anggota Komite Audit PT Sahabat Finansial Keluarga (SFK) (anak perusahaan PT Bank Permata), sesuai dengan Surat Keputusan Direksi PT Sahabat Finansial Keluarga No. 02/SFK-SK-DIR/III/2018 tanggal 8 Maret 2018.

Pengalaman Kerja Anke Subandy bergabung dengan PermataBank sebagai Kepala SKAI sejak Agustus 2017. Sebelumnya beliau menjabat sebagai Senior Vice President – Head of Operation Risk Management di Citibank Indonesia sejak September 2015.

Beliau memulai karirnya di Bank Credit Lyonnais Indonesia sebagai Management Trainee (1996-1997), Assistant Manager Corporate Banking (1997-1998) dan Internal Auditor (1998-2001). Beliau pernah berkarier di HSBC Jakarta sebagai Manager of Credit Audit (2001-2002) dan ABN AMRO Bank NV. Indonesia sebagai Manager of Internal Audit (2004-2005), kemudian kembali berkarier di HSBC Jakarta sebagai Manager of Management Internal Control (2005-2007), Assistant Vice President Management Internal Control (2007), Vice President Operational Risk and Controls (Head of Internal Control Dept.) (2007-2009), Senior Vice President Operational Risk and Controls (2009-2011), Senior Vice President Internal Audit (2012).

Beliau selanjutnya menjabat di PT Bank CIMB Niaga Indonesia sebagai Senior Vice President Internal Audit - Credit Audit Group Head (2012-2013) dan Senior Vice President Internal Audit - Deputy Chief Audit Executive (2014-2015).

Educational BackgroundGraduated from the Faculty of Accounting Economics, Tarumanagara University in Jakarta in 1993 and she continued her education at Edith Cowan University - Perth, Western Australia and obtained her Master of Business Administration - Marketing in 1995.

Multiple Board Membership Anke Subandy holds a member of Audit Committee on PT Sahabat Finansial Keluarga (PT Bank Permata’s subsidiary) based on the Decree of Board of Directors of PT Sahabat Finansial Keluarga No. 02/SFK-SK-DIR/III/2018 dated 8 March 2018.

Professional Experience Anke Subandy joined PermataBank as the Head of Internal Audit since August 2017. Previously, she worked as Senior Vice President - Head of Operation Risk Management at Citibank Indonesia since September 2015.

She started her career at Bank Credit Lyonnais Indonesia as Management Trainee (1996-1997), Assistant Manager Corporate Banking (1997-1998) and Internal Auditor (1998-2001). She also worked at HSBC Jakarta as Credit Audit Manager (2001-2002) and ABN AMRO Bank NV. Indonesia as Internal Audit Manager (2004-2005), then rejoined with HSBC Jakarta as Manager of Management Internal Control (2005-2007), Assistant Vice President Management Internal Control (2007), Vice President Operational Risk and Controls (Head of Internal Control Dept.) (2007-2009), Senior Vice President Operational Risk and Controls (2009-2011), Senior Vice President Internal Audit (2012).

She then joined at PT Bank CIMB Niaga Indonesia as Senior Vice President Internal Audit - Credit Audit Group Head (2012-2013) and Senior Vice President Internal Audit - Deputy Chief Audit Executive (2014-2015).

Anke SubandyKepala Satuan Kerja Audit InternalHead of Internal AuditWarga Negara Indonesia, berusia 46 tahun, dan berdomisili di Jakarta.Indonesian Citizen, 46 years old, and who resides in Jakarta.

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Selama tahun 2019 Kepala SKAI telah mengikuti beberapa pendidikan dan/atau Pelatihan sebagai berikut:

No PelatihanTraining

Pembicara/PenyelenggaraSpeaker/Organizer

PeriodePeriod

1 Audit & Risk Tools - ACL Functionality Demonstration Astra International 11 January 2019

2 Market Risk & Liquidity Joseph 1 February 2019

3 IFRS 9 Overview PWC 15 April 2019

4 Astra Financial Internal Audit Morning Talk Astra International 23 July 2019

5 IIA 2019 National Conference IIA - Indonesian Chapter 24 July 2019

6 Anti-Fraud Management Reksa Kencana 4 September 2019

7 Fraud Detection & Investigation Reksa Kencana 5 September 2019

8 Workshop ASEAN CG Scorecard RSM Indonesia 1 October 2019

9 Introduction to Project Management Astra International 9 October 2019

10 Influencing Through Communication Gunawan & Associate 30 - 31 October 2019

Struktur Organisasi SKAIStruktur organisasi SKAI per posisi 31 Desember 2019 adalah sebagai berikut:

Head, Network & Operations Audit

Head, Advisory & Audit Methodology

Head, MIS, Quality Assurance &

Conglomeration

Head, Information Technology AuditHead, Head Office AuditHead, Credit Audit &

Data Analytics

Audit CommitteePresident Director

Division Head, Internal Audit

Kepala SKAI membawahi 72 personil dengan komposisi pembagian menurut level, yaitu 1 orang Kepala SKAI, 25 orang di Departemen Credit Audit & Data Analytics, 13 orang di Departemen Network & Operations Audit, 13 orang di Departemen Head Office Audit, 11 orang di Departemen Information Technology Audit, 7 orang di Departemen MIS, Quality Assurance & Conglomeration dan 3 orang di Departemen Advisory & Audit Methodology.

During 2019 the Head of Internal Audit Unit has participated in the following education and/or trainings:

Internal Audit Organization StructureInternal Audit organization structure as of 31 December 2019 is as follows:

The Head of Internal Audit Unit oversees 72 personnel with the composition of division according to level, i.e.: 1 Head of Internal Audit, 25 people in the Credit Audit & Data Analytics Department, 13 people in the Network & Operations Audit Department, 13 people in the Head Office Audit Department, 11 people in the Information Technology Audit Department, 7 people in the MIS Department, Quality Assurance & Conglomeration and 3 people in the Department of Advisory & Audit Methodology.

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Tugas dan Tanggung Jawab SKAI 1. Menyusun dan melaksanakan Rencana Kerja Tahunan

Audit Internal serta alokasi anggaran pelaksanaan fungsi Audit Internal. Rencana Kerja Tahunan Audit Internal serta alokasi anggaran disetujui oleh Presiden Direktur dan Dewan Komisaris dengan mempertimbangkan rekomendasi Komite Audit.

2. Mengevaluasi dan menguji kecukupan dan efektivitas pelaksanaan tata kelola, manajemen risiko dan pengendalian internal. Hal ini juga mempertimbangkan apakah hasil yang dicapai dan dengan proses bisnis yang dilakukan adalah sejalan dengan tujuan, risk appetite dan perilaku dari values organisasi.

3. Menilai dan mengevaluasi efisiensi dan efektivitas di bidang keuangan, akuntansi, operasional, sumber daya manusia, pemasaran, teknologi informasi dan kegiatan lainnya.

4. Memberikan rekomendasi perbaikan dan informasi yang obyektif tentang kegiatan yang diperiksa pada semua tingkatan manajemen.

5. Menyampaikan Laporan Hasil Audit kepada Presiden Direktur dengan tembusan Dewan Komisaris, Komite Audit dan Direktur Kepatuhan.

6. Memantau, menganalisa dan melaporkan pelaksanaan tindak lanjut perbaikan yang telah disepakati.

7. Bekerja sama dengan Komite Audit.8. Menyusun program untuk mengevaluasi mutu kegiatan

Internal Audit yang dilakukan.9. Melakukan pemeriksaan khusus apabila diperlukan sepanjang

tidak mempengaruhi independensi.10. Audit Internal harus mengidentifikasi dan memperhatikan

ekspektasi Dewan Direksi, Manajemen Senior, Dewan Komisaris serta pemangku kepentingan lainnya terhadap opini dan kesimpulan yang diberikan oleh Audit Internal.

11. Membantu tugas Presiden Direktur dan Dewan Komisaris dalam melakukan pengawasan dengan cara menjabarkan secara operasional baik perencanaan, pelaksanaan, maupun pemantauan hasil audit.

12. Membuat analisis, dan penilaian di bidang keuangan, akuntansi, operasional dan kegiatan lain melalui audit.

13. Mengidentifikasi segala kemungkinan untuk memperbaiki dan meningkatkan efisiensi penggunaan sumber daya dan dana.

Internal Audit Roles and Responsibilities1. Develop and execute the Annual Internal Audit Plan as

well as budget allocation for the implementation of Internal Audit functions. The Annual Internal Audit Plan and budget allocation should be approved by President Director and Board of Commissioners with taking into consideration the recommendations of Audit Committee.

2. Evaluate and assess the adequacy and effectiveness of the implementation of governance process, risk management and internal control. It also considers whether the outcomes achieved and the way business is conducted is in line with the objectives, risk appetite and valued behaviors of the organization.

3. Assess and evaluate efficiency and effectiveness in finance, accounting, operations, human resources, marketing, information technology and other activities.

4. Provide recommendations on improvements and objective information on activities examined at all levels of management.

5. The audit report is submitted to President Director with copy to Board of Commissioners, Audit Committee and Compliance Director.

6. Monitor, analyze and report on the implementation of follow-up improvements that have been agreed.

7. Liaise with the Audit Committee.8. Develop a program to evaluate the quality of Internal Audit

activities undertaken.9. Conduct special audits where necessary as long as they do

not affect independence.10. The Internal Audit shall identify and observe the expectations

of the Board of Directors, Senior Management, Board of Commissioners and other stakeholders on the opinions and conclusions provided by Internal Audit.

11. Assist President Director and Board of Commissioners by conducting bank wide supervision through audit planning, fieldwork and monitoring of management action plan.

12. Prepare analysis, and assessments of finance, accounting, operations and other activities through audit assignment.

13. Identify all possibilities to improve the efficacy of resources and funds.


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Wewenang SKAI 1. Memiliki akses terhadap seluruh informasi Bank yang relevan

terkait dengan tugas & fungsinya.2. Melakukan komunikasi secara langsung dengan Dewan Direksi,

Dewan Komisaris, Komite Audit dan Dewan Pengawas Syariah. 3. Mengadakan rapat secara berkala dan insidentil dengan

Dewan Direksi, Dewan Komisaris, Komite Audit dan Dewan Pengawas Syariah.

4. Melakukan koordinasi dengan Ahli Hukum dan Auditor Eksternal yang mekanismenya akan diatur terpisah dalam Prosedur Internal Audit.

5. Mengikuti rapat Bank yang bersifat strategis.6. Melakukan komunikasi dengan pengawas OJK minimal 1

(satu) kali dalam setahun.

Kode Etik Auditor Dalam melaksanakan tugasnya, Kepala Internal Audit dan Auditor Internal harus mematuhi Kode Etik Bank dan Kode Etik Internal Audit yang dibentuk sesuai dengan POJK dan IPPF.

1. Integritas Auditor Internal memiliki integritas yang merupakan dasar

penetapan penilaian.

2. Obyektivitas Auditor Internal menunjukkan tingkat obyektivitas tertinggi

secara profesional dalam mengumpulkan, mengevaluasi dan menyampaikan informasi mengenai kegiatan operasional atau proses kerja yang sedang diperiksa. Auditor Internal membuat penetapan penilaian yang berimbang terhadap semua keadaan yang relevan dan tidak dipengaruhi oleh kepentingan Internal Audit secara pribadi maupun orang lain, termasuk menghindari benturan kepentingan serta memperhatikan kebijakan pembatasan penugasan secara berkala dan masa tunggu penugasan, termasuk dalam penggunaan pihak eksternal.

3. Kerahasiaan Auditor Internal menghormati nilai dan kepemilikan informasi

yang diterima dan tidak mengungkapkan informasi tersebut diluar kewewenangannya kecuali terdapat kewajiban hukum atau profesional untuk melakukannya.

4. Kompetensi Auditor Internal menerapkan pengetahuan, keterampilan dan

pengalaman yang dibutuhkan dalam kegiatan Audit Internal.

Internal Audit Authority1. Access all Bank information that relevant related to the task &

function.2. Communicate directly with the Board of Directors, Board of

Commissioners, Audit Committee and Shariah Supervisory Board.3. Conduct regular and incidental meetings with the Board of

Directors, Board of Commissioners, Audit Committee and Shariah Supervisory Board.

4. Coordinate with Legal Expert and External Auditor and the mechanism will be regulated separately in the Internal Audit Procedure.

5. Attend Bank’s strategic meeting.6. To have communication with OJK at least once a year.

Auditor’s Code Of EthicsIn performing its duties, Head of Internal Audit and Internal Auditors should abide to the Bank’s Code of Ethics and Internal Audit Code of Ethics which is established in accordance with POJK and IPPF.

1. Integrity The integrity of Internal Auditor establishes trust and thus

provides the basis for reliance on their judgment.

2. Objectivity Internal Auditors exhibits the highest level of professional

objectivity in gathering, evaluating and communicating information about the activity or process being examined. Internal Audit make a balanced assessment of all the relevant circumstances and are not unduly influenced by their own interests or by others in forming judgment, including avoiding conflicts of interest by conducting periodic audit engagement limitation and cooling-off period, including assignment to external parties.

3. Confidentiality Internal Auditors respects the value and ownership of

information they receive and do not disclose information without appropriate authority unless there is a legal or professional obligation to do so.

4. Competency Internal Auditors apply the knowledge, skills and experience

needed in the performance of Internal Audit services.

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Standar Pelaksanaan dan Pengembangan Mutu SKAI memiliki program Pengendalian Mutu Audit yang dirancang untuk melakukan evaluasi atas kesesuaian aktivitas audit intern dengan standard dan ketentuan yang telah ditetapkan. Aktivitas Pengendalian Mutu Audit dilaksanakan melalui:1. Periodic Assessment2. External Assessment yang dilakukan oleh Kantor Akuntan

Publik/Konsultan yang independen, kompeten dan berkualitas

Hubungan SKAI dengan Pihak Eksternal SKAI bekerja sama dengan pihak eksternal baik Kantor Akuntan Publik/Konsultan yang telah ditunjuk oleh Dewan Komisaris dengan rekomendasi Komite Audit dalam hal pelaksanaan review tiga tahunan atas fungsi SKAI.

Sumber Daya Manusia dan Sertifikasi Profesi Untuk menjaga dan meningkatkan kemampuan auditor internal, serangkaian program sertifikasi profesi maupun pelatihan teknis telah diikuti para auditor internal. Selain pelatihan keterampilan praktis, PermataBank juga mengadakan pelatihan soft skills untuk meningkatkan profesionalisme dan kompetensi karyawan dalam jangka panjang.

Komposisi sertifikasi profesi yang diadakan sampai dengan 31 Desember 2019 sebagai berikut:

Sertifikasi Internasional International Certification

Keterangan | Note:CIA : Certified Internal AuditorCRMA : Certification in Risk Management AssuranceCISA : Certified Information System AuditorCISM : Certified Information Security Manager

ITIL : Information Technology Infrastructure LibraryCHFI : Computer Hacking Forensic InvestigatorCEH : Certified Ethical HackerCRMP : Certified Risk Management Professional

2

CIA

1

CRMA

2

CISA

1

CISM

1

ITIL

1

CHFI

3

CEH

2

CRMP

Quality Development StandardSKAI has an Audit Quality Assurance program designed to evaluate the conformity of internal audit activities with established standards and regulations. Audit Quality Assurance program performed through:1. Periodic Assessment2. External Assessment conducted by an independent,

competent and qualified Public Accounting Firm / Consultant

Internal Audit Relations with External PartiesInternal Audit works closely with external parties both the Public Accountant Office / Consultant who has been appointed by the Board of Commissioners with the recommendation of the Audit Committee in terms of conducting a triennial review of the Internal Audit function.

Human Resources and Professional CertificationTo maintain and improve the skills of internal auditors, all internal auditors have obtained a series of professional certification and technical trainings. Other than training in practical skills, PermataBank also conducts soft skills trainings to improve the professionalism and competence of employees in the long term.

The composition of professional certifications as of 31 December 2019 are as follows:


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Sertifikasi Nasional National Certification

Keterangan | Note:SMR 1 : Sertifikasi Manajemen Risiko Level 1SMR 2 : Sertifikasi Manajemen Risiko Level 2SMR 3 : Sertifikasi Manajemen Risiko Level 3

SMR 4 : Sertifikasi Manajemen Risiko Level 4QIA : Qualified Internal AuditorCBIA- Spv : Certified Bank Internal Audit Level Supervisor

73

SMR 1

30

SMR 2

7

SMR 3

4

SMR 4

20

QIA

2

CBIA- Spv

Partisipasi dalam Perhimpunan Profesi Internal Audit Dalam rangka memperluas wawasan dan kompetensi profesional auditor dan sharing best practices, SKAI mengikutsertakan auditor dalam berbagai perhimpunan profesi Internal Audit antara lain, Institute of Internal Auditor (IIA) – Indonesia Chapter, Information Systems Audit and Control Association (ISACA), Ikatan Akuntan Indonesia (IAI), Ikatan Auditor Intern Bank (IAIB) dan Association of Certified Fraud Examiners (ACFE). Selain itu SKAI PermataBank juga melakukan sharing knowledge dengan ASTRA mengenai Audit Metodologi pada kegiatan Internal Audit Morning Talk Astra Financial tanggal 29 Juli 2019.

Information Technology (IT) Audit secara berkelanjutan fokus terhadap pengembangan kualitas sumber dayanya agar selalu catch-up dengan kondisi teknologi dan industri terbaru, terutama dengan isu Cyber Risk. Pengembangan tim IT Audit dimulai dengan memberikan pelatihan dan sertifikasi CEH (Certified Ethical Hacker) dan CISA (Certified Information System Auditor) kepada anggota IT Audit. SKAI melaporkan hasil audit Teknologi Informasi kepada OJK secara berkala sesuai dengan ketentuan yang berlaku.

Internal Audit Participation in Professional AssociationsTo expand the insight and competencies of professional auditors, as well as sharing the best practices, Internal Audit includes auditors in a member of Internal Audit Professional Associations such as Institute of Internal Auditors (IIA) - Indonesian Chapter, Information Systems Audit and Control Association (ISACA), Indonesian Accountants Association (IAI), Bank Internal Auditor Association (IAIB) and Association of Certified Fraud Examiners (ACFE). In addition, Internal Audit of PermataBank also shared knowledge with ASTRA regarding Audit Methodology on Internal Audit Morning Talk Astra Financial on 29 July 2019.

Information Technology (IT) Audit is continuously to focus on developing the quality of its resources to always be catch-up with the latest technological and industrial conditions, particularly with the issue of Cyber Risk. The development of the IT Audit team began by providing training and certification of CEH (Certified Ethical Hackers) and CISA (Certified Information System Auditors) to IT Audit members. SKAI reports the Information Technology audit results to OJK regularly in accordance with prevailing regulations.

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Sistem Informasi Internal AuditSejak tahun 2017, SKAI mentransformasi Unit Kerja Management Information System (MIS) Audit menjadi Unit Kerja Data Analytic, dengan bertransformasi dari penyedia data untuk kebutuhan audit saja bergerak untuk lebih aktif menganalisa data transaksi yang bisa menjadi indikasi inefektivitas dari kontrol di area yang termasuk dalam cakupan pemeriksaan. Dengan menggunakan Server IDEA terbaru, beberapa inisiatif sudah dimulai dengan dilakukannya Offsite Audit hingga secara regular dan otomatis menghasilkan data dengan kriteria yang dinamis dan didukung dengan proses pengembangan secara terus menerus dan komprehensif.

SKAI telah menggunakan Audit Management System (AMS) “TeamMate” sejak 2008. AMS digunakan untuk memantau setiap tahapan audit mulai dari perencanaan audit, pelaksanaan audit, pelaporan hasil audit dan mendokumentasikan kertas kerja audit. Penggunaan AMS bertujuan untuk meningkatkan efektivitas dan efisiensi aktivitas SKAI. Seiring perkembangan organisasi dan metodologi audit, selama tahun 2019 SKAI memulai proses penggantian AMS dengan mengembangkan Audit Works agar dapat mendukung seluruh proses audit, terutama dalam proses risk assessment.

Metodologi AuditSKAI PermataBank dalam melaksanakan penyusunan Rencana Kerja Audit Tahunan menggunakan pendekatan Risk Based Audit melalui tahapan identifikasi serta mapping audit universe dan auditable entity, risk assessment terhadap entity dan unit level serta penentuan audit needs menggunakan Most Important Factor yang merujuk pada POJK No. POJK 18/POJK.03/2016.

Pelaksanaan Kegiatan Audit Tahun 2019Selama tahun 2019, SKAI telah melaksanakan aktivitas kerja dengan titik berat pada:1. Membuat dan menyampaikan laporan pencapaian Rencana

Kerja Tahunan, serta kecukupan sumber daya kepada Direktur Utama dan Komite Audit secara berkala.

2. Membuat dan menyampaikan laporan pelaksanaan dan pokok-pokok hasil audit internal kepada regulator secara semesteran setelah mendapat persetujuan dari Direktur Utama dan Dewan Komisaris melalui Komite Audit.

Internal Audit Information SystemSince 2017, the Internal Audit Unit has transformed the Management Information System (MIS) Audit Unit into Data Analytic Unit, by transforming from data providers only to audit needs to move more actively to analyze transaction data which can be an indication of the effectiveness of controls in the areas included in the audit scope. By using the latest IDEA Server, several initiatives have been initiated by conducting Offsite Audit to regularly and automatically produce data with dynamic criteria and supported by a continuous and comprehensive development process.

Internal Audit has used the Audit Management System (AMS) “TeamMate” since 2008. The AMS monitors each audit stage starting from audit planning, audit fieldwork, reporting, and documenting of audit work papers. Using AMS improves the effectiveness and efficiency of Internal Audit’s activities. Following developments in the organization and audit methodology, during 2019 Internal Audit started the process of replacing AMS through developing Audit Works in order to support the all audit process, particularly in the risk assessment process.

Audit MethodologyInternal Audit of PermataBank in carrying out the preparation of the Annual Audit Plan using the Risk Based Audit approach through the stages of identification and mapping of audit universes and auditable entities, risk assessment of entities and unit levels and determination of audit needs using the Most Important Factor that refers to the POJK No. 18 / POJK.03 / 2016.

The Implementation of Audit Activities in 2019Throughout 2019, Internal Audit has carried out the activities focusing on:1. Prepared and submitted progress report and achievements based

on the Internal Audit Annual Plan, and the sufficiency of resources to President Director and Audit Committee on regular basis.

2. Prepared and submitted semi-annual report of activity implementation and key findings of internal audit to regulator following approval from the President Director and the Board of Commissioners through Audit Committee.


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3. Overseeing the activities of the Bank both credit, operational and Shariah Business Unit.

4. Developed staff’s competence and understanding on the strategy, plan, and business process including key risks faced by the Bank.

5. Periodically reviewing and updating the audit methodology.

In 2019, Internal Audit of PermataBank completed 100% of the Annual Audit Plan totalling 63 (sixty three) assignments, consisting of Regular Audit - onsite, Regular Audit - offsite audit, Joint Departments, Thematic Audit, IT Projects Audit, Regulatory assignments and Self-Assessment Questionnaire.

Aside performed audit assignments, Internal Audit also performed several activities to improve quality and provide added value to the organization as follows:1. Performed Quality Assurance Review, both internally for

the Internal Audit of PermataBank as well for the subsidiary Internal Audit of PT Sahabat Finansial Keluarga (SFK), as a member of PermataBank Financial Conglomerate.

2. Serves as a strategic business partner strives to improve cooperation with each line of business units and business supports in order to improve the Bank’s performance.

SKAI also performed several key initiatives in 2019 as follows:

1. Introduced the Internal Audit assessment method provided for proactive actions, initiatives and auditee awareness in conducting key risk identification, risk mitigation and ongoing control processes

3. Melakukan pengawasan terhadap kegiatan Bank baik perkreditan, operasional maupun Unit Usaha Syariah.

4. Mengembangkan kompetensi staf dan pemahaman terhadap strategi, rencana dan proses bisnis, termasuk key risk yang dihadapi oleh Bank.

5. Melakukan pengkajian dan pengkinian metodologi audit secara berkala.

Di tahun 2019, SKAI PermataBank menyelesaikan 100% Rencana Kerja Audit Tahunan sebanyak 63 (enam puluh tiga) penugasan, yang terdiri dari penugasan Regular Audit - onsite, Regular Audit – offsite audit, Joint Department, Thematic Audit, IT Projects Audit, Regulatory dan Questionnaire Self-Assessment.

Kegiatan Audit Tahun 2019 Audit Activities in 2019

Thematic Audit

Regular Audit - Onsite IT Projects Audit

Regular Audit - Offsite Audit Regulatory

Joint Departments Self-Assessment Questionnaire

32

9

6

5

4

43

2019

Selain melaksanakan penugasan audit, SKAI juga melakukan beberapa kegiatan untuk meningkatkan kualitas dan memberikan added value bagi organisasi sebagai berikut:1. Melaksanakan Quality Assurance Review secara internal baik

terhadap SKAI PermataBank maupun SKAI anak perusahaan PT Sahabat Finansial Keluarga (SFK), sebagai anggota Konglomerasi Keuangan PermataBank.

2. Berperan sebagai strategic business partner yang berupaya meningkatkan kerja sama dengan setiap lini unit bisnis dan pendukung bisnis dalam rangka meningkatkan kinerja Bank

SKAI juga melaksanakan beberapa key initiatives pada tahun 2019 sebagai berikut:1. Memperkenalkan metode penilaian SKAI yang diberikan

atas tindakan proaktif, inisiatif dan kesadaran auditee dalam melaksanakan identifikasi key risk, mitigasi risiko dan proses kontrol secara berkelanjutan

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2. Melaksanakan kegiatan advisory dengan memberikan masukan sebelum proyek-proyek IT diluncurkan (IT Project Audit Unit) dan masukan terkait model bisnis untuk Layanan Satu Atap – Syariah (Departemen Network & Operations Audit)

3. Melaksanakan road show ke 9 (sembilan) region untuk memberikan sosialisasi dan sharing key audit issues

4. Melakukan validasi atas temuan audit yang berisiko tinggi pada 6 (enam) bulan setelah temuan ditindaklanjuti untuk memastikan tidak terjadi temuan berulang di masa mendatang.

Rencana Kerja Tahunan SKAI 2020 Rencana Kerja Tahunan SKAI disusun dengan mempertimbangkan strategi dan rencana bisnis PermataBank di tahun 2020, dengan Tata Kelola Terintegrasi (TKT) sebagai SKAI Terintegrasi pada Entitas Utama. Rencana kerja ini mengambil pendekatan audit berbasis risiko dengan fokus pengawasan seluruh kegiatan operasional PermataBank.

Berdasarkan POJK tentang Penerapan Fungsi Internal Audit pada Bank Umum yang akan berlaku pada tahun 2019, Kepala SKAI akan memastikan Rencana Kerja Tahunan SKAI direncanakan, dilaksanakan, disupervisi, dan dipantau dengan baik untuk kemudian dilaporkan secara berkala kepada Presiden Direktur, Dewan Komisaris dan Komite Audit. Untuk merealisasikan rencana kerjanya, SKAI akan terus melakukan peningkatan kompetensi auditor, pengembangan metodologi serta optimalisasi alat bantu audit

Di tahun 2020, SKAI PermataBank merencanakan untuk melaksanakan 66 (enam puluh enam) penugasan sebagai berikut:

Kegiatan Audit Tahun 2020 Audit Activities in 2020

Thematic Audit

Regular Audit - Onsite

Regular Audit - Offsite Audit

Joint Departments

IT Projects Audit

Regulatory

Self-Assessment Questionnaire

39

8

10

1 17

0

2020

2. Conducted advisory activities by providing input before IT projects are launched (Unit IT Project Audit) and input related to business models for One-Stop Service (Layanan Satu Atap) - Shariah (Network & Operations Audit Department)

3. Conducted road shows to 9 (nine) regions to provide socialization and sharing of key audit issues

4. Validated high-risk audit findings on 6 (six) months after the findings are followed up to ensure that there are no repeated findings in the future.

2020 Internal Audit PlanInternal Audit Plan is formulated by considering PermataBank’s business strategy and plan in 2020 with Integrated Governance as Integrated Internal Audit at the Main Entity. This audit plan is using risk-based audit approach and the focus of Audit Plan is in the monitoring of PermataBank’s activities.

As stipulated in the POJK Implementation of Internal Audit Function effective in 2019, Head of Internal Audit will ensure the Audit Plan is planned, implemented, supervised and monitored in good manner to be reported periodically to the President Director, Board of Commissioners and Audit Committee. In realizing this working plan, Internal Audit will continuously conduct improvement on the competence of its auditor, methodology as well as optimizing audit tool and its utilization.

In 2020, Internal Audit of PermataBank plans to perform 66 (sixty six) assignments as follows:


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SISTEM PENGENDALIAN INTERNALSistem Pengendalian Internal (SPI) merupakan suatu mekanisme pengawasan yang ditetapkan oleh manajemen PermataBank secara berkesinambungan. SPI yang efektif merupakan komponen penting dalam manajemen PermataBank dan menjadi dasar bagi kegiatan operasional yang sehat dan aman. SPI yang efektif dapat membantu Dewan Komisaris dan Direksi dalam menjaga aset PermataBank, menjamin tersedianya pelaporan keuangan dan manajerial yang dapat dipercaya, meningkatkan kepatuhan PermataBank terhadap ketentuan dan peraturan perundang-undangan, serta mengurangi risiko terjadinya kerugian, penyimpangan, dan pelanggaran aspek kehati-hatian.

Sistem Pengendalian Internal PermataBank mengacu pada ketentuan dari Otoritas Jasa Keuangan serta Internal Control Integrated Framework yang dikembangkan oleh Committee of Sponsoring Organization of the Treadway Commission (COSO) tahun 2013.

Acuan Regulator dan Penjelasan Sistem Pengendalian InternalDalam menerapkan sistem pengendalian internal, PermataBank mengacu pada Surat Edaran OJK Nomor 35/SE.OJK.03/2017 tentang Pedoman Standar Sistem Pengendalian Intern bagi Bank Umum yang diterbitkan pada 07 Juli 2017. Sistem pengendalian intern dalam surat edaran tersebut terdiri dari lima komponen, yaitu:1. Pengawasan oleh manajemen dan budaya pengendalian;2. Identifikasi dan penilaian risiko;3. Kegiatan pengendalian dan pemisahan fungsi;4. Sistem akuntansi, informasi, dan komunikasi; dan5. Kegiatan pemantauan dan tindakan koreksi penyimpangan.

Sesuai dengan surat edaran tersebut, PermataBank menerapkan bahwa tata kelola dan sistem pengendalian internal menjadi tanggung jawab Direksi, Dewan Komisaris, dan seluruh karyawan sebagai dasar pencapaian tujuan, serta menjaga dan meningkatkan nilai PermataBank.

INTERNAL CONTROL SYSTEM

The Internal Control System (ICS) refers to a monitoring mechanism which is established by PermataBank ‘s management on an on-going basis. An effective ICS is an important component in PermataBank management and becomes the foundation of operational activities which are proper and secured. An effective ICS can help the Board of Commissioners and Directors in safeguarding the assets of the company, ensuring the availability of credible financial and managerial reporting, increasing PermataBank ‘s compliance with laws and regulations, and decreasing the risk of loss, deviation, and violations of prudential aspects.

PermataBank’s Internal Control System is based on prevailing regulations issued by Otoritas Jasa Keuangan, as well as the Internal Control Integrated Framework developed by the Committee of Sponsoring Organization of the Treadway Commission (COSO) in 2013.

Regulatory Context and Explanation on Internal Control SystemIn implementing internal control system, PermataBank refers to Circular Letter of OJK Number 35/SE.OJK.03/2017 on Standard Guidelines for Internal Control System for Commercial Banks issued on 07 July 2017. In this circular letter, internal control system consists of five different components as followed:1. Supervision by management and culture of control;2. Identification and assessment of risks;3. Control activities and segregation of functions;4. Accounting, information, and communications systems; and5. Monitoring activities and corrective measures for irregularities.

In accordance with the aforementioned circular letter, PermataBank situates governance and internal control system under the responsibilities of the Board of Directors, Board of Commissioners, and entire employee as the foundation to achieve our goals, as well as to maintain and improve PermataBank values.

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Adequacy in Internal Control PermataBank implements an internal control system in a sustainable manner by conducting a periodical review of the segregation of duties, dual control/control custody, reconciliation, policies, and procedures. Meanwhile, the Board of Commissioners through the Audit Committee is responsible for reviewing the adequacy and effectiveness of the internal control system as well as evaluating the adequacy of the management’s effort in developing the culture of control.

The commitment of Board of Directors in creating the internal control system as one of PermataBank’s culture, is translated as these duties:a. Set up an organizational structure that is in line with

PermataBank’s objectives;b. Determine authorities and responsibilities;c. Hold integrity and ethical values;d. Conduct training and human resources development in

accordance with career development and PermataBank’s requirements; and

e. Monitor, direct, and observe external factors that may affect PermataBank’s operational activities and the implementation of risk management.

PermataBank implements the internal control system with strategies and design aimed to make early identification of events that may affect PermataBank, including by:

a. Maintaining and securing assets;b. Giving assurance of the availability of accurate and reliable

reports;c. Improving the effectiveness and efficiency of operational

activities;d. Improving the compliance of regulation and the prevailing

laws; ande. Anticipating and mitigating loss, violation, and breach of

prudential principles.

PermataBank’s internal control system serves to manage risk within tolerance limits. In operational activities, the internal control system is designed and implemented to manage and control risks, however, not to eliminate risks. As a result, the internal control system aims to provide adequate assurance on the

Kecukupan dalam Pengendalian InternPermataBank menerapkan sistem pengendalian internal secara berkesinambungan dengan melakukan review secara berkala atas kecukupan pemisahan tugas, dual control/dual custody, rekonsiliasi, kebijakan, dan prosedur. Sementara itu, Dewan Komisaris melalui Komite Audit bertanggung jawab dalam mengkaji kecukupan dan efektivitas sistem pengendalian internal serta mengevaluasi kecukupan upaya Manajemen dalam mengembangkan budaya pengendalian.

Komitmen Direksi dalam menjadikan sistem pengendalian internal sebagai salah satu budaya PermataBank diterjemahkan dalam tugas-tugas berikut:a. Menyusun struktur organisasi yang sesuai dengan tujuan

PermataBank;b. Menetapkan wewenang dan tanggung jawab;c. Menjunjung integritas dan nilai-nilai etika;d. Melakukan pelatihan dan pengembangan sumber daya

manusia sesuai dengan pengembangan karir dan kebutuhan PermataBank; dan

e. Melakukan pemantauan dan memberikan arahan serta memperhatikan faktor-faktor eksternal yang dapat mempengaruhi kegiatan operasional PermataBank dan penerapan manajemen risiko.

PermataBank menerapkan sistem pengendalian internal dengan strategi dan desain yang bertujuan untuk secara dini mengidentifikasi kemungkinan terjadinya suatu kejadian yang dapat mempengaruhi PermataBank. Antara lain dengan cara:a. Menjaga dan mengamankan aset;b. Memberikan jaminan tersedianya laporan yang akurat dan

dapat diandalkan;c. Meningkatkan efektivitas dan efisiensi dalam kegiatan

operasional;d. Meningkatkan kepatuhan terhadap regulasi dan peraturan

yang berlaku; dane. Mengantisipasi dan memitigasi kerugian, penyimpangan, dan

pelanggaran terhadap prinsip kehati-hatian.

Sistem pengendalian internal PermataBank berfungsi untuk mengelola risiko agar tetap berada dalam batas toleransi. Dalam kegiatan operasional, sistem pengendalian internal dirancang dan diterapkan untuk mengelola dan mengendalikan risiko, namun bukan untuk menghilangkan risiko. Oleh karena itu, sistem


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achievement of control in an entity, however does not provide absolute guarantee on any material misstatement, loss, or other unforeseeable circumstances.

Compatibility with COSO – Internal Control FrameworkIn accordance to the Internal Control Integrated Framework COSO, PermataBank implements the internal control system through the three lines of defense.

PermataBank implements the three lines of defense to ensure the risk management process is carried out effectively in order to maintain ’PermataBank’s risk profile in terms of risk tolerance and risk appetite. These three lines of defense consist of:

1. First Line of Defense The first Line of defense is that all employees are required to

ensure the effective management of risks within the scope of their direct organizational responsibilities. This line follows the Bank’s organizational structure, incorporating business, functional, and geographic dimensions. In this combination, these different organization levels provide a holistic approach to risk management. They build on and inform each other.

pengendalian internal diharapkan dapat memberikan keyakinan yang memadai mengenai pencapaian tujuan pengendalian suatu entitas, namun tidak menjamin secara mutlak terhadap adanya salah saji yang material, kerugian, atau terjadinya kondisi lain yang tidak terduga.

Kesesuaian dengan COSO – Internal Control FrameworkMengacu pada Internal Control Integrated Framework COSO, PermataBank telah menerapkan sistem pengendalian internal melalui implementasi three lines of defense.

PermataBank menerapkan three lines of defense untuk memastikan proses manajemen risiko berjalan secara efektif dalam menjaga profil risiko PermataBank dalam hal toleransi risiko dan selera risiko. Three lines of defense itu adalah:

1. First Line of Defense

First line of defense adalah semua karyawan memastikan manajemen yang efektif atas risiko di lingkup tanggung jawab organisasi secara langsung. Lini ini mengikuti struktur organisasi pada Bank dengan menggabungkan dimensi bisnis, fungsional, dan geografis. Jika dikombinasikan antara berbagai tingkat organisasi yang berbeda, sistem ini akan memberikan sebuah pendekatan yang holistik dan saling berhubungan dalam manajemen risiko

Functions

FIR

ST

LIN

ER

ES

PO

NS

IBIL

ITIE

S

>> Identify and manage all risks (end to end) within the geographic footprint

>> Identify and manage all risks (end to end) within the business

>> Identify and manage all risks within the function

Business

Geographies

RISK TYPES

CreditCountry X

Border MarketShortTerm

Liquidity

StructuralLiquidity

Intra GroupTransaction

Equity Investment

Rate of ReturnOperational Reputational Pension Capital Strategic

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Tanggung jawab manajemen risiko lini pertama untuk semua manajer dalam kaitannya dengan tanggung jawab di lingkup organisasinya adalah:• Memastikan semua risiko teridentifikasi, dinilai, dimitigasi,

dimonitor, dan dilaporkan;• Memastikan risiko yang sudah diketahui telah dikontrol

dan berada di dalam batasan yang dapat diterima dan dengan standar yang konsisten;

• Memastikan semua kebijakan, prosedur, batasan, dan persyaratan pengendalian risiko lain yang berlaku telah diimplementasikan dan dipatuhi;

• Menanggapi dengan cepat atas kejadian internal dan eksternal untuk memitigasi dampak yang merugikan serta melaporkan kejadian tersebut sesuai dengan standar yang berlaku;

• Mengidentifikasi dan mengeskalasikan risiko baru yang material terhadap Bank;

• Menyelesaikan strategi bisnis (atau fungsional) sesuai toleransi risiko dan selera risiko dan mengoptimalisasi profil risiko tingkat pengembalian dari bisnis; dan

• Menetapkan irama yang tepat untuk budaya manajemen risiko Bank di dalam komunikasi internal dan sasaran kinerja.

Dalam memenuhi tanggung jawab di atas, lini pertama sebaiknya aktif meminta nasihat dari spesialis termasuk perwakilan dari lini kedua yang bertanggung jawab apabila diperlukan. Manajer lini pertama harus menetapkan irama yang sama dan ekspektasi yang tepat untuk tim dan area tanggung jawabnya.

Manajer juga harus memastikan bahwa anggota tim mampu melakukan perannya dengan baik dan proaktif dalam meminta assurance yang teratur agar area tanggung jawab mereka berjalan sesuai dengan standar yang dapat diterima.

The responsibility of first line risk management is for all managers in respect to the scope of their organizational responsibility are to:

• Ensure all risks are identified, assessed, mitigated, monitored, and reported;

• Ensure that known risks are controlled within acceptable boundaries and to consistent standards;

• Ensure all applicable policies, procedures, limits, and other risk control requirements are implemented and complied with;

• Respond promptly to internal and external events to mitigate any adverse impact to the Bank, and report these events in accordance with applicable standards;

• Identify and escalate new and emerging risks that could be material to the Bank;

• Align business (or functional) strategy to risk tolerance and risk appetite and seek to optimize the risk-return profile of the business; and

• Set the right tone for the risk management culture of the Bank in internal communications and performance objectives.

In fulfilling the above responsibilities, the first line should actively seek advice from specialists, including, if required, from the responsible second line representative. Managers in the first line must set the appropriate tone and expectations for their team and their area of responsibility.

The managers also must ensure that their team members are capable of performing their roles successfully and demand periodical assurance proactively hence their areas of responsibility are performed within an acceptable standard.


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2. Second Line of Defense

Second line of defense terdiri dari pengontrol risiko (Risk Control Owner) termasuk Direktur yang bertanggung jawab terhadap tipe risiko masing-masing yang didukung oleh fungsi kontrol unit terkait. Pengontrol risiko bertanggung jawab untuk memastikan bahwa risiko residu di dalam lingkup toleransi risiko dan di dalam appetite. Terdapat tiga aspek utama agar bisa melakukan tanggung jawab tersebut, yaitu: identifikasi risiko material; perancangan dan pengelolaan standar lingkungan pengendalian yang efektif; dan pemahaman dan penerimaan tingkat risiko residu.

Functions

FIR

ST

LIN

ER

ES

PO

NS

IBIL

ITIE

SS

EC

ON

D L

INE

RE

SP

ON

SIB

ILIT

IES

>> Identify and manage all risks (end to end) within the geographic footprint

>> Identify and manage all risks (end to end) within the business

>> Identify and manage all risks within the function

Business

Geographies

RISK TYPES

CreditCountry X

Border MarketShortTerm

Liquidity

StructuralLiquidity Operational Reputational Pension Capital Strategic Intra Group

TransactionEquity

InvestmentRate of Return

RiskControlOwners

HCCPPM HRRB

HCCPPM HBMRHBMR HBM&CP OR&IRM HCA HRG HBM&CP HSO HFCHWB & UUS BF

HWB & UUS BF

Lini kedua mempunyai posisi yang independen terhadap fungsi origination, trading, dan sales untuk memastikan bahwa pertimbangan yang diperlukan dalam mengambil keputusan tingkat pengembalian risiko dilakukan. Hal ini sangat penting karena pendapatan bisa langsung diketahui sementara kerugian yang timbul dari posisi risiko menjadi manifestasi dalam berjalannya waktu. Lini kedua berwenang untuk menanyakan dan menghentikan aktivitas bisnis (dalam lingkup tanggung jawab pengendalian mereka) jika risiko tidak selaras dengan pengendalian yang seharusnya atau selera risiko.

2. SecondLineofDefense The second line of defense comprises the Risk Control Owners

including the Directors in charge of their respective risk types, supported by their related control functions. risk control owners are responsible for ensuring that the residual risks are within the boundaries of risk tolerance and risk appetite. There are three main aspects to handle these responsibilities: the identification of material risks; designing and maintaining effective control standards; and understanding and accepting levels of residual risk.

The second line has an independent position in the origination, trading, and sales functions to ensure that the necessary consideration in making decision on risk return level is performed. This consideration is important in directly predicting revenue, while the anticipated loss from the risks measured will manifest over time. The second line has the authority to challenge and stop any business activity (within the scope of their control responsibilities) should the risks not be aligned with control requirement or risk appetite.

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3. Third Line of Defense

Third line of defense merupakan assurance independen yang dilakukan oleh fungsi SKAI terhadap efektivitas proses pengendalian risiko pada aktivitas bisnis (first line of defense) dan proses yang dikelola oleh Fungsi Pengendalian Risiko (second line defense).

Temuan audit dilaporkan kepada Presiden Direktur dan Dewan Komisaris serta Komite Audit. Peran dan fungsi Internal Audit didefinisikan pada Piagam Internal Audit.

Evaluasi Efektivitas Pengendalian Internal 2019Direksi bertanggung jawab atas terselenggaranya SPI yang andal dan efektif untuk meningkatkan budaya sadar risiko yang harus dipastikan telah melekat di setiap jenjang organisasi. Permasalahan terkait dengan kecukupan pengendalian intern telah dilaporkan kepada Direksi dan langkah-langkah tindak lanjut telah dilakukan untuk meminimalisasi risiko. Laporan juga disampaikan kepada Dewan Komisaris melalui Komite di tingkat Dewan Komisaris.

Dewan Komisaris dibantu oleh Komite Audit bertanggung jawab untuk melakukan pengawasan dalam rangka memastikan terselenggaranya pengendalian intern secara umum termasuk pengawasan terhadap kebijakan Direksi yang menetapkan pengendalian intern tersebut.

Internal Audit bertanggung jawab untuk mengevaluasi dan berperan aktif dalam meningkatkan efektivitas SPI secara berkesinambungan, terutama berkaitan dengan pelaksanaan operasional dalam mencapai sasaran yang telah ditetapkan PermataBank. Internal Audit melakukan pemeriksaan dan kaji ulang secara periodik terhadap seluruh aktivitas di unit kerja dan entitas anak. Hasil evaluasi disampaikan kepada Direksi untuk ditindaklanjuti dan dipantau pelaksanaannya untuk memastikan SPI telah berjalan secara efektif.

Berdasarkan evaluasi yang telah dilakukan selama tahun 2019, diperoleh hasil bahwa SPI pada PermataBank telah memadai.

1. Third Line of Defense The third Line of defense is an independent assurance carried

out by the Internal Audit function, to the overall effectiveness of risk control in business activities (first line of defense) and the process managed by Risk Control Function (second line of defense).

Audit findings are reported to the President Director, Board of Commissioners and Audit Committee. The role of Internal Audit function is defined in the Internal Audit Charter.

Evaluation of Internal Control Effectiveness 2019The Board of Directors are responsible for the implementation of reliable and effective SPI to increase the culture of risk awareness and ensure that those values have embedded in every level of organization. Issues related to the adequacy of Internal Control were reported to the Board of Directors and follow-up measures were taken to minimize risks. Reports were also submitted to the Board of Commissioners through the Committees at the Board of Commissioners level.

The Board of Commissioners, assisted by the Audit Committee, is responsible for the oversight to ensure the overall implementation of Internal Controls, including the Board of Directors policies related to Internal Controls.

Internal audit is responsible for evaluating and actively improving the use of ICS continuously in regard with the operational implementation in achieving PermataBank’s goals. Internal Audit conducts audit and review all activities in work unit and subsidiaries periodically. The evaluation results are submitted to the Board of Directors for followed up and monitored for implementation to ensure the ICS has been running effectively.

Based on evaluations that have been conducted during 2019, ICS at PermataBank is adequate.


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HUKUMPermataBank memandang bahwa pengelolaan risiko hukum merupakan tanggung jawab Dewan Komisaris, Direksi berikut segenap karyawan PermataBank.

Divisi Legal dan Litigasi PermataBank bertanggung jawab mengelola risiko hukum di PermataBank untuk memastikan perlindungan hukum atas tindakan PermataBank sesuai dengan ketentuan yang berlaku.

Kebijakan di Bidang LegalPermataBank membuat kebijakan-kebijakan dan prosedur- prosedur yang diperlukan untuk mengelola risiko hukumnya untuk memastikan seluruh kegiatan PermataBank mematuhi ketentuan yang berlaku. Kebijakan-kebijakan dan prosedur tersebut dapat diakses oleh seluruh karyawan melalui sistem PermataBank’s Portal.

Untuk meningkatkan legal awareness karyawan khususnya yang terkait kegiatan usaha PermataBank, Divisi Legal dan Litigasi PermataBank secara berkala melaksanakan berbagai kegiatan termasuk legal training and sharing.

Sepanjang tahun 2019, Divisi Legal telah menerbitkan 32 kebijakan baru (termasuk pembaharuan atas kebijakan- kebijakan yang telah ada sebelumnya), sebagaimana diuraikan berikut ini:

1 Kebijakan Standard Perjanjian Kerjasama Layanan Perbankan Virtual Account, Ref. No. POLCL032, tanggal 19 Des 2019Standard Policy for Virtual Account Banking Service Cooperation Agreement, Ref. No. POLCL032, 19 Dec 2019

2 Prosedur Panduan Penyusunan Profil Risiko Hukum, Ref. No. PROCL030, tanggal 13 Des 2019Procedure for Preparing Legal Risk Profile, Ref. No. PROCL030, 13 Dec 2019

3 Kebijakan Standard Dokumen Pelaksana Transaksi Derivatif dengan Pihak Lain (Counterparty), Ref. No. POLCL030, tanggal 12 Des 2019Standard Policy for Implementing Derivative Transactions With Other Parties (Counterparties), Ref. No. POLCL030, 12 Dec 2019

4 Kebijakan Penyimpanan, Pengalihan, Pemindahan dan Penyerahan, dan Pemusnahan Dokumen Perusahaan, Ref. No. PRLPBP0014, tanggal 22 Jul 2019Policy on Safekeeping, Transfer, Transport and Submission, and Destruction of Company Documents, Ref. No. PRLPBP0014, 22 July 2019

5 Kebijakan Dokumen Standar Kesepakatan Bersama atas Pelaksanaan Transaksi Perbankan Melalui Faksimili, E-Mail Dan Perantaraan Pihak Lain, Ref. No. POLCL031, tanggal 10 Des 2019Standard Policy for Documents of Mutual Agreement on the Implementation of Banking Transactions Through Facsimile, E-Mail and Intermediary of Other Parties, Ref. No. POLCL031, 10 Dec 2019

6 Kebijakan Standar Dokumen Syarat dan Ketentuan Umum Kredit Tanpa Agunan untuk Bisnis (Permatakta Bisnis) dan Surat Pernyataan dan Jaminan Terkait, Ref. No. POLCL023, tanggal 25 Nov 2019Standard Policy for Document of General Terms and Conditions for Unsecured Loans for Business (PermataKTA Bisnis) and Related Declarations and Guarantees, Ref. No. POLCL023, 25 November 2019

7 Kebijakan Standar Dokumen Syarat dan Ketentuan Umum Kredit Tanpa Agunan (Permatakta), Ref. No. POLCL028, tanggal 25 Nov 2019Standard Policy for Document for General Terms and Conditions of Unsecured Loans (Permatakta), Ref. No. POLCL028, 25 November 2019

8 Kebijakan Standar Dokumen Syarat dan Ketentuan Umum Kartu Kredit, Ref. No. POLCL027, tanggal 25 Nov 2019Standard Policy for Document of General Terms and Conditions for Credit Cards, Ref. No. POLCL027, 25 Nov 2019

LEGALPermataBank believes that the management of legal risk is the responsibility of the Board of Commissioners, Board of Directors and all employees of PermataBank.

PermataBank‘s Legal and Litigation divisions are responsible for managing PermataBank’s legal risks to ensure that PermataBank is legally protected for all its activities in accordance with prevailing regulations.

Legal Policies PermataBank establishes necessary policies and procedures for managing its legal risks which ensures that all of its activities comply with prevailing regulations. These policies and procedures can be accessed by all employees through PermataBank’s Portal system.

To increase employees legal awareness especially those related to PermataBank’s business activities, PermataBank‘s Legal and Litigation divisions regularly carried out various activities including legal training and sharing of information.

During 2019, the Legal Division issued 32 new policies, (including amendments on existing policies), as follows:

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9 Prosedur Penggunaan Standar Syarat dan Ketentuan Umum Pemberian Fasilitas Perbankan dan Perjanjian Pemberian Fasilitas Perbankan (Ketentuan Khusus), Ref. No. PROLCL004, tanggal 18 Nov 2019Standard Procedure and General Terms and Conditions for Providing Banking Facilities and Agreement for Providing Banking Facilities (Special Conditions), Ref. No. PROLCL004, 18 Nov 2019

10 Kebijakan Dokumen Standar Al Ijarah Al Muntahiyah Bi Al Tamlik, Ref. No. POLCL029, tanggal 18 Nov 2019Standard Policy for Document for Al Ijarah Al Muntahiyah Bi Al Tamlik, Ref. No. POLCL029, 18 Nov 2019

11 Kebijakan Standard Syarat dan Ketentuan Umum Layanan Pembiayaan Perdagangan (Trade Finance) dan Jaminan (Guarantee), Ref. No. POLCL025, tanggal 15 Nov 2019Standard Policy for General Terms and Conditions of Trade Finance Services and Guarantees, Ref. No. POLCL025, 15 Nov 2019

12 Kebijakan Standard Dokumen Pemberian Fasilitas Receivable Financing, Ref. No. POLCL024, tanggal 15 Nov 2019Standard Policy for Document for Provision of Receivable Financing Facilities, Ref. No. POLCL024, 15 Nov 2019

13 Kebijakan Standard Perjanjian Murabahah Pembiayaan Pemilikan Rumah, Ref. No. POLCLO26, tanggal 15 Nov 2019Standard Policy for Murabahah Agreement on Housing Ownership Financing, Ref. No. POLCLO26, 15 Nov 2019

14 Kebijakan Standard Dokumen Pelaksanaan Transaksi Today, Tomorrow dan Spot, Ref. No. POLCL021, tanggal 22 Oct 2019Standard Policy for Transactions Today, Tomorrow and Spot, Ref. No. POLCL021, 22 Oct 2019

15 Prosedur Standard Perjanjian Kerjasama dengan Penyedia, Ref. No. PROLCL005, tanggal 21 Okt 2019Standard Procedure for Cooperation Agreement with Providers, Ref. No. PROLCL005, 21 Oct 2019

16 Kebijakan Dokumen Legal dan Dokumen Jaminan yang Wajib Disyaratkan kepada Nasabah dan/atau Penjamin dalam Rangka Pemberian Fasilitas Kredit/Pembiayaan, Ref. No. POLCL020, tanggal 09 Okt 2019Policy on Legal and Guarantee Documents Required for Customers and/or Guarantor in the Context of Providing Credit/Financing Facilities, Ref. No. POLCL020, 09 Oct 2019

17 Kebijakan Kuasa Pelaksana Transaksi, Ref. No. POLCL015, tanggal 07 Okt 2019Policy on Transaction Authority, Ref. No. POLCL015, 07 Oct 2019

18 Prosedur Standar Perjanjian Murabahah, Ref. No. PROLCL006, tanggal 08 Aug 2019Standard Procedure for Murabahah Agreement, Ref. No. PROLCL006, 8 August 2019

19 Prosedur Perjanjian Gadai atas Deposito dan atau Rekening dan Surat Jaminan dan Kuasa Pencairan Deposito dan atau Rekening untuk Menjamin Fasilitas Kredit, Ref. No. PROLCL003, tanggal 05 Aug 2019Procedure for Pawn Agreement for Deposits and or Accounts and Guarantees and Authorization for Deposits or Accounts to Guarantee Credit Facilities, Ref. No. PROLCL003, 05 Aug 2019

20 Panduan Bea Meterai, Ref. No. 001/IM-CL/IV/2019, tanggal 22 Jul 2019Guide to Stamp Duty, Ref. No. 001 / IM-CL / IV / 2019, 22 Jul 2019

21 Prosedur Penggunaan Jasa Konsultan Hukum, Ref. No. PROLCL002, tanggal 24 Jun 2019Procedure for Using Legal Consultant Services, Ref. No. PROLCL002, 24 Jun 2019

22 Prosedur Standar Transaksi Repo Antarbank, Ref. No. PRLPBP047, tanggal 09 May 2019Standard Procedure of Interbank Repo Transaction, Ref. No. PRLPBP047, 9 May 2019

23 Prosedur Standard Dokumen Pelaksanaan Transaksi Repo dengan Nasabah, Ref. No. PROCL001, tanggal 09 May 2019Standard Procedure for Document for Implementing Repo Transaction with Customer, Ref. No. PROCL001, 9 May 2019

24 Prosedur Dokumen Pembukaan Rekening yang di Persyaratkan oleh Legal, Ref. No. PRLPB053, tanggal 26 Mar 2019Procedure for Document for Account Opening Required by Legal, Ref. No. PRLPB053, 26 Mar 2019

25 Prosedur Pencadangan Biaya Terkait Gugatan/ Klaim yang Diajukan terhadap Bank, Ref. No. PRLIT-003, tanggal 20 Mar 2019Procedure for Provision Related to Lawsuit / Claims Filed Against the Bank, Ref. No. PRLIT-003, 20 Mar 2019

26 Prosedur Standar Dokumen Pelaksanaan Transaksi Derivatif dengan Nasabah (2), Ref. No. PRLPWB020(2), tanggal 12 Mar 2019Standard Procedure for Document of Derivative Transaction with Customers (2), Ref. No. PRLPWB020 (2), 12 Mar 2019

27 Prosedur Standar Dokumen Pelaksanaan Transaksi Derivatif Dengan Nasabah (1), Ref. No. PRLPWB020 (1), tanggal 12 Mar 2019Standard Procedure for Document of Derivative Transaction with Customers (1), Ref. No. PRLPWB020 (1), 12 Mar 2019

28 Standard Opini/Kajian Legal untuk Rencana Kerjasama Bancassurance, Ref. No. 078/IM-Legal/LL/II/19, tanggal 27 Feb 2019Standard Opinion/Legal Review for Bancassurance Cooperation Plans, Ref. No. 078 / IM-Legal / LL / II / 19, 27 Feb 2019

29 Prosedur Standar Dokumen Layanan Penyimpanan Surat Berharga, Ref. No. PRLPBP048, tanggal 18 Feb 2019Standard Procedure for Document for Securities Deposit Services, Ref. No. PRLPBP048, 18 Feb 2019

30 Prosedur Standard Perjanjian Kerjasama Referensi Asuransi (Bancassurance) dalam Rangka Produk Bank, Ref. No. PRLPBP045, tanggal 18 Feb 2019Standard Procedure for Insurance Reference Cooperation Agreement (Bancassurance) in the Framework of Bank Products, Ref. No. PRLPBP045, 18 Feb 2019

31 Prosedur Standar Syarat dan Ketentuan Permatatabungan Optima, Ref. No. PRLPBP049, tanggal 15 Feb 2019Standard Procedure for Terms and Conditions for Permatatabungan Optima, Ref. No. PRLPBP049, 15 Feb 2019

33 Prosedur Standard Kesepakatan Bersama atas Pelaksanaan Pelaporan Devisa Hasil Ekspor, Ref. No. PRLPBP031, tanggal 28 Jan 2019Standard Procedure for Mutual Agreement on the Reporting of Foreign Exchange from Export, Ref. No. PRLPBP031, 28 Jan 2019


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34 Prosedur Standar Addendum Ketentuan Khusus dan Surat Konfirmasi Pemberian Pagu Musiman, Ref. No. PRLPWB022, tanggal 28 Jan 2019Standard Procedure Addendum Special Provisions and Letter Of Confirmation Of Seasonal Ceiling Granting, Ref. No. PRLPWB022, 28 Jan 2019

35 Prosedur Standar Perjanjian Musyarakah, Ref. No. PRLPWB011, tanggal 28 Jan 2019Standard Procedure for Musyarakah Agreement, Ref. No. PRLPWB011, 28 Jan 2019

36 Prosedur Standar Klausula Jangka Waktu Fasilitas di dalam Perjanjian Kredit, Surat Konfirmasi Perpanjangan Jangka Waktu Fasilitas, dan Surat Pemberitahuan Pengakhiran Jangka Waktu Fasilitas, Ref. No. PRLPBP025, 25 Jan 2019Standard Procedure for Facility Term Clause in a Credit Agreement, Confirmation Letter for Extension of Facility Period, and Notification Letter for Termination of Facility Period, Ref. No. PRLPBP025, 25 Jan 2019

37 IM Pencabutan Kebijakan Standarisasi Covenant dalam Rangka Pemberian Fasilitas Kredit/Pembiayaan (Kebijakan No.PLLPRB042), Ref. No. 481/IM-Legal/LA/XII/18, tanggal 25 Jan 2019IM Revocation of Covenant Standardization Policy in the Context of Providing Credit/Financing Facilities (Policy No. PLLPRB042), Ref. No. 481 / IM-Legal / LA / XII / 18, 25 Jan 2019

38 Prosedur Syarat dan Ketentuan Khusus Pembukaan Rekening Tabungan PermataME! & PermataME! Ib, Ref. No. PRLBP046, tanggal 25 Jan 2019Procedure for Special Terms and Conditions for Opening a PermataME! & PermataME! Ib Savings Account, Ref. No. PRLBP046, 25 January 2019

39 Delegasi Kewenangan Legal, Ref. No. DOALGL001, tanggal 15 Jan 2019Delegation of Legal Authorities, Ref. No. DOALGL001, 15 Jan 2019

40 Prosedur Standard Ketentuan Khusus Perpanjangan Sementara, Ref. No. PRLPBP041, tanggal 11 Jan 2019Standard Procedure for Specific Provisions for Temporary Extension, Ref. No. PRLPBP041, 11 Jan 2019

41 Prosedur Standard Kesepakatan Bersama atas Pelaksanaan Transaksi Perbankan Melalui Faksimili, Email, dan Perantaraan Orang Lain, Ref. No. PRLPBP023, tanggal 11 Jan 2019Standard Procedure for Mutual Agreement of Banking Transactions through Facsimile, Email and Intermediary of Other People, Ref. No. PRLPBP023, 11 Jan 2019

42 Prosedur Dokumentasi Perjanjian, Ref. No. PLLPBP028, tanggal 11 Jan 2019Procedure for Agreement Documentation, Ref. No. PLLPBP028, 11 Jan 2019

43 Prosedur Notaris Rekanan/Non Rekanan Bank, Ref. No. PRLPBP010, tanggal 11 Jan 2019Procedure for Bank Partner / Non Bank Partner Notary, Ref. No. PRLPBP010, 11 Jan 2019

211Main Highlights






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PERMASALAHAN HUKUM

Perkara PerdataPerkara perdata yang melibatkan Bank baik sebagai tergugat atau turut tergugat, antara lain:- Gugatan terkait eksekusi jaminan oleh Bank atas yang

dijaminkan oleh Debitur atau pihak ketiga kepada Bank.- Gugatan terkait penjualan piutang Bank kepada pihak ketiga

dan pemblokiran rekening simpanan nasabah.

Permasalahan HukumLegal Cases

JumlahAmount

Perkara Hukum 2018 2018 Legal Cases 68

Perkara Baru 2019 2019 New Legal Cases 55

Perkara Selesai 2019 2019 Settled Legal Case 31

Perkara Hukum Berjalan Ongoing Legal Cases 92

Perkara PentingPerkara perdata yang dilaporkan dalam laporan tahunan ini dinilai sebagai perkara penting. dengan nilai gugatan di atas Rp1.000.000.000.000,- (satu triliun Rupiah).

Hingga laporan tahunan ini diterbitkan, seluruh permasalahan hukum yang dihadapi PermataBank secara material tidak berpengaruh terhadap status, kedudukan dan kelangsungan kegiatan usaha maupun keadaan keuangan PermataBank.

Berikut adalah penjelasan rinci atas perkara perdata material:

1. PT PELITA CENGKARENG PAPER

Latar BelakangPT Pelita Cengkareng Paper mengajukan gugatan perbuatan melawan hukum terhadap Bank, Molucca Holdings S.A.R.L. dan tergugat-tergugat lainnya ke Pengadilan Negeri Jakarta Pusat terkait penjualan dan pengalihan hak tagih Bank sebagai kreditur asal dari PT Pelita Cengkareng Paper kepada Molucca Holdings S.A.R.L. sebagai kreditur baru.

Nilai gugatan yang diajukan oleh PT Pelita Cengkareng Paper dalam setiap gugatannya tersebut di atas masing-masing sebesar Rp1.500.000.000.000 (satu triliun lima ratus miliar Rupiah) terdiri dari kerugian materiil sebesar Rp500.000.000.000 (lima ratus miliar Rupiah) dan kerugian immateriil sebesar Rp1.000.000.000.000 (satu triliun Rupiah).

BackgroundPT Pelita Cengkareng Paper filed its unlawful act claims against the Bank, Molucca Holdings S.A.R.L. and other defendants to the Central Jakarta District Court related to the sale and transfer of the Bank’s receivables as the original creditor of PT Pelita Cengkareng Paper to Molucca Holdings S.A.R.L. as the new creditor.

The value of the claim filed by PT Pelita Cengkareng Paper in each case amounted to Rp1,500,000,000,000,- (one trillion five hundred billion Rupiah) consisting of material losses of Rp500,000,000,000,- (five hundred billion Rupiah) and immaterial losses of Rp1,000,000,000,000,- (one trillion Rupiah).

Perkara No. 236/Pdt.G/2018/PN.JKT.PSTPada tanggal 19 April 2018, PT Pelita Cengkareng Paper mengajukan gugatan perdata No. 236/Pdt.G/2018/PN.JKT.PST terhadap Bank, Molucca Holdings S.A.R.L. dan 3 (tiga) tergugat lainnya ke Pengadilan Negeri Jakarta Pusat terkait penjualan dan pengalihan hak tagih Bank sebagai kreditur asal dari PT Pelita Cengkareng Paper kepada Molucca Holdings S.A.R.L. sebagai kreditur baru.

Pada tanggal 16 Oktober 2018, PT Pelita Cengkareng Paper mengajukan pencabutan gugatan perdata No. 236/Pdt.G/2018/PN.JKT. PST ke Pengadilan Negeri Jakarta Pusat dan pada tanggal 30 Oktober 2018, Pengadilan Negeri Jakarta Pusat mengabulkan pencabutan gugatan perdata No. 236/Pdt.G/2018/PN.JKT. PST.

Case No. 236/Pdt.G/2018/PN.JKT.PSTOn 19 April 2018, PT Pelita Cengkareng Paper filed its civil claim No. 236/Pdt.G/2018/PN. JKT.PST against the Bank, Molucca Holdings S.A.R.L. and 3 (three) other defendants to the Central Jakarta District Court related to the sale and transfer of the Bank’s receivables as the original creditor of PT Pelita Cengkareng Paper to Molucca Holdings S.A.R.L. as the new creditor.

On 16 October 2018, PT Pelita Cengkareng Paper submitted the revocation of civil claim No. 236/Pdt.G/2018/PN.JKT.PST to the Central Jakarta District Court and on 30 October 2018, the Central Jakarta District Court approved the revocation of civil claim No. 236/Pdt.G/2018/PN. JKT.PST.

LEGAL CASES

Civil Cases Civil cases involving the Bank whether as a defendant or co-defendant, including:- Claims related to the Bank’s execution of collateral provided

by the Debtor or third party(ies) to the Bank.- Claims related to sales of the Bank’s receivables to third

parties and blocking of customer’s savings account.

Significant Cases The civil cases reported in annual report are those with a nominal claim value of Rp1,000,000,000,000.00 (one trillion Rupiah) or above.

All legal cases encountered by PermataBank do not materially affect the condition of PermataBank’s status, position and ability for continuing business operations as well as financial position.

A detailed description of all significant cases:


PT Bank Permata Tbk


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Perkara No. 580/Pdt.G/2018/PN.JKT.PSTPada tanggal 17 Oktober 2018, PT Pelita Cengkareng Paper mengajukan gugatan baru terhadap Bank, Molucca Holdings S.A.R.L. dan 7 (tujuh) tergugat lainnya ke Pengadilan Negeri Jakarta Pusat dengan nomor perkara baru No. 580/Pdt.G/ 2018/PN.JKT.PST.

Pada tanggal 12 Juli 2019, PT Pelita Cengkareng Paper mengajukan pencabutan gugatan perdata No. 580/Pdt.G/2018/PN.JKT. PST ke Pengadilan Negeri Jakarta Pusat dan pada tanggal 23 Juli 2019, Pengadilan Negeri Jakarta Pusat mengabulkan pencabutan gugatan perdata No. 580/Pdt.G/2018/ PN.JKT.PST.

Case No. 580/Pdt.G/2018/PN.JKT.PSTOn 17 October 2018, PT Pelita Cengkareng Paper filed a new civil claim against the Bank, Molucca Holdings S.A.R.L. and 7 (seven) other defendants to the Central Jakarta District Court with the new registration No. 580/Pdt.G/2018/PN.JKT. PST.

On 12 July 2019, PT Pelita Cengkareng Paper submitted the revocation of civil claim No. 580/Pdt.G/2018/PN.JKT.PST to the Central Jakarta District Court and on 23 July 2019, the Central Jakarta District Court approved the revocation of civil claim No. 580/Pdt.G/2018/PN. JKT.PST.

Perkara No. 388/Pdt.G/2019/PN.JKT.PSTPada tanggal 10 Juli 2019, PT Pelita Cengkareng Paper mengajukan gugatan baru terhadap Bank, Molucca Holdings S.A.R.L. dan 8 (delapan) tergugat lainnya ke Pengadilan Negeri Jakarta Pusat dengan nomor perkara baru No. 388/Pdt.G/2019/ PN.JKT.PST.

Pada tanggal 12 Desember 2019, PT Pelita Cengkareng Paper mengajukan pencabutan gugatan perdata No. 388/Pdt.G/2019/PN.JKT. PST ke Pengadilan Negeri Jakarta Pusat dan telah dikabulkan oleh Pengadilan Negeri Jakarta Pusat pada tanggal 9 Januari 2020..

Case No. 388/Pdt.G/2019/PN.JKT.PSTOn 10 July 2019, PT Pelita Cengkareng Paper filed a new civil claim against the Bank, Molucca Holdings S.A.R.L. and 8 (eigth) other defendants to the Central Jakarta District with the new registration No. 388/Pdt.G/2019/PN. JKT.PST.

On 12 December 2019, PT Pelita Cengkareng Paper submitted the revocation of civil claim No. 388/Pdt.G/2019/PN.JKT.PST to the Central Jakarta District Court and was approved by the Jakarta District Court on 9 January 2020..

Pengaruh terhadap BankSecara material tidak berpengaruh terhadap keadaan keuangan PermataBank.

Impact to the BankThis does not materially affect the financial position of PermataBank.

2. ROYAL STANDARD GROUP

Latar Belakang:PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya dan Irma Halim sebagai para penggugat secara bersama-sama mengajukan gugatan perdata terhadap Bank, Molucca Holdings S.A.R.L. dan tergugat lainnya ke Pengadilan Negeri Jakarta Pusat terkait penjualan dan pengalihan hak tagih Bank sebagai kreditur asal dari PT Jaya Smart Technology, PT Royal Standard dan PT Office Needs kepada Molucca Holdings S.A.R.L. sebagai kreditur baru.

Nilai gugatan yang diajukan oleh PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya dan Irma Halim secara bersama-sama dalam gugatannya tersebut adalah sebesar Rp1.500.000.000.000 (satu triliun lima ratus miliar Rupiah) yang terdiri dari kerugian materiil sebesar Rp1.000.000.000.000 (satu triliun Rupiah) dan kerugian immateriil sebesar Rp500.000.000.000 (lima ratus miliar Rupiah).

Background:PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya and Irma Halim as co-plaintiffs jointly filed civil claim against the Bank, Molucca Holdings S.A.R.L. and 1 (one) other defendant to the Central Jakarta District Court related to the sale and transfer of the Bank’s receivables as the original creditor of PT Jaya Smart Technology, PT Royal Standard dan PT Office Needs to Molucca Holdings S.A.R.L. as the new creditor.

The value of the claim filed by PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya and Irma Halim amounted to Rp1,500,000,000,000,- (one trillion five hundred billion Rupiah) consisting of material losses of Rp1,000,000,000,000,- (one trillion Rupiah) and immaterial losses of Rp500,000,000,000,- (five hundred billion Rupiah).

Perkara No. 374/Pdt.G/2018/PN.JKT.PSTPada tanggal 13 Juli 2018, PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya dan Irma Halim sebagai para penggugat secara bersama-sama mengajukan gugatan perdata No. 374/Pdt.G/2018/PN.JKT.PST terhadap Bank, Molucca Holdings S.A.R.L. dan 1 (satu) tergugat lainnya ke Pengadilan Negeri Jakarta Pusat terkait penjualan dan pengalihan hak tagih Bank sebagai kreditur asal dari PT Jaya Smart Technology, PT Royal Standard dan PT Office Needs kepada Molucca Holdings S.A.R.L. sebagai kreditur baru.

Pada tanggal 27 September 2018, PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya dan Irma Halim dinyatakan pailit oleh Pengadilan Niaga pada Pengadilan Negeri Jakarta Pusat.

Pada tanggal 18 Juni 2019, kurator dari PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya dan Irma Halim mengajukan permohonan pencabutan keikutsertaan PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya dan Irma Halim dalam perkara perdata No. 374/Pdt.G/2018/PN.Jkt. Pst.

Pada tanggal 2 Juli 2019, Pengadilan Niaga pada Pengailan Negeri Jakarta Pusat mengabulkan permohonan kurator untuk menacbut keikutsertaan PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya dan Irma Halim dalam perkara perdata No. 374/Pdt.G/2018/PN.Jkt.Pst terhadap Bank, Molucca Holdings S.A.R.L. dan 1 (satu) tergugat lainnya sehingga menyisakan PT Office Needs sebagai satu-satunya penggugat.

Pada tanggal 10 Oktober 2019, PT Office Needs mengajukan pencabutan gugatan perdata No. 374/Pdt.G/2018/PN.JKT.PST ke Pengadilan Negeri Jakarta Pusat dan pada tanggal 18 November 2019, Pengadilan Negeri Jakarta Pusat mengabulkan pencabutan gugatan perdata No. 374/Pdt.G/2018/PN.JKT. PST dan dikabulkan oleh Pengadilan Negeri Jakarta Pusat pada tanggal 2 Juli 2019 dan 18 November 2019.

Case No. 374/Pdt.G/2018/PN.JKT.PSTOn 13 July 2018, PT Jaya Smart Technology, PT Royal Standard, PT Office Needs, Untung Sastrawijaya and Irma Halim as co-plaintiffs jointly filed civil claim No.374/Pdt.G/2018/PN. JKT.PST against the Bank, Molucca Holdings S.A.R.L. and 1 (one) other defendant to the Central Jakarta District Court related to the sale and transfer of the Bank’s receivables as the original creditor of PT Jaya Smart Technology, PT Royal Standard dan PT Office Needs to Molucca Holdings S.A.R.L. as the new creditor.

On 27 September 2018, PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya and Irma Halim was declared bankrupt by the Commercial Court at the Central Jakarta District Court.

On June 18, 2019, the appointed curator of PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya and Irma Halim submitted its request to revoke PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya and Irma Halim participation in civil claim No. 374/Pdt.G/2018/PN.Jkt.Pst;

On July 2, 2019, the Commercial Court at the Central Jakarta District Court granted the curator request to revoke PT Jaya Smart Technology, PT Royal Standard, Untung Sastrawijaya and Irma Halim participation in civil claim No. 374/Pdt.G/2018/PN.Jkt.Pst against the Bank, Molucca Holdings S.A.R.L. and 1 (one) other defendants leaving PT Office Needs as the remaining plaintiff.

On 10 October 2019, PT Office Needs submitted the revocation of civil claim No. 374/Pdt.G/2018/PN.JKT.PST to the Central Jakarta District Court and on 18 November 2019, the Central Jakarta District Court approved the revocation of civil claim No. 374/Pdt.G/2018/PN. JKT.PST and approved by the Central Jakarta District Court on 2 July 2019 and 18 November 2019.

Pengaruh terhadap BankSecara material tidak berpengaruh terhadap keadaan keuangan PermataBank.

Impact to the BankThis does not materially affect the financial position of PermataBank.

Perkara Penting Direksi dan Dewan Komisaris Significant Cases for the Board of Directors and Board of Commissioners

Sepanjang tahun 2019, seluruh anggota Direksi dan Dewan Komisaris PermataBank tidak menghadapi perkara penting. Dengan demikian tidak memberikan dampak apapun terhadap PermataBank.

During 2019, all members of the Board of Directors and Board of Commissioners of PermataBank were not involved in significant cases. As such, it did not have any impact on PermataBank.

Perkara Penting Anak Perusahaan Significant Cases for Subsidiary

Sepanjang tahun 2019, anak perusahaan dari PermataBank tidak menghadapi perkara penting. Dengan demikian tidak memberikan dampak apapun terhadap PermataBank.

During 2019, subsidiary of PermataBank was not involved in significant cases. As such, it did not have any impact on PermataBank.

213Main Highlights






PT Bank Permata Tbk


SANKSI ADMINISTRATIFSelama tahun 2019, tidak ada sanksi administratif yang bersifat material yang dikenakan kepada PermataBank.

AKSES INFORMASI DAN DATA PERUSAHAANPermataBank memberikan kemudahan bagi para pemangku kepentingan untuk mengakses berbagai informasi mengenai PermataBank. Di antaranya mengenai produk, layanan, kinerja keuangan, pelaksanaan tata kelola perusahaan, serta informasi umum lainnya yang disediakan dalam dua bahasa, yaitu Bahasa Indonesia dan Bahasa Inggris.

PermataBank juga selalu melakukan pelaporan informasi dan fakta material melalui sistem pelaporan elektronik kepada Otoritas Jasa Keuangan dan Bursa Efek Indonesia. Hal ini dilakukan sebagai bagian dari wujud kepatuhan kepada regulator dan keterbukaan informasi kepada publik.

Hingga berakhirnya tahun buku 2019, saluran informasi terkait dengan PermataBank difasilitasi melalui:

1. Situs web dengan alamat: Web: www.permatabank.com

2. Call Center Telepon: (021) 1500111

3. Email [email protected]

4. Media Sosial Facebook: PermataBank PermataHatiCSR

Twitter PermataBank PermataHatiCSR PermataCare

Instagram @permatabank @permatahatiCSR

ADMINISTRATIVE SANCTIONIn 2019, there was no material administrative sanction subjected to PermataBank.

INFORMATION ACCESS AND CORPORATE DATAPermataBank provides various accessible information for its stakeholders. Among others are products, services, financial performance, good corporate governance, as well as other general information, all of which are presented in two languages, Bahasa Indonesia and English.

As a public listed company and in compliance with regulatory requirement, PermataBank reports all material information and supporting evidences to the Financial Service Authority (OJK) and the Indonesia Stock Exchange through an electronic reporting system.

Until end of financial year 2019, the channels for disseminating information on PermataBank among others are:

1. Website address: Website: www.permatabank.com

2. Call Center Telephone: (021) 1500111

3. Email [email protected]

4. Social Media Facebook: PermataBank PermataHatiCSR

Twitter PermataBank PermataHatiCSR PermataCare

Instagram @permatabank @permatahatiCSR


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Siaran PersPermataBank bertekad untuk memiliki komunikasi yang transparan, bersih, dan otentik dengan pemangku kepentingan eksternal. Sejalan dengan prinsip ini, PermataBank terlibat dengan media secara rutin untuk memastikan bahwa informasi finansial dan non-finansial PermataBank diberikan tepat waktu serta memposisikan PermataBank secara positif dan bahwa informasi yang dipublikasikan mengenai Bank adalah akurat. Pengumuman penghargaan, program, dan peristiwa PermataBank, termasuk publikasi informasi keuangan secara triwulanan, dikomunikasikan secara tepat waktu kepada media khususnya media terkemuka yang memiliki peredaran nasional dan regional. Penjelasan (briefing) dan pertemuan dengan media diadakan setiap triwulanan. Rilis berita didistribusikan ke media dan jasa berita sesuai dengan basis data yang dipelihara oleh PermataBank.

Sejumlah artikel wawancara dengan manajemen senior telah dipublikasikan di media, dengan judul mencakup pencapaian secara finansial, produk jasa finansial dan perkembangan industri perbankan di Indonesia. Pemantauan media online dan cetak dilaksanakan melalui jasa pihak ketiga (outsource) dan laporan peliputan diterima untuk analisis manajemen.

Sebagai hasil dari kerangka kerja keterlibatan media yang terfokus, PermataBank telah disebut dalam 3.861 artikel media atau sekitar Rp129,96 miliar dalam nilai PR (penilaian berdasarkan tarif baris iklan) sampai Desember 2019.

Press Release PermataBank strives to provide clear, transparent, and accurate information to its stakeholders. In line with this principle, PermataBank also engages with the media to ensure that PermataBank’s financial and non-financial information is disseminated in a timely manner and that PermataBank is positioned favourably and all information published on the Bank is accurate. Publication of corporate achievements, programs and events, including the release of financial information on a quarterly basis, is communicated in a timely manner to the media, in particular the prominent media outlets with both national and regional coverage. This includes responding to queries from the media. News releases are distributed to the media as per media database maintained by PermataBank.

A number of interviews with senior management resulted in articles being published in the media, with subjects covering financial performance, financial services products and developments in the Indonesian banking industry. Print and online media monitoring is outsourced and reports of coverage are received for further analysis by the team.

As a result of its focused media engagement framework, PermataBank was mentioned in 3.861 media articles or the equivalent of approximately Rp129,96 billion in PR value (valued in terms of advertising space rate) until December 2019.

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Siaran Pers 2019

No TanggalDate

Siaran PersPress Release

1 12 Januari 12 January

PermataBank Konsisten Lakukan Literasi Keuangan 300 Employee Volunteer lakukan CSR di Desa Srowolan

PermataBank Consistently Implements Financial Literacy300 Employee Volunteers carry out CSR in Srowolan Village

2 25 Januari25 January

PermataMobile X,Satu-satunya Super App untuk mobile banking saat ini!

PermataMobile X,Currently the only Super App for mobile banking!

3 21 Februari21 February

PermataBank tutup tahun 2018 dengan pertumbuhan kinerja yang positifBukukan Laba Bersih Rp901 Miliar, tumbuh 20% (yoy)

PermataBank ended 2018 with positive growth performanceBooked Rp901 Billion in Net Profit, growing by 20% (yoy)

4 22 Februari22 February

Bepergian Tanpa Batas Dengan AirAsia Debit Card & AirAsia Platinum Credit Card dari PermataBank

Unlimited Travels With AirAsia Debit Card & AirAsia Platinum Credit Card from PermataBank

5 15 Maret15 March

Astra Finansial menajdi Sponsor Utama GIIAS 2019

Astra Financial becomes the Main Sponsor of GIIAS 2019

6 19 Maret 19 March

PermataYouthPreneur Rangkul 130 Siswa Calon Startup Digital Inspiratif“Inovasi Financial Technology Menuju Industri 4.0”

Event: Pembukaan Program CSR PermataHati PermataYouthPreneur 2019

PermataYouthPreneur Take Up 130 Students as Potential Inspirational Digital Startups“Financial Technology Innovation Towards Industry 4.0”

Event:Opening of PermataHati CSR Program PermataYouthPreneur 2019

7 28 Maret28 March

#BicaraUang Creator Fest 2019 Kembali Digelar Oleh PermataBank Untuk Wadahi Generasi Millenial Mengekspresikan Makna Uang Melalui Karya Seni#BicaraUang Creartor Fest 2019 melibatkan para penggiat seni ternama di Indonesia dalam programnya agar dapat menjadi media pembelajaran #BicaraUang yang efektif, kreatif, dan relevan bagi para partisipannya.

#BicaraUang Creator Fest 2019 Held Again by PermataBank to Facilitate the Millennial Generation to Expres the Meaning of Money Through Artworks#BicaraUang Creator Fest 2019 involves well-known art activists in Indonesia in order to become an effective, creative, and relevant learning medium for #BicaraUang for participants.

8 23 April23 April

Hasil RUPST PermataBank dan Kinerja Q1 2019 menunjukkan pertumbuhan yang kuat dalam Laba Operasional, Kualitas Kredit dan Digital Leadership

The results of PermataBank AGM and Q1 2019 Performance showed strong growth in Operating Profit,Credit Quality and Digital Leadership

9 29 April29 April

PermataYouthPreneur 2019 Hasilkan Generasi Startup Digital Inspiratif“Inovasi Financial Technology Menuju Industri 4.0”

Event:Acara Inagurasi kelulusan siswa peserta Program CSR PermataHati PermataYouthPreneur 2019

PermataYouthPreneur 2019Generate Inspirational Digital Startups“Financial Technology Innovation Towards Industry 4.0”

Event:The Graduation Ceremony of students participating in PermataHati CSR Program PermataYouthPreneur 2019

Press Release 2019


PT Bank Permata Tbk


216


No TanggalDate


10 17 Juli17 July

Beri Kemudahan Dan Kejutan Cashback Untuk Pelanggan, Larissa Aesthetic Center Jalin Kolaborasi Bersama PermataBank

Giving Convenience and Surprise Cashback to Customers,Larissa Aesthetic Center Collaborates with PermataBank

11 29 Juli29 July

PermataBank Bukukan Lebih dari Dua Kali Lipat Laba Bersih di Semester 1 menjadi Rp711 MiliarPeningkatan kualitas aset untuk mendukung transformasi digital

PermataBank More Than Doubled its Net Profit in Semester 1 to Rp711 BillionImproved asset quality to support digital transformation

12 30 Juli 30 July

PermataBank Jalin Sinergi dengan GE HealthcareBerikan Layanan Distributor Financing

PermataBank Establishes Synergy with GE HealthcareProvides Distributor Financing Services

13 14 Agustus14 August

27 Kreator Muda dan Inovatif #BicaraUang di Creator Fest 2019

27 Young and Innovative Creators #BicaraUangat the 2019 Creator Fest


PermataBank dan Ciputra Group Perkuat Jalinan SinergiBerikan Fasilitas Pembiayaan KPR, KPRuko dan KPA di Proyek PropertiCitra Aeroworld 8 CitraGarden City, Citra Living, CitraLake Suites, Citra Sentul Raya

PermataBank and Ciputra Group Strengthen Synergy Providing KPR, KPRuko and KPA Financing Facilities in Property ProjectsCitra Aeroworld 8 CitraGarden City, Citra Living, CitraLake Suites, Citra Sentul Raya


“Beyond Banking” Jadi Fokus Tahun Ini Banking Journalist Academy (BJA) memasuki tahun ke-7

“Beyond Banking” is the Focus for This YearThe Banking Journalist Academy (BJA) enters its 7th year

16 10 September10 September

PermataBank Menghadirkan PermataMobile X untuk Shariah Banking, The First Shariah Mobile Banking Super AppPendukung Aktivitas Perbankan Masyarakat Urban yang Sesuai Dengan #PilihanHati

PermataBank Presents PermataMobile X for Shariah Banking, The First Shariah Mobile Banking Super AppSupporting Urban Community Banking Activities in Accordance with #PilihanHati


Pertama Hadir Di Surabaya,Wealth Wisdom PermataBank Sebarkan Konsep Mindfulness Untuk Gapai Esensi Kaya yang Lebih Bermakna

First in Surabaya,PermataBank’s Wealth Wisdom Spreading the Concept of Mindfulness to Arrive at the Essence of a More Meaningful Richness


PermataBank Meluncurkan Model Branch Berikan Pengalaman Online-Offline yang Konsisten bagi Nasabah

PermataBank Launches the Model BranchProvide Consistent Online-Offline Experience for Customers

19 1 Oktober1 October

Employee Volunteer PermataBank Menebar Edukasi Literasi Keuangan Serentak di 50 Kota melalui CERITA Turut mendukung Bulan Inklusi Keuangan pada hari jadinya ke-17

PermataBank Employee Volunteer Spreads Simultaneous Financial Literacy Education in 50 Cities through CERITAAlso in support of the Financial Inclusion Month on its 17th anniversary


PermataBank mendukung Perempuan Penggiat EkonomiMenjangkau nasabah untuk memberdayakan masyarakat, melalui kemitraan strategis di sektor UKM

PermataBank supports Female Economic ActivistsReaching out to customers to empower the community, through strategic partnerships in the SME sector


Sukses di Jakarta & Surabaya, Astra Financial Kembali Dukung dan TawarkanBerbagai Program Menarik Pada GIIAS Medan 2019

Success in Jakarta & Surabaya, Astra Financial Again Supports and Offers Various Interesting Programs at 2019 Medan GIIAS

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No TanggalDate



Kinerja PermataBank Terus Menguat di Kuartal KetigaLaba Bersih Naik 121% dan NPL lebih terkendali

PermataBank’s Performance Continues to Strengthen in the Third QuarterNet profit increases 121% and NPL is under control

23 7 November7 November

Unite for Education Sustainability Forum 2019:Komitmen PermataBank Ciptakan Ekosistem Untuk Memajukan Pendidikan

Unite for Education Sustainability Forum 2019:PermataBank’s Commitment to Create An Ecosystem for Improving the Education

24 3 Desember3 December

PermataBank Perkuat Komitmen Dukung Kesetaraan Penyandang Disabilitas di IndonesiaTurut memperingati Hari Disabilitas Internasional bersama binaan CSR PermataBRAVE, program edukasi dan pemberdayaan bagi penyandang disabilitas

PermataBank Strengthens Commitment to Support Equality of Persons with Disabilities in IndonesiaCommemorating the International Disability Day together with participants of PermataBRAVE CSR program, an education and empowerment program for people with disabilities


PermataBank Paparkan Indonesia Economic Outlook 2020“Maintaining Resilience Amidst Global Uncertainty

PermataBank Exposes Indonesia Economic Outlook 2020“Maintaining Resilience Amidst Global Uncertainty


PermataBankir Cilik Graduation: Siap Perluas Literasi Keuangan Lewat Karya Digital Duta Menabung36 peserta dari 8 sekolah dilantik menjadi Duta Menabung untuk sebarkan literasi keuangan dan kebiasaan menabung sejak dini

PermataBankir Cilik Graduation: Ready to Expand Financial Literacy through Digital Works of Savings Ambassador36 participants from 8 schools were appointed as Savings Ambassadors to spread financial literacy and instill a saving habit from early on


PermataBank Menyambut Baik Pengumuman Atas Pembelian Saham oleh Bangkok Bank

PermataBank Welcomes the Announcement of Signing ofBangkok Bank’s Share Acquisition


PermataBank Luncurkan PermataKPR iB Bijak: The First Shariah Mortgage with Easy Installment Feature in Indonesia

“Angsuran yang Lebih Ringan”

PermataBank Launched PermataKPR iB Bijak:The First Shariah Mortgage with Easy Installment Feature in Indonesia

“Easier Installment”


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KODE ETIKSebagai bentuk komitmen dalam menjalankan usaha seusai dengan prinsip-prinsip tata kelola perusahaan yang baik (Good Corporate Governance-GCG), PermataBank menerapkan standar etika bagi semua karyawan. Standar tersebut tertuang dalam dokumen Kode Etik Perilaku Karyawan (Code of Conduct), yang disepakati dan ditandatangani oleh seluruh karyawan.

Unit terkait Kode EtikKode Etik Perilaku Karyawan di PermataBank merupakan standard etika yang harus dilakukan oleh seluruh karyawan. Pemantauan atas penerapan Kode Etik Perilaku Karyawan termasuk proses sosialisasi kebijakan kepada seluruh karyawan dilakukan oleh Compliance dan HR dalam hal pengenaan sanksi apabila terjadi pelanggaran Kode Etik.

Keberadaan Kode Etik Perilaku KaryawanKode Etik Perilaku Karyawan adalah panduan bagi karyawan PermataBank dalam bersikap dan bertingkah laku sesuai dengan prinsip-prinsip moral atau nilai-nilai kebaikan dan kebenaran. Keberadaan Kode Etik Perilaku Karyawan diharapkan dapat menjadi panduan bagi karyawan untuk selalu bersikap hati-hati, cermat, dan cerdas saat menghadapi hal-hal yang berpotensi menimbulkan risiko yang dapat merugikan PermataBank.

Pokok-Pokok Isi Kode Etik Perilaku KaryawanKode Etik Perilaku Karyawan PermataBank berisikan etika perilaku karyawan untuk:• Mematuhi peraturan internal PermataBank, peraturan Bank

Indonesia dan Otoritas Jasa Keuangan dan peraturan perundangan lainnya yang berlaku.

• Menolak penyuapan dan korupsi.• Menghindari berkompromi karena hadiah dan hiburan.• Speak Up.• Mencegah pencucian uang dan fraud.• Menghindari benturan kepentingan.• Tidak bertransaksi ketika memiliki insider information.

• Tidak melakukan mis-sell atau misrepresent produk dan jasa PermataBank.

• Cepat dan tanggap dalam menangani keluhan nasabah.

• Menjaga kerahasiaan dan perlindungan informasi dan data.

CODE OF CONDUCTAs part of the Bank’s commitment to operate its business based on the principles of Good Corporate Governance, PermataBank applies ethical standards for all employees. This standard is explained in the Code of Conduct document, in which all are agreed and signed by the employees.

Code of Conduct related UnitsThe Code of Conduct is an ethical standard for all employees. Monitoring for its implementation including socialization of policy is performed by Compliance and HR in terms of imposition of sanction/punishment when the breach of code of conduct occurred.

Code of Conduct The Code of Conduct is a guide for PermataBank’s employees concerning how to act and behave based on moral principles or values of goodness and truth. With the existence of the Code of Conduct, PermataBank employees are expected to always be cautious when faced with situations that could potentially pose risks to PermataBank.

PermataBank’s Code of Conduct Contents PermataBank’s Employee Code of Conduct consists of the following ethical behaviors for employees:• Comply with PermataBank’s internal policies, Bank Indonesia

and Financial Services Authority regulations, and other applicable laws and regulations.

• Reject bribery and corruption.• Avoid being compromised by gifts and entertainment.• Speak Up.• Prevent money laundering and fraud.• Avoid any Conflicts of Interest.• Not conducting any transactions when obtaining insider

information.• Not conducting a mis-sell or misrepresent PermataBank’s

products and services.• Being prompt and perceptive in handling customer’s

complaints.• Maintain confidentiality and protection of information and

data.

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• Memperlakukan karyawan dengan adil.• Terbuka dan jujur kepada para regulator.• Sikap dan perilaku.• Penggunaan peralatan dan fasilitas PermataBank.• Aktivitas berpolitik.

Pernyataan Kode Etik Kode Etik Perilaku Karyawan berlaku untuk seluruh karyawan PermataBank. Kode Etik ini menjadi acuan bagi seluruh karyawan PermataBank dalam melakukan tugasnya agar senantiasa berada dalam koridor GCG, untuk mencapai target-target yang telah ditetapkan.

Penyebaran Kode Etik dan Upaya PenegakannyaUntuk menanamkan dan membudayakan nilai-nilai positif Kode Etik, PermataBank melakukan sejumlah inisiatif sebagai berikut: 1. Manajemen menambahkan Values PermataBank yang

baru yakni Integrity sehingga Values PermataBank berubah menjadi I-PRICE yang merupakan singkatan dari Integrity, Partnership, Responsiveness, Innovation, Caring & Excellence. Hal ini dilakukan untuk secara eksplisit menyatakan tata nilai utama yang harus dipegang teguh dan senantiasa diterapkan di PermataBank adalah Integritas.

2. Menerbitkan Kebijakan Benturan Kepentingan untuk melengkapi pelaksanaan salah satu Kode Etik Perilaku Karyawan yakni Menghindari Benturan Kepentingan.

3. Melakukan review terhadap Kebijakan Pemberian Hadiah dan Jamuan.

4. Melakukan sosialisasi/refreshment internal perihal:• Kode Etik Perilaku Karyawan.• Kebijakan Pemberian Hadiah dan Jamuan.• Kebijakan Benturan Kepentingan.• Kebijakan dan Prosedur Speak-Up.

5. Menyelenggarakan serangkaian program internal untuk meningkatkan Budaya Kepatuhan termasuk meningkatkan awareness terhadap Kode Etik Perilaku Karyawan:• Desktop Wallpaper dan Director’s Message terkait

Kebijakan Pemberian Hadiah dan Jamuan (pada saat mendekati perayaan keagamaan).

• Director’s Message terkait Kebijakan Pemberian Hadiah dan Jamuan (umum, misalnya dalam penerimaan undangan).

• Treat staff fairly.• Be open and honest with regulators.• Attitude and behavior.• Use of PermataBank’s equipment and facilities.• Political activities.

Code of Conduct Statement The Employee Code of Conduct is applicable to all PermataBank employees. The Code of Conduct is a reference for all PermataBank employees in conducting their duties so they will remain within the GCG corridor, to achieve the set targets.

Dissemination of Code of Conduct and Enforcement EffortsTo embed and promote the positive values of the Code of Conduct, PermataBank has conducted several initiatives as follows:1. Management added Integrity to PermataBank’s Values,

hence the Bank’s Values has changed to I-PRICE (Integrity, Partnership, Responsiveness, Innovation, Caring and Excellence). This is stated explicitly so that Integrity becomes the main value to be applied and held consistently.

2. Published the Conflict of Interest Policy to complete the implementation of Employee Code of Conduct concerning Avoiding any Conflict of Interest.

3. Reviewed the Gift and Entertainment Policy.

4. Conducted socialization or refreshment on:• Employee Code of Conduct.• Gift and Entertainment Policy.• Conflict of Interest Policy. • Speak-Up Policy and Procedure.

5. Held internal programs to improve the Compliance Culture including the awareness of Employee Code of Conduct, including:• Desktop Wallpaper and Director’s Message regarding Gift

and Entertainment Policy (particularly ahead of festive seasons).

• Director’s Message regarding Gift and Entertainment Policy (in general, including when receiving an invitation).


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• Desktop Wallpaper dan Director’s Message terkait Kebijakan Speak-Up.

• Desktop Wallpaper terkait dengan Kode Etik Perilaku Karyawan (Menghindari Berkompromi karena Hadiah dan Hiburan).

• Komik Code of Conduct Series perihal Menghindari Berkompromi karena Hadiah dan Hiburan.

6. Mewajibkan karyawan untuk mengikuti e-learning Kode Etik dan e-learning Budaya Kepatuhan serta melakukan refreshment e-learning tersebut setiap tahun. Sejak Mei 2019 karyawan juga diwajibkan untuk menyelesaikan e-learning perihal Kebijakan Benturan Kepentingan.

7. Ethics Compliance Officer memberikan support atas permintaan advis dari seluruh unit di PermataBank terkait Kode Etik di antaranya mengenai Speak-Up dan Pemberian Hadiah dan Jamuan, termasuk memberikan persetujuan apabila diperlukan.

8. Speak Up Administrator melakukan monitor atas jalur Speak-up (email, telepon/SMS serta PO Box), melakukan administrasi dan memastikan terlaksananya tindak lanjut yang diperlukan atas laporan Speak-Up karyawan.

Untuk mendapatkan advis terkait dengan etika dan integritas, unit kepatuhan PermataBank menyediakan jalur khusus untuk penyampaian pertanyaan dan permintaan melalui email maupun telepon untuk diteruskan kepada Ethics Compliance Officer. Khusus untuk pelaporan Speak-Up, dapat langsung disampaikan melalui jalur Speak-Up yang disediakan, sebagai berikut:Email: [email protected]/SMS: +628112937133PO Box: 4890 JKTM 12700

Sanksi bagi Pelanggar Kode Etik

Karyawan yang melakukan pelanggaran kode etik akan dikenakan sanksi sesuai dengan jenis pelanggaran yang dilakukan. Sanksi dapat berupa Surat Teguran (Lisan/Tertulis), Surat Peringatan 1, Surat Peringatan 2, Surat Peringatan 3, Pemutusan Hubungan Kerja.

• Wallpaper and Director’s Message regarding the Speak-Up Policy.

• Desktop Wallpaper regarding Employee Code of Conduct (avoid being compromised by gifts and entertainment).

• Comic series of the Employee Code of Conduct (avoid being compromised by gifts and entertainment).

6. Required all employees to join e-learning regarding the Code of Conduct and Compliance Culture, and conducted annual refreshment. Since May 2019, employee.

7. Ethics Compliance Officer provided support for any advice requests related to the Code of Conduct from all units in PermataBank, such as Speak-Up and Gift and Entertainment, and provided approval if required.

8. Monitored the Speak-Up channel (email, call/SMS, and PO Box), filled in the administration process, and ensured that there would be proper follow-up of Speak-Up reports.

To obtain advice regarding ethics and integrity, compliance unit in PermataBank has been provided with special tools to send questions and requests by email or phone calls, which will be forwarded to the Ethics Compliance Officer. Reports from Speak-Up will be directly delivered through these channels:

Email: [email protected] Call/SMS: +628112937133 PO Box: 4890 JKTM 12700

Sanction/Punishment for Employee Who Breach the Code of ConductEmployee who breach the code of conduct will be imposed by sanction / punishment according to the type of violation. Sanction / punishment could be in form of reprimand letter; warning letter level 1, warning letter level 2 and warning letter level 3; and termination.

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Jumlah sanksi bagi pelanggar Kode Etik selama tahun 2019 adalah sebagai berikut:

No. Jenis SanksiType of Sanction/Punishment

Jumlah Sanksi yang Diberikan Tahun 2019 Sanction/Punishment in 2019

1 PHK | Termination 19

2 SP3 | Warning Letter 3 6



5 Surat Teguran | Reprimand Letter 21

Jumlah | Total 106

Kode Etik untuk Dewan Komisaris, Direksi dan Organ PendukungSebagai upaya untuk senantiasa menerapkan prinsip-prinsip tata kelola perusahaan yang baik dan kepatuhan terhadap peraturan yang berlaku, PermataBank telah memiliki Kode Etik untuk Dewan Komisaris, Direksi dan Organ Pendukung.

Kebijakan ini antara lain memuat:1. Kode Etik Anggota Dewan Komisaris dan Direksi:

• Etika berkaitan dengan Keteladanan.• Etika berkaitan dengan Kepatuhan terhadap Peraturan

Perundang-undangan.• Etika berkaitan dengan Keterbukaan dan Kerahasiaan

Informasi.• Etika berkaitan dengan Peluang.• Etika berkaitan dengan Benturan Kepentingan, di mana

anggota Dewan Komisaris dan Direksi wajib bersikap profesional.

• Etika Menghindari Berkompromi karena Hadiah dan Hiburan (Entertainment).

• Etika Berkaitan dengan Insider Information.• Etika berkaitan dengan Penyuapan dan Korupsi.• Etika berkaitan dengan Pencegahan Pencucian Uang.• Etika untuk Memperlakukan Karyawan dengan Adil.• Etika Berkaitan dengan Aktivitas Berpolitik, dan lain-lain.

2. Kode Etik untuk Organ Pendukung Kebijakan Kode Etik untuk Dewan Komisaris, Direksi dan

Organ Pendukung terakhir diperbarui pada tahun 2019.

Number of sanction/punishment for employee who breach the Code of Conduct in 2019 as follows:

Code of Ethics for the Board of Commissioners, the Board of Directors and Organ SupportingAs continuous efforts to implement good corporate governance principle and to comply with prevailing regulations, PermataBank has Code of Ethics for the Board of Commissioners, the Board of Directors and Organ Supporting.

This policy which consists of:1. Code of Ethics for the Board of Commissioners and the Board

of Directors:• Model Ethics.• Ethics related to Compliance with laws and regulations.

• Ethics related to Transparency and Confidentiality of Information.

• Ethics related to Opportunity.• Ethics related to Conflict of Interest, whereas member

of the Board of Commissioners and Board of Directors required acting professionally.

• Ethics related to Avoid Compromise due to Gift and Entertainment.

• Ethics related to Insider Information.• Ethics related to Bribery and Corruption.• Ethics related to Prevention on Money Laundering.• Ethics to Treat Employees Fairly.• Ethics related to Political Activity, etc.

2. Code of Ethics for Organ Supporting Policy on Code of Ethics for the Board of Commissioners, the Board

of Directors and Organ Supporting last amendment was on 2019.


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BUDAYA PERUSAHAANBudaya Kerja PermataBank adalah cara berperilaku dalam kehidupan bekerja bagi setiap karyawan PermataBank yang didasari oleh seperangkat nilai yang harus ditanamkan dan dijalankan oleh setiap karyawan selama berkarya di PermataBank.

Nilai-nilai Budaya PermataBank adalah:

CORPORATE CULTUREPermataBank’s corporate culture is a way of behaving at work for every PermataBank employee; based on the set of values that must be practiced and carried out by each employee during his/her service in PermataBank.

Corporate Culture of PermataBank are:

Kita bekerja dengan mengutamakan kejujuran dan prinsip kehati-hatian, sesuai dengan kode etik perusahaan.

We uphold trustworthiness and work in accordance with the company’s code of ethics and prudent principles.

Integrity

Kita saling memahami dan bersama-sama membangun hubungan yang kokoh dengan pihak internal dan eksternal berlandaskan rasa saling menghormati.

We understand each other and build strong relationships based on mutual respect internally and externally.

Partnership

Kita bekerja dengan cepat, akurat, dan efektif dalam memberikan layanan yang terbaik dan tepat waktu.

We work quickly, accurately, and effectively to deliver prompt service.

Responsiveness

Kita selalu berpikir inovatif untuk meningkatkan cara kita bekerja, membuatnya lebih mudah, lebih baik, dan lebih cepat.

We continuously think out of the box to improve the way we work, making it simpler, better and faster.

Innovation

Kita menaruh perhatian dan menghargai nasabah, rekan kerja, masyarakat, investor, dan regulator.

We are attentive and respect our customers, colleagues, communities, investors, and regulators.

Caring

Kita memberikan layanan prima kepada nasabah dan menghasilkan kinerja yang optimal dalam pekerjaan sehari-hari.

We deliver service excellence to our customers and drive optimal performance in our day to day job.

Excellence

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PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN/ATAU MANAJEMEN

Share OptionsShare options adalah opsi untuk membeli saham oleh anggota Dewan Komisaris, Direksi dan Pejabat Eksekutif yang dilakukan melalui penawaran saham atau penawaran opsi saham dalam rangka pemberian kompensasi yang telah diputuskan dalam RUPS dan/atau Anggaran Dasar PermataBank. Sampai dengan 31 Desember 2019, tidak ada share options yang diberikan PermataBank kepada Dewan Komisaris, Direksi maupun Pejabat Eksekutif.

Program Employee Stocks OptionProgram Employee Stock Options adalah program kepemilikan saham oleh karyawan. Melalui program tersebut, karyawan memiliki hak untuk membeli saham PermataBank pada tanggal yang telah ditentukan dan pada harga yang telah ditentukan. Sampai dengan 31 Desember 2019, tidak ada employee stock options program yang diberikan PermataBank kepada karyawan.

EMPLOYEES AND/OR MANAGEMENT SHARE OPTION PROGRAM

Share Options Share options is option to buy shares by the Board of Commissioners, Board of Directors and Executive officer through shares offering or share options offering in the event of compensation granting as decided in the GMS and/or Articles of Association of PermataBank. As of 31 December 2019, there are no share options granted by PermataBank to Board of Commissioners, Board of Directors or Executive Officer.

Employee Stock Option Program Employee Stock Option Program is a share ownership program by employees. Through the program, employee has right to purchase or buy PermataBank’s shares on the scheduled date and at a pre-determined price. As of 31 December 2019, there is no employee stock options program granted by ermataBank to employees.


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PEDOMAN TATA KELOLA PERUSAHAAN TERBUKA

Pedoman Tata Kelola Perusahaan TerbukaCorporate Governance Guideline of Public Company

Penerapan di PermataBankThe Implementation in PermataBank

A. HUBUNGAN PERUSAHAAN TERBUKA DENGAN PEMEGANG SAHAM DALAM MENJAMIN HAK-HAK PEMEGANG SAHAMRELATIONSHIP OF PUBLIC COMPANY WITH THE SHAREHOLDERS IN ENSURING THE SHAREHOLDERS’ RIGHTS

Prinsip 1 | Principle 1 Meningkatkan Nilai Penyelenggaraan Rapat Umum Pemegang Saham (RUPS)

Improving the Value of General Meeting of Shareholders (GMS)

1.1 Perusahaan Terbuka memiliki cara atau prosedur teknis pengumpulan suara (voting) baik secara terbuka maupun tertutup yang mengedepankan independensi, dan kepentingan pemegang saham.

Public company has technical procedures for opened or closed voting that promote independency and shareholders’ interest.

PermataBank telah memenuhi pedoman ini, di antaranya:- Pasal 16 dari Anggaran Dasar.- Dalam Tata Tertib Rapat Umum Pemegang Saham, terdapat ketentuan

mengenai voting.PermataBank has complied with the requirement, by having the following provisions:- Article 16 of the Articles of Association.- The Rules in convening General Meeting of Shareholders has stipulated the

voting rights.

1.2 Seluruh anggota Direksi dan anggota Dewan Komisaris Perusahaan Terbuka hadir dalam RUPS Tahunan.

All members of the Board of Directors and Board of Commissioners are present at Annual GMS.

PermataBank telah memenuhi pedoman ini. Seluruh anggota Direksi dan Dewan Komisaris hadir dalam RUPS Tahunan 2019.PermataBank has complied with the requirement. All members of the Board of Directors and the Board of Commissioners were present at Annual GMS year 2019.

1.3 Ringkasan risalah RUPS tersedia dalam Situs Web Perusahaan Terbuka paling sedikit selama 1 (satu) tahun.

Summary of GMS Minutes is available on public company’s website by no less than 1 (one) year.

PermataBank telah memenuhi pedoman ini. PermataBank has complied with the requirement.

Prinsip 2 | Principle 2 Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.

Improving Communication Quality of Public Company with Shareholders or Investors

2.1 Perusahaan Terbuka memiliki suatu kebijakan komunikasi dengan pemegang saham atau investor.

Public Company has a communication policy with shareholders or investors.

PermataBank telah memenuhi pedoman ini, sebagaimana terdapat dalam Kebijakan Komunikasi Pemegang Saham dan Investor.PermataBank has complied with the requirement, as stipulated in the Shareholders and Investors Communication Policy.

2.2 Perusahaan Terbuka mengungkapkan kebijakan komunikasi Perusahaan Terbuka dengan pemegang saham atau investor dalam Situs Web.

Public company discloses its communication policy with shareholders or investors in Website.


B. FUNGSI DAN PERAN DEWAN KOMISARIS THE BOARD OF COMMISSIONERS’ FUNCTION AND ROLE

Prinsip 3 | Principle 3Memperkuat Keanggotaan dan Komposisi Dewan Komisaris

Strengthening the Membership and Composition of Board of Commissioners

3.1 Penentuan jumlah anggota Dewan Komisaris mempertimbangkan kondisi Perusahaan Terbuka.

Determination of number of the Board of Commissioners members shall consider the condition of the Public Company.

PermataBank telah memenuhi pedoman ini, sebagaimana terdapat dalam Board Manual. PermataBank has complied with the requirement, as stipulated in the Board Manual.

3.2 Penentuan komposisi anggota Dewan Komisaris memperhatikan keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan.

Determination of composition of the Board of Commissioners members considers the variety of expertise, knowledge and experiences required.


CORPORATE GOVERNANCE GUIDELINES FOR PUBLIC COMPANIES

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Prinsip 4 | Principle 4 Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.

Improving the Quality of Job and Responsibility Performance of Board of Commissioners

4.1 Dewan Komisaris mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris.

The Board of Commissioners has self assessment policy to assess the performance of the Board of Commissioners.

Kebijakan penilaian sendiri (self assessment) Dewan Komisaris dalam proses penyusunan dan persetujuan.The Board of Commissioners self assessment policy was in arrangement and approval process.

4.2 Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Dewan Komisaris, diungkapkan melalui Laporan Tahunan Perusahaan Terbuka.

Self-assessment policy to assess the performance of the Board of Commissioners is disclosed in Annual Report of Public Company.

Kebijakan penilaian sendiri (self assessment) Dewan Komisaris dalam proses penyusunan dan persetujuan.The Board of Commissioners self assessment policy was in arrangement and approval process.

4.3 Dewan Komisaris mempunyai kebijakan terkait pengunduran diri anggota Dewan Komisaris apabila terlibat dalam kejahatan keuangan.

The Board of Commissioners has a policy with respect to the resignation of the Board of Commissioners members if such member involved in financial crime.

Kebijakan pengunduran diri anggota Dewan Komisaris bila terlibat dalam kejahatan keuangan dalam proses penyusunan dan persetujuan.The Board of Commissioners’ policy with respect to the resignation of the Board of Commissioners members if such member involved in financial crime was in a process of arrangement and approval.

4.4 Dewan Komisaris atau Komite yang menjalankan fungsi Nominasi dan Remunerasi menyusun kebijakan suksesi dalam proses Nominasi anggota Direksi.

The Board of Commissioners or Committee that conducts Nomination and Remuneration function shall arrange succession policy in Nomination process of the Board of Directors members.

PermataBank telah memenuhi pedoman ini. PermataBank telah memiliki Kebijakan Suksesi Direksi.PermataBank has complied with the requirement. PermataBank has succession policy for the Board of Directors members.

C. FUNGSI DAN PERAN DIREKSITHE BOARD OF DIRECTORS’ FUNCTION AND ROLE

Prinsip 5 | Principle 5Memperkuat Keanggotaan dan Komposisi Direksi

Strengthening the Membership and Composition of the Board of Directors

5.1 Penentuan jumlah anggota Direksi mempertimbangkan kondisi Perusahaan Terbuka serta efektivitas dalam pengambilan keputusan.

Determination of number of the Board of Directors members considers the condition of the Public Company and the effectiveness of decision-making.


5.2 Penentuan komposisi anggota Direksi memperhatikan, keberagaman keahlian, pengetahuan, dan pengalaman yang dibutuhkan.

Determination of composition of the Board of Directors members considers the variety of expertise, knowledge and experience required.


5.3 Anggota Direksi yang membawahi bidang akuntansi atau keuangan memiliki keahlian dan/atau pengetahuan di bidang akuntansi.

Member of the Board of Directors who is liable for accounting or finance has accounting expertise and/or knowledge.


Prinsip 6 | Principle 6Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab DireksiImproving the Quality of Job and Responsibility Performance of Board of Directors

6.1 Direksi mempunyai kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi.

The Board of Directors has self-assessment policy to assess performance of Board of Directors.

Direksi memiliki mekanisme penilaian sendiri, antara lain melalui Key Performance Indicator (KPI) dan Performance Appraisal (PA) tengah dan akhir tahun.The Board of Directors has mechanism of self assessment, among others through Key Performance Indicator (KPI) and Mid Year and Year End Performance Appraisal (PA).

6.2 Kebijakan penilaian sendiri (self assessment) untuk menilai kinerja Direksi diungkapkan melalui Laporan Tahunan Perusahaan Terbuka.

Self-assessment policy to assess the performance of the Board of Directors is disclosed in the Annual Report of the Public Company.

Tidak terdapat keterbukaan terkait kebijakan penilaian sendiri oleh Direksi, namun demikian terdapat pengungkapan mengenai Penilaian Direksi dan Kebijakan Remunerasi Direksi dalam Laporan Tahunan.No disclosure on self assessment policy to assess the performance of the Board of Directors, however, there is Board of Directors Assessment and Board of Directors Remuneration Policy section in the Annual Report.

6.3 Direksi mempunyai kebijakan terkait pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan.

The Board of Directors has a policy related to resignation of the Board of Directors members if involved in financial crime.

Kebijakan pengunduran diri anggota Direksi apabila terlibat dalam kejahatan keuangan dalam proses penyusunan dan persetujuan.The policy with respect to the resignation of the Board of Directors members if such member involved in financial crime was in a process of preparation and approval.


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D. PARTISIPASI PEMANGKU KEPENTINGAN PARTICIPATION OF STAKEHOLDERS

Prinsip 7 | Principle 7Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan

Improving Corporate Governance Aspect Through Participation of Stakeholders

7.1 Perusahaan Terbuka memiliki kebijakan untuk mencegah terjadinya insider trading.

Public Company has a policy to prevent insider trading.

PermataBank telah memenuhi pedoman ini, melalui kebijakan sebagai berikut:- Kode Etik Karyawan.- Kebijakan Perdagangan Saham PT Bank Permata Tbk oleh Anggota Dewan

Komisaris dan Direksi.PermataBank has complied with the requirement, by having the following policies:- Employees Code of Conduct.- Policy on Trading of Shares of PT Bank Permata Tbk by member of the Board of

Commissioners and the Board of Directors.

7.2 Perusahaan Terbuka memiliki kebijakan anti korupsi dan anti fraud. Public Company has anti corruption and anti fraud policy.

PermataBank telah memenuhi pedoman ini, melalui kebijakan sebagai berikut:- Kebijakan Fraud Risk Management.- Kode Etik Karyawan.- Kebijakan Pemberian Hadiah dan Jamuan.- Kebijakan Benturan Kepentingan.PermataBank has complied with the requirement, by having the following policies:- Fraud Risk Management Policy.- Employees Code of Conduct.- Gift and Entertainment Policy.- Conflict of Interest Policy.

7.3 Perusahaan Terbuka memiliki kebijakan tentang seleksi dan peningkatan kemampuan pemasok atau vendor.

Public Company has policies concerning selection and capability improvement of suppliers and vendors.

PermataBank telah memenuhi pedoman ini, melalui kebijakan sebagai berikut:- Kebijakan Vendor Manajemen.- Kode Etik Procurement.- Kebijakan Procurement.PermataBank has complied with the requirement, by having the following policies:- Vendor Management Policy.- Procurement Code of Conduct.- Procurement Policy.

7.4 Perusahaan Terbuka memiliki kebijakan tentang pemenuhan hak-hak kreditur.

Public Company has a policy concerning the fulfillment of creditor’s right.

Hak-hak masing-masing kreditur telah diatur dalam perjanjian antara PermataBank dan Kreditur tersebut. Each creditor’s rights have been stipulated in the agreement between PermataBank and such creditor.

7.5 Perusahaan Terbuka memiliki kebijakan sistem whistleblowing. Public Company has a policy of whistleblowing system.

PermataBank telah memenuhi pedoman ini, melalui kebijakan:- Kebijakan Speak Up.PermataBank has complied with the requirement, by having the following policy:- Speak Up Policy.

7.6 Perusahaan Terbuka memiliki kebijakan pemberian insentif jangka panjang kepada Direksi dan karyawan.

Public Company has long-term incentive policy for the Board of Directors and Employees.

Bank telah memiliki kebijakan pemberian insentif jangka panjang baik kepada Direksi maupun Karyawan. Bank has long term incentive policies for both Board of Directors and employees.

E. KETERBUKAAN INFORMASI INFORMATION DISCLOSURE

Prinsip 8 | Principle 8Meningkatkan Pelaksanaan Keterbukaan Informasi.

Improving the Implementation of Information Disclosure

8.1 Perusahaan Terbuka memanfaatkan penggunaan teknologi informasi secara lebih luas selain Situs Web sebagai media keterbukaan informasi.

Public Company takes benefit from the application of a broader information technology other than website as an information disclosure media.

PermataBank belum memenuhi pedoman ini.Media keterbukaan informasi melalui Situs Web dianggap telah mencukupi.PermataBank has not complied yet. It is considered sufficient to disclose the information through website.

8.2 Laporan Tahunan Perusahaan Terbuka mengungkapkan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka paling sedikit 5% (lima persen), selain pengungkapan pemilik manfaat akhir dalam kepemilikan saham Perusahaan Terbuka melalui pemegang saham utama dan pengendali.

Annual Report of public company discloses beneficial owner in share ownership of Public Company of at least 5%, other than disclosure of beneficial owner in share ownership of public company through major and controlling shareholders.

PermataBank telah memenuhi pedoman ini. PermataBank telah menyampaikan dalam Laporan Tahunan terkait informasi pemegang saham mayoritas, sampai dengan ultimate shareholders.PermataBank has complied with the requirement.PermataBank has disclosed in its Annual Report on the information of majority shareholders up to the ultimate shareholders.

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RENCANA STRATEGIS 2020PermataBank telah menyusun strategi tahun 2020-2022 untuk mencapai pertumbuhan dan tetap kompetitif dengan berfokus pada prioritas strategi sebagai berikut:1. Memperkuat kelayakan kinerja keuangan melalui pengelolaan

pendapatan, pengelolaan biaya dengan fokus meningkatkan keunggulan komersial serta pengelolaan kerugian kredit melalui manajemen risiko dan pemulihan kerugian atas kredit macet dan risiko operasional.

2. Memperkuat sinergi dengan pemegang saham utama3. Memperkuat business enablers untuk meningkatkan

pengalaman nasabah melalui menciptakan budaya kredit, menambah jumlah ‘model branch’ (network), proses pelayanan nasabah, pengembangan organisasi dan sumber daya manusia serta melanjutkan digital roadmap melalui investasi pada inovasi teknologi untuk menjadi Bank yang sederhana, cepat dan dapat diandalkan.

Rencana jangka panjang:1. Secara berkesinambungan memperkuat kinerja keuangan,

melalui pertumbuhan jumlah nasabah, meningkatkan pertumbuhan sumber pendanaan; peningkatan pendapatan berbasis biaya (fee based income), melanjutkan pertumbuhan kredit yang sehat sesuai dengan risk appetite Bank melalui manajemen risiko yang baik dan pengurangan Non Performing Loan (NPL) serta menjaga posisi likuiditas dan permodalan yang kuat.

2. Memperkuat sinergi dengan PT Astra International Tbk dan Standard Chartered Bank sebagai pemegang saham utama.

3. Memperkuat business enablers untuk meningkatkan pengalaman nasabah dengan memperkuat budaya kredit dan manajemen risiko dengan tetap mengutaman pertumbuhan aset dan terus berinovasi dalam pengembangan produk dan layanan yang unggul termasuk penyempurnaan digital banking solutions, meningkatkan produktivitas sumber daya manusia dan efektivitas organisasi dan memperluas jaringan network secara efektif dan efisien, memperbaiki layanan secara sederhana, cepat dan dapat diandalkan, penyempurnaan model bisnis anak perusahaan, termasuk mengeksplorasi peluang pertumbuhan bisnis secara inorganik.

STRATEGIC PLAN 2020PermataBank has prepared its 2020-2022 strategy for growth and to stay competitive by focusing on these strategic priorities:

1. Strengthen financial viability on all levers through managing operating income, operational cost efficiency with focus on increasing commercial excellence, and management of credit loss through risk and risk-return reward management, loss recovery and operation risk.

2. Strengthening synergy with main shareholders. 3. Strengthening key business enablers to improve customer

experience by implementing credit culture to drive responsible growth, increasing the number of ‘model branch’ (network), improving customer service processes, organization and human resources development, along with continuing our digital roadmap strategy by investing in technology innovation to become a simple, fast and reliable bank.

Corporate plan:1. Continuously strengthen financial performance, by growing

our customer base, increasing the growth sources of fund; increasing fee-based income, continuing healthy credit growth in line with the Bank’s risk appetite through good risk management and decrease in Non Performing Loan (NPL) while also maintaining a strong liquidity and capital position.

2. Strengthen synergies with PT Astra International Tbk and Standard Chartered Bank as main shareholders.

3. Strengthen key business enablers to improve customer experience by strengthening credit culture and risk management while maintaining asset growth and continuing to innovate in developing superior products and services including improving digital banking solutions, increasing productivity and organizational effectiveness and expanding effective and efficient networks, improving service to become simple, fast and reliable services, refining the business model of our subsidiary, including exploring opportunities for inorganic business growth


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TATA KELOLA PENGADAAN BARANG DAN JASADalam menciptakan lingkungan kerja yang transparan dan akuntabel, sebuah bank harus mempunyai kebijakan pengadaan barang dan jasa yang adil dan objektif. Hal ini juga berkaitan erat dengan sistem perbankan yang bersih dari praktik-praktik gratifikasi sehingga menciptakan lingkungan perbankan yang bebas dari konflik kepentingan serta memperkuat tata kelola perusahaan yang baik.

Sebagai bagian dari penerapan GCG yang mengutamakan transparansi dan akuntabilitas, PermataBank menerapkan Kebijakan Pengadaan dan Pengelolaan Vendor (Procurement and Vendor Management Policy) yang meliputi kebijakan yang berkaitan dengan pengelolaan vendor dalam kegiatan rutin untuk memastikan kinerja vendor sesuai dengan perjanjian dan Service Level Agreement (SLA) yang telah disepakati.

Sesuai Kebijakan Pengadaan, beberapa ketentuan pengelolaan vendor di PermataBank antara lain adalah:a. Pengadaan barang dan jasa dengan nilai sama dengan dan

di atas Rp100 juta harus dilakukan melalui unit Procurement Vendor Management (PVM) sesuai dengan kriteria dalam prosedur;

b. Proses pengadaan terdiri dari tahap identifikasi kebutuhan dan sumber pengadaan, tahap persiapan untuk sukses yang di dalamnya termasuk pembuatan rencana pengadaan dan strategi, tahap proses tender dan pembuatan keputusan, serta tahap penyelesaian dan serah terima pengelolaan;

c. Pengadaan dilakukan bersama antara User dan unit PVM. Untuk pengadaan sama dengan dan di atas Rp100 juta, permohonan pengadaan diajukan oleh User kepada PVM melalui sistem Procurement Vendor Management System (PVMS) dan selanjutnya diproses oleh PVM

d. Dalam melakukan pengadaan, dilakukan proses due diligence atas vendor yang termasuk melakukan pemeriksaan dokumen legal vendor, kunjungan ke vendor dan analisa kondisi keuangan vendor sesuai kebutuhan;

e. Skoring dilakukan bersama-sama dengan pihak User dan PVM dengan cakupan penilaian:1. Harga yang kompetitif.2. Keahlian dan pengalaman termasuk sertifikasi teknis dari

kontraktor.

GOODS AND SERVICES PROCUREMENT GOVERNANCEIn creating a transparent and accountable working environment, a bank should carry out a fair and objective goods and services procurement policy. This is also strongly related with a banking system that is free from gratification hence creating a banking environment without conflict of interest as well as strengthening good corporate governance.

As part of the implementation of GCG that prioritizes transparency and accountability, PermataBank implements Procurement and Vendor Management Policy, which consists of policies related to vendor management in regular activities to ensure that vendor’s performance is in line with the contract and Service Level Agreement (SLA).

Based on Procurement Policy, some vendor management provisions at PermataBank include:a. Procurement of goods and services with amount equal to

and above Rp100 million should be carried out through Procurement Vendor Management (PVM) unit in accordance to the requirements of the procedures;

b. Procurement process consist of procurement sources and demand identification phase, preparation for the success phase that includes procurement planning and strategy, tender and decision making phase, and completion with management handover phase;

c. Procurement is carried out by User and PVM unit. For procurement amounting equal to and above Rp100 million, procurement request is proposed by User to PVM through the Procurement Vendor Management System (PVMS) and then handled by PVM;

d. During procurement process, vendor due diligence is conducted through checking vendor legal documents, performing vendor visit and reviewing vendor financial condition as needed;

e. Scoring process is carried out by User and PVM with the following scope of consideration: 1. Competitive pricing. 2. Expertise and experience.

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3. Kemampuan dalam kecukupan finansial, rencana dan penanggulangan bencana (contingency plan).

4. Kesesuaian/kepatuhan terhadap spesifikasi dan kebutuhan PermataBank.

5. Kesesuaian dengan Kesehatan dan Keselamatan Kerja.

6. Referensi atas klien atau pelanggan lain.7. Riwayat kinerja atas layanan kepada PermataBank.8. Hasil screening atas Rekanan dengan menggunakan

aplikasi Anti Money Laundering.

Dalam melakukan pengadaan barang dan jasa, sangat penting untuk menjaga kode etik untuk tidak memberikan gratifikasi agar tidak terjadi kecurangan dan menjaga keadilan kompetisi antar vendor. Kode etik PermataBank menjelaskan bahwa dalam melakukan proses pengadaan harus menghindari segala bentuk benturan kepentingan. Salah satunya adalah menolak dan tidak meminta bantuan, komisi, hadiah, jamuan, perjalanan, atau bentuk imbalan lainnya dari supplier sesuai dengan Kebijakan Pemberian Hadiah dan Jamuan yang berlaku. Dan jika terdapat hubungan kekerabatan antara pihak vendor dan PermataBank, maka vendor perlu memberikan pernyataan kepada PermataBank.

Selain itu, untuk mencegah potensi kecurangan dari vendor, proses penilaian dalam masa pengadaan harus diikuti dan disetujui oleh PVM dan User terkait. Seluruh penjelasan terkait proses pengadaan dituangkan dalam dokumen Summary of Award (SOA) pada sistem PVMS dan disetujui oleh pejabat berwenang.

MANAJEMEN RISIKOSepanjang tahun 2019, PermataBank fokus meningkatkan efektivitas manajemen risiko dan fokus dalam membuat sebuah sistem yang kuat dan mengakar ke seluruh struktur organisasi

Penjelasan lengkap mengenai Manajemen Risiko tersedia di bab Manajemen Risiko halaman 308-413.

3. Ability in financial adequacy, planning, and contingency plan.

4. Suitability/compliance to PermataBank’s standards.

5. Conformity with the Health and Safety Environment standards.

6. Reference from clients or other costumers.7. Previous records of services to PermataBank.8. Screening result of partners using Anti Money Laundering

application.

In conducting goods and services procurement, it is important to maintain the code of ethics, avoid gratification, prevent fraud and maintain fairness of competition between vendors. PermataBank’s code of ethics mentions that conflict of interest has to be avoided during procurement process. This includes refusing and not asking for assistance, commission, gift, entertainment, travel, or other rewards from suppliers in line with the prevailing Gift and Entertainment Policy. And if there is a relationship of kinship between vendor and PermataBank, the vendor needs to provide a statement to PermataBank.

In addition, to prevent potential fraud from vendors, the assessment process during procurement is supervised and approved by PVM and related User. The entire explanation related to the procurement process is written in the Summary of Award (SOA) in the PVMS system and approved by authorized personnel.

RISK MANAGEMENTThroughout 2019, Bank increased the effectiveness of risk management and focus to create a strong system which is rooted to all organizational structure.

Detailed report on Risk Management is available in Risk Management section page 308-413.


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SISTEM PELAPORAN PELANGGARANUntuk mendukung terciptanya Good Corporate Governance dan melengkapi infrastruktur etik, serta mendeteksi adanya pelanggaran kode etik, PermataBank sejak tahun 2008 menerapkan sistem pelaporan pelanggaran atau Whistleblowing System yang dikenal dengan nama Speak-Up. Speak-Up merupakan sarana partisipasi aktif seluruh karyawan PermataBank untuk menjaga lingkungan kerja yang bebas dari tindakan fraud dengan melaporkan pelanggaran-pelanggaran dan malpraktik, termasuk kecurigaan atas tindakan tersebut

Cara Penyampaian Laporan PelanggaranKode Etik Karyawan menuntut komitmen segenap karyawan PermataBank. Artinya, setiap karyawan PermataBank memiliki hak dan tanggung jawab untuk melaporkan setiap indikasi pelanggaran dan diwajibkan menyampaikan sesegera mungkin adanya tindakan pelanggaran yang dilakukan oleh karyawan lain kepada Manajemen PermataBank melalui saluran Speak-Up yang telah disediakan.

Setiap pelaporan atau pengaduan melalui Speak-Up dicatat dalam register dan diklasifikasikan oleh Administrator berdasarkan tipe permasalahan yang meliputi: dugaan fraud, pelanggaran ketentuan (kode etik), dan laporan umum lain seperti keluh kesah atau saran.

Jalur Speak-Up yang disediakan adalah sebagai berikut:Email: [email protected]/SMS: +6281 12937133PO Box: 4890 JKTM 12700

Sistem Perlindungan Pelapor dan Penanganan PengaduanKebijakan Speak-Up dibuat dengan mengacu kepada prinsip-prinsip berikut ini:1. Laporan bersifat rahasia. Hanya Administrator Speak-Up

dan Speak-Up Council yang mempunyai wewenang untuk mengetahui isi laporan.

2. Pihak pelapor dapat memilih 1 dari 3 prinsip anonim di bawah ini:• Full Disclosure• Partial Anonymity• Anonymous

WHISTLE BLOWING SYSTEM

To create Good Corporate Governance and a complete ethics infrastructure, and detect any violations in the Code of Conduct, PermataBank since 2008 has implemented the Violation Reporting System or Whistleblowing system known as Speak-Up. Speak-Up is an active participation tool to encourage all of PermataBank’s employees in keeping the work environment free from fraud by reporting any violations and malpractices, including suspicion of any such actions.

How to Deliver Violation Report The Employee Code of Conduct requires commitment from all PermataBank’s employees. Each employee has the right and responsibility to report any indication of violations and are required to report any violations made by other employees as soon as possible to PermataBank management through the provided Speak-Up channels.

Each report or complaint through Speak-Up will be recorded in a register and classified by the Administrator based on three problem categories: alleged fraud, code of conduct violations, and other general reports including complaints and suggestions.

The Speak-Up channels are as follows: Email: [email protected] Call/SMS: +628112937133PO Box: 4890 JKTM 12700

The Reporting Protection and Complaint Handling SystemThe Speak-Up Policy was created in reference to the following principles:1. All reports are confidential. The only authorities who

have access to the reports’ contents are the Speak-Up Administrator and Speak Up Council.

2. An informant may choose 1 from 3 principles of anonymity:• Full Disclosure• Partial Anonymity• Anonymous

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3. An informant is entitled to protection from the Company if his/her report leads to potential threats within or outside PermataBank.

4. The informant will be not be held accountable if his/her report is unproven.

5. The Company warrants that the report submitted by an informant will not affect his/her performance evaluation/ career in PermataBank.

6. With this assurance, the informant is expected to provide detailed information to the management related to follow ups concerning their reports.

Number of Complaints and Follow-Ups in 2019In 2019, the Speak-Up Administrator received 18 reports, 6 of which were complaints and 12 were reports concerning alleged violations of the Code of Conduct. These reports have all been followed up.

ANTI CORRUPTION POLICYPermataBank has several provision related to anti corruption which contained in several policies/documents, among others, as follows:• Employees Code of Conduct. • Gift and Entertainment Policy• Conflict of Interest Policy.

PUBLICATION ON COMPLAINTS HANDLINGIn 2019, the majority of customer complaints were related to electronic banking services. Details of complaints and their resolution are presented in the table on page 176.

3. Pihak pelapor berhak mendapatkan perlindungan dari Perusahaan bila akibat dari laporannya mengakibatkan sesuatu hal yang mengancam keberadaan pelapor di dalam maupun di luar PermataBank.

4. Pihak pelapor dibebaskan dari segala sanksi bila ternyata laporannya tidak dapat dibuktikan kebenarannya.

5. Perusahaan menjamin semua pihak pelapor bahwa laporan-laporan mereka tidak akan mempengaruhi penilaian kinerja dan/atau perjalanan karier mereka di PermataBank.

6. Dengan jaminan tersebut di atas, pihak pelapor diharapkan bersedia untuk memberikan informasi yang lebih terperinci kepada manajemen terkait tindak lanjut atas laporan mereka.

Jumlah Pengaduan dan Tindak Lanjut di 2019Selama tahun 2019, Administrator Speak-Up menerima 18 laporan, di mana 6 laporan bersifat umum atau keluh kesah, dan 12 laporan berindikasi pelanggaran ketentuan (Kode Etik). Seluruh laporan tersebut telah ditindaklanjuti.

KEBIJAKAN ANTI KORUPSIPermataBank memiliki sejumlah ketentuan anti korupsi yang terdapat dalam sejumlah dokumen/kebijakan, antara lain, sebagai berikut:• Kode Etik Karyawan• Kebijakan Pemberian Hadiah dan Jamuan• Kebijakan Benturan Kepentingan

PUBLIKASI PENANGANAN PENGADUANPada tahun 2019, pengaduan nasabah yang terbanyak berasal dari layanan electronic banking. Rincian pengaduan dan penyelesaiannya disajikan dalam tabel di halaman 176.


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