To:
Directors of Conventional Commercial Banks

COPY

CIRCULAR OF THE FINANCIAL SERVICES AUTHORITY
OF THE REPUBLIC OF INDONESIA

NUMBER 31/SEOJK.03/2025

CONCERNING

REPORTING OF CONVENTIONAL COMMERCIAL BANKS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

In accordance with the mandate of Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System (State Gazette of the Republic of Indonesia Year 2025 Number 31/OJK, Supplement to the State Gazette of the Republic of Indonesia Number 161/OJK), it is necessary to regulate the implementation provisions of the aforementioned Financial Services Authority Regulation for conventional commercial banks in this Financial Services Authority Circular as follows:

I. GENERAL PROVISIONS

Conventional Commercial Banks, hereinafter abbreviated as BUK, are Banks that conduct conventional business activities, which in their activities provide services in the payment circuit, including branch offices of banks located outside the country.
Representative Offices of Banks Located Outside the Country, hereinafter referred to as KPBLN, are offices of banks with legal entities and headquarters located outside the country, which act only as intermediaries between the bank with a legal entity and headquarters located outside the country and its customers in Indonesia.
Reports are reports submitted by BUK and KPBLN to the Financial Services Authority as referred to in the provisions of legislation in the banking sector.
Periodic Reports are all Reports submitted to the Financial Services Authority routinely every specific period.
Incidental Reports are all Reports submitted to the Financial Services Authority under specific conditions.
BUK and KPBLN submit Reports online through the Financial Services Authority Reporting System.
The Financial Services Authority Reporting System in this Financial Services Authority Circular is the Financial Services Authority Online Reporting Application, hereinafter referred to as APOLO.
The obligation to submit consolidated BUK Reports only applies to BUK that exercise control over subsidiaries. The criteria for control in consolidated BUK Reports are:
a. for Reports related to the risk and capital information group in accordance with the Financial Services Authority Regulation concerning the application of consolidated risk management for banks that exercise control over subsidiaries; or b. for Reports related to the financial information group referring to financial accounting standards concerning consolidated financial reports.
The preparation and submission of Reports are carried out when BUK and KPBLN have obligations, meet criteria, and/or carry out specific activities in accordance with the provisions of the Financial Services Authority.
BUK and KPBLN that have obligations, meet criteria, and/or carry out specific activities as referred to in item 9, but do not have data or related transactions at the Periodic Report data position, must still submit tables without entries and/or filled with "NIHIL" (Nil).

Example 1:
BUK that does not have data on violations or exceedance of the Maximum Credit Granting Limit (BMPK) in a certain period, submits a Report with the entry "NIHIL" in the violation or BMPK exceedance Report.

Example 2:
KPBLN that does not have data related to debtors in Indonesia receiving loans/guarantees from the headquarters or branch offices outside the country in a certain period, must still submit a Report in the form of the Report header according to the format regulated.

For BUK that does not have data related to changes in the list of details of related parties with BUK at the Periodic Report data position, must still submit the Report of the list of details of related parties with BUK using the data position of the previous period.

Example:
BUK submits a report on the list of details of related parties semi-annually for the end-of-period data for June and December. In 2028, BUK "ABC" has the following conditions:
a. In the first semester, there was a change in the list of details of related parties with BUK in March 2028 and a report on changes in the list of details of related parties for the first semester was submitted on July 31, 2028. b. In the second semester of 2028, there was no change in the list of details of related parties with BUK. Regarding the aforementioned condition, BUK "ABC" submits a report on changes in the list of details of related parties for the second semester of 2028 using the data submitted by BUK "ABC" in the report on changes in the list of details of related parties for the first semester of 2028.

BUK and KPBLN are deemed to have submitted Reports if they have passed server validation, evidenced by a receipt from APOLO.

II. PERIODIC REPORTS

BUK prepares and submits Periodic Reports, consisting of:
a. Daily Reports; b. Monthly Reports;
c. Quarterly Reports;
d. Semi-annual Reports; and e. Annual Reports.
KPBLN prepares and submits Periodic Reports, consisting of:
a. Quarterly Reports; and b. Annual Reports.
The information groups of Periodic Reports include:
a. financial information group; b. risk and capital information group;
c. products, activities, and business activities information group; and
d. basic data information group.
The types of Periodic Reports and the submission of Periodic Reports for the first time are in accordance with the List of Periodic Reports as contained in Appendix I which is an integral part of this Financial Services Authority Circular.
The preparation of Periodic Reports for BUK and KPBLN refers to the Guidelines for the Preparation of Periodic Reports for BUK and KPBLN as contained in Appendix II which is an integral part of this Financial Services Authority Circular.

III. INCIDENTAL REPORTS

The information groups of Incidental Reports include:
a. supervision information group; b. institutional information group;
c. business activities information group; and
d. other information groups.
Incidental Reports are in accordance with the List of Incidental Reports as contained in Appendix I which is an integral part of this Financial Services Authority Circular.
Incidental Reports are submitted for the first time through APOLO starting from January 1, 2026, for all Incidental Reports that must be reported with the event date effective as of January 1, 2026.
The preparation of Incidental Reports for BUK and KPBLN refers to the Guidelines for the Preparation of Incidental Reports for BUK and KPBLN as contained in Appendix III which is an integral part of this Financial Services Authority Circular.
The imposition of administrative sanctions for Incidental Reports which are follow-ups of supervision and/or examinations based on requests from the Financial Services Authority is carried out based on Article 18 of Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System.

Example:
Based on the Financial Services Authority examination, on November 1, 2028, the Financial Services Authority requested Bank "GHP" to follow up on the results of the examination by improving the Bank's know your customer standard operating procedures and submitting an improvement Report no later than November 30, 2028, to the Financial Services Authority after the improvement steps are taken. Bank "GHP" has improved the aforementioned standard operating procedures. Subsequently, Bank "GHP" submits the aforementioned improvement Report as a supervision follow-up Report to the Financial Services Authority on December 4, 2028. Bank "GHP" is subject to an administrative sanction in the form of a fine of Rp2,000,000.00 (two million rupiah) which is Rp1,000,000.00 (one million rupiah) x 2 (two) working days.

IV. PREPARATION AND SUBMISSION OF REPORTS AND QUESTIONS

Submission of Reports and Questions
a. BUK and KPBLN prepare and submit Reports which are the results of processes that have been encrypted and compressed to the Financial Services Authority. b. Questions related to reporting in accordance with these provisions are submitted to the Financial Services Authority helpdesk via email at helpdesk@ojk.go.id.
Appointment or Change of Reporting Officer
a. BUK and KPBLN appoint a reporting officer, including changes thereto, and submit a letter of appointment or change of the aforementioned reporting officer to the Financial Services Authority. b. The reporting officer has access rights to submit Reports through APOLO.
c. The reporting officer as the administrator responsible officer (ARO) can:

appoint reporting personnel as responsible officer (RO) by granting access rights to submit Reports; and
create, change, or delete user IDs of ROs on APOLO.
d. The letter of appointment of the reporting officer as referred to in letter a is prepared by referring to Format A as contained in Appendix IV which is an integral part of this Financial Services Authority Circular. e. The letter of change of the reporting officer as referred to in letter a is prepared by referring to Format B as contained in Appendix IV which is an integral part of this Financial Services Authority Circular. f. The letter of appointment or change of the reporting officer is submitted by BUK and KPBLN offline to the work unit that carries out data and statistics management functions.

V. TRANSITIONAL PROVISIONS

At the time this Financial Services Authority Circular takes effect until the submission of the first Report based on this Financial Services Authority Circular, BUK and KPBLN continue to submit Reports in accordance with Financial Services Authority Circular Number 26/SEOJK.03/2020 concerning Reporting of Conventional Commercial Banks through the Financial Services Authority Reporting System.

VI. CLOSING

At the time this Financial Services Authority Circular takes effect, Financial Services Authority Circular Number 26/SEOJK.03/2020 concerning Reporting of Conventional Commercial Banks through the Financial Services Authority Reporting System is revoked and declared invalid.

This copy is in accordance with the original
Head of Legal Development Directorate
Legal Department signed.
Aat Windradi

This Financial Services Authority Circular takes effect on the date of establishment.

Established in Jakarta on November 28, 2025

EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,
DIAN EDIANA RAE

signed.

APPENDIX I
CIRCULAR OF THE FINANCIAL SERVICES AUTHORITY
OF THE REPUBLIC OF INDONESIA
NUMBER 31/SEOJK.03/2025
CONCERNING
REPORTING OF CONVENTIONAL COMMERCIAL BANKS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

Appendix I.A List of Periodic Reports

Periodic Reports BUK - Daily

No.	Information Group	Report Name	Legal Basis	Period	Deadline	Data Position	First Submission Date
1.	Financial	Daily liquidity monitoring report	a. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>b. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	-	End of the next working day		December 1, 2026

Periodic Reports BUK - Monthly

No.	Information Group	Report Name	Legal Basis	Period	Deadline	Data Position	First Submission Date
1.	Financial	Basic credit interest rate detail report	Financial Services Authority Regulation Number 13 of 2024 concerning Transparency and Publication of Basic Credit Interest Rates for Conventional Commercial Banks	II	15th of the following month		Already reported
2.	Financial	Largest financing and funding report	a. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>b. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	II	15th of the following month		November 30, 2026
3.	Financial	Monthly financial publication and financial performance information report	a. Financial Services Authority Regulation Number 18 of 2025 concerning Transparency and Publication of Bank Reports<br>b. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>c. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	IV	End of the following month	a. Already reported for Monthly financial publication and financial performance information reports in accordance with Financial Services Authority Circular Number 9/SEOJK.03/2020 concerning Transparency and Publication of Conventional Commercial Bank Reports<br>b. 31 October 2026 for formats in accordance with Financial Services Authority Circular Number 29/SEOJK.03/2025 concerning Transparency and Publication of Conventional Commercial Bank Reports	a. Already reported<br>b. 31 October 2026
4.	Risk and Capital	Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Report - BUK individually	a. Financial Services Authority Regulation Number 11/POJK.03/2016 concerning Minimum Capital Requirements for Commercial Banks as amended several times, lastly with Financial Services Authority Regulation Number 27 of 2022 concerning the Second Amendment to Financial Services Authority Regulation Number 11/POJK.03/2016 concerning Minimum Capital Requirements for Commercial Banks<br>b. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>c. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	I	7th of the following month		Already reported
5.	Risk and Capital	Report from branch offices of banks located outside the country (KCBLN) on compliance with Capital Equivalency Maintained Assets (CEMA)	a. Financial Services Authority Regulation Number 11/POJK.03/2016 concerning Minimum Capital Requirements for Commercial Banks as amended several times, lastly with Financial Services Authority Regulation Number 27 of 2022 concerning the Second Amendment to Financial Services Authority Regulation Number 11/POJK.03/2016 concerning Minimum Capital Requirements for Commercial Banks<br>b. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>c. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	I	7th of the following month		May 31, 2026
6.	Risk and Capital	Liquidity Coverage Ratio Report - BUK individually	Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks as amended with Financial Services Authority Regulation Number 19 of 2024 concerning the Amendment to Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks	II	15th of the following month		Already reported
7.	Risk and Capital	Intraday liquidity report	a. Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks as amended with Financial Services Authority Regulation Number 19 of 2024 concerning the Amendment to Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks<br>b. Financial Services Authority Circular Number 26/SEOJK.03/2025 concerning Internal Liquidity Adequacy Assessment Process for Commercial Banks	II	15th of the following month	a. December 31, 2028 for BUK with KBMI 3, KBMI 4, and foreign banks<br>b. December 31, 2030 for BUK with KBMI 1 and KBMI 2 other than foreign banks	a. December 31, 2028<br>b. December 31, 2030
8.	Risk and Capital	Liquidity coverage ratio in significant foreign currency report	a. Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks as amended with Financial Services Authority Regulation Number 19 of 2024 concerning the Amendment to Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks<br>b. Financial Services Authority Circular Number 26/SEOJK.03/2025 concerning Internal Liquidity Adequacy Assessment Process for Commercial Banks	II	15th of the following month	a. December 31, 2026 for BUK with KBMI 3, KBMI 4, and foreign banks<br>b. December 31, 2028 for BUK with KBMI 1 and KBMI 2 other than foreign banks	a. December 31, 2026<br>b. December 31, 2028
9.	Risk and Capital	Funding profile report	a. Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks as amended with Financial Services Authority Regulation Number 19 of 2024 concerning the Amendment to Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks<br>b. Financial Services Authority Circular Number 26/SEOJK.03/2025 concerning Internal Liquidity Adequacy Assessment Process for Commercial Banks	II	15th of the following month	a. December 31, 2026 for BUK with KBMI 3, KBMI 4, and foreign banks<br>b. December 31, 2028 for BUK with KBMI 1 and KBMI 2 other than foreign banks	a. December 31, 2026<br>b. December 31, 2028
10.	Risk and Capital	BMPK and Large Fund Provisioning Report - BUK individually	Financial Services Authority Regulation Number 32/POJK.03/2018 concerning Maximum Credit Granting Limits and Large Fund Provisioning for Commercial Banks as amended with Financial Services Authority Regulation Number 38/POJK.03/2019 concerning the Amendment to Financial Services Authority Regulation Number 32/POJK.03/2018 concerning Maximum Credit Granting Limits and Large Fund Provisioning for Commercial Banks	II	15th of the following month		Already reported
11.	Risk and Capital	Liquidity Coverage Ratio Report - BUK consolidated	Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks as amended with Financial Services Authority Regulation Number 19 of 2024 concerning the Amendment to Financial Services Authority Regulation Number 42/POJK.03/2015 concerning the Fulfillment of the Liquidity Coverage Ratio for Commercial Banks	IV	End of the following month		Already reported
12.	Basic Data	Office network data report	a. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>b. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	I	7th of the following month		Already reported

Periodic Reports BUK - Quarterly

No.	Information Group	Report Name	Legal Basis	Period	Deadline	Data Position	First Submission Date
1.	Financial	Financial publication and financial performance information report quarterly position of first quarter, second quarter, and third quarter - if not accompanied by a public accountant report in the context of audit and in the context of limited review or reviu	a. Financial Services Authority Regulation Number 18 of 2025 concerning Transparency and Publication of Bank Reports<br>b. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>c. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter	a. Already reported for Quarterly financial publication and financial performance information reports in accordance with Financial Services Authority Circular Number 9/SEOJK.03/2020 concerning Transparency and Publication of Conventional Commercial Bank Reports<br>b. 30 September 2026 for formats in accordance with Financial Services Authority Circular Number 29/SEOJK.03/2025 concerning Transparency and Publication of Conventional Commercial Bank Reports	a. Already reported<br>b. 30 September 2026
2.	Financial	Business plan realization report	Financial Services Authority Regulation Number 5/POJK.03/2016 concerning Bank Business Plans	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	a. Already reported for Business plan realization reports in accordance with Financial Services Authority Circular Number 12/SEOJK.03/2021 concerning Business Plans of Commercial Banks<br>b. 30 June 2026 for formats as contained in Appendix II which is an integral part of this Financial Services Authority Circular	a. Already reported<br>b. 30 June 2026
3.	Financial	Financial publication and financial performance information report quarterly position of first quarter, second quarter, and third quarter - if accompanied by a public accountant report in the context of limited review or reviu	a. Financial Services Authority Regulation Number 18 of 2025 concerning Transparency and Publication of Bank Reports<br>b. Financial Services Authority Regulation Number 22 of 2025 concerning Reporting of Commercial Banks through the Financial Services Authority Reporting System<br>c. Financial Services Authority Circular concerning reporting of conventional commercial banks through the Financial Services Authority Reporting System	IV	a. May 31 of the current year for the first quarter<br>b. August 31 of the current year for the second quarter<br>c. November 30 of the current year for the third quarter	a. Already reported for Quarterly financial publication and financial performance information reports in accordance with Financial Services Authority Circular Number 9/SEOJK.03/2020 concerning Transparency and Publication of Conventional Commercial Bank Reports<br>b. 30 September 2026 for formats in accordance with Financial Services Authority Circular Number 29/SEOJK.03/2025 concerning Transparency and Publication of Conventional Commercial Bank Reports	a. Already reported<br>b. 30 September 2026
4.	Financial	Financial publication and	a. Financial Services Authority Regulation Number 18	V	a. June 30 of the current year	a. Already reported

OJK Circular No. 31/SEOJK.03/2025 on Conventional Commercial Bank Reporting via the OJK Reporting System

3. Periodic Reports

3.1. Periodic Reports BUK - Quarterly

No.	Information Group	Report Name	Regulatory Basis	Period	Deadline	First Data Position Date
1.	Financial	Quarterly financial publication report and financial performance information	a. OJK Regulation No. 18 of 2025 on Transparency and Publication of Conventional Commercial Bank Reports<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system for the first quarter	First quarter, second quarter, and third quarter - if accompanied by a public accountant's report for audit purposes	a. April 7 of the current year for the first quarter<br>b. September 30 of the current year for the second quarter<br>c. December 31 of the current year for the third quarter	a. Already reported for financial publication reports and quarterly financial performance information in accordance with OJK Circular No. 9/SEOJK.03/2020 on Transparency and Publication of Conventional Commercial Bank Reports<br>b. September 30, 2026 for formats in accordance with OJK Circular No. 29/SEOJK.03/2025 on Transparency and Publication of Conventional Commercial Bank Reports
2.	Financial	Quarterly fourth quarter position	Same as Item 1	Fourth quarter	March 31 of the following year	Same as Item 1
3.	Risk and Capital	Leverage Ratio Compliance Report - BUK individually	OJK Regulation No. 31/POJK.03/2019 on Leverage Ratio Compliance Obligations for Commercial Banks	I	a. April 7 of the current year for the first quarter<br>b. July 7 of the current year for the second quarter<br>c. October 7 of the current year for the third quarter<br>d. January 7 of the following year for the fourth quarter	Already reported
4.	Risk and Capital	Net Stable Funding Ratio (NSFR) worksheet and NSFR Report - BUK individually	OJK Regulation No. 50/POJK.03/2017 on Net Stable Funding Ratio Compliance Obligations for Commercial Banks as amended by OJK Regulation No. 20 of 2024 on Amendments to OJK Regulation No. 50/POJK.03/2017 on Net Stable Funding Ratio Compliance Obligations for Commercial Banks	II	a. April 15 of the current year for the first quarter<br>b. July 15 of the current year for the second quarter<br>c. October 15 of the current year for the third quarter<br>d. January 15 of the following year for the fourth quarter	Already reported
5.	Risk and Capital	Sensitivity to Market Risk - Interest Rate Report	a. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>b. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	II	a. April 15 of the current year for the first quarter<br>b. July 15 of the current year for the second quarter<br>c. October 15 of the current year for the third quarter<br>d. January 15 of the following year for the fourth quarter	Already reported
6.	Risk and Capital	Asset Quality and Provision for Impairment (PPKA) Formation Report - Consolidated	OJK Regulation No. 38/POJK.03/2017 on Consolidated Risk Management Implementation for Banks Controlling Subsidiary Companies	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	Already reported
7.	Risk and Capital	Leverage Ratio Compliance Report - BUK Consolidated	OJK Regulation No. 31/POJK.03/2019 on Leverage Ratio Compliance Obligations for Commercial Banks	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	Already reported
8.	Risk and Capital	Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Report - BUK Consolidated	a. OJK Regulation No. 11/POJK.03/2016 on Minimum Capital Requirements for Commercial Banks as amended several times, lastly by OJK Regulation No. 27 of 2022 on Second Amendment to OJK Regulation No. 11/POJK.03/2016 on Minimum Capital Requirements for Commercial Banks<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	Already reported
9.	Risk and Capital	Net Stable Funding Ratio (NSFR) worksheet and NSFR Report - BUK Consolidated	OJK Regulation No. 50/POJK.03/2017 on Net Stable Funding Ratio Compliance Obligations for Commercial Banks as amended by OJK Regulation No. 20 of 2024 on Amendments to OJK Regulation No. 50/POJK.03/2017 on Net Stable Funding Ratio Compliance Obligations for Commercial Banks	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	Already reported
10.	Risk and Capital	BMPK and Large Fund Provision Report - BUK Consolidated	OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Commercial Banks as amended by OJK Regulation No. 38/POJK.03/2019 on Amendments to OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Commercial Banks	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	Already reported
11.	Risk and Capital	Risk Profile Report - BUK Individually	a. OJK Regulation No. 18/POJK.03/2016 on Risk Management Implementation for Commercial Banks<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	III	a. April 30 of the current year for the first quarter<br>b. October 31 of the current year for the third quarter	March 31, 2026
12.	Risk and Capital	Survival Period Monitoring Report	a. OJK Regulation No. 42/POJK.03/2015 on Liquidity Coverage Ratio Compliance Obligations for Commercial Banks as amended by OJK Regulation No. 19 of 2024 on Amendments to OJK Regulation No. 42/POJK.03/2015 on Liquidity Coverage Ratio Compliance Obligations for Commercial Banks<br>b. OJK Circular No. 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (ILAAP) for Commercial Banks	III	a. April 30 of the current year for the first quarter<br>b. July 31 of the current year for the second quarter<br>c. October 31 of the current year for the third quarter<br>d. January 31 of the following year for the fourth quarter	a. December 31, 2026 for BUK with KBMI 3, KBMI 4, and foreign banks<br>b. December 31, 2028 for BUK with KBMI 1 and KBMI 2 other than foreign banks
13.	Risk and Capital	Risk Profile Report - BUK Consolidated	a. OJK Regulation No. 18/POJK.03/2016 on Risk Management Implementation for Commercial Banks<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	III	a. April 30 of the current year for the first quarter<br>b. October 31 of the current year for the third quarter	March 31, 2026
14.	Products, Activities, and Operations	Development of Branchless Banking Services Report	OJK Regulation No. 1/POJK.03/2022 on Financial Services Without Branches in the Context of Financial Inclusion	II	a. April 15 of the current year for the first quarter<br>b. July 15 of the current year for the second quarter<br>c. October 15 of the current year for the third quarter<br>d. January 15 of the following year for the fourth quarter	a. Already reported for development of branchless banking services in accordance with OJK Circular No. 6/SEOJK.03/2015 on Financial Services Without Branches in the Context of Financial Inclusion by Banks<br>b. March 31, 2026 for formats as stated in Appendix II which is an integral part of this OJK Circular

3.2. Periodic Reports KPBLN - Quarterly

No.	Information Group	Report Name	Regulatory Basis	Period	Deadline	First Data Position Date
1.	Financial	KPBLN Report related to debtors in Indonesia receiving loans and/or obtaining bank guarantees from headquarters or branches abroad	OJK Regulation No. 12/POJK.03/2021 on Commercial Banks	I	7th of the following month	June 30, 2026

3.3. Periodic Reports BUK - Semi-Annual

No.	Information Group	Report Name	Regulatory Basis	Period	Deadline	First Data Position Date
1.	Financial	Business Plan Supervision Report	OJK Regulation No. 5/POJK.03/2016 on Bank Business Plans	II	a. August 31 of the current year for the first semester<br>b. End of February of the following year for the second semester	Already reported
2.	Risk and Capital	Internal Audit Implementation and Key Audit Results Report	OJK Regulation No. 1/POJK.03/2019 on Internal Audit Function Implementation on Commercial Banks	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	June 30, 2026
3.	Risk and Capital	Self-Assessment Report on Bank Health Level - BUK Individually	OJK Regulation No. 4/POJK.03/2016 on Bank Health Level Assessment for Commercial Banks	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	June 30, 2026
4.	Risk and Capital	Internal Liquidity Adequacy Assessment Process (ILAAP) Implementation Report	a. OJK Regulation No. 42/POJK.03/2015 on Liquidity Coverage Ratio Compliance Obligations for Commercial Banks as amended by OJK Regulation No. 19 of 2024 on Amendments to OJK Regulation No. 42/POJK.03/2015 on Liquidity Coverage Ratio Compliance Obligations for Commercial Banks<br>b. OJK Circular No. 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (ILAAP) for Commercial Banks	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	a. December 31, 2026 for BUK with KBMI 3, KBMI 4, and foreign banks<br>b. December 31, 2028 for BUK with KBMI 1 and KBMI 2 other than foreign banks
5.	Risk and Capital	Compliance Report	OJK Regulation No. 46/POJK.03/2017 on Compliance Function Implementation for Commercial Banks	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	June 30, 2026
6.	Risk and Capital	Self-Assessment Report on Bank Health Level - BUK Consolidated	OJK Regulation No. 4/POJK.03/2016 on Bank Health Level Assessment for Commercial Banks	II	a. August 15 of the current year for the first semester<br>b. February 15 of the following year for the second semester	June 30, 2026
7.	Risk and Capital	Anti-Money Laundering and Counter-Terrorism Financing (APU and PPT) Report	a. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>b. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	II	a. August 15 of the current year for the first semester<br>b. February 15 of the following year for the second semester	Already reported
8.	Core Data	Report on List of Related Parties with Banks	a. OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Commercial Banks as amended by OJK Regulation No. 38/POJK.03/2019 on Amendments to OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Commercial Banks<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	June 30, 2026
9.	Core Data	Indonesian Banking Human Resources Data Report	a. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>b. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	I	a. July 31 of the current year for the first semester<br>b. January 31 of the following year for the second semester	Already reported

3.4. Periodic Reports BUK - Annual

No.	Information Group	Report Name	Regulatory Basis	Period	Deadline	First Data Position Date
1.	Financial	Bank Business Plan	OJK Regulation No. 5/POJK.03/2016 on Bank Business Plans	II	a. November 30 before the business plan year begins<br>b. In case of changes or adjustments to the business plan, the submission deadline for the Report is in accordance with OJK Regulation No. 5/POJK.03/2016 on Bank Business Plans as stated in Appendix II which is an integral part of this OJK Circular	a. Already reported for bank business plans in accordance with OJK Circular No. 12/SEOJK.03/2021 on Conventional Commercial Bank Business Plans<br>b. Data position Year 2027 for formats
2.	Financial	Annual Report on Financial Publication and Financial Performance Information	a. OJK Regulation No. 18 of 2025 on Transparency and Publication of Conventional Commercial Bank Reports<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	V	April 30 of the following year	December 31, 2026
3.	Financial	Annual Group Report for BUK that are part of a business group	a. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>b. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	V	April 30 of the following year	December 31, 2026
4.	Risk and Capital	Recovery Action Plan Update Report	OJK Regulation No. 5 of 2024 on Determination of Supervisory Status and Handling of Commercial Bank Problems	II	a. End of November for periodic updates of the recovery action plan; and/or<br>b. 1 (one) month after evaluation and testing (stress testing) of the recovery action plan based on specific conditions that will significantly affect BUK	December 31, 2026
5.	Risk and Capital	Risk-Weighted Assets Report for Operational Risk	a. OJK Regulation No. 11/POJK.03/2016 on Minimum Capital Requirements for Commercial Banks as amended several times, lastly by OJK Regulation No. 27 of 2022 on Second Amendment to OJK Regulation No. 11/POJK.03/2016 on Minimum Capital Requirements for Commercial Banks<br>b. OJK Circular No. 6/SEOJK.03/2020 on Calculation of Risk-Weighted Assets for Operational Risk Using the Standardized Approach for Commercial Banks	IV	January 31 of the following year	Already reported
6.	Products, Activities, and Operations	Information Technology Development Plan	OJK Regulation No. 11/POJK.03/2022 on Information Technology Management by Commercial Banks	II	a. November 30 before the 2027 work plan year<br>b. In case of changes to the information technology development plan, the submission deadline for the report is in accordance with OJK Regulation No. 11/POJK.03/2022 on Information Technology Management by Commercial Banks
7.	Products, Activities, and Operations	Current Condition Report on Information Technology Management	a. OJK Regulation No. 11/POJK.03/2022 on Information Technology Management by Commercial Banks<br>b. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System<br>c. OJK Circular on reporting of conventional commercial banks via the OJK reporting system	III	January 21 of the following year	December 31, 2026

3.5. Periodic Reports KPBLN - Annual

No.	Information Group	Report Name	Regulatory Basis	Period	Deadline	First Data Position Date
1.	Financial	KPBLN Work Plan	OJK Regulation No. 12/POJK.03/2021 on Commercial Banks	II	November 30 before the 2027 work plan year

4. Incidental Reports

Appendix I.B List of Incidental Reports

No.	Information Group	Report Name	Regulatory Basis	Article	Deadline
1.	Supervisory Information Group	Report on information publication or material facts	OJK Regulation No. 18 of 2025 on Transparency and Publication of Conventional Commercial Bank Reports	Article 28 paragraph (2)	a. At the latest 2 (two) working days after the existence of information or material facts<br>b. For BUK that are issuers and/or public companies, submitted in accordance with OJK Regulation No. 45 of 2024 on Development and Strengthening of Issuers and Public Companies, namely as soon as possible when BUK knows or should know information or material facts and at the latest before the start of trading session I on the stock exchange on the next working day
2.	Supervisory Information Group	Special report on internal audit findings	OJK Regulation No. 1/POJK.03/2019 on Internal Audit Function Implementation on Commercial Banks	Article 20 letter b	At the latest 3 (three) working days after discovery
3.	Supervisory Information Group	Supervisory follow-up report	a. OJK Regulation No. 22 of 2025 on Reporting of Commercial Banks via the OJK Reporting System	N/A	Based on the letter submitted by the OJK

Article

Regulation	Deadline
b. OJK Circular on Conventional Commercial Bank Reporting via the OJK Reporting System	-

4. Board of Commissioners' Report on Findings:

a. Violations of regulations in the financial, banking, and related fields to the business activities of Conventional Commercial Banks (BUK); and

b. Conditions or estimated conditions that may endanger the continuity of BUK's business.

Regulation: OJK Regulation No. 17 of 2023 on the Implementation of Good Corporate Governance for Conventional Commercial Banks

Article: Article 51

Deadline: At most 5 (five) working days since the discovery of:

a. Violations of regulations in the financial, banking, and related fields to the business activities of BUK; and/or

b. Conditions or estimated conditions that may endanger the continuity of BUK's business.

5. Report in the event of conditions:

a. Re-evaluation of materiality results show that the performance of the IT service provider is potentially ineffective;

b. Deterioration of IT service performance by the IT service provider that has the potential to cause and/or result in significant impacts on business activities and/or BUK operations;

c. The IT service provider becomes insolvent, in the process of liquidation, or declared bankrupt by the court;

d. Violations by the IT service provider regarding regulations on bank secrecy and/or customer personal data;

e. Conditions causing BUK to be unable to provide data required for supervision by the Financial Services Authority; and/or

f. Other conditions causing the disruption or cessation of IT service provision from the IT service provider to BUK.

Regulation: OJK Regulation No. 11/POJK.03/2022 on the Implementation of Information Technology by Conventional Commercial Banks

Article: Article 32 paragraph (2) letter a

Deadline: At most 3 (three) working days after the condition is known by BUK.

6. IT Incident Report that has the potential and/or has resulted in significant losses and/or disrupted the smoothness of BUK's operations.

Regulation: OJK Regulation No. 11/POJK.03/2022 on the Implementation of Information Technology by Conventional Commercial Banks

Article: Article 60 paragraph (1) letter b

Deadline: At most 5 (five) working days after the IT incident is known by BUK.

7. Special Report regarding policies and/or Board of Directors' decisions that, according to the director overseeing the compliance function, have deviated from regulations.

Regulation: OJK Regulation No. 46/POJK.03/2017 on the Implementation of the Compliance Function of Conventional Commercial Banks

Article: Article 17 paragraph (5)

Deadline: At most 7 (seven) working days since the deviation was known by the director overseeing the compliance function.

8. IT Strategic Plan and its amendments.

Regulation: OJK Regulation No. 11/POJK.03/2022 on the Implementation of Information Technology by Conventional Commercial Banks

Article: Article 13 paragraph (1) and paragraph (3)

Deadline:

a. The IT strategic plan is submitted at the latest by the end of November in the year before the start of the initial period of the IT strategic plan.

b. In the event of changes, the Report is submitted at any time in accordance with OJK Regulation No. 11/POJK.03/2022 on the Implementation of Information Technology by Conventional Commercial Banks.

9. Corporate Plan of Indonesian Legal Entity Banks (BHI) and its amendments.

Regulation: OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks

Article: Article 8 paragraph (3) and Article 9 paragraph (3)

Deadline:

a. The corporate plan of BHI is submitted at the latest by the end of November in the year before the start of the initial period of the 5 (five) year corporate plan.

b. In the event of changes, the Report is submitted at any time in accordance with OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks.

10. Corporate Plan of Representative Offices of Foreign Banks (KCBLN) and its amendments.

Regulation: OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks

Article: Article 8 paragraph (3) and Article 9 paragraph (3)

Deadline:

a. The corporate plan of KCBLN is submitted at the latest by the end of November in the year before the start of the initial period of the 5 (five) year corporate plan.

b. In the event of changes, the Report is submitted at any time in accordance with OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks.

11. Action Plan to adjust to the maximum share ownership limit.

Regulation: OJK Regulation No. 56/POJK.03/2016 on Share Ownership of Conventional Commercial Banks

Article: Article 16 paragraph (2)

Deadline: At most 4 (four) months since the obligation to adjust to the maximum share ownership limit arises to obtain approval from the Financial Services Authority.

12. Action Plan for exceeding the equity participation limit.

Regulation: OJK Regulation No. 22 of 2022 on Equity Participation Activities by Conventional Commercial Banks

Article: Article 9 paragraph (3)

Deadline: At the latest by the end of the fourth month since the occurrence of the exceeding of the equity participation limit.

13. Action Plan in the event that the debtor is a company where the temporary equity participation has not yet obtained cumulative profits.

Regulation: OJK Regulation No. 22 of 2022 on Equity Participation Activities by Conventional Commercial Banks

Article: Article 29 paragraph (2)

Deadline: At most 30 (thirty) working days before the 5 (five) year period of temporary equity participation ends.

14. Action Plan to resolve BMPK violations and/or exceeding BMPK.

Regulation: OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks as amended by OJK Regulation No. 38/POJK.03/2019 on Amendments to OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks.

Article: Article 51 paragraph (2)

Deadline: At most:

a. 1 (one) month since the Financial Services Authority establishes that a BMPK violation has occurred;

b. 1 (one) month after the end of the reporting month for BMPK exceeding caused by matters referred to in Article 48 paragraph (1) letters a, b, c, and d of OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks as amended by OJK Regulation No. 38/POJK.03/2019 on Amendments to OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks; and/or

c. 3 (three) months since the implementation of new regulations for BMPK exceeding caused by matters referred to in Article 48 paragraph (1) letter e of OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks as amended by OJK Regulation No. 38/POJK.03/2019 on Amendments to OJK Regulation No. 32/POJK.03/2018 on Maximum Limits for Credit Provision and Large Fund Provision for Conventional Commercial Banks.

15. Action Plan which is a follow-up to the results of the BUK health level assessment by the Financial Services Authority.

Regulation: OJK Regulation No. 4/POJK.03/2016 on the Assessment of the Health Level of Conventional Commercial Banks

Article: Article 13 paragraph (3) letter a

Deadline: According to specific deadlines set by the Financial Services Authority.

16. Action Plan which is a follow-up to the results of BUK's self-assessment.

Regulation: OJK Regulation No. 4/POJK.03/2016 on the Assessment of the Health Level of Conventional Commercial Banks

Article: Article 13 paragraph (3) letter b

Deadline: At the latest on:

a. August 15 for the BUK health level assessment at the end of June; and

b. February 15 for the BUK health level assessment at the end of December.

17. Plan to fulfill capital surcharge for systemic BUK.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 12 paragraph (1)

Deadline: At most 14 (fourteen) working days since the written notification from the Financial Services Authority.

18. BUK Action Plan in normal supervision experiencing difficulties endangering its continuity if there are other actions to be taken other than those included in the recovery action plan.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: N/A

Deadline: Based on the letter submitted by the Financial Services Authority.

19. Report on the implementation of the BUK recovery action plan in normal supervision experiencing difficulties endangering its continuity.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

20. Report on the implementation of the action plan to adjust to the maximum share ownership limit.

Regulation: OJK Regulation No. 56/POJK.03/2016 on Share Ownership of Conventional Commercial Banks

Article: Article 16 paragraph (4)

Deadline: At most 10 (ten) working days since the realization of the action plan or according to the stages of the action plan.

21. Report on the implementation of the action plan to resolve BMPK violations and exceeding BMPK.

Article: Article 52 paragraph (2)

Deadline: At most 7 (seven) working days after the target time for the completion of the action plan.

22. Report on the implementation of the action plan realization if there are other actions taken other than those included in the recovery action plan for BUK in normal supervision experiencing difficulties endangering its continuity.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

23. Report on the implementation of health improvement steps set by the Financial Services Authority for BUK in normal supervision experiencing difficulties endangering its business continuity.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

24. Report on the implementation of the BUK action plan in health improvement if there are other actions to be taken other than those included in the recovery action plan.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

25. Report on the implementation of health improvement steps set by the Financial Services Authority for BUK in health improvement.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

26. Action Plan for written orders.

Regulation: OJK Regulation No. 31 of 2024 on Written Orders

Article: Article 7 paragraph (1) letter a

Deadline: Based on the letter submitted by the Financial Services Authority.

27. Report on the progress of the implementation of the action plan for written orders.

Regulation: OJK Regulation No. 31 of 2024 on Written Orders

Article: Article 7 paragraph (1) letter b and paragraph (2)

Deadline: Based on the letter submitted by the Financial Services Authority.

28. Report on the fulfillment of written orders.

Regulation: OJK Regulation No. 31 of 2024 on Written Orders

Article: Article 8

Deadline: At most 2 (two) working days after the fulfillment of the written order.

29. Report on the implementation of the action plan to fulfill the net stable funding ratio – BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Regulation: OJK Regulation No. 50/POJK.03/2017 on the Obligation to Fulfill the Net Stable Funding Ratio for Conventional Commercial Banks as amended by OJK Regulation No. 20 of 2024 on Amendments to OJK Regulation No. 50/POJK.03/2017 on the Obligation to Fulfill the Net Stable Funding Ratio for Conventional Commercial Banks.

Article: Article 12 paragraph (1)

Deadline: At most 10 (ten) working days after the target time for the completion of the action plan to fulfill the net stable funding ratio.

30. Report on the implementation of the action plan to fulfill the net stable funding ratio – BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Article: Article 12 paragraph (1)

Deadline: At most 10 (ten) working days after the target time for the completion of the action plan to fulfill the net stable funding ratio.

31. BUK Action Plan in health improvement if there are other actions to be taken other than those included in the recovery action plan.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: N/A

Deadline: Based on the letter submitted by the Financial Services Authority.

32. Report on the implementation of the BUK recovery action plan in health improvement.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 68 paragraph (7)

Deadline: At most on the seventh working day of the following month.

33. BUK Report in health improvement.

Regulation: OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks

Article: Article 75 paragraph (2)

Deadline: At most 3 (three) working days since the bank is designated as a bank in health improvement.

34. Action Plan to fulfill the net stable funding ratio – BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Article: Article 13 paragraph (2)

Deadline: At the latest by the end of the following month since the BUK has a net stable funding ratio of less than 100% (one hundred percent).

35. Action Plan to fulfill the net stable funding ratio – BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Article: Article 13 paragraph (2)

Deadline: At the latest by the end of the following month since the BUK has a net stable funding ratio of less than 100% (one hundred percent).

36. Net Stable Funding Ratio Working Paper and Net Stable Funding Ratio Report - BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Article: Article 13 paragraph (1) letter b

Deadline: At the latest by the end of the month after the reporting month, since the BUK has a net stable funding ratio of less than 100% (one hundred percent).

37. Net Stable Funding Ratio Working Paper and Net Stable Funding Ratio Report - BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

Article: Article 13 paragraph (1) letter a

Deadline: At the latest on the 15th after the reporting month, since the BUK has a net stable funding ratio of less than 100% (one hundred percent).

2. Group of Business Activity Information

Article	Regulation	Deadline
1. Report on the implementation of KCBLN business activities (related to the opening of KCBLN)	OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks<br>Article 108 paragraph (2)	At most 10 (ten) working days after the date of operational activity implementation
2. Report on the implementation of intermediary bank business activities	OJK Regulation No. 5 of 2024 on the Determination of Supervision Status and Handling of Problems of Conventional Commercial Banks<br>Article 109 paragraph (2)	At most 10 (ten) working days after the date of business activity implementation
3. Report on the implementation of banking business activities	OJK Regulation No. 41/POJK.03/2019 on the Merger, Consolidation, Takeover, Integration, and Conversion of Conventional Commercial Banks<br>Article 69 paragraph (6)	At the latest 10 (ten) working days after the date of operational activity implementation
4. Report on the implementation of BHI business activities	OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks<br>Article 20 paragraph (2)	At most 10 (ten) working days after the date of operational activity implementation
5. Report on changes to the plan for the implementation of BUK products	OJK Regulation No. 13/POJK.03/2021 on the Implementation of Conventional Commercial Bank Products<br>Article 19 paragraph (2)	At the latest by the end of March, June, and September of the current year
6. Report on the implementation of activities for BUKs conducting activities as credit enhancement providers, liquidity facility providers, servicers, and/or custodian banks	OJK Regulation No. 11/POJK.03/2019 on Prudential Principles in Asset Securitization Activities for Conventional Commercial Banks<br>Article 14 paragraph (2)	At most 7 (seven) working days after the agreement is signed
7. Copy of banking synergy cooperation agreements, including amendments	OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks<br>Article 144 paragraph (1) and paragraph (3)	At most:
a. 5 (five) working days since the date of the cooperation agreement; and b. 5 (five) working days since the date of the amendment to the cooperation agreement
8. Report on the termination of banking synergy cooperation before the cooperation agreement period is complete	OJK Regulation No. 12/POJK.03/2021 on Conventional Commercial Banks<br>Article 144 paragraph (4)	At most 30 (thirty) working days before the effective date of the termination of the cooperation agreement
---	---	---
9. Report on the plan to transfer financial assets or Sharia assets in asset securitization activities comprehensively	OJK Regulation No. 11/POJK.03/2019 on Prudential Principles in Asset Securitization Activities for Conventional Commercial Banks<br>Article 14 paragraph (1) letter a	At the latest 60 (sixty) days before the financial asset transfer agreement is signed
10. Report on the implementation of the transfer of financial assets or Sharia assets in asset securitization activities comprehensively	OJK Regulation No. 11/POJK.03/2019 on Prudential Principles in Asset Securitization Activities for Conventional Commercial Banks<br>Article 14 paragraph (1) letter b	At most 7 (seven) working days after the financial asset transfer agreement is signed
11. Report on the evaluation of digital service implementation	OJK Regulation No. 21 of 2023 on Digital Services by Conventional Commercial Banks<br>Article 32 paragraph (2)	At most 3 (three) months after the implementation of digital services meeting the criteria for new products

3. Group of Institutional Information

Article	Regulation	Deadline
1. Report on the implementation of BUK merger or consolidation	OJK Regulation No. 41/POJK.03/2019 on the Merger, Consolidation, Takeover, Integration, and Conversion of Conventional Commercial Banks<br>Article 21 letter d	At the latest 5 (five) working days after the date the merger or consolidation becomes effective
2. Report on the implementation of BUK takeover	OJK Regulation No. 41/POJK.03/2019 on the Merger, Consolidation, Takeover, Integration, and Conversion of Conventional Commercial Banks<br>Article 38 letter b	At the latest 5 (five) working days after the date the takeover becomes effective
3. Report on the implementation of BUK integration	OJK Regulation No. 41/POJK.03/2019 on the Merger, Consolidation, Takeover, Integration, and Conversion of Conventional Commercial Banks<br>Article 57 letter b number 4	At the latest 5 (five) working days after the date the integration becomes effective
4. Plan for changes to the business group structure related to BUK, including the legal entity owning BUK up to ultimate shareholders	OJK Regulation No. 27/POJK.03/2016 on the Assessment of Competence and Integrity of Key Parties of Financial Service Institutions<br>Article 30 paragraph (1)	At the latest 1 (one) month before the occurrence of the change

Article
Regulation
Deadline
Deadline

Report on change of legal entity form of Head Office
KPBLN
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 122 paragraph (1) no later than 30 (thirty) working days after the date of approval of the change of legal entity by the local country authority
Report on change of legal entity form of Head Office
KCBLN
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 113 paragraph (1) no later than 30 (thirty) working days after the date of approval of the change of legal entity by the local country authority
Proof of announcement of change of legal entity form of Head Office
KCBLN
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 113 paragraph (4) no later than 10 (ten) working days since the date of announcement
Report on change of bank's articles of association
BHI
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 95 no later than 10 (ten) working days after the date of implementation of operational activities, after receiving approval or notification of change of articles of association from the competent authority
Closing balance sheet of BHI bank audited by public accountant related to revocation of business license of BHI bank
BHI
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 139 paragraph (1) no later than 10 (ten) working days since the date of decision to revoke business license from OJK
Information on implementation of logo change and proof of announcement of logo change of BHI bank
BHI
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 92 paragraph (3) no later than 10 (ten) working days since the effective date of logo change

Article
Regulation
Deadline
Deadline

Proof of announcement of name change
KCBLN
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 113 paragraph (4) no later than 10 (ten) working days since the date of announcement
Information on implementation of logo change and proof of announcement of logo change
KCBLN
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 114 paragraph (2) no later than 10 (ten) working days since the effective date of logo change in Indonesia
Proof of announcement of name change of BHI bank
BHI
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 91 paragraph (6) no later than 10 (ten) working days since the date of announcement
Report on settlement of all rights and obligations of UUS upon revocation of business license of UUS
UUS
OJK Regulation No. 12 of 2023 concerning Sharia Business Units
Article 63 paragraph (3) no later than 10 (ten) working days after settlement of all rights and obligations
Report on appointment and dismissal of head of internal audit work unit
OJK Regulation No. 1/POJK.03/2019 concerning Implementation of Internal Audit Function on Conventional Commercial Banks
Article 19 letter c no later than 10 (ten) working days after the date of appointment or dismissal of head of internal audit work unit
Report on appointment of principal party
BUK
OJK Regulation No. 27/POJK.03/2016 concerning Assessment of Competence and Propriety for Principal Parties of Financial Service Institutions
Article 25 paragraph (3) no later than 7 (seven) working days after appointment, in case there are no regulations governing reporting of changes to principal parties

Article
Regulation
Deadline
Deadline

Report on cancellation of appointment of candidates for directors, candidates for commissioners, and/or candidates for Sharia supervisory board members who were not approved by OJK but have been appointed
a. OJK Regulation No. 27/POJK.03/2016 concerning Assessment of Competence and Propriety for Principal Parties of Financial Service Institutions b. OJK Regulation No. 2 of 2024 concerning Implementation of Sharia Governance for Sharia Commercial Banks and Sharia Business Units
Article 26 paragraph (3) no later than 7 (seven) working days after the general meeting of shareholders (GMS) cancellation of appointment of candidates for directors, candidates for commissioners, and/or candidates for Sharia supervisory board members, in case there are no regulations governing reporting of changes to principal parties
Report on temporary replacement of director who oversees compliance function
OJK Regulation No. 46/POJK.03/2017 concerning Implementation of Compliance Function of Conventional Commercial Banks
Article 9 paragraph (7) before the acting official effectively performs duties
Report on follow-up of dismissal of principal party who is prohibited from becoming principal party of management and/or principal party of official
OJK Regulation No. 34/POJK.03/2018 concerning Re-assessment for Principal Parties of Financial Service Institutions
Article 15 paragraph (3) no later than 10 (ten) working days since:
a. date of GMS holding for dismissal of principal party of management; and/or b. date of dismissal of principal party of official
Report on dismissal, resignation or death of KCBLN director members
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 50 paragraph (1) no later than 10 (ten) working days since the date of letter of dismissal, resignation, or declaration of death

Article
Regulation
Deadline
Deadline

Report on appointment of KCBLN director members
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 49 paragraph (5) no later than 10 (ten) working days after the effective date of appointment
Report on dismissal, resignation or death of BHI bank director members, commissioner members, and/or Sharia supervisory board members
a. OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks b. OJK Regulation No. 12 of 2023 concerning Sharia Business Units a. Article 50 paragraph (1) b. Article 19 paragraph (1) no later than 10 (ten) working days since the date of letter of dismissal, resignation, or declaration of death
Report on appointment of KPBLN leader
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 49 paragraph (5) no later than 10 (ten) working days after the effective date of appointment
Report on dismissal, resignation or death of KPBLN leader
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 50 paragraph (1) no later than 10 (ten) working days since the date of letter of dismissal, resignation, or declaration of death
Report on relocation of KPBLN address
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 121 no later than 10 (ten) working days after the effective date of implementation of KPBLN address relocation
Report on temporary change of office network
a. OJK Regulation No. 22 of 2025 concerning Reporting of Conventional Commercial Banks via OJK Reporting System b. OJK Circular concerning reporting of conventional commercial banks via OJK Reporting System N/A no later than at the time of temporary change

Article
Regulation
Deadline
Deadline

Report on appointment of foreign workers as executive officials
OJK Regulation No. 37/POJK.03/2017 concerning Utilization of Foreign Workers and Knowledge Transfer Program in the Banking Sector
Article 20 paragraph (5) no later than 10 (ten) working days after the effective date of appointment
Report on transfer of share ownership for candidate controlling shareholders not approved by OJK but have already held shares
BUK
OJK Regulation No. 27/POJK.03/2016 concerning Assessment of Competence and Propriety for Principal Parties of Financial Service Institutions
Article 22 paragraph (3) no later than 7 (seven) working days after GMS approves transfer of share ownership, in case there are no legal regulations governing reporting of changes to articles of association related to change of ownership
Report on share purchase that does not result in change of control and is intended to be recorded in BUK ownership
OJK Regulation No. 41/POJK.03/2019 concerning Merger, Consolidation, Takeover, Integration, and Conversion of Conventional Commercial Banks
Article 40 paragraph (2) no later than 10 (ten) working days since the date of receipt of notification from the Ministry of Law regarding change of articles of association

Article
Regulation
Deadline
Deadline

Report on transfer of share ownership for principal parties prohibited from becoming controlling principal parties or holding shares
OJK Regulation No. 34/POJK.03/2018 concerning Re-assessment for Principal Parties of Financial Service Institutions
Article 12 paragraph (6) no later than 10 (ten) working days after GMS approves transfer of share ownership
Report on progress of fulfillment of requirements for BUK to be taken over by parties who have become controlling shareholders in more than one bank
OJK Regulation No. 39/POJK.03/2017 concerning Single Ownership in Indonesian Banking N/A submitted at any time every quarter to OJK since BUK's approval of the plan to fulfill requirements
Information on change of paid-up capital of BHI bank caused by dividends distributed in the form of shares
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 40 paragraph (1) no later than 10 (ten) working days after change is made
Information on change of basic capital of BHI bank
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 43 paragraph (1) no later than 10 (ten) working days after the date of approval of change of articles of association from the competent authority
Group of Other Information
Article
Regulation
Deadline
Deadline
Minutes of GMS other than part of the licensing process or reporting in OJK Regulations concerning conventional commercial banks
OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks
Article 150 paragraph (1) a. no later than 14 (fourteen) working days after GMS is held, provided that the minutes of GMS mentioned have not been submitted as complete documents in OJK Regulation No. 12/POJK.03/2021 concerning Conventional Commercial Banks or other OJK regulations
b. for BUK in the form of a public company, the submission period for the minutes of GMS mentioned is in accordance with OJK Regulations concerning the plan and implementation of general meetings of shareholders of public companies
Divestment implementation plan
OJK Regulation No. 22 of 2022 concerning Capital Participation Activities by Conventional Commercial Banks
Article 23 paragraph (1) no later than 7 (seven) working days before divestment is carried out
Report on results of cybersecurity testing based on scenarios
OJK Regulation No. 11/POJK.03/2022 concerning Implementation of Information Technology by Conventional Commercial Banks
Article 25 paragraph (3) no later than 10 (ten) working days after cybersecurity testing is completed

Article
Regulation
Deadline
Deadline

Report on results of review by independent external parties
OJK Regulation No. 1/POJK.03/2019 concerning Implementation of Internal Audit Function on Conventional Commercial Banks
Article 21 paragraph (1)
letter d no later than 2 (two) months after the assessment period ends
Report in case BUK decides to stop using IT service provider as follow-up to be taken to overcome problems
OJK Regulation No. 11/POJK.03/2022 concerning Implementation of Information Technology by Conventional Commercial Banks
Article 32 paragraph (2)
letter c no later than 3 (three) working days after BUK stops using IT service provider before the end of the contract period
Report on results of evaluation and audit of foreign financial product agency activities
OJK Regulation No. 8/POJK.03/2016 concerning Prudence Principles in Implementing Foreign Financial Product Agency Activities by Conventional Commercial Banks
Article 12 paragraph (2) no later than 5 (five) working days after audit results report is completed
Others a. OJK Regulation No. 22 of 2025 concerning Reporting of Conventional Commercial Banks via OJK Reporting System
b. OJK Circular concerning
N/A in accordance with regulations governing submission of reports via OJK Reporting System

This copy is consistent with the original
Head of Legal Development Directorate
Legal Department signed.
Aat Windradi

Article
Regulation
Deadline
Deadline

reporting of conventional commercial banks via OJK Reporting System

Established in Jakarta on 28 November 2025
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,
DIAN EDIANA RAE signed.

APPENDIX II
CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY REPUBLIC OF INDONESIA NUMBER 31/SEOJK.03/2025 CONCERNING REPORTING OF CONVENTIONAL COMMERCIAL BANKS VIA THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

GUIDELINES FOR PREPARING PERIODIC REPORTS
FOR BUK AND KPBLN

Table of Contents
CHAPTER I PERIODIC REPORTS OF BUK................................................................ 9
I. FINANCIAL INFORMATION GROUP ...................................................... 9
A. DAILY LIQUIDITY MONITORING REPORT.................................. 9

Report Format...................................................................... 10
Filling Guidelines................................................................. 13
B. CREDIT BASE INTEREST RATE DETAIL REPORT........................ 21
C. MONTHLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION REPORT ................................................................... 21
D. LARGEST FINANCING AND FUNDING REPORT ................. 22
Report Format...................................................................... 23
Filling Guidelines................................................................. 23
E. BUSINESS PLAN REALIZATION REPORT ........................................ 27
Foreign Financial Product Agency Activities Report .... 28
a. Report Format............................................................... 29
b. Filling Guidelines ......................................................... 30
Periodic Bancassurance Report ............................................. 32
Outstanding Structured Products Transactions Report................ 33
a. Report Format............................................................... 34
b. Filling Guidelines ......................................................... 35
Report on Appointment of Foreign Workers as Experts or Consultants....................................................................... 39
Trust Activities Report........................................................... 40
a. Quantitative Information ....................................................... 41

Report Format ....................................................... 41
Filling Guidelines .................................................. 46
b. Qualitative Information ......................................................... 54
Report Format ....................................................... 54
Filling Guidelines .................................................. 55

Problematic Outsourcing Report....................................... 56
Information on Proof of Settlement of Rights and Obligations of Regional Offices, Branch Offices, and Offices Abroad to Customers and/or Other Parties in connection with the Closure of Regional Offices, Branch Offices, and Offices Abroad ............... 56
Information on Proof of Settlement of Rights and Obligations of Sub-Branch Offices to Customers and/or Other Parties in connection with the Closure of Sub-Branch Offices......................... 56
F. QUARTERLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION REPORT ..................................... 57
G. BUSINESS PLAN SUPERVISION REPORT................................... 57
H. BANK BUSINESS PLAN ................................................................ 58
Bank Product Implementation Plan................................. 59
Outsourcing Plan ................................................................. 62
Interest Rates ........................................................................... 65
Export-Import Credit Granting Plan..................................... 69
Credit Granting Plan to Third Parties to Banks and Non-Bank Third Parties Based on Type of Use................... 70
Laku Pandai Program Implementation Plan........................... 72
Credit Granting Plan...................................................... 72
Current Year KUR Credit Granting Plan..................... 72
I. ANNUAL REPORT RELATED TO FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION ........................................ 73
J. REPORT OF BANKS THAT ARE PART OF THE BUSINESS GROUP........................................................................................... 74
II. RISK AND CAPITAL INFORMATION GROUP............................ 75
A. MINIMUM CAPITAL REQUIREMENT AND RISK-WEIGHTED ASSETS COMPLIANCE REPORT................................................... 75
Calculation of CAR Ratio ....................................................... 77
a. Report Format............................................................... 77

Table 1A - CAR Ratio Calculation - BUK individually ................................................................... 77
Table 1B: CAR Ratio Calculation – KCBLN........... 80
Table 1C: CAR Ratio Calculation – BUK consolidated............................................................... 81
b. Filling Guidelines ......................................................... 84

Disclosure and Additional Explanations .............................. 85
a. Report Format............................................................... 85
b. Filling Guidelines ......................................................... 85
B. LIQUIDITY COVERAGE RATIO REPORT......................................... 86
Quantitative Information............................................................... 87
a. Report Format............................................................... 87
b. Filling Guidelines ....................................................... 102
Qualitative Information............................................................... 104
a. Report Format............................................................. 104
b. Filling Guidelines ....................................................... 104
C. INTRADAY LIQUIDITY REPORT............................................... 105
D. LIQUIDITY COVERAGE RATIO REPORT IN SIGNIFICANT FOREIGN CURRENCY ....................................................................... 105
E. FUNDING PROFILE REPORT ................................................... 105
F. BMPK AND LARGE FUNDING PROVISION REPORT....................... 105
G. REPORT FROM BRANCH OFFICES OF BANKS LOCATED ABROAD REGARDING COMPLIANCE WITH CAPITAL EQUIVALENCY MAINTAINED ASSETS (CEMA)............................... 106
Report Format.................................................................... 107
Filling Guidelines............................................................... 108
H. LEVERAGE RATIO COMPLIANCE REPORT ..................................... 110

I. NET STABLE FUNDING RATIO WORKING PAPERS AND NET STABLE FUNDING RATIO REPORT.............................................................. 110
J. ASSET QUALITY REPORT AND PROVISION FOR IMPAIRMENT LOSS (PPKA) - BANK CONSOLIDATED................................................................ 110
K. SURVIVAL PERIOD MONITORING REPORT .................................. 110
L. SENSITIVITY TO MARKET RISK-INTEREST RATE REPORT.............. 111

Report Format.................................................................... 112
Filling Guidelines............................................................... 112
M. RISK PROFILE REPORT ............................................................ 114
Risk Profile for Banks....................................................... 115
a. Report Format............................................................. 115
b. Filling Guidelines ....................................................... 116
Supporting Documents ........................................................... 117
N. IMPLEMENTATION REPORT AND MAIN FINDINGS OF INTERNAL AUDIT .................................................................................................... 118
Internal Audit Summary......................................................... 119
a. Report Format............................................................. 119
b. Filling Guidelines ....................................................... 120
Implementation Report and Main Findings of Internal Audit ... 121
O. SELF-ASSESSMENT REPORT ON BANK HEALTH LEVEL ...................................................................... 122
Self-Assessment of Bank Health Level .................... 123
a. Report Format............................................................. 123
b. Filling Guidelines ....................................................... 124
Supporting Documents. .......................................................... 127
P. COMPLIANCE REPORT................................................................ 128
a. Report Format.................................................................... 129
b. Filling Guidelines............................................................... 129
Q. ANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING (AML/CFT) REPORT.......................................................... 130
R. INTERNAL LIQUIDITY ADEQUACY ASSESSMENT PROCESS (ILAAP) IMPLEMENTATION REPORT ................................................... 135
S. RECOVERY ACTION PLAN UPDATE REPORT .................. 135
T. RISK-WEIGHTED ASSETS FOR OPERATIONAL RISK REPORT............................................................................. 135
III. PRODUCT, ACTIVITIES AND OPERATIONS INFORMATION GROUP..... 136
A. PROGRESS REPORT ON LAKU PANDAI IMPLEMENTATION 136
Form 010 - Report on Active and Closed Laku Pandai Agents........ 137
Form 02A - Quantitative Data on Laku Pandai Implementation .. 143
Form 03A - Other Quantitative Data in Laku Pandai Implementation Without Agents ...................................................... 147
Form 04A - Service Rejection Data in Laku Pandai Implementation ......................................................................... 150

Form 060 - Report on Violations Committed by Laku Pandai Agents and Follow-up on Resolution .......................... 152
Form 070 - Report on Issues with Laku Pandai Agents and Follow-up on Resolution ........................................................ 154
Form 080 - Report on Customer Issues and Follow-up on Resolution ................................................................... 156
Form 090 - Aggregate Report on Laku Pandai Development ..... 158
B. INFORMATION TECHNOLOGY DEVELOPMENT PLAN ................ 160
C. REPORT ON CURRENT CONDITIONS OF INFORMATION TECHNOLOGY IMPLEMENTATION.................................................................................. 160
IV. GROUP OF CORE DATA INFORMATION.......................................... 161
A. OFFICE NETWORK DATA REPORT ........................................... 161
Report Format.................................................................... 162
Filling Guidelines ............................................................... 163
B. REPORT ON DETAILED LIST OF RELATED PARTIES WITH THE BANK...... 172
Form 1 - Individuals or Companies that are Controllers of the Bank................................................................... 174
a. Report Format............................................................. 174
b. Filling Guidelines ....................................................... 174
Form 2 - Legal Entities when the Bank Acts as Controller............................................................................ 175
a. Report Format............................................................. 175
b. Filling Guidelines ....................................................... 176
Form 3 - Companies when Individuals or Companies Act as Controllers ............................................... 177
a. Report Format............................................................. 177
b. Filling Guidelines ....................................................... 178
Form 4 - Parties with Horizontal or Vertical Family Relationships........................................................ 179
a. Report Format............................................................. 179
b. Filling Guidelines ....................................................... 179
Form 5 - Members of the Board of Directors and/or Members of the Board of Commissioners at Companies.................................................................. 181
a. Report Format............................................................. 181
b. Filling Guidelines ....................................................... 181
Form 6 - Companies with Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners who are Members of the Board of Commissioners at the Bank ................ 181
a. Report Format............................................................. 181
b. Filling Guidelines ....................................................... 182
Form 7 - Companies where 50% or More of the Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners at the Company.................................................. 182
a. Report Format............................................................. 182
b. Filling Guidelines ....................................................... 182
Form 8 - Companies with Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners acting as Controllers................................................................ 183
a. Report Format............................................................. 183
b. Filling Guidelines ....................................................... 183
Form 9 - Collective Investment Contracts (KIC) where the Bank and/or parties hold 10% or more of the shares in the investment manager of such collective investment contracts........................................ 183
a. Report Format............................................................. 183
b. Filling Guidelines ....................................................... 184
Form 10 - Companies having financial relationships with the Bank and/or parties............................................... 184
a. Report Format............................................................. 184
b. Filling Guidelines ....................................................... 184
Form 11 - Borrowers having financial relationships through guarantees .......................................................................... 184
a. Report Format............................................................. 184
b. Filling Guidelines ....................................................... 185
Form 12 - Other Banks having financial relationships through providing guarantees............................................................... 185
a. Report Format............................................................. 185
b. Filling Guidelines ....................................................... 185
C. REPORT ON HUMAN RESOURCES DATA OF INDONESIAN BANKING
.................................................................................................... 186
Table 1: Core HR Data ..................................................... 187
a. Report Format............................................................. 187
b. Filling Guidelines ....................................................... 188
Table 2: Job History Data ............................................. 200
a. Report Format............................................................. 200
b. Filling Guidelines ....................................................... 201
Table 3: Work History Data........................................... 208
a. Report Format............................................................. 208
b. Filling Guidelines ....................................................... 208
Table 4: Formal Education History Data............................. 210
a. Report Format............................................................. 210
b. Filling Guidelines ....................................................... 210
Table 5: Training/Certification History Data.......................... 211
a. Report Format............................................................. 211
b. Filling Guidelines ....................................................... 211
Table 6: HR Management Performance of BUK................................. 213
a. Report Format............................................................. 213
b. Filling Guidelines........................................................... 214
Table 7: Workforce Needs Prediction............................ 222

a. Report Format............................................................. 222
b. Filling Guidelines ....................................................... 223
8. Table 8: Bank HR Remuneration Data ................................... 225
a. Report Format............................................................. 225
b. Filling Guidelines ....................................................... 226
9. Table 9: Shareholder Data ............................................ 229
a. Report Format............................................................. 229
b. Filling Guidelines ....................................................... 230
CHAPTER II PERIODIC REPORTING OF FOREIGN BRANCHES......................... 236
FINANCIAL INFORMATION GROUP ...................................................... 236
A. PERIODIC REPORT OF FOREIGN BRANCHES RELATED TO DEBTORS IN INDONESIA RECEIVING LOANS AND/OR BANK GUARANTEES FROM HEAD OFFICE OR BRANCHES ABROAD 236

Report Format.................................................................... 237
Filling Guidelines............................................................... 237
B. WORK PLAN FOR FOREIGN BRANCHES............................................................. 241

CHAPTER I
PERIODIC REPORTING OF CONVENTIONAL COMMERCIAL BANKS (BUK)
I. FINANCIAL INFORMATION GROUP
A. DAILY LIQUIDITY MONITORING REPORT
The Daily Liquidity Monitoring Report is a Report containing information on the nominal values of several items and financial ratios that provide an overview of the liquidity position of the BUK.

Report Format
Daily Liquidity Monitoring Report
No. Items - Financial Items and Financial Ratios Rupiah Foreign Currency Total A. Financial Items
Deposits at Bank Indonesia
a. Main Rupiah Required Reserves (GWM) b. Macroprudential Intermediation Ratio Required Reserves (GWM)
c. Macroprudential Liquidity Buffer Required Reserves (GWM)
d. Other Deposit Liabilities e. Excess Reserve I
Excess Reserve II
a. Government Securities (SBN) b. Bank Indonesia Certificates (SBI)
c. Sharia Bank Indonesia Certificates (SBIS)
d. Bank Indonesia Deposit Certificates (SDBI) e. Other Securities Included as Liquid Instruments
Final Excess Reserve
Cash
Monetary Operations (MO)
a. Term Deposits (TD) in Rupiah and Foreign Currency b. Reverse Repo SBN
c. Repo (SBI & SBN) -/-
d. Deposit Facility e. Bank Indonesia Sharia Deposit Facility f. Lending/Financing Facility -/-

Repo (SBIS & SBSN) -/-
Bank Indonesia Sharia Liquidity Facility (FLISBI) -/-
g. Bank Indonesia Sharia Liquidity Management (PASBI)

Total Liquid Assets (LA)
Placements at Other Banks
a. Interbank Call Money b. Deposit on Call
c. Time Deposit and Certificate Deposit
d. Others
Securities Held
a. Fair Value Through Profit or Loss b. Fair Value Through Other Comprehensive Income
c. Amortized Cost
Loans/Financing Provided
a. Working Capital

No. Items - Financial Items and Financial Ratios Rupiah Foreign Currency Total b. Investment
c. Consumption
10. Drawdown Allowance - Loans/Financing Provided
11. Third-Party Funds (DPK)
a. Deposits

Deposits based on Conventional Principles
Deposits based on Sharia Principles
a) Wadiah Contract b) Mudarabah Contract – Non Profit Sharing b. Savings
Savings based on Conventional Principles
Savings based on Sharia Principles
a) Wadiah Contract b) Mudarabah Contract – Non Profit Sharing
c. Time Deposits
Time Deposits based on Conventional Principles
Time Deposits based on Sharia Principles - Mudarabah Contract - Non Profit Sharing

Liabilities to Other Banks
a. Interbank Call Money b. Deposit on Call
c. Time Deposit and Certificate Deposit
d. Others
Securities Issued
a. Subordinated b. Others
Loans/Financing Received
a. Subordinated b. Others
Net Interbank (NAB)
Vostro
Nostro
Short-term Funding Facilities
GWM Violations
Fund Placements by Deposit Insurance Agency
Reserves
a. Primary Reserve b. Secondary Reserve
c. Tertiary Reserve

No. Items - Financial Items and Financial Ratios Rupiah Foreign Currency Total
22. Interest Rates (%)
a. Loans

Corporate Loans (%)
Retail Loans (%)
Micro Loans (%)
a) Mortgage Loans (KPR) (%) b) Non-Mortgage Loans (%) b. Third-Party Funds
Savings
a) Highest Interest Rate (%) b) Lowest Interest Rate
Deposits
a) Highest Interest Rate (%) b) Lowest Interest Rate
Time Deposits
a) Highest Interest Rate (%) b) Lowest Interest Rate

Reward Percentage (%)
a. Financing

Corporate Financing (%)
Retail Financing (%)
Micro Financing (%)
a) Mortgage Financing (KPR) (%) b) Non-Mortgage Financing (%) b. Third-Party Funds
Savings
a) Highest Reward (%) b) Lowest Reward (%)
Deposits
a) Highest Reward (%) b) Lowest Reward (%)
Time Deposits
a) Highest Reward (%) b) Lowest Reward (%)
B. Financial Ratios

Loan to Deposit Ratio (LDR)
Financing to Deposit Ratio (FDR)
Filling Guidelines
BUK fills in monetary information on financial items in full units. The "Rupiah" column is filled with the value of financial items in Rupiah. The "Foreign Currency" column is filled with the value resulting from the conversion of the original currency to Rupiah using the exchange rate on the reporting date. The total column is the sum of the Rupiah column and the Foreign Currency column. a. Financial Items

Deposits at Bank Indonesia
a) Main Rupiah Required Reserves (GWM)
Filled with the Main Rupiah Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. b) Macroprudential Intermediation Ratio Required Reserves (GWM) Filled with the Macroprudential Intermediation Ratio Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. c) Macroprudential Liquidity Buffer Required Reserves (GWM) Filled with the Macroprudential Liquidity Buffer Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. d) Other Deposit Liabilities Filled with other deposit liabilities other than Main Rupiah Required Reserves, Macroprudential Intermediation Ratio Required Reserves, and Macroprudential Liquidity Buffer Required Reserves. e) Excess Reserve I Filled with the excess balance of the BUK's Rupiah deposit account from the Primary Required Reserve and LDR Required Reserve that must be maintained at Bank Indonesia in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units.
Excess Reserve II
a) Government Securities (SBN)
Filled with SBN and SBSN of repo and non-repo types held by the BUK. b) Bank Indonesia Certificates (SBI) Filled with SBI of repo and non-repo types held by the BUK. c) Sharia Bank Indonesia Certificates (SBIS) Filled with SBI of repo and non-repo types held by the BUK. d) Bank Indonesia Deposit Certificates (SDBI) Filled with SDBI of repo and non-repo types held by the BUK. e) Other Securities Included as Liquid Instruments Filled with other securities included as liquid instruments (including Sharia-based securities such as SUKBI, SBSN, SUVBI) held by the bank in Rupiah and foreign currency.
Final Excess Reserve
Filled with the sum of the values of Excess Reserve I and Excess Reserve II.
Cash
Filled with the BUK's cash.
Monetary Operations (MO)
Monetary Operations refer to provisions of legislation regarding monetary control, provisions of legislation regarding monetary operations, and provisions of legislation regarding standing facilities. a) Term Deposits (TD) in Rupiah and Foreign Currency Filled with term deposit placements held by the BUK at Bank Indonesia. b) Reverse Repo SBN Filled with SBN of reverse repo nature held by the BUK. c) Repo (SBI & SBN) -/- Filled with SBI and SBN of repo type held by the BUK. d) Deposit Facility (1) Filled with the deposit facility held by the BUK. (2) Deposit Facility is a facility for BUKs with excess liquidity by placing their funds with Bank Indonesia. e) Bank Indonesia Sharia Deposit Facility (1) Filled with the Bank Indonesia Sharia Deposit Facility (FASBIS) held by the BUK. (2) FASBIS is a facility provided by Bank Indonesia to BUKs to place their funds at Bank Indonesia for open market operation activities. f) Lending/Financing Facility -/- Lending Facility is a facility for BUKs experiencing liquidity difficulties by re-pledging SBI/SDBI/SBN held by them to Bank Indonesia. (1) Repo (SBIS & SBSN) -/- Filled with SBIS and SBSN of repo type held by the bank. (2) Bank Indonesia Sharia Liquidity Facility (FLISBI) -/- Filled with the nominal amount of fund provision based on Sharia principles from Bank Indonesia to banks with collateral in the form of Sharia-compliant securities. g) Bank Indonesia Sharia Liquidity Management (PASBI) Filled with fund provision based on Sharia principles from Bank Indonesia to banks for liquidity management with collateral in the form of Sharia-compliant securities.
Total Liquid Assets (LA)
a) Total liquid assets include all components of current assets that are easily accessible and used by BUKs as providers of cash funds in a short time. b) Filled with the total of Final Excess Reserve, Cash, and Monetary Operations.
Placements at Other Banks
Placements or deposits owned by BUK at other banks, whether banks conducting operational activities in Indonesia or outside Indonesia, including BUK placements at people's economy banks and Sharia people's economy banks. a) Interbank Call Money Filled with fund placements made by BUK at other banks with the type of interbank call money. b) Deposit on Call Filled with fund placements made by BUK at other banks with the type of deposit on call. c) Time Deposit and Certificate Deposit Filled with fund placements made by BUK at other banks with the type of time deposit and certificate deposit. d) Others Filled with fund placements made by BUK at other banks with types other than interbank call money, deposit on call, time deposit, and certificate deposit.
Securities Held
Securities held are all securities, whether in Rupiah or foreign currency, purchased or held by BUK. a) Fair Value Through Profit or Loss Filled with securities held by BUK categorized as fair value through profit or loss. b) Fair Value Through Other Comprehensive Income Filled with securities held by BUK categorized as fair value through other comprehensive income. c) Amortized Cost Filled with securities held by BUK categorized as amortized cost.
Loans/Financing Provided
Provision of money or credits that can be equated with it, based on loan borrowing agreements or consensus between BUK and other parties, obligating the borrower to repay their debt after a certain period with interest, or in other forms including overdrafts in the form of negative balances in customer deposit accounts that cannot be fully paid at the end of the day, takeover of credits in the context of factoring activities, and takeover or purchase of loans or financing from other parties. Financing from other parties includes profit-sharing transactions, leasing transactions, sales transactions, loan transactions, and service leasing transactions in accordance with Sharia principles for UUS. Filled with the book value (sum of reporting months) of loans or financing provided by BUK to third-party non-bank parties at the daily reporting submission position. a) Working Capital Filled with loans or financing intended for the working capital of the respective debtor. b) Investment Filled with loans or financing intended for the purchase of capital goods and services required for rehabilitation, modernization, expansion, relocation of business and/or establishment of new businesses. Included in the definition of investment is the purchase of facilities and infrastructure for business activities such as the purchase of motor vehicles for productive business (including city transport and ojek). c) Consumption Filled with loans or financing intended for consumption needs.
Drawdown Allowance - Loans/Financing Provided
Filled with the drawdown allowance of BUK to third-party non-bank parties.
Third-Party Funds (DPK)
Third-Party Funds include funds obtained by banks from the public in the form of deposit, savings, and time deposits. a) Deposits (1) Filled with third-party funds of the deposit type. (2) Deposits consist of deposits based on conventional principles and deposits based on Sharia principles. (3) Deposits based on Sharia principles are deposits with Wadiah contracts and deposits with Mudarabah contracts – non profit sharing. b) Savings (1) Filled with third-party funds of the savings type. (2) Savings consist of savings based on conventional principles and savings based on Sharia principles. (3) Savings based on Sharia principles are savings with Wadiah contracts and savings with Mudarabah contracts – non profit sharing. c) Time Deposits (1) Filled with third-party funds of the time deposit type. (2) Time deposits consist of time deposits based on conventional principles and time deposits based on Sharia principles. (3) Time deposits based on Sharia principles are time deposits with Mudarabah contracts – non profit sharing.
Liabilities to Other Banks
BUK's liabilities to other banks, whether conducting operational activities in Indonesia or outside Indonesia, including people's economy banks and Sharia people's economy banks. a) Interbank Call Money Filled with liabilities to other banks of the interbank call money type. b) Deposit on Call Filled with liabilities to other banks of the deposit on call type. c) Time Deposit and Certificate Deposit Filled with liabilities to other banks of the time deposit and certificate deposit type. d) Others Filled with liabilities to other banks of types other than interbank call money, deposit on call, time deposit, and certificate deposit.
Securities Issued
Debt instruments issued by BUK, including securities meeting the criteria as capital as referred to in provisions of legislation regarding banking that were originally reported in loan capital. a) Subordinated Filled with securities issued of the subordinated type. b) Others Filled with other securities issued other than securities issued of the subordinated type.
Loans/Financing Received
Loans/Financing received include loans or financing calculated as capital that were originally reported in loan capital, excluding managed funds and lease financing liabilities. For UUS, financing received is financing received with Mudarabah - non profit sharing contracts and Mudarabah – profit sharing contracts. a) Subordinated Filled with loans or financing received of the subordinated type. b) Others Filled with loans or financing received other than of the subordinated type.
Net Interbank (NAB)
Filled with the difference between the account for placements at other banks minus liabilities to other banks.
Vostro
a) Filled with BUK's vostro. b) Vostro is an account owned by a foreign bank stored at a domestic bank.
Nostro
a) Filled with BUK's nostro.
Short-term Funding Facilities
GWM Violations
Fund Placements by Deposit Insurance Agency
Reserves
a) Primary Reserve b) Secondary Reserve c) Tertiary Reserve

No. Items - Financial Items and Financial Ratios Rupiah Foreign Currency Total
22. Interest Rates (%)
a. Loans

Corporate Loans (%)
Retail Loans (%)
Micro Loans (%)
a) Mortgage Loans (KPR) (%) b) Non-Mortgage Loans (%) b. Third-Party Funds
Savings
a) Highest Interest Rate (%) b) Lowest Interest Rate
Deposits
a) Highest Interest Rate (%) b) Lowest Interest Rate
Time Deposits
a) Highest Interest Rate (%) b) Lowest Interest Rate

Reward Percentage (%)
a. Financing

Corporate Financing (%)
Retail Financing (%)
Micro Financing (%)
a) Mortgage Financing (KPR) (%) b) Non-Mortgage Financing (%) b. Third-Party Funds
Savings
a) Highest Reward (%) b) Lowest Reward (%)
Deposits
a) Highest Reward (%) b) Lowest Reward (%)
Time Deposits
a) Highest Reward (%) b) Lowest Reward (%)
B. Financial Ratios

Loan to Deposit Ratio (LDR)
Financing to Deposit Ratio (FDR)
Filling Guidelines
BUK fills in monetary information on financial items in full units. The "Rupiah" column is filled with the value of financial items in Rupiah. The "Foreign Currency" column is filled with the value resulting from the conversion of the original currency to Rupiah using the exchange rate on the reporting date. The total column is the sum of the Rupiah column and the Foreign Currency column. a. Financial Items

Deposits at Bank Indonesia
a) Main Rupiah Required Reserves (GWM)
Filled with the Main Rupiah Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. b) Macroprudential Intermediation Ratio Required Reserves (GWM) Filled with the Macroprudential Intermediation Ratio Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. c) Macroprudential Liquidity Buffer Required Reserves (GWM) Filled with the Macroprudential Liquidity Buffer Required Reserves (GWM) in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units. d) Other Deposit Liabilities Filled with other deposit liabilities other than Main Rupiah Required Reserves, Macroprudential Intermediation Ratio Required Reserves, and Macroprudential Liquidity Buffer Required Reserves. e) Excess Reserve I Filled with the excess balance of the BUK's Rupiah deposit account from the Primary Required Reserve and LDR Required Reserve that must be maintained at Bank Indonesia in accordance with provisions of legislation regarding required reserves in Rupiah and foreign currency for conventional commercial banks, Sharia commercial banks, and Sharia business units.
Excess Reserve II
a) Government Securities (SBN)
Filled with SBN and SBSN of repo and non-repo types held by the BUK. b) Bank Indonesia Certificates (SBI) Filled with SBI of repo and non-repo types held by the BUK. c) Sharia Bank Indonesia Certificates (SBIS) Filled with SBI of repo and non-repo types held by the BUK. d) Bank Indonesia Deposit Certificates (SDBI) Filled with SDBI of repo and non-repo types held by the BUK. e) Other Securities Included as Liquid Instruments Filled with other securities included as liquid instruments (including Sharia-based securities such as SUKBI, SBSN, SUVBI) held by the bank in Rupiah and foreign currency.
Final Excess Reserve
Filled with the sum of the values of Excess Reserve I and Excess Reserve II.
Cash
Filled with the BUK's cash.
Monetary Operations (MO)
Monetary Operations refer to provisions of legislation regarding monetary control, provisions of legislation regarding monetary operations, and provisions of legislation regarding standing facilities. a) Term Deposits (TD) in Rupiah and Foreign Currency Filled with term deposit placements held by the BUK at Bank Indonesia. b) Reverse Repo SBN Filled with SBN of reverse repo nature held by the BUK. c) Repo (SBI & SBN) -/- Filled with SBI and SBN of repo type held by the BUK. d) Deposit Facility (1) Filled with the deposit facility held by the BUK. (2) Deposit Facility is a facility for BUKs with excess liquidity by placing their funds with Bank Indonesia. e) Bank Indonesia Sharia Deposit Facility (1) Filled with the Bank Indonesia Sharia Deposit Facility (FASBIS) held by the BUK. (2) FASBIS is a facility provided by Bank Indonesia to BUKs to place their funds at Bank Indonesia for open market operation activities. f) Lending/Financing Facility -/- Lending Facility is a facility for BUKs experiencing liquidity difficulties by re-pledging SBI/SDBI/SBN held by them to Bank Indonesia. (1) Repo (SBIS & SBSN) -/- Filled with SBIS and SBSN of repo type held by the bank. (2) Bank Indonesia Sharia Liquidity Facility (FLISBI) -/- Filled with the nominal amount of fund provision based on Sharia principles from Bank Indonesia to banks with collateral in the form of Sharia-compliant securities. g) Bank Indonesia Sharia Liquidity Management (PASBI) Filled with fund provision based on Sharia principles from Bank Indonesia to banks for liquidity management with collateral in the form of Sharia-compliant securities.
Total Liquid Assets (LA)
a) Total liquid assets include all components of current assets that are easily accessible and used by BUKs as providers of cash funds in a short time. b) Filled with the total of Final Excess Reserve, Cash, and Monetary Operations.
Placements at Other Banks
Placements or deposits owned by BUK at other banks, whether banks conducting operational activities in Indonesia or outside Indonesia, including BUK placements at people's economy banks and Sharia people's economy banks. a) Interbank Call Money Filled with fund placements made by BUK at other banks with the type of interbank call money. b) Deposit on Call Filled with fund placements made by BUK at other banks with the type of deposit on call. c) Time Deposit and Certificate Deposit Filled with fund placements made by BUK at other banks with the type of time deposit and certificate deposit. d) Others Filled with fund placements made by BUK at other banks with types other than interbank call money, deposit on call, time deposit, and certificate deposit.
Securities Held
Securities held are all securities, whether in Rupiah or foreign currency, purchased or held by BUK. a) Fair Value Through Profit or Loss Filled with securities held by BUK categorized as fair value through profit or loss. b) Fair Value Through Other Comprehensive Income Filled with securities held by BUK categorized as fair value through other comprehensive income. c) Amortized Cost Filled with securities held by BUK categorized as amortized cost.
Loans/Financing Provided
Provision of money or credits that can be equated with it, based on loan borrowing agreements or consensus between BUK and other parties, obligating the borrower to repay their debt after a certain period with interest, or in other forms including overdrafts in the form of negative balances in customer deposit accounts that cannot be fully paid at the end of the day, takeover of credits in the context of factoring activities, and takeover or purchase of loans or financing from other parties. Financing from other parties includes profit-sharing transactions, leasing transactions, sales transactions, loan transactions, and service leasing transactions in accordance with Sharia principles for UUS. Filled with the book value (sum of reporting months) of loans or financing provided by BUK to third-party non-bank parties at the daily reporting submission position. a) Working Capital Filled with loans or financing intended for the working capital of the respective debtor. b) Investment Filled with loans or financing intended for the purchase of capital goods and services required for rehabilitation, modernization, expansion, relocation of business and/or establishment of new businesses. Included in the definition of investment is the purchase of facilities and infrastructure for business activities such as the purchase of motor vehicles for productive business (including city transport and ojek). c) Consumption Filled with loans or financing intended for consumption needs.
Drawdown Allowance - Loans/Financing Provided
Filled with the drawdown allowance of BUK to third-party non-bank parties.
Third-Party Funds (DPK)
Third-Party Funds include funds obtained by banks from the public in the form of deposit, savings, and time deposits. a) Deposits (1) Filled with third-party funds of the deposit type. (2) Deposits consist of deposits based on conventional principles and deposits based on Sharia principles. (3) Deposits based on Sharia principles are deposits with Wadiah contracts and deposits with Mudarabah contracts – non profit sharing. b) Savings (1) Filled with third-party funds of the savings type. (2) Savings consist of savings based on conventional principles and savings based on Sharia principles. (3) Savings based on Sharia principles are savings with Wadiah contracts and savings with Mudarabah contracts – non profit sharing. c) Time Deposits (1) Filled with third-party funds of the time deposit type. (2) Time deposits consist of time deposits based on conventional principles and time deposits based on Sharia principles. (3) Time deposits based on Sharia principles are time deposits with Mudarabah contracts – non profit sharing.
Liabilities to Other Banks
BUK's liabilities to other banks, whether conducting operational activities in Indonesia or outside Indonesia, including people's economy banks and Sharia people's economy banks. a) Interbank Call Money Filled with liabilities to other banks of the interbank call money type. b) Deposit on Call Filled with liabilities to other banks of the deposit on call type. c) Time Deposit and Certificate Deposit Filled with liabilities to other banks of the time deposit and certificate deposit type. d) Others Filled with liabilities to other banks of types other than interbank call money, deposit on call, time deposit, and certificate deposit.
Securities Issued
Debt instruments issued by BUK, including securities meeting the criteria as capital as referred to in provisions of legislation regarding banking that were originally reported in loan capital. a) Subordinated Filled with securities issued of the subordinated type. b) Others Filled with other securities issued other than securities issued of the subordinated type.
Loans/Financing Received
Loans/Financing received include loans or financing calculated as capital that were originally reported in loan capital, excluding managed funds and lease financing liabilities. For UUS, financing received is financing received with Mudarabah - non profit sharing contracts and Mudarabah – profit sharing contracts. a) Subordinated Filled with loans or financing received of the subordinated type. b) Others Filled with loans or financing received other than of the subordinated type.
Net Interbank (NAB)
Filled with the difference between the account for placements at other banks minus liabilities to other banks.
Vostro
a) Filled with BUK's vostro. b) Vostro is an account owned by a foreign bank stored at a domestic bank.
Nostro
a) Filled with BUK's nostro.

b) Nostro is an account owned by a domestic bank at a foreign bank in foreign currency.

Short-Term Funding Facilities
Filled with short-term funding facilities in accordance with the provisions of legislation regarding short-term funding facilities.
GWM Violations
a) GWM violations by CBBs in accordance with the provisions of legislation regarding mandatory reserves in Rupiah and foreign currency for conventional commercial banks, commercial Islamic banks, and Islamic business units. b) Filled with the number 1 if present and 0 if not present.
Fund Placement by the Deposit Insurance Agency
Filled with fund placement by the Deposit Insurance Agency in accordance with the Financial Services Authority Regulation regarding the determination of supervisory status and handling of commercial bank issues.
Reserve
Filled with the sum of Primary Reserve, Secondary Reserve, and Tertiary Reserve components. a) Primary Reserve Primary Reserve is the main source of liquidity for CBBs and IBUs, namely by placing GWM at the central bank to anticipate customer withdrawals, inter-bank clearing settlements, and other bank obligations that must be paid immediately. b) Secondary Reserve Secondary Reserve can provide 2 (two) benefits for CBBs and IBUs, namely to maintain liquidity and increase profitability in the form of placing funds into non-cash liquid assets (liquid assets that are not cash) consisting of the most liquid securities that can be converted to cash without causing losses to CBBs and IBUs. c) Tertiary Reserve Tertiary Reserve is funds invested in tradable securities for investment or trading purposes. Interest income on tertiary reserve is higher than placement on secondary reserve, thus more profitable. This placement can be in the form of: Government Securities (SUN)/Bonds, Corporate Bonds/Corporate Obligations, or Medium Term Notes (MTN).
Interest Rate (%)
a) Credit
(1) Credit Interest Rate is the credit interest rate provided by the CBB to the debtor on the reporting date.
(2) The reported interest rate is the average interest rate for each type of credit provided.
(3) If on the reporting date, the CBB does not provide credit (no interest rate is provided to the debtor on the reporting date), then the reported interest rate is the counter rate (offered interest rate). (4) Each interest rate is calculated effectively. (5) Credit interest rates consist of corporate credit interest rates, retail credit interest rates, and micro credit interest rates. b) Third-Party Funds (1) Interest rates on savings, checking accounts, and deposits provided by the CBB to depositing customers on the reporting date. (2) The reported interest rate is the lowest and highest interest rate for savings, checking accounts, and deposits occurring on the reporting date. (3) If on the reporting date, the CBB does not accept fund deposits (no deposit interest rate is provided to customers on the reporting date), then the reported interest rate is the counter rate (offered interest rate).
Remuneration Percentage (%)
a) Financing
(1) Remuneration for financing is the level of remuneration or indication of the agreed remuneration level in the form of profit-sharing/margin/ujrah from financing provided by the IBU to facility recipients on the reporting date. (2) The reported remuneration is the average remuneration for each type of financing provided. (3) If on the reporting date, the IBU does not provide financing (no remuneration is provided to customers on the reporting date), then the reported remuneration is filled with “0”. (4) Remuneration consists of remuneration from corporate financing, retail financing, and micro financing. b) Third-Party Funds (1) Third-party fund remuneration is the level of remuneration or indication of the agreed remuneration level in the form of bonuses/profit-sharing provided by the IBU to depositing customers on the reporting date. (2) The reported remuneration is the lowest and highest remuneration for each type of third-party funds. (3) If on the reporting date, the IBU does not accept fund deposits (no deposit remuneration is provided to customers on the reporting date), then the reported remuneration is filled with “0”.

b. Financial Ratios

Loan to Deposit Ratio (LDR)
Filled with total credit provided compared to total third-party funds in accordance with the provisions of legislation regarding transparency and publication of conventional commercial bank reports.
Financing to Deposit Ratio (FDR)
Filled with total financing provided compared to total third-party funds in accordance with the provisions of legislation regarding transparency and publication of commercial Islamic bank and Islamic business unit reports.

B. REPORT ON DETAIL OF BASE CREDIT INTEREST RATES The format and filling guidelines for the Report on detail of base credit interest rates are in accordance with the Financial Services Authority Regulation regarding transparency and publication of base credit interest rates for conventional commercial banks.

C. REPORT ON FINANCIAL PUBLICATION AND MONTHLY FINANCIAL PERFORMANCE INFORMATION
The format and filling guidelines for the Report on financial publication and monthly financial performance information are in accordance with the Financial Services Authority Circular regarding transparency and publication of conventional commercial bank reports. Monetary information in the Report on financial publication and monthly financial performance information is reported in full units.

D. REPORT ON LARGEST FINANCING AND FUNDING
The largest financing and funding report consists of 2 (two) pieces of information as follows:

Financing to the 50 (fifty) largest debtors for debtor/grup debtor facilities or credit accounts in the reporting month based on book value according to financial accounting standards.
Funding from the 50 (fifty) largest customers for third-party funds in the reporting month based on book value according to financial accounting standards.
The largest financing and funding report is reported in full units.
Report Format
a. Financing to 50 (fifty) Largest Debtors
Individual/
Grup
Grup Name
Debtor Name
Identity
Number
Account
Number
Type
Usage
Quality
Plafond
Amount
Month
Report
CKPN
Percentage of Total
Non-Bank Third-Party Credit
Percentage of
Total Capital

b. Funding from 50 (fifty) Largest Customers
Customer
Name
Identity
Number
Account
Number
Type of
Third-Party
Funds
Type
Currency
Interest
Rate
Amount
Month
Report

Filling Guidelines
a. Financing to 50 (fifty) Largest Debtors
Filled with the 50 (fifty) largest financings based on an individual debtor and/or grup approach.

Individual/Grup
Filled by selecting an individual debtor or grup debtor.
Grup Name
a) Filled with the full name of the grup. b) Mandatory for grup debtors. If the debtor is an individual, the grup name is left blank.
Debtor Name
a) Filled with the full name according to the identity document for individual debtors. b) Filled according to the name stated in the business entity deed document for corporate debtors.
Identity Number
Filled with the identity number according to what is stated in the identity document, including the National Identity Number (NIK) for Indonesian citizen (WNI) individual debtors, passport number for foreign citizen (WNA) individual debtors, and NPWP/tax registry/documents that can be equated with it for corporate debtors. If the identity number contains characters other than letters and numbers, those characters do not need to be included.
Account Number
a) This column is filled with the facility account number. b) The account number must be unique, 1 (one) account number for each 1 (one) facility. c) An account number that has been used by 1 (one) facility cannot be used for other facilities. d) If the account number contains characters other than letters and numbers, those characters do not need to be included.
Type of Usage
a) Filled with 1 (one) digit character according to the code for credit or financing usage type. b) Data filling reference:
No. Type of Usage Code

Working Capital 1
Investment 2
Consumption 3

Quality
Filled with 1 (one) digit credit quality code in accordance with the Financial Services Authority Regulation regarding the assessment of commercial bank asset quality, with the following reference:
No. Quality Code

Good 1
Special Attention 2
Substandard 3
Doubtful 4
Loss 5

Plafond
a) Filled with the effective plafond nominal of credit or financing. b) For grup debtors, this column is filled with the total plafond.
Amount Month Report
a) Filled with the book value of credit or financing according to financial accounting standards. b) For grup debtors, this column is filled with the total amount month report.
CKPN
a) Filled with the provision formed for the decline in value of financial instruments based on expected credit losses according to financial accounting standards. b) For grup debtors, this column is filled with the total CKPN.
Percentage of Total Non-Bank Third-Party Credit
Percentage (%) of the amount month report value to the core debtor divided by total non-bank third-party credit.
Percentage of Total Capital
Percentage (%) of the amount month report value divided by total capital in accordance with the Financial Services Authority Regulation regarding minimum capital adequacy requirements for commercial banks. Example of filling Form Financing to 50 (fifty) Largest Debtors for a grup debtor as follows:

Individual/
Grup
Grup
Name
Debtor
Name
Identity
Number
Account
Number
Type
Usage
Quality
Plafond
Amount
Month
Report
CKPN
Percentage of Total
Non-Bank
Third-Party
Credit
Percentage of Total
Capital
Grup AAA PT. YEH 8348172292 REK12345 2
PT. ZBA 2929737117 ABC12345 1
Quality Plafond Amount Month
Report CKPN
50.000.000.000 43.000.000.000 55.000.000 4% 5%
1 30.000.000.000 25.000.000.000 25.000.000
2 20.000.000.000 18.000.000.000 30.000.000

b. Funding from 50 (fifty) Largest Customers
Filled with funding from the 50 (fifty) largest customers with accumulated third-party funds from all accounts and each type of third-party fund owned by the customer at the time of reporting.

Customer Name
a) Filled with the full name according to the identity document for individual customers. b) Filled according to what is stated in the business entity deed document for corporate customers.
Identity Number
Filled with the identity number according to what is stated in the identity document, including the National Identity Number (NIK) for Indonesian citizen (WNI) individual customers, passport number for foreign citizen (WNA) individual customers, and NPWP/tax registry/documents that can be equated with it for corporate customers. If the identity number contains characters other than letters and numbers, those characters do not need to be included.
Account Number
a) Filled with the facility account number. b) The account number must be unique, 1 (one) account number for each 1 (one) facility. c) An account number that has been used by 1 (one) facility cannot be used for other facilities. d) If the account number contains characters other than letters and numbers, those characters do not need to be included.
Type of Third-Party Funds
Filled with the type of third-party funds with the following reference:
No. Type of Third-Party Funds Code

Savings 1
Checking 2
Deposit 3

Type of Currency
Filled with the code for the type of third-party fund currency referring to the reference code list for currency types in accordance with the provisions of legislation regarding integrated commercial bank reports.
Interest Rate
Filled with the highest interest rate information provided by the CBB for third-party funds owned by the customer.
Amount Month Report
Filled with the book value according to financial accounting standards for third-party funds owned by the customer. Example of filling Form Funding from 50 (fifty) Largest Customers for a customer having more than 1 (one) account:
Customer
Name
Identity
Number
Account
Number
Type of
Third-Party
Funds
Type
Currency
Interest
Rate
Amount Month
Report
Putra
Ganda
ABCD34
5.000.000.000
REK678 Savings Rupiah 0.80 1.000.000.000
REK383 Savings USD 1.20 1.500.000.000
REK034 Deposit Rupiah 3.75 1.250.000.000
REK738 Deposit Rupiah 3.50 1.250.000.000

E. REPORT ON BUSINESS PLAN REALIZATION

The format and filling guidelines for the Business Plan Realization Report are in accordance with the Financial Services Authority Circular regarding commercial bank business plans.
Subsequently, the scope of the Business Plan Realization Report as mentioned in item 1 is added with the following Reports:
a. Report on foreign financial product agency activities; b. Periodic bancassurance report;
c. Outstanding structured products transactions report;
d. Report on the appointment of foreign workers as experts or consultants; e. Trust activities report; f. Problematic outsourcing report; g. Information on the proof of settlement of rights and obligations of regional offices, branches, and offices abroad to customers and/or other parties in connection with the closure of regional offices, branches, and offices abroad; and h. Information on the proof of settlement of rights and obligations of sub-branches to customers and/or other parties in connection with the closure of sub-branches.
Report on Foreign Financial Product Agency Activities
The Report on Foreign Financial Product Agency Activities is a Report in accordance with the Financial Services Authority Circular regarding prudential principles in carrying out foreign financial product agency activities by commercial banks.

a. Report Format
Foreign Financial Product Agency Activity Information Product Name Product Type Underlying Asset Offering Method Description Issuer Country Issuer Custodian Country Custodian Date Bank Starts Selling Product Date Maturity Owner Category Customer Classification Number of Owners Type Currency Sales Amount Outstanding Amount Fee Based Income

b. Filling Guidelines

Product Name
Filled with the full name of the foreign financial product as stated in the term sheet, fact sheet, or transaction contract.
Product Type
Filled with the type of product from the foreign financial product as stated in the term sheet, fact sheet, or transaction contract.
Underlying Asset
Filled with details regarding the underlying assets of the foreign financial product.
Offering Method
Filled with the offering method reference as follows:
No. Offering Method Code

Open-end 1
Closed-end 2
Others 9

Description
Filled if the “Offering Method” column contains “9 - Others”, namely with a brief but complete description of the offering method (maximum 50 (fifty) characters). Otherwise, it is left blank.
Issuer
Filled with the name of the institution issuing the reported foreign financial product, complete with the location or city name if it is not the headquarters of the issuing institution. Example: Kookmin Bank Co. Ltd and HSBC Singapore.
Issuer Country
Filled with the country reference code for the country where the issuer is registered as a company or financial institution. The country reference code refers to the country reference code list in accordance with the provisions of legislation regarding integrated commercial bank reports.
Custodian
Filled with the name of the institution acting as the custodian of the reported foreign financial product, complete with the location or city name if the custodian of the product is not the headquarters of the institution. Example: Bank of New York Mellon and HSBC Singapore.
Custodian Country
Filled with the country reference code for the country where the custodian is registered as an institution and has permission to conduct custodian activities. The country reference code refers to the country reference code list in accordance with the provisions of legislation regarding integrated commercial bank reports.
Date Bank Starts Selling Product
Filled with date-month-year (yyyymmdd) information of when the CBB first started selling the foreign financial product if the product offering method is open-end, or filled with the start of the product term if the product offering method is closed-end or others.
Maturity Date
Filled with date-month-year (yyyymmdd) information regarding the maturity date if the reported foreign financial product has a maturity date and if the “Offering Method” column contains “2” or “9” (Closed-end or Others).
Owner Category
Filled with the owner category reference in accordance with the counterparty category reference in accordance with the provisions of legislation regarding integrated commercial bank reports.
Customer Classification
a) Filled with “customer classification” in accordance with the Financial Services Authority Regulation regarding prudential principles in carrying out foreign financial product agency activities by commercial banks. b) Data filling reference No. Customer Classification Code

Retail Customer 1
Non-Retail Customer 2

Number of Owners
Filled with the total number of customers who are owners of the foreign financial product.
Type of Currency
Filled with the currency type reference code for the foreign financial product referring to the currency type reference code list in accordance with the provisions of legislation regarding integrated commercial bank reports.
Sales Amount
Filled with the sales value of each foreign financial product during the Report Month (in full units of the original currency).
Outstanding Amount
Filled with the outstanding value of the foreign financial product accounted for by the CBB at the end of the Report Month in full units of the original currency.
Fee Based Income
Filled with the total fees received by the CBB from the conduct of foreign financial product agency activities during the current year/year to date in full units of the original currency.

Periodic Bancassurance Report
The format and filling guidelines for the Periodic Bancassurance Report are in accordance with the Financial Services Authority Circular regarding the application of risk management in banks conducting marketing cooperation activities with insurance companies (bancassurance).
Outstanding Structured Products Transactions Report
The Outstanding Structured Products Transactions Report is a Report in accordance with the Financial Services Authority Circular regarding prudential principles in conducting structured products activities for commercial banks.

a. Report Format
Outstanding Structured Products Transactions Information Product Name Transaction Number Number of Customers Product Components Non-Derivative Component Derivative Component Option Forward Swap Component Instrument Variable Position Underlying Variable Position Underlying Variable Product Characteristics Base Currency Strike Price Nominal/Notional

b. Filling Guidelines

Product Name
Filled with the name of each product according to the prospectus/term sheet or product highlight sheet or structured products transaction agreement.
Transaction Number
Filled with the structured product transaction number.
Number of Customers
Filled with the number of customers for each structured product as referred to in the “Product Name” column.
Product Components
a) Non-Derivative Component
Instrument Component
(1) Filled with the Non-Derivative Instrument Component reference underlying the structured product.
(2) Data filling reference
No. Non-Derivative Instrument Component Code

Checking 01
Savings 02
Deposit 03
Securities/Bonds 04
Loans 05
Others 99
b) Derivative Component
(1) Option
(a) Position
i. Filled with the derivative component-option-position reference if the CBB has an option position on the issued structured product.
ii. Data filling reference
No. Derivative Instrument Component in the form of Option Code
Long Call Option 01
Short Call Option 02
Long Put Option 03
Short Put Option 04
(b) Underlying Variable
i. Filled with the derivative component-option-underlying variable reference, namely the variable used as the underlying variable of the structured product derivative component.
ii. Data filling reference
No. Underlying Variable Code
Interest Rate 01
Exchange Rate 02
If the “Position” column is filled, the “Underlying Variable” column must be filled.
(2) Forward
(a) Position
i. Filled with the derivative component-forward-position reference if the CBB has a forward position on the issued structured product.
ii. Data filling reference
No. Derivative Instrument Component in the form of Forward Code
Long Forward 01
Short Forward 02
(b) Underlying Variable
i. Filled with the “Underlying Variable” code, namely the variable used as the underlying variable of the structured product derivative component.
ii. Data filling reference
No. Underlying Variable Code
Interest Rate 01
Exchange Rate 02
If the “Position” column is filled, the “Underlying Variable” column must be filled.
(3) Swap
Underlying Variable
(a) Filled with the derivative component-swap-underlying variable reference, namely the variable used as the underlying variable of the structured product derivative component. (b) Data filling reference No. Underlying Variable Code
Interest Rate 01
Exchange Rate 02
If the non-derivative component is filled, the derivative component must be filled.
For structured product transactions having more than 1 (one) derivative component, it is filled on 2 (two) rows. Subsequently, to identify the same product, the same filling is reported in the “Product Name”, “Transaction Number”, “Number of Customers”, “Product Characteristics”, “Base Currency”, “Strike Price”, and “Nominal/Notional” columns.

Example:
Product
Name
Transaction
Number
Number of Customers
Product
Components
Non-Derivative
Component
Derivative
Component
Option Forward Swap
Component
Instrument
Position
Underlying
Variable
Position
Underlying
Variable
Underlying
Variable
PRODUCT 1 123456 120 -
02 (Short Call
Option)
01 (Interest
Rate)

PRODUCT 1 123456 120 -
01 (Long Call
Option)
01 (Interest
Rate)

Product Characteristics
a) Filled with the product characteristics reference. b) Data filling reference No. Product Characteristics Code

Principal with Full Protection (Principal
Protected)
Principal without Protection (Principal Non-Protected)
a) With Leverage 2 b) Without Leverage 3

Base Currency
Filled with the currency reference code for the currency underlying the transaction. The currency reference code refers to the currency reference in accordance with the provisions of legislation regarding integrated commercial bank reports.
Strike Price
Is the strike price set at the time of the transaction agreement, filled in full units of the original currency. In the event that more than one strike price is set, the strike price recorded is the strike price that has the potential to be more likely to be exercised at the time of reporting.
Nominal/Notional
Filled with the total exposure in full units of equivalent Rupiah per Report position.

Report on the Appointment of Foreign Workers as Experts or Consultants
The report on the appointment of foreign workers as experts or consultants is in accordance with the Financial Services Authority Regulation regarding the utilization of foreign workers and knowledge transfer programs in the banking sector.
Trust Activities Report
The Trust Activities Report is a Report in accordance with the Financial Services Authority Regulation regarding bank business activities in the form of custody with management (trust). The format and filling guidelines for the Trust Activities Report are as follows:

a. Quantitative Information

Report Format
a) General Information
Table 1: Trustee Unit Leader
Trustee Unit Leader Name
Trustee Unit Leader Phone Number
Trustee Unit Leader Email Address
Report Compiler Responsible Person Name
Report Compiler Responsible Person Phone Number Report Compiler Responsible Person Email Address

Table 2: Trustee Unit Human Resources
Description
Permanent Employees Non-Permanent Employees
Indonesian Citizens Foreign Workers Indonesian Citizens Foreign Workers Trustee Unit Leaders Officials One Level Below Trustee Unit Leaders Other Human Resources Total

Table 3: List of Trust Agreements and Settlor
No.
Trust Agreement
Agreement Number
Date
Type of Trust Activity
Code
Signing Date Ends
Economic Sector
Agreement
Settlor
Name
Taxpayer Identification Number (NPWP)
Country
Residential Nationality

b) Trust Activities in Foreign Currency
Table 1: Recapitulation of Trust Activities in Foreign Currency
Description
Original Currency Value
USD
Original Currency Value
EUR
Original Currency Value
CNY
Original Currency Value
AUD
Original Currency Value
IDR
Original Currency Value
Others
Total
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah
A. Fund Receipts

Fund Deposits
Sales Proceeds or Export Foreign Exchange Proceeds
Investment Principal
Investment Returns
Received Debt or Financing
Others
Total Receipts
B. Fund Disbursements
Tax Payments
a. Settlor b. Beneficiary
c. Others
Payments to Suppliers/Vendors
Payments to Beneficiaries
a. Government b. Settlor as Beneficiary
c. Others
Investments
a. By Trustee b. Through Investment Managers
Repayment of Received Debt/Financing
a. Principal b. Interest/Returns
Fees/Ujrah to Trustee
Others
Total Disbursements
C. Net
Table 2: Trust Asset and Liability Positions in Foreign Currency
Description
Original Currency Value
USD
Original Currency Value
EUR
Original Currency Value
CNY
Original Currency Value
AUD
Original Currency Value
IDR
Original Currency Value
Others
Total
Rupiah
Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah
A. Assets
Current Accounts
Investments
a. By Trustee

Savings
Time Deposits
SBI/SBIS
SBN/SBSN
Others
b. Through Investment Managers
Stocks
Corporate Bonds/Sukuk
Mutual Funds/Sharia Mutual Funds
Asset-Backed Securities (EBA)
Medium Term Notes (MTN)
Others

Other Financial Assets
Total Assets
B. Liabilities
Liabilities to Settlor
a. ... (Settlor Name)

b. ...
c. etc.

Business Funds
Other Liabilities
Total Liabilities

Filling Guidelines
a) General Information
(1) Table 1: Trustee Unit Leader
Table 1 is filled with the name of the person responsible for the trustee unit as a whole and the name of the person responsible for compiling the report, accompanied by their phone number and email address.
(2) Table 2: Trustee Unit Human Resources
(a) The "Trustee Unit Leaders" row is filled with the number of trustee unit leaders who are permanent employees and Indonesian citizens, permanent employees and foreign workers, non-permanent employees and Indonesian citizens, and non-permanent employees and foreign workers. (b) The "Officials One Level Below Trustee Unit Leaders" row is filled with the number of officials one level below the trustee unit leaders who are permanent employees and Indonesian citizens, permanent employees and foreign workers, non-permanent employees and Indonesian citizens, and non-permanent employees and foreign workers. (c) The "Other Human Resources" row is filled with the number of other human resources, namely other employees in the trustee unit other than the trustee unit leader and officials one level below the trustee unit leader, who have primary/supporting functions and tasks to carry out trust activities, who are permanent employees and Indonesian citizens, permanent employees and foreign workers, non-permanent employees and Indonesian citizens, and non-permanent employees and foreign workers. (d) The "Total" row is filled with the total sum of each column. (3) Table 3: List of Trust Agreements and Settlor (a) Trust Agreement
i. Agreement Number
Filled with the trust agreement number between the trustee and settlor.
ii. Signing Date
Filled with the date of signing the trust agreement between the trustee and settlor in yyyymmdd format.
iii. End Date
Filled with the end date of the trust agreement between the trustee and settlor in yyyymmdd format.
iv. Type of Trust Activity
Filled with the following reference codes:
No. Type of Trust Activity Code

Paying Agent 1
Investment Agent 2
Lending or Financing Agent

v. Economic Sector Code
Filled by referring to the economic sector reference code list in accordance with regulations on integrated conventional bank reporting.
vi. Agreement Code
Filled with 10 digits consisting of the first 3 digits being the bank code, the next 3 digits being the bank office code, and the last 4 digits being the agreement serial number. (b) Settlor
i. Name
Filled with the settlor's identity name which is part of the trust agreement.
ii. NPWP
Filled with the settlor's NPWP number.
iii. Residential Country
Filled with the settlor's residential country referring to the country of the main shareholder. The country reference code refers to the country reference code list in accordance with regulations on integrated conventional bank reporting. Example, if the settlor is located in Jakarta, then the settlor's residential country code is ID (Indonesia).
iv. Nationality Country
Filled with the settlor's nationality country referring to the country of the main shareholder. The country reference code refers to the country reference code list in accordance with regulations on integrated conventional bank reporting. Example, if the settlor's parent company is domiciled in Tokyo, then the settlor's nationality country code is JP (Japan). b) Trust Activities in Foreign Currency (1) Table 1: Recapitulation of Trust Activities in Foreign Currency (a) For each report item, namely fund receipt and fund disbursement items, filled with the total value occurring in the reporting period. (b) Conventional Commercial Banks (BUK) only fill in with the original currency received or disbursed. In the event that BUK does not have an original currency type, it is left blank. (c) The "Other Original Currency Value" column is the accumulation of values other than original currencies USD, EUR, CNY, AUD, and IDR. (d) The "Nominal" column is filled with the amount in the original currency in full units. (e) The "In Rupiah" column is filled with the number resulting from the conversion of the original currency to Rupiah in full units. Conversion uses the reporting exchange rate, which is filled with the middle rate which is the average of the buy and sell rates based on Reuters at 16:00 WIB at the end of the reporting month.

(f) The "Total Rupiah" column is the sum of the "Nominal" column in IDR original currency value and the "In Rupiah" column in original currency values other than IDR. (g) Information for each item in the "Description" column is as follows:
i. Fund Receipts
(i) The "Fund Deposits" row is filled with the total inflow of fund deposits from the settlor.
(ii) The "Sales Proceeds/Export Foreign Exchange Proceeds" row is filled with the total inflow of settlor funds originating from sales proceeds/export foreign exchange proceeds. (iii) The "Investment Principal" row is filled with the total inflow of funds from the return of investment principal. (iv) The "Investment Returns" row is filled with the total inflow of funds originating from interest/coupons/return/yield/other investment returns. (v) The "Received Debt/Financing" row is filled with the total inflow of funds originating from received debt/financing. (vi) The "Others" row is filled with the total inflow of funds originating from other activities. (vii) The "Total Receipts" row is filled with the sum of all fund receipt categories.
ii. Fund Disbursements
(i) The "Tax Payments" row is filled with the total outflow of funds for tax payments on settlor burdens, tax payments on beneficiary burdens, and/or tax payments on other parties' burdens. (ii) The "Payments to Suppliers/Vendors" row is filled with the total outflow of funds for payments to suppliers/vendors. (iii) The "Payments to Beneficiaries" row is filled with the total outflow of funds for payments to the government as beneficiary, payments to the settlor acting as beneficiary, and/or payments to other beneficiaries. (iv) The "Investments" row is filled with the total outflow of funds for investment activities carried out directly by the trustee and/or investment activities through investment managers. (v) The "Repayment of Received Debt/Financing" row is filled with the total outflow of funds for principal payments or for interest/return payments on received debt/financing.

(vi) The "Fees/Ujrah to Trustee" row is filled with the total outflow of funds for trustee fee/ujrah payments.
(vii) The "Others" row is filled with the total outflow of funds for payments for other activities.
(viii) The "Total Disbursements" row is filled with the sum of each fund disbursement component.
iii. Net
Filled with fund receipts minus fund disbursements.
In the event that there is no information for an item in the "Description" column, BUK leaves the filling blank.
(2) Table 2: Trust Asset and Liability Positions in Foreign Currency (a) BUK only fills in with information on the original currency owned. In the event that BUK does not have an original currency type, BUK leaves the filling blank. (b) The "Other Original Currency Value" column is the accumulation of values other than original currencies USD, EUR, CNY, AUD, and IDR. (c) The "Nominal" column is filled with the amount in the original currency in full units. (d) The "In Rupiah" column is filled with the number resulting from the conversion of the original currency to Rupiah in full units. Conversion uses the reporting exchange rate, which is filled with the middle rate which is the average of the buy and sell rates based on Reuters at 16:00 WIB at the end of the reporting month. (e) The "Total Rupiah" column is the sum of the "Nominal" column in IDR original currency value and the "In Rupiah" column in original currency values other than IDR. (f) Information for each item in the "Description" row is as follows:
i. Assets
(i) The "Current Accounts" row is filled with the trustee's current account balance number.
(ii) The "Investments" row is filled with the amount of investment funds managed/invested by the trustee or the amount of investment funds managed/invested by the investment manager. (iii) The "Other Financial Assets" row is filled with other financial assets other than current accounts and investments. (iv) The "Total Assets" row is filled with the sum of all trust asset components.
ii. Liabilities
(i) The "Liabilities to Settlor" row is filled with the trustee's liability amount to the settlor. In the event that BUK has more than

1 (one) settlor, then BUK fills in the settlor's name in the next row.
(ii) The "Business Funds" row is filled with the position of the amount of business funds by the trustee.
(iii) The "Other Liabilities" row is filled with other liabilities owned by the trustee.
(iv) The "Total Liabilities" row is filled with the sum of all trust liability components.
In the event that there is no information for an item in the "Description" column, BUK leaves the filling blank.

Example of Filling Trust Activities in Foreign Currency
Table 1: Recapitulation of Trust Activities in Foreign Currency
Description
Original Currency Value
USD
Original Currency Value
EUR
Original Currency Value
CNY
Original Currency Value
AUD
Original Currency Value
IDR
Original Currency Value
Others
Total
Rupiah
Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah
A. Fund Receipts

Fund Deposits 6013 100000000 5081 55000000 50000000 70000000 275000000
Sales Proceeds or Export Foreign Exchange Proceeds 4804 52000000 45000000 97000000
Investment Principal 4812 80000000 25000000 105000000
Investment Returns 3234 35000000 45000000 80000000
Received Debt or Financing 50000000 20000000 70000000
Others 9022 150000000 11087 120000000 70000000 35000000 375000000
Total Receipts 19847 330000000 24206 262000000 170000000 240000000 1002000000 B. Fund Disbursements
Tax Payments
a. Settlor 601 10000000 924 10000000 40000000 b. Beneficiary 1503 25000000 2309 25000000 100000000
c. Others 307 5000000 462 5000000 20000000
Payments to Suppliers/Vendors 10000000 10000000 20000000
Payments to Beneficiaries
a. Government 462 5000000 10000000 10000000 25000000 b. Settlor as Beneficiary 25000000 25000000 50000000
c. Others 462 5000000 15000000
Investments
a. By Trustee 307 5000000 924 10000000 5000000 5000000 25000000 b. Through Investment Managers 307 5000000 924 10000000 5000000 5000000 25000000
Repayment of Received Debt/Financing
a. Principal 307 5000000 462 5000000 25000000 10000000 45000000 b. Interest/Returns 307 5000000 462 5000000 10000000 25000000 45000000
Fees/Ujrah to Trustee
Others 307 5000000 462 5000000 5000000 15000000
Total Disbursements 3946 65000000 7853 85000000 135000000 140000000 425000000
C. Net 15901 265000000 16353 177000000 35000000 100000000 577000000
Table 2: Trust Asset and Liability Positions in Foreign Currency
Description
Original Currency Value
USD
Original Currency Value
EUR
Original Currency Value
CNY
Original Currency Value
AUD
Original Currency Value
IDR
Original Currency Value
Others
Total
Rupiah
Nominal In
Rupiah Nominal In
Rupiah Nominal In
Rupiah
Nominal
In
Rupiah Nominal In
Rupiah
A. Assets
Current Accounts 6013 100000000 3234 35000000 100000000 50000000 285000000
Investments
a. By Trustee

Savings 9022 150000000 11087 120000000 70000000 35000000 375000000
Time Deposits
SBI/SBIS
SBN/SBSN
Others 4812 80000000 100000000 25000000 205000000
b. Through Investment Managers
Stocks 100000000 100000000
Corporate Bonds/Sukuk 70000000 70000000
Mutual Funds/Sharia Mutual Funds
Asset-Backed Securities (EBA)
Medium Term Notes (MTN)
Others 70000000 100000000 170000000

Other Financial Assets 9022 150000000 24206 262000000 100000000 100000000 612000000
Total Assets 28869 480000000 38527 417000000 610000000 310000000 1817000000 B. Liabilities
Liabilities to Settlor
a. PT "ABC" 20000000 20000000

b. PT "LCM" 20000000 20000000
2. Business Funds
3. Other Liabilities 307 5000000 462 5000000 25000000 10000000 45000000
Total Liabilities 307 5000000 462 5000000 65000000 10000000 85000000

b. Qualitative Information

Report Format
Details of Trust Activities
Bank Name :
Agreement Code :
Description
Original Currency Value
Nominal In Rupiah
A. Fund Receipts

Fund Deposits
a. ... (Settlor Name) b. ...
c. etc.
Sales Proceeds or Export Foreign Exchange Proceeds
Investment Principal
Investment Returns
Received Debt or Financing
a. ... (Creditor Name) b. ...
c. etc.
Others (Specify)
a. ... b. ...
c. etc.
Total Receipts
B. Fund Disbursements
Tax Payments
a. Settlor

... (Settlor Name)
...
etc.
b. Beneficiary
... (Beneficiary Name)
...
etc.
c. Others
... (Taxpayer Name)
...
etc.

Payments to Suppliers/Vendors
a. ... (Supplier/Vendor Name) b. ...
c. etc.
Payments to Beneficiaries
a. Government b. Settlor as Beneficiary

... (Settlor Name)
...
etc.
c. Others (Specify)
... (Beneficiary Name)
...

Description
Original Currency Value
Nominal In Rupiah
3) etc.
4. Investments
a. By Trustee

Savings
Time Deposits
SBI/SBIS
SBN/SBSN
Others (Specify)
a) .... (Investment Type)
b) ....
c. etc.
b. Through Investment Managers
Stocks
Corporate Bonds/Sukuk
Mutual Funds/Sharia Mutual Funds
Asset-Backed Securities (EBA)
Medium Term Notes (MTN)
Others (Specify)
a) .... (Investment Type)
b) ....
c. etc.

Repayment of Received Debt/Financing
a. Principal b. Interest/Returns
Fees/Ujrah to Trustee
Others (Specify)
a. ... b. ...
c. etc.
Total Disbursements
C. Net

Filling Guidelines
a) Besides quantitative information, BUK submits qualitative information in the form of details of trust activities for each trust agreement code. b) The document is uploaded in portable document format (.pdf) which can be processed further. c) The "Original Currency" column is filled with the currency type code in accordance with regulations on integrated conventional bank reporting (example: USD, IDR, MYR, EUR). d) The "Nominal" column is filled with the amount of fund deposits received in the original currency in full units. e) The "In Rupiah" column is filled with the value resulting from the conversion of cash deposits received in the original currency to Rupiah in full units. f) Conversion uses the reporting exchange rate, which is filled with the middle rate which is the average of the buy and sell rates based on Reuters at 16:00 WIB at the end of the reporting month.

Report on Problematic Outsourcing
The format and filling guidelines for the Report on Problematic Outsourcing are in accordance with the Financial Services Authority Circular regarding prudential principles for conventional commercial banks that delegate part of their work execution to other parties.
Information on Evidence of Settlement of Rights and Obligations of Regional Offices, Branch Offices, and Offices Abroad to Customers and/or Other Parties in Connection with the Closure of Regional Offices, Branch Offices, and Offices Abroad
Information on evidence of settlement of rights and obligations of regional offices, branch offices, and offices abroad to customers and/or other parties in connection with the closure of regional offices, branch offices, and offices abroad in accordance with the Financial Services Authority Regulation regarding conventional commercial banks.
Information on Evidence of Settlement of Rights and Obligations of Assistant Branch Offices to Customers and/or Other Parties in Connection with the Closure of Assistant Branch Offices
Information on evidence of settlement of rights and obligations of assistant branch offices to customers and/or other parties in connection with the closure of assistant branch offices in accordance with the Financial Services Authority Regulation regarding conventional commercial banks.

F. QUARTERLY FINANCIAL PUBLICATION REPORTS AND FINANCIAL PERFORMANCE INFORMATION REPORTS The format and filling guidelines for the Quarterly Financial Publication Reports and Financial Performance Information Reports are in accordance with the Financial Services Authority Circular regarding transparency and publication of conventional commercial bank reports. Monetary information in the Quarterly Financial Publication Reports and Financial Performance Information Reports is reported in full units. G. BUSINESS PLAN SUPERVISION REPORTS The format and filling guidelines for the Business Plan Supervision Reports are in accordance with the Financial Services Authority Circular regarding conventional commercial bank business plans.

H. BANK BUSINESS PLAN

Format and procedures for submitting the business plan:
a. Business plan in accordance with the Financial Services Authority Circular regarding conventional commercial bank business plans; b. Human Resources (HR) quality development plan as regulated in the Financial Services Authority Regulation regarding conventional commercial bank human resources quality development.
Furthermore, the scope of the business plan as in item 1 is added with the following Reports and Information:
a. Bank product implementation plan; b. Outsourcing plan;
c. Interest rates;
d. Export-import credit provision plan; e. Third-party credit provision plan to banks and non-bank third parties based on usage type; f. Laku Pandai program implementation plan; g. Credit provision plan; and h. KUR credit provision plan for the current year.
Bank Product Implementation Plan
a. Bank Product Implementation Plan

Report Format
Bank Product Implementation Plan
New Bank Product Type Implementation Time
Purpose/Benefit Relevance of New Bank Product to Bank Strategy For Bank For New Customers General Description Potential Risks That May Arise Risk Mitigation for New Product Issuance Plan for New Bank Product Implementation Mechanism to be Followed
Filling Guidelines
a) New Bank Product Type
(1) Filled with the product type to be implemented in accordance with the Financial Services Authority Regulation regarding conventional commercial bank product implementation. Example: savings, credit and/or financing, mobile banking, bancassurance, and so on. (2) In the event that there is more than 1 (one) product type to be implemented, BUK reports in the next row. b) Implementation Time Plan Filled with 2 (two) digits in accordance with the time information for the quarter of the new bank product implementation plan with the following reference:
No. Implementation Time Code

Quarter 1 01
Quarter 2 02
Quarter 3 03
Quarter 4 04
c) Purpose/Benefit – For Bank
Filled with a brief description of the purpose or benefit of the new product for BUK. d) Purpose/Benefit – For Customers Filled with a brief description of the purpose or benefit of the new product for customers. e) Relevance of New Bank Product to Bank Strategy Filled with a brief description of the suitability of the new product implementation with the business strategy, business development plan, or BUK's long-term policy. f) General Description Filled with a brief description describing among other things the product name, features, and business model of the BUK product. g) Potential Risks That May Arise Filled with a brief description of potential risks that may arise from the implementation of the new product. h) Risk Mitigation for New Product Issuance Filled with a brief description of the steps planned by BUK to prevent, reduce, or control identified risks. i) Plan for New Bank Product Implementation Mechanism to be Followed Filled with 1 (one) digit in accordance with the bank mechanism for implementing new bank products with the following reference:

No. Implementation Mechanism Code

New Basic Bank Product 0
License with Limited Trial 1
License without Limited Trial 2
License with Notification (Instant Approval)
b. Other Information on Bank Product Implementation Plan

Documents containing other information related to the plan for implementing bank products, among other things, more detailed explanations/descriptions of the new bank product implementation plan filled in by the bank in the New Bank Product Implementation Form.
The document is uploaded in portable document format (.pdf) which can be processed further.
In the event that there is no other information, it is filled with an empty document in portable document format (.pdf).
BUK can submit changes to the new bank product implementation plan through the BUK business plan report in accordance with the submission of changes to the BUK business plan. In the event that BUK submits changes to the new bank product implementation plan but cannot submit changes to the BUK business plan again, the submission of changes to the new bank product implementation plan is done through the Incidental Report.

Outsourcing Plan
a. Outsourcing Plan

Report Format
Outsourcing Plan
Type of Work
Performed Outsourcing
General Description and
Scope of Work
Type of Outsourcing
Agreement
Estimated Number of
Outsourcing Workforce
Needed
Contract Duration
Outsourcing
Purpose
Estimated Cost and
Benefit Analysis
Risk Analysis and
Risk Mitigation Description

Filling Guidelines
The outsourcing plan contains a plan for outsourcing of work that has never been outsourced before. Extending an outsourcing agreement is not included in work that has never been outsourced before. a) Types of Work Performed via Outsourcing (1) Filled with work performed via outsourcing in accordance with the Financial Services Authority Regulation regarding prudential principles for conventional commercial banks that delegate part of the execution of work to other parties. (2) In the event there is more than 1 (one) work performed via outsourcing, the Bank reports on the next row. b) General Overview and Scope of Work Filled with a brief description of the work performed via outsourcing and the location of the office where the work performed via outsourcing is located. c) Type of Outsourcing Agreement Filled with 1 (one) digit in accordance with the type of outsourcing agreement with reference as follows:
No. Type of Agreement Code

Contracting Agreement 1
Labor Supply Service 2

Contracting and Labor Supply
Service
3 d) Estimated Number of Outsourcing Workforce Needed Filled with the estimated number of outsourcing workforce needed. e) Agreement Duration (1) Filled with the agreed duration or the validity period of the outsourcing agreement between the Bank and the outsourcing service provider. (2) Filled with clear time information. Example:
(a) Bank “X” has an outsourcing agreement valid for 2 (two) years, then this row is filled with information “2 years”. (b) Bank “C” has an outsourcing agreement valid for 30 (thirty) months, then this row is filled with information “2 years 6 months” or “30 months”. f) Purpose of Outsourcing Filled with a description detailing the results to be achieved through the implementation of outsourcing, in accordance with the Bank’s overall strategy and business objectives. g) Analysis of Estimated Costs and Benefits Filled with a brief description regarding the estimated costs and benefits of outsourcing. h) Risk Analysis and Risk Mitigation Filled with a brief description regarding potential risks that may arise from the implementation of outsourcing and mitigation steps. i) Notes Filled with additional description notes in the event there is other information that needs to be conveyed regarding the outsourcing plan. b. Other Information on the Outsourcing Plan

Documents containing other information related to the outsourcing plan, including more detailed explanations/descriptions of the outsourcing plan filled in the Outsourcing Plan Form.
Documents are uploaded in portable document format (.pdf) that can be processed further.
In the event there is no other information, it is filled with an empty document and uploaded in portable document format (.pdf).

Interest Rates
a. Report Format
Interest Rates b. Filling Guidelines

T is the year of business plan implementation as per the Financial Services Authority Circular regarding the business plan of conventional commercial banks.
Prime Lending Rate (SBDK) in accordance with the Financial Services Authority Regulation regarding transparency and publication of prime lending rates for conventional commercial banks is the indication of the lowest effective credit interest rate that reflects the cost of funds for credit (cost of fund), overhead costs (overhead cost), and profit margins incurred by the Bank for credit disbursement activities and is subsequently used as a reference in setting credit interest rates to be charged to customers.
Credit Interest Rate (SBK) in accordance with the Financial Services Authority Regulation regarding transparency and publication of prime lending rates for conventional commercial banks is the result of the sum of SBDK plus estimated risk premiums.

Name Component Realization
(T-1)
Projection
(T-1)
Q4
(T)
Q1
(T)
Q2
(T)
Q3
(T)
Q4
(T+1)
Q4
(T+2)
Q4
Prime Lending Rate (Prime
Lending Rate) Based on
Business Segments
Corporate Credit
Retail Credit
Micro Credit
Small Credit
Medium Credit
Consumer Credit
Mortgage/Apartment Loan
Non-Mortgage/Non-Apartment Loan
Credit Interest Rates Based on
Credit Type
Corporate Credit
Retail Credit
Micro Credit
Small Credit
Medium Credit
Consumer Credit
Mortgage/Apartment Loan
Non-Mortgage/Non-Apartment Loan
Credit Interest Rates Based on
Type of Use
Consumer Credit
Working Capital Credit
Investment Credit
Current Account Interest Rate
Savings Account Interest Rate
1-Month Deposit Interest Rate
3-Month Deposit Interest Rate
6-Month Deposit Interest Rate

SBDK is filled based on business segments and credit types detailed in accordance with the Financial Services Authority Regulation regarding transparency and publication of prime lending rates for conventional commercial banks, namely:
a) Corporate credit is working capital and investment credit for non-SMEs and non-retail whose criteria are in accordance with the Bank’s policy. b) Retail credit is working capital and investment credit for non-SMEs and non-corporate whose criteria are in accordance with the Bank’s policy. c) Micro credit is credit granted to:
(1) productive economic enterprises owned by individuals and/or sole proprietorships that meet micro-enterprise criteria as regulated in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises, (2) productive economic enterprises as referred to in item (1) have:
(a) business capital of less than Rp1,000,000,000.00 (one billion rupiah) excluding land and buildings for business premises; or (b) annual sales results of less than Rp2,000,000,000.00 (two billion rupiah), as referred to in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises. d) Small credit is credit granted to:
(1) productive economic enterprises that stand alone, are enterprises conducted by individuals or business entities that are not subsidiaries or branches owned, controlled, or part of, directly or indirectly, of medium or large enterprises that meet small enterprise criteria as referred to in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises. (2) productive economic enterprises as referred to in item (1) have:
(a) business capital of more than Rp1,000,000,000.00 (one billion rupiah) up to a maximum of Rp5,000,000,000.00 (five billion rupiah) excluding land and buildings for business premises; or

(b) annual sales results of more than Rp2,000,000,000.00 (two billion rupiah) up to a maximum of Rp15,000,000,000.00 (fifteen billion rupiah), as referred to in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises. e) Medium credit is credit granted to:
(1) productive economic enterprises that stand alone, are enterprises conducted by individuals or business entities that are not subsidiaries or branches owned, controlled, or part of, directly or indirectly, of small or large enterprises that meet medium enterprise criteria in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises. (2) productive economic enterprises as referred to in item (1) have:
(a) business capital of more than Rp5,000,000,000.00 (five billion rupiah) up to a maximum of Rp10,000,000,000.00 (ten billion rupiah) excluding land and buildings for business premises; or (b) annual sales results of more than Rp15,000,000,000.00 (fifteen billion rupiah) up to a maximum of Rp50,000,000,000.00 (fifty billion rupiah), as regulated in legislation governing the facilitation, protection, and empowerment of cooperatives and micro, small, and medium enterprises. f) Consumer credit is credit granted in the form of:
(1) Home Ownership Credit (Mortgage)/Apartment Ownership Credit (Apartment Loan) which aligns with credit for consumptive use in the household economic sector for owning residential houses, flats, and apartments in accordance with regulations on integrated conventional commercial bank reporting. (2) Non-Mortgage/Non-Apartment Loan credit which aligns with consumptive credit not included in Mortgage or Apartment Loan credit, including credit cards, multi-purpose credit, and unsecured credit.
5) SBK is filled based on the type of credit use, namely:
a) Consumer credit is credit intended for the working capital of the debtor. b) Working capital credit is credit intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, relocation of business and/or establishment of new business. The definition of investment includes the purchase of facilities and infrastructure for business activities such as the purchase of motor vehicles for productive business (including city transport and ojek). c) Investment credit is credit intended for consumption purposes.
6) Third-Party Fund Interest Rates are filled based on the type of financial instrument, namely:
a) Current accounts are third-party deposits owned by non-bank parties that can be withdrawn at any time using checks, bank drafts, giro, other payment order instruments, or through book transfers. b) Savings are details of third-party deposits owned by non-bank parties at the reporting bank that can only be withdrawn according to specific agreed terms, but cannot be withdrawn using checks, giro drafts, and/or other instruments equivalent to those. c) Deposits are third-party deposits owned by non-bank parties at the reporting bank that can only be withdrawn at a specific time according to an agreement between the depositor and the reporting bank.
7) SBDK and SBK percentages are filled by annualizing, with filling examples as follows:
Effective Percentage per Year Filled As
0.13% 0.13
7% 7.00
9.5% 9.50
20.78% 20.78

Export-Import Credit Grant Plan
a. Report Format
Export-Import Credit Grant Plan b. Filling Guidelines

T is the year of business plan implementation as per the Financial Services Authority Circular regarding the business plan of conventional commercial banks.
This form is detailed for export credit and import credit as follows:
a) Export is credit/financing granted to exporters and suppliers for financing production, collection, and preparation of goods for export, including among others export transaction financing, supply of goods for export, and production of goods for export. b) Import is credit/financing granted to importers for financing the procurement and collection of imported goods, including among others import transaction financing and supply of goods to be imported. In the event credit/financing is used to finance business activities that cannot be separated between export-oriented, import-oriented, or others (domestic), the classification of such credit is focused on the dominant orientation (the one receiving the largest financing facility). c) Others is credit/financing granted not in the context of export and import (domestic-oriented).
The amount of the export-import credit grant plan is filled by annualizing in units of millions of Rupiah.

Name Component Realization
(T-1)
Projection
(T-1)
Q4
(T)
Q1
(T)
Q2
(T)
Q3
(T)
Q4
(T+1)
Q4
(T+2)
Q4
Export Credit
Export of Oil and Gas
Non-Oil and Gas Export
Non-Oil and Gas Export included in criteria that can be considered in the SME credit ratio Other Non-Oil and Gas Export Import Credit Others Total Credit

Third-Party Credit Grant Plan to Banks and Non-Bank Third Parties Based on Type of Use
a. Report Format
Third-Party Credit Grant Plan to Banks and Non-Bank Third Parties Based on Type of Use b. Filling Guidelines

T is the year of business plan implementation as per the Financial Services Authority Circular regarding the business plan of conventional commercial banks.

Name Component Realization
(T-1)
Projection
(T-1)
Q4
(T)
Q1
(T)
Q2
(T)
Q3
(T)
Q4
(T+1)
Q4
(T+2)
Q4
RUPIAH
WORKING CAPITAL

Retail
Corporate
Others
Total Working Capital Credit
INVESTMENT
Retail
Corporate
Others
Total Investment Credit
CONSUMPTION
Retail
Corporate
Others
Total Consumption Credit
TOTAL RUPIAH
FOREIGN CURRENCY
WORKING CAPITAL
Retail
Corporate
Others
Total Working Capital
INVESTMENT
Retail
Corporate
Others
Total Investment Credit
CONSUMPTION
Retail
Corporate
Others
Total Consumption Credit
TOTAL FOREIGN CURRENCY
TOTAL RUPIAH +
FOREIGN CURRENCY

This form is filled based on the type of use for both Rupiah and foreign currency, covering:
a) Working Capital is credit/financing intended for the working capital of the debtor. b) Investment is credit/financing intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, relocation of business and/or establishment of new business. The definition of investment includes the purchase of facilities and infrastructure for business activities such as the purchase of motor vehicles for productive business (including city transport and ojek). c) Consumption is credit/financing intended for consumption purposes.
Credit/financing based on type of use is detailed as follows:
a) Corporate credit/financing is working capital and investment credit for non-SMEs and non-retail whose criteria are in accordance with the Bank’s policy. b) Retail credit/financing is working capital and investment credit for non-SMEs and non-corporate whose criteria are in accordance with the Bank’s policy. c) Others is credit/financing granted that is not corporate credit/financing or retail credit/financing.
The amount of the third-party credit grant plan to banks and non-bank third parties based on type of use is filled by annualizing in units of millions of Rupiah.

Implementation Plan for Laku Pandai Program
The format and filling guidelines for the Laku Pandai program implementation plan refer to information provided by the Financial Services Authority through publications on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.
Credit Grant Plan
The format and guidelines for the credit grant plan refer to information provided by the Financial Services Authority through publications on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.
Current Year KUR Credit Grant Plan
The format and guidelines for the Current Year People’s Business Credit (KUR) grant plan refer to information provided by the Financial Services Authority through publications on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.

I. ANNUAL REPORTS RELATED TO FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION
Annual reports related to financial publication and financial performance information consist of 4 (four) information items detailed as follows:

Document of the Table of Contents for Annual Financial Publication and Financial Performance Information Report per Component
a. Format and guidelines for compiling the Table of Contents document for Annual Financial Publication and Financial Performance Information Report per component in accordance with the Financial Services Authority Circular regarding transparency and publication of conventional commercial bank reports. b. Documents are uploaded in portable document format (.pdf).
Document of Annual Financial Publication and Financial Performance Information Report
a. Format and guidelines for compiling the Annual Financial Publication and Financial Performance Information Report document in accordance with the Financial Services Authority Circular regarding transparency and publication of conventional commercial bank reports. b. Documents are uploaded in portable document format (.pdf) that can be processed further with a maximum document file size of 25 MB.
Details of Governance Implementation
a. Details of governance implementation are details of information from the self-assessment report on governance implementation and transparency of governance implementation submitted by the Bank in the Annual Financial Publication and Financial Performance Information Report. b. Format and guidelines for filling in the details of governance implementation in accordance with the Financial Services Authority Circular regarding governance implementation for conventional commercial banks.
Management Letter
a. Management letter is a letter from a public accounting firm containing written comments from the public accountant to the Bank’s management regarding the results of the review of the internal control structure, implementation of financial accounting standards, or other issues encountered during the audit implementation, along with improvement suggestions. b. Management letter is uploaded in portable document format (.pdf) document format.

J. BANK REPORTS THAT ARE PART OF THE BANK BUSINESS GROUP Banks that are part of a business group submit the Bank Business Group Report consisting of:

Table of Contents for the Annual Business Group Report for Banks that are Part of the Business Group
The Table of Contents document for the Annual Business Group Report for banks that are part of the business group is uploaded in portable document format (.pdf).
Annual Business Group Report for Banks that are Part of the Business Group
The annual business group report for banks that are part of the business group with information coverage including:
a. Parent Entity Annual Report

Parent entity annual reports include:
a) all entities in the business group in the financial sector; or b) all entities in the business group in the financial and non-financial sectors, in the event letter a) is not available, for Banks that have a parent entity.
In the event the parent entity does not have an Annual Report, the Bank submits the Business Group Report in the form of consolidated financial statements of the parent entity audited by a public accountant, including:
a) all entities in the business group in the financial sector; or b) all entities in the business group in the financial and non-financial sectors, in the event letter a) is not available. b. Annual Report of Shareholders Who Exercise Direct Control or Entities That Exercise Direct Control over the Bank, for Banks that are Subsidiary Entities In the event the direct shareholder or entity exercising direct control does not have a report, the Bank submits the Business Group Report in the form of the annual financial report of the direct shareholder controlling the bank, which has been audited by a public accountant.
c. Annual Report of Subsidiary Entities, for Banks that are Parent Entities
In the event the subsidiary entity does not have a subsidiary entity annual report, the bank submits the Business Group Report in the form of the annual financial report of the subsidiary entity audited by a public accountant. d. Annual Report of the Head Office for Foreign Branches. Bank Reports that are part of the business group are uploaded in portable document format (.pdf) that can be processed further with a maximum document file size of 100 MB.

II. RISK AND CAPITAL INFORMATION GROUP
A. MINIMUM CAPITAL REQUIREMENT AND RISK-WEIGHTED ASSETS REPORT

Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Reports – Banks individually and Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Reports – Banks consolidated in accordance with Financial Services Authority regulations regarding:
a. minimum capital requirements for conventional commercial banks; b. guidelines for calculating risk-weighted assets for credit risk using the standard approach;
c. guidelines for calculating net exposure of derivative transactions in the calculation of risk-weighted assets for credit risk using the standard approach;
d. prudential principles in asset securitization activities for conventional commercial banks; e. calculation of risk-weighted assets for market risk for conventional commercial banks; and f. calculation of risk-weighted assets for operational risk using the standard approach for conventional commercial banks.
Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Reports are presented in millions of Rupiah.
Submission of Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Reports with details as follows:
No. Information Description
Calculation of
Minimum Capital Requirement
Ratio
Banks and Foreign Branches fill in the Minimum Capital Requirement Ratio Calculation Table individually as follows:
a. Table 1A: Calculation of Minimum Capital Requirement Ratio - Banks individually; or b. Table 1B: Calculation of Minimum Capital Requirement Ratio - Foreign Branches. For Banks that have subsidiary companies, in addition to filling in the tables above, they also fill in Table 1C: Calculation of Minimum Capital Requirement Ratio - Banks consolidated.
Additional Disclosure and
Explanation
Banks and Foreign Branches fill in Table 4A: Additional Disclosure and Explanation - Banks individually and Table 4B: Additional Disclosure and Explanation - Banks consolidated if deemed necessary to complete the filling of other tables in the Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Report.
Calculation of Risk-Weighted
Assets for Credit Risk
Format and guidelines for filling in the Calculation of Risk-Weighted Assets for Credit Risk in accordance with:
a. Financial Services Authority Circular regarding calculation of risk-weighted assets for credit risk using the standard approach for conventional commercial banks; and b. Financial Services Authority Circular regarding capital calculation for bank exposures to central counterparty institutions.

No. Information Description
4. Calculation of Risk-Weighted
Assets for Market Risk
Format and guidelines for filling in the Calculation of Risk-Weighted Assets for Market Risk in accordance with the Financial Services Authority Circular regarding calculation of risk-weighted assets for market risk for conventional commercial banks.

Calculation of Minimum Capital Requirement Ratio
a. Report Format

Table 1A - Calculation of Minimum Capital Requirement Ratio - Banks Individually
Calculation of Minimum Capital Requirement Ratio - Banks Individually

CORE CAPITAL
a. Core Capital Tier 1

Paid-up Capital (after deducting treasury shares)
a) Common shares b) Preferred shares
Additional Capital Reserves
a) Add-on Factors
(1) Other Comprehensive Income
(a) Translation differences in financial statements (b) Potential gains from fair value increases of financial assets measured at fair value through other comprehensive income (c) Surplus balance of fixed asset revaluation (2) Other Additional Capital Reserves (other disclosed reserves) (a) Premium from Core Capital Tier 1 instruments (b) General reserves (c) Retained earnings from previous years
i. Retained earnings from previous years after tax
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Gains on asset sales in securitization transactions
(d) Current year earnings
i. Current year earnings after tax
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Gains on asset sales in securitization transactions
(e) Capital contribution funds
(f) Others b) Deduction Factors
(1) Other Comprehensive Income
(a) Translation deficits in financial statements (b) Potential losses from fair value decreases of financial assets measured at fair value through other comprehensive income (2) Other Additional Capital Reserves (other disclosed reserves) (a) Discount from Core Capital Tier 1 instruments (b) Losses from previous years
i. Losses from previous years
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Gains on asset sales in securitization transactions
(c) Current year losses
i. Current year losses
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Gains on asset sales in securitization transactions

(d) Shortfall between Asset Quality Provision (PPKA) and Impairment Loss Reserve (CKPN) for productive assets (e) Shortfall in fair value adjustments of financial instruments in the Trading Book (f) Non-productive PPKA (g) Others
3) Core capital reduction factors
a) Deferred tax b) Intangible assets
(1) Goodwill
(2) Patent rights
(3) Software
(4) Others c) Investments counted as reduction factors d) Capital deficiency in insurance subsidiaries e) Securitization exposures f) Other core capital reduction factors (1) Funds placed in additional core capital instruments and/or supplementary capital instruments at other banks (2) Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift b. Additional core capital

Instruments meeting additional core capital requirements
a) Preferred shares (non-cumulative), after deducting buybacks b) Subordinated securities (perpetual non-cumulative), after deducting buybacks c) Subordinated loans (perpetual non-cumulative), after deducting buybacks
Premium from additional core capital instruments
Discount from additional core capital instruments
Additional core capital reduction factors
a) Funds placed in additional core capital instruments and/or supplementary capital instruments at other banks b) Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift

SUPPLEMENTARY CAPITAL
a. Capital instruments in the form of shares or others meeting supplementary capital requirements

Preferred shares (perpetual cumulative, non-perpetual), after deducting buybacks
Subordinated securities (perpetual cumulative, non-perpetual), after deducting buybacks
Subordinated loans (perpetual cumulative, non-perpetual), after deducting buybacks
Mandatory convertible bond
Amortization based on remaining term
b. Premium from supplementary capital instruments
c. Discount from supplementary capital instruments
d. General PPKA reserve for productive assets that must be calculated (maximum 1.25% of Credit Risk RWA) e. Supplementary capital reduction factors
Sinking fund
Funds placed in supplementary capital instruments at other banks
Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift

TOTAL CAPITAL
RISK-WEIGHTED ASSETS (RWA)
a. RWA for Credit Risk b. RWA for Market Risk
c. RWA for Operational Risk
CAR RATIO (ACTUAL)
a. Core capital ratio

Core capital ratio (main)
Additional core capital ratio
b. Supplementary capital ratio

CORE CAPITAL MAIN SHORTFALL TO MEET 4.5% MINIMUM
CORE CAPITAL SHORTFALL TO MEET 6% MINIMUM
CAR RATIO ACCORDING TO RISK PROFILE
ALLOCATION OF ACTUAL CAR RATIO TO MEET CAR RATIO ACCORDING TO RISK PROFILE 1)
a. Core capital ratio (minimum 4.5%) b. Allocated additional core capital ratio
c. Additional core capital ratio allocated to meet minimum 6% core capital 2)
d. Allocated supplementary capital ratio e. Additional core capital ratio allocated to meet risk profile CAR 3)
CAPITAL SHORTFALL TO MEET RISK PROFILE CAR
AVAILABLE CORE CAPITAL MAIN TO MEET BUFFER
TOTAL BUFFER THAT MUST BE FORMED 4)
a. Capital conservation buffer b. Countercyclical buffer
c. Capital surcharge for systemic banks
EXCESS OR SHORTFALL OF CORE CAPITAL MAIN TO MEET BUFFER
BUK reports are based on BUK's own calculations, while the Financial Services Authority will use supervisory data available at the Financial Services Authority. Notes:

Fulfillment of CAR according to risk profile and actual CAR ratio in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for commercial banks, with conditions:
a. Core Capital Main ratio of at least 4.5% of RWA; b. Core Capital ratio of at least 6% of RWA; and
c. Supplementary Capital ratio at most equal to the Core Capital ratio.
Only filled if Additional Core Capital Ratio is less than 1.5% so that the Core Capital minimum 6% requirement is met from the Core Capital Main Ratio.
Only filled if the allocated Actual CAR Ratio is smaller than the CAR Ratio according to Profile.
Only filled if the Actual Core Capital Main Ratio is greater than the Core Capital Main Ratio already allocated.
Table 1B: Calculation of CAR Ratio – KCBLN
Calculation of CAR Ratio – KCBLN
No. CAR Ratio Calculation Amount

Working Capital
a. Working Capital b. Paid-up capital
Retained earnings (profit/loss) from previous years that can be counted
Retained earnings (profit/loss) from previous years after tax consideration (+/-) Fair value increase/decrease of financial liabilities (+/-) Profit from asset sales in securitization transactions
Current year profit (loss) that can be counted
Current year profit (loss) after tax consideration (+/-) Fair value increase/decrease of financial liabilities (+/-) Profit from asset sales in securitization transactions
General reserve
Revaluation surplus balance of fixed assets

Other comprehensive income: potential gains from fair value increase of financial assets measured at fair value through other comprehensive income
7. General PPKA reserve for productive assets that must be calculated (maximum 1.25% of Credit Risk RWA)
8. Others
9. Capital reduction factors
a. Other comprehensive income:

Shortfall due to financial statement translation
Potential losses from fair value decrease of financial assets measured at fair value through other comprehensive income
b. Shortfall between PPKA and Impairment Loss Reserve (CKPN) for productive assets
c. Shortfall in fair value adjustments of financial instruments in the Trading Book
d. Non-productive asset PPKA e. Deferred tax f. Goodwill g. All other intangible assets h. Capital deficiency in insurance subsidiaries
i. Securitization exposures
j. Funds placed in additional capital instruments and/or supplementary capital instruments issued by other banks k. Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift
l. Others

TOTAL CAPITAL
WORKING CAPITAL PLACED IN CAPITAL EQUIVALENCY MAINTAINED ASSETS (CEMA)
RISK-WEIGHTED ASSETS (RWA)
a. RWA for Credit Risk b. RWA for Market Risk
c. RWA for Operational Risk
CAR RATIO (ACTUAL)
CAR RATIO ACCORDING TO RISK PROFILE
WORKING CAPITAL PLACED IN CEMA TO MEET BUFFER (%)
TOTAL BUFFER THAT MUST BE FORMED
a. Capital conservation buffer b. Countercyclical buffer
EXCESS OR SHORTFALL OF WORKING CAPITAL TO MEET BUFFER
KCBLN reports are based on KCBLN's own calculations, while the Financial Services Authority will use supervisory data available at the Financial Services Authority.

Table 1C: Calculation of CAR Ratio – BUK on a consolidated basis
Calculation of CAR Ratio – BUK on a consolidated basis

CORE CAPITAL
a. Core capital main

Paid-up capital (after deducting treasury shares)
a) Ordinary shares b) Preferred shares
Additional capital reserves
a) Add-on factors
(1) Other comprehensive income
(a) Financial statement translation surplus
(b) Potential gains from fair value increase of financial assets measured at fair value through other comprehensive income (c) Revaluation surplus balance of fixed assets (2) Other additional capital reserves (other disclosed reserves) (a) Premium from core capital main instruments (b) General reserve (c) Previous years' earnings
i. Previous years' earnings after tax consideration
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Profit from asset sales in securitization transactions
(d) Current year earnings
i. Current year earnings after tax consideration
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Profit from asset sales in securitization transactions
(e) Capital contribution funds
(f) Others b) Reduction factors
(1) Other comprehensive income
(a) Financial statement translation shortfall
(b) Potential losses from fair value decrease of financial assets measured at fair value through other comprehensive income (2) Other additional capital reserves (other disclosed reserves) (a) Discount from core capital main instruments (b) Previous years' losses
i. Previous years' losses
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Profit from asset sales in securitization transactions
(c) Current year losses
i. Current year losses
ii. Fair value increase/decrease of financial liabilities (+/-)
iii. Profit from asset sales in securitization transactions
(d) Shortfall between Asset Quality Provision (PPKA) and Impairment Loss Reserve (CKPN) for productive assets (e) Shortfall in fair value adjustments of financial instruments in the Trading Book (f) Non-productive PPKA

(g) Others
3) Non-controlling interests that can be counted
4) Core capital main reduction factors
a) Deferred tax b) Intangible assets
(1) Goodwill
(2) Patent rights
(3) Software
(4) Others c) Investments counted as reduction factors d) Capital deficiency in insurance subsidiaries e) Securitization exposures f) Other core capital main reduction factors (1) Funds placed in additional core capital instruments and/or supplementary capital instruments at other banks (2) Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift (3) Exposures at subsidiaries conducting business activities based on Sharia principles (if any) b. Additional core capital

Instruments meeting additional core capital requirements
a) Preferred shares (non-cumulative), after deducting buybacks b) Subordinated securities (perpetual non-cumulative), after deducting buybacks c) Subordinated loans (perpetual non-cumulative), after deducting buybacks d) Issuance of additional core capital by subsidiary companies in the form of banks and non-banks purchased by third parties (consolidated)
Premium from additional core capital instruments
Discount from additional core capital instruments
Additional core capital reduction factors
a) Funds placed in additional core capital instruments and/or supplementary capital instruments at other banks b) Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift

SUPPLEMENTARY CAPITAL
a. Capital instruments in the form of shares or others meeting supplementary capital requirements

Preferred shares (perpetual cumulative, non-perpetual), after deducting buybacks
Subordinated securities (perpetual cumulative, non-perpetual), after deducting buybacks
Subordinated loans (perpetual cumulative, non-perpetual), after deducting buybacks
Mandatory convertible bond
Issuance of supplementary capital by subsidiary companies in the form of banks and non-banks purchased by third parties (consolidated)
Amortization based on remaining term
b. Premium from supplementary capital instruments
c. Discount from supplementary capital instruments
d. General PPKA reserve for productive assets that must be calculated (maximum 1.25% of Credit Risk RWA) e. Supplementary capital reduction factors
Sinking fund
Funds placed in supplementary capital instruments at other banks
Cross-holdings in other entities acquired through legal transfer, donation, or testamentary gift

TOTAL CAPITAL
RISK-WEIGHTED ASSETS (RWA)
a. RWA for Credit Risk b. RWA for Market Risk
c. RWA for Operational Risk
CAR RATIO (ACTUAL)
a. Core capital ratio

Core capital ratio (main)
Additional core capital ratio
b. Supplementary capital ratio

CORE CAPITAL MAIN SHORTFALL TO MEET 4.5% MINIMUM
CORE CAPITAL SHORTFALL TO MEET 6% MINIMUM
CAR RATIO ACCORDING TO RISK PROFILE
ALLOCATION OF ACTUAL CAR RATIO TO MEET CAR RATIO ACCORDING TO RISK PROFILE 1)
a. Core capital ratio (minimum 4.5%) b. Allocated additional core capital ratio
c. Additional core capital ratio allocated to meet minimum 6% core capital 2)
d. Allocated supplementary capital ratio e. Additional core capital ratio allocated to meet risk profile CAR 3)
CAPITAL SHORTFALL TO MEET RISK PROFILE CAR
AVAILABLE CORE CAPITAL MAIN TO MEET BUFFER 4)
TOTAL BUFFER THAT MUST BE FORMED
a. Capital conservation buffer b. Countercyclical buffer
c. Capital surcharge for systemic banks
EXCESS OR SHORTFALL OF CORE CAPITAL MAIN TO MEET BUFFER
BUK reports are based on BUK's own calculations, while the Financial Services Authority will use supervisory data available at the Financial Services Authority. Notes:

Fulfillment of CAR according to risk profile and actual CAR ratio in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for commercial banks, with conditions:
a. Core Capital Main ratio of at least 4.5% of RWA; b. Core Capital ratio of at least 6% of RWA; and
c. Supplementary Capital ratio at most equal to the Core Capital ratio.
Only filled if Additional Core Capital Ratio is less than 1.5% so that the Core Capital minimum 6% requirement is met from the Core Capital Main Ratio.
Only filled if the allocated Actual CAR Ratio is smaller than the CAR Ratio according to Profile.
Only filled if the Actual Core Capital Main Ratio is greater than the Core Capital Main Ratio already allocated.

b. Filling Guidelines

CAR ratio calculation is done by calculating the BUK and KCBLN capital ratio against RWA for credit risk, RWA for market risk, and RWA for operational risk.
CAR ratio calculation includes:
a) Total BUK and KCBLN Capital includes capital components in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for commercial banks. b) RWA for Credit Risk is the total RWA whose calculation is in accordance with the Financial Services Authority Circular regarding the calculation of risk-weighted assets for credit risk using the standard approach for commercial banks and the Financial Services Authority Circular regarding margin requirements for derivative transactions not cleared through a central counterparty. c) RWA for Market Risk is the total RWA whose calculation is in accordance with the Financial Services Authority Circular regarding the calculation of risk-weighted assets for market risk for commercial banks. d) RWA for Operational Risk is the total RWA whose calculation is in accordance with the Financial Services Authority Circular regarding the calculation of risk-weighted assets for operational risk using the standard approach for commercial banks. e) CAR Ratio according to Risk Profile is in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for commercial banks. f) Total Buffer That Must Be Formed is the percentage of buffers that must be met by Banks in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for commercial banks, which includes:
(1) Capital Conservation Buffer (%), filled by BUK and KCBLN required to form the Capital Conservation Buffer; (2) Countercyclical Buffer (%), filled by BUK and KCBLN whose amount is determined by the competent authority; and (3) Capital Surcharge for systemic banks (%), filled by BUK required to form the capital surcharge for systemic banks in accordance with the Financial Services Authority Regulation regarding the determination of supervisory status and handling of commercial bank issues.

Disclosure and Additional Explanations
a. Report Format
Table 4A: Disclosure & Additional Explanations – Individual
Table 4B: Disclosure & Additional Explanations – Consolidated
b. Filling Guidelines
This table is filled when deemed necessary to complete the filling of other tables.

B. LIQUIDITY COVERAGE RATIO REPORT
LCR Report – BUK individually and LCR Report – BUK consolidated are Reports in accordance with the Financial Services Authority Regulation regarding liquidity coverage ratio fulfillment obligations for commercial banks. The LCR Report is presented in millions of Rupiah.

Quantitative Information
a. Report Format
Monthly Calculation Report of Liquidity Coverage Ratio Fulfillment Obligations Haircut or Run-off Rate or Inflow Rate Outstanding Value or Market Value Value after Haircut or Run-off Rate or Inflow Rate A. HQLA
HQLA Level 1
1.1 Cash and cash equivalents 0%
1.2 Total placements at Bank Indonesia, namely:
portion of placements at Bank Indonesia that can be withdrawn under stress conditions 0%
1.3 Securities meeting the criteria of Article 10 paragraph (1) letter c of POJK LCR
issued or guaranteed by another country's government 0% issued or guaranteed by another country's central bank 0% issued or guaranteed by public sector entities 0% issued or guaranteed by multilateral development banks 0% issued or guaranteed by international institutions 0% 1.4 Securities issued by the central government and Bank Indonesia in Rupiah and foreign currency meeting the criteria of Article 10 paragraph (1) letters d and e of POJK LCR 0%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate 1.5 Securities issued by other countries' governments and central banks in foreign currency with risk weights greater than 0% meeting the criteria of Article 10 paragraph (1) letter f of POJK LCR 0% Total HQLA Level 1 A
2. HQLA Level 2A
2.1 Securities meeting the criteria of Article 11 paragraph (1) letter a of POJK LCR
issued or guaranteed by another country's government 15% issued or guaranteed by another country's central bank 15% issued or guaranteed by public sector entities 15% issued or guaranteed by multilateral development banks 15% 2.2 Securities in the form of debt securities issued by non-financial corporations meeting the criteria of Article 11 paragraph (1) letter b of POJK LCR 15% 2.3 Securities in the form of covered bonds not issued by the reporting Bank or parties affiliated with the reporting Bank meeting the criteria of Article 11 paragraph (1) letter b of POJK LCR 15% Total HQLA Level 2A B
3. HQLA Level 2B
3.1 Asset-Backed Securities (ABS) in the form of residential properties meeting the criteria of Article 12 paragraph (1) letter a of POJK LCR 25%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate 3.2 Securities in the form of debt securities issued by corporations meeting the criteria of Article 12 paragraph (1) letter c of POJK LCR 50% 3.3 Ordinary shares owned by non-bank subsidiaries meeting the criteria of Article 12 paragraph (1) letter d of POJK LCR 50% 3.4 Securities issued or guaranteed by another country's government, another country's central bank, and/or public sector entities meeting the criteria of Article 12 paragraph (1) letter b of POJK LCR 50% Total HQLA Level 2B C Total HQLA before adjustment A + B + C = D Adjustment for Maximum Limit of HQLA Level 2B E Adjustment for Maximum Limit of HQLA Level 2 F Total HQLA D – (E + F) B. Net Cash Outflow (Net Cash Outflow)

Cash Outflows
1.1 Withdrawal of Individual Customer Deposits
Total Individual Customer Deposits:
Stable deposits 5%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate Stable deposits meeting the criteria of Article 50 paragraph (2) of POJK LCR *) filled by Banks operating cross-border. Run off rate follows host country Total Stable Individual Customer Deposits Less stable deposits 10% Less stable deposits meeting the criteria of Article 50 paragraph (2) of POJK LCR *) filled by Banks operating cross-border. Run off rate follows host country Additional deposit categories with higher withdrawal rates set by supervisors:
Category 1
Category 2
Category 3
Total Less Stable Individual Customer Deposits Total Withdrawal of Individual Customer Deposits
1.2 Withdrawal of Funding from Micro and Small Business Customers

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate Total Micro and Small Business Customer Funding:
Stable funding from customers meeting the criteria of Article 15 paragraph (1) of POJK LCR 5% Stable funding from customers meeting the criteria of Article 15 paragraph (2) of POJK LCR 5% Stable funding from customers meeting the criteria of Article 50 paragraph (2) of POJK LCR *) filled by Banks operating cross-border. Run off rate follows host country Total Stable Micro and Small Business Customer Funding Less stable funding from customers meeting the criteria of Article 21 paragraph (1) of POJK LCR 10% Less stable funding meeting the criteria of Article 50 paragraph (2) of POJK LCR *) filled by Banks operating cross-border. Run off rate follows host country Additional deposit categories with higher withdrawal rates set by supervisors:
Category 1

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate Category 2 Category 3 Total Less Stable Micro and Small Business Funding Total Withdrawal of Micro and Small Business Funding
1.3 Withdrawal of Funding from Corporate Customers
Total funding from corporate customers:
Operational deposits:
guaranteed by LPS 5% not guaranteed by LPS 25% Operational deposits meeting the criteria of Article 50 paragraph (1) of POJK LCR:
*) filled by Banks operating cross-border. Run off rate follows host country guaranteed by guarantee institutions *) filled by Banks operating cross-border. Run off rate follows host country

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate not guaranteed by guarantee institutions *) filled by Banks operating cross-border. Run off rate follows host country Total Corporate Customer Operational Deposits Non-operational deposits and/or non-operational liabilities guaranteed by LPS 20% not guaranteed by LPS 40% Non-operational deposits and/or non-operational liabilities meeting the criteria of Article 50 paragraph (1) of POJK LCR:
*) filled by Banks operating cross-border. Run off rate follows host country guaranteed by guarantee institutions *) filled by Banks operating cross-border. Run off rate follows host country

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate not guaranteed by a guarantee institution *) filled by banks operating cross-border. Run-off rate follows host country Non-operational deposits and/or non-operational liabilities from other entities 100% Securities in the form of debt instruments issued by the Bank 100% Total Non-operational Deposits and/or Non-operational Liabilities Total Funding Withdrawals from Corporate Customers
1.4 Secured Funding Withdrawals
Transactions conducted with Bank Indonesia 0%
Transactions conducted with HQLA Level 1 collateral 0% Transactions conducted with HQLA Level 2A collateral 15% Transactions conducted with the central government or public sector entities with the highest risk weight 20% or multilateral development banks, with collateral other than HQLA Level 1 or HQLA Level 2A 25% Transactions with HQLA Level 2B collateral in the form of EBA 25% Transactions with HQLA Level 2B collateral other than EBA 50%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate Transactions conducted with collateral other than HQLA 100% Total Secured Funding Withdrawals
1.5 Other Cash Outflows (Additional Requirement)
Other cash outflows related to derivative transactions 100% Other cash outflows related to increased liquidity needs associated with the Bank's rating downgrade in funding, derivative, and other agreements 100% related to mark-to-market changes over derivative or other transactions Absolute largest net collateral flow over 30 (thirty) days realized in 24 (twenty-four) months related to potential collateral value changes for derivatives and other transactions 20% related to excess non-segregated collateral held by the Bank that can be claimed by the counterparty at any time 100% related to the obligation to provide collateral to the counterparty for a 100%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate specific transaction but the counterparty (counterparty) has not yet requested such collateral related to the potential exchange of collateral in the form of HQLA into non-HQLA 100% Other cash outflows related to loss of Funding from EBA, covered bonds, and other structured financing instruments issued by the Bank 100% from asset-backed commercial paper, conduits, securities investment vehicles and similar financing facilities 100% of funding maturing within 30 (thirty) days to the future and assets that are potentially payable within 30 (thirty) days to the future even if not yet mature Other cash outflows related to commitment obligations in the form of credit facilities facilities provided to individuals or micro and small businesses 5% facilities provided to non-financial corporations, central government, Bank Indonesia, other countries' governments 10%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate other countries' governments, other countries' central banks, public sector entities, and/or multilateral development banks facilities provided to Banks and/or financial service institutions 40% facilities provided to other entities 100% Other cash outflows related to commitment obligations in the form of liquidity facilities facilities provided to individuals or micro and small businesses 5% facilities provided to non-financial corporations, central government, Bank Indonesia, other countries' governments, other countries' central banks, public sector entities, and/or multilateral development banks 30% facilities provided to Banks 40% facilities provided to financial service institutions and/or other entities 100% Other contractual obligations to provide funds to:
financial service institutions 100% individual customers 100% of the excess value between contractual obligations to disburse funds with 50% of total cash inflows

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate non-financial corporations 100% of the excess value between contractual obligations to disburse funds with 50% of total cash inflows Other contingent funding obligations from trade finance instruments 3% from credit facilities and liquidity facilities that are unconditionally revocable uncommitted 0% from Letters of Credit (L/C) and guarantees not related to trade finance obligations 5% from potential requests to repurchase Bank debt or related to securities investment vehicles and other financing facilities 5% from structured products anticipated by customers through ready marketability 5% from managed funds sold with the aim of maintaining value stability 5% obligation to cover potential repurchase of securities, with or without collateral, with a maturity of more than 30 5%

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate (thirty) days for issuers affiliated with dealers or market makers non-contractual obligation for customer short positions hedged with other customers' collateral 50% Other contractual cash outflows 100% Total Withdrawals Related to Other Cash Outflows (Additional Requirement) Total Cash Outflows
2. Cash Inflows
2.1 Secured Lending
Collateral not reused to cover customer short positions Collateral in the form of HQLA Level 1 0% Collateral in the form of HQLA Level 2A 15% Collateral in the form of EBA meeting HQLA Level 2B requirements 25% Collateral in the form of HQLA Level 2B other than EBA 50% Transactions in the form of margin lending but collateral other than HQLA 50% Collateral not meeting the requirements as stated above 100% Collateral reused to cover customer short positions 0% Total Cash Inflows from Secured Lending
2.2 Counterparty-based Receivables

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate individual customers 50% micro and small business customers 50% financial service institutions 100% Bank Indonesia 100% fund placements in other banks for operational activities 0% others (non-financial corporate customers, central government, other countries' governments, public sector entities and multilateral development banks) in the event that the receipt comes from principal and interest payments on loans with a performing quality 50% others (non-financial corporate customers, central government, other countries' governments, public sector entities and multilateral development banks) in the event that the receipt comes from non-HQLA securities with a remaining maturity of less than 30 (thirty) days 100% Total Cash Inflows by Counterparty (Counterparty)
2.3 Other Cash Inflows
from derivative transactions 100% from other contractual receivables 50% Total Other Cash Inflows Total Cash Inflows Total Cash Inflows That Can Be Offset in LCR Calculation (Maximum 75% of Total Cash Outflows)

Haircut or Run-off Rate or Inflow Rate
Outstanding Value or Market Value
Value after Haircut or Run-off Rate or Inflow Rate Net Cash Out Flow Total
C. LCR (Adjusted Value)
Total HQLA
Net Cash Out Flow Total
LCR Value

b. Filling Guidelines

Data for each row in the Monthly LCR Report is calculated
using average data from daily positions in the period Monthly Report.
The method for calculating the Monthly LCR Report is in accordance with
Financial Services Authority Regulations regarding the obligation to fulfill the liquidity coverage ratio for commercial banks.
Total High Quality Liquid Asset (HQLA)
Filled with the total HQLA owned by the Bank after deducting the value (haircut) for each HQLA Level.
Total Cash Outflows
Filled with the sum of all cash outflows after being multiplied by the withdrawal rate (run-off rate) for each type of cash outflow.
Total Cash Inflows
Filled with the sum of all cash inflows after being multiplied by the receipt rate (inflow rate) for each type of cash inflow.
LCR (Adjusted Value)
Adjusted value is calculated after applying haircuts, run-off rates, and inflow rates, or maximum limits for HQLA components, for example, maximum HQLA Level 2B and HQLA Level 2 limits and maximum cash inflow limits that can be offset in the LCR.
Total HQLA
Filled with the total HQLA after adjusting for maximum component limits HQLA. Total HQLA is obtained through the following formula:
Total HQLA = HQLA Level 1 + HQLA Level 2 – (Adjustment for maximum HQLA Level 2B limit + Adjustment for maximum HQLA Level 2 limit). Where:
a) Adjustment for maximum HQLA Level 2B limit is 15% which is the highest value between:
(1) adjusted HQLA Level 2B – 15/85 (adjusted HQLA Level 1 + adjusted HQLA Level 2A); (2) adjusted HQLA Level 2B – (15/60 x HQLA Level 1); or (3) 0 (zero). b) Adjustment for maximum HQLA Level 2 limit is 40% which is the highest value between:
(1) adjusted HQLA Level 2A + adjusted HQLA Level 2B – adjustment for maximum 15% HQLA Level 2B limit – (2/3 x adjusted HQLA Level 1); or (2) 0 (zero). c) Adjusted HQLA Level 1 is the HQLA Level 1 value in the event of unwinding short-term Securities Financing Transactions (SFT) or collateral swap transactions involving the exchange of HQLA for HQLA Level 1 including cash that meets, or will meet HQLA criteria in the event that the asset is unencumbered (unencumbered), which is an operational requirement for HQLA. d) Adjusted HQLA Level 2A is the HQLA Level 2A value in the event of unwinding short-term SFTs and collateral swap transactions involving the exchange of HQLA for HQLA Level 2A that meet, or will meet HQLA criteria in the event that the asset

is unencumbered (unencumbered), as operational requirements for HQLA. e) Adjusted HQLA Level 2B is the value of HQLA Level 2B in the event of unwinding short-term SFTs and collateral swap transactions involving the exchange of HQLA for HQLA Level 2B assets that meet, or will meet HQLA criteria in the event that the asset is unencumbered (unencumbered), as operational requirements for HQLA. f) In this context, short-term transactions are transactions with maturity dates up to 30 (thirty) calendar days.
8) Total Net Cash Outflows
Filled with the total estimated cash outflows (cash outflows) minus the total estimated cash inflows (cash inflows) after adjusting for the maximum cash inflow limits (cash inflows) that can be offset in the LCR.
9) LCR Value
Filled with the comparison result between Total HQLA and Total Net Cash Outflows (Net Cash Outflows).

Qualitative Information
a. Report Format
Calculation Analysis
Obligation to Fulfill the Liquidity Coverage Ratio (Liquidity Coverage Ratio) Monthly Report Bank Name:
Report Position:
Individual Analysis
Consolidated Analysis b. Filling Guidelines

In addition to quantitative information, the Bank must disclose additional
qualitative information both individually and in consolidation, in the form of explanations of the LCR calculation and value in the Monthly LCR Report.
Qualitative LCR information is filled with the results of the analysis of the
Bank's liquidity conditions, considering the significance of the LCR components as per the quantitative calculation. Examples of qualitative LCR disclosure information include:
a) main factors affecting the published LCR ratio and their impact on the movement of LCR calculations over time; b) LCR value trends compared to previous period values; c) HQLA composition; d) funding source concentration; e) derivative exposure and the potential for collateral calls (liquidity needs associated with rating downgrades from funding, derivative, and other agreements); f) currency mismatch in the LCR; g) explanations related to liquidity management, such as the level of centralization of liquidity management and interaction between work unit groups; and/or h) other cash inflows and cash outflows in LCR calculations not covered in the LCR disclosure template according to the Financial Services Authority Regulation regarding the obligation to fulfill the liquidity coverage ratio (liquidity coverage ratio) for commercial banks, but considered relevant to the Bank's liquidity profile.

C. INTRADAY LIQUIDITY REPORT
Format and filling guidelines for the intraday liquidity report are in accordance with the Financial Services Authority Circular Letter regarding the process of assessment of internal liquidity adequacy (internal liquidity adequacy assessment process) for commercial banks. D. LIQUIDITY COVERAGE RATIO REPORT IN SIGNIFICANT FOREIGN CURRENCY Format and filling guidelines for the liquidity coverage ratio report in significant foreign currency are in accordance with the Financial Services Authority Circular Letter regarding the process of assessment of internal liquidity adequacy (internal liquidity adequacy assessment process) for commercial banks. E. FUNDING PROFILE REPORT Format and filling guidelines for the Funding Profile Report are in accordance with the Financial Services Authority Circular Letter regarding the process of assessment of internal liquidity adequacy (internal liquidity adequacy assessment process) for commercial banks. F. BMPK REPORT AND LARGE FUNDING PROVISION Format and filling guidelines for the BMPK and large funding provision report individually and in consolidation are in accordance with the Financial Services Authority Regulation regarding the maximum limit for granting credit and providing large funds for commercial banks.

G. REPORT FROM BRANCH OFFICES OF FOREIGN BANKS REGARDING COMPLIANCE WITH CAPITAL EQUIVALENCY MAINTAINED ASSETS (CEMA) The report from the Foreign Bank Branch (KCBLN) regarding CEMA compliance individually is the Report in accordance with the Financial Services Authority Regulation regarding the minimum capital provision obligation for commercial banks. The format and filling guidelines for the KCBLN Report regarding CEMA compliance individually are as follows:

Report Format
a. Minimum CEMA Calculation
Liabilities
Average Total Liabilities
Average Total Inter-branch Liabilities
Average Total Liabilities as the Basis
for Minimum CEMA Calculation
Determination of minimum CEMA
Percentage of Total Liabilities
Nominal Value Rp 3 trillion Rp 3,000,000,000,000
Minimum CEMA
b. CEMA Financial Asset Details
Asset Type Asset Name
Issuer
(Issuer)
Asset
Rating
Acquisition
Date
Measurement
Category Maturity
Date Asset Value
Total
c. Bank Liability Position Details
Total Liabilities Total Inter-branch Liabilities Total Liabilities as the Basis for Minimum CEMA Calculation Week I Week II Week III Week IV Total Average
Filling Guidelines
a. Minimum CEMA Calculation
This section provides information related to the amount of minimum CEMA that must be fulfilled by the Foreign Bank Branch after considering the average total liabilities of the bank over 1 (one) reporting period in full units consisting of:

Average Total Liabilities
Average total liabilities is the weekly average of all bank liability positions during the reporting month period.
Average Total Inter-branch Liabilities
Average total inter-branch liabilities is the weekly average of all inter-branch liability positions during the reporting month period.
Average Total Liabilities as the Basis for Minimum CEMA
Calculation
Average total liabilities as the basis for minimum CEMA calculation is the result of the calculation of average total liabilities minus the average total inter-branch liabilities.
Percentage of Total Liabilities
Percentage of total liabilities is the result of the calculation of 8% (eight percent) against the average total liabilities.
Nominal Value Rp 3 trillion
Nominal value of Rp3,000,000,000,000.00 (three trillion rupiah) in accordance with the minimum core capital regulated in the Financial Services Authority Regulation regarding the consolidation of commercial banks.
Minimum CEMA
Minimum CEMA is the CEMA that must be fulfilled by the Bank which is 8% (eight percent) of the average total liabilities and at least Rp3,000,000,000,000.00 (three trillion rupiah). b. CEMA Financial Asset Details Contains information on all financial assets owned by the Foreign Bank Branch that meet the requirements as CEMA during the reporting period, which consists of:
Asset Type
Filled with 1 (one) digit according to the type of financial asset used to fulfill CEMA with reference as follows:
No. Agreement Type Code

Government Securities of the Republic
of Indonesia
Bank Securities 2
Corporate Securities 3

Asset Name
Asset name is the specific name of the financial asset used to fulfill CEMA.
Issuer
Issuer is the name of the issuer of the financial asset used as CEMA.
Asset Rating
a) Asset rating is the asset rating issued by rating agencies in accordance with the Circular Letter of the Financial Services Authority regarding rating agencies and ratings recognized by the Financial Services Authority. b) This row is only filled for CEMA asset types other than asset ratings are only filled for CEMA asset types other than Government Securities of the Republic of Indonesia.
Acquisition Date
Acquisition date is the date of purchase of the financial asset by the bank.
Measurement Category
Filled with 2 (two) digits according to the type of financial asset used to fulfill CEMA with reference as follows:
No. Agreement Type Code

Measured at Fair Value Through Profit or Loss AC
Measured at Fair Value Through Other Comprehensive
Income
OC
Measured at Amortized Cost PL

Maturity Date
Maturity date is the maturity date of the financial asset.
Asset Value
Asset value is the recorded value of the financial asset in full units.
Total
Total is the sum of all financial asset values used to fulfill the CEMA obligation in full units.
c. Bank Liability Position Details
Contains information on the nominal amount of the Foreign Bank Branch's liability positions for each end-of-week position according to the bank's weekly balance sheet, which consists of:
Total Liabilities
Total liabilities are the total liabilities at each end-of-week position in the reporting month period.
Total Inter-branch Liabilities
Total inter-branch liabilities are the total inter-branch liabilities at each end-of-week position in the reporting month period.
Total Liabilities as the Basis for Minimum CEMA Calculation
Total Liabilities as the basis for CEMA calculation is the value of total liabilities minus total inter-branch liabilities.
Total
Total is the sum value of all rows in each column of total liabilities, total inter-branch liabilities, and total liabilities as the basis for minimum CEMA calculation.
Average
Average is the average value during the reporting month period for each column of total liabilities, total inter-branch liabilities, and total liabilities as the basis for calculation of minimum CEMA.

H. LEVERAGE RATIO COMPLIANCE REPORT
Format and filling guidelines for the leverage ratio compliance report individually and in consolidation are in accordance with the Financial Services Authority Regulation regarding the obligation to fulfill the leverage ratio for commercial banks.
I. NET STABLE FUNDING RATIO WORKSHEET AND NET STABLE FUNDING
RATIO REPORT
Format and filling guidelines for the NSFR worksheet and NSFR Report individually and in consolidation are in accordance with the Financial Services Authority Regulation regarding the obligation to fulfill the net stable funding ratio (net stable funding ratio) for commercial banks. J. ASSET QUALITY REPORT AND PPKA-BANK FORMATION IN CONSOLIDATION Format and filling guidelines for the asset quality report and PPKA formation – Commercial Banks in consolidation are in accordance with the Circular Letter of the Financial Services Authority regarding prudential principles and reports in the framework of applying risk management in consolidation for banks that exercise control over subsidiaries. K. SURVIVAL PERIOD MONITORING REPORT Format and filling guidelines for the Survival Period Monitoring Report are in accordance with the Circular Letter of the Financial Services Authority regarding the process of assessment of internal liquidity adequacy (internal liquidity adequacy assessment process) for commercial banks.

L. SENSITIVITY TO MARKET RISK-INTEREST RATE
The sensitivity to market risk-interest rate report contains the Bank's exposure report in Rupiah and foreign currency affected by interest rate market risk mapped by maturity (zone). This report is used to assess the health of the Bank for the factor of sensitivity to market risk (sensitivity to market risk) due to interest rate changes.

Report Format
Sensitivity to Market Risk-Interest Rate
No. TIME SCALE
Code
COMPONENT
NOMINAL
RUPIAH
ASSETS
FOREIGN CURRENCY
ASSETS
RUPIAH
LIABILITIES
FOREIGN CURRENCY
LIABILITIES
ZONE I
Up to
1 month

1- 3 months
3 -6 months
6 - 12
months

ZONE II

1-2 years
2-3 years
3-4 years

ZONE III

4-5 years
5-7 years
7-10 years
10-15 years
15-20 years more than
20 years

Filling Guidelines
Explanation of row or column filling a. Zone I This row is filled with the Bank's exposure both assets and liabilities affected by interest rate risk mapped by maturity divided into time scales (Zone I) as follows:

up to 1 (one) month;
more than 1 (one) month up to 3 (three) months;
more than 3 (three) months up to 6 (six) months; and
more than 6 (six) months up to 12 (twelve) months.
b. Zone II
This row is filled with the Bank's exposure both assets and liabilities affected by interest rate risk mapped by maturity divided into time scales (Zone II) as follows:
more than 1 (one) year up to 2 (two) years;
more than 2 (two) years up to 3 (three) years; and
more than 3 (three) years up to 4 (four) years.
c. Zone III
This row is filled with the Bank's exposure both assets and liabilities affected by interest rate risk mapped by maturity divided into time scales (Zone III) as follows:
more than 4 (four) years up to 5 (five) years;
more than 5 (five) years up to 7 (seven) years;
more than 7 (seven) years up to 10 (ten) years;
more than 10 (ten) years up to 15 (fifteen) years;
more than 15 (fifteen) years up to 20 (twenty) years; and
more than 20 (twenty) years.

M. RISK PROFILE REPORT
The risk profile report is the Report in accordance with the Financial Services Authority regulations regarding the application of risk management for commercial banks. The risk profile report consists of 2 (two) pieces of information:

Risk Profile for the Bank; and
Supporting Documents.
The Bank prepares the Risk Profile Report individually and in consolidation.
Risk Profile for Banks
a. Report Format
Risk Profile for Banks
Risk Profile
Assessment of Current Quarter Position Assessment of Previous Quarter Position Ranking Inherent Risk Risk Management Implementation Quality Ranking Risk Level Ranking Inherent Risk Ranking Risk Management Implementation Quality Ranking Risk Level Ranking Credit Risk Market Risk Liquidity Risk Operational Risk Legal Risk Strategic Risk Compliance Risk Reputational Risk Composite Ranking Analysis

b. Filling Guidelines
The method for assessing the risk profile for BUKs is in accordance with the Financial Services Authority regulations regarding the implementation of risk management for conventional commercial banks.

Each assessment for credit risk, market risk, liquidity risk, operational risk, legal risk, strategic risk, compliance risk, and reputational risk is filled with 1 (one) digit with the following reference codes:
No. Inherent Risk Ranking Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Risk Management Implementation Quality Ranking Code
Strong 1
Satisfactory 2
Fair 3
Marginal 4
Unsatisfactory 5
No. Risk Level Ranking Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5

The "Composite Ranking" row for Inherent Risk Ranking, Risk Management Implementation Quality Ranking, and Risk Level Ranking is filled with reference codes as follows:
No. Composite Ranking for Inherent Risk Ranking Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Composite Ranking for Risk Management Implementation Quality Ranking Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Composite Ranking for Risk Level Ranking Code
Ranking 1 1
Ranking 2 2
Ranking 3 3
Ranking 4 4
Ranking 5 5

The risk profile assessment table is submitted comparatively with the previous quarter's position.
The analysis table is filled with a brief description of the bank's overall risk profile, including assessments of inherent risk and risk management implementation quality, focusing on significant risk exposures in the BUK.

Supporting Documents
a. Supporting documents contain at least the following:

Risk analysis worksheets containing analysis of risks in bank activities including:
a) Risk Ranking: The final conclusion regarding the BUK's risk level, covering inherent risk level and risk management implementation quality, thereby describing the BUK's risk level. b) Inherent Risk: Description of inherent risk assessment based on analysis of assessment factors using both quantitative and qualitative indicators, thereby describing the BUK's inherent risk level. c) Risk Management Implementation Quality: Analysis of risk management implementation quality consisting of risk management framework governance, risk management processes, human resources, risk management information systems, and risk controls.
IRRBB Calculation Report in accordance with the Financial Services Authority Circular Letter regarding the implementation of risk management and standard approach risk measurement for interest rate risk in the banking book (interest rate risk in the banking book) for conventional commercial banks.
Information on bank transactions with related parties individually that are material, namely transactions with a value exceeding 0.25% of the BUK's core capital. The scope of related parties and the scope of related party transactions are as regulated in the Financial Services Authority Circular Letter regarding governance of conventional commercial banks. The Financial Services Authority may request more detailed and specific information when necessary.
b. Documents are uploaded in portable document format (.pdf) which can be processed further.

N. IMPLEMENTATION REPORT AND MAIN POINTS OF INTERNAL AUDIT RESULTS The implementation report and main points of internal audit results are Reports in accordance with the Financial Services Authority Regulation regarding the implementation of the internal audit function in conventional commercial banks. The implementation report and main points of internal audit results consist of 2 (two) forms, namely:

Internal audit summary covering significant internal audit findings; and
Implementation report and main points of internal audit results.
Internal Audit Summary
a. Report Format
Internal Audit Summary
Activity Object/Audit Scope
Audit Implementation Time
Use of External Parties
Audit Findings
SKAI Recommendations on Audit Findings
Auditee Response to Audit Results
Auditee Follow-up Determined by SKAI on Audit Findings Auditee Commitments Agreed by SKAI SKAI Monitoring Results of Auditee Commitments on Realization of Commitments Promised by Auditee

b. Filling Guidelines

Activity
Filled with reference codes as follows:
No. Activity Code

Lending 1
Treasury 2
Operations 3
Funding 4
Information Technology 5
AML CFT and PPSPM 6
Subsidiaries 7
Sharia Business Unit (UUS) 8
Others 99

Object/Audit Scope
Filled with a description of the audit scope such as object, location, process, system, component, and other elements that will be the focus of the audit.
Audit Implementation Time
Filled with the audit implementation period, i.e., the start date and end date of the audit in yyyymmdd - yyyymmdd format. For example, an audit period implemented from January 1, 2027 to March 31, 2027 is filled as 20270101 – 20270331.
Use of External Parties
Filled with the name of the external party involved in providing internal audit services.
Audit Findings
Filled with significant internal audit findings.
SKAI Recommendations on Audit Findings
Filled with SKAI recommendations in the form of corrective actions to address audit findings.
Auditee Response to Audit Results
Filled with the auditee's explanation regarding the findings.
Auditee Follow-up Determined by SKAI on Audit Findings
Filled with the follow-up actions implemented by the auditee regarding the audit findings.
Auditee Commitments Agreed by SKAI
Filled with a description of the follow-up commitments by the auditee to resolve or improve audit findings agreed upon by SKAI.
SKAI Monitoring Results of Auditee Commitments on Realization of Commitments Promised by Auditee
Filled with the realization of follow-up commitments that must be implemented by the auditee and the monitoring results by SKAI regarding the auditee's commitments.

Implementation Report and Main Points of Internal Audit Results
a. Information reported in the Implementation Report and Main Points of Internal Audit Results includes:

audit findings;
SKAI recommendations on audit findings;
auditee response to audit results;
auditee follow-up determined by SKAI on audit findings;
auditee commitments agreed by SKAI;
SKAI monitoring results of auditee commitments on realization of commitments promised by the auditee; and
more detailed explanations/descriptions of audit findings presented in the Internal Audit Summary (if any).
b. Documents are submitted in portal document format (.pdf) which can be processed further.

O. SELF-ASSESSMENT REPORT ON BANK HEALTH LEVEL The self-assessment report on Bank Health Level is a Report in accordance with the Financial Services Authority Regulation regarding the assessment of the health level of conventional commercial banks. BUKs compile the self-assessment report on Bank Health Level individually and on a consolidated basis. The self-assessment report on Bank Health Level consists of 2 (two) pieces of information, namely:

Self-Assessment of Bank Health Level; and
Supporting Documents.
Self-Assessment of Bank Health Level
a. Report Format
Table 1: Bank Health Level Assessment Results
No. Assessment Factor Ranking
Risk Profile
Governance
Profitability
Capital
Bank Health Level Ranking
Analysis of Overall Bank Conditions
Profitability Analysis
Capital Analysis
Table 2: Risk Profile Factor Assessment
Risk Profile
Inherent Risk Ranking
Risk Management Implementation Quality Ranking Risk Level Ranking Credit Risk Market Risk Liquidity Risk Operational Risk Legal Risk Strategic Risk Compliance Risk Reputational Risk Composite Ranking Analysis
Table 3: Governance Factor Assessment
Self-Assessment Results of Governance Implementation Ranking Definition Ranking Assessment Governance Ranking Analysis

b. Filling Guidelines
The method for self-assessment of the Bank's health level is in accordance with the Financial Services Authority Circular Letter regarding the assessment of the health level of conventional commercial banks.

Table 1: Bank Health Level Assessment Results
a) Each ranking for the risk profile row, governance row, profitability row, and capital row is filled with reference codes as follows:
No. Ranking Code

Ranking 1 1
Ranking 2 2
Ranking 3 3
Ranking 4 4
Ranking 5 5
b) Bank Health Level Ranking is filled with 1 (one) digit according to the following reference:
No. Bank Health Level Ranking Code
PK-1 1
PK-2 2
PK-3 3
PK-4 4
PK-5 5
c) The "Analysis of Overall Bank Conditions" column is filled with a brief description of the BUK's overall conditions reflected from the four bank health assessment factors, namely risk profile analysis, governance implementation analysis, profitability analysis, and capital analysis. d) The "Profitability Analysis" column is filled with a brief description regarding the final conclusion on the BUK's profitability performance considering the profitability assessment factor. In the event that the BUK has consolidated subsidiaries, the BUK considers the impact of the subsidiaries' profitability performance on the BUK's overall profitability considering the significance and materiality of the subsidiaries. e) The "Capital Analysis" column is filled with a brief description regarding the final conclusion on the BUK's capital performance considering the capital assessment factor. In the event that the BUK has consolidated subsidiaries, the BUK considers the impact of the subsidiaries' capital performance on the BUK's overall capital considering the significance and materiality of the subsidiaries.

Table 2: Risk Profile Factor Assessment
a) Each assessment for credit risk, market risk, liquidity risk, operational risk, legal risk, strategic risk, compliance risk, and reputational risk is filled with reference codes as follows:
No. Inherent Risk Ranking Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Risk Management Implementation Quality Ranking Code
Strong 1
Satisfactory 2
Fair 3
Marginal 4
Unsatisfactory 5
No. Risk Level Ranking Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
b) The "Composite Ranking" row for Inherent Risk Ranking, Risk Management Implementation Quality Ranking, and Risk Level Ranking is filled with reference codes as follows:
No. Composite Ranking for Inherent Risk Ranking Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Composite Ranking for Risk Management Implementation Quality Ranking Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Composite Ranking for Risk Level Ranking Code
Ranking 1 1
Ranking 2 2
Ranking 3 3
Ranking 4 4
Ranking 5 5
c) The analysis table is filled with a brief description of the bank's overall risk profile, including assessments of inherent risk and risk management implementation quality, focusing on significant risk exposures in the BUK.

Table 3: Governance Factor Assessment
a) Filling guidelines for the governance factor assessment are in accordance with the Financial Services Authority Circular Letter regarding the implementation of governance for conventional commercial banks. b) The governance ranking value must be the same as the governance ranking value in Table 1.

Supporting Documents.
a. Supporting documents contain at least the following information:

Minimum Capital Requirement (KPMM) calculations according to the risk profile individually in accordance with the Financial Services Authority Regulation regarding minimum capital provision obligations for conventional commercial banks;
risk analysis assessments including:
a) Risk Ranking: final conclusion regarding the BUK's risk level, covering inherent risk level and risk management implementation quality, thereby describing the BUK's risk level; b) Inherent Risk: description of inherent risk assessment based on analysis of assessment factors using both quantitative and qualitative indicators, thereby describing the BUK's inherent risk level; c) Risk Management Implementation Quality: analysis of risk management implementation quality consisting of risk management framework governance, risk management processes, human resources, risk management information systems, and risk controls;
more detailed explanations/descriptions of the analysis presented in the self-assessment of the BUK's health level (if any);
IRRBB Calculation Report in accordance with the Financial Services Authority Circular Letter regarding the implementation of risk management and standard approach risk measurement for interest rate risk in the banking book (interest rate risk in the banking book) for conventional commercial banks;
Risk Management Implementation Report for IRRBB in accordance with the Financial Services Authority Circular Letter regarding the implementation of risk management and standard approach risk measurement for interest rate risk in the banking book (interest rate risk in the banking book) for conventional commercial banks; and
information on bank transactions with related parties individually that are material, including transactions with a value exceeding 0.25% of the Bank's core capital. The scope of related parties and the scope of related party transactions are as regulated in the Financial Services Authority Circular Letter regarding governance of conventional commercial banks. The Financial Services Authority may request more detailed and specific information when necessary.
b. Documents are uploaded in portable document format (.pdf) which can be processed further.

P. COMPLIANCE REPORT
Compliance Report in accordance with the Financial Services Authority Regulation regarding the implementation of the compliance function in conventional commercial banks. The compliance report consists of 2 (two) pieces of information, namely:

Compliance Report Summary; and
Compliance Report.
Compliance Report Summary
a. Report Format
Compliance Report Summary
Current Semester Previous Semester
Implementation of compliance function duties
Compliance risks faced
Potential compliance risks estimated to be faced in the future Compliance risk mitigation implemented Other aspects b. Filling Guidelines

Compliance summary is filled with a brief description regarding the implementation of compliance function duties, compliance risks faced, potential compliance risks estimated to be faced in the future, compliance risk mitigation implemented, and other aspects.
The Compliance Report Summary is submitted comparatively with the previous semester's position. For example, the Compliance Report Summary for Semester II of 2030 is submitted comparatively with the Compliance Report Summary for Semester I of 2030.

Compliance Report
a. The document is the Compliance Report in accordance with the Financial Services Authority Regulation regarding the implementation of the compliance function in conventional commercial banks. b. Documents are uploaded in portable document format (.pdf) which can be processed further.

Q. ANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING REPORT (AML AND CTF)

AML and CTF Report
a. The AML and CTF Report consists of 3 (three) types of forms, namely:
No. Form Data Position Period
Politically Exposed Person (PEP) Customers and Prime Customers
Semi-Annual
III
(at the end of the month in the second month following)
Products, Activities, and Distribution Networks
Semi-Annual
III
(at the end of the month in the second month following)
Customer Composition Based on Risk
Semi-Annual
III
(at the end of the month in the second month following) b. BUKs with a Sharia Business Unit (UUS) submit 1 (one) Report using the BUK format. Data in the BUK format includes UUS data.
c. If data reported is in foreign currency, it is converted to Rupiah using the Bank Indonesia middle exchange rate at the closing of the data position month of the Report.
Form Formats and Filling Guidelines:
a. PEP Customers and Prime Customers
The PEP Customer and Prime Customer Form contains information regarding the total nominal Third-Party Funds (DPK) in the BUK, owned by PEP customers and prime customers, as well as the total number of each customer group.

Form format
No. Customer Type Nominal Number of Customers

Domestic PEP Customers
Foreign PEP Customers
Total PEP Customers
Domestic Prime Customers
Foreign Prime Customers
Total Prime Customers

Filling Guidelines:
a) Customer Type
Filled with customer classification based on determined criteria, namely:
(1) Politically Exposed Person (PEP) is a PEP in accordance with the Financial Services Authority Regulation regarding the implementation of anti-money laundering and counter-terrorism financing programs in the financial services sector. PEP Customers are divided into:
a. domestic PEP customers; and b. foreign PEP customers; (2) Prime Customers are prime customers in accordance with the Financial Services Authority Regulation regarding the implementation of risk management in conventional commercial banks providing prime customer services. Prime Customers are divided into:
a. domestic prime customers; and b. foreign prime customers.
(3) PEP customers and prime customers are each divided into domestic customers (Indonesian citizens) and foreign customers (non-Indonesian citizens). (4) In the event that a PEP customer is also a prime customer, the BUK reports the customer as both a PEP customer and a prime customer. b) Nominal Filled with the total nominal DDK owned by the customer as stated in the contract (nominal value). DDK Nominal is the sum of customer deposits in Rupiah and foreign currency converted to Rupiah. c) Number Filled with the total number of customers calculated based on the number of counterparty IDs at the data position month of the Report. b. Products, Activities, and Distribution Networks The Products, Activities, and Distribution Networks Form is a form containing information regarding the total volume and frequency of transactions for several products, activities, and distribution networks owned by the BUK.
Form format
Products, Activities, and Distribution Networks Form No. Type of Product, Activity, and Distribution Network Transaction Volume Transaction Frequency

International Fund Transfer Incoming
International Fund Transfer Outgoing
Cross-border Correspondent Banking (Vostro)
Face-to-Face Distribution Network
Non-Face-to-Face Distribution Network

Filling Guidelines:
a) Type of Product, Activity, and Distribution Network (1) International fund transfer is a fund transfer in accordance with the law on fund transfers. International fund transfers consist of:
(a) international fund transfer incoming, namely funds entering Indonesian territory with the reporting BUK customer acting as the final recipient of funds sent by the originating sender organizer located outside Indonesian territory; and (b) international fund transfer outgoing, namely funds leaving Indonesian territory, with the reporting BUK customer acting as the originating sender of funds sent to the final recipient organizer located outside Indonesian territory. International fund transfer transactions (incoming/outgoing) include transactions of funds entering or leaving the BUK internationally through Bank or non-bank sender/recipient organizers (including Money Gram and Western Union). (2) Cross-border correspondent banking (vostro), where the reporting BUK acts as the correspondent for a BUK located outside Indonesian territory. Meanwhile, correspondent banking is correspondent banking in accordance with the Financial Services Authority Regulation regarding the implementation of anti-money laundering and counter-terrorism financing programs in the financial services sector. Cross-border correspondent banking (vostro) transactions include funds entering or leaving the BUK's vostro account (accumulation of mutations). Debit mutations are summed with credit mutations. (3) Distribution Network is a distribution network in accordance with the Financial Services Authority Circular Letter regarding the implementation of anti-money laundering and counter-terrorism financing programs in the banking sector. Distribution Networks are divided into 2 (two) types, namely:
(a) face-to-face distribution network, where transactions between customers and the BUK party are conducted in-person, i.e., in the same physical location and conducted through physical interaction. For example, transactions conducted by customers at the BUK office through tellers, and transactions conducted by customers through pick-up service; and (b) non-face-to-face distribution network, where transactions between customers and the Bank party are not conducted in-person, i.e., not in the same physical location and not conducted through physical interaction. For example, transactions via telephone, email, ATM, mobile banking, video, and internet banking. Face-to-face and non-face-to-face distribution network transactions include all financial transactions conducted by customers on the BUK's distribution network, provided that:
(a) the transaction increases or decreases the nominal amount of funds in the customer's account; and (b) it does not include account mutations arising from interest on deposits, tax expenses on interest, and BUK administration fees. b) Volume Filled with the total nominal value of transactions over a 6 (six) month period (one semester). c) Transfer Frequency Filled with the total number of transactions over a 6 (six) month period (one semester).
c. Customer Composition Based on Risk Form
The Customer Composition Based on Risk Form is a form for grouping customers based on the level of risk of money laundering and/or terrorism financing occurrence in accordance with the Financial Services Authority Regulation regarding the implementation of anti-money laundering and counter-terrorism financing programs in the financial services sector.
In the event that customer grouping based on risk by the BUK differs from customer grouping based on risk in the AML and CTF Report, the BUK adjusts the customer risk level to low, medium, or high according to the customer grouping based on risk in the AML and CTF Report.
Example: Customer grouping based on risk by the BUK is conducted in a range of 1 to 7. The BUK maps the customer grouping based on risk mentioned in the AML and CTF Report into high, medium, and low risk levels as shown in the following table:
Customer Grouping Based on Risk by BUK
Customer Grouping Based on Risk in AML and CTF Report Number of Customers 1 1 210,394 2 1 101,092 3 2 100,720 4 2 99,875 5 2 97,456 6 3 23,455 7 3 14,045
Form Format
Customer Composition Form by Risk Grouping
Customer Grouping by Risk by BUK
Customer Grouping by Risk in APU and PPT Report Total Customers
Filling Guidelines
a) Customer Grouping by Risk by BUK is filled in accordance with the results of the BUK's risk assessment regarding the risk of money laundering and/or terrorism financing against its customers, where the range of customer risk levels is possible not only low, medium, and high. b) Customer Grouping by Risk in APU and PPT Report (1) Filled with a character of 1 (one) digit according to the customer group code. (2) Data filling reference:
Customer Group Code
Low money laundering and/or terrorism financing risk 1 Medium money laundering and/or terrorism financing risk 2 High money laundering and/or terrorism financing risk 3 c) Total Customers Filled with the total number of customers calculated based on the number of counterparty IDs as of the data position in the Reporting month.

R. REPORT ON THE IMPLEMENTATION OF INTERNAL LIQUIDITY ADEQUACY ASSESSMENT PROCESS (ILAAP) Format and filling guidelines for the Internal Liquidity Adequacy Assessment Process (ILAAP) implementation report in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

S. REPORT ON THE UPDATE OF THE RECOVERY ACTION PLAN Format and filling guidelines for the Recovery Action Plan update report in accordance with the Financial Services Authority Regulation regarding the determination of supervisory status and handling of commercial bank problems. This report is submitted in the form of a portable document format (.pdf) document that can be processed further.

T. REPORT ON RISK-WEIGHTED ASSETS FOR OPERATIONAL RISK Format and filling guidelines for the Risk-Weighted Assets for Operational Risk report in accordance with the Financial Services Authority Circular regarding the calculation of risk-weighted assets for operational risk using the standard approach for commercial banks.

III. GROUP OF PRODUCT, ACTIVITY AND ACTIVITY INFORMATION
A. REPORT ON THE DEVELOPMENT OF LAKU PANDAI IMPLEMENTATION The development report on Laku Pandai implementation is a Report in accordance with the Financial Services Authority Regulation regarding financial services without branches in the context of financial inclusion by banks. The format and filling guidelines for the Laku Pandai implementation development report are as follows:

Form 010 - Report on Active and Closed Laku Pandai Agents
a. Report Format
Active and Closed Laku Pandai Agent Report
Bank Code
Identity Number
Agent Identification Number
Agent Name
Gender
Agreement Number
Agreement Date
Cooperation Date
Execution Date
Agent Type
Agent Classification
Agent Business Type
Agent Location
Postal Code
Latitude
Longitude
Regency/City
Electronic Device Used
Other Services
Bank Office Code
Agent Status
Digital Financial Services
Micro Insurance
Investment
Tax
Zakat
Agent Development
Remarks

b. Filling Guidelines

Bank Code
Filled in accordance with the Bank Code.
Identity Number
Filled with the identity number as stated in the identity documents, including the National Identity Number (NIK) for individual agents and the Taxpayer Identification Number (NPWP) for legal entity agents.
Agent Identification Number
Filled with the agent identification number with the following provisions:
a) The agent identification number consists of 3 (three) digits of bank code - 4 (four) digits of city/regency code - 1 (one) digit of agent code for individuals or legal entities according to the agent type reference - agent number. Example:
008-0391-1-00000001. b) The arrangement of agent numbers for BUKs that have UUS (Unit Usaha Syariah) pays attention to the following:
(1) For agents from BUK, the agent number starts with the number "1"; (2) For agents from UUS, the agent number starts with the number "2". Example:
022-0391-1-10000003 is the agent identification number for a conventional agent from BUK.
022-0391-1-20000008 is the agent identification number for an agent with Sharia principles from UUS.
Agent Name
a) For individual agents, filled with the name stated in the identity document (without abbreviations of academic titles, status, and religious titles). b) For legal entity agents, filled with the name of the legal entity stated in the business deed document. Example data filling:
Agent name is PT Jaya filled with "Jaya".
Gender
a) For individual agents, filled with 1 (one) digit according to the gender reference as follows:
Remarks Code
Male L
Female P b) For legal entity agents, left blank.
Agreement Number
Filled in accordance with the data in the cooperation agreement and the date of the cooperation agreement signed by the organizing bank and the agent.
Cooperation Agreement Date
Filled with the cooperation agreement date in "yyyymmdd" format.
Execution Date
Filled with the execution date in "yyyymmdd" format.
Agent Type
Filled with 1 (one) digit according to the agent type reference as follows:
No. Agent Type Code

Individual 1
Legal Entity 2

Agent Classification
Filled with 1 (one) letter digit according to the agent classification reference as regulated in the Financial Services Authority Regulation regarding financial services without branches in the context of financial inclusion, namely "A", "B", or "C", with filling as follows:
No. Agent Classification Code

POJK Number 1/POJK.03/2022 article 41 paragraph (2) letter a A
POJK Number 1/POJK.03/2022 article 41 paragraph (2) letter b, letter c B
POJK Number 1/POJK.03/2022 article 41 paragraph (2) letter d C

Agent Business Type
Filled with the economic sector code referring to the reference list of economic sector codes in accordance with the provisions of legislation regarding integrated commercial bank reports.
Agent Location
a) Postal Code
Filled in accordance with the relevant area or region. b) Latitude Filled in accordance with the relevant area or region. c) Longitude Filled in accordance with the relevant area or region. d) Regency/City Filled with the regency/city code where the agent is located in accordance with the regency/city reference in the provisions of legislation regarding integrated commercial bank reports.
Electronic Device Used
Filled with 1 (one) digit according to the electronic device reference as follows:
No. Electronic Device Code

EDC 1
Handphone-SMS 2
Handphone- Mobile Apps 3
PC 4
Other 5

Other Services
a) In addition to providing services and products from the organizing Laku Pandai bank, Laku Pandai agents can also provide other financial services. The columns in this section are filled with the availability of other financial services at the Laku Pandai agent. b) Other services consist of:
(1) digital financial services;
(2) micro insurance;
(3) investment;
(4) tax; and
(5) zakat. c) BUK fills each column of other services with "Y" if providing the service or "T" if not providing the service. Example:
Laku Pandai agent "ABC" has other services in the form of investment and tax, then the filling is done as follows:
Bank Code ...
Other Services
Digital Financial Services
Micro Insurance
Investment
Tax
Zakat
... .... T T Y Y T
Bank Office Code
a) What is meant by "bank office" is the office where the agent is affiliated. b) Filled with 9 (nine) digits which must be unique as the identity of that office at the BUK location of employees established by each BUK and/or Bank Indonesia.
Agent Status
Filled with 1 (one) digit according to the agent status reference as follows:
No. Agent Status Code

Active 1
Closed 2
Agents with "closed" status are agents who end cooperation with BUK in the reporting period.

Agent Development
a) Filled with 3 (three) digits according to the agent development reference as follows:
No. Agent Status Code
Active Agents

New Agent 101
No change 102
Change of Agent Classification 103
Change of Agent Business Type
Change of Agent Location 105
Change and/or addition of electronic device
Passive Agent (does not serve transactions for more than 90 days)
Other Changes 108
Closed Agents
Agent Termination due to Violation
Agent Termination due to expiration of cooperation agreement period and without cooperation extension
Resignation before the expiration of the cooperation agreement period
Other Agent Termination 204
b) If the "Agent Status" column in Form 010 is filled with code "1", then the "Agent Development" column can only be filled with codes "101" to "108". If the "Agent Status" column in Form 010 is filled with code "2", then the "Agent Development" column can only be filled with codes "201" to "204".

Remarks
This column is used to provide further details regarding agent development. If the "Agent Development" column is filled with code "108" or "204", this column must be filled.

Form 02A - Quantitative Data on Laku Pandai Implementation
a. Report Format
Quantitative Data on Laku Pandai Implementation Agent Identification Number Total BSA Openings Total BSA Cash Deposits Total BSA Cash Withdrawals Total BSA Bill Payments Number of Accounts Initial Deposit Nominal Transaction Frequency Nominal Transaction Frequency Nominal Transaction Frequency Nominal Total BSA Transfers Total BSA Interbank Transfers Total BSA Closures Total Micro Credit Applications by BSA Customers Total Non-BSA Cash Deposits Transaction Frequency Nominal Transaction Frequency Nominal Number of Accounts Nominal Number of Debtors Nominal Transaction Frequency Nominal Total Non-BSA Cash Withdrawals Total Non-BSA Bill Payments Total Non-BSA Transfers Total Non-BSA Interbank Transfers Transaction Frequency Nominal Transaction Frequency Nominal Transaction Frequency Nominal Transaction Frequency Nominal

b. Filling Guidelines

Agent Identification Number
Filling guidelines refer to the "Agent Identification Number" column in Form 010.
Total BSA Openings
Total BSA Openings is the total BSA opened in the reporting period. a) Number of Accounts Filled with the number of BSA accounts. b) Initial Deposit Nominal Filled with the total nominal initial deposit for opening BSA accounts in Rupiah in full units.
Total BSA Cash Deposits
Total BSA Cash Deposits is the total cash deposits in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to cash deposits. b) Nominal Filled with the total cash deposits into BSA accounts in Rupiah in full units.
Total BSA Cash Withdrawals
Total BSA Cash Withdrawals is the total cash withdrawals in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to cash withdrawals. b) Nominal Filled with the total cash withdrawals from BSA accounts in Rupiah in full units.
Total BSA Bill Payments
Total BSA Bill Payments is the total bill payments in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to bill payments. b) Nominal Filled with the total bill payments from BSA accounts in Rupiah in full units.
Total BSA Transfers
Total BSA Transfers is the total transfers in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to transfers. b) Nominal Filled with the total transfers from BSA accounts in Rupiah in full units.
Total BSA Interbank Transfers
Total BSA Interbank Transfers is the total interbank transfer transactions of BSA in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to interbank transfers. b) Nominal Filled with the total interbank transfers from BSA accounts in Rupiah in full units.
Total BSA Closures
Total BSA Closures is the total BSA closures in the reporting period. a) Number of Accounts Filled with the number of BSA accounts closed. b) Nominal Filled with the total final balance of closed BSA accounts in Rupiah in full units.
Total Micro Credit Applications by BSA Customers
Total Micro Credit Applications by BSA Customers is the total micro credit applications by BSA customers in the reporting period. a) Number of Debtors Filled with the number of debtors who applied for micro credit. b) Nominal Filled with the total nominal of micro credit applications in Rupiah in full units.
Total Non-BSA Cash Deposits
Total Non-BSA Cash Deposits is the total non-BSA cash deposits in the reporting period. a) Transaction Frequency Filled with the number of non-BSA transactions related to cash deposits. b) Nominal Filled with the total non-BSA cash deposits in Rupiah in full units.
Total Non-BSA Cash Withdrawals
Total Non-BSA Cash Withdrawals is the total cash withdrawals in the reporting period. a) Transaction Frequency Filled with the number of non-BSA transactions related to cash withdrawals. b) Nominal Filled with the total non-BSA cash withdrawals in Rupiah in full units.
Total Non-BSA Bill Payments
Total Non-BSA Bill Payments is the total bill payments in the reporting period. a) Transaction Frequency Filled with the number of non-BSA transactions related to bill payments. b) Nominal Filled with the total non-BSA bill payments in Rupiah in full units.
Total Non-BSA Transfers
Total Non-BSA Transfers is the total transfers in the reporting period. a) Transaction Frequency Filled with the number of non-BSA transactions related to transfers. b) Nominal Filled with the total transfers from non-BSA accounts in Rupiah in full units.
Total Non-BSA Interbank Transfers
Total Non-BSA Interbank Transfers is the total interbank transfers in the reporting period. a) Transaction Frequency Filled with the number of non-BSA transactions related to interbank transfers. b) Nominal Filled with the total interbank transfers from non-BSA accounts in Rupiah in full units.

Form 03A - Other Quantitative Data in Laku Pandai Implementation Without Agents
a. Report Format
Other Quantitative Data in Laku Pandai Implementation Without Agents Bank Office Code Regency/City Total BSA Savings Openings Total BSA Cash Deposits Total BSA Cash Withdrawals Number of Accounts Initial Deposit Nominal Transaction Frequency Nominal Transaction Frequency Nominal Total BSA Bill Payments Total BSA Transfers Total BSA Interbank Transfers Total BSA Closures Total Micro Credit Applications by BSA Customers Transaction Frequency Nominal Transaction Frequency Nominal Transaction Frequency Nominal Number of Accounts Nominal Number of Debtors Nominal

b. Filling Guidelines
This form is filled with BSA account transactions conducted on the Bank office network (without through Laku Pandai agents).

Bank Office Code
Filling guidelines refer to the "Bank Office Code" column in Form 010.
Regency/City
Filled with the regency/city code referring to the reference list of regency/city codes in accordance with the provisions of legislation regarding integrated commercial bank reports.
Total BSA Savings Openings
Total BSA Savings Openings is the total BSA savings opened in the reporting period. a) Number of Accounts Filled with the number of BSA accounts opened. b) Initial Deposit Nominal Filled with the total nominal initial deposit for opening BSA accounts in Rupiah in full units.
Total BSA Cash Deposits
Total BSA Cash Deposits is the total cash deposits in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to cash deposits. b) Nominal Filled with the total cash deposits into BSA accounts in Rupiah in full units.
Total BSA Cash Withdrawals
Total BSA Cash Withdrawals is the total cash withdrawals in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to cash withdrawals. b) Nominal Filled with the total cash withdrawals from BSA accounts in Rupiah in full units.
Total BSA Bill Payments
Total BSA Bill Payments is the total bill payments in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to bill payments. b) Nominal Filled with the total bill payments from BSA accounts in Rupiah in full units.
Total BSA Transfers
Total BSA Transfers is the total transfers in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to transfers. b) Nominal Filled with the total transfers from BSA accounts in Rupiah in full units.
Total BSA Interbank Transfers
Total BSA Interbank Transfers is the total interbank transfers of BSA in the reporting period. a) Transaction Frequency Filled with the number of BSA transactions related to interbank transfers. b) Nominal Filled with the total interbank transfers from BSA accounts in Rupiah in full units.
Total BSA Closures
Total BSA Closures is the total BSA closures in the reporting period. a) Number of Accounts Filled with the number of BSA accounts closed. b) Nominal Filled with the total final balance of closed BSA accounts in Rupiah in full units.
Total Micro Credit Applications by BSA Customers
Total Micro Credit Applications by BSA Customers is the total micro credit applications by BSA customers in the reporting period. a) Number of Debtors Filled with the number of debtors who applied for micro credit. b) Nominal Filled with the total nominal of micro credit applications in Rupiah in full units.

Form 04A - Service Rejection Data in Laku Pandai Implementation
a. Report Format
Service Rejection Data in Laku Pandai Implementation Agent Identification Number Type of Rejection Number of Transactions Number of Accounts Reason Remarks b. Filling Guidelines

Agent Identification Number
Filling guidelines refer to the "Agent Identification Number" column in Form 010.
Type of Rejection
Filled with 2 (two) digits according to the type of rejection reference as follows:
No. Type of Rejection Code

Total Rejection of BSA Openings 01
Total Rejection of BSA Cash Deposits 02
Total Rejection of BSA Cash Withdrawals 03
Total Rejection of BSA Customer Bill Payments 04
Total Rejection of BSA Transfers 05
Total Rejection of BSA Interbank Transfers 06
Total Rejection of BSA Closures 07
Total Rejection of Micro Credit 08
Total Rejection of Non-BSA Cash Deposits 09
Total Rejection of Non-BSA Cash Withdrawals 10
Total Rejection of Non-BSA Customer Bill Payments 11
Total Rejection of Non-BSA Transfers 12
Total Rejection of Non-BSA Interbank Transfers 13

Number of Transactions
a) Filled with the frequency of transaction rejections. b) If the "Type of Rejection" column in Form 04A is filled with code "02", "03", "04", "05", "06", "09", "10", "11", "12", or "13", then this column must be filled, otherwise left blank.
Number of Accounts
a) Filled with the number of rejected accounts. b) If the "Type of Rejection" column in Form 04A is filled with code "01", "07", or "08", then this column must be filled, otherwise left blank.
Reason
Filled with the reference according to the reason reference as follows:
No. Reason Code

Incomplete documents 1
Incorrect documents 2
Failed customer due diligence 3
Agent account balance insufficient 4
Customer account balance insufficient 5
Transaction will exceed debit account transaction limit
Dormant account and not reactivated 7
Transaction conducted by unauthorized party 8
Financial transaction potentially suspicious 9
Money suspected to be fake 10
Other (specify) 11

Remarks
a) Filled with a brief description including the reason for rejection. b) If the "Reason" column in Form 04A is filled with code "11", then this column must be filled.

Form 060 - Report on Violations Committed by Laku Pandai Agents and Follow-up on Resolution
a. Report Format
Report on Violations Committed by Laku Pandai Agents and Follow-up on Resolution Agent Identification Number Agent Violation Cause of Violation Indication of Loss Amount Follow-up Name of Bank Officer Responsible for Follow-up b. Filling Guidelines

Agent Identification Number
Filling guidelines refer to the "Agent Identification Number" column in Form 010.
Agent Violation
Filled with 2 (two) digits according to the agent violation type reference as follows:
No. Agent Violation Code

Charging additional fees to customers other than fees established by the Organizing Bank.
Offering financial services other than those agreed upon in the cooperation agreement with the Organizing Bank/Other Financial Service Institution/Competent Authority.
Fraud, dishonesty, and/or other misuse by the Agent. 03
Other problems (specify). 99

Cause of Violation
a) Filled with a brief description of the cause of the violation with a maximum filling limit of 300 characters. b) If the "Agent Violation" column in Form 060 is filled with code "99", then this column must be filled.
Indication of Loss Amount
Filled with the indication of the loss amount in Rupiah in full units.
Follow-up
Filled with a brief description of the follow-up actions taken to address the agent violation.
Name of Bank Officer Responsible for Follow-up
a) Filled with the name of the BUK officer responsible for the follow-up handling of agent violations. b) Filled with the name stated in the identity document (without abbreviations of academic titles, status, and religious titles).

Form 070 - Report on Laku Pandai Agent Problems and Follow-up on Resolution
a. Report Format
Report on Laku Pandai Agent Problems and Follow-up on Resolution Agent Identification Number Agent Problem Obstacle/Cause of Problem Indication of Loss Amount Follow-up Resolution Bank Officer Responsible for Resolution b. Filling Guidelines This form is filled with problems faced by agents in the implementation of Laku Pandai.

Agent Identification Number
Filling guidelines refer to the "Agent Identification Number" column in Form 010.
Agent Problem
Filled with 2 (two) digits according to the agent problem reference as follows:
No. Agent Problem Code

System Disturbance 01
Communication Network Disturbance 02
Customer Complaints 03
Other Obstacles 99

Obstacle/Cause of Problem
a) Filled with a brief description of other obstacles experienced by the agent. b) If the "Agent Problem" column in Form 070 is filled with code "99", then this column must be filled.
Indication of Loss Amount
Filled with the indication of the loss amount in Rupiah in full units.
Follow-up Resolution
Filled with a brief description of the follow-up actions taken to address the problems faced by the agent.
Bank Officer Responsible for Resolution
a) Filled with the name of the BUK officer responsible for handling the problems faced by the agent. b) Filled with the name stated in the identity document (without abbreviations of academic titles, status, and religious titles).

Form 080 - Report on Customer Problems and Follow-up on Resolution
a. Report Format
Report on Customer Problems and Follow-up on Resolution Agent Identification Number Customer Problem Obstacle/Cause of Problem Indication of Loss Amount Date of Customer Complaint Date of Customer Complaint Resolution Follow-up Resolution Bank Officer Responsible for Resolution

b. Filling Guidelines
This form is filled with problems experienced by customers regarding the implementation of Laku Pandai.

Agent Identification Number
Filling guidelines refer to the "Agent Identification Number" column in Form 010.
Customer Problems
Filled with 2 (two) digits according to the reference for customer problems as follows:
No. Customer Problem Code

System Disturbance 01
Communication Network Disturbance 02
Other Obstacles 99

Obstacles/Causes of Problems
a) Filled with a brief description of other obstacles experienced by customers. b) If the "Customer Problems" column in Form 090 is filled with code "99", this column must be filled.
Indication of Loss Amount
Filled with the indication of loss amount in Rupiah in full units.
Date of Customer Complaint
Filled with the date the customer submitted the complaint regarding the problem with the format "yyyymmdd".
Date of Customer Complaint Resolution
Filled with the date of resolution of the customer complaint with the format "yyyymmdd".
Follow-up on Resolution
Filled with a brief description of the follow-up actions taken to resolve the customer's problem.
Bank Official Responsible for Resolution
a) Filled with the name of the relevant BUK official responsible for handling the problem experienced by the customer. b) Filled with the name stated in the identity document (without abbreviations of academic titles, status, and religious titles).

Form 090 - Aggregate Report on Laku Pandai Development
a. Report Format
Aggregate Report on Laku Pandai Development
Bank Office Code
Regency/City
Outstanding Number of BSA Customers (Number of Accounts) Outstanding Amount of BSA Savings (in Rupiah) Male Female Total Male Female Total Outstanding Number of Individual Agents Outstanding Number of Legal Entity Agent Outlets Outstanding Number of BSA Customers Receiving Micro Credit/Financing Outstanding Micro Credit/Financing to BSA Customers Male Female Total Male Female Total Male Female Total

b. Filling Guidelines

Bank Office Code
Filling guidelines refer to the "Bank Office Code" column in Form 010.
Regency/City
Filled with the regency/city code where the agent is located according to the reference of regencies/cities in regulations regarding integrated general bank reports.
Outstanding Number of BSA Customers (Number of Accounts)
Filled with the outstanding number of BSA customers (number of accounts) grouped by gender (male, female, and total).
Outstanding Amount of BSA Savings (in Rupiah)
Filled with the outstanding nominal amount of BSA in Rupiah in full units and grouped by gender (male, female, and total).
Outstanding Number of Individual Agents
Filled with the outstanding number of individual agents grouped by gender (male, female, and total).
Outstanding Number of Legal Entity Agent Outlets
Filled with the outstanding number of legal entity agent outlets.
Outstanding Number of BSA Customers Receiving Micro Credit/Financing
Filled with the outstanding number of BSA customers receiving micro credit/financing grouped by gender (male, female, and total).
Outstanding Micro Credit/Financing to BSA Customers
Filled with the outstanding micro credit/financing to BSA customers in full Rupiah units and grouped by gender (male, female, and total).

B. INFORMATION TECHNOLOGY DEVELOPMENT PLAN
The format and filling guidelines for the information technology development plan refer to the Financial Services Authority Circular regarding the implementation of risk management in the use of information technology by general banks. The document is uploaded in portable document format (.pdf) which can be processed further.

C. REPORT ON THE CURRENT CONDITION OF INFORMATION TECHNOLOGY IMPLEMENTATION
The format and filling guidelines for the Report on the current condition of information technology implementation refer to the Financial Services Authority Circular regarding the implementation of risk management in the use of information technology by general banks. The document is uploaded in portable document format (.pdf) which can be processed further.

IV. CORE DATA INFORMATION GROUP
A. OFFICE NETWORK DATA REPORT
The Office Network Data Report is a report submitted by BUK monthly containing information regarding the details of the office network owned by BUK. The data reported is position data. Reporting is not only in the form of data changes during the reporting period, but covers all data previously reported.

Report Format
Office Network Data Report
Office Status
Office Code
Parent Branch
Office Code
Office Name
Address
Office Coordinates
Regency/City
Postal Code
Phone Number
Office Opening Permit Letter Number
Date of Office Opening Permit Letter
Date of Effective Office Operation
Latitude
Longitude
Office Status Change Permit Letter Number
Date of Office Status Change Permit Letter
Date of Effective Office Status Change
Office Closure Permit Letter Number
Date of Office Closure Permit Letter
Date of Effective Office Closure
Office Relocation Permit Letter Number
Date of Office Relocation Permit Letter
Date of Effective Office Relocation
Number of Employees/Electronic Banking Terminals Date of Mass Media Publication Status Data Description
Filling Guidelines
a. Office Status

Filled with 2 (two) digit characters according to the office status code.
Definition of BUK office status according to regulations regarding general banks and Sharia business units. In the event that the office status is "Electronic Banking Terminal" (code 17), only the office opening, relocation, and closure columns can be filled (cannot fill the status change column).
Data filling reference:
No. Office Status Code

Operational Headquarters 01
Non-Operational Headquarters 02
Branch Office of a bank domiciled abroad 03
Sharia Business Unit of a General Bank 04
Regional Office of a General Bank 05
Branch Office (Domestic) 06
Branch Office (Foreign) 07
Sub-Branch Office of a bank domiciled abroad 08
Sub-Branch Office (Domestic) 09
Sub-Branch Office (Foreign) 10
Cash Office 11
Functional Office 12
Payment Point 13
Mobile Cash/Car Cash/Floating Cash 14
Office under KCP of a bank domiciled abroad that is not included in 11, 12, 13, 14 15
Representative Office of a General Bank Abroad 16
Electronic Banking Terminal 17
Branch Office (Domestic) Sharia Business Unit 54
Branch Office (Foreign) Sharia Business Unit 55
Sub-Branch Office (Domestic) Sharia Business Unit 56
Sub-Branch Office (Foreign) Sharia Business Unit 57
Cash Office Sharia Business Unit 58
Functional Office Sharia Business Unit 59
Payment Point Sharia Business Unit 60
Mobile Cash/Car Cash/Floating Cash Sharia Business Unit 61
Electronic Banking Terminal Sharia Business Unit 63
Sharia Service 64

b. Parent Branch Office Code
Filled with 3 (three) digit numbers according to the parent office code. The parent KC code is as established by Bank Indonesia.

For Foreign Branch Banks (KCBLN) - if the office status is under KCP of a bank domiciled abroad, the parent KC code used is the KCBLN code or the reporting KCP code.
If the "Office Status" column is filled with "Operational Headquarters" (code 01), "Branch Office of a bank domiciled abroad" (code 03), "Branch Office (Domestic)" (code 06); "Branch Office (Foreign) Bank" (code 07), or "Sub-Branch Office of a bank domiciled abroad" (code 08), the "Parent KC" column must be filled with the office's own code.

c. Office Code

Filled with 9 (nine) digit numbers that must be unique as the identity of the office at the reporting BUK, established by each BUK and/or Bank Indonesia, with the following provisions:
a) BUK office code is xxxyyyyyy; b) for office codes established by BUK, xxx is filled with 3 (three) digits of the parent office code established by Bank Indonesia and yyyyyy is filled according to the policy of each BUK; and c) for BUK office codes established by Bank Indonesia, xxx is filled with 3 (three) digits established by Bank Indonesia and yyyyyy is filled with "000000", so the filling becomes "xxx000000". Example:
Bank "A" receives the Bandung branch office code from Bank Indonesia, which is 999. The code is converted into 9 (nine) digits, i.e., 999000000. Bank "A" then establishes the KCP code in the Cimahi area which is in Bandung city with the code 999005000.
The office code is used consistently by the relevant office starting from inclusion in the bank's business plan, implementation of business activities, status changes, address changes, until office closure. An office code that has been used cannot be used again for another office even if that office has been closed.
Specifically for electronic banking terminals, if there is more than 1 (one) electronic banking terminal unit owned by BUK at a location, data is reported each with 1 (one) office code.
The method of filling the office code is as follows:
an opened office code cannot be opened again; a) a relocated office code cannot be opened again; b) a closed office code cannot be closed again; or c) a closed or deleted office code cannot be used again as an opened, relocated, status-changed, or closed office.

d. Office Name
Filled with the office name according to the "Office Code" column.

e. Address
Filled with the office address showing the current location in the Report month.

f. Office Coordinates

Latitude
Latitude is the latitude line coordinate point showing the office location in decimal degree format. This column is filled with numeric characters, a period (.), a comma (,), and/or a hyphen (-). Example:
Latitude of BUK "A" Bekasi branch office is located at 6°10'55.4"S, BUK reports as -6.182057.
Longitude
Longitude is the longitude line coordinate point showing the office location in decimal degree format. This column is filled with numeric characters, a period (.), a comma (,), and a hyphen (-). Example:
Longitude of BUK "A" Bekasi branch office is located at 106°49'18.1"T, BUK reports as 106.821697.

g. Regency/City
Filled with 4 (four) digit numbers for the regency or city code referring to the reference list of regency or city codes according to regulations regarding integrated general bank reports.

h. Postal Code
Filled with the postal code of the office address.

i. Phone Number

Filled with a maximum of 15 (fifteen) digit numbers including the area code.
Phone numbers are filled completely with the area code. For foreign numbers, the country code is included.
If the "Office Status" column is filled with "Mobile Cash/Car Cash/Floating Cash" (code 14), "Electronic Banking Terminal" (code 17), Mobile Cash/Car Cash/Floating Cash Sharia Business Unit (code 61), or Electronic Banking Terminal Sharia Business Unit (code 63), this column is left blank.

j. Office Opening Permit Letter Number
Filled with the permit letter number or confirmation letter for office opening from the Financial Services Authority.

k. Date of Office Opening Permit Letter

Filled with the date of the permit letter or confirmation letter for office opening from the Financial Services Authority with 8 (eight) digit numbers in the format yyyymmdd.
The date of the office opening permit letter must be earlier than or equal to the date of effective office operation, and earlier than the date of the permit letter and effective date of relocation, status change, and/or office closure.

l. Date of Effective Office Operation

Filled with the date of office operational implementation with 8 (eight) digit numbers in the format yyyymmdd.
The date of effective office operation must be earlier than the date of the permit letter and effective date of relocation, status change, and/or office closure.

m. Office Status Change Permit Letter Number
Filled with the permit letter number or confirmation letter for status change from the Financial Services Authority. If the "Office Status" column is filled with "Electronic Banking Terminal" (code 17) or Electronic Banking Terminal Sharia Business Unit (code 63), this column is left blank.

n. Date of Office Status Change Permit Letter
Filled with the date of the permit letter or confirmation letter for status change from the Financial Services Authority with 8 (eight) digits in the format yyyymmdd. If the "Office Status" column is filled with "Electronic Banking Terminal" (code 17) or Electronic Banking Terminal Sharia Business Unit (code 63), this column is left blank.

o. Date of Effective Office Status Change
Filled with the date of realization of the office status change with 8 (eight) digit numbers in the format yyyymmdd. If the "Office Status" column is filled with "Electronic Banking Terminal" (code 17) or Electronic Banking Terminal Sharia Business Unit (code 63), this column is left blank.

p. Office Closure Permit Letter Number
Filled with the permit letter number or confirmation letter for office closure from the Financial Services Authority.

q. Date of Office Closure Permit Letter

Filled with the date of the permit letter or confirmation letter for closure from the Financial Services Authority with 8 (eight) digit numbers in the format yyyymmdd.
The date of the closure permit letter must be earlier than or equal to the effective closure date, and later than the date of the permit letter and effective date of opening, relocation, and/or status change of the office.

r. Date of Effective Office Closure

Filled with the date of office closure implementation with 8 (eight) digit numbers in the format yyyymmdd.
The effective closure date must be later than the date of the permit letter and effective date of opening, relocation, and/or status change of the office.

s. Office Relocation/Address Change Permit Letter Number Filled with the permit letter number or confirmation letter for office address change from the Financial Services Authority.

t. Date of Office Relocation Permit Letter
Filled with the date of the permit letter or confirmation letter for office address change from the Financial Services Authority with 8 (eight) digit numbers in the format yyyymmdd.

u. Date of Effective Office Relocation
Filled with the date of realization of the office relocation/address change with 8 (eight) digit numbers in the format yyyymmdd.

v. Number of Employees/Electronic Banking Terminals

Filled with a number stating the number of employees or the number of electronic banking terminals for each office, excluding employees or electronic banking terminals that have been reported by offices with a status below that office.
The number of employees includes permanent employees, non-permanent employees employed directly by BUK, and non-permanent employees employed through outsourcing companies.
If the "Office Status" column is filled with "Electronic Banking Terminal" (code 17) or "Electronic Banking Terminal Sharia Business Unit" (code 63), this column is filled with the number "1".

w. Date of Mass Media Publication
Filled with the date of inclusion regarding office opening, address change, or office closure in mass media with 8 (eight) digit numbers in the format yyyymmdd.

x. Description

Filled with information related to the office network data. For example, if there is an office status change requiring a new office code and additional address information.
In the event that the "Office Status" column is filled with "Electronic Banking Terminal" (code 17) or "Electronic Banking Terminal Sharia Business Unit" (code 63), this column is filled with 2 (two) digit characters according to the electronic banking terminal status code.
Data filling reference:
Electronic Banking Terminal Status Code
Automated Teller Machine (ATM) 01
Cash Deposit Machine (CDM) 02
Cash Recycling Machine (CRM) 03
Self Service Banking Terminal (SSBT) 04

y. Data Status

Filled with 3 (three) digit characters according to the data status code.
Data filling reference:
Data Status Description Code
New
Used for offices that have never been reported. This reference includes among others status changes of offices from KCP to KC or vice versa. For new offices, the data status is filled with "New". Stable Used for offices that have not experienced changes from the previous Report position. This reference includes among others changes in filling the "Parent Branch Office Code" (parentage), "Office Name", "Address" caused by street name changes, "Regency/City", "Postal Code", "Phone Number", and/or "Number of Employees/Electronic Banking Terminals". Changed Used for offices that have experienced data changes from the previous Report position. This reference includes among others office relocation and office status changes. Deletion Used for offices that have been reported previously, then closed or ceased to be an old office. This reference includes among others status changes of offices from KCP to KC or vice versa. For old offices, the data status is filled with "Deletion".
Example of filling office status changes.
Example 1:
At BUK "A" there is an increase in office status from KCP to KC effective on March 25, 2027. Thus, the filling of the Office Network Data Report for the March 2027 data position is reported as follows:
Office Status
Parent KC Code
Office Code …
Office Opening Permit Letter Number
Date of Office Opening Permit Letter
Date of Effective Office Operation
Office Status Change Permit Letter Number
Date of Office Status Change Permit Letter
Date of Effective Office Status Change
09 081 081123456 Aaa/Srt/2021 20270325 20270325 06 071 071000000 Aaa/Srt/2027 20270325 20270325 Aaa/Srt/2021 20270325 20270325 Office Closure Permit Letter Number Date of Office Closure Permit Letter Date of Effective Office Closure … Description Data Status Aaa/Srt/ 2027 20270325 20270325 status change from KCP to KC status change from KCP to KC

Example 2:
At BUK "B" there is a decrease in office status from KC to KCP effective on April 20, 2027. Thus, the filling of the Office Network Data Report for the April 2027 data position is reported as follows:
Office Status
Parent KC Code
Office Code …
Office Opening Permit Letter Number
Date of Office Opening Permit Letter
Date of Effective Office Operation
Office Status Change Permit Letter Number
Date of Office Status Change Permit Letter
Date of Effective Office Status Change
06 062 062000000 Bbb/Srt/20270328 20270328
09 092 092123456 Bbb/Srt/20270328 20270328 Bbb/Srt/20270328 20270328 Office Closure Permit Letter Number Date of Office Closure Permit Letter Date of Effective Office Closure … Description Data Status Bbb/Srt/ 2027 20270328 20270328 status change from KC to KCP status change from KC to KCP

Example 3:
At BUK "C" there is a decrease in office status from KCP to cash office effective on May 13, 2027.
Thus, the filling of the Office Network Data Report for the May 2027 data position is reported as follows:
Office Status
Parent KC Code
Office Code …
Office Status Change Permit Letter Number
Date of Office Status Change Permit Letter
Date of Effective Office Status Change … Description Data Status 11 075 075123456 Ccc/Srt/20270513 20270513 status change from KCP to cash office

Example 4:
At BUK "D" there is an increase in office status from cash office to KCP effective on June 8, 2027.
Thus, the filling of the Office Network Data Report for the June 2027 data position is reported as follows:
Office Status
Parent KC Code
Office Code …
Office Status Change Permit Letter Number
Date of Office Status Change Permit Letter
Date of Effective Office Status Change … Description Data Status 09 099 099123456 Ddd/Srt/20270608 20270608 Status change from cash office to KCP

B. REPORT ON THE DETAILED LIST OF RELATED PARTIES WITH THE BANK The report on the detailed list of related parties with the Bank at least includes information:

detailed list of related parties with the Bank according to the Financial Services Authority Regulation regarding maximum limits for credit provision and large fund provision for general banks;
Sharia supervisory board established as the main party and related parties as members of the board of directors and/or members of the board of commissioners according to the Financial Services Authority Regulation regarding the implementation of Sharia governance for Sharia general banks and Sharia business units; and
changes in the board of directors and/or board of commissioners of the controlling shareholder of the Bank in the form of a legal entity according to the Financial Services Authority Regulation regarding general banks.
The report on the detailed list of related parties consists of 2 (two) information items:
The detailed list of related parties is submitted in the form of a document uploaded in Excel spreadsheet (.xls) format which can be processed further. The detailed list consists of 12 (twelve) forms containing information as follows:
a. Form 1 - Individuals or Companies that are Controllers of the Bank b. Form 2 - Legal Entities in the Event the Bank Acts as Controller
c. Form 3 - Companies in the Event Individuals or Companies Act as Controllers
d. Form 4 - Parties Having Horizontal or Vertical Family Relationships e. Form 5 - Members of the Board of Directors and/or Members of the Board of Commissioners at Companies f. Form 6 - Companies with Members of the Board of Directors and/or Members of the Board of Commissioners who are Members of the Board of Commissioners at the Bank g. Form 7 - Companies where 50% or More of the Members of the Board of Directors and/or Members of the Board of Commissioners are Directors, and/or Commissioners at the Company. h. Form 8 - Companies with Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners who are Members of the Board of Commissioners Acting as Controllers
i. Form 9 - Collective Investment Contracts (KIC) where the Bank and/or Parties Own 10% or More of Shares in the Investment Manager
j. Form 10 - Companies Having Financial Relationships with the Bank and/or Parties k. Form 11 – Borrowers Having Financial Relationships through Guarantees
l. Form 12 - Other Banks Having Financial Relationships through Provision of Guarantees
Supporting Documents
Supporting documents are uploaded in the form of portable document format (.pdf) documents including among others:
a. corporate group structure diagram (corporate tree) according to the Financial Services Authority Regulation regarding maximum limits for credit provision and large fund provision for general banks; and b. changes in the board of directors and/or board of commissioners of the controlling shareholder of the Bank in the form of a legal entity according to the Financial Services Authority Regulation regarding general banks.
Form 1 - Individuals or Companies Acting as Bank Controllers
a. Report Format
Individuals or Companies Acting as Bank Controllers Name Type of Ownership Identity Number Ownership Percentage Economic Sector

b. Filling Guidelines

Name
a) For controllers who are individuals, fill in the name as stated in the identity document (without academic title abbreviations, status, and religious titles). b) For controllers who are legal entities, fill in the name of the legal entity as stated in the business deed document. Example of data entry:
For a shareholder named PT Makmur, fill in "Makmur".
Type of Ownership
Fill in characters totaling 3 (three) digits according to the following code reference:
No. Type of Ownership Code

Individual 101
Legal Entity 102
Public Body 103

Identity Number
Fill in the identity number as stated in the identity document, including the Population Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and Taxpayer Identification Number (NPWP)/tax registry/document that can be equated with it for legal entities or public bodies.
Ownership Percentage
Fill in the percentage (%) of ownership up to two decimal places.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.

Form 2 - Legal Entities When the Bank Acts as a Controller
a. Report Format
Legal Entities When the Bank Acts as a Controller Company Name Type Economic Sector Identity Number Bank Ownership Percentage Other Shareholder Name 1 Other Ownership Percentage 1 Other Shareholder Name 2 Other Ownership Percentage 2 Other Shareholder Name 3 Other Ownership Percentage 3 Other Shareholder Name 4 Other Ownership Percentage 4 Other Shareholder Name 5 Other Ownership Percentage 5

b. Filling Guidelines

Company Name
Fill in the company name as stated in the business deed document.
Example of data entry:
For a shareholder named PT Makmur, fill in "Makmur".
Type
Fill in characters totaling 1 (one) digit according to the following code reference:
No. Type Code

Subsidiary Company 1
Associated Company 2

Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.
Identity Number
Fill in the identity number as stated in the NPWP/tax registry/document that can be equated with it.
Bank Ownership Percentage
Fill in the percentage (%) of ownership up to 2 (two) decimal places.
Other Shareholder Names
Fill in the names of other shareholders. The bank can fill in up to 5 (five) other shareholder names.
Other Ownership Percentages
Fill in the percentage (%) of ownership from other shareholders up to 2 (two) decimal places.

Form 3 - Companies When Individuals or Companies Act as Controllers
a. Report Format
Companies When Individuals or Companies Act as Controllers Identity Number of Individual or Company Name of Company Identity Number of Company Economic Sector Bank Ownership Percentage Other Shareholder Name 1 Other Ownership Percentage 1 Other Shareholder Name 2 Other Ownership Percentage 2 Other Shareholder Name 3 Other Ownership Percentage 3 Other Shareholder Name 4 Other Ownership Percentage 4 Other Shareholder Name 5 Other Ownership Percentage 5

b. Filling Guidelines

Identity Number of Individual or Company
a) Fill in the identity number of the individual or company that is the bank controller reported in Form 1. b) Fill in according to what is stated in the identity document, including the Population Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and NPWP/tax registry/document that can be equated with it for legal entities or public bodies.
Company Name
Fill in the company name as stated in the business deed document.
Example of data entry:
For a shareholder named PT Makmur, fill in "Makmur".
Company Identity Number
Fill in with NPWP/tax registry/document that can be equated with it.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.
Bank Ownership Percentage
Fill in the percentage (%) of ownership up to 2 (two) decimal places.
Other Shareholder Names
Fill in the names of other shareholders. The bank can fill in up to 5 (five) other shareholder names.
Other Ownership Percentages
Fill in the percentage (%) of ownership from other shareholders up to 2 (two) decimal places.

Form 4 - Parties with Horizontal or Vertical Family Relationships
a. Report Format
Parties with Horizontal or Vertical Family Relationships Identity Number of Individual Name Family Relationship Family Identity Number Company Name - 1 Company Name - 2 Company Name - 3

b. Filling Guidelines

Identity Number of Individual
a) Fill in the identity number of the individual who is the bank controller reported in Form 1. b) Fill in according to what is stated in the identity document, including the Population Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and NPWP/tax registry/document that can be equated with it for legal entities or public bodies.
Name
a) Fill in the name of the party having a horizontal or vertical family relationship. b) Fill in the name as stated in the identity document (without academic title abbreviations, status, and religious titles).
Family Relationship
Fill in characters totaling 2 (two) digits according to the following code reference:
No. Type Code

Biological Parent 01
Step Parent 02
Adoptive Parent 03
Sibling 04
Step Sibling 05
Adoptive Sibling 06
Husband/Wife 07
Biological Child 08
Step Child 09
Adoptive Child 10
Biological Grandfather or Grandmother 11
Step Grandfather or Grandmother 12
Adoptive Grandfather or Grandmother 13
Biological Grandchild 14
Step Grandchild 15
Adoptive Grandchild 16
Sibling of Parent 17
Step Sibling of Parent 18
Adoptive Sibling of Parent 19
Parent-in-law 20
Husband/Wife of Biological Child 21
Husband/Wife of Step Child 22
Husband/Wife of Adoptive Child 23
Grandfather of Husband or Wife 24
Grandmother of Husband or Wife 25
Husband/Wife of Biological Grandchild 26
Husband/Wife of Step Grandchild 27
Husband/Wife of Adoptive Grandchild 28
Sibling of Husband/Wife 29
Step Sibling of Husband/Wife 30
Adoptive Sibling of Husband/Wife 31
Sibling Partner of Husband/Wife 32
Step Sibling Partner of Husband/Wife 33
Adoptive Sibling Partner of Husband/Wife 34

Family Identity Number
Fill in according to what is stated in the identity document, including the Population Identity Number (NIK) for Indonesian citizen individuals (WNI) and passport number for foreign citizen individuals (WNA).
Company Name
a) Fill in the name of the company controlled by the party having a horizontal or vertical family relationship. b) The company name is as stated in the business deed document. Example of data entry:
For a company named PT Makmur, fill in "Makmur". c) The bank can fill in up to 3 (three) company names.

Form 5 - Board of Directors and/or Board of Commissioners Members in Companies
a. Report Format
Board of Directors and/or Board of Commissioners Members in Companies Company Identity Number Name of Manager or DPS Position Identity Number

b. Filling Guidelines

Company Identity Number
a) Fill in the identity number of the company that is the bank controller reported in Form 1, the legal entity reported in Form 2, or the company reported in Form 3. b) Fill in according to what is stated in the identity document, including the Population Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and NPWP/tax registry/document that can be equated with it for legal entities or public bodies.
Name of Manager or DPS
a) Fill in the name of the manager or DPS member of the company or legal entity. b) For 1 (one) manager name, fill in on one input line.
Position
Fill in the position of the manager or DPS in the company.
Identity Number
Fill in according to what is stated in the identity document, including the Population Identity Number (NIK) of the manager or DPS.

Form 6 - Companies with Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members Who Are Board of Commissioners Members in the Bank
a. Report Format
Companies with Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members Who Are Board of Commissioners Members in the Bank Commissioner Identity Number Company Name Company Identity Number Economic Sector

b. Filling Guidelines

Commissioner Identity Number
Fill in according to what is stated in the identity document, Population Identity Number (NIK).
Company Name
Fill in the company name as stated in the business deed document.
Example of data entry:
For a shareholder named PT Makmur, fill in "Makmur".
Company Identity Number
Fill in with NPWP/tax registry/document that can be equated with it.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.

Form 7 - Companies Where 50% or More of Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members in the Company
a. Report Format
Companies Where 50% or More of Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members in the Company Company Identity Number Company Name Identity Number Economic Sector

b. Filling Guidelines

Company Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Company Name
Fill in the company name as stated in the business deed document.
Identity Number
a) Fill in the identity number of the company that is the bank controller reported in Form 1, the legal entity reported in Form 2, or the company reported in Form 3. b) Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.

Form 8 - Companies with Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members Acting as Controllers
a. Report Format
Companies with Board of Directors, Sharia Supervisory Board Members and/or Board of Commissioners Members Acting as Controllers Identity Number of Manager or DPS Company Name Identity Number Economic Sector

b. Filling Guidelines

Identity Number of Manager and Bank Executive Officials
Fill in according to what is stated in the identity document, Population Identity Number (NIK).
Company Name
Fill in the company name as stated in the business deed document.
Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.

Form 9 - Collective Investment Contracts (CIC) Where the Bank and/or Parties Own 10% or More of Shares in the Manager of Such Collective Investment Contracts
a. Report Format
Collective Investment Contracts Where the Bank and/or Parties Own 10% or More of Shares in the Manager of Such Collective Investment Contracts CIC Company Name CIC Number (Capital Market License) Identity Number

b. Filling Guidelines

CIC Company Name
Fill in the name of the CIC owner company.
CIC Number
Fill in with the CIC license number.
Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it, from the CIC owner company.

Form 10 - Companies Having Financial Relationships with the Bank and/or Parties
a. Report Format
Companies Having Financial Relationships with the Bank and/or Parties Identity Number Company Name Economic Sector Notes

b. Filling Guidelines

Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Company Name
Fill in the company name as stated in the business deed document.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.
Notes
Fill in additional notes if any.

Form 11 - Borrowers Having Financial Relationships through Guarantees
a. Report Format
Borrowers Having Financial Relationships through Guarantees Identity Number Company Name Economic Sector Status

b. Filling Guidelines

Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Company Name
Fill in the company name as stated in the business deed document.
Economic Sector
Fill in the economic sector code referring to the list of economic sector reference codes according to the provisions of legislation regarding integrated general bank reports.
Status
Fill in characters totaling 1 (one) digit according to the following code reference:
No. Status Code

Guarantee Recipient 1
Guarantee Provider 2
Form 12 - Other Banks Having Financial Relationships through Providing Guarantees
a. Report Format
Other Banks Having Financial Relationships through Providing Guarantees Identity Number Bank Name Bank Code Amount of Counter Guarantees Provided by Bank

b. Filling Guidelines

Identity Number
Fill in according to what is stated in the identity document, NPWP/tax registry/document that can be equated with it.
Bank Name
Fill in the name of the other bank having a financial relationship through providing guarantees.
Bank Code
Fill in the code of the other bank having a financial relationship through providing guarantees.
Amount of Counter Guarantees Provided by Bank
Fill in the amount of counter guarantees provided by the bank.

C. INDONESIAN BANKING HUMAN RESOURCE DATA REPORTS

The Indonesian Banking Human Resource Data Report consists of several tables, namely:
a. Table 1: Basic HR Data; b. Table 2: Career History Data;
c. Table 3: Work History Data;
d. Table 4: Formal Education History Data; e. Table 5: Training/Certification History Data; f. Table 6: Bank HR Management Performance; g. Table 7: Employee Needs Prediction; h. Table 8: Bank HR Remuneration Data; and
i. Table 9: Shareholder Data.
The scope of data reported in the Indonesian Banking Human Resource Data Report for each table is as follows:
Table Reported | Scope of HR Reported
--- | ---
Table 1 | 1. Board of Directors;
Board of Commissioners;
DPS (for BUKs having UUS);
PE; and
Officials 2 (two) levels below the Board of Directors, excluding PE, up to staff-level employees.
Table 2, Table 3, and Table 4 | 1. Board of Directors;
Board of Commissioners;
DPS (for BUKs having UUS);
PE; and
Officials 2 (two) levels below the Board of Directors, excluding PE.
Table 5 | 1. Board of Directors;
Board of Commissioners;
DPS (for BUKs having UUS);
PE; and
Officials 2 (two) levels below the Board of Directors, excluding PE, up to staff-level employees.
Table 6, Table 7, and Table 8 | Board of Directors, Board of Commissioners, DPS (for BUKs having UUS), PE, officials 2 (two) levels below the Board of Directors up to staff-level employees.
Table 9 | Individual data of BUK shareholders, whether legal entities, individuals, and/or business groups.
Data reported each reporting period is position data. Reporting is not only in the form of data changes during the reporting period, but covers all data that has been reported previously.
Table 1: Basic HR Data
a. Report Format
BASIC HR DATA
Data Status
Country
Province
Regency/City
Bank Office
Employee Identification Number
Identity Number
NPWP
Employee Name
Place of Birth
Date of Birth
Gender
Citizenship
Phone Number
Address According to Identity
Current Home Address/Domicile
Education Level
Study Program
Employment Status
Employment Status
Position
Position Notes
Field of Duty
Field of Duty Notes
Date of Starting Work at the Bank
Internal Bank Violations

b. Filling Guidelines
The basic HR data report is filled with information regarding the data of active and departed BUK employees during the Reporting Period. The reported BUK HR individual data covers permanent and non-permanent employees. Example:
Non-permanent employees are employees directly contracted by BUK for a certain period. These employees do not include outsourcing employees managed by third parties or labor service provider companies. Example of information to be included for employees who departed during the Reporting Period is as follows:
On November 28, 2026, employees named Rizal (PE), Ayu (staff), and Ani (staff) departed from PT Bank "ABC", then information for Budi (PE), Wati (staff), and Ani (staff) is reported in Table 1 as of the December 2027 data position.

Data Status
a) Fill in characters totaling 3 (three) digits according to the data status code. b) Data filling reference:
Data Status | Description | Code
--- | --- | ---
New | Used for employee data that has never been reported before. | 010 Changed | Used for employees who have been reported previously but experienced an NIP change. | 049 Same | Used for employee data that has not experienced changes from the previous Reporting position. | 040 Changed | Used for employee data that has experienced data changes from the previous Reporting position. | 045 Deletion | Used for employee data to be deleted from the previous Reporting position, with reasons:
a. career retirement 041 b. early retirement 042
c. dismissed 043
d. resigned voluntarily e. contract/task period ended f. deceased 046 g. promoted 047 h. demoted 048
i. NIP change 049

c) Notes
For BUKs reporting for the first time, all employee data is reported with status "New" (code 010). For subsequent reports, fill in the data status adjusted to the condition of the reported employee data.

Country
Fill in characters totaling 2 (two) digits of the office location code (country) where the employee is placed according to the country reference code. The country reference code refers to the list of country reference codes according to the provisions of legislation regarding integrated general bank reports.
Province
Fill in numbers totaling 2 (two) digits of the province code of the BUK office where the reported employee is placed according to the province reference code list according to the provisions of legislation regarding integrated general bank reports. Example of filling province reference codes:
No. Province Filling

West Java 01
Banten 02
DKI Jakarta 03
Outside Indonesia 99

Regency/City
Fill in numbers totaling 4 (four) digits of the regency/city code of the employee's address where they are placed according to the regency/city reference code. The regency/city reference code refers to the list of regency/city reference codes according to the provisions of legislation regarding integrated general bank reports.
Bank Office
a) Fill in numbers totaling 9 (nine) digits that must be unique as the identity of that office in the BUK location of the employee, established by each BUK and/or Bank Indonesia, with the following provisions:
(1) BUK office code is xxxyyyyyy;
(2) for office codes established by BUK, xxx is filled with 3 (three) digits of the head office code established by Bank Indonesia and yyyyyy is filled according to the policy of each BUK; and (3) for BUK office codes established by Bank Indonesia, xxx is filled with 3 (three) digits established by Bank Indonesia and yyyyyy is filled with "000000", so the filling becomes "xxx000000". Example:
Bank "A" receives the Bandung branch office code from Bank Indonesia, which is 999. This code is converted into 9 (nine) digits, i.e., 999000000. Bank "A" then establishes the KCP code in the Cimahi area, which is in Bandung city, with the code 999005000. b) The office code is used consistently by the relevant office starting from inclusion in the bank's business plan, implementation of business activities, status changes, address relocation, until office closure. Office codes that have been used cannot be used again for other offices even if the office has been closed.
Employee Identification Number (NIP)
a) Employee Identification Number (NIP) is a unique identity number for each employee according to the identity system used by BUK, consisting of numbers or letters or a combination of numbers and letters, up to a maximum of 25 (twenty-five) digits. b) In the case of the Board of Directors, Board of Commissioners, and DPS (for BUKs having UUS), if BUK does not have an NIP, BUK must create a special NIP for the Board of Directors, Board of Commissioners, and DPS (for BUKs having UUS). c) Example of data entry:
No. Employee Identification Number Filling

H8569365 H8569365
P2586244 P2586244
1235997865652385 1235997865652385

Identity Number
a) Identity documents for employees are as follows:
No. Type of Employee Identity Document Identity Number

Indonesian Citizen (WNI) KTP Population Identity Number (NIK)
Foreign Citizen (WNA) Passport Passport Number
b) If the employee's identity number contains characters other than letters and numbers, those characters do not need to be included. c) Example of data entry:
No. Identity Number Filling
Employee is WNI and has KTP with NIK "1234567891234567" 1234567891234567
Employee is WNA and has Passport with number "A123456789" A123456789

No. Identity Number Entry
3. Employee is a foreign national
and has a passport with number “A-1234.56”
A123456
8) Taxpayer Identification Number (NPWP)
a) NPWP is the Taxpayer Identification Number obtained by individuals or businesses as proof that the holder is registered as a taxpayer at the local Tax Service Office. b) If the NPWP contains characters other than letters and numbers, those characters do not need to be included. Example of data entry:
No. NPWP Entry

49.810.734.1-035.000 498107341035000
08.435.185.4-125.000 084351854125000
c) The NPWP number is unique and must not be reported more than once (1) for the same NPWP in one (1) Report. In the event that BUK employees use the same NPWP, for example because employees are husband and wife or an employee who previously resigned and was re-hired, this column may be filled by adding a letter character at the end of the NPWP. Example of data entry:
(1) Employee is husband and wife:
NPWP 34.787.562.4-239.000
Husband's NPWP Entry 347875624239000
Wife's NPWP Entry 347875624239000A
(2) Employee previously resigned and was re-hired:
NPWP 51.087.231.1-341.000
NPWP Entry for Employee who previously resigned 510872311341000 NPWP Entry for Employee who was re-hired 510872311341000B

Employee Name
Filled with the name without titles as stated in the identity document.
Example of data entry:
No. Debtor Name Entry

The debtor's name on the identity document is written as
“Putra Ganda
Wijaya, SE., MM.”
(“SE” and “MM” are academic titles).
Putra Ganda
Wijaya
The debtor's name on the identity document is written as
“H. Mukmin” (“H” is a religious title).
Mukmin

No. Debtor Name Entry
3. The employee's name on the identity document is written as
“R. Agung Wiyono”
(“R” is not a nobility title).
R. Agung Wiyono
4. The employee's name on the identity document is written as
“Arif M.N. Anshori”
(“M” and “N” are not titles).
Arif M.N. Anshori
10) Place of Birth
Filled with the employee's place of birth as stated in the employee's identity document.
11) Date of Birth
a) Filled with 8 (eight) digits in yyyymmdd format. b) Filled with the employee's date of birth as stated in the employee's identity document. c) Example of data entry:
No. Date of Birth Entry

7 June 1982 19820607
18 December 1971 19711218
25/04/1988 19880425

Gender
Filled with character “L” for male employees, and “P” for female employees, in accordance with the employee's identity document. Data reference:
No. Gender Entry

Male L
Female P

Nationality
Filled with 2 (two) digit nationality characters as stated in the employee's identity document in accordance with the country reference code. The country reference code refers to the list of country reference codes in accordance with regulations on integrated commercial bank reports.
Telephone Number
a) Filled with a reachable telephone number including area code or country code, without hyphens (-) and using semicolons (;) as separators in case more than one telephone number is input. b) Reported telephone numbers may be office, home, and/or mobile numbers. c) Telephone numbers must be filled in completely with area codes. d) For foreign numbers, include the country code.

e) Example of data entry:
No. Telephone Number Entry

(021)12345678 02112345678
(62-751) 4257712 07514257712
7256969 (Bogor) 02517256969
+62-81511380000 081511380000
+65-5682466
(Singapore)
655682466

Address as per Identity
a) For Indonesian citizens (WNI), filled with the address as stated in the ID card (KTP). b) For foreign nationals (WNA), filled with the domicile address in Indonesia as stated in the residence permit document, such as the Work Permit for Foreign Workers (IMTA) or Limited Stay Permit Card (KITAS).
Current Home Address/Domicile
a) For Indonesian citizens (WNI), filled with the current domicile address. b) For foreign nationals (WNA), filled with the domicile address in Indonesia as stated in the residence permit document, such as IMTA or KITAS. c) For employees stationed outside Indonesia, this column is filled with the employee's domicile address in the respective country as stated in the residence permit document.
Education Level
Filled with 3 (three) digit characters in accordance with the highest education level code.
Data reference:
No. Highest Education Code

Up to High School or equivalent 001
D1 - D2 002
D3 - D4 003
S1 004
S2 005
S3 006

Study Program
Filled with 3 (three) digit characters in accordance with the highest education study program code.
Data reference:
No. Study Program Code

Banking 001
Economics*) 002
Business and Management 003
Law 004
Engineering 005
Computer Science 006

No. Study Program Code
7. Natural Sciences (MIPA) 007
8. Maritime 008
9. Agriculture and Forestry 009
10. Animal Husbandry 010
11. Fisheries 011
12. Social and Political Sciences 012
13. Psychology 013
14. Education 014
15. Health 015
16. Literature 016
17. Others 099
*) Including Economic Science and Accounting.
If the “Education Level” column is filled with “Up to High School or equivalent” (code 001), this column is filled with “Others” (code 099).
19) Employment Status
a) Filled with 3 (three) digit numbers in accordance with the employment status code. b) Data reference:
No. Employment Status Code Description

Local workforce 001 Indonesian workforce.
Foreign workforce 002 a. Foreign nationals holding visas
for the purpose of working in the
Republic of Indonesia. b. Foreign nationals working at the branch office of an Indonesian legal entity bank located outside the country.

Employment Status (Tenure)
a) Filled with 3 (three) digit numbers in accordance with the employee status code. b) Data reference:
No. Employment Status Code Description

Permanent 001 Organic employees.
Non-permanent 002 Non-organic employees
assigned with contract or honorarium status. c) Non-permanent employment status is filled for non-permanent employees directly contracted by the BUK for a specific period. These employees do not include outsourcing employees managed by third parties or labor service provider companies.

Position
a) Filled with 3 (three) digit numbers in accordance with the position code. b) Data reference:
No. Position Code Description

President Director 001
Director 002
Compliance Director 003 Director who oversees
the compliance function
Chief Commissioner 004
Commissioner 005
Shariah Supervisory Board (DPS) 006
Executive Official (PE) 007 PE definition in accordance with
regulations on commercial banks
Official 2 (two)
levels below the Board of Directors 008 All officials 2 (two) levels below the Board of Directors, who are not included in PE.
Other Employees 009 Employees other than PE
and officials 2 (two) levels below the
Board of Directors up to staff-level employees
Experts and
Consultants 010 Individuals who have specific technical knowledge with adequate qualification standards for expertise c) BUK categorizes human resources as other employees (code 009) including:
(1) contract employees in education program status such as graduate development program and personal assistant.
(2) employees who, in terms of career level, cannot yet hold a PE position, even though structurally they are 2 (two) levels below the Board of Directors. d) In the event that BUK has a deputy position for the director or commissioner positions, BUK fills the respective position with director (002) or commissioner (005).

e) In the event that there are employees holding multiple positions, the core data of the said employee is only reported once (1) in Table 1. Example:
An employee “A” currently holds the position of Deputy President Director (Director) and simultaneously serves temporarily (Acting) as President Director.
Table entry:
…
Employee Name … Position …
Employee “A” 001
22) Position Description
a) Filled with the position name or title completed with the city of the position's headquarters.
Example of entry:
(1) branch area manager VII Surabaya;
(2) regional marketing staff II Palembang; or
(3) fixed income portfolio analyst Jakarta. b) Specifically for the commissioner position, this column is filled with the description “independent” or “non-independent”. c) In the event that there are employees holding multiple positions, the core data of the said employee is only reported once (1) in Table 1, however, information on the dual position is reported in this column. Example:
An employee “A” currently holds the position of Head of AML and CFT Division (PE) and simultaneously serves temporarily as Acting Head of Compliance Division (PE).
Table Entry:
…
Employee Name … Position Position Description … Employee A Head of AML and CFT Division serving temporarily as Head of Compliance Division.
23) Functional Area
a) Filled with 3 (three) digit numbers in accordance with the functional area code. b) Data reference:
No. Functional Area Code Description

Main Party 000 Filled specifically for the Board of Directors
(including Compliance
Director), Board of
Commissioners, and Shariah
Supervisory Board.
Treasury 001 Treasury functional area includes
tasks that among others relate to the arrangement and management of BUK assets and liabilities to optimize profit, liquidity management, net forex position, and the sale of treasury products directly or indirectly.

No. Functional Area Code Description
3. Risk
Management 002 Risk management functional area includes tasks that among others relate to the management and mitigation of risk.
4. Credit or
Financing 003 Credit or financing functional area includes tasks that among others relate to the disbursement of credit or financing by BUK.
5. Information
Technology 004 Information technology functional area includes tasks that among others relate to the management of the administrative process of banking transactions, management of customer data, network development, system development, planning and reengineering of banking operational processes, management of banking support facilities, and management of electronic banking products, using information technology facilities.
6. Marketing 005 Marketing functional area includes tasks that among
others relate to efforts to market banking products and services, both for fund mobilization and fund disbursement.
7. Investor
Relations 006 Investor relations functional area includes tasks that among others relate to strategy and efforts to obtain and cultivate quality relationships with investors to obtain business opportunities.
8. Finance 007 Finance functional area includes tasks that among others relate to aspects
of financial accounting, management accounting, financial reporting, taxation, financial planning, and financial strategy.
9. Compliance 008 Compliance functional area includes tasks that among others relate to efforts
to ensure that policies, regulations, systems and procedures, as well as business activities carried out by BUK are in accordance with regulations, including Shariah principles for BUKs that have Shariah Business Units.

No. Functional Area Code Description
10. Personnel 009 Functional area that includes
tasks that among others relate to human resources.
11. Operations 010 Operational functional area includes tasks that among
others relate to the execution of operational and administrative transactions.
12. Internal Audit 011 Internal audit functional area includes activities providing
assurance and consultation that are independent and objective with the aim of increasing value and improving BUK operations, through a systematic approach by evaluating and improving the effectiveness of risk management, control, and BUK governance processes.
13. Other banking
functional areas 012 Included in the category of other banking functional areas are employees who work in functional areas other than those in codes 001-011. c) In the event that there are employees holding multiple positions, the data reported in this column for the said employee is the functional area of the employee's current position (not the functional area of the dual role). Example:
An Employee “A” currently holds the position of Head of AML and CFT Division (PE) and simultaneously serves temporarily as Acting Head of Compliance Division (PE).
Table Entry:
…
Employee Name … Position Position Description Functional Area … Employee “A” 007 Head of AML and CFT Division serving temporarily as Head of Compliance Division. d) In the event that an employee holds a position that oversees multiple functional areas, this column is filled with one of the functional areas overseen by the said employee, while other functional areas are listed in the “Functional Area Description” column. Example:
Employee “A” is a Branch Manager overseeing the operational and credit functional areas. This column is filled with the functional area “Operations” (code 010).
Table Entry:
…
Employee Name … Position Position
Description
Functional
Area …
Employee “A” 007 Branch Manager 010

Functional Area Description
This column is filled:
a) with the functional area description held by the employee who has the functional area code “012”. For example, the functional area “Procurement”; or b) in the event that an employee has more than 1 (one) functional area, the functional area description is filled with the other functional area. For example, an employee handles risk management tasks and compliance tasks. In the “Functional Area” column, “002” has been filled, in this column “Compliance” is filled.
Table Entry:
…
Employee Name … Position Position
Description
Functional
Area
Description
Functional
Area Description
…
Employee
“A” 007
Head of risk management policy division
002 Compliance
Date of Start of Work at the Bank
a) Filled with 8 (eight) digits in yyyymmdd format. b) Filled with the date of first starting work at the reporting BUK. c) Example of data entry:
No. Date of Start of Work at the Bank Entry

7 June 1995 19950607
18 December 2001 20011218
25/04/2013 20130425

Internal Bank Violations
a) Filled with the type of serious misconduct previously committed by BUK employees within the last 2 (two) years resulting in internal sanctions from BUK. b) Definition of serious misconduct in accordance with the Law on Manpower. c) In the event that there is no serious misconduct, this column is filled with “Nil”.

Table 2: Job History Data
a. Report Format
JOB HISTORY DATA
Employee ID Code Bank Position Position
Description
Functional
Area
Description
Appointment/Replacement
Status
Appointment/
Replacement Letter
Number
Date of Appointment/
Replacement Letter
Effective Date of
Appointment/
Replacement
Letter Number
Dismissal Decision
Effective Date of
Dismissal
Reason for Dismissal

b. Filling Guidelines
Job history data reports are filled with information regarding the job history of members of the Board of Directors, members of the Board of Commissioners, members of the DPS, Executive Officials (PE), and officials 2 (two) levels below the Board of Directors who are not included in PE, both active employees and those who have resigned during the Report period. What is meant by members of the Board of Directors or members of the Board of Commissioners in the Human Resources Data Report are members of the Board of Directors or members of the Board of Commissioners who have been approved by the Financial Services Authority based on the results of the fitness and propriety assessment in accordance with Financial Services Authority Regulations regarding the fitness and propriety assessment for key parties of financial service institutions. What is meant by members of the DPS in the Human Resources Data Report are members of the DPS who have obtained approval from the Financial Services Authority in accordance with regulations on Shariah commercial banks and Shariah business units. The history data provided is detailed job history data for each individual from the position 2 (two) levels below the Board of Directors up to the current position, while working in the banking sector. Example 1:
Mrs. Patricia is a Credit Division Head at BUK “A” with the following job history:
(a) Officer Development Program (ODP) since 1998; (b) credit team leader at Kelapa Gading Branch since 2005; (c) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors) since 2014; and (d) credit division head (position 1 (one) level below the Board of Directors/PE) since 2018. The reporting of Mrs. Patricia's positions in Table 2 as of the December 2026 data position is filled with 2 (two) rows, namely the details of the positions in letters (c) and (d). Example 2:
Mrs. Citra is a Jakarta Region Group Head at BUK “B” with the following job history:
(a) ODP since 2000;
(b) credit team leader at Fatmawati Branch since 2006; and (c) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors not included in PE) since 2017. The reporting of Mrs. Citra's positions in Table 2 as of the December 2026 data position is filled with 1 (one) row, namely the details of the position in letter (c). Example 3:
Mrs. Widya is a Group Head in the compliance work unit at Bank “C” with the following job history:
(a) ODP since 1998;
(b) credit team leader at Gadjah Mada Branch since 2006; (c) group head in the business unit (position 2 (two) levels below the Board of Directors not included in PE) since 2014; and (d) group head in the compliance unit (position 2 (two) levels below the Board of Directors not included in PE) since 2018.

The reporting of Mrs. Widya's positions in Table 2 as of the December 2026 data position is filled with 2 (two) rows, namely the details of the positions in letters (c) and (d). Example 4:
Mr. Torang is a Credit Division Head at BUK “A” with the following job history:
(a) ODP since 1998 at BUK “B”;
(b) credit team leader since 2005 at BUK “C”;
(c) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors) since 2014 at Bank “D”; (d) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors) since 2016 at BUK “A”; and (e) credit division head (position 1 (one) level below the Board of Directors/PE) since 2018 at BUK “A”. The reporting of Mr. Torang's positions in Table 2 as of the December 2026 data position is filled with 3 (three) rows, namely the details of the positions in letters (c), (d), and (e). Example 5:
Mrs. Kezia is a Credit Division Head at BUK “A” with the following job history:
(a) ODP since 1998 at Bank “B”;
(b) credit team leader since 2005 at BUK “C”;
(c) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors) since 2014 at BUK “D”; (d) credit group head in the Jakarta region (position 2 (two) levels below the Board of Directors) since 2016 at BUK “A”; and (e) credit division head (position 1 (one) level below the Board of Directors/PE) since 2018 at BUK “A”. The reporting of Mrs. Sari's positions in Table 2 as of the December 2026 data position is filled with 3 (three) rows, namely the details of the positions in letters (c), (d), and (e). Example 6:
Example information to be included for employees who resigned during the Report period is as follows:
On October 28, 2026, employees named Budi (PE), Wati (official 2 (two) levels below the Board of Directors not included in PE), and Ani (official 2 (two) levels below the Board of Directors not included in PE) resigned from PT Bank “ABC”, information on the names of Budi, Wati, and Ani is reported in Table 2 as of the December 2026 data position.

Employee ID Number
Filling guidelines refer to item 6) in Table 1.
Bank Code
Filled in accordance with the bank code where the individual works, both at the current BUK and at previous banks in the event the individual has previously held positions as a member of the Board of Directors, member of the Board of Commissioners, member of the DPS, PE, and/or official 2 (two) levels below the Board of Directors at another bank.
Position
Filling guidelines refer to item 21) in Table 1.
Position Description
Filling guidelines refer to item 22) in Table 1.
In the event that there are employees holding multiple positions, the data for the said employee is reported 2 (two) times in Table 2 (the number of rows reported equals the number of employee positions). Example:
An employee “A” currently holds the position of Head of Commercial Credit Policy Division (PE) and simultaneously serves temporarily as Deputy Head of Compliance Division.
Table Entry:
Employee
ID Code Bank Position Position Description …
1111 001 007 Head of Commercial
Credit Policy Division
1111 001 007 Deputy Head of
Compliance Division
Functional Area
Filling guidelines refer to item 23) in Table 1.
In the event that there are employees holding multiple positions, the data for the said employee is reported 2 (two) times in Table 2 (the number of rows reported equals the number of employee functional areas). Example:
An employee “A” currently holds the position of Head of Commercial Credit Policy Division (PE) and simultaneously serves temporarily as Deputy Head of Compliance Division.
Table Entry:
Employee
ID Code Bank Position Position
Description
Functional
Area …
1111 001 007
Head of
Commercial Credit
Policy Division
1111 001 007 Deputy Head of
Compliance Division 008
Functional Area Description
Filling guidelines refer to item 24) in
Table 1.
Appointment/Replacement Status
a) Filled with 3 (three) digit numbers in accordance with the appointment/replacement status code. b) Data reference:
No.
Appointment/Replacement Status Code

Permanent 001
Temporary 002
c) Temporary status is used for reporting temporary replacements due to:

(1) existence of a vacancy and a new official who has not yet been appointed or has been appointed but has not yet performed their duties; or (2) the official in question (who actually holds the position) is unable to perform their duties for a period of more than 3 (three) months.

Appointment/Replacement Letter Number
a) This column is filled with the number of the decision letter of appointment/replacement from the bank's board of directors or the competent official. b) In the event that employee data cannot be proven by the existence of an appointment/replacement letter, this column may be filled with the number of another letter as proof of employee appointment/replacement. c) Specifically for positions of members of the board of directors and members of the board of commissioners, this column is filled with data on members of the board of directors and members of the board of commissioners who have been approved by the Financial Services Authority based on the results of the fitness and propriety assessment in accordance with the Financial Services Authority Regulation regarding the assessment of fitness and propriety for key parties of financial service institutions, namely the approval letter number from the Financial Services Authority. d) Specifically for positions of members of the Sharia Supervisory Board (DPS), this column is filled with data on the DPS that has obtained approval from the Financial Services Authority as regulated in the provisions of legislation regarding conventional banks and the provisions of legislation regarding Sharia business units, namely the approval letter number from the Financial Services Authority. e) The following are meant by:
(1) Appointment refers to:
(a) a decision of the General Meeting of Shareholders (GMS) based on approval from the Financial Services Authority to appoint a person who previously did not meet the criteria as a member of the board of directors, member of the board of commissioners, and member of the DPS to become a member of the board of directors, member of the board of commissioners, and member of the DPS; or (b) a decision of the board of directors or the competent official to appoint a person who previously did not meet the criteria as an Executive Official (PE) and an official 2 (two) levels below the board of directors to become a PE and an official 2 (two) levels below the board of directors at a bank. (2) Permanent replacement refers to:
(a) a GMS decision to place a person who previously had become a member of the board of directors, member of the board of commissioners, and member of the DPS to become a member of the board of directors, member of the board of commissioners, and member of the DPS in another position at the same Commercial Bank (BUK); or (b) a decision of the board of directors or the competent official to place a person who previously had become a PE and an official 2 (two) levels below the board of directors to become a PE and an official 2 (two) levels below the board of directors in another position at the same BUK. (3) Temporary replacement refers to a decision of the board of directors or the competent official to appoint/place a person as a temporary replacement for a PE and an official 2 (two) levels below the board of directors because:
(a) there is a vacancy for a PE and an official 2 (two) levels below the board of directors where the new official has not yet been appointed or has been appointed but has not yet performed their duties; or (b) the PE and official 2 (two) levels below the board of directors in question (who actually holds the position) are unable to perform their duties for a period of more than 3 (three) months.
Appointment/Replacement Letter Date
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the date of the appointment or replacement letter, from the bank's board of directors or the competent official. c) In the event that there is no appointment or replacement letter document, this column may be filled with the date of another document as proof of appointment or replacement.
Effective Date of Appointment/Replacement
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the effective date of the appointment or replacement. c) Example of data entry:
No.
Effective Date of Appointment/Replacement
Entry

In the Decision Letter for Appointment of PE No. CD/I/Dir/2018 dated January 4, 2018, it is stated that the decision is effective from the date it was established.
20180104
In the Decision Letter for Appointment of PE No. AB/II/Dir/2018 dated February 2, 2018, it is stated that the letter becomes effective starting from February 5, 2018.
20180205

Dismissal Decision Letter Number
a) Only filled for the reporting of dismissal of members of the board of directors, members of the board of commissioners, members of the DPS, PEs, and officials 2 (two) levels below the board of directors. This column is filled with the number of the GMS minutes for the dismissal of members of the board of directors, members of the board of commissioners, and members of the DPS, or the number of the dismissal letter for PEs and officials 2 (two) levels below the board of directors. b) Dismissal means the employee in question no longer works at that bank. c) This column is left blank for positions that are still active at the end of the Reporting period. d) In the event that the bank does not issue a dismissal decision letter, other documents that can be equated with a dismissal decision letter are used. e) In the event that employee data cannot be proven by the existence of a dismissal decision letter, this column may be filled with the number of another document as proof of dismissal. f) For employees who are still active until the end of the reporting period, this column is left blank.
Effective Date of Dismissal
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the effective date of the decision as stated in the dismissal decision letter. c) In the event that there is no dismissal letter document, this column may be filled with the date of another document as proof of dismissal. d) For employees who are still active until the end of the reporting period, this column is left blank. e) Example of data entry:
No.
Effective Date of Dismissal
Entry

In the Decision Letter for Dismissal of PE No. XY/III/Dir/2018 dated March 8, 2018, it is stated that the decision is effective from the date it was established.
20180308
In the Letter of Revocation of Authority for PE No. QR/IV/Dir/2018 dated April 15, 2018, it is stated that the letter of revocation of authority becomes effective on April 18, 2018.
20180418

Reason for Dismissal
a) Filled with the reason for dismissal as a member of the board of directors, member of the board of commissioners, member of the DPS, PE, or official 2 (two) levels below the board of directors. Examples include resignation, career retirement, or early retirement. b) If the employee is still active until the end of the reporting period, this column is left blank.

Example of Table 2 filling based on Example 5:
Reporting BUK Code is 008
Employee ID Number
Bank Code
Position
Description
Position
Field of Duty
Description
Field of Duty
Appointment/Replacement Status
Appointment/Replacement Letter Number
Appointment/Replacement Letter Date
Effective Date of Appointment/Replacement
Dismissal Decision Letter Number
Effective Date of Dismissal
Reason for Dismissal
02052210990014
007
Group Head Credit in Jakarta Region
003

001
SK/123/11/14
20140921
20140921

02052210990008
007
Group Head Credit in Jakarta Region
003

001
SK/456/06/16
20160610
20160610

02052210990008
006
Head of Credit Division
003

001
SK/789/04/18
20180410
20180410

02052210990008
006
Head of Operational Division
010

001
SK/543/05/20
20200508
20200508
SK/654/05/20
20201028
Career retirement

Table 3: Work History Data
a. Report Format
WORK HISTORY DATA
Employee ID Number
Company Name
Type of Company Business
Start Date
End Date
Job Title/Position b. Filling Guidelines
The work history data report for members of the board of directors, members of the board of commissioners, members of the DPS, PEs, or officials 2 (two) levels below the board of directors is filled with information regarding:

detailed work history of each individual before holding the position of official 2 (two) levels below the board of directors, both at the bank and before working at the bank; and
detailed work history of each employee at non-bank companies.
Employee ID Number
Filling guidelines refer to number 6) in Table 1.
Company Name
Filled with the company name, whether bank, non-bank financial institution, or other company/institution.
Example:
PT Bank XYZ.
PT ABC, Tbk.
Type of Company Business
a) Filled with 3 (three) digits according to the type of company business code. b) Data filling reference:
No.
Type of Company Business
Code

Financial Sector
a) Bank 101 b) Pension Fund 102 c) Venture Capital 103 d) Financing Company 104 e) Securities 105 f) Mutual Fund 106 g) Insurance 107 h) Investment Management 108 i) Others 199
Non-Financial Sector
a) Private 201 b) State-Owned Enterprise c) Government Institution 203 d) Educational Institution 204 e) Others 205

Start Date
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the effective date of the start of duties at a certain job/position.
End Date
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the effective date of the end of duties at a certain job/position.
Job Title/Position
Filling guidelines refer to number 22) in Table 1.

Table 4: Formal Education History Data
a. Report Format
FORMAL EDUCATION HISTORY DATA
Employee ID Number
Identity Number
Education Level
Name of Educational Institution
Year of Entry
Study Program
Graduate/Degree b. Filling Guidelines
The report is filled with education history data for members of the board of directors, members of the board of commissioners, members of the DPS, PEs, and officials 2 (two) levels below the board of directors.

Employee ID Number
Filling guidelines refer to number 6) in Table 1.
Identity Number
Filling guidelines refer to number 7) in Table 1.
Education Level
Filling guidelines refer to number 17) in Table 1.
Name of Educational Institution
Filled with the name of the formal educational institution.
Example: Universitas Indonesia.
Year of Entry
Filled with 4 (four) digits in yyyy format according to the year of entry into formal education.
Study Program
Filling guidelines refer to number 18) in Table 1.
Graduate/Degree
a) Filled according to the formal education degree achieved.
Example: Bachelor of Economics, Master of Management. b) If the "Education Level" column is filled with "up to High School or equivalent" (code 001), then this column is filled with "Graduated".

Table 5: Training/Certification History Data
a. Report Format
TRAINING/CERTIFICATION HISTORY DATA
Employee ID Number
Identity Number
Type of Training/Certification
Year of Training/Certification
Name of Organizing Institution b. Filling Guidelines The training/certification history data report is filled with information regarding training data related to banking, both soft skills and technical skills, and certifications previously attended by all employees with the following provisions:

for members of the board of directors, members of the board of commissioners, members of the DPS, PEs, and officials 2 (two) levels below the board of directors, the reported information covers all training/certifications previously attended; and
specifically for other employees up to staff-level employees, the reported information covers training/certification history attended within the last 2 (two) years from the Reporting position.
Employee ID Number
Filling guidelines refer to number 6) in Table 1.
Identity Number
Filling guidelines refer to number 7) in Table 1.
Type of Training/Certification
a) The scope of training or certification reported is training or certification organized by either internal or external parties of the BUK, including training organized through online platforms. b) Filled with 3 (three) digits according to the type of training or certification code. c) Data filling reference:
No.
Training/Certification
Code

Technical Skill Training
a) Bank Reporting 110 b) Lending/Treasury 120 c) Risk Management 130 d) Banking Regulation Socialization 140 e) Audit 150 f) Information Technology 160 g) General Management 170 h) Banking Management 180 i) Others 199
Soft Skill Training
a) Problem Analysis and Decision Making b) Customer Relationship Skill 220 c) Leadership 230 d) Presentation and Communication Techniques e) Others 299
Certification
a) Risk Management Certification 310 b) General Banking Certification 320 c) Internal Bank Audit Certification 330 d) Wealth Management Certification 340 e) Funding & Services Certification 350 f) Treasury Certification 360 g) Banking Compliance Certification 370 h) Banking Operations Certification 380 i) Banking Credit Certification 390 j) Other Certifications 399

Year of Training/Certification
Filled with 4 (four) digits according to the year of training or certification in yyyy format.
Name of Organizing Institution
a) Filled with the name of the organizing institution. b) In the event that the training or certification is online and uses internal BUK facilities, this column is filled with "internal bank".

Table 6: BUK Human Resource Management Performance
a. Report Format
BANK HR MANAGEMENT PERFORMANCE
Indicator
Value a. Personnel Function
Time to fill vacant positions, for fields of duty:
a) Treasury b) Risk Management c) Credit or Financing d) Information Technology e) Marketing f) Investor Relations g) Finance h) Compliance i) Personnel j) Operations k) Internal Audit l) Other banking fields of duty
Average recruitment cost, for job positions:
a) Board of Directors b) Board of Commissioners c) Sharia Supervisory Board d) Executive Officials e) Officials 2 (two) levels below the board of directors f) Experts and consultants g) Employees other than letters a), b), c), d), e), and f) up to staff-level employees b. Performance Evaluation Function
Employee Productivity
a) Revenue per Employee b) Net Profit per Employee
Labor Costs
a) Ratio of Labor Costs to Total Operating Costs b) Ratio of Outsourcing Costs to Total Fixed Labor Costs
Employee Turnover (Loyalty)
a) Voluntary employee turnover ratio b) Involuntary employee turnover ratio c) Average employee tenure, for job positions:

Executive Officials
Officials 2 (two) levels below the board of directors
Experts and consultants
Employees other than numbers 1), 2), and 3) up to staff-level employees

Promotion Opportunities
a) Average promotion time, for job positions:

Executive Officials
Officials 2 (two) levels below the board of directors
Employees other than numbers 1) and 2) up to staff-level employees
b) Job Promotion Ratio, for fields of duty:
Treasury
Risk Management
Credit or Financing
Information Technology
Marketing
Investor Relations
Finance
Compliance
Personnel
Operations
Internal Audit
Other banking fields of duty
c) Job Rotation

Employee Planning
Pension ratio
c. Training and Development Function
Average training time per employee
Average training cost per employee
Ratio of total education funds to labor costs
d. Others
Number of debtors per Relationship Manager or Account Officer
a) Corporate segment b) Non-corporate segment
Mandatory Leave Obligations
b. Filling Guidelines
The BUK HR management performance report is filled with information on several management indicators in aggregate for a certain period. BUK HR Management Performance Data is filled with real data.

In the event that the BUK does not have real data, the BUK may report data in accordance with the policies applicable to each BUK.

Personnel Function
a) Time to Fill Vacant Positions
(1) Filled with the time to fill vacant positions, which is the time required to fill a certain position from the time the position is vacant until the candidate employee accepts the offer to fill the position. (2) Filled in units of days. b) Average Recruitment Cost (1) Filled with the average recruitment cost, which is the average cost incurred to recruit 1 (one) member of the board of directors, member of the board of commissioners, member of the DPS, or employee. The calculation formula is:
Average recruitment cost = Total recruitment cost per position / Number of new employees per position recruited (2) Filled in units of Rupiah. (3) Recruitment costs include advertising costs, job fair participation costs, recruiter honorariums, recruitment tools, training costs, agency fees, costs involving managers, and other costs commonly incurred for recruitment.
Performance Evaluation Function
a) Employee Productivity
(1) Revenue per Employee
(a) Filled with revenue per employee, which is the average amount of revenue generated by each employee, the calculation formula is:
Revenue per employee = Total revenue / Number of employees (permanent and non-permanent) (b) The term "total revenue" refers to the "Interest Income and Non-Interest Income" column in the Income Statement in the BUK Financial Statements as referred to in codes 04.11.00.00.00.00 + 04.12.00.00.00.00 in the integrated conventional bank report. (c) The employees referred to in this ratio include all employees without distinguishing whether the employee works in a revenue-generating work unit (revenue center unit such as sales work unit) or a work unit that does not generate revenue for the BUK (cost center unit such as operations work unit). (d) Filled in full units in Rupiah. (2) Net Profit per Employee (a) Filled with net profit per employee, which is the average amount of net profit generated by each employee, the calculation formula is:
Net profit per employee = Total net profit / Number of employees (permanent and non-permanent) (b) The term "total net profit" refers to the "Current Year Net Profit/Loss" column in the Income Statement in the BUK Financial Statements as referred to in codes 03.05.02.01.00.00 - 03.05.02.02.00.00 in the integrated conventional bank report. (c) Filled in full units in Rupiah. b) Labor Costs (1) Ratio of Labor Costs to Total Operating Costs (a) Filled with the ratio of labor costs to total operating costs, the calculation formula is:
Ratio of Labor Costs = Labor Costs / Total Operating Costs x 100 (b) The term "labor costs" refers to total labor costs as referred to in codes 05.12.13.01.00.00, 05.12.13.02.00.00, 05.12.13.03.00.00, 05.12.13.04.00.00, 05.12.13.04.01.00, 05.12.13.04.02.00, 05.12.13.04.03.00, 05.12.13.04.99.00, 05.12.13.99.00.00 in the Income Statement in the integrated conventional bank report. (c) The term "total operating costs" refers to the "Other Operating Expenses" column as referred to in code 05.12.00.00.00.00 in the Income Statement in the integrated conventional bank report. (d) Filled in units of percent with 2 (two) decimal places using a dot (.) separator. Example:
The ratio of labor costs to total operating costs is 20.30%, in relation to this, the BUK fills in 20.30.
(2) Ratio of Outsourcing Costs to Total Labor Costs (a) Filled with the ratio of outsourcing costs to labor costs, the calculation formula is:
Ratio of outsourcing costs to total labor costs = Outsourcing Costs / Total Labor Costs x 100% (b) The term "total labor costs" refers to the sum of codes 05.12.13.01.00.00, 05.12.13.02.00.00, 05.12.13.03.00.00, 05.12.13.04.00.00, 05.12.13.04.01.00, 05.12.13.04.02.00, 05.12.13.04.03.00, 05.12.13.04.99.00, 05.12.13.99.00.00 in the Income Statement in the integrated conventional bank report. (c) Filled in units of percent with 2 (two) decimal places using a dot (.) separator. Example:
The ratio of outsourcing costs to total labor costs is 20.30%, in relation to this, the BUK fills in 20.30. c) Employee Turnover (Loyalty) (1) Voluntary Employee Turnover Ratio (a) Filled with the ratio of employees who resigned during a certain period voluntarily, the calculation formula is:
Voluntary employee turnover ratio = Number of employees who left the company during a certain period voluntarily / ((Number of employees at the beginning of the period + Number of employees at the end of the period)/2) x 100% (b) Filled in units of percent with 2 (two) decimal places, using a dot (.) separator. Example:
The voluntary employee turnover ratio is 20.40%, in relation to this, the BUK fills in 20.40.
(2) Involuntary Employee Turnover Ratio
(1) Filled with the ratio of employees dismissed by the BUK during a certain period, the calculation formula is:
Involuntary employee turnover ratio = Number of employees dismissed from the company during a certain period / ((Number of employees at the beginning of the period + Number of employees at the end of the period)/2) x 100% (2) Filled in units of percent with 2 (two) decimal places, using a dot (.) separator. Example:
The involuntary employee turnover ratio is 20.50%, in relation to this, the BUK fills in 20.50.
(3) Average Employee Tenure
(1) Filled with the average duration of employees working at the BUK calculated from the existence of an employment relationship between the worker and the BUK based on the employment agreement until the worker stops working at the BUK. (2) Filled in units of years with 2 (two) decimal places, using a dot (.) separator. Example:
The average employee tenure is 20 years and 3 months, in relation to this, the BUK fills in 20.25. d) Promotion Opportunities (1) Average Promotion Time (a) Filled with the average time required for each employee in a certain position to be promoted to a higher position in accordance with the policies implemented by each BUK. Example 1:
According to internal BUK policy for promotion from the PE position to the board of directors position, employees require at least 5 (five) years to be promoted to the board of directors position, so this column is filled with "5.00". Example 2:
According to internal BUK policy for promotion from the group head position (official 2 (two) levels below the board of directors) to the PE position, employees require at least 6 (six) years and 6 (six) months to be promoted to the PE position, so this column is filled with "6.50". Example 3:
According to internal BUK policy for promotion from the staff position to the official 2 (two) levels below the board of directors position, employees require at least 12 (twelve) years to be promoted to the official 2 (two) levels below the board of directors position, so this column is filled with "12.00". (b) Filled in units of years, with 2 (two) decimal places, using a dot (.) separator. Example 1:
According to internal BUK policy for promotion from the staff position to the assistant manager position, employees must hold the staff position for at least 5 (five) years and 3 (three) months to be promoted to the assistant manager position, so this column is filled with "5.25". Example 2:
According to internal BUK policy for promotion from the assistant manager position to the manager position, employees must hold the staff position for at least 3 (three) years and 6 (six) months to be promoted to the manager position, so this column is filled with "3.50". In the event that the internal BUK policy does not have a minimum time rule for promotion, this column may be filled with real data on the average time one employee can be promoted to a higher position.

(2) Job Promotion Ratio
(a) Filled with the ratio of the number of employees promoted (rank/level increase) compared to the total number of employees in a certain period, the calculation formula is:
Job promotion ratio =
Number of promoted employees
Total number of employees x 100%
(b) Filled in percentage units with 2 (two) decimal places, using a dot (.) separator.
Example:
The job promotion ratio of BUK is 20.50%, in relation to this, BUK fills in "20.50".

(3) Job Rotation
(a) Filled with the average time required for an employee to move from one job to another or from one job to the same job at another branch within the same company, in accordance with the policies implemented by each BUK. (b) Filled in units of years with 2 (two) decimal places, using a dot (.) separator. Example:
According to BUK's internal policy, an employee must be rotated to another section after holding the original position for 3 (three) years and 4 (four) months, so this column is filled with "3.30". (c) In the event that BUK's internal policy does not have rules for the minimum time for employee rotation, this column may be filled with real data on the average time one employee is rotated to another position.

e) Employee Planning - Retirement Ratio
(1) Filled with the ratio of the number of employees retiring from their career compared to the number of employees (permanent and non-permanent) in a certain period, the calculation formula is:
Retirement ratio =
Number of employees retiring
Total number of employees x 100%
(2) Filled in percentage units with 2 (two) decimal places, using a dot (.) separator.
Example:
According to BUK data, the retirement ratio is 30.40%, so this column is filled with "30.40".

Training and Development Function
a) Average training time per employee
(1) Filled with the average training time required for each employee during a certain period.
(2) Filled in units of hours.
(3) In the event that BUK does not have real numbers, it may be filled in accordance with BUK's policy.

b) Average training cost per employee
(1) Filled with the average training cost per employee during a certain period, the calculation formula is:
Average training cost per employee =
Total education cost
Total number of employees x 100%
(2) Filled in units of Rupiah.

c) Ratio of total education funds to labor costs (1) Filled with the total realization of education funds in the current year divided by total labor costs. (2) The definition of education funds is in accordance with regulations regarding the provision of funds for the development of human resources of conventional banks, the calculation formula is:
Ratio of total education funds to labor costs = Total education funds Total labor costs x 100% (3) The term "labor costs" refers to total labor costs as referred to in codes 05.12.13.01.00.00, 05.12.13.02.00.00, 05.12.13.03.00.00, 05.12.13.04.00.00, 05.12.13.04.01.00, 05.12.13.04.02.00, 05.12.13.04.03.00, 05.12.13.04.99.00, 05.12.13.99.00.00 in the Profit and Loss statement in the integrated conventional bank report. (4) Filled in percentage units with 2 (two) decimal places, using a dot (.) separator.

Others
a) Number of Debtors per Relationship Manager or Account Officer (1) Filled with the average number of debtors handled by one relationship manager or account officer. (2) Filled in whole units with rounding of decimal fractions. (3) What is reported in this column are debtors who still have loan facilities at BUK. For example, credit facilities, overdrafts, trade, and others in accordance with the applicable credit agreements, both those with outstanding balances and those without outstanding balances. (4) The corporate segment includes large debtor segments financed by BUK in accordance with BUK's policy and business complexity. (5) The non-corporate segment includes retail debtors and micro, small, and medium enterprises financed by BUK in accordance with BUK's policy and business complexity. (6) The calculation of this column can be done aggregately, i.e., the total number of corporate or non-corporate debtors divided by the total number of relationship managers or account officers in the corporate or non-corporate segment.

b) Mandatory Leave Obligation
(1) The term "mandatory leave" refers to the number of leave days that must be taken for how many consecutive days (block leave), as regulated in BUK's internal policy. (2) In the event that BUK has a policy on the number of block leave days that varies by position, the number of days is filled with the minimum block leave number applicable to all employees. (3) In the event that BUK does not have a block leave obligation policy, it is filled with the number "0" (zero). (4) Filled in units of days. (5) The determination of the minimum mandatory leave number as referred to in item (1) is reported with the consideration that in practice there are BUKs that have policies to provide additional leave rights to certain employees after the current year, adjusted to changes in position or length of service.

Table 7: Workforce Needs Prediction
a. Report Format
WORKFORCE NEEDS PREDICTION
Task Field
Education Level
Employment Status
Position
Workforce Status
Number of Workforce
Realization Year
First Prediction Year
Second Prediction Year
Third Prediction Year

b. Filling Guidelines
The Employee Needs Prediction Report is filled with information regarding the number of employees at the reporting position and predictions for the next 3 (three) years. Prediction data is grouped based on employee needs classification.

Task Field
Filling guidelines refer to item 23) in Table 1.
Education Level
Filling guidelines refer to item 17) in Table 1.
Employment Status
Filling guidelines refer to item 20) in Table 1.
Position
Filling guidelines refer to item 21) in Table 1.
Workforce Status
Filling guidelines refer to item 19) in Table 1.
Number of Workforce
Filled with the number of workforce in the reporting period and prediction of workforce numbers up to 3 (three) years ahead. Example:
The number of workforce is filled with data as follows:
a) the first semester 2026 data period will contain workforce number data at the position of June 30, 2026 and predictions for the position of December 31, 2027 through December 31, 2029; and b) the second semester 2026 data period will contain workforce number data at the position of December 31, 2026 and predictions for the position of December 31, 2027 through December 2029.

Example of filling Table 7 is:
Task Field Education Level Employee Status Position Workforce Status Number of Workforce Realization Year First Prediction Year Second Prediction Year Third Prediction Year 001 5 6 6 8 001 002 0 002 003 002 002 001 50 60 72 84 005 002 002 003 001 41 58 69 86 etc. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0012 008 1 002 001 2 3 3 4

Table 8: Bank Human Resource Remuneration Data
a. Report Format
BANK HUMAN RESOURCE REMUNERATION DATA
Position
Position Level
(Grade)
Salary per Year (in Rupiah)
Fixed Remuneration Variable Remuneration
Total
Minimum
Total
Maximum
Total
Average
Total
Minimum
Total
Maximum
Total
Average

b. Filling Guidelines
The Bank Human Resource Remuneration Report is filled with information regarding the range of minimum, maximum, and average remuneration policies for employees per position level and per position grade (grade) in the current year. Remuneration is compensation established and given to members of the board of directors, members of the board of commissioners, members of the Sharia Supervisory Board, and/or employees, whether permanent or variable, in cash or non-cash form in accordance with their duties, authority, and responsibilities. Parameters for fixed remuneration and variable remuneration are in accordance with Financial Services Authority Regulations regarding the application of governance in the provision of remuneration for conventional banks, namely as follows:

Fixed remuneration is remuneration not linked to performance and risk, including basic salary, facilities, housing allowance, health allowance, education allowance, holiday allowance, and pension.
Variable remuneration is remuneration linked to performance and risk, including bonuses or other forms equivalent to it.
Information filled in Table 8 for the first semester period will contain data on the accumulated remuneration amount of the previous year, because accumulated remuneration data for the current year is not yet available. Whereas for the second semester period, the reported data includes data on the accumulated remuneration amount of the current year (annual). Example of filling:
Report Data Period Calculation of Remuneration Amount Semester 1 year 2026 January to December 2025 Semester 2 year 2026 January to December 2026 Semester 1 year 2027 January to December 2026 Semester 2 year 2027 January to December 2027 Employees with a working period of less than 1 year are not included in the calculation of the remuneration amount reported in this table. Employees in the process of assessing competence and propriety or who have not received approval from the Financial Services Authority are not counted in the current year remuneration amount data. In the event that there is only 1 (one) employee in a certain position, the "Total Minimum", "Total Maximum", and "Total Average" columns are filled with the same data.
Position
Filling guidelines refer to item 21) in Table 1.
Position Level (Grade)
Filled with the position group (grade) in accordance with the position at BUK. Example of filling:
a) assistant manager; b) group 3a; c) band B; or d) grade 3.
Salary Per Year (in Rupiah)
a) The Salary Per Year column is divided into Fixed Remuneration and Variable Remuneration, each having minimum total, maximum total, and average total values. b) Filled with the cumulative remuneration amount (both fixed and variable) per year in the corresponding position group. c) Filled in units of Rupiah. d) Filled with real data. If BUK does not have real data, BUK may report data in accordance with the policy of each BUK.

Example of filling Table 8:
Position Position Level (Grade) Salary per Year (in Rupiah) Fixed Remuneration Variable Remuneration Total Minimum Total Maximum Total Average Total Minimum Total Maximum Total Average 006 9 25000000 55000000 35000000 10000000 25000000 1600000 006 8 20000000 45000000 25000000 10000000 30000000 22000000 007 7 27000000 45000000 35000000 15000000 35000000 25000000 007 6 25000000 43000000 30000000 15000000 33000000 23000000 008 5 50000000 10000000 8000000 25000000 45000000 33000000 008 4 40000000 8000000 6000000 24000000 40000000 31000000 008 3 30000000 5000000 4000000 23000000 38000000 28000000

Table 9: Shareholder Data
a. Report Format
SHAREHOLDER DATA
Ownership Type
Owner Classification
Identity Type
Identity Number
Shareholder Name
Address according to Identity Card
Country
Phone Number
Electronic Mail Address
Parent Name
Legal Entity Form
Establishment Deed Number
Establishment Deed Date
Last Amendment Deed Number
Last Amendment Deed Date
Legal Entity Establishment Date
Ownership Share
Effective Ownership Start Date
Effective Ownership End Date
Number of General Meeting of Shareholders Decision Letter

b. Filling Guidelines
Shareholder data is filled with data:

Controlling Shareholder (PSP) of a BUK, whether a legal entity, individual/person, and/or business group. PSP is a shareholder in accordance with Financial Services Authority Regulations regarding single ownership in Indonesian banking;
PSP of a BUK in the form of a public body; and
data on non-PSP shareholders with ownership of at least 5% (five percent).
In the event of changes in shareholders within the reporting period, information on previous shareholders is also reported. Example: PSP of BUK "ABC" changed from PT "XYZ" to PT "DEF" in December 2027, the PSP information reported in the second semester of 2027 includes information on PT "XYZ" and PT "DEF".
Ownership Type
a) Filled with a 3 (three) digit number in accordance with the ownership type code. b) Data filling reference:
No. Ownership Type Code

Individual/person 101
Legal Entity 102
Public Body 103

Owner Classification
a) Filled with a 3 (three) digit number in accordance with the owner classification code. b) Data filling reference:
No. Owner Classification Code

Non-PSP shareholder with ownership ≥ 5% 200
PSP 201
Ultimate Controlling Shareholder (PSPT) 202
c) PSPT is the PSP of BUK or the main owner of BUK. PSPT can be the owner of the PSP or the same as the PSP. d) Non-PSP shareholders with ownership of less than 5% (five percent) are not reported. e) In the event that BUK has only 1 (one) shareholder, PSP and PSPT are filled with the same data.

Identity Type
a) Filled with a 1 (one) digit number in accordance with the identity type code. b) Data filling reference:
No. Identity Type Code

ID Card (KTP) 1
Passport 2
NPWP/tax registry 3
Others (specifically for owners in the form of public bodies that do not have an NPWP)

Example of data filling:
No. Identity Type Filling

Shareholder is an Indonesian citizen (using KTP) 1
Shareholder is a foreigner (using Passport) 2
Shareholder is a legal entity (using NPWP) 3
Shareholder is a foreign legal entity (using tax registry) 3
Shareholder is the Government of the Republic of Indonesia (public body without NPWP) 4
Shareholder is the West Java Provincial Regional Government (public body without NPWP) 4

Identity Number
a) For individual/person shareholders, filled in accordance with the identity number as stated in the shareholder's identity document. b) Specifically for shareholders in the form of a public body:
Government of the Republic of Indonesia
Filled with the third-party group code in accordance with regulations on integrated conventional bank reports.
Central Public Agency
Filled with the third-party group code in accordance with regulations on integrated conventional bank reports; and
Regional Public Agency
Filled with the province and city/district reference code in accordance with regulations on integrated conventional bank reports. c) If the identity number contains characters other than letters and numbers, those characters do not need to be included. d) Example of data filling:
No. Identity Number PSP Filling

Shareholder is an Indonesian citizen and has an ID Card with NIK "1234567891234567" 1234567891234567
Shareholder is a foreigner and has a Passport with number "A123456789" A123456789
Shareholder is a foreigner and has a Passport with number "A-1234.56" A123456
Shareholder is the Government of the Republic of Indonesia (public body without NPWP) 111111
Shareholder is the West Java Provincial Regional Government (public body without NPWP) S131301L
Shareholder is the Yogyakarta City Government (public body without NPWP) [Code not explicitly listed in source table row 6, but implied context]

Shareholder Name
a) For individual/person shareholders, filled with the name stated in the identity document (without academic title abbreviations, status, and religious titles). Filling guidelines refer to item 9) in Table 1. b) For legal entity shareholders, filled with the name of the legal entity stated in the business deed document. Example of data filling:
Shareholder name is PT Makmur, filled with "Makmur".
Address according to Identity Card
a) If the shareholder is an Indonesian citizen individual, filled with the address as stated in the KTP. b) If the shareholder is a foreigner individual, filled with the domicile address in Indonesia as stated in the residence permit document, such as IMTA or KITAS. c) If the shareholder is a legal entity, filled with the address as stated in the NPWP/tax registry.
Country
Filled with a 2 (two) digit code character for the country of the legal entity or public body shareholder or the country of domicile of the individual shareholder in accordance with the country reference code. The country reference code refers to the list of country reference codes in accordance with regulations on integrated conventional bank reports. Filling guidelines refer to item 2) in Table 1.
Phone Number
Filling guidelines refer to item 14) in Table 1.
Electronic Mail Address
This column is filled with the shareholder's electronic mail address.
Example of data filling:
No. Electronic Mail Address Filling

corsec@abccorp.com corsec@abccorp.com

Parent Name
a) Filled with the name of the PSPT. b) In the event that the PSP is the PSPT, this column is left blank. c) Filling guidelines refer to item 5) in this table.
Legal Entity Form
a) Filled if the "Ownership Type" column is filled with "Legal Entity" (code 102). b) Filled with a 2 (two) digit number in accordance with the legal entity form code. c) Data filling reference:
No. Legal Entity Form Code

Persero 01
Limited Liability Company (Perseroan Terbatas) 02
Regional Company (Perusahaan Daerah) 03
Public Company (Perusahaan Umum) 04
Regional Public Company (Perusahaan Umum Daerah) 05
Regional Persero Company (Perusahaan Perseroan Daerah) 06
Cooperative (Koperasi) 07
Foreign business entity 08
Others 09
Example of filling:
No. Shareholder Name Filling
PT ABC, Tbk. 02
PT Bank XYZ, Tbk. (Persero) 01
DEF Ltd. 08

Establishment Deed Number
a) Filled with the establishment deed number of the legal entity in accordance with what is stated in the legal entity's establishment deed. b) If the "Ownership Type" column is filled with "Public Body" (code 103), this column is left blank. c) Filled if the "Ownership Type" column is filled with "Legal Entity" (code 102). Example of filling:
No. Establishment Deed Number Filling

Establishment deed number is "1234" 1234
Establishment deed number is "7A" 7A
Establishment deed number is "09" 09

Establishment Deed Date
a) Filled with an 8 (eight) digit number with format yyyymmdd. b) Filled with the date of the legal entity's establishment deed in accordance with what is stated in the legal entity's establishment deed. c) If the "Ownership Type" column is filled with "Public Body" (code 103), this column is left blank. d) Only filled if the "Ownership Type" column is filled with "Legal Entity" (code 102). Example of data filling:
No. Establishment Deed Date Filling

June 7, 1982 19820607
December 18, 1971 19711218
April 25, 1988 19880425

Last Amendment Deed Number
a) Filled with the number of the last amendment deed of the legal entity. b) If the "Ownership Type" column is filled with "Public Body" (code 103), this column is left blank. c) Only filled if the "Ownership Type" column is filled with "Legal Entity" (code 102). d) If there is no legal entity amendment deed, this column is filled with the establishment deed number. Example of data filling:
No. Last Amendment Deed Number Filling

Last amendment deed number is "1234" 1234
Establishment deed number is "7A" 7A
Establishment deed number is "09" 09

Last Amendment Deed Date
a) Filled with an 8 (eight) digit number with format yyyymmdd. b) Filled with the date of the last legal entity deed in accordance with what is stated in the last amendment deed of the legal entity. c) If the "Ownership Type" column is filled with "Public Body" (code 103), this column is left blank. d) Only filled if the "Ownership Type" column is filled with "Legal Entity" (code 102). Example of data filling:
No. Establishment Deed Date Filling

June 7, 1982 19820607
December 18, 1971 19711218
April 25, 1988 19880425

Legal Entity Establishment Date
a) Filled with an 8 (eight) digit number with format yyyymmdd. b) Filled with the date of the legal entity's establishment in accordance with the shareholder's establishment deed. c) If the "Ownership Type" column is filled with "Public Body" (code 103), this column is left blank. d) Only filled if the "Ownership Type" column is filled with "Legal Entity" (code 102).
Ownership Share
a) Filled with the Shareholder's ownership share. b) Filled in percentage units with a maximum of 2 (two) decimal places, using a dot (.) separator. c) Share ownership is the number of shares owned by the Shareholder for a period in accordance with the reporting period. d) Example of data filling:
No. Ownership Share Filling

Controlling PSP with ownership share 70.50% 70.50
PSP (from takeover) with ownership share 80% 80.00
Shareholder with ownership share 10.76% 10.76

Effective Ownership Start Date
a) Filled with an 8 (eight) digit number with format yyyymmdd. b) Filled with the effective date of the start of share ownership, or the date of the approval letter from the Financial Services Authority. c) Example of filling:
In General Meeting of Shareholders Decision Letter No. CD/I/Dir/2010 dated January 4, 2010, it is stated that the decision is effective upon establishment, so in the "Effective Ownership Start Date" column, 20100104 is filled.
Effective Ownership End Date
a) Filled with an 8 (eight) digit number with format yyyymmdd. b) Filled with the date of the end of share ownership, for example, ending due to sale. c) This column is left blank for existing shareholders.
Number of General Meeting of Shareholders Decision Letter
Filled in accordance with the number of the GMS decision letter, if any. Specifically for KCBLN, this column may be left blank.

CHAPTER II
PERIODIC REPORTS OF KCBLN
FINANCIAL INFORMATION GROUP
A. KCBLN REPORTS RELATED TO DEBTORS IN INDONESIA RECEIVING LOANS AND/OR OBTAINING BANK GUARANTEES FROM HEAD OFFICES OR BRANCHES ABROAD KCBLN reports related to debtors in Indonesia receiving loans and/or obtaining bank guarantees from head offices or branches abroad are in accordance with Financial Services Authority Regulations regarding conventional banks. This report is reported in whole units in Rupiah.

Report Format
Debtors in Indonesia Receiving Loans/Bank Guarantees Debtor Name Identity Number Currency Type Debtor Group Economic Sector Facility Fund Provision Start Date Maturity Date Quality Plafond Debit Balance
Filling Guidelines
a. Debtor Name
Filled with the debtor's name without titles in accordance with what is stated in the identity document.
Example:
No. Debtor Name Filling
The identity document states the debtor's name as "Putra Ganda Wijaya, SE., MM." ("SE" and "MM" are academic titles). Putra Ganda Wijaya
The identity document states the debtor's name as "H. Mukmin" ("H" is a religious title). Mukmin
The identity document states the employee's name as "R. M. Agung Wiyono" ("M." is not a nobility title). M. Agung Wiyono
The identity document states the employee's name as "Arif M. N. Anshori" ("M" and "N" are not titles). Arif M. N. Anshori

b. Identity Number

Filled with the Identity Card (KTP) number for individual debtors or NPWP for legal entity debtors as recorded in the internal KPBLN system.
If the identity number contains characters other than letters and numbers, those characters do not need to be included.
Example of data filling:
No. Identity Number Filling

Debtor is an Indonesian citizen and has an ID Card with NIK "1234567891234567" 1234567891234567
Debtor is a foreigner and has a Passport with number "PA1187434" PA1187434
Debtor is a business entity with an NPWP with number "54.806.734.1-035.000" 548067341035000

c. Currency Type
Filled with the currency type code for the provision of funds facility, referring to the reference list of currency types in accordance with regulations on integrated general bank reporting.

d. Debtor Group
Filled with 2 (two) digits of the debtor group according to the following reference:

No. Debtor Group Code
Resident

Central Government S1311
Regional Government S1313
Non-Financial Company – Public S11001
Non-Financial Company – National Private S11002
Non-Financial Company – Foreign Controlled Private S11003
Financial Institution - Bank S122
Financial Institution - Financial Auxiliaries S126
Financial Institution – Insurance S128
Financial Institution – Pension Fund S129
Financial Institution – Other Financial Companies S125
Non-Profit Institution Serving Households S15
Individual S14
Others S199L
Non-Resident
Central Government S23AL
Regional Government S23BL
Financial Institution - Bank S222L
Financial Institution - Non-Bank Financial Institution Operating Outside Indonesia S225AL
Financial Institution - Non-Bank Financial Institution Owned by Foreign State S225BL
Non-Financial Company S21L
International Institutions S2LL
Foreign State Representation and Staff S24AL
Individual S24BL
Others S299L

e. Economic Sector
Filled with 2 (two) digits of the economic sector according to the following reference:

No. Economic Sector Code

Agriculture, Forestry and Fisheries A00000
Mining and Quarrying B00000
Manufacturing Industry C00000
Electricity, Gas, Steam/Hot Water and Air Conditioning Supply D00000
Water Management, Wastewater Management, Waste Management and Recycling, and Remediation Activities E00000
Construction F00000
Wholesale and Retail Trade; Repair and Maintenance of Motor Vehicles and Motorcycles G00000
Transportation and Warehousing H00000
Accommodation and Food and Beverage Provision I00000
Information and Communication J00000
Financial and Insurance Activities K00000
Real Estate L00000
Professional, Scientific and Technical Activities M00000
Rental and Leasing Activities without Option Rights, Employment, Travel Agency and Other Business Support N00000
Public Administration, Defense and Mandatory Social Security O00000
Education P00000
Human Health Activities and Social Activities Q00000
Arts, Entertainment and Recreation R00000
Other Service Activities S00000
Household Activities as Employer; Activities Producing Goods and Services by Households Used to Meet Own Needs T00000
International Bodies and Other Extra-International Bodies U00000
Households AA0000
Other Activities Not Elsewhere Classified BB0000

f. Provision of Funds Facility
Filled with 2 (two) digits of the type of provision of funds facility according to the following reference:

No. Provision of Funds Facility Code

Credit/Financing 01
Guarantee 02
Others 99

g. Start Date

Filled with the start date of the provision of funds facility.
For provision of funds facilities with extension, this column is filled with the start date of the latest extension of the provision of funds facility.
The writing format is 4 (four) digits of the year, 2 (two) digits of the month, and 2 (two) digits of the date (yyyymmdd) in sequence without separator characters.

h. Maturity Date

Filled with the maturity date or the end of the term of the provision of funds facility.
For provision of funds facilities with extension, this column is filled with the maturity date of the latest extension of the provision of funds facility.
The writing format is 4 (four) digits of the year, 2 (two) digits of the month, and 2 (two) digits of the date (yyyymmdd) in sequence without separator characters.

i. Quality

Filled with the type of quality of the provision of funds facility in the Reporting Month in accordance with the Financial Services Authority Regulation regarding the quality assessment of general bank assets.
Data filling reference:

No. Quality Code

Good 1
Special Attention 2
Less Good 3
Doubtful 4
Bad 5

j. Ceiling
Filled with the effective ceiling nominal of the provision of funds facility.

k. Debit Balance
Filled with the remaining debit balance of the provision of funds facility.

This copy is in accordance with the original
Head of Legal Development Directorate
Legal Department signed.
Aat Windradi

B. KPBLN WORK PLAN
The KPBLN work plan is in accordance with the Financial Services Authority Regulation regarding general banks. The document is uploaded in portable document format (.pdf) which can be processed further.

Established in Jakarta on 28 November 2025
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,
DIAN EDIANA RAE signed.

APPENDIX III
FINANCIAL SERVICES AUTHORITY CIRCULAR
REPUBLIC OF INDONESIA
NUMBER 31/SEOJK.03/2025
CONCERNING
CONVENTIONAL GENERAL BANK REPORTING VIA THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

GUIDELINES FOR DRAFTING INCIDENTAL REPORTS
OF GENERAL BANKS (BUK) AND FOREIGN BANK BRANCHES (KPBLN)

CHAPTER I
GENERAL EXPLANATION

Reporting Purpose
The Incidental Reports of General Banks (BUK) and Foreign Bank Branches (KPBLN) drafted according to the systematics in this guideline are intended to fulfill the obligations of BUK and KPBLN regarding Reports that must be submitted to the Financial Services Authority in accordance with applicable regulations.
Report Drafting
BUK and KPBLN prepare data and/or information to draft Incidental Reports. Each Incidental Report consists of 2 (two) forms filled with details as follows:

No. Form Form Name

01.00 Main Information
02.00 Supporting Documents

BUK and KPBLN draft Incidental Reports in text file (.txt) format for Form 01.00 – Main Information and portable document format (.pdf) for Form 02.00 – Supporting Documents.

Report Submission
a. BUK and KPBLN submit Incidental Reports via APOLO in accordance with obligations regulated in banking sector regulations. b. BUK and KPBLN may submit Incidental Reports in a single submission for different Incidental Reports, different event dates, and more than 1 (one) line for each type of Incidental Report.
c. For each 1 (one) Incidental Report and 1 (one) event date, BUK and KPBLN submit 1 (one) portable document format (.pdf) document on Form 02.00 – Supporting Documents.
d. BUK and KPBLN may submit Incidental Reports at any time (no periodic reporting schedule) via APOLO in accordance with:

the time limit regulated in banking sector regulations;
letters submitted by the Financial Services Authority.
e. In the event of data and/or information errors in previously submitted Incidental Reports, BUK and KPBLN submit Incidental Report corrections after:
the submission deadline for Incidental Reports has ended; and
BUK and KPBLN receive notification from the Financial Services Authority (accompanied by a correction letter number).

Incidental Reports include:
a. net stable funding ratio work papers and net stable funding ratio Reports – BUK individually, for BUK having a net stable funding ratio less than 100% (one hundred percent); and b. net stable funding ratio work papers and net stable funding ratio Reports – BUK consolidated, for BUK having a net stable funding ratio less than 100% (one hundred percent), submitted via APOLO in the periodic reporting module for net stable funding ratio for BUK net stable funding ratio data positions less than 100% (one hundred percent).

CHAPTER II
EXPLANATION OF INCIDENTAL REPORT FORMS
A. Format of Form 01.00 – Main Information

Form 01.00
MAIN INFORMATION
1 2 3 4 5 6 7 8
Report Code
Event Date
OJK Decision Letter Number
OJK Decision Letter Date
Notary/Government Region Deed Number
Notary/Government Region Deed Date
Competent Authority Approval Number
Competent Authority Approval Date

Form 01.00
MAIN INFORMATION
9 10 11 12 13 14
Effective/Start Date
Main Party/Shareholder Name
NIK/NPWP
Position
Product Type and/or Activity
Product Name and/or Activity

Form 01.00
MAIN INFORMATION
15 16 17 18 19 20 21
Office Type
Address
New/Temporary Address
Date of Completion
Violation/Dangerous Condition/Special Condition Reason/Description PJTI Name/Participating Party

Form 01.00
MAIN INFORMATION
22 23 24 25 26 27
Register/Reference
Improvement Step
Target Completion Time
Realization
Status
Supporting Document Status

B. Explanation of Form 01.00 – Main Information

Report Code
The code reported in this column is the Incidental Report code in accordance with the report submitted, referring to the following reference:

No. Code

PG001 Report on publication of information or material facts
PG002 Special report on internal audit findings
PG003 Supervision follow-up report
PG004
Report of the Board of Commissioners regarding findings:
a. violations of regulations in the financial, banking, and related business activities of BUK; and b. conditions or estimated conditions that may endanger the continuity of BUK business
PG005
Report in the event of conditions:
a. materiality reassessment results indicate that the IT service provider's performance is potentially not operating effectively; b. deterioration of IT service provision performance by the IT service provider that is potentially causing and/or resulting in significant impacts on BUK business and/or operations;
c. the IT service provider becomes insolvent, in the process of liquidation, or declared bankrupt by the court;
d. violations by the IT service provider regarding regulations on bank secrecy and/or customer personal data; e. conditions causing BUK to be unable to provide data required for supervision by the Financial Services Authority; and/or f. other conditions causing disruption or cessation of IT service provision from the IT service provider to BUK
PG006
IT incident report that has the potential and/or has caused significant losses and/or disrupted the smooth operation of BUK
PG007
Special report on director policies and/or decisions that, according to the director overseeing compliance functions, have deviated from regulations
PG008 IT strategic plan and its amendments

No. Code
9. PG009 Corporate plan of Indonesian Legal Entity Banks (Indonesian Banks) and its amendments
10. PG010 Corporate plan of Foreign Bank Branches (KPBLN) and its amendments
11. PG011 Action plan to adjust to the maximum share ownership limit
12. PG012 Action plan regarding exceeding capital participation limits
13. PG013
Action plan in the event that the debtor, which is a company for temporary capital participation, has not obtained cumulative profits
14. PG014 Action plan to resolve BMPK violations and/or exceeding BMPK
15. PG015
Action plan as a follow-up to the results of the BUK health level assessment by the Financial Services Authority
16. PG016 Action plan as a follow-up to the results of BUK self-assessment
17. PG017 Plan to fulfill capital surcharge for systemic BUK
18. PG018
Action plan of BUK under normal supervision experiencing difficulties endangering its business continuity if there are other actions to be taken besides those already included in the recovery action plan
19. PG019
Report on the realization of the implementation of the recovery action plan for BUK under normal supervision experiencing difficulties endangering its business continuity
20. PG020
Report on the implementation of the action plan to adjust to the maximum share ownership limit
21. PG021
Report on the implementation of the action plan to resolve BMPK violations and exceeding BMPK
22. PG022
Report on the realization of the implementation of the action plan if there are other actions taken besides those included in the recovery action plan for BUK under normal supervision experiencing difficulties endangering its business continuity
23. PG023
Report on the realization of the implementation of health improvement steps set by the Financial Services Authority for BUK under normal supervision experiencing difficulties endangering its business continuity
24. PG024
Report on the realization of the implementation of the action plan for BUK in health improvement if there are other actions to be taken besides those already included in the recovery action plan
25. PG025
Report on the realization of the implementation of health improvement steps set by the Financial Services Authority for BUK in health improvement

No. Code
26. PG026 Action plan for written orders
27. PG027 Report on the progress of implementing the action plan for written orders
28. PG028 Report on the fulfillment of written orders
29. PG029
Report on the implementation of the action plan to fulfill net stable funding ratio – BUK individually, for BUK having a net stable funding ratio less than 100% (one hundred percent)
30. PG030
Report on the implementation of the action plan to fulfill net stable funding ratio - BUK consolidated, for BUK having a net stable funding ratio less than 100% (one hundred percent)
31. PG031
Action plan of BUK in health improvement if there are other actions to be taken besides those already included in the recovery action plan
32. PG032 Report on the realization of the implementation of the recovery action plan for BUK in health improvement
33. PG033 Report of BUK in health improvement
34. PG034
Action plan to fulfill net stable funding ratio – BUK individually, for BUK having a net stable funding ratio less than 100% (one hundred percent)
35. PG035
Action plan to fulfill net stable funding ratio – BUK consolidated, for BUK having a net stable funding ratio less than 100% (one hundred percent)
36. KU001 Report on the implementation of business activities of KPBLN (related to the opening of KPBLN)
37. KU002 Report on the implementation of business activities of intermediary banks
38. KU003 Report on the implementation of banking business activities
39. KU004 Report on the implementation of business activities of Indonesian Banks
40. KU005 Report on changes to the plan for organizing BUK products
41. KU006
Report on activity implementation for BUK conducting activities as a credit enhancement provider, liquidity facility provider, servicer and/or custodian bank
42. KU007 Copy of banking synergy cooperation agreements including amendments
43. KU008
Report on the termination of banking synergy cooperation before the cooperation agreement period ends
44. KU009
Report on the plan to transfer financial assets or Sharia assets in asset securitization activities comprehensively

No. Code
45. KU010
Report on the implementation of the transfer of financial assets or Sharia assets in asset securitization activities comprehensively
46. KU011 Report on the evaluation of digital service provision
47. KL001 Report on the implementation of BUK merger or amalgamation
48. KL002 Report on the implementation of BUK takeover
49. KL003 Report on the implementation of BUK integration
50. KL004
Plan to change the business group structure related to BUK including the legal entity owner of BUK up to ultimate shareholders
51. KL005 Report on the change of legal entity form of the KPBLN head office
52. KL006 Report on the change of legal entity form of the KPBLN branch office
53. KL007 Proof of announcement of the change of legal entity form of the KPBLN branch office
54. KL008 Report on the change of the articles of association of Indonesian Banks
55. KL009
Closing balance sheet of Indonesian Banks audited by public accountants related to the revocation of the business license of Indonesian Banks
56. KL010 Information on the implementation of logo changes and proof of announcement of logo changes for Indonesian Banks
57. KL011 Proof of announcement of name changes for KPBLN
58. KL012 Information on the implementation of logo changes and proof of announcement of logo changes for KPBLN
59. KL013 Proof of announcement of name changes for Indonesian Banks
60. KL014
Report on the settlement of all rights and obligations of UUS regarding the revocation of the business license of UUS
61. KL015 Report on the appointment and dismissal of the head of the internal audit work unit
62. KL016 Report on the appointment of main parties of BUK
63. KL017
Report on the cancellation of the appointment of candidates for directors, candidates for commissioners, and/or candidates for Sharia supervisory board members who were not approved by the Financial Services Authority but have been appointed
64. KL018 Report on the temporary replacement of the director overseeing compliance functions
65. KL019
Report on the follow-up of the dismissal of main parties prohibited from becoming main parties of management and/or main parties of officials
66. KL020
Report on the dismissal, resignation, or death of members of the Board of Directors of KPBLN
67. KL021 Report on the appointment of members of the Board of Directors of KPBLN
68. KL022 Report on the dismissal, resignation, or death of members of the Board of Directors,

No. Code members of the Board of Commissioners, and/or Sharia supervisory board members of Indonesian Banks
69. KL023 Report on the appointment of KPBLN leaders
70. KL024 Report on the dismissal, resignation, or death of KPBLN leaders
71. KL025 Report on the address transfer of KPBLN
72. KL026 Report on the temporary change of office network
73. KL027 Report on the appointment of foreign workers as executive officials
74. KL029
Report on the transfer of share ownership for candidate controlling shareholders not approved by the Financial Services Authority but already holding BUK shares
75. KL030
Report on the purchase of shares that does not result in a change of control and is intended to be recorded in BUK ownership
76. KL031
Report on the transfer of share ownership for main parties prohibited from becoming controlling main parties or holding shares
77. KL032
Report on the progress of implementing the fulfillment of regulations for BUK to be taken over by parties who have become controlling shareholders in more than one bank
78. KL033
Information on changes in paid-up capital of Indonesian Banks caused by dividends distributed in the form of shares
79. KL034 Information on changes in the basic capital of Indonesian Banks
80. LL001
Minutes of the General Meeting of Shareholders other than parts of the licensing or reporting process in the Financial Services Authority Regulation regarding general banks
81. LL002 Divestment implementation plan
82. LL003 Report on cybersecurity test results based on scenarios
83. LL004 Report on review results by independent external parties
84. LL005
Report in the event that BUK decides to stop using IT service providers as a follow-up action to be taken to address problems
85. LL006
Report on the results of evaluation and audit of foreign financial product agency activities
86. LL999 Others

Event Date
The date reported in this column is the date of the event or occurrence that obligates BUK and KPBLN to submit a report or the date when BUK and KPBLN are required to submit a report in accordance with banking sector regulations.

Examples:
a. Bank “GPR” conducts activities as an originator. In accordance with the Financial Services Authority Regulation regarding prudential principles in asset securitization activities for general banks, BUK submits a report on the plan to transfer financial assets in asset securitization activities comprehensively at the latest 60 (sixty) days before the financial asset transfer agreement is signed. In this event, the event date is the date the financial asset transfer agreement is signed. b. Bank “LRC” makes changes to BUK paid-up capital caused by dividends distributed in the form of shares. In accordance with the Financial Services Authority Regulation regarding general banks, BUK submits a report at the latest 10 (ten) working days after the change is made. In this event, the event date is the date the change in paid-up capital is made.

No. Report Code Event Date

PG001 Date the material information or fact is found by BUK
PG002 Date the internal audit finding is found
PG003 Date according to the Financial Services Authority letter
PG004 Date the violation/dangerous condition is found
PG005 Date the condition is known by BUK
PG006 Date the IT incident is known
PG007 Date the deviation is known by the director overseeing compliance functions
PG008 Year of the work plan or date of the change in the IT strategic plan
PG009 Year of the corporate plan or date of the change in the corporate plan
PG010 Year of the corporate plan or date of the change in the KPBLN corporate plan
PG011
Date the obligation to adjust the maximum share ownership limit arises to obtain approval from the Financial Services Authority
PG012 Date the capital participation excess occurs
PG013 Date the 5 (five) year period for temporary capital participation ends
PG014
Filled with:
a. date the Financial Services Authority establishes the occurrence of BMPK violations; b. end of the reporting month when the condition causing BMPK excess occurs; and/or
c. date the new regulation causing BMPK excess takes effect
PG015 Date of the Financial Services Authority request

No. Report Code Event Date
16. PG016
End of June position month or end of December position month after the bank health level assessment
17. PG017 Date of the written notification from the Financial Services Authority
18. PG018
Date of other actions to be taken besides those already included in the recovery action plan
19. PG019
Date the bank under normal supervision is established as experiencing difficulties endangering its business continuity
20. PG020
Filled with:
a. date of the realization of the action plan; or b. date of realization according to the action plan stages
21. PG021 Date of the target completion time for the action plan
22. PG022
Date the bank under normal supervision is established as experiencing difficulties endangering its business continuity
23. PG023
Date the bank under normal supervision is established as experiencing difficulties endangering its business continuity
24. PG024
Date of other actions to be taken besides those already included in the recovery action plan
25. PG025 Date of the implementation of health improvement steps
26. PG026 According to the date set by the Financial Services Authority
27. PG027 According to the date set by the Financial Services Authority
28. PG028 Date the written order is fulfilled
29. PG029 Target completion time for the NSFR fulfillment action plan
30. PG030 Target completion time for the NSFR fulfillment action plan
31. PG031
Date of other actions to be taken besides those already included in the recovery action plan
32. PG032 Date of the realization of the implementation of the recovery action plan
33. PG033 Date the bank is established as a bank in health improvement
34. PG034 Date BUK faces conditions unable to fulfill NSFR
35. PG035 Date BUK faces conditions unable to fulfill NSFR
36. KU001 Date of operational activity implementation
37. KU002 Date of business activity implementation
38. KU003 Date of operational activity implementation
39. KU004 Date of operational activity implementation
40. KU005 Date the change is made

ATTACHMENT IV
OJK CIRCULAR OF THE REPUBLIC OF INDONESIA
NUMBER 31/SEOJK.03/2025
CONCERNING
CONVENTIONAL COMMERCIAL BANK REPORTING THROUGH THE OJK REPORTING SYSTEM

Code No.	Event Date Report
41. KU006	Date the agreement was signed
42. KU007	Filled with: a. date of cooperation agreement b. date of amendment to cooperation agreement
43. KU008	Effective date of termination of cooperation agreement
44. KU009	Date the agreement for transfer of financial assets or sharia assets was signed
45. KU010	Date the agreement for transfer of financial assets or sharia assets was signed
46. KU011	Date of implementation of digital services meeting new product criteria
47. KL001	Effective date of merger or consolidation
48. KL002	Effective date of acquisition
49. KL003	Effective date of integration
50. KL004	Date of change in business group structure
51. KL005	Date of ratification of legal entity change by local authority
52. KL006	Date of ratification of legal entity change by local authority
53. KL007	Date of announcement of change in legal entity form of KCBLN head office
54. KL008	Filled with: a. date of implementation of operational activities of BHI bank b. date of receipt of approval or notification of amendment to articles of association from the competent authority
55. KL009	Date of decision on revocation of business license from the Financial Services Authority
56. KL010	Effective date of change in BHI bank logo
57. KL011	Date of announcement of change in KCBLN name
58. KL012	Effective date of change in KCBLN logo
59. KL013	Date of announcement of change in BHI bank name
60. KL014	Date of completion of all rights and obligations
61. KL015	Date of appointment or dismissal of head of internal audit unit
62. KL016	Date of appointment of main party
63. KL017	Date the GMS cancelled the appointment
64. KL018	Date the acting temporary officer effectively commenced duties
65. KL019	Filled with: a. date of GMS for dismissal of main management party b. date of dismissal of main official party
66. KL020	Date of dismissal letter, resignation, or declared deceased
Code No.	Event Date Report
:---	:---
67. KL021	Effective date of appointment
68. KL022	Date of dismissal letter, resignation, or declared deceased
69. KL023	Effective date of appointment
70. KL024	Date of dismissal letter, resignation, or declared deceased
71. KL025	Effective date of relocation of KPBLN address
72. KL026	Filled with: a. date of temporary relocation for Report on temporary relocation of BHI bank office network address or Report on temporary relocation of KCBLN office network address b. date of temporary closure for information on temporary closure of BHI bank office other than head office or information on temporary closure of KCBLN office network other than KCBLN
73. KL027	Effective date of appointment
74. KL029	Filled with: a. in accordance with the provisions of laws and regulations related to the articles of association in each financial services institution. b. date the GMS approved the transfer of share ownership.
75. KL030	Date of minister's notification regarding amendment to articles of association
76. KL031	Date the GMS approved the transfer of share ownership
77. KL032	Date of BUK's approval of the plan to comply with provisions
78. KL033	Date of change in paid-up capital
79. KL034	Date of approval of amendment to articles of association from the competent authority
80. LL001	Date of GMS
81. LL002	Date of divestment plan
82. LL003	Date cyber security testing completed
83. LL004	End of June as review period
84. LL005	Date BUK ceased using IT service provider before the expiration of the agreement period
85. LL006	Date audit report completed
86. LL999	In accordance with applicable provisions

OJK Decree Number
This column reports the number of the decree or approval letter issued by the Financial Services Authority.
OJK Decree Date
This column reports the date the decree or approval letter was issued by the Financial Services Authority.
Notary/Local Government Deed Number
This column reports the notary deed number or the determination number issued by the Local Government.
Notary/Local Government Deed Date
This column reports the date the notary deed or determination was stipulated by the Local Government.
Approval Number from Authorized Institution
This column reports the approval number issued by the authorized institution.
Approval Date from Authorized Institution
This column reports the date the approval letter was issued by the authorized institution.
Effective Date/Start Date
This column reports the effective date or start date of the event or occurrence.
Name of Main Party or Shareholder
This column reports the full name of:
a. members of the board of directors, members of the board of commissioners, shareholders, or executive officials of the relevant BUK; or b. the head of the relevant KPBLN.
NIK/NPWP
This column reports the National Identity Number/KITAP/KITAS/Passport in case the reported party is an individual or the Taxpayer Identification Number in case the reported party is a legal entity.
Position
This column reports the position of the reported party according to the following reference:

No.	Code	Position
1.	01	President Director
2.	02	Director
3.	03	President Commissioner
4.	04	Commissioner
5.	05	Independent Commissioner
6.	06	Controlling Shareholder
7.	07	Shareholder
8.	08	Sharia Supervisory Board
9.	09	Executive Official
10.	10	Head of KPBLN
11.	99	Others

Type of Product and/or Activity
This column reports the code for the type of product and/or activity according to the following reference:

No.	Code	Type of Product and/or Activity
1.	01	Basic product
2.	02	Other basic products
3.	03	Advanced product based on information technology
4.	04	Advanced product related to the conduct of non-bank financial services institution activities or products or affecting risk profile assessment
5.	05	Advanced product requiring license and/or approval from other authorities
6.	06	Laku Pandai (branchless banking) activities
7.	99	Others

Name of Product and/or Activity
This column reports the name of the product and/or activity conducted.
Type of Office
This column reports the code for the type of office with the following reference:

No.	Code	Type of Office
1.	01	Head Office
2.	02	Regional Office
3.	03	Branch Office
4.	04	Sub-Branch Office
5.	05	Functional Office
6.	07	Representative Office of a Bank Domiciled Abroad
7.	08	Branch Office of a Bank Domiciled Abroad
8.	99	Others

Address
This column reports the address of the BUK and KPBLN before the change of BUK and KPBLN office address. The reported BUK and KPBLN office address includes street name and number, village/sub-district, district, city/regency, province, and postal code.
New/Temporary Address
This column reports the address of the BUK and KPBLN after the change of BUK and KPBLN office address, including if there is a temporary change of BUK and KPBLN office address. The reported BUK and KPBLN office address includes street name and number, village/sub-district, district, city/regency, province, and postal code.
Completion Date
This column reports the date the event or condition is declared completed.
Violation/Endangering Condition/Certain Condition
This column reports the code for the type of violation/endangering condition/certain condition with the following reference:

No.	Code	Violation/Endangering Condition/Certain Condition
1.	1	If there is a violation of statutory provisions
2.	2	Endangering condition, if there is a condition/situation that may endanger the business continuity of BUK and KPBLN
3.	3	If it meets numbers 1 and 2

Reason/Description
This column reports the reason or description for the implementation of certain activities/conditions/events at BUK and KPBLN.
Name of IT Service Provider/Synergizing Party
This column reports:
a. the name of the information technology service provider (PJTI) if BUK cooperates with a PJTI or is filled with “in-house” if information technology is managed independently; or b. the name of the party synergizing with BUK.
Register/Reference
This column reports the register code for commitment to an action plan or supervision follow-up in the form of a unique code in alphanumeric format for each reported commitment. Filling of the register code column is done as follows:
a. the register code must be unique, 1 (one) register code is used for 1 (one) action plan commitment or supervision follow-up; b. a register code that has been used for 1 (one) commitment may not be used for other commitments (no reuse/no recycle);
c. a register code that has been reported may not change (must be consistent) as long as the commitment is still recorded in the report or has not been completed; and
d. the register code may not contain characters other than numbers and/or letters.
Corrective Steps
This column reports the description of the steps or stages of the action plan or supervision follow-up which includes, among others:
a. things to be done in order to fulfill the action plan; and/or b. other important information in order to fulfill the action plan.
Target Completion Time
This column reports the target completion date of the action plan or supervision follow-up.
Realization
This column reports the description of the realization of the action plan or supervision follow-up which includes, among others:
a. things that have been done in order to fulfill the action plan; and/or b. other important information in order to fulfill the action plan.
Status
This column reports the code for the type of completion status for the action plan report and action plan realization with the following reference:

No.	Code	Status
1.	1	Completed
2.	2	Not yet completed

Supporting Document Status
This column reports the code for the type of presence or absence of information needed in supporting documents for report submission with the following reference:

No.	Code	Status
1.	1	Information needed in supporting documents is present
2.	2	No information needed in supporting documents

C. Explanation of Form 02.00 – Supporting Documents
BUK and KPBLN submit supporting documents in accordance with the documents required by statutory provisions and/or requested by the Financial Services Authority in the context of supervision follow-up or examination. For each 1 (one) type of Incidental Report, BUK and KPBLN prepare 1 (one) supporting document file in portable document format (.pdf) containing all documents required by statutory provisions and/or requests from the Financial Services Authority.

CHAPTER III
FILLING INCIDENTAL REPORTS
FORM 01.00 – MAIN INFORMATION

Form Completion
a. BUK and KPBLN submit Incidental Reports by filling in data and/or information in Form 01.00 – Main Information. The table below explains the columns in Form 01.00 – Main Information that are mandatory (marked V) to be filled in and supplemented with supporting documents by BUK and KPBLN. b. In the event of a new obligation to submit Incidental Reports after the issuance of the Financial Services Authority Circular concerning conventional commercial bank reporting through the Financial Services Authority reporting system, the filling of Form 01.00 – Main Information refers to the information conveyed by the Financial Services Authority through letters and/or publications on the reporting system at https://apolo.ojk.go.id or other addresses determined by the Financial Services Authority.
Column Description
Column names refer to Chapter II Explanation of Incidental Report Form

No	Report Name	Reporter	1	26
1.	Report on publication of material information or facts	BUK	V
2.	Special report on internal audit findings	BUK	V
3.	Supervision follow-up report	BUK/KPBLN	V
4.	Report of the board of commissioners on findings: 1) violations of laws and regulations in the financial, banking, and BUK business activities; and 2) conditions or estimated conditions that may endanger the continuity of BUK's business.	BUK	V
5.	Report in case of conditions under Article 32 of OJK Regulation No. 11/POJK.03/2022	BUK	V
6.	Report on IT incidents that potentially and/or have resulted in significant losses and/or disrupted BUK's operational smoothness	BUK	V
7.	Special report on policies and/or decisions of the board of directors which, according to the director overseeing the compliance function, have deviated from statutory provisions	BUK	V
8.	IT strategic plan and its amendments	BUK	V	V
9.	BHI corporate plan and its amendments	BUK	V	V
10.	KCBLN corporate plan and its amendments	BUK	V	V
11.	Action plan to adjust to maximum share ownership limits	BUK	V
12.	Action plan for exceeding capital participation limits	BUK	V
13.	Action plan in case the debtor, in the form of a company for temporary capital participation, has not yet obtained cumulative profit	BUK	V
14.	Action plan for resolving BMPK violations and/or exceeding BMPK	BUK	V
15.	Action plan as a follow-up to the results of the BUK health level assessment by the Financial Services Authority	BUK	V
16.	Action plan as a follow-up to BUK's own assessment results	BUK	V
17.	Plan for fulfilling capital surcharge for BUK	BUK	V
18.	BUK action plan under normal supervision experiencing difficulties endangering its business continuity if there are other actions to be taken besides those already included in the recovery action plan	BUK	V
19.	Report on the realization of the implementation of BUK's recovery action plan under normal supervision experiencing difficulties endangering its business continuity	BUK	V
20.	Report on the implementation of the action plan to adjust to maximum share ownership limits	BUK	V
21.	Report on the implementation of the action plan for resolving BMPK violations and exceeding BMPK	BUK	V
22.	Report on the realization of the implementation of the action plan if there are other actions taken besides those included in the recovery action plan for BUK under normal supervision experiencing difficulties endangering its business continuity	BUK	V
23.	Report on the realization of the implementation of rehabilitation measures stipulated by the Financial Services Authority for BUK under normal supervision experiencing difficulties endangering its business continuity	BUK	V
24.	Report on the realization of the implementation of BUK's action plan in rehabilitation if there are other actions to be taken besides those already included in the recovery action plan	BUK	V
25.	Report on the realization of the implementation of rehabilitation measures stipulated by the Financial Services Authority for BUK in rehabilitation	BUK	V
26.	Written order action plan	BUK	V
27.	Progress report on the implementation of the written order action plan	BUK	V
28.	Report on compliance with written order	BUK	V
29.	Report on the implementation of the action plan for individual NSFR-BUK compliance	BUK	V
30.	Report on the implementation of the action plan for consolidated NSFR-BUK compliance	BUK	V
31.	BUK action plan in rehabilitation if there are other actions to be taken besides those already included in the recovery action plan	BUK	V
32.	Report on the realization of the implementation of BUK's recovery action plan in rehabilitation	BUK	V
33.	BUK report in rehabilitation	BUK	V	V
34.	Action plan for individual NSFR-BUK compliance	BUK	V
35.	Action plan for consolidated NSFR-Bank compliance	BUK	V
36.	Report on the implementation of KCBLN business activities (related to KCBLN opening)	KCBLN	V
37.	Report on the implementation of intermediary bank business activities	BUK	V
38.	Report on the implementation of banking business activities	BUK	V
39.	Report on the implementation of BHI bank business activities	BUK	V
40.	Report on changes in BUK product implementation plan	BUK	V	V
41.	Report on the implementation of activities for BUK performing activities as credit enhancement provider, liquidity facility provider, servicer, and/or custodian bank	BUK	V	V
42.	Copy of banking synergy cooperation agreement including its amendments	BUK	V	V
43.	Report on termination of banking synergy cooperation before the expiration of the cooperation agreement period	BUK	V
44.	Report on the plan for transfer of financial assets or sharia assets in asset securitization activities in their entirety	BUK	V
45.	Report on the implementation of the transfer of financial assets or sharia assets in asset securitization activities in their entirety	BUK	V
46.	Report on evaluation of digital service implementation	BUK	V
47.	Report on the implementation of BUK merger or consolidation	BUK	V
48.	Report on the implementation of BUK acquisition	BUK	V
49.	Report on the implementation of BUK integration	BUK	V
50.	Plan for changes in business group structure related to BUK including the legal entity owners of BUK up to ultimate shareholders	BUK	V
51.	Report on changes in legal entity form of KPBLN head office	KPBLN	V
52.	Report on changes in legal entity form of KCBLN head office	KCBLN	V
53.	Proof of announcement of change in legal entity form of KCBLN head office	KCBLN	V
54.	Report on changes in BHI bank articles of association	BUK	V
55.	Closing balance sheet of BHI Bank audited by a public accountant related to the revocation of BHI bank business license	BUK	V
56.	Information on implementation and proof of announcement of BHI bank logo change	BUK	V
57.	Proof of announcement of KCBLN name change	KCBLN	V
58.	Information on implementation and proof of announcement of KCBLN logo change	KCBLN	V	V
59.	Proof of announcement of BHI bank name change	BUK	V
60.	Report on completion of all rights and obligations of Sharia Business Unit (UUS) upon revocation of UUS business license	BUK	V
61.	Report on appointment and dismissal of head of internal audit unit	BUK	V
62.	Report on appointment of BUK main party	BUK	V
63.	Report on cancellation of appointment of prospective members of the board of directors, prospective members of the board of commissioners and/or prospective members of the sharia supervisory board not approved by OJK but already appointed	BUK	V
64.	Report on temporary replacement of director overseeing compliance function	BUK	V
65.	Follow-up report on dismissal of main party prohibited from being main management party and/or main official party	BUK	V
66.	Report on dismissal, resignation, or death of KCBLN board of directors members	KCBLN	V
67.	Report on appointment of KCBLN board of directors members	KCBLN	V
68.	Report on dismissal, resignation, or death of BHI bank board of directors members and/or board of commissioners members and/or sharia supervisory board members	BUK	V
69.	Report on appointment of KPBLN head	KPBLN	V
70.	Report on dismissal, resignation, or death of KPBLN head	KPBLN	V
71.	Report on relocation of KPBLN address	KPBLN	V
72.	Report on temporary change of office network	BUK/KCBLN	V
73.	Report on appointment of foreign workers as executive officials	BUK	V
74.	Report on transfer of share ownership for prospective controlling shareholders not approved by the Financial Services Authority but already owning BUK shares	BUK	V
75.	Report on share purchase that does not result in change of control and is intended to be recorded in BUK ownership	BUK	V
76.	Report on transfer of share ownership for main party prohibited from being controlling main party or owning shares	BUK	V
77.	Progress report on compliance with provisions for BUK to be acquired by a party that has become a controlling shareholder in more than one bank	BUK	V
78.	Information on changes in BHI bank paid-up capital due to dividends distributed in the form of shares	BUK	V
79.	Information on changes in BHI bank authorized capital	BUK	V
80.	GMS minutes other than as part of the licensing or reporting process in OJK Regulation concerning commercial banks	BUK	V
81.	Divestment implementation plan	BUK	V
82.	Report on cyber security test results based on scenarios	BUK	V
83.	Report on independent external party review results	BUK	V
84.	Report in case BUK decides to cease using IT service provider as a follow-up action to address issues	BUK	V
85.	Report on evaluation and audit results of foreign financial product agency activities	BUK	V
86.	Others	BUK/KCBLN/KPBLN	V	V

This copy is in accordance with the original
Head of Legal Development Directorate
Legal Department
[signature]
Aat Windradi

Stipulated in Jakarta on November 28, 2025
CHIEF EXECUTIVE OF BANKING SUPERVISION
FINANCIAL SERVICES AUTHORITY
OF THE REPUBLIC OF INDONESIA,
DIAN EDIANA RAE
[signature]

Format A
APPLICATION LETTER FORMAT
FOR APPOINTMENT OF REPORTING RESPONSIBLE OFFICER

c. provide documents, data, and/or information that can be accounted for for reporting purposes;
d. perform data editing in the event of changes to Report data; e. perform verification/validation of Reports; f. ensure the consistency and correctness of reporting; and g. supervise the submission of Reports.

Thus, this request letter is submitted, for your attention, we thank you.

Sincerely,

Reporter Name
Reporter Code
Board of Directors of Bank/Board of Directors of Foreign Location Conventional Commercial Bank (KCBLN)/Leader of Foreign Location Representative Office (KPBLN)/Appointed Official) Bank/KCBLN/KPBLN ……… <Stamp> <Signature>
..................................
(Clear name of official*), position, signature, and wet seal) *) Address of the letter corresponds to the OJK office address ) Select one, adjusted according to the Reporting Legal Entity (LJK) *) The official signing the letter is the Board of Directors of the Bank, Board of Directors of KCBLN, leader of KPBLN, or an official authorized by the Board of Directors of the Bank.

Format B
FORMAT OF REQUEST LETTER FOR
CHANGE OF REPORTING RESPONSIBLE OFFICER
FINANCIAL SERVICES AUTHORITY ONLINE REPORTING APPLICATION (APOLO)

<Place>, <Date, Month, Year>
Number: ...........................
Attachment: ...........................
Subject: Request for Change of Reporting Responsible Officer Financial Services Authority Online Reporting Application (APOLO)

To:
Data and Statistics Management Department c.q. Head of Data Reporting Directorate <Address>*) Financial Services Authority (Otoritas Jasa Keuangan) Menara Radius Prawiro Building Jl. M.H. Thamrin No. 2, RT.2/RW.3, Gambir, Gambir District, Central Jakarta City, Special Capital Region of Jakarta 10110

Referring to Financial Services Authority Regulation Number 22 of 2025 concerning Reporting by Conventional Commercial Banks through the Financial Services Authority Reporting System, we hereby submit the changes to the list of reporting responsible officers appointed to perform administration and management of APOLO - Administrator Responsible Officer (ARO) user access rights internally as follows:

In relation to this matter, we hereby declare that:

Responsible for the use of granted access rights.
Use the APOLO application only for matters related to the submission of Reports of Conventional Commercial Banks/Branch Offices of Banks located Outside the Country/Representative Offices of Banks located Outside the Country*).
Responsible for the correctness of the data of the reporting responsible officer as referred to in this request letter.
The access rights of the appointed reporting responsible officer as referred to in this request letter will only be used by designated employees.
The appointed reporting responsible officer as referred to in this request letter will designate and manage access for implementing employees and/or officials covering functions for:
a. submitting Periodic Reports; b. submitting Incidental Reports;

No.
Password
LJK Code
LJK Name
Name of Responsible Officer
Position of Responsible Officer
Address of Responsible Officer
Electronic
National Identity Number
Mobile Phone Number
Access Rights
ARO Status
1.
Active/
Inactive
)
2.
Active/
Inactive
) etc.

This copy is consistent with the original
Head of Legal Development Directorate
Legal Department signed.
Aat Windradi

Thus, this request letter is submitted, for your attention and cooperation, we thank you.

Sincerely,

Reporter Name
Reporter Code
Board of Directors of Bank/Board of Directors of Foreign Location Conventional Commercial Bank (KCBLN)/Leader of Foreign Location Representative Office (KPBLN)/Appointed Official *) Bank/KCBLN/KPBLN ………… <Stamp> <Signature>
..................................
(Clear name of official), position, signature, and wet seal) *) Address of the letter corresponds to the OJK office address ) Select one ) Select one, adjusted according to the Reporting Legal Entity (LJK) ) The official signing the letter is the Board of Directors of the Bank, Board of Directors of KCBLN, leader of KPBLN, or an official authorized by the Board of Directors of the Bank.

Explanation:

Status "Active": for responsible officers who are still active or new responsible officers in APOLO.
Status "Inactive": for responsible officers who have been deleted from APOLO.

Determined in Jakarta on November 28, 2025
EXECUTIVE HEAD OF BANKING SUPERVISOR
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,
DIAN EDIANA RAE signed.

OJK Circular No. 31/SEOJK.03/2025 on Conventional Commercial Bank Reporting via the OJK Reporting System

OJK Circular No. 31/SEOJK.03/2025 on Conventional Commercial Bank Reporting via the OJK Reporting System

3. Periodic Reports

3.1. Periodic Reports BUK - Quarterly

3.2. Periodic Reports KPBLN - Quarterly

3.3. Periodic Reports BUK - Semi-Annual

3.4. Periodic Reports BUK - Annual

3.5. Periodic Reports KPBLN - Annual

4. Incidental Reports

Appendix I.B List of Incidental Reports

Article

4. Board of Commissioners' Report on Findings:

5. Report in the event of conditions:

6. IT Incident Report that has the potential and/or has resulted in significant losses and/or disrupted the smoothness of BUK's operations.

7. Special Report regarding policies and/or Board of Directors' decisions that, according to the director overseeing the compliance function, have deviated from regulations.

8. IT Strategic Plan and its amendments.

9. Corporate Plan of Indonesian Legal Entity Banks (BHI) and its amendments.

10. Corporate Plan of Representative Offices of Foreign Banks (KCBLN) and its amendments.

11. Action Plan to adjust to the maximum share ownership limit.

12. Action Plan for exceeding the equity participation limit.

13. Action Plan in the event that the debtor is a company where the temporary equity participation has not yet obtained cumulative profits.

14. Action Plan to resolve BMPK violations and/or exceeding BMPK.

15. Action Plan which is a follow-up to the results of the BUK health level assessment by the Financial Services Authority.

16. Action Plan which is a follow-up to the results of BUK's self-assessment.

17. Plan to fulfill capital surcharge for systemic BUK.

18. BUK Action Plan in normal supervision experiencing difficulties endangering its continuity if there are other actions to be taken other than those included in the recovery action plan.

19. Report on the implementation of the BUK recovery action plan in normal supervision experiencing difficulties endangering its continuity.

20. Report on the implementation of the action plan to adjust to the maximum share ownership limit.

21. Report on the implementation of the action plan to resolve BMPK violations and exceeding BMPK.

22. Report on the implementation of the action plan realization if there are other actions taken other than those included in the recovery action plan for BUK in normal supervision experiencing difficulties endangering its continuity.

23. Report on the implementation of health improvement steps set by the Financial Services Authority for BUK in normal supervision experiencing difficulties endangering its business continuity.

24. Report on the implementation of the BUK action plan in health improvement if there are other actions to be taken other than those included in the recovery action plan.

25. Report on the implementation of health improvement steps set by the Financial Services Authority for BUK in health improvement.

26. Action Plan for written orders.

27. Report on the progress of the implementation of the action plan for written orders.

28. Report on the fulfillment of written orders.

29. Report on the implementation of the action plan to fulfill the net stable funding ratio – BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

30. Report on the implementation of the action plan to fulfill the net stable funding ratio – BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

31. BUK Action Plan in health improvement if there are other actions to be taken other than those included in the recovery action plan.

32. Report on the implementation of the BUK recovery action plan in health improvement.

33. BUK Report in health improvement.

34. Action Plan to fulfill the net stable funding ratio – BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

35. Action Plan to fulfill the net stable funding ratio – BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

36. Net Stable Funding Ratio Working Paper and Net Stable Funding Ratio Report - BUK consolidated, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

37. Net Stable Funding Ratio Working Paper and Net Stable Funding Ratio Report - BUK individually, for BUKs having a net stable funding ratio of less than 100% (one hundred percent).

2. Group of Business Activity Information

3. Group of Institutional Information

001 SK/123/11/14 20140921 20140921

02052210990008 007 Group Head Credit in Jakarta Region 003

001 SK/456/06/16 20160610 20160610

02052210990008 006 Head of Credit Division 003

001 SK/789/04/18 20180410 20180410

02052210990008 006 Head of Operational Division 010

Lineage: In force

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