OJK Circular No. 33/SEOJK.03/2025 on Reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System

To:

The Board of Directors of Islamic Commercial Banks; and
The Board of Directors of Conventional Commercial Banks with Islamic Business Units,
At your place.

COPY

CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY REPUBLIC OF INDONESIA NUMBER 33/SEOJK.03/2025

REPORTING BY ISLAMIC COMMERCIAL BANKS AND ISLAMIC BUSINESS UNITS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

In view of the mandate of Financial Services Authority Regulation Number 22 of 2025 on Reporting by 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 Islamic commercial banks and Islamic business units in this Financial Services Authority Circular as follows:

I. GENERAL PROVISIONS

Islamic Commercial Banks, hereinafter abbreviated as BUS, are Banks that conduct business activities based on Sharia principles, which in their activities provide services in the payment transaction system.
Islamic Business Units, hereinafter abbreviated as UUS, are operational units of the head office of conventional commercial banks functioning as the parent office of offices or units conducting business activities based on Sharia principles, or operational units at the branch office of a Bank located abroad that conducts conventional business activities, functioning as the parent office of Sharia sub-branches and/or Sharia units.
Representative Offices of Banks Located Abroad, hereinafter abbreviated as KPBLN, are offices of banks that conduct business activities based on Sharia principles, are legal entities, and have their head office abroad, which act solely as intermediaries between Sharia-based legal entity banks with head offices abroad and their customers in Indonesia.
Reports are reports submitted by BUS, UUS, 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.
BUS, UUS, and KPBLN submit Reports electronically through the Financial Services Authority Reporting System.
The Financial Services Authority Reporting System in this Circular Letter is the OJK Online Reporting Application, hereinafter referred to as APOLO.
The obligation to submit Consolidated Reports by BUS applies only to BUS that exercise control over subsidiary companies. The criteria for control in Consolidated BUS Reports are:
a. for Reports related to the risk and capital information group in accordance with Financial Services Authority Regulations regarding the application of consolidated risk management for banks exercising control over subsidiary companies; or b. for Reports related to the financial information group referring to financial accounting standards regarding consolidated financial statements.
The preparation and submission of Reports are carried out when BUS, UUS, and KPBLN have obligations, meet criteria, and/or conduct specific activities in accordance with Financial Services Authority provisions.
BUS, UUS, and KPBLN that have obligations, meet criteria, and/or conduct specific activities as referred to in number 10, but do not have data or transactions related to the Periodic Report data position, must still submit tables without entries and/or filled with “NIL”.

Example 1:
A BUS that does not have data on violations or exceeding the Maximum Limit on Fund Disbursement (BMPD) in a certain period submits a Report with the entry “NIL” on the violation or BMPD exceeding Report.

Example 2:
A KPBLN that does not have data related to customers in Indonesia receiving financing or other fund provision facilities, and/or obtaining bank guarantees from the head office or branch office abroad in a certain period, must still submit a Report in the form of the Report header according to the regulated format.

For BUS that do not have data related to changes in the list of detailed related parties with the BUS in the Periodic Report data position, must still submit the Report on the list of detailed related parties with the BUS using the data position from the previous period.

Example:
A BUS submits a report on the list of detailed related parties semi-annually for the final position data of June and December. In 2028, BUS “ABC” has the following conditions:
a. In the first semester, there were changes to the list of detailed related parties of the BUS in March 2028, and a Report on changes to the list of detailed related parties for the first semester was submitted on July 31, 2028. b. In the second semester of 2028, there were no changes to the list of detailed related parties of the BUS.

Regarding the aforementioned conditions, BUS “ABC” submits a Report on changes to the list of detailed related parties for the second semester of 2028 using the data submitted by BUS “ABC” in the Report on changes to the list of detailed related parties for the first semester of 2028.

BUS, UUS, and KPBLN are deemed to have submitted a Report if it has passed server validation, evidenced by an acceptance receipt from APOLO.

II. PERIODIC REPORTS

BUS and UUS prepare and submit 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 operations 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 inseparable part of this Financial Services Authority Circular.
The preparation of Periodic Reports by BUS, UUS, and KPBLN refers to the Guidelines for the Preparation of Periodic Reports by BUS, UUS, and KPBLN as contained in Appendix II, which is an inseparable 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.
The types of Incidental Reports are in accordance with the List of Incidental Reports as contained in Appendix I, which is an inseparable part of this Financial Services Authority Circular.
Incidental Reports are submitted for the first time through APOLO starting January 1, 2026, for all Incidental Reports that must be reported with an effective event date as of January 1, 2026.
The preparation of Incidental Reports by BUS, UUS, and KPBLN refers to the Guidelines for the Preparation of Incidental Reports by BUS, UUS, and KPBLN as contained in Appendix III, which is an inseparable part of this Financial Services Authority Circular.
The imposition of administrative sanctions on Incidental Reports that are follow-ups to 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 on Reporting by Commercial Banks through the Financial Services Authority Reporting System.

Example:
Based on a Financial Services Authority examination, on November 1, 2028, the Financial Services Authority requested BUS “YPR” to follow up on the results of the examination by improving the know your customer standard operating procedures of BUS “YPR” and submitting a correction Report no later than November 30, 2028, to the Financial Services Authority after the correction steps were taken. BUS “YPR” has improved the standard operating procedures mentioned. Subsequently, BUS “YPR” submitted the correction Report as a supervision follow-up Report to the Financial Services Authority on December 4, 2028. BUS “YPR” is subject to an administrative sanction in the form of a fine of Rp2,000,000.00 (two million rupiah), namely Rp1,000,000.00 (one million rupiah) x 2 (two) working days.

IV. PREPARATION AND SUBMISSION OF REPORTS AND INQUIRIES

Submission of Reports and Inquiries
a. BUS, UUS, and KPBLN prepare and submit Reports in the form of encrypted and compressed process results to the Financial Services Authority. b. Inquiries 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 Officers
a. BUS, UUS, and KPBLN appoint reporting officers, including any changes, and submit the letter of appointment or change of the aforementioned reporting officers to the Financial Services Authority. b. Reporting officers have access rights to submit Reports through APOLO.
c. Reporting officers as administrator responsible officers (ARO) can:
1. appoint reporting execution officers as responsible officers (RO) by granting access rights to submit Reports; and
2. create, modify, or delete user IDs of ROs on APOLO.
  d. The letter of appointment of reporting officers as referred to in letter a is prepared by referring to Format A as contained in Appendix IV, which is an inseparable part of this Financial Services Authority Circular. e. The letter of change of reporting officers as referred to in letter a is prepared by referring to Format B as contained in Appendix IV, which is an inseparable part of this Financial Services Authority Circular. f. Letters of appointment and change of reporting officers are submitted by BUS, UUS, and KPBLN offline to the work unit implementing data and statistics management functions.

V. OTHER PROVISIONS

Submission for:
a. human resource education and training plans in bank business plans starting from 2027; and b. Reports on the realization of human resource education and training in bank business plan realizations starting from the first quarter position of 2027, as regulated in Financial Services Authority Circular Letter Number 14/SEOJK.03/2021 on Business Plans for Islamic Commercial Banks and Islamic Business Units, are carried out in accordance with Financial Services Authority Regulation Number 24 of 2022 on the Development of Human Resource Quality of Commercial Banks.

VI. TRANSITIONAL PROVISIONS

At the time this Financial Services Authority Circular Letter takes effect until the submission of the first Report based on this Financial Services Authority Circular Letter takes effect, BUS, UUS, and KPBLN continue to submit Reports in accordance with Financial Services Authority Circular Letter Number 27/SEOJK.03/2020 on Reporting by Islamic Commercial Banks and Islamic Business Units through the Financial Services Authority Reporting System.

VII. CLOSING

At the time this Financial Services Authority Circular Letter takes effect, Financial Services Authority Circular Letter Number 27/SEOJK.03/2020 on Reporting by Islamic Commercial Banks and Islamic Business Units through the Financial Services Authority Reporting System is repealed and declared invalid.
This Financial Services Authority Circular Letter takes effect on the date it is established.

Established in Jakarta on November 28, 2025

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

Signed,

This copy is consistent with the original
Director of Legal Development
Legal Department

Signed,
Aat Windradi

APPENDIX I
FINANCIAL SERVICES AUTHORITY CIRCULAR LETTER
REPUBLIC OF INDONESIA
NUMBER 33/SEOJK.03/2025
ON
REPORTING BY ISLAMIC COMMERCIAL BANKS AND ISLAMIC BUSINESS UNITS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

Appendix I.A List of Periodic Reports

Periodic Reports – Daily

No	Information Group	Reporter	Report Name	Legal Basis	Period	Deadline	First Submission Date	Data Position
1.	Financial	BUS	Daily liquidity monitoring Report	a. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	- end of the next working day	1 December 2026

Periodic Reports – Monthly

No	Information Group	Reporter	Report Name	Legal Basis	Period	Deadline
1.	Financial	BUS, UUS	Largest financing and funding Report	a. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	II on the 15th of the following month	30 November 2026
2.		BUS	Monthly financial publication and financial performance information Report	a. POJK Number 18 of 2025 on Transparency and Publication of Bank Reports<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	IV end of the following month	a. already reported for Monthly financial publication and financial performance information Report in accordance with SEOJK Number 10/SEOJK.03/2020 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports<br>b. 31 October 2026 for formats in accordance with SEOJK Number 32/SEOJK.03/2025 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports
3.	Risk and Capital	BUS	Minimum Capital Requirement (KPMM) and Risk-Weighted Assets (ATMR) Report - BUS individually	a. POJK Number 21/POJK.03/2014 on Minimum Capital Requirements for Islamic Commercial Banks<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	I on the 7th of the following month	already reported
4.		BUS, UUS	Liquidity Coverage Ratio Report - BUS and UUS individually	POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units	II on the 15th of the following month	31 December 2026
5.		BUS, UUS	Intraday liquidity Report	a. POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units<br>b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (Internal Liquidity Adequacy Assessment Process) for Islamic Commercial Banks	II on the 15th of the following month	a. 31 December 2028 for BUS with KBMI 3, KBMI 4, and foreign banks<br>b. 31 December 2030 for BUS with KBMI 1 and KBMI 2 other than foreign banks<br>c. for UUS, follows the first submission of the parent BUK
6.		BUS, UUS	Liquidity coverage ratio in significant foreign currency Report	a. POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units<br>b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (Internal Liquidity Adequacy Assessment Process) for Islamic Commercial Banks	II on the 15th of the following month	a. 31 December 2026 for BUS with KBMI 3, KBMI 4, and foreign banks<br>b. 31 December 2028 for BUS with KBMI 1 and KBMI 2 other than foreign banks<br>c. for UUS, follows the first submission of the parent BUK
7.		BUS, UUS	Funding profile Report	a. POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units<br>b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (Internal Liquidity Adequacy Assessment Process) for Islamic Commercial Banks	II on the 15th of the following month	a. 31 December 2026 for BUS with KBMI 3, KBMI 4, and foreign banks<br>b. 31 December 2028 for BUS with KBMI 1 and KBMI 2 other than foreign banks<br>c. for UUS, follows the first submission of the parent BUS
8.		BUS, UUS	Displaced commercial risk customers and profit-sharing smoothing strategy Report	a. POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units<br>b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (Internal Liquidity Adequacy Assessment Process) for Islamic Commercial Banks	II on the 15th of the following month	a. 31 December 2026 for BUS with KBMI 3, KBMI 4, and foreign banks<br>b. 31 December 2028 for BUS with KBMI 1 and KBMI 2 other than foreign banks<br>c. for UUS, follows the first submission of the parent BUK
9.		BUS	BMPD and large fund disbursement Report - BUS individually	POJK Number 26/POJK.03/2021 on Maximum Limit on Fund Disbursement and Large Fund Disbursement for Islamic Commercial Banks	II on the 15th of the following month	already reported
10.		BUS	Liquidity coverage ratio Report - BUS consolidated	POJK Number 20 of 2025 on Obligations to Fulfill Liquidity Coverage Ratio (Liquidity Coverage Ratio) and Net Stable Funding Ratio (Net Stable Funding Ratio) for Islamic Commercial Banks and Islamic Business Units	IV end of the following month	31 December 2026
11.	Basic Data	BUS, UUS	Office network data Report	a. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	I on the 7th of the following month	already reported

Periodic Reports – Quarterly

No	Information Group	Reporter	Report Name	Legal Basis	Period	Deadline	First Submission Date
1.	Financial	BUS, UUS	Financial publication and financial performance information Report quarterly position of the first, second, and third quarters - if not accompanied by a public accountant report in the context of audit and in the context of limited review or review	a. POJK Number 18 of 2025 on Transparency and Publication of Bank Reports<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	III	a. 30 April of the current year for the first quarter<br>b. 31 July of the current year for the second quarter<br>c. 31 October of the current year for the third quarter	a. already reported for Quarterly financial publication and financial performance information Report in accordance with SEOJK Number 10/SEOJK.03/2020 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports<br>b. 30 September 2026 for formats in accordance with SEOJK Number 32/SEOJK.03/2025 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports
2.		BUS, UUS	Business plan realization Report	a. POJK Number 5/POJK.03/2016 on Bank Business Plans<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	III	a. 30 April of the current year for the first quarter<br>b. 31 July of the current year for the second quarter<br>c. 31 October of the current year for the third quarter<br>d. 31 January of the following year for the fourth quarter	a. already reported for Business plan realization Report in accordance with SEOJK Number 14/SEOJK.03/2021 on Business Plans for Islamic Commercial Banks and Islamic Business Units<br>b. 30 June 2026 for formats as contained in Appendix II, which is an inseparable part of this Financial Services Authority Circular
3.		BUS, UUS	Financial publication and financial performance information Report quarterly position of the first, second, and third quarters - if accompanied by a public accountant report in the context of limited review or review	a. POJK Number 18 of 2025 on Transparency and Publication of Bank Reports<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System<br>c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the Financial Services Authority Reporting System	IV	a. 31 May of the current year for the first quarter<br>b. 31 August of the current year for the second quarter<br>c. 30 November of the current year for the third quarter	a. already reported for Quarterly financial publication and financial performance information Report in accordance with SEOJK Number 10/SEOJK.03/2020 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports<br>b. 30 September 2026 for formats in accordance with SEOJK Number 32/SEOJK.03/2025 on Transparency and Publication of Islamic Commercial Banks and Islamic Business Units Reports
4.		BUS, UUS	Financial publication and financial performance information Report quarterly position of the first, second, and third quarters - if accompanied by a public accountant report in the context of limited review or review	a. POJK Number 18 of 2025 on Transparency and Publication of Bank Reports<br>b. POJK Number 22 of 2025 on Reporting by Commercial Banks through the Financial Services Authority Reporting System	V	a. 30 June of the current year for the first quarter<br>b. 30 September of the current year	a. already reported for Quarterly financial publication and financial performance information Report

No Kelompok | Informasi | Pelapor | Nama Laporan | Dasar Ketentuan | Periode | Batas Waktu | Posisi Data Pertama Kali ---|---|---|---|---|---|---|---

				c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System for the second quarter			b. 30 September 2026 for formats in accordance with SEOJK Number 32/SEOJK.03/2025 on Transparency and Publication of Reports by Islamic Commercial Banks and Islamic Business Units
							c. 31 December of the current year for the third quarter	in accordance with SEOJK Number 10/SEOJK.03/2020 on Transparency and Publication of Reports by Islamic Commercial Banks and Islamic Business Units
							if accompanied by a public accountant's report for audit purposes
5.	BUS, UUS	Financial publication report and quarterly financial performance information	fourth quarter position	a. POJK Number 18 of 2025 on Transparency and Publication of Reports by Islamic Commercial Banks through the OJK Reporting System
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System in accordance with SEOJK Number 10/SEOJK.03/2020 on Transparency and Publication of Reports by Islamic Commercial Banks and Islamic Business Units		a. 31 March of the following year	a. already reported for the quarterly financial publication report and financial performance information
							b. 31 December 2026 for formats in accordance with SEOJK Number 32/SEOJK.03/2025 on Transparency and Publication of Reports by Islamic Commercial Banks and Islamic Business Units
---	---	---	---	---	---	---	---
6.	KPBLN	Report on customers in Indonesia receiving financing or other fund provision facilities, and/or obtaining bank guarantees from headquarters or branches outside Indonesia		POJK Number 16/POJK.03/2022 on Islamic Commercial Banks Abroad	I	7th of the following month	31 March 2026
7.	BUS	Leverage Ratio Fulfillment Obligation Report – BUS Individually		POJK Number 21 of 2025 on Leverage Ratio Fulfillment Obligation for Islamic Commercial Banks	I	a. 7 April of the current year for the first quarter
b. 7 July of the current year for the second quarter
c. 7 October of the current year for the third quarter
d. 7 January of the following year for the fourth quarter	31 December 2026
8.	BUS, UUS	Net Stable Funding Ratio worksheet and Net Stable Funding Ratio Report – BUS and UUS individually		POJK Number 20 of 2025 on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) Fulfillment Obligations for Islamic Commercial Banks and Islamic Business Units	II	a. 15 April of the current year for the first quarter
b. 15 July of the current year for the second quarter
c. 15 October of the current year for the third quarter
d. 15 January of the following year for the fourth quarter	31 December 2026
9.	BUS	Asset quality and PPKA formation report (consolidated)		POJK Number 38/POJK.03/2017 on Consolidated Risk Management Application for Banks Controlling Subsidiary Companies	III	a. 30 April of the current year for the first quarter
b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
e. 31 January of the following year for the fourth quarter	already reported
10.	BUS	Leverage Ratio Fulfillment Obligation Report – BUS (consolidated)		POJK Number 21 of 2025 on Leverage Ratio Fulfillment Obligation for Islamic Commercial Banks	III	a. 30 April of the current year for the first quarter
b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
d. 31 January of the following year for the fourth quarter	31 December 2026
11.	BUS	Minimum Capital Provision Obligation (KPMM) and Risk-Weighted Assets (ATMR) Report – BUS (consolidated)		a. POJK Number 21/POJK.03/2014 on Minimum Capital Provision Obligation for Islamic Commercial Banks
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System	III	a. 30 April of the current year for the first quarter
b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
d. 31 January of the following year for the fourth quarter	already reported
12.	BUS	Net Stable Funding Ratio worksheet and Net Stable Funding Ratio Report – BUS (consolidated)		POJK Number 20 of 2025 on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) Fulfillment Obligations for Islamic Commercial Banks and Islamic Business Units	III	a. 30 April of the current year for the first quarter
b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
d. 31 January of the following year for the fourth quarter	31 December 2026
13.	BUS	BMPD and Large Fund Disbursement Report – BUS (consolidated)		POJK Number 26/POJK.03/2021 on Maximum Fund Disbursement Limits and Large Fund Disbursement for Islamic Commercial Banks	III	a. 30 April of the current year for the first quarter
b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
d. 31 January of the following year for the fourth quarter	already reported
14.	BUS, UUS	Risk Profile Report – BUS and UUS individually		a. POJK Number 65/POJK.03/2016 on Risk Management Application for Islamic Commercial Banks and Islamic Business Units
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System	III	a. 30 April of the current year for the first quarter
c. 31 October of the current year for the third quarter	31 March 2026
15.	BUS, UUS	Survival Period Monitoring Report		a. POJK Number 20 of 2025 on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) Fulfillment Obligations for Islamic Commercial Banks and Islamic Business Units
b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (ILAAP) for Islamic Commercial Banks	III	a. 30 April of the current year for the first quarter b. 31 July of the current year for the second quarter
c. 31 October of the current year for the third quarter
d. 31 January of the following year for the fourth quarter	a. 31 December 2026 for BUS with KBMI 3, KBMI 4, and foreign banks b. 31 December 2028 for BUS with KBMI 1 and KBMI 2, excluding foreign banks
c. for UUS, follows the first submission by the parent BUK of the UUS
16.	BUS	Risk Profile Report – BUS (consolidated)		a. POJK Number 65/POJK.03/2016 on Risk Management Application for Islamic Commercial Banks and Islamic Business Units
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System	III	a. 30 April of the current year for the first quarter
c. 31 October of the current year for the third quarter	31 March 2026
17.	BUS	Development of Financial Inclusion Services Report		POJK Number 1/POJK.03/2022 on Financial Services Without Branches in the Context of Financial Inclusion	II	a. 15 April of the current year for the first quarter
b. 15 July of the current year for the second quarter
c. 15 October of the current year for the third quarter
d. 15 January of the following year for the fourth quarter	a. already reported for the development of financial inclusion services report in accordance with SEOJK Number 6/SEOJK.03/2015 on Financial Services Without Branches in the Context of Financial Inclusion by Banks b. 31 March 2026 for the format as stated in Appendix II which is an integral part of this OJK Circular

Periodic Reports – Semi-Annual

No Kelompok | Informasi | Pelapor | Nama Laporan | Dasar Ketentuan | Periode | Batas Waktu | Posisi Data Pertama Kali ---|---|---|---|---|---|---|---
| 1. | Keuangan | BUS, UUS | Business Plan Supervision Report | POJK Number 5/POJK.03/2016 on Bank Business Plans | II | a. 31 August of the current year for the first semester
b. End of February of the following year for the second semester | already reported
| 2. | Risiko dan Permodalan | BUS | Internal Audit Implementation and Key Results Report | POJK Number 1/POJK.03/2019 on Internal Audit Function Application on Islamic Commercial Banks | I | a. 31 July of the current year for the first semester
b. 31 January of the following year for the second semester | 30 June 2026
| 3. | | BUS, UUS | Self-Assessment Report on Bank Health Level – BUS and UUS individually | POJK Number 8/POJK.03/2014 on Assessment of Health Level of Islamic Commercial Banks and Islamic Business Units | I | a. 31 July of the current year for the first semester
b. 31 January of the following year for the second semester | 30 June 2026
| 4. | | BUS, UUS | Internal Liquidity Adequacy Assessment Process (ILAAP) Application Report | a. POJK Number 20 of 2025 on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) Fulfillment Obligations for Islamic Commercial Banks and Islamic Business Units
b. SEOJK Number 26/SEOJK.03/2025 on Internal Liquidity Adequacy Assessment Process (ILAAP) for Islamic Commercial Banks | I | a. 31 July of the current year for the first semester b. 31 January of the following year for the second semester | a. 31 December 2026 for BUS with KBMI 3, KBMI 4, and foreign banks b. 31 December 2028 for BUS with KBMI 1 and KBMI 2, excluding foreign banks
c. for UUS, follows the first submission by the parent BUK of the UUS
| 5. | | BUS | Compliance Report | POJK Number 46/POJK.03/2017 on Compliance Function Implementation for Islamic Commercial Banks | I | a. 31 July of the current year for the first semester
b. 31 January of the following year for the second semester | 30 June 2026
| 6. | | BUS | Self-Assessment Report on Bank Health Level – BUS (consolidated) | POJK Number 8/POJK.03/2014 on Assessment of Health Level of Islamic Commercial Banks and Islamic Business Units | II | a. 15 August of the current year for the first semester
b. 15 February of the following year for the second semester | 30 June 2026
| 7. | | BUS | Anti-Money Laundering and Counter-Terrorism Financing (APU PPT) Report | a. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System | II | a. 15 August of the current year for the first semester b. 15 February of the following year for the second semester | already reported
| 8. | | BUS, UUS | Sharia Supervisory Board Supervision Results Report | POJK Number 2 of 2024 on Sharia Governance Application for Islamic Commercial Banks and Islamic Business Units | III | a. 31 August of the current year for the first semester
b. End of February of the following year for the second semester | 30 June 2026
| 9. | | BUS | Related Party List Data Report | a. POJK Number 26/POJK.03/2021 on Maximum Fund Disbursement Limits and Large Fund Disbursement for Islamic Commercial Banks
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System | I | a. 31 July of the current year for the first semester
b. 31 January of the following year for the second semester | 30 June 2026
| 10. | | BUS | Indonesian Banking Human Resources Data Report | POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System | I | a. 31 July of the current year for the first semester
b. 31 January of the following year for the second semester | already reported

Periodic Reports – Annual

No Kelompok | Informasi | Pelapor | Nama Laporan | Dasar Ketentuan | Periode | Batas Waktu | Posisi Data Pertama Kali ---|---|---|---|---|---|---|---
| 1. | Keuangan | BUS, UUS | Bank Business Plan | POJK Number 5/POJK.03/2016 on Bank Business Plans | II | a. 30 November before the business plan year begins
b. In case of changes or adjustments to the business plan, the submission deadline for the Report is in accordance with POJK regarding bank business plans | a. already reported for the bank business plan in accordance with SEOJK Number 14/SEOJK.03/2021 on Business Plans for Islamic Commercial Banks and Islamic Business Units b. for data position Year 2027 for the format as stated in Appendix II which is an integral part of this OJK Circular
| 2. | | BUS | Annual Report on Financial Publication and Annual Financial Performance Information | a. POJK Number 18 of 2025 on Transparency and Publication of Reports by Islamic Commercial Banks through the OJK Reporting System
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System | V | 30 April of the following year | 31 December 2026
| 3. | | BUS | Group Business Unit Annual Report for BUS that are part of a business group | a. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System | V | 30 April of the following year | 31 December 2026
| 4. | | BUS | Recovery Action Plan Update Report | POJK Number 5 of 2024 on Determination of Supervisory Status and Handling of Problems for Islamic Commercial Banks | II | a. End of November for periodic updates of the recovery action plan; and/or
b. 1 (one) month after evaluation and stress testing of the recovery action plan based on specific conditions that will significantly affect the BUS | 31 December 2026

5.		KPBLN	KPBLN Work Plan	POJK Number 16/POJK.03/2022 on Islamic Commercial Banks Abroad	II	30 November before the year of the 2027 work plan
6.	Produk, aktivitas, dan kegiatan	BUS	Information Technology Development Plan	POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks	II	a. 30 November before the work plan year.
b. in case of changes to the information technology development plan, the submission deadline for the report is in accordance with POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks.	year 2027
7.		BUS	Current Status of Information Technology Management Report	a. POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks
b. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
c. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System	III	21 January of the following year	31 December 2026

Appendix I.B. Incidental Report List

Supervision Information Group

No Kelompok | Informasi | Pelapor | Nama Laporan | Dasar Ketentuan | Periode | Batas Waktu | Posisi Data Pertama Kali ---|---|---|---|---|---|---|---
| 1. | | BUS | Report on publication of information or material facts | POJK Number 18 of 2025 on Transparency and Publication of Reports by Islamic Commercial Banks Article 28 paragraph (2) | | a. no later than 2 (two) working days after the occurrence of information or material facts
b. for BUS that are issuers and/or public companies, submitted in accordance with POJK Number 45 of 2024 on Development and Strengthening of Issuers and Public Companies, namely as soon as possible when the BUS knows or should know of the information or material facts and no later than before the start of session I of trading time on the stock exchange on the next working day | |

2.		BUS	Special report on internal audit findings	POJK Number 1/POJK.03/2019 on Internal Audit Function Application on Islamic Commercial Banks Article 20 letter b		no later than 3 (three) working days after discovery
3.		BUS, UUS, KPBLN	Supervision Follow-up Report	a. POJK Number 22 of 2025 on Reporting by Islamic Commercial Banks through the OJK Reporting System
b. SEOJK regarding reporting by Islamic commercial banks and Islamic business units through the OJK Reporting System	N/A	based on the letter submitted
4.		BUS	Commissioners' Report on findings of:
a. violations of financial, banking, and related regulations regarding BUS business activities; and b. conditions or estimated conditions that may endanger the continuity of BUS business.	POJK Number 17 of 2023 on Governance Application for Islamic Commercial Banks Article 51		no later than 5 (five) working days from discovery:
a. violations of financial, banking, and related regulations regarding BUS business activities; and/or b. conditions or estimated conditions that may endanger the continuity of BUS business
5.		BUS	Report in case of conditions:
a. re-evaluation of materiality results show that the IT service provider's performance is potentially not running effectively; b. deterioration of IT service provision performance by the IT service provider that is potentially causing and/or resulting in significant impacts on BUS business activities 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 bank secrecy and/or customer personal data regulations; e. conditions causing the BUS to be unable to provide data required for OJK supervision; and/or f. other conditions causing disruption or cessation of IT service provision from the IT service provider to the BUS.	POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks Article 32 paragraph (2) letter a		no later than 3 (three) working days after the condition is known by the BUS
6.		BUS	IT Incident Report that has the potential and/or has caused significant losses and/or disrupted the smooth operation of the BUS	POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks Article 60 paragraph (1) letter b		no later than 5 (five) working days after the IT incident is known by the BUS
---	---	---	---	---	---	---	---
7.		BUS	Special report on director policies and/or decisions that the director overseeing the compliance function considers to deviate from regulations	POJK Number 46/POJK.03/2017 on Compliance Function Implementation for Islamic Commercial Banks Article 17 paragraph (5)		no later than 7 (seven) working days from when the director overseeing the compliance function knows of the deviation
8.		BUS	IT Strategic Plan and its changes	POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks Article 13 paragraph (1) and paragraph (3)		a. IT strategic plan submitted no later than the end of November of the year before the initial period of the IT strategic plan begins
b. in case of changes, the Report is submitted at any time in accordance with POJK Number 11/POJK.03/2022 on Information Technology Management by Islamic Commercial Banks
9.		BUS	Corporate Plan and its changes	POJK Number 16/POJK.03/2022 on Islamic Commercial Banks Article 7 paragraph (3) and Article 8 paragraph (3)		a. Corporate plan submitted no later than the end of November of the year before the initial period of the 5 (five) year corporate plan begins
b. in case of changes, the Report is submitted at any time in accordance with 16/POJK.03/2021 on Islamic Commercial Banks
10.		BUS	Action Plan to adjust to the maximum share ownership limit	POJK Number 56/POJK.03/2016 on Share Ownership of Islamic Commercial Banks Article 16 paragraph (2)		no later than 4 (four) months from the arising of the obligation to adjust to the maximum share ownership limit to obtain approval from the OJK
---	---	---	---	---	---	---	---
11.		BUS	Action Plan for exceeding capital participation limits	POJK Number 22 of 2022 on Capital Participation Activities by Islamic Commercial Banks Article 9 paragraph (3)		no later than the end of the fourth month since the occurrence of exceeding capital participation limits
12.		BUS	Action Plan in case the debtor, which is a temporary capital participation company, has not obtained cumulative profits	POJK Number 22 of 2022 on Capital Participation Activities by Islamic Commercial Banks Article 29 paragraph (2)		no later than 30 working days before the date the 5 (five) year temporary capital participation period ends
13.		BUS	Action Plan for resolving BMPD violations and/or exceeding BMPD limits	POJK Number 26/POJK.03/2021 on Maximum Fund Disbursement Limits and Large Fund Disbursement for Islamic Commercial Banks Article 54 paragraph (3)		no later than:
a. 1 (one) month since the OJK establishes that a BMPD violation has occurred; b. 1 (one) month after the end of the report month for BMPD exceeding as referred to in Article 53 paragraph (1) letter a, letter b, letter c, and/or letter d of POJK Number 26/POJK.03/2021 on Maximum Fund Disbursement Limits and Large Fund Disbursement for Islamic Commercial Banks

Maximum Fund Disbursement and Large Fund Disbursement for Islamic Commercial Banks; and/or
c. 3 (three) months from the implementation of the new regulation for exceeding the Maximum Fund Disbursement Limit (BMPD) as referred to in Article 53 paragraph (1) letter e of POJK Number 26/POJK.03/2021 concerning Maximum Fund Disbursement and Large Fund Disbursement for Islamic Commercial Banks

BUS, UUS
Action Plan which is a follow-up to the results of the assessment of the health level of BUS and UUS by the Financial Services Authority POJK Number 8/POJK.03/2014 concerning Assessment of the Health Level of Islamic Commercial Banks and Islamic Business Units
Article 13 paragraph (3) letter a
within a specific time limit determined by the Financial Services Authority
BUS, UUS
Action Plan which is a follow-up to the assessment of the health level of BUS and UUS based on the results of the self-assessment of BUS and UUS POJK Number 8/POJK.03/2014 concerning Assessment of the Health Level of Islamic Commercial Banks and Islamic Business Units
Article 13 paragraph (3) letter b
no later than:
a. August 15, for the assessment of the health level of BUS and UUS at the end of June; and b. February 15 for the assessment of the health level of BUS and UUS at the end of December
BUS
Action Plan for BUS in the systemic capital surcharge fulfillment POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 12 paragraph (1)
no later than 14 (fourteen) working days from the written notification from the Financial Services Authority
BUS
Action Plan for BUS in normal supervision experiencing difficulties that endanger the continuity of its business if there are other actions to be taken besides those already included in the recovery action plan POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems N/A based on the letter submitted by the Financial Services Authority
BUS
Report on the implementation of the recovery action plan for BUS in normal supervision experiencing difficulties that endanger the continuity of its business POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS
Report on the implementation of the action plan to adjust to the maximum share ownership limit POJK Number 56/POJK.03/2016 concerning Share Ownership of Islamic Commercial Banks
Article 16 paragraph (4)
no later than 10 (ten) working days from the realization of the action plan or in accordance with the stages of the action plan
BUS
Report on the implementation of the action plan to resolve BMPD violations and BMPD exceedances POJK Number 26/POJK.03/2021 concerning Maximum Fund Disbursement and Large Fund Disbursement for Islamic Commercial Banks
Article 59 paragraph (1)
no later than 7 (seven) working days after the target time for resolving the action plan
BUS
Report on the implementation of the action plan if there are other actions taken besides those contained in the recovery action plan for BUS in normal supervision experiencing difficulties that endanger the continuity of its business POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS
Report on the implementation of the rehabilitation steps determined by the Financial Services Authority for BUS in normal supervision experiencing difficulties that endanger the continuity of its business POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS
Report on the implementation of the action plan for BUS in rehabilitation if there are other actions to be taken besides those already included in the recovery action plan POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS
Report on the implementation of the rehabilitation steps determined by the Financial Services Authority for BUS in rehabilitation POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS, UUS
Action Plan for written orders
POJK Number 31 of 2024 concerning Written Orders
Article 7 paragraph (1) letter a
based on the letter submitted by the Financial Services Authority
BUS, UUS
Progress report on the implementation of the action plan for written orders POJK Number 31 of 2024 concerning Written Orders
Article 7 paragraph (1) letter b and paragraph (2)
based on the letter submitted by the Financial Services Authority
BUS, UUS
Report on the fulfillment of written orders
POJK Number 31 of 2024 concerning Written Orders
Article 8
no later than 2 (two) working days after the fulfillment of the written order
BUS, UUS
Report on the implementation of the action plan for Net Stable Funding Ratio (NSFR) fulfillment - BUS and UUS individually, for BUS and UUS that are unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 28 paragraph (1)
no later than 10 (ten) working days after the target time for resolving the action plan for NSFR fulfillment
BUS
Report on the implementation of the action plan for NSFR fulfillment - BUS consolidated, for BUS that is unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 28 paragraph (1)
no later than 10 (ten) working days after the target time for resolving the action plan for NSFR fulfillment
BUS
Action Plan for BUS in rehabilitation if there are other actions to be taken besides those already included in the recovery action plan POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems N/A based on the letter submitted by the Financial Services Authority
BUS
Report on the implementation of the recovery action plan for BUS in rehabilitation POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 68 paragraph (7)
no later than the seventh working day of the following month
BUS
BUS report in rehabilitation
POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 75 paragraph (2)
no later than 3 (three) working days from the date the bank is designated as BUS in rehabilitation
BUS, UUS
Action Plan for NSFR fulfillment - BUS and UUS individually, for BUS and UUS that are unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 27 paragraph (3)
no later than the end of the following month from the date BUS and UUS are unable to fulfill the NSFR in accordance with the stages
BUS
Action Plan for NSFR fulfillment - BUS consolidated, for BUS that is unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 27 paragraph (3)
no later than the end of the following month from the date BUS is unable to fulfill the NSFR in accordance with the stages
BUS
NSFR worksheet and NSFR report - BUS consolidated, for BUS that is unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 27 paragraph (3)
no later than the end of the following month from the date BUS is unable to fulfill the NSFR in accordance with the stages
BUS, UUS
NSFR worksheet and NSFR report - BUS and UUS individually, for BUS and UUS that are unable to fulfill the NSFR in accordance with the stages POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units
Article 27 paragraph (3)
no later than the end of the following month from the date BUS and UUS are unable to fulfill the NSFR in accordance with the stages
BUS, UUS
Individual Liquidity Coverage Ratio (LCR) fulfillment report, in the event that BUS and UUS are unable and/or potentially unable to fulfill the LCR in accordance with the stages a. POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units b. SEOJK concerning reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System N/A a. no later than 3 (three) working days after the date BUS is unable and/or potentially unable to fulfill the LCR b. no later than 10 (ten) working days after the date UUS is unable and/or potentially unable to fulfill the LCR
BUS
Consolidated LCR fulfillment report, in the event that BUS is unable and/or potentially unable to fulfill the LCR in accordance with the stages a. POJK Number 20 of 2025 concerning Obligations to Fulfill Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) for Islamic Commercial Banks and Islamic Business Units b. SEOJK concerning reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System N/A no later than 3 (three) working days after the date BUS is unable and/or potentially unable to fulfill the LCR
BUS
Action Plan for Leverage Ratio fulfillment - BUS individually POJK Number 21 of 2025 concerning Obligations to Fulfill the Leverage Ratio for Islamic Commercial Banks
Article 11 paragraph (3)
no later than the end of the following month from the date BUS is unable to fulfill the leverage ratio in accordance with regulations
BUS
Action Plan for Leverage Ratio fulfillment - BUS consolidated POJK Number 21 of 2025 concerning Obligations to Fulfill the Leverage Ratio for Islamic Commercial Banks
Article 11 paragraph (3)
no later than the end of the following month from the date BUS is unable to fulfill the leverage ratio in accordance with regulations
BUS
Realization of the action plan for individual Leverage Ratio fulfillment POJK Number 21 of 2025 concerning Obligations to Fulfill the Leverage Ratio for Islamic Commercial Banks
Article 12 paragraph (1)
no later than 10 (ten) working days after the target time for resolving the action plan
BUS
Realization of the action plan for consolidated Leverage Ratio fulfillment POJK Number 21 of 2025 concerning Obligations to Fulfill the Leverage Ratio for Islamic Commercial Banks
Article 12 paragraph (1)
no later than 10 (ten) working days after the target time for resolving the action plan
BUS, UUS
Report on significant Shariah principle violations a. POJK Number 2 of 2024 concerning the Application of Shariah Governance for Islamic Commercial Banks and Islamic Business Units b. POJK Number 22 of 2025 concerning Reporting by Islamic Commercial Banks via the OJK Reporting System
c. SEOJK concerning reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System
N/A no later than 5 (five) working days from the discovery of significant Shariah principle violations, including those that potentially affect the financial condition and/or reputation of the bank
Group of Business Activity Information
No Reporter Report Name Legal Basis Article Regulation Deadline
BUS
Report on the implementation of intermediary banking business activities POJK Number 5 of 2024 concerning Determination of Supervisory Status and Handling of Islamic Commercial Bank Problems
Article 109 paragraph (2)
no later than 10 (ten) working days after the date of implementation of the business activity
BUS
Report on the implementation of banking business activities POJK Number 41/POJK.03/2019 concerning Mergers, Consolidations, Takeovers, Integrations, and Conversions of Islamic Commercial Banks
Article 69 paragraph (6)
no later than 10 (ten) working days after the date of implementation of operational activities
BUS
Report on the implementation of BUS business activities POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 19 paragraph (2)
no later than 10 (ten) working days after the date of implementation of operational activities
BUS, UUS
Report on changes to the plan for the implementation of products by BUS and UUS POJK Number 13/POJK.03/2021 concerning the Implementation of Islamic Commercial Bank Products
Article 19 paragraph (2)
no later than the end of March, June, and September of the current year
BUS
Report on the implementation of activities for BUS that conduct activities as credit enhancement providers, liquidity facility providers, servicers, and/or custodian banks POJK Number 11/POJK.03/2019 concerning Prudential Principles in Asset Securitization Activities for Islamic Commercial Banks
Article 14 paragraph (2)
no later than 7 (seven) working days after the agreement is signed
BUS
Copy of banking synergy cooperation agreements and DPS opinions, including amendments, if any POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 135 paragraph (2) and (3)
no later than:
a. 5 (five) working days from the date of the cooperation agreement; and b. 5 (five) working days from the date of the amendment to the cooperation agreement
BUS
Report on the termination of banking synergy cooperation before the cooperation agreement period expires POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 135 paragraph (4)
no later than 30 (thirty) working days before the effective date of the termination of the cooperation agreement
BUS
Report on the plan to transfer financial assets or Shariah assets in asset securitization activities comprehensively POJK Number 11/POJK.03/2019 concerning Prudential Principles in Asset Securitization Activities for Islamic Commercial Banks
Article 14 paragraph (1) letter a
no later than 60 (sixty) days before the Shariah asset transfer agreement is signed
BUS
Report on the implementation of the transfer of financial assets or Shariah assets in asset securitization activities comprehensively POJK Number 11/POJK.03/2019 concerning Prudential Principles in Asset Securitization Activities for Islamic Commercial Banks
Article 14 paragraph (1) letter b
no later than 7 (seven) working days after the Shariah asset transfer agreement is signed
BUS
Report on the evaluation of digital service implementation POJK Number 21 of 2023 concerning Digital Services by Islamic Commercial Banks
Article 32 paragraph (2)
no later than 3 (three) months after the implementation of digital services that meet the criteria for new products
Group of Institutional Information
No Reporter Report Name Legal Basis Article Regulation Deadline
BUS
Report on the implementation of BUS mergers or consolidations POJK Number 41/POJK.03/2019 concerning Mergers, Consolidations, Takeovers, Integrations, and Conversions of Islamic Commercial Banks
Article 21 letter d
no later than 5 (five) working days after the date the merger or consolidation becomes effective
BUS
Report on the implementation of BUS takeovers
POJK Number 41/POJK.03/2019 concerning Mergers, Consolidations, Takeovers, Integrations, and Conversions of Islamic Commercial Banks
Article 38 letter b
no later than 5 (five) working days after the date the takeover becomes effective
BUS
Report on the implementation of BUS integrations POJK Number 41/POJK.03/2019 concerning Mergers, Consolidations, Takeovers, Integrations, and Conversions of Islamic Commercial Banks
Article 57 letter b number 4
no later than 5 (five) working days after the date the integration becomes effective
BUS
Plan for changes to the business group structure related to BUS, including the legal entity owning BUS up to ultimate shareholders POJK Number 27/POJK.03/2016 concerning Competency and Propriety Assessment for Key Parties of Financial Service Institutions
Article 30 paragraph (1)
no later than 1 (one) month before the change occurs
KPBLN
Report on changes to the legal entity form of the KPBLN headquarters POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 116 paragraph (1)
no later than 30 (thirty) working days after the date of approval of the legal entity change by the relevant state authority
BUS
Report on changes to the BUS Articles of Association POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 108 paragraph (2)
no later than 10 (ten) working days after the date of implementation of operational activities
BUS
Report on the closing financial position of BUS that has been audited by a public accountant regarding the revocation of the BUS business license POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 130 paragraph (1)
no later than 10 (ten) working days from the date of the business license revocation decision from the Financial Services Authority
BUS, UUS
Information on the implementation of logo changes and proof of announcement of logo changes for BUS and UUS a. POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks b. POJK Number 12 of 2023 concerning Islamic Business Units
Article 107 paragraph (3) for BUS
Article 57 paragraph (3) for UUS
no later than 10 (ten) working days from the date the logo change becomes effective
BUS, UUS
Proof of announcement of name changes for BUS and UUS a. POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks b. POJK Number 12 of 2023 concerning Islamic Business Units
Article 106 paragraph (6) for BUS
Article 56 paragraph (4) for UUS
no later than 10 (ten) working days from the date of the announcement
BUS
Report on the appointment or dismissal of the Head of the Internal Audit Work Unit POJK Number 1/POJK.03/2019 concerning the Implementation of the Internal Audit Function in Islamic Commercial Banks
Article 19 letter c
no later than 10 (ten) working days after the date of appointment or dismissal of the Head of the Internal Audit Work Unit
BUS
Report on the appointment of Key Parties of BUS POJK Number 27/POJK.03/2016 concerning Competency and Propriety Assessment for Key Parties of Financial Service Institutions
Article 25 paragraph (3)
no later than 7 (seven) working days after the appointment, in the event that there are no regulations regulating the reporting of changes to Key Parties
BUS
Report on the cancellation of the appointment of candidates for Directors, candidates for Commissioners, and/or candidates for Shariah Supervisory Board members that were not approved by the Financial Services Authority but have been appointed a. POJK Number 27/POJK.03/2016 concerning Competency and Propriety Assessment for Key Parties of Financial Service Institutions b. POJK Number 2 of 2024 concerning the Application of Shariah Governance for Islamic Commercial Banks and Islamic Business Units
Article 26 paragraph (3)
no later than 7 (seven) working days after the General Meeting of Shareholders (GMS) cancels the appointment of candidates for Directors, candidates for Commissioners, and/or candidates for Shariah Supervisory Board members, in the event that there are no regulations regulating the reporting of changes to Key Parties
BUS
Report on the temporary replacement of a Director who oversees the Compliance function POJK Number 46/POJK.03/2017 concerning the Implementation of the Compliance Function in Islamic Commercial Banks
Article 9 paragraph (7)
before the acting official effectively performs duties
BUS, UUS
Report on the follow-up of the dismissal of Key Parties who are prohibited from becoming Key Parties of management and/or Key Parties of officials POJK Number 34/POJK.01/2018 concerning Reassessment for Key Parties of Financial Service Institutions
Article 15 paragraph (3)
no later than 10 (ten) working days from:
a. the date of the GMS for the dismissal of management Key Parties; and/or b. the date of the dismissal of official Key Parties
BUS
Report on the dismissal, resignation, or death of Directors, Commissioners, and Shariah Supervisory Board members POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 57 paragraph (1) and Article 63 paragraph (1)
no later than 10 (ten) working days from the date of the dismissal letter, resignation, or declaration of death
KPBLN
Report on the appointment of the KPBLN leader
POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 64 paragraph (4)
no later than 10 (ten) working days after the date the appointment becomes effective
KPBLN
Report on the dismissal, resignation, or death of the KPBLN leader POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 65 paragraph (1)
no later than 10 (ten) working days from the date of the dismissal letter, resignation, or declaration of death
KPBLN
Report on the relocation of the KPBLN address
POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 115
no later than 10 (ten) working days after the date the relocation of the KPBLN address becomes effective
BUS, UUS, KPBLN
Report on temporary changes to the office network a. POJK Number 22 of 2025 concerning Reporting by Islamic Commercial Banks via the OJK Reporting System b. SEOJK concerning reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System N/A no later than at the time of the temporary change to the office network
BUS
Report on the appointment of foreign workers as executive officials POJK Number 37/POJK.03/2017 concerning the Utilization of Foreign Workers and Knowledge Transfer Programs in the Banking Sector
Article 20 paragraph (5)
no later than 10 (ten) working days after the date the appointment becomes effective
BUS
Report on the transfer of share ownership for prospective controlling shareholders not approved by the Financial Services Authority but who already hold BUS shares POJK Number 27/POJK.03/2016 concerning Competency and Propriety Assessment for Key Parties of Financial Service Institutions
Article 22 paragraph (3)
no later than 7 (seven) working days after the GMS approves the transfer of share ownership, in the event that there are no laws and regulations regulating the reporting of changes to the Articles of Association regarding changes in ownership
BUS
Report on the purchase of shares that does not result in a change of control and is intended to be recorded in BUS ownership POJK Number 41/POJK.03/2019 concerning Mergers, Consolidations, Takeovers, Integrations, and Conversions of Islamic Commercial Banks
Article 40 paragraph (2)
no later than 10 (ten) working days from the date of receipt of notification from the Ministry of Law regarding changes to the Articles of Association
BUS
Report on the transfer of share ownership for Key Parties who are prohibited from becoming controlling Key Parties or holding shares POJK Number 34/POJK.01/2018 concerning Reassessment for Key Parties of Financial Service Institutions
Article 12 paragraph (6)
no later than 10 (ten) working days after the General Meeting of Shareholders approves the transfer of share ownership
BUS
Progress report on the implementation of fulfillment of regulations for BUS that will be taken over by parties who have become shareholders POJK Number 39/POJK.03/2017 concerning Single Ownership in Indonesian Banking N/A submitted from time to time every quarter to the Financial Services Authority since the Bank's approval of the plan to fulfill regulations

No Reporter Report Name Legal Basis Article Regulation Deadline

Shareholders holding more than one bank
25. BUS Report on changes in paid-up capital of BUS caused by dividends distributed in the form of shares
POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 39 at most 10 (ten) working days after the change is made
26. BUS Information on changes in the basic capital of the Bank
POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 42 at most 10 (ten) working days after the date of approval of the change in the articles of association from the competent authority
27. BUS Report on the implementation of business activities based on Sharia principles (change of business activities of conventional Islamic commercial banks to BUS)
POJK Number 64/POJK.03/2016 concerning Change of Business Activities of Conventional Banks to Sharia Banks
Article 17 paragraph (4) at the latest 10 (ten) working days after the date of implementation of business activities
28. BUS Report on the implementation of business activities of BUS resulting from separation
POJK Number 12 of 2023 concerning Sharia Business Units
Article 75 paragraph (4) at most 7 (seven) working days after the date of implementation
29. BUS Report on the implementation of separation of Sharia business units for BUS receiving separation
POJK Number 12 of 2023 concerning Sharia Business Units
Article 81 paragraph (2) at most 7 (seven) working days after the date of implementation
30. UUS Implementation of Sharia business unit activities
POJK Number 12 of 2023 concerning Sharia Business Units
Article 7 paragraph (2) at most 10 (ten) working days after the date of implementation of business activities

Other Information Group

No Reporter Report Name Legal Basis Article Regulation Deadline

BUS Minutes of the General Meeting of Shareholders (GMS) other than part of the licensing or reporting process in Financial Services Authority Regulations concerning Islamic commercial banks
POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks
Article 141 paragraph (1)
a. at most 14 (fourteen) working days after the GMS is held, provided that the minutes of the GMS are not yet regulated as a document completeness requirement in POJK Number 16/POJK.03/2022 concerning Islamic Commercial Banks or other OJK regulations b. for BUS that are public companies, the submission period for the minutes of the GMS is in accordance with Financial Services Authority Regulations concerning the organization of GMS of public companies
BUS Divestment implementation plan
POJK Number 22 of 2022 concerning Capital Participation Activities by Commercial Banks
Article 23 paragraph (1) at most 7 (seven) working days before divestment is carried out

No Reporter Report Name Legal Basis Article Regulation Deadline
3. BUS Report on the results of cybersecurity testing based on scenarios
POJK Number 11/POJK.03/2022 concerning the Implementation of Information Technology by Commercial Banks
Article 25 paragraph (3) at most 10 (ten) working days after the cybersecurity testing is completed
4. BUS Report on the results of review by an independent external party
POJK Number 1/POJK.03/2019 concerning the Implementation of Internal Audit Functions in Commercial Banks
Article 21 paragraph (1)
letter d at the latest 2 (two) months after the review period ends
5. BUS Report in the event that BUS decides to stop using the IT service provider as follow-up to be taken to overcome problems
POJK Number 11/POJK.03/2022 concerning the Implementation of Information Technology by Commercial Banks
Article 32 paragraph (2)
letter c at most 3 (three) working days after BUS stops using the IT service provider before the end of the contract period
6. BUS,
UUS
Report on the results of external review on the implementation of Sharia governance POJK Number 2 of 2024 concerning the Implementation of Sharia Governance for Islamic Commercial Banks and Sharia Business Units
Article 40 paragraph (5) at the latest 2 (two) months after the external review period ends
7. BUS,
UUS,
Others a. POJK Number 22
Year 2025
N/A in accordance with regulations governing the submission of reports through APOLO

b. SEOJK regarding reporting of Islamic commercial banks and Sharia business units through the OJK reporting system

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

No Reporter Report Name Legal Basis Article Regulation Deadline KPBLN regarding Reporting of Commercial Banks through the Financial Services Authority Reporting System

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

APPENDIX II
CIRCULAR OF THE FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA
NUMBER 33/SEOJK.03/2025
CONCERNING
REPORTING BY ISLAMIC COMMERCIAL BANKS AND SHARIA BUSINESS UNITS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

GUIDELINES FOR COMPIILING PERIODIC REPORTS OF BUS, UUS, AND KPBLN

TABLE OF CONTENTS

CHAPTER I PERIODIC REPORTS OF BUS ..................................................................................5
I. FINANCIAL INFORMATION GROUP ........................................................................ 5
A. DAILY LIQUIDITY MONITORING REPORT ...................................................... 5
B. MONTHLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION
REPORT ...........................................................................................................14
C. LARGEST FINANCING AND FUNDING REPORT .......................................15
D. BUS BUSINESS PLAN REALIZATION REPORT ......................................................21
E. QUARTERLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION
REPORT .....................................................................................................38
F. BUS BUSINESS PLAN SUPERVISION REPORT ................................................39
G. BUS BUSINESS PLAN........................................................................................40
H. ANNUAL REPORT RELATED TO FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE
INFORMATION ........................................................................................................51
I. REPORTS OF BANKS THAT ARE PART OF THE BUSINESS GROUP .............52
II. RISK AND CAPITAL INFORMATION GROUP ...............................................53
A. MINIMUM CAPITAL REQUIREMENT (KPMM) AND RISK-WEIGHTED ASSETS (RWA) REPORT OF BUS ....................................................53
B. LIQUIDITY COVERAGE RATIO (LCR) REPORT OF BUS .............................................54
C. INTRADAY LIQUIDITY REPORT ......................................................................71
D. SIGNIFICANT FOREIGN CURRENCY LIQUIDITY COVERAGE RATIO REPORT..72
E. FUNDING PROFILE REPORT ..........................................................................73
F. DISPLACED COMMERCIAL RISK AND PROFIT SHARING STRATEGY REPORT
..........................................................................................................................74
G. BMPD REPORT AND LARGE FUNDING DISBURSEMENT .............................................75
H. LEVERAGE RATIO COMPLIANCE REPORT.................................76
I. NET STABLE FUNDING RATIO WORKSHEET AND NET STABLE
FUNDING RATIO REPORT..................................................................................................77
J. ASSET QUALITY REPORT AND PROVISION FORMATION - BUS ON A
CONSOLIDATED BASIS ..................................................................................................102
K. SURVIVAL PERIOD MONITORING REPORT........................................................103
L. RISK PROFILE REPORT .................................................................................104
M. INTERNAL AUDIT RESULTS IMPLEMENTATION AND KEY AUDIT FINDINGS REPORT ..............108
N. SELF-ASSESSMENT REPORT ON BANK HEALTH LEVEL ...........................................................................................111
O. COMPLIANCE REPORT .....................................................................................116
P. ANTI-MONEY LAUNDERING AND ANTI-TERRORISM FINANCING REPORT
(AML/CFT)..................................................................................................118
Q. INTERNAL LIQUIDITY ADEQUACY ASSESSMENT PROCESS
(ILAAP) IMPLEMENTATION REPORT..............................................................................................................123
R. SHARIA SUPERVISORY BOARD SUPERVISION RESULTS REPORT.........................124
S. RECOVERY ACTION PLAN UPDATE REPORT........................................125
III. PRODUCT, ACTIVITIES AND BUSINESS INFORMATION GROUP ..................126
A. REPORT ON THE DEVELOPMENT OF LAKU PANDAI IMPLEMENTATION .....................126
B. INFORMATION TECHNOLOGY DEVELOPMENT PLAN......................................146
C. CURRENT CONDITION REPORT ON INFORMATION TECHNOLOGY IMPLEMENTATION ....147
IV. KEY DATA INFORMATION GROUP ..................................................................148
A. OFFICE NETWORK DATA REPORT ................................................................148
B. REPORT ON THE DETAILED LIST OF RELATED PARTIES WITH THE BANK ...................................159
C. INDONESIAN BANKING HUMAN RESOURCES DATA REPORT ................173
CHAPTER II PERIODIC REPORTS OF SHARIA BUSINESS UNITS ................................................226
I. FINANCIAL INFORMATION GROUP...................................................................226
A. LARGEST FINANCING AND FUNDING REPORT .....................................226
B. UUS BUSINESS PLAN REALIZATION REPORT....................................................232
C. QUARTERLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION
REPORT ...................................................................................................232
D. UUS BUSINESS PLAN SUPERVISION REPORT ..............................................232
E. UUS BUSINESS PLAN .....................................................................................232
II. RISK AND CAPITAL INFORMATION GROUP..........................................239
A. LIQUIDITY COVERAGE RATIO (LCR) REPORT OF UUS ...........................................239
B. INTRADAY LIQUIDITY REPORT ....................................................................255
C. SIGNIFICANT FOREIGN CURRENCY LIQUIDITY COVERAGE RATIO REPORT256
D. FUNDING PROFILE REPORT ........................................................................257
E. DISPLACED COMMERCIAL RISK AND PROFIT SHARING STRATEGY REPORT
...............................................................................................................258

F. NET STABLE FUNDING RATIO WORKSHEET AND NET STABLE
FUNDING RATIO REPORT................................................................................................259
G. SURVIVAL PERIOD MONITORING REPORT .......................................................279
H. INTERNAL LIQUIDITY ADEQUACY ASSESSMENT PROCESS
(ILAAP) IMPLEMENTATION REPORT..............................................................................................................280
I. RISK PROFILE REPORT .................................................................................281
J. SELF-ASSESSMENT REPORT ON UUS HEALTH LEVEL .............................................................................................285
K. SHARIA SUPERVISORY BOARD SUPERVISION RESULTS REPORT.........................289
CHAPTER III PERIODIC REPORTS OF KPBLN .......................................................................290
I. FINANCIAL INFORMATION GROUP .....................................................................290
A. KPBLN REPORT RELATED TO CUSTOMERS IN INDONESIA RECEIVING FINANCING OR OTHER FUNDING PROVISION FACILITIES/GUARANTEES FROM
HEAD OFFICE OR BRANCHES ABROAD .....................290
B. KPBLN WORK PLAN..................................................................................295

CHAPTER I
PERIODIC REPORTS OF BUS
I. FINANCIAL INFORMATION GROUP
A. DAILY LIQUIDITY MONITORING REPORT
The Daily Liquidity Monitoring Report is a Report containing nominal information of several items and financial ratios that provide an overview of the liquidity position of the BUS.

Report Format
Daily Liquidity Monitoring Report
No Financial Items and Financial Ratios Rupiah Foreign Currency Total A. Financial Items
Deposits at Bank Indonesia
a. Main Rupiah GWM b. Macroprudential Intermediation Ratio GWM
c. Macroprudential Liquidity Buffer GWM
d. Other Deposit Liabilities e. Excess Reserve I 2 Excess Reserve II a. Sharia State Securities (SBSN) b. Sharia Bank Indonesia Certificates (SBIS)
c. Bank Indonesia Deposit Certificates (SDBI)
d. Other securities included in liquid instruments 3 Final Excess Reserve
Cash
Monetary Operations (MO)
a. Term Deposit (TD) Sharia OPT b. Reverse Repo Sharia OPT
c. Repo Sharia OPT -/-
d. Sharia Principle-based Liquidity Management by Bank Indonesia (PASBI) e. Deposit Facility - Bank Indonesia Sharia Deposit Facility f. Financing Facility -/-

Repo (SBIS & SBSN) -/-
Sharia Principle-based Liquidity Facility by Bank Indonesia (FLISBI) -/-

Total Liquid Instruments (LI)
Placements with Other Banks
Securities Held
a. Fair Value Through Profit or Loss b. Fair Value Through Other Comprehensive Income
c. Amortized Cost
Financing Provided
a. Working Capital b. Investment
c. Consumption
Drawdown Allowance - Financing Provided
Third-Party Funds (TPF)
a. Deposits on Call

Wadiah Contract
Mudarabah Contract - non profit sharing
b. Savings
Wadiah Contract
Mudarabah Contract – non profit sharing
c. Time Deposits
Time Deposits based on Sharia principles - Mudarabah Contract - non profit sharing

No Financial Items and Financial Ratios Rupiah Foreign Currency Total A. Financial Items
12. Liabilities to Other Banks
13. Securities Issued
a. Subordinated b. Others
14. Financing Received
a. Subordinated b. Others
15. Net Interbank (NAB)
16. Vostro
17. Nostro
18. Short-term Funding Facilities
19. GWM Violations
20. Fund Placements by Deposit Insurance Agency
21. Reserve
a. Primary Reserve b. Secondary Reserve
c. Tertiary Reserve
22. Remuneration Percentage (%)
a. Financing

Corporate Financing (%)
Retail Financing (%)
Micro Financing (%)
a) Mortgage (%) b) Non-Mortgage (%) b. Third-Party Funds
Savings
a) Highest Remuneration (%) b) Lowest Remuneration (%)
Deposits on Call
a) Highest Remuneration (%) b) Lowest Remuneration (%)
Time Deposits
a) Highest Remuneration (%) b) Lowest Remuneration (%) B. Financial Ratios 1 Financing to Deposit Ratio

Filling Guidelines
BUS fills 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 of the original currency converted to Rupiah using the exchange rate on the reporting day. 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 GWM
Filled with the Main Rupiah Gross Weighted Average (GWM) with GWM calculation in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. b) Macroprudential Intermediation Ratio GWM Filled with Macroprudential Intermediation Ratio GWM in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. c) Macroprudential Liquidity Buffer GWM Filled with Macroprudential Liquidity Buffer GWM in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. d) Other Deposit Liabilities Filled with other deposit liabilities other than Main Rupiah GWM, Macroprudential Intermediation Ratio GWM, and Macroprudential Liquidity Buffer GWM. e) Excess Reserve I Filled with the excess balance of the BUS Rupiah deposit account from Primary GWM and FDR GWM that must be maintained at Bank Indonesia in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units.
Excess Reserve II
a) Sharia State Securities (SBSN)
Filled with SBSN of repo and non-repo types owned by the BUS. b) Sharia Bank Indonesia Certificates (SBIS) Filled with SBIS of repo and non-repo types owned by the BUS. c) Bank Indonesia Deposit Certificates (SDBI) Filled with SDBI of repo and non-repo types owned by the BUS. d) Other securities included in liquid instruments Filled with other securities based on Sharia principles that are included in liquid instruments owned by the BUS.
Final Excess Reserve
Filled with the sum of the values of Excess Reserve I and Excess Reserve II.
Cash
Filled with the BUS cash.
Monetary Operations (MO)
Monetary Operations refer to regulations concerning monetary control, regulations concerning monetary operations, and regulations concerning standing facilities. a) Term Deposit (TD) Sharia OPT Filled with term deposit placements based on Sharia principles owned by the BUS at Bank Indonesia. b) Reverse Repo Sharia OPT Filled with SBSN with reverse repo nature owned by the BUS. c) Repo Sharia OPT -/- Filled with all SBSN and/or SukBI of repo type owned by the BUS. d) Sharia Principle-based Liquidity Management by Bank Indonesia (PASBI) Filled with fund provision based on Sharia principles from Bank Indonesia to the BUS for liquidity management with collateral in the form of securities that meet Sharia principles. e) Deposit Facility or Bank Indonesia Sharia Deposit Facility Filled with facilities provided by Bank Indonesia to the BUS to place its funds at Bank Indonesia in the context of Sharia open market operations. f) Financing Facility Financing Facility is a facility for BUS experiencing liquidity difficulties by re-pledging SBIS/SDBI/SBN owned by the BUS to Bank Indonesia. (1) Repo (SBIS & SBSN) Filled with SBIS and SBSN of repo type owned by the BUS. (2) Sharia Principle-based Liquidity Facility by Bank Indonesia (FLISBI) Filled with the nominal amount of fund provision based on Sharia principles from Bank Indonesia to the BUS with collateral in the form of securities that meet Sharia principles.
Total Liquid Instruments (LI)
a) Total liquid instruments include all components of current assets that are easily accessible and used by the BUS as a provider of cash funds in a short time. b) Filled with the total of Final Excess Reserve, Cash, and Monetary Operations.
Placements with Other Banks
Placements or deposits owned by the BUS at other banks, whether banks that carry out operational activities in Indonesia or outside Indonesia, including BUS placements at Sharia People's Economic Banks.
Securities Held
Securities held are all securities whether in rupiah or foreign currency that are purchased or owned by the BUS. a) Fair Value Through Profit or Loss Filled with securities owned by the BUS categorized as fair value through profit or loss. b) Fair Value Through Other Comprehensive Income Filled with securities owned by the BUS categorized as fair value through other comprehensive income. c) Amortized Cost Filled with securities owned by the BUS categorized as amortized cost.
Financing Provided
Financing is the provision of funds or claims that can be compared to it based on agreement or agreement between the BUS and other parties that obligates the financed party and/or given funding facilities to return the funds after a certain period with remuneration, without remuneration, or profit sharing, which includes profit sharing transactions, lease transactions, sales transactions, lending transactions, and service lease transactions in accordance with Sharia principles. Filled with the book value (sum of reporting months) of financing provided by the BUS to third parties non-bank positions on the day of report submission. a) Working Capital Filled with the amount of financing intended for working capital for the customer receiving the facility. b) Investment Filled with financing intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, relocation of business and/or establishment of new business. 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 (among others city transport and ojek). c) Consumption Filled with financing intended for consumption needs.
Drawdown Allowance - Financing Provided
Filled with the drawdown allowance of the BUS to third parties non-bank.
Third-Party Funds (TPF)
Third-Party Funds include funds obtained by the BUS from society in the form of call deposits, savings, and time deposits. a) Deposits on Call Filled with third-party funds with call deposit type with Wadiah contract and call deposit with Mudarabah contract – non profit sharing. b) Savings Filled with third-party funds with savings type with Wadiah contract and savings with Mudarabah contract – non profit sharing. c) Time Deposits Filled with third-party funds with time deposit type with Mudarabah contract – non profit sharing.
Liabilities to Other Banks
Liabilities of the BUS to other banks, whether carrying out operational activities in Indonesia or outside Indonesia, including people's economic banks and Sharia people's economic banks.
Securities Issued
Debt instruments issued by the BUS, including securities that meet the criteria as capital as referred to in regulations concerning banking that were originally reported in loan capital. a) Subordinated Filled with securities issued with subordinated type. b) Others Filled with other securities issued other than securities issued with subordinated type.
Financing Received
Financing received by the BUS includes financing that is considered as capital that was originally reported in loan capital, excluding managed funds and lease liabilities. a) Subordinated Filled with financing received with subordinated type with Mudarabah contract – non profit sharing and Mudarabah contract – profit sharing. b) Others Filled with other financing received with Mudarabah contract – non profit sharing and Mudarabah contract – profit sharing other than financing received with subordinated type.
Net Interbank (NAB)
Filled with the difference between the account of placements with other banks minus liabilities to other banks.
Vostro
a) Filled with BUS Vostro.

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

No Reporter Report Name Legal Basis Article Regulation Deadline KPBLN regarding Reporting of Commercial Banks through the Financial Services Authority Reporting System

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

GUIDELINES FOR COMPIILING PERIODIC REPORTS OF BUS, UUS, AND KPBLN

TABLE OF CONTENTS

Report Format
Daily Liquidity Monitoring Report
No Financial Items and Financial Ratios Rupiah Foreign Currency Total A. Financial Items
Deposits at Bank Indonesia
a. Main Rupiah GWM b. Macroprudential Intermediation Ratio GWM
c. Macroprudential Liquidity Buffer GWM
d. Other Deposit Liabilities e. Excess Reserve I 2 Excess Reserve II a. Sharia State Securities (SBSN) b. Sharia Bank Indonesia Certificates (SBIS)
c. Bank Indonesia Deposit Certificates (SDBI)
d. Other securities included in liquid instruments 3 Final Excess Reserve
Cash
Monetary Operations (MO)
a. Term Deposit (TD) Sharia OPT b. Reverse Repo Sharia OPT
c. Repo Sharia OPT -/-
d. Sharia Principle-based Liquidity Management by Bank Indonesia (PASBI) e. Deposit Facility - Bank Indonesia Sharia Deposit Facility f. Financing Facility -/-

Repo (SBIS & SBSN) -/-
Sharia Principle-based Liquidity Facility by Bank Indonesia (FLISBI) -/-

Total Liquid Instruments (LI)
Placements with Other Banks
Securities Held
a. Fair Value Through Profit or Loss b. Fair Value Through Other Comprehensive Income
c. Amortized Cost
Financing Provided
a. Working Capital b. Investment
c. Consumption
Drawdown Allowance - Financing Provided
Third-Party Funds (TPF)
a. Deposits on Call

Wadiah Contract
Mudarabah Contract - non profit sharing
b. Savings
Wadiah Contract
Mudarabah Contract – non profit sharing
c. Time Deposits
Time Deposits based on Sharia principles - Mudarabah Contract - non profit sharing

Corporate Financing (%)
Retail Financing (%)
Micro Financing (%)
a) Mortgage (%) b) Non-Mortgage (%) b. Third-Party Funds
Savings
a) Highest Remuneration (%) b) Lowest Remuneration (%)
Deposits on Call
a) Highest Remuneration (%) b) Lowest Remuneration (%)
Time Deposits
a) Highest Remuneration (%) b) Lowest Remuneration (%) B. Financial Ratios 1 Financing to Deposit Ratio

Filling Guidelines
BUS fills 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 of the original currency converted to Rupiah using the exchange rate on the reporting day. 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 GWM
Filled with the Main Rupiah Gross Weighted Average (GWM) with GWM calculation in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. b) Macroprudential Intermediation Ratio GWM Filled with Macroprudential Intermediation Ratio GWM in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. c) Macroprudential Liquidity Buffer GWM Filled with Macroprudential Liquidity Buffer GWM in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units. d) Other Deposit Liabilities Filled with other deposit liabilities other than Main Rupiah GWM, Macroprudential Intermediation Ratio GWM, and Macroprudential Liquidity Buffer GWM. e) Excess Reserve I Filled with the excess balance of the BUS Rupiah deposit account from Primary GWM and FDR GWM that must be maintained at Bank Indonesia in accordance with regulations concerning gross weighted average in rupiah and foreign currency for conventional commercial banks, Islamic commercial banks, and Sharia business units.
Excess Reserve II
a) Sharia State Securities (SBSN)
Filled with SBSN of repo and non-repo types owned by the BUS. b) Sharia Bank Indonesia Certificates (SBIS) Filled with SBIS of repo and non-repo types owned by the BUS. c) Bank Indonesia Deposit Certificates (SDBI) Filled with SDBI of repo and non-repo types owned by the BUS. d) Other securities included in liquid instruments Filled with other securities based on Sharia principles that are included in liquid instruments owned by the BUS.
Final Excess Reserve
Filled with the sum of the values of Excess Reserve I and Excess Reserve II.
Cash
Filled with the BUS cash.
Monetary Operations (MO)
Monetary Operations refer to regulations concerning monetary control, regulations concerning monetary operations, and regulations concerning standing facilities. a) Term Deposit (TD) Sharia OPT Filled with term deposit placements based on Sharia principles owned by the BUS at Bank Indonesia. b) Reverse Repo Sharia OPT Filled with SBSN with reverse repo nature owned by the BUS. c) Repo Sharia OPT -/- Filled with all SBSN and/or SukBI of repo type owned by the BUS. d) Sharia Principle-based Liquidity Management by Bank Indonesia (PASBI) Filled with fund provision based on Sharia principles from Bank Indonesia to the BUS for liquidity management with collateral in the form of securities that meet Sharia principles. e) Deposit Facility or Bank Indonesia Sharia Deposit Facility Filled with facilities provided by Bank Indonesia to the BUS to place its funds at Bank Indonesia in the context of Sharia open market operations. f) Financing Facility Financing Facility is a facility for BUS experiencing liquidity difficulties by re-pledging SBIS/SDBI/SBN owned by the BUS to Bank Indonesia. (1) Repo (SBIS & SBSN) Filled with SBIS and SBSN of repo type owned by the BUS. (2) Sharia Principle-based Liquidity Facility by Bank Indonesia (FLISBI) Filled with the nominal amount of fund provision based on Sharia principles from Bank Indonesia to the BUS with collateral in the form of securities that meet Sharia principles.
Total Liquid Instruments (LI)
a) Total liquid instruments include all components of current assets that are easily accessible and used by the BUS as a provider of cash funds in a short time. b) Filled with the total of Final Excess Reserve, Cash, and Monetary Operations.
Placements with Other Banks
Placements or deposits owned by the BUS at other banks, whether banks that carry out operational activities in Indonesia or outside Indonesia, including BUS placements at Sharia People's Economic Banks.
Securities Held
Securities held are all securities whether in rupiah or foreign currency that are purchased or owned by the BUS. a) Fair Value Through Profit or Loss Filled with securities owned by the BUS categorized as fair value through profit or loss. b) Fair Value Through Other Comprehensive Income Filled with securities owned by the BUS categorized as fair value through other comprehensive income. c) Amortized Cost Filled with securities owned by the BUS categorized as amortized cost.
Financing Provided
Financing is the provision of funds or claims that can be compared to it based on agreement or agreement between the BUS and other parties that obligates the financed party and/or given funding facilities to return the funds after a certain period with remuneration, without remuneration, or profit sharing, which includes profit sharing transactions, lease transactions, sales transactions, lending transactions, and service lease transactions in accordance with Sharia principles. Filled with the book value (sum of reporting months) of financing provided by the BUS to third parties non-bank positions on the day of report submission. a) Working Capital Filled with the amount of financing intended for working capital for the customer receiving the facility. b) Investment Filled with financing intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, relocation of business and/or establishment of new business. 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 (among others city transport and ojek). c) Consumption Filled with financing intended for consumption needs.
Drawdown Allowance - Financing Provided
Filled with the drawdown allowance of the BUS to third parties non-bank.
Third-Party Funds (TPF)
Third-Party Funds include funds obtained by the BUS from society in the form of call deposits, savings, and time deposits. a) Deposits on Call Filled with third-party funds with call deposit type with Wadiah contract and call deposit with Mudarabah contract – non profit sharing. b) Savings Filled with third-party funds with savings type with Wadiah contract and savings with Mudarabah contract – non profit sharing. c) Time Deposits Filled with third-party funds with time deposit type with Mudarabah contract – non profit sharing.
Liabilities to Other Banks
Liabilities of the BUS to other banks, whether carrying out operational activities in Indonesia or outside Indonesia, including people's economic banks and Sharia people's economic banks.
Securities Issued
Debt instruments issued by the BUS, including securities that meet the criteria as capital as referred to in regulations concerning banking that were originally reported in loan capital. a) Subordinated Filled with securities issued with subordinated type. b) Others Filled with other securities issued other than securities issued with subordinated type.
Financing Received
Financing received by the BUS includes financing that is considered as capital that was originally reported in loan capital, excluding managed funds and lease liabilities. a) Subordinated Filled with financing received with subordinated type with Mudarabah contract – non profit sharing and Mudarabah contract – profit sharing. b) Others Filled with other financing received with Mudarabah contract – non profit sharing and Mudarabah contract – profit sharing other than financing received with subordinated type.
Net Interbank (NAB)
Filled with the difference between the account of placements with other banks minus liabilities to other banks.
Vostro
a) Filled with BUS Vostro.

b) Vostro is an account belonging to a foreign bank held at a domestic bank.

Nostro
a) Filled with the Islamic Business Unit's (BUS) nostro. b) Nostro is an account belonging to a domestic bank at a foreign bank in foreign currency.
Short-Term Financing Facilities
Filled with short-term financing facilities in accordance with provisions of legislation regarding short-term financing facilities.
GWM Violations
a) GWM violations by the BUS in accordance with 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 the BUS, namely by placing GWM at the central bank to anticipate fund withdrawals by customers, interbank clearing settlements, and other bank obligations that must be paid immediately. b) Secondary Reserve Secondary Reserve can provide 2 (two) benefits to the BUS, namely to maintain liquidity and increase profitability in the form of fund placement into non-cash liquid assets (liquid assets that are not cash) consisting of the most liquid securities that can be converted to cash at any time without causing losses to the BUS. c) Tertiary Reserve Tertiary Reserve is funds invested in Shariah securities that can be traded for investment or trading purposes. Returns on tertiary reserves are higher than placements on secondary reserves, making them more profitable.
Return Percentage (%)
a) Financing
(1) Return on financing is the level of return or indication of the agreed return level in the form of profit-sharing/margin/ujrah from financing provided by the BUS to facility recipients on the reporting date. (2) The reported return is the average return for each type of financing provided. (3) If on the reporting date, the BUS does not provide financing (no return is given to customers on the reporting date), then the reported return is filled with “0”. (4) Returns consist of returns from corporate financing, retail financing, and micro financing. b) Third-Party Funds (1) Return on Third-Party Funds is the level of return or indication of the agreed return level in the form of bonuses/profit-sharing provided by the BUS to depositing customers on the reporting date. (2) The reported return is the lowest and highest return for each type of third-party funds. (3) If on the reporting date, the BUS does not accept fund deposits (no deposit return is given to customers on the reporting date), then the reported return is filled with “0”.

II. Financial Ratios
Financing to Deposit Ratio (FDR)
Filled with total financing provided compared to total third-party funds in accordance with the Financial Services Authority Circular regarding transparency and publication of commercial Islamic bank and Islamic business unit reports.

B. FINANCIAL PUBLICATION REPORT AND MONTHLY FINANCIAL PERFORMANCE INFORMATION Format and guidelines for filling out the Financial Publication Report and Monthly Financial Performance Information in accordance with the Financial Services Authority Circular regarding transparency and publication of commercial Islamic bank and Islamic business unit reports. Monetary information in the Financial Publication Report and Monthly Financial Performance Information is reported in full units.

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

Financing for the 50 (fifty) largest customers regarding customer/group financing facilities or accounts in the reporting month based on recorded values in accordance with financial accounting standards.
Funding for the 50 (fifty) largest customers regarding third-party funds in the reporting month based on recorded values in accordance with financial accounting standards.
The largest financing and funding report is reported in full units.
Report Format
a. Financing for the 50 (fifty) largest facility recipients Individual/Group Group Name Customer Name Identity Number Account Number Contract Type Usage Type Quality Plafon Reporting Month CKPN Percentage of Total Third-Party Non-Bank Financing Percentage of Total Capital b. Funding for the 50 (fifty) largest depositors Customer Name Identity Number Account Number Type of Third-Party Funds Type of Currency Reporting Month
Filling Guidelines
a. Financing for the 50 (fifty) largest facility recipients Filled with the 50 (fifty) largest financings based on an individual customer and/or group approach.

Individual/Group
Filled by selecting individual customers or group customers.
Group Name
a) Filled with the full group name. b) Must be filled for facility recipients who are groups. If the customer is an individual, the group name is left blank.
Customer Name
a) Filled with the full name according to identity documents for individual customers. b) Filled according to the name stated in the business deed documents for corporate debtors.
Identity Number
Filled with the identity number according to what is stated in identity documents, including National Identity Number (NIK) for Indonesian citizen (WNI) individual customers, passport numbers for foreign citizen (WNA) individual customers, and NPWP/Tax Registry/documents that can be equated to those 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) 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 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.
Contract Type
Filled with 3 (three) digit numbers according to the contract type code.
No. Contract Type Code

Mudarabah 020
Mudarabah Muqayyadah 025
Musyarakah 030
Musyarakah Mutanaqisah 035
Ijarah 040
Ijarah Muntahiya Bittamlik 045
Multijasa - Education 061
Multijasa - Worship 062
Multijasa - Health 063
Multijasa - Marriage 064
Multijasa - Others 069
Murabahah Receivables 070
No. Contract Type Code
Istishna Receivables 080
Salam Receivables 090
Qardh 100
Other Profit-Sharing Financing 119
Others 999

Usage Type
a) Filled with 1 (one) character according to the financing usage type code. b) Data filling reference:
No. Usage Type Code

Working Capital 1
Investment 2
Consumption 3

Quality
Filled with the financing quality type in the Reporting Month in accordance with Financial Services Authority regulations regarding the assessment of quality of assets of commercial Islamic banks and Islamic business units, with the following reference codes:
No. Quality Code

Good 1
Special Attention 2
Less Good 3
Doubtful 4
Non-Performing 5

Plafon
a) Filled with the effective plafond nominal of the financing facility. b) For group customers, this column is filled with the total plafond.
Reporting Month Amount
a) Filled with the recorded financing value in accordance with financial accounting standards. b) For group customers, this column is filled with the total reporting month amount.
CKPN
a) Filled with provisions formed for the decline in value of financial instruments in accordance with financial accounting standards. b) For group customers, this column is filled with the total CKPN.
Percentage of Total Third-Party Non-Bank Financing
Filled with the percentage (%) of the reporting month amount value for core customers divided by total third-party non-bank financing.
Percentage of Total Capital
Filled with the percentage (%) of the reporting month amount value divided by total capital in accordance with Financial Services Authority Regulations regarding minimum capital adequacy requirements for commercial Islamic banks.

Example of filling out the Form for Financing for the 50 (fifty) Largest Facility Recipients Individual/ Group Group Name Customer Name Identity Number Account Number Contract Type Usage Type Quality Plafon Reporting Month Amount CKPN Percentage of Total Third-Party Non-Bank Financing Percentage of Total Capital Group ABCD PT. XYZ 8348172292 REK12345 020 2 PT. ABC 2929737117 ABC12345 030 1
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 for the 50 (fifty) largest depositors Filled with funding for the 50 (fifty) largest customers with accumulated third-party funds from all accounts and each type of third-party funds held by customers at the time of reporting.

Customer Name
a) Filled with the full name according to identity documents for individual customers. b) Filled according to what is stated in business deed documents for corporate customers.
Identity Number
Filled with the identity number according to what is stated in identity documents, including National Identity Number (NIK) for Indonesian citizen (WNI) individual customers, passport numbers for foreign citizen (WNA) individual customers, and NPWP/Tax Registry/documents that can be equated to those 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) 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 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 reference code for third-party funds with the following reference:
No. Type of Third-Party Funds Code

Savings 1
Checking 2
Time Deposit 3

Type of Currency
Filled with the reference code according to the Reference List – Type of Foreign Currency in accordance with provisions of legislation regarding integrated commercial bank reports.
Reporting Month Amount
Filled with the recorded value in accordance with financial accounting standards for third-party funds held by customers.

Example of filling out the Form for Funding for the 50 (fifty) Largest Customers for customers who have more than 1 (one) account Customer Name Identity Number Account Number Type of Third- Party Funds Type of Currency Reporting Month Amount Rendy H. Wijaya 123456789XYZ 4.000.000.000 Rek123 Savings Rupiah 1.000.000.000 Rek234 Savings USD 1.000.000.000 Rek890 Time Deposit USD 1.000.000.000 Rek087 Time Deposit Rupiah 1.000.000.000

D. BUSINESS PLAN REALIZATION REPORT FOR BUS

Format and guidelines for filling out the business plan realization report in accordance with the Financial Services Authority Circular regarding business plans for commercial Islamic banks and Islamic business units.
Subsequently, the scope of the business plan realization report as per item 1) is expanded with the following reports:
a. Periodic bancassurance reports; b. Reports on the hiring of foreign experts or consultants;
c. Trust activity reports;
d. Problematic outsourcing reports; e. Information on the settlement of rights and obligations of regional offices, branches, and overseas offices to customers and/or other parties in connection with the closure of regional offices, branches, and overseas offices; and f. Information on the settlement of rights and obligations of sub-branches to customers and/or other parties in connection with the closure of sub-branches.
For form 1W500 – Human Resources Education and Training Realization Report in the Business Plan Realization Report, it will not be filled starting from the business plan realization position in the first quarter of 2027.
Periodic Bancassurance Reports
Format and guidelines for filling out the Periodic Bancassurance Report refer to the Financial Services Authority Circular regarding risk management implementation for banks conducting marketing cooperation activities with insurance companies (bancassurance).
Reports on the Hiring of Foreign Experts or Consultants
Reports on the hiring of foreign experts or consultants in accordance with Financial Services Authority Regulations regarding the utilization of foreign labor and knowledge transfer programs in the banking sector.
Trust Activity Reports
Trust activity reports are reports in accordance with Financial Services Authority Regulations regarding banking business activities involving deposit with management (trust). Format and guidelines for filling out Trust Activity Reports are as follows:
a. Quantitative Information

Format
a) General Information
Table 1 – Trust Unit Leader
Trust Unit Leader Name
Trust Unit Leader Phone Number
Trust Unit Leader E-mail Address
Report Compiler Responsible Person Name
Report Compiler Responsible Person Phone Number Report Compiler Responsible Person E-mail Address
Table 2 – Trust Unit Human Resources
Employee Description Permanent Employees Non-Permanent Employees WNI TKA WNI TKA Trust Unit Leader Officials One Level Below Trust Unit Leader Other HRM Total

Table 3 - List of Trust Agreements and Settlor
No.
Trust Agreement
Agreement Number Date Type of Trust
Activity
Code
Signing Date End Date Economic Sector Settlor
Name 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 Results/Export
Foreign Exchange Results
Investment Principal
Investment Returns
Received Debts/Financing

Other
-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
Payments of Debts/Financing Received
a. Principal b. Returns
Fees/Ujrah to
Trustee
Other
-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

Checking
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: Trust Unit Leader
Table 1 is filled with the name of the person responsible for the entire trustee unit and the name of the report compiler responsible person, accompanied by phone numbers and electronic mail addresses of the respective persons.
(2) Table 2: Trust Unit Human Resources
Table 2 is filled with:
(a) The row “Trust Unit Leader” is filled with the number of trust 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 row “Officials One Level Below Trust Unit Leader” is filled with the number of officials one level below the trust unit leader 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 row “Other HRM” is filled with the number of other employees in the trustee unit other than the trust unit leader and officials one level below the trust unit leader 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; and (d) The row “Total” is filled with the total sum of each column. (3) Table 3 List of Trust Agreements and Settlor is filled with:
(a) Trust Agreements
i. Agreement Number
Filled with the trust agreement number between trustee and settlor.
ii. Signing Date
Filled with the date of the trust agreement between trustee and settlor in yyyymmdd format.
iii. End Date
Filled with the end date of the trust agreement between trustee and settlor in yyyymmdd format.
iv. Type of Trust Activity
Filled with the reference code as follows:
No. Type of Trust Activity Code

Payment Agent 1
Investment Agent 2
Lending or Financing Agent 3
v. Economic Sector Code
Filled by referring to the economic sector reference code list in accordance with provisions of legislation regarding integrated commercial bank reports.
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 sequence number. (b) Settlor
i. Column “Name”
Filled with the settlor name identity which is part of the trust agreement.
ii. Column “NPWP”
Filled with the settlor NPWP number.
iii. Column “Residential Country”
Filled with the settlor's residential country referring to the main shareholder country. Country codes refer to the country reference code list in accordance with provisions of legislation regarding integrated commercial bank reports. Example, if the settlor is located in Jakarta, then the settlor's residential country code is ID (Indonesia).
iv. Column “Nationality Country”
Filled with the settlor's nationality country referring to the main shareholder. Country codes refer to the country reference code list in accordance with provisions of legislation regarding integrated commercial bank reports. 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) BUS only fills with the original currency received or disbursed. If the BUS does not have the original currency type, it is left blank. (c) The column “Original Currency Value Others” is the accumulated value of currencies other than original currencies USD, EUR, CNY, AUD, and IDR. (d) The column “Nominal” is filled with the amount in the original currency in full units. (e) The column “In Rupiah” is filled with the number resulting from the conversion of the original currency to Rupiah currency in full units. Conversion uses the reporting 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 column “Total Rupiah” is the sum of the “Nominal” column on the original currency value IDR and the “In Rupiah” column on the original currency value other than IDR. (g) Information for each item in the “Description” column is as follows:
i. Fund Receipts
(i) The row “Fund Deposits” is filled with the total inflow of fund deposits from the settlor.
(ii) The row “Sales Results/Export Foreign Exchange Results” is filled with the total inflow of settlor funds originating from sales results/export foreign exchange results. (iii) The row “Investment Principal” is filled with the total inflow of funds from the return of investment principal. (iv) The row “Investment Returns” is filled with the total inflow of funds originating from coupons/returns/yields/other investment returns. (v) The row “Received Debts/Financing” is filled with the total inflow of funds originating from received debts/financing. (vi) The row “Others” is filled with the total inflow of funds for payments of other activities. (vii) The row “Total Receipts” is filled with the sum of all fund receipt categories.
ii. Fund Disbursements
(i) The row “Tax Payments” is filled with the total outflow of funds for tax payments on settlor expenses, tax payments on beneficiary expenses, or tax payments on other parties' expenses. (ii) The row “Payments to suppliers/vendors” is filled with the total outflow of funds for payments to suppliers/vendors. (iii) The row “Payments to Beneficiaries” is filled with the total outflow of funds for payments to the government as beneficiaries, payments to settlors acting as beneficiaries, or payments to other beneficiaries. (iv) The row “Investments” is filled with the total outflow of funds for investment activities conducted directly by the trustee or through investment managers. (v) The row “Payments of Debts/Financing Received” is filled with the total outflow of funds for payments of principal or for payments of returns from received debts/financing. (vi) The row “Fees/Ujrah to Trustee” is filled with the total outflow of funds for payments for trustee fees/ujrah. (vii) The row “Others” is filled with the total outflow of funds for payments of other activities. (viii) The row “Total Disbursements” is filled with the sum of each fund disbursement component.
iii. Net
Filled with the amount of fund receipts in “Total Receipts” minus the amount of disbursements in “Total Disbursements”. In the event that there is no information for an item in the “Description” column, it is left blank. (2) Table 2: Trust Asset and Liability Positions in Foreign Currency (a) BUS only fills with information on the original currency held. If the BUS does not have the original currency type, it is left blank. (b) The column “Original Currency Value Others” is the accumulated value of currencies other than original currencies USD, EUR, CNY, AUD, and IDR. (c) The column “Nominal” is filled with the amount in the original currency in full units. (d) The column “In Rupiah” is filled with the number resulting from the conversion of the original currency to Rupiah currency in full units. Conversion uses the reporting 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 column “Total Rupiah” is the sum of the “Nominal” column on the original currency value IDR and the “In Rupiah” column on the original currency value other than IDR. (f) Information for each item in the “Description” row is as follows:
i. Assets

(i) The 'Giro' row is filled with the trustee's giro account balance.
(ii) The 'Investment' 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 giro 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 obligations to the settlor. In the event that the Islamic Business Unit (BUS) has more than 1 (one) settlor, the BUS fills in the obligations according to the row corresponding to the settlor's name. (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 obligations held 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 a certain item in the 'Description' column, it is left blank.

Example of Filling in 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
A. Fund Receipts
1. Fund Deposits	6013	100000000	5081	55000000	50000000	70000000	275000000
2. Sales Proceeds or Export Foreign Exchange	4804	52000000	45000000	97000000
3. Investment Principal	4812	80000000	25000000	105000000
4. Investment Returns	3234	35000000	45000000	80000000
5. Received Debts or Financing			50000000	20000000	70000000
6. Others	9022	150000000	11087	120000000	70000000	35000000	375000000
Total Receipts	19847	330000000	24206	262000000	170000000	240000000	1002000000
B. Fund Expenditures
1. Tax Payments
a. Settlor	601	10000000	924	10000000	40000000
b. Beneficiary	1503	25000000	2309	25000000	100000000
c. Others	307	5000000	462	5000000	20000000
2. Payments to Suppliers/Vendors			10000000	10000000	20000000
3. Payments to Beneficiaries
a. Government	462	5000000	10000000	10000000	25000000
b. Settlor as Beneficiary			25000000	25000000	50000000
c. Others	462	5000000	15000000
4. Investments
a. By Trustee	307	5000000	924	10000000	5000000	5000000	25000000
b. Via Investment Manager	307	5000000	924	10000000	5000000	5000000	25000000
5. Repayment of Received Debts/Financing
a. Principal	307	5000000	462	5000000	25000000	10000000	45000000
b. Interest/Returns	307	5000000	462	5000000	10000000	25000000	45000000
6. Fees/Ujrah to Trustee
7. Others	307	5000000	462	5000000	5000000	15000000
Total Expenditures	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
A. Assets
1. Giro	6013	100000000	3234	35000000	100000000	50000000	285000000
2. Investments
a. By Trustee
1) Savings	9022	150000000	11087	120000000	70000000	35000000	375000000
2) Time Deposits	0
3) SBI/SBIS	0
4) SBN/SBSN	0
5) Others	4812	80000000	100000000	25000000	205000000
b. Via Investment Manager
1) Stocks	100000000				100000000
2) Corporate Bonds/Sukuk	70000000				70000000
3) Mutual Funds / Sharia Mutual Funds
4) Asset-Backed Securities (EBA)	0
5) Medium Term Notes (MTN)	0
6) Others	70000000	100000000	170000000
3. Other Financial Assets	9022	150000000	24206	262000000	100000000	100000000	612000000
Total Assets	28869	480000000	38527	417000000	610000000	310000000	1817000000
B. Liabilities
1. Liabilities to Settlor
a. PT “ABC”	20000000				20000000
b. PT “LCM”	20000000				20000000
2. Business Funds	0
3. Other Liabilities	307	5000000	462	5000000	25000000	10000000	45000000
Total Liabilities	307	5000000	462	5000000	65000000	10000000	85000000

b. Qualitative Information

Report Format
Trust Activity Details
Bank Name:
Contract Code:

Description	Original Currency Value	Nominal in Rupiah
A. Fund Receipts
1. Fund Deposits
a. ... (settlor name)
b. ...
c. etc.
2. Sales Proceeds or Export Foreign Exchange
3. Investment Principal
4. Investment Returns
5. Received Debts or Financing
a. ... (customer name)
b. ...
c. etc.
6. Others (specify)
a. ...
b. ...
c. etc.
Total Receipts
B. Fund Expenditures
1. Tax Payments
a. Settlor
1). ... (settlor name)
2). ...
3). etc.
b. Beneficiary
1). ... (beneficiary name)
2). ...
3). etc.
c. Others
1). ... (taxpayer name)
2). ...
3). etc.
2. Payments to Suppliers/Vendors
1). ... (supplier/vendor name)
2). ...
3). etc.
3. Payments to Beneficiaries
a. Government
b. Settlor as Beneficiary
1). ... (settlor name)
2). ...
3). etc.
c. Others (specify)
1). ... (beneficiary name)
2). ...
3). etc.
4. Investments
a. By Trustee
1). Savings
2). Time Deposits
3). SBI/SBIS
4). SBN/SBSN
5). Others (specify)
a). .... (investment type)
b). ....
c). etc.
b. Via Investment Manager
1). Stocks
2). Corporate Bonds/Sukuk
3). Mutual Funds / Sharia Mutual Funds
4). Asset-Backed Securities (EBA)
5). Medium Term Notes (MTN)
6). Others (specify)
a). .... (investment type)
b). ....
c). etc.
5. Repayment of Received Debts/Financing
a. Principal
b. Returns
6. Fees/Ujrah to Trustee
7. Others (specify)
a. ...
b. ...
c. etc.
Total Expenditures
C. Net

Filling Guidelines
a) In addition to quantitative information, the BUS submits qualitative information in the form of trust activity details for each trust contract 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 code according to regulations on integrated general bank reports (example: USD, IDR, MYR, EUR, etc.). d) The 'Nominal' column is filled with the full unit amount of fund deposits received in the original currency. e) The 'In Rupiah' column is filled with the converted value of cash deposits received in the original currency into Rupiah currency in full units. f) Conversion uses the report exchange rate, which is filled with the middle rate, which is the average of the buy and sell exchange 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 Problematic Outsourcing Report are in accordance with the Financial Services Authority Regulation regarding prudential principles for general banks that outsource part of their work execution to third parties.
Information on Evidence of Settlement of Rights and Obligations of Regional Offices, Branch Offices, and Overseas Offices to Customers and/or Other Parties in Connection with the Closure of Regional Offices, Branch Offices, and Overseas Offices
Information on evidence of the settlement of rights and obligations of regional offices, branch offices, and overseas offices to customers and/or other parties in connection with the closure of regional offices, branch offices, and overseas offices in accordance with the Financial Services Authority Regulation regarding Islamic commercial banks.
Information on Evidence of Settlement of Rights and Obligations of Branch Offices to Customers and/or Other Parties in Connection with the Closure of Branch Offices
Information on evidence of the settlement of rights and obligations of branch offices to customers and/or other parties in connection with the closure of branch offices in accordance with the Financial Services Authority Regulation regarding Islamic commercial banks.

E. QUARTERLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE REPORT The format and filling guidelines for the Quarterly Financial Publication and Financial Performance Report are in accordance with the Financial Services Authority Circular Letter regarding transparency and publication of Islamic commercial bank and Islamic business unit reports. Monetary information in the quarterly financial publication and financial performance report is reported in full units.

F. SUPERVISION REPORT ON BUS BUSINESS PLAN
The format and filling guidelines for the Business Plan Supervision Report for BUS are in accordance with the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units.

G. BUSINESS PLAN OF BUS

Format and method of submitting the business plan:
a. The business plan is in accordance with the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units; b. Human Resources (HR) quality development plan as regulated in the Financial Services Authority Regulation regarding the development of human resources quality of general banks.
Subsequently, the scope of the business plan as in number 1 is added with the following Reports and information:
a. Bank product implementation plan; b. Outsourcing plan;
c. Export-import financing provision plan;
d. Financing provision plan to third-party banks and non-bank third parties based on usage type; e. Laku Pandai program implementation plan; f. Financing provision plan; and g. Current year KUR (People's Business Credit) financing provision plan.
For form 1S200 – Human Resources Education and Training Plan in the BUS business plan report, it is not filled starting from the 2027 business plan.
Bank Product Implementation Plan (RPPB)
a. Bank Product Implementation Plan

Report Format
Bank Product Implementation Plan

Product Type	New Bank	Implementation Time Plan	Purpose/Benefit	New Bank Product Relevance	For Bank	For Customers	Bank Strategy	General Description	Potential Risks	Risk Mitigation for New Product Issuance	Planned Mechanism for New Bank Product Implementation

Filling Guidelines
a) New Bank Product Type
(1) Filled with the type of product to be implemented in accordance with the Financial Services Authority Regulation regarding the implementation of general bank products. Example: savings, financing, mobile banking, bancassurance, etc.
In the event that there is more than 1 (one) type of product to be implemented, the BUS reports on the next row.
b) Implementation Time Plan
Filled with 2 (two) digits according to the implementation time information for the quarter of the bank product implementation with the following reference:

No.	Implementation Time	Code
1.	Quarter 1	01
2.	Quarter 2	02
3.	Quarter 3	03
4.	Quarter 4	04

c) Purpose/Benefit – For Bank
Filled with a brief description of the purpose and benefit of the new product for the BUS. d) Purpose/Benefit – For Customers Filled with a brief description of the purpose and benefit of the new product for customers. e) New Bank Product Relevance with Bank Strategy Filled with a brief description of the suitability of implementing the new product with the BUS business strategy, business development plan, or long-term policy of the BUS. f) General Description Filled with a brief description describing among other things the product name, features, and business model of the BUS product. g) Potential Risks Filled with a brief description of the potential risks that may arise from the implementation of the new product. h) Risk Mitigation for New Bank Product Issuance Filled with a brief description of the steps planned by the BUS to prevent, reduce, or control the identified risks. i) Planned Mechanism for New Bank Product Implementation Filled with 1 (one) digit according to the mechanism by which the bank implements the new bank product with the following reference:

No.	Implementation Mechanism	Code
1.	New Basic Bank Product	0
2.	Permit with Limited Pilot Test	1
3.	Permit without Limited Pilot Test	2
4.	Permit with Notification	3

b. Other Information on Bank Product Implementation Plan

The document contains other information related to the BUS product implementation plan, including more detailed explanations of the BUS product implementation plan filled in by the BUS in the Bank Product Implementation Plan 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 and uploaded in portable document format (.pdf).
The BUS can submit changes to the RPPB through the BUS business plan report in accordance with the submission of changes to the BUS business plan. In the event that the BUS submits changes to the RPPB but cannot submit changes to the BUS business plan again, the submission of changes to the RPPB is done through the Incidental Report.

Outsourcing Plan
a. Outsourcing Plan

Report Format
Outsourcing Plan

Job Type Outsourced	General Description and Scope of Work	Type of Outsourcing Agreement	Estimated Number of Outsourced Labor Required	Agreement Duration	Purpose of Outsourcing	Estimated Cost and Benefit Analysis	Risk Analysis and Mitigation	Notes

Filling Guidelines
The outsourcing plan contains an outsourcing plan for work that has never been outsourced. Renewal of outsourcing agreements is not included in work that has never been outsourced. a) Job Type Outsourced (1) Filled with the work outsourced in accordance with the Financial Services Authority Regulation regarding prudential principles for general banks that outsource part of their work execution to third parties. (2) In the event that there is more than 1 (one) work outsourced, the BUS reports on the next row. b) General Description and Scope of Work Filled with a brief description of the work outsourced and the location of the office where the work outsourced is performed. c) Type of Outsourcing Agreement Filled with 1 (one) digit according to the type of outsourcing agreement with the following reference:

No.	Type of Agreement	Code
1.	Contracting Agreement	1
2.	Labor Supply Service	2
3.	Contracting and Labor Supply Service Agreement

d) Estimated Number of Outsourced Labor Required Filled with the estimated number of outsourced labor required. e) Agreement Duration (1) Filled with the agreed duration or the duration of the outsourcing agreement between the BUS and the outsourcing service provider. (2) Filled with clear time information. Example:
(a) Bank “S” has an outsourcing agreement valid for 2 (two) years, then this row is filled with the information “2 years”. (b) Bank “I” has an outsourcing agreement valid for 30 (thirty) months, then this row is filled with the information “2 years 6 months” or “30 months”. f) Purpose of Outsourcing Filled with a description of the results to be achieved through the implementation of outsourcing, in accordance with the overall strategy and business objectives of the BUS. g) Estimated Cost and Benefit Analysis Filled with a brief description of the estimated cost and benefit of outsourcing. h) Risk Analysis and Mitigation Filled with a brief description of the potential risks that may arise from the implementation and mitigation steps. i) Notes Filled with additional notes in the event that there is other information that needs to be submitted regarding the outsourcing plan.
II. Other Information on Outsourcing Plan

The document contains other information related to the outsourcing plan, including more detailed explanations of the outsourcing plan filled in the Outsourcing Plan 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 and uploaded in portable document format (.pdf).

Export-Import Financing Provision Plan
a. Report Format
Export-Import Financing Provision Plan b. Filling Guidelines

T is the year of implementation of the business plan as per the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units.
This form is detailed for export financing and import financing as follows:
a) Export financing is financing provided to exporters and suppliers for financing production, collection, and preparation of goods for export purposes, including among other things financing export transactions, supply of goods for export, and production of goods for export. b) Import financing is financing provided to importers for financing the procurement and collection of imported goods, including among other things financing import transactions and supply of goods to be imported. In the event that financing is used to finance business activities that cannot be separated between export-oriented, import-oriented, or others (domestic), the classification of such financing is focused on the dominant orientation of use (the one that receives the largest financing facility).

Component Name	Realization (T-1)	Projection (T-1)	Tw 4 (T)	Tw 1 (T)	Tw 2 (T)	Tw 3 (T)	Tw 4 (T+1)	Tw 4 (T+2)	Tw 4
Export Financing
Oil Export
Non-Oil Export
Non-Oil Export included in criteria that can be calculated in the MSME financing ratio
Other Non-Oil Export
Import Financing
Others
Total Financing

c) Others is financing provided not for export and import purposes (domestically oriented).
3) The amount of the export-import financing provision plan is filled by annualizing in units of millions of Rupiah.

Financing Provision Plan to Third-Party Banks and Non-Bank Third Parties Based on Usage Type
a. Report Format
Financing Provision Plan to Third-Party Banks and Non-Bank Third Parties Based on Usage Type

Component Name	Realization (T-1)	Projection (T-1)	Tw 4 (T)	Tw 1 (T)	Tw 2 (T)	Tw 3 (T)	Tw 4 (T+1)	Tw 4 (T+2)	Tw 4
Rupiah
Working Capital
1. Retail
2. Corporate
3. Others
Total Working Capital Financing
Investment
1. Retail
2. Corporate
3. Others
Total Investment Financing
Consumption
1. Retail
2. Corporate
3. Others
Total Consumption Financing
Total Rupiah
Foreign Currency
Working Capital
1. Retail
2. Corporate
3. Others
Total Working Capital
Investment
1. Retail
2. Corporate
3. Others
Total Investment Financing
Consumption
1. Retail
2. Corporate
3. Others
Total Consumption Financing
Total Foreign Currency
Total Rupiah + Foreign Currency

b. Filling Guidelines

T is the year of implementation of the business plan as per the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units.
This form is filled based on usage type for both Rupiah and foreign currency including:
a) Working Capital is financing intended for the working capital of the respective customer. b) Investment is financing intended for the purchase of capital goods and services needed for rehabilitation, modernization, expansion, relocation of business and/or establishment of new business. 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 (among other things city transportation and ojek). c) Consumption is financing intended for consumption purposes.
Financing based on usage type is detailed as follows:
a) Corporate financing is working capital financing and non-MSME and non-retail investment financing that meets the criteria according to the BUS policy. b) Retail financing is working capital financing and non-MSME and non-corporate investment financing that meets the criteria according to the BUS policy. c) Others is financing provided for corporate financing and retail financing.
The amount of the third-party bank and non-bank third-party financing provision plan based on usage type is filled by annualizing in units of millions of Rupiah.

Laku Pandai Program Implementation Plan
The format and filling guidelines for the Laku Pandai program implementation plan refer to the information submitted by the Financial Services Authority through publication on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.
Financing Provision Plan
The format and guidelines for the financing provision plan refer to the information submitted by the Financial Services Authority through publication on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.
Current Year KUR Financing Provision Plan
The format and guidelines for the current year KUR (People's Business Credit) financing provision plan refer to the information submitted by the Financial Services Authority through publication on the reporting system at https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.

H. ANNUAL REPORT RELATED TO FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION The annual report related to financial publication and financial performance information consists of 4 (four) information items detailed as follows:

Document List of Pages of Annual Financial Publication and Financial Performance Report per Component
a. The format and guidelines for compiling the document list of pages of the Annual Financial Publication and Financial Performance Report per component are in accordance with the Financial Services Authority Circular Letter regarding transparency and publication of Islamic commercial bank and Islamic business unit reports. b. The document is uploaded in portable document format (.pdf).
Annual Financial Publication and Financial Performance Report Document
a. The format and guidelines for compiling the Annual Financial Publication and Financial Performance Report document are in accordance with the Financial Services Authority Circular Letter regarding transparency and publication of Islamic commercial bank and Islamic business unit reports. b. The document is uploaded in portable document format (.pdf) which can be processed further with a maximum document file size of 25 MB.
Governance Implementation Details
a. Governance implementation details are detailed information from the self-assessment report on governance implementation and transparency of governance implementation submitted by the BUS in the Annual Financial Publication and Financial Performance Report. b. The format and guidelines for filling in the governance implementation details are in accordance with the Financial Services Authority Circular Letter regarding governance implementation for general banks.
Management Letter
a. The management letter is a letter from the public accounting firm containing written comments from the public accountant to the BUS management regarding the results of the review of the internal control structure, implementation of accounting standards, or other issues encountered in the implementation of the audit along with improvement suggestions. b. The management letter is uploaded in portable document format (.pdf) document.

I. REPORTS OF BANKS THAT ARE PART OF A BUSINESS GROUP
A Business Unit (BUS) that is part of a business group submits an annual group report consisting of:

List of Pages of the Annual Group Report for Banks that are Part of a Business Group
The document listing the pages of the annual group report for banks that are part of a business group is uploaded in portable document format (.pdf).
Annual Group Report for Banks that are Part of a Business Group
The annual group report for banks that are part of a business group covers information including:
a. Annual Report of the Parent Entity

The annual report of the parent entity includes:
a) all entities within the business group in the financial sector; or b) all entities within the business group in the financial and non-financial sectors, in the event that letter a) is not available, for BUSs that have a parent entity.
In the event that the parent entity does not have an Annual Report, the BUS submits a group report consisting of the consolidated financial statements of the parent entity audited by a public accountant, covering:
a) all entities within the business group in the financial sector; or b) all entities within the business group in the financial and non-financial sectors, in the event that 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 that direct shareholders or entities exercising direct control do not have a report, the BUS submits a group report consisting of the annual financial statements of the direct shareholders or entities exercising direct control over the bank, audited by a public accountant.
c. Annual Report of Subsidiary Entities, for Banks that are Parent Entities
In the event that subsidiary entities do not have an annual report of subsidiary entities, the bank submits a group report consisting of the annual financial statements of the subsidiary entities audited by a public accountant. Reports of BUSs that are part of a business group are uploaded in portable document format (.pdf) that can be further processed, with a maximum document file size of 100 MB.

II. RISK AND CAPITAL INFORMATION GROUP
A. REPORT ON MINIMUM CAPITAL REQUIREMENT (KPMM) AND RISK-WEIGHTED ASSETS (ATMR) OF BUS The format and guidelines for filling out the KPMM and ATMR Report – BUS individually and the KPMM and ATMR Report – BUS consolidated are in accordance with the regulations of the Otoritas Jasa Keuangan regarding:

minimum capital requirements for Islamic commercial banks;
minimum capital requirements according to risk profile for Islamic commercial banks;
calculation of risk-weighted assets for credit risk using the standard approach for Islamic commercial banks;
calculation of risk-weighted assets for market risk using the standard method for Islamic commercial banks; and
calculation of risk-weighted assets for operational risk using the basic indicator approach for Islamic commercial banks.

B. LIQUIDITY COVERAGE RATIO (LCR) REPORT FOR BUS The LCR Report – BUS individually and the LCR Report – BUS consolidated are reports in accordance with the Regulation of the Otoritas Jasa Keuangan regarding the obligation to fulfill the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio for Islamic commercial banks and Islamic business units. The LCR Report is presented in millions of rupiah.

Quantitative Information
a. Report Format
Monthly Liquidity Coverage Ratio Calculation Report (Liquidity Coverage Ratio) Rate Outstanding Value or Market Value Value after Haircut or Runoff Rate or Inflow Rate A. HQLA
HQLA Level 1
1.1 Cash and cash equivalents 0% -
1.2 Total Deposits at Bank Indonesia, namely:
part of deposits at Bank Indonesia that can be withdrawn during stress conditions 0% -
1.3 Sharia-compliant securities that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 1 letter c
issued or guaranteed by another country's government 0% - issued or guaranteed by another country's central bank 0% - issued or guaranteed by a public sector entity 0% - issued or guaranteed by a multilateral development bank 0% - issued or guaranteed by an international organization 0% -

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate 1.4 Sharia-compliant securities issued by the Central Government and Bank Indonesia in rupiah and foreign currency that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 1 letter d (e.g., SBIS and SUKBI) and letter e (e.g., Term Deposit Valas Syariah and SUVBI) 0% - 1.5 Sharia-compliant securities issued by other countries' governments and central banks in foreign currency with a risk weight of more than 0% that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 1 letter f 0% - Total HQLA Level 1 A
2. HQLA Level 2A
2.1 Sharia-compliant securities that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 2 letter a:
issued or guaranteed by another country's government 15% issued or guaranteed by another country's central bank 15% issued or guaranteed by a public sector entity 15% issued or guaranteed by a multilateral development bank 15% 2.2 Sharia-compliant securities in the form of sukuk issued by non-financial corporations that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 2 letter b 15% 2.3 Sharia-compliant securities in the form of covered sukuk not issued by the reporting bank or entities affiliated with the reporting bank that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 2 letter b 15% Total HQLA Level 2A B
3. HQLA Level 2B

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate 3.1 Sharia asset-backed securities (EBAS) in the form of residential properties that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter a 25% 3.2 Sharia-compliant securities issued by corporations that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter c 50% 3.3 Ordinary shares owned by non-bank subsidiary companies that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter d 50% 3.4 Sharia-compliant securities issued or guaranteed by other countries' governments, other countries' central banks, and/or public sector entities that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter b 50% 3.5 Sukuk or other Sharia financial instruments that meet the conditions according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter e 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

Cash Outflow
1.1
Withdrawal of Deposits and Investments by Individual Customers with criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter a

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate Total Deposits and Investments by individual customers:
Stable Deposits and Investments (meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) 5% Stable Deposits and Investments (meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from cross-border customers meeting the criteria in Appendix I point V Letter B *) following host country Total Stable Deposits and Investments from individual customers Unstable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) 10% Unstable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from DCR customers without profit-sharing 15% Unstable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from cross-border customers meeting the criteria in Appendix I point V Letter B *) following host country Additional category of Deposits and Investments with higher withdrawal rates set by supervisors Category 1 Category 2 Category 3

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate Total Unstable Deposits and Investments by individual customers Total Withdrawal of Deposits and Investments by Individual Customers 1.2 Withdrawal of Funding from Micro and Small Business Customers according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter a Total Funding from Micro and Small Business Customers:
Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:

number 2 letter a number 1) to 3) and number 1) and 2); and
number 2 letter b number 1);
5%
Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:
number 2 letter b number 1); and
in the event that customers are not classified as micro and small businesses as referred to in the Law on micro, small, and medium enterprises, but the total funding amount is up to Rp5,000,000,000.00 (five billion rupiah) and treated as individual customers, they can be categorized as micro and small business customers.
5%
Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:
number 2 letter b number 1), and
criteria number 2 letter a other than number 1) to 3) cross-border meeting the criteria in Appendix I point V Letter B
*) following host country
Total Stable Funding from Micro and Small Business Customers

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate Unstable funding from customers (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter b number 1)) 10% Unstable funding (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter b number 1)) from cross-border customers meeting the criteria according to POJK Number 20 of 2025 (Appendix I point V Letter B) *) following host country Unstable funding for Micro and Small Business Customers DCR without profit-sharing 15% Additional category of Funding with higher withdrawal rates set by supervisors Category 1 Category 2 Category 3 Total Unstable Funding for Micro and Small Business Customers Total Withdrawal of Funding for Micro and Small Business Customers
1.3 Withdrawal of Funding from Corporate Customers
Total Funding from corporate customers:
Operating accounts:
guaranteed by LPS 5% not guaranteed by LPS 25% Operating accounts meeting the criteria according to POJK Number 20 of 2025 (Appendix I point V) guaranteed by guarantee institutions *) following host country

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate not guaranteed by guarantee institutions *) following host country Total Operating Accounts of Corporate Customers Non-operating accounts and/or non-operational liabilities originating from non-financial corporations, the Central Government, Bank Indonesia, other countries' governments, other countries' central banks, multilateral development banks, and/or public sector entities guaranteed by LPS 20% not guaranteed by LPS 40% Non-operating accounts and/or non-operational liabilities meeting the criteria (according to POJK Number 20 of 2025 Appendix I point V Letter A and B) guaranteed by guarantee institutions *) following host country not guaranteed by guarantee institutions *) following host country Non-operating accounts and/or other non-operational liabilities originating from other entities meeting the criteria (according to POJK Number 20 of 2025 Appendix I point IV Letter A number 3 letter b number 2) letter b)) 100% Restricted PSIA Corporate Customers no withdrawal rights before maturity 0% withdrawal rights before maturity with at least 30 days prior notice 0%

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate withdrawal rights before maturity with less than 30 days prior notice 40% Sharia-compliant securities issued by the Bank 100% Total Non-operating Accounts and/or Non-operational Liabilities Total Withdrawal of Funding from Corporate Customers
1.4 Withdrawal of Secured Funding
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 EBAS 25% Transactions with HQLA Level 2B collateral other than EBAS 50% Transactions conducted with collateral other than HQLA 100% Total Withdrawal of Secured Funding
1.5 Other Cash Outflows (Additional Requirement)
Other cash outflows related to Sharia-compliant derivative transactions/Sharia compliance hedging according to DSN-MUI fatwa 100% Other cash outflows related to increased liquidity needs

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate related to rating downgrades (rating) of the Bank in Funding transactions, Sharia-compliant derivatives/Sharia compliance hedging according to DSN-MUI fatwa, and other agreements 100% related to mark-to-market changes over derivative or other transactions Net collateral flow largest absolute value over 30 (thirty) days realized in 24 (twenty-four) months related to potential changes in collateral value for derivatives and other transactions 20% related to excess non-segregated collateral held by the Bank that can be withdrawn at any time by the counterparty 100% related to the obligation to provide collateral to the counterparty for a specific transaction but the counterparty has not yet requested such collateral 100% related to the potential exchange of collateral in the form of HQLA becoming non-HQLA 100% Other cash outflows related to loss of funding from EBAS, covered sukuk, and other structured financing instruments issued by the Bank 100% from asset-backed commercial paper, conduits, securities investment vehicles, and other financing facilities similar to funding maturing within 30 days ahead and assets that can potentially be settled within 30 days ahead 0%

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate Other cash outflows related to commitment obligations in the form of financing facilities facilities provided to individuals or Micro and Small Business Customers 5% facilities provided to non-financial corporations, the Central Government, Bank Indonesia, other countries' governments, other countries' central banks, public sector entities, and/or banks 10% 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 Business Customers 5% facilities provided to non-financial corporations, the Central Government, Bank Indonesia, other countries' governments, other countries' central banks, public sector entities, and/or 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 (the excess value between the contractual obligation to disburse funds and 50% of total cash inflow) 100%

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate non-financial corporations (the excess value between the contractual obligation to disburse funds and 50% of total cash inflow) 100% Other Contingent Funding Liabilities from trade finance instruments 3% from financing facilities and unconditionally revocable uncommitted liquidity facilities 0% from letters of credit (L/C) and guarantees not related to trade finance obligations 5% from potential requests to repurchase bank debts 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 Sharia-compliant securities, with or without collateral, with a maturity of more than 30 (thirty) days for issuers affiliated with dealers or market makers 5% non-contractual obligations for customer short positions protected by other customers' collateral 50% Other contractual cash outflows 100% Total Withdrawal Related to Other Cash Outflows (Additional Requirement) 1.6 UUS Funding from BUK with low withdrawal risk (only filled if UUS) 50%

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate Total Cash Outflow
2. Cash Inflow
2.1 Secured Financing
Collateral is 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 EBAS meeting HQLA Level 2B requirements 25% Collateral in the form of HQLA Level 2B other than EBAS 50% Collateral not meeting the aforementioned requirements 100% Collateral is reused to cover customer short positions 0% Total Cash Inflow from Secured Financing
2.2 Counterparty Claims
individual customers 50%
Micro and Small Business Customers 50% financial service institutions 100% Bank Indonesia 100% fund placements at other banks for operational activities 0% others (non-financial corporate customers, the Central Government, other countries' governments, public sector entities, and banks multilateral development) 50%

Rate
Outstanding Value or Market Value
Value after Haircut or Runoff Rate or Inflow Rate others (non-financial corporate customers, the Central Government, other countries' governments, public sector entities, and banks multilateral development) in the event that the receipt rate comes from Sharia-compliant securities that are not HQLA with a remaining maturity of less than 30 days 100% Total cash inflow based on counterparty
2.3 Other Cash Inflows
from net transactions of Sharia-compliant derivatives/Sharia compliance hedging according to DSN-MUI fatwa 100% from other contractual claims 50% Total Other Cash Inflows Total Cash Inflow Total Cash Inflow that can be Offset in LCR Calculation (maximum 75% of Total Cash Outflow) Total Net Cash Out Flow
C. LCR
Total HQLA
Total Net Cash Out Flow
LCR Value b. Filling Guidelines

Data for each row in the Monthly LCR Report is calculated using average daily position data within the monthly reporting period.
Total High Quality Liquid Asset (HQLA) is filled with the total HQLA owned by the BUS after value reduction (haircut) for each HQLA Level, consisting of HQLA Level 1, HQLA Level 2A, and HQLA Level 2B.
Total Net Cash Outflow is the total estimated cash outflow minus the total estimated cash inflow expected to occur within 30 (thirty) days ahead in a stress scenario.
Outstanding Value or Market Value is filled with:
a) market value for HQLA; b) outstanding liability value on the financial statements and commitment on administrative accounts for cash outflow calculations; c) contractual claim value for cash inflow calculations.
Value after Haircut or Run-off Rate or Inflow Rate is filled with:
a) value after applying value reduction (haircut) for HQLA; b) outstanding liability value on the financial statements and commitment on administrative accounts multiplied by the withdrawal rate (run-off rate) for cash outflow calculations; c) contractual claim value multiplied by inflow rate for cash inflow calculations.

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

In addition to quantitative information, the BUS must disclose additional qualitative information both individually and consolidated, consisting of explanations of the LCR calculation and values in the Monthly LCR Report.
Qualitative LCR information is filled with the results of the BUS's liquidity condition analysis, considering the significance of LCR components as per quantitative calculations. Examples of qualitative LCR disclosure include:
a) main factors affecting the published LCR ratio and their impact on LCR calculation movements over time; b) LCR value trends compared to previous period values; c) HQLA composition; d) funding source concentration; e) exposure to Sharia-compliant derivatives and potential for collateral calls (increased liquidity needs related to rating downgrades from funding transactions, Sharia-compliant derivatives, and other agreements);

f) currency mismatch in LCR; g) explanations related to liquidity management, such as the level of centralization of liquidity management and interactions between work unit groups; and/or h) other cash inflows and outflows in the LCR calculation not included in the LCR disclosure template according to the Regulation of the Otoritas Jasa Keuangan regarding the obligation to fulfill the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio for Islamic commercial banks and Islamic business units, but considered relevant to the BUS's liquidity profile. .

C. INTRADAY LIQUIDITY REPORT
The format and guidelines for filling out the Intraday Liquidity Report are in accordance with the Otoritas Jasa Keuangan Circular Letter regarding the internal liquidity adequacy assessment process for commercial banks.

D. SIGNIFICANT FOREIGN CURRENCY LIQUIDITY COVERAGE RATIO REPORT The format and guidelines for filling out the Significant Foreign Currency Liquidity Coverage Ratio Report are in accordance with the Otoritas Jasa Keuangan Circular Letter regarding the internal liquidity adequacy assessment process for commercial banks.

E. FUNDING PROFILE REPORT
The format and guidelines for filling out the Funding Profile Report are in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

F. DISPLACED COMMERCIAL RISK AND PROFIT SHARING STRATEGY REPORT The format and guidelines for filling out the Displaced Commercial Risk and Profit Sharing Strategy Report are in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

G. BMPD AND LARGE FUND DISBURSAL REPORT
The format and guidelines for filling out the BMPD and Large Fund Disbursement Report are in accordance with the Financial Services Authority Regulation regarding the maximum limit for fund disbursement and large fund disbursement for Sharia commercial banks.

H. LEVERAGE RATIO COMPLIANCE OBLIGATION REPORT The format and guidelines for filling out the Leverage Ratio Compliance Obligation Report are in accordance with the Financial Services Authority Regulation regarding the obligation to comply with the leverage ratio for Sharia commercial banks.

I. NET STABLE FUNDING RATIO WORKSHEET AND NET STABLE FUNDING RATIO REPORT
NSFR worksheets and NSFR reports, both individually and on a consolidated basis, are in accordance with the Financial Services Authority Regulation regarding the obligation to comply with the liquidity coverage ratio and net stable funding ratio for Sharia commercial banks and Sharia business units.

NSFR Worksheet
a. Report Format
Table 1 NSFR Worksheet – Calculation of ASF Components
ASF Components
Recorded Value Based on Remaining Maturity
(In Million Rupiah)
Total Weighted Value
Without Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year ASF Factor Value ASF Factor Value ASF Factor Value ASF Factor Value 1 Capital:
1.1 Capital according to POJK KPMM 100% n.a
1.1.1 Core capital (Tier 1) 100% 0% 0% 100%
1.1.2 Supplementary capital (Tier 2) 100% 0% 0% 100%
1.2 Other capital instruments 100% 0% 0% 100%
Deposits and Investments from individual customers:
2.1 Stable funding
2.1.1 Deposits and Investments without maturity (examples: checking accounts, savings) 95% n.a
2.1.2
Deposits and Investments with maturity (examples: Deposits) n.a 95% 95% 100%
2.2 Less stable Deposits and Investments
2.2.1 Deposits and Investments without maturity (examples: checking accounts, savings) 90% n.a
2.2.2 Deposits and Investments with maturity (examples: Deposits) n.a 90% 90% 100%

.
Less stable Deposits and Investments from DCR customers without profit sharing n.a 90% 90% 100% Funding from micro and small business customers
3.1 Stable funding
3.1.1 Funding without maturity (examples: checking accounts, savings) 95% n.a
3.1.2 Funding with maturity (examples: Deposits, Sharia securities) n.a 95% 95% 100%
3.2 Less stable funding
3.2.1 Funding without maturity (examples: checking accounts, savings) 90% n.a
3.2.2 Funding with maturity (examples: deposits, securities) n.a 90% 90% 100%
.
Less stable funding from DCR customers without profit sharing n.a 90% 90% 100% Funding from corporate customers:
4.1 Operational accounts 50% 50% 50% 100%
4.2
Non-operational accounts and/or other non-operational liabilities (both secured and unsecured) from:
4.2.1 Non-Financial Companies 0% 50% 50% 100%
4.2.2 Indonesian Government 0% 50% 50% 100%
4.2.3 Foreign Governments 0% 50% 50% 100%
4.2.4 Public Sector Entities 0% 50% 50% 100%
4.2.5 Multilateral Development Banks 0% 50% 50% 100%

4.2.6 Bank Indonesia 0% 0% 50% 100%
4.2.7 Foreign Central Banks 0% 0% 50% 100%
4.2.8 Financial Institutions 0% 0% 50% 100%
4.2.9 Others 0% 0% 50% 100% 5
Liabilities with dependent asset counterparts 0% 0% 0% 0% 6 Other liabilities and equity:
6.1 NSFR net Sharia hedging liabilities 0%
6.2 Deferred tax liabilities 100% 0% 50% 100%
6.3
Non-controlling interests that do not meet the requirements to be included as core capital (Tier 1) 100% 0% 50% 100%
6.4 Trade date payables 0% 0% 0% 0%
6.5
Other equity and liabilities not included in the above categories, including other liabilities without maturity*) 0% 0% 50% 100% 7 Total ASF

Table 2 NSFR Worksheet – Calculation of RSF Components
RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Assets on the Balance Sheet Total HQLA for NSFR calculation
1.1 HQLA Level 1
1.1.1 Cash and cash equivalents 0% n.a
1.1.2 Placements at Bank Indonesia 0% 0% 0% 0%
1.1.3
HQLA Level 1 not including assets receiving RSF factors 0%
1.1.3.1 free from all claims
(unencumbered) n.a 5% 5% 5%
1.1.3.2 not free from all claims
(encumbered), based on remaining maturity of asset encumbrance n.a 5% 50% 100%
1.2 HQLA Level 2A
1.2.1 free from all claims
(unencumbered) n.a 15% 15% 15%
1.2.2 not free from all claims
(encumbered), based on remaining maturity of asset encumbrance n.a 15% 50% 100%
1.3 HQLA Level 2B

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor
1.3.1 free from all claims
(unencumbered) n.a 50% 50% 50%
1.3.2 not free from all claims
(encumbered), based on remaining maturity of asset encumbrance n.a 50% 50% 100% Deposits/placements of funds at other financial institutions for operational activities
2.1 free from all claims
(unencumbered)
50% 50% 50% 100%
2.2 not free from all claims
(encumbered)
50% 50% 50% 100%
2.2.1 remaining maturity of asset encumbrance < 6 months
50% 50% 50% 100%
2.2.2 remaining maturity of asset encumbrance ≥ 6 months
s.d < 1 year
50% 50% 50% 100%
2.2.3 remaining maturity of asset encumbrance ≥ 1 year
100% 100% 100% 100%
Financing categorized as Performing and Special Attention (performing) and Sharia securities that have not defaulted (default)

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1 Financing categorized as Performing and Special Attention (performing) provided to 3.1.1 financial institutions secured by HQLA Level 1 that meet the requirements
3.1.1.1 free from all claims
(unencumbered) n.a 10% 50% 100%
3.1.1.2 not free from all claims
(encumbered)
3.1.1.2.1 remaining maturity of asset encumbrance < 6
months n.a 10% 50% 100%
3.1.1.2.2 remaining maturity of asset encumbrance ≥ 6
months s.d < 1 year n.a 50% 50% 100%
3.1.1.2.3 remaining maturity of asset encumbrance ≥ 1
year n.a 100% 100% 100%
3.1.2
Financial institutions secured by non-HQLA Level 1 or not meeting certain requirements or unsecured

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor
3.1.2.1 free from all claims
(unencumbered) n.a 15% 50% 100%
3.1.2.2 not free from all claims
(encumbered)
3.1.2.2.1 remaining maturity of asset encumbrance < 6
months n.a 15% 50% 100%
3.1.2.2.2 remaining maturity of asset encumbrance ≥ 6
months s.d < 1 year n.a 50% 50% 100%
3.1.2.2.3 remaining maturity of asset encumbrance ≥ 1
year n.a 100% 100% 100%
3.1.3
Financial institutions and unsecured, including fund placements (without maturity and with maturity) at other financial institutions and not for operational activities
3.1.3.1 free from all claims
(unencumbered)
15% 15% 50% 100%
3.1.3.2 not free from all claims
(encumbered)

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.3.2.1 remaining maturity of asset encumbrance < 6 months n.a 15% 50% 100% 3.1.3.2.2 remaining maturity of asset encumbrance ≥ 6 months s.d < 1 year n.a 50% 50% 100% 3.1.3.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.4 Non-financial companies, retail customers and micro and small business customers, central government, foreign governments, Bank Indonesia, foreign central banks and public sector entities, including:
3.1.4.1 subject to risk weights
35% or less in
ATMR credit risk calculation
3.1.4.1.1 free from all claims
(unencumbered) n.a 50% 50% 65%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.4.1.2 not free from all claims (encumbered) 3.1.4.1.2.1 remaining maturity of asset encumbrance < 6 months n.a 50% 50% 65% 3.1.4.1.2.2 remaining maturity of asset encumbrance ≥ 6 months s.d < 1 year n.a 50% 50% 65% 3.1.4.1.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.4.2 subject to risk weights more than 35% in ATMR credit risk calculation
3.1.4.2.1 free from all claims
(unencumbered) n.a 50% 50% 85%
3.1.4.2.2 not free from
all claims
(encumbered)
3.1.4.2.2.1 remaining maturity of asset encumbrance <
6 months n.a 50% 50% 85%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.4.2.2.2 remaining maturity of asset encumbrance ≥ 6 months s.d < 1 year n.a 50% 50% 85% 3.1.4.2.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.5 Receivables (including financing) to Bank Indonesia and foreign central banks with remaining maturity less than 1 year other than securities issued or guaranteed by Bank Indonesia and foreign central banks
3.1.5.1 free from all claims
(unencumbered) n.a 0% 50%
3.1.5.2 not free from all claims
(encumbered)
3.1.5.2.1 remaining maturity of asset encumbrance < 6
months n.a 0% 50%
3.1.5.2.2 remaining maturity of asset encumbrance ≥ 6
months s.d < 1 year n.a 50% 50%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.5.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 3.1.6 Receivables to Bank Indonesia and foreign central banks (examples: Sharia securities issued by Bank Indonesia and foreign central banks)
3.1.6.1 free from all claims
(unencumbered) n.a 0% 5% 5%
3.1.6.2 not free from all claims
(encumbered)
3.1.6.2.1 remaining maturity of asset encumbrance < 6
months n.a 0% 5% 5%
3.1.6.2.2 remaining maturity of asset encumbrance ≥ 6
months s.d < 1 year n.a 50% 50% 50%
3.1.6.2.3 remaining maturity of asset encumbrance ≥ 1
year n.a 100% 100% 100%
3.1.7 Secured residential financing including:

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.7.1 subject to risk weights 35% or less in ATMR credit risk calculation
3.1.7.1.1 free from all claims
(unencumbered) n.a 50% 50% 65%
3.1.7.1.2 not free from
all claims
(encumbered)
3.1.7.1.2.1 remaining maturity of asset encumbrance <
6 months n.a 50% 50% 65%
3.1.7.1.2.2 remaining maturity of asset encumbrance ≥
6 months s.d < 1 year n.a 50% 50% 65%
3.1.7.1.2.3 remaining maturity of asset encumbrance ≥
1 year n.a 100% 100% 100%
3.1.7.2 subject to risk weights
more than 35% in
ATMR credit risk calculation
3.1.7.2.1 free from all claims
(unencumbered) n.a 50% 50% 85%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.1.7.2.2 not free from all claims (encumbered) 3.1.7.2.2.1 remaining maturity of asset encumbrance < 6 months n.a 50% 50% 85% 3.1.7.2.2.2 remaining maturity of asset encumbrance ≥ 6 months s.d < 1 year n.a 50% 50% 85% 3.1.7.2.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.2 Sharia securities that have not defaulted and non-HQLA as well as stocks traded on the stock exchange and non-HQLA, with certain conditions
3.2.1 free from all claims
(unencumbered) n.a 50% 50% 85%
3.2.2 not free from all claims
(encumbered)
3.2.2.1 remaining maturity of asset encumbrance < 6
months n.a 50% 50% 85%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 3.2.2.2 remaining maturity of asset encumbrance ≥ 6 months s.d < 1 year n.a 50% 50% 85% 3.2.2.3 remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% Assets with dependent liability counterparts 0% 0% 0% 0% 5 Other assets:
5.1
Physical commodities traded, including gold
85%
5.2
Cash, Sharia securities and other assets recorded as initial margin for Sharia hedging contracts and cash or other assets delivered as default fund to central counterparty (CCP) Max (85%, asset RSF factor)
5.3 NSFR net Sharia hedging assets
100% 100% 100%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor
5.4 20% Sharia hedging liabilities before deduction with
variation margin
100% 100% 100%
5.5 Trade date receivables 0% 0% 0% 0%
5.6 Financing or loans with Poor, Doubtful, and Loss (Non-Performing Financing) quality
100% 100% 100% 100%
5.7 Stocks not traded on the stock exchange
n.a 100% 100% 100%
5.8 Fixed assets n.a 100% 100% 100%
5.9 Capital deduction factors n.a 100% 100% 100%
5.10 Sharia securities that have defaulted
n.a 100% 100% 100%
5.11 Other assets not free from all claims (encumbered) follow RSF of assets when free from all claims
100%
5.12 Other assets not included in the above categories
100% 100% 100% 100%
6 Total Assets
Administrative Accounts
7 Commitment liabilities in the form of financing facilities and liquidity facilities that are irrevocable or 5% 5% 5%

RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
Without Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor conditionally revocable 8 financing facilities and liquidity facilities that are unconditionally revocable 0% 0% 0% 9 liabilities arising from trade finance instruments (including guarantees and letters of credit (L/C)) 3% 3% 3% 10 letters of credit (L/C) and guarantees not related to trade finance obligations 5% 5% 5% 11 non-contractual liabilities 5% 5% 5% 12 Total administrative account transactions 13 Total RSF 14 Net Stable Funding Ratio (%) (%)

b. Filling Guidelines

The column “Recorded Value Based on Remaining Maturity” is filled with:
a) recorded value of liabilities and equity for the calculation of available stable funding (ASF); or b) recorded value of assets and commitment values on administrative accounts for the calculation of required stable funding (RSF), referring to Financial Services Authority regulations regarding the obligation to comply with the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio (net stable funding ratio) for Sharia commercial banks and Sharia business units.
The column “Total Weighted Value” is filled with the sum of all recorded values after being multiplied by the ASF/RSF factor for each ASF and RSF component.
The calculation components of ASF and RSF refer to Financial Services Authority regulations regarding the obligation to comply with the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio (net stable funding ratio) for Sharia commercial banks and Sharia business units.

NSFR Report
a) Quantitative Information
(1) Report Format
NSFR Report
(in million Rupiah) Reporting Date Position (T) Previous Reporting Date Position (T-1) Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Available Stable Funding Components (Available Stable Funding - ASF) 1 Capital:
2 Capital according to POJK KPMM
3 Other capital instruments

(in million Rupiah) Reporting Date Position (T) Previous Reporting Date Position (T-1) Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year 13 NSFR net Sharia hedging liabilities 14 Other equity and liabilities not included in the above categories 15 Total ASF Required Stable Funding (Required Stable Funding - RSF) 16 Total HQLA for NSFR calculation 17 Deposits/placements of funds at other financial institutions for operational activities 18 Financing categorized as Performing and Special Attention (performing) and Sharia securities 19 to financial institutions secured by HQLA Level 1 20 to financial institutions secured by non-HQLA Level 1 and financing to financial institutions unsecured

(in million Rupiah) Reporting Date Position (T) Previous Reporting Date Position (T-1) Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Recorded Value Based on Remaining Maturity (In Million Rupiah) Total Weighted Value Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Without maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year 31 NSFR derivative liabilities before deduction with variation margin 32 All other assets not included in the above categories 33 Administrative Accounts 34 Total RSF 35 Net Stable Funding Ratio (%) (2) Filling Guidelines (a) The column “Reporting Date Position (T) - Recorded Value Based on Remaining Maturity (In Million Rupiah)” and the column “Previous Reporting Date Position (T-1) - Recorded Value Based on Remaining Maturity” are filled with:
i. recorded value of liabilities and equity for the calculation of available stable funding (ASF); or
ii. recorded value of assets and commitment values on administrative accounts for the calculation of required stable funding (RSF),
referring to Financial Services Authority regulations regarding the obligation to comply with the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio (net stable funding ratio) for Sharia commercial banks and Sharia business units.

(b) The "Total Weighted Value" column is filled with the sum of all recorded values after being multiplied by the ASF factor or RSF factor for each ASF and RSF component. (c) The calculation components for ASF and RSF refer to the Financial Services Authority regulations regarding the liquidity coverage ratio and net stable funding ratio requirements for Islamic commercial banks and Islamic business units. (d) The row "All other assets not included in the above categories" is filled with other assets not included in the above categories, including but not limited to commemorative coins and notes, purchased/taken-over travelers cheques, customer advances, collection claims, other claims, deferred income in the context of financing restructuring, receivables to be received, tax advances, prepaid expenses, deferred expenses, and government program support.

b) Qualitative Information
(1) Report Format
NSFR Development Analysis
Individual Analysis
Consolidated Analysis

(2) Filling Guidelines
BUS submits individual and consolidated NSFR development analysis in portable document format (.pdf).
Individual and consolidated NSFR development analysis explains at least:

Main factors affecting the published NSFR;

a) changes in bank funding or intermediation strategy; b) shifts in funding structure (e.g., from short-term to long-term funds); c) relevant market or economic conditions; and d) management decisions impacting the bank's balance sheet structure; and
2) Composition of interdependent assets and liabilities in accordance with Financial Services Authority regulations regarding the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Islamic business units, as well as the degree of linkage between such transactions.
These assets and liabilities must meet contractual conditions that:
a) liabilities will not mature while the related assets are still recorded in the financial position report; b) principal payment flows from related assets can only be used to settle related liabilities; and c) related liabilities cannot be used to finance other assets.

J. ASSET QUALITY REPORT AND PPKA FORMATION - BUS CONSOLIDATED The format and filling guidelines for the Asset Quality and PPKA Formation Report - BUS Consolidated are in accordance with the Financial Services Authority Circular regarding prudential principles and reports in the context of implementing consolidated risk management for banks exercising control over subsidiaries.

K. SURVIVAL PERIOD MONITORING REPORT
The format and filling guidelines for the Survival Period Monitoring Report are in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

L. RISK PROFILE REPORT
The Risk Profile Report is a report in accordance with Financial Services Authority regulations regarding the implementation of risk management for Islamic commercial banks and Islamic business units. The Risk Profile Report submitted by BUS consists of 2 (two) pieces of information, namely:

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

b. Filling Guidelines
The procedure for assessing the bank's risk profile is in accordance with Financial Services Authority regulations regarding the implementation of risk management for Islamic commercial banks and Islamic business units.

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

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

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

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

No. Composite Rating for Risk Level Rating Code

Rating 1 1
Rating 2 2
Rating 3 3
Rating 4 4
Rating 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 at the BUS.

Supporting Documents
a. Supporting documents contain information including:

Risk analysis worksheets containing at least the following:
a) Risk Rating: Final conclusion regarding the Bank's risk level, encompassing inherent risk level and risk management implementation quality, thereby describing the Bank'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 Bank's inherent risk level. c) Risk Management Implementation Quality: Analysis of Risk Management Implementation Quality consists of risk governance; risk management framework; risk management process, HR, and risk management information systems and risk control.
Information on bank transactions with related parties on an individual basis that are material, i.e., transactions exceeding 0.25% of core capital. The scope of related parties and the scope of related party transactions are regulated in the Financial Services Authority Circular regarding the governance of commercial banks. The Financial Services Authority may request more detailed and specific information when necessary.
b. Documents are uploaded in portable document format (.pdf) that can be further processed.

M. INTERNAL AUDIT IMPLEMENTATION AND MAIN AUDIT RESULTS REPORT The internal audit implementation and main audit results report is in accordance with Financial Services Authority Regulations regarding the implementation of the internal audit function in commercial banks. The internal audit implementation and main audit results report consists of 2 (two) forms, namely:

Internal Audit Summary covering significant internal audit findings; and
Internal Audit Implementation and Main Audit Results Report.
Internal Audit Summary
a. Report Format
Activity Object/Audit Scope Audit Execution Time External Party Usage Audit Findings SKAI Recommendations on Audit Findings Auditee Response to Audit Results SKAI-Determined Auditee Follow-up on Audit Findings Auditee Commitments Agreed by SKAI SKAI Monitoring Results of Auditee Commitments Regarding Realization of Promised Commitments by Auditee

b. Filling Guidelines

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

Financing 1
Treasury 2
Operations 3
Payment System 4
Funding 5
AML CFT and PPSPM 6
Subsidiaries 7
Sharia Principle Fulfillment 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 Execution Time
Filled with the audit execution period, i.e., the date the audit started and the date the audit ended in yyyymmdd - yyyymmdd format. For example, an audit period executed from January 1, 2027 to March 31, 2027 is filled as 20270101 – 20270331.
External Party Usage
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 findings.
Auditee Response to Audit Results
Filled with the auditee's explanation regarding audit findings.
SKAI-Determined Auditee Follow-up on Audit Findings
Filled with follow-up actions implemented by the auditee regarding audit findings.
Auditee Commitments Agreed by SKAI
Filled with a description of the auditee's commitment to follow up on audit findings to resolve or improve findings agreed upon by SKAI.
SKAI Monitoring Results of Auditee Commitments Regarding Realization of Promised Commitments by Auditee
Filled with the realization of follow-up commitments to be implemented by the auditee and the monitoring results by SKAI regarding the auditee's commitments.

Internal Audit Implementation and Main Audit Results Report
a. Information reported in the internal audit implementation and main audit results report includes:

audit findings;
SKAI recommendations on audit findings;
auditee response to audit results;
SKAI-determined auditee follow-up on audit findings;
auditee commitments agreed by SKAI;
SKAI monitoring results of auditee commitments regarding 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) that can be further processed.

N. SELF-ASSESSMENT REPORT ON BANK HEALTH LEVEL The self-assessment report on the Bank's health level is a report in accordance with Financial Services Authority Regulations regarding the assessment of the health level of Islamic commercial banks and Islamic business units. BUS prepares the self-assessment report on the Bank's health level individually and in consolidation. The self-assessment report on the Bank's health level consists of 2 (two) pieces of information, namely:

Self-assessment of the bank's health level; and
Supporting documents.
Self-Assessment of Bank Health Level
a. Report Format
Table 1 Bank Health Level Assessment Results
No. Assessment Factor Rating
Risk Profile
Governance
Profitability
Capitalization
Bank Health Level Rating
Overall Bank Condition Analysis
Profitability Analysis
Capitalization Analysis
Table 2 Risk Profile Factor Assessment
Risk Profile Inherent Risk Rating Risk Management Implementation Quality Rating Risk Level Rating Credit Risk Market Risk Liquidity Risk Operational Risk Legal Risk Reputational Risk Strategic Risk Compliance Risk Yield Risk Investment Risk Composite Rating Analysis

Table 3 Governance Factor Assessment
Self-Assessment Results of Governance Implementation Rating Definition Rating Governance Assessment Analysis

b. Filling Guidelines
The procedure for self-assessment of the Bank's health level is in accordance with the Financial Services Authority Circular regarding the assessment of the health level of Islamic commercial banks and Islamic business units.

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

Rating 1 1
Rating 2 2
Rating 3 3
Rating 4 4
Rating 5 5
b) Bank Health Level Rating is filled with reference codes as follows:
No. Bank Health Level Rating Code
PK-1 1
PK-2 2
PK-3 3
PK-4 4
PK-5 5
c) The "Overall Bank Condition Analysis" column is filled with a brief description of the overall BUS condition reflected from the four health level assessment factors, namely risk profile analysis, governance implementation analysis, profitability analysis, and capitalization analysis. d) The "Profitability Analysis" column is filled with a brief description of BUS profitability performance considering the profitability assessment factor. In the event that BUS has consolidated subsidiaries, BUS considers the impact of the subsidiary's profitability performance on BUS's overall profitability by considering the significance and materiality of the subsidiary. e) The "Capitalization Analysis" column is filled with a description of BUS capitalization performance considering the capitalization assessment factor. In the event that BUS has consolidated subsidiaries, BUS considers the impact of the subsidiary's capitalization performance on BUS's overall capitalization by considering the significance and materiality of the subsidiary.

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

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Risk Management Implementation Quality Rating Code
Strong 1
Satisfactory 2
Fair 3
Marginal 4
Unsatisfactory 5
No. Risk Level Rating Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
b) The "Composite Rating" row for Inherent Risk Rating, Risk Management Implementation Quality Rating, and Risk Level Rating is filled with reference codes as follows:
No. Composite Rating for Inherent Risk Rating Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5
No. Composite Rating for Risk Management Implementation Quality Rating Code
Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5

No. Composite Rating for Risk Level Rating Code

Rating 1 1
Rating 2 2
Rating 3 3
Rating 4 4
Rating 5 5
c) The analysis table is filled with a description of the bank's overall risk, including assessments of inherent risk and risk management implementation quality, focusing on significant risk exposures at the BUS.

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

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

Minimum Capital Requirement (KPMM) calculations based on individual risk profiles in accordance with Financial Services Authority Regulations regarding minimum capital requirements for Islamic commercial banks;
Risk analysis assessments including:
a) Risk Rating: Final conclusion regarding the BUS risk level, encompassing inherent risk level and risk management implementation quality, thereby describing the BUS 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 BUS inherent risk level; c) Risk Management Implementation Quality: Analysis of risk management implementation quality consists of risk governance framework, risk management process, HR, and risk management information systems, as well as risk control;
more detailed explanations/descriptions of the analysis presented in the self-assessment of the BUS health level (if any); and
information on bank transactions with related parties on an individual basis that are material, i.e., transactions exceeding 0.25% (zero point two five percent) of core capital. The scope of related parties and the scope of related party transactions are regulated in the Financial Services Authority Circular regarding the governance of commercial banks. The Financial Services Authority may request more detailed and specific information when necessary.
b. Documents are uploaded in portable document format (.pdf) that can be further processed.

O. COMPLIANCE REPORT
The Compliance Report is in accordance with Financial Services Authority Regulations regarding the implementation of the compliance function in 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 expected to be faced in the future Compliance risk mitigation measures implemented Other aspects

b. Filling Guidelines

The Compliance Report Summary is filled with a brief description regarding the implementation of compliance function duties, compliance risks faced, potential compliance risks expected to be faced in the future, compliance risk mitigation measures 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 a Compliance Report in accordance with Financial Services Authority regulations regarding the implementation of the compliance function in commercial banks. b. The document is uploaded in portable document format (.pdf) that can be further processed.

P. ANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING REPORT (AML AND CFT) AML and CFT Report

The AML and CFT 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) 2. Products, Activities, and Distribution Networks Semi-Annual III (at the end of the month in the second month following) 3. Customer Composition Based on Risk Semi-Annual III (at the end of the month in the second month following)

If data is reported in foreign currency, it is converted to Rupiah using the Bank Indonesia middle exchange rate at the closing of the data position for the Report.

Format of Forms and Filling Guidelines for AML and CFT Report

PEP Customers and Prime Customers
The PEP Customers and Prime Customers form is a form containing information regarding the total nominal Third Party Funds (DPK) at BUS owned by PEP customers and prime customers, as well as the total number of customers in each category. a. Form Format PEP Customers and Prime Customers Form No. Customer Type Nominal Quantity
Domestic PEP Customers
Foreign PEP Customers
Total PEP Customers
Domestic Prime Customers
Foreign Prime Customers
Total Prime Customers

b. Filling Guidelines

Customer Type
Filled with customer classification based on determined criteria, namely:
a) Politically Exposed Person (PEP) is a PEP in accordance with Financial Services Authority Regulations regarding the implementation of anti-money laundering and counter-terrorism financing programs in the financial services sector. PEP Customers are divided into:
(1) domestic PEP customers; and
(2) foreign PEP customers. b) Prime Customers are prime customers in accordance with Financial Services Authority Regulations regarding the implementation of risk management in commercial banks providing prime customer services. Prime Customers are divided into:
(1) domestic prime customers; and
(2) foreign prime customers.
c. PEP customers and prime customers are each divided into domestic customers (Indonesian citizens) and foreign customers (non-Indonesian citizens).
d. In the event that a PEP customer is also a prime customer, BUS reports the customer as both a PEP customer and a prime customer.
Nominal
Filled with the total nominal DPK owned by customers listed in the contract (nominal value). DPK Nominal is the sum of customer DPK in Rupiah and foreign currency converted to Rupiah.
Quantity
Filled with the number of customers calculated based on the number of counterparty IDs at the data position for the Report.

Products, Activities, and Distribution Networks Form
The Products, Activities, and Distribution Networks form is a form containing information regarding the total volume and frequency of transactions for certain products, activities, and distribution networks owned by BUS. a. 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

b. Filling Guidelines

Type of Product, Activity, and Distribution Network
a) International fund transfer is a fund transfer in accordance with the Law on Fund Transfer. International fund transfer consists of:
(1) incoming international fund transfer, i.e., funds entering Indonesian territory with the reporting BUS customer acting as the ultimate recipient of funds sent by the originating sender organizer

that are located outside the territory of Indonesia; and (2) outgoing international fund transfers, namely funds leaving the territory of Indonesia with the Islamic Business Unit (BUS) reporting entity acting as the original sender of the funds sent to the final recipient organizer located outside the territory of Indonesia. Incoming or outgoing international fund transfer transactions include international incoming or outgoing fund transfers of the BUS through sender or recipient organizers, whether banks or non-banks (including Money Gram and Western Union). b) Cross-border correspondent banking (vostro), namely the reporting BUS acting as a correspondent to a BUS located outside the territory of Indonesia. Meanwhile, correspondent banking refers to 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 incoming fund transactions and outgoing fund transactions from the BUS's vostro account (accumulation of transactions). Debit mutations are summed with credit mutations. c) Distribution Network refers to the distribution network in accordance with the Financial Services Authority Circular regarding the implementation of anti-money laundering and counter-terrorism financing programs in the banking sector. The distribution network is divided into 2 (two) types, namely:
(1) face-to-face distribution network, where transactions between customers and the BUS are conducted in-person, namely in the same physical location and conducted through physical interaction. For example, transactions conducted by customers at the BUS office through tellers and transactions conducted by customers through pick-up service; and (2) non-face-to-face distribution network, where transactions between customers and the BUS are not conducted in-person, namely not in the same physical location and not conducted through physical interaction. For example, transactions via telephone, electronic mail, electronic banking terminals, mobile banking, video, and internet banking. Face-to-face distribution network and non-face-to-face distribution network transactions include all financial transactions conducted by customers on the BUS distribution network as long as:
(1) the transaction adds or reduces the nominal amount of funds owned by the customer; and (2) does not include account mutations arising from profit-sharing, tax burdens, zakat, and BUS administrative fees.
2) Volume
Filled with the total nominal value of transactions over a period of 6 (six) months (one semester).

Transfer Frequency
Filled with the total number of transactions over a period of 6 (six) months (one semester).

Customer Composition by Risk Form
a. The Customer Composition by Risk Form is a form for grouping customers based on the level of risk of money laundering and/or terrorism financing 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. b. In the event that the customer grouping by risk by the BUS differs from the customer grouping by risk in the APU and PPT Report, the BUS adjusts the customer risk level to low, medium, or high in accordance with the customer grouping by risk in the APU and PPT Report. Example: Customer grouping by risk by the BUS is conducted in a range of 1 to 7, the BUS maps the customer grouping by risk mentioned in the APU and PPT Report into high, medium, and low risk levels as shown in the following table:
Customer Grouping by Risk by BUS | Customer Grouping by Risk in APU and PPT 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
c. Format
Customer Composition by Risk Form
Customer Grouping by Risk by BUS | Customer Grouping by Risk in APU and PPT Report | Number of Customers d. Filling Guidelines

Customer Grouping by Risk by BUS
Filled in accordance with the results of the BUS risk assessment regarding the risk of money laundering and/or terrorism financing against its customers, where the range of customer risk levels may not only be low, medium, and high.
Customer Grouping by Risk in APU and PPT Report
a) Filled with a character of 1 (one) digit in accordance with the customer group code. b) Data filling reference:
No. | Customer Group | Code

Low risk of money laundering and/or terrorism financing |
Medium risk of money laundering and/or terrorism financing |
High risk of money laundering and/or terrorism financing |

Number of Customers
Filled with the total number of customers calculated based on the number of counterparty IDs as of the data position in the Report. In the event that the customer grouping by risk by the BUS differs from the customer grouping by risk in the APU and PPT Report, the BUS adjusts the customer risk level to low, medium, or high in accordance with the customer grouping by risk in the APU and PPT Report.

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

R. REPORT ON THE RESULTS OF SHARIA SUPERVISORY BOARD SUPERVISION Report on the Results of Sharia Supervisory Board (DPS) Supervision in accordance with the Financial Services Authority Circular regarding the implementation of Sharia governance for Sharia commercial banks and Sharia business units, which includes information at least regarding:

DPS supervision results regarding policies and the course of management by the Board of Directors related to the implementation of Sharia principles;
DPS Sharia advice and opinions to the BUS Board of Directors, including the results of consultation services and opinions to the Sharia compliance function, Sharia risk management function, and Sharia internal audit function;
opinions regarding the fulfillment of Sharia principles to the committee supporting the implementation of the duties of the Board of Commissioners; and
other tasks carried out by the DPS (if any).
This report is uploaded in portable document format (.pdf) which can be processed further.

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

III. GROUP OF PRODUCT, ACTIVITY AND BUSINESS ACTIVITY INFORMATION
A. REPORT ON THE DEVELOPMENT OF LAKU PANDAI IMPLEMENTATION Report on the development of Laku Pandai implementation, namely a Report in accordance with the Financial Services Authority Regulation regarding financial services without offices in the context of financial inclusion by banks.

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

Bank Code
Filled in accordance with the Bank Code.
Identity Number
Filled with the identity number in accordance with that stated in identity documents, such as National Identity Number (NIK) for individual agents and 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/district code - 1 (one) digit of individual agent or business code in accordance with the agent type reference - agent number. Example:
451-0391-1-00000001. b) The composition of the BUS agent number starts with the number "2".
Example:
451-0391-1-20000002 is the agent identification number for an agent with Sharia principles.
Agent Name
a) For agents that are individuals, filled with the name stated in the identity document (without academic title abbreviations, status, and religious titles). b) For agents that are legal entities, 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 agents that are individuals, filled with 1 (one) digit in accordance with the gender reference as follows:
No. | Description | Code

Male | L
Female | P
b) For agents that are legal entities, 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.
Implementation Date
Filled with the implementation date in "yyyymmdd" format.
Agent Type
Filled with 1 (one) digit in accordance with the agent type reference as follows:
No. | Description | Code

Individual | 1
Legal Entity | 2

Agent Classification
Filled with 1 (one) letter digit in accordance with the agent classification reference as regulated in the Financial Services Authority Regulation regarding financial services without offices 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 sectors 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) District/City Filled with the district/city code where the agent is located in accordance with the district/city reference in the provisions of legislation regarding integrated commercial bank reports.
Electronic Device Used
Filled with 1 (one) digit in accordance with the electronic device reference used as follows:
No. | Electronic Device | Code

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

Other Services
a) In addition to providing services and products from the Laku Pandai organizing 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) The BUS 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 BUS location of employees established by each BUS and/or Bank Indonesia.
Agent Status
Filled with 1 (one) digit in accordance with the agent status reference as follows:
No. | Agent Status | Code

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

Agent Development
a) Filled with 3 (three) digits in accordance with 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 | 104
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 end 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".

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

Form 02B - Quantitative Data on Laku Pandai Implementation
a. Report Format
Quantitative Data on Laku Pandai Implementation Agent Identification Number | Total BSA Openings | Number of Accounts | Contract Type | Initial Deposit Nominal | Total BSA Cash Deposits | Total BSA Cash Withdrawals | Total BSA Bill Payments | Transaction Frequency | Nominal | Transaction Frequency | Nominal | Transaction Frequency | Nominal | Total BSA Transfers | Total BSA Interbank Transfers | Total BSA Closures | Transaction Frequency | Nominal | Transaction Frequency | Nominal | Number of Accounts | Nominal | Total Micro Financing Applications by BSA Customers | Total Non-BSA Cash Deposits | Number of Debtors | Contract Type | Nominal | Transaction Frequency | Nominal | Total Non-BSA Cash Withdrawals | Total Non-BSA Bill Payments | Total Non-BSA Transfers | Transaction Frequency | Nominal | Transaction Frequency | Nominal | Transaction Frequency | Nominal | Total Non-BSA Interbank Transfers | 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) Contract Type Filled in accordance with the reference for Savings Opening Contract Type. If the number of accounts is 0, the contract type code is left blank. If the number of accounts is more than 0, the contract type must be filled. Reference for Savings Opening Contract Type:
No. | Description | Code

Mudarabah | 01
Wadiah | 02
Others | 99
c) 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.
Transaction Frequency
Filled with the number of BSA transactions related to transfers.
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 Financing Applications by BSA Customers
Total Micro Financing Applications by BSA Customers is the total micro financing applications by BSA customers in the reporting period. a) Number of Debtors Filled with the number of debtors who applied for micro financing. b) Contract Type Filled in accordance with the reference for Micro Financing Application Contract Type. If the number of debtors is 0, the contract type code is left blank. If the number of debtors is more than 0, the contract type must be filled. Reference for Micro Financing Application Contract Type:
No. | Description | Code

Mudarabah | 01
Musyarakah | 02
Musyarakah Mutanaqisah | 03
Ijarah | 04
Ijarah Muntahiya Bittamlik | 05
Multijasa - Education | 06
Multijasa - Worship | 07
Multijasa - Health | 08
Multijasa - Marriage | 09
Multijasa - Others | 10
Murabahah Receivables | 11
Istishna Receivables | 12
Salam | 13
Qardh | 14
Other Profit-Sharing Financing | 15
Others | 99
c) Nominal
Filled with the total nominal amount of micro financing 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 03B - Other Quantitative Data in Laku Pandai Implementation Without Agents
a. Report Format
Other Quantitative Data in Laku Pandai Implementation Without Agents Bank Office Code | District/City | Total BSA Savings Openings | Number of Accounts | Contract Type | Initial Deposit Nominal | Total BSA Cash Deposits | Total BSA Cash Withdrawals | Total BSA Bill Payments | Total BSA Transfers | Total BSA Interbank Transfers | Total BSA Closures | Total Micro Financing Applications by BSA Customers | Number of Accounts | Nominal | Number of Debtors | Contract Type | Nominal b. Filling Guidelines This form is filled with BSA account transactions conducted at the Bank office network (without through Laku Pandai agents).

Bank Office Code
Filling guidelines refer to the "Bank Office Code" column in Form 010.
District/City
Filled with the district/city code referring to the reference list of district/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) Contract Type Filled in accordance with the reference for Savings Opening Contract Type. If the number of accounts is 0, the contract type code is left blank. If the number of accounts is more than 0, the contract type must be filled. Reference for Savings Opening Contract Type:
No. | Description | Code

Mudarabah | 01
Wadiah | 02
Others | 99
c) 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 transfer from BSA accounts in Rupiah in full units.

Total BSA Closures
Total BSA Closures refers to the total BSA closures during 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-Financing Applications by BSA Customers
Total Micro-Financing Applications by BSA Customers refers to the total micro-financing applications by BSA customers during the reporting period. a) Number of Debtors Filled with the number of debtors who submitted micro-financing applications. b) Type of Contract (Akad) Filled according to the reference for Type of Contract for Micro-Financing Applications. If the number of debtors is 0, the contract type code is left blank. If the number of debtors is greater than 0, the contract type is filled. Reference for Type of Contract for Micro-Financing Applications:
No. Description Code

Mudarabah 01
Musyarakah 02
Musyarakah Mutanaqisah 03
Ijarah 04
Ijarah Muntahiya Bittamlik 05
Multijasa - Education 06
Multijasa - Worship 07
Multijasa - Health 08
Multijasa - Marriage 09
Multijasa - Others 10
Murabahah Receivables 11
Istishna Receivables 12
Salam 13
Qardh 14
Other Profit-Sharing Financing 15
Others 99
c) Nominal
Filled with the total nominal value of micro-financing applications in Rupiah in full units.
Form 04B - Data on Service Rejections in the Implementation of Laku Pandai
a. Report Format
Service Rejections in the Implementation of Laku Pandai Agent Identification Number Type of Rejection Number of Transactions Number of Accounts Type of Contract Reason Description

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 reference for types of rejection as follows:
No. Agent Status Code

Total Rejection of BSA Account Opening 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-Financing 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", this column must be filled; otherwise, it is 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", this column must be filled; otherwise, it is left blank.
Type of Contract (Akad)
Filled according to the reference for Type of Contract for Micro-Financing Applications. If the number of debtors is 0, the contract type code is left blank. If the number of debtors is greater than 0, the contract type is filled. Reference for Type of Contract for Micro-Financing Applications:
No. Description Code

Mudarabah 01
Musyarakah 02
Musyarakah Mutanaqisah 03
Ijarah 04
Ijarah Muntahiya Bittamlik 05
Multijasa - Education 06
Multijasa - Worship 07
Multijasa - Health 08
Multijasa - Marriage 09
Multijasa - Others 10
Murabahah Receivables 11
Istishna Receivables 12
Salam 13
Qardh 14
Other Profit-Sharing Financing 15
Others 99

Reason
Filled with references according to the reference for rejection reasons 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 would exceed debit account limit 6
Dormant account not yet reactivated 7
Transaction conducted by unauthorized party 8
Financial transaction with suspicious potential 9
Suspected counterfeit money 10
Others (specify) 11

Description
a) Filled with a brief description, including the reason for rejection. b) If the "Reason" column in Form 04A is filled with code "11", 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 Official 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 reference for agent violations as follows:
No. Agent Violation Code

Charging additional fees to customers other than fees set by the Organizing Bank. 02
Offering financial services other than those agreed upon in the cooperation agreement with the Organizing Bank/Other Financial Service Institution/Competent Agency. 02
Fraud, dishonesty, and/or other abuse by the Agent. 03
Other issues (specify). 99

Cause of Violation
a) Filled with a brief description of the cause of the violation with a maximum input of 300 characters. b) If the "Agent Violation" column in Form 060 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.
Follow-up
Filled with a brief description of the follow-up actions taken to address the agent's violation.
Name of Bank Official Responsible for Follow-up
a) Filled with the name of the BUS official responsible for the follow-up handling of the agent's violation. b) Filled with the name as stated in the identity document (without abbreviations of academic titles, status, and religious titles).

Form 070 - Report on Laku Pandai Agent Issues and Follow-up on Resolution
a. Report Format
Report on Laku Pandai Agent Issues and Follow-up on Resolution Agent Identification Number Agent Issue Obstacle/Cause of Issue Indication of Loss Amount Follow-up on Resolution Bank Official Responsible for Resolution

b. Filling Guidelines
This form is filled with issues 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 Issue
Filled with 2 (two) digits according to the reference for agent issues as follows:
No. Agent Issue Code

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

Obstacle/Cause of Issue
a) Filled with a brief description of other obstacles experienced by the agent. b) If the "Agent Issue" column in Form 070 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.
Follow-up on Resolution
Filled with a brief description of the follow-up actions taken to address the issues faced by the agent.
Bank Official Responsible for Resolution
a) Filled with the name of the BUS official responsible for handling the issues faced by the agent. b) Filled with the name as stated in the identity document (without abbreviations of academic titles, status, and religious titles).

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

b. Filling Guidelines
This form is filled with issues 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 Issue
Filled with 2 (two) digits according to the reference for customer issues as follows:
No. Customer Issue Code

System Disturbance 01
Communication Network Disturbance 02
Other Obstacles 99

Obstacle/Cause of Issue
a) Filled with a brief description of other obstacles experienced by the customer. b) If the "Customer Issue" column 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 in "yyyymmdd" format.
Date of Complaint Resolution
Filled with the date of complaint resolution in "yyyymmdd" format.
Follow-up on Resolution
Filled with a brief description of the follow-up actions taken to address customer issues.
Bank Official Responsible for Resolution
a) Filled with the name of the BUS official responsible for handling the issues experienced by the customer. b) Filled with the name as 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) Male Female Total Outstanding Number of BSA Savings (in Rupiah) Outstanding Number of Individual Agents Male Female Total Outstanding Number of Legal Entity Agent Outlets Outstanding Number of BSA Customers Receiving Micro-Financing Male Female Total Outstanding Micro-Financing to BSA Customers 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 of the agent's location according to the reference for regencies/cities in regulations on 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 Number 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-Financing
Filled with the outstanding number of BSA customers receiving micro-financing grouped by gender (male, female, and total).
Outstanding Micro-Financing to BSA Customers
Filled with the outstanding micro-financing to BSA customers in full Rupiah units and grouped by gender (male, female, and total).

B. IT DEVELOPMENT PLAN
The format and filling guidelines for the IT development plan refer to the OJK Circular on 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 OJK Circular on 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 monthly by BUS containing information regarding the details of the office network owned by BUS. The reported data 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
Branch Office Code
Parent Office Code
Office Code
Office Name
Address
Office Coordinates
Latitude
Longitude
Regency/City
Postal Code
Phone Number
Office Opening License Letter Number
Office Opening License Letter Date
Office Operational Effective Date
Office Status Change License Letter Number
Office Status Change License Letter Date
Office Status Change Effective Date
Office Closure License Letter Number
Office Closure License Letter Date
Office Closure Effective Date
Office Relocation License Letter Number
Office Relocation License Letter Date
Office Relocation Effective Date
Number of Employees/Electronic Banking Terminals Mass Media Publication Date Status Data Description
Filling Guidelines
a. Office Status

Filled with 2 (two) digit characters according to the office status code.
Definition of BUS office status according to regulations on Islamic general banks.
In the case where the office status is "Electronic Banking Terminal" (code 63), only the office opening, relocation, and closure columns can be filled (cannot fill the status change column).
Data filling reference:
No. Office Status Code

Islamic General Bank Operational Headquarters 51
Islamic General Bank Non-Operational Headquarters 52
Islamic General Bank Regional Office 53
Islamic General Bank Branch Office (Domestic) 54
Islamic General Bank Branch Office (Foreign) 55
Islamic General Bank Sub-Branch Office (Domestic) 56
Islamic General Bank Sub-Branch Office (Foreign) 57
Islamic General Bank Cash Office 58
Islamic General Bank Functional Office 59
Islamic General Bank Payment Point 60
Islamic General Bank Mobile Cash/Car Cash/Floating Cash*) 61
Islamic General Bank Representative Office Abroad 62
Islamic General Bank Electronic Banking Terminal 63
General Bank Sharia Service 64
b. Parent Branch Office Code
Filled with 3 (three) digit numbers according to the parent office code. The parent branch office code is as determined by Bank Indonesia. If the "Office Status" column is filled with "Islamic General Bank Operational Headquarters" (code 51), "Islamic General Bank Branch Office (Domestic)" (code 54), or "Islamic General Bank Branch Office (Foreign)" (code 55), this column must be filled with the code of that office itself.
c. Office Code

Filled with 9 (nine) digit numbers that must be unique as the identity of that office in the reporting BUS, established by each BUS and/or Bank Indonesia, with the following provisions:
a) BUS office code is xxxyyyyyy; b) for office codes established by the BUS, xxx is filled with 3 (three) digits of the parent office code established by Bank Indonesia, and yyyyyy is filled according to each BUS's policy; and c) for BUS 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 office code for Bandung branch from Bank Indonesia, which is 999. The code is converted to 9 (nine) digits, i.e., 999000000. Bank "A" then establishes the KCP code in the Ciumbuleuit area in Bandung city with code 999005000.
The office code is used consistently by the respective office from inclusion in the bank's business plan, implementation of business activities, status changes, address moves, to 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) unit of electronic banking terminal owned by the BUS at a location, data is reported each with 1 (one) office code.
Office code filling procedure as follows:
a) an opened office code cannot be opened again; b) a relocated office code cannot be opened again; c) a closed office code cannot be closed again; or d) a closed or deleted office code cannot be used again as an opened, relocated, status-changed, or re-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 is the latitude coordinate point showing the office location in decimal degree format. This column is filled with numeric characters, period (.), comma (,), and/or hyphen (-). Example: Latitude of BUS "A" Bekasi branch office is located at 6°10'55.4"S, BUS reports as -6.182057.
Longitude is the longitude coordinate point showing the office location in decimal degree format. This column is filled with numeric characters, period (.), comma (,), and hyphen (-). Example: Longitude of BUS "A" Bekasi branch office is located at 106°49'18.1"E, BUS 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 on integrated general bank reports. h. Postal Code Filled with the postal code of the office address.
i. Phone Number
Filled with numbers up to 15 (fifteen) digits including area code.
Phone numbers are filled completely with area code. For foreign numbers, country code is included.
If the "Office Status" column is filled with "Islamic General Bank Mobile Cash/Car Cash/Floating Cash" (code 61) or "Islamic General Bank Electronic Banking Terminal" (code 63), this column is left blank.
j. Office Opening License Letter Number
Filled with the number of the license letter or confirmation letter for office opening from the OJK. k. Office Opening License Letter Date
Filled with the date of the license letter or confirmation letter for office opening from the OJK as 8 (eight) digit numbers in "yyyymmdd" format.
The office opening license letter date must be earlier than or equal to the office operational effective date, and earlier than the license letter date and effective date of relocation, status change, and/or office closure.
l. Office Operational Effective Date
Filled with the date of office operational implementation as 8 (eight) digit numbers in "yyyymmdd" format.
The office operational effective date must be earlier than the license letter date and effective date of relocation, status change, and/or office closure.
m. Office Status Change License Letter Number
Filled with the number of the license letter or confirmation letter for status change from the OJK. If the "Office Status" column is filled with "Islamic General Bank Electronic Banking Terminal" (code 63), this column is left blank. n. Office Status Change License Letter Date Filled with the date of the license letter or confirmation letter for status change from the OJK as 8 (eight) digit numbers in "yyyymmdd" format. If the "Office Status" column is filled with "Islamic General Bank Electronic Banking Terminal" (code 63), this column is left blank. o. Office Status Change Effective Date Filled with the date of office status change realization as 8 (eight) digit numbers in "yyyymmdd" format. If the "Office Status" column is filled with "Islamic General Bank Electronic Banking Terminal" (code 63), this column is left blank. p. Office Closure License Letter Number Filled with the number of the license letter or confirmation letter for office closure from the OJK. q. Office Closure License Letter Date
Filled with the date of the license letter or confirmation letter for closure from the OJK as 8 (eight) digit numbers in "yyyymmdd" format.
The office closure license letter date must be earlier than or equal to the effective closure date, and later than the license letter date and effective date of opening, relocation, and/or status change of the office.
r. Office Closure Effective Date
Filled with the date of office closure implementation as 8 (eight) digit numbers in "yyyymmdd" format.
The effective closure date must be later than the license letter date and effective date of opening, relocation, and/or status change of the office.
s. Office Relocation/Address Change License Letter Number Filled with the number of the license letter or confirmation letter for office address change from the OJK. t. Office Relocation License Letter Date Filled with the date of the license letter or confirmation letter for office address change from the OJK as 8 (eight) digit numbers in "yyyymmdd" format. u. Office Relocation Effective Date Filled with the date of office address change realization as 8 (eight) digit numbers in "yyyymmdd" format.
v. Number of Employees/Electronic Banking Terminals
Filled with a number stating the number of employees or number of electronic banking terminals for each office, excluding employees or electronic banking terminals that have been reported by offices with status below that office.
The number of employees includes permanent employees, non-permanent employees employed directly by the BUS, and non-permanent employees employed through outsourcing companies.
If the "Office Status" column is filled with "Islamic General Bank Electronic Banking Terminal" (code 63), this column is filled with the number "1".
w. Mass Media Publication Date
Filled with the date of inclusion regarding office opening, address change, or office closure in mass media as 8 (eight) digit numbers in "yyyymmdd" format.
x. Description
Filled with information related to the office network data. For example, if there is a change in office status requiring a new office code, and additional address information.
In the case where the "Office Status" column is filled with "Islamic General Bank Electronic Banking Terminal" (code 63), this column is filled with 2 (two) digit characters according to the electronic banking terminal status code.
Data filling reference:
No. 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. Status Data

Filled with characters totaling 3 (three) digits according to the data status code.
Data filling reference:
No. Data Status Description Code

New
Used for offices that have never been reported. This reference includes changes in office status from KCP to KC or vice versa. For new offices, the data status is filled with "New".
Unchanged
Used for offices that have not changed from the previous Report position. This reference includes changes in filling the "Head Office Branch Code" (affiliation), "Office Name", "Address" due to street name changes, "Regency/City", "Postal Code", "Telephone 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 office relocation and changes in office status.
Deletion
Used for offices that were previously reported, then closed or ceased to be an old office. This reference includes changes in office status from KCP to KC branch office or vice versa. For old offices, the data status is filled with "Deletion".

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

detailed list of related parties with the Bank in accordance with the Financial Services Authority Regulation regarding maximum fund disbursement limits and large fund disbursement for Islamic commercial banks;
the 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 in accordance with the Financial Services Authority Regulation regarding the application of Sharia governance for Islamic commercial banks and Sharia business units; and
changes in the Board of Directors and/or Board of Commissioners of the Bank's controlling shareholder in the form of a legal entity in accordance with the Financial Services Authority Regulation regarding Islamic commercial banks.
The report on the detailed list of related parties consists of 2 (two) information items, namely:
The detailed list of related parties is submitted in the form of a document uploaded as an Excel spreadsheet (.xls) that can be processed further. The detailed list of related parties consists of 12 (twelve) forms containing information as follows:
a. Form 1 - Individuals or Companies that are Controlling the Bank b. Form 2 - Legal Entities in case the Bank acts as the Controller
c. Form 3 - Companies in case Individuals or Companies act as Controllers
d. Form 4 - Parties with Horizontal or Vertical Family Relationships e. Form 5 - Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners in Companies f. Form 6 - Companies whose Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners are Members of the Board of Commissioners in the Bank g. 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 are Directors, Sharia Supervisory Boards and/or Commissioners in 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 the shares in the Investment Manager of the Collective Investment Contract
j. Form 10 - Companies that have Financial Relationships with the Bank and/or Parties k. Form 11 – Facility Recipient Customers who have Financial Relationships through Guarantees
l. Form 12 - Other Banks that have Financial Relationships through the Provision of Guarantees
Supporting Documents
Supporting documents are uploaded in the form of portable document format (.pdf) documents including:
a. corporate group structure diagram (corporate tree) in accordance with the Financial Services Authority Regulation regarding maximum fund disbursement limits and large fund disbursement for Islamic commercial banks; and b. changes in the Board of Directors and/or Board of Commissioners of the Bank's controlling shareholder in the form of a legal entity in accordance with the Financial Services Authority Regulation regarding commercial banks.
Form 1 - Individuals or Companies that are Controlling the Bank
a. Report Format
Individuals or Companies that are Controlling the Bank Name | Ownership Type | Identity Number | Ownership Percentage | Economic Sector b. Filling Guidelines

Name
a) For controllers in the form of individuals, filled with the name stated in the identity document (without academic title abbreviations, status, and religious titles). b) For controllers in the form of legal entities, filled with the name of the legal entity stated in the business deed document. Example data filling:
The shareholder name PT Makmur is filled with "Makmur".
Ownership Type
Filled with characters totaling 3 (three) digits according to the following code reference:
No. Ownership Type Code

Individual/Individual 101
Legal Entity 102
Public Entity 103

Identity Number
Filled with the identity number according to what is stated in the identity document including National Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and NPWP/Tax Registry/documents that can be equated with it for legal entities or public entities.
Ownership Percentage
Filled with the percentage (%) of ownership up to two decimal places.
Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.

Form 2 - Legal Entities in case the Bank acts as the Controller
a. Report Format
Legal Entities in case the Bank acts as the 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
Filled with the company name stated in the business deed document.
Example data filling:
The shareholder name PT Makmur is filled with "Makmur".
Type
Filled with characters totaling 1 (one) digit according to the following code reference:
No. Type Code

Subsidiary Company 1
Association Company 2

Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.
Identity Number
Filled with the identity number according to what is stated in the NPWP/Tax Registry/document that can be equated with it.
Bank Ownership Percentage
Filled with the percentage (%) of ownership up to two decimal places.
Other Shareholder Name
Filled with the name of other shareholders. The Bank can fill up to 5 (five) other shareholder names.
Other Ownership Percentage
Filled with the percentage (%) of ownership from other shareholders.

Form 3 - Companies in case Individuals or Companies act as Controllers
a. Report Format
Companies in case Individuals or Companies act as Controllers Identity Number of Individual or Company | Company Name | Company Identity Number | 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) Filled with the identity number of the individual or company that is the controller of the bank reported in Form 1. b) Filled according to what is stated in the identity document including National Identity Number (NIK) for Indonesian citizen individuals (WNI), passport number for foreign citizen individuals (WNA), and NPWP/Tax Registry/documents that can be equated with it for legal entities or public entities.
Company Name
Filled with the company name stated in the business deed document.
Example data filling:
The company name PT Makmur is filled with "Makmur".
Company Identity Number
Filled with NPWP/Tax Registry/document that can be equated with it.
Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.
Bank Ownership Percentage
Filled with the percentage (%) of ownership up to two decimal places.
Other Shareholder Name
Filled with the name of other shareholders. The Bank can fill up to 5 (five) other shareholder names.
Other Ownership Percentage
Filled with the percentage (%) of ownership from other shareholders.

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

Biological Parent 01
Stepparent 02
Adoptive Parent 03
Sibling 04
Step-sibling 05
Adoptive Sibling 06
Husband/Wife 07
Biological Child 08
Stepchild 09
Adoptive Child 10
Biological Grandfather or Grandmother 11
Stepparent (Grandparent level) 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 Stepchild 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
Partner of Sibling of Husband/Wife 32
Partner of Step-sibling of Husband/Wife 33
Partner of Adoptive Sibling of Husband/Wife 34

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

Form 5 - Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners in Companies
a. Report Format
Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners in Companies Company Identity Number | Name of Manager or DPS | Position | Identity Number b. Filling Guidelines

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

Form 6 - Companies whose Members of the Board of Directors, Members of the Sharia Supervisory Board and/or Members of the Board of Commissioners are Members of the Board of Commissioners in the Bank
a. Report Format
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 in the Bank Commissioner Identity Number | Company Name | Company Identity Number | Economic Sector b. Filling Guidelines

Commissioner Identity Number
Filled according to what is stated in the identity document National Identity Number (NIK).
Company Name
Filled with the company name stated in the business deed document.
Example data filling:
The company name PT Makmur is filled with "Makmur".
Company Identity Number
Filled with NPWP/Tax Registry/document that can be equated with it.
Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.

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 are Directors, Sharia Supervisory Boards, and/or Commissioners in the Company.
a. Report Format
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 are Directors, Sharia Supervisory Boards, and/or Commissioners in the Company Company Identity Number | Company Name | Identity Number | Economic Sector b. Filling Guidelines

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

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
a. Report Format
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 Identity Number of Manager or DPS | Company Name | Identity Number | Economic Sector b. Filling Guidelines

Identity Number of Manager or DPS
Filled according to what is stated in the identity document National Identity Number (NIK).
Company Name
Filled with the company name stated in the business deed document.
Identity Number
Filled according to what is stated in the identity document NPWP/tax registry/document that can be equated with it.
Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.

Form 9 - Collective Investment Contracts (KIC) where the Bank and/or parties own 10% or more of the shares in the investment manager of the collective investment contract
a. Report Format
Collective Investment Contracts where the Bank and/or parties own 10% or more of the shares in the investment manager of the collective investment contract KIC Company Name | KIC Number (Capital Market License) | Identity Number b. Filling Guidelines

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

Form 10 - Companies that have Financial Relationships with the Bank and/or parties
a. Report Format
Companies that have Financial Relationships with the Bank and/or parties Identity Number | Company Name | Economic Sector | Description b. Filling Guidelines

Identity Number
Filled according to what is stated in the identity document NPWP/tax registry/document that can be equated with it.
Company Name
Filled with the company name stated in the business deed document.
Economic Sector
Filled with the economic sector code referring to the list of economic sector reference codes in accordance with regulations on integrated commercial bank reports.
Description
Filled with additional description if any.

Form 11 – Facility Recipient Customers who have Financial Relationships through Guarantees
a. Report Format
Facility Recipient Customers who have Financial Relationships through Guarantees Identity Number | Company Name | Economic Sector | Status b. Filling Guidelines

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

Guarantee Recipient 1
Guarantee Provider 2
Form 12 - Other Banks that have Financial Relationships through the Provision of Guarantees
a. Report Format
Other Banks that have Financial Relationships through the Provision of Guarantees Identity Number | Bank Name | Bank Code | Number of counter guarantees provided by the bank b. Filling Guidelines

Identity Number
Filled according to what is stated in the identity document NPWP/tax registry/document that can be equated with it.
Bank Name
Filled with the name of the Other Bank that has a financial relationship through the provision of guarantees.
Bank Code
Filled with the code of the Other Bank that has a financial relationship through the provision of guarantees.
Number of counter guarantees provided by the bank
Filled with the number of counter guarantees provided by the bank.

C. INDONESIAN BANKING HUMAN RESOURCES DATA REPORT

The Indonesian Banking Human Resources Data Report consists of several tables, namely:
a. Table 1: Basic HR Data; b. Table 2: Job 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 Resources Data Report for each table is as follows:

Reported Table	Scope of HR Reported
Table 1	1. Board of Directors;

Board of Commissioners;
DPS;
PE; and
Officials two (2) levels below the Board of Directors, excluding PE, down to staff-level employees. |
| Table 2, Table 3, and Table 4 | 1. Board of Directors;
Board of Commissioners;
DPS;
PE; and
Officials two (2) levels below the Board of Directors, excluding PE. |
| Table 5 | 1. Board of Directors;
Board of Commissioners;
DPS;
PE; and
Officials two (2) levels below the Board of Directors, excluding PE, down to staff-level employees. |
| Table 6, Table 7, and Table 8 | Board of Directors, Board of Commissioners, DPS, PE, officials two (2) levels below the Board of Directors down to staff-level employees. |
| --- | --- |
| Table 9 | Individual data of BUS shareholders, whether legal entities, individuals, and/or business groups. |
Data reported for each reporting period represents position data. Reporting is not limited to data changes during the reporting period but covers all data previously reported.
Table 1: Basic HR Data

a. Report Format

Basic HR Data
Data Status Country Province Regency/City Bank Office Employee ID Number Identity Number NPWP Employee Name Place of Birth Date of Birth Gender Nationality Phone Number Address According to Identity Current Home Address/Domicile Education Level Study Program Employment Status Employment Status Position Description Position Field of Work Description Field of Work Date Started Working at Bank Internal Bank Violations

b. Filling Guidelines

The basic HR data report is filled with information regarding the data of active and terminated BUS employees during the Reporting Period.

BUS HR individual data reported includes permanent and non-permanent employees.

Example:
Non-permanent employees are employees directly contracted by the BUS for a specific period. These employees do not include outsourcing employees managed by third parties or labor service provider companies.

Example information to be included for employees who terminated during the Reporting Period is as follows:
On November 28, 2026, employees named Danu (PE), Asep (staff), and Jono (staff) terminated from PT Bank “ABC”, then information for Danu (PE), Asep (staff), and Jono (staff) is reported in Table 1 as of the December 2027 data position.

Data Status

a) Filled with 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
	Used for employees who have been reported previously but experienced an NIP change.
Fixed	Used for employee data that has not experienced changes from the previous Reporting position.	011
Changed	Used for employee data that has experienced data changes from the previous Reporting position.	012
Deletion	Used for employee data that will be deleted from the previous Reporting position, with reasons:
a. career retirement 041 b. early retirement 042
c. dismissal 043
d. resignation 044 e. end of contract/task period 045 f. death 046 g. promotion 047 h. demotion 048
i. NIP change 049

c) Description
For BUS reporting for the first time, all employee data is reported with data status “New” (code 010). For subsequent reporting, it is filled with data status adjusted to the condition of the reported employee data.

Country

Filled with 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

Filled with numbers totaling 2 (two) digits of the province code of the BUS office where the reported employee is located 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
1. West Java	01
2. Banten	02
3. DKI Jakarta	03
4. Outside Indonesia	99

Regency/City

Filled with 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 list. 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) Filled with numbers totaling 9 (nine) unique digits as the identity of that office at the BUS location of the employee, established by each BUS and/or Bank Indonesia, with the following provisions:
(1) BUS office code is xxxyyyyyy;
(2) for office codes established by the BUS, xxx is filled with 3 (three) digits of the head office code established by the competent authority and yyyyyy is filled according to the policy of each BUS; and (3) for BUS 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:
BUS “A” receives the code for the Bandung branch office from the authority, which is 999. This code is converted into 9 (nine) digits, i.e., 999000000. BUS “A” then establishes the code for the auxiliary branch office in the Cimahi area, which is in Bandung city, with the code 999005000.

b) Filling the BUS office code is the same as the BUS office code submitted in the Office Network Data Report. 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 those offices have been closed.

Employee ID Number

a) Employee ID Number (NIP) is a unique identity number for each employee according to the identity system used by the BUS, consisting of numbers and/or letters up to 25 (twenty-five) digits. b) In the event that the Board of Directors, Board of Commissioners, and/or DPS of the BUS do not have an NIP, the BUS must create a special NIP for the Board of Directors, Board of Commissioners, and/or DPS. c) Example of data filling:

No. Employee ID Number	Filling
1. H8569365	H8569365
2. P2586244	P2586244
3. 1235997865652385	1235997865652385

Identity Number

a) Identity documents for employees are as follows:

No. Employee Type	Identity Document	Identity Number
1. Indonesian Citizen (WNI)	ID Card (KTP)	National Identity Number (NIK)
2. 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 filling:

No. Identity Number	Filling
1. Employee is a WNI and has an ID Card with NIK “1234567891234567”	1234567891234567
2. Employee is a WNA and has a Passport with number “A123456789”	A123456789
3. Employee is a WNA and has a Passport with number “A1234.56”	A123456

NPWP

a) NPWP is the Taxpayer Identification Number obtained by individuals or business entities as proof that the concerned party has 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 filling:

No. NPWP	Filling
1. 49.810.734.1-035.000	498107341035000
2. 08.435.185.4-125.000	084351854125000

c) NPWP numbers are unique and must not be reported more than 1 (one) same NPWP in 1 (one) Report. In the event that BUS HR uses the same NPWP, for example because employees are husband and wife or employees who have terminated and are re-hired, this column can be filled by adding a letter character at the end of the NPWP.

Example of data filling:
(1) Employee is husband and wife:
NPWP 34.787.562.4-239.000
Filling of Husband's NPWP 347875624239000
Filling of Wife's NPWP 347875624239000A
(2) Employee terminated previously and re-hired:
NPWP 51.087.231.1-341.000
Filling of Employee's NPWP 510872311341000B

Employee Name

Filled with the name without titles according to what is stated in the identity document.

Example of data filling:

No. Employee Name	Filling
1. On the identity document, the employee's name is written as “Fadilla Rahmadani Real, SE., MM.” (“SE” and “MM” are academic titles).	Fadilla Rahmadani Real
2. On the identity document, the employee's name is written as “Hj. Firliyana” (“Hj.” is a religious title).	Firliyana
3. On the identity document, the employee's name is written as “R. Agung Wiyono” (“R” is not a noble title).	R. Agung Wiyono
4. On the identity document, the employee's name is written as “Arif M.N. Anshori” (“M” and “N” are not titles).	Arif M.N. Anshori

Place of Birth

Filled with the employee's place of birth according to the place of birth stated in the employee's identity document.

Date of Birth

a) Filled with numbers totaling 8 (eight) digits in the format yyyymmdd. b) Filled with the employee's birth date according to the birth date stated in the employee's identity document. c) Example of data filling:

No. Date of Birth	Filling
1. 7 June 1982	19820607
2. 18 December 1971	19711218
3. 25/04/1988	19880425

Gender

a) Filled with character “L” for male employees and “P” for female employees, and according to what is stated in the employee's identity document. b) Data filling reference:

No. Gender	Filling
1. Male	L
2. Female	P

Nationality

Filled with characters totaling 2 (two) digits of the nationality code stated in the employee's identity document 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.

Phone Number

a) Filled with a reachable phone number including area code or country code without hyphens (-) and using semicolons (;) as separators in the event that more than one phone number is input. b) Reported phone numbers can be office, home, and/or mobile phone numbers. c) Phone numbers are filled in completely with area codes. d) For foreign numbers, accompanied by country codes. e) Example of data filling:

No. Phone Number	Filling
1. (021)12345678	02112345678
2. (62-751) 4257712	07514257712
3. 7256969 (Bogor)	02517256969
4. +62-81511380000	081511380000
5. +65-5682466 (Singapore)	655682466

Address According to Identity

a) For WNI, filled with the address according to what is stated in the ID Card (KTP). b) For WNA, filled with the domicile address in Indonesia according to what is stated in the residence permit documents, such as Foreign Worker Employment Permit (IMTA) or Limited Stay Permit Card (KITAS).

Current Home Address/Domicile

a) For WNI, filled with the address according to the current domicile. b) For WNA, filled with the domicile address in Indonesia according to what is stated in the residence permit documents, such as IMTA or KITAS. c) For employees placed 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

a) Filled with characters totaling 3 (three) digits according to the highest education level code. b) Data filling reference:

No. Highest Education	Code
1. Up to High School or equivalent	001
2. D1 - D2	002
3. D3 - D4	003
4. S1	004
5. S2	005
6. S3	006

Study Program

a) Filled with numbers totaling 3 (three) digits according to the study program code of the highest education. b) Data filling reference:

No. Study Program	Code
1. Banking	001
2. Economics*)	002
3. Business and Management	003
4. Law	004
5. Engineering	005
6. Computer Science	006
7. MIPA	007
8. Marine	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).

Employment Status

a) Filled with numbers totaling 3 (three) digits according to the employment status code. b) Data filling reference:

No. Employment Status	Code	Description
1. Local workforce	001	WNI workforce.
2. Foreign workforce	002	a. WNA holding a visa with the purpose of working in the territory of the Republic of Indonesia.
b. WNA working in the branch office of an Indonesian legal entity bank located outside the country.

Employment Status

a) Filled with numbers totaling 3 (three) digits according to the employee status code. b) Data filling reference:

No. Employment Status	Code	Description
1. Permanent	001	Organic employees.
2. Non-permanent	002	Non-organic employees attached with contract or honorary status.

c) Non-permanent employment status is filled for non-permanent employees contracted by the BUS for a specific period. These employees do not include outsourcing employees managed by third parties or labor service provider companies.

Position

a) Filled with numbers totaling 3 (three) digits according to the position code. b) Data filling reference:

No. Position	Code	Description
1. Chief Director	001
2. Director	002
3. Compliance Director	003	Director who oversees the compliance function.
4. Chief Commissioner	004
5. Commissioner	005
6. Sharia Supervisory Board (DPS)	006
7. Executive Officer (PE)	007	Definition of PE according to the provisions of legislation regarding Sharia general banks.
8. Officials two (2) levels below the Board of Directors	008	All officials two (2) levels below the Board of Directors, excluding PE.
9. Other Employees	009	Employees other than PE and officials two (2) levels below the Board of Directors down to staff-level employees.
10. Experts and Consultants	010	Individuals who have specific technical knowledge with adequate qualification standards.

c) The BUS categorizes HR as other employees (code 009), including:
(1) contract employees in education program status such as graduate development program and personal assistant; and (2) employees who cannot yet hold the PE position in terms of career level, even though structurally they are two (2) levels below the Board of Directors. d) In the event that the BUS has a deputy position for the director or commissioner position, the BUS fills this column with “Director” (code 002) or “Commissioner” (code 005). e) In the event that there are employees holding multiple positions, the basic data of the concerned employee is only reported 1 (one) time in Table 1.

Example:
An employee “A” holds the position of Deputy Chief Director (Director) and simultaneously acts as Acting Chief Director.
Table filling:

Employee Name …	Position …
A	001

Position Description

a) Filled with the position name or position accompanied by the city of the position's location.

Example of filling:
a. branch area manager VII Surabaya b. regional marketing staff II Palembang
c. 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 basic data of the concerned employee is only reported 1 (one) time in Table 1, but information on the multiple positions is reported in this column.

Example:
An employee “A” holds the position of Head of APU and PPT Division (PE) and simultaneously acts as Acting Head of Compliance Division (PE).
Table filling:

Employee Name …	Position …	Position Description …
Employee A	007	Head of APU and PPT Division acting as Acting Head of Compliance Division

Field of Work

a) Filled with numbers totaling 3 (three) digits according to the field of work code. b) Data filling reference:

No. Field of Work	Code	Description
1. Principal Party	000	Filled specifically for the Board of Directors (including Compliance Director), Board of Commissioners, and DPS.
2. Treasury	001	Treasury field of work includes tasks related to the arrangement and management of BUS assets and liabilities to optimize profits, liquidity management, net forex position, and direct or indirect sale of treasury products.
3. Risk Management	002	Risk management field of work includes tasks related to risk management and mitigation.
4. Credit or Financing	003	Credit or financing field of work includes tasks related to the disbursement of financing by the BUS.
5. Information Technology	004	Information technology field of work includes tasks related to the management of administrative processes of banking transactions, customer data management, network development, system development, planning and re-engineering of banking operational processes, management of banking support facilities, and management of electronic banking products, using information technology facilities.
6. Marketing	005	Marketing field of work includes tasks related to efforts to market banking products and services, both for fund gathering and fund disbursement.
7. Investor Relations	006	Investor relations field of work includes tasks related to strategies and efforts to obtain and cultivate quality relationships with investors to obtain business opportunities.
8. Finance	007	Finance field of work includes tasks related to financial accounting aspects, management accounting, financial reporting, taxation, financial planning, and financial strategy.
9. Compliance	008	Compliance field of work includes tasks related to efforts to ensure that policies, regulations, systems and procedures, and business activities carried out by the BUS are in accordance with the provisions of legislation, including Sharia principles.
10. Personnel	009	Field of work including tasks related to employee affairs.
11. Operations	010	Operations field of work includes tasks related to the implementation of operational and administrative transactions.
12. Internal Audit	011	Internal audit field of work includes activities providing independent and objective assurance and consulting with the aim of increasing value and improving BUS operations, through a systematic approach by evaluating and improving the effectiveness of risk management, controls, and BUS governance processes.
13. Other Banking Fields of Work	012	Included in the category of other banking fields of work are employees who work in fields of work other than codes 001-011.

c) In the event that there are employees holding multiple positions, the data reported in this column for the employee is the field of work of the employee at present (not the field of work that is held concurrently).

Example:
An employee “A” holds the position of Head of APU and PPT Division (PE) and simultaneously acts as Acting Head of Compliance Division (PE).
Table filling:

Employee Name …	Position …	Position Description …	Field of Work …
Employee A	007	Head of APU and PPT Division acting as Acting Head of Compliance Division

d) In the event that an employee holds a position that oversees several fields of work, this column is filled with one of the fields of work overseen by the employee, while other fields of work are stated in the “Field of Work Description” column.

Example:
An employee “A” is a Branch Head who oversees the operations and financing fields of work. This column is filled with the field of work “Operations” (code 010).
Table filling:

Employee Name …	Position …	Position Description …	Field of Work …
Employee A	007	Branch Head	010

Field of Work Description

This column is filled:
a) With the description of the field of work held by the employee who has the field of work code “012”. For example, the field of work “Procurement”; or b) In the event that an employee has more than 1 (one) field of work, the field of work description is filled with the other field of work.

For example, an employee handles risk management tasks and compliance tasks. In the “Field of Work” column, “002” has been filled, so in this column, “Compliance” is filled.
Table filling:

Employee Name …	Position …	Position Description …	Field of Work …	Field of Work Description …
Employee A	Head of Risk Management Policy Division			Compliance

Date Started Working at Bank

a) Filled with numbers totaling 8 (eight) digits in the format yyyymmdd. b) Filled with the date of first starting work at the reporting BUS. c) Example of data filling:

No. Date Started Working at Bank	Filling
1. 7 June 1995	19950607
2. 18 December 2001	20011218
3. 25/04/2013	20130425

Internal Bank Violations

a) Filled with the type of serious mistakes ever committed by BUS employees within the last 2 (two) years resulting in internal BUS sanctions. b) Definition of serious mistakes according to the Law on Manpower. c) In the event that there are no serious mistakes, this column is filled with “Nil”.

Table 2: Job History Data

a. Report Format

Job History Data
Employee ID Number Bank Code Position Position Description Field of Work Field of Work Description Appointment/Replacement Status Appointment/Replacement Letter Number Date of Appointment/Replacement Letter Effective Date of Appointment/Replacement Number of Dismissal Decision Letter Effective Date of Dismissal Reason for Dismissal

Employee ID Number	Bank Code	Position	Position Description	Field of Work	Field of Work Description	Appointment/Replacement Status	Appointment/Replacement Letter Number	Date of Appointment/Replacement Letter	Effective Date of Appointment/Replacement	Number of Dismissal Decision Letter	Effective Date of Dismissal	Reason for Dismissal

b. Filling Guidelines

The job history report is filled with information regarding the job history of members of the Board of Directors, members of the Board of Commissioners, members of the Sharia Supervisory Board (DPS), Executive Officials (PE), and officials 2 (two) levels below the Board of Directors who are not included as Executive Officials, both active employees and those who have left during the Reporting period.
The term members of the Board of Directors, members of the Sharia Supervisory Board, members of the Board of Commissioners in the Human Resources Data Report refers to members of the Board of Directors, members of the Sharia Supervisory Board, or members of the Board of Commissioners who have been approved by the Financial Services Authority (OJK) based on the results of fitness and propriety assessments in accordance with the Financial Services Authority Regulation regarding fitness and propriety assessments for key parties of financial service institutions.
The history data provided is the detailed job history of each individual from the position 2 (two) levels below the Board of Directors up to the current job position, during employment in the banking sector.

Example 1:
Mr. Hakim is the Head of Financing Division at Islamic Commercial Bank (BUS) “A” with the following job history:

Officer Development Program (ODP) since 1998;
Financing team leader at Bintaro Branch since 2005;
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors) since 2014; and
Head of Financing Division (position 1 (one) level below the Board of Directors/Executive Official) since 2018.
The reporting of Mr. Hakim’s position in Table 2 as of the data position for December 2026 is filled with 2 (two) rows, namely the details of positions in letter (c) and letter (d).

Example 2:
Mr. M. Kal El Hartono is the Financing Group Head for the Jakarta area at BUS “B” with the following job history:

ODP since 2000;
Financing team leader at Fatmawati Branch since 2006; and
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors, not including Executive Officials) since 2017.
The reporting of positions in Table 2 as of the data position for December 2026 is filled with 1 (one) row, namely the details of positions in letter (c).

Example 3:
Mrs. Annisa is the Group Head in the Compliance Work Unit at BUS “C” with the following job history:

ODP since 1998;
Financing team leader at Gajah Mada Branch since 2006;
Group head in the business unit (position 2 (two) levels below the Board of Directors, not including Executive Officials) since 2014; and
Group head in the compliance unit (position 2 (two) levels below the Board of Directors, not including Executive Officials) since 2018.
The reporting of Mrs. Annisa’s positions in Table 2 as of the data position for December 2026 is filled with 2 (two) rows, namely the details of positions in letter (c) and letter (d).

Example 4:
Mr. Helmy is the Head of Financing Division at BUS “A” with the following job history:

ODP since 1998 at Bank “B”;
Financing team leader since 2005 at Bank “C”;
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors) since 2014 at Bank “D”;
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors) since 2016 at Bank “A”; and
Financing group head (position 1 (one) level below the Board of Directors/Executive Official) since 2018 at Bank “A”.
The reporting of Mr. Helmy’s positions in Table 2 as of the data position for December 2026 is filled with 3 (three) rows, namely the details of positions in letter (c), letter (d), and letter (e).

Example 5:
Mrs. Salsa is the Head of Financing Division at BUS “A” with the following job history:

ODP since 1998 at Bank “B”;
Financing team leader since 2005 at BUS “C”;
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors) since 2014 at BUS “D”;
Financing group head in the Jakarta area (position 2 (two) levels below the Board of Directors) since 2016 at BUS “A”; and
Financing group head (position 1 (one) level below the Board of Directors/Executive Official) since 2018 at BUS “A”.
The reporting of Mrs. Salsa’s positions in Table 2 as of the data position for December 2026 is filled with 3 (three) rows, namely the details of positions in letter (c), letter (d), and letter (e).

Example 6:
Example information provided for employees who have left during the Reporting period is as follows:
On October 28, 2026, employees named Galih (Executive Official), Naura (official 2 (two) levels below the Board of Directors, not including Executive Officials), and Sulma (official 2 (two) levels below the Board of Directors, not including Executive Officials) left PT Bank “ABC”. Information regarding Galih, Naura, and Sulma is reported in Table 2 as of the data position for December 2026.

Employee Identification Number
Filling guidelines refer to item 6) in Table 1.
Bank Code
Filled in accordance with the bank code of the place where the employee works, both at the current BUS or at previous banks in the event the employee has previously held positions as members of the Board of Directors, members of the Board of Commissioners, members of the Sharia Supervisory Board, Executive Officials, and/or officials 2 (two) levels below the Board of Directors at other banks.
Position
Filling guidelines refer to item 21) in Table 1.
Position Description
Filling guidelines refer to item 22) in Table 1.
In the event there are employees holding multiple positions, the data for said employees is reported 2 (two) times in Table 2 (the number of rows reported equals the number of positions held by the employee). Example:
An employee “A” holds the position of Head of Commercial Financing Policy Division (Executive Official) and simultaneously temporarily serves as Deputy Head of Compliance Division.
Table Filling:
…
Employee Name … Position Position Description
Field of Task …
Employee A 007 Head of Commercial Financing Policy Division Temporarily serving as Deputy Head of Compliance Division
Field of Task
Filling guidelines refer to item 23) in Table 1.
In the event there are employees holding multiple positions, the data for said employees is reported 2 (two) times in Table 2 (the number of rows reported equals the number of fields of task held by the employee). Example:
An employee “A” holds the position of Head of Commercial Financing Policy Division (Executive Official) and simultaneously temporarily serves as Deputy Head of Compliance Division.
Table Filling:
Employee Identification Number Bank Code Position Position Description Field of Task … 1111 001 007 Head of Commercial Financing Policy Division 1111 001 007 Deputy Head of Compliance Division
Field of Task Description
Filling guidelines refer to item 24) in Table 1.
Appointment/Replacement Status
a) Filled with 3 (three) digit characters in accordance with the appointment/replacement status code. b) Data filling reference:
No. Appointment/Replacement Status Code

Permanent 001
Temporary 002
c) Temporary status is used for reporting temporary replacements due to:
(1) the existence of a vacancy in the position and the new official has not yet been appointed or has been appointed but has not yet carried out their duties; or (2) the official in question (who actually holds the position) is unable to carry out 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 for appointment or 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 or replacement letter, this column may be filled with another letter number as proof of the employee’s appointment or 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 for members of the Board of Directors and members of the Board of Commissioners who have been approved by the Financial Services Authority (OJK) based on the results of fitness and propriety assessments in accordance with the Financial Services Authority Regulation regarding fitness and propriety assessments for key parties of financial service institutions, namely the number of the approval letter from the Financial Services Authority (OJK). d) Specifically for positions of members of the Sharia Supervisory Board (DPS), this column is filled with data for members of the Sharia Supervisory Board (DPS) who have obtained approval from the Financial Services Authority (OJK) in accordance with provisions of legislation regarding Islamic commercial banks and provisions of legislation regarding Islamic business units, namely the number of the approval letter from the Financial Services Authority (OJK). e) The term:
(1) Appointment refers to a decision of the General Meeting of Shareholders (GMS) based on approval from the Financial Services Authority (OJK) to appoint someone 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 Sharia Supervisory Board (DPS) to become a member of the Board of Directors, member of the Board of Commissioners, and member of the Sharia Supervisory Board (DPS), or a decision by the Board of Directors or competent official to appoint someone who previously did not meet the criteria as an Executive Official (PE) and official 2 (two) levels below the Board of Directors to become an Executive Official (PE) and official 2 (two) levels below the Board of Directors at a bank. Permanent replacement refers to a GMS decision to place someone who has previously become a member of the Board of Directors, member of the Board of Commissioners, and member of the Sharia Supervisory Board (DPS) to become a member of the Board of Directors, member of the Board of Commissioners, and member of the Sharia Supervisory Board (DPS) in another position at the same Islamic Commercial Bank (BUS), or a decision by the Board of Directors or competent official to place someone who has previously become an Executive Official (PE) and official 2 (two) levels below the Board of Directors to become an Executive Official (PE) and official 2 (two) levels below the Board of Directors in another position at the same Islamic Commercial Bank (BUS). Temporary replacement refers to a decision by the Board of Directors or competent official to appoint or place someone as a temporary replacement for Executive Officials (PE) and officials 2 (two) levels below the Board of Directors due to:
(a) the existence of a vacancy in the Executive Official (PE) and official 2 (two) levels below the Board of Directors position where the new official has not yet been appointed or has been appointed but has not yet carried out their duties; or (b) the Executive Official (PE) and official 2 (two) levels below the Board of Directors in question (who actually holds the position) is unable to carry out their duties for a period of more than 3 (three) months.
Appointment/Replacement Letter Date
a) Filled with 8 (eight) digits in the format yyyymmdd. 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 there is no appointment or replacement letter document, this column may be filled with the date of another document as proof of the employee’s appointment or replacement.
Effective Date of Appointment/Replacement
a) Filled with 8 (eight) digits in the format yyyymmdd. b) Filled with the effective date of the appointment or replacement. c) Example of data filling:
No. Effective Date of Appointment/Replacement Filling

In the Decision Letter for Appointment of Executive Official No. CD/I/Dir/2027 dated January 4, 2027, it is stated that the decision is effective from the date it was established. 20270104
In the Decision Letter for Appointment of Executive Official No. AB/II/Dir/2027 dated February 2, 2027, it is stated that the letter becomes effective starting from February 5, 2027. 20270205

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 Sharia Supervisory Board (DPS), Executive Officials (PE), 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 Sharia Supervisory Board (DPS) or the number of the dismissal letter for Executive Officials (PE) and officials 2 (two) levels below the Board of Directors. b) Dismissal means the employee in question no longer works at the bank. c) This column is left blank for positions that are still active at the end of the Reporting period. d) In the event 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 the employee’s dismissal. 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 format yyyymmdd. b) Filled with the effective date of the decision as stated in the dismissal decision letter. c) In the event 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 filling:
No. Effective Date of Dismissal Filling

In the Decision Letter for Dismissal of Executive Official No. XY/III/Dir/2026 dated March 8, 2026, it is stated that the decision is effective from the date it was established. 20260308
In the Letter of Revocation of Authority for Executive Official No. QR/IV/Dir/2026 dated April 15, 2026, it is stated that the letter of revocation of authority becomes effective on April 18, 2026. 20260418

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 Sharia Supervisory Board (DPS), Executive Official (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 BUS Code is 999
Employee Identification Number Bank Code Position Position Description Field of Task Field of Task Description Appointment/Replacement Status Appointment/Replacement Letter Number Appointment/Replacement Letter Date 02052210990 888 007 Group Head Financing in Jakarta Area 003 - 001 SK/123/11/14 20140921 02052210990 999 007 Group Head Financing in Jakarta Area 003 - 001 SK/456/06/16 20160610 02052210990 999 006 Head of Financing Division 003 - 001 SK/789/04/18 20180410 02052210990 999 006 Head of Operations Division 010 - 001 SK/543/05/20 20200508 Effective Date of Appointment/Replacement Dismissal Decision Letter Number Effective Date of Dismissal Reason for Dismissal 20140921 - - - 20160610 - - - 20180410 - - - 20000508 SK/654/05/20 20201028 Career retirement

Table 3: Work History Data
a. Report Format
Work History Data
Employee Identification Number Company Name Type of Business Field of Company Start Date End Date Position/Position Name

b. Filling Guidelines
The report on the work history of members of the Board of Directors, members of the Board of Commissioners, members of the Sharia Supervisory Board (DPS), Executive Officials (PE), or officials 2 (two) levels below the Board of Directors is filled with information regarding:

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

Financial Field
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 Field
a) Private 201 b) State-Owned Enterprise 202 c) Government Institution 203 d) Educational Institution 204 e) Others 205 d) Start Date
i. Filled with 8 (eight) digits in the format yyyymmdd.
ii. Filled with the effective date of the start of duties in a certain position/role.
e) End Date
i. Filled with 8 (eight) digits in the format yyyymmdd.
ii. Filled with the effective date of the end of duties in a certain position/role.
f) Position/Position Name
Filling guidelines refer to item 22) in Table 1.
Table 4: Formal Education History Data
a. Report Format
Formal Education History Data
Employee Identification Number Identity Number Education Level Name of Educational Institution Year of Entry Study Program Graduate/Degree

b. Filling Guidelines
The report is filled with data on the education history of members of the Board of Directors, members of the Board of Commissioners, members of the Sharia Supervisory Board (DPS), Executive Officials (PE), and officials 2 (two) levels below the Board of Directors.

Employee Identification Number
Filling guidelines refer to item 6) in Table 1.
Identity Number
Filling guidelines refer to item 7) in Table 1.
Education Level
Filling guidelines refer to item 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 the format “yyyy” in accordance with the year of entry into formal education.
Study Program
Filling guidelines refer to item 18) in Table 1.
Graduate/Degree
a) Filled in accordance with 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), this column is filled with “Graduate”.

Table 5: Training/Certification History Data
a. Report Format
Training/Certification History Data
Employee Identification Number (NIP) Identity Number Type of Training/Certification Year of Training/Certification Name of Organizing Institution

b. Filling Guidelines
The report on the history of training/certification 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 Sharia Supervisory Board (DPS), Executive Officials (PE), 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 the history of training/certifications attended within the last 2 (two) years from the Reporting position.
a) Employee Identification Number
Filling guidelines refer to item 6) in Table 1. b) Identity Number Filling guidelines refer to item 7) in Table 1. c) Type of Training/Certification
i. The scope of training or certification reported is training or certification organized by internal parties or external parties of the Islamic Commercial Bank (BUS), including training organized through online platforms.
ii. Filled with 3 (three) digits in accordance with the code for the type of training or certification.
iii. 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 d) Year of Training/Certification Filled with 4 (four) digits in accordance with the year of training or certification in the format “yyyy”. e) Name of Organizing Institution
i. Filled in accordance with the name of the organizing institution.
ii. In the event that the training or certification is conducted online using internal BUS facilities, this column is filled with “internal bank”.
Table 6: Bank Human Resource Management Performance
a. Report Format
Bank Human Resource Management Performance
Indicator Value a. Personnel Function
Time to fill vacant positions, for fields of task:
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 task
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 items 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 items 1) and 2) up to staff-level employees
b) Job Promotion Ratio, for fields of task:
Treasury
Risk Management
Credit or Financing
Information Technology
Marketing
Investor Relations
Finance
Compliance
Personnel
Operations
Internal Audit
Other banking fields of task
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 Islamic Commercial Bank (BUS) Human Resource Management Performance report is filled with information on several aggregate management indicators for a certain period. BUS Human Resource Management Performance data is filled with real data. In the event the BUS does not have real data, the BUS may report data in accordance with the policies applicable to each Islamic Commercial Bank (BUS).

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 Sharia Supervisory Board (DPS), or employee. The calculation formula is:
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 column “Interest Income and Other Operating Income” in the Profit and Loss statement in the BUS financial statements as referred to in code 04.11.00.00.00.00 + 04.12.00.00.00.00 in the integrated commercial 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 bank (cost center unit such as operation 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 net profit generated by each employee, calculated using the formula:
Net profit per employee = Total net profit / Number of employees (permanent and non-permanent) (b) The term "total net profit" refers to the column "Current Year Net Income/Loss" in the Income Statement in the financial statements of the Islamic Business Unit (BUS) as referred to in codes 03.05.02.01.00.00 - 03.05.02.02.00.00 in the Integrated General Bank Report. (c) Filled in full units in Rupiah. b) Labor Costs (1) Labor Cost Ratio to Total Operational Costs (a) Filled with the ratio of labor costs to total operational costs, calculated using the formula:
Labor cost ratio = (Labor costs / Total operational 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, 05.12.13.04.01.00, 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/Loss information in the Integrated General Bank Report. (c) The term "total operational costs" refers to the column "Other Operational Expenses" in the Income Statement in the financial statements of the BUS as referred to in code 05.12.00.00.00.00 in the Integrated General Bank Report. (d) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. Example:
The labor cost ratio to total operational costs is 20.30%; in this regard, the BUS fills in 20.30.
(2) Outsourcing Cost Ratio to Total Labor Costs (a) Filled with the ratio of outsourcing costs to labor costs, calculated using the formula:
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, 05.12.13.04.01.00, 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/Loss in the Integrated General Bank Report. (c) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. Example:
The ratio of outsourcing costs to total labor costs is 20.30%; in this regard, the BUS fills in 20.30. c) Employee Turnover (Loyalty) (1) Voluntary Employee Turnover Ratio (a) Filled with the ratio of employees who voluntarily resigned during a certain period, calculated using the formula:
Voluntary employee turnover ratio = (Number of employees who voluntarily left 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% (b) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. Example:
The Voluntary Employee Turnover Ratio is 20.40%; in this regard, the BUS fills in 20.40.
(2) Non-Voluntary Employee Turnover Ratio
(a) Filled with the ratio of employees dismissed by the BUS during a certain period, calculated using the formula:
Non-voluntary 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% (b) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. Example:
The Non-Voluntary Employee Turnover Ratio is 20.50%; in this regard, the BUS fills in 20.50.
(3) Average Employee Working Time
(a) Filled with the average duration of employees working at the BUS, calculated from the establishment of the employment relationship between the worker and the BUS based on the employment agreement until the worker stops working at the BUS. Filled in units of years with 2 (two) decimal places, using a dot (.) as the separator. (b) Example:
The average employee working time is 20 years and 3 months; thus, the BUS fills in 20.25. d) Promotion Opportunities (1) Average Promotion Time (a) Filled with the average time required for each employee in a specific position to be promoted to a higher position in accordance with the policies implemented by each BUS. Example 1:
According to internal BUS 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 BUS policy for promotion from the Group Head position (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 BUS policy for promotion from the Staff position to a position 2 (two) levels below the Board of Directors, employees require at least 12 (twelve) years to be promoted to the position 2 (two) levels below the Board of Directors, so this column is filled with "12.00". (b) Filled in units of years, with 2 (two) decimal places, using a dot (.) as the separator. Example 1:
According to internal BUS 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 BUS policy for promotion from the Assistant Manager position to the Manager position, employees must hold the Staff position for at least 3 (five) years and 6 (three) months to be promoted to the Manager position, so this column is filled with "3.50". (c) In the event that the internal policy of the BUS does not have minimum promotion time rules, this column can be filled with actual data on the average time it takes for one employee to be promoted to a higher position. (2) Job Promotion Ratio (a) Filled with the ratio of the number of employees promoted (promoted in position/level) compared to the total number of employees in a certain period, calculated using the formula:
Number of employees promoted / Total number of employees x 100% (b) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. (c) Example of data filling:
No. Ratio Filling

5.78% 5.78
11.5% 11.50
(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 BUS. (b) Filled in units of years, with 2 (two) decimal places, using a dot (.) as the separator. Example:
According to internal BUS 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 the internal policy of the BUS does not have minimum employee rotation time rules, this column can be filled with actual 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 career retirees compared to the number of employees (permanent and non-permanent) in a certain period, calculated using the formula:
Number of employees who retired / Total number of employees x 100% (2) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator. (3) Example of data filling:
No. Ratio Filling
1 5.78% 5.78
2 11.5% 11.50
Example:
The BUS retirement ratio is 30.40%; in this regard, the BUS fills in 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 the BUS does not have actual figures, this column can be filled in accordance with the BUS policy. b) Average training cost per employee (1) Filled with the average training cost per employee in a certain period, calculated using the formula:
Average training cost per employee = (Total education costs / 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 statutory regulations regarding the provision of funds for the development of human resources of general banks, calculated using the formula:
Ratio of total education funds to labor costs = (Total education funds / Total labor costs) x 100% (3) The term "total 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, 05.12.13.04.01.00, 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/Loss in the Integrated General Bank Report. (4) Filled in percentage units with 2 (two) decimal places, using a dot (.) as the separator.
Others
a) Number of Debtors per Relationship Manager or Account Officer (1) Filled with the average number of customers handled by one relationship manager or account officer. (2) Filled in full units with rounding of decimal places. (3) The customers reported in this column are customers who still have financing facilities at the BUS. For example, financing facilities, trade finance, and others in accordance with the contract, both those with outstanding balances and those without outstanding balances. (4) The corporate segment includes large customer segments financed by the BUS in accordance with the policy and complexity of the BUS business. (5) The non-corporate segment includes retail debtors as well as micro, small, and medium enterprises financed by the BUS in accordance with the policy and complexity of the BUS business. (6) The calculation of this column can be done aggregately, i.e., the total number of debtors in the corporate or non-corporate segment 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 the internal policy of the BUS. (2) In the event that the BUS 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 the BUS does not have a block leave obligation policy, this column 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 letter (i) is reported with the consideration that in practice there are BUSs that have a policy 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
Field of Task
Education Level
Position Status
Employment 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.

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

Example of Filling Table 7:
Field of Task
Education Level
Employee Status
Position
Employment 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
... ... ... ... ... ... ... ... ...
... ... ... ... ... ... ... ... ...
012 008 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
Minimum Total
Maximum Total
Average Total
Minimum Total
Maximum Total
Average Total

b. Filling Guidelines
The Bank Human Resource Remuneration Report is filled with information on the range of minimum, maximum, and average remuneration policies for employees per job level and per position level (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 (DPS), and/or employees, whether fixed or variable, in cash or non-cash form in accordance with their duties, authority, and responsibility. Parameters for fixed remuneration and variable remuneration are in accordance with Financial Services Authority Regulations regarding the implementation of governance in the provision of remuneration for Islamic general banks and Sharia business units, 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 Remuneration Amount Calculation Semester 1 of 2026 January to December 2025 Semester 2 of 2026 January to December 2026 Semester 1 of 2027 January to December 2027 Semester 2 of 2027 January to December 2028 Employees with a working period of less than 1 (one) year are not included in the calculation of the remuneration amount reported in this table. Employees undergoing suitability and probity assessments and/or who have not received approval from the Financial Services Authority are not included in the current year remuneration amount data. In the event that there is only 1 (one) employee in a certain position, the columns "Minimum Total", "Maximum Total", and "Average Total" are filled with the same data.
Position
Filling guidelines refer to number 21) in Table 1.
Position Level (Grade)
a) Filled with the position group (grade) corresponding to the position at the BUS. b) Example of Filling:
(1) Assistant Manager;
(2) Group 3A;
(3) Band B; or
(4) Grade 3.
Salary per Year (in Rupiah)
a) Fixed Remuneration
(1) Minimum Total
(a) Filled with the minimum cumulative amount of remuneration (both fixed and variable) per year in the corresponding position group. (b) Filled in units of Rupiah. (c) Filled with actual data. If the BUS does not have actual data, this column can be filled with data in accordance with the policy applicable at each BUS. (2) Maximum Total (a) Filled with the maximum cumulative amount of remuneration (both fixed and variable) per year in the corresponding position group. (b) Filled in units of Rupiah. (c) Filled with actual data. If the BUS does not have actual data, this column can be filled with data in accordance with the policy applicable at each BUS. (3) Average Total (a) Filled with the average cumulative amount of remuneration (both fixed and variable) per year in the corresponding position group. (b) Filled in units of Rupiah. (c) Filled with actual data. If the BUS does not have actual data, this column can be filled with data in accordance with the policy applicable at each BUS. b) Variable Remuneration (1) Minimum Total Filling guidelines refer to number 3) letter a) in this table. (2) Maximum Total Filling guidelines refer to number 3) letter b) in this table. (3) Average Total Filling guidelines refer to number 3) letter c) in this table.

Example of Filling Table 8:
Position
Position Level (Grade)
Salary per Year (in Rupiah)
Fixed Remuneration
Variable Remuneration
Minimum Total
Maximum Total
Average Total
Minimum Total
Maximum Total
Average Total
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
Telephone
Email Address
Parent Company Name
Legal Entity Form
Deed of Establishment Number
Date of Deed of Establishment
Number of Last Deed of Amendment
Date of Last Deed of Amendment
Date of Legal Entity Establishment
Ownership Share
Date of Start of Effective Ownership
Date of End of Effective Ownership
Number of General Meeting of Shareholders Decision Letter

b. Filling Guidelines

Shareholder data is filled with data:
a) Controlling Shareholder (PSP) of a BUS, 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; b) PSP of the BUS as a public entity; and c) 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:
The PSP of Bank "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 3 (three) digit numbers in accordance with the ownership type code. b) Data filling reference:
No. Ownership Type Code

Individual/Person 101
Legal Entity 102
Public Entity 103

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

Non-PSP Shareholder with ownership ≥ 5% 201
PSP 201
Ultimate Controlling Shareholder (PSPT)
c) PSPT is the PSP or main owner of the BUS entity. 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 the BUS has only 1 (one) shareholder, PSP and PSPT are filled with the same data.

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

ID Card (KTP) 1
No. Identity Type Code
Passport 2
Tax ID Number (NPWP) 3
Others (specifically for owners that are public entities without an NPWP)
c) Example of data filling:
No. Identity Type Filling
Shareholder is an Indonesian citizen (using ID Card)
Shareholder is a foreigner (using Passport)
Shareholder is a legal entity (using NPWP)
Shareholder is a foreign legal entity (using tax identification number)
Shareholder is the Government of the Republic of Indonesia (public entity without NPWP)
Shareholder is the West Java Provincial Regional Government (public entity without NPWP)

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 entity:
(1) Government of the Republic of Indonesia
Filled with the third-party group code as referred to in statutory regulations regarding the Integrated General Bank Report. (2) Central Public Agency Filled with the third-party group code as referred to in statutory regulations regarding the Integrated General Bank Report; and (3) Regional Public Agency Filled with the province and city/regency reference code as referred to in statutory regulations regarding the Integrated General Bank Report. 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. PSP Identity Number 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
No. PSP Identity Number Filling
Shareholder is a foreigner and has a Passport with number "A-1234.56" A123456
Shareholder is the Government of the Republic of Indonesia (public entity without NPWP) 111111
Shareholder is the West Java Provincial Regional Government (public entity without NPWP) S131301L
Shareholder is the Yogyakarta City Government (public entity without NPWP)

Shareholder Name
a) For individual/person shareholders, this column is filled in accordance with the name stated in the identity document (without abbreviations, academic titles, status, and religious titles). Filling guidelines refer to number 9) in Table 1. b) For legal entity shareholders, this column is filled in accordance with the name of the legal entity stated in the business deed document. Example of data filling:
If the shareholder name is "PT Makmur", then this column is filled with "Makmur".
Address according to Identity Card
a) If the shareholder is an Indonesian citizen, filled with the address as stated in the ID Card. b) If the shareholder is a foreigner, 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 2 (two) digit characters of the country code of the legal entity or public entity shareholder's domicile 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 statutory regulations regarding the Integrated General Bank Report. Filling guidelines refer to number 2) in Table 1.
Phone Number
Filling guidelines refer to item 14) in Table 1.
Email Address
This column is filled with the email address of the shareholder.
Example of data filling:
No. Email 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 a PSPT, this column is left blank. c) Filling guidelines refer to Roman numeral V 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 according to the legal entity form code. c) Data filling reference:
No. Legal Entity Form Code

Persero 01
Limited Liability Company 02
Regional Company 03
Public Company 04
Regional Public Company 05
Regional Joint Stock Company 06
Cooperative 07
Foreign Business Entity 08
Others 09
Example of data filling:
No. Shareholder Name Filling
PT ABC Tbk 02
PT Bank XYZ (Persero) 01
DEF Ltd. 08

Deed of Establishment Number
a) Filled with the deed of establishment number of the legal entity as stated in the deed of establishment 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) Example of filling:
No. Deed of Establishment Number Filling

Deed of establishment number is "1234" 1234
Deed of establishment number is "7A" 7A
Deed of establishment number is "09" 09

Deed of Establishment Date
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the deed of establishment date of the legal entity as stated in the deed of establishment 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). e) Example of data filling:
No. Deed of Establishment Date Filling

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

Number of the Last Amendment Deed
a) Filled with the number of the last amendment deed of the legal entity (amendment deed). 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 amendment deed for the legal entity, this column is filled with the deed of establishment number. e) Example of data filling:
No. Number of the Last Amendment Deed Filling

Deed of establishment number is "1234" 1234
Deed of establishment number is "7A" 7A
Deed of establishment number is "09" 09

Date of the Last Amendment Deed
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the date of the last amendment deed of the legal entity as stated in the last 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). e) Example of data filling:
No. Date of the Last Amendment Deed Filling

June 7, 1990 19900607
December 18, 2001 20011218
April 25, 1999 19990425

Date of Establishment of the Legal Entity
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the date of establishment of the legal entity corresponding to the deed of establishment of the shareholder's 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).
Ownership Share
a) Filled with the ownership share of the shareholder. b) Filled in percentage units with a maximum of 2 (two) decimal places, using a dot (.) as the separator. c) Share ownership is the number of shares owned by the shareholder over a period corresponding to the reporting period. d) Example of data filling:
No. Ownership Share Filling

Controlling PSP with ownership share 70.5% 70.50
PSP (from acquisition) with ownership share 80% 80.00
Shareholder with ownership share 10.76% 10.76

Date of Initial Effective Ownership
a) Filled with 8 (eight) digits in the yyyymmdd format. 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 data filling:
In the RUPS Decision Letter Number CD/1/Dir/2010 dated January 4, 2010, it is stated that the decision takes effect upon being established, so this column is filled with "20100104".
Date of Final Effective Ownership
a) Filled with 8 (eight) digits in the yyyymmdd format. b) Filled with the date of the end of share ownership, for example, ending due to sale. c) This column is not filled for existing shareholders.
Number of the General Meeting of Shareholders Decision Letter
Filled with the number of the RUPS decision letter, if any.

CHAPTER II
PERIODIC REPORTING OF ISLAMIC BUSINESS UNITS
I. FINANCIAL INFORMATION GROUP
A. LARGEST FINANCING AND FUNDING REPORT
The largest financing and funding report consists of 2 (two) pieces of information as follows:

Financing for the 50 (fifty) largest customers for customer/group financing facilities or accounts in the reporting month based on book value according to financial accounting standards.
Funding for 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 for the 50 (fifty) largest facility recipients Individual/Group Group Name Customer Name Identity Number Account Number Type of Contract Type of Usage Quality Plafond Number of Reporting Months CKPN Percentage of Total Non-Bank Third-Party Financing Percentage of Total Capital b. Funding for the 50 (fifty) largest depositors Customer Name Identity Number Account Number Type of Third-Party Funds Type of Currency Number of Reporting Months
Filling Guidelines
a. Financing for the 50 (fifty) largest facility recipients Filled with the 50 (fifty) largest financings based on an individual customer and/or group approach.

Individual/Group
Filled by selecting an individual customer or a group customer.
Group Name
a) Filled with the full name of the group. b) Mandatory to be filled for facility recipients that are groups. In the event that the customer is an individual, the group name is left blank.
Customer Name
a) Filled with the full name according to the identity document for individual customers. b) Filled according to the name stated in the business entity deed documents for corporate debtors.
Identity Number
Filled with the identity number as 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 business entity customers. 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 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 Contract
Filled with 3 (three) digits according to the type of contract code.
No. Type of Contract Code

Mudarabah 020
Mudarabah Muqayyadah 025
Musyarakah 030
Musyarakah Mutanaqisah 035
Ijarah 040
Ijarah Muntahiya Bittamlik 045
Multijasa - Education 061
Multijasa - Worship 062
Multijasa - Health 063
Multijasa - Marriage 064
Multijasa - Others 069
Murabahah Receivables 070

No. Type of Contract Code
13. Istishna Receivables 080
14. Salam Receivables 090
15. Qardh 100
16. Other Profit-Sharing Financing 119
17. Others 999
7) Type of Usage
a) Filled with 1 (one) character according to the financing usage type code. b) Data filling reference:
No. Type of Usage Code
1 Working Capital 1
2 Investment 2
3 Consumption 3
8) Quality
Filled with the type of financing quality in the Reporting Month according to the Financial Services Authority regulations regarding the assessment of the quality of assets of Islamic commercial banks and Islamic business units, with the following reference codes:
No. Quality Code

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

Plafond
a) Filled with the effective plafond nominal of the financing facility. b) For group customers, this column is filled with the total plafond.
Number of Reporting Months
a) Filled with the financing book value according to financial accounting standards. b) For group customers, this column is filled with the total number of reporting months.
CKPN
a) Filled with the provision formed for the decline in value of financial instruments according to financial accounting standards. b) For group customers, this column is filled with the total CKPN.
Percentage of Total Non-Bank Third-Party Financing
Filled with the percentage (%) of the number of reporting months value for core customers divided by the total non-bank third-party financing.
Percentage of Total Capital
Filled with the percentage (%) of the number of reporting months value divided by the amount of business funds based on quarterly financial publication reports according to Financial Services Authority Regulations regarding transparency and publication of Islamic commercial bank reports. Example of filling the Financing Form for the 50 (fifty) Largest Facility Recipients Individual/ Group Group Name Customer Name Identity Number Account Number Type of Contract Type of Usage Quality Plafond Number of Reporting Months CKPN Percentage of Total Non-Bank Third-Party Financing Percentage of Total Capital Group ABCD PT. XYZ 8348172292 REK12345 020 2 PT. ABC 2929737117 ABC12345 030 1
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 for the 50 (fifty) largest depositors Filled with the funding for the 50 (fifty) largest customers with the accumulation of third-party funds from all accounts and every type of third-party funds 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 documents for corporate customers.
Identity Number
Filled with the identity number as 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 business entity customers. 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 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 reference code for third-party funds with the following reference:
No. Type of Third-Party Funds Code

Savings 1
Checking 2
Time Deposit 3

Type of Currency
Filled with the reference code according to the Reference List – Foreign Currency Types according to regulations regarding integrated commercial bank reports.
Number of Reporting Months
Filled with the book value according to financial accounting standards for third-party funds owned by the customer. Example of filling the Funding Form for the 50 (fifty) Largest Customers for customers who have more than 1 (one) account Customer Name Identity Number Account Number Type of Third-Party Funds Type of Currency Number of Reporting Months Ahmad Prasetya R. 123456789XYZ 4.000.000.000 Rek123 Savings Rupiah 1.000.000.000 Rek234 Savings USD 1.000.000.000 Rek890 Time Deposit USD 1.000.000.000 Rek087 Time Deposit Rupiah 1.000.000.000

B. REPORT ON THE REALIZATION OF THE ISLAMIC BUSINESS UNIT BUSINESS PLAN

Format and filling guidelines for the business plan realization report according to the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units.
For form 1W500 – Report on the Realization of Human Resource Education and Training in the Islamic Business Unit business plan realization report, it is not filled starting from the business plan realization position in the first quarter of 2027.
C. QUARTERLY FINANCIAL PUBLICATION AND FINANCIAL PERFORMANCE INFORMATION REPORT
Format and filling guidelines for the Quarterly Financial Publication and Financial Performance Information Report according to the Financial Services Authority Circular Letter regarding transparency and publication of Islamic commercial bank and Islamic business unit reports. Monetary information in the Quarterly Financial Publication and Financial Performance Information Report is reported in Rupiah in full units. D. ISLAMIC BUSINESS UNIT BUSINESS PLAN SUPERVISION REPORT Format and filling guidelines for the Islamic Business Unit Business Plan Supervision Report according to the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units. E. ISLAMIC BUSINESS UNIT BUSINESS PLAN
Format and method of submitting the business plan:
a. The business plan according to the format and filling guidelines according to the Financial Services Authority Circular Letter regarding the business plan of Islamic commercial banks and Islamic business units; b. Human resource (HR) quality development plan as regulated in the Financial Services Authority Regulation regarding the development of human resource quality of Islamic commercial banks.
Subsequently, the scope of the business plan as in item 1 is added with the following reports and information:
a. Bank product implementation plan; and b. Outsourcing plan.
For form 1S200 – Human Resource Education and Training Plan in the Islamic Business Unit business plan report, it is not filled starting from the 2027 business plan.
Bank Product Implementation Plan (RPPB)
a. Bank Product Implementation Plan

Report Format
Bank Product Implementation Plan
Type of
New Bank
Product
Implementation
Schedule
Purpose/Benefit
Correlation of
New Bank
Product with
Bank Strategy
General
Description
Potential
Risks
Risk
Mitigation
Upon
Issuance of
New Product
Implementation
Mechanism
Plan for the
New Bank
Product to be
Followed
For the
Bank
For the
Customer
Filling Guidelines
a) Type of New Bank Product
(1) Filled with the type of product to be implemented according to the Financial Services Authority Regulation regarding the implementation of Islamic commercial bank products. Example: savings, financing, mobile banking, bancassurance, and so on. (2) In the event that there is more than 1 (one) type of product to be implemented, the Islamic Business Unit reports on the next row. b) Implementation Schedule Filled with 1 (one) digit according to the information on the quarter of the planned implementation of the bank product with the following reference:
No. Implementation Time Code
1 Quarter 1 01
2 Quarter 2 02
3 Quarter 3 03
4 Quarter 4 04

c) Purpose/Benefit – For the Bank
Filled with a brief description of the purpose and benefit of the new product for the Islamic Business Unit. d) Purpose/Benefit – For the Customer Filled with a brief description of the purpose and benefit of the new product for the Islamic Business Unit. e) Correlation of New Bank Product with Bank Strategy Filled with a brief description of the suitability of the implementation of the new product with the Islamic Business Unit's business strategy, business development plan, or long-term policy of the Islamic Business Unit. f) General Description Filled with a brief description describing, among other things, the product name, features, and business model of the Islamic Business Unit's product. g) Potential Risks Filled with a brief description of the potential risks that may arise from the implementation of the new product. h) Risk Mitigation Upon Issuance of New Bank Product Filled with a brief description of the steps planned by the Islamic Business Unit to prevent, reduce, or control the identified risks. i) Implementation Mechanism Plan for the New Bank Product to be Followed Filled with 1 (one) digit according to the mechanism for the bank to implement the new bank product 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 3

b. Other Information on Bank Product Implementation Plan (RPPB)

Documents containing other information related to the Islamic Business Unit's product implementation plan, including more detailed explanations/descriptions of the Islamic Business Unit's product implementation plan filled in the Bank Product Implementation Plan 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 and uploaded in portable document format (.pdf).
The Islamic Business Unit can submit changes to the RPPB through the Islamic Business Unit business plan report according to the submission of changes to the Islamic Business Unit business plan. In the event that the Islamic Business Unit submits changes to the RPPB but cannot submit changes to the Islamic Business Unit business plan again, the submission of changes to the RPPB is done through the Incidental Report.

Outsourcing Plan
a. Outsourcing Plan

Report Format
Outsourcing Plan
Type of Work
Performed via
Outsourcing
General
Description and Scope of Work
Type of
Outsourcing
Agreement
Estimated Number of Outsourcing
Workforce
Needed
Duration of
Agreement
Purpose of
Outsourcing
Analysis of
Estimated Costs and Benefits
Risk Analysis and
Risk Mitigation
Remarks
Filling Guidelines
The outsourcing plan contains an outsourcing plan for work that has never been outsourced. Renewal of outsourcing agreements is not included in work that has never been outsourced. a) Type of Work Performed via Outsourcing (1) Filled with the work performed via outsourcing according to the Financial Services Authority Regulation regarding prudential principles for Islamic commercial banks that delegate part of the implementation of work to other parties. (2) In the event that there is more than 1 (one) work performed via outsourcing, the Islamic Business Unit reports on the next row.

b) General Description 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 according to the type of outsourcing agreement with the following reference:
No. Type of Agreement Code

Contracting Agreement 1
Labor Supply Service 2
Contracting Agreement and
Labor Supply Service

Estimated Number of Outsourcing Workforce Needed
Filled with the number of outsourcing workforce needed by the Islamic Business Unit. d) Duration of Agreement (1) Filled with the agreed duration or the duration of validity of the outsourcing agreement conducted between the Islamic Business Unit and the outsourcing service provider. (2) Filled with clear time information. Example:
(a) Bank "S" has an outsourcing agreement valid for 2 (two) years, so this row is filled with information "2 years". (b) Bank "I" has an outsourcing agreement valid for 30 (thirty) months, so this row is filled with information "2 years 6 months" or "30 months". e) Purpose of Outsourcing Filled with a description detailing the results to be achieved through the implementation of outsourcing, in accordance with the overall strategy and business objectives of the Islamic Business Unit. f) Analysis of Estimated Costs and Benefits Filled with a brief description of the estimated costs and benefits of outsourcing.

g) Risk Analysis and Risk Mitigation
Filled with a brief description of the potential risks that may arise from the implementation and its mitigation steps. h) Remarks Filled with additional remarks in the event that there is other information that needs to be submitted regarding the outsourcing plan. In the event that there is no information related to the outsourcing plan, the Islamic Business Unit submits this form as a header. b. Other Information on 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.
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 and uploaded in portable document format (.pdf).

II. RISK AND CAPITAL INFORMATION GROUP
A. ISLAMIC BUSINESS UNIT LIQUIDITY COVERAGE RATIO (LCR) REPORT The Islamic Business Unit LCR Report is a Report according to the Financial Services Authority regulations regarding the obligation to fulfill the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Islamic business units. The LCR Report is presented in millions of Rupiah.

Quantitative Information
a. Report Format
Monthly Report on the Calculation of the Obligation to Fulfill the Liquidity Coverage Ratio (Liquidity Coverage Ratio) Value Outstanding or Market Value Value after Haircut or Runoff Rate or Inflow Rate A. HQLA
HQLA Level 1
1.1 Cash and cash equivalents 0% -
1.2 Total Deposits at Bank Indonesia, namely:
part of deposits at Bank Indonesia that can
be withdrawn under stress conditions 0% -
1.3 Shariah-compliant securities that meet the criteria according to POJK Number
20 of 2025 Appendix I point III Letter B item 1 letter c 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 Shariah-compliant securities issued by the Central Government and Bank Indonesia in Rupiah and foreign currency that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B item 1 letter d (e.g., SBIS and SUKBI) and letter e (e.g., Shariah Foreign Currency Term Deposits and SUVBI) 0% -

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
1.5 Sharia securities issued by the government and central banks of other countries in foreign currency with a risk weight greater than
0% that meet the criteria according to POJK Number 20 of 2025
Appendix I point III Letter B number 1 letter f
0% -
Total HQLA Level 1 A
2. HQLA Level 2A
2.1 Sharia securities that meet the criteria according to POJK Number
20 of 2025 Appendix I point III Letter B number 2 letter a:
issued or guaranteed by the government of another country 15% issued or guaranteed by the central bank of another country 15% issued or guaranteed by a public sector entity 15% issued or guaranteed by a multilateral development bank 15% 2.2 Sharia securities in the form of sukuk issued by non-financial corporations that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 2 letter b 15% 2.3 Covered sukuk in the form of securities that are not issued by the Reporting Bank or entities affiliated with the Reporting Bank that meet the criteria according to POJK Number 20 of 2025
Appendix I point III Letter B number 2 letter b
15%
Total HQLA Level 2A B
3. HQLA Level 2B
3.1
Sharia asset-backed securities (EBAS) in the form of residential homes that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter a 25% 3.2 Sharia securities issued by corporations that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter c 50%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
3.3
Ordinary shares owned by non-Bank subsidiary companies that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter d 50% 3.4 Sharia securities issued or guaranteed by the government of another country, central bank of another country, and/or entities of the public sector that meet the criteria according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter b 50% 3.5 Sukuk or other Sharia financial instruments that meet the conditions according to POJK Number 20 of 2025 Appendix I point III Letter B number 3 letter e 50% Total HQLA Level 2B C Total HQLA before adjustment A + B + C = D Adjustment for the Maximum Limit of HQLA Level 2B E Adjustment for the Maximum Limit of HQLA Level 2 F Total HQLA D - (E + F) B. Net Cash Outflow (Arus Kas Keluar Bersih)

Cash Outflow
1.1
Withdrawal of Deposits and Investments by Individual Customers with general criteria according to the criteria in POJK Number 20 of 2025
Appendix I point IV Letter A number 1 letter a
Total Deposits and Investments by individual customers:
Stable Deposits and Investments (meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) 5%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Stable Deposits and Investments (meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from cross-border customers meeting the criteria in Appendix I point V Letter B *) follow host country Total Stable Deposits and Investments from individual customers Less stable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) 10% Less stable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from DCR customers without profit sharing 15% Less stable Deposits and Investments (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 1 letter b number 1) from cross-border customers meeting the criteria in Appendix I point V Letter B *) follow host country Additional category of Deposits and Investments with a higher withdrawal rate set by the supervisor Category 1 Category 2 Category 3 Total Less stable Deposits and Investments by individual customers Total Withdrawal of Deposits and Investments by Individual Customers 1.2 Withdrawal of Funding from Micro and Small Business Customers according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter a

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Total Funding from Micro and Small Business customers:
Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:

number 2 letter a number 1) to 3) and 1) and 2); and
number 2 letter b number 1);
5%
Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:
number 2 letter b number 1); and
in the event the customer is not classified as a micro and
small business as referred to in the Law on micro, small, and medium enterprises, but the total funding amount is up to Rp5,000,000,000.00 (five billion rupiah) and is treated like individual customers, can be categorized as micro and small business customers. 5% Stable funding from customers meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A:
number 2 letter b number 1), and
criteria number 2 letter a other than number 1) to 3) cross border meeting the criteria in Appendix I point V Letter B
*) follow host country
Total Stable Funding from Micro and Small Business Customers Less stable funding from customers (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter b number 1)) 10% Less stable funding (not meeting the criteria according to POJK Number 20 of 2025 Appendix I point IV Letter A number 2 letter b number 1)) from cross-border customers meeting the criteria according to POJK Number 20 of 2025 (Appendix I point V Letter B) *) follow host country

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Less stable funding for Micro and Small Business DCR customers without profit sharing 15% Additional category of Funding with a higher withdrawal rate set by the supervisor Category 1 Category 2 Category 3 Total Less stable Funding for Micro and Small Business Total Withdrawal of Funding for Micro and Small Business
1.3 Withdrawal of Funding from Corporate Customers
Total Funding from corporate customers:
Operating accounts:
guaranteed by LPS 5% not guaranteed by LPS 25% Operating accounts meeting the criteria according to POJK Number 20 of 2025 (Appendix I point V) guaranteed by a guarantee institution *) follow host country not guaranteed by a guarantee institution *) follow host country Total Operating Accounts for corporate customers

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Non-operating accounts and/or non-operating liabilities originating from non-financial companies, Central Government, Bank Indonesia, government of another country, central bank of another country, multilateral development bank, and/or public sector entities guaranteed by LPS 20% not guaranteed by LPS 40% Non-operating accounts and/or non-operating liabilities meeting the criteria (according to POJK Number 20 of 2025 Appendix I point V Letter A and B) guaranteed by a guarantee institution *) follow host country not guaranteed by a guarantee institution *) follow host country Other non-operating accounts and/or non-operating liabilities originating from other entities meeting the criteria (according to POJK Number 20 of 2025
Appendix I point IV Letter A number 3 letter b number 2) letter b))
100%
Restricted Corporate Customer PSIA no withdrawal right before maturity 0% has withdrawal right before maturity with minimum 30 days prior notice 0% has withdrawal right before maturity with notice less than 30 days prior notice 40% Sharia securities issued by the Bank 100%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Total Non-operating accounts and/or non-operating liabilities Total Withdrawal of Funding Originating from Corporate Customers
1.4 Withdrawal of Secured Funding
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 EBAS 25% Transactions with HQLA Level 2B collateral other than EBAS 50% Transactions conducted with collateral other than HQLA 100% Total Withdrawal of Secured Funding
1.5 Other Cash Outflows (Additional Requirement)
Other cash outflows related to Sharia derivative transactions/Sharia compliance hedging according to DSN-MUI fatwa 100% Other cash outflows related to increased liquidity needs related to the downgrade of the Bank's rating in Funding transactions, Sharia derivatives/Sharia compliance hedging according to DSN-MUI fatwa, and other agreements 100%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate related to mark-to-market changes over transactions of derivatives or other transactions Net collateral flow largest absolute over 30 (thirty) days realized within 24 (twenty-four) months related to potential changes in collateral value for derivatives and other transactions 20% related to excess non-segregated collateral held by the Bank that can be contractually taken at any time by the counterparty 100% related to the obligation to provide collateral to the counterparty for a specific transaction but the counterparty (counterparty) has not yet requested such collateral 100% related to the potential exchange of collateral in the form of HQLA into non-HQLA 100% Other cash outflows related to loss of funding originating from EBAS, covered sukuk, and other structured financing instruments issued by the Bank 100% originating from asset-backed commercial paper, conduits, securities investment vehicles and other similar financing facilities that mature within 30 days ahead and assets that have the potential to be paid off within 30 days ahead 0% Other cash outflows related to commitment obligations in the form of financing facilities

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate facilities provided to individuals or Micro and Small Businesses 5% facilities provided to non-financial corporations, Central Government, Bank Indonesia, government of another country, central bank of another country, public sector entities, and/or banks multilateral development banks 10% 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, government of another country, central bank of another country, public sector entities, and/or banks 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 (the excess value between the contractual obligation to disburse funds and 50% of total cash inflow) 100%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate non-financial corporations (the excess value between the contractual obligation to disburse funds and 50% of total cash inflow) 100% Other Contingent Funding Obligations originating from trade finance instruments 3% originating from financing facilities and liquidity facilities that are unconditionally revocable uncommitted 0% originating from letters of credit (L/C) and guarantees not related to trade finance obligations 5% originating from potential requests to repurchase bank debt or related to securities investment vehicles and other financing facilities 5% originating from structured products anticipated by customers through ready marketability 5% originating from managed funds sold with the purpose of maintaining value stability 5% obligation to cover potential repurchase of sharia securities, with or without collateral, with a maturity of more than 30 (thirty) days for issuers that have affiliation with dealers or market makers 5% non-contractual obligation for customer short positions secured by other customer collateral 50% Other contractual cash outflows 100% Total Withdrawal related to Other Cash Outflows (Additional Requirement)
1.6 UUS Funding from BUK with low withdrawal risk (only to be filled if UUS) 50%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate
Total Cash Outflow
2. Cash Inflow
2.1 Secured Financing
Collateral is 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 EBAS meeting HQLA Level 2B requirements 25% Collateral in the form of HQLA Level 2B other than EBAS 50% Collateral not meeting the requirements as stated above 100% Collateral is reused to cover customer short positions 0% Total Cash Inflow Originating from Secured Financing (Secured Financing)
2.2 Counterparty Claims
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, government of another country, public sector entities, and banks multilateral development banks) 50%

Value
Outstanding or Market
Value
Value after
Haircut or Runoff Rate or
Inflow Rate others (non-financial corporate customers, Central Government, government of another country, public sector entities, and banks multilateral development banks) in the event the receipt rate originates from sharia securities that are not HQLA with a remaining maturity of less than 30 days 100% Total cash inflow based on counterparty
2.3 Other Cash Inflows
originating from net transactions of Sharia derivatives/Sharia compliance hedging according to DSN-MUI fatwa 100% originating from other contractual claims 50% Total Other Cash Inflows Total Cash Inflow Total Cash Inflow that can be Offset in the LCR Calculation (maximum 75% of Total Cash Outflow) Total Net Cash Out Flow
C. LCR
Total HQLA
Total Net Cash Out Flow
LCR Value b. Filling Guidelines

Data for each row in the Monthly LCR Report is calculated using average data from daily positions in the monthly reporting period.
Total High Quality Liquid Asset (HQLA) is filled with the total HQLA owned by the Islamic Commercial Bank after deducting value (haircut)
for each HQLA Level, consisting of HQLA Level 1, HQLA Level 2A, and HQLA Level 2B.
Total Net Cash Outflow is the total estimated cash outflow minus the total estimated cash
inflow that is expected to occur within 30 (thirty) days ahead in a stress scenario.
Outstanding Value or Market Value is filled with:
a) market value for HQLA; b) outstanding value of liabilities on the balance sheet and commitments on administrative accounts for cash outflow calculation; c) contractual claim value for cash inflow calculation.
Value after Haircut or Run-off Rate or Inflow Rate is filled with:
a) value after applying the haircut for HQLA; b) outstanding value of liabilities on the balance sheet and commitments on administrative accounts multiplied by the withdrawal rate (run-off rate) for cash outflow calculation; c) contractual claim value multiplied by inflow rate for cash inflow calculation.

Qualitative Information
a. Report Format
Calculation Analysis
Monthly Liquidity Coverage Ratio Fulfillment Ratio Report Bank Name:
Report Position:
Individual Analysis b. Filling Guidelines

In addition to quantitative information, UUS must disclose additional qualitative information in the form of explanations of
the calculation and LCR value in the Monthly LCR Report.
Qualitative LCR information is filled with the results of the analysis of the UUS's liquidity conditions, considering the significance
of 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) exposure to Sharia derivatives and the potential for collateral calls (increased liquidity needs related to downgrade of funding transactions, Sharia derivatives, and other agreements); f) currency mismatch in 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 the LCR calculation 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) and net stable funding ratio (net stable funding ratio) for general Islamic banks and Islamic business units, but considered relevant to the UUS liquidity profile.

B. INTRADAY LIQUIDITY REPORT
Format and filling guidelines for the Intraday Liquidity Report in accordance with the Financial Services Authority Circular Letter regarding the internal liquidity adequacy assessment process for general banks.

C. SIGNIFICANT FOREIGN CURRENCY LIQUIDITY COVERAGE RATIO REPORT
Format and filling guidelines for the Significant Foreign Currency Liquidity Coverage Ratio Report in accordance with the Financial Services Authority Circular Letter regarding the internal liquidity adequacy assessment process (internal liquidity adequacy assessment process) for general banks.

D. FUNDING PROFILE REPORT
Format and filling guidelines for the Funding Profile Report refer to the Financial Services Authority Circular Letter regarding the internal liquidity adequacy assessment process (internal liquidity adequacy assessment process) for general banks.

E. DISPLACED COMMERCIAL RISK AND PROFIT SHARING STRATEGY REPORT Format and filling guidelines for the Displaced Commercial Risk and Profit Sharing Strategy Report in accordance with the Financial Services Authority Circular Letter regarding the internal liquidity adequacy assessment process (internal liquidity adequacy assessment process) for general banks.

F. NET STABLE FUNDING RATIO WORKSHEET AND NET STABLE FUNDING RATIO REPORT Format and filling guidelines for the NSFR worksheet and NSFR report according to the Financial Services Authority Regulation regarding the obligation to fulfill the liquidity coverage ratio (liquidity coverage ratio) and net stable funding ratio (net stable funding ratio) for general Islamic banks and Islamic business units.

NSFR Worksheet
a. Report Format
Table 1 NSFR Worksheet – ASF Component Calculation
ASF Components
Recorded Value Based on Remaining Maturity
(In Million Rupiah)
Total
Weighted Value
No Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year ASF Factor Value ASF Factor Value ASF Factor Value ASF Factor Value 1 Capital:
1.1 Capital according to POJK KPMM 100% n.a
1.1.1 Core capital (Tier 1) 100% 0% 0% 100%
1.1.2 Supplementary capital (Tier 2) 100% 0% 0% 100%
1.2 Other capital instruments 100% 0% 0% 100%
Deposits and Investments originating from individual customers:
2.1 Stable funding
2.1.1 Deposits and Investments with no maturity
(example: checking accounts, savings) 95% n.a
2.1.2
Deposits and Investments with maturity (example: Time Deposits) n.a 95% 95% 100%
2.2 Less stable Deposits and Investments
2.2.1 Deposits and Investments with no maturity
(example: checking accounts, savings) 90% n.a
2.2.2 Deposits and Investments with
maturity (example: Time Deposits) n.a 90% 90% 100%

2.3 Less stable Deposits and Investments from
DCR customers without profit sharing n.a 90% 90% 100% Funding originating from micro and small business customers
3.1 Stable funding
3.1.1 Funding with no maturity (example: checking
accounts, savings) 95% n.a
3.1.2 Funding with maturity (example:
Time Deposits, Sharia securities) n.a 95% 95% 100%
3.2 Less stable funding
3.2.1 Funding with no maturity (example:
checking accounts, savings) 90% n.a
3.2.2 Funding with maturity (example:
time deposits, securities) n.a 90% 90% 100%
.
Less stable funding from DCR customers without profit sharing n.a 90% 90% 100% Funding originating from corporate customers:
4.1 Operating accounts 50% 50% 50% 100%
4.2
Non-operating accounts and/or other non-operating liabilities (both secured and unsecured funding) originating from:
4.2.1 Non-Financial Companies 0% 50% 50% 100%
4.2.2 Indonesian Government 0% 50% 50% 100%
4.2.3 Government of Another Country 0% 50% 50% 100%
4.2.4 Public Sector Entities 0% 50% 50% 100%
4.2.5 Multilateral Development Banks 0% 50% 50% 100%
4.2.6 Bank Indonesia 0% 0% 50% 100%

4.2.7 Central Banks of Other Countries 0% 0% 50% 100%
4.2.8 Financial Institutions 0% 0% 50% 100%
4.2.9 Others 0% 0% 50% 100% 5
Liabilities with mutually dependent asset counterparts 0% 0% 0% 0% 6 Other Liabilities and Equity:
6.1 NSFR net Sharia hedging obligations 0%
6.2 Deferred tax liabilities 100% 0% 50% 100%
6.3
Non-controlling interests that do not meet requirements to be counted as core capital (Tier 1) 100% 0% 50% 100%
6.4 Trade date payables 0% 0% 0% 0%
6.5
Other equity and liabilities not included in the above categories, including other liabilities with no maturity*) 0% 0% 50% 100% 7 Total ASF

Table 2 NSFR Worksheet – RSF Component Calculation
RSF Components
Recorded Value Based on Remaining Maturity
Total Weighted Value
No Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Balance Sheet Assets 1 Total HQLA for NSFR calculation purposes
1.1 HQLA Level 1
1.1.1 Cash and cash equivalents 0% n.a
1.1.2 Placements at Bank Indonesia 0% 0% 0% 0%
1.1.3 HQLA Level 1 excluding assets that
receive RSF factor 0%
1.1.3.
(unencumbered) n.a 5% 5% 5%
1.1.3. encumbered, based on remaining
maturity of asset encumbrance n.a 5% 50% 100%
1.2 HQLA Level 2A
1.2.1 Unencumbered n.a 15% 15% 15%
1.2.2
Encumbered, based on remaining maturity of asset encumbrance n.a 15% 50% 100%
1.3 HQLA Level 2B
1.3.1 Unencumbered n.a 50% 50% 50%

Components of RSF
Recorded Value Based on Remaining Maturity
Total Weighted Value
No Maturity¹ < 6 months ≥ 6 months - < 1 year ≥ 1 year Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor Recorded Value RSF Factor 1.3.2 Encumbered, based on the remaining maturity of the asset encumbrance n.a 50% 50% 100% Deposits/funds placed with other financial institutions for operational activities 2.1 Unencumbered 50% 50% 50% 100% 2.2 Encumbered 50% 50% 50% 100% 2.2.1 Remaining maturity of asset encumbrance < 6 months 50% 50% 50% 100% 2.2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year 50% 50% 50% 100% 2.2.3 Remaining maturity of asset encumbrance ≥ 1 year 100% 100% 100% 100% Financing classified as Current and Special Attention (performing) and Shariah securities that have not defaulted 3.1 Financing classified as Current and Special Attention (performing) provided to 3.1.1 Financial institutions guaranteed with HQLA Level 1 that meet the requirements 3.1.1. (Unencumbered) n.a 10% 50% 100% 3.1.1. Encumbered 3.1.1. 2.1 Remaining maturity of asset encumbrance < 6 months n.a 10% 50% 100% 3.1.1. 2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 100% 3.1.1. 2.3 Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.2 Financial institutions guaranteed with non-HQLA Level 1 or not meeting certain requirements or unsecured 3.1.2. (Unencumbered) n.a 15% 50% 100% 3.1.2. Encumbered 3.1.2. 2.1 Remaining maturity of asset encumbrance < 6 months n.a 15% 50% 100% 3.1.2. 2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 100% 3.1.2. 2.3 Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.3 Financial institutions and unsecured, including fund placements (with and without maturity) with other financial institutions and not for operational activities 3.1.3. (Unencumbered) 15% 15% 50% 100% 3.1.3. Encumbered 3.1.3. 2.1 Remaining maturity of asset encumbrance < 6 months n.a 15% 50% 100% 3.1.3. 2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 100% 3.1.3. 2.3 Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.4 Non-financial companies, retail customers, micro and small business customers, central government, foreign governments, Bank Indonesia, foreign central banks, and public sector entities, including:
3.1.4.
Subject to a risk weight of 35% or less in credit risk ATMR calculation 3.1.4.
1.1
(Unencumbered) n.a
50%
50%
65%
3.1.4.
1.2
Encumbered
3.1.4.
1.2.1
Remaining maturity of asset encumbrance < 6 months n.a 50% 50% 65% 3.1.4.
1.2.2
Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 65% 3.1.4.
1.2.3
Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.4.
Subject to a risk weight of more than 35% in credit risk ATMR calculation 3.1.4.
2.1
(Unencumbered) n.a
50%
50%
85%
3.1.4.
2.2
Encumbered
3.1.4.
2.2.1
Remaining maturity of asset encumbrance < 6 months n.a 50% 50% 85% 3.1.4.
2.2.2
Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 85% 3.1.4.
2.2.3
Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.5 Receivables (including financing) to Bank Indonesia and foreign central banks with a remaining maturity of less than 1 year, excluding securities issued or guaranteed by Bank Indonesia and foreign central banks 3.1.5. (Unencumbered) n.a 0% 50% 3.1.5. Encumbered 3.1.5. 2.1 Remaining maturity of asset encumbrance < 6 months n.a 0% 50% 3.1.5. 2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 3.1.5. 2.3 Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 3.1.6 Receivables to Bank Indonesia and foreign central banks (e.g., Shariah securities issued by Bank Indonesia and foreign central banks) 3.1.6. (Unencumbered) n.a 0% 5% 5% 3.1.6. Encumbered 3.1.6. 2.1 Remaining maturity of asset encumbrance < 6 months n.a 0% 5% 5% 3.1.6. 2.2 Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 50% 3.1.6. 2.3 Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.7 Residential mortgage financing, including:
3.1.7.
Subject to a risk weight of 35% or less in credit risk ATMR calculation 3.1.7.
1.1
(Unencumbered) n.a
50%
50%
65%
3.1.7.
1.2
Encumbered
3.1.7.
1.2.1
Remaining maturity of asset encumbrance < 6 months n.a 50% 50% 65% 3.1.7.
1.2.2
Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 65% 3.1.7.
1.2.3
Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.1.7.
Subject to a risk weight of more than 35% in credit risk ATMR calculation 3.1.7.
2.1
(Unencumbered) n.a
50%
50%
85%
3.1.7.
2.2
Encumbered
3.1.7.
2.2.1
Remaining maturity of asset encumbrance < 6 months n.a 50% 50% 85% 3.1.7.
2.2.2
Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 85% 3.1.7.
2.2.3
Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% 3.2 Shariah securities that have not defaulted and are not HQLA, and stocks traded on the exchange and not HQLA, subject to certain conditions 3.2.1 Unencumbered n.a 50% 50% 85% 3.2.2 Encumbered 3.2.2. Remaining maturity of asset encumbrance < 6 months n.a 50% 50% 85% 3.2.2. Remaining maturity of asset encumbrance ≥ 6 months to < 1 year n.a 50% 50% 85% 3.2.2. Remaining maturity of asset encumbrance ≥ 1 year n.a 100% 100% 100% Assets with interdependent liability pairs 0% 0% 0% 0% Other assets:
5.1
Traded physical commodities, including gold
85%
5.2
Cash, Shariah securities, and other assets recorded as initial margin for Shariah hedging contracts and cash or other assets submitted as default funds at a central counterparty (CCP) Max (85%, asset RSF factor) 5.3 NSFR net Shariah hedging assets 100% 100% 100% 5.4 20% of Shariah hedging liabilities before deduction of variation margin 100% 100% 100% 5.5 Trade date receivables 0% 0% 0% 0% 5.6 Financing or loans classified as Substandard, Doubtful, and Loss (Non-Performing Financing) 100% 100% 100% 100% 5.7 Stocks not traded on the exchange n.a 100% 100% 100% 5.8 Fixed assets n.a 100% 100% 100% 5.9 Capital reduction factors n.a 100% 100% 100% 5.10 Defaulted Shariah securities n.a 100% 100% 100% 5.11 Other assets that are encumbered follows the RSF of the asset when unencumbered 100% 5.12 Other assets not included in the above categories 100% 100% 100% 100% Total Assets Administrative Accounts Commitment liabilities in the form of financing facilities and liquidity facilities that are irrevocable or conditionally revocable 5% 5% 5% Financing facilities and liquidity facilities that are unconditionally revocable 0% 0% 0% Liabilities arising from trade finance instruments (including guarantees and letters of credit (L/C)) 3% 3% 3% Letters of credit (L/C) and guarantees not related to trade finance liabilities 5% 5% 5% Non-contractual liabilities 5% 5% 5% Total administrative account transactions Total RSF Net Stable Funding Ratio (Net Stable Funding Ratio (%))

b. Filling Guidelines

The "Core Capital (Tier 1)" column is filled with the amount of business funds based on quarterly financial publication reports in accordance with the Financial Services Authority Regulation regarding transparency and publication of bank reports.
The "Recorded Value Based on Remaining Maturity" column is filled with:
a) recorded values of liabilities and equity for the calculation of available stable funding (ASF); or b) recorded values of assets and commitment values on administrative accounts for the calculation of required stable funding (RSF), referring to the Financial Services Authority regulations regarding the obligation to fulfill the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Shariah business units.
The "Total Weighted Value" column is filled with the sum of all recorded values after being multiplied by the ASF/RSF factor for each ASF and RSF component.
The components of ASF and RSF calculations refer to the Financial Services Authority regulations regarding the obligation to fulfill the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Shariah business units.

NSFR Report
a) Quantitative Information
(1) Report Format
NSFR Report
(in millions of rupiah)
Reporting Date Position (T)
Previous Reporting Date Position (T-1)
Recorded Value Based on Remaining Maturity (in millions of rupiah) Total Weighted Value Recorded Value Based on Remaining Maturity (in millions of rupiah) Total Weighted Value No Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year No Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Available Stable Funding (ASF) Components Capital:
Capital
Other capital instruments
Deposits and Investments from retail customers and Financing from micro and small business customers:
Deposits and Investments/Stable Financing
Deposits and Investments/Less stable financing Deposits and Investments/Less stable financing from DCR customers without profit sharing Financing from corporate customers:
Operational accounts
Other financing from corporate customers
Liabilities with interdependent asset pairs
Other liabilities and equity:

(in millions of rupiah)
Reporting Date Position (T)
Previous Reporting Date Position (T-1)
Recorded Value Based on Remaining Maturity (in millions of rupiah) Total Weighted Value Recorded Value Based on Remaining Maturity (in millions of rupiah) Total Weighted Value No Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year No Maturity < 6 months ≥ 6 months - < 1 year ≥ 1 year Net Stable Funding Ratio (Net Stable Funding Ratio (%)) (2) Filling Guidelines (a) The "Reporting Date Position (T) - Recorded Value Based on Remaining Maturity (in millions of rupiah)" column and the "Previous Reporting Date Position (T-1) - Recorded Value Based on Remaining Maturity" column are filled with:
i. recorded values of liabilities and equity for the calculation of available stable funding (ASF); or
ii. recorded values of assets and commitment values on administrative accounts for the calculation of required stable funding (RSF),
referring to the Financial Services Authority regulations regarding the obligation to fulfill the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Shariah business units. (b) The "Total Weighted Value" column is filled with the sum of all recorded values after being multiplied by the ASF or RSF factor for each ASF and RSF component. (c) The components of ASF and RSF calculations refer to the Financial Services Authority regulations regarding the obligation to fulfill the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Shariah business units. (d) The "Capital" row is filled with the amount of business funds based on the quarterly financial publication reports of the Shariah Business Unit (UUS) in accordance with this Circular. (e) The "All other assets not included in the above categories" row is filled with other assets not included in the above categories, including but not limited to commemorative coins and notes, travelers' cheques purchased/assumed, advances to customers, collection receivables, other receivables, deferred income in the context of financing restructuring, receivables to be received, tax advances, prepaid expenses, deferred expenses, and government program bailouts.

b) Qualitative Information
(1) Report Format
UUS NSFR Development Analysis
Analysis
(2) Filling Guidelines
(a) In addition to quantitative information in the form of NSFR calculations and values, UUS must disclose additional qualitative information, both individually and on a consolidated basis, in the form of NSFR development analysis. (b) The individual or consolidated NSFR report development analysis explains at least:
i. Main factors affecting the NSFR value and reasons for changes during the current period or between periods, including but not limited to:
(i) changes in bank funding or intermediation strategy; (ii) shifts in funding structure (e.g., from short-term to long-term funds); (iii) relevant market or economic conditions; and (iv) management decisions impacting the bank's balance sheet structure.
ii. Composition of interdependent assets and liabilities in accordance with the Financial Services Authority Regulation regarding the liquidity coverage ratio and net stable funding ratio for Islamic commercial banks and Shariah business units, as well as the degree of interconnection between such transactions. These assets and liabilities must meet contractual conditions that:
(i) liabilities will not mature while the related assets are still recorded in the financial position report; (ii) principal payment cash flows from related assets can only be used to settle related liabilities; and (iii) related liabilities cannot be used to finance other assets.

G. SURVIVAL PERIOD MONITORING REPORT
Format and filling guidelines for the Survival Period Monitoring Report are in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

H. INTERNAL LIQUIDITY ADEQUACY ASSESSMENT PROCESS (ILAAP) REPORT Format and filling guidelines for the Survival Period Monitoring Report are in accordance with the Financial Services Authority Circular regarding the internal liquidity adequacy assessment process for commercial banks.

I. RISK PROFILE REPORT
The Risk Profile Report is a Report in accordance with the Financial Services Authority regulations regarding the implementation of risk management for Islamic commercial banks and Shariah business units. The individual Risk Profile Report submitted by the UUS consists of 2 (two) forms, namely:

Risk Profile for UUS; and
Supporting Documents.
Risk Profile for UUS
a. Report Format
Risk Profile Report
Risk Profile
Current Quarter Assessment
Previous Quarter Position Assessment
Risk Rating
Inherent Risk Rating
Risk Management Implementation Quality Rating
Risk Level Rating
Inherent Risk Rating
Risk Management Implementation Quality Rating
Risk Level Rating
Credit Risk
Market Risk
Liquidity Risk
Operational Risk
Legal Risk
Strategic Risk
Compliance Risk
Reputational Risk
Yield Risk
Investment Risk
Composite Rating
Analysis

b. Filling Guidelines
The method for assessing the risk profile for Banks is in accordance with the Financial Services Authority regulations regarding the implementation of risk management for Islamic commercial banks and Shariah business units.

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

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

The "Composite Rating" row for Inherent Risk Rating, Risk Management Implementation Quality Rating, and Risk Level Rating is filled with 1 (one) digit with the following reference:
No. Composite Rating Code

PK-1 1
PK-2 2
PK-3 3
PK-4 4
PK-5 5

The risk profile assessment table is submitted comparatively with the previous quarter's position. For example, the Risk Profile Report for Quarter II of the year 2030 is submitted comparatively with the Risk Profile Report for Quarter I of the year 2030.
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, with a focus on significant risk exposures at the UUS.

Supporting Documents
Supporting documents contain information including:
a. Risk analysis worksheets containing at least the following:

Risk Rating: The final conclusion regarding the Bank's risk level, encompassing inherent risk level and risk management implementation quality, thereby describing the Bank's Risk level.
Inherent Risk: Description of the inherent risk assessment based on analysis of assessment factors using both quantitative and qualitative indicators, thereby describing the Bank's inherent risk level.
Risk Management Implementation Quality: Analysis of Risk Management Implementation Quality consists of risk governance; risk management framework; risk management process, HR, and risk management information systems; and risk controls.
b. Information on the Bank's transactions with related parties on an individual basis that are material, namely transactions with a value exceeding 0.25% of business funds. The scope of related parties and the scope of related party transactions are regulated in the Financial Services Authority Circular regarding the governance of commercial banks. The Financial Services Authority may request more detailed and specific information when necessary.

J. SELF-ASSESSMENT REPORT ON THE HEALTH LEVEL OF UUS The self-assessment report on the Bank's health level is a Report in accordance with the Financial Services Authority Regulation regarding the Assessment of the Health Level of Islamic Commercial Banks and Shariah Business Units. The self-assessment report on the Bank's health level consists of 2 (two) pieces of information, namely:

Self-assessment of the UUS health level; and
Supporting documents.
Self-Assessment Report on Bank Health Level
a. Report Format
Self-Assessment Report on UUS Health Level
Risk Profile Inherent Risk Rating
Risk Management Implementation Quality Rating
Risk Level Rating
Credit Risk
Market Risk
Liquidity Risk
Operational Risk
Legal Risk
Reputational Risk
Strategic Risk
Compliance Risk
Yield Risk
Investment Risk
Composite Rating
Analysis

b. Filling Guidelines
The procedure 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 Islamic commercial banks and Islamic business units.

Each assessment for credit risk, market risk, liquidity risk, operational risk, legal risk, strategic risk, compliance risk, reputational risk, yield risk, and investment risk is filled with reference codes as follows:

No. Inherent Risk Rating Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5

No. Inherent Risk Rating Code

Strong 1
Satisfactory 2
Fair 3
Marginal 4
Unsatisfactory 5

No. Inherent Risk Rating Code

Rating 1 1
Rating 2 2
Rating 3 3
Rating 4 4
Rating 5 5

The "Composite Rating" row for Inherent Risk Rating, Risk Management Implementation Quality Rating, and Risk Level Rating is filled with reference codes as follows:

No. Composite Rating for Inherent Risk Rating Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5

No. Composite Rating for Risk Management Implementation Quality Rating Code

Low 1
Low to Moderate 2
Moderate 3
Moderate to High 4
High 5

No. Composite Rating for Risk Level Rating Code

Rating 1 1
Rating 2 2
Rating 3 3
Rating 4 4
Rating 5 5

The analysis table is filled with an explanation of the bank's overall risks, including assessments of inherent risk and risk management implementation quality, with a focus on significant risk exposures in the UUS.

Supporting Documents
a. Supporting documents contain information at least:

Risk analysis assessment including:
a) Risk Rating: The final conclusion regarding the UUS risk level, encompassing inherent risk level and risk management implementation quality, thereby describing the UUS risk level; b) Inherent Risk: An explanation of the inherent risk assessment based on analysis of assessment factors using both quantitative and qualitative indicators, thereby describing the UUS inherent risk level; c) Risk Management Implementation Quality: Analysis of the quality of risk management implementation consisting of risk management framework governance, risk management processes, human resources, risk management information systems, and risk controls;
More detailed explanations/explanations from the analysis presented in the self-assessment of the UUS health level (if any); and
Information on bank transactions with parties having special relationships on an individual basis that are material, namely transactions exceeding 0.25% of business funds.
The scope of parties having special relationships and the scope of transactions with parties having special relationships are as regulated in the Financial Services Authority Circular Letter regarding the governance of commercial banks. The Financial Services Authority may request more detailed and specific information when necessary. b. Documents are uploaded in portable document format (.pdf) that can be further processed.

K. SHARIAH SUPERVISORY BOARD SUPERVISION RESULTS REPORT The DPS Supervision Results Report in accordance with the Financial Services Authority Circular Letter regarding the implementation of Shariah governance for Islamic commercial banks and Islamic business units, which includes information at least regarding:

DPS supervision results regarding policies and the course of management by the bank's board of directors related to the implementation of Shariah principles;
DPS Shariah advice and opinions to the bank's board of directors, including the results of consultation services and opinions to the Shariah compliance function, Shariah risk management function, and Shariah internal audit function;
Opinions regarding the fulfillment of Shariah principles to the committee supporting the execution of the duties of the board of commissioners; and
Other duties carried out by the DPS (if any).
This report is uploaded in portable document format (.pdf) that can be further processed.

CHAPTER III
PERIODIC KPBLN REPORTS
I. FINANCIAL INFORMATION GROUP
A. KPBLN REPORTS RELATED TO CUSTOMERS IN INDONESIA RECEIVING FINANCING OR OTHER FUNDING PROVISION FACILITIES/BANK GUARANTEES FROM HEAD OFFICES OR BRANCHES ABROAD KPBLN reports related to customers in Indonesia receiving financing or other funding provision facilities/bank guarantees from head offices or branches abroad in accordance with the Financial Services Authority Regulation regarding Islamic commercial banks. This report is reported in full units in Rupiah.

Report Format
Customers in Indonesia Receiving Financing or Other Funding Provision Facilities/Bank Guarantees Customer Name Identity Number Currency Type Customer Group Economic Sector Funding Provision Facility Start Date Maturity Date Quality Plafond Debit Balance
Filling Guidelines
a. Customer Name
Filled with the customer's name without titles as stated in the identity document.
Example:
No. Customer Name Filling
The identity document states the customer name as "Putra Natanegara, SE., MM." ("SE" and "MM" are academic titles).
Putra Natanegara
The identity document states the customer name as "Hj. Fatimah" ("Hj" is a religious title).
Fatimah
The identity document states the employee name as "R. A. Rahman Hakim" ("A" is not a nobility title).
A. Rahman Hakim
The identity document states the employee 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 customers or the Taxpayer Identification Number (NPWP) for legal entity customers as recorded in the KPBLN internal 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

The customer is an Indonesian citizen and has a KTP with NIK "1234567891234567"
1234567891234567
The customer is a foreign citizen and has a Passport with number "PA1187434"
PA1187434
The customer 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 funding provision facilities referring to the reference list of currency types in accordance with regulations on integrated commercial bank reports.

d. Customer Group
Filled with the customer group code according to the following reference:

No. Customer 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 Institutions Operating Outside Indonesia S225AL
Financial Institution - Foreign State-Owned Non-Bank Financial Institutions S225BL
Non-Financial Company S21L
International Institutions S2LL
Foreign Diplomatic Missions and Staff S24AL
Individual S24BL
Others S299L

e. Economic Sector
This column is filled with the economic sector code 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, Waste Water 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 Service 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 Agencies and Other Business Support N00000
Public Administration, Defense and Mandatory Social Security O00000
Education P00000
Human Health and Social Work Activities Q00000
Arts, Entertainment and Recreation R00000
Other Service Activities S00000
Households as Employers; 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. Funding Provision Facility
Filled with 2 (two) digits of the funding provision facility type according to the following reference:

No. Funding Provision Facility Code

Financing 01
Guarantee 02
Others 99

g. Start Date

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

h. Maturity Date

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

i. Quality

Filled with the type of quality of the funding provision facility in the reporting month in accordance with the Financial Services Authority Regulation regarding the assessment of the quality of assets of Islamic commercial banks and Islamic business units.
Data filling reference:
No. Quality Code

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

j. Plafond
Filled with the effective plafond nominal of the funding provision facility.

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

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

B. KPBLN WORK PLAN
The KPBLN Work Plan in accordance with the Financial Services Authority Regulation regarding Islamic commercial banks. Documents are uploaded in portable document format (.pdf) that can be further processed.

Determined 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 LETTER
REPUBLIC OF INDONESIA
NUMBER 33/SEOJK.03/2025
REGARDING
REPORTING BY ISLAMIC COMMERCIAL BANKS AND ISLAMIC BUSINESS UNITS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

GUIDELINES FOR THE PREPARATION OF
INCIDENTAL REPORTS
BUS, UUS, AND KPBLN

CHAPTER I
GENERAL EXPLANATION

Reporting Purpose
Incidental Reports of BUS, UUS, and KPBLN prepared according to the systematics in these guidelines are intended for the fulfillment of the obligation of BUS, UUS, and KPBLN to submit Reports to the Financial Services Authority in accordance with applicable laws and regulations.
Report Preparation
BUS, UUS, and KPBLN prepare data and/or information to compile Incidental Reports. Each Incidental Report consists of 2 (two) forms filled with details as follows:

No. Form Form Name

01.00 Primary Information
02.00 Supporting Documents

BUS, UUS, and KPBLN compile Incidental Reports in text file (.txt) format for Form 01.00 – Primary Information and portable document format (.pdf) for Form 02.00 – Supporting Documents.

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

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

CHAPTER II
EXPLANATION OF INCIDENTAL REPORT FORMS
A. Form 01.00 Format – Primary Information
Form 01.00
PRIMARY 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
PRIMARY 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
PRIMARY INFORMATION
15 16 17 18 19 20 21
Office Type
Address
New/Temporary Address
Completion Date of Violation/Dangerous Condition/Special Condition Reason/Explanation PJTI Name/Participating Party

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

B. Explanation of Form 01.00 – Primary 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. Report Code Report Name

PG001 Report on publication of material information or facts
PG002 Special report on internal audit findings
PG003 Supervision follow-up report
PG004 Board of Commissioners report on findings:
a. Violations of laws and regulations in the field of finance, banking, and related to BUS business activities; and b. Conditions or estimated conditions that may endanger the continuity of BUS business
PG005 Report in the event of conditions:
a. Re-evaluation of materiality results show that the IT service provider's performance is potentially not running effectively; b. Deterioration of IT service provision performance by the IT service provider that potentially causes and/or results in significant impact on BUS business activities and/or operations;
c. The IT service provider becomes insolvent, in the process towards liquidation, or is declared bankrupt by the court;
d. Violations by the IT service provider regarding laws and regulations on bank secrecy and/or customer personal data; e. Conditions causing BUS 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 BUS
PG006 IT incident report that potentially and/or has resulted in significant losses and/or disrupted the smooth operation of BUS
PG007 Special report on policies and/or decisions of the board of directors that, according to the director overseeing the compliance function, have deviated from laws and regulations
PG008 IT strategic plan and its amendments
PG009 Corporate plan and its amendments
PG011 Follow-up plan to adjust to the maximum share ownership limit
PG012 Follow-up plan for exceeding capital participation limits
PG013 Follow-up plan in the event that the debtor, which is a company where capital participation is temporarily held, has not obtained cumulative profits
PG014 Follow-up plan for BMPD violation resolution and/or BMPD exceedance
PG015 Follow-up plan resulting from the assessment of the health level of BUS and UUS by the Financial Services Authority
PG016 Follow-up plan resulting from the assessment of the health level of BUS and UUS based on BUS and UUS self-assessment results
PG017 Plan to fulfill capital surcharge for systemic BUS
PG018 BUS follow-up plan in normal supervision experiencing difficulties endangering business continuity if other actions are to be taken besides those already included in the recovery action plan
PG019 Report on the realization of the implementation of the BUS recovery action plan in normal supervision experiencing difficulties endangering business continuity
PG020 Report on the implementation of the follow-up plan to adjust to the maximum share ownership limit
PG021 Report on the implementation of the follow-up plan for BMPD violation resolution and BMPD exceedance
PG022 Report on the realization of the implementation of the follow-up plan if other actions are taken besides those included in the recovery action plan for BUS in normal supervision experiencing difficulties endangering business continuity
PG023 Report on the realization of the implementation of health improvement steps set by the Financial Services Authority for BUS in normal supervision experiencing difficulties endangering business continuity
PG024 Report on the realization of the implementation of the follow-up plan for BUS in health improvement if other actions are to be taken besides those already included in the Recovery Action Plan.
PG025 Report on the realization of the implementation of health improvement steps set by the Financial Services Authority for BUS in health improvement
PG026 Follow-up plan for written orders
PG027 Report on the progress of the implementation of the follow-up plan for written orders
PG028 Report on the fulfillment of written orders
PG029 Report on the implementation of the follow-up plan to fulfill the net stable funding ratio - BUS and UUS individually, for BUS and UUS unable to fulfill the net stable funding ratio according to the stages
PG030 Report on the implementation of the follow-up plan to fulfill the net stable funding ratio - BUS consolidated, for BUS unable to fulfill the net stable funding ratio according to the stages
PG031 Follow-up plan for BUS in health improvement if other actions are to be taken besides those already included in the recovery action plan
PG032 Report on the realization of the implementation of the recovery action plan for BUS in health improvement
PG033 Report on BUS in health improvement
PG034 Follow-up plan to fulfill the net stable funding ratio for BUS and UUS individually, for BUS and UUS unable to fulfill the net stable funding ratio according to the stages
PG035 Follow-up plan to fulfill the net stable funding ratio for BUS consolidated, for BUS unable to fulfill the net stable funding ratio according to the stages
PG036 Net stable funding ratio working paper and Net stable funding ratio report - BUS consolidated, for BUS unable to fulfill the net stable funding ratio according to the stages
PG037 Net stable funding ratio working paper and Net stable funding ratio report - BUS and UUS individually, for BUS and UUS unable to fulfill the net stable funding ratio according to the stages
PG038 Report on the fulfillment of the individual liquidity coverage ratio, in the event that BUS and UUS are unable and/or potentially unable to fulfill the liquidity coverage ratio according to the stages
PG039 Report on the fulfillment of the consolidated liquidity coverage ratio, in the event that BUS is unable and/or potentially unable to fulfill the liquidity coverage ratio according to the stages
PG040 Follow-up plan to fulfill the leverage ratio - BUS individually
PG041 Follow-up plan to fulfill the leverage ratio - BUS consolidated
PG042 Realization of the follow-up plan to fulfill the leverage ratio individually
PG043 Realization of the follow-up plan to fulfill the leverage ratio consolidated
PG044 Report on significant Shariah principle violations
KU002 Report on the implementation of intermediary bank business activities
KU003 Report on the implementation of banking business activities
KU004 Report on the implementation of BUS business activities
KU005 Report on changes to the plan for the implementation of BUS and UUS products
KU006 Report on the implementation of activities for BUS that act as credit enhancement providers, liquidity facility providers, servicers and/or custodian banks
KU007 Copy of banking synergy cooperation agreements and Shariah supervisory board opinions, including amendments if any
KU008 Report on the termination of banking synergy cooperation before the cooperation agreement period ends
KU009 Report on the plan to transfer financial assets or Shariah assets in the activity of asset securitization as a whole
KU010 Report on the implementation of the transfer of financial assets or Shariah assets in the activity of asset securitization as a whole
KU011 Report on the evaluation of digital service provision
KL001 Report on the implementation of BUS merger or amalgamation
KL002 Report on the implementation of BUS takeover
KL003 Report on the implementation of BUS integration
KL004 Plan for changes to the business group structure related to BUS, including the legal entity owner of BUS up to ultimate shareholders
KL005 Report on changes to the legal entity form of the KPBLN head office
KL008 Report on changes to the BUS articles of association
KL009 Report on the audited closing financial position of BUS whose business license has been revoked, related to the revocation of the BUS business license
KL010 Information on the implementation of logo changes and proof of announcement of logo changes for BUS and UUS
KL013 Proof of announcement of name changes for BUS and UUS
KL015 Report on the appointment or dismissal of the head of the internal audit work unit
KL016 Report on the appointment of BUS main parties
KL017 Report on the cancellation of the appointment of candidates for board of directors members, candidates for board of commissioners members and/or candidates for Shariah supervisory board members that were not approved by the Financial Services Authority but have been appointed by BUS
KL018 Report on the temporary replacement of the director that
KL019 Report on the termination of principal parties prohibited from being principal managers and/or principal officials
KL022 Report on the termination, resignation, or death of members of the Board of Directors, members of the Board of Commissioners, and members of the Sharia Supervisory Board
KL023 Report on the appointment of the KPBLN leader
KL024 Report on the termination, resignation, or death of the KPBLN leader
KL025 Report on the address transfer of the KPBLN
KL026 Report on temporary changes to the office network
KL027 Report on the appointment of foreign workers as executive officials
KL029 Report on the transfer of share ownership for prospective controlling shareholders not approved by the Financial Services Authority but who already hold shares in the BUS
KL030 Report on share purchases that do not result in a change of control and are intended to be recorded in BUS ownership
KL031 Report on the transfer of share ownership for principal parties prohibited from being controlling principals or holding shares
KL032 Report on the progress of compliance fulfillment for BUS to be taken over by a party that has become a controlling shareholder in more than one bank
KL033 Report on changes in paid-up capital of BUS caused by dividends distributed in the form of shares
KL034 Information on changes in the bank's basic capital
KL035 Report on the implementation of business activities based on Sharia principles (change of business activities of conventional commercial banks to BUS)
KL036 Report on the implementation of business activities of BUS resulting from separation
KL037 Report on the implementation of separation of Sharia business units for BUS receiving separation
KL038 Implementation of Sharia business unit activities (opening of new Sharia business units)
LL001 Minutes of the General Meeting of Shareholders (RUPS) other than part of the licensing or reporting process in Financial Services Authority Regulations regarding Sharia Commercial Banks
LL002 Divestment implementation plan
LL003 Report on the results of cybersecurity testing based on scenarios
LL004 Report on the results of review by independent external parties
Event Date
The date reported in this column is the date the event or occurrence occurred, which obligates BUS, UUS, and KPBLN to submit the Report, or the date when BUS, UUS, and KPBLN are first obligated to submit the Report in accordance with banking sector legislation. As an example:
a. Bank "ABC" is a bank resulting from a change in business activities from conventional to Sharia, and commenced business activities on July 1, 2026. In accordance with POJK Number 64/POJK.03/2016 regarding Change of Business Activities of Conventional Banks to Sharia Banks, BUS "ABC" is required to submit the Report on the implementation of business activities based on Sharia principles (change of business activities to BUS) at the latest 10 (ten) working days after the date of implementation of business activities. In this event, the event date is the date of implementation of business activities as a Sharia commercial bank. b. Bank "RHW" made a change in paid-up capital of BUS caused by dividends distributed in the form of shares. In accordance with Financial Services Authority Regulations regarding Sharia commercial banks, BUS submits the report at the latest 10 (ten) working days after the change is made. In this event, the event date is the date the paid-up capital change is made.
LL005 Report in the event that BUS decides to stop using an information technology service provider (PJTI) as a follow-up action to be taken to address problems
LL007 Report on the results of external review regarding the implementation of Sharia governance
LL999 Others

No. Code | Report | Event Date

PG001 | Date the material information or fact was found by BUS
PG002 | Date the internal audit finding was discovered
PG003 | Date of the Financial Services Authority letter
PG004 | Date the violation/dangerous condition was discovered
PG005 | Date the condition was known by BUS
PG006 | Date the IT incident was known
PG007 | Date the deviation was known by the director overseeing compliance functions
PG008 | Year of the work plan or date of changes to the IT strategic plan
PG009 | Year of the corporate plan or date of changes to the 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 exceedance of capital participation limits occurred
PG013 | Date the 5 (five) year temporary capital participation period ends
PG014 | Filled with:
a. date the Financial Services Authority establishes the occurrence of BMPD violations; b. end of the month of the Report on the occurrence of conditions causing BMPD exceedance; and/or
c. date new regulations causing BMPD exceedance are implemented
PG015 | Date of Financial Services Authority request
PG016 | End of June position or end of December position after bank health assessment
PG017 | Date of written notification from the Financial Services Authority
PG018 | Date of other actions to be taken other than those already included in the recovery action plan
PG019 | Date BUS in normal supervision is determined to be experiencing difficulties endangering its business continuity
PG020 | Filled with:
a. date of realization of the action plan; or b. according to the stages of the action plan
PG021 | Date of the target time for completion of the action plan
PG022 | Date BUS in normal supervision is determined to be experiencing difficulties endangering its business continuity
PG023 | Date BUS in normal supervision is determined to be experiencing difficulties endangering its business continuity
PG024 | Date of other actions to be taken other than those already included in the recovery action plan
PG025 | Date of implementation of health improvement steps
PG026 | According to the date set by the Financial Services Authority
PG027 | According to the date set by the Financial Services Authority
PG028 | Date the written order is fulfilled
PG029 | Target time for completion of action plan for NSFR fulfillment
PG030 | Target time for completion of action plan for NSFR fulfillment
PG031 | Date of other actions to be taken other than those already included in the recovery action plan
PG032 | Date of realization of implementation of the recovery action plan
PG033 | Date BUS is established as a bank in health improvement
PG034 | Date BUS faces conditions unable to meet NSFR according to stages
PG035 | Date BUS faces conditions unable to meet NSFR according to stages
PG036 | Date BUS is unable to meet NSFR according to stages
PG037 | Date BUS is unable to meet NSFR according to stages
PG038 | Date BUS is unable and/or potentially unable to meet LCR
PG039 | Date BUS is unable and/or potentially unable to meet LCR
PG040 | Date BUS is unable to meet the leverage ratio according to regulations
PG041 | Date BUS is unable to meet the leverage ratio according to regulations
PG042 | Date of the target time for completion of the action plan
PG043 | Date of the target time for completion of the action plan
PG044 | Date the violation was found
KU002 | Date of implementation of business activities
KU003 | Date of implementation of operational activities
KU004 | Date of implementation of operational activities
KU005 | Date the change is made
KU006 | Date the agreement is signed
KU007 | Filled with:
a. date of the cooperation agreement b. date of change to the cooperation agreement
KU008 | Date of effective termination of the cooperation agreement
KU009 | Date the financial asset transfer agreement or Sharia asset transfer agreement is signed
KU010 | Date the financial asset transfer agreement or Sharia asset transfer agreement is signed
KU011 | Date of implementation of digital services meeting new product criteria
KL001 | Date the merger or consolidation becomes effective
KL002 | Date the takeover becomes effective
KL003 | Date of effective integration
KL004 | Date of change in business group structure
KL005 | Date of approval of legal entity changes by local authorities
KL008 | Filled with:
a. date of implementation of operational activities b. date of receipt of approval/notification of articles of association changes from the competent agency
KL009 | Date of decision to revoke business license from the Financial Services Authority
KL010 | Date of effective logo change
KL013 | Date of announcement of BUS name change
KL015 | Date of appointment or termination of the head of the internal audit work unit
KL016 | Date of appointment of principal parties
KL017 | Date RUPS cancels the appointment
KL018 | Date the acting temporary official effectively begins duties
KL019 | Filled with:
a. date of RUPS holding the termination of principal managers; and/or b. date of termination of principal officials
KL022 | Date of letter of termination, resignation, or declaration of death
KL023 | Date of effective appointment
KL024 | Date of letter of termination, resignation, or declaration of death
KL025 | Date of effective implementation of KPBLN address transfer
KL026 | Filled with:
a. date of implementation of temporary transfer for Report on temporary transfer of BUS office network addresses; b. date of implementation of temporary closure for information on temporary closure of BUS offices other than the head office
KL027 | Date of effective appointment
KL029 | Filled with:
a. according to regulations regarding articles of association in each financial services institution; b. date RUPS approves the transfer of share ownership.
KL030 | Date of notification to the minister regarding articles of association changes
KL031 | Date RUPS approves the transfer of share ownership
KL032 | Date of BUS approval for the plan to fulfill regulations
KL033 | Date the paid-up capital change is made
KL034 | Date of approval of articles of association changes from the competent agency
KL035 | Date of implementation of business activities
KL036 | Date of implementation of business activities
KL037 | Date of implementation of separation
KL038 | Date of implementation of business activities
LL001 | Date of RUPS holding
LL002 | Date of divestment plan
LL003 | Date cybersecurity testing is completed
LL004 | End of June as the review period
LL005 | Date BUS stops using the IT service provider before the contract period ends
LL007 | End of June as the review period
LL999 | According to applicable regulations
OJK Decision Letter Number
The number reported in this column is the number of the decision letter or approval letter issued by the Financial Services Authority.
OJK Decision Letter Date
The date reported in this column is the date the decision letter or approval letter was issued by the Financial Services Authority.
Notary/Government Decree Number
The number reported in this column is the number of the notary deed or decree issued by the Regional Government.
Notary/Government Decree Date
The date reported in this column is the date the notary deed or decree was established by the Regional Government.
Competent Agency Approval Number
The number reported in this column is the number of the approval issued by the competent agency.
Competent Agency Approval Date
The date reported in this column is the date the approval letter was issued by the competent agency.
Effective Date/Start Date
The date reported in this column is the effective date or start date of the occurrence or event.
Principal Party/Shareholder Name
The name reported in this column is the full name of:
a. members of the Board of Directors, members of the Board of Commissioners, members of the Sharia Supervisory Board, shareholders, or executive officials at the relevant BUS and UUS; b. the leader of the relevant KPBLN.
NIK/NPWP
The number reported in this column is the Population Identity Number/KITAP/KITAS/Passport in the event that the reported party is an individual, or the Taxpayer Identification Number (NPWP) in the event that the reported party is a legal entity.
Position
The position reported in this column is the position of the reported party according to the following reference:
No. Code | Position
01 | President Director
02 | Director
03 | Lead Commissioner
04 | Commissioner
05 | Independent Commissioner
06 | Controlling Shareholder
07 | Shareholder
08 | Sharia Supervisory Board
09 | Executive Official
10 | KPBLN Leader
99 | Others
Product Type and/or Activity
The code reported in this column is the code for the type of product and/or activity owned by BUS and UUS, with the following reference:
No. Code | Product Type and/or Activity
01 | Basic product
02 | Other basic products
03 | Advanced products based on information technology
04 | Advanced products related to the organization of activities or products of non-bank financial service institutions or affecting risk profile assessment
05 | Advanced products requiring approval and/or consent from other authorities
06 | Sales activities
99 | Others
Product and/or Activity Name
The name reported in this column is the name of the product and/or activity organized by BUS and UUS.
Branch Type
The code reported in this column is the code for the type of branch with the following reference:
No. Code | Branch Type
01 | Head Office
02 | Regional Office
03 | Branch Office
04 | Sub-Branch Office
05 | Functional Office
07 | Representative Office of a Bank Located Abroad
99 | Others
Address
The address reported in this column is the address of the BUS, UUS, and KPBLN offices before the change of the BUS, UUS, and KPBLN office address. The reported office address of BUS, UUS, and KPBLN contains the street name and number, village/district, sub-district, city/regency, province, and postal code.
New/Temporary Address
The address reported in this column is the office address after a temporary change of the office address. The reported office address contains the street name and number, village/district, sub-district, city/regency, province, and postal code.
End Date
The date reported in this column is the date the event or condition is declared completed.
Violation/Dangerous Condition/Specific Condition
The code reported in this column is the code for the type of violation/dangerous condition/specific condition with the following reference:
No. Code | Violation/Dangerous Condition/Specific Condition
1 | If there is a violation of legislation regulations
2 | Dangerous condition, if there are conditions/situations that can endanger business continuity
3 | If it meets number 1 and number 2
Reason/Description
The reason or description reported in this column is regarding the implementation of specific activities/conditions/events.
PJTI/Partner Party Name
The name reported in this column is:
a. the name of the information technology service provider (PJTI) if BUS cooperates with PJTI or filled with "inhouse" if information technology organization is done independently, or b. the name of the party collaborating with BUS.
Register/Reference
The code reported in this column is the register code for the commitment of the action plan or supervisory follow-up in the form of a unique code in numeric and/or alphanumeric format for each commitment reported. The 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 supervisory follow-up; b. a register code used for one commitment cannot be used for other commitments (no reuse/no recycle);
c. a reported register code cannot change (must be consistent) as long as the commitment is still recorded in the Report or not yet completed; and
d. the register code cannot contain characters other than numbers and/or letters.
Improvement Steps
The description reported in this column is the description of the steps or stages of the action plan or supervisory follow-up, containing among others:
a. matters to be done in the context of fulfilling the action plan; and/or b. other important information in the context of fulfilling the action plan.
Target Completion Time
The date reported in this column is the target completion date for the action plan or supervisory follow-up.
Realization
The description reported in this column is the description of the realization of the action plan or supervisory follow-up, containing among others:
a. matters that have been done in the context of fulfilling the action plan; and/or b. other important information in the context of fulfilling the action plan.
Status
The code reported in this column is 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 | Completed
2 | Not completed
Supporting Document Status
The code reported in this column is the code for the type of existence or non-existence of information required in supporting documents in the submission of the Report, with the following reference:
No. Code | Status
1 | Information required in supporting documents exists
2 | No information required in supporting documents

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

CHAPTER III
FILLING OUT INCIDENTAL REPORTS
FORM 01.00 – PRIMARY INFORMATION

Form Filling
a. BUS, UUS, or KPBLN submits an Incidental Report by filling in data and/or information in form 01.00 – Primary Information. The table below is an explanation of the columns in form 01.00 – Primary Information that are mandatory to be filled in by BUS, UUS, or KPBLN. b. In the event that there is a new obligation to submit an Incidental Report after the issuance of the Financial Services Authority Circular regarding reporting by Sharia commercial banks and Sharia business units via the OJK Reporting System, the filling of form 01.00 – Primary Information refers to the information submitted by the Financial Services Authority via letter and/or publication on the reporting system at the address https://apolo.ojk.go.id or other addresses designated by the Financial Services Authority.
Column Description
Column names refer to Chapter II Explanation of Incidental Report Forms.

No. Report Name | Reporter | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27

Report on publication of information or material facts | BUS | PG001 | v
Special report on internal audit findings | BUS | PG002 | v
Supervisory follow-up report | BUS, UUS, KPBLN | PG003 | v
Special report from the Board of Commissioners regarding the discovery of:
a. violations of regulations in the fields of finance, banking, and related to BUS activities; and b. conditions or estimated conditions that can endanger the continuity of BUS business. | BUS | PG004 | v
Report in the event of conditions under Article of POJK 11/POJK.03/2022 | BUS | PG005 | v
Report on IT incidents that potentially and/or have caused significant losses and/or disrupted the smooth operation of BUS | BUS | PG006 | v
Special report regarding policies and/or decisions of the Board of Directors that according to the director overseeing compliance functions have deviated from legislation regulations | BUS | PG007 | v
IT Strategic Plan and its changes | BUS | PG008 | v | v
Corporate Plan and its changes | BUS | PG009 | v | v
Action plan to adjust to the maximum share ownership limit | BUS | PG011 | v
Action plan for exceedance of capital participation limits | BUS | PG012 | v
Action plan in the event that the debtor is a company where temporary capital participation has not obtained cumulative profits | BUS | PG013 | v
Action plan to resolve BMPD violations and/or BMPD exceedance | BUS | PG014 | v
Action plan that is a follow-up to the results of the assessment of the health level of BUS and UUS by the Financial Services Authority | BUS, UUS | PG015 | v
Action plan that is a follow-up to the assessment of the health level of BUS and UUS based on the results of self-assessment by BUS and UUS | BUS, UUS | PG016 | v
Plan to fulfill capital surcharge for systemic BUS | BUS | PG017 | v
Action plan for BUS in normal supervision experiencing difficulties endangering its business continuity if there are other actions to be taken other than those already included in the recovery action plan | BUS | PG018 | v
Report on the realization of the implementation of the recovery action plan for BUS in normal supervision experiencing difficulties endangering its business continuity | BUS | PG019 | v
Report on the implementation of the action plan to adjust to the maximum share ownership limit | BUS | PG020 | v
Report on the implementation of the action plan to resolve BMPD violations and BMPD exceedance | BUS | PG021 | v
Report on the realization of the implementation of the action plan if there are other actions taken other than those included in the recovery action plan for BUS in normal supervision experiencing difficulties endangering its business continuity | BUS | PG022 | v
Report on the realization of the implementation of health improvement steps established by the Financial Services Authority for BUS in normal supervision experiencing difficulties endangering its business continuity | BUS | PG023 | v
Report on the realization of the implementation of the action plan for BUS in health improvement if there are other actions to be taken other than those already included in the recovery action plan. | BUS | PG024 | v
Report on the realization of the implementation of health improvement steps established by the Financial Services Authority for BUS in health improvement | BUS | PG025 | v
Action plan for written orders | BUS, UUS | PG026 | v
Report on the progress of the implementation of the action plan for written orders | BUS, UUS | PG027 | v
Report on the fulfillment of written orders | BUS, UUS | PG028 | v
Report on the implementation of the action plan to fulfill the net stable funding ratio - BUS and UUS individually, for BUS and UUS that are unable to fulfill the net stable funding ratio according to stages | BUS, UUS | PG029 | v
Report on the implementation of the action plan to fulfill the net stable funding ratio - BUS consolidated, for BUS that is unable to fulfill the net stable funding ratio according to stages | BUS | PG030 | v
Action plan for BUS in health improvement if there are other actions to be taken other than those already included in the recovery action plan | BUS | PG031 | v
Report on the realization of the implementation of the recovery action plan for BUS in health improvement | BUS | PG032 | v
Report on BUS in health improvement | BUS | PG033 | v | v
Action plan to fulfill the net stable funding ratio for BUS consolidated, for BUS that is unable to fulfill the net stable funding ratio according to stages | BUS | PG034 | v
Action plan to fulfill the net stable funding ratio for BUS and UUS individually, for BUS and UUS that are unable to fulfill the net stable funding ratio according to stages | BUS, UUS | PG035 | v
Net stable funding ratio worksheet and Net stable funding ratio report - BUS consolidated, for BUS that is unable to fulfill the net stable funding ratio according to stages | BUS, UUS | PG036 | v | v
Net stable funding ratio worksheet and Net stable funding ratio report - BUS and UUS individually, for BUS and UUS that are unable to fulfill the net stable funding ratio according to stages | BUS, UUS | PG037 | v | v

Report on the fulfillment of the individual liquidity coverage ratio, in the event that BUS and UUS are unable and/or likely to fail to meet the liquidity coverage ratio in accordance with the stages of BUS, UUS
PG038 v v
Report on the fulfillment of the consolidated liquidity coverage ratio, in the event that BUS and UUS are unable and/or likely to fail to meet the liquidity coverage ratio in accordance with the stages of BUS
PG039 v v
Action plan for the fulfillment of the leverage ratio – BUS individually
BUS
PG040 v
Action plan for the fulfillment of the leverage ratio - BUS consolidated
BUS
PG041 v
Realization of the action plan for the fulfillment of the leverage ratio individually
BUS
PG042 v
Realization of the action plan for the fulfillment of the leverage ratio consolidated
BUS
PG043 v
Report on the implementation of the business activities of intermediary banks
BUS
KU002 v
Report on the implementation of banking business activities
BUS
KU003 v
Report on the implementation of business activities
BUS
KU004 v
Report on changes to the plan for the implementation of products
BUS, UUS
KU005 v v
Report on the implementation of activities for BUS that conducts activities as a credit enhancement provider, liquidity facility provider, servicer, and/or custodian bank
BUS
KU006 v v
Copy of the banking synergy cooperation agreement and the opinion of the Sharia Supervisory Board, including any amendments
BUS
KU007 v v
Report on the termination of banking synergy cooperation before the end of the cooperation agreement period
BUS
KU008 v
Report on the plan for the transfer of financial assets or Sharia assets in the activity of asset securitization comprehensively
BUS
KU009 v
Report on the implementation of the transfer of financial assets or Sharia assets in the activity of asset securitization comprehensively
BUS
KU010 v
Report on the evaluation of the implementation of digital services
BUS
KU011 v
Report on the implementation of the merger or amalgamation of BUS
BUS
KL001 v
Report on the implementation of the takeover of BUS
BUS
KL002 v
Report on the implementation of the integration of BUS
BUS
KL003 v
Plan for changes to the business group structure related to BUS, including the legal entity owner of BUS up to the ultimate shareholders of BUS
BUS
KL004 v
Report on changes to the legal form of the headquarters of KPBLN
KPBLN
KL005 v
Report on changes to the articles of association of BUS
BUS
KL008 v
Report on the financial position of the closure of BUS that has been audited by a public accountant related to the revocation of the business license of BUS
BUS
KL009 v
Information on the implementation and proof of announcement of changes to the logo of BUS and UUS
BUS, UUS
KL010 v
Proof of announcement of changes to the name of BUS and UUS
BUS, UUS
KL013 v
Report on the appointment or dismissal of the head of the internal audit work unit
BUS
KL015 v
Report on the appointment of principal parties of BUS
BUS
KL016 v
Report on the cancellation of the appointment of candidates for members of the Board of Directors, candidates for members of the Board of Commissioners, and/or candidates for members of the Sharia Supervisory Board that were not approved by the Financial Services Authority but have been appointed by BUS
BUS
KL017 v
Report on the temporary replacement of a director who oversees the compliance function
BUS
KL018 v
Report on the follow-up to the dismissal of principal parties who are prohibited from becoming principal parties managing and/or principal parties in positions of BUS
BUS, UUS
KL019 v
Report on the dismissal, resignation, or death of members of the Board of Directors, members of the Board of Commissioners, and members of the Sharia Supervisory Board
BUS
KL022 v
Report on the appointment of the leader of KPBLN
KPBLN
KL023 v
Report on the dismissal, resignation, or death of the leader of KPBLN
KPBLN
KL024 v
Report on the relocation of the address of KPBLN
KPBLN
KL025 v
Report on temporary changes to the office network
BUS, UUS, KPBLN
KL026 v
Report on the appointment of foreign workers as executive officials
BUS
KL027 v
Report on the transfer of share ownership for candidate controlling shareholders who were not approved by the Financial Services Authority but already hold shares in BUS
BUS
KL029 v
Report on the purchase of shares that does not result in a change of control and is intended to be recorded in the ownership of BUS
BUS
KL030 v
Report on the transfer of share ownership for principal parties who are prohibited from becoming controlling principal parties or holding shares in BUS
BUS
KL031 v
Report on the progress of the implementation of the fulfillment of regulations for BUS that will be taken over by a party that has become a controlling shareholder in more than one bank
BUS
KL032 v
Report on changes to the paid-up capital of BUS caused by dividends distributed in the form of shares
BUS
KL033 v
Information on changes to the basic capital of the Bank
BUS
KL034 v
Report on the implementation of business activities based on Sharia principles (change of business activities of conventional commercial banks to BUS)
BUS
KL035 v
Report on the implementation of business activities of BUS resulting from separation
BUS
KL036 v
Report on the implementation of the separation of Sharia business units for BUS receiving the separation
BUS
KL037 v
Implementation of business activities of Sharia business units (opening of new Sharia business units)
UUS
KL038 v
Minutes of the Annual General Meeting of Shareholders other than as part of the licensing process or reporting in Financial Services Authority Regulations regarding commercial banks
BUS
LL001 v
Divestment implementation plan
BUS
LL002 v
Report on the results of cyber security testing based on scenarios
BUS
LL003 v
Report on the results of reviews by independent external parties
BUS
LL004 v
Report in the event that the Bank decides to stop using the services of an information technology service provider as a follow-up to be taken to address problems
BUS
LL005 v

No. Name of Report Reporter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27

Report on the results of external reviews on the implementation of Sharia governance
BUS, UUS
LL007 v
Others
BUS, UUS, KPBLN
LL999 v v

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

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

APPENDIX IV
CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY REPUBLIC OF INDONESIA NUMBER 33/SEOJK.03/2025 CONCERNING REPORTING BY ISLAMIC COMMERCIAL BANKS AND ISLAMIC BUSINESS UNITS THROUGH THE FINANCIAL SERVICES AUTHORITY REPORTING SYSTEM

Format A
FORMAT OF APPLICATION LETTER
FOR APPOINTMENT OF REPORTING RESPONSIBLE OFFICER FINANCIAL SERVICES AUTHORITY ONLINE REPORTING APPLICATION (APOLO)

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

To:
Data Management and Statistics Department c.q. Head of Data Reporting Directorate <Address*>) Financial Services Authority Radius Prawiro Tower 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 Banks through the Financial Services Authority Reporting System, we hereby submit an application for the registration of the appointed reporting responsible officer to conduct administration and management of user access rights for APOLO - Administrator Responsible Officer (ARO) within our organization as follows:

In relation to this matter, we hereby declare that:

We are responsible for the use of the access rights that have been
provided.
We will use APOLO only for matters related to the submission of
Reports of Islamic Commercial Banks/Islamic Business Units/Representative Offices of Banks located Abroad).
We are responsible for the accuracy of the data of the appointed reporting responsible officer as referred to in this
application letter.
The access rights of the appointed reporting responsible officer as referred to
in this application letter will only be used by appointed employees.
The appointed reporting responsible officer as referred to
in this application letter will appoint and manage access for implementing employees and/or officials covering functions to:
a. submit Periodic Reports; b. submit Incidental Reports;
c. provide documents, data, and/or information that can be
accounted for reporting purposes;

No. LJK Code
Name of LJK
Name of
Responsible
Officer
Position of
Responsible
Officer
Address
Email of
Responsible
Officer
National Identity
Number
Mobile
Phone Number
Access
Rights
ARO
1.
2. etc.

d. perform data entry in the event of changes to Report data; e. perform verification/validation of Reports; f. ensure the correspondence and accuracy of reporting; and g. supervise the submission of Reports.

Thus, we submit this application letter, for your attention Sir/Madam, we express our gratitude.

Sincerely,
Name of Reporter
Code of Reporter
Board of Directors/Leader of
KPBLN/Appointed Official*)
Bank/KPBLN
………...
<Stamp>
(Signature)
..................................
(Clear name of official*), position, signature, and wet seal) *) Address of the letter according to the address of the OJK office ) Choose one, adjusted to the reporting LJK *) The official signing the letter is the Bank's Board of Directors, the leader of KPBLN, or an official authorized by the Bank's Board of Directors.

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

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

Referring to Financial Services Authority Regulation Number 22 of 2025 concerning Reporting by Banks through the Financial Services Authority Reporting System, we hereby submit a change to the list of appointed reporting responsible officers to conduct administration and management of user access rights for APOLO - Administrator Responsible Officer (ARO) within our organization as follows:

In relation to this matter, we hereby declare that:

We are responsible for the use of the access rights that have been
provided.
We will use APOLO only for matters related to
the submission of Reports of Islamic Commercial Banks/Islamic Business Units/ Representative Offices of Banks located Abroad).
We are responsible for the accuracy of the data of the reporting responsible officer
as referred to in this application letter.
The access rights of the appointed reporting responsible officer as referred to
in this application letter will only be used by appointed employees.
The appointed reporting responsible officer as referred to
in this application letter will appoint and manage access for implementing employees and/or officials covering functions to:
a. submit Periodic Reports; b. submit Incidental Reports;
c. provide documents, data, and/or information that can be
accounted for reporting purposes; d. perform data entry in the event of changes to Report data;

No. LJK Code
Name of LJK
Name of
Responsible
Officer
Position of
Responsible
Officer
Address
Email of
Responsible
Officer
National Identity
Number
Mobile
Phone Number
Access
Rights
ARO
Status

Active/Not
Active)
Active/Not
Active) etc.

e. perform verification/validation of Reports; f. ensure the correspondence and accuracy of reporting; and g. supervise the submission of Reports.

Thus, we submit this application letter, for your attention and collaboration Sir/Madam, we express our gratitude.

Sincerely,
Name of Reporter
Code of Reporter
Board of Directors/Leader of
KPBLN/Appointed Official *)
Bank/KPBLN ………...
<Stamp>
(Signature)
..................................
(Clear name of official), position, signature, and wet seal) *) Address of the letter according to the address of the OJK office ) Choose one *) Choose one, adjusted to the reporting LJK *) The official signing the letter is the Bank's Board of Directors, the leader of KPBLN, or an official authorized by the Bank's Board of Directors.

Explanation:
Status "Active": for responsible officers who are still active or new responsible officers in APOLO.
Status "Not Active": for responsible officers who have been deleted from APOLO.

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

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

OJK Circular No. 33/SEOJK.03/2025 on Reporting by Islamic Commercial Banks and Islamic Business Units via the OJK Reporting System

Lineage: In force

Timeline

Similar documents from other regulators