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for 4 (four) hours or more. Employees who have worked overtime
until 21.00 WIB or more, are entitled to receive overtime meals in
the following manner:
a. Employee who have to work overtime for 4 hours or more,
must obtain prior overtime approval from the Department
Head.
b. Since GAD has provided milk, coffee, creamer, tea, sugar for
employees at the BMI Pantry. Employees only need to buy
food, if needed.
c. Food can be purchased in advance by employees using the off-
line method or on-line application, the main thing is that
receipts must be available that clearly state the time and
location of food purchase according to the dates and hours of
overtime work. The maximum amount of food purchases that
can be claimed is IDR 100,000/day/person.
d. The employee next follows the Overtime Meal Reimbursement
Procedure by submitting a reimbursement claim for the food
purchased using the Reimbursement Form and attaching the
original food purchase receipt to GAD.

Article 38
Training and Development

1. Management considers human resources as an important asset in
the success of its business and because of this, employee
education and development is very important.

2. Management is responsible for developing and training
employees according to their needs, positions and individual
potential, based on a continuous plan.

3. In its implementation, the Management shall always consider:
a. The required knowledge and skills needed to enhance
Employee’s performance as well as his/her knowledge
background knowledge and potential.
b. Education and training are provided based on the Bank’s

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