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2023 Sustainability Report Pt Bank BTPN Tbk Menara BTPN - CBD Mega Kuningan Jl. Dr. Ide Anak Agung Gde Agung Kav 5.5 - 5.6 Jakarta 12950 This report is printed on recycled paper and is FSC certified
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2023
PROMOTING A GREENER ECONOMY Sustainbility
Report
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2023
Sustainability
Report
PROMOTING
A GREENER ECONOMY
www.btpn.com
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PROMOTING A
GREENER ECONOMY
As a financial institution, PT BANK BTPN Tbk
(Bank BTPN) is committed to promoting a greener
economy and therefore supports projects and
initiatives that foster sustainable development
and yield positive environmental impacts.
Bank BTPN encourages investment and
increases its portfolio in environmentally
friendly sectors, supports the development of
green technologies, finances renewable energy
projects, and provides incentives through
Sustainability-linked Loan products to customers
committed to environmentally friendly practices.
Through these efforts, Bank BTPN not only plays
a crucial role in supporting the development of a
greener economy, but also helps mitigate against
negative environmental impacts, in order to
create a more sustainable future for generations
to come.
Sustainability Report 2023 PT Bank BTPN Tbk 1
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TABLE of contents
1 Theme Explanation 14 Awards
6 Vision, Mission and Core Values 18 Key Highlights from the Year
8 Sustainability Highlights
24 Message from The Board of Commissioners
and Directors
26 Message from the President 30 Message from the President Director
Commissioner
34 Bank Btpn and Sustainability Commitment
37 Bank BTPN’s Sustainability Strategy 40 Relationship with Stakeholder
38 Sustainability Governance 42 Bank BTPN’s Strategy and Contributions
40 Role of the Governance Body in to the SDGs
Sustainability Reporting
46 About Bank BTPN
48 Company Profile 49 Company Scale
49 Company Rating 50 Milestones of Bank BTPN
49 Membership of Associations
54 Green Economy Innovation
57 Sustainability Commitment of Bank BTPN 62 Process of Monitoring the Implementation
of Environmental and Social Compliance
58 Implications of Climate Change
62 Performance of Bank BTPN
59 Bank BTPN’s Sustainability Policy
65 Percentage of Green and Social Business
61 Environmental and Social Risk in the Portfolio
Assessment Procedures
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65 Sustainable Financing Portfolio 68 The Bank’s Approach to Challenges
Related to Sustainable Finance
66 Business Portfolio by Sector and Size
68 Supply Chain
67 Internal Audit of Environmental and
Social Policy Implementation and Risk 69 Tax
Assessment Procedures
69 Approach to Tax
67 Economic Value Generated and
69 Tax Risk Management and Governance
Distributed
69 Stakeholders and Tax Compliance
70 Products and Services Excellence in Supporting
Sustainability
72 Bank BTPN’s Products 76 Customer Privacy Protection
74 Flagship Products 78 Product Information and Marketing
74 Access Development 78 Customer Satisfaction Survey
74 Quality Products and Services
75 Improving Service Quality
80 Strengthening the Culture of Empowerment and
Expanding the Impact
82 Four Pillars of Daya Program
83 Impact Assessment of the Daya Programs
83 SROI Daya Program
84 Daya.id – A Leading Digital Platform
88 Community Empowerment Program
89 Daya for Sinaya Prioritas Customers
89 Sahabat Daya
92 Social Responsibility Activities
Sustainability Report 2023 PT Bank BTPN Tbk 3
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94 Increasing Capacity for Sustainability
96 Human Resources Policy of Bank BTPN 105 Retirement Program
96 #MoreThanAJourney 105 Collective Labor Agreement
96 Digital Technology Adoption for Employee 105 Child Labor and Forced Labor
Management 106 Training and Development
97 Bank BTPN’s Personnel 106 Training Strategies and Programs
98 Inclusive Workplace 106 Average Employee Training Hours
98 Employee Diversity 108 Improving Employee Competence in
100 Proportion of Senior Management from Sustainable Finance
Local Communities 108 Performance Review
100 Decent and Safe Working Environment 108 Human Rights Training for Security
100 Employee Recruitment Officers
102 Employee Turnover 108 Work-Life Balance
103 Employee Rights Aspects
103 Remuneration and Benefits
104 Parental Leave
112 Prioritizing
Commitments
Environmental and Climate
114 Climate Strategy 118 Financed Emissions
115 Climate Target 118 Water
115 Green Building 118 Waste
115 Digital Services 119 Dolfin Project Initiative (Digital Workspace
Flexi Office in New Normal)
116 Environmental Education
116 Energy Usage
117 Emissions
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120 Innovation in Sustainable Governance
122 Governance Structure 131 Whistleblowing System
123 General Meeting of Shareholders (GMS) 133 Communication of Critical Concerns
123 Board of Commissioners 133 Enhancement of the Board of
Commissioners and Directors’ Capacity
124 Board of Directors
126 Nomination and Selection of Board of 136 Evaluation of the Board of
Commissioners and Directors
Commissioners and Directors
136 Remuneration of Board of
126 Policies and Procedures
Commissioners and Directors
127 Nomination Process for Candidates of
136 Remuneration Policy
Board of Directors
127 Conflict of Interest 136 Process to Determine Remuneration
128 Policy Commitments 136 Annual Total Compensation Ratio
128 Commitment for Responsible Business 137 Risk Management
Conduct
137 Cyber Risk Management
129 Processes to Remediate Negative
Impacts 137 Climate Risk Management
129 Internal Control System 138 Anti-Money Laundering and Terrorism
Financing Policy
130 Prevention and Eradication of Fraud
139 Compliance with Laws and Regulations
140 About the Report
142 Reporting Standards 143 List of Material Topics
142 Assurance 144 Non Material Topics
142 Determination of Material Topics and 145 Materiality Level
Boundary
146 Statement on GRI Standards in 165 Se Ojk 16/2021 Index
Accordance Check
167 Sasb – Financial Sector Index
147 Independent Assurance Statements
168 Tcfd Index
149 Sdgs Links in Gri Standards
169 Feedback Sheet
159 Gri Standard Index
164 Gri Standard - Financial Sector (FS)
Index
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VisiON, MiSsiON & CORE VALUES
Vision [GRI 2-22] [OJK C.1]
To become the first choice bank in Indonesia,
giving significant change to the lives of millions
of people, mainly with the support of digital
technology.
Mission [GRI 2-22] [OJK C.1]
To offer complete financial To provide a valuable opportunity
solutions and services to various for the professional growth of the
segments of retail, micro, SME Bank BTPN employees.
and corporate business in
Indonesia, and for the Indonesian
Nation and Country as a whole.
To create significant and To use technological innovation
sustainable values for as the main differentiator while
stakeholders, including for providing the best quality and
Indonesian society. experience in its class to the
Bank BTPN clients and partners.
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Core Values [GRI 2-22] [OJK C.1]
The 5 (five) values Bank BTPN has adopted as
guidelines for conducting business activities
are as follows:
Integrity Customer Proactive &
First Innovative
As a professional, always Always look at it from Step up and innovate
act with sincerity and with the customers’ point of relentlessly.
a high ethical standard. view to provide additional
value.
Synergy Speed
and Quality
Collaborate as one team. Differentiate ourselves
through the speed and
quality of our decision
making and service
delivery.
Sustainability Report 2023 PT Bank BTPN Tbk 7
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SUSTAINABILITY HIGHLIGHTS
Economy [OJK B.1]
Net Operating Income* Net Profit* (in Trillion Rupiah) Assets* (in Trillion Rupiah)
(in Trillion Rupiah) [OJK B.1.b] [OJK B.1.c]
3.63 209.17
201.45
4.66
4.01 191.92
3.10
3.46 2.68
2023 2022 2021 2023 2022 2021 2023 2022 2021
Customers* (in Million) Branch Network (Branches) Access (Provinces)
419
33
11.7 32 32
9.5
8.8 278
266
2023 2022 2021 2023 2022 2021 2023 2022 2021
Economic Performance Related to Sustainability
Nominal Portfolio of KKUB** Funding*** (%) Financing**** (%)
(in Million Rupiah)
0.20
13,774,741
10
0.11
12,968,409 9.6
12,029,029 9.5
0.06
2023 2022 2021 2023 2022 2021 2023 2022 2021
Types of Sustainable Finance Products
2023 2022 2021
2 Funding Products (ESG Mutual fund, ESG 2 Funding Products 2 Funding Products
Deposit) 2 Green Financing Products 2 Green Financing Products
3 Green Financing Products (Sustainability-linked 1 Msme Financing Product 1 Msme Financing Product
Loan, Green Loan, Social Loan)
1 MSME Financing Product
Notes:
* Consolidated financial data of Bank BTPN, which includes two other subsidiaries, PT Bank BTPN Syariah Tbk (with 70% shareholding) and PT Bank Syariah
Ventura (with 69.3% indirect ownership through PT Bank BTPN Syariah).
** KKUB: Kategori Kegiatan Usaha Berkelanjutan/ Sustainable Business Activities Category.
*** Percentage of total funding for sustainable business activities with total bank wide funding.
**** Percentage of total financing for sustainable business activities with total bank wide financing portfolio.
8 Sustainability Report 2023 PT Bank BTPN Tbk
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Economic Performance Overview (in Billion Rupiah)
Description 2023 2022 2021
Financing [OJK B.1.a] 145,173 134,596 125,155
Sustainable Financing
a. Micro 115 136 108
b. Small and Medium Enterprises 5,977 5,905 5,727
c. Green Financing [OJK B.1.d] 7,682 6,927 6,194
Total Number of Local Suppliers [OJK B.1.e] 273 316 287
Sustainable Business Activities Category (KKUB)
Rp560 billion Rp4,801 billion
Green Building Sustainable Natural
Resources and Land
Use
Rp396 billion
Energy Efficiency
Rp122 billion
Sustainable Transportation
Rp6.091 billion
MSMEs
Rp660 billion
Eco-efficient Products
Rp1,141
billion
Renewable Energy
Sustainability Report 2023 PT Bank BTPN Tbk 9
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Social [OJK B.3]
Employees
Number of Employees Percentage of Female Employees (%) Employee Recruitment
(Employees) (Employees)
44
6,636 6,972 7,129 43 42 948
776
609
2023 2022 2021 2023 2022 2021 2023 2022 2021
Turnover Rate (%) Employee Engagement Survey Score
4.11
14% 4.06 3.97
12%
11%
2023 2022 2021 2023 2022 2021
Training and Familiarization
Average Training Hours Number of Participants in Number of Sustainability
(Hours/Employee) Anti-Fraud Trainings (Employees) Trainings (Activities)
49 6
6,359 6,495
39
32 2
N/A N/A
2023 2022 2021 2023 2022 2021 2023 2022 2021
Corporate Social Responsibility (CSR) Activities
Description 2023 2022 2021
Financial Literacy Participants (Participants) 2,705,138 558,185 13,632
Daya.id Website Visitors (Visitors) 2,306,562 1,684,575 2,124,165
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Allocation of Corporate Social Responsibility (CSR) Funds
2023 2022
Regions CSR Activities Beneficiaries Beneficiaries
Cost Cost
(Number of (Number of
(Rupiah) (Rupiah)
Participants) Participants)
Sumatera • Financial Literacy
Program
• Capacity to Grow for
205,335,673 2,461 145,736,222 1,848
Business Program
• Retirement Preparation
Program
Jawa • Financial Literacy
• Capacity to Grow for
Business Program
• Retirement Preparation
Program 512,723,527 6,002 337,804,815 4,692
• Sustainable Living
Program
• Education Facility
Development
Kalimantan Retirement Preparation 63,830,438 576 67,035,166 614
Program
Sulawesi Retirement Preparation 76,210,715 609 74,294,384 676
Program
Bali – Nusa Retirement Preparation 63,789,039 528 42,127,926 517
Tenggara Program
Maluku - Papua Retirement Preparation 8,832,600 140 11,132,423 151
Program
National • Competence 335,464,511 164 1,117,978,746 3,142
Development Program
• Financial Literacy 591,723,391 2.702.002 254,467,675 558,185
Program
• Capacity to Grow for 307,627,656 7,700 94,650,576 997
Business Program
• Sustainable Living 180,420,125 47,104 35,857,791 13,903
Program
• Daya Program for 102,705,201 2,944 178,426,470 3,856
Corporate Customers
• Daya Program for 36,201,750 521 110,412,053 583
Sinaya Priority
Customers
• Daya.id 357,625,347 2,306,562 956,980,058 1,605,540
• Sahabat Daya 36,599,657 415 41,729,073 307
• Education Facility - 105,496 - 88,323
Development
Total 2,879,196,013 5,183,224 3,468,633,378 2,283,334
Sustainability Report 2023 PT Bank BTPN Tbk 11
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Environment [OJK B.2]
Energy Usage (GJ) Energy Intensity (GJ/Person) Emissions (Scope 1 & 2)
(Ton CO2eq)
[OJK B.2.a]
108,768.90 15.26 20,136.97
14.86
103,623.52 19,248.79
10.27 18,944.79
68,144.81
2023 2022 2021 2023 2022 2021 2023 2022 2021
Emissions Intensity Emissions Reduction Paper Usage Reduction in Paper Usage
(Ton CO2eq/Employee) (Ton CO2eq) (Reams of Paper) (Reams of Paper)
[OJK B.2.b] [OJK B.2.c]
2.85
6,161
2.82 2,923 57,009
2.76 49,204 50,848
3,889
888 1,644
304
2023 2022 2021 2023 2022 2021 2023 2022 2021 2023 2022 2021
Other Environmental Programs
Planting 625 mangrove The conversion of
trees (employee one operational
contribution to Sahabat vehicle for the
Daya program). commissioners.
Governance
Description 2023 2022 2021
Number of Whistleblowing Cases Received (Cases) 42 32 34
Percentage of Cases Resolved (%) 98% 96.9% 94.1%
Number of Anti-Fraud Training Participants (Employees) 6,359 6,495 6,821
ASEAN Corporate Governance Scorecard 99.19 Points 99.20 Points 97.92 Points
(Predicate “Very (Predicate “Very (Predicate “Very
Good” or Level Good” or Level 4 Good” or Level 4
4 (90-99.99)) (90-99.99)) (90,00-99.99))
12 Sustainability Report 2023 PT Bank BTPN Tbk
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Sustainability Report 2023 PT Bank BTPN Tbk 13
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AWARDS
14 Laporan Keberlanjutan
Sustainability Report 2023 PTPT
2023 Bank
Bank
BTPN
BTPN
Tbk
Page 21
17 February 2023 23 February 2023
Award Name: Award Name:
4th Anniversary Indonesia’s Popular Digital Products Awards Triple A Country Awards 2022
2023 Award Category:
Award Category: Sustainable Finance 2022:
KBMI 3 1. “Best Green Loan”
Mobile Banking 2. “Best Local Currency Green Loan”
Awarding Institution: Awarding Institution:
The Iconomics The Asset
Additional Information: Additional Information:
This award was presented to institutions that have The “Best Green Loan” award was presented for a green
innovated in the digital realm in Indonesia, enabling them financing program (totaling $750 million) provided by Bank
to face the opportunities, challenges, and competition from BTPN to PT Perusahaan Listrik Negara (PLN) in December
the wave of technological disruption. Jenius from Bank 2022. Another award was the “Best Local Currency Green
BTPN received an award in the in the KBMI 3 category. Loan” award for providing a green financing facility of
Rp1.06 trillion to PT Kepland Investama since October
2021.
24 February 2023 17 March 2023
Award Name: Award Name:
Indonesia Public Relations Award (IPRA) 2023: Winning PR INDONESIA AWARDS (PRIA) 2023
Economic Growth through Consistent Collaboration Award Category:
Award Category: Category: Most Popular in Print and Online Media 2022
Category: Conventional Bank Subcategory: National and Multinational Publicly Listed
Best Public Relations in Company Management on Private Companies
Expanding Mass Market Product and Services Awarding Institution:
Awarding Institution: PR INDONESIA
WartaEkonomi.co.id Award Type:
Award Type: Award
Award Additional Information:
Additional Information: This award was presented to companies that have
This award was presented to the company’s public relations effectively garnered the most positive exposure in both
team for their significant role in innovating to enhance the print and online media.
company’s quality and performance amidst intensifying
industry competition and improving economic conditions in
Indonesia. 12 April 2023
Award Name:
12th Infobank Digital Brand Awards 2023
05 April 2023 Award Category:
1. The Best Bank with Digital Service (KBMI 3) - Jenius
Award Name: 2. The 3rd Best Deposito Bank Umum Konvensional - BTPN
Top 100 Most Outstanding Women 2023 Deposito Berjangka
Award Category: 3. The 3rd Best Kartu Debit Bank Umum Konvensional -
Hanna Tantani, Top 100 Most Outstanding Women Kartu Debit BTPN (Jenius)
Awarding Institution: Awarding Institution:
Infobank Infobank
Additional Information: Award Type:
This award was presented as a form of appreciation and Award and Certificate
recognition to the best female leaders for their contributions Additional Information:
through their experience and achievements towards the This award was presented to institutions that have effectively
development of the institutions/corporations under their enhanced the company’s brand and product through digital
guidance. channels during the previous year (2022-2023) and are
recognized as being one of the best banks based on public
assessment and social media feedback regarding the digital
banking products and services they offer.
Sustainability
Laporan Keberlanjutan PT Bank
Report 20232023 PT Bank
BTPNBTPN
Tbk 15
Page 22
08 MAY 2023 20 JUNE 2023
Award Name: Award Name:
PPKM Award 2023 20th Infobank-MRI Banking Service Excellence 2023
Award Category: Award Category:
Certificate of Appreciation for COVID-19 Handling 1. Jenius - The Pioneer of
Category: Domestic Private Sector Digital Banking in
Awarding Institution: Indonesia (Special Rank)
Ministry of Health of the Republic of Indonesia 2. The 2nd Best In Service
Award Type: Excellence
Award 3. The 1st Best Bank With
Additional Information: Digital - Jenius (Btpn)
This award was presented to Bank BTPN for its 4. The 1st Best Call Center
contribution to the handling of COVID-19 in Indonesia. 5. The 1st Best Email
Bank BTPN is among the 153 recipients of the award in 6. The 2nd Best Mobile Banking
the domestic private sector category. 7. The 2nd Best Chatbot
8. The 2nd Best Live Chat
Awarding Institution:
Infobank
Award Type:
Award
Additional Information:
This award is a form of appreciation to the bank for its
27 JUNE 2023 excellent service and customer experience in 2022, as
determined by a study conducted by Infobank Research
Award Name:
Bureau (BiRI) in collaboration with Marketing Research
Best Companies to Work for in Asia 2023
Indonesia (MRI). Jenius from Bank BTPN received a total of
Award Category:
eight awards simultaneously.
Best Companies to Work for in Asia 2023 (Indonesia Region)
Awarding Institution:
HR Asia
Award Type: 27 JULY 2023
Award & Certificate Award Name:
Additional Information: Indonesia Most Powerful Women Awards 2023
This award is presented to companies in Asia that have Award Category:
demonstrated the best performance in the field of human 1. Indonesia Most Powerful Women 2023 in Maximizing
resources. Digital Technology Utilization to Support National
Economic Resilience (Hanna Tantani)
2. Conventional Bank
Awarding Institution:
27 JULY 2023 HerStory
Additional Information:
Award Name: This award was presented to Hanna Tantani as a form of
Indonesia Digital Customer Engagement Champion 2023 appreciation of her outstanding leadership as a female
Award Category: innovator, adept at consistently driving development within
Category: BANK FINANCIAL SERVICES her company across all industry sectors.
Predicate: VERY GOOD
Awarding Institution:
SWA & Business Digest Magazine
Award Type:
Certificate
Additional Information:
This award is a form of appreciation for companies that have
been successful in managing digital engagement through
strategies, innovation, and the implementation of excellent
programs or performance to support sustainable company
growth.
16 Sustainability Report 2023 PT Bank BTPN Tbk
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25 AUGUST 2023 04 DECEMBER 2023
Award Name: Award Name:
28th Infobank Award 2023 Infobank Top 100 CEO & The Next 200 Leaders 2023
Award Category: Award Category:
“DIAMOND TROPHY” EXCELLENT FINANCIAL Top 100 CEO 2023
PERFORMANCE BANK IN 20 CONSECUTIVE YEARS (2003- Awarding Institution:
2023) & EXCELLENT FINANCIAL PERFORMANCE BANK IN Infobank
2022 Additional Information:
Awarding Institution: This award is a form of appreciation for the company
Infobank leaders in the banking, life insurance, general insurance,
Award Type: financing companies (multifinance), State-Owned
Trophy, Award Enterprises (BUMN), and financial sector supporters who
Additional Information: are deemed to have delivered outstanding results for the
This award is a form of appreciation for 62 banks in Indonesia companies they lead. The award was presented to the
considered to have achieved the “Very Good” performance President Director of Bank BTPN, Henoch Munandar.
rating in the “Rating 106 Banks Version Infobank 2023”. Bank
BTPN received the Diamond Trophy award for the bank’s
excellent financial performance in 2022 and for 20 consecutive
years (2003-2022).
06 NOVEMBER 2023 04 DECEMBER 2023
Award Name: Award Name:
Asia Sustainability Reporting Rating (ASRRAT) 2023 Indonesian Sustainable Development Goals Award 2023
Award Category:
Award Category:
Platinum Rank Platinum Award
Awarding Institution:
Awarding Institution:
National Center for Corporate Reporting (NCCR)
Corporate Forum for CSR Development
Award Type:
Trophy Award Type:
Additional Information: Award
This award is a form of an appreciation for the company’s Additional Information:
contribution towards achieving the sustainable development This award is dedicated to companies in Indonesia deemed
goals through the application of environmental, social, successful in implementing programs that significantly
and governance principles in its business operations. The support the 17 Sustainable Development Goals (SDGs).
Bank BTPN received the Platinum award.
assessment is based on the level of alignment with and the
quality of sustainability reporting against the Global Reporting
Initiative (GRI) standards. This year marks the third year that
Bank BTPN has received a Platinum rating consecutively in its
four years of participation in this event.
14 NOVEMBER 2023 29 DECEMBER 2023
Award Name: Award Name:
Top 20 Financial Institution Awards 2023 Detikcom Awards 2023
Award Category: Award Category:
Predicate “Excellent” in the category of Banks with assets of Digital Bank with the Most Innovative Features
Rp100 trillion to <Rp500 trillion
Awarding Institution:
Best CFO Category Bank for Hanna Tantani
Detik.com
Awarding Institution:
The Finance Additional Information:
Award Type: This award is a form of appreciation for the various
Certificate revolutionary innovations created by Jenius from
Additional Information: Bank BTPN as a life finance solution for digital-savvy
This award is a form of appreciation for banks, life and general customers. Jenius from Bank BTPN has been awarded as
insurance companies, as well as multifinance companies that the Digital Bank with the Most Innovative Features.
have successfully maintained stable and positive growth in
their performance over three financial periods.
Sustainability Report 2023 PT Bank BTPN Tbk 17
Page 24
Key Highlights from
the Year
25 JANUARY 2023
Bank BTPN held a media
gathering event to express
appreciation to the media for their
longstanding collaboration with
the bank. During the event, the
5 FEBRUARY 2023
President Director of Bank BTPN, Jenius from Bank BTPN collaborated with Pocari Sweat as the primary sponsor
Henoch Munandar, presented for the POCARI SWEAT Run Indonesia 2023 press conference. Ridwan Kamil,
the latest information about the the Governor of West Java, was present as a speaker at this press conference.
profile and commitment of Bank The POCARI SWEAT Run Indonesia 2023 was conducted in a hybrid format,
BTPN, emphasizing its dedication with the main flag-off taking place at Satay Building, Bandung on July 30,
to consistently supporting 2023. Jenius collaborated with Pocari Sweat to invite running communities to
customers and contributing to join the fun run activity #laribarengjenius in 34 cities, including Jakarta, Bogor,
the achievement of the SDGs Bekasi, Bandung, Surabaya, Bali, Magelang, Malang, Yogyakarta, Makassar,
through the bank’s business units, Balikpapan, Pekanbaru, Semarang, and several other cities. From these
programs, and products. cities, Jenius Co.Create conducted co-creation activities and community
gatherings with runners in 15 cities, attended by over 600 participants.
13 APRIL 2023
Bank BTPN held its Annual General Meeting of Shareholders
(AGM) during which decisions were made regarding changes to the
composition of the Board of Directors and Board of Commissioners,
as well as the allocation of the net profit for the 2022 fiscal year for
the first dividend payment since 2017.
Bank BTPN appointed Atsushi Hino as Director, replacing
Kan Funakoshi. Additionally, BTPN also made changes to the
composition of the new Board of Commissioners, appointing Onny
Widjanarko following the resignation of Irwan Mahjudin from his
position as the Company’s Independent Commissioner, and his
appointment will be effective after obtaining OJK approval until the
AGM in 2025.
18 Sustainability Report 2023 PT Bank BTPN Tbk
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14 APRIL 2023
Jenius by Bank BTPN held a
virtual press conference on Jenius
Study: Digital Savvy Society, 4 MAY 2023
Behavior Ahead of Eid al-Fitr 2023.
Bank BTPN, together with four other creditors—PT Bank DBS Indonesia, PT
Through a survey conducted
Bank Mayapada Internasional Tbk, PT Bank Mizuho Indonesia, and Bank of
in March-April 2023, Jenius
China (Hong Kong) Ltd Jakarta branch—have agreed to provide a syndicated
observed the behavior of digital-
loan facility of Rp1.111 trillion to PT Seino Indomobil Logistics (PT SIL) for capital
savvy individuals who maintained
expenditure financing. The disbursement of this syndicated loan is expected
positive financial habits from
to fuel the ongoing growth of Bank BTPN. The ceremonial marking of this
the pandemic period during the
collaboration was attended by the President Director of Indomobil Group, Jusak
Ramadan and Eid al-Fitr moments
Kertowidjojo, and the Head of Wholesale Banking of Bank BTPN, Moses Ronald
in 2023.
Supardi, on Friday, May 5, 2023, in Jakarta.
22 JUNE 2023 22 JUNE 2023
BANK BTPN convened an Extraordinary General Bank BTPN and the International Finance Corporation
Meeting of Shareholders (EGMS) to decide on (IFC) have entered into a partnership for a social and
changes to the composition of the Board of Directors. green bond agreement to strengthen climate action
During this meeting, Keishi Kobata was appointed and promote inclusive development in Indonesia.
as Director, replacing Hiromichi Kubo. As part of this collaboration, IFC will invest up to
US$500 million in Bank BTPN through the issuance of
social and green bonds. This bond issuance marks a
significant milestone for Bank BTPN and underscores
its commitment to empowering the Micro, Small,
and Medium-Sized Enterprises (MSMEs) sector in
Indonesia, with a particular focus on businesses led by
women and initiatives for climate change adaptation.
Sustainability Report 2023 PT Bank BTPN Tbk 19
Page 26
21 AUGUST 2023 22 AUGUST 2023
Bank BTPN has transformed its Human Capital Jenius, a product of Bank BTPN, held a press briefing
Management (HCM) process by partnering with to celebrate its seventh anniversary. At seven years
Darwinbox, a globally recognized human resource old, Jenius remains committed to innovation through
technology provider. Through this platform, Bank BTPN co-creation and collaboration with the digital-savvy
seeks to drive innovation in the digital transformation community. As part of the seventh anniversary
of all integrated HR processes, spanning from new celebration, Jenius conducted a survey “Jenius Study:
employee integration, performance management Digital Savvy Financial Habits 2023” and introduced
processes, to a continuous learning approach and a the “7 Days 7 Nights #becomemorejenius” program,
survey system designed to gauge employee feedback. featuring a range of special offers for Jenius’ users to
This includes all aspects, from talent acquisition, talent enjoy.
management, to employee development.
04 SEPTEMBER 2023 12 SEPTEMBER 2023
On National Customer Day, the Board of Directors and Bank BTPN has entered into a collaboration with Great
management of Bank BTPN personally engaged in Eastern General Insurance Indonesia (GEGI) in the area
serving customers, explaining products, empowering of bancassurance distribution. The collaboration was
customers, and facilitating credit agreements at marked by the signing of a cooperation agreement,
various Bank BTPN branches in Indonesia. They also attended by Jeffrey Tjoeng, Head of Business Banking
at Bank BPTN, and Linggawati Tok, the Marketing
distributed roses and chocolates to customers and
Director representing GEGI. Through this collaboration,
visited several Bank BTPN customers. Bank BTPN
Bank BTPN is actively contributing to the government’s
held a range of activities for customers from different efforts to achieve sustainable development goals
business units, including Sinaya, Micro Business, by fostering the growth of small and medium-sized
Small and Medium Enterprises, Jenius, and retirement. enterprises in Indonesia. The synergy between Bank
These activities included providing health services for BTPN and GEGI encompasses six products: industrial
customers, Retirement Week, offering attractive deals all-risk insurance, earthquake insurance, marine cargo
from Jenius, and the Daya program. The event was insurance, motor vehicle insurance, contractor all-
also attended by officials from partners, PT TASPEN risk insurance, and contractor’s plants and machinery
(Persero) and PT ASABRI (Persero). insurance. These products are tailored to meet the
protection needs of Bank BTPN customers for their
businesses and assets.
20 Sustainability Report 2023 PT Bank BTPN Tbk
Page 27
24 SEPTEMBER 2023
Jenius, a product of Bank BTPN,
provided support for the Garmin
Run Asia Series 2023 event at
Uptown Park - Summarecon Mall
Serpong, Tangerang. The running
event, themed “From Zero to Hero,”
was attended by 5,000 participants
of various ages who took part in the 06 OCTOBER 2023
5K, 10K, and 21K races as well as
the Kids Dash. Jenius showcased Jenius, a product of Bank BTPN, is once again launching the 7 Days 7
the #laribarengjenius program Nights #jadilebihjenius program by introducing the Jenius Online Travel
at the event, featuring a fun run, Fair for the first time, scheduled from October 11th to 17th, 2023.
workshops, and a talk show on During this event, discounts of up to Rp7 million were made available
preparing for running competitions. for use on Traveloka for customers to purchase transportation tickets,
Additionally, Jenius offered special accommodations, and vacation activities. The Jenius Online Travel Fair
deals exclusively for Jenius users. introduces a novel concept that has not been seen before. Jenius users
can engage in a voucher competition for the chance to secure an up to
Rp7 million discount by first purchasing a voucher for Rp7,007 on Loket.
com using Jenius Visa Credit and Debit Cards.
12 OCTOBER 2023 02 NOVEMBER 2023
Bank BTPN held the 2023 Sustainability Seminar Bank BTPN announced a partnership with PT
“Addressing Climate Change through Decarbonization Manulife Asset Management Indonesia (“MAMI”),
Initiatives across Wider Business Sectors” with the theme the largest investment manager in Indonesia.
“Beyond Energy Transition: Seizing Opportunities in The Through this collaboration, Bank BTPN will
Pathway to Net Zero Economy”. The seminar, attended enhance its business by offering seven Manulife
by at least 200 invited guests from 60 companies, took
mutual funds to provide investment solutions for
place at The Westin Hotel Jakarta on October 12, 2023.
its customers. The products include one money
This event aimed to share knowledge with corporate
customers about decarbonization efforts that can be market mutual fund in rupiah denomination;
undertaken by various business sectors. In addition to two fixed income mutual funds in rupiah
customers, the event was attended by 18 journalists denomination; one fixed income mutual fund in
from various media outlets. The seminar featured three US dollar denomination; two equity mutual funds
keynote speakers: Abdul Malik Sadat Idris, Head of in rupiah denomination; and one offshore equity
Region I, National Development Planning Agency; Lufaldy mutual fund in US dollar denomination with a
Ernanda, Director of Derivative Financial Supervision and portfolio consisting of globally scaled Asian
Carbon Exchange at the Financial Services Authority company stocks.
(OJK); and Ignatius Denny Wicaksono, Head of Business
Development 2 Division at the Indonesia Stock Exchange.
Sustainability Report 2023 PT Bank BTPN Tbk 21
Page 28
22 NOVEMBER 2023 23 NOVEMBER 2023
Bank BTPN held the Economic Outlook 2024 event along with Jenius from Bank BTPN held a press
the launch of its latest product innovation, ESG Deposit, at the conference introducing the expansion
Grand Ballroom of Hotel Indonesia Kempinski, Jakarta. In this of Yay Points redemption options
year’s Economic Outlook event, Bank BTPN adopted the main on the Jenius Visa Credit Card,
theme “Navigating through 2024: Strategies for Resilience and now including a travel category for
Growth,” reflecting the bank’s strategic vision to walk alongside exchanging points for KrisFlyer Miles
its customers through the challenges of the coming years with and Traveloka Points. This represents
resilience and facilitating sustainable economic growth. The a significant development following the
seminar featured three keynote speakers: Rabin Indrajad Hattari, earlier introduction of a new scheme in
Secretary of the Ministry of State-Owned Enterprises, Febrio May 2023 which allowed Yay Points to
Kacaribu, Head of the Fiscal Policy Agency (BKF) of the Ministry be exchanged for e-Wallet balances,
of Finance of the Republic of Indonesia, Chatib Basri, Co-Founder specifically GoPay and OVO.
of the Creco Research Institute, Yustinus Prastowo as the Special
Staff of the Minister of Finance for Strategic Communication, and
Muhammad Qodari as a Political Observer and Executive Director
of Indo Barometer.
30 NOVEMBER 01 DECEMBER 2023
Bank BTPN held its Year-end Media Gathering 2023
themed “Back to the Roots: Getting to Know Bank
BTPN Again” at the De Driekleur Building in Bandung.
This event was also organized to express the bank’s
gratitude and appreciation to the media for their support
and collaboration. The President Director of Bank BTPN
Henoch Munandar, the Compliance Director of Bank
BTPN Dini Herdini, the Head of Wholesale, Commercial,
and Transaction Banking of Bank BTPN Nathan
Christianto, the Digital Banking Business Stream Head
of Bank BTPN Anita Ekasari, and the Communications
and Daya Head of Bank BTPN Andrie Darusman, were
present at the event. The series of activities commenced
with a sharing session featuring Bank BTPN speakers in
front of 22 journalists from 11 national media and 11
local media in Bandung.
22 Sustainability Report 2023 PT Bank BTPN Tbk
Page 29
07 DECEMBER 2023
Bank BTPN held an Extraordinary General Meeting of
Shareholders (EGMS) on December 7, 2023. During the
EGMS, the shareholders officially approved: (1) the plan
to withdraw the Company’s shares resulting from the
buyback (“Treasury Stock”); and (2) the plan for a Capital
Increase with Preemptive Rights (“PMHMETD”) or Rights
Issue, in accordance with the Company’s Articles of
Association and the applicable regulations.
12-13 DECEMBER 2023
Bank BTPN held its annual event, “Daya Fest
2023,” on December 12-13, 2023. Under the theme
“Empowerment for a More Meaningful Sustainable Life,”
the series of events at Daya Fest 2023 showcased Bank
BTPN’s commitments to implementing sustainable
development, emphasizing the crucial involvement of
external stakeholders engaging with the bank, and the
provision of educational initiatives aimed at enhancing
public awareness of sustainability topics.
Sustainability Report 2023 PT Bank BTPN Tbk 23
Page 30
MESSAGE FROM
THE BOARD OF
COMMISSIONERS
AND DIRECTORS
Bank BTPN is committed to achieving
greater sustainability and generating
positive impacts for both society
and the environment through careful
implementation of sustainability
policies and strategies during
operational activities.
24 Sustainability Report 2023 PT Bank BTPN Tbk
Page 31
Message from
fromThe
TheBoard
Boardofof
Commissioners and
Commissioners andDirectors
Directors
Sustainability Report 2023 PT Bank BTPN Tbk 25
Page 32
Bank BTPN
continues to
adapt, learn, and
grow in line with
the dynamics of
environmental
changes and global
sustainability
demands.
Chow Ying Hoong
President Commisioner
26 Sustainability Report 2023 PT Bank BTPN Tbk
Page 33
Message from The Board of
Commissioners and Directors
MESSAGE FROM THE
PRESIDENT COMMISSIONER
[GRI 2-22] [OJK A1]
Dear Respected Stakeholders, Bank BTPN is committed to continuously developing its
capacity to ensure the achievement of its sustainability
Climate change has emerged as a critical global issue goals. One of the regular steps taken involves the
due to its widespread impact on various economic enhancement of management, employee, customers,
sectors, including banking. As an integral part of the and partners competencies through diverse training
global community, Bank BTPN is actively committed and development programs. In particular, Bank BTPN
to preserving the planet through the incorporation of aims to support the capacity development of senior
more sustainability initiatives within its operations. management in sustainable finance.
Bank BTPN is confident that, with the support of
all stakeholders, it can positively contribute to the Bank BTPN acknowledges that the skills and
environment and generate sustainable social impact. knowledge acquired by the management, employees,
partners, and stakeholders in general play a pivotal role
Bank BTPN seeks to actively address climate change in strengthening sustainability practices throughout
issues through the implementation of our Sustainable the organization.
Finance Action Plan (Rencana Aksi Keuangan
Berkelanjutan/RAKB) which continues to serve as the Additionally, Bank BTPN consistently monitors the
guideline for our direction and strategy in upholding development of sustainability-related regulations and
our sustainability principles. Bank BTPN’s RAKB is ensures strict compliance with these regulations. Bank
designed to integrate responsible financial practices in BTPN strives to always comprehend and implement
our operations and endorses initiatives that minimize the latest standards related to sustainable banking
environmental impact. The development of Bank practices. This not only enhances our compliance with
BTPN’s RAKB plays a crucial role in providing clear legal requirements but also ensures that our practices
guidance on the formulation of policies and financial align with global standards that promote global
products that bolster sustainable economic growth. sustainability goals. In this case, the directors of Bank
BTPN are responsible for executing the Environmental,
Furthermore, Bank BTPN is committed to supporting Social, and Governance (ESG) strategy. This approach
the achievement of the SDGs through a range of aims not only to enhance Bank BTPN’s compliance
ongoing initiatives. Bank BTPN believes that the with legal aspects but also to ensure that the bank’s
active involvement of the banking sector towards activities are performed in accordance with global
achieving the SDGs is a very essential factor for standards that promote sustainability goals.
building an inclusive economy, strengthening
environmental resilience, and creating a sustainable
society. As part of our commitment to sustainability,
Bank BTPN publishes an annual Sustainability Report
to strengthen our transparency and accountability
regarding our endeavours towards achieving our
sustainability goals.
Sustainability Report 2023 PT Bank BTPN Tbk 27
Page 34
This commitment aligns with Bank BTPN’s role as part Therefore, the Board of Commissioners would like
of Sumitomo Mitsui Bank Corporation (SMBC Group), to express sincere appreciation for the dedication
an international bank that has signed on to various and outstanding professionalism demonstrated by
sustainability initiatives, such as the Equator Principles the Board of Directors and management during this
(EP) and Principles for Responsible Banking (PRB). reporting period. The hard work, innovation, and
These two initiatives further encourage Bank BTPN perseverance of the Board of Directors have laid a
to implement better risk management by integrating solid foundation for the sustainability of Bank BTPN,
ESG aspects into the decision-making process and not only as a business entity but also as a positive
financing. agent of change in achieving sustainable finance.
Various initiatives undertaken by Bank BTPN also aim The Board of Commissioners would also like to express
to support SMBC Group’s agenda in achieving its Net our utmost gratitude to all employees enthusiastically
Zero Emissions (NZE) 2030 targets for operational contributing to implementing sustainable practices
activites, as well as the 2050 targets for the loans in all operational aspects of the bank. Additionally,
and investment portfolio. Therefore, SMBC Group will the Board of Commissioners would like to extend
also continue to increase the level of financing in the our gratitude to the external stakeholders for their
environmental sector, such as in the renewable energy valuable support. Our strong collaboration with
sector. This initiative has also been adopted by Bank partners, regulators, customers, and the community
BTPN. In addition, Bank BTPN also strives to increase has significantly bolstered our endeavours to promote
its portfolio in the Sustainable Business Activities sustainable finance. This support is a crucial pillar in
Category (KKUB) as outlined by the Financial Services Bank BTPN’s journey towards a more sustainable and
Authority (Otoritas Jasa Keuangan/OJK). inclusive future.
2023 was a year of recovery from the pandemic’s Through collaboration and shared commitment,
impact. Despite the lack of significant improvement we can address the challenges of climate change
in the global economy, the Board of Directors of and engage in responsible financial management.
Bank BTPN has made concerted efforts to enhance Let’s welcome the year 2024 with a spirit of greater
its performance during these challenging times. sustainability and greater commitment to preserving
the earth together.
Jakarta, February 28, 2024
Chow Ying Hoong
President Commissioner
28 Sustainability Report 2023 PT Bank BTPN Tbk
Page 35
Message from The Board of
Commissioners and Directors
Sustainability Report 2023 PT Bank BTPN Tbk 29
Page 36
The sustainability
initiatives pursued
by Bank BTPN
are aim to at
supporting the
achievement of
the Sustainable
Development Goals
(SDGs), while
also increasing
our active role in
climate change
management.
Henoch Munandar
President Director
30 Sustainability Report 2023 PT Bank BTPN Tbk
Page 37
Message from The Board of
Commissioners and Directors
MESSAGE FROM THE
PRESIDENT DIRECTOR
[GRI 2-22] [OJK A1]
Dear Respected Stakeholders, • Developing the BTPN Tower as a green building
that has achieved the Greenship certificate from
2023 was the year when the world began to recover Green Building Council Indonesia with a Gold
from the pandemic. According to the IMF’s World rating.
Economic Outlook, the global economy was still in the • Adopting the use of renewable energy in the
process of recovering from the pandemic during 2023.1 company’s operations, such as installing solar
In response to this challenge, Bank BTPN has taken the panels at one of Bank BTPN’s branch offices
responsibility of supporting economic recovery while and providing low-emission operational vehicles
continuing to prioritize sustainable financial initiatives. (electric cars) for senior management.
The year 2023 has been successful, due to the support • Implementing the Project Dolfin (Digital Workspace
of all stakeholders. Therefore, Bank BTPN express Flexi Office in New Normal)2 initiative that allows
gratitude for the support of all stakeholders. employees to work remotely. Through this
initiative, employees do not have to go to the office
every day, thereby reducing fuel consumption for
POLICY TO RESPOND THE CHALLENGES commuting and minimizing electricity usage in the
[OJK D.1.a] office. In addition, Project Dolfin also encourages
Bank BTPN acknowledges that preserving the earth is BTPN employees to have a more balanced life.
a shared responsibility in building a better future and • Implementing portfolio financed emissions control
ensuring a healthy planet for the next generation. As with the target of getting to Net Zero in portfolio
a tangible demonstration of this commitment, Bank financed emissions by 2050.
BTPN actively participates in sustainability initiatives,
recognizing that sustainability is not merely a demand, The dedication of Bank BTPN to climate management is
but a profound commitment to making positive demonstrated by the presence of a special committee
contributions to the environment and society. tasked with strategic planning and sustainability
implementation within Bank BTPN, namely the
Bank BTPN’s sustainability initiative is ingrained in Sustainability Committee, chaired by the Director of
the company’s values and permeates its corporate Compliance and Legal.
culture, strategic planning, products and services, and
day-to-day operations. Bank BTPN’s commitment to Bank BTPN in 2023 will also continue to strengthen
sustainability is fortified through the implementation its commitment to the implementation of sustainability
of the RAKB. By integrating this commitment into the practices by issuing a Sustainability Policy. This
RAKB, Bank BTPN not only affirms its resolve to make Sustainability Policy is a basic guideline for all
a positive impact on sustainability, but also establishes employees involved in the provisions that must be met
a robust framework to ensure that this commitment by Bank BTPN in carrying out responsible banking
continues to steer every decision and action of the business activities and prioritizing sustainability
company. aspects. To ensure that sustainability policies are
always in accordance and relevant to applicable
Bank BTPN demonstrates its commitment to policies and regulations, Bank BTPN conducts a review
environmental sustainability through the integration and evaluation of the Sustainability Policy every year.
of ESG risks into the bank’s financing or operational
processes, manifested in the form of: In addition, in 2023, Bank BTPN will also launch
• Offering a suite of sustainable finance products a sustainability page on Bank BTPN’s official
and services, including green financing and ESG website, namely https://www.btpn.com to support
Deposit. and strengthen information transparency related to
• Adopting digital technologies to reduce paper sustainability policies and performance.
usage and hence carbon footprint.
1
International Monetary Fund. World Economic Outlook. Navigating Global Divergences. Oktober 2023. https://www.imf.org/en/
Publications/WEO/Issues/2023/10/10/world-economic-outlook-october-2023 [Accessed: 4 Jan 2023]
2
Remote dan Balance Life
Sustainability Report 2023 PT Bank BTPN Tbk 31
Page 38
Bank BTPN also pays attention to the social aspects of In the social aspect, Bank BTPN enhanced the
sustainability implementation by developing a business capabilities of MSME entrepreneurs. Empowering
model centered on the motto “Do good do well.” Bank MSMEs is a key factor in enhancing societal welfare
BTPN not only acts as a provider of financial services, and fostering economic growth in Indonesia, as
but also as a partner in enhancing the community’s these enterprises significantly contribute to GDP,
capacity to build more meaningful lives. This aligns employment, and equitable development. Bank BTPN
with Bank BTPN’s vision to become the preferred bank has provided training to 7,700 MSME entrepreneurs and
in Indonesia that can significantly change millions of has also offered various information and empowerment
people’s lives, with the support of digital technology. resources online through the daya.id website.
Through Daya Program, Bank BTPN empowers In addition to MSME participants, Bank BTPN also
customers and the community through its four empowered the community by enhancing financial
pillars: competence development, financial literacy, skills through seminars, infographics, and posters on
capacity to grow for business, and sustainable living. Bank BTPN’s digital channels. This Financial Literacy
Empowerment fosters an environment in which Program has now reached 2,705,138 people.
individuals can actively participate in making decisions
concerning finance, education, health, and various An equally crucial endeavor is to increase the capacity
other facets of life. Through offering appropriate access of employees who spearhead Bank BTPN’s business
and support, we aim to cultivate a more self-reliant, performance. During 2023, Bank BTPN conducted
empowered, and well-managed community. Bank 753 training programs attended by 6,544 employees
BTPN is committed to making a positive contribution to with a total training hours of 322,849 hours, so that the
community empowerment and view this as an integral average training hours for each employee is 49 hours
part of our sustainability mission. per year. Bank BTPN also conducts empowerment
activities for employees entering retirement, in the
All of Bank BTPN’s sustainability programs are form of financial training, psychological and moral
grounded in the triple bottom line philosophy (People, encouragement, so that retirement can be enjoyed
Planet, Profit), while also supporting the achievement vigorously and productively. This near-retirement
of the SDGs and contributing to climate change training was attended by 70 participants.
management.
In 2023, Bank BTPN successfully achieved awards
from various parties, including: Best Bank 2023
SUSTAINABLE FINANCE IMPLEMENTATION from Infobank Magazine, Most Outstanding Sharia
[OJK D.1.b] Banking in Microfinance from CNBC Indonesia, The
The year 2023 has been a period of great pride for Best Performance & The Most Efficient Sharia Bank
Bank BTPN in achieving sustainability performance. from Bisnis Indonesia Financial Award. In the realm of
The positive results serve as tangible proof of our sustainability, Bank BTPN also received the Platinum
commitment to integrating sustainable practices into Award from the Indonesian Sustainable Development
all aspects of our operations and decision-making. Our Goals Award 2023 and once again secured the
launched initiatives have led to significant progress in Platinum Rank at the Asia Sustainability Reporting
creating a positive impact on the environment, society, Rating (ASRRAT) 2023 event. These achievements
and our business. are evidence of the Bank BTPN’s continued efforts to
maintain excellent performance and deliver high-quality
in the economic sector, Bank BTPn recorded a con- services to its customers.
solidated net profit of Rp 2.68 trillion on 2023.
Additionally, Bank BTPn’s net interest income incre
ased by 3.1% to Rp12.04 trillion, while operational in TARGET ACHIEVEMENT STRATEGY
come increased by 3.1% to Rp14.12 trillion. [OJK E.5] [OJK D.1.c]
Implementing sustainable finance is a challenging
To support sustainability efforts, Bank BTPN increased journey that also promises opportunities. The finance
its green financing portfolio, which grew by 10.9% sector is encountering similar challenges as it strives
compared to the previous year, with a total value of to embed sustainable finance practices, including the
Rp7.68 trillion. In addition, Bank BTPN issued an ESG need for culture change, a deep understanding of risk,
Deposit and an ESG Mutual Fund to offer investors and the integration of sustainability into investment
the opportunity to make investments that not only decisions.
yield personal income but also deliver social and
environmental benefits. In conducting business, Bank BTPN is aware of the
financial risks related to climate change and impacts
to nature such as biodiversity loss, deforestation risk,
marine environmental risk, flood and water scarcity.
In addition, Bank BTPN also acknowledges social
32 Sustainability Report 2023 PT Bank BTPN Tbk
Page 39
Message from The Board of
Commissioners and Directors
risks that may arise from business activities, such as The bank also sees an opportunity in operational
risks related to human rights, including labor and local efficiency initiatives, which aim to make an impact
community rights. by reducing workplace energy consumption and
and greenhouse gas emissions. In 2023, Bank BTPN
As a result, Bank BTPN regularly provides socialization started to adopt renewable energy in the company’s
and training sessions to encourage organizational operations, for example by installing solar panels that
culture transformation, helping employees across can convert sunlight into electrical energy in the office
different levels to embrace and contribute to building of Bank BTPN Gunung Sahari Branch, Jakarta.
sustainability and social responsibility. Additionally, In addition, Bank BTPN has also started converting
the bank focuses on building the knowledge and skills fuel-based vehicles used for Commissioners to lower-
of Board of Directors and management in sustainable emission electric vehicles.
finance topics.
As employee awareness continues to grow, Bank
Understanding sustainability risks is also a challenge, as BTPN introduce working location flexibility through
banks must be able to identify, measure, and manage Project Dolfin and integrate digital technology into
risks related to sustainability aspects. Understanding its operations, this will effectively reduce the bank’s
this, Bank BTPN conducted an analysis of social, carbon footprint.
environmental, and corporate governance impacts. In
addition, Bank BTPN uses sustainability performance The year 2023 has been a successful one, marked
metrics and indicators, and involves interested parties by various outstanding achievements. On behalf of
in the evaluation process. the management, Bank BTPN would like to express
our gratitude to all levels of management and
Another challenge lies in integrating sustainability into employees of Bank BTPN for their dedication and
investment decisions, which requires an understanding extraordinary contributions to various sustainable
on how social and environmental factors can impact finance achievements in 2023. The successful
long-term financial performance. In addressing this implementation of sustainability initiatives and the
challenge, Bank BTPN assesses how social and positive achievements recorded in this report are
environmental factors may influence long-term financial inseparable from the joint efforts, commitment, and
performance. This includes a detailed analysis of integrity of each individual involved. Additionally,
potential effects on the bank’s reputation, operational we would like to extend our heartfelt gratitude to all
risks, and various business growth opportunities. stakeholders of Bank BTPN for their invaluable support
and cooperation, which have been instrumental in our
In addition to these challenges, the bank has benefitted success and sustainable growth.
from opportunities through the adoption of sustainable
finance. This includes gaining access to sustainable Together, let us give 2024 the positive momentum
financing, as financial markets are progressively to continue supporting sustainable finance and
favoring investments that promote sustainable preserve the earth together. Through commitment and
business. Bank BTPN creates innovative products collaboration, we can create a financial environment
and services that promote sustainability. Bank BTPN’s that supports sustainable growth, thereby benefiting
involvement in sustainable finance has bolstered its both society and the environment.
reputation, making it more attractive to investors.
Jakarta, February 28, 2024
Henoch Munandar
President Director
Sustainability Report 2023 PT Bank BTPN Tbk 33
Page 40
BANK BTPN &
SUSTAINABILITY
COMMITMENT
Bank BTPN demonstrates its
commitment to sustainability through
the implementation of sustainable
policies and strategies in its
operational and business activities,
to create a positive impact for society
and the environment.
34 Sustainability Report 2023 PT Bank BTPN Tbk
Page 41
Bank Btpn & Sustainability
Commitment
Sustainability Report 2023 PT Bank BTPN Tbk 35
Page 42
Bank BTPN considers sustainability to be an endeavor As part of the SMBC Group, Bank BTPN is strengthening
to manage social and environmental aspects in a its sustainability commitment to support the SMBC
manner that creates a more meaningful life for present Group's target to achieve Net Zero Emission (NZE)
and future generations. Consequently, Bank BTPN is by 2030 for the Bank's operational activities; and by
aware of the significance of developing sustainable 2050 for the NZE target for the Loan and Investment
business practices as a strategic measure, not only Portfolio. This commitment is part of how SMBC
to attain short-term financial success, but also to Group contributes to a more sustainable future, by
foster a lasting positive impact on society and the taking specific actions to address climate change and
environment. advance a better society, including adopting long-
term goals to achieve net zero emissions within the
spirit of the Paris Agreement.
Roadmap
addressing Scope 1 & 2
climate change Scope 3 Net zero GHG Zero balance for loans Net zero GHG emissions
Disclose mid-to emissions extended to coal-fired [Loan & investment
long-term goals [Own operation] power plant portfolio]
2023 2030 2040 2050
In line with the SMBC Group, Bank BTPN believe that robust integration of sustainability principles is essential to
achieving sustainable business growth.
Investment and Optimization of
Assets
Cost Reduction and Efficiency
Investment can pay-off better with oversight
Creating a sustainable business can deliver of long-term environmental issues and
cost savings and efficiencies e.g. lower energy capital allocation with a better understanding
consumption, reduced water intake of climate risks
Enhanced Credibility Top-Line Growth
A sustainable business helps achieve stronger Achieve better access to resources through
stakeholder involvement, better access and stronger relations with stakeholder and
retention of staff regulators
Create New Competitive and Risk Mitigation and Regulatory
Profitable Business Models Interventions
There is extensive evidence on the link between Environmental and social risks are better
sustainable business models and improved managed when a company is prepared and
commercial returns has strategic freedom via de-risking from
regulatory changes (e.g. carbon taxes)
Bank BTPN realizes this commitment by continuously The Sustainability Policy governs environmental and
strengthening the integration of sustainability principles social aspects of Bank BTPN’s operational and business
in all aspects of its business and operational activities. activities in accordance with the direction of regulators,
Having established the Sustainability Committee in SMBC Group, and international standards. This policy
2022, Bank BTPN also went on to issue a Sustainability also helps to increase awareness among employees
Policy is a guideline for all employees involved in and foster a culture that supports sustainability at
supporting Bank BTPN in its responsible banking Bank BTPN. To ensure that sustainability policies
business activities and other sustainability related are in accordance and relevant to applicable policies
priorities. and regulations, Bank BTPN conducts a review and
evaluation of the Sustainability Policy annually.
36 Sustainability Report 2023 PT Bank BTPN Tbk
Page 43
Bank Btpn & Sustainability
Commitment
This year, Bank BTPN also launched a sustainability page on Bank BTPN’s official website (www.btpn.com) to
support and strengthen information transparency related to sustainability policies and performance.
Bank BTPN’s Sustainability Strategy [GRI 2-22] [OJK A1]
To fulfill its sustainability commitments, Bank BTPN has formulated the following sustainability strategy:
Development Employee Implementation of Sustainable
of Sustainable Capacity Building Finance Principles Within the
Finance Product Organization and Governance
Innovations
1. Development of Sustainable Finance Product 3. Implementation of Sustainable Finance
Innovations Principles Within the Organization and
As a financial services provider, Bank BTPN Governance
continues to strengthen its commitment to Bank BTPN is committed to integrating
supporting sustainable finance in Indonesia by sustainability principles into its business and
actively promoting an economic system oriented operations by prioritizing practices that value
towards sustainable economic, social, and the environment and society. The bank actively
environmental principles. To this end, Bank BTPN promotes a sustainability culture by focusing
continues to develop sustainable finance product on energy conservation, greenhouse gas (GHG)
innovations guided by its Sustainability Policy and emissions reductions, and other initiatives aimed
RAKB. For further information on Bank BTPN’s at achieving net-zero emission (NZE) for Scope
Sustainability Policy and RAKB, please refer to 1 and 2 emissions by 2030. Furthermore, Bank
www.btpn.com. BTPN aims to attain net-zero GHG emissions
for scope 3 (financed emission) by 2050. Having
2. Employee Capacity Building these targets underscores the bank’s commitment
Bank BTPN upholds sustainability principles in to mitigating climate change. For more information
its management of human resources to generate on how we are working to achieve these targets,
lasting value for the organization, its employees please refer to the “Prioritizing Environmental
and the broader community. Human resource and Climate Commitments” section on page 114
management is conducted through an approach and the “Innovation in Sustainable Governance”
that encompasses well-being, diversity and section on page 122.
inclusion, as well as fair and transparent treatment.
Bank BTPN endeavors to cultivate a conducive
work environment that empowers employees
to make a more positive impact on society
(#MoreThanAJourney). For further information Bank BTPN’s Net
on Bank BTPN’s human resources management,
Zero Emissions
please refer to the “Increasing Capacity for
Sustainability” section on page 96.
(NZE) targets
Bank BTPN has targeted NZE of
operations by 2030 and NZE of
loan and investment portfolios by
2050.
Sustainability Report 2023 PT Bank BTPN Tbk 37
Page 44
Sustainability Governance
Bank BTPN took concrete steps to demonstrate its The Board of Commissioners and the Board of
commitment to sustainability and climate change Directors have appointed a dedicated officer, the
mitigation by establishing the Sustainability Committee Director of Compliance and Legal, to be responsible
in 2022. This committee is authorized to determine for the sustainability function within the company.
the direction of climate risk management policies and Oversight day-to-day operations is delegated to the
identify new business opportunities. The Sustainability Communications and Daya Head, who also coordinates
Committee consists of the Board of Directors and the the respective heads of the Lines of Business (LOB) and
heads of each relevant business unit. The committee relevant support functions. Additionally, Bank BTPN has
is responsible for formulating sustainability strategies, Daya & Sustainability Development Unit to coordinate
policies, and targets, as well as overseeing the the integration of sustainability practices across
implementation of climate and sustainability issues with relevant directorates. [GRI 2-13] [OJK E.1] [TCFD G2]
the following duties and responsibilities:
1. Formulating strategies, policies, and targets related To ensure compliance with the bank’s sustainability
to sustainable finance at Bank BTPN. policies, Bank BTPN utilizes the Three Lines of Defense
2. Monitoring, evaluating, and making mechanism. The audit team conducts social and
recommendations regarding the implementation of environmental audits of operations on an annual basis,
sustainable finance in accordance with regulatory additionally, for Bank BTPN’s business activities, if such
and SMBC directions. business activities already have and apply governance
on social and environmental aspects, this will be
The company’s environmental, social, and governance included in the related audit.
(ESG) policies and business strategies are deliberated
upon during the General Meeting of Shareholders In addition, Bank BTPN integrates sustainability
(GMS), convened at least once a year. The formulation principles into the monitoring and performance
and execution of these policies takes into account input evaluation mechanisms of the Compliance and Legal
from both internal and external stakeholders through Directorates, as well as the relevant business units or
diverse channels provided by Bank BTPN, including Lines of Business (LoBs), ensuring that the achievement
corporate emails, letters, reports and other means. The of sustainability targets is duly considered.
feedback gathered from these interactions is used to
help guide and improve the company’s sustainability The performance assessment and evaluation
performance. [GRI 2-12] mechanism (Key Performance Indicator/ KPI) also
extends to Daya & Sustainability Development Unit
The Board of Commissioners regularly receives and the business directorates, ensuring that the
sustainability update reports, including on climate- achievement of sustainability targets is duly considered.
related issues annually, while the Board of Directors
receives these update reports twice a year. The Board
of Commissioners and the Board of Directors utilize this
information to review and assess policies, strategies,
budgets and climate-related risk management.
[TCFD G1]
38 Sustainability Report 2023 PT Bank BTPN Tbk
Page 45
Bank BTPN & Sustainability
Commitment
Sustainability Policy of
Bank BTPN
n 2023, Bank BTPN introduced a Sustainability Policy to
provide a foundational framework for employees in the bank.
This Sustainability Policy is a basic guideline for all Bank BTPN
employees and outlines the provisions of Bank BTPN in conducting
responsible banking practices and other sustainability priorities.
The aim of this Policy is to establish governance of environmental
and social aspects in Bank BTPN operational and business
activities in accordance with regulatory directives, SMBC Group,
and international standards. Additionally, it is utilized to enhance
the awareness and skills of all officials and employees in fostering a
sustainability culture at Bank BTPN.
To ensure that the sustainability policy aligns and remains relevant
to applicable policies and regulations, Bank BTPN conducts an
annual review and evaluation of the Sustainability Policy, regularly.
Sustainability Report 2023 PT Bank BTPN Tbk 39
Page 46
Role of the Governance Body in
Sustainability Reporting [GRI 2-14]
The assessment and preparation of the Sustainability Report takes into account input from internal and external
stakeholders and adheres to applicable national and international standards. The Sustainability Report is reviewed
by all relevant directorates and approved by the Board of Directors and Commissioners.
In the preparation process, all disclosures submitted have received confirmation and approval from the relevant
Directorate. Material topics around sustainability performance are determined based on surveys with stakeholders.
The Communications & Daya Division is on duty.
RELATIONSHIP WITH STAKEHOLDER
[GRI 2-29] [OJK E.4]
Governance
Engagement Methods
Stakeholders Establishment Basis Topic Management
and Frequency
Function
Shareholders and • Dependency • Organizational • Providing information on • Corporate Secretary
Investors • Influence Governance Bank BTPN’s achievements • Investor Relation
• Responsibility • Economic Performance through the General Meeting
Achievement of Shareholders, quarterly
• Sustainable Finance reports, and the issuance of
annual reports
• Direct communication and
analysis to ensure the delivery
of material information
• Meetings as needed, at least
once a year
Customer • Dependency • Customer Protection • Provision of products and • Line of Business
• Responsibility • Sustainable services in accordance with • Compliance
• Influence Relationships applicable regulations • Corporate
• Geographic • Sustainable Business • Timely, adequate, clear, Communication
Proximity • Net Zero Emission and accurate provision of • Daya & Sustainability
information on products and
services
• Development of high-quality
services to ensure customer
satisfaction
• Implementation of Daya
Program
• Advertising and promotional
media as needed
• Implementation of sustainable
finance seminars for customers
• Meetings are convened
whenever a customer visit
occurs, or at least once a year
Employees • Dependency • Industrial relations • Objective, transparent, fair, and • Human Resources
• Responsibility • Protection and working equal management of Bank
• Influence conditions BTPN’s personnel
• Attention • Competence building • Establishing a conducive
• Geographic • Career development and work environment for optimal
Proximity self-actualization productivity
• Sustainable finance • Career development through
• Sustainability talent management system and
assessment center
• Implementation of education
and sustainability seminars for
employees
• Meetings for internal activities
40 Sustainability Report 2023 PT Bank BTPN Tbk
Page 47
Bank Btpn & Sustainability
Commitment
Governance
Engagement Methods
Stakeholders Establishment Basis Topic Management
and Frequency
Function
Community • Dependency • Education and Culture • Intensification of involvement in • Human Resources
and Non- • Responsibility • Technology and Access community activities covering • Daya & Sustainability
Governmental • Influence to Infrastructure education, empowerment,
Organizations • Geographic • Welfare and Income culture, religion, humanity and
(NGOs) Proximity • Sustainable Finance the environment
• Sustainability • Implementation of Daya
• Environment Program
• Conducting sustainable finance
seminars
• Meetings as needed, at least
once a year
Business • Dependency • Sustainable • Clear terms of partnership • Procurement
Partners/ • Conflicting Opinion Relationships • Transparent performance • Daya & Sustainability
Suppliers • Influence • Economy assessment
• Equity • Regular assessments
• Sustainable Finance • Meetings as needed
• Sustainability • Implementation of
• Human rights sustainability and human rights
seminars for Partners and
Suppliers
• Meetings as needed, at least
once a year
Government and • Dependency • Compliance with Laws • Refinement of the latest Good • Compliance
Regulators • Responsibility and Regulations Corporate Governance (GCG) • Corporate Secretary
• Conflicting Opinion • Commitment to Banking Manual • Risk Management
• Influence Regulations • Implementation of GCG
• Geographic • Clear, Accurate, principles in all work units
Proximity Comprehensive and • Periodic meetings to improve
Timely Communication Bank BTPN
and Reporting • Implementation of seminars
• Sustainable Finance and Forum Group Discussion
(FGD) related to sustainable
financial policies
• Meetings as needed, at least
once a year
Community • Dependency • Business Development • Direct visits • Line of Business
Leader/Local • Conflicting Opinion • Regional Growth • Official meetings and • Customer Service
Official • Influence consultations • Corporate
• Geographic • Development Planning Meeting Communication
Proximity (Musrenbang)
• Periodic meetings as needed
• Execution of Daya program
Sustainability Report 2023 PT Bank BTPN Tbk 41
Page 48
Bank BTPN’s Strategy and Contributions
to the Sustainable Development Goals (SDGs)
[GRI 2-22] [OJK A1]
Through its various initiatives and programs, Bank BTPN strives to foster positive and sustainable change in
Indonesia.
Bank BTPN’s commitment is underscored by its achievement of the
Platinum award at the 2023 Indonesia SDGs Award (ISDA).
This accolade serves as a testament to the bank’s unwavering commitment
and dedication to realizing SDG 8: Decent Work and Economic Growth.
NO POVERTY
• Supporting economic growth through financing products for retail, micro, SMEs, and
corporate businesses in Indonesia.
• Providing employment for 6,636 employees.
• Through the Daya program, providing financial literacy training for the community and
training for the development of SMEs.
• Implementing economic recovery and customer loan restructuring programs during the
COVID-19 pandemic.
• Expanding customer business market access online through daya.id and offline through
customer product bazaars at Bank BTPN offices.
• Developing ESG Mutual Fund for environmental, social, and governance purposes,
expected to have an impact on improving the general welfare of society and reducing
poverty.
ZERO HUNGER
• Provision of financing for sustainable food & agriculture activities.
Good Health and Well-being
• Through daya.id, providing online training and information on health and business
development for the community.
• Providing elderly-friendly branch facilities.
• Providing health facilities for employees and customers during the COVID-19 pandemic.
• Ensuring the implementation of health protocols in all activities and operation of Bank
BTPN.
• Facilitating employee sports activities through BTPN Club.
42 Sustainability Report 2023 PT Bank BTPN Tbk
Page 49
Bank Btpn & Sustainability
Commitment
quality education
• Through the daya.id program, providing various training and capacity building for the
wider community.
• Collaborating with Djarum Foundation to help the younger generation through the
development of education facilities.
• Providing growth opportunities for employees through various training programs.
gender equality
• Becoming Co-founder/promoter in the Indonesia Business Coalition for Women
Empowerment (IBCWE).
• Through diversity and inclusion programs, practicing equality in career development and
employee remuneration.
• Providing a safe working environment for women.
• Providing nursing rooms for women in the workplace.
• Assessing the bank’s performance using the Gender Equality Assessment Result and
Strategy (GEARS) tool.
clean water and sanitation
• Providing financing for the development of clean water pipeline networks in DKI Jakarta
of Rp 8.87 trillion.
AFFORDABLE AND CLEAN ENERGY
• Providing financing facilities to corporations in the renewable energy sector and electricity
providers.
Decent Work and Economic Growth
• Providing financing for the MSME segment.
• Through daya.id, conducting entrepreneurship training to support the growth of MSMEs.
• Providing suitable and comfortable working spaces for employees.
• Implementing flexible work arrangements for employees during the COVID-19 pandemic.
Sustainability Report 2023 PT Bank BTPN Tbk 43
Page 50
INDUSTRY, INNOVATION AND INFRASTRUCTURE
• Developing technological innovations in banking services.
• Collaborating with the Djarum Foundation in developing educational facilities.
reduced inequalities
• Providing financing for the retail, micro, and SME segments.
• Through the Daya.id program, providing financial literacy for the community.
sustainable cities and communities
• Providing financing for the green property sector.
• Reducing energy, water, and other resource consumption at Bank BTPN’s head office.
Bank BTPN’s head office building (Menara BTPN) is a green building that has achieved
a Greenship certificate from the Green Building Council Indonesia with a rating of Gold
rating.
• Preserving culture through the management of the Dago branch office, which has received
an award from UNESCO.
responsible consumption and production
• Through its digital banking app (Jenius), Bank BTPN helps to reduce paper consumption
by customers and mitigate GHG emissions by reducing their need to travel to bank
locations.
• The bank has discontinued the provision of bottled drinking water at its headquarters.
• The bank has replaced the production of annual calendars with e-calendars.
• Providing green financing for waste management infrastructures and projects which the
objective is to promote recycling and reusing of materials.
CLIMATE ACTION
• Providing green finance products for infrastructure essential to achieving net zero
emissions, including renewable energy power generators, and battery and storage
facilities for renewable energy.
• Reducing energy consumption and GHG emissions across Bank BTPN offices.
• Supporting the Net Zero Emission (NZE) Transition Plan initiated by SMBC Group.
44 Sustainability Report 2023 PT Bank BTPN Tbk
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Bank Btpn & Sustainability
Commitment
life on land
• Implementing and enforcing environmental and social risk assessment procedures in all
parts of Bank BTPN’s business that include no deforestation rules in the Sustainability
Policy.
PEACE, JUSTICE AND STRONG INSTITUTIONS
• Establishing an institution that upholds transparency and integrity, as well as providing a
whistleblowing channel.
• Supporting employee participation in labor unions and collective labor agreements.
partnership for the goals
• Partnering with expert partners to jointly enhance the community’s capacity in
entrepreneurship and health, such as the various professional partners on the daya.id
website.
• Engaging as a member in various associations to help advance economic growth for
Indonesia – for example, PERBANAS.
* In the reporting period, Bank BTPN was still looking for the opportunities to contribute to SDGs No. 14 in supporting the preservation efforts
and responsible utilization of Marine and Ocean Resources.
Sustainability Report 2023 PT Bank BTPN Tbk 45
Page 52
about
Bank Btpn
Bank BTPN is committed not only
to successful financial business, but
also to empowering the community to
achieve a better quality of life.
46 Sustainability Report 2023 PT Bank BTPN Tbk
Page 53
About Bank BTPN
Sustainability Report 2023 PT Bank BTPN Tbk 47
Page 54
company profile
Company Name [GRI 2-1] Date of Establishment
PT Bank BTPN Tbk February 16, 1958
Ownership [GRI 2-1] [OJK C.3.c]
Line of Business [GRI 2-6] • Sumitomo Mitsui Banking Corporation (89,98%)
Banking Services • Public <5% (7,72%)
• PT Bank Central Asia Tbk (1,02%)*
Business Permit [GRI 2-6] [OJK C.4] • PT Bank Negara Indonesia (Persero) Tbk (0,15%)**
• Commercial Bank business permit • Treasury Shares (1,13%)
* Shares resulting from a Merger
• Foreign Exchange Bank business permit ** Comply with Government Regulation No. 29 of 1999
concerning the Purchase of Shares of Commercial Banks
Products [GRI 2-6] [OJK C.4]
Operations Areas and Service Network
• Funding
[GRI 2-1] [GRI 2-6] [OJK C.3.d]
• Financing
In all regions of Indonesia
Bank BTPN serves individual, corporate, MSME and
Legal Basis of Establishment other customers.
[GRI 2-1]
• Notarial Deed No. 21 dated October 6, 1959 of Business Entity [GRI 2-2]
Notary Noezar S.H
The business entities included in this report are Bank
• Notarial Deed No. 203 dated May 31, 1960 of BTPN, without subsidiary entities, unless specifically
Notary Noezar S.H stated in the section.
• Notarial Deed No. 53 dated November 7, 1960 of
Notary Noezar S.H
• State Gazette No. 13, Supplement No. 5, dated
February 14, 1961
• Notarial Deed No. 31 dated February 16, 1985
of Notary Komar Andasasmita, S.H, as amended
by Notarial Deed no. 12 dated July 13, 1985 of
Notary Dedeh Ramdah Sukarna, S.H.
Head Office Address [GRI 2-1] [OJK C.2] Phone :(62 21) 300 26 200
Menara BTPN, Fax :(62 21) 300 26 309
CBD Mega Kuningan Jl. Dr. Ide Anak Agung
Linked in : PT Bank BTPN Tbk
Gde Agung, Kav 5.5-5.6
Jakarta Selatan 12950, Indonesia Email : info@btpn.com
website : www.btpn.com
48 Sustainability Report 2023 PT Bank BTPN Tbk
Page 55
About Bank Btpn
company rating
AAA (Idn), Stable Outlook F1+ (idn) (Short Term) - PT idAAA (Triple A, Stable
(Long Term) - PT Fitch Fitch Ratings Indonesia Outlook) - PT Pemeringkat
Ratings Indonesia Efek Indonesia (PEFINDO)
Membership of ASSOCIATIONS [GRI 2-28] [OJK C.5]
Organization Name Membership Status Organization
Scale
Indonesian Issuer Association (AEI) Member National
Indonesia Sustainable Finance Initiative (IKBI) Member National
Indonesian Philanthropy Association Member National
Communication Forum of Compliance Directors (FKDKP) Member of Regulation & Policy Board National
National Private Bank Association (Perbanas) Member National
Indonesian Association of International Bank (PERBINA) Member National
Indonesian Payment System (ASPI) Member National
Indonesian Corporate Secretary Association (ICSA) Director of Compliance and Corporate National
Secretary, as a member
Indonesia Business Coalition for Women Empowerment Founder/promotor National
(IBCWE)
Company Scale [GRI 2-6] [OJK C.3]
Indicators 2023 2022 2021
Number of Employees 6,636 6,972 7,129
Total Operating Income - Net (Rp million) [OJK B.1.b] 2,580,781 2,710,216 2,306,104
Authorized capital (Rp million) 300,000 300,000 300,000
Issued capital (Rp million) 162,982 162,982 162,982
Total capitalization (Rp million) [OJK C.3.a]
· Third Party Funds 96,055,759 102,818,019 98,406,669
· Loans Received 34,283,897 47,925,106 37,615,236
· Equity 33,730,820 32,229,878 30,206,074
· Total Assets 181,241,336 189,241,556 174,601,315
Number of offices/networks 266 offices 278 offices 419 offices
214 ATM 212 ATM 215 ATM and TCR
Total funding products [OJK B.1.a] 13 11 12
Total financing products [OJK B.1.a] 17 17 18
Number of services [OJK B.1.a] 26 29 33
Sustainability Report 2023 PT Bank BTPN Tbk 49
Page 56
MILESTONES OF BANK BTPN
• BTPN finished the trial program for
the new mobile banking service,
• Bank BTPN launched BTPN Mitra BTPN Wow! This program was
Usaha Rakyat to serve micro launched in 2015.
entrepreneurs.
• Bank BTPN launched Daya,
• Bank BTPN opened 539 branch a continuous mass market
offices and recorded credit empowerment program as an
• In 1958, Bank was established improvement of Rp2.3 trillion. integral part on BTPN business
in Bandung under the name activity.
• Bank BTPN issued its first long-term
Bank Pegawai Pensiunan Militer
obligation in Indonesian Rupiah, • Bank BTPN launched the Sinaya
(Bapemil).
rated as A+ (National Scale Rating) funding program.
• In 1960, it obtained a license as a by Fitch Ratings.
• Bank BTPN initiated a trial of
commercial bank.
• Bank BTPN earned a long-term loan the Sharia Community Banking
• In 1986, Bapemil changed its name facility in Indonesian Rupiah from business under the subsidiary of
into PT Bank Tabungan Pensiunan International Finance Corporation BTPN Bank (BTPN Syariah Bank -
Nasional (BTPN) (IFC), a subsidiary of World Bank. Tunas Usaha Rakyat).
1958-1986 2009 2011
2019 2018
• PT Bank BTPN Tbk (Bank BTPN) officially commenced operations • BTPN successfully executed a strategic
as a new bank following the merger of PT Tabungan Pensiunan corporate action by conducting an initial
Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia public offering for its subsidiary, BTPN
(SMBCI). Bank BTPN has transformed into a universal bank, Syariah.
expanding its range of services to cater to a broader customer
• BTPN completed the merger process
base.
with PT Bank Sumitomo Mitsui
• Sumitomo Mitsui Banking Corporation (SMBC) divested 4.91% Indonesia (SMBCI). The merger resulted
of its ownership, equivalent to 400 million shares of Bank BTPN, in the formation of PT Bank BTPN Tbk.
at a price of Rp3,600 per share. This divestment reflects SMBC’s
commitment as the controlling shareholder of Bank BTPN to meet
its obligation to divest a portion of its shares, ensuring that the
amount of publicly traded shares or shares held by non-controlling
shareholders reaches 7.5%. Following the merger of BTPN
and SMBCI, SMBC’s ownership as the controlling shareholder
increased to 97.34% due to the implementation of the cash offer
and the conversion of shares resulting from the merger.
• Bank BTPN announced the issuance of bonds through the Fourth
Tranche of Sustainable Public Offering (PUB) valued at Rp1 trillion.
The funds raised from this bond issuance will be utilized to support
credit expansion across various segments, including micro, small
and medium enterprises (MSMEs), retail, and corporations.
50 Sustainability Report 2023 PT Bank BTPN Tbk
Page 57
About Bank Btpn
• BTPN acquired PT Bank Sahabat • SMBC, the second-largest bank in
Purba Danarta (Bank Sahabat), Japan by market value with assets
subsequently transformed it into a worth US$1,3 trillion, continued
Shariah Bank. Later that year, BTPN to increase its ownership stake
decided to spin-off its Shariah unit in BTPN, reaching 40.0% and
in 2014. becoming the controlling bank.
• Sumitomo Mitsui Banking • BTPN became more established as
Corporation (SMBC) from Japan it now had access to the regional
• BPTN finished the trial program
owned 24.39% of BTPN’s shares and international financial markets,
for a new mobile banking service,
by the end of 2013 through the if needed.
BTPN Wow!3 This program was
purchase of shares owned by
launched in 2015.
TPG Nusantara S.à r.l. and other
shareholders.
2012 2013 2014
2017 2016 2015
• Bank implemented the “Gemilang” • BTPN obtained its permit from • BTPN officially launched BTPN
transformation program, Bank Indonesia in December 2015, Wow!3, a banking service for the
encompassing changes to the allowing it to operate as a Foreign mass market. This innovative
bank’s organizational structure, Exchange Bank. This authorization service utilized mobile phones
technology, human resources, and enables Bank BTPN to conduct and was supported by agent
risk management. transactions in foreign currencies, services, extending the bank’s
including fulfilling cash needs, reach to provide banking services to
offering loans, and raising funds. previously undeserved communities.
• Bank BTPN launched its second
mobile phone platform, Jenius.
This innovative mobile phone
service utilizes smartphones to link
customers’ accounts with the bank,
enabling them to perform various
banking transactions. Jenius is
tailored for urban communities with
a good grasp of technology and
higher incomes.
3
BTPN Wow! was discontinued in 2022.
Sustainability Report 2023 PT Bank BTPN Tbk 51
Page 58
• Jenius launched a new innovative feature called • Bank BTPN granted a green loan facility totaling Rp1.06
Moneytory, designed to assist tech-savvy customers trillion to PT Kepland Investama, marking one of the
in simplifying their cash flow management. This feature pioneering instances of such a financial offering in the
automatically records their expenses and income through Indonesian market.
the Jenius application.
• Bank BTPN held “Daya Fest 2021,” a festival aimed at
• SMBC Group donated Rp13.17 billion to UNICEF empowering MSME players, customers, and the general
Indonesia to aid in mitigating the impact of the COVID-19 public through a series of inspirational and informative
pandemic. activities.
• SMBC Group donated Rp1.3 billion to the Indonesian • Jenius launched the “Jenius Aman” program as a means
General Practitioners Association (PDUI) to support efforts of promoting financial literacy and providing continuous
in addressing the transmission and impact of COVID-19 in education on digital security.
Indonesia.
• SMBC donated a total of 100 oxygen concentrator
• Jenius launched Jenius for Business, a starter kit for units to the Indonesian community in need through a
digital-savvy customers aiming to initiate and grow their collaborative effort involving the Ministry of Health and the
business. Indonesian Medical Association (IDI). The IDI facilitated
the distribution of these units to 35 cities and regencies
across 19 provinces in Indonesia.
• Bank BTPN and SMBC jointly supplied 45 oxygen
concentrator units, distributed to Bank BTPN branches for
the benefit of employees and their families in need.
2020 2021
2023 2022
• Bank BTPN and the International Finance Corporation • Bank BTPN partnered with Microsoft Indonesia in the
(IFC) entered into a partnership in a sustainable and social Code; without Barriers (CWB) program, marking the first
bond agreement to strengthen climate action and promote partnership of its kind in the Indonesian banking industry.
inclusive development in Indonesia. As part of the The CWB program aims to help close the gender gap in
partnership, the IFC committed to invest US$500 million. the region’s fast-growing cloud, artificial intelligence, and
This bond issuance marks a significant milestone for digital technology sectors.
Bank BTPN, underscoring its commitment to empowering
• An Extraordinary General Meeting of Shareholders
micro, small, and medium-sized enterprises (MSMEs) in
appointed Henoch Munandar as the CEO of Bank BTPN.
Indonesia, with a particular focus on businesses led by
women and climate change adaptation efforts. • Bank BTPN launched the Jenius Credit Card, offering
various conveniences and a strong digital presence.
• Bank BTPN transformed its Human Capital Management
(HCM) process by partnering with Darwinbox, a renowned • As of the end of 2022, Bank BTPN, in collaboration with
global Human Resources (HR) technology provider. SMBC, disbursed a green loan of US$93.75 million to PT
This strategic collaboration underscores Bank BTPN’s Perusahaan Listrik Negara as part of a syndicated loan
commitment to realizing the bank’s mission through a facility totaling US$750 million.
genuinely human-centered approach.
• In September 2022, Bank BTPN established the
• Bank BTPN partnered with Great Eastern General Sustainability Committee as a tangible demonstration of
Insurance Indonesia (GEGI) to distribute bancassurance its commitment to implementing sustainable finance.
products. This collaboration aligns with the government’s
sustainable development goals, particularly in supporting
the expansion of small and medium-sized enterprises in
Indonesia.
• Bank BTPN held its annual event, “Daya Fest 2023,”
following a hiatus due to the pandemic.
52 Sustainability Report 2023 PT Bank BTPN Tbk
Page 59
About Bank BTPN
Sustainability
Sustainability 2023 PT
ReportReport Bank
2023 PTBTPN
Bank Tbk
BTPN 53
Page 60
GREEN
ECONOMY
INNOVATION
Bank BTPN is committed to promoting
a green and sustainable economy
by endorsing projects and initiatives
that yield a positive impact on the
environment and society, while also
promoting sustainable development.
54 Sustainability Report 2023 PT Bank BTPN Tbk
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Green Economy
Innovation
Sustainability Report 2023 PT Bank BTPN Tbk 55
Page 62
Bank BTPN is committed to supporting national Bank BTPN fulfills this commitment by offering green
economic growth while mitigating climate impact financing facilities for activities or projects aimed at
through the incorporation of green economy principles reducing greenhouse gas emissions and promoting
into the company’s business model framework. With sustainable economic initiatives. Several projects
this emphasis, Bank BTPN strives to ensure that supported by Bank BTPN, in collaboration with its
its endeavors not only benefit the country’s overall parent company SMBC Group, have emerged as
economy, but also foster a positive impact through significant milestones and benchmarks for sustainable
sustainability initiatives, climate change management, development in Indonesia.
and environmental preservation.
2020 2021
Bank BTPN as the Lead Arranger for the • Bank BTPN serves as the security
refinancing of the first 75MW Wind Power agent in the development program of
Plant development in Indonesia, situated the Cirata Floating Solar Power Plant in
in Sidrap, South Sulawesi, with a total West Java, marking the first large-scale
loan of US$114.7 million. solar power plant project in Indonesia.
• Bank BTPN serves as the sole lender of
a Green Loan totaling Rp1.06 trillion to
PT Kepland Investama for refinancing
green building which was certified by the
Building Construction Authority (BCA)
Green Mark with a Platinum award.
2022
• Bank BTPN serves as the Mandated Lead
Arranger for a syndicated Sustainability-
Linked Loan of Rp 4.15 trillion and
Rp2.74 trillion to PT Semen Indonesia &
PT Solusi Bangun Indonesia. 2023
• Bank BTPN serves as the Green Loan • Bank BTPN serves as the Mandated
Coordinator for the US$750 million Lead Arranger & Bookrunner (MLAB)
Green Loan Syndicated Financing to PT for the financing of the clean water
Perusahaan Listrik Negara. pipeline construction in DKI Jakarta
by PT Air Bersih Jakarta (ABJ) totaling
Rp8.87 trillion.
• Bank BTPN as the Mandated Lead
Arranger for a syndicated Sustainability-
linked Loan of USD 700 million to PT
Sarana Multi Infrastruktur.
56
Page 63
Through this credit financing, Bank BTPN in 2023, 1. Portfolio
again won an award from The Asset Triple A 2023, Offering inclusive financial products and services
for several categories including "Best Issuer for to promote sustainable development and address
Sustainable Finance (Adviser award)" and "Best climate change. During the reporting period,
Sustainability Bond" for cooperation with IFC worth Bank BTPN commenced assessing the financial
US$ 500 million, and together with SMBC's parent implications of climate change on the company’s
company, Bank BTPN also won the "Indonesia Best operations.
Green Loan, Utility" award related to green syndicated
financing for PT Perusahaan Listrik Negara (PLN). 2. Business Processes
Delivering financial services that incorporate
Previously, in 2022 Bank BTPN also received similar ESG risks into products, services and business
awards from The Asset Triple A for "Best Green Loan" decision-making, while also conducting more
category related to the financing of PT Perusahaan sustainable banking operations.
Listrik Negara (PLN) and "Best Local Currency
Green Loan" related to the financing of PT Kepland 3. Learning and Growth
Investama. Developing the bank’s internal capacity and
capabilities and fostering partnerships, in order
In the future, Bank BTPN is prepared to expand its to implement and enhance sustainable finance
financing activities to encompass sectors and projects according to stakeholder needs and business
that promote energy efficiency, reduce pollution, and development objectives.
support low-emission transportation.
Bank BTPN's compliance with OJK Regulation No.
51/2017 on the implementation of sustainable finance
Sustainability Commitment of Bank for financial institutions is demonstrated through the
BTPN bank’s Sustainability Policy, including:
[OJK A.1][FS1] 1. Providing the necessary funding sources to
Bank BTPN’s commitment to sustainable finance is achieve progress on the UN SDGs and adequate
demonstrated through the integration of sustainability funding related to climate change mitigation and
principles into the RAKB. Through the implementation adaptation.
of sustainable finance, Bank BTPN is determined 2. Enhancing the resilience and competitiveness
to not only be a successful financial institution but of Bank BTPN through effective management
also a partner in building a sustainable and inclusive of social and environmental risks by developing
economy for all stakeholder communities. The RAKB financial products and services that are aligned to
is prepared by the Board of Directors, approved by
international standards and frameworks, thereby
the Board of Commissioners, and is mandatory for
making a positive contribution to the stability of
implementation at all levels of Bank BTPN.
the financial system.
The RAKB is designed to support the achievement 3. Reducing social disparities, mitigating and
of Bank BTPN's performance aligned with the SDGs. preventing environmental damage, preserving
Bank BTPN’s targets outlined in the RAKB include: biodiversity, and promoting the efficient use of
energy and natural resources.
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Bank BTPN ensures compliance by periodically formulating a RAKB as mandated in the company’s sustainability
policy. In 2023, Bank BTPN formulated the RAKB for the second period, namely RAKB 2024-2028. In this latest
RAKB, Bank BTPN is reinforcing sustainability initiatives in the financial, social, and corporate governance sectors.
In 2023, the RAKB included product development and various internal initiatives, as follows: [OJK F.1]
Main Group RAKB Program
Improvement of Sustainable Financial Portfolio Sustainable Financial Products:
1. Expansion of Sustainable Financing Portfolio for corporate segments.
2. Introduction of ESG Deposits for corporate segments.
3. Introduction of ESG Mutual Funds.
Sustainable Financial Services:
1. Pre-Retirement Program for Active and Independent Living.
2. Empowerment Program on Sustainable Finance Topics.
3. Thematic Environmental Campaign and Financial Management Skills.
Internal Capacity Development Internal capacity enhancement program related to sustainability.
Organizational Adjustment, Risk Management, Organizational development, policies, processes, and ESG integration.
and Governance, and/or Standard Operating
Procedures
For realizing the vision and mission of Bank BTPN Implications of Climate Change
to improve the quality of life of the community, Bank [GRI 201-2]
BTPN provides the Daya program. This program The impact of climate change is increasingly spreading
offers training for competence development, financial and affecting a wide range of industrial sectors
literacy, capacity to grow for business, and sustainable throughout the world, including the banking sector.
living. for customers and the general public. For further Therefore, responding to climate change is one of the
information, please refer to “Strengthening the Culture global challenges that must be immediately addressed.
of Empowerment and Expanding the Impact” section Since the adoption of the Paris Agreement, global
on page 80. efforts to combat climate change have accelerated,
including in Indonesia, whose government has
Bank BTPN’s commitment to advancing sustainability announced its commitment to achieving net zero
initiatives is shown by the appointment of a dedicated emission by 2060.
official, namely the Communications and Daya
Head, who is under the supervision of the Director The banking sector plays a crucial role in addressing
of Compliance and Legal, to ensure monitoring climate change through various mechanisms. These
and coordination between business lines and other include but are not limited to financing sustainable
departments in implementing RAKB runs well. projects, offering financing products that promote
Meanwhile, the implementation of sustainability green initiatives, and climate risk management.
strategies in each business line and its supporting Bank BTPN has played an active role at integrating
functions is carried out by the Daya & Sustainability climate-related risks into the bank’s planning and risk
Development Unit under the Communications and management and financing green portfolios, including:
Daya Head. [OJK E.1]
1. Green transportation;
2. Projects utilizing renewable energy sources;
3. Eco-efficient projects;
4. Green buildings;
5. Management of natural resources and sustainable
land use; and
6. Financing other green business activities.
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development for thermal coal mining.
Bank BTPN has established a resilient strategy (iii) Companies whose primary business is thermal
against climate-related risks in accordance with coal mining or coal infrastructure without
its Sustainability Policy for more selective credit outstanding exposure to the SMBC Group.
provision. Bank BTPN also supports its customers in h. Coal-fired Power Plants ((CFPP)), including:
addressing climate risks by offering green financing (i) Captive (CFPP) for self-consumption.
for sustainable sectors. (ii) New construction or expansion of (CFPP).
(iii) Companies whose primary business is
Bank BTPN’s Sustainability Policy coal-fired power plants without outstanding
[FS1] exposure and loans to the SMBC Group.
Bank BTPN is committed to providing responsible i. Specifically regarding the framework of cooperation
financing by proactively assessing prospective in the use of funds from third parties (e.g., IFC),
customers and establishing policies related to credit Banks may follow the exclusion list imposed by
provision. the third parties.
Various aspects of these policies are also integral to In providing credit facilities to the corporate
the process of identifying climate-related risks. This segment, Bank BTPN also enforces the following
commitment is further emphasized in Bank BTPN’s requirements for debtors:
Sustainability Policy document, wherein the company a. Debtors must possess documentation
declares that it will not finance the following activities: demonstrating compliance with regulations
[TCFD R1] and environmental laws in Indonesia, including
a. Trade in weapons, pornography, or other activities valid business permits and Environmental
contrary to social norms. Impact Assessment (AMDAL) documents for
b. Businesses, companies, or projects that are businesses directly affecting the environment.
expected to significantly harm the environment b. Debtors must have capacity, commitment, and
and/or employ labor that are not legally permitted. good track record on environmental and social
c. Large-scale development or construction aspects.
projects that have a significant impact on the c. Debtors whose main business are in sensitive
habitat of endangered species, without an sectors with substantial potential to impact
appropriate environmental impact assessment or the environment (such as the oil and gas
environmental management plan. industry, mining, energy, and electricity
d. Large-scale development or construction projects sectors) are required to have mitigation plans
that are located or may have significant negative or decarbonization action plans (aimed at
impacts on the sites that are subject to Ramsar reducing greenhouse gas emissions) in their
Wetlands, UNESCO World Heritage Sites, and business activities to align with the goals of the
IUCN (International Union for Conservation of Paris Agreement.
Nature) Category I-IV Protected Areas. d. Debtors must comply with labor standards
e. Projects that are proven violating rights of local equivalent to the ILO Fundamental Conventions
communities or those which operate in locations or at least have complied with relevant labor
of social conflict. For large-scale projects, such as regulations in Indonesia.
hydroelectric power plants and oil and gas mining e. Debtors must commit to uphold human rights
are required to have a permit equivalent to FPIC in accordance with the UN Guiding Principles
(Free, Prior, and Informed Consent). on Business and Human Rights or at least
f. Businesses engaged in deforestation and potential have complied with relevant human rights
involvement in illegal logging or human rights regulations in Indonesia, ensuring that debtors
violations. are not engaged in, causing, or contributing to
g. Coal mining industry: human rights and labor rights violations.
(i) Engaging in mountain top removal (MTR) or
infrastructure development for coal mining Bank BTPN’s Sustainability Policy also governs
using MTR. sector-specific financing, currently encompassing
(ii) Thermal coal mining and infrastructure financing for the palm oil and forestry industries.
For debtors in these sectors, Bank BTPN sets
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specific requirements to ensure that the financing
complies with national and international legal In order to contribute the mitigation and adaptation
and standard parameters related to social and actions related to environmental issues and climate
environmental issues. change, Bank BTPN has developed the following
sustainable finance products, including Green Loan,
a. Palm Oil Social Loan, Sustainability-Linked Loans, ESG Mutual
i. Credit provision to the palm oil industry is Fund and ESG Deposit.
permitted only for plantations that have been
or are expected to be certified to RSPO The implementation of policies, risk management
(Roundtable on Sustainable Palm Oil). and opportunities related to environmental and social
ii. For the palm oil industries (including suppliers issues also relies on the comprehension of stakeholders
and buyers) that do not yet have RSPO related to Bank BTPN’s business operations. For this
certification, but other similar certifications that reason, Bank BTPN conducts communication and
apply in Indonesia, such as but not limited to education for stakeholders on these issues through a
ISPO (Indonesian Sustainable Palm Oil), the range of programs and initiatives, as well as utilizing
Bank will ensure that the industries meet the internal and external communication channels owned
sustainable governance principles according by Bank BTPN, including activities carried out by the
to the main criteria set by the RSPO. This Daya Program through its four program pillars.
does not apply to the provision of working
capital facilities, where ISPO certification is The implementation of policies, risk management
still permitted without measuring the RSPO and opportunities related to climate, environment
criteria. and social issues also depends on the understanding
b. Forestry of customers and partners. For this reason, Bank
i. Support to forest management businesses is BTPN communicates and educates its customers on
only permitted for businesses that have been, sustainability issues [FS5]. One of the interactions with
or are expected to be, certified by Forest customers was the holding of a Sustainability Seminar
Stewardship Council (FSC) or Program for the on 12 October 2023 on the topic of “Addressing
Endorsement of Forest Certification (PEFC). Climate Change through Decarbonization Initiatives
ii. For plantations of 10,000 hectares or more, across Wider Business Sectors” with the title “Beyond
the Bank will confirm that the customers have Energy Transition: Seizing Opportunities in the Pathway
a public announcement of compliance with to Net Zero Economy”. The seminar was attended by
No Deforestation, No Peat, No Exploitation at least 200 invited guests from 60 companies.
(NDPE) Commitment. If there is no NDPE
public announcement, the Bank will confirm Bank BTPN also held an Economic Outlook 2024 with
the customers’ compliance with NDPE the headline “Navigating through 2024: Strategies
by conducting an interview and review for Resilience and Growth” at the Grand Ballroom of
the customers’ plans for the NDPE public Hotel Indonesia Kempinski, Jakarta on November 22,
announcement. 2023. At this event, Bank BTPN also launched the
latest product innovation, ESG Deposit.
The above policies are set by the Board of Directors
to be implemented by each relevant work unit, In addition, Bank BTPN also organized three webinars
including the Credit Committee, Credit Admin, Risk on the topic of sustainable business and human
Management, and other work units. rights for its partners with the aim of increasing
their understanding and supporting Bank BTPN in
In the reporting year, Bank BTPN screened all sustainable governance. This activity was attended by
(100%) assets in the financing process to ensure that 332 participants from 190 companies.
prospective debtors have fulfilled all environmental
and social provisions. Bank BTPN prioritizes In the reporting year, Bank BTPN interacted with
financing related to climate change management, 450 debtors/companies or 13.6% of its portfolio on
environmentally friendly business, and social environmental and social issues. [FS10]
financing. [FS11]
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Environmental and Social Risk financing, as well as ensuring compliance with
Assessment Procedures credit-related regulations and laws. Additionally,
[OJK E.3][FS2] [FN-CB-410a.2] [TCFD R2] the Board of Directors is responsible for regularly
Bank BTPN conducts an assessment process to reporting to the Board of Commissioners on
manage environmental and social risks. The following the progress of the Sustainability Policy’s
steps outline the procedures for decision-making and implementation.
risk management, integral components of Bank BTPN’s 4. The Credit Committee conducts an assessment
overall risk management framework. [TCFD R3] to verify that the prospective debtor is not part
1. Bank BTPN reviews ownership of debtor’s of a prohibited target market, meets the ESG
business licensing documents in accordance with criteria set (stated above), and has met the Risk
the regulations of the Minister of Environment Acceptance Criteria.
and Forestry of the Republic of Indonesia No. 05 5. Bank BTPN evaluates the provided collateral,
of 2012 and its amendments (if any) regarding considering its condition upon receipt and during
Environmental Impact Assessment (AMDAL). subsequent re-evaluations. Bank BTPN ensures
This includes the requirement to adhere to an that the environmental risk associated with the
Environmental Management Plan (RKL) and an collateral does not pose a hindrance or burden to
Environmental Monitoring Plan (RPL) as stipulated the bank, meaning that the value of the collateral
in the relevant AMDAL Document. [TCFD R1] does not become negative upon its sale.
2. The Board of Commissioners plays a role in 6. Bank BTPN conducts periodic visits to debtors
supervising the risk management activities of for supervision and guidance. The results of
the Board of Directors, including approving the these visits are reported in call reports. Topics
Sustainability Policy. This policy incorporates discussed include the overall condition of the
provisions related to green and social financing. debtor’s business, including compliance with
The Board of Commissioners also has the environmental aspects of regulations. These
authority to request explanations or hold the interactions are carried out by departments in
Board of Directors accountable in case of any each business line.
deviations from the Sustainability Policy. 7. Bank BTPN monitors debtors’ compliance with
3. The Board of Directors is tasked with developing environmental regulations, as stipulated in the
and executing the Sustainability Policy, which Corporate Banking SOP and its addendum. This
encompasses provisions for green and social is part of Bank BTPN’s efforts to contribute to
climate change mitigation and adaptation efforts.
8. Environmental and social risk aspects are one of
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the assessment points in the initial credit proposal In order to ensure compliance with the implementation
and are periodically monitored through annual of these provisions and requirements, Bank BTPN
credit monitoring. Issues/cases identified during conducts evaluations of the financing provided on a
the assessment are taken into account in the credit regular basis, at least once a year.
approval process.
As part of SMBC Group, Bank BTPN strengthens its
Bank BTPN also takes into account relevant sustainability commitment to support SMBC Group’s
climate change regulations, such as Presidential target to achieve Net Zero Emission (NZE) by 2030 for
Regulation 59/2017 and POJK 51/2017 related to the Bank’s operational activities; and 2050 for the NZE
the implementation of the UN SDGs and sustainable target for the Loan and Investment Portfolio.
finance, as well as the obligation of the Ministry
of Environment and Forestry (KLHK) to conduct As part of its commitment to sustainability, Bank BTPN
environmental impact assessments of debtors’ has adopted the Equator Principles as a guideline
business. [TCFD R1] for making credit decisions. The Equator Principles
serves as a risk management framework for financial
In the corporate segment, Bank BTPN takes into institutions, enabling them to assess, manage, and
account the findings of Environment and Social (E&S) forecast environmental and social risks associate
Screening and Review in making financing decisions. with financing debtors. Bank BTPN implements the
Bank BTPN may propose E&S-related covenants to principles through the following approaches:
be included in the loan agreement for the relevant 1. Bank BTPN has developed and implemented
project. [TCFD R3] procedures to access and categorize the social
and environmental risks of the business sector,
supported by consultations with SMBC, which
Process of Monitoring the provides insights into these aspects in applied risk
Implementation of Environmental management.
and Social Compliance [FS3] 2. Bank BTPN incorporates clauses in loan
Bank BTPN ensures the health of its credit portfolio by agreements to monitor corporate debtors’
conducting thorough credit monitoring. This monitoring compliance with environmental regulations.
is tailored to deliver a thorough understanding of the This enables Relationship Managers, acting as
dynamics of the credit authorization process, the representatives of the bank, to conduct on-site
journey of the credit, and the development of the inspections during periodic visits. These clauses
debtor’s business from the time the credit is granted are established in accordance with internal
until it is settled. Furthermore, credit monitoring also provisions concerning social and environmental
aims to ensure that debtors adhere to environmental risks, as well as the Equator Principles.
and social regulations. The activities conducted 3. Bank BTPN strengthens collaboration with other
include: Equator Principles signatory institutions, including
1. Monitoring the execution of credit approval. through financing initiatives.
2. Monitoring the development of the debtor’s 4. Bank BTPN retains the right to review credit
business. extensions in the event of discrepancies with the
3. Monitoring debtor compliance with environmental, credit agreement.
social and governance regulations and other
regulations.
Performance of Bank BTPN
Bank BTPN is committed to providing responsible Bank BTPN has recorded positive achievements in
financing by proactively assessing prospective accordance with the ongoing economic growth in
customers and establishing policies related to credit Indonesia in the reporting year, as depicted in the
provision. following table:
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Comparison of Production Targets and Performance, Portfolio, Financing Targets, or
Investment, Income, and Profit and Loss [OJK F.2]
Description 2023 2022 2021
SUMMARY OF BALANCE SHEET (in Million Rupiah)
Total Assets 201,448,392 209,169,704 191,917,794
Productive Assets 197,325,929 204,169,669 187,244,094
Credit/Bank Financing 156,561,297 146,123,516 135,598,774
Third-Party Fund 108,198,576 114,866,548 109,380,130
Loans Received 34,283,897 48,025,106 37,615,236
Securities Issued 200,569 200,134 996,089
Total Liability 160,165,288 169,756,680 155,838,867
Total Equity 41,283,104 39,413,024 36,078,927
SUMMARY OF PROFIT AND LOSS (in Million Rupiah)
Net Interest Income 12,044,063 11,678,315 11,143,040
Other Operating Income 2,073,443 2,012,615 1,959,784
Operating Expenses (7,606,552) (7,193,087) (6,982,870)
Allowance for Impairment Losses (3,049,919) (1,840,167) (2,111,776)
Net Operating Income 3,461,035 4,657,676 4,008,178
Net Profit for the Current Year 2,682,484 3,629,564 3,104,215
Total Comprehensive Income 2,700,832 3,474,962 3,182,819
Bank Operating Income 14,117,506 13,690,930 13,102,824
Net Income of the Bank 2,682,484 3,629,564 3,104,215
PERFORMANCE RATIO
Minimum Capital Sufficiency Ratio 29.90% 27.29% 26.17%
Non-performing earning assets and non-earning assets to 0.68% 0.68% 0.78%
total earning assets and non earning assets
Non-performing earning assets to total productive assets 0.68% 0.68% 1.26%
Allowance for impairment of financial assets to total 2.46% 1.85% 2.18%
productive assets
NPL gross 1.36% 1.43% 1.68%
NPL net 0.40% 0.44% 0.37%
Return on Assets (ROA) 1.73% 2.36% 2.23%
Return on Equity (ROE) 6.54% 9.15% 8.57%
Net Interest Margin (NIM) 6.45% 6.32% 6.56%
Rasio Efisiensi (BOPO) 83.72% 75.05% 76.01%
Loan to Deposit Ratio (LDR) 142.68% 126.66% 123.10%
LIQUIDITY COVERAGE RATIO (LCR) VALUE
a. LCR (individual) 177.57% 220.55% 172.10%
b. LCR (consolidated) 199.68% 229.30% 187.26%
Notes:
- The data included in the table above is the consolidated financial data of Bank BTPN, which includes two other subsidiaries, PT Bank BTPN Syariah Tbk (with 70%
shareholding) and PT Bank Syariah Ventura (with 69.3% indirect ownership through PT Bank BTPN Syariah).
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Comparison of Economic and Financial Performance Related to Sustainability
Description 2023 2022 2021
ECONOMIC PERFORMANCE RELATED TO SUSTAINABILITY (OJK B.1)
Types of products that meet the 2 funding products (esg 2 funding products, 2 funding products,
criteria for sustainable business mutual fund, esg deposit) 2 green financing 2 green financing
activities 3 sustainability financing products, 1 MSME product, 1 MSME
products (sustainability- financing product financing product
linked loan, green loan,
social loan)
1 msme financing product
Nominal products and/or 13,774,741 12,968,409 12,029,029
services that meet the criteria for
sustainable business activities (in
Million Rupiah)
Percentage of total portfolio of sustainable business activities to total portfolio (%)
a. Funding 0.11% 0.06%* 0.20%*
b. Financing 9.5% 9.6% 10%
INCLUSIVE FINANCIAL PERFORMANCE
Development of digital access through Jenius **
Developed features 4
Number of Jenius Customers 4,497,649
Total transaction 113,812,489
Note:
1) * Funds came from the Filantropi Mutual Fund & BTPN Wow!
2) ** In the reporting year, BTPN Wow! was replaced by the digital-based Jenius product, allowing banking activities to be expanded to all regions and community
segments. Therefore, the data for the years 2021 and 2022 are not included in this report, considering that during those years, BTPN Wow! was still in use.
3) With digitalization and internet technology advancement, marginalized and remote communities now have access to the required banking services. Nevertheless,
Bank BTPN cannot distinguish between people based on their situations and locations, as these factors have become irrelevant with digitalization enabling outreach
to people anywhere and anytime. [FS13] (Note: The GRI Financial Services Sector was published in 2008 when digital banking was non-existent. Hence, the
disclosure requirements did not encompass provisions for unlimited digital banking).
Comparison of Production Target and Performance, Portfolio, Financing Target, or Investment, Income and
Profit and Loss
Comparison of Financing Comparison of Operating Comparison of Profit/Loss
Target and Realization Income Target and Target and Realization
Year (in Million Rupiah) Realization (in Million (in Million Rupiah)
Rupiah)
Target Realization Target Realization Target Realization
2023 160,131,042 156,561,297 14,231,912 14,117,506 2,825,729 2,682,484
2022 145,598,552 146,123,516 13,669,569 13,690,930 3,237,726 3,629,564
2021 138,257,407 135,598,774 12,673,670 13,102,824 2,439,234 3,104,215
Notes:
- The data included in the table above is the consolidated financial data of Bank BTPN, which includes two other subsidiaries, PT Bank BTPN Syariah Tbk (with 70%
shareholding) and PT Bank Syariah Ventura (with 69.3% indirect ownership through PT Bank BTPN Syariah).
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Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Financial
Instruments or Projects that Align with Sustainable Finance [OJK F.3]
Comparison of Green and Social Portfolio Targets and Realization (in Million Rupiah)
Year Target Realization
2023 14,997,830 13,774,741
2022 14,947,214 12,968,409
2021 9,987,164 12,029,029
Percentage of Business in the Green and Social Portfolio
[FS10] [OJK F.26]
In an effort to promote sustainable financing, Bank BTPN offers financing for a range of environment related
initiatives.
In the reporting year, Bank BTPN disbursed financing of Rp 7,68 trillion to 14 green activities. This sum accounts for
7.32% of Bank BTPN’s total Corporate Banking credit portfolio of Rp105 trillion. The financing is facilitated through
Bank BTPN’s sustainable finance products, including Green Loan, Social Loan, Sustainability-Linked Loans.
In addition, Bank BTPN offers financial assistance to Micro, Small, and Medium Enterprises (MSMEs), which
significantly influence the nation’s overall economy. This financing not only boosts local economic development
but also generates new employment opportunities and promotes financial inclusion. The social sector credits,
totaling Rp6.1 trillion, make up 4% of Bank BTPN’s total financing.
Sustainable Financing Portfolio (In Miliion Rupiah) [OJK F.3][FS7][FS8]
Proportion of Sustainable
Description 2023 Financing to Total 2022 2021
Bank Financing
Funding 109,791 - 62,582 195,625
Financing 13,774,741 - 12,968,409 12,968,409
Renewable energy 1,141,797 0.8% 1,984,475 1,828,909
Energy Efficiency 396,952 0.3% 518,552 582,239
Management of natural biological 4,801,831 3.3% 3,332,209 2,295,725
resources and sustainable land use
Green transportation 122,344 0.1% 331,959 427,217
Products that can reduce resource 660,000 0.5% - -
usage and generate less pollution
(eco-efficient)
Green buildings that meet 560,000 0.4% 760,000 1,060,000
nationally, regionally, or
internationally recognized
standards or certifications
MSMEs Activities 6,091,816 4.2% 6,041,214 5,834,936
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Business Portfolio by Sector and Size [FS6]
Bank BTPN offers financing to debtors complying with environmental and social regulations. The following is the
financing according to sector and size. The environmental assessment procedures can be found on page 61 under
the topic of Environmental and Social Screening Procedures. However, Bank BTPN does not provide regional
breakdowns as it exclusively operates in Indonesia. Bank BTPN also does not classify savings and checking
accounts based on personal and business accounts. [FN-CB-000.A]
Financing by Business Segment/Sector and Size (in Million Rupiah)
[FN-CB-240a.1][FN-CB-000.B]
2023 2022 2021
Description
Total Value Total Value Total Value
Corporate and Commercial 2,418 104,904,359 2,204 97,450,293 2,236 85,936,309
Retail Lending 391,016 22,403,012 422,173 23,989,672 472,375 27,364,293
Micro 34,044 1,306,173 21,433 743,076 4,226 489,268
Small and Medium 5,414 13,255,054 4,644 11,257,389 4,651 10,702,612
Enterprises
Joint Finance 161,533 1,138,955 34,454 145,699 33,804 201,529
Jenius 604,181 2,049,171 303,867 886,694 135,583 325,337
Others 2,395 116,713 2,591 123,300 2,899 135,957
Total 1,201,001 145,173,437 791,366 134,596,053 655,764 125,155,305
Note:
- There are data adjustments following business unit changes.
In the reporting year, MSME loans that encountered delays/defaults amounted to Rp404.5 billion and the NPL was
7%. [FN-CB-240a.2]
Conventional Financing by Business Segment (in Million Rupiah) [FN-CB-410a.1]
Description 2023 2022 2021
Household 25,789,367 25,244,414 28,033,763
Trading 18,889,593 18,208,371 16,803,625
Industry 32,871,116 34,576,505 27,852,380
Other services 33,503,307 27,500,978 22,258,313
Agriculture 3,989,350 5,642,226 6,585,951
Accommodation services 184,386 127,611 142,577
Construction 5,844,721 5,933,424 5,593,954
Transportation and Communication 12,925,039 7,471,934 8,440,046
66 Sustainability Report 2023 PT Bank BTPN Tbk
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Green Economy
Innovation
Description 2023 2022 2021
Mining 6,028,609 5,460,463 4,011,595
Others 5,147,948 4,430,127 5,433,101
Total 145,173,437 134,596,053 125,155,305
Internal Audit of Environmental and Social Policy Implementation, and Risk
Assessment Procedures [FS9]
Bank BTPN employs an evaluation method using an environmental and social audit system. The main objective
is to assess the company’s operational suitability and performance in accordance with environmental and social
regulations, as well as to identify potential risks that could impact environmental and social sustainability. This
assessment serves not only as an evaluation but also as a preventive measure to ensure that the company
consistently complies with high environmental and social standards.
Furthermore, Bank BTPN conducts credit inspections for the wholesale and commercial segments through
the company’s Internal Audit team, as stipulated in the Annual Audit Plan. This audit process encompasses an
assessment of compliance with environmental and social policies, along with an assessment of risks in accordance
with the Equator Principles.
The findings of the audit on credit disbursement and project financing are communicated to the relevant business
units. Follow-up actions will be initiated if the audit findings reveal a necessity for improvement or adjustment.
ECONOMIC VAluE GENERATEd ANd dISTRIBuTEd [GRI 201-1] [OJK B.1]
In the reporting year, Bank BTPN recorded a consolidated net profit of Rp2.68 trillion. This surge in revenue not only un
derscores the bank’s business triumph but also paves the way for a more substantial positive influence on society an
d the broader economy. It’s worth noting that Bank BTPN accomplished this without relying on any subsidies or financi
al aid from the government as it continues to develop its business.
[GRI 201-4]
Distribution of Economic Value Acquisition (in Million Rupiah)
Description 2023 2022 2021
Direct Economic Value Generated
Interest and Sharia Income 18,815,673 15,899,646 14,748,604
Other operating income (net) 1,483,729 1,484,485 1,395,381
Total direct economic value generated 20,299,402 17,384,131 16,143,985
Direct Economy Value Distributed
Operational Expenses 3,273,766 3,272,015 3,065,316
Employee salaries and allowances 3,756,478 3,403,319 3,364,534
Interest expenses and Syirkah funds profit sharing 6,771,610 4,221,331 3,605,564
Payment of Dividends 619,140 - -
Payments to Government (Income Tax and Value Added Tax) 860,831 813,530 861,017
Sustainability Report 2023 PT Bank BTPN Tbk 67
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Description 2023 2022 2021
Distribution of CSR Funds 2,879 3,468 4,271
Total economic value distributed 15,284,704 11,713,663 10,900,702
Total Retained Economic Value 5,014,698 5,670,468 5,243,283
Note:
• There are data adjustments following business unit changes.
• The data included in the table above is the consolidated financial data of Bank BTPN, which includes two other subsidiaries, PT Bank BTPN Syariah Tbk (with 70%
shareholding) and PT Bank Syariah Ventura (with 69.3% indirect ownership through PT Bank BTPN Syariah).
The Bank’s Approach TO tHE creative solutions to sustainable finance. Bank BTPN’s
Challenges Related to Sustainable commitment is also shown in the RAKB that has been
Finance [OJK E.5] prepared.
The implementation of sustainable finance presents
several challenges to be addressed, including: Additionally, Bank BTPN engages in diverse
• Uncertainty of risks. Sustainable finance communications concerning sustainable finance
encompasses a range of factors, including shifts with its employees and other stakeholders. These
in government policies, fluctuations in energy efforts are aimed at enhancing their comprehension.
prices, crop failures, or delays in mining jobs due Throughout the reporting year, Bank BTPN developed
to climate change. Bank BTPN addresses these three educational posters and wallpapers, which
challenges by effectively managing these risks were disseminated through internal communication
within a comprehensive risk management system. channels (BTPN INFO, Vibes, Portal Kita) as well as via
• Lack of awareness. Not all stakeholders, an external platform (Instagram).
customers, partners, and employees are fully aware
of the significance of integrating sustainability into
their businesses and activities. Consequently, Supply Chain [GRI 2-6]
Bank BTPN aims to bolster their knowledge and In its operations, Bank BTPN relies on a supply chain
understanding through a variety of educational comprising businesses integral to its operations.
initiatives, including seminars and webinars. Bank BTPN has embraced a sustainable approach
• Collaboration and partnerships. To achieve a to managing its supply chain by engaging external
substantial positive impact, the implementation service providers for security, customer service, and
of sustainable finance necessitates collaboration teller services. This decision was made to ensure that
across diverse industries and partnerships with all procurement processes adhere to strict ethical
the government and other stakeholders. Therefore, standards and comply with Bank BTPN’s guidelines.
Bank BTPN engages in collaborations with various
parties to cultivate sustainable products and During the reporting year, all suppliers (100%) within
services. Bank BTPN’s supply chain underwent a thorough
• Long-term investment and short-term performance assessment process based on social criteria. One of
pressure. Certain sustainable financial practices the measures taken is the implementation of Human
indeed yield long-term impacts, yet the financial Rights compliance screening for vendors and suppliers.
industry frequently faces pressure to deliver To ensure and enhance compliance, Bank BTPN also
short-term results. This necessitates a paradigm conducts annual sustainability seminars for vendors.
shift, not only for Bank BPTN but also for other
stakeholders. Therefore, Bank BTPN advocates By meeting these social criteria, Bank BTPN
for sustainability education alongside the launch demonstrates its commitment to responsible business
of innovative products and services. practices and its positive contributions to sustainable
development. Consequently, no suppliers have been
Bank BTPN is optimistic about building sustainable identified as having negative social impacts.
finance, and works closely with various parties to find [GRI 414-1] [GRI 414-2]
68 Sustainability Report 2023 PT Bank BTPN Tbk
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In addition to the supply chain, Bank BTPN also Bank BTPN has established standard operating
engages with other goods and services providers, procedures (SOP) for taxation to guide the
totaling 273 suppliers and a procurement value of implementation of the company’s tax rights and
Rp667,471,972,303. Bank BTPN ensures that the obligations. These procedures encompass the
selection process is transparent through the purchase identification, management, and monitoring of
requisition (PR) process, selection process, and operational risks, including tax risks. Each business
issuance of work orders (SPK), all managed with unit and functional line contributes to the identification,
high accountability. In an endeavor to save costs management, and oversight of the company’s tax
and reduce emissions, Bank BTPN prioritizes the risks.
procurement of goods and services from the provinces
where it operates. This commitment also promotes This is essential for mitigating potential tax risks
national economic equality and strengthens the local associated with all business activities and company
economy. The proportion of expenditure on local transactions. The evaluation of tax governance and
suppliers throughout 2023 was 99.6%. [GRI 204-1] controls for compliance is conducted through regular
assessment procedures and the implementation
of tax governance protocols. Bank BTPN enforces
TAX tax-related assurance processes through a review
Approach to Tax [GRI 207-1] mechanism, including assessments stemming
from internal or external reviews and audits of tax
Bank BTPN views taxes as a crucial funding source
obligations implementation.
for national development. As a significant contributor
to state revenue, taxes play a pivotal role in propelling
Bank BTPN is committed to upholding its integrity in
infrastructure development, enhancing public
the execution of tax rights and obligations. Therefore,
welfare, and serving as a vital tool in economic policy
Bank BTPN requires all employees, particularly those
formulation. Consequently, Bank BTPN is committed
with tax-related responsibilities, to sign an Integrity
to consistently and sustainably upholding its rights
Pact stating their commitment to integrity as outlined
and obligations in taxation in compliance with the
in the Bank BTPN Code of Conduct. To ensure its
prevailing tax laws and regulations.
implementation, Bank BTPN provides a channel for
reporting violations. Non-compliance with the Bank
The Tax Management Division oversees the
BTPN’s Code of Conduct., including those related to
implementation of tax compliance strategies and
taxes, may result in internal sanctions for the relevant
obligations within Bank BTPN, with periodic review
employees.
and approval by the Finance Director. This review is
crucial, particularly in the event of significant changes
Stakeholders and Tax Compliance
in tax regulations that could impact the company.
[GRI 207-3]
Specifically, Bank BTPN fulfills its tax rights and
obligations in accordance with the prevailing tax laws Bank BTPN believes it is crucial to actively cultivate
and regulations. positive relationships founded on openness and
transparency with the key stakeholders in the taxation
Tax Risk Management and Governance sector, particularly the government through the tax
[GRI 207-2] authorities. Bank BTPN is committed to complying
with all tax laws and regulations to maintain and
Tax management at Bank BTPN is under the enhance its credibility. Furthermore, Bank BTPN’s
responsibility of the Finance Director and the Tax tax-related policies and strategies are developed with
Management Division. This division is tasked with input from stakeholders in the taxation field, including
implementing and supervising the company’s tax tax authorities, the Financial Services Authority (OJK),
strategy, ensuring its execution by the relevant and the Banking Industry Association.
units within the business and functional lines.
Acknowledging the significance of taxes, Bank BTPN Bank BTPN operates exclusively in Indonesia, thus
fosters awareness of tax rights and responsibilities tax reports are solely prepared for the Indonesian
across all business and functional lines within the authorities.[GRI 207-4]
company.
69
Page 76
PRODUCT
AND SERVICE
EXCELLENCE
IN SUPPORTING
SUSTAINABILITY
Bank BTPN is committed to driving the
transition towards a green economy
by providing support to initiatives
and projects that focus on efforts to
improve environmental sustainability
and climate management.
70 Sustainability Report 2023 PT Bank BTPN Tbk
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Products and Services Excellence in
Supporting Sustainability
Sustainability Report 2023 PT Bank BTPN Tbk 71
Page 78
As a bank committed to sustainability, Bank BTPN offers innovative products and services that support various
sustainability initiatives, including environmental project financing and climate management. In 2023, Bank BTPN
has launched ESG Deposit products to help corporate customers transition to a green economy and realize their
sustainable initiatives through deposit products which strategically allocated for initiatives, projects, and activities
that contribute to supporting sustainable development activities within ESG corridors. In addition, Bank BTPN also
provides financing support for Micro, Small and Medium Enterprises (MSMEs).
BANK BTPN’S PRODUCTS
[GRI 2-6] [OJK C.4]
JENIUS • Digital Micro Loan (unsecured loan)
1. Installment Loan
• Jenius Application • People’s Business Credit (KUR)
• Savings (Flexi Saver, Dream Saver and Foreign
Currency) C. Joint Finance/indirect Finance
• Term Deposit (Maxi Saver) • Joint Finance
• Bill Payment • Channeling
• ATM Card/Debit Jenius
• Transfer (RTOL, SKN, RTGS, BI FAST &
•
Remittance)
Top-up e-Wallet
BUSINESS BANKING
• Loan (Flexi Cash) A. Generic Products
• Jenius Pay • Overdraft Loan
• Jenius QRIS • Demand Loan
• Moneytory • Term Loan/Installment Loan
• Sinaya Prioritas on Jenius B. ABF (Asset Based Financing)
• Mutual Funds C. BPR Financing
• Jenius Credit Card D. Giro Bisnis
• Jenius Paylater E. Giro Mitra
• Foreign Currency (FCY) F. Giro Karya
RETAIL LENDING TRANSACTION BANKING
BUSINESS AND SUPPLY CHAIN
A. Pension Business A. Cash & Digital Solution
• Pension Loan • Current Account & Term Deposits
• Pre-Pension Loan • Payment (SKN/RTGS, Payroll, Telegraphic
• Active Employee Loan transfer, Prima/Bersama)
• Pension Saving (Tabungan Citra Pensiun) • E-Tax Payment (non-import and import taxes)
• Collections (SKN/RTGS, Payroll, Telegraphic
B. Micro-Businesses transfer, Cheque/Cash Deposit, Giro)
• Business Partner Saving • Virtual Account
• Deposit-Equivalent Saving • Internet Banking/ Host to Host
• Maxi Micro Loan (secured loan): • Liquidity Management (Domestic Cash Polling,
1. Current Account Loan) Auto TD Placement, Cross Border Pooling)
2. Installment Loan • Auto Debit
3. Term Loan
72 Sustainability Report 2023 PT Bank BTPN Tbk
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Produk dan Layanan Unggulan dalam
Mendukung Keberlanjutan
Bank BTPN not only offers financial solutions to meet customer needs but also prioritizes digital innovation across
all of our products and services. By concentrating on digital technology, Bank BTPN aims not only to provide
a better customer experience but also to reduce negative environmental impact through operational efficiency.
Therefore, our products and services not only reflect our concern for society and the environment but also deliver
relevant and sustainable solutions for our customers’ financial needs.
B. Trade
• Import & Export Letter of Credit & SKBDN
WEALTH MANAGEMENT
• Import & Export Bill Collection BUSINESS
• Import & Export Documentary Collection
• Bank Guarantee & SBLC & Counter A. Wealth
Guarantee • Mutual Funds
• Trade Loan & TR • Bancassurance
• Foreign Bills Bought & Forfaiting • Government Bonds
• Account Receivable Purchase B. Liabilities & Sinaya Prioritas
• Import Avalization & LC Confirmation • Sinaya Savings (Rupiah, Foreign
• BL Endorsement & Shipping Guarantee Currency, Business)
• Time Deposit (Rupiah, Foreign Currency,
C. Supply Chain Flexi, On Call)
• Supply Chain Financing (Distributor • Checking Account (Rupiah, Foreign
Financing/ Supplier Financing) Currency)
• Lending Program • Sinaya ATM/Debit Card
• Safe Deposit Box
• Sinaya Prioritas
TREASURY
• Foreign Exchange CORPORATE/
•
•
Derivatives
Money Market
WHOLESALE BANKING
• Fixed Income A. Hedging Products
IRS/CCS and foreign exchange transactions
B. Loan Product
• Bilateral and Syndicated Loans (IDR, USD
and, JPY)
• Working Capital Loan
• Investment Loan
• Project/Structured Finance
• Export Credit Agency (ECA)
• Sustainability-linked Loan
• Green Loan
• Social Loan
• Other Loans
C. Funding Product
ESG Deposit
Sustainability Report 2023 PT Bank BTPN Tbk 73
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Stakeholders, including customers and regulators, functional offices, ATM networks, and non-branch
appreciate Bank BTPN’s products and services. These networks. Additionally, the bank offers digital services
offerings have no detrimental social or direct negative to ensure convenient and fast access, in response to
environmental impacts. To guarantee that all of Bank the development of information technology and the
BTPN’s products, services, and portfolios adhere community’s transition into the digital era.
to environmental and social standards, the bank
employs thorough scrutiny and screening processes. As part of this development, Bank BTPN made decision
[OJK F.28] [OJK B.3] to cease 12 branch offices in various regions during
the reporting year. To maintain high quality customer
service, Bank BTPN added 2 ATMs networks in 2023
FLAGSHIP PRODUCTS and optimize 8 ATMs in more potential locations.
JENIUS
In addition, Bank BTPN is committed to ensuring
Bank BTPN offers excellent digital products tailored to
accessible facilities for customers with disabilities.
the tech-savvy generation, Jenius. Jenius empowers
This commitment is reflected in the design of its head
customers to carry out all banking activities digitally,
office and branches, which feature ramp pathways to
from opening an account to managing their finances.
facilitate the mobility of customers using wheelchairs.
With Jenius’ life finance solutions, customers can
Additionally, Bank BTPN’s ATMs have been outfitted
effortlessly manage their finances, including bill
with special markers on the number 5, enter, clear, and
payments, money transfers, setting up savings,
cancel buttons to assist individuals with disabilities.
allocating funds, and segregating funds for savings
[FS14]
and daily transactions.
Jenius offers a range of savings programs that cater
QUALITY PRODUCTS AND SERVICES
to different needs, offering flexibility, varying time
[FS15][OJK.F.27]
periods, and desired interest rates. Moreover, Jenius’
moneytary feature automatically tracks cash flow, Bank BTPN’s commitment to delivering top-notch
enabling customers to promptly and effortlessly products is realized through a commitment to ensuring
access a summary of their financial status. These that Bank BTPN’s products and services comply with
innovative Jenius features embody a smart, user- applicable regulations. This ensures that all of Bank
friendly, and secure banking revolution. BTPN’s products and services are developed in a
safe, fair, and responsible manner, meeting the needs
Jenius is an excellent product that embodies a of the community.
Customer-Centric and Science-Based approach,
designed and developed through extensive research Bank BTPN adheres to the guidelines set by the
to tailor the product to the needs and behaviors of its OJK under OJK Regulation No. 42/POJK.03/2017
consumers, particularly the millennial generation, both concerning the Obligation to Prepare and Implement
in terms of features and experience. Credit or Financing Policies for Commercial Banks.
Furthermore, all products and services undergo a
In its operations, Jenius actively contributes to comprehensive examination process, including:
Bank BTPN’s sustainability initiatives. By embracing
digitalization, Jenius effectively minimizes the reliance 1. Alignment of products with Bank BTPN’s vision
on paper within Bank BTPN’s banking services. and mission.
Furthermore, Jenius’ digital services play a pivotal 2. Alignment of products and services with the needs
role in curbing emissions associated with customer and capabilities of customers.
mobility, which would otherwise occur when visiting 3. Taking into account environmental issues,
Bank BTPN’s branches for banking needs. This is including nature conservation initiatives, climate
made possible by enabling customers to access change mitigation, and environmental risk
all services digitally from any location with internet management (for instance, waste disposal, and
connectivity. pollution management), Bank BTPN sets forth
specific requirements pertaining to environmental
risks, which must be outlined by the Business Unit
ACCESS DEVELOPMENT in the loan approval process.
4. Taking into account social issues, such as
In order to enhance public access to financial services,
extending credit and offering various training
Bank BTPN offers a range of facilities, including
programs to SMEs.
head offices, branch offices, sub-branch offices,
74 Sustainability Report 2023 PT Bank BTPN Tbk
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Products and Services Excellence in
Supporting Sustainability
5. Providing information based on the principle of These efforts have yielded positive outcomes, as there
transparency, Bank BTPN ensures that all products have been no product withdrawals and no reports of
and services offered to customers come with a non-compliance with economic and social regulations.
summary of information about the product at the [GRI 419-1] [OJK F.17] [OJK F.29] [OJK F.27]
time of the offer and/or the signing of the credit
agreement. The summary of product provisions
provided by Bank BTPN adheres to relevant OJK IMPROVING SERVICE QUALITY
regulations, including those related to Consumer Service Quality Policy
Protection. Bank BTPN has implemented a range of
6. Ensuring that each product has undergone comprehensive policies to deliver top-notch service
comprehensive examination: to its customers. One such policy is the establishment
a. Risk Management Review, related to eight of a Service Level Agreement (SLA), serving as
types of risks: credit risk, market risk, liquidity the service standard and reference for Bank BTPN
risk, operational risk, strategic risk, compliance to meet customer requests and address issues.
risk, reputational risk, and legal risk; Regular evaluations are also carried out to ensure
b. Compliance Test Review; the compatibility of the established SLA with the
c. Operational Review; relevant work processes, aiming to provide the best
d. Financial Review; service in line with customer needs and expectations.
e. IT Review; Customer satisfaction is considered a key factor in the
f. And reviews related to sustainability aspects. advancement of Bank BTPN’s business.
7. Ensuring that all products have obtained approval
from relevant parties as regulated in Bank BTPN’s Customer Complaint Handling
Product and Service Policy, supported by
Bank BTPN is committed to delivering excellent
standard procedures and adequate infrastructure,
and responsive service to all customers. In handling
including Human Resources (HR) with the required
customer complaints, the bank has implemented
certification, as well as a Business Continuity Plan
an integrated procedure, supported by the use
(BCP) in place.
of Customer Relationship Management (CRM)
8. Bank BTPN ensures that products requiring
applications to record, monitor and manage all
approval from regulators are only launched
complaints received through various available
after obtaining the necessary approval from the
channels.
regulator.
Each complaint received through our communication
Bank BTPN is committed to providing safe, fair,
channels, including telephone, email, and social
and responsible products. For this reason, the
media, is promptly and accurately identified and
bank ensures this through regular supervision and
recorded. These complaints are then followed up in
evaluation carried out by its Internal Audit Division.
accordance with the relevant work processes and SLA
to offer the best possible solution to the customer.
Sustainability Report 2023 PT Bank BTPN Tbk 75
Page 82
Bank BTPN also conducts thorough and comprehensive evaluations of the issues faced by customers. This is
aimed not only at resolving the complaints but also at preventing similar problems from occurring in the future.
Bank BTPN ensures that its complaint handling practices comply with the regulatory standards enforced in the
banking sector. In the reporting year, Bank BTPN received 64,935 complaints, of which 97% were resolved within
the reporting year.
Complaint Handling 2023 [OJK F.24]
Unresolved
Resolved Complaints*) Complaints in Process**)
Types of Financial Complaints ***) Total
No.
Transactions Complaints
Total Percentage Total Percentage Jumlah Persentase
1 Deposits 26 100% 0% 26
2 Giro 66 99% 1 1% 67
3 Saving Account 174 97% 6 3% 180
4 btpnWOW! 2 100% 0% 2
5 Jenius 4,486 98% 75 2% 4,561
6 Pension Savings 5 83% 1 17% 6
7 Sinaya Savings 30 100% 0% 30
8 btpnWOW! Loan 0% 0% 0
9 Flexi Cash 5,134 98% 113 2% 5,247
10 Pay Later 1,875 99% 10 1% 1,885
11 Split Pay 4 80% 1 20% 5
Working Capital
12 0% 0% 0
Loan
Pension Credit
13 266 95% 14 5% 280
Loan
14 SME Loan 43 93% 3 7% 46
15 SME 2 100% 0% 2
16 ATM 17,427 98% 338 2% 17,765
17 Credit Card 8,175 92% 748 8% 8,923
18 Internet Banking 2 100% 0% 2
19 Mobile Banking 25,162 98% 395 2% 25,557
20 Remittance/Transfer 132 94% 9 6% 141
21 RTGS/SKN 29 100% 0% 29
22 Bancassurance 8 89% 1 11% 9
23 Mutual Fund 112 98% 2 2% 114
24 Join Finance 55 95% 3 5% 58
TOTAL 63,215 97% 1,720 3% 64,935
CUSTOMER PRIVACY PROTECTION customer personal information is in accordance
Bank BTPN places the highest priority on protecting with the prevailing laws and regulations in Indonesia.
customer privacy to uphold public trust, particularly Essentially, Bank BTPN manages information security
among its customers. The bank’s protection of by adhering to risk management principles, including:
[FN-CB-230a.2]
76 Sustainability Report 2023 PT Bank BTPN Tbk
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Products and Services Excellence in
Supporting Sustainability
1. Training and Education for Information Security 2. The implementation of policies and procedures
Awareness for: for managing information security for:
a. Employees: Bank BTPN regularly and a. Employees: Bank BTPN has established
consistently ensures that all its employees policies and procedures for managing
receive ongoing training and education to information security, which encompass
consistently implement sufficient protection procedures and guidelines for employees in
and security measures for the bank’s implementing protection and maintaining the
information and its customers, particularly security of information (including customer’s
their personal information. Furthermore, they personal information).
are also equipped with an understanding of b. Third Parties Collaborating with the Bank:
the policies and procedures necessary to The policies and procedures for managing
protect and maintain the security of customers’ information security extend to third parties
personal information. collaborating with Bank BTPN, in addition to
b. Customers: Bank BTPN regularly and being applicable to employees. In practice,
consistently provides literacy and education Bank BTPN enforces third-party risk
on information security awareness to its management by conducting comprehensive
customers through various communication testing (due diligence), ongoing monitoring,
channels, including email, text messages, incorporating data confidentiality clauses in
and information on the Bank BTPN website contracts, and ensuring the secure disposal
and application. This ongoing process is of information when collaborations with
continuously updated to address the latest third parties come to an end (in accordance
threats, aiming to ensure that customers have with relevant laws and regulations). These
a comprehensive understanding of how to information security policies and procedures
safeguard their personal information while undergo regular review and updates to ensure
conducting banking activities. alignment with applicable laws and regulations.
Sustainability Report 2023 PT Bank BTPN Tbk 77
Page 84
3. Technology Utilization 3. Use of easily understandable Indonesian language;
Bank BTPN consistently updates and employs 4. Use of font size according to regulations;
cutting-edge security technology to safeguard 5. Notification of changes in features or terms and
customer data and thwart unauthorized access or conditions of a product;
data breaches. This includes the use of Data Loss 6. Easy access to up-to-date information for
Prevention (DLP) systems, which restrict access customers and the public;
to external emails, as well as the implementation 7. Explanation of products through personal
of authentication and Multi-Factor Authentication. communication channels for customers;
Additionally, the bank proactively anticipates 8. Services for consumers with special needs.
emerging trends in banking crime and deploys
early detection measures to identify any irregular The products launched by Bank BTPN have undergone
transaction patterns. comprehensive evaluation and are constantly
adjusted to the dynamics of society and the business
4. Collaboration with the Authorities world. Bank BTPN values input and feedback from the
Bank BTPN collaborates with supervisory and public regarding its products and services, aiming to
regulatory authorities (Ministry of Communication improve the quality of products and services in line
and Information Technology, Directorate General with customer needs and expectations.
of Civil Registration and Population, National
Police Criminal Investigation Department, and Bank BTPN is committed to delivering the best
E-Commerce) to ensure the accuracy and security of products and services to its customers while
customer data. This collaboration also ensures that upholding compliance with all relevant regulations
Bank BTPN’s security and privacy protocols adhere in the fields of information, labeling, and marketing.
to applicable legal standards and regulations. The bank consistently strives to manage and follow
up on any incidents related to product and service
In ensuring the security of customer data, Bank communication, as well as marketing, in the best
BTPN enforces stringent and multi-layered possible manner according to applicable provisions
protection. Meticulous processes and well-defined and procedures.[GRI 417-2] [GRI 417-3]
security measures are implemented to ensure
the safety and integrity of customer data. Due to
these precautions, there have been no reports of CUSTOMER SATISFACTION SURVEY [OJK F.30]
personal data breaches or customer data loss in Bank BTPN regularly conducts customer satisfaction
the reporting year. [GRI 418-1] [FN-CB-230a.1] surveys as an integral part of our commitment to
delivering top-notch service. The primary goal of
these surveys is to gauge the level of customer
PRODUCT INFORMATION AND MARKETING satisfaction with Bank BTPN’s products, services, and
Bank BTPN recognizes that providing clear and overall experiences. By comprehending customers’
accurate information about banking products and perspectives and experiences, we can pinpoint areas
services is crucial for enabling customers to make requiring improvement and fortify aspects that have
informed and wise financial decisions. As a result, contributed to satisfaction.
for products launched, Bank BTPN is required to
provide comprehensive, clear, transparent, and easily Customer satisfaction surveys are carried out by
understandable information about its products and an independent entity for consumers of the Jenius
services, in compliance with relevant regulations and product, utilizing the Customer Satisfaction Score
regulatory provisions, including: [GRI 417-1] (CSAT) and Net Promoter Score (NPS) methods,
1. Summary of product and/or service information; yielding the subsequent findings:
2. Features, terms, and conditions;
2023 2022 2021
CSAT 64% 74% 69%
NPS +22 +16 -22
78 Sustainability Report 2023 PT Bank BTPN Tbk
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Products and Services Excellence in
Supporting Sustainability
Sustainability Report 2023 PT Bank BTPN Tbk 79
Page 86
STRENGTHENING
THE CULTURE OF
EMPOWERMENT
AND EXPANDING
THE IMPACT
Bank BTPN is committed to
consistently strengthening its positive
contribution to society through
empowerment programs that offer
opportunities for growth and a more
meaningful life.
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Strengthening the Culture of
Empowerment and Expanding the Impact
Sustainability Report 2023 PT Bank BTPN Tbk 81
Page 88
Bank BTPN’s commitment to implementing sustainable finance principles is realized through various initiatives aimed at
enhancing the capacity of customers and the general public, providing them with access to growth and a more meaningful life.
Since 2011, Bank BTPN has launched Daya as its flagship program to promote the development of an inclusive and
collaborative economic ecosystem for all layers of society and Bank BTPN’s customer segments. For over a decade, Daya
has achieved numerous awards at both national and international levels. In the planning and execution of Daya programs,
Bank BTPN emphasizes four main pillars:
Competence Financial
Development Literacy
DAYA
PILLARS
Capacity
Sustainable
to Grow for
Living
Business
1. Competence Development culture of saving, personal financial management,
The competence development program encourages retirement planning, sound investment practices,
individuals to enhance their skills and competencies, banking product awareness for the elderly, and other
encompassing both technical and non-technical relevant topics tailored to the community’s needs.
aspects, in order to confront the growing intensity
of market competition. Daya offers a self-capacity The financial literacy program of Bank BTPN aims to:
development program through specialized and targeted • Enhance public awareness of financial products
programs to match the skills desired by customers. and services that align with their needs
Additionally, amidst the transition from pandemic to • Providing the public education on how to identify
endemic, mental health has become essential for and avoid fraudulent investments
maintaining the mental condition of individuals in order • Enhance the community’s capacity to prudently and
to remain productive in the workplace. responsibly manage finances
• Improve the quality of decision-making in financial
Bank BTPN assists the community to develop their management to enhance the community’s well-
potential and improve their skills through high-quality being
seminars and training led by experts in their respective • Expand financial inclusion.
fields. The training themes provided include:
• Dealing with the Inner Child for A Productive Life
• Working from the Heart Participants of Financial Literacy
• Becoming a Good People Manager [FN-CB-240a.4]
• How to Craft Your Career Breakthrough 2,705,138
2. Financial Literacy [FS16] [OJK F.23] [OJK F.25]
Financial literacy is an important foundation that can
influence an individual’s decision-making process in 558,185
managing finances to achieve short-term and long-term
financial goals. As a business entity operating in the
financial services sector, it is Bank BTPN’s obligation to
promote financial literacy within the community.
Bank BTPN conducts online and offline financial literacy 13,632
training programs and seminars through diverse digital
channels, targeting a wide range of groups, including
students, MSME owners, and retirees across different
regions of Indonesia. The content of these financial
literacy activities encompasses subjects such as the 2023 2022 2021
82 Sustainability Report 2023 PT Bank BTPN Tbk
Page 89
Strengthening the Culture of
Empowerment and Expanding the Impact
3. Capacity to Grow for Business [OJK F.23] [OJK Impact Assessment of the Daya
F.25] [GRI 203-2] Program
Bank BTPN strives to improve financial access for Bank BTPN conducted a study of the potential and needs
individuals engaged in the micro, small, and medium- of the community as an initial step to ensure that the Daya
sized enterprise (MSME) sector by offering training program can provide maximum benefits. All ongoing
and mentoring to enhance the skills of entrepreneurs. programs will undergo periodic assessments based on
Daya offers opportunities for entrepreneurs to performance and the satisfaction level of the beneficiaries,
enhance their capabilities through entrepreneurship the enhancement of the community’s comprehension of
training, business insight development, and guidance the provided materials, and other feedback to be taken
on new business opportunities and market access. into account in the implementation of future programs.
Bank BTPN offers a facility for the public to provide
In addition to offering training and learning modules, input for this program through a whistleblowing program
Daya also offers solutions to enhance MSME detailed on page 134.
businesses and capacities through marketing MSME
products on the daya.id website to reach a wider Daya program also assessed the impact of its programs by
market. Through this program, MSME players have measuring social impact or Social Return On Investment
the opportunity to engage and connect with experts, (SROI) using globally recognized standards to determine
providing inspiration and the necessary guidance. the social investment value obtained from the program.
Bank BTPN implemented all (100%) Daya programs with
This program is expected to enhance the sustainability utmost care, resulting in no public complaints regarding
of MSMEs, thereby increasing the role of MSMEs as a the Daya programs during the reporting year. [GRI 413-1]
driving force in the Indonesian economy. [GRI 413-2] [OJK F. 25]
4. Sustainable Living
SROI Daya Program
Endeavors to enhance the nation’s economy must
be complemented by endeavors to improve the In 2023, Bank BTPN conducted SROI analysis on the
quality of life for its people. This is because healthy daya.id website program. The daya.id website, launched
and prosperous individuals are better positioned in 2017, serves as a digital platform for the public to
to work productively. Bank BTPN is committed to improve their skills and quality of life across multiple
improving the community’s health and well-being by domains, encompassing economics, health, and social
providing access to information and education on aspects. Through daya.id site, individuals can access
healthy lifestyles, mental health, and environmental resources on business management, financial literacy,
sustainability.
Sustainability Report 2023 PT Bank BTPN Tbk 83
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and healthy lifestyles. Additionally, they have the DAYA.ID – A LEADING DIGITAL PLATFORM
opportunity to engage in free consultations with experts Daya.id is a digital platform that empowers the community
in these areas. to enhance their capacity and quality of life across
multiple domains, such as economic, health, and social
The results of the SROI analysis indicate that the daya.id well-being. Through daya.id, individuals can access
website has effectively delivered benefits such as: resources on business management, financial literacy,
1. Enhancing the image of Bank BTPN as a bank actively and healthy lifestyles, and also engage in complimentary
empowering its customers and the community. direct consultations with experts in these areas.
2. Enhancing users’ knowledge, awareness, abilities,
and profits. Daya.id assists the community in swiftly and easily
3. Increasing income, expertise in article creation, accessing the information and services they require by
portfolio development, and branding. offering excellent services, including:
4. Increasing profits from loan top-ups, customer base
expansion, and sales performance. 1. Providing accurate information on entrepreneurship,
5. Reducing operational costs related to communication financial management, and healthy lifestyles.
media. 2. Providing access to empowerment programs
available 24/7.
SROI impact calculation for the daya.id program in 2022 3. Boosting the competitiveness of customers’
resulted SROI Ratio of 2.46. This indicates that for every 1 businesses through product and business promotions
Indonesian Rupiah invested by Bank BTPN in the daya.id on the daya.id website.
website, it generates a social value of Rp2.46. 4. Facilitating consultations with experienced experts in
business, finance, and healthy living.
5. Establishing a network among business players to
enhance business opportunities.
News & Tips Sahabat Daya
1 9
Providing the latest news Volunteer program to
and practical tips for daily empower the surrounding
activities community
Success Stories Financial Products
Sharing inspirational Featuring various financial
2 experiences from actors
who have achieved 8 products in the form
of savings, loans, and
success in business or a investments that can be used
healthy lifestyle as needed
NINE
FEATURES
Online Training
Engaging, concise, and ON DAYA.ID Market Access
Online
3 WEBSITE 7
easy to-understand
Promoting selected
training videos on financial,
customer products in well
business, and healthy
known online stores
lifestyle topics.
Face-to-face Training
Ask an Expert Online
Offline and online training/
4 Consultation with
experienced & trusted 6 seminar schedules to
increase self-capacity
experts in their field
Business Opportunities
Providing a wide choice
5
of franchise business
opportunities from partners
that have been tested and are
in the low-risk category
84 Sustainability Report 2023 PT Bank BTPN Tbk
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Strengthening the Culture of
Empowerment and Expanding the Impact
Number of Daya.id visitors
[FN-CB-240a.4]
Website visitors Registered users
2,306,562 136,173
2,124,165
107,053
1,684,575
73,566
2023 2022 2021 2023 2022 2021
In 2023, daya.id was visited by 2,306,562 visitors, 4. INTRAS (Coaching & Training Company)
136,173 of whom were registered users. 5. Franchise Indonesia Magazine
Daya.id collaborated with experienced professionals This collaboration has led to the creation of numerous
in the fields of entrepreneurship and health, including: structured and accurate educational resources aimed
1. Indonesia Sports Medicine Centre (ISMC) at empowering the public to make informed decisions
2. Arsanara that can enhance their quality of life.
3. Tangan Diatas Community
3,639 322 212 10 partners
Article Tips E-learning Module Success Stories Expert Partners
*Data as of December 31, 2023
In 2023, daya.id introduced several innovations to enhance the effectiveness and reach of its programs, including:
1. Collaboration with expert partners to effectively cater to users’ needs.
2. Improvement of SEO and SEM strategies to enhance website traffic.
3. Development of Disaster Recovery Infrastructure to enhance website service availability.
Sustainability Report 2023 PT Bank BTPN Tbk 85
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TESTIMONIALS FROM MSME MENTORING
DAYA PROGRAM PARTICIPANTS
Gain Profit Through At one exhibition at SICC Sentul, Bogor, her booth was
visited by the President of the Republic of Indonesia,
Daya’s Training
Joko Widodo, who engaged in a discussion about her
products.
Indonesia’s vast marine territory positions it as a
country with immense potential in the field of maritime
and fisheries. Unfortunately, certain marine species
Challenges
with short lifespans are frequently underutilized or
However, Siti Rochanah’s success in developing
discarded. One such example is the “Serinding” fish,
processed fish products from the Serinding fish was
also known as Ambassis Nalua, frequently used as
the result of persistent effort. Prior to this endeavor,
animal feed or simply disposed of.
she began her business by making pastries in 2021
before transitioning to processed Serinding fish. The
Concerned by the underutilization of the Serinding fish,
production of Iwak Nyuzz also entailed numerous trials
Siti Rochanah (63), a woman from the northern coast
to achieve the perfect blend of spices, determine the
of Semarang, Central Java, was inspired to process it
optimal flour thickness, and master the frying process
into a long-lasting fish product with a delighful flavor.
in hot oil. Perfection was the ultimate goal.
She coats the Serinding fish with various fresh spices
and flour, then fries it to produce a savory, crispy, and
“We once had 25 kg completely ruined because we had
enjoyable snack.
no prior experience in processing it, which led to burnt,
overly thick flour. The trials were truly remarkable,
Siti Rochanah named her processed Serinding fish
spanning about two years,” Rochanah revealed.
product “Iwak Nyuzz,” and its marketing has been highly
successful. The Iwak Nyuzz brand now offers a total of
In addition to the product, Siti Rochanah’s business
21 variants and has obtained various business permits,
of creating snacks from the Serinding fish also
halal certification, and BPOM certification. Additionally,
frequently faced challenges in sourcing raw materials
Siti Rochanah has patented the Iwak Nyuzz trademark
from local fishermen. Despite this, Siti Rochanah
with the Directorate General of Intellectual Property,
continued to develop business strategies to ensure
Ministry of Law and Human Rights.
smooth production. One of the efforts she has made
was actively participating in entrepreneurship training
Siti Rochanah’s processed Serinding fish products
programs to enhance her knowledge and business
are frequently showcased at various exhibitions and
acumen, supporting of the production process and the
events.
advancement of her business.
Production & Product
Revenue of Iwak Advantages
Nyuzz
500% 1. Produced homemade
Revenue Increased 2. Continuously innovating
3. Holds business permits, halal
certificates, and BPOM certificates for its
100 packs/day (2010) products
4. Registered trademark patents for Iwak
1,500 packs/day (2023) Nyuzz
5. Top-notch service to consumers
86 Sustainability Report 2023 PT Bank BTPN Tbk
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Strengthening the Culture of
Empowerment and Expanding the Impact
She participated in the “Daya” program offered by
Bank BTPN, of which she is a customer. This program
aims to enhance the capacity of the community,
particularly Bank BTPN customers across all segments,
from corporations to low-income (productive
underprivileged) individuals.
During this training, Rochanah was introduced to
Coach Ari, who assisted her in developing new
products by utilizing leftover products to create
separate economically valuable products. This led to
the emergence of new products such as shrimp and
fish crumbs with original and spicy variants, thereby
increasing her profits.
“Before meeting Coach Ari, I had never considered
using the remnants of Iwak Nyuzz. However, after our
encounter, I started to explore ways to add economic packages per day, a substantial increase from the initial
value by utilizing these remnants, ensuring that the 100 packages per day in 2010 when she first started her
entire product was put to good use. I am truly grateful processed fish business. Consequently, Rochanah’s
for this valuable advice,” she said. total turnover has also risen sharply, by more than 500%
since the inception of her business. With her expanding
She was also encouraged to develop marketing business, Siti Rochanah has been able to employ six to
techniques by participating in exhibitions to enhance seven workers to assist her.
the branding of her products and expand their market
by selling Iwak Nyuzz products at production houses, The Iwak Nyuzz product is now available beyond the
various retail stores, and to resellers. island of Java and throughout Indonesia. Not only is
it popular domestically, but on July 29, 2023, the Iwak
As a result, the production and sales of Iwak Nyuzz Nyuzz product successfully made its first export.
have increased significantly. Currently, the production
of processed fish Iwak Nyuzz has reached 1,500
Product Variants Iwak Nyuzz Product
Prices
1. Soft-boned milkfish (presto milkfish)
Rp22,000
2. Swamp baby fish original Baby Fish Crispy Original
3. Sea baby fish original
4. Spicy sea baby fish Rp24,000
5. Shrimp original Baby Fish Crispi
6. Spicy shrimp Balado
7. Baby fish fillet crispy
8. Shrimp and salted fish fried rice seasoning Rp30,000
Various Sambal
9. Various sambal and fried shallots
10. Crunchy Shrimp and fish flakes with original and
spicy variants
Sustainability Report 2023 PT Bank BTPN Tbk 87
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COMMUNITY EMPOWERMENT PROGRAM 1. To prepare participants for retirement through
dynamic seminar content, such as:
Daya Program for Retired Customers • Retirement Mindset
This program is designed to cater to the needs of This section aims to instill a positive mindset
retired customers by offering information in the areas that retirement is a new chapter of life brimming
of psychology, health, and finance during retirement. with opportunities for creativity and joy.
Daya aims to enhance the quality of life for retired • Retirement Financial Planning
customers by offering services tailored to the needs This section offers participants guidance on
of the elderly, health consultations with medical effectively managing their finances to ensure
professionals, and opportunities to foster a sense of the fulfillment of all their essential needs during
community among retirees. retirement.
• Activities During Retirement
Daya Programs for Retired Customers include: This section provides information on the
diverse opportunities available to stay active
and productive during retirement, including
actively engaging in social activities, returning
to work, starting a business, or becoming an
health Seminar investor.
Health seminar at the branch office, 2. To provide training and mentorship to participants
emphasizing on the treatment, aspiring to become entrepreneurs in retirement,
01 diagnosis, and prevention of diseases
and health disorders affecting the
enabling them to establish businesses aligned with
elderly. The seminar features a their potential and interests. The second objective
specialist geriatric doctor. is manifested in its content, which comprises:
• Entrepreneurial Mindset
This section assists participants in developing
the mindset and acquiring the skills necessary to
become resilient and adaptable entrepreneurs.
• Business Interest Mapping
Teleconsultation This section assists participants in making
Online doctor consultations are informed decisions regarding the type of
02 available every working day, allowing
patients to seek medical advice
business they will pursue based on their
hobbies, interests, and risk profiles. Additionally,
through text, voice calls, or video calls. participants are provided with information
about various business opportunities offered
by Bank BTPN’s partners as potential options
for their businesses.
Online Community • Business Plan Development
Platform for retired customers This section offers participants guidance
to exchange information, share on developing comprehensive business
experiences, and build camaraderie requirements and effective business plans,
03 with other retired customers. The
community is also facilitated by thereby enhancing their prospects for success
healthcare professionals (doctors) to in managing their businesses.
ensure they receive accurate health • Business Implementation
information. This section offers participants the opportunity
to simulate business implementation and
provides them with tips for running a business,
including strategies for managing business
risks.
Bank BTPN not only offers the Online Retirement
Preparation program, emphasizing on elderly health, During 2023, there have been 56 offline and online
but also offers retirement preparation services to training activities, attended by 7,698 members of TNI
Indonesian Army (TNI) and POLRI (Indonesian Police) and POLRI throughout Indonesia.
members. The program’s curriculum is designed with
has 2 main objectives, namely:
88 Sustainability Report 2023 PT Bank BTPN Tbk
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Strengthening the Culture of
Empowerment and Expanding the Impact
Daya for Sinaya Prioritas Customers This webinar is a tangible manifestation of Bank BTPN
Daya program for Sinaya Prioritas customers aims to supports the government’s program to synchronize
enhance the loyalty of individual Bank BTPN (Sinaya NIK and NPWP, as not all customers understand the
Prioritas) customers through a capacity-building process. This program was attended by 383 Sinaya
program for customers. Prioritas customers.
As a tangible manifestation of Bank BTPN’s Sahabat Daya
commitment in providing the best service for Sinaya Sahabat Daya is a program aimed at enhancing the
Prioritas customers, in 2023 Bank BTPN collaborated capacity of the Indonesian community by engaging
with PT Kalbe Farma Tbk, to provide an offline the participation of diverse stakeholders, including
seminar program with a health theme on the changing employees, partners, and Bank BTPN customers.
health trends from the application of curative and
reactive measures to health phenomena will switch Sahabat Daya also serves as a platform for Bank
to preventive and predictive measures that are BTPN to promote a culture of sustainability among its
considered more efficient and improve quality of life. employees. The program, organized by Bank BTPN,
The seminar was attended by 90 participants from promotes active employee engagement in a variety
various areas in Jakarta. of Sahabat Daya volunteering activities or Employee
Volunteering (EV).
Another program for Sinaya Prioritas customers is
a webinar program with a taxation theme which is The empowerment activities encompass a wide range
divided into 2 topics, namely: of topics, including financial management, business
1. Manage Annual Tax Return (SPT) and SP2DK management, health check-ups, environmental
Appeal Letter Wisely initiatives such as greening and mangrove planting, as
2. Matching of the Customs Identification Number well as literacy education for underprivileged children.
(NIK) and Taxpayer Identification Number (NPWP):
Solution to Simplify Tax Administration
Sustainability Report 2023 PT Bank BTPN Tbk 89
Page 96
These diverse Sahabat Daya activities entail collaboration with external partners such as universities, experts, and
practitioners engaged in these initiatives.
Through direct employee involvement, it is hoped that the company’s positive impact on society will be further
enhanced, bolstering Bank BTPN’s reputation as a bank dedicated to empowerment. Additionally, employees
stand to gain from participating in volunteer activities, as it provides them with a platform for personal growth and
boosts their self-esteem. Consequently, the commitment to sustainability is not solely a corporate agenda and
mission but has also become a commitment embraced by the employees.
The Sahabat Daya programs in 2023 include:
Program Description Impact
Sahabat Daya program that accommodates • 32 volunteers/employees
and encourages employees’ sense of social • 14 boxes of clothes and 5 boxes of books
and environmental awareness to help groups/ • Beneficiary locations: Java and Sumatra
institutions in need or support other positive
actions in the community through donation
Sahabat Daya
activities.
Donation
The Sahabat Daya program promotes voluntary • Total participants: 46 employees from 8
participation in low-emission activities, such central and branch offices
as walking or cycling to and from the office, in • 3,488,431 steps walked
order to mitigate the adverse effects of carbon • 5,950 km cycled
emissions on climate change. • 625 mangrove trees converted
Walking x
Cycling for The distance covered by employees walking
the Earth and cycling is converted into mangrove trees,
with 1 mangrove tree planted for every 10,000
steps walked or 20 kilometers cycled. The
accumulated mangrove trees have been planted
in the mangrove conservation areas in Pantai
Indah Kapuk and Harapan Island, Thousand
Islands, Jakarta.
The Sahabat Daya program aims to enhance • 19 employee teams
the community wellbeing through its • 203 volunteers
employees. They are encouraged to participate • 767 beneficiaries
in activities that empower the people in their • 12 cities including Jakarta (headquarters),
community, helping them to feel meaningful to Medan, Makassar, Tuban, Lampung,
their community. Tasikmalaya, Manado, Salatiga, Serang,
Sahabat Daya
Bekasi, Karawang, Yogyakarta.
Wellbeing
Employees form teams and submit proposal • Empowerment activities include financial
for empowerment. The selected proposals will literacy, health check-ups for retired
receive financial assistance to carry out the customers, mangrove planting, teak tree
empowerment activities. planting, healthy living and cleanliness
campaign, stunting prevention, literacy
enhancement for street children, urban
farming.
Employees and/or the public voluntarily provide Please refer to the Social Responsibility Activities
financial literacy counseling to the community, table on page 92-93.
including high school students, university
students, and communities (customers/non-
customers).
Sahabat Daya
Financial
Literacy
90 Sustainability Report 2023 PT Bank BTPN Tbk
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Strengthening the Culture of
Empowerment and Expanding the Impact
Testimony of Sahabat Daya Participant
WALKING X CYCLING for the Earth
Merisa Darwis : Our contribution, Meaningfull To The Earth!
mid her hectic schedule as the Operational
A Director of Bank BTPN, Merisa Darwis makes
time to join the Sahabat Daya Walking x Cycling
for the Earth (Berjalan Bersepeda untuk Bumi/
Recognizing the significant benefits of this initiative, Merisa
Darwis expressed her hope that all Bank BTPN employees
would continue to be enthusiastic in their efforts to reduce
BBUB) program. She considers this program a meaningful emissions and pollution.
and positive endeavor.
“The steps or cycling we take may seem small or insignificant,
“We are very grateful to have an office space with large but at least we have done something to make the environment
windows. In addition to savoring the Jakarta cityscape from around us better, rather than doing nothing!” she emphasized.
the BTPN Tower, I often observe the haze in the city’s sky Meanwhile, another BBUB program participant, Firly Aryanti
caused by pollution. In my view, we all contribute to the SH, from the Bandar Lampung Branch Office, expressed her
environmental conditions in the capital city,” she said. enthusiasm for taking part in a program that benefits both
physical health and the environment.
She admitted to feeling extremely enthusiastic when the
Sahabat Daya BBUB program was initiated. This program “If before, my walking only benefited me, like feeling healthier,
provides us with the opportunity to take real action in now, with the Sahabat Daya BBUB program, my walking
reducing carbon emissions that cause pollution. has an additional value for the environment. As we receive
a special reward converted into mangrove trees to address
“Participating in this program offers two significant pollution issues,” she said.
contributions. First, by walking or cycling, we refrain from
adding to pollution. Second, our efforts in walking or cycling Another cycling participant in the BBUB program, Akbar
will be converted into the planting of mangrove trees, adding Ismail, from the Gunung Sahari branch office in Jakarta,
depth and significance to the program. I believe I should be expressed that BBUB is highly inspiring in contributing to
able to contribute at least one tree!” she exclaimed. reduce pollution and carbon emissions, detrimental to the
environment.
“I walked in the morning, when I was heading to the office.
From my house, I walked to the MRT station to board the train “The existing facilities provide robust support for cycling
and disembark at the next station, just to cross the Semanggi to the office. We can utilize public transportation, followed
intersection. From there, I proceeded on foot to the BTPN by cycling, and upon arrival, there are facilities available
Tower. During this time, Satrio Street was heavily congested at the office for cleaning up. Therefore, the process is
with diverse vehicles. By choosing to walk, I avoided the traffic straightforward and convenient. It’s just a matter of whether
congestion and, most importantly, diminished my impact on we want to contribute to reducing pollution for the earth or
air pollution. I recently discovered that the sidewalks in that not,” he said.
area are very pleasant for walking,” she said.
“I have walked to the office 5 times and accumulated over
20,000 steps, thus effectively contributing to the planting of
two mangrove trees,” she continued.
Sustainability Report 2023 PT Bank BTPN Tbk 91
Page 98
Social Responsibility Activities [OJK F.25]
Type of Activity Relevance to SDGs Description Participation Rate
Competence SDG 4 (Quality Education) • 164 participants attended the
• Seminar: 10 activities
Development SDG 5 (Gender Equality) seminar
Topics:
SDG 17 (Partnerships for the
• Leadership
Goals)
• Performance
Management
• People Management
• Career Development
• Fund Allocation:
Rp335,464,511
Financial SDG 1 (No Poverty) • Seminar: 66 • 3,616 participants attended the
Literacy SDG 4 (Quality Education) • Infographics: 17 seminar
SDG 8 (Decent Work and • Website education: 19 • 5,038 people read educational
Economic Growth) • Education through social posters (infographics)
SDG 10 (Reduced media: 189 • 3,356 visited daya.id and Jenius
Inequalities) • Fund Allocation: website content
SDG 17 (Partnerships for the Rp632,630,139 • 2,689,992 viewed social media
Goals) content
Capacity SDG 1 (No Poverty) • Seminar: 34 activities • 7,691 participants attended the
to Grow for SDG 8 (Decent Work and • Coaching activities: 2 seminar
Business Economic Growth) • Infographics: 36 • 9 participants received coaching
SDG 10 (Reduced educational posters • 3,082 read educational posters
Inequalities) • Daya.id website content: (infographics)
SDG 17 (Partnerships for the 2.210 • 1,853,371 people visited the website
Goals) • Social Media Content: 28 daya.id
• Fund Allocation: • 127,334 viewed social media content
Rp334,627,656
Sustainable SDG 3 (Good Health and • Seminars: 16 activities • 43,519 participants attended the
Living Well-Being) • Consultation activities at seminar
branches: 1,283 activities • 1,283 people received consultations
• Online/telephone at branches
consultation activities: • 2,302 people received online or
2,302 activities teleconsultations
• Infographics: 45 • 12,557 read educational posters
educational posters (infographics)
• Daya.id website content: • 323,825 people visited the website
875 daya.id
• Social media content: 20 • 362,972 people viewed social media
• Fund Allocation: content
Rp195,622,125
92 Sustainability Report 2023 PT Bank BTPN Tbk
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Strengthening the Culture of
Empowerment and Expanding the Impact
Type of Activity Relevance to SDGs Description Participation Rate
Daya for SDG 3 (Good Health and • Seminars: 29 activities • 2,944 participants attended the
Corporate Well-Being) • Fund Allocation: seminar.
Customers SDG 4 (Quality Education) Rp102,705,201
SDG 8 (Decent Work and
Economic Growth)
SDG 10 (Reduced
Inequalities)
SDG 17 (Partnerships for the
Goals)
Courses and SDG 3 (Good Health and • 56 activities • 7,698 participants
Preparation for Well-Being) • Fund Allocation:
Prospective SDG 4 (Quality Education) Rp847,613,244
Retired Civil SDG 8 (Decent Work and
Servants, Economic Growth)
Military SDG 10 (Reduced
Personnel, and Inequalities)
Police
Development SDG 4 (Quality Education) • 4,071 learning sessions • 105,496 students
of Educational
Facilities
[GRI 203-1]
Daya for SDG 3 (Good Health and • 6 seminars activities • 521 participants
Sinaya Prioritas Well-Being) • Fund Allocation:
Customers SDG 8 (Decent Work and Rp36,201,750
Economic Growth)
Sahabat Daya SDG 3 (Good Health and • 45 volunteer activities • 415 volunteers from various
Well-Being) • Fund Allocation: backgrounds such as Bank BTPN
SDG 4 (Quality Education) Rp36,599,657 employees, students, the general
SDG 8 (Decent Work and public, and others.
Economic Growth) • 2,030 people benefited from
SDG 10 (Reduced the activities carried out by the
Inequalities) volunteers.
Daya.id SDG 3 (Good Health and • Article Tips: 3.639 • 2,705,138 people visited the daya.id
Well-Being) • Modul e-learning: 322 website
SDG 4 (Quality Education) • Success stories: 212
SDG 8 (Decent Work and • Fund Allocation:
Economic Growth) Rp357,731,730
SDG 10 (Reduced
Inequalities)
Sustainability Report 2023 PT Bank BTPN Tbk 93
Page 100
INCREASING
CAPACITY FOR
SUSTAINABILITY
Exceptional human resources are the
key to the long-term success of a
company. Bank BTPN is committed to
creating a positive work environment
that facilitates the development of
employee competencies.
94 Sustainability Report 2023 PT Bank BTPN Tbk
Page 101
Increasing Capacity for Sustainability Sustainability Report 2023 PT Bank BTPN Tbk 95
Page 102
Human Resources Policy of Bank this goal, Bank BTPN offers sufficient facilities
BTPN and work equipment, including comfortable
The human resources policy of Bank BTPN is designed workspaces, complete work tools, and a
to comprehensively support the achievement of the conducive working environment. Furthermore, the
company’s sustainability goals. Human resources bank also provides recreational facilities within
management is executed through a range policy the office premises, such as games and karaoke,
that prioritizes the principles of environmental to allow employees a brief respite. Additionally, a
sustainability, equality, and transparency in order to music studio is provided for employees who wish
cater the interests of employees. Bank BTPN instills to develop their hobbies.
these sustainability principles in all individuals within
the company through a variety of activities, including: • Flexible workplace
[OJK F.1] Bank BTPN acknowledges that employees have
1. Disseminating Bank BTPN’s values and various needs. As a result, the bank provides a
sustainability targets to all company members, flexible workplace, allowing employees to tailor
particularly to employees in decision-making it to their needs. For instance, employees have
roles. the option to work from the office, from home, or
2. Disseminating the sustainability activities from any other location of their choice. It is not
implemented by Bank BTPN. mandatory for employees to work in the office
3. Fostering a culture of good corporate governance every day. This approach also aligns with energy
through anti-corruption campaigns and training conservation initiatives by minimizing employees’
for Bank BTPN’s employees and partners. commuting distances to the office.
4. Creating a conducive work environment through
the implementation of strict security systems, • Transparent career paths
adequate facilities, and a positive work culture. Bank BTPN ensures that employees have the
5. Maintaining employees’ mental health by opportunity to develop and advance in their
providing various facilities to help manage stress careers. Therefore, the bank provides transparent
and work pressure, such as sports facilities and and clear career paths, allowing employees
relaxation rooms. to understand their career prospects and the
6. Encouraging employees to contribute to necessary steps to achieve them.
community development activities through
training and providing social assistance to • Quality training
improve the community’s quality of life. Bank BTPN is committed to developing the
7. Creating an environment that upholds human competencies of its employees. In pursuit of this
rights by providing human rights training for goal, the bank offers a wide range of high-quality
security personnel responsible for protecting the training programs designed to develop both
security of customers and Bank BTPN employees. hard and soft skills, including leadership training.
These programs aim to equip employees with
the necessary skills and knowledge to effectively
#MoreThanAJourney
perform their duties and responsibilities.
Bank BTPN is committed to creating a comfortable
and supportive working environment for its
Adoption of Digital Technology for
employees. This commitment is realized through the
Employee Management
#MoreThanAJourney initiative, emphasizing that
working life at Bank BTPN is not just a journey, but an Bank BTPN is accelerating the adoption of technology
opportunity to make a positive impact on society. The to ensure the company’s operations remain
#MoreThanAJourney commitment also embodies competitive and relevant in the era of Industry 4.0.
a sustainable approach to managing Bank BTPN’s The integration of digital technology serves not only
employees, encompassing four main pillars: to facilitate the operational functions of the bank in
delivering financial and banking services, but also
• Comfortable working environment
to streamline human resources management. This is
Bank BTPN believes that employees experiencing
aimed at bolstering the efficiency, effectiveness, and
a sense of comfort in their workplace are likely
productivity of employee management.
to exhibit higher productivity and make greater
contributions to the company. In pursuit of
Bank BTPN is undergoing transformation by
implementing a cloud-based Human Resources
96 Sustainability Report 2023 PT Bank BTPN Tbk
Page 103
Increasing Capacity for
Sustainability
Information System (HRIS) as a platform for managing sustainable growth. Bank BTPN strives to deliver
employee data and providing HR services. This top-notch HR services for employees, empowering
implementation includes: them to make a more significant contribution to the
• HR Core system, employee and manager self- company.
service
• HR Mobile Platform To foster effective communication and transparency
• E-Learning System with employees, Bank BTPN has established an
• HR Communication and collaboration platform internal communication channel “Portal Kita.” This
• Performance Management System platform encompasses the company’s culture and
values, along with bank-wide activities conducted by
The aim of this digital transformation process is to Bank BTPN.
provide convenience for employees, as they can access
their entire employee journey and fulfill their needs
through the website and smartphone application.
With this innovation, Bank BTPN is entering a new era
of personalized and real-time HR processes to foster
The Best Companies to Work for in Asia 2023
Bank BTPN has been awarded as one of the best workplaces in Asia, “Best Companies to
Work For in Asia 2023,” by HR Asia. This award is given as an appreciation to companies
in Asia with outstanding human resources performance, measured through high employee
engagement and excellent work culture.
One of the Employee Value Propositions (EVP) offered by Bank BTPN to its employees is the
opportunity to make meaningful changes in their lives through an exceptional work experience.
This includes the implementation of a hybrid working system, or flexible working locations, to
promote a good work-life balance.
Bank BTPN’s Personnel
During the reporting period, the number of employees decreased by 4.8%, from 6,972 to 6,636 employees, to
adjust to the needs and development of Bank BTPN. The following are the employee data of Bank BTPN obtained
from the Human Resources directorate:
Total Number of Employees By Employment Contracts
(Permanent and Temporary), By Gender [GRI 2-7] [OJK C.3.b]
2023 2022 2021
Description
Permanent Temporary Permanent Temporary Permanent Temporary
Male 3,500 195 3,707 268 3,786 319
Female 2,846 95 2,877 120 2,900 124
Sub Total 6,346 290 6,584 388 6,686 443
Total 6,636 6,972 7,129
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Total Number of Employees By Employment Contracts
(Permanent and Temporary), By Region [GRI 2-7] [OJK C.3.b]
2023 2022 2021
Description
Permanent Temporary Permanent Temporary Permanent Temporary
Greater Jakarta 3,032 171 2,918 223 2,767 224
Java (exclude Greater 1,778 57 1,969 69 2,070 94
Jakarta)
Outside Java 1,536 62 1,697 96 1,849 125
Sub Total 6,346 290 6,584 388 6,686 443
Total 6,636 6,972 7,129
Total Number of Employees By Employment Contracts
(Permanent and Temporary), By Gender and Region [GRI 404-1] [OJK C.3.b]
2023 2022 2021
Description
Permanent Temporary Permanent Temporary Permanent Temporary
Male 3,500 195 3,707 268 3,786 319
Female 2,846 95 2,877 120 2,900 124
Total 6,636 6,972 7,129
Greater Jakarta 3,032 171 2,918 233 2,767 224
Java (exclude Greater 1,778 57 1,969 69 2,070 94
Jakarta)
Outside Java 1,536 62 1,697 96 1,849 125
Sub Total 6,346 290 6,584 388 6,686 443
Total 6,636 6,972 7,129
Bank BTPN does not employ workers on the basis of and career development opportunities. The company’s
“non-guaranteed hours employees” (workers who are commitment to upholding the principle of equality
not guaranteed a minimum or fixed number of working is evident in the absence of discrimination incidents
hours per day, week, or month, but are required to during the reporting year.
be available to work as needed) and does not have
any workers other than those mentioned above. The
employee data is retrieved from the database stored Employee Diversity
in the HR Directorate. [GRI 2-7] [GRI 2-8] [GRI 405-1] [OJK C.3.b]
Bank BTPN views diversity as a source of innovation
and creativity, a crucial aspect in enhancing the
Inclusive Workplace company’s competitiveness. As a result, the company
[GRI 406-1] [OJK F.18] values differences and consistently prioritizes a culture
The company establishes a safe work environment of diversity in all business activities. The company’s
that upholds diversity and equality. It does not offer commitment to diversity is evident in the highly
disparate treatment, exemptions, or preferences diverse backgrounds of its employees, ranging from
based on race, skin color, gender, religion, political genders, ages, and educational levels. The following
opinion, lineage, or social origin. The company is the demographic of Bank BTPN employees that
opposes all forms of discrimination and guarantees illustrates the company’s diversity in terms of gender,
equality in the recruitment process, job assessment, age, and educational level.
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Diversity of the Governance Body and Employees by Gender
[GRI 405-1] [OJK C.3.b]
2023 2022 2021
Position
Male Female Total Male Female Total Male Female Total
Board of management 5 5 10 6 6 12 6 5 11
(50%) (50%) (50%) (50%) (55%) (45%) (50%)
Top management 122 56 178 120 51 171 109 45 (29%) 154
(69%) (31%) (70%) (30%) (71%)
Senior management 460 283 743 447 271 718 451 259 710
(62%) (38%) (62%) (38%) (64%) (36%)
Management 1,744 1,147 2,891 1,789 1,130 2,919 1,732 1,099 2,831
(60%) (40%) (61%) (39%) (61%) (39%)
Officer/Supervisor 794 796 1,590 876 720 1,596 923 693 1,616
(50%) (50%) (55%) (45%) (57%) (43%)
Clerical 570 654 1,224 727 819 1,556 884 923 1,807
(47%) (53%) (47%) (53%) (49%) (51%)
Total 3,695 2,941 6,636 3,975 2,997 6,972 4,105 3,024 7,129
(56%) (44%) (57%) (43%)
Diversity of the Governance Body and Employees by Age
[GRI 405-1] [OJK C.3.b]
2023 2022 2021
Position
21-30 30-50 >50 th 21-30 30-50 >50 th 21-30 30-50 >50 th
Board of management - 3 7 - 4 8 0 5 6
Top management - 122 56 - 121 50 0 107 47
Senior management 3 625 115 6 608 104 4 600 106
Management 607 2,154 130 598 2,179 142 556 2,159 116
Officer/Supervisor 259 1,305 26 283 1,287 26 275 1,319 22
Clerical 359 859 6 466 1,077 13 569 1,223 15
Total 1,228 5,068 340 1,353 5,276 343 1,404 5,413 312
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Total Number of Employees By Educational Level
[GRI 405-1] [OJK C.3.b]
Education Level 2023 2022 2021
Doctoral Degree 4 4 1
Master’s Degree 321 318 289
Bachelor’s Degree 5,467 5,692 5,783
Associate’s Degree 606 671 740
High School/Equivalent 238 287 316
Total 6,636 6,972 7,129
Bank BTPN always strives to maintain gender pay Decent and Safe Working
equality by not discriminating between male and female Environment [OJK F.21]
employees in terms of basic salary and remuneration. Bank BTPN consistently endeavors to cultivate a
Differences in the amount of remuneration received decent and safe working environment for the comfort
by each employee are due to differences in job level, of its employees, recognizing it as the cornerstone
length of service, and job placement. The ratio of basic of their productivity and well-being. By offering a
wages and remuneration for women to men for each decent and safe working environment, Bank BTPN
job category and in every operational location of Bank demonstrates its commitment to the well-being of its
BTPN is consistently maintained at 1:1. [GRI 405-2] staff, ensuring that employees feel appreciated and
supported in performing their duties.
Proportion of senior management A decent working environment also creates a positive
from the local community [GRI 202-2] work atmosphere, enhances motivation, and fosters
Bank BTPN is committed to supporting the government trust and collaboration among teams. Therefore, Bank
in strengthening the local and national economy. This BTPN creates a decent and safe working environment
commitment is demonstrated by prioritizing local through the following strategies:
communities to occupy senior management positions. 1. Room temperature and lighting are adjusted
Senior management refers to the Bank BTPN’s Board according to the Indoor Health and Comfort (IHC)
of Directors. The majority of the Board members standards.
are Indonesian nationals. Out of the total board of 2. Quality desks and chairs are designed to promote
directors, 5 individuals (62.5%) hold senior positions good body posture.
in the company and are Indonesian nationals. 3. Positive work culture based on transparent
communication.
The involvement of the local community in business 4. Harmonious industrial relations.
decision-making is expected to aid the company
identify the needs of the community and support the
sustainable economic growth of the region. Information Employee Recruitment [GRI 401-1]
regarding job opportunities available at Bank BTPN Recruiting employees, particularly in the banking
is disseminated through various channels, such as sector, has become progressively more challenging
social media, job portals, career fairs, collaborations in recent years. Several factors have contributed
with universities, and other communication platforms. to this difficulty, such as evolving employee
expectations, technological advancements, and a
dynamic economic landscape. In response to these
challenges, Bank BTPN has implemented a targeted
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Increasing Capacity for
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strategy in its employee recruitment process. Among Through LEAD, employees undergo training to
the innovations and development programs offered by refine their leadership and problem-solving skills.
Bank BTPN are: The program is overseen by senior leaders of Bank
• Creative Hacknology Intensive Program (CHIP) BTPN and distinguished business practitioners.
CHIP is an employee development program Participants will have the chance to directly learn
aimed at cultivating young talents in the field of from seasoned mentors and acquire valuable
technology. The program comprises two stages: insights into the banking industry and leadership.
1. During the first stage, participants will undergo • Intern Development, Enhancement and
intensive training in various technological Acceleration Space (IDEAS)
aspects, including programming, design, and The Intern Development, Enhancement, and
data science. Acceleration Space (IDEAS) Program is an
2. During the second stage, participants will be internship program at Bank BTPN aimed at
assigned to strategic projects within Bank cultivating the skills and knowledge of students
BTPN. and recent graduates. This program offers
Bank BTPN is establishing partnerships with participants the chance to acquire hands-on
diverse educational institutions to attract high- work experience at Bank BTPN and develop
quality candidates. It is hoped that the CHIP the technical and non-technical skills necessary
program to enhance Bank BTPN’s image as an for a career in the banking industry. Exceptional
appealing workplace for the younger generation. performers with high potential may be offered the
opportunity to join Bank BTPN upon completing
• Leadership Acceleration Development (LEAD)
the IDEAS program.
The Leadership Acceleration Development
(LEAD) Program is Bank BTPN’s acceleration
Bank BTPN offers equal opportunities to all
program aimed at empowering individuals with
prospective employees from diverse backgrounds,
the potential to become future leaders within the
without discrimination based on ethnicity, religion,
company. This program offers participants with
race, social class, or gender. Any individual meeting
the opportunity to cultivate leadership skills, gain
the company’s qualifications has an equal opportunity
business insights, and build professional networks
to join and advance their career with Bank BTPN.
within an intensive and challenging setting.
Employee Recruitment By Gender
Description 2023 % 2022 % 2021 %
Male 326 54% 535 56% 446 58%
Female 283 46% 413 44% 330 42%
Total 609 100% 948 100% 776 100%
Employee Recruitment By Age Group
Description 2023 % 2022 % 2021 %
20-30 years old 331 54% 525 55% 470 61%
30-50 years old 265 44% 418 44% 295 38%
Above 50 years old 13 2% 5 1% 11 1%
Total 609 100% 948 100% 776 100%
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Employee Recruitment By Region
Description 2023 % 2022 % 2021 %
Greater Jakarta 454 75% 654 69% 524 68%
Java (exclude Greater 87 14% 155 16% 117 15%
Jakarta)
Outside Java 68 11% 139 15% 135 17%
Total 609 100% 948 100% 776 100%
Employee Turnover [GRI 401-1]
Employee turnover is a prevalent occurrence in all companies, and Bank BTPN is no exception. The turnover
at Bank BTPN can be attributed to a variety of factors. Nevertheless, the bank strives to continuously enhance
its workforce in accordance with the demands of the ever-evolving banking industry, and to implement human
resource management policies prioritizing employee development and retention.
Employee Turnover By Gender
Description 2023 % 2022 % 2021 %
Male 608 64% 665 60% 731 64%
Female 343 36% 446 40% 406 36%
Total 951 100% 1,111 100% 1,137 100%
Employee Turnover by Age Group
Description 2023 % 2022 % 2021 %
20-30 years old 204 22 288 26% 326 29%
30-50 years old 639 67 751 68% 717 63%
Above 50 years old 108 11 72 6% 94 8%
Total 951 100% 1,111 100% 1.137 100%
Employee Turnover by Region
Description 2023 % 2022 % 2021 %
Greater Jakarta 406 43% 521 47% 471 41%
Java (exclude Greater 314 33% 272 24% 111 10%
Jakarta)
Outside Java 231 24% 318 29% 555 49%
Total 951 100% 1,111 100% 1,137 100%
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Termination of Employment
Description 2023 2022 2021
Retirement 314 193 140
Death 10 17 22
Dismissal 97 91 59
Resignation 470 711 607
Others 60 99 309
Total 951 1,111 1,137
Based on the data obtained from the Human language sessions and “Together with Kopi Tuli, a
Resources Directorate of Bank BTPN, the 2023 data coffee shop operated by deaf people” event.
reveals that the percentage of employee recruitment at
Bank BTPN is 9.2% while the percentage of employee
turnover is 12.4%. The relatively low percentage of EMPLOYEE RIGHTS ASPECTS
employee turnover indicates high job satisfaction, as Remuneration and Benefits
it reflects the employees’ willingness to remain in their Bank BTPN values employee performance and
positions within the company for the long term. achievements through a fair and transparent
remuneration system. The company ensures that
During the reporting year, the company implemented its wage policies comply with local government
various programs to promote diversity and inclusion regulations. All employees receive fair compensation,
in the workplace. This included collaboration with the taking into account performance quality, job level,
SMBC Group, such as participation in the Diversity and length of service, and employment status. The
Inclusion (D&I) program, partnership with the Indonesia remuneration ratio at the entry level is the same for
Business Coalition for Women Empowerment (IBCWE) male and female employees in equivalent job levels
and Microsoft Indonesia, including programs such as and positions, maintaining a 1:1 ratio. Furthermore,
Code without Barrier and The TrailblazHER (Women the company guarantees that all employees receive
Mentoring Programs). Furthermore, Bank BTPN wages equal to or exceeding the Regional Minimum
undertook several other initiatives, including sign Wage (RMW). [GRI 202-1]
Regional Minimum Wage [OJK F.20]
Region Provincial Minimum Wage Entry-Level Salary Ratio
in 2022
Bali 2,713,672 3,000,000 111%
Banten 2,661,280 3,110,000 117%
Bengkulu 2,418,280 2,640,000 109%
DI Yogyakarta 1,981,782 2,060,000 104%
DKI Jakarta 4,901,798 4,910,000 100%
Jambi 2,943,033 2,950,000 100%
West Java 1,986,670 2,120,000 107%
Central Java 1,958,170 1,970,000 101%
East Java 2,040,244 2,140,000 105%
South Kalimantan 3,149,978 3,240,000 103%
Lampung 2,633,285 2,660,000 101%
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Region Provincial Minimum Wage Entry-Level Salary Ratio
in 2022
Maluku 2,812,827 3,080,000 109%
Papua 3,864,696 3,870,000 100%
West Sulawesi 2,871,795 2,910,000 101%
South Sulawesi 3,385,145 3,390,000 100%
Bank BTPN provides allowances in addition to the basic salary to increase employee motivation and productivity.
However, in terms of remuneration, temporary or part-time employees do not receive the full range of compensation
components. The details of the allowances received by employees based on their employment status can be seen
in the following table.
Allowances Provided to Full-Time Employees That Are Not Available to
Temporary or Part-Time Employees [GRI 401-2]
Description Permanent Employee Temporary Employee
Salary
Holiday Allowance
Life Insurance
Disability Insurance
Employee Health Insurance
Health Insurance to Employees’ Spouse
Health Insurance to Employees’ Children
Pension Fund
Annual Leave
Maternity and Miscarriage Leave
Severance Pay
-
Parental Leave [GRI 401-3]
The well-being of the mother is crucial for the overall who give birth, ensuring their return to their original
health and happiness of the family, making it a long- position. Additionally, male employees are granted
term investment. Maternity leave is essential for four days of leave to accompany their wives during
female employees to adequately prepare for childbirth childbirth. Importantly, this leave is provided without
and recuperate afterward, fostering a stronger bond any deduction or reduction in the employee’s salary,
between mother and child. Our company offers a rights, or position within the company.
three-month maternity leave for female employees
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Employee continuing
Employee entitled to Employee taking Employee returning to
Gender to work 1 year after
take parental leave parental leave work after leave
completing leave
Male 3,695 133 132 121
Female 2,941 168 120 114
Total 6,636 301 252 235
Retirement Program [GRI 201-3] [GRI 404-2] other employment-related matters that safeguard
Bank BTPN appreciates the dedication of all employees the interests of all (100%) Bank BTPN employees.
who have served until their retirement by providing All company employees, regardless of their union
a retirement program for all company employees membership status, are protected in their interests
to ensure financial stability for employees as they under the Collective Labor Agreement (CLA) for the
conclude their careers. The company is involved in period 2022-2024.
several retirement programs for employees, including:
1. Pension Security under BPJS of Employment, a Bank BTPN considers employee feedback to be
mandatory government program, entails a 1% a valuable asset that can be utilized to improve
employee contribution and 2% from Bank BTPN. productivity and service quality. As part of this
2. Old-Age Security under BPJS of Employment, commitment, the bank conducts an employee
a mandatory government program, entails a engagement survey, allowing employees to evaluate
2% employee contribution and 3.7% from Bank their relationship with their work team, including
BTPN. their direct supervisors representing Bank BTPN.
Furthermore, employees can offer constructive
In addition to preparing financial management plans, suggestions serving as a basis for consideration in
the company also provides entrepreneurship training, taking necessary actions to address the company’s
along with physical and spiritual health preparation, challenges.
held two to three years prior to retirement to equip
employees with the skills and mental readiness needed
during retirement. During the reporting period, a total Child Labor and Forced Labor [GRI 408-1]
of 70 employees took part in the training program. [GRI 409-1] [OJK F.19]
Bank BTPN upholds human rights and opposes all
forms of forced labor within its operational activities.
Collective Labor Agreement [GRI 2-30] The company ensures that employees’ working hours
Bank BTPN guarantees the employees’ right to adhere to the regulations outlined in the Collective
unionize and express their aspirations to protect their Labor Agreement, stipulating a 5-day workweek
interests and improve work productivity. Therefore, the with a 1-hour break for every 8-hour work period.
company has established a labor union as a forum for Additionally, the company compensates employees
employee organization. Bank BTPN ensures that all who work overtime in accordance with relevant
(100%) employees obtain their rights through the Bank regulations. Through the implementation of this policy,
BTPN Workers Union, established in September 2007 no incidents of forced labor violations related to
and registered at the Manpower and Transmigration employees’ rights were recorded during the reporting
Office under the number 256/DPP.SP.BTPNCTT.22- year. [GRI 409-1] [OJK F.19]
DISNAKER/2007.
In addition, Bank BTPN is committed to not engaging
The labor union advocates for fostering a harmonious in child labor or any form of child exploitation in
industrial relationship between employees and accordance with the standards set by the International
management through the preparation of a Collective Labor Organization (ILO). The company ensures
Labor Agreement (CLA) agreed upon by both that the age limit for employees complies with ILO
parties. The CLA governs matters pertaining to Convention No. 138 concerning the Minimum Age
occupational health and safety, remuneration, and for Employment, which sets the minimum age for
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employment at 18 years. No incidents of violations 3. Bank Acceleration Program designed for fresh
of employees’ rights related to underage labor were graduate talents.
recorded during the reporting year. 4. Continuing other competency enhancement
[GRI 408-1] [OJK F.19] processes through training provided by the
bank, including the use of the bank’s e-learning
system, access to Massive Open Online Courses
TRAINING AND DEVELOPMENT (MOOC) for bank employees, and various training
Training Strategies and Programs conducted both online and offline.
[GRI 404-2] 5. Holding a 2-day BTPN Hybrid Learning Festival on
the topics of transformation, growth, and quality.
In the current era of industrial development, the
The festival features seminars by experts, sharing
competitive nature of business demands that
sessions by Bank BTPN leaders, employee
companies possess a competitive edge. Innovation
appreciation programs, learning areas/studios,
from skilled and professional human resources is
and practical training sessions.
key to enhancing the company’s competitiveness.
6. Continuing collaboration with the SMBC Group
Improving employee competence through training
in the employee development process through
programs is one of the efforts to cultivate high-quality
several programs.
human resources.
Bank BTPN fosters a culture of continuous growth
Average Employee Training Hours
by empowering employees at all levels to unlock
[GRI 404-1] [OJK F.22]
and harness their full potential. This is achieved
In the reporting year, Bank BTPN held 753 training
through education and training programs, facilitated
programs attended by 6,544 employees for a total of
by the Human Resources Information System (HRIS),
322,849 hours, resulting in an average of 49 hours of
designed to cater to individual needs. The HRIS utilizes
training per employee per year.
employee data to assess their competencies and
performance, allowing Bank BTPN to tailor training
and development programs to each employee’s
6,544
specific knowledge and skill requirements.
The company has arranged a comprehensive set of
Number of employees
technical and non-technical competency development
programs mandatory for all individuals within the undergoing training
organization, including employees, senior managers,
and the Board of Directors. The competency
development programs for employees conducted by
Bank BTPN in 2023 include:
322,849
1. Continuing the process of Work Competency
Certification in the banking sector, including
certifications in Risk Management, Payment
Training hours
Systems and Rupiah Money Management,
Mutual Fund Sales Agent (WAPERD), Securities
Marketing Intermediary (WPPE-P), and Treasury
for employees required to possess these
certifications.
2. Continuing the process of competency certification
beyond Work Competency Certification in the
49
banking sector, including certifications in Human Average training hours
Resource Management, Compliance, Information per employee
Technology, Internal Audit, and Finance.
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Number of Training Participants by Position and Gender [GRI 404-1]
2023 2022 2021
Position Level
Male Female Male Female Male Female
Top Management 126 61 120 51 6 5
Senior Management 458 282 448 271 106 43
Management 1,710 1,120 1,710 1,095 437 248
Office/Supervisor 777 787 849 697 1,610 1,029
Clerical 570 653 734 818 837 650
Sub Total 3,641 2,903 3,861 2,932 2,996 1,975
Total 6,544 6,793 4,971
Total Training Hours by Position and Gender [GRI 404-1]
2023 2022 2021
Position Level
Male Female Male Female Male Female
Top Management 5,612 3,192 6,036 2,488 80 72
Senior Management 19,323 13,825 20,253 12,780 1,442 602
Management 70,094 58,424 68,176 50,105 5,406 3,231
Office/Supervisor 33,635 49,967 27,221 28,609 18,583 12,063
Clerical 23,784 44,997 22,440 31,222 9,371 7,374
Sub Total 152,446 170,404 144,126 125,204 34,882 23,342
Total 322,849 269,330 58,224
Average Training Hours by Position and Gender [GRI 404-1]
2023 2022 2021
Position Level
Male Female Male Female Male Female
Top Management 44 52 50 49 40 39
Senior Management 42 49 45 47 37 41
Management 40 52 40 46 25 26
Office/Supervisor 43 63 32 41 27 25
Clerical 41 68 31 38 28 34
Sub Total 42 56 37 43 31 33
Total 49 39 32
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Improving Employee Competence in programs for its employees. Through these programs,
Sustainable Finance Bank BTPN not only ensures that our employees have
[OJK E.2] [FS4] a profound understanding of sustainable finance, but
A vital aspect of achieving the vision of sustainable also equips them with the skills and tools necessary
finance is a commitment to enhancing employee to address the challenges in the constantly evolving
competence in sustainable finance. As a result, financial landscape. The wide variety of training
Bank BTPN has implemented tangible measures programs we have conducted include:
by organizing a variety of training and development
Training
Training Topic Date Number of Participants Remarks
Format
Sustainability E-Learning September 15 6,431 employees E-Learning Mandatory for all
2023 - December employees
15 2023
Net Zero: Maintaining Health X July 21, 2023 227 employees Online Seminar
Maintaining Sustainability
Sustainable Finance Seminar: August 11, 2023 113 employees Offline Seminar
Crafting Innovative Strategies to
Boost ESG Impact
Seminar on Seizing Opportunities in October 12, 2023 • 247 participants Offline Offline Seminar
The Pathway to Net Zero Economy (179 customers, 50 Bank
BTPN employees, and 18
media representatives)
• 124 participants
Online (58 Bank BTPN
employees and SMBC
Members, 76 clients /
General Public)
Seminar on Turning Good Intentions October 20, 2023 100 employees Online Seminar
into Sustainable Actions
Seminar on the Benefits of November 20, 108 vendor representatives Online Seminar
Implementing Human Rights in 2023
Business Activities
Performance Review [GRI 404-3] security personnel, but also non-physical security,
Bank BTPN conducts regular performance evaluations which includes providing human rights training for
to assess the performance and achievements of all security officers. This human rights training is a
employees against predetermined work targets, as tangible demonstration of Bank BTPN’s commitment
outlined in their Key Performance Indicators (KPIs). to integrating human rights principles into all of its
The outcomes of these performance evaluations are operational activities. Security officers equipped with
utilized to determine incentives, rotations, or potential a solid understanding of human rights are expected
employee transfers. Performance evaluations also to deliver professional service to customers. In the
serve as an evaluation tool for the company to reporting year, 99% of Bank BTPN’s security officers
enhance employees’ skills through the provision of have undergone training in human rights practices
relevant feedback and training. These evaluations are through the Garda Pratama training program. Human
conducted biannually for all employees, regardless of rights training is also mandatory for third-party security
gender, at every organizational level. Furthermore, all personnel. [GRI 410-1]
employees (100%) have received their performance
evaluations in the reporting year.
Work-Life Balance
Human Rights Training for Security Work-life balance is a crucial factor that can significantly
Officers [GRI 410-1] impact employee productivity and performance.
Employees maintaining a good work-life balance
As a financial institution entrusted with managing
are likely to exhibit higher job satisfaction, increased
customer funds, Bank BTPN requires a rigorous
motivation, and enhanced productivity. Consequently,
security system capable of safeguarding all its
Bank BTPN has established a supportive work
valuable assets. Adequate security encompasses not
environment that promotes work-life balance through a
only physical measures, such as alarm systems and
range of programs, including:
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BTPN Club
n order to support BTPN Bank employees to be able to work optimally and achieve high
I performance, BTPN Bank support is needed for work life balance and employee wellbeing
at BTPN. The implementation of sports and recreation at Bank BTPN is carried out through
an employee social organization called the BTPN Club. This organization is facilitated by
Bank BTPN, by deploying employees to manage its own activities. The employees involved were
volunteers, who were then organized into the management of the BTPN Club through board of
directors’ decision letter.
BTPN Club activities include sports, arts, spirituality and interests (hobbies) that are recreational
and not for the pursuit of achievement. The activities are organized voluntarily by several employees
who join communities according to certain interests including Futsal, Badminton, Basketball,
Football, Strong Nation, Gymnastics, Yoga, Tennis, Cycling and Running for the sports category.
Meanwhile, for the arts category there are Dance Club, Vocal Group, and Photography. Apart from
that, there are also spiritual categories such as Islamic Spirituality, Christian Spirituality, and Hindu
Spirituality. The last category contains various interesting hobbies such as Diecast, Nature Lovers,
E-Sport, and Korean Corner.
BTPN club carries out 13 routine activities every week. BTPN Club also holds special events such
as Blood Donations which are starting to be held regularly every 3 months as well as fun games
which are participated by all Bank BTPN’s employees from Sumatra to Papua. The number of
cities actively participating in BTPN club during 2023 is 192 cities, which is led by 1 Champion in
each city.
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SAHABAT DAYA
T
his program offers Bank BTPN employees the opportunity to engage in community
empowerment through a variety of social initiatives and skills training aimed at
enhancing community well-being. Further information on Sahabat Daya can be found
in “Strengthening the Culture of Empowerment and Expanding the Impact” section on page 80.
beranda
B
eranda is a shared space with a variety of games where employees can take a moment
to relax during their busy work schedules. The area also includes a music studio and a
karaoke room for employees with a passion in music. Additionally, they also have the
option for group movie nights in the Beranda theater, featuring a wide screen and high-quality
sound system, allowing employees to enjoy popular movies and sports events.
110 Sustainability Report 2023 PT Bank BTPN Tbk
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Increasing Capacity for Sustainability Sustainability Report 2023 PT Bank BTPN Tbk 111
Page 118
PRIORITIZING
ENVIRONMENTAL
AND CLIMATE
COMMITMENTS
Bank BTPN integrates environmentally
friendly principles into all aspects
of its industrial operations through
the implementation of policies and
regulations, as well as monitoring
the bank’s operations with the aim
of reducing the negative impact of
business activities on the environment.
112 Sustainability Report 2023 PT Bank BTPN Tbk
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Prioritizing Environmental and Climate Commitments Sustainability Report 2023 PT Bank BTPN Tbk 113
Page 120
Bank BTPN is committed to building sustainable 1. Corporate Level
regional and national economic growth through the Bank BTPN provides financing for sustainable
adoption of energy-efficient practices and green businesses, such as:
investments. The company’s pursuit of its targets • Renewable energy industry.
aligns with its endeavors to establish a green • Projects related to energy efficiency initiatives.
business that mitigates climate change and prevents • Management of natural biological resources
environmental damage and overexploitation. and sustainable land use.
• Green transportation.
In terms of operations, the environmental impact of • Green buildings.
Bank BTPN’s business activities is limited to energy • Products that can reduce resource usage and
usage, water, and emissions and does not have a produce less pollution (eco-efficient).
direct and significant effect on the environment and 2. Individual Level
climate change. However, as a financial and banking Bank BTPN offers mutual fund investments with
service provider, Bank BTPN’s business activities carry an Environmental, Social, and Governance (ESG)
the potential risk of indirectly causing environmental theme through its Sinaya business line.
impacts, such as carbon emissions from projects
or business activities carried out by its customers In addition to covering sustainable financial practices,
(Financed Emissions). Bank BTPN’s RAKB also encompasses the bank’s
strategies and innovations to promote green
In response, Bank BTPN has implemented policies operations and mitigate the adverse impacts of the
and risk management strategies aimed at preventing company’s activities.
and minimizing environmental impacts and carbon
emissions resulting from its financing activities. This
commitment is being realized through the continuous Climate Strategy
expansion of the sustainable financing services Climate change affects all industries, including
portfolio, with the goal of achieving Net Zero Emission banking. For this reason, Bank BTPN has initiated the
(NZE) targets. This involves no longer financing or development of a framework to assess climate-related
being exposed to business activities that contribute to risks and opportunities in the short, medium, and long
emissions or industries that cause increased pollution term. [TCFD S1]
and temperature, thereby triggering climate change.
Climate-related issues that may arise in the short,
The company’s commitment to environmental medium, and long term and have financial impacts on
protection policies and climate change management Bank BTPN include: [TCFD S1]
is realized through the implementation of the RAKB. • Transition risks, such as changes in government
The RAKB, as mandated by the Financial Services policies and regulations, increasing costs of
Authority Regulation (OJK) 51/2017, is designed to low-emission technology, rising carbon prices,
ensure that the company’s operations and business stranded assets, changes in customer behavior,
activities align with the principles of sustainable changes in stakeholder and shareholder
finance and the SDGs by taking into consideration preferences, reputational damage due to financing
social and environmental aspects. activities in sectors sensitive to environmental
and social issues.
Bank BTPN’s RAKB encompasses the company’s • Physical risks, such as increasing of natural
strategic plan to introduce sustainable finance disasters at the debtor’s business locations, rising
programs allocating funding for sustainable projects, temperatures and sea levels.
such as clean energy initiatives and natural resource
management projects. Bank BTPN offers green To prepare for the implementation of climate-related
financing to both the corporate and individual levels, risk assessments, Bank BTPN undertakes the
including: [OJK F.28] following steps: [TCFD S2]
• Conducting studies on the current conditions,
such as existing sustainability policies and
products.
114 Sustainability Report 2023 PT Bank BTPN Tbk
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Prioritizing Environmental and
Climate Commitments
• Holding workshops with relevant departments to Green Building
discuss risks and opportunities to be developed The design and operation process of Bank BTPN’s
based on the current conditions. headquarters building incorporates the concept of
• Preparing a framework for implementing climate- green building, focusing on constructing a building
related risk assessments. with careful consideration of its environmental impact
to improve resource usage efficiency and create a
To mitigate climate issues, Bank BTPN has taken more comfortable environment for employees.
several initiatives: [TCFD S2]
1. Developing sustainable products, such as Green Bank BTPN’s headquarters building, the BTPN
Loan, Social Loan, Sustainability-Linked Loan, Tower, situated in the Mega Kuningan area of Jakarta,
ESG Mutual Funds, and ESG Deposit. has been awarded the Green Building certification
2. Adjusting credit policy and procedures. Greenship Gedung Baru V.1.2 from the Green
3. Striving to conserve electricity and reduce Building Council Indonesia with a Gold rating since
emissions from operational activities through a 2020. Currently, the building management of Bank
range of innovative measures, including organizing BTPN’s headquarters is in the process of renewing
electricity-saving competitions among branches, this certification.
promoting digital banking, providing shuttle buses
for employee commuting, and other initiatives. The Bank BTPN headquarters building implements
4. Conducting sustainability awareness campaigns the following strategies to create a green building:
for employees, customers, and suppliers 1. Utilizing sunlight as the primary source of lighting
5. Conducting environmental-themed campaigns 2. Reducing the use of partitions
through the bank’s internal and external media 3. Using energy-efficient LED lights
channels. 4. Installing motion sensors to automatically turn off
lights.
Currently, Bank BTPN has not set any climate related
scenarios, including 20C or lower scenario. [TCFD S3] In addition to reducing the company’s carbon footprint,
green office buildings enhance employee comfort by
fostering a healthier work environment. Optimal air
Climate Target [TCFD M1] quality is maintained through the use of open ceilings,
In order to manage the impacts of climate change, which facilitate the free circulation of fresh air, and
Bank BTPN, part of the SMBC Group, has set the ultraviolet germicidal irradiation technology, effectively
following targets and measurements: eliminating various airborne microorganisms.
• Net zero emissions (NZE) by 2030 for operational
activities The cleanliness of the building significantly impacts
• Net zero emissions (NZE) by 2050 for loan and employee comfort. Therefore, the office spaces utilize
investment portfolio epoxy floor coating, which has been proven effective
in inhibiting the growth of bacteria, germs, and fungi.
Furthermore, the SMBC Group has a Roadmap Healthy and satisfied employees are expected to work
Addressing Climate Change and has adopted the more productively and make a significant contribution
Equator Principles, providing guidelines for managing to the company.
the impacts of climate change.
Bank BTPN also carries out measurement of climate- Digital Services
related risks and opportunities through a range of Bank BTPN’s vision and mission revolve around
initiatives, such as: leveraging digital technology innovation to deliver
• For specific sectors, Bank BTPN is developing the highest quality of service to customers. Bank
stress tests, requiring debtors to meet BTPN develops digital banking services to streamline
environmental requirements with metrics set by customer transactions while also serving as a solution
official regulations. to reduce paper usage.
• Setting targets for the Sustainable Business
Activities Category (Kategori Kegiatan Usaha In addition, Bank BTPN utilizes digital calendar
Berkelanjutan/KKUB) portfolio, including financing technology to reduce the production of paper-based
for sustainable businesses, green transportation, calendars. In the reporting year, paper usage in Bank
and various other forms of environmentally related BTPN decreased by 3.2% compared to the previous
financing. year.
Sustainability Report 2023 PT Bank BTPN Tbk 115
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Bank BTPN offers comprehensive and innovative Environmental Education
digital banking services, eliminating the necessity Sustainable business operation relies heavily on
for customers to visit branch offices for their banking the awareness and comprehension of employees
needs. Consequently, customers can reduce their regarding the significance of environmental
reliance on vehicles, leading to a decrease in motor conservation. As a result, Bank BTPN offers training in
vehicle emissions. sustainable finance and green operations, including a
seminar on low-emission sustainable lifestyles under
the theme “Healthy People x Healthy Environment,”
taking place on July 21, 2023. This environmental
education seminar was attended by 227 participants.
Energy Usage
Paper Consumption
All company business activities, whether direct or
(reams)
indirect, have an impact on the environment through
57,009 the generated emissions. Bank BTPN records energy
usage at each branch office and its headquarters to
measure the efficiency of energy usage and identify
50,848 potential opportunities for savings.
49,204
Bank BTPN does not calculate energy consumption
outside the organization due to the absence of
significant energy usage processes outside the
organization [GRI 302-2]. Additionally, Bank BTPN
does not calculate emissions per product as its
operations do not involve specific physical products.
2023 2022 2021 [GRI 302-5]
Energy Consumption in the Organization [GRI 302-1][GRI 302-3][OJK F.6]
2023 2022 2021
Types of Energy
Volume GJ Volume GJ Volume GJ
Fuel (Liters) 1,019,766.20 1,393.06 1,107,463.00 36,546.28 1,184,063.85 39,074.11
Electricity (kWh) 18,542,154.51 66,751.76 18,632,568.19 67,077.25 19,359,664.18 69,694.79
Total energy 68,144.81 103,623.52 108,768.90
consumption
Number of 6,636 6,972 7,129
employees (people)
Energy consumption 10.27 14.86 15.26
intensity per
employee (GJ/
person)
Note:
1) Electricity usage in kWh is converted to Gjoules using The Greenhouse Gas Protocol Initiative, 2004.
2) Fuel usage in liters is converted to Gjoules using The Greenhouse Gas Protocol Initiative, 2004.
3) Fuel usage (Pertamax) in liters is calculated by dividing the total amount spent on fuel (in Rp) by the price of fuel per liter.
4) Fuel usage in liters is converted to gigajoules using The Greenhouse Gas Protocol Initiative, 2004.
5) Denominator chosen in calculating energy consumption intensity is the number of employees as of December 31st.
6) Recalculation of the energy consumption for the year 2021 was carried out due to a correction in the data of fuel usage for that year.
7) The types of fuel used are Pertalite, Pertamax, Pertamax Turbo, Pertamax Dex, and Dexlite. [GRI 302-1]
116 Sustainability Report 2023 PT Bank BTPN Tbk
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Prioritizing Environmental and
Climate Commitments
In 2023, Bank BTPN’s endeavors to improve electrical reduction in fuel usage due to variations in employees’
energy efficiency were realized through the initiative of commuting distances and modes of transportation.
installing a 20 kWp capacity solar panel at the Gunung
Sahari branch. Bank BTPN utilized this Renewable All initiatives to reduce energy consumption have
Energy (EBT) to meet the branch’s electricity needs. effectively reduced Bank BTPN’s energy consumption
This further solidifies Bank BTPN’s commitment to intensity per employee in 2023 by 4.59 gigajoules
sustainable development. per person compared to the previous year. This
figure was obtained from the calculation of the
Bank BTPN is committed to reducing energy difference in greenhouse gas emission intensity
consumption by encouraging all employees to from the use of fuel and electricity between
conserve electricity across all branch offices. Bank the current and the previous year. [GRI 302-4]
BTPN held an energy-saving competition in all
branch offices, resulting in a 1% energy saving from
the previous year [GRI 302-4] [OJK F.7]. In addition, Emission
Bank BTPN also implements various energy-saving Bank BTPN conducts emission calculations as a
initiatives, such as: metric used to assess climate-related risks and
1. Implementing the operation of room Air opportunities. This process involves accurate
Conditioning (AC) at a Temperature Setting of measurement and assessment of the company’s
24°C in the branch office. greenhouse gas emissions, taking into account
2. Using shuttle buses for employees to save on factors such as energy consumption and production
fuel. processes. By complying with regulatory guidelines
3. Selecting vendors in close proximity to the and industry standards, Bank BTPN ensures an
branches that require their services accurate assessment of its carbon footprint, leading
4. Utilizing energy-efficient lighting. to a comprehensive understanding of climate-related
5. Installing a lighting system in the BTPN Tower risks and opportunities.
Head Office with motion sensors to automatically
switch off lights in unoccupied rooms. This data-driven approach aligns with the company’s
6. Offering a comprehensive digital application strategy and risk management processes, enabling
service to reduce the need for customers to informed decision-making and proactive measures
physically visit Bank BTPN branch offices. to address climate-related challenges and leverage
opportunities for sustainable practices. Bank BTPN
Energy-saving initiatives at Bank BTPN also include conducts management of greenhouse gas emissions
adjusting employees’ work schedules, allowing them to by tracking emissions and implementing energy-
work remotely on certain days. While this arrangement saving programs with the goal of controlling the
undoubtedly decreases fuel consumption, the bank emissions generated. [TCFD M3]
faces challenges in accurately measuring the resulting
Greenhouse Gas Emissions in Tons CO2e
[GRI 305-1] [GRI 305-2] [GRI 305-3] [GRI 305-4] [OJK F.11] [TCFD M2]
Emissions Source 2023 2022 2021
Scope 1 (Fuels) 2,506.91 2,722.30 2,910.64
Scope 2 (Electricity) 16,437.87 16,526.49 17,226.33
Total GHG Emissions (Scope 1 and 2) 18,944.79 19,248.79 20,136.97
Number of Employees 6,636 6,972 7,129
GHG Emissions Intensity/Employee 2.85 2.76 2.82
(Scope 1 and 2)
Scope 3
Business Travel 173.17 114.48 7.62
Financed Emission* 228,678.98 - -
Total GHG Emissions (Scope 3) 228,852.15 114.48 7.62
Notes:
1. Calculation of GHG emissions from fuel usage (Pertamax) is based on the reference Technical Guidelines for calculating the baseline of energy-based sector GHG emissions, Bappenas, 2014.
2. Calculation of GHG emissions from electricity consumption is carried out based on the provisions of the Directorate General of Electricity of the Ministry of Energy and Mineral Resources, 2017.
3. Calculation of GHG emissions from official travel is carried out in accordance with the standards of the International Civil Aviation Organization (ICAO).
4. Denominator chosen in calculating the GHG emission intensity is the number of employees as of December 31.
5. The fuel consumption data for 2021 has been revised, along with the emission factors (for all gasoline types except Pertamax Turbo) used in the calculations for 2021, 2022, and 2023. Therefore,
adjustments have been made to the emission calculations as follows:
a) For emission source - coverage 1 year 2022: recalculation has been performed using adjusted emission factors.
b) For emission source - coverage 1 year 2021: recalculation has been performed using adjusted emission factors and corrected 2021 data.
6. *Notes on Financed Emissions are included in the narrative, following this table.
Sustainability Report 2023 PT Bank BTPN Tbk 117
Page 124
Energy savings throughout Bank BTPN’s branch years, and particularly in 2022. As of the preparation
offices in 2023 led to a significant reduction in electricity of this report, none of the debtors have published a
usage, leading to a reduction in emission of 304 tons Sustainability Report for 2023. Therefore, the report
CO2e [GRI 305-5][OJK F.12]. The calculation is based presents the Financed Emissions for the 2022 period.
on the reduction in emissions in 2023 compared to the
previous year, taking into account CO2 gas emissions
in scopes 1 and 2. Water [OJK F.8]
Bank BTPN does not utilize water for production or
Bank BTPN did not include Ozone Depleting
other business processes, but solely for domestic
Substances (ODS) in its calculations as the bank’s
purposes such as sanitation and office upkeep. The
operations do not significantly involve the use of these
bank does not calculate water consumption, as it
substances. Furthermore, Bank BTPN also did not
is deemed to be a component of the building rental
calculate Nitrogen oxides (NOX), Sulfur oxides (SOX),
facilities.
and other pollutants, as they are not relevant to the
bank’s business activities. [GRI 305-6] [GRI 305-7]
Waste [OJK F.13] [OJK F.14]
FINANCED EMISSIONS The primary type of waste produced by Bank BTPN’s
In 2023, Bank BTPN initiated the calculation of operations is paper waste. Nevertheless, the quantity
carbon emissions of its corporate debtors. The of paper waste has significantly diminished following
emission calculation, particularly falling under scope 3 the implementation of the Front End System (FES)
category 15, includes Financed Emissions utilizing the digital information system in 2016. This system allows
Partnership for Carbon Accounting Financials (PCAF, customers to access it online, eliminating the need
for paper in account opening processes and other
2022) standard. Bank BTPN calculates Financed
banking transactions.
Emissions using option 1: Reported Emissions, which
Bank BTPN strives to reduce waste from its operational
is an emissions calculation based on the sustainability
activities by sorting organic and inorganic waste.
report of the debtors.
Inorganic waste, such as plastic and paper, is
sorted and collected for reuse. In 2023, Bank BTPN
During the corporate debtor screening process, Bank
strengthened this initiative by collaborating with
BTPN identified 25 debtors who have disclosed
environmental organizations to repurpose the collected
emissions data in their sustainability reports, as
inorganic waste.
published by the corporations over the past three
118 Sustainability Report 2023 PT Bank BTPN Tbk
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Prioritizing Environmental and
Climate Commitments
Furthermore, in an effort to reduce plastic waste, Further implementation is determined by the policies
Bank BTPN actively promotes the use of refillable of each Board of Directors (BOD) and Board of
water bottles among its employees. The company has Management (BOM). The Dolfin framework referred to
implemented a reverse osmosis system to provide is as follows:
high-quality, eco-friendly drinking water, eliminating 1. Identifying a list of activities for each work unit.
the need for plastic bottled water. Waste management 2. Providing tools for accurate check-in/out processes.
is overseen by a third-party certified by the building 3. Providing tools to monitor employees with access to
owner, and as such, the company does not monitor sensitive bank data/information.
waste quantities. 4. Providing tools to monitor tasks assigned to
employees.
5. Providing tools to facilitate the digital approval
Dolfin Project Initiative (Digital process for documents.
Workspace Flexi Office in New Normal)
It is expected that the Dolfin Project will yield the
Despite the pandemic being over, Bank BTPN views
following maximum outcomes:
the opportunity for employees to work from home as
1. Monitoring of employee working hours and
a method to conserve energy and reduce emissions
locations
from employee commuting. Additionally, this project
2. Ensuring individual and departmental performance
aligns with KPIs
3. Improving information security during Work From
Home (WFH)
4. Reducing paper usage for administrative
processes and transitioning to digital systems
The Dolfin Project has been implemented since
2022 and has been gradually implemented in
five directorates: Operations, Human Resources,
Compliance, Legal, Corporate Secretary (CLCS),
Risk Management, and Internal Audit. The beneficial
impacts of the Dolfin Project are evident among
employees, including:
1. Improved mental well-being for employees,
particularly those with young children and long
commutes to the office, in managing their work.
2. Implementing Work From Anywhere (WFA) with a
combination of WFH and WFO to enhance office
space and utilities efficiency.
reduces energy consumption and emissions in the
In relation to environmental expenses, Bank BTPN
office by reducing the use of office space, thereby
does not specifically itemize environmental living
contributing to a reduction in electricity usage.
costs, as they are included in other expenses, such as
green building maintenance, emission management
However, to ensure seamless work operations and
costs, and other related expenses. [OJK F.4]
the effectiveness of implementing Work From Home
(WFH), Bank BTPN introduced the Dolfin initiative as
a solution and mitigation for this situation through the
implementation of attendance and surveillance, as well
as a digital workspace. The Dolfin framework serves
as a fundamental requirement for its implementation.
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INNOVATION IN
SUSTAINABLE
GOVERNANCE
Bank BTPN continues to innovate in
the practice of governance to consider
climate impact and advance green
economy as a manifestation of a deep
awareness to actively participate in
efforts to mitigate climate impact and
commitment to sustainability.
120 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
Sustainable Governance
Sustainability Report 2023 PT Bank BTPN Tbk 121
Page 128
Bank BTPN is committed to transforming into a Committee for Governance Policy (Komite
sustainable finance institution by integrating ESG Nasional Kebijakan Governansi/KNKG).
aspects into its overall banking governance practices. 6. Bank’s Articles of Association.
Good Corporate Governance (GCG) practices are 7. Bank Policies and Procedures.
implemented to enhance customer trust and ensure
transparent, credible, and accountable operational Ensuring compliance with legal regulations in the
activities to all stakeholders. implementation of Good Corporate Governance (GCG)
fosters positive relationships between the company’s
Therefore, in its execution, Bank BTPN complies with organs and external stakeholders in carrying out their
regulations, various applicable standards, and best duties and responsibilities to achieve the company’s
practices at both national and international levels. The objectives. Bank BTPN employs diverse governance
legal bases for Bank BTPN’s governance include: strategies that align with business ethics and
1. Law No. 40 of 2007 concerning Limited Liability applicable regulations, including:
Companies. 1. Preventive action,
2. Law No. 10 of 1998 concerning amendments to 2. Early detection,
Law No. 7 of 1992 concerning Banking. 3. Corrective action,
3. OJK Regulation No. 17 of 2023 concerning the 4. Supervision with the four-eyes principle,
Implementation of Governance for Commercial 5. Segregation of duties,
Banks. 6. Audit trail.
4. OJK Regulations, including those governing the
Audit Committee, Nomination and Remuneration
Committee, Board of Commissioners and Governance Structure [GRI 2-9]
Directors, General Meeting of Shareholders,
Bank BTPN’s governance structure is established in
Internal Audit, Public Accountants and Public
accordance with Law No. 40 of 2007, stipulating a
Accounting Firms, as well as Compliance Director
governance structure comprising the General Meeting
and Corporate Secretary.
of Shareholders (GMS), the Board of Commissioners,
5. General Guidelines for Good Corporate
and the Board of Directors.
Governance in Indonesia from the National
General Meeting of Shareholders
Board of Commissioners President Director
Board of
Director
Audit Committee
Internal Audit Unit Risk Management Committee
Risk Monitoring Committee
(AIU) Asset and Liability Committee
Remuneration and Credit Committee
Nomination Committee
Credit Policy Committee
Governance
Committee IT Steering Committee
Human Capital Committee
Information Governance Steering Committee
Fraud Committee
Sustainability Committee
Corporate Secretary Compliance Risk Management
122 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
Sustainable Governance
General Meeting of Shareholders 2. Overseeing the implementation of the Board
(GMS) of Directors’ duties and responsibilities and
The General Meeting of Shareholders (GMS) is providing advice to the Board of Directors.
the highest organ in the company responsible for 3. Directing, monitoring, and evaluating the
making important decisions related to the company. execution of the Bank’s strategic policies.
According to the law, the authority held by the GMS 4. Allocating sufficient time to effectively carry out its
is not delegated to the Board of Commissioners and duties and responsibilities.
the Board of Directors. The authorities of the GMS 5. Ensuring that the Board of Directors has followed
include: up on audit findings and recommendations
1. Approval of company reports, such as corporate from the internal audit unit of the Bank, external
governance (GCG) implementation reports, board auditors, the Financial Services Authority’s
of commissioners’ supervisory task reports, supervision, and/or the supervision of other
financial reports, and annual reports; regulatory bodies.
2. Determination of the use of profits and/or 6. In carrying out the supervision as referred to in
company losses; point 2, the Board of Commissioners is prohibited
3. Changes in the composition of the Board of from being involved in making decisions regarding
Commissioners and the Board of Directors; the Bank’s operational activities, except for:
4. Determination of the amount of salaries and 1) Providing funds to related parties as regulated
allowances for members of the Board of in the Financial Services Authority provisions
Commissioners and the Board of Directors, and on the Maximum Limits of Commercial Bank
others. Credit Provision; and
5. Appointment of public accountants and/or public 2) Other matters stipulated in the Bank’s Articles
accounting firms. of Association or applicable regulations.
6. Approval of company resolution plans. 7. Duty of care
7. Elaboration of company reports including the The Board of Commissioners is responsible for
bank’s business plan, sustainable finance action carrying out its duties and responsibilities in good
plan, and company action plan. faith and based on the principle of prudence
and professionalism. In this regard, the Board of
Bank BTPN convenes General Meeting of Shareholders Commissioners must, among other things:
(GMS) at a minimum once a year, and if necessary, an • Always act honestly and in a good faith.
Extraordinary GMS can be convened. In the reporting • Always use the principle of prudence in
year, Bank BTPN convened 1 Annual GMS on April 13, decision-making.
2023, and 2 Extraordinary GMS on June 22, 2023, and • Not cause the Company to violate applicable
December 7, 2023. provisions.
• Attend and actively participate in Board of
Commissioners meetings.
Board of Commissioners • Ensure the efficient and effective
implementation of the internal control system.
The Board of Commissioners is the highest supervisory
8. Duty of loyalty
body within a company, responsible for overseeing
The Board of Commissioners in its decision-
strategic policies, decision-making, and the activities
making must be carried out solely for the benefit
of the Board of Directors. The Board of Commissioners
of the Bank, and in this regard, personal or
is tasked with safeguarding shareholders’ interests by
group interests must be set aside in favor of the
ensuring that the company’s operations comply with
company’s interests. In this regard, the Board of
applicable laws and regulations, as well as upholding
Commissioners is prohibited from:
good corporate governance principles to promote the
• Having direct or indirect transactions with
company’s success.
the Bank without first disclosing their related
interests and obtaining the approval of the
In general, the Board of Commissioners has the
Board of Commissioners and/or the General
following duties and responsibilities:
Meeting of Shareholders.
1. Ensuring the implementation of corporate
• Utilizing the Bank, including but not limited
governance across all levels of the organization in
to using the Company’s assets and facilities,
every aspect of the Bank’s operations.
for personal, family, and/or other parties’
interests that may harm or reduce the Bank’s
profits.
Sustainability Report 2023 PT Bank BTPN Tbk 123
Page 130
• Disclosing non-public information to third The Board of Directors establishes committees to
parties. manage specific areas and assist in the operational
• Taking and/or receiving personal benefits management of the company. These committees
from the Bank other than remuneration and include:
other facilities determined by the General 1. Asset and Liability Committee
Meeting of Shareholders. 2. Risk Management Committee
• Using internal information for personal gain. 3. Information Technology Steering Committee
9. Evaluate, direct, and monitor the strategic plan for 4. Credit Policy Committee
Information Technology (IT); and 5. Credit Committee
10. Evaluate, direct, and monitor the implementation 6. Information Governance Steering Committee
of IT governance. 7. Human Capital Committee
8. Fraud Committee
The Board of Commissioners has supporting 9. Sustainability Committee
structures (committees), as follows:
1. Audit Committee, The Board of Commissioners and the Board of Directors
2. Remuneration and Nomination Committee, lead Bank BTPN independently without any overlapping
3. Risk Monitoring Committee, positions between the two corporate bodies. The
4. Corporate Governance Committee. independence of the Board of Commissioners and the
Board of Directors is crucial for them to carry out their
Each committee is tasked with conducting reviews duties and responsibilities objectively and free from the
and oversight in accordance with the duties and influence of other parties that may cause conflicts of
responsibilities outlined in the guidelines and working interest.
regulations specific to each committee.
Bank BTPN ensures the independence of the Board of
Commissioners and the Board of Directors by ensuring
Board of Directors that: [GRI 2-11]
The Board of Directors is tasked with managing the 1. They do not have any direct or indirect business
company and representing the company in and out relationship related to Bank BTPN’s business
the court. The Board of Directors is responsible activity;
for the daily operations and the implementation of 2. They do not hold concurrent positions as directors
policies established by the Board of Commissioners. or executive officers overseeing the bank.
In general, the Board of Directors holds the following 3. They do not have family relationships up to the
duties and obligations: second degree with other members of the Board
of Commissioners and/or the Board of Directors.
1. The Board of Directors shall be fully responsible
for the implementation of the Bank’s management. The committees within the Board of Commissioners
2. The Board of Directors shall manage the Bank in and the Board of Directors mentioned above are
accordance with its authority and responsibilities accountable for overseeing Bank BTPN’s impact on
as stipulated in the Articles of Association and the economy, environment, and society, within their
prevailing laws and regulations. respective roles and responsibilities. The Board of
3. The Board of Directors shall implement the Directors’ performance is assessed in an objective,
principles of corporate governance in all business transparent, and accountable manner using Key
operations of the Bank across all organizational Performance Indicators (KPIs) agreed upon with the
levels. Board of Commissioners. [GRI 2-9]
4. The Board of Directors shall follow up on
audit findings and recommendations from the
Internal Audit unit, external auditors, supervisory
examinations by the Financial Services Authority
and/or other authorities.
124 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
Sustainable Governance
Board of Commissioners [GRI 2-9]
The Board of Commissioners is non-executive body that operates independently from the Board of Directors.
Name Position Gender Tenure Competence
Chow Ying Hoong President Commissioner Male 2022-2025 Economy
Takeshi Kimoto Commissioner Male 2022-2025 Economy
Ninik Herlani Masli Ridhwan Independent Commissioner Female 2022-2025 Economy
Onny Widjanarko Independent Commissioner Male 2023-2025 Economy
Edmund Tondobala Independent Commissioner Male 2022-2025 Economy
Ongki Wanadjati Dana Commissioner Male 2022-2025 Economy
Name Position and Other Commitment Representative of Stakeholder
Chow Ying Hoong Senior Regional Advisor, Asia Pacific Non-Independent, representing the interests
Division of Sumitomo Mitsui Banking of the controlling shareholder.
Corporation
Takeshi Kimoto Executive Officer, Managing Director of Non-Independent, representing the interests
Asia Growing Markets Department of of the controlling shareholder.
Sumitomo Mitsui Banking Corporation
and Sumitomo Mitsui Financial Group
Ninik Herlani Masli Ridhwan Independent
Onny Widjanarko Independent
Edmund Tondobala Independent
Ongki Wanadjati Dana Commissioner of PT Bank BTPN Non-Independent due to the absence of a
Syariah Tbk cooling-off period from the previous position
as the President Director of Bank BTPN,
thus deemed to have an affiliation with Bank
BTPN
Board of Directors [GRI 2-9]
The Board of Directors is an executive body that operates independently from the Board of Commissioners.
Name Position Gender Tenure Competence
Henoch Munandar President Director Male 2022 -2025 Economy
Kaoru Furuya Deputy President Director Male 2022 -2025 Laws
Darmadi Sutanto Deputy President Director Male 2022 -2025 Civil Engineer
Dini Herdini Compliance Director Female 2022 -2025 Laws
Atsushi Hino Director Male 2023 -2025 Business and Commercial Science
Keishi Kobata Director Male 2023 -2025 Information Engineering
Merisa Darwis Director Female 2022 -2025 Information Technology
Hanna Tantani Director Female 2022 -2025 Economy
Sustainability Report 2023 PT Bank BTPN Tbk 125
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Nomination and Selection of Board well as diversity of composition without discriminating
of Commissioners and Directors based on race, ethnicity, gender, and religion.
[GRI 2-10]
The Remuneration and Nomination Committee
Board of Commissioners proposes selected candidates to the Board of
Commissioners for approval and ratification at the
Policies and Procedures
General Meeting of Shareholders. However, prior to
The policy for nominating members of the Board of
this, the Board of Commissioners must have passed
Commissioners is carried out in the context of the
a fit and proper test before carrying out their duties.
election and/or replacement of members of the Board
The Bank’s management must meet the requirements
of Commissioners, to subsequently be presented at
of integrity, competence, and financial reputation.
the General Meeting of Shareholders. The candidate
As of December 2023, all members of the Board of
selection process is carried out by the Remuneration
Commissioners have met the requirements to pass
and Nomination Committee. The committee takes into
the fit and proper test.
account competence, professional experience, as
Nomination Process for Candidates of Board of Commissioners
PROPOSAL SELECTION &
RECOMMENDATION DECISION
1. Proposed Board of 3. Selection process by 5. Approval from the OJK for the proposed
Commissioners candidates the Remuneration and candidates for the Board of Commissioners.
from the Shareholders/ Nomination Committee, 6. Submission of recommendations from the
Directors/ Commissioners. including: Remuneration & Nomination Committee to
2. Submitting the candidates a. Analysis of Competence the Board of Commissioners.
list to the Remuneration and and background of the 7. The Board of Commissioners proposes
Nomination Committee. candidates. candidates to the General Meeting of
b. Interview (if needed). Shareholders (GMS) taking into account the
4. Submitting the F&P test recommendations from the Remuneration &
result to OJK. Nomination Committee.
8. GMS’s Decision regarding the composition of
the Board of Commissioners.
9. Notifying OJK on the changes in the
composition of the Board of Commissioners.
Board of Directors The Remuneration and Nomination Committee
proposes selected candidates to the Board of
Policies and Procedures
Commissioners for approval and ratification at the
The policy for nominating members of the Board
General Meeting of Shareholders. However, prior
of Directors is carried out in order to select and/
to this, the Board of Directors must pass a fit and
or replace members of the Board of Directors, to
proper test before assuming their duties. The Bank’s
subsequently be presented at the General Meeting
management must meet the requirements of integrity,
of Shareholders. The candidate selection process
competence, and financial reputation. As of December
is carried out by the Remuneration and Nomination
2023, all members of the Board of Directors have met
Committee. The committee takes into account
the requirements to pass the fit and proper test.
competence, professional experience, and diversity
of composition without discriminating based on race,
ethnicity, gender, or religion.
126 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
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Nomination Process for Candidates of Board of Directors
SELECTION &
PROPOSAL DECISION
RECOMMENDATION
1. Proposal of members of 1. The Selection Process by the 5. Approval from the OJK for the proposed
the Board of Directors from Remuneration & Nomination Board of Directors candidates.
Shareholders/Directors/ Committee includes: 6. Submission of recommendations
Commissioners. a. Analysis of the from the Remuneration & Nomination
2. Submission of proposed candidates’ Committee to the Board of
Director candidates to the competencies and Commissioners.
Remuneration & Nomination backgrounds. 7. The Board of Commissioners proposes
Committee. b. Interviews (if necessary). Director candidates to the General
2. Submission of the Fit & Meeting of Shareholders (GMS) while
Proper Test process to the considering the recommendations
OJK. from the Remuneration & Nomination
Committee.
8. GMS’s Decision regarding the
composition of the Board of Directors.
9. Notifying OJK on the changes in the
composition of the Board of Directors.
Conflict of Interest [GRI 2-15] 4. Employees are prohibited from engaging in any
Conflict of interest impedes a company’s performance personal business or enterprise that interferes
when its members prioritize personal interests, leading with or compromises their professionalism and
to biased decisions that harm the shareholders or integrity while employed at Bank BTPN.
other stakeholders. Conflict of interest can lead to 5. Employees are prohibited from offering any other
the loss of trust from stakeholders, affecting the products/services/businesses other than the
company’s reputation and competitiveness. bank’s offerings to bank customers.
6. Employees are prohibited from processing a loan
As a result, Bank BTPN has formulated policies and application or selecting vendors who are their
procedures aimed at preventing conflicts of interest, family members and relatives. In such cases,
outlined in the Bank BTPN Code of Conduct and employees are required to notify their manager,
disseminated to all Bank BTPN personnel. The bank who will then assign the loan processing or vendor
employs various strategies to identify and prevent selection to other employees.
potential conflicts of interest within the organization,
including: Bank BTPN enforces several regulations to prevent
1. Employees are prohibited from accepting or conflicts of interest, including:
soliciting any form of gift from employees/ 1. Implementing the “Four-Eyes Principle”;
prospective employees, customers/prospective 2. Separating functions and responsibilities that may
customers, partners/prospective partners in cause a conflict of interest;
exchange for services that are already part of their 3. Ensuring the implementation of Good Corporate
job responsibilities. Governance (GCG) to prevent conflicts of interest
2. Employees must report to Human Resources (HR) in all Bank BTPN’s operations, including vendor
should there be any family-bond relationships selection process, procurement of goods and
with other employees/candidates. HR is required services, and entertainment of third parties;
to note it down in each employee’s personal file 4. All potential conflicts of interest aspects are closely
as one of the considerations relating to transfer monitored and managed by independent entities,
and/or promotion. including internal audit teams and external public
3. Employees are prohibited from entering into accountants.
employment agreements with any other parties
during their working hours, and/or earning income
other than from Bank BTPN related to their job or
position in the Bank.
Sustainability Report 2023 PT Bank BTPN Tbk 127
Page 134
The Bank BTPN Code of Conduct is enforced by Bank channel funds to sustainable projects and industries.
BTPN’s Board of Commissioners and the Board of The bank ensures that potential debtors comply with
Directors to reduce the potential of conflicts of interest. environmental and social regulations through several
In the event of a conflict of interest, the matter will be policies, including:
addressed and disclosed to the relevant stakeholders 1. Ownership of Environmental Impact Analysis
in accordance with the established policy. (AMDAL) as one of the legal aspects for debtor’s
business in a certain segment.
2. Performance Achievement in the Company’s
Policy Commitments [GRI 2-23] Performance Rating Program in Environmental
Members of the Board of Commissioners, the Board of Management (PROPER) from the Ministry of
Directors, and employees of Bank BTPN are required Environment and Forestry.
to carry out their responsibilities in accordance with 3. Requirements for corporations in the plantation
the company’s integrity principles in order to maintain sector to own a Plantation Business Permit (IUP),
the trust and loyalty of customers. Bank BTPN’s a Cultivation Plantation Business Permit (IUP-B), a
commitment to fostering an industrial relationship Plantation Business Permit - Processing (IUP-P),
founded on integrity principles is manifested in the a Plantation Business Registration Certificate
Bank BTPN Code of Conduct, serving as the basis for (SPUP), and a Roundtable on Sustainable Palm
the conduct of all individuals within Bank BTPN. Oil (RSPO) Certificate for those exporting palm oil
industry.
The integrity-related policy commitments outlined in 4. All corporations operating in forest cultivation
the Bank BTPN Code of Conduct include: are required to own a Forest Stewardship
1. Compliance and risk management Council (FSC) Certificate or Programme for the
2. Conflict of interest Endorsement of Forest Certification (PEFC).
3. Establishing a conducive work environment by: 5. And other requirements in accordance with the
a. Ensuring fair treatment for all employees prevailing laws and regulations.
b. Preventing discrimination and harassment
c. Maintaining workplace safety
d. Proper use of company facilities The Board of Directors has established this series
e. Conducting activities outside the company of policies to be integrated into all Bank BTPN’s
f. Appropriate use of social media business activities. The bank strives to foster a culture
g. Communication through LInK and HELP of sustainability by conducting dissemination on
h. Implementing the Know Your Employee environmental and social policies to all individuals within
guidelines Bank BTPN and all parties working with Bank BTPN
4. Information management and security through direct communication, training, email, e-learning,
5. Relations with stakeholders integrity pacts, and dissemination via Bank BTPN’s
a. Relations with customers website.These policy commitments can be found on the
b. Anti-money laundering Bank BTPN website: https://www.btpn.com/id/tentang-
c. Relations with partners or business associates kami.
d. Relations with regulators
e. Relations with shareholders and subsidiaries
f. Bribery and corruption Commitment for Responsible
g. Giving and receiving entertainment and gifts Business Conduct [GRI 2-24]
h. Insider information and personal investment Bank BTPN is committed to conducting its business
transactions activities in an ethical, transparent, and sustainable
manner, as outlined in its business strategy, Standard
In addition to governance policies, Bank BTPN Operational Procedure (SOP), and guidelines. When
prioritizes human rights in its employment practices. collaborating with external parties, Bank BTPN ensures
The company’s employee management policies that this commitment is effectively communicated to
adhere to both Indonesian regulations and international its business partners.
labor standards, including the International Labour
Organization (ILO) conventions. Bank BTPN conducts a range of activities, including
training, socialization, and the signing of anti-fraud
Bank BTPN is also committed to contributing to address integrity pacts and ethical codes, to ensure that all
climate change through green financing schemes that business activities align with the company’s ethical
standards.
128 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
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These activities encompass anti-fraud awareness Bank BTPN strives to establish a clean work
training, entertainment and gift training, induction environment free from any violations, whether they
of the Bank BTPN Code of Conduct, and data are committed by employees, management, or other
confidentiality governance training. parties associated with the company. For this reason,
Bank BTPN has implemented a Whistleblowing
Bank BTPN also integrates compliance and respect System, allowing stakeholders to submit complaints
for Human Rights as an integral part of the company’s and report fraud or ethical violations. This system is
business operations, across all aspects and business designed to provide convenience for both internal
lines of the company. Bank BTPN ensures that external and external parties of Bank BPTN when submitting
parties as its partners are committed to upholding complaints or reports. Further information on the
human rights in accordance with the United Nations Whistleblowing System can be found on page 134.
Guiding Principles on Business and Human Rights,
or have at least complied with relevant human rights
regulations in Indonesia. Internal Control System
Internal control system is crucial for ensuring good
Bank BTPN has adopted a human rights-centered
corporate governance. Bank BTPN is committed
approach by integrating the Modern Slavery Act in its
to upholding integrity and enhancing operational
labor aspects. The Modern Slavery Act aims to address
effectiveness and efficiency through an internal control
modern slavery practices, human trafficking, and
system based on the three lines of defense model,
labor exploitation. This act is designed to encourage
ensuring that each unit operates independently. The
companies to identify and reduce the risk of modern
functions and responsibilities of the Three Line of
slavery in their supply chains. This commitment is
Defense in Bank BTPN’s internal control system are
realized through the enforcement of the Modern
as follows:
Slavery Act screening against Bank BTPN’s business
partners.
1. The First Line of Defense comprises the Business
and Support Units, also known as Risk-Taking Unit
To enforce the Modern Slavery Act and Human Rights,
responsible for directly managing and controlling
Bank BTPN also strives to enhance vendor capacity
operational risks in all their work activities with
by organizing human rights seminars. These seminars
discipline. At the operational level, the bank has
aim to raise awareness and understanding of relevant
established a Quality Assurance (QA) function to
human rights issues. By taking this approach, Bank
support the Risk Taking Unit (RTU) in managing
BTPN not only ensures compliance with relevant
daily operational risks.
regulations but also plays an active role in educating
2. The Second Line of Defense comprises the
and promoting social responsibility among its business
Risk Management Unit (RMU) along with the
partners.
Compliance Unit and other related units. These
units serve as risk overseers responsible for
developing frameworks, policies, procedures,
Processes to Remediate Negative
methodologies, and tools to define, refine,
Impacts [GRI 2-25]
coordinate, and ensure the overall risk
Bank BTPN strives to minimize the negative impact management implementation across all units.
caused by its business operations by adhering to risk 3. The Third Line of Defense is Internal Audit, which
management principles, including internal control conducts independent assessments and reviews
systems, data and information leakage mitigation to ensure that inherent risks have been managed
systems, and other relevant measures. and are within the established risk tolerance and
appetite. Internal Audit carries out supervision and
In terms of environmental impact, Bank BTPN always assessment of risk management, the effectiveness
strives to minimize significant negative impacts on the of internal controls, and governance processes
environment through selective credit disbursement in all aspects of Bank BTPN’s operations. This
processes and responsible operational management. oversight is extends to the first and second lines
Bank BTPN also applies Social Return On Investment of defense.
(SROI) analysis to the programs and activities carried
out by the company in an effort to better understand Periodically, Internal Audit assesses systems and
the environmental and social impacts and to ensure procedures aimed at safeguarding Bank BTPN’s
that the company continues to prioritize sustainability assets, ensure the accuracy and reliability of
in its business practices. accounting data, and safeguard the funds of the public
Sustainability Report 2023 PT Bank BTPN Tbk 129
Page 136
and other third parties. Additionally, assessments are Bank BTPN conducts risk identification for all its
conducted on a range operational activities at Bank business activities to ensure sufficient controls and
BTPN, including customer service, infrastructure, prevent various risks, including fraud. Bank BTPN has
human resources, and other activities that may pose found 45 processes with a high level of risk, or 7.29%
financial and reputational risks. of the total processes at Bank BTPN. [GRI 205-1]
The findings of these assessments are communicated The tangible manifestation of Bank BTPN’s
to the President Director, Board of Commissioners, commitment to combating fraud is demonstrated
Audit Committee, and the Board of Directors if through the implementation of signing anti-fraud
applicable. Additionally, Internal Audit undergoes an integrity pacts and codes of conduct, as well as
independent assessment once every three years to the dissemination of anti-fraud awareness via
verify compliance with relevant standards and the e-newsletters, B Connect, Now You Know, News
reliability of the audit process. Sharing, Email Blast, Desktop Wallpaper, and the
implementation of training and e-learning to raise
awareness of fraud risks. Bank BTPN provides a
Prevention and Eradication of Fraud whistleblowing mechanism for internal and external
Fraud is a deliberate act of deviation or omission parties to report suspected fraud, ethical, and integrity
aimed at deceiving, cheating, or manipulating a bank, violations.
customer, or other party. This can occur within the
bank’s environment and/or using its facilities, leading Bank BTPN’s anti-fraud education covers several
to financial losses for the bank, customer, or other topics, including:
party, while the perpetrator gains direct or indirect • Definition of fraud;
financial benefits. Fraud can manifest as corruption, • Anti-fraud strategies;
bribery, asset misuse, report manipulation, document • Classification of fraud;
forgery, and other actions that can harm the company’s • Background of fraud occurrences;
reputation and erode the trust of customers, investors, • How to prevent fraud;
and other stakeholders. • Sanctions for perpetrators of fraud and parties
involved in fraudulent activities; and
Bank BTPN has adopted a zero-tolerance approach to • Various means to report indications or occurrences
fraud and has implemented a comprehensive system of fraud.
to prevent various fraudulent activities in accordance
with the OJK Regulation No. 39/POJK.03/2019
concerning the Implementation of Anti-Fraud Strategy
for Commercial Banks.
Communication and Training on Anti-Corruption/Anti-Fraud by Regions [GRI 205-2]
The Organization Communicated About
Attended Anti-Corruption/Anti-
Anti-Corruption/Anti-Fraud Policies and
Fraud Training
Procedures
Percentage
Total Percentage From Total
From The Total
(Employee) The Total Employee (Employee)
Employee
Greater Jakarta 3,206 48% 3,022 47%
Java 1,831 28% 1,786 28%
Outside Java 1,592 24% 1,565 25%
TOTAL 6,629 100% 6,373 100%
130 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
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Communication and Training on Anti-Corruption/Anti-Fraud by Employee Categories [GRI 205-2]
The Organization Communicated About Attended Anti-Corruption/Anti-
Anti-corruption/Anti-Fraud Policies and Fraud Training
Procedures
Total Number Percentage From Total Number Percentage
of Participants The Total Employee of Participants From The Total
(Participant) (Participant) Employee
Board of Management 10 0,2% 8 0,1%
Top Management 177 2,7% 170 2,7%
Senior management 740 11,2% 712 11,2%
Management 2,881 43,6% 2,747 43,2%
Officer/Supervisor 1,586 24,0% 1,527 24,0%
Clerical 1,215 18,4% 1,195 18,8%
TOTAL 6,609 100% 6,359 100%
All members of the Board of Commissioners and Directors of Bank BTPN, both in Indonesia and abroad, have
completed anti-fraud training via regular e-Learning sessions.
Bank BTPN has also communicated anti-fraud measures to its business partners collaborating with the bank
through sharing sessions and notification letters. The data of business partners collaborating with the bank is as
follows:
Business Partners Receiving Anti-Corruption/Anti-Fraud Communication [GRI 205-2]
Description Total %
Service Provider 446 75%
Supplier 148 25%
TOTAL 594 100%
Bank BTPN enforces strict measures and imposes of interest involving Bank BTPN employees. These
sanctions on individuals involved in fraud, ethical reports are expected to be made in good faith
misconduct, and breaches of integrity. Any employees, and should not stem from personal grievances or
management personnel, or business partners found defamation.
to be in violation of the regulations will be subject to
sanctions based on the nature of the offense. These Bank BTPN shall follow up on the complaints
sanctions may include written warnings, demotion, submitted according to the following criteria:
termination of employment, and claims for damages. 1. Whistleblowers must provide their identity,
Bank BTPN does not disclose the number of fraud including their name (anonymous is allowed).
cases due to confidentiality reasons. [GRI 205-3] 2. Active phone number/email for follow-up.
3. Reports must at least explain (4W1H): what
happened (what), the parties involved (who), time
Whistleblowing System of incident (when), place of the incident (where),
[GRI 2-26] [FN-CB-510a.2] and how did it happen (how).
In an effort to improve business transparency, prevent
fraud and ethical violations, and uphold integrity, Bank Bank BTPN guarantees the confidentiality of the
BTPN has implemented a violation reporting system whistleblower’s personal data and provides assurance
via whistleblowing channels. of protection against any form of pressure related to
the complaints submitted by the whistleblower. Bank
Whistleblowing channels provide a platform for BTPN upholds the principle of protecting human rights
individuals to report incidents related to fraudulent and ensures the confidentiality of the whistleblowers.
activities, legal violations, violations of company In 2023, the whistleblowing channel received 42
regulations, violations of ethical codes, and conflicts complaints, with 98% of them have been resolved,
while the remaining complaints are currently being
processed. [OJK F.24]
Sustainability Report 2023 PT Bank BTPN Tbk 131
Page 138
Whistleblowing Process Flow Diagram
Finish
Whistleblower
Start
Report an Event
(through the person/ hotline/ mail/ e-mail/
Whatsapp)
Received Response
Quarterly
Management
Whistleblowing
Head of Risk
Report*
Report from
Provide response from
Whistleblower Update Database
whistleblower request
Operational & Fraud Risk Management (ORFM)
Involve BoD/BoM/BoC/Executive
Officer or related to Financial
Statements?
YES
NO
NO
Involve BoD/BoM/
NO
BoC/ Executive Officer
Fraud Fraud
NO or related to Financial
Case? Case?
Statements?
YES YES
YES
Received
Report
Investigation
Audit Committee/ Risk Monitoring
Conduct on
follow up
Committee
Involve BoD/
whistleblower
BoM/BoC/
report
Executive YES Instructed the Audit Committee meeting
Officer or related Example: appoint
internal Audit, other status report is and/or Risk Monitoring
to Financial Follow up
internal parties “Closed” to Committee and OFRM on
Statements? done?
or third party to OFRM Quarter Basis
conduct
investigation
NO
Compliance atau
Division Head
Resources,
Human
Report results
Received Report Analyzing Cases case on
analysis
Fraud Committee
Fraud Committee meeting and
OFRM
132 Sustainability Report 2023 PT Bank BTPN Tbk
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Communication of Critical Concerns Enhancement of the Board of
[GRI 2-16] Commissioners and Directors’
Bank BTPN has devised a comprehensive strategy to Capacity [GRI 2-17] [OJK E.2]
mitigate significant risks by presenting procedures to The successful implementation of strategies and
the Board of Commissioners and the Board of Directors achievement of corporate goals is greatly influenced
for the swift and efficient detection and management by the decisions made by the Board of Commissioners
of critical concerns. This process involves the and the Board of Directors regarding the company’s
dissemination of written reports and participation in operational policies. Hence, Bank BTPN offers training
meetings of the Board of Commissioners, the Board in the areas of economics, environment, social, and
of Directors, as well as joint meetings of Board of governance for the Board of Commissioners and the
Commissioners and Directors. Board of Directors, as follows:
During the reporting year, no critical concerns related
to Bank BTPN’s business operations were brought to
the attention of the Board of Commissioners and the
Board of Directors.
Enhancement of the Board of Commissioners’ Capacity [GRI 2-17] [OJK E.2]
No Name Trainings Date
1. Chow Ying Hoong – 1. Economic Outlook Update by Raden Pardede 1. June 6, 2023
President Commissioner 2. Executive Risk Management Certification Refresher 2. July 26, 2023
3. Leadership Series: Influence for Impact 3. December 5, 2023
4. Political Update by Philips J. Vermonte 4. December 8, 2023
2. Takeshi Kimoto - 1. Economic Outlook Update by Raden Pardede 1. June 6, 2023
Commissione 2. Executive Risk Management Certification Refresher 2. July 26, 2023
3. Leadership Series: Influence for Impact 3. December 5, 2023
4. Political Update by Philips J. Vermonte 4. December 8, 2023
3. Ninik Herlani Masli 1. Leadership Series : Creating Strategy to Connect The 1. March 4, 2023
Ridhwan – Independent Generation Gap
Commissioner 2. Economic Outlook Update by Raden Pardede 2. June 6, 2023
3. Executive Risk Management Certification Refresher 3. July 26, 2023
4. Leadership Series: Influence for Impact 4. December 5, 2023
5. Political Update by Philips J. Vermonte 5. December 8, 2023
4. Onny Widjanarko – 1. Training: Risk Management Certification Level 2 1. January 12, 2023
Independent Commissioner 2. Induction 2022: BTPN Overview 2. June 5, 2023
3. Economic Outlook Update by Raden Pardede 3. June 6, 2023
4. Induction 2022 : Compliance 4. June 17, 2023
5. Leadership Series: Influence for Impact 5. December 5, 2023
6. Political Update by Philips J. Vermonte 6. December 8, 2023
5. Edmund Tondobala – 1. Leadership Series : Creating Strategy to Connect The 1. March 4, 2023
Independent Commissioner Generation Gap
2. Economic Outlook Update by Raden Pardede 2. June 6, 2023
3. Executive Risk Management Certification Refresher 3. July 26, 2023
4. Leadership Series: Influence for Impact 4. December 5, 2023
5. Political Update by Philips J. Vermonte 5. December 8, 2023
6. Ongki Wanadjati Dana - 1. Leadership Series : Creating Strategy to Connect The 1. 4 Maret 2023
Commissione Generation Gap
2. Economic Outlook Update by Raden Pardede 2. 6 Juni 2023
3. Leadership Series : Managing Global Business Risk 3. 14 Juni 2023
4. Executive Risk Management Certification Refresher 4. 26 Juli 2023
5. Leadership Series: Influence for Impact 5. 5 Desember 2023
6. Political Update by Philips J. Vermonte 6. 8 Desember 2023
Sustainability Report 2023 PT Bank BTPN Tbk 133
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Enhancement of the Board of Directors’ Capacity [GRI 2-17] [OJK E.2]
No Name Trainings Date
1. Henoch Munandar - 1. Thriving in the age of Analytics with Digital Mindset 1. January 18, 2023
President Director 2. Leadership Series : Creating Strategy to Connect The 2. March 14, 2023
Generation Gap
3. Media Training 3. July 6, 2023
4. Executive Risk Management Certification Refresher - 4. July 26, 2023
2023
5. Sustainable Finance Offline Seminar 5. August 11, 2023
6. National Seminar “Macroprudential Liquidity Incentive 6. September 13, 2023
Policy”
7. Bank BTPN Sustainability Seminar 2023 7. October 12, 2023
8. CEO Networking 2023 8. November 7, 2023
9. Bank BTPN Economic Outlook 2024 9. November 22, 2023
10. Year-End Dialogue of OJK Board of Commissioners 10. December 1, 2023
Members and the Financial Services Industry
11. Leadership Series: Influence for Impact with Najwa 11. December 5, 2023
Shihab
12. Political Update by Philip J. Vermonte 12. December 8, 2023
2. Kaoru Furuya – 1. Leadership Series : Creating Strategy to Connect The 1. March 14, 2023
Deputy President Director Generation Gap
2. BTPN Leaders’ Onboarding Program: Indonesia 2. May 26, 2023
Professional Etiquette and HR Practices
3. Economic Outlook Update by Raden Pardede 3. June 6, 2023
4. X-Talk Leadership Series : “Managing Global Business 4. June 14, 2023
Risks: A Proactive Approach” by Tantowi Yahya
5. BTPN Supply Chain Approach Workshop 5. June 25, 2023
6. Media Training 6. July 6, 2023
7. Executive Risk Management Certification Refresher - 7. July 26, 2023
2023
8. Sustainable Finance Offline Seminar 8. August 11, 2023
9. Bloomberg CEO Forum @ASEAN 9. September 6, 2023
10. Bank BTPN Sustainability Seminar 2023 10. October 12, 2023
11. Bank BTPN Economic Outlook 2024 11. November 22, 2023
12. Leadership Series: Influence for Impact with Najwa 12. December 5, 2023
Shihab
13. Political Update by Philip J. Vermonte 13. December 8, 2023
3. Darmadi Sutanto – 1. Leading in Digital Era 1. April 16-21, 2023
Deputy President Director 2. Economic Outlook Update by Raden Pardede 2. June 6, 2023
3. Media Training 3. July 6, 2023
4. Executive Risk Management Certification Refresher - 4. July 26, 2023
2023
5. Sustainable Finance Offline Seminar 5. August 11, 2023
6. Bank BTPN Sustainability Seminar 2023 6. October 12, 2023
7. Bank BTPN Economic Outlook 2024 7. November 22, 2023
8. Leadership Series: Influence for Impact with Najwa 8. December 5, 2023
Shihab
9. Political Update by Philip J. Vermonte 9. December 8, 2023
134 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
Sustainable Governance
No Name Trainings Date
4. Dini Herdini – 1. Thriving in the age of Analytics with Digital Mindset 1. January 18, 2023
Compliance Director 2. Leadership Series : Creating Strategy to Connect The 2. March 14, 2023
Generation Gap
3. HKHPM Seminar “Law on the Development and 3. March 20, 2023
Strengthening of the Financial Services Sector in
Indonesia: Implications for the Capital Market Sector”
4. ICSA-OJK Webinar: Deepening POJK No.14/ 4. June 8, 2023
POJK.04/2019 - Capital Increase of Public Companies
by providing Pre-emptive Rights
5. Media Training 5. July 6, 2023
6. Executive Risk Management Certification Refresher - 6. July 26, 2023
2023
7. Sustainable Finance Offline Seminar 7. August 11, 2023
8. Deloitte Southeast Asia Financial Crime Symposium | 8. October 3, 2023
The Emerging Issue of Financial Crime
9. Bank BTPN Sustainability Seminar 2023 9. October 12, 2023
10. IMD’s Orchestrating Winning Performance, Singapore 10. November 20-24,
Leadership Series: Influence for Impact with Najwa 2023
Shihab
11. Political Update by Philip J. Vermonte 11. December 8, 2023
5. Atsushi Hino – 1. Economic Outlook Update by Raden Pardede 1. June 6, 2023
Director 2. Media Training 2. July 6, 2023
3. Bank BTPN Sustainability Seminar 2023 3. October 12, 2023
4. Talent Insight Discovery Training 4. October 16, 2023
5. Bank BTPN Economic Outlook 2024 5. November 22, 2023
6. Political Update by Philip J. Vermonte 6. December 8, 2023
6. Keishi Kobata – 1. Executive Risk Management Certification Refresher - 1. July 26, 2023
Director 2023
2. Sustainable Finance Offline Seminar 2. August 11, 2023
3. Bank BTPN Sustainability Seminar 2023 3. October 12, 2023
4. Bank BTPN Economic Outlook 2024 4. November 22, 2023
5. Leadership Series: Influence for Impact with Najwa 5. December 5, 2023
Shihab
6. Political Update by Philip J. Vermonte 6. December 8, 2023
7. Merisa Darwis – 1. Leadership Series : Creating Strategy to Connect The 1. March 14, 2023
Director Generation Gap
2. Economic Outlook Update by Raden Pardede 2. June 6, 2023
3. IMD - Individual Learning Development – Orchestrating
Winning Performance 3. June 26-30, 2023
4. Media Training 4. July 6, 2023
5. Executive Risk Management Certification Refresher - 5. July 26, 2023
2023
6. Sustainable Finance Offline Seminar 6. August 11, 2023
7. Bank BTPN Sustainability Seminar 2023 7. October 12, 2023
8. Bank BTPN Economic Outlook 2024 8. November 22, 2023
9. Leadership Series: Influence for Impact with Najwa 9. December 5, 2023
Shihab
10. Political Update by Philip J. Vermonte 10. December 8, 2023
Sustainability Report 2023 PT Bank BTPN Tbk 135
Page 142
No Name Trainings Date
8. Hanna Tantani– 1. OJK Webinar - Banking Trends in 2023 1. January 17, 2023
Director 2. Thriving in the age of Analytics with Digital Mindset 2. January 18, 2023
3. OJK Webinar - Implementasi Artificial Intelligence di 3. February 2, 2023
Industri Jasa Keuangan
4. OJK Webinar - The Role of GRC in Supporting Financial 4. February 23, 2023
Sector Performance
5. Webinar - PwC Indonesia Economic Update Q1 – 2023 5. March 9, 2023
6. Harvard yang Driving Digital Strategy
7. Leadership Series : Creating Strategy to Connect The 6. March 12-17, 2023
Generation Gap 7. March 14, 2023
8. McKinsey session with BTPN on “AI-enabled customer 8. March 16, 2023
service”
9. BCG and AC Ventures’ report launch: Shaping the 9. March 29, 2023
Future of Fintech in Indonesia
10. Economic Outlook Update by Raden Pardede 10. June 6, 2023
11. Empowering Women <IDX> 11. June 8, 2023
12. Media Training 12. July 6, 2023
13. Executive Risk Management Certification Refresher - 13. July 26, 2023
2023
14. PwC WEBINAR: Tax Breakfast Briefing - Discussion on 14. August 2, 2023
the new rules of Benefits In-Kinds
15. Sustainable Finance Offline Seminar 15. August 11, 2023
16. Bank BTPN Sustainability Seminar 2023 16. October 12, 2023
17. Bank BTPN Economic Outlook 2024 17. November 22, 2023
18. Leadership Series: Influence for Impact with Najwa 18. December 5, 2023
Shihab
19. Political Update by Philip J. Vermonte 19. December 8, 2023
Evaluation of the Performance of respective fiscal year, as well as fairness principles
the Board of Commissioners and within the internal peer group and industry standards
Directors [GRI 2-18] in the banking sector.
The performance evaluation of the Board of
Commissioners and the Board of Directors is a crucial Process to Determine Remuneration
factor in guiding the enhancement of the company’s [GRI 2-20]
governance body. The Board of Commissioners To determine remuneration, Bank BTPN appoints
and Directors conduct a self-assessment based on an independent party to conduct a remuneration
established Key Performance Indicators (KPIs) on an survey in similar industries. The results serve as a
annual basis. The results of this evaluation are then reference for the amount of remuneration for the
utilized to enhance the governance system of Bank Board of Commissioners and the Board of Directors.
BTPN in the following year. In addition, the determination of remuneration takes
into account the performance of each individual. The
process of determining remuneration commences with
Remuneration of the Board of proposals from the Remuneration and Nomination
Commissioners and the Board of Committee, presented to the GMS to gather feedback
Directors and secure approval from stakeholders, particularly
REMUNERATION POLICY [GRI 2-19] the shareholders. In determining the remuneration,
Bank BTPN does not include external parties.
The remuneration of the company’s Board of
Commissioners and Board of Directors is determined
by the General Meeting of Shareholders (GMS) and is Annual Total Compensation Ratio [GRI 2-21]
aligned with the principle of meritocracy. It is adjusted Bank BTPN provides fair and just remuneration as a
based on individual performance assessment and form of appreciation for the hard work and dedication
work achievements. Remuneration is determined of its employees. However, Bank BTPN does not
taking into account the company’s profits in the disclose the annual total compensation ratio as it is
considered company confidential information.
136 Sustainability Report 2023 PT Bank BTPN Tbk
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Innovation in
Sustainable Governance
Risk Management anti-competitive behavior, monopolistic practices,
Bank BTPN implements a risk management system manipulation, or other legal violations during the
to identify, assess, and manage potential risks arising reporting period. [FN-CB-510a.1] [GRI 206-1]
from its business operations. Bank BTPN’s risk [GRI 2-27]
management includes strategies to evaluate corporate
strategies, ensure capital adequacy, facilitate long- Cyber Risk Management
term planning, and address various other business In the current digitalization era, effective cybersecurity
activities [FN-CB-550a.2]. Bank BTPN is classified as management, including information security
a Domestic Systemically Important Bank (D-SIB) management, has emerged as a top priority for
[FN-CB-550a.1]. participants in the financial and banking sector due to
the escalating threats to cybersecurity and information
Risk management is an integral part of Bank BTPN’s security, particularly for Bank BTPN.
operations to ensure the continuity of its business.
The risk management policy is established by the For this reason, Bank BTPN consistently enhances
Board of Commissioners and the Board of Directors, and reinforces the standards for the implementation
and its implementation is executed through: and management of the Bank’s cybersecurity through
1. Active supervision by the Board of Commissioners the issuance of the Cyber Security Risk Management
and the Board of Directors. Policy 0.0. This policy supersedes the previous
2. Adequacy of risk management policies and Information Management and Security Policy 2.1.
procedures and setting risk limits.
3. Adequacy of processes for identifying, measuring, In general, this policy encompasses regulations
monitoring, and controlling risks, as well as the governing the management and execution of cyber
functionality of risk management information security risk management at Bank BTPN, including:
systems. 1. General Provisions of Cyber Security Risk
4. Comprehensive internal control systems and Management
other processes. 2. Duties and Responsibilities of Management and
Work Units as well as all Employees at BTPN.
The risk management policy and strategy are outlined 3. Bank’s Cyber Security Risk Management
in the Risk Management Policy, approved by the Framework.
Board of Commissioners and the Board of Directors. 4. Stages of Implementing Cyber Security Risk
The Board of Commissioners oversees the risk Management (along with its general provisions):
management conducted by the Board of Directors. a. Identification
Risks identified by Bank BTPN include: b. Protection
1. Credit Risk c. Detection
2. Market Risk d. Response and Reporting
3. Liquidity Risk e. Recovery
4. Operational Risk 5. Evaluation
5. Legal Risk 6. Annex - Information Retention Period Table
6. Strategic Risk
7. Compliance Risk The Cyber Risk Management 0.0 implementation aims
8. Reputational Risk to protect Bank BTPN’s assets, including information,
IT assets, and other related assets, with the goal of
Bank BTPN implements a precautionary approach to preventing potential cybersecurity risks. Ultimately, it
environmental risk management by enforcing a policy is also expected to build and enhance stakeholders’
that prohibits lending to industries that contravene interests, such as customers, owners, and others,
national and international environmental regulations, and to ensure the continuity of the Bank’s operational
as outlined in the Credit Policy and Sustainability activities and business.
Policy.
Climate Risk Management
Bank BTPN prioritizes compliance with applicable
laws and regulations in the economic, social, and During the reporting period, Bank BTPN was selected
environmental domains to prevent any legal or financial as one of the banks participating in the trial phase of
repercussions stemming from fraud, insider trading, the Climate Risk Stress Test (CRST) conducted by the
OJK. This program promotes the integration of climate
Sustainability Report 2023 PT Bank BTPN Tbk 137
Page 144
change considerations into the bank’s overall risk distribution networks, and new and existing
management, encouraging the banking industry to activities, taking into account the evolving
address climate-related risks. In response to this, Bank risks of money laundering, terrorism
BTPN is currently in the process of developing a policy financing, and financing of proliferation of
or framework regarding climate risk management. weapons of mass destruction faced by the
bank, as well as recommendations for AML
CTF and CPFWMD risk mitigation measures,
Anti-Money Laundering and Counter ensuring that the bank’s products, services,
Terrorism Financing Policy and offerings are not utilized to facilitate
The rising complexity of banking products and money laundering, terrorism financing, and/or
services, driven by the expanding use of technology the financing of weapons of mass destruction
in the banking industry, has the potential to elevate activities.
the risk of misuse of banking services for money d. Coordinating the preparation of targets and
laundering, terrorism financing, and financing of monitoring the regular updating of Customer
proliferation of weapons of mass destruction. Bank Due Diligence (CDD), and strengthening
BTPN has developed an Anti Money Laundering control over the updating of CDD documents.
(AML) Counter Terrorism Financing (CTF) and e. Monitoring, analyzing, and reporting on cash
Counter Proliferation Financing of Weapons of Mass financial transactions, suspicious financial
Destruction (CPFWMD) program that encompasses transactions, fund transfers to and from
the following activities: abroad, customer information, and reinforcing
1. Active participation of the Board of Commissioners control mechanisms (maker-checker) as well
and the Board of Directors in regular discussion as the quality of reporting data.
regarding the execution of the AML CTF and f. Reviewing transaction monitoring system
CPFWMD programs of Bank BTPN, as well as parameters and scenarios, and periodically
relevant issues. adjusting parameters and scenarios based
2. Regularly updating Bank BTPN’s AML, CTF, and on the outcomes of such reviews.
CPFWMD programs in accordance with changes g. Regularly performing a self-assessment of
in local regulations, the parent company, and the AML, CTF, and CPFWMD risks within the
bank’s operational and business landscape. AML CFT Division and across the entire bank.
3. Coordinating with regulators to ensure the 5. Enhancing and optimizing Bank BTPN’s
effective implementation of Bank BTPN’s AML, AML, CTF, and CPFWMD system to facilitate
CTF, and CPFWMD programs. the execution of the identification, analysis,
4. Continuously assessing the effectiveness and transaction monitoring, and reporting processes
execution of the AML, CTF, and CPFWMD for AML, CTF, and CPFWMD, including:
programs through: a. Developing a reporting system for regulators
a. Adapting the Policies and Procedures for (APOLO OJK and GoAML PPATK).
the implementation of Bank BTPN’s AML, b. Developing a system for checking DTTOT.
CTF, and CPFWMD programs to align with c. Developing a management information
the provisions of OJK Regulation Number 8 system for AML CTF and CPFWMD-related
of 2023 concerning the Implementation of reports.
Anti Money Laundering, Counter Terrorism d. Developing a system for monitoring credit
Financing, and Counter Proliferation card transactions.
Financing of Weapons of Mass Destruction e. Developing a transaction screening system
Programs in the Financial Services Sector, through BI FAST.
and incorporating new policies from the f. Developing a screening system for customer-
shareholders relevant to the SMBC subsidiary. related parties.
b. Regularly performing an assessment of g. Developing a system related to the integration
the AML, CTF, and CPFWMD programs’ of core banking systems.
implementation at all Bank BTPN Branch h. Developing a system for the implementation
Offices (Branch Review) carried out by the of ISO 20022 (Electronic Message Exchange
AML Compliance Champion (ACC) team. Standard) on SWIFT and screening
c. Providing an assessment of the development systems for transaction-related transaction
of the bank’s product programs and services, information.
138 Sustainability Report 2023 PT Bank BTPN Tbk
Page 145
Innovation in
Sustainable Governance
i. Developing a system to enhance the due e. Taking part in Bank BTPN’s Business Risk
diligence process for customers. Forum as a participant in mitigating AML CTF
j. Evaluating the completeness and accuracy and CPFWMD risks.
of customer data processed in the AML CTF f. Monitoring the completion of mandatory AML
and CPFWMD system. CTF and CPFWMD training programs via
6. Promoting a culture of awareness of money Bank BTPN’s platform and regularly updating
laundering, terrorism financing, and financing of AML CTF and CPFWMD training materials.
proliferation of weapons of mass destruction to g. Enhancing the competence and awareness
all employees through a series of training and of AML CFT Division staff through training,
dissemination activities related to AML CTF and sharing sessions, and dissemination related
CPFWMD provisions: to AML CTF and CPFWMD materials.
a. Conducting regular AML CTF and CPFWMD 7. Participating in the dissemination of regulations,
training for all Bank BTPN employees, coordination meetings, and reviews (Financial
including new hires and existing employees Integrity Rating/FIR PPATK 2023) organized by
b. Providing training with AML CTF and the regulator.
CPFWMD materials, as well as thematic
materials related to AML CTF and CPFWMD
to branch staff and work units. Compliance with Laws and
c. Conducting regular refreshment training Regulations [GRI 2-27] [FN-CB-510a.1]
on AML CTF and CPFWMD by the AML Bank BTPN prioritizes compliance with prevailing laws
Compliance Champion (ACC) team at and regulations.As a result, there were no significant
branches. violations affecting the financial position or liquidity of
d. Disseminating information on the latest Bank BTPN throughout the reporting year. [GRI 206-1]
developments/issues related to AML CTF [GRI 2-17]
and CPFWMD through Bank BTPN’s internal
media to all Business/Support Units.
Sustainability Report 2023 PT Bank BTPN Tbk 139
Page 146
ABOUT
THE REPORT
Bank BTPN reaffirms its commitment
to sustainability reporting as an
instrument that provides transparent
and relevant information for
stakeholders.
140 Sustainability Report 2023 PT Bank BTPN Tbk
Page 147
About the Report Sustainability Report 2023 PT Bank BTPN Tbk 141
Page 148
Sustainability reporting is crucial to measuring, ASSURANCE
reporting, and understanding the social, Bank BTPN employs assurance services to assure
environmental, and economic impacts of an entity, stakeholders of the high reliability and credibility of the
which is vital for shaping sustainable business information presented in the sustainability report. The
practices. Therefore, Bank BTPN is committed to assurance service provider is selected independently
publishing an annual sustainability report. This is Bank to ensure impartiality and prevent conflicts of interest.
BTPN’s fifth sustainability report, encompassing data The primary focus in this process is to prioritize
from January 1, 2023, to December 31, 2023. This the quality of the evaluation, providing
reporting period aligns with Bank BPTN’s financial stakeholders with confidence in the reliability
reporting period. The previous Sustainability Report and transparency of the sustainability report.
was issued in March 2023. This report contains
restatement from the previous report, as explained in Following a thorough assessment, the management
the Environmental Section related to carbon emission has decided that PT. Sucofindo is appointed as
calculations. Nonetheless, there have been no the assurer of Bank BTPN’s 2023 Sustainability
significant organizational changes. [GRI 2-3] Report [GRI 2-5] [OJK G.1]. In carrying out the
[GRI 2-4] [OJK C.6] assurance work, Sucofindo employs the AA 1000
Assurance Standard V3 and ISAE 3000 ‘Assurance
Engagements other than Audits or Reviews of
Historical Financial Information’ issued by the
International Auditing and Accounting Standards
Board of the International Federation of Accountants
(IFAC). The independent assurance report on this
In 2023, there were no significant sustainability report can be found on page 149-150.
organizational changes.
DETERMINATION OF MATERIAL TOPICS
AND BOUNDARY [GRI 3-1]
The material topics are those that exert the most
significant influence on the economic, environmental,
and social spheres. These topics are derived from the
REPORTING STANDARDS GRI Topic Standards 2021, taking into account the
This report has been prepared in accordance with the financial sector standards. However, as there is no
Global Reporting Initiative (GRI) and financial sector 2021 Financial Sector Standard, the Financial Sector
standards. As a public company in the financial GRI G4 remains in use.
services sector, this report has also been prepared
in accordance with the OJK Circular Letter No. 16/ The determination of material topics in this report
SEOJK.04/2021 concerning the Form and Content of follows these steps:
the Annual Report of Issuers or Public Companies. To 1. Understanding the business context of Bank
address investor requests, this report also includes BTPN
other standard disclosures, such as the Sustainability 2. Identifying actual and potential impacts.
Accounting Standards Board (SASB) and the Task 3. Assessing the significance of the impacts. Bank
Force on Climate-related Financial Disclosures (TCFD). BTPN engages stakeholders through materiality
surveys to determine these topics, while also
The GRI standard, SEOJK 16/2021, and SASB applied taking into account topics in the Financial Sector.
in this report are marked with numbering brackets in 4. Bank BTPN proceeds to prioritize the most
red (for GRI standard), green (for the financial sector), significant impacts for reporting arising from
blue (for SEOJK 16/2021), brown (for SASB), and steps 2 and 3. In determining material topics,
purple (for TCFD) on each relevant page. Meanwhile, Bank BTPN engages external experts, such as the
the list of GRI, FS, OJK, SASB, and TCFD indices is National Center for Corporate Reporting (NCCR),
presented sequentially on page 161-170. [OJK G.4] to oversee the impacts of Bank BTPN in the
economic, environmental, and social domains.
142 Sustainability Report 2023 PT Bank BTPN Tbk
Page 149
About the Report
Bank BTPN determines the same material topics as the previous year, despite the variations in their levels of
materiality compared to the previous year. The following is the flow chart outlining the process for determining
material topics:
Understanding Assessing the
Bank BTPN’s significance of the
01 sustainability
context
03 impacts
Identifying the Prioritizing the most
actual and potential significant impacts
02 impacts 04 for reporting
List of Material Topics [GRI 3-2] [GRI 3-3]
Material Topics Reasons Why the Topics are Considered Material
Economic Performance Have a significant impact on the improvement of the national and regional economy and
and Impact stakeholders.
Market Presence Have a significant impact on human resources, both in terms of well-being and employee
careers.
Indirect Economic Impacts Have a significant impact on the improvement of the regional economy and on community
empowerment.
Procurement Practices Have a significant impact on the development of the local economy.
Anti Corruption Have a significant impact and influence on the trust of shareholders, the community, and other
stakeholders.
Energy Have a significant impact on the sustainability of the earth and environmental preservation, in
addition to economic savings for Bank BTPN.
Emissions Have a significant impact on the sustainability of the earth and environmental preservation, in
addition to economic savings for Bank BTPN.
Employment Have a significant impact on the comfort and performance of employees.
Education and Training Have a significant impact on the comfort and performance of employees as well as the
capacity/skills of employees.
Diversity and Equality Have a significant impact on the comfort and performance of employees as well as respect for
human rights.
Non-discrimination Have a significant impact on the comfort and performance of employees as well as respect for
human rights.
Marketing and Labelling Have a significant impact on the improvement of products and customer trust.
Customer Privacy Have a significant impact on the improvement of products and customer trust.
Security Practices Have a significant impact on the improvement of products and customer trust.
Local Communities Have a significant impact on the improvement of welfare and product development for
marginalized communities.
Supplier Social Assessment Have a significant impact on the enforcement and implementation of sustainability concepts
by business relations/vendors of the company.
Product Responsibility Have a significant impact on the improvement of products and customer trust.
Information Security Have a significant impact on the improvement of products and customer trust.
Socio Economic Have a significant impact on the enforcement and implementation of sustainability concepts
Compliance by business relations/vendors of the company.
Sustainability Report 2023 PT Bank BTPN Tbk 143
Page 150
LIST OF NON-MATERIAL TOPICs
There are several topics that are not considered as material in this report. However, this does not mean that
Bank BTPN considers these topics do not have a significant role in supporting sustainability or for Bank BTPN’s
sustainability agenda.
In the future, Bank BTPN will continue to increase its efforts and initiatives in expanding the sustainability impact
from the operational and business activities.
These topics are considered non-material for the following reasons:
Non-Material Topics Reasons
Material Bank BTPN does not use specific materials in its business operations.
Water and Effluent Bank BTPN does not produce any effluent. Domestic wastewater is managed by the building
management.
Biodiversity Bank BTPN does not operate in protected areas or areas with high biodiversity.
Waste Bank BTPN does not produce significant amounts of hazardous or non-hazardous waste. The
majority of operational waste is domestic waste.
Environmental Compliance Bank BTPN’s business is not directly related to the environment.
Supplier Environmental Bank BTPN’s suppliers are not directly related to the environment.
Assessment
Labor Relations and Bank BTPN complies with all applicable laws and regulations in Indonesia, including labor
Management relations and management.
Occupational Health and Bank BTPN’s operations do not involve heavy equipment or specific hazardous conditions.
Safety
Freedom of Association and Bank BTPN complies with all applicable laws and regulations in the field of labor relations.
Collective Bargaining There is no area where freedom of association in Bank BTPN is restricted or threatened.
Indigenous Peoples’ Rights Bank BTPN’s work area does not adjoin indigenous communities.
Human Rights Assessment Bank BTPN complies with all applicable laws and regulations in the field of labor relations, and
no Bank BTPN operations are threatened in the implementation of human rights.
Public Policy Bank BTPN is not involved in political activities.
Customer Health and Safety Bank BTPN’s products and services are not physical products that can harm customers.
144 Sustainability Report 2023 PT Bank BTPN Tbk
Page 151
About the Report
MATERIALITY LEVEL
The following graph offers an overview of the materiality level of the reported topics/issues. It is based on the
findings of a materiality level survey conducted through a questionnaire distributed to stakeholders.
Employee
Education
and Training
High
Sustainable Finance Products
Anti- Customer Privacy
Corruption
Human Rights
Important for stakeholders
Social Investment (CSR) Employee Welfare
Products for
Marginalized
Communities Climate Change Economic Performance
Medium
Energy
Management
Debtor Screening Based on
Environmental Criteria
Indirect Economic Impact
Tax
Low
Low Medium High
Important for the Company
Bank BTPN consistently strives to enhance the quality of the Sustainability Report. As such, we welcome input
from all our readers to contribute to the advancement and refinement of our next report. We would like to note that
we did not receive any feedback on the 2022 sustainability report. [OJK G.3] Feedback and suggestions can be
submitted by fill out the feedback sheet at the end of this report. [GRI 2-3] [OJK G.2]
Sustainability Report 2023 PT Bank BTPN Tbk 145
Page 152
Statement GRI Standards In Accordance
Check
IAC0262402SA
Laporan Kesesuaian dengan Standar GRI dan
SEOJK 16/OJK.04/2021
Statement of GRI Standards and SEOJK 16/OJK.04/2021
in Accordance Check
National Center for Corporate The National Center for Corporate
Reporting (NCCR) telah Reporting has conducted a
melakukan pengecekan kesesuaian GRI Standards and SEOJK 16/
dengan Standar GRI dan OJK.04/2021 in Accordance Check
SEOJK 16 OJK.04/2021 atas on PT Bank BTPN Tbk Sustainability
Laporan Keberlanjutan PT Bank Report 2023 (“Report”). The check
BTPN Tbk 2023 (“Laporan”). communicates the extent to which
Pengecekan dilakukan untuk the GRI Standards and SEOJK 16/
memberikan gambaran tentang OJK.04/2021 have been applied in the
sejauh mana Standar GRI dan Report. The check does not provide
SEOJK 16/OJK.04/2021 telah an opinion on the sustainability
diterapkan dalam Laporan tersebut. performance of the reporter or the
Pengecekan ini bukan merupakan quality of the information provided in
opini atas kinerja keberlanjutan the Report.
maupun kualitas informasi yang
dimuat dalam Laporan tersebut.
Kami menyimpulkan bahwa Laporan We conclude that this report has
ini telah disusun sesuai dengan been prepared in accordance with
Standar GRI dan SEOJK 16/ GRI Standards and SEOJK 16/
OJK.04/2021. OJK.04/2021.
Jakarta, 13 Februari 2024 Jakarta, February 13, 2024
National Center for Corporate Reporting
GRI Standards Aligning Service
Andrew K. Twohig, BCom, BA (Hons), MA, CSRA
Director
146 Sustainability Report 2023 PT Bank BTPN Tbk
Page 153
Appendix
Independent Assurance Statements
Independent Assurance Statement
No. 0439/KP-II/2024
To the Management and Stakeholders of PT Bank BTPN Tbk Responsibility
Bank BTPN is responsible for the preparation of the Report and
We were engaged by PT Bank BTPN Tbk (“Bank BTPN”) to provide all information and claims therein, which include establishing
assurance in respect to its Sustainability Report 2023 (‘the Report’). sustainability management targets, performance management,
The assurance engagement was carried out by our assurance data collection, and other performative actions.
team, who have extensive relevant professional and technical
competencies and experience. The assurance team was composed In performing this engagement, meanwhile, our responsibility
to the management of Bank BTPN is solely for the purpose of
sustainability reporting assurers in order to ensure a high level of verifying the statements it has made in relation to its sustainability
competence in carrying out the engagement.
expressing our opinion on the conclusions reached.
Independence
We carried out all assurance undertakings with independence and Methodology
autonomy having not been involved in the preparation of any key The engagement process thoroughly assessed the accuracy of
part of the Report. Nor did we provide any services to Bank BTPN
the underlying systems and processes that manage and report
assurance engagement. them. This included comprehensive reviews of the report, internal
policies, documentation, management and information systems,
Assurance Standards, Levels and Criteria
Our work was carried out in accordance with AA1000 Assurance management and reporting functions. Data trails were traced back
Standards v3 (AA1000AS v3) issued by AccountAbility. In addition, to their initial aggregated source, and data samples underwent in-
we have also planned and carried out our work in accordance
with ISAE 3000 (Revised) ‘Assurance Engagements other than
Audits or Reviews of Historical Financial Information’ issued by Scope of Assurance
the International Auditing and Accounting Standards Board of We provided a Type 2 assurance engagement under AA1000AS v3
International Federation of Accountant (IFAC). and limited assurance engagement under ISAE 3000 (Revised).
This involved:
Our evidence-gathering procedures was designing to obtain a 1) Assessment of Bank BTPN adherence to the AA1000 AP (2018);
moderate level of assurance as set out in AA1000AS v3 and limited and
assurance engagement as set out in ISAE 3000 (Revised). As such, 2)
sustainability performance information contained within the
have been reduced to a very low level, although not necessarily Report, focusing on adherence to the agreed-upon scope of
to zero. Moreover, Bank BTPN adherence to the AccountAbility the GRI Standards.
Principles (AP) was evaluated in accordance with the criteria of 203-1. Infrastructure investments and services supported
AA1000AP (2018) of Inclusivity, Materiality, Responsiveness and 203-2.
Impact. In addition, the Report, in relation to the agreed scope, has 302-1. Energy consumption within the organization
been assessed in accordance with the criteria of GRI Standards. 302-3. Energy intensity
305-1. Direct (Scope 1) GHG emissions
Limitations 305-2. Energy indirect (Scope 2) GHG emissions
Our scope of work was limited to a review of the accuracy and 305-3. Other indirect (Scope 3) GHG emissions
305-4. GHG emissions intensity
persons in charge of data collection and processing, as well 413-1. Operations with local community engagement, impact
as persons in charge of sustainability performance-related assessments, and development programs
information. It was not designed to detect all weaknesses in the 413-2.
internal controls over the preparation and presentation of the negative impacts on local communities
Report, as the engagement was not performed continuously
throughout the period and the procedures performed were
undertaken on a test basis.
Sustainability Report 2023 PT Bank BTPN Tbk 147
Page 154
Conclusions assesses and manages the social, environmental, and economic
consequences on stakeholders, society, and the broader
BTPN’s adherence to the AA1000 AP (2018) principles of Inclusivity,
Materiality, Responsiveness, and Impact is assessed as follows:
By transparently aligning its impact assessment with the
• Inclusivity
SDGs and using their indicators to provide clear information
Bank BTPN is committed to promoting diversity, equity,
and accessible platforms, BTPN would empower stakeholders
and inclusion (DE&I) in its operations, as evidenced by its
to actively participate in contributing to achieving global
comprehensive policies and procedures designed to meet
sustainable development goals.
the diverse needs of all stakeholders. This commitment is
further demonstrated by their initiatives and programs, such
as training and awareness programs on DE&I. Additionally, the
bank has established dedicated feedback platforms to receive sustainability performance:
suggestions from stakeholders. Based on our limited assurance engagement, nothing has come to
our attention that causes us to believe the data of the Report, in
Bank BTPN can solidify its position as a leader in inclusivity relation to the agreed scope, has been materially misstated.
by enhancing its communication channels to ensure its
to promote inclusion and diversity, the bank can not only observations and follow-up recommendations have been
enhance stakeholder trust and engagement but also improve submitted to Bank BTPN management in a separate report.
long-term business sustainability.
Jakarta, 13 February 2024
• Materiality
Bank BTPN demonstrates a clear commitment to materiality
SBU KSP Head
principles through its transparent and stakeholder-
focused sustainability framework. Their assessment process
comprehensively considers diverse stakeholder interests while
However, incorporating a more robust stakeholder engagement
framework could further enhance this process. Implementing Rikrik Supriadi
enabler technology could create materiality mechanisms that
improve accessibility, availability, and reliability of information,
fostering better stakeholder understanding of BTPN’s progress
towards sustainability goals.
• Responsiveness
Bank BTPN’s established mechanisms for transparently
addressing stakeholder concerns and ensuring prompt follow-
up are commendable. However, taking a more collaborative as inspection and testing of industrial products, marine surveys, quality
approach could elevate their responsiveness. Regularly seeking
feedback through diverse channels and actively engaging
outcomes and create a culture of shared ownership. Company.
• Impact
Bank BTPN demonstrates its commitment to sustainability and its services are recognized not just in Indonesia, but also
minimizes negative environmental and societal impacts while that helps them provide expertise and support their client’s business
maximizing positive ones. This comprehensive approach
reliability, integrity, and consistency with delivering quality services.
148 Sustainability Report 2023 PT Bank BTPN Tbk
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Appendix
SDGs Links in GRI Standards
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
Income, salary and GRI 202: Market 202-1 Ratios of standard entry 103
benefits Presence (2016) level wage by gender
compared to local
minimum wage
Economic GRI 203: Indirect 203-2 Significant indirect 83
NO POVERTY Development in Economic Impacts economic impacts
End poverty areas of high poverty (2016)
in all its forms
everywhere GRI 207: Tax (2019) 207-1 Approach to tax 69
207-2 Tax governance, control, 69
and risk management
207-3 Stakeholder engagement 69
and management of
concerns related to tax
207-4 Country-by-country 69
reporting
Operations that GRI 413: Local 413-2 Operations with significant 83
have an impact on Communities (2016) actual and potential
community negative impacts on local
communities
Economic GRI 201: Economic 201-1 Direct economic value 67
Performance Performance (2016 generated and distributed
Economic GRI 203: Indirect 203-2 Significant indirect 83
Development in Economic Impacts economic impacts
areas of high poverty (2016)
ZERO HUNGER
End hunger, achieve Operations that GRI 413: Local 413-2 Operations with significant 83
food security and have an impact on Communities (2016) actual and potential
improved nutrition community negative impacts on local
and promote communities
sustainable
agriculture
Economic GRI 203: Indirect 203-2 Significant indirect 83
development in Economic Impacts economic impacts
areas of the highest (2016)
poverty
Air Quality GRI 305: Emission 305-1 Direct (Scope 1) GHG 117
GOOD HEALTH (2016) emissions
AND WELL-BEING
Ensure healthy 305-2 Energy indirect (Scope 2) 117
lives and promote GHG emissions
wellbeing for all at 305-3 Other indirect (Scope 3) 117
all ages GHG emissions
Sustainability Report 2023 PT Bank BTPN Tbk 149
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GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
305-6 Emissions of ozone 117
depleting substances
(ODS)
305-7 Nitrogen oxides (NO), sulfur 118
oxides (SO), and other
significant air emissions
Well-being GRI 401: 401-2 Benefits provided to 118
Employement (2016) fulltime employees that are
not provided to temporary
or part-time employees
Training and GRI 404: Training and 404-1 Average hours of training 98, 106,
education Education (2016) per year per employee 107
404-2 Programs for upgrading 105, 106
employee skills and
transition assistance
QUALITY programs
EDUCATION
Ensure inclusive
and equitable
quality education
and promote
lifelong learning
opportunities for all
Equal opportunity GRI 2: General 2-9 Governance structure and 122, 124,
Disclosure (2021) composition 125
2-10 Nomination and selection 126
of the highest governance
body
GENDER
EQUALITY Gender equality GRI 202: Market 202-1 Ratios of standard entry 103
Achieve gender Presence (2016) level wage by gender
equality and compared to local
empower all women minimum wage
and girls GRI 203: Indirect 203-1 Infrastructure investments 93
Economic Impacts and services supported
(2016)
GRI 401: 401-1 New employee hires and 100, 102
Employment (2016) employee turnover
401-2 Benefits provided to 104
fulltime employees that are
not provided to temporary
or part-time employees
401-3 Parental leave 104
GRI 404: Education 404-3 Percentage of employees 108
and Training (2016) receiving regular
performance and career
development reviews
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Appendix
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
GRI 405-1: 405-1 Diversity of governance 98
Diversity and Equal bodies and employees
Opportunity (2016)
405-2 Ratio of basic salary and 100
remuneration of women to
men
Anti- discrimination GRI 406: 406-1 Incidents of discrimination 98
NonDiscrimination and corrective actions
(2016) taken
Social impact of GRI 414: Supplier 414-1 New suppliers that were 68-69
suppliers Social Assessment screened using social
(2016) criteria
414-2 Negative social impacts 68-69
in the supply chain and
actions taken
CLEAN WATER
AND SANITATION
Ensure availability
and sustainable
management of
water and sanitation
for all
Energy Efficiency GRI 302: Energy 302-1 Energy consumption within 116
(2016) the organization
302-2 Energy consumption 116
outside of the organization
AFFORDABLE AND
CLEAN ENERGY 302-3 Energy intensity 116
Ensure access to 302-4 Reduction of energy 117
affordable, reliable, consumption
sustainable and
modern energy for 302-5 Reductions in energy 116
all requirements of products
and services
Sustainability Report 2023 PT Bank BTPN Tbk 151
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GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
Work opportunity GRI 102: General 2-7 Employees 97, 98
Disclosure (2021)
2-8 Workers who are not 98
employees
DECENT WORK Economic GRI 201: Economic 201-1 Direct economic value 67
AND ECONOMIC improvement Performance (2016) generated and distributed
GROWTH
Promote sustained, Income, wages, and GRI 202: Market 202-1 Ratios of standard entry 103
inclusive and benefits Presence (2016) level wage by gender
sustainable compared to local
economic growth, minimum wage
full and productive
employment and 202-2 Proportion of senior 100
decent work for all management hired from the
local community
GRI 203: Indirect 203-2 Significant indirect 83
Economic Impacts economic impacts
(2016)
GRI 204: 204-1 Proportion of spending on 69
Procurement local suppliers
Practices (2016)
GRI 302: Energy 302-1 Energy consumption within 116
(2016) the organization
302-2 Energy consumption 116
outside of the organization
302-3 Energy intensity 116
302-4 Reduction of energy 117
consumption
302-5 Reductions in energy 116
requirements of products
and services
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Appendix
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
GRI 401: 401-1 New employee hires and 100, 102
Employment (2016) employee turnover
401-2 Benefits provided to 104
fulltime employees that are
not provided to temporary
or part-time employees
401-3 Parental leave 104
Training and GRI 404: Training and 404-1 Average hours of training 98, 106,
Education Education (2016) per year per employee 107
404-2 Programs for upgrading 105, 106
employee skills and
transition assistance
programs
404-3 Percentage of employees 108
receiving regular
performance and career
development reviews
GRI 405: Diversity 405-1 Diversity of governance 98
and Equal bodies and employees
Opportunity (2016)
405-2 Ratio of basic salary and 100
remuneration of women to
men.
GRI 406: Non- 406-1 Incidents of discrimination 98
discrimination (2016) and corrective actions
taken
GRI 408: Child Labor 408-1 Operations and suppliers at 105, 106
(2016) significant risk for incidents
of child labor
GRI 409: Forced or 409-1 Operations and suppliers at 105
Compulsory Labor significant risk for incidents
(2016) of forced or compulsory
labor
GRI 414: Supplier 414-1 New suppliers that were 68
Social Assessment screened using social
(2016 criteria
414-2 Negative social impacts 68
in the supply chain and
actions taken
Sustainability Report 2023 PT Bank BTPN Tbk 153
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GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
GRI 201: Economic 201-1 Direct economic value 67
Performance generated and distributed
Economic GRI 203: Indirect 203-1 Indirect economic impact 93
Development in Economic Impacts
areas of high poverty
INDUSTRY,
INNOVATION
AND
INFRASTRUCTURE
Build resilient
infrastructure,
promote inclusive
and sustainable
industrialization and
foster innovation
GRI 102: General 2-7 Employees 97, 98
Disclosure (2021)
2-8 Workers who are not 98
employees
REDUCED Economic GRI: Tax (2019) 207-1 Approach to tax 69
INEQUALITIES Development in
Reduce inequality areas of high poverty
within and among 207-2 Tax governance, control, 69
countries and risk management
207-3 Stakeholder engagement 69
and management of
concerns related to tax
207-4 Country-by-country 69
reporting
GRI 401: 401-1 New employee hires and 100, 102
Employment (2016) employee turnover
GRI 404: Training and 404-1 Average hours of training 104
Education (2016) per year per employee
404-3 Percentage of employees 104
receiving regular
performance and career
development reviews
GRI 405: Diversity 405-2 Ratio of basic salary and 100
and Equal remuneration of women to
Opportunity men.
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Appendix
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
Infrastructure GRI 203: Indirect 203-1 Indirect economic impact 93
Investments Economic Impacts
(2016)
SUSTAINABLE
CITIES AND
COMMUNITIES
Make cities and
human settlements
inclusive, safe,
resilient and
sustainable
GRI 302: Energi 302-1 Energy consumption within 116
(2016) Energy the organization
302-3 Energy intensity 116
302-4 Reduction of energy 116
RESPONSIBLE consumption
CONSUMPTION 302-5 Reductions in energy 117
AND PRODUCTION requirements of products
Ensure sustainable and services
consumption and
production patterns Air Quality GRI 305: Emission 305-1 Direct (Scope 1) GHG 116
(2016) emissions
305-2 Energy indirect (Scope 2) 117
GHG emissions
305-3 Other indirect (Scope 3) 117
GHG emissions
305-6 Emissions of ozone 118
depleting substances
(ODS)
305-7 Nitrogen oxides (NO), sulfur 118
oxides (SO), and other
significant air emissions
Information and GRI 417: Marketing 417-1 Requirements for product 78
Labeling of products and Labeling (2016) and service information and
and services labeling
Sustainability Report 2023 PT Bank BTPN Tbk 155
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GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
Economic Impact GRI 201: Economic 201-1 Direct economic value 67
Performance (2016 generated and distributed
Energy use GRI 302: Energy 302-1 Energy consumption within 116
(2016) the organization
CLIMATE ACTION 302-2 Energy consumption 116
Take urgent action outside of the organization
to combat climate 302-3 Energy intensity 116
change and its
impacts 302-4 Reduction of energy 117
consumption
302-5 Reductions in energy 116
requirements of products
and services
Air Quality GRI 305: Emissions 305-1 Direct (Scope 1) GHG 117
(2016) emissions
305-2 Energy indirect (Scope 2) 117
GHG emissions
305-3 Other indirect (Scope 3) 117
GHG emissions
305-4 GHG emissions intensity 117
305-5 Reduction of GHG 118
emissions
Air Quality GRI 305: Emissions 305-1 Direct (Scope 1) GHG 117
(2016) emissions
305-2 Energy indirect (Scope 2) 117
GHG emissions
LIFE BELOW 305-3 Other indirect (Scope 3) 117
WATER GHG emissions
Conserve and 305-4 GHG emissions intensity 117
sustainably use the
oceans, seas and 305-5 Reduction of GHG 118
marine resources emissions
for sustainable
305-7 Nitrogen oxides (NO), sulfur 118
development
oxides (SO), and other
significant air emissions
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Appendix
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
GRI 305: Emissions 305-1 Direct (Scope 1) GHG 117
(2016) emissions
305-2 Energy indirect (Scope 2) 117
GHG emissions
LIFE ON LAND 305-3 Other indirect (Scope 3) 117
Protect, restore and GHG emissions
promote sustainable 305-4 GHG emissions intensity 117
use of terrestrial
ecosystems, 305-5 Reduction of GHG 118
sustainably manage emissions
forests, combat
305-7 Nitrogen oxides (NO), sulfur 118
desertification, and
oxides (SO), and other
halt and reverse land
significant air emissions
degradation and halt
biodiversity loss
GRI 102: General 2-22 Statement on sustainable 6, 7, 27,
Disclosure (2021) development strategy 31, 37, 42
2-23 Policy commitments 128
2-24 Embedding policy 128
PEACE, JUSTICE commitments
AND STRONG 2-26 Mechanisms for seeking 134
INSTITUTIONS advice and raising
Promote peaceful concerns
and inclusive
communities 2-9 Governance structure and 122, 124,
for sustainable composition 125
development,
2-11 Chair of the highest 124
provide access to
governance body
justice for all, and
build effective, 2-10 Nomination and selection 126
accountable and of the highest governance
inclusive institutions body
at all levels
2-15 Conflicts of interest 127
2-17 Collective knowledge of the 133-136
highest governance body
2-19 Remuneration policies 136
2-25 Process to remediate 132
negative impacts
Anti-corruption GRI 205: Anti- 205-1 Operations assessed for 130
corruption (2016) risks related to corruption
205-2 Communication 131
and training about
anticorruption policies and
procedures
205-3 Confirmed incidents of 131
corruption and actions
taken
Sustainability Report 2023 PT Bank BTPN Tbk 157
Page 164
GRI Standard
SDGs Business Theme Disclosure Title Disclosure Page
Relevance
GRI 206: Anti- 206-1 Legal actions for 137, 139
Competitive Behavior anticompetitive behavior,
(2016) anti-trust, and monopoly
practices
GRI 408: Child Labor 408-1 Operations and suppliers at 105, 106
(2016) significant risk for incidents
of child labor
GRI 410: Security 410-1 Security personnel trained 108
Practices (2016) in human rights policies or
procedures
GRI 414: Supplier 414-1 New suppliers that were 68
Social Assessment screened using social
(2016) criteria
414-2 Negative social impacts 68
in the supply chain and
actions taken
GRI 417: Marketing 417-2 Incidents of noncompliance 78
and Labeling (2016) concerning product and
service information and
labeling
417-3 Incidents of non- 78
compliance concerning
marketing communications
GRI 418: Customer 418-1 Substantiated complaints 78
Privacy (2016) concerning breaches of
customer privacy and
losses of customer data
GRI 419: 419-1 Non-compliance with laws 75
Socioeconomic and regulations in the
Compliance (2016) social and economic area
GRI: Tax (2019) 207-1 Approach to tax 69
207-2 Tax governance, control, 69
and risk management
207-3 Stakeholder engagement 69
PARTNERSHIP and management of
FOR THE GOALS concerns related to tax
Strengthen 207-4 Country-by-country 69
the means of reporting
implementation
and revitalize the
global partnership
for sustainable
development
158 Sustainability Report 2023 PT Bank BTPN Tbk
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Appendix
GRI STANDARD INDEX
Statement of use Bank BTPN has reported in accordance with GRI Standards for the period of January 1, 2023,
to December 31, 2023
GRI 1 used GRI 1: Foundation 2021
Applicable GRI GRI G4 Financial Services Sector Disclosure
Sector Standard
Disclosure
GRI Standard Disclosure Description Page
Number
GENERAL DISCLOSURE
GRI 2 THE ORGANIZATION AND ITS REPORTING PRACTICES
General Disclosure
2021 2-1 Organizational details 48
2-2 Entities included in the organization’s sustainability reporting 48
2-3 Reporting period, frequency and contact point 142, 145
2-4 Restatements of information 142
2-5 External assurance 142
ACTIVITIES AND WORKERS
2-6 Activities, value chain and other business relationships 48, 49, 68,
72
2-7 Employees 97, 98
2-8 Workers who are not employees 98
GOVERNANCE
2-9 Governance structure and composition 122, 124,
125
2-10 Nomination and selection of the highest governance body 126
2-11 Chair of the highest governance body 124
2-12 Role of the highest governance body in overseeing the management 38
of impacts
2-13 Delegation of responsibility for managing impacts 38
2-14 Role of the highest governance body in sustainability reporting 40
2-15 Conflicts of interest 127
2-16 Communication of critical concerns 133
2-17 Collective knowledge of the highest governance body 133-136
2-18 Evaluation of the performance of the highest governance body 136
2-19 Remuneration policies 136
2-20 Process to determine remuneration 136
2-21 Annual total compensation ratio 136
Sustainability Report 2023 PT Bank BTPN Tbk 159
Page 166
Disclosure
GRI Standard Disclosure Description Page
Number
STRATEGY, POLICIES AND PRACTICES
2-22 Statement on sustainable development strategy 6, 7, 27,
31, 37, 42
2-23 Policy commitments 128
2-24 Embedding policy commitments 128
2-25 Processes to remediate negative impacts 132
2-26 Mechanisms for seeking advice and raising concerns 134
2-27 Compliance with laws and regulations 137, 140
2-28 Membership associations 49
STAKEHOLDER ENGAGEMENT
2-29 Approach to stakeholder engagement 40
2-30 Collective bargaining agreements 105
GRI 3: Material Topics MATERIAL TOPICS
2021
3-1 Process to determine material topics 142
3-2 List of material topics 143-144
3-3 Management of material topics 143
SPECIFIC TOPIC DISCLOSURE
GRI 3: Material Topics ECONOMIC PERFORMANCE
2021
3-3 Management of material topics 143
GRI 201: Economic 201-1 Direct economic value generated and distributed 67
Performance 2016
201-2 Financial implications and other risks and opportunities due to 58
climate change
201-3 Defined benefit plan obligations and other retirement plans 105
201-4 Financial assistance received from government 67
GRI 3: Material Topics MARKET PRESENCE
2021
3-3 Management of material topics 143
GRI 202: Market 202-1 Ratios of standard entry level wage by gender compared to local 103
Presence 2016 minimum wage
202-2 Proportion of senior management hired from the local community 100
GRI 3: Material Topics INDIRECT ECONOMIC IMPACT
2021
3-3 Management of material topics 143
GRI 203: Indirect 203-1 Infrastructure investments and services supported 93
Economic Impact 2016
203-2 Significant indirect economic impacts 83
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Appendix
Disclosure
GRI Standard Disclosure Description Page
Number
GRI 3: Material Topics PROCUREMENT PRACTICES
2021
3-3 Management of material topics 143
GRI 204: Procurement 204-1 Proportion of spending on local suppliers 69
Practices 2016
GRI 3: Material Topics ANTI-CORRUPTION
2021
3-3 Management of material topics 143
GRI 205: Anti- 205-1 Operations assessed for risks related to corruption 130
corruption 2016
205-2 Communication and training about anti-corruption policies and 131
procedures
205-3 Confirmed incidents of corruption and actions taken 131
GRI 3: Material Topics ANTI-COMPETITIVE BEHAVIOR
2021
3-3 Management of material topics 143
GRI 206: Anti- 206-1 Legal actions for anti-competitive behavior, anti-trust, and monopoly 137, 139
Competitive Behavior practices
GRI 3: Material Topics TAX
2021
3-3 Management of material topics 143
GRI 207: Tax 2019 207-1 Approach to tax 69
207-2 Tax governance, control, and risk management 69
207-3 Stakeholder engagement and management of concerns related to 69
tax
207-4 Country-by-country reporting 69
GRI 3: Material Topics ENERGY
2021
3-3 Management of material topics 143
GRI 302: Energy 2016 302-1 Energy consumption within the organization 116
302-2 Energy consumption outside of the organization 116
302-3 Energy intensity 116
302-4 Reduction of energy consumptio 117
302-5 Reductions in energy requirements of products and services 116
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Disclosure
GRI Standard Disclosure Description Page
Number
GRI 3: Material Topics EMISSIONS
2021
3-3 Management of material topics 143
GRI 305: Emissions 305-1 Direct (Scope 1) GHG emissions 117
2016
305-2 Energy indirect (Scope 2) GHG emissions 117
305-3 Other indirect (Scope 3) GHG emissions 117
305-4 GHG emissions intensity 117
305-5 Reduction of GHG emissions 118
305-6 Emissions of ozone-depleting substances (ODS) 118
305-7 Nitrogen oxides (NO), sulfur oxides (SO), and other significant air 118
emissions
GRI 3: Material Topics EMPLOYMENT
2021
3-3 Management of material topics 143
GRI 401: Employment 401-1 New employee hires and employee turnover 100, 102
2016
401-2 Benefits provided to full-time employees that are not provided to 104
temporary or part-time employees
401-3 Parental leave 104
GRI 3: Material Topics TRAINING AND EDUCATION
2021
3-3 Management of material topics 143
GRI 404: 404-1 Average hours of training per year per employee 98, 106,
Training and Education 107
2016
404-2 Programs for upgrading employee skills and transition assistance 105, 106
programs
404-3 Percentage of employees receiving regular performance and career 108
development reviews
GRI 3: Material Topics DIVERSITY AND EQUAL OPPORTUNITY
2021
3-3 Management of material topics 143
GRI 405: Diversity and 405-1 Diversity of governance bodies and employees 98
Equal Opportunity 2016
405-2 Ratio of basic salary and remuneration of women to men 100
GRI 3: Material Topics NON-DISCRIMINATION
2021
3-3 Management of material topics 143
GRI 406: Non- 406-1 Incidents of discrimination and corrective actions taken 98
Discrimination
2016
GRI 3: Material Topics CHILD LABOR
2021
3-3 Management of material topics 143
GRI 408: Child Labor 408-1 Operations and suppliers at significant risk for incidents of child labor 105, 106
2016
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Appendix
Disclosure
GRI Standard Disclosure Description Page
Number
GRI 3: Material Topics FORCED OR COMPULSORY LABOR
2021
3-3 Management of material topics 143
GRI 409: Forced or 409-1 Operations and suppliers at significant risk for incidents of forced or 105
Compulsory Labor compulsory labor
2016
GRI 3: Material Topics SECURITY PRACTICES
2021
3-3 Management of material topics 143
GRI 410: 410-1 Security personnel trained in human rights policies or procedures 108
Security Practices 2016
GRI 3: Material Topics LOCAL COMMUNITIES
2016
3-3 Management of material topics 143
GRI 413: Local 413-1 Operations with local community engagement, impact assessments, 83
Communities 2016 and development programs
413-2 Operations with significant actual and potential negative impacts on 83
local communities
GRI 3: Material Topics SUPPLIER SOCIAL ASSESSMENT
2016
3-3 Management of material topics 143
GRI 414: Supplier 414-1 New suppliers that were screened using social criteria 68
Social Assessment
2016 414-2 Negative social impacts in the supply chain and actions taken 68
GRI 3: Material Topics MARKETING AND LABELING
2021
3-3 Management of material topics 143
GRI 417: Marketing 417-1 Requirements for product and service information and labeling 78
and Labeling 2016
417- 2 Incidents of non-compliance concerning product and service 78
information and labeling
417-3 Incidents of non-compliance concerning marketing communications 78
GRI 3: Material Topics CUSTOMER PRIVACY
2016
3-3 Management of material topics 143
GRI 418: Customer 418-1 Substantiated complaints concerning breaches of customer privacy 78
Privacy 2016 and losses of customer data
GRI 3: Material Topics SOCIOECONOMIC COMPLIANCE
2021
3-3 Management of material topics 143
GRI 419: 419-1 Non-compliance with laws and regulations in the social and 75
Socioeconomic economic area
Compliance 2016
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GRI STANDARD - FINANCIAL SECTOR (FS)
INDEX
FINANCIAL SECTOR DISCLOSURE Page
PRODUCT PORTFOLIO
FS1 Policies with specific environmental and social components applied to business lines 57, 59
FS2 Procedures for assessing and screening environmental and social risks in business lines 61
Processes for monitoring clients’ implementation of and compliance with environmental and 62
FS3
social requirements
Process(es) for improving staff competency to implement the environmental and social 108
FS4
policies and procedures as applied to business lines
Interactions with clients/ investees/business partners regarding environmental and social 60
FS5
risks and opportunities
Percentage of the portfolio for business lines by specific region, Size (e.g. micro/SME/large) 66
FS6
and by sector
Monetary value of products and services designed to deliver a specific social benefit for 65
FS7
each business line
Monetary value of products and services designed to deliver a specific environmental 65
FS8
benefit for each business line
AUDIT
FS9 Coverage and frequency of audits and risk assessment procedures 67
ACTIVE OWNERSHIP
Percentage and number of companies held in the institution’s portfolio with which the 60
FS10
reporting organization has interacted on environmental or social issue
FS11 Percentage of assets subject to positive and negative environmental or social screening 60
LOCAL COMMUNITY
FS13 Access points in low-populated or economically disadvantaged areas 64
FS14 Initiatives to improve access to financial services for people with disabilities 74
PRODUCT RESPONSIBILITY
FS15 Policies for the fair design and sale of financial products and services 74
FS16 Initiatives to enhance financial literacy by type of beneficiary 82
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Appendix
INDEX SE OJK 16/2021
Index Page
Index Name
Number
Sustainability Strategy
A.1 Sustainability Strategy Statement 57
Sustainability Performance Highlights
B.1 Economic Performance Overview 8, 64, 67
B.1.a Quantity of sold production or service 9, 49
B.1.b Income or sales 8, 49
B.1.c Net profit or loss 8
B.1.d Eco-friendly product 9
B.1.e Involving local parties related to the Sustainable Finance business process 9
B.2 Environmental Performance Overview 12
B.2.a Energy usage 12
B.2.b Result of the emissions reduction 12
B.2.c Waste and effluent reduction 12
Social Performance Overview which describe the positive and negative impacts of the 10, 74
B.3 implementation of Sustainable Finance on society and the environment.
Company Profile
C.1 Vision, Mission, and Sustainability Values 6, 7
C.2 Company Address 48
C.3 Scale of organisation 49
C.3.a Total assets or asset capitalisation and total liabilities 49
C.3.b Number of employees by gender, position, age, education, and status 97-100
C.3.c Percentage of share ownership 48
C.3.d Operational area 48
C.4 Products, services, and business activities undertaken 48, 72
C.5 Membership in the association 49
C.6 Significant change in organisation 142
Report of the Board of Directors
D.1.a Policies to respond to challenges in fulfilling the sustainability strategy 31
D.1.b Sustainable Finance Implementation 32
D.1.c Target achievement strategy 32-33
Sustainability Governance
E.1 Person in charge of sustainable finance implementation 38, 58
E.2 Competency development related to sustainable finance 108, 133-136
E.3 Risk assessment on the sustainable finance implementation 61
E.4 Relations with stakeholders 40
E.5 Issues against the sustainable finance implementation 32-33, 68
Sustainability Performance
F.1 Activities to build a culture of sustainability 58
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Index Page
Index Name
Number
Economic Performance
Comparison of production targets and performance, portfolios, financing targets, or 63
F.2 Investments, income and profit and loss
Comparison of portfolio targets and performance, financing targets, or investments in financial 65
F.3 Instruments or projects that are in compliance with sustainability
F4 Environmental Costs 119
Energy Aspect
F.6 Amount and intensity of used energy 116
F.7 Attempts and achievement of energy efficiency and use of renewable energy 117
Water Aspect
F.8 Water usage 118
Emission Aspect
F.11 Amount and intensity of resulting emissions by type 117
F.12 Emission reduction efforts and achievements conducted 118
Waste and Effluent Aspect
F.13 Amount of waste and effluent generated by type 118
F.14 Waste and effluent management mechanisms 118
Social Performance
Commitment of financial services institutions, issuers, or public companies to provide equal 75
F.17 Services for products and/or services to customers
Employment Aspect
F.18 Equal opportunity to work 98
F.19 Child labour and forced labour 105-106
F.20 Regional minimum wage 103
F.21 Decent and safe work environment 100
F.22 Training and capacity building for employees 106
Community Aspect
F.23 Impact of operations on the surrounding communities 82-83
F.24 Public complaints 76, 131
F.25 Environmental social responsibility (CSR) activities 82-83, 92
Responsibility for Sustainable Product/Service Development
F.26 Sustainable financial product/service innovation and development 65
F.27 Products/services safety that have been evaluated for customers 74-75
F.28 Impacts of product/service 74, 114
F.29 Number of product recalls 75
F.30 Customer satisfaction survey of sustainable financial products and/or services 78
Others
G.1 Written verification from an independent party, if available 142
G.2 Feedback sheet 145, 169
G.3 Responses to the preceding year’s report feedback 145
G.4 List of disclosure in accordance with POJK No. 51/2017 142
166 Sustainability Report 2023 PT Bank BTPN Tbk
Page 173
Appendix
SASB – FINANCIAL SECTOR INDEX
Data Security Page
FN-CB-230a.1 1) Number of data breaches, (2) percentage involving personally identifiable 78
information (PII), (3) number of account holders affected
FN-CB-230a.2 Description of approach to identifying and addressing data security risks 76
Financial Inclusion & Capacity Building
FN-CB-240a.1 (1) Number and (2) amount of loans outstanding qualified to programs designed 66
to promote small business and community development
FN-CB-240a.2 (1) Number and (2) amount of past due and non-accrual loans qualified to 66
programs designed to promote small business and community development
FN-CB-240a.4 Number of participants in financial literacy initiatives for unbanked, 82,85
underbanked, or underserved customers
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.1 Commercial and industrial credit exposure, by industry 137,139
FN-CB-410a.2 Description of approach to incorporation of environmental, social, and 131
governance (ESG) factors in credit analysis
Business Ethics
FN-CB-510a.1 Total amount of monetary losses as a result of legal proceedings associated 137,139
with fraud, insider trading, anti-trust, anti-competitive behavior, market
manipulation, malpractice, orother related financial industry laws or regulations
FN-CB-510a.2 Description of whistleblower policies and procedures 131
Systemic Risk Management
FN-CB-550a.1 Global Systemically Important Bank (G-SIB) score, by category 137
FN-CB-550a.2 Description of approach to incorporation of results of mandatory and voluntary 137
stress tests into capital adequacy planning, long-term corporate strategy, and
other business activities
Activity Metric
FN-CB-000.A (1) Number and (2) value of checking and savings accounts by segment: (a) 66
personal and (b) small business
FN-CB-000.B (1) Number and (2) value of loans by segment: (a) personal, (b) small business, 66
and (c) corporate
Sustainability Report 2023 PT Bank BTPN Tbk 167
Page 174
TCFD INDEX
No. TCFD Disclosure SR Section Sub Title Page
Governance Governance TCFD Recommendation
on Governance
G1 Describe the board’s oversight of climate-related 38
risks and opportunities.
G2 Describe management’s role in assessing and 38
managing climate-related risks and opportunities.
Strategy Risk TCFD Recommendation
management on Strategy
S1 Describe the climate-related risks and opportunities 114
the company has identified over the short, medium,
and long term.
S2 Describe the impact of climate-related risks and 114,115
opportunities on the company’s businesses, strategy,
and financial planning.
S3 Describe the resilience of the company’s strategy, 115
taking into consideration different climate-related
scenarios, including a 2°C or lower scenario.
Risk Management Risk TCFD Recommendation
management on Risk Management
R1 Describe the company’s processes for identifying 59,61,62
and assessing climate-related risks.
R2 Describe the company’s processes for managing 61
climate-related risks.
R3 Describe how processes for identifying, assessing, 61,62
and managing climate-related risks are integrated
into the company’s overall risk management.
Metrics and Targets Environment TCFD Recommendation
on Metric
M1 Disclose the metrics used by the company to assess 115
climate-related risks and opportunities in line with its
strategy and risk management process.
M2 Disclose Scope 1, Scope 2, and, if appropriate, 117
Scope 3 greenhouse gas (GHG) emissions, and the
related risks.
M3 Describe the targets used by the company to 117
manage climate-related risks and opportunities and
performance against targets.
168 Sustainability Report 2023 PT Bank BTPN Tbk
Page 175
Appendix
FEEDBACK SHEET [OJK G.2]
YOUR PROFILE (Please fill out the information below)
Name :__________________________________________________________________________________
Institution/company :_ ____________________________________________________________________
Email:___________________________________________________________________________________
Phone :_ ________________________________________________________________________________
Groups of Stakeholders:
Shareholders/Investor Customer Employees
Labor Union Media Suppliers
Community Organization/NGO Government/OJK Business Organizations
Others : ____________
Strongly Strongly
How do you rate the writing of this report: Disagree Neutral Agree
Disagree Agree
This report is easy to understand
This report is useful
This report describes the performance of
Financial Services Institutions in sustainable
development
How do you rate the materiality level of Not at all Not much Very
Neutral Important
the following topics: important important important
Economic performance
Indirect economic impact
Sustainable finance performance
Education and training
Employment
Customer privacy
Anti-corruption
Environmental performance
Feedback and suggestions can be submitted to the following address:
Communications & Daya Division
PT Bank BTPN Tbk
Menara BTPN, CBD Mega Kuningan
Jl. Dr. Ide Anak Agung Gde Agung Kav. 5.5-5.6 Jakarta Selatan - 12950 - Indonesia
Tel. : (62-21) 300 26 200
Fax. : (62-21) 300 26 309
Website : www.btpn.com
Email : corporate.communications@btpn.com
Linked in : PT Bank BTPN Tbk
Sustainability Report 2023 PT Bank BTPN Tbk 169
Names mentioned 95 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Dr. Ide Anak Agung Gde Agung
p.1
unresolved
org
Bank BTPN’s Sustainability Strategy
p.8 ×2
unresolved
org
Bank BTPN’s Strategy
p.8 ×2
unresolved
org
Bank BTPN’s Sustainability Policy
p.8 ×3
unresolved
org
Bank BTPN’s Products
p.9
unresolved
org
Bank BTPN’s Personnel
p.10
unresolved
org
PT Bank Syariah Ventura
p.14 ×4
unresolved
org
PT Kepland Investama
p.21 ×3
unresolved
org
Bank BTPNBTPN Tbk
p.21 ×2
unresolved
org
Ministry of Health
p.22 ×2
unresolved
org
Bank Awarding Institution
p.22
unresolved
org
PT Seino Indomobil Logistics
p.25
unresolved
org
PT SIL
p.25
unresolved
org
Bank BPTN
p.26 ×2
unresolved
org
Financial Services Authority
p.27 ×2
unresolved
org
Indonesia Stock Exchange
p.27
unresolved
org
Ministry of State-Owned Enterprises
p.28
unresolved
org
Minister of Finance
p.28
unresolved
org
Bank BTPN Again
p.28
unresolved
org
Bank BTPN Henoch Munandar
p.28
unresolved
org
Bank BTPN Dini Herdini
p.28
unresolved
org
Bank BTPN Nathan Christianto
p.28
unresolved
org
Bank BTPN Anita Ekasari
p.28
unresolved
org
Bank BTPN Andrie Darusman
p.28
unresolved
org
Bank BTPN’s RAKB
p.33 ×3
unresolved
org
Sumitomo Mitsui Bank Corporation
p.34
unresolved
org
Bank BTPN As
p.39
unresolved
org
Bank BTPN Gunung Sahari Branch
p.39
unresolved
org
Bank Understanding
p.39
unresolved
org
Bank BTPN’s Net
p.43
unresolved
org
Sumitomo Mitsui Banking Corporation
p.54 ×2
unresolved
person
Notary Komar Andasasmita
p.54
unresolved
person
Notary Dedeh Ramdah Sukarna
p.54
unresolved
person
Dr. Ide Anak Agung Linked
p.54
unresolved
org
PT Fitch
p.55
unresolved
org
PT Pemeringkat Ratings Indonesia
p.55
unresolved
org
Bank Pegawai Pensiunan Militer
p.56
unresolved
org
PT Bank Tabungan Pensiunan
p.56
unresolved
org
PT Tabungan Pensiunan
p.56
unresolved
org
Nasional Tbk
p.56
unresolved
org
PT Bank Sumitomo Mitsui Indonesia
p.56
unresolved
org
PT Bank Sumitomo Mitsui
p.56
unresolved
org
PT Bank Sahabat
p.57 ×2
unresolved
org
Bank Indonesia
p.57
unresolved
org
PT ReportReport
p.59
unresolved
org
PTBTPN Bank Tbk
p.59
unresolved
org
PT Kepland
p.63
unresolved
org
Minister of Environment
p.67
unresolved
org
Bank Financing Funding
p.71
unresolved
org
Bank BTPN’s Challenges Related
p.74
unresolved
org
Bank The Tax Management Division
p.75
unresolved
org
Bank BTPN’s ATMs
p.80
unresolved
org
Ministry of Communication
p.84
unresolved
org
Directorate General of Intellectual Property
p.92
unresolved
org
Ministry of Law and Human Rights.
p.92
unresolved
org
Bank BTPN SDG
p.99
unresolved
org
Bank BTPN’s Personnel During
p.103
unresolved
org
Bank BTPN’s Board
p.106
unresolved
org
Bank BTPN. Furthermore
p.111
unresolved
org
Bank Acceleration Program
p.112
unresolved
org
Bank BTPN Energy-saving
p.123
unresolved
org
Directorate General of Electricity
p.123
unresolved
org
Ministry of Energy and Mineral Resources
p.123
unresolved
org
Bank BTPN’s In
p.124
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