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Nomor Surat Corp/Sjn/L/IV/26-0075
Nama Perusahaan BFI Finance Indonesia Tbk
Kode Emiten BFIN
Lampiran 3
Perihal Penyampaian Laporan Tahunan & Keberlanjutan dan ESG
Perseroan Menyampaikan Laporan Tahunan & Keberlanjutan dan ESG tahun 2025 dengan periode tahun buku dari
01 Januari 2025 sampai dengan 31 Desember 2025 dalam bahasa Indonesia dan Inggris
Apakah Perseroan akan/telah melakukan panggilan Rapat Umum Pemegang Saham Tahunan? (Ya)
Perseroan melakukan panggilan Rapat Umum Pemegang Saham Tahunan pada tanggal 28 April 2026
Informasi sebagaimana dimaksud di atas telah dimuat pada Situs Web Perseroan di alamat link
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan pada tanggal 15 April 2026
Apakah Perseroan tercatat di Bursa lain? (Tidak)
A. Kinerja Lingkungan (Environmental Performance)
Perseroan menyampaikan Keberlanjutan dan ESG Tahunan :
E-01 Laporan Emisi Gas Rumah Kaca (GRK)
Laporan Emisi GRK Konsolidasi? Tidak
Batasan Organisasi Operasional/Finansial
Adakah anak perusahaan yang tidak diikutsertakan dalam
Ya
laporan ini?
Mohon Jelaskan:
-
Name Total Emisi (tCO2e)
Kategori 1: Emisi GRK langsung dan pembuangan
Emisi langsung dari pembakaran stasioner 59,79
Emisi langsung dari pembakaran bergerak 3.282,43
Emisi langsung dari proses pengolahan 0
Emisi fugitive langsung 0
Emisi langsung dari Land Use, Land Use Change and
0
Forestry (LULUCF)
Total Emisi Langsung (Scope 1) 3.342,22
Page 2
Kategori 2: Emisi GRK tidak langsung dari energi yang diimpor/dibeli
Emisi tidak langsung dari konsumsi Listrik yang
8.279,37
diimpor/dibeli
Emisi tidak langsung dari konsumsi jaringan energi yang
0
diimpor/dibeli (diluar listrik)
Total Emisi Tidak Langsung (Scope 2) 8.279,37
Kategori 3: Emisi GRK tidak langsung dari transportasi
Transportasi dan distribusi hulu 0
Perjalanan dinas 0
Transportasi dari klien dan pengunjung 0
Transportasi dan distribusi hilir 0
Perjalanan Karyawan 0
Kategori 4: Emisi GRK tidak langsung dari produk yang digunakan oleh perusahaan
Kegiatan yang berhubungan dengan energi yang tidak
termasuk dalam emisi langsung dan emisi energi tidak 0
langsung
Pembelian Barang dan Jasa 0
Capital equipment/goods 0
Limbah yang dihasilkan dalam kegiatan operasional 0
Aset Sewaan hulu 0
Kategori 5: Emisi GRK tidak langsung yang terkait dengan penggunaan produk dari perusahaan
Investasi 0
Penggunaan produk yang dijual 0
Perawatan akhir masa pakai produk yang dijual 0
Waralaba hilir 0
Aset Sewaan Hilir 0
Pengolahan produk yang dijual 0
Page 3
Kategori 6: Emisi GRK tidak langsung dari sumber lainnya
Emisi atau pembuangan tidak langsung lainnya 0
Total Emisi Tidak Langsung (Scope 3) 0
Total Emisi GRK (Scope 1 and 2) 11.621,59
Total Emisi GRK (Scope 1, 2 and 3) 11.621,59
Offsets/Credits 0
Pembelian Renewable Energy Certificate (REC) (kWh) 0
Total emisi dari Scope 1 dan 2 per unit
E-02 Intensitas Emisi GRK 1,72
pendapatan Perusahaan Tercatat
Jumlah total energi yang dikonsumsi secara
10.480.214
langsung (kWh or J)
Jumlah total energi yang dikonsumsi secara
E-03 Konsumsi Energi listrik 0
tidak langsung (kWh or J))
Total konsumsi energi (kWh or J) 10.480.214
E-04 Konsumsi Air Total konsumsi air (m3) 77.619
E-05 Limbah yang dihasilkan Total limbah yang dihasilkan (ton) 0
E-06 Komitmen Perusahaan untuk mencapai target Net Zero Emission
Apakah Perusahaan memiliki komitmen pencapaian target net zero? Ya
Tahun berapa Perusahaan menargetkan pencapaian Net Zero emission yang
2060
dipublikasi?
Mohon berikan deskripsi ringkas penjelasan dan tautan ke dokumentasi yang menjelaskan komitmen
pencapaian target Net zero emission Perusahaan.
Perusahaan telah menetapkan komitmen internal untuk mencapai Net Zero Emission pada tahun 2060 yang
tertuang dalam Surat Keputusan (SK) Kerangka Keberlanjutan (Sustainability Framework). Dokumen
tersebut saat ini bersifat internal dan belum dipublikasikan kepada publik. Kemajuan yang telah dicapai oleh
Perusahaan, dipublikasikan pada laporan keberlanjutan atau situs resmi perusahaan.
E-07 Komitmen Perusahaan untuk mengurangi Emisi Gas Rumah Kaca (Emission Reduction)
Apakah Perusahaan memiliki komitmen mengurangi emisi? Ya
5%
Target pengurangan emisi GRK
581,08 (tCO2e)
Tahun target untuk penurunan emisi GRK? 2030
Apakah perusahaan memiliki manajemen yang mengawasi pengendalian iklim?
Tidak
Langkah-langkah yang sudah dilakukan dan penurunan emisi yang telah dicapai dibandingkan tahun
sebelumnya.
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Penjelasan:
Perusahaan telah menetapkan komitmen internal untuk mencapai Net Zero Emission pada tahun 2060 yang
tertuang dalam Surat Keputusan (SK) Kerangka Keberlanjutan (Sustainability Framework). Dokumen tersebut
saat ini bersifat internal dan belum dipublikasikan kepada publik. Kemajuan yang telah dicapai oleh Perusahaan,
dipublikasikan pada laporan keberlanjutan atau situs resmi perusahaan.
B. Kinerja Sosial (Social Performance)
S-01 Kesetaraan Gender
Laki-Laki Perempuan
Level Jabatan
Jumlah pegawai Persentasi pegawai Jumlah pegawai Persentasi pegawai
Entry-level 4.419 74,22 % 1.535 25,78 %
Mid-level 3.236 73,35 % 1.176 26,65 %
Senior-level 108 83,08 % 22 16,92 %
Executive-level 11 91,67 % 1 8,33 %
Total Pegawai 7.774 73,98 % 2.734 26,02 %
S-02 Jumlah level pegawai yang dimiliki oleh laki-laki dan perempuan berdasarkan kelompok umur
Level Jabatan
Rentang Usia Entry-level Mid-level Senior-level Executive-level Jumlah
(tahun) Pegawai
Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
18-25 1.147 711 252 171 0 0 0 0 2.281
25-35 2.833 727 1.869 697 13 2 0 0 6.141
35-45 416 96 1.003 277 55 12 1 0 1.860
45-55 22 1 110 29 39 8 6 1 216
>55 1 0 2 2 1 0 4 0 10
S-03 Tingkat Pergantian Pegawai
Jumlah Pegawai (dalam tahun Percentage Pegawai (dalam tahun
pelaporan) pelaporan)
Jumlah Pegawai
resign/Pemutusan Hubungan 3.423 Pegawai 32,58 %
Kerja
Jumlah Pegawai Baru/pengganti 4.082 Pegawai 38,85 %
S-04 Jumlah Pegawai Sementara
Jumlah Pegawai (dalam tahun Percentage Pegawai (dalam tahun
pelaporan) pelaporan)
Jumlah Pegawai perusahaan
yang dipegang oleh kontraktor 4.875 Pegawai 46,39 %
dan/atau konsultan
Page 5
S-05 Pelatihan dan Pengembangan Pegawai
Rata-rata jam pelatihan per
Jumlah pegawai yang ikut serta Persentase jumlah pegawai yang
pegawai dalam tahun
dalam program pelatihan ikut serta dalam pelatihan (%)
Pelaporan
5 jam/pegawai 10.260 97,64 %
S-06 Jumlah Kecelakaan Kerja
Persentase kecelakaan kerja serius yang berakibat
Frekuensi kecelakaan kerja dari total pegawai
cedera serius dan fatal dari total pegawai (%)
33 0,02 %
S-07 Jumlah Kejadian Pelanggaran Hak Asasi Manusia
Jumlah pelanggaran hak asasi manusia dalam tahun
0
Pelaporan
Kebijakan Perusahaan terkait Pekerja
S-08 Perusahaan memiliki kebijakan terkait pelecehan seksual dan/atau
Ya
non-diskriminasi?
Kebijakan terkait pelecehan seksual dan/atau non-diskriminasi diatur dalam Peraturan Perusahaan pasal 41
point 4 tentang Pencegahan dan Penanggulangan, serta pasal 46 dan 47 tentang Tata Cara Penyelesaian
Keluhan.
S-09 Perusahaan memiliki kebijakan mengenai hak asasi manusia? Ya
Perusahaan berkomitmen untuk menghormati dan melindungi Hak Asasi Manusia dalam seluruh kegiatan
usahanya, termasuk dalam pengelolaan sumber daya manusia. Komitmen ini diwujudkan melalui penerapan
kebijakan yang dimuat di Peraturan Perusahaan
- Memenuhi hak-hak dasar ketenagakerjaan, antara lain pengupahan yang layak, perlindungan jaminan
sosial, kesehatan dan keselamatan kerja, serta pelatihan dan pengembangan kompetensi karyawan.
- Menjunjung tinggi hubungan kerja yang profesional dan transparan, termasuk kejelasan status
kepegawaian, penempatan kerja, proses rekrutmen, serta pengelolaan karier karyawan.
- Menerapkan prinsip kesetaraan dan non-diskriminasi, termasuk memberikan kesempatan yang setara bagi
karyawan yang memiliki hubungan keluarga untuk bekerja di Perusahaan sesuai dengan kebijakan yang
berlaku.
S-10 Perusahaan memiliki kebijakan mengenai pekerja anak dan/atau
Tidak
pekerja paksa?
Perusahaan belum memiliki kebijakan khusus terkait dengan pekerja anak dan/atau pekerja paksa.
S-11 Perusahaan memiliki kebijakan perusahaan mengenai kesehatan dan
keselamatan kerja serta lingkungan kerja yang aman dan layak diberikan Ya
kepada seluruh karyawan?
Kebijakan perusahaan mengenai kesehatan dan keselamatan kerja serta lingkungan kerja yang aman dan
layak diberikan kepada seluruh karyawan tercantum dalam Peraturan Perusahaan pasal 35 tentang
Program Badan Penyelenggara Jaminan Sosial Ketenagakerjaan (BPJS Ketenagakerjaan) dan Jaminan
Sosial Kesehatan (BPJS Kesehatan), pasal 36 tentang Asuransi Jiwa dan Kecelakaan diri dan pasal 41
tentang Pencegahan dan Penanggulangan.
Selain itu, Perusahaan juga memiliki SK tentang Policy Pedoman Keselamatan, Kesehatan Kerja &
Lingkungan (POL/HC/050/VERSI 2) dan telah membentuk Panitia Pembina Keselamatan dan Kesehatan
Page 6
Kerja (P2K3) yang disahkan oleh Disnaker Provinsi dengan nomor surat 188.4/3/2181-DTKT/P2K3/IX/2024.
Corporate Social Responsibility (CSR)
S-12 Perusahaan memiliki aktivitas CSR, investasi atau sumbangan
Ya
terhadap komunitas atau organisasi nirlaba terdaftar?
Perusahaan memiliki aktivitas CSR, investasi atau sumbangan terhadap komunitas atau organisasi nirlaba
terdaftar dimuat dalam Laporan Tahunan Terintegrasi 2025 halaman 219-225 (Bab Keberlanjutan).
C. Kinerja Tata Kelola (Governance Performance)
G-01 Keberagaman Manajemen dan Independensi (Board Diversity and Independence)
Tipe Manajemen
Jumlah Laki-laki Perempuan Pihak Independen
Perusahaan
Komisaris 0 5 0 2
Direksi 0 5 0 0
G-02 Total kehadiran direksi dan komisaris ke rapat dewan
Jumlah rapat dewan (di tahun Rata-rata persentase kehadiran
pelaporan) direksi/komisaris dalam rapat dewan
Jumlah kehadiran direksi ke rapat
11 100 %
dewan
Jumlah kehadiran komisaris ke
11 100 %
rapat dewan
Kebijakan mengenai manajemen lainnya
G-03 Perusahaan memiliki kebijakan mengenai pemisahan Chairman of
Tidak
The Board dan CEO?
Selama periode pelaporan, tidak terdapat pemisahaan fungsi Chairman of the Board dan Chief Executive
Officer. Kedua fungsi tersebut menjadi tugas dan tanggung jawab dari Presiden Direktur. Sedangkan,
Dewan Komisaris Perseroan menjalankan fungsi pengawasan dan pemantauan atas segala tindakan
implementasi strategi yang dilakukan Direksi Perseroan.
G-04 Perusahaan memiliki kebijakan penilaian dewan direksi dan
Ya
komisaris
Kebijakan penilaian kinerja tahunan dewan direksi/komisaris dan pengungkapan kriteria serta proses
penilaian disampaikan dalam Pedoman Direksi dan Dewan Komisaris bagian Evaluasi Kinerja Dewan
Komisaris/Direksi. Hal ini juga dimuat dalam Laporan Tahunan Terintegrasi 2025 halaman 252 (Bab Data
Perusahaan).
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-05 Perusahaan memiliki kebijakan pelatihan dewan direksi dan
Ya
komisaris
Perusahaan memiliki kebijakan pelatihan Direksi dan Dewan Komisaris sesuai dengan ketentuan OJK,
dimana Direksi dan Dewan Komisaris wajib mengikuti pelatihan untuk meningkatkan kompetensi. Hal ini
dimuat dalam Pedoman Direksi dan Dewan Komisaris. Informasi mengenai pelatihan Direksi dan Dewan
Komisaris sepanjang 2025 diungkapkan dalam Laporan Tahunan Terinegrasi 2025 halaman 168-170 (Bab
GCG).
Page 7
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-06 Kriteria khusus yang digunakan untuk pemilihan dewan direksi dan
Ya
komisaris
Kebijakan terkait dengan kriteria dalam pemilian Dewan Komisaris dan Direksi diungkapkan dalam
Pedoman Direksi dan Dewan Komisaris. Hal ini juga diungkapkan dalam Laporan Tahunan Terintegrasi
2025 halaman 236-237 & 240 (Bab Data Perusahaan).
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-07 Perusahaan memiliki kebijakan mengenai kode etik dan/atau anti-
Ya
korupsi?
Kebijakan antikorupsi di perusahaan mencakup, antara lain, penerapan transparansi dalam sistem
pengadaan barang dan jasa, serta pemberian dan penerimaan hadiah oleh dan bagi perusahaan. Ketentuan
tercantum dalam sbb:
- Policy Pelaksanaan Tata Kelola Perusahaan yang Baik
- Policy Sistem Manajemen Anti Penyuapan
- Surat Keputusan Anti Gratifikasi
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/kebijakan-anti-korupsi
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
G-08 Perusahaan memiliki kebijakan mengenai perlakuan adil terhadap
Ya
Pemegang Saham?
Kebijakan mengenai perlakuan adil terhadap pemegang saham disampaikan dalam Pedoman Tata Kelola
Perusahaan yang Baik dan Anggaran Dasar Perusahaan.
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/anggaran-dasar
G-09 Perusahaan memiliki kebijakan mengenai kewajiban
Ya
direksi/komisaris untuk mencegah adanya konflik kepentingan?
Dalam upaya menjaga integritas dan kepercayaan publik, Perusahaan telah menerapkan kebijakan yang
jelas dan tegas mengenai konflik kepentingan, yang diterapkan di seluruh tingkat organisasi. Kebijakan
terkait konflik kepentingan tersebut berlaku bagi Dewan Komisaris dan Direksi tertuang dalam Pedoman
Dewan Komisaris dan Direksi dan Pedoman Tata Kelola Perusahaan yang Baik.
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
Page 8
D. Lain-lain
Keselarasan Laporan Keberlanjutan/Tahunan dengan Metrik ESG
Halaman di Laporan
Kinerja Kode Nama Metrik
Keberlanjutan/Tahunan
E-01 Laporan Emisi Gas Rumah Kaca 216
E-02 Intensitas Emisi Gas Rumah Kaca -
E-03 Konsumsi Energi Listrik 216
E-04 Konsumsi Air 216
Lingkungan
E-05 Limbah yang Dihasilkan -
Komitmen Perusahaan untuk Mencapai
E-06 -
Target Net Zero Emission
Komitmen Perusahaan untuk
E-07 -
mengurangi Emisi Gas Rumah Kaca
S-01 Kesetaraan Gender -
Pegawai Berdasarkan Gender dan
S-02 62
Kelompok Umur
S-03 Tingkat Pergantian Pegawai -
S-04 Jumlah Pegawai Sementara -
S-05 Pelatihan dan Pengembangan Pegawai 210-212
S-06 Jumlah Kecelakaan Kerja 213
Kejadian Pelanggaran Hak Asasi
S-07 -
Manusia
Sosial Kebijakan Pelecehan Seksual dan/atau
S-08 -
Non-diskriminasi
S-09 Kebijakan Mengenai Hak Asasi Manusia 209
Kebijakan Pekerja Anak dan/atau
S-10 -
Pekerja Paksa
Kebijakan Mengenai Kesehatan dan
Keselamatan Kerja serta Lingkungan
S-11 213
Kerja yang Aman dan Layak diberikan
Kepada Seluruh Karyawan
S-12 Pencegahan Konflik Kepentingan 219-224
Page 9
Keberagaman Manajemen dan
G-01 237-242
Independensi
Total Kehadiran Direksi dan Komisaris ke
G-02 254-255
Rapat Dewan
Kebijakan Pemisahan Chairman of the
G-03 -
Board dan CEO
Kebijakan Penilaian Dewan Direksi dan
G-04 252
Komisaris
Kebijakan Pelatihan Dewan Direksi dan
Tata-kelola G-05 167-170
Komisaris
G-06 Kriteria Khusus Pemilihan Dewan 236-240
G-07 Kode Etik dan/atau Anti-Korupsi 272-275
Kebijakan Perlakuan Adil terhadap
G-08 152-158
Pemegang Saham
G-09 Pencegahan Konflik Kepentingan 152-153
Standar Internasional yang Diacu dan Verifikasi Pihak Ketiga
Keselarasan dengan kerangka pelaporan keberlanjutan
X Ya Tidak
GRI
TCFD
CDP
IFRS S1
IFRS S2
SASB
X Others, please specify
POJK No. 51/POJK.03/2017 dan SEOJK No. 16/SEOJK.04/2021
Assurance dan validasi pihak ketiga
X Tidak
Demikian untuk diketahui.
Hormat Kami,
BFI Finance Indonesia Tbk
Page 10
Budi Darwan Munthe
Corporate Secretary
BFI Finance Indonesia Tbk
BFI Tower - Sunburst CBD Lot 1.2, Jl. Kapt. Soebijanto Djojohadikusumo BSD City,
Telepon : (021) 2965 0300, 2965 0500 , Fax : (021) 2966 0757, 2966 58 , www.bfi.co.
Nama Pengirim Budi Darwan Munthe
Jabatan Corporate Secretary
Tanggal dan Waktu 15-04-2026 13:15
Lampiran 1. Penyerahan Laporan Tahunan Terintegrasi 2025.pdf
2. IR-BFI 2025_IND.pdf
3. IR-BFI 2025_EN.pdf
Dokumen ini merupakan dokumen resmi BFI Finance Indonesia Tbk yang tidak memerlukan tanda tangan karena
dihasilkan secara elektronik oleh sistem pelaporan elektronik. BFI Finance Indonesia Tbk bertanggung jawab penuh
atas informasi yang tertera didalam dokumen ini.
Page 11
Go To Indonesian Page
Letter / Announcement No. Corp/Sjn/L/IV/26-0075
Issuer Name BFI Finance Indonesia Tbk
Issuer Code BFIN
Attachment 3
Subject Submission of Annual And Sustainability Report
The Company hereby submit Annual And Sustainability Report Report 2025 for the period of 01 Januari 2025 to 31
Desember 2025 in Indonesia dan Inggris
Will the Company be/has summons for the Annual General Meeting of Shareholders? (Yes)
The Company made invitations to the Annual General Meeting of Shareholders on 28 April 2026
The information referred above has been published on the Company’s website
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan at 15 April 2026
Is the Company listed on another Stock Exchange? (No)
A. Environmental Performance
The Company submits its Annual Sustainability and ESG Report:
E-01 Greenhouse Gas (GHG) Emission Report
Consolidated GHG Emission Report? No
Organizational Boundaries Operasional/Finansial
Any subsidiaries that are not included in the report? Yes
Please Explain:
-
Name Total emission (tCO2e)
Category 1: Direct GHG emissions and removals
Direct emissions from stationary combustion 59,79
Direct emissions from mobile combustion 3.282,43
Direct emissions from processes 0
Direct fugitive emissions 0
Direct emissions from Land Use, Land Use Change and
0
Forestry (LULUCF)
Total Direct Emissions (Scope 1) 3.342,22
Category 2: Indirect GHG emissions from imported energy
Page 12
Indirect emissions from imported/purchased electricity
8.279,37
consumption
Indirect emissions from imported/purchased network energy
0
consumption (excluding electricity)
Total Indirect Emissions (Scope 2) 8.279,37
Category 3: Indirect GHG emissions from transportation
Upstream transport and distribution 0
Business travels 0
Transportation of clients and visitors 0
Downstream transportation and distribution 0
Employee commuting 0
Category 4: Indirect GHG emissions from products used by Organization
Energy related activities not included in direct emissions and
0
energy indirect emissions
Purchased goods and services 0
Capital equipment/goods 0
Waste generated in operations 0
Upstream leased assets 0
Category 5: Indirect GHG Emissions associated with the use of products from the Organization
Investments 0
Use of sold products 0
End of life treatment of sold products 0
Downstream franchises 0
Downstream leased assets 0
Processing of sold products 0
Category 6: Indirect GHG emissions from other sources
Page 13
Other indirect emissions or removals 0
Total GHG Emissions (Scope 1 and 2) 0
Total GHG Emissions (Scope 1 and 2) 11.621,59
Total GHG Emissions (Scope 1, 2 and 3) 11.621,59
Offsets/Credits 0
REC Purchases (kWh) 0
Total scope 1 and 2 emissions produced per
E-02 GHG Emissions Intensity 1,72
revenue of listed compant (tCO2e/Rp)
Total amount of energy directly consumed
10.480.214
(kWh or J)
Total amount of energy indirectly consumed
E-03 Electricity Consumption 0
(kWh or J)
Total energy consumption (kWh or J) 10.480.214
E-04 Water Consumption Total water consumed (m3) 77.619
E-05 Waste Generation Total waste generated (ton) 0
E-06 Company commitment to Net Zero Emission Target
Does the Company have a net zero emission target commitment? Yes
What year is the Company’s net zero emission published target? 2060
Please provide a brief description and a link to documentation explaining the Company’s commitment in
achieving net zero emission target.
The Company has established an internal commitment to achieve Net Zero Emissions by 2060, as outlined
in the Sustainability Framework Decree (SK). This document is currently internal and has not been released
to the public. The Company's progress is published in its sustainability report or on its official website.
E-07 Company Commitment to GHG Emission Reduction Target
Does the Company commit to reducing GHG emission? Ya
5%
What is the Company’s GHG emission reduction target?
581,08 (tCO2e)
Targeted year in achieving GHG reduction target? 2030
Does the Listed Company has measures on monitoring in enacting climate policy?
No
Steps that have been taken and emission reductions that have been achieved compared to the previous year
Page 14
In 2025, the Company implemented various environmental management initiatives as part of its commitment to
achieving Net Zero Emissions by 2060. The measures taken included energy and water conservation through
the regulation of electricity usage, the reduction and sorting of domestic waste, the optimization of paper usage,
the provision of hazardous waste management facilities at the Head Office, and mangrove planting program to
enhance carbon sequestration.
The reporting year marks the initial phase of strengthening emissions measurement and management; therefore,
the Company is not yet able to present a comparison of emissions reductions with the previous year. Current-
year emissions data will be used as a baseline for evaluating and setting emissions reduction targets for the
subsequent period.
B. Kinerja Sosial (Social Performance)
S-01 Gender Diversity
Men Women
Job positions Number of Percentage of Percentage of
Number of employees
employees employees employees
Entry-level 4.419 74,22 % 1.535 25,78 %
Mid-level 3.236 73,35 % 1.176 26,65 %
Senior-level 108 83,08 % 22 16,92 %
Executive-level 11 91,67 % 1 8,33 %
Total Pegawai 7.774 73,98 % 2.734 26,02 %
S-02 Employees Level by Gender and Age Group
Job levels
Age group Entry-level Mid-level Senior-level Executive-level Number of
(years) employees
Men Women Men Women Men Women Men Women
18-25 1.147 711 252 171 0 0 0 0 2.281
25-35 2.833 727 1.869 697 13 2 0 0 6.141
35-45 416 96 1.003 29 55 12 1 0 1.860
45-55 22 1 110 29 39 8 6 1 216
>55 1 0 2 2 1 0 4 0 10
S-03 Employees Turnover
Number of employees Percentage
(in reporting year) (in reporting year)
Number of employees resigned 3.423 Employees 32,58 %
Number of newly appointed
4.082 Employees 38,85 %
Employees
S-04 Temporary Worker
Number of employees Percentage
(in reporting year) (in reporting year)
Page 15
Total company headcount held
by contractors and/or 4.875 Employees 46,39 %
consultants
S-05 Employee Training and Development
Average training hour per
Total employee attending company Percentage of employee attending
employee
training program company training program (%)
(in reporting year)
5 hours/employee 10.260 97,64 %
S-06 Injury Rate
Frequency of work-related accidents of total
Percentage of serious work-related accidents resulting in
Employees
serious and fatal injuries from total employees (%)
(in reporting year)
33 0,02 %
S-07 Incidents Regarding Human Rights Abuse
Number of incidents regarding human rights
0
abuse (in reporting year)
Company Policy Regarding Employees
S-08 Does the company has a policy regarding sexual harassment and/or
Yes
non-discrimination?
Policies regarding sexual harassment and/or non-discrimination are set forth in the Company Regulations,
Article 41, Section 4, on Prevention and Mitigation, as well as Articles 46 and 47 on Complaint Resolution
Procedures.
S-09 Does the company has a policy regarding human rights? Yes
The Company is committed to respecting and protecting human rights in all its business activities, including
in the management of human resources. This commitment is realized through the implementation of policies
set forth in the Company Regulations
- Upholding basic labor rights, including fair wages, social security protection, occupational health and
safety, as well as employee training and competency development.
- Upholding professional and transparent employment relationships, including clarity regarding employment
status, job placement, the recruitment process, and employee career management.
- Applying the principles of equality and non-discrimination, including providing equal opportunities for
employees with family relationships to work at the Company in accordance with applicable policies.
S-10 Does the company have a policy regarding child labor and/or forced
No
labor?
The company does not have a specific policy regarding child labor and/or forced labor.
S-11 Does the company have a company policy regarding occupational
health and safety as well as a safe working environment for all Yes
employees?
The company's policies regarding occupational health and safety, as well as providing a safe and decent
work environment for all employees, are outlined in Article 35 of the Company Regulation concerning the
Employment Social Security Agency (BPJS Ketenagakerjaan) and Health Social Security (BPJS Kesehatan)
Programs, Article 36 concerning Life and Personal Accident Insurance, and Article 41 concerning Prevention
and Mitigation.
Page 16
Furthermore, the Company also has a Decree concerning the Occupational Safety, Health, and
Environmental Guidelines Policy (POL/HC/050/VERSI 2) and has established an Occupational Safety and
Health Supervisory Committee (P2K3), authorized by the Provincial Manpower Office under letter number
188.4/3/2181-DTKT/P2K3/IX/2024.
Corporate Social Responsibility (CSR)
S-12 Does the company have CSR activities, investments or donations to
Yes
the community or registered non-profit organizations?
The company has CSR activities, investments or donations to communities or registered non-profit
organizations as stated in the 2025 Integrated Annual Report on pages 219-225 (Sustainability Chapter).
C. Governance Performance
G-01 Board Diversity and Independence
Type of Company Number of seats Seats Occupied by Seats Occupied by Seats Occupied by
Board on Company Men Women Independent Party
Commissioners 0 5 0 2
Directors 0 5 0 0
G-02 Board Meeting Attendance
Number of board meetings Percentage of board meeting
(in reporting year) attendances (in reporting year)
Director Attendance to
11 100 %
Board Meetings
Comissioner Attendance to
11 100 %
Board Meetings
Other governmental-related policy
G-03 Does the company has a policy regarding separation of the
No
Chairman of the Board and CEO?
During the reporting period, there was no separation of the roles of Chairman of the Board and Chief
Executive Officer. Both roles were the duties and responsibilities of the President Director. Meanwhile, the
Company Board of Commissioners performed oversight and monitoring functions regarding all actions taken
by the Company Board of Directors in implementing the Company strategy.
G-04 Does the company has a policy regarding board appraisal? Yes
The policy on the annual performance evaluation of the Board of Directors and the Board of Commissioners,
as well as the disclosure of the evaluation criteria and process, is outlined in the Board of Directors and
Board of Commissioners Guidelines under the section titled Performance Evaluation of the Board of
Commissioners and the Board of Directors. This information is also included in the 2025 Integrated Annual
Report on page 252 (Corporate Data Chapter).
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-05 Does the company has a policy regarding board training and
Yes
development?
Page 17
The Company has a training policy for the Board of Directors and the Board of Commissioners in
accordance with OJK regulations, under which the Board of Directors and the Board of Commissioners are
required to undergo training to enhance their competencies. This is outlined in the Guidelines for the Board
of Directors and Board of Commissioners. Information regarding training for the Board of Directors and
Board of Commissioners throughout 2025 is disclosed in the 2025 Integrated Annual Report on pages 168-
170 (GCG Chapter).
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-06 Does the company has a criteria regarding board appointment and
Yes
re-election?
Policies regarding the criteria for selecting members of the Board of Commissioners and the Board of
Directors are outlined in the Guidelines for the Board of Directors and the Board of Commissioners. This
information is also included in the 2025 Integrated Annual Report on pages 236-237 and 240 (Company
Data Section).
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/hubungan-investor/laporan-tahunan-keberlanjutan
G-07 Does the company has a policy regarding ethics and/or anti-
Yes
corruption?
The company anti-corruption policies include, among other things, the implementation of transparency in the
procurement system for goods and services, as well as the giving and receiving of gifts by and on behalf of
the company. The provisions are set forth in the following:
- Policy on the Implementation of Good Corporate Governance
- Anti-Bribery Management System Policy
- Anti-Gratification Decision Letter
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/kebijakan-anti-korupsi
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
G-08 Does the company has a policy regarding equitable treatment of
Yes
shareholders?
Policies regarding the fair treatment of shareholders are set forth in the Code of Good Corporate
Governance and the Company Articles of Association.
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/anggaran-dasar
G-09 Does the company have a policy regarding the obligations of
Yes
directors/commissioners to prevent conflicts of interest?
In an effort to maintain integrity and public trust, the Company has implemented clear and strict policies
regarding conflicts of interest, which are enforced at all levels of the organization. These policies regarding
conflicts of interest apply to the Board of Commissioners and the Board of Directors and are set forth in the
Guidelines for the Board of Commissioners and the Board of Directors and the Guidelines for Good
Corporate Governance.
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-kerja-komisaris-direksi
https://www.bfi.co.id/id/corporate/tata-kelola-perusahaan/pedoman-tata-kelola-perusahaan
Page 18
D. Other
Alignment of Sustainability/Annual Reports with ESG Metrics
Pages in the Sustainability/Annual
Kinerja Kode Metric Name
Report
E-01 Greenhouse Gas Emission Report 216
E-02 Greenhouse Gas Emission Intensity -
E-03 Electricity Consumption 216
E-04 Water Consumption 216
Environment
E-05 Waste Generated -
Company Commitment to Achieving Net
E-06 -
Zero Emission Target
Company Commitment to Reduce
E-07 -
Emission
S-01 Gender Equality -
S-02 Employees by Gender and Age Group 62
S-03 Employee Turnover Rate -
S-04 Number of Temporary Officers -
S-05 Employee Training and Development 210-212
S-06 Number of Work Accidents 213
S-07 Human Rights Violation Incidents -
Social Sexual Harassment and/or Non-
S-08 -
Discrimination Policy
S-09 Policy on Human Rights 209
S-10 Child Labor and/or Forced Labor Policy -
Occupational Health and Safety Policy
S-11 and Safe and Secure Work Environment 213
are provided to all employees.
S-12 Corporate Social Responsibility 219-224
Page 19
Management Diversity and
G-01 237-242
Independence
Total Attendance of Directors and
G-02 254-255
Commissioners to Board Meetings
Chairman of the Board and CEO
G-03 -
Separation Policy
Board of Directors and Commissioners
G-04 252
Assessment Policy
Board of Directors and Commissioners
Governance G-05 167-170
Training Policy
G-06 Special Criteria for Election of the Board 236-240
G-07 Code of Ethics and/or Anti-Corruption 272-275
G-08 Fair Treatment Policy for Shareholders 152-158
G-09 Conflict of Interest Prevention Policy 152-153
Referenced International Standards and Third Party Verification
Alignment with sustainability reporting framework
X Yes No
GRI
TCFD
CDP
IFRS S1
IFRS S2
SASB
X Others, please specify
POJK No. 51/POJK.03/2017 dan SEOJK No. 16/SEOJK.04/2021
Third-party assurance and/or validation
X No
Thus to be informed accordingly.
Respectfully,
BFI Finance Indonesia Tbk
Page 20
Budi Darwan Munthe
Corporate Secretary
BFI Finance Indonesia Tbk
BFI Tower - Sunburst CBD Lot 1.2, Jl. Kapt. Soebijanto Djojohadikusumo BSD City,
Phone : (021) 2965 0300, 2965 0500 , Fax : (021) 2966 0757, 2966 58 , www.bfi.co.
Sender Name Budi Darwan Munthe
Function Corporate Secretary
Date and Time 15-04-2026 13:15
Attachment 1. Penyerahan Laporan Tahunan Terintegrasi 2025.pdf
2. IR-BFI 2025_IND.pdf
3. IR-BFI 2025_EN.pdf
This is an official document of BFI Finance Indonesia Tbk that does not require a signature as it was generated
electronically by the electronic reporting system. BFI Finance Indonesia Tbk is fully responsible for the information
contained within this document.
Names mentioned 12 people and organisations named in the text · linked when the evidence is strong
unresolved
—
Emisi langsung dari pembakaran stasioner
p.1
unresolved
—
Emisi fugitive langsung
p.1
unresolved
—
Total Emisi Langsung (Scope 1)
p.1
unresolved
org
Penyelenggara Jaminan Sosial Ketenagakerjaan
p.5
unresolved
org
Darwan Munthe
p.10 ×2
unresolved
—
Direct emissions from stationary combustion
p.11
unresolved
—
Direct emissions from mobile combustion
p.11
unresolved
—
Direct emissions from processes
p.11
unresolved
—
Direct fugitive emissions
p.11
unresolved
—
Total Direct Emissions (Scope 1)
p.11
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