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Sustainability
Report
Kartu Untung Deposito Ce!engan Pinjaman
PT Super Bank Indonesia Tbk
Pinjaman Atur Sendiri
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About the Report
The Sustainability Report of PT Super Bank Indonesia Tbk (henceforth referred to as “Superbank,” the “Bank,”
or “We”) reflects our evolving sustainability journey. Following a full year of steady progress focused on capacity
building, we are proud to share our latest developments with our stakeholders. Designed to be clear, accessible,
and easy to understand, this report is based on a materiality assessment that we reviewed and validated more
comprehensively in 2025, serving as the foundation for our Environmental, Social, and Governance (ESG)
performance. In this report, the terms “Sustainability” and “ESG” are used interchangeably.
Disclaimer and Limitation of Liability
This report contains forward-looking statements regarding Superbank’s future conditions, strategies,
initiatives, and plans, which are prepared based on management’s assumptions, estimates, and judgments
at the time of this report’s publication. Such statements involve risks, uncertainties, and other factors
that may cause actual results or performance developments to differ materially from those projected.
The information in this report is for informational purposes only and does not constitute, nor should it be construed
as, investment, tax, legal, or financial advice. PT Super Bank Indonesia Tbk does not act as an advisor or fiduciary
in this capacity. Any investment decisions or actions taken based on the content of this report should be consulted
with an independent professional financial, legal, or tax advisor.
Reporting Period, Regulatory Compliance, and International Standard References
This report covers the period from January 1 to December 31, 2025, and outlines Superbank’s strategic approach,
key initiatives, and achievements in conducting its operations across Indonesia. This report was prepared
with reference to Financial Services Authority Regulation (POJK) Number 51/POJK.03/2017 regarding the
Implementation of Sustainable Finance for Financial Service Institutions, Issuers, and Public Companies; Financial
Services Authority Circular (SEOJK) Number 16/SEOJK.04/2021 regarding the Form and Content of Annual Reports
of Issuers or Public Companies. In line with the implementation of international best practices, Superbank also
adopts the Global Reporting Initiative (GRI) Standards and the United Nations Sustainable Development Goals
(SDGs) as frameworks to monitor and measure ESG performance.
Publication
This full report was published on April 2026, and is available on our website in PDF format, in both Indonesian and
English.
Contact Us
If you have any questions or would like to provide feedback regarding this report or ESG-related matters, you may
contact sustainability@superbank.id.
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Table of Contents
07 Sustainability Performance 30
01 About the Report 3
02 Sustainability Strategy 6 1 Economic and Business Performance Review and Target Achievement 30
1 SuperGROW 7 1.1 Sustainable Finance Performance Review 31
2 Environmental Performance 32
32
03 04
2.1 Material Aspect
Sustainability Aspects
Company Profile 10
Overview 2025 9 2.2 Energy Aspect 32
1 Economic Aspect 9 2.3 Water Aspect 33
2 Social Aspect 9 2.4 Biodiversity Aspect 33
3 Environmental Aspect 9 2.5 Emission Aspect 33
2.6 Waste and Effluent Aspect 33
33
05
2.7 Environmental Complaint Aspects
President Director’s Statement on the Sustainability Report 15
3 Social Performance 34
1 Policies for Responding to Challenges in Fulfilling the Sustainability Strategy 15 3.1 Labor Aspects 35
2 Implementation of Sustainable Finance 15
3.2 Social Aspects 39
A. Super-Green: Commitment to Green and Sustainable Operations 16
4 Sustainable Product/Service Development Responsibility 41
B. Super-Reliable and Safe: Uncompromising Integrity and Security 17
4.1 Innovation and Development of Sustainable Financial Products and Services 41
C. Super-Opportunity: Unlocking Access, Empowering Growth 18
4.2 Product and Service Safety Evaluation 42
D. Super-Women: Inclusive Leadership and Gender Equality 19
4.3 Product and Service Impacts 42
3 Target Achievement Strategy 21
4.4 Number of Product Recalls 42
4.5 Customer Satisfaction Survey on Sustainable Financial Products and/or Services 42
06 Sustainability Governance 25
25
08 Others
1 Responsibility for Sustainable Finance Implementation
44
2 Competency Development Related to Sustainable Finance 25
3 Risk Assessment of Sustainable Finance Implementation
26 1 Feedback Form 44
4 Stakeholder Engagement 27
2 Response to Previous Year’s Sustainability Report Feedback 45
3 Index List 45
5 Challenges in Sustainable Finance Implementation 29
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In 2025, Superbank underwent a significant transformation in its status and structure through an Initial Public
Offering (IPO), marking its transition into a public company listed on the Indonesia Stock Exchange. This
change carries material implications for heightened standards of transparency, accountability, and public
disclosure obligations.
Additionally, Superbank was reclassified as a KBMI 2 bank following an increase in core capital exceeding
Rp6 trillion. This reclassification has strengthened the bank’s capital structure and enhanced its ability to
manage risks and support sustainable business growth.
Building on this foundation, Superbank’s 2025 sustainability strategy focuses on integrating Environmental,
Social, and Governance (ESG) principles across all operational lines. Superbank consistently aligns business
priorities with sustainable practices through prudent governance and disciplined risk management, ensuring
readiness to navigate regulatory dynamics and meet the expectations of customers, investors, the public,
and regulators.
Super-Green
Promoting sustainable digital banking by
developing climate governance and risk
management within the banking portfolio,
eco-friendly operations, and smart green
offices, by reducing our environmental impact
while simultaneously promoting responsible
finance.
Super-Reliable and Safe
Ensuring data privacy and digital security,
delivering a secure and regulatory-compliant
digital banking experience, and supporting
the creation of a safe, healthy, and supportive
work environment for all employees.
Super-Opportunity
SuperGROW: From Aspiration to Culture Empowering the underbanked community and
MSME players through accessible banking
services, offering inclusive financial solutions,
tailored loans, and seamless digital transactions to
The SuperGROW aspiration remains the primary compass of our sustainability journey. This theme is not drive economic growth and sustainable financial
merely a slogan, but a tangible embodiment of the company’s core value, “Make an Impact.” We believe that independence.
true sustainability is born when innovation and social responsibility converge in every business decision.
To that end, we are committed to continuing and maximizing the implementation of SuperGROW across the
Bank’s activities. Through ongoing internalization programs, we ensure that the principles of People, Profit, and
Planet are understood and practiced by every stakeholder at Superbank. Consequently, sustainability is no
Super-Women
longer a separate initiative but a standard of conduct that defines how we work and serve, in order to create
meaningful long-term value for a better future.
Supporting women’s leadership by nurturing
female leaders and empowering women
entrepreneurs in the MSME sector through
tailored financing solutions.
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Sustainability Aspect Overview 2025
Economic Aspect
Description (in IDR Billion) 2025 2024 Increase
(Decrease)
Third-Party Funds (IDR Billion) 11,827 4,943 ↑ 139.3%
Gross Loans (IDR Billion) 9.618 6.126 ↑ 50%
Net Interest Income (IDR Billion) 1,576 607 ↑ 159.7%
Profit Before Tax (IDR Billion) 143 (391) N/A
Net Profit (IDR Billion) 100 (366) N/A
Total Inclusive Financing (IDR Billion) 4,005 2,688 ↑ 49.0%
Macroprudential Inclusive Financing Ratio (RPIM) 41.6% 41.8% (0.2)%
Number of Digital Customers 5.9 Million 2.7 Million ↑ 118.5%
Social Aspect
Description 2025 2024 Increase
(Decrease)
Percentage of Women in Leadership Positions 57% 57% -
(Commissioners, Directors, and Senior Management)
Percentage of Female Employees 37% 36% ↑2.8%
Average Training Hours per Employee 46 30 ↑ 53.3%
Total Training Investment (IDR Million) 9,048 6,655 ↑ 36.0%
Number of Employees 665 534 ↑ 24.5%
Actual Funds Allocated for Social and 140 23 ↑ 508.7%
Environmental Responsibility Activities (IDR
Million)
Number of Financial Literacy Activities 15 16 (6.3)%
Number of Financial Literacy Participants 930 1,527 (39.1)%
Environmental Aspect
Description 2025 2024 Increase
(Decrease)
Fuel Consumption (Liters) 1,373
Electricity Consumption (kWh) 193,534 168,805 ↑ 14.65%
Water Consumption (m3) 268
Scope 1 Emissions (tCO₂e) 18.77* 18.77* -
Scope 2 Emissions (tCO₂e) 168.37* 146.86* ↑ 14.65%
Total Waste Disposed (Tons) 14.64**
*) The 2025 emissions calculation was conducted using the emissions calculator provided by the regulator, whereas the 2024 emissions
calculation utilized proxies with a limited data population.
**) Annualized figures based on a limited data population.
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Company Profile Products and Services Company Scale
PT Super Bank Indonesia Tbk (“Superbank”) focuses on providing banking products and services Funding as of 31 December 2025
powered by the effective utilization of digital technology. By integrating technology across all
operations and customer touchpoints, Superbank continuously enhances service quality, operational
efficiency, and the overall customer experience in alignment with evolving financial needs.
Lending Stock Code in Bursa Efek SUPA
Other Banking Services
Over the past three years, Superbank’s growth has been bolstered by an increasingly robust shareholder structure
and strategic partnerships with various parties. In 2025, Superbank entered a new chapter as a public company
Total Assets IDR 21.3 trillion
and ascended to the KBMI 2 category, strengthening its capital position, governance framework, and capacity to
support sustainable and inclusive growth. Operational Areas Total Customer Deposits IDR 11.8 trillion
HEAD OFFICE
JAKARTA
BRANCH OFFICE BRANCH OFFICE
Net Profit IDR 100 billion
BANDUNG JAKARTA
VISION
Total Digital Customers 5.9 million
MISSION
To be a Bank that empowers all people with
simple, transparent, and flexible financial
To provide digital financial solutions that more
effectively meet the financial service needs of
Total Market Cap IDR 31.7 trillion
products by leveraging appropriate technology. MSME and retail customers.
Core Values: Shareholder Composition
PT Elang Media Visitama
19.24% PT Kudo Teknologi Indonesia
27.60%
KakaoBank Corp.
GXS Bank Pte. Ltd.
10.03%
Singtel Alpha Investments Pte. Ltd.
7.36%
16.67% A5-DB Holdings, Pte. Ltd.
10.44% Shareholders with ownership of each
8.66% <5% and the Public
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Employee Composition:
List of Association Memberships
Based on Position
Position 2025 2024 01 National Commercial Banks Association (Perbanas)
02 Indonesian Bankers Association (IBI)
Senior Management 6 6
03 Indonesian Employers Association (APINDO)
Head of DIvision 39 35
04 Indonesian Chamber of Commerce (KADIN)
Staff 620 493
Total 665 534 05 Banking Compliance Directors Communication Forum (FKDKP)
06 Banking Operational Directors Communication Forum (FKDOP)
07 Financial Services Industry Communication Forum (FKIJK)
Based on Education Level Based on Employment Status 08 Bankers Association for Risk Management (BARA)
Education 2025 2024 Employment 2025 2024
Level Status 09 Indonesian Payment Systems Association (ASPI)
Doctor 2 1 Permanent 536 455 10 Institute of Internal Auditors of Banks (IAIB)
Employee
Masters 65 61
Contract 129 79
11 Indonesia Corporate Secretary Association (ICSA)
Degree
Employee
Bachelors 543 437 12 Indonesian Corporate Council Association (ICCA)
Total 665 534
Degree
Diploma 3-4 39 27
13 Indonesian Issuers Association (AEI)
Diploma 1-2 2 2 14 Alternative Dispute Resolution Institution for the Financial Services Sector (LAPS
SJK)
High School 14 6
Total 665 534
Customer Service
1500333
Based on Age Based on Gender
Age 2025 2024 Gender 2025 2024
care@superbank.id
20-30 Years 319 257 Male 417 349 Address
Old (63%) (64%)
Head Office:
31-40 Years 256 197 Female 248 185 Revenue Tower, Lt. 28-29 SCBD,
Old (37%) (36%)
Lot 13 District 8,
41-50 Years 70 60 Total 665 534 Jl. Jenderal Sudirman Kav. 52-53
Old
Jakarta, 12190
> 50 Years Old 20 20
Website
Total 665 534
www.superbank.id
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List of Awards President Director’s Remarks and
In 2025, our progress in upholding the highest standards of corporate governance and social responsibility was
validated through a series of awards, namely: Explanation on the Sustainability
Dear Valued Stakeholders,
The year 2025 marks the beginning of a transformative
new era for Superbank. Our successful debut on the
Indonesia Stock Exchange as a public company, coupled
with our elevation to the KBMI 2 bank category, stands
as a testament to our evolving business maturity. To
Sapphire Award in the category Best
us, attaining public company status is more than a
Bronze Award in Best Employee Experience Enterprise in Regulatory Compliance by
corporate achievement; it is a mandate to uphold high
Awards Indonesia 2025 - 25 April 2025 Indonesia Regulatory Compliance Awards
(IRCA) 2025 - 9 May 2025 standards of transparency and accountability. This
transformation serves as a primary catalyst for us to
solidify our comprehensive Environmental, Social, and
PT Super Bank Indonesia berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK)
dan Bank Indonesia, serta merupakan peserta penjaminan LPS
Governance (ESG) framework, ensuring that every
stride of future growth is resilient, responsible, and
creates long-term value for all our stakeholders.
The implementation of sustainable finance at Superbank is built upon a foundation of mature
risk governance and compliance with regulatory expectations. In 2025, Superbank successfully
completed its inaugural Climate Risk Management & Scenario (CRMS) stress test to ensure the
resilience of the Bank’s business model against various transition and physical risk scenarios.
Through this initial implementation, we have gained critical insights into how climate scenarios may impact
our portfolio resilience, credit quality, and long-term financial performance. This achievement strengthens our
foundation in climate-related risk governance and aligns our practices with OJK’s expectations and emerging
global standards.
Financial Services In-House Team of the Indonesia Customer Service Champion 2025
Year by ALB Indonesia Law Awards 2025 - 23 by SWA - 14 November 2025 1. Policies to Address Challenges in Achieving the Sustainability Strategy
October 2025 In responding to the dynamics of the 2025 sustainability landscape, marked by global
macroeconomic complexities and escalating climate risks, Superbank has taken strategic steps
by proactively strengthening its risk management architecture. To mitigate the increasingly
tangible impacts of both physical and transition risks, the Bank responsively completed its
Climate Risk Management & Scenario (CRMS) stress test to precisely assess credit portfolio
resilience and secure long-term business model sustainability amidst environmental uncertainty.
Top 10 Best Reporting Award (BREW) 2025
oleh Pusat Pelaporan dan Analisis Transaksi Meanwhile, Superbank’s transformation into a public company is embraced as strategic momentum to
Keuangan (PPATK) - May 2025 accelerate organizational governance and accountability standards to a higher level. Addressing the urgent
need for internal competency in this new era, the Bank moved swiftly to align human resource capabilities
through intensive and targeted ESG capacity-building programs across various functional lines. This
strategic response is institutionally reinforced through the establishment of the Sustainability Policy and the
Top 5 Best Financial Integrity Rating between integration of the SuperGROW framework, ensuring that sustainability principles are not merely compliance
KBMI 1 oleh Pusat Pelaporan dan Analisis activities but are deeply embedded as strategic pillars in every operational decision-making process of the
Transaksi Keuangan (PPATK) - 28 November Bank.
2025
2. Sustainable Finance Implementation
To fulfill our mission of creating a ‘Lasting Impact’ for society and the environment, Superbank adopts a
holistic approach to implementing Sustainable Finance principles. We realize this commitment through our
SuperGROW strategy, a sustainability aspiration ecosystem designed to address global challenges while
meeting local needs. Through this strategy, we ensure that sustainability is not merely a theoretical concept
but is deeply embedded in every service interaction and business decision we make.
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A. Super-Green: Commitment to Green and Sustainable Operations a. Branchless Operations: Our digital technology enables customers to transact anytime without the
need to visit a physical location. This directly reduces carbon emissions from customer travel and
The Super-Green pillar reflects Superbank’s dedication to realizing a digital banking service that is not only eliminates the energy consumption associated with conventional brick-and-mortar branch buildings.
technologically advanced but also environmentally responsible. We implement smart green office concepts
to maximize energy efficiency and promote the prudent use of resources. Beyond internal efficiency, we b. Paperless Culture: We have optimally transitioned from paper-based administrative processes to a
minimize our carbon footprint through digital technology innovations that enable financial services without digital documentation ecosystem. This initiative spans from digital customer onboarding to internal
physical boundaries. This commitment is further strengthened by the development of a green portfolio and documentation, aimed at reducing paper waste while simultaneously enhancing data security and
sustainable finance practices focused on climate-conscious investments, serving as an environmental risk workflow efficiency.
mitigation effort for long-term sustainability.
c. Sustainable Cloud Infrastructure: Superbank strategically utilizes cloud infrastructure instead of
conventional physical servers. By partnering with global cloud providers committed to carbon-free
energy, we ensure IT operations that are adaptive, secure, and significantly more energy-efficient than
A.1 Environmental Risk Analysis & Climate Governance conventional data centers.
The year 2025 marks a new milestone in Superbank’s sustainability journey with the successful completion
of our inaugural risk stress test (CRMS). Using 2024 as the baseline year, this stress test recorded a Scope
2 emissions efficiency performance of 146.86 tCO2e. This achievement provides a robust data foundation B. Super-Reliable and Safe: Uncompromising Integrity and Security
to anticipate the impacts of climate change on the resilience of our credit portfolio and future financial
The Super-Reliable and Safe pillar is a manifestation of Superbank’s priority in maintaining security and
performance.We view this inaugural CRMS initiative as the first step in a long-term journey toward climate
operational integrity. This strategic foundation is built upon robust data protection, a comprehensive AML-
governance maturity. Moving forward, Superbank is committed to:
CFT (Anti-Money Laundering and Counter-Financing of Terrorism) program, and the creation of a safe
a. Continuously refining methodologies and data quality for climate risk analysis to align with global and conducive working environment. Through the implementation of high-standard security systems and
standards and OJK regulations. proactive illegal activity detection, we ensure a transparent, secure, and trusted banking environment for all
our customers.
b. Deeply integrating climate considerations into the Bank’s strategic planning and risk management.
c. Identifying long-term energy efficiency opportunities to support the transition toward low-emission
operations. B.1 Data Security and Protection: A Holistic Approach
Superbank provides digital banking services that place financial control in the hands of the customer, backed
by a robust security infrastructure that protects data privacy in every transaction. Our integrated security
A.2 Innovation for Sustainable Eco-Friendly Business approach is embedded across the entire business cycle, reflected in our operational governance, product
We actively expand our financial support for environmentally oriented businesses, including through strategic development, human capital capabilities, and technology.
participation in the Grab Ventures Velocity program. Through a collaboration with Jejak.in, an environmental a. Governance and Product Development: Our commitment to responsible data management is enshrined
technology platform, we have realized the planting of 400 verified trees as a tangible contribution to carbon in our transparent internal governance architecture (detailed in the 2024 Sustainability Report). In
offset initiatives. This partnership reinforces Superbank’s vision to integrate technology, social impact, product development, we implement a “Shift Left Security” strategy, where security considerations are
and sustainability, while continuing to open financing opportunities for green businesses in the future. integrated from the initial design phase to mitigate risks as early as possible.
Furthermore, the Bank held an inspiring knowledge-sharing session, titled “Path to Green and Inclusive
Products,” in collaboration with Grab Indonesia’s sustainability team, which shared practical strategies for b. Human Capital Capabilities: We recognize that the best technology requires reliable operators.
community empowerment through technology and sustainable initiatives. Therefore, Superbank invests heavily in international certifications for our information security team to
navigate the evolving cyber threat landscape. Our team holds the following certifications:
• Management & Audit: CISSP, CISA, CISM, ISO 27001 Lead Auditor & Implementer.
A.3 Smart Green Office: Cultivating a Sustainable Mindset
• Technical & Operational: CEH, OSCP, Red Team Operator, Certified DevSecOps Professional.
We believe that green transformation begins with daily habits. Therefore, Superbank implements various
initiatives to foster environmentally conscious behavior among employees, including: • Data Privacy: CIPM, CIPP/E, and Certified Indonesian Personal Data Protection Officer (CIPDPO).
a. Plastic-Free Weeks: A monthly program that successfully reduced the use of more than 500 plastic Furthermore, a strong digital security culture is fostered through mandatory employee training and
bottles per month, supported by replacing bottled water with glass pitchers in meeting rooms. periodic phishing simulations in compliance with OJK regulations, ensuring organization-wide vigilance.
b. Energy Efficiency: Encouraging an energy-saving culture by turning off unused electronic devices and c. Technological and Cyber Resilience: Superbank employs a defense-in-depth framework to prevent,
implementing regular monitoring of electricity consumption. detect, and respond to threats. Our infrastructure is protected by a 24/7 Security Operations Centre
(SOC) utilizing advanced platforms (SIEM & SOAR) and cloud technology secured through VPC isolation
and Web Application Firewalls. All customer data is protected using industry-standard encryption (AES-
A.4 Eco-Friendly Operations: The Advantage of Digital Banking Services 256 at rest and TLS 1.2+ in transit). This commitment is validated by our ISO 27001:2022 certification,
confirming the implementation of international standards in information and cyber security.
As a technology-based institution, we leverage digital innovation to significantly reduce our environmental
impact through three primary approaches: d. Customer Awareness and Due Diligence: Security is a shared responsibility. We actively educate
customers through regular campaigns on account protection and fraud trends. Internally, we apply
rigorous due diligence principles, including both CDD (Customer Due Diligence) and EDD (Enhanced
Due Diligence), in our customer onboarding and partner management processes to prevent financial
crime and maintain the integrity of the banking ecosystem.
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d. Bridging the Gap: Ensuring banking services reach all layers of society regardless of background,
B.2 Anti-Money Laundering, Counter-Financing of Terrorism, and Counter-Proliferation Financing creating an ecosystem where economic opportunities are equally distributed.
(AML, CFT, and CPF)
Superbank strengthens its AML-CFT and CPF programs through a risk-based approach. This governance is
C.2 Innovative Financing Solutions through Strategic Partnerships
executed via the “Three Lines of Defense” model:
Our alliances with loan partners are the keys of Superbank’s social impact strategy. We provide financing
a. First Line: AML Operations Unit under the Operations Director.
products tailored to the specific needs of our customers:
b. Second Line: AML Compliance Unit under the Compliance Director.
a. Asset-Based Financing (Used Car Ecosystem): Collaborating with automotive fintech platforms to
c. Third Line: Internal Audit Department providing independent oversight. provide working capital for dealers (MSMEs) and purchase financing for end-customers.
System Development and Strategic Plan: In 2025, we consistently enhanced our internal systems for b. Inclusive Multipurpose Loans: Providing flexible access to cash for underbanked individuals for both
transaction profile monitoring and regulatory reporting to PPATK (Indonesian Financial Transaction Reports productive and personal needs.
and Analysis Center), while performing risk-based customer data updates (Risk-Based Approach).
c. Focus on Underserved Segments: Expanding our reach to the unbanked population, strengthening
their ability to participate actively in the formal economic system.
B.3 A Safe and Conducive Working Environment
For Superbank, a safe workplace means creating a culture where every individual feels respected and supported C.3 Financial Literacy: Building a Financially Savvy Generation
both physically and psychologically. This commitment received external recognition through a Bronze Award
In 2025, Superbank’s financial literacy initiatives reached 930 participants through both online and offline
in the Best Employee Wellness Strategy category at the Employee Experience Awards Indonesia 2025.
sessions. These initiatives involve Superbank employees directly educating the community on financial
management and responsible digital banking.
We foster a positive work environment through various concrete initiatives throughout the year:
Key Literacy Initiatives:
a. Anti-Harassment Education: “Creating a Safe & Respectful Workplace” sessions held with Bullyid to
reinforce a “speak-up” culture and prevent discrimination. a. Dangdut Academy Partnership: A unique breakthrough by sponsoring a popular talent search show
to reach the mass market segment. This program provided dedicated education sessions for the show’s
b. Mental & Physical Well-being: A series of events for World Mental Health Day and Breast Cancer
audience, introducing the benefits of digital banking in accessible language.
Awareness, including mindfulness yoga sessions, health seminars (Health Talks) on cancer, free health
screenings, and emotional resilience workshops and book reviews. b. Youth Focus: Recognizing that the younger generation are digital natives, we organized interactive
sessions for elementary, middle school, university students, and interns. The goal is to instill a financially
savvy mindset from an early age so they are prepared to grow alongside Indonesia’s digital economy.
C. Super-Opportunity: Unlocking Access, Empowering Growth
The Super-Opportunity pillar reaffirms Superbank’s commitment to being a catalyst for financial inclusion
C.4 2025 Super-Opportunity Activities
in Indonesia. We focus on providing access to financing for underbanked segments and Micro, Small, and
Medium Enterprises (MSMEs) that have traditionally faced barriers within the conventional banking system. a. Modal Mimpi & Masa Depan Event: A financial education and empowerment program for aspiring
entrepreneurs.
To expand our sustainability impact, we strategically integrate banking services into leading digital
ecosystems, including Grab, OVO, and KakaoBank. This collaboration allows us to serve a broader segment b. Middle School Financial Literacy in Rajeg: An interactive session equipping middle school students
of society through seamless and rapid transactions. This commitment is bolstered by a solid network of loan with money management skills.
partners, ensuring equitable capital distribution to create a sustainable economic impact. c. Education for Grab Partner’s Children: A special event for the children of Grab driver-partners to
introduce the concept of saving from an early age.
C.1 Empowering Communities and MSMEs d. Banking 1-on-1: Intensive mentoring sessions for Superbank interns to help them understand the
banking industry landscape.
Financial inclusion is more than just access, it is the foundation of economic resilience. Through inclusive
financial solutions and tailored lending, we empower individuals and business owners to achieve financial
independence. Our empowerment strategy focuses on four dimensions of impact:
a. Economic Stability: Providing access to affordable credit for those marginalized from the formal D. Super-Women: Inclusive Leadership and Gender Equality
system, helping them break the cycle of poverty and build a solid financial foundation. The Super-Women pillar reaffirms Superbank’s commitment that gender equality begins at the highest levels
b. Livelihood Improvement: Equipping MSMEs with financial tools that simplify operations, allowing of leadership and extends to all aspects of organizational development. With strong female representation
entrepreneurs to focus on business expansion and create employment opportunities. on our Board of Commissioners and Board of Directors, inclusivity is deeply embedded in our governance
and decision-making culture. This foundation is further strengthened through capacity-building initiatives
c. Technology-Driven Growth: Access to financing enables MSMEs to invest in technology and and entrepreneurship development programs designed to foster leadership and provide equal opportunities
infrastructure, transforming small businesses into competitive entities. for all genders.
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d. Self-Development & Literacy: Closing the year with a book review of “Anak Kantoran” (The Office Kid)
The implementation of Super-Women initiatives unlocks broader opportunities for equality for our human combined with a meditation session and a potluck, strengthening community bonds while supporting
resources and inclusive leadership pipelines, aiming to foster a balanced workforce structure, create employee mental health.
sustainable livelihoods, and deliver long-term value to the broader economy.
3. Strategy for Achieving Targets
D.1 Building an Inclusive and Responsive Work Environment Superbank’s sustainability aspirations for the 2025–2027 period will continue to be guided by the SuperGROW
We believe that an inclusive work environment begins by recognizing and supporting the unique needs pillars. This theme reflects our commitment to continuous growth and innovation through four core aspirations:
of every individual. Our strategy goes beyond mere regulatory compliance, focusing on providing fair • Super-Green (G): Driving sustainable digital banking through the gradual establishment of governance
remuneration and benefits as well as holistic wellbeing programs. structures and climate risk management frameworks, creating eco-friendly and efficient operations
and office environments.
D.2 Remuneration Equality and Flexible Benefits • Super-Reliable and Safe (R): Ensuring data security, digital privacy, and strict anti-money laundering
compliance, while striving for a healthy workplace culture and environment.
Superbank implements a fair compensation policy for all employees, regardless of gender or
employment status. In addition to standard benefits in accordance with applicable regulations, • Super-Opportunity (O): Expanding financial inclusion and empowering underbanked communities and
we pay special attention to employee health through various flexible supplementary benefits. MSMEs through innovative digital solutions.
• Super-Women (W): Increasing female leadership in senior management and providing financial access
To support work-life balance, we provide the Flexi-Benefit program, which can be tailored to the personal for women entrepreneurs.
needs of employees:
This strategy is aligned with our core value, “Make an Impact,” which aims to create meaningful sustainable
a. Flexi Spending Account: Funds that can be used for self-development, out-of-pocket healthcare growth for all people across Indonesia.
costs, immediate family care, and work-related activity support.
b. Flexi Wellbeing Account: Includes a Mental Wellbeing Account and a Preventive Healthcare Account,
which are specific allocations for early detection and health protection (medical check-ups and We extend our sincere gratitude to all our stakeholders. Your invaluable collaboration has been the foundation
vaccinations) as well as psychological support, enabling employees to proactively prioritize their for the progress detailed herein, ensuring our sustainability efforts deliver a truly meaningful and lasting impact.
physical and mental health. We are optimistic that the integration of the next phase of the SuperGROW strategy into all operational aspects
will ensure that sustainability remains at the heart of our business strategy in the years to come.
D.3 Super Women and Allies Club (SWCA): A Space to Grow Together
Jakarta, April 2026
The year 2025 marked the official launch of the Super Women and Allies Club (SWCA). This forum is not
only intended for women but also embraces male colleagues (allies) to create a collaborative ecosystem. Sincerely,
SWCA serves as a platform for employees to learn, share perspectives, and support one another in their
professional journeys. Throughout the year, this commitment was realized through a series of activities
ranging from speed mentorship and external coaching to internal social gatherings.
D.4 2025 Super-Women Activities Tigor M Siahaan
Throughout 2025, Superbank held various strategic initiatives to celebrate and empower the role of women: President Director
a. Launch of SuperGROW & SWCA: In celebration of International Women’s Day, Superbank launched
its SuperGROW sustainability aspirations and officially inaugurated the Super Women and Allies Club
(SWCA). The event featured the debut of an inspirational speaker series sharing stories of resilience
and purpose.
b. “Modal, Mimpi, dan Masa Depan” Talk Show: An in-depth discussion on the power of access to capital
and education for women. Featuring Katrina Inandia (Amartha), Yudhi Pradana (B Market Builder),
and Superbank’s CFO, Melisa Hendrawati, the event highlighted how inclusive finance and practical
financial literacy can create a tangible impact for female entrepreneurs.
c. Kartini Day Celebration: Under the theme “Honoring Kartini’s Legacy in Today’s World,” this event
featured an interactive dialogue with three Superbank leaders: Rustini Dewi (Audit Committee), Cut
Azia (Chief of Internal Audit), and Qiyam Padriansy (Head of Treasury). The discussion focused on
strategies for balancing assertiveness and empathy in leadership, mental health, and the harmonization
of professional and family roles.
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22 23
ACCOUNTABILITY STATEMENT OF 2025
SUSTAINABILITY REPORT BY THE BOARD OF
COMMISSIONERS AND BOARD OF DIRECTORS
We, the signatories, hereby state that all information contained in the 2025 Sustainability Report of Superbank
has been comprehensively presented, and we take full responsibility for the accuracy of the content of the
Superbank Sustainability Report.
Therefore, this statement is made in good faith and accuracy.
Jakarta, April 2026 Jakarta, April 2026
Board of Commissioners Board of Directors
Anton H. Gunawan Tigor M. Siahaan
President Commissioner/Independent President Director
Commissioner
Melisa Hendrawati Sukiwan
Director Director
Neneng M. Goenadi Yenny Z. Wahid
Commissioner Independent Commissioner
Amalia Pratantara Bhavana B. Vatvani
Director Director
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24 25
Sustainability Journey Sustainability Governance
At Superbank, our sustainability journey represents more than just a commitment, it is the way we create
sustainable value for our stakeholders and the communities we serve in the long term. As we continue to grow, Parties Accountable for Sustainable Finance
we recognize the importance of integrating ESG considerations into our business operations. By enhancing our
At Superbank, our dedication to integrity, transparency, and sustainable value creation is deeply rooted in our
sustainable finance strategy and transparent reporting, we reaffirm our responsibility to drive positive economic, sustainability governance framework. By strategically embedding ESG principles across the organization,
social, and environmental impacts. we elevate sustainability from a mere compliance obligation into a fundamental business imperative. This
governance framework is designed to drive ethical behavior, ensure regulatory adherence, and maximize
stakeholder value, thereby solidifying our commitment to building a resilient and inclusive financial ecosystem.
Our sustainability efforts are guided by robust oversight and structured governance. The Board of Directors
November - December 2024 provides strategic direction and ensures compliance with sustainability commitments, while the Board
of Commissioners, through the Risk Oversight Committee, monitors risk mitigation and compliance.
Dedicated cross-functional teams collaborate to formulate, implement, and monitor sustainability
• Preparation of the first standalone Sustainability Report in 2024 and alignment
initiatives, ensuring alignment with global best practices and the evolving regulatory landscape.
with the Sustainable Finance Action Plan (RAKB).
• The first materiality assessment to identify key sustainability focuses based on To ensure rigorous oversight of our sustainability aspirations, Superbank has established a specialized cross-
stakeholder relevance as well as Superbank’s strengths and potential. functional unit called the “Sustainability Squad.” Comprised of members from various departments, this team fosters
continuous collaboration to oversee and report on sustainability progress in the coming years. The Sustainability
Squad has a direct reporting line to the Board of Directors and to the Board of Commissioners via the Risk Oversight
Committee every six months. ESG-related matters, including sustainability plans, progress, and key developments,
are discussed within the respective functional governance meetings.
January - December 2025
• Launch of SuperGROW as Superbank’s primary sustainability pillar, including Board of Directors Board of Commissioners
the publication of our inaugural standalone 2024 Sustainability Report and the
launch of a dedicated sustainability section on our website.
• Capacity-building programs across all SuperGROW pillars to deepen employee
awareness and competency.
Risk Oversight Committee
• Execution of the Bank’s inaugural Climate Risk Management & Scenario (CRMS)
stress test, strengthening our readiness in climate-related risk governance. Sustainability Squad
• Issuance of the Sustainability Policy as a governance umbrella to reinforce a
consistent approach across all sustainability initiatives. Corporate Secretary, Investor Relations, Public
• The Bank’s IPO, marking a significant step in strengthening Superbank’s Relations, Business and Risk Management
governance, transparency, and sustainability, while simultaneously increasing
capital capacity to support our progression as a KBMI 2 bank.
SuperGROW Champion
Compliance Marketing Finance Technology
April 2026
Superbank has published its 2025 Sustainability Report, marking a significant HR Product Operations
milestone in the Bank’s sustainability journey.
May 2026 - Onwards Sustainable Finance Competency Development
Competency development for the parties accountable for Sustainable Finance implementation at Superbank is
Superbank continues to explore and strengthen both its short-term and long-
a fundamental element in ensuring the effective integration of sustainability principles into business operations.
term frameworks within the Bank’s sustainability journey through more structured
Equipped with a comprehensive understanding of ESG aspects, Superbank is able to formulate strategic policies
processes and deeper engagement across the entire organization. that are not only aligned with regulatory requirements but also relevant to global best practice standards.
Through a capacity-building approach—encompassing structured training, certifications, and collaboration with
stakeholders—we continue to strengthen the organization’s capability to navigate the increasingly complex
dynamics of sustainability. This commitment serves as a catalyst for innovation in our sustainable finance strategy,
ensuring Superbank’s optimal contribution toward inclusive and environmentally friendly economic growth.
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26 27
The following are the details of the internal competency development programs attended by the Board of No. Type of Risk Risk Mitigation
Commissioners, Board of Directors, Senior Management, and employees of Superbank throughout 2025:
Total 4. Operational Risk The Bank mitigates operational risk by implementing a
Aspects disciplined risk identification and measurement framework
2025 2024 2023 according to established frequencies. Operational risk
impact management is conducted systematically through the
Internal Bank Development Programs by Position Level
utilization of risk management tools such as Risk Control Self-
Assessment (RCSA), the IT Risk Register—which is crucial
Number of Development Activities for the Board of 2 9 3
to our digital ecosystem—and the Loss Event Database
Commissioners
(LED). These measures ensure that the Bank’s operational
Number of Development Activities for the Board of 27 25 14 resilience remains intact amidst dynamic business activities.
Directors
5. Reputational Risk Maintaining public trust is Superbank’s top priority.
Number of Development Activities for Senior 177 86 42 Reputational risk mitigation is carried out through responsive
Management customer aspiration and complaint handling mechanisms,
Number of Development Activities for Employees 307 178 103 alongside integrated recording of any events that could
potentially affect the Bank’s image. These efforts are
supported by adequate reputational risk management
policies to ensure that positive stakeholder perceptions are
maintained.
6. Legal Risk The Bank mitigates legal risk through thorough and periodic
Risk Assessment of Sustainable Finance Implementation reviews of all agreement documents and cooperation
contracts. Management is committed to ensuring legal
Superbank implements a systematic and structured sustainable finance monitoring mechanism certainty and maintaining the Bank’s strong juridical position
to ensure the integration of sustainability principles across all operational lines and business in every business engagement to protect the interests of
strategies. This oversight process is under the direct supervision of the Board of Directors, with both the Bank and its customers.
support from relevant business units responsible for ensuring policy implementation and the
fulfillment of sustainability aspects in alignment with OJK regulations and global ESG standards. 7. Strategic Risk Strategic risk management is focused on intensive
monitoring of the alignment between actual performance
Evaluations of implementation effectiveness are conducted periodically through sustainability performance and the Bank Business Plan (RBB). The Bank mitigates this
measurements, internal reporting mechanisms, and audits of ongoing initiatives. The scope of this monitoring risk by identifying potential deviations early and periodically
includes a comprehensive identification of sustainability risks and opportunities to maintain long-term business measuring strategic risk impacts. This is reinforced by
resilience. In this regard, Superbank has mapped the potential risks faced and formulated relevant strategic adaptive strategic risk management policies, ensuring that
mitigation measures, as follows: the Bank’s business direction remains relevant to its long-
term vision.
No. Type of Risk Risk Mitigation
8. Compliance Risk As a bank operating with a digital service-based business
model, Superbank pays special attention to compliance risk
1. Credit Risk The Bank mitigates credit risk through a holistic oversight mitigation. This includes proactive identification processes
mechanism across all aspects of the credit portfolio. We for risks that may arise from digital innovation, rigorous
apply strict prudent banking principles in every lending reviews of new product launches, and the continuous
decision, supported by highly selective debtor and issuer strengthening of internal control system mechanisms.
screening strategies. Furthermore, the Bank proactively
reviews alternative fund allocation diversification to minimize
risk concentration and maintain the quality of earning assets.
2. Market Risk Market risk management is focused on resilience against
external volatility. The Bank mitigates this risk by conducting
regular market risk sensitivity analyses and implementing a
comprehensive market risk management policy framework.
This measure ensures that market risk management Stakeholder Engagement
operates effectively in responding to interest rate dynamics Superbank views stakeholder engagement as a fundamental pillar in ensuring business sustainability and
and exchange rate fluctuations that could impact the Bank’s long-term value creation. We believe that transparent, constructive, and collaborative communication
performance. is key to aligning the expectations of various parties, ranging from regulators, customers, business
3. Liquidity Risk To maintain a healthy liquidity position, the Bank implements partners, and employees to the wider community, within an ever-evolving industrial ecosystem.
a disciplined fund management strategy through in-depth
cash flow analysis and maturity profiling. The Bank also Through active and participatory dialogue, Superbank proactively identifies opportunities for service innovation
routinely performs stress tests to measure readiness in while simultaneously mitigating risks to ensure compliance with applicable regulations and sustainability standards.
facing liquidity pressure scenarios. All these efforts are This inclusive approach not only strengthens stakeholder trust but also serves as a catalyst in realizing Superbank’s
reinforced by a series of solid liquidity risk management aspirations as an innovative and sustainable digital banking service.
policies, ensuring the Bank’s ability to meet both short-term
and long-term obligations in a timely manner.
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28 29
The mechanisms and frequencies of the Bank’s engagement approaches with each stakeholder group are as Society: Engagement is conducted on a tentative The primary focus is on financial inclusion
follows: As part of our social basis through Social and Environmental and micro-economic empowerment.
responsibility, Superbank is Responsibility (TJSL) programs, financial Superbank responds by providing easily
Stakeholders Mechanism & Frequency Topic & Response
committed to delivering a literacy activities, and collaborations accessible micro-loan products and
positive impact on the wider with Non-Governmental Organizations financial education programs targeting
Government and Regulators: Interactions are conducted intensively The primary focus of the dialogue community, particularly for or local communities. underbanked communities.
As a highly regulated financial and periodically through the submission includes discussions on audit unbanked and underbanked
institution, a constructive of routine reports (monthly, quarterly, processes, compliance with bank segments who lack access to
relationship with regulators— annually), consultative meetings, soundness ratios, risk management formal banking services.
specifically Financial Services and active participation in Focus implementation, and the bank’s
Authority (OJK), the Indonesia Group Discussions (FGDs) related business plan, including sustainable
Stock Exchange (IDX), Bank to banking policies. In addition, the finance initiatives. Superbank responds
Indonesia (BI), the Indonesia Bank undergoes regular examinations by ensuring prudent governance and
Deposit Insurance Corporation (audits) by regulators. transparent reporting in accordance
(LPS), and the Indonesian with applicable standards.
Financial Transaction Challenges in Implementing Sustainable Finance
Reports and Analysis Center The year 2025 marks a monumental transition period for Superbank, where our change in status to a public
(PPATK)—is a top priority to company and a KBMI 2 bank brings the logical consequence of increased expectations from both regulators
ensure operational licensing and stakeholders. In this acceleration phase, the primary challenge we face is balancing the pace of digital
continuity and compliance. innovation with the required rigor in implementing Sustainable Finance. We recognize that integrating ESG
Customers: Communication is conducted 24/7 The primary issues of concern aspects into a technology-based banking business model requires complex infrastructure adaptation,
Customers are at the heart of through the Superbank app, the digital include data security, transaction particularly in the collection and validation of accurate emission data for reporting and climate risk analysis
Superbank’s business model. in-app help center, social media, and convenience, and the reliability of purposes. The limited availability of historical data and information, especially from the retail and MSME
With a user base reaching periodic customer satisfaction surveys. the application system. Superbank segments that are our focus, remains a technical constraint in developing a precise decarbonization strategy.
nearly 6 million in 2025, Furthermore, we conduct financial addresses these needs through
our customer engagement literacy education sessions specifically feature innovations integrated with Beyond technical aspects, other challenges lie within organizational capability and culture. The
focuses on providing a tailored for the underbanked segment. the Grab and OVO ecosystems, as implementation of new standards, such as the Climate Risk Management Scenario (CRMS) in 2025,
seamless, secure, and well as the strengthening of our demands specific competency levels that are still in the developmental stage within the national banking
inclusive digital experience. ISO 27001-certified cybersecurity industry, including internally at Superbank. Building a uniform understanding of the urgency of sustainability
infrastructure. across all levels of the organization—from management to daily operations—is an ongoing process that
requires time and consistency. We are also faced with external challenges in the form of varying levels
Strategic Business Partners: Coordination is conducted regularly Discussions focus on system of sustainability literacy among customers, which influences the adoption rate of our initiated products.
The uniqueness of through joint operational meetings, integration stability, user acquisition
Superbank’s business model monthly Business Reviews, and the target achievement, and the Nevertheless, Superbank views these dynamics not as obstacles, but as catalysts to strengthen our business
lies in its deep integration with development of API systems development of co-branding/joint foundation. We believe that every identified challenge opens up space for Superbank to innovate further, both in
a strategic partner ecosystem, financing products. We respond by leveraging big data technology for climate risk measurement and in designing creative educational programs for
including Grab and OVO. This establishing a dedicated partnership customers. By adhering to the SuperGROW strategy and supported by a solid capital structure and governance post-
collaboration is crucial for team to manage operational dynamics IPO, we are optimistic about our ability to transform these challenges into strategic opportunities. Our commitment
expanding our service reach across platforms. remains steadfast: to continue learning, adapting, and moving forward to realize a digital banking ecosystem that
to underserved segments. is not only financially resilient but also delivers a sustainable positive impact.
Shareholders and Investors: The highest forum is the General Investors focus on profitability
Embracing its new status Meeting of Shareholders (GMS), held at performance, post-IPO growth
as a public company in least once a year. Additionally, we utilize strategies, and the implementation of
2025, Superbank continues other communication forums, including Good Corporate Governance (GCG).
to elevate its information public expose disclosures, analyst Superbank responds by maintaining
disclosure standards for both meetings, and transparency through positive financial performance (such
shareholders and the public. our Annual Reports and Sustainability as achieving profit in Q1 2025) and
Reports. implementing proactive investor
communication strategies through
the Corporate Finance & Investor
Relations division.
Employees (Supersquad): Internal communication is conducted Key topics include career development,
Employees are the driving through periodic Town Hall Meetings, wellbeing, and digital competency
asset behind the Bank’s digital an internal employee portal, weekly training. The Bank responds
transformation. Employee ‘Lunch and Learn’ sessions, as well as through intensive training programs,
engagement focuses on regular coaching and mentoring. An competitive remuneration policies,
competency development and annual Employee Engagement Survey and gender equality initiatives such as
instilling a sustainable culture. is also conducted to measure and the Super Women and Allies Club.
enhance staff morale and participation.
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30 31
Sustainability Performance Description (Rp Million) 2025 Target 2025 Realization Achievement
Percentage
Net Interest Income 1,545,399 1,576,274 102.0%
Review of Economic and Business Performance and Target
Profit Before Tax 99,015 143,273 144.7%
Achievement
Throughout the 2025 fiscal year, Superbank successfully recorded solid underlying performance, with Net Profit 77,232 99,684 129.1%
actual achievements generally exceeding the targets set in the Bank’s Business Plan (RBB). This growth
momentum was driven by disciplined business strategy execution, full commitment from shareholders, and Total Assets 20,135,899 21,282,312 105.7%
the implementation of prudent risk management in balancing business expansion with operational resilience.”
Total Liabilities 11,729,199 13,117,718 111.8%
“The following is an overview of Superbank’s economic performance realization in 2025:
Total Equity 8,406,699 8,164,594 97.1%
Total Loans - Gross Total Assets
Sustainable Finance Performance Review
Solid economic performance serves as the foundation for Superbank to expand service access for underserved
communities. Through a customer-centric approach supported by digital innovation, we strive to transform
9.6 21.3
50% YoY IDR 87% YoY accessibility challenges into long-term economic opportunities for our customers.
IDR
This commitment is realized through our flagship product, ‘Pinjaman Atur Sendiri’ (PAS), an unsecured credit facility
Trillion Trillion that offers financial management flexibility for users. The high adoption rate of this product not only contributes
to the surge in customer numbers within the Superbank ecosystem but also serves as tangible evidence of our
success in driving inclusive economic growth, where every individual has an equal opportunity to thrive.
The following are several overviews of Superbank’s sustainable economic performance achievements in 2025:
• The total number of individuals, including underbanked groups, who received unsecured loans through PAS
increased by more than 306% YoY.
Total Inclusive Net Profit • Through a measured financing strategy, Superbank successfully increased its inclusive financing reach, growing
by 49% YoY to Rp 4.0 Trillion. This success is reflected in the Inclusive and Macroprudential Financing Ratio
Financing (RPIM) of 41.6%, in line with Superbank’s vision to promote an inclusive and sustainable economy.
• In line with our effective acquisition strategy, Superbank’s customer base has continued to grow consistently
and is now approaching the 6 million customer mark.
4.0 100
IDR 49% YoY IDR
Trillion Billion
Third Party Funds Total Digital Customers
11.8 5.9
IDR 139% YoY 112% YoY
Trillion Million
This comprehensive achievement reinforces Superbank’s position as a next-generation bank that provides digital
banking services that focuses not only on innovative financial solutions but also prioritizes security, relevance, and
sustainable value creation for all stakeholders.
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32 33
Environmental Performance Water Aspect Biodiversity Aspect
Review
As a bank that provides digital services, embodying Super-Green aspirations, Superbank is committed
Superbank strives for a prudent approach to clean
water management across all office facilities. Simple
Superbank actively contributes to nature
conservation through strategic partnerships
to minimizing our operational ecological footprint through the implementation of smart green offices and yet impactful initiatives, such as replacing bottled that blend technology with ecological impact. In
efficient technological innovations. We recognize that environmental responsibility extends beyond mere plastic drinking water with glass carafes and water collaboration with Jejak.in, a technology-based
compliance; it encompasses proactive efforts in managing resources, energy, and emissions for long- dispensers in meeting rooms, not only reduce waste environmental platform, under the Grab Ventures
term sustainability. but also optimize water consumption. Velocity program, we support verified carbon offset
initiatives.
The following is an overview of Superbank’s environmental performance throughout 2025, covering
material usage, energy, water, biodiversity, emissions, waste management, and environmental grievance 2025 The recording of water 2025 This partnership has resulted
mechanisms. consumption reflects the in tree planting initiatives that
Performance Performance
Energy Consumption 2025 2024 % Bank’s efforts to manage represent Superbank’s tangible
water usage more efficiently 400 contribution to Indonesia’s
Fuel Consumption 1,373 268 m3
as part of our commitment Trees climate action agenda, as
to resource conservation well as our efforts to maintain
Electricity Consumption (kWh) 193,534.31 168,804.58 ↑ 14.65 ecosystem balance and
and sustainable operational
practices. biodiversity.
Water Consumption (m3) 268
Paper Consumption (kg) 235
Waste and
Total Emissions (Tons CO2) 2025 2024 % Emission Aspect Effluent Aspect
Scope 1 18.77* 18.77* -
The year 2025 marked a historic milestone with the Superbank combats plastic waste through our
completion of our first Climate Risk Management monthly ‘Plastic-Free Weeks’ program. Under this
Scope 2 168.37* 146.86* ↑ 14.65 System (CRMS) stress test. Using the 2024 Scope initiative, employees are encouraged to reduce their
2 emissions database (recorded at 146.86 tCO₂e) as use of single-use plastics.
Total Waste 2025 2024 %
a benchmark, we continue to monitor our emissions This program has successfully
Total Waste Disposed (Ton) 14.64** profile to anticipate the impact of climate change on 2025 diverted more than 500 plastic
the resilience of our portfolio and Bank operations.
Performance bottles from potential waste
*) The 2025 emissions calculation was conducted using the emissions calculator provided by the regulator, whereas the 2024 emissions calculation The utilization of cloud technology in partnership each month within the office
utilized proxies with a limited data population.
**) Annualized figures based on a limited data population. with global providers committed to carbon-free Reduced environment. Furthermore, the
energy remains our primary strategy for mitigating > 500 digitalization of documents has
Material Aspects Energy Aspect Greenhouse Gas (GHG) emissions. bottles/ minimized paper waste, creating
month a cleaner and more efficient
Superbank adopts a responsible approach in operational cycle.
Superbank’s energy management strategy 2025 Performance
selecting operational support materials. We prioritize focuses on two main pillars: technological The Bank recorded a total of 14.64 tons of waste
the use of eco-friendly materials for all office infrastructure optimization and energy- Scope 2 disposed on an annualized basis, calculated using a
Scope 1
furniture, ensuring that our workspaces are not only efficient behavior. As a technology-based limited data population.
Emissions Emissions
+
ergonomic but also have a low environmental impact. service provider, we strategically utilize cloud
We recognize that environmental responsibility
extends beyond mere compliance; it encompasses
server infrastructure. This step has proven
18.77 tCO2e 168.37 tCO2e Environmental Grievance
effective in maximizing resource utilization
proactive efforts in managing resources, energy, while significantly cutting energy consumption Mechanisms
and emissions for long-term sustainability. compared to conventional data centers. Total Emissions
Superbank consistently complies with all prevailing
In line with our digital business model, we promote 187.14 tCO2e environmental laws and regulations. We provide
Within the workspace, the smart green office
a paperless culture across all internal and external concept is implemented through regular energy transparent grievance mechanisms for stakeholders
operational aspects. The transformation from paper- monitoring and internal campaigns that encourage to raise concerns regarding the environmental
based administrative processes to a fully digital employees to switch off lights and electronic impact of our operations.
documentation system, including the customer devices when not in use for extended periods.
onboarding process, has significantly reduced our
reliance on paper materials. 2025 Performance 2025 Performance
An increase of 12.8% from the Throughout the reporting period, there were no
2025 Performance 193,534.31 previous year is in line with environmental-related grievances received, and no
kWh business operational expansion monetary or non-monetary sanctions were imposed
Total paper consumption is
and the growth in headcount, on the Bank for non-compliance with environmental
235 kg recorded as highly efficient,
yet it remains managed within regulations.
papers reflecting the success of the bank’s
a framework of strict efficiency.
digitalized workflows.
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Social Performance Labor Aspects
Employee Demographic
Review As of the end of December 2025, Superbank employed 665 individuals, with female employees accounting
for approximately 37% of the total workforce, distributed across various organizational levels, including
The social performance data disclosed herein is inherently tied to Superbank’s internal operations. managerial positions. Superbank upholds the principle of equal employment opportunity, ensuring that
Consequently, while these topics are deeply integrated into our organizational practices, they are not recruitment, development, performance appraisal, and promotion processes are conducted fairly and
classified as material for disclosure purposes. Nevertheless, they remain essential components of our based on merit, without gender discrimination. As the organization grows, Superbank continues to foster
commitment to responsible and sustainable business conduct. an inclusive work environment that provides equal space for women to thrive and advance their careers.
In support of this, we established the ‘Super-Women Club and Allies’ as a forum for empowerment
and capacity building for our female employees. Moving forward, Superbank remains committed to
Statement on Equal Access to Products for strengthening inclusive and sustainable labor practices.
Customers
As a Bank committed to inclusion, Superbank ensures its banking application is accessible to anyone,
57%
anywhere, as long as they have an internet connection. Our primary focus is serving the underbanked
population by providing equitable access, particularly for communities that have yet to be optimally
reached by banking services. We implement unsecured lending to reach individuals who are often excluded
Total Male Total Female
from conventional banking, thereby upholding financial inclusion while maintaining steadfast compliance
with prudent risk management practices. Equal access to products is bolstered by the implementation
Women in Leadership Positions
of reliable security and data protection systems. Throughout 2025, the Bank recorded zero incidents or (Board of Commissioners, Board of
Total
417 248 Directors, and Executive Officers)
customer grievances regarding data breaches, reflecting our commitment to maintaining customer trust
(62.7%) (37.3%)
and supporting sustainable and responsible banking practices.
CUSTOMER PROFILE
Commitment to Equal Employment Opportunity
Gender Age Onboarding Demographic
To uphold equality and non-discrimination in recruitment, Superbank enforces a fair hiring policy that
prohibits the consideration of personal identity factors (e.g., gender, age, disability status, ethnicity,
religion, or other forms of self-expression) during the evaluation process. This crucial step fosters a
diverse, inclusive, and entirely merit-based recruitment process, ensuring equal opportunities for all
candidates. Superbank’s recruitment policy is strategically designed to guarantee fair, merit-based
Total Male Total Female Age Range Percentage
evaluations, focusing on candidates’ skills, potential, and cultural alignment with the institution’s values.
Assessment criteria encompass essential qualifications, including educational background, organizational
3.5 million 2.4 million
<=20 5% Java 70,40% experience, professional achievements, and work history. Furthermore, the process emphasizes work
(60%) (40%) potential and self-development, particularly in assessing learning capacity and growth trajectory.
Candidates are also evaluated based on character and personal qualities that optimize job performance,
21-30 48% Kalimantan 4,39% alongside specialized knowledge and skills that contribute directly to organizational success. Most
importantly, alignment with Superbank’s corporate image, values, and culture ensures that new hires are
fully in sync with the organization’s mission and work environment. Generally, the recruitment process
31-40 28% Sumatera 16,51%
consists of:
• Administrative screening based on CVs and documents submitted by candidates.
41-50 13% Sulawesi 5,62% • Basic competency testing for specific positions.
• Interviews, discussions, or other assessment methods to evaluate candidate competencies.
• Pre-employment screening to evaluate the integrity and credibility of candidates through external
51-60 4% Others 3,09%
sources with relevant information. This screening includes, but is not limited to, credit checks, Anti-
Money Laundering (AML) checks, background checks, candidate verification, and identification of
>60 1% family relationships with existing employees.
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Commitment to the Prevention of Forced Labor Internal Capacity Building on Sustainability
Superbank holds a steadfast commitment preventing forced labor and ensuring full compliance with As part of its training and development, Superbank prioritizes the introduction and deepening of
labor regulations to protect employee rights, particularly regarding flexible working arrangements and sustainability as a core element of organizational capacity building under the SuperGROW framework.
leave entitlements. To effectively uphold these standards, we have established comprehensive corporate Our sustainability approach is not treated as a standalone topic rather, it is a learning initiative deliberately
policies that provide clear guidance on the following: embedded through various internal activities to integrate ESG into our mindset, culture, and decision-
making processes.
• Fair and regular working hours, ensuring the equitable distribution of tasks and responsibilities.
• Leave entitlements, guaranteeing employees’ rights to rest, personal time, and well-being.
By implementing these policies, Superbank fosters a healthy, balanced, and legally compliant work
environment.
Commitment to the Prohibition of Child Labor
In strict adherence to all legal requirements, Superbank ensures that every employee has reached the
legal working age (17 years), which is confirmed through verified identification during the recruitment
process. The institution strictly prohibits and does not employ child labor, maintaining full compliance
with all relevant laws governing the employment of minors.
Compliance with Regional Minimum Wage Standards
Superbank’s remuneration policy guarantees fair compensation for all employees through strict compliance
with minimum wage regulations across every operational region (Jakarta, Bandung, and Yogyakarta).
Superbank’s dedication to fair wages is demonstrated through two primary practices: setting the base
salary for permanent staff in entry-level roles above the Regional Minimum Wage (UMK), and ensuring
absolute pay equity regardless of gender. These standards are continuously monitored to maintain
competitive and equitable compensation for our team.
Decent and Safe Working Environment
At Superbank, we believe that a safe workplace is a culture where everyone feels comfortable,
respected, and supported. Superbank encourages open conversations regarding boundaries, respectful
communication, and ways to support colleagues when concerns arise. This approach ensures that
workplace safety is not only practically implemented but truly experienced and felt by our employees.
Aligned with the Company’s aspiration to foster a safe work environment, Superbank’s commitment to
employee well-being has earned external recognition through the Bronze Award for Best Employee
Wellness Strategy at the Employee Experience Awards Indonesia 2025. This achievement reflects the
Company’s ongoing efforts to cultivate a workplace that protects both the physical and mental wellbeing
of its employees, promotes psychological safety, and supports a healthy work-life balance as an integral
part of its sustainability agenda.
Training and Capability Development
In supporting operational activities, the Bank is committed to enhancing Human Resources (HR) capabilities
through training mechanisms, coaching and mentoring, and strategic assignments. Mandatory training
is conducted consistently to ensure all Bank personnel possess the necessary competencies and skills. Throughout 2025, sustainability-related learning activities covered aspects of financial inclusion and/or
In line with digital transformation, the Bank makes strategic investments in future-ready skills through financial literacy, product knowledge and/or development, green initiatives, risk (including climate risk),
15 training sessions related to Data Protection & Security and AI. Furthermore, the Bank proactively data protection and governance, digital security, cybersecurity, asset protection, consumer protection,
monitors the fulfillment of mandatory professional certifications, such as Risk Management Certification AML-CFT-CPF (Anti-Money Laundering, Counter-Financing of Terrorism, and Counter-Proliferation
(SMR), Treasury Dealer, and SK-SP, to ensure organizational readiness in facing the dynamic challenges Financing of Weapons of Mass Destruction), compliance, safe workspaces and environments, as well as
of the financial industry. leadership training. Beyond knowledge sharing, these sessions provided a space to critically explore how
sustainability principles intersect with business strategy, risk awareness, and long-term value creation.
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Total Training
Average Total Training These diverse engagements are designed around Social Aspects
Hours/ Employee relevant sustainability themes and delivered
as of December 2025 through interactive formats that encourage par- Impact of Operations on Local Communities
as of 31 December 2025
35,756 hours ↑ 46.4 hours*
ticipation and dialogue. By involving ecosystem As a bank that provides digital services whose operations are conducted without the need for physical
and business partners, subject matter experts, branch offices (branchless), the negative impacts of Superbank’s operational activities on local
*) as of December 2024: 30 and practitioners, Superbank creates an inclusive communities are relatively limited. An operational model that prioritizes digital services helps minimize
hours learning platform that is open to all employees. the potential environmental and social impacts typically associated with large-scale physical operations,
The strengthening of ESG engagement is driven by management’s commitment through a top-down such as noise, traffic congestion, disruption of community activities, or changes in regional spatial
approach, reflected in the active involvement of management in various sustainability initiatives to build planning.
collective capacity. Demonstrating leadership by example, Superbank’s Chief Financial Officer (CFO) On the other hand, digital technology-based operations provide indirect positive impacts for the
obtained the Certificate in ESG Investing from the CFA Institute in 2025. This achievement is expected community through the provision of financial services that are more accessible, efficient, and inclusive.
to foster motivation and strengthen ESG capabilities across the entire organization. The utilization of digital platforms allows the public to access banking services without depending on the
physical presence of branch offices, thereby increasing convenience, time efficiency, and service reach
across various levels of society.
Occupational Health and Safety (OHS) To anticipate potential impacts that the public might experience from digital technology-based operations,
Workplace safety is fundamental to fostering a productive and healthy environment where employees Superbank continuously carries out digital financial literacy and inclusion efforts. This initiative aims to
feel secure and valued. This commitment demands the implementation of rigorous measures to mitigate enhance public understanding of using digital financial services safely and responsibly, supported by
workplace accidents, injuries, and occupational hazards. Key actions include providing adequate training, strengthened governance, system security, and consumer protection to ensure that the benefits of
ensuring the availability of safety equipment, and maintaining an organized workspace. By upholding digital operations can be felt broadly and sustainably.
strict safety standards and regulations, the organization protects its workforce while reducing operational
disruptions associated with workplace incidents. Generally, these safety procedures encompass various
aspects, such as: Community Grievances Received by Superbank
The Bank provides communication channels for the public to submit positive feedback or constructive
Building Access:
grievances regarding its operational and/or sustainability activities via email at sustainability@superbank.
1. Restricted access for third parties/guests, with a requirement for a designated person-in-charge to id. As of the end of 2025, the Bank has received no environmental-related community grievances
meet and escort guests throughout their stay in the office. concerning Superbank’s operational activities.
2. Installation of monitoring devices (such as CCTV).
3. Periodic reviews of physical building access and workplace environmental controls to ensure safety, Environmental and Social Responsibility (ESR) Activities
including fire detection and suppression, electrical data adjustments, air conditioning (HVAC)
regulation, humidity control, and other related measures. Throughout 2025, Superbank embodied its Make an Impact value through various social responsibility
activities involving the active participation of employees and collaboration with strategic partners.
Implementation of Occupational Safety Superbank’s social initiatives are focused on local community empowerment, strengthening the spirit of
togetherness, and supporting social and environmental sustainability.
1. All work equipment must be stored in a secure location.
2. Prohibition of eating, drinking, and smoking in areas containing information storage facilities or
computer centers (server rooms). Realization of Environmental and Social Responsibility (ESR) Funds
3. Provision of regularly updated emergency contact numbers, including the police, building security,
2025
↑
fire department, ambulance, nearest hospitals, National Electricity Company (PLN), Regional Disaster
↑
Management Agency (BPBD), and others.
4. Fire risk protection by providing and maintaining fire suppression systems, water sprinklers, smoke 2024
140 million
detectors, and Portable Fire Extinguishers (APAR) in easily accessible areas; establishing disaster
protection and office evacuation procedures in accordance with Business Continuity Management 23 million
(BCM) and other relevant protocols; and storing flammable materials outside computer and
communication rooms. With the support of the building management where we operate, fire drills are
conducted regularly to ensure all employees can respond quickly and effectively in fire emergencies.
The increase in Environmental and Social Responsibility (ESR) fund realization reflects Superbank’s
5. Material Safety Data Sheets (MSDS) are compiled to provide information for all employees regarding
strengthening commitment to embodying its ‘Make an Impact’ value and continuously delivering a
potential hazards (health, fire, reactivity, and environmental impact) as well as guidance for working
positive impact for society.
safely with chemical products.
Our dedication to providing a safe and healthy workplace is formalized through Superbank’s comprehensive
commitment to OHS compliance. We ensure this through ongoing adherence to regulatory mandates,
meticulous implementation of safety protocols, and the promotion of a work culture that prioritizes
awareness and accountability for the well-being of all personnel, contractors, and relevant stakeholders.
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40 41
Superbank’s Engagement in Local Community Empowerment
Responsibility for Sustainable
Product Development and
Financial Services
Superbank believes that the banking products of the future must not only be relevant and accessible
but also socially and environmentally responsible. Through our SuperGROW strategy, we ensure that
every product and service innovation launched has undergone a comprehensive impact assessment,
upholds the principles of consumer protection, and contributes positively to national financial inclusion.
In line with this, Superbank is committed to realizing our Super-Reliable and Safe aspiration by prioritizing
the security of the banking ecosystem. We integrate reliable security systems throughout the entire
business cycle to guarantee transparent and integrated services.
Innovation and Development of Sustainable
Products and Financial Services
As a digital-first bank, innovation is at the heart of our sustainability strategy. Superbank develops
sustainable financial products and services with Social and Economic Aspects as our primary approach:
1. Loan Products: We introduced the Pinjaman Atur Sendiri (PAS) – a ‘Self-Adjusting Loan’ product
specifically designed to serve the underbanked segment. This product utilizes alternative credit
September 2025 – Super Volunteer Activity: In collaboration with KakaoBank and Habitat for Humanity, Superbank scoring based on data analytics, enabling individuals who previously lacked access to formal banking
volunteers participated in a project in Daon Village, Banten, to help build houses for underprivileged families while to obtain fair and transparent financing.
simultaneously conducting financial literacy sessions for junior high school students in the community.
2. Savings Products:
Main Savings Account: An account that is automatically Celengan by Superbank: A type of savings account
created when a customer successfully registers as that enables automatic saving. There are two available
a Superbank customer. Customers can use the Main methods for saving: Auto-Fill or Non-Auto-Fill. The
Savings Account for sending and receiving transfers amount saved will be adjusted based on the chosen
from other banks. deposit frequency by the customer. Customers have
the opportunity to earn higher interest rate of up to 10%
p.a. and the balance can be withdrawn at any time.
Saku by Superbank: Additional savings account Deposito by Superbank: Savings product in the form of
designed to help allocate customers’ money according a deposit that can be accessed through the application,
to their specific needs. Saku can also be named to offering benefits with interest rates of up to 7.5% p.a.
match the customer’s allocation preferences. where the term can start as early as 7 days and can be
withdrawn earlier before the maturity date without any
October 2025 – Super Volunteer Activity x Habitat for administrative fees.
March 2025 – An Iftar gathering (breaking fast) with
children from the Insan Amalia Foundation in Central Humanity in Rajeg, Banten: A housing construction
Jakarta, as part of our internal Ramadan campaign, and tree-planting initiative in commemoration of Youth
#BerkahOVONabung. Pledge Day (Hari Sumpah Pemuda). OVO Nabung: Enables one-click account opening Superbank x Grab Integration: Integrates digital
for Superbank’s digital savings within the OVO app, banking services into the Grab ecosystem through
Social Contributions: offering interest rates of up to 5% p.a. with seamless direct debit and in-app onboarding, enabling automatic
transactions. payments, instant account opening within the Grab app,
• November 2025 – The Bank distributed a social contribution of IDR 15 million through Lovepink
and same-day settlement for partners/merchants to
Indonesia to support affected communities and foster early cancer awareness and education. drive the adoption of Superbank’s services.
Superbank also encouraged employees to contribute to Lovepink Indonesia to support breast cancer
survivors and early detection awareness initiatives.
• December 2025 – As a form of solidarity and commitment to humanitarian values, Superbank Lucky Pocket: Offers customers daily cash rewards by saving
once and selecting a Lucky Pocket each day, with prizes
distributed a social contribution of IDR 50 million to support humanitarian aid for communities affected
credited directly to the main savings account and additional
by disasters in North Sumatra. chances for customers who participate consistently for 7
consecutive days.
Page 22
42 43
Security Evaluation of Products and Services
Superbank places customer security as its top priority by ensuring that 100% of our products and services
have undergone thorough security impact evaluations before being launched. We implement a multi-
layered protection approach that encompasses both cybersecurity and financial integrity. All products
operate under the ISO 27001:2022 standard, featuring advanced data encryption and independent security
testing (penetration testing) to guarantee privacy and service availability. Furthermore, transactional
integrity is maintained through the AML/CFT and CPF (APU PPT PPPSPM) programs, which integrate
digital biometric verification and AI-based real-time fraud detection systems. This comprehensive
evaluation ensures that every innovation we introduce is not only solution-oriented but also secure from
cyber risks and financial crimes, in compliance with prevailing regulations.
Impact of Products and Services
Superbank’s products and services are designed to create a positive multiplier effect for the grassroots
economy:
Rapid and Widespread Public Adoption of Prevention of Over-Indebtedness::
Products and Services::
The use of an alternative credit scoring engine for
The success of Superbank’s product penetration PAS (Pinjaman Atur Sendiri) allows us to assess a
strategy is reflected in our growing customer base, customer’s repayment capacity more accurately
which is now nearing 6 million users. This proves by tailoring it to their profile, capability, and needs.
that our products are highly relevant and deliver a This approach prevents over-extension of credit,
significant impact for the broader community. which could potentially trap customers in a cycle
of debt.
Number of Product Recalls
Throughout 2025, there were no banking products and/or services withdrawn from circulation due to
system defects, regulatory violations, or security risks. All launched products have obtained formal
approval and registration from the Financial Services Authority (OJK) and Bank Indonesia.
Customer Satisfaction Survey on Sustainable
Products and/or Financial Services
Superbank places customer satisfaction as a key success indicator. We conduct periodic measurements
through various channels:
• Net Promoter Score (NPS) 2025* : 65 (Excellent)
*) Using Blended NPS Q4 2025
• Application Rating: The Superbank app consistently maintains high ratings on both the
Google Play Store and Apple App Store, reflecting positive reception of its intuitive user
interface and system reliability.
• Feedback Mechanism: The in-app help center feature allows customers to provide real-
time feedback.
• 2025 Evaluation Results: Internal surveys show an increase in customer satisfaction,
particularly regarding the ease of the onboarding process, which can be completed in
minutes, as well as the fee transparency of loan products. Customer feedback has become
our primary foundation for developing more personalized ‘Celengan’ and ‘Saku’ features this
year. Information regarding customer complaints and the steps taken by Superbank to resolve
them is available in the 2025 Annual Report.
Page 23
44 45
FEEDBACK FORM Response to Feedback on the Previous Year’s Sustainability Report
Throughout 2025, no feedback was received from any stakeholders regarding the previous year’s
Superbank will continue to enhance the content of our Sustainability Report in the years to come, therefore, we Sustainability Report.
would appreciate your willingness to complete this Feedback Form for your critiques and suggestions.
POJK 51/2017 Index
YOUR PROFILE
Name: _______________________________________________________________________
Email: _______________________________________________________________________ Indicator Description of Requirements Page Additional Notes
Telephone number: _______________________________________________________________________
Institution/Company: _______________________________________________________________________ I Sustainability Performance Highlights 9 ✓
Stakeholder Category: Investor/Customer/Employee/Government/Partner/Community/Others
I.I Economic Performance 9, 30-31, 41
Please provide your overall assessment of this Report: I.I.I Number of Product Types Meeting Sustainable Business 41 ✓
Activity Criteria
(Rating 1 = Strongly Disagree, and Rating 5 = Strongly Agree)
Parameter 1 2 3 4 5 I.I.II Outstanding Balance of Products and/or Services 9, 31 ✓
Meeting Sustainable Business Activity Criteria (IDR)
Clean and relevant information
I.I.III Total Outstanding Third-Party Funds (IDR) 9, 30 ✓
Comprehensive information
Easy to understand
I.I.IV Total Outstanding Loans (IDR) 9, 30 ✓
Design, layout, and graphics
I.I.V Total Face Value of Securities Held (IDR) 9, 30-31 ✓
Which topics are most important to you in a Sustainability Report:
(Rating 1 = Strongly Disagree, and Rating 5 = Strongly Agree) I.I.VI Percentage of Sustainable Business Activity Portfolio to 9, 30-31 ✓
Total Portfolio (%)
Parameter 1 2 3 4 5
I.I.VII Total Outstanding Loans and Financing by Sustainable 9, 30-31 ✓
Environmental Aspects
Business Activity Category (IDR)
Cybersecurity & Customer Data Privacy
I.II Environmental Performance 9, 32-33
Business Ethics & Sustainable Governance
I.II.I Energy Use: 9, 32 ✓
Sustainable Economic Performance
Human Rights & Gender Equality a. Fuel Consumption (Liters) 9, 32 Measurement in progress
Human Resources Development
b. Electricity Consumption (kWh) 9, 32 ✓
Do you have any suggestions for our current or future Sustainability Reports?
________________________________________________________________________________________________________________________ c. Water Consumption (m3) 9, 32-33 Water usage
________________________________________________________________________________________________________________________ measurements are
______________________________________________________________________________________________________ administered by the local
building management.
d. Paper Consumption (kg) 9, 32 ✓
Please return this Feedback Form to the following address:
I.II.II Total Emissions (Ton CO2): 9, 32-33
Corporate Secretary
a. Scope 1 9, 32-33 ✓
PT Super Bank Indonesia Tbk, Revenue Tower Lantai 29, SCBD Lot 13 District 8
Jl. Jend. Sudirman Kav 52-53, Jakarta, Indonesia, 12190
b. Scope 2 9, 32-33 ✓
Email: sustainability@superbank.id; Tel: 1500 333
Page 24
46 47
Indicator Description of Requirements Page Additional Notes Indicator Description of Requirements Page Additional Notes
c. Scope 3: Financed Emission N/A Measurement framework II.V Internal Challenges: Issues Faced from an Internal 15-21, 25-29,
under development Perspective 32-42
d. Scope 3: Non-Financed Emissions N/A Measurement framework
under development a. Bank’s Business Focus 15-21 ✓
e. Emission Reduction 32-33 No specific emissions
reduction targets have b. Bank’s Operations 29 ✓
been established for the
current reporting period.
I.II.III Total Emissions for Scope 1,2,3 32-33 Only scope 1 & 2 c. Internal Policies 25 ✓
I.II.IV Total Waste Disposed (Tons) 9, 32-33 Qualitative disclosure d. Bank’s Human Resources Expertise 25-26 ✓
where management
of water resources are
administered by the e. Others 26-29 ✓
Property Management.
I.II.V Biodiversity Conservation Activities (IDR) 33 ✓
II.VI Mitigation Actions for Internal Challenges 32-42 ✓
I.III Social Performance - Financial Inclusion Performance II.VII External Challenges: Issues Faced from an External 15, 28-29,
Perspective 32-42
I.III.I Expansion of Agent Banking Services N/A Not relevant to Superbank
a. Government Policies 28 ✓
I.IV Social Performance - Internal 9, 12
b. National, Regional, and Global Economic Outlook 15, 29 ✓
I.IV.I Total Employees 9, 12 ✓
c. Others N/A There are none
I.IV.II Number of Board of Directors and Board of 12 ✓
Commissioners II.VIII Efforts to Address External Challenges 32-42 ✓
I.IV.III Number of Employees with Disabilities N/A the Bank does not have any
disabled employees III. Job Descriptions and Competency & Product 24-26
Development
I.V Social Performance - Social Activities 9
III.I Internal Bank Development Program Across All Levels 25-26, 36-
I.V.I Social Activity Fund Realization 9 ✓ of Seniority 38
a. Number of Development Activities for the Board of 25-26 ✓
I.VI Association Memberships 13 Commissioners
b. Number of Development Activities for the Board of 25-26 ✓
I.VI.I Number of Associations 13 ✓
Directors
c. Number of Development Activities for Senior 25-26 ✓
II. Board of Directors’ Statement on Sustainable Finance 6-7, 15-21
Management
Development and Challenges
d. Number of Development Activities for Employees 36-38 ✓
II.I Sustainability Strategy Overview 6-7 ✓
III.II Organizational Structure and Internal Control 25-27
II.II Policies to Address Challenges in Sustainability Strategy 15 Other policies can
Implementation be accessed on the
a. Number of Work Units handling Sustainable Finance 25 ✓
Superbank website.
and Climate Risk Control
II.III Implementation of Sustainable Finance 15-21 ✓
b. Number of Risk Management SOPs related to 26-27 ✓
II.IV Target Achievement Strategy 21 ✓ Sustainable Finance
Page 25
48 49
Indicator Description of Requirements Page Additional Notes
SEOJK 16/2021 Index
III.III Independent Party Verification
Indicator Description of Requirements Page Additional Notes
a. Sustainability Report Assurance Provider N/A The Bank did not appoint A Sustainability Strategy 6-7
any independent parties
regarding the preparation A.1 Sustainability Strategy Overview 6-7 ✓
of the Sustainability
Report and the calculation B Sustainability Performance Highlights 9
of emissions.
b. Independent Emission Calculation Verifier N/A The Bank did not appoint B.1 Economic Aspect, at a minimum, includes: ✓
any independent parties
regarding the preparation
of the Sustainability a. Quantity of products or services sold 30-31 ✓
Report and the calculation
of emissions. b. Revenue or sales 31 ✓
c. Other Consultants N/A The Bank did not appoint
any independent parties
regarding the preparation c. Net profit or loss 31 ✓
of the Sustainability
Report and the calculation d. Environmentally friendly products 31 ✓
of emissions.
III.IV Stakeholder Overview 27-29 ✓
e. Involvement of local parties in Sustainable Finance N/A ✓
business processes
III.V Stakeholder Parties 27-29 ✓
B.2 Environmental Aspect, at a minimum, includes: ✓
a. Shareholders 28 ✓
a. Energy consumption 32-33 ✓
b. Government 28 ✓
b. Reduction of emissions produced 33 ✓
c.Regulatory Authorities 28 ✓
c. Reduction of waste and effluents 33 ✓
d. Academics N/A ✓
d. Biodiversity conservation 33 ✓
e. Practitioners N/A ✓
B.3 Social Aspect 34-40 ✓
f. Employees 28 ✓
C Company Profile 10-13
g. Customers 28 ✓
C.1 Sustainability Vision, Mission, and Values 10 ✓
h. Others 28 ✓
C.2 Company Address 13 ✓
C.3 Scale of Operations, at a minimum, includes: ✓
a. Total assets or asset capitalization and total liabilities 11 ✓
b. Number of employees by gender, position, age, 12 ✓
education, and employment status
Page 26
50 51
Indicator Description of Requirements Page Additional Notes Indicator Description of Requirements Page Additional Notes
c. Names of shareholders and percentage of share 11 ✓ Environmental Performance 32-33
ownership
d. Operational areas 11 ✓ General Aspects
F.4 Environmental Costs 33 ✓
C.4 Products, Services, and Business Activities Carried Out 10 ✓
Material Aspects 32
C.5 Association Memberships 13 ✓
F.5 Use of Environmentally Friendly Materials 32 ✓
C.6 Significant Changes to the Issuer and Public Company 6 ✓
Energy Aspects 32
D Board of Directors’ Explanation 15-21
F.6 Total Energy Consumption and Energy Intensity 32 ✓
D.1 a. Policies to respond to challenges in fulfilling the 15 ✓
sustainability strategy
F.7 Efforts and Achievements in Energy Efficiency and the 32 ✓
b. Implementation of Sustainable Finance 15-21 ✓ Use of Renewable Energy
Water Aspects 33
c. Strategy for target achievement 21 ✓
F.8 Water Consumption 33 ✓
E. Sustainability Governance 25-29
Biodiversity Aspects 33
E.1 Person in Charge of Sustainable Finance 25 ✓
F.9 Impact of Operational Areas Near or Located in 33 ✓
Implementation
Conservation Areas or Biodiversity-Rich Areas
E.2 Competency Development Related to Sustainable 25-26 ✓
Finance F.10 Biodiversity Conservation Efforts 33 ✓
E.3 Risk Assessment on Sustainable Finance 26-27 ✓
Implementation Emissions Aspects 32-33
E.4 Stakeholder Engagement 27-29 ✓
F.11 Total Emissions and Emission Intensity Produced by 32-33 ✓
Type
E.5 Challenges and Issues in Sustainable Finance 29 ✓
F.12 Efforts and Achievements in Emission Reduction 33 ✓
Implementation
F Sustainability Performance 30-40
Waste and Effluents Aspects 33
F.1 Activities to Build a Sustainability Culture 30-40 ✓ F.13 Total Waste and Effluents Produced by Type 33 ✓
Economic Performance 30-31 F.14 Waste and Effluent Management Mechanisms 33 ✓
F.2 Comparison of Targets and Performance in Production, 30-31 ✓ F.15 Spills Occured (if any) 33
Portfolios, Financing Targets, or Investments, Revenue,
and Profit/Loss
Environmental Grievances Aspects 33
F.3 Comparison of Targets and Performance in Portfolios, 31 ✓
Financing Targets, or Investments in Financial
Instruments or Projects Aligned with Sustainable F.16 Number and Subject of Environmental Grievances 33 ✓
Finance Received and Resolved
Page 27
52 53
Indicator Description of Requirements Page Additional Notes
GRI Index
Social Performance 34 Statement of Use Superbank has reported the information cited in this GRI content index for the period 1
January to 31 December 2025 with reference to the GRI Standards.
F.17 Commitment to Providing Equal Products and/or 34 ✓
Services to Consumers GRI 1 Used GRI 1: Foundation 2021
Employment Aspects 35-38
F.18 Equal Employment Opportunity 35 ✓ GRI STANDARD DISCLOSURES LOCATION (PAGE)
F.19 Child Labor and Forced Labor 36 ✓
GRI 2: General Disclosures 2021 2-1 Organizational details 10-13
F.20 Regional Minimum Wage 36 ✓
2-3 Reporting period, frequency and contact point 3
F.21 Decent and Safe Working Environment 36 ✓
2-7 Employees 12
F.22 Employee Training and Competency Development 36-38 ✓
2-9 Governance structure and composition 25
Community Aspects 39
2-12 Role of the highest governance body in 25
F.23 Impact of Operations on Local Communities 39 ✓ overseeing the management of impacts
F.24 Community Grievances 39 ✓
2-14 Role of the highest governance body in 25
sustainability reporting
F.25 Environmental and Social Responsibility (ESR) 39 ✓
2-22 Statement on sustainable development 22-23
Responsibility for Sustainable Product/Service 41-42 ✓ strategy
Development:
F.26 Innovation and Development of Sustainable Financial 41 ✓ 2-23 Policy commitments 6-7, 15-21
Products/Services
F.27 Products/Services Evaluated for Customer Safety 42 ✓ 2-24 Embedding policy commitments 6-7, 15
F.28 Product/Service Impacts 42 ✓ 2-28 Membership associations 13
F.29 Number of Product Recalls 42 ✓
2-29 Approach to stakeholder engagement 27-28
F.30 Customer Satisfaction Survey on Sustainable Financial 42 ✓
Products and/or Services GRI 3: Material Topics 2021 3-1 Process to determine material topics -
G Others 44-45
G.1 Written Verification from an Independent Party (if any) N/A 3-2 List of material topics -
G.2 Feedback Form 44 ✓ 3-3 Management of material topics -
G.3 Response to Feedback on the Previous Year’s 44 ✓
Sustainability Report
G.4 Disclosure Index in Accordance with FInancial Services 45 ✓
Authority (OJK) Regulation No. 51/POJK.03/2017 on the
Implementation of Sustainable Finance for Financial
Services Institutions, Issuers, and Public Companies
Page 28
54 55
GRI STANDARDS DISCLOSURES LOCATION (PAGE)
Superbank’s Super-GROW Supports the
GRI 201: Economic Performance 201-1 Direct economic value generated and 9, 30-31
United Nations Sustainable Development
Goals (SDGs)
2016 distributed
GRI 302: Energy 2016 302-1 Energy consumption within the organization 9, 32-33
Superbank’s Sustainability Aspiration, Super-GROW, is committed to driving sustainability by aligning its efforts
with the SDGs. Through innovative practices and responsible operations, we aim to create lasting value for our
GRI 305: Emissions 2016 305-2 Indirect (Scope 2) GHG emissions 9, 32-33 stakeholders while contributing to address critical global challenges such as climate change, social equity, and
economic growth. By integrating sustainability principles into our strategies, products, and community initiatives,
we strive to contribute meaningfully to a more inclusive and sustainable future for all.
GRI 401: Employment 2016 401-2 Benefits provided to full-time employees 12-35 Sustainability SDG Approach
that are not provided to temporary or part-time Aspirations
employees
Super-Green • SDG 7 - Affordable and Clean As a bank that provides digital baking services,
Energy Superbank is deeply committed to promoting
GRI 403: Occupational Health and 403-1 Occupational health and safety management 38
Safety 2018 system • SDG 13 - Climate Action sustainability through environmentally friendly
operations. We have adopted a paperless approach
to support a green office, significantly reducing paper
GRI 405: Diversity and Equal 405-1 Diversity of governance bodies and 12, 35-38 waste and fostering a more sustainable workplace.
Opportunity 2016 employees Additionally, we have taken steps to minimize the
use of plastic bottles from our consumption, further
GRI 413: Local Communities 2016 413-1 Operations with local community engagement, 40
reducing our environmental footprint.
impact assessments, and development programs
We have also streamlined our operations by reducing
the number of physical branches, which not only
enhances operational efficiency but also contributes
to lowering transportation-related emissions.
Furthermore, by promoting a hybrid working
arrangement, we support flexible work options that
help reduce gas consumption and decrease the
environmental impact of daily commuting.
Super-Reliable and • SDG 16 - Promote peaceful To safeguard data and ensure privacy, security, and
Safe and inclusive societies for transparency for our customers, Superbank prioritize
sustainable development, strong ethical standards and robust internal controls
provide access to justice within our organization.
for all and build effective,
accountable and inclusive
institutions at all levels We provide comprehensive ethics and anti-money
laundering training to all employees, ensuring that
they are equipped to uphold the highest standards
of integrity and security. Equally important, we
also ensure adherence to our Code of Ethics and
Code of Conduct across all levels, reinforcing our
commitment to ethical behavior and responsible
management of sensitive information. Additionally,
our compliance officer conducts regular internal
control reviews, with detailed reports submitted to
the board, ensuring that data security and integrity
are maintained at all times.
These measures not only protect against
cybercrime and potential breaches but also promote
transparency and accountability, fostering trust
in our operations and ensuring the responsible
management of both institutional and public data.
Page 29
56 57
Sustainability SDG Approach
Aspirations
Super-Opportunity • SDG 1 - No Poverty Superbank’s approach to addressing poverty
• SDG 8 - Decent Work and is centered on providing both financial literacy
Economic Growth and support to underserved and underbanked
communities.
• SDG 9 - Industry, Innovation
and Infrastructure
This lack of access perpetuates the cycle of
poverty, limiting opportunities for job creation
and economic mobility. By offering equal financial
treatment through our tailored funding and lending
product to underserved populations, we can foster
greater opportunities, stimulate economic growth,
reduce unemployment, and ultimately contribute to
the elimination of poverty.
We also provide financial literacy and guidance
to underserved groups such as Grab drivers and
merchants. Through our tailored app, we offer
tools designed to support both personal finance
management and MSME financial management.
This approach reflects our dedication to bridging
economic disparities by empowering individuals with
the knowledge and resources needed to navigate
the financial system effectively. We are focused
on delivering an enhanced banking experience for
both retail and MSME users, helping drive inclusive
economic growth, job creation, and sustainable
business opportunities for all
Super-Women • SDG 5 - Gender Equality At Superbank we strongly believe in the value of
• SDG 10 - Reduced Inequalities promoting women’s leadership, as we recognize
that both men and women possess equal potential
to excel in their roles. We are proud to highlight
that 3 out of 5 members of our BOD are women,
and 2 out of 3 members of our BOC are women.
This reflects our commitment to gender equality
and demonstrates that gender is not a factor in
assessing an individual’s capabilities or potential.
In addition to fostering gender diversity in leadership
positions, we actively promote women’s leadership
through dedicated training and mentoring programs.
These initiatives empower women, enhance their
professional growth, and ensure they have the
support and resources to succeed at every level. By
championing women in leadership, we contribute
to a more inclusive, equitable workplace and
demonstrate that both men and women can drive
organizational success.
Through our products and services, we also channel
financial support for women’s micro-entrepreneurs
to promote them with entrepreneurial opportunities
to achieve economic independence.
Names mentioned 19 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×8
unresolved
org
Financial Services Authority
p.2 ×3
unresolved
org
Indonesia Stock Exchange
p.4 ×2
unresolved
org
PT Kudo Teknologi Indonesia
p.6
unresolved
org
KakaoBank Corp. GXS Bank Pte. Ltd.
p.6
unresolved
org
Singtel Alpha Investments Pte. Ltd.
p.6
unresolved
org
Pte. Ltd.
p.6
unresolved
org
Bank Development Programs
p.14
unresolved
org
Deposit Insurance Corporation
p.15
unresolved
org
Bank Indonesia. Customer Satisfaction Survey
p.22
unresolved
org
Bank Development Program Across All Levels
p.24
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