Source file signed link, expires in 15 minutes
Extracted text 160
Page 1
Empowering Values,
Sustaining the Future
2025
Laporan Keberlanjutan | Sustainability Report
Page 2
Pernyataan Informasi yang disajikan dalam Laporan Keberlanjutan PT Bank Permata Tbk (“Permata Bank” atau “Bank”) mencakup pengungkapan kinerja dan strategi Bank pada aspek ekonomi, lingkungan, sosial, serta tata kelola keberlanjutan. Laporan ini merupakan bagian dari Laporan Tahunan yang disusun dan dipublikasikan secara terpisah. Kecuali untuk informasi yang bersifat historis, sejumlah pengungkapan dalam laporan ini termasuk dalam kategori pernyataan ke depan sebagaimana diatur dalam ketentuan peraturan perundang-undangan yang berlaku. Pernyataan tersebut bersifat prospektif dan mengandung risiko serta ketidakpastian, sehingga hasil atau kondisi aktual di masa mendatang dapat berbeda secara material dari yang diungkapkan. Disclaimer The information presented in the Sustainability Report of PT Bank Permata Tbk (“Permata Bank” or “Bank”) includes disclosures of the Bank’s performance and strategies in economic, environmental, social, and sustainability governance aspects. This report is part of the Annual Report, which is prepared and published separately. Except for historical information, a number of disclosures in this report are included in the category of forward-looking statements as regulated by applicable laws and regulations. These statements are prospective in nature and involve risks and uncertainties, therefore actual results or conditions in the future may differ materially from those disclosed.
Page 3
Empowering Values,
Sustaining the Future
Permata Bank memperkuat nilai-nilai sosial, lingkungan,
dan tata kelola sebagai fondasi keberlanjutan yang kokoh;
tidak hanya sebagai komitmen tetapi diwujudkan melalui
manifestasi nilai-nilai tersebut ke dalam praktik bisnis,
operasional, dan tata kelola yang akuntabel. Melalui
pemberdayaan komunitas, perluasan inklusi keuangan,
serta penerapan prinsip ESG yang konsisten, setiap inisiatif
kami diwujudkan untuk memberikan kontribusi nyata dan
berkelanjutan bagi masyarakat.
Di sisi lain, strategi keberlanjutan jangka panjang kami terus
disempurnakan guna meningkatkan ketahanan dan daya
adaptasi dalam menghadapi dinamika global. Penguatan
efisiensi operasional, inovasi yang bertanggung jawab, dan
tata kelola yang transparan menjadi pilar penting dalam
menyeimbangkan pertumbuhan bisnis dengan tanggung
jawab sosial dan lingkungan. Melalui komitmen ini, kami
berperan aktif dalam membangun masa depan yang lebih
inklusif, stabil, dan berkelanjutan.
Permata Bank reinforces social, environmental, and governance values as a robust
foundation for sustainability, transcending mere commitment to be deeply embedded
within its business, operational and accountable governance practices. Through
community empowerment, the expansion of financial inclusion, and the consistent
integration of ESG principles into business processes, each initiative is designed to
deliver measurable, long-term value to society.
In parallel, we are continuously enhancing our long-term sustainability strategy to
bolster resilience and adaptability amid an evolving global landscape. By strengthening
operational efficiency, championing responsible innovation, and upholding transparent
governance, we strike a crucial balance between business growth and social and
environmental responsibilities. This integrated approach underscores our active role in
building a more inclusive, stable, and sustainable future.
2025 Sustainability Report PT Bank Permata Tbk. 1
Page 4
Daftar Isi Ikhtisar Keberlanjutan
Main Highlights
Peduli terhadap Alam
Caring for Nature
Table of Content
4 Capaian Keberlanjutan Tahun 2025
Sustainability Achievements in 2025
6 Penghargaan dan Sertifikasi
Awards and Certifications
8 Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
10 Penjelasan Direksi
Message from the Board of Directors
16 Tentang Laporan Keberlanjutan
About Sustainability Report
22 Tentang Permata Bank
About Permata Bank
50 Pengendalian Dampak Lingkungan
24 Strategi Keberlanjutan Environmental Impact Management
Sustainability Strategy
56 Pengelolaan Energi dan Emisi
Energy and Emissions Management
Pertumbuhan
Berkelanjutan Sehat dan Sejahtera
Sustainable Growth
Health and Well-being
34 Kinerja Ekonomi
Economic Performance
62 PermataBankers
38 Rencana Aksi Keuangan Berkelanjutan PermataBankers
(RAKB)
75 Keselamatan dan Kesehatan Kerja
Sustainable Finance Action Plan (RAKB)
(K3)
42 Komitmen atas Keuangan Occupational Health and Safety (OHS)
Berkelanjutan
80 Rantai Pasok yang Bertanggung
Sustainable Finance Commitment
Jawab
Responsible Supply Chain
85 Pelayanan Optimal bagi Kepuasan
Nasabah
Optimal Service for Customer
Satisfaction
93 Pemberdayaan Masyarakat untuk
Berdikari
Community Empowerment for Self-
Reliance
2 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 5
Tata Kelola
Keberlanjutan
Sustainability Governance
112 Tata Kelola Keberlanjutan
Sustainability Governance
121 Manajemen Risiko
Risk Management
130 Etika Bisnis
Business Ethics
136 Permasalahan Penerapan Keuangan
Berkelanjutan
Issues in Sustainable Finance
Implementation
138 Tantangan dan Perkembangan dari
Penerapan Tata Kelola Berkelanjutan
Challenges and Progress in
Implementing Sustainable Governance
Lampiran
Appendix
142 Verifikasi Tertulis dari Pihak
Independen
Written Verification from Independent
Party
146 Referensi POJK Nomor 51/
POJK.04/2017 dan SEOJK Nomor 16/
SEOJK.04/2021
Reference of POJK Number 51/
POJK.03/2017 and SEOJK Number 16/
SEOJK.04/2021
150 Indeks Isi Standar GRI
GRI Standards Content Index
153 Indeks SASB: Commercial Banks
SASB: Commercial Banks Content Index
155 Lembar Umpan Balik
Feedback Form
2025 Sustainability Report PT Bank Permata Tbk. 3
Page 6
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Capaian Keberlanjutan
Tahun 2025
Sustainability Achievements in 2025
Kinerja Ekonomi [B.1]
Economic Performance
Kategori Kegiatan Usaha Berkelanjutan (KKUB) Top Portofolio Pembiayaan Kategori Kegiatan
Sustainable Business Activity Category (KKUB) Financing Usaha Berwawasan Lingkungan (KUBL)
Top Portfolio of Environmentally Friendly
% Business Activities (KUBL) Financing
ua ): 5
l 5,6
8,4 34
30,1
n
An GR
u nd e (CA Energi Terbarukan
Rp %
o t Renewable Energy
mp Ra
Co owth 22,6 Triliun | Trillion YOY
G r
33,3 %
6,0 46
24,9 YOY - KKUB Pencegahan dan
12,4 16,8
Pengendalian Polusi
Prevention and
Rp %
Control of Pollution Triliun | Trillion YOY
6,4
48,2 %
YOY - KUBL
4,9 95
6,1 5,8 5,2 Pengelolaan Sumber
% KKUB
2023 2024 2025
Daya Alam Hayati
dan Penggunaan
Rp %
Terhadap Total
Portofolio
Lahan yang Triliun | Trillion YOY
% KKUB to Total Berkelanjutan
Portfolio
8,84% 14,73% 18,49% Management of Living
Natural Resources and
Sustainable Land Use
Kegiatan Usaha Berwawasan Lingkungan (KUBL) (Rp Triliun)
Environmentally Friendly Business Activities (KUBL) (IDR Trillion)
Usaha Mikro, Kecil, dan Menengah (UMKM) (Rp Triliun)
Micro, Small, and Medium Enterprises (MSMEs) (IDR Trillion)
Portofolio Hijau
Green Portfolio
Rp 544,59 2,1 Miliar | Billion
% Rp 1.591,30 195,5
Miliar | Billion YOY
%
YOY
Pembiayaan Properti Ramah Lingkungan Pembiayaan Sindikasi dengan Mekanisme Sustainability Linked-Loan
Financing for Environmentally Friendly Property Syndicated Financing with Sustainability Linked-Loan Mechanism
Rp 86,47 101,5
Miliar | Billion YOY
%
Rp 2.723,50 33,4 YOY
%
Miliar | Billion
Pembiayaan Kendaraan Listrik Segmen Konsumen Penempatan Obligasi Berkelanjutan
Electric Vehicle Financing for the Consumer Segment Sustainable Bond Placement
4 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 7
Kinerja Lingkungan [B.2]
Environmental Performance
4,07%
0,5%
Pengurangan Konsumsi Energi
58.668,74 Reduction in Energy Consumption
kWh
Konsumsi Energi Terbarukan
Renewable Energy Consumption 4,90% Penurunan Konsumsi Air*)
Reduction in Water Consumption
Pengurangan Emisi yang Dihasilkan
Reduction in Generated Emissions
*)
Data mencakup 12 gedung utama Permata Bank.
Data covers Permata Bank’s 12 main buildings.
Menerima dua sertifikasi GREENSHIP green building oleh Green Building Council Indonesia untuk gedung:
1. Gedung Permata Bank Bintaro Sektor 7 Tangerang Selatan – peringkat GOLD
2. Gedung Permata Bank Merdeka Bandung – peringkat GOLD
Certified with two GREENSHIP green building certifications from the Green Building Council Indonesia for:
1. Permata Bank Bintaro Sector 7 Building in South Tangerang – GOLD rating
2. Permata Bank Merdeka Building Bandung – GOLD rating
5.000 120 32,85
Pohon | Trees Kg
Kopi dan Gaharu telah Populasi Gajah di Area Budi Daya Madu Kelulut
ditanam Konservasi Kelulut Honey Farming Pembangunan fasilitas pendukung
Coffee and agarwood have Elephant Population in pendidikan di SDN 167/VII
been planted Conservation Areas Simeratihan berupa perpustakaan,
area serba guna dan 2 bilik toilet
Construction of educational support
Kerja sama dengan WWF-Indonesia untuk pelaksanaan konservasi habitat facilities at state-owned elementary
Gajah Sumatra di Bukit Tigapuluh Jambi melalui reforestasi, peningkatan school (SDN) 167/VII Simeratihan in
ekonomi, dan pendidikan. the form of a library, multipurpose
Collaboration with WWF-Indonesia to conserve the habitat of Sumatran Elephants area, and two toilet cubicles
through reforestation, economic improvement, and education.
Kinerja Sosial [B.3]
Social Performance
7 6.894
54,29% Orang | People
Orang | People
Jumlah Penerima Manfaat Program
Persentase Karyawan Perempuan PermataBankers dengan Disabilitas Literasi Keuangan dari Permata Hati
Percentage of Female Employees PermataBankers with Disabilities Total Beneficiaries of the Financial Literacy
Program Implemented by Permata Hati
35% 9.859
Orang | People
93,65%
Persentase Karyawan Perempuan Penerima Manfaat Beasiswa Poin Senyum Tingkat Kepuasan Penerima Manfaat
di Posisi Manajer Beneficiaries of the Smile Point Scholarship Program Permata Hati
Percentage of Female Employees Program Satisfaction Rate of the Permata Hati
in Managerial Position Program Beneficiaries
Rp 5,8
Miliar | Billion
Biaya Tanggung Jawab Sosial dan Lingkungan (TJSL)
Corporate Social and Environmental Responsibility (CSER) Cost
2025 Sustainability Report PT Bank Permata Tbk. 5
Page 8
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Penghargaan
dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
Nama Penghargaan Penyelenggara
No.
Awards Name Organizer
1. Peringkat A dalam studi Laporan Berkelanjutan 2024 Foundation for International Human Rights
A rating in the 2024 Sustainability Report study Reporting Standards (FIHRRST)
2. Juara 2 kategori Non-BUMN dan Non-BUMD Go Publik Keuangan (kluster Rp5 triliun) Komite Nasional Kebijakan Governansi (KNKG)
dalam Annual Report Awards 2024 National Committee on Governance Policy
2nd Place – Non-SOE and Non-ROE Public Financial Companies Category
(Cluster: IDR 5 Trillion) in 2024 Annual Report Awards
3. Penghargaan Great Place To Work 2025 Great Place To Work
Certified Great Place To Work 2025
Sertifikasi
Certifications
Nama Sertifikasi Lembaga Sertifikasi Masa Berlaku
No.
Certification Name Certification Institution Validity Period
1. Sertifikat ISO 27001:2013 tentang Sistem Manajemen Keamanan BSI Group 2 Mei 2023 - 1 Mei 2026
Informasi 2 May 2023 - 1 May 2026
ISO 27001:2013 Certificate on Information Security Management
System
2. Sertifikat ISO 37001:2016 tentang Sistem Manajemen Anti- BSI’s Royal Charter 20 November 2023 – 19 November 2026
Penyuapan kepada Kantor Pusat Permata Bank 20 November 2023 – 19 November 2026
ISO 37001:2016 Certificate on Anti-Bribery Management System
for Permata Bank Head Office
3. Sertifikat ISO 37001:2016 tentang Sistem Manajemen Anti- BSI’s Royal Charter 8 Desember 2023 -7 Desember 2026
Penyuapan kepada Kantor Cabang Permata Bank Bintaro 8 December 2023 - 7 December 2026
ISO 37001:2016 Certificate on Anti-Bribery Management System
for Permata Bank Bintaro Branch Office
4. Sertifikasi GREENSHIP Eksisting Building GOLD Rank Gedung Green Building Council 23 April 2025 – 23 April 2028
Bintaro Sektor 7 Tangerang Selatan Indonesia 23 April 2025 – 23 April 2028
Existing Building GREENSHIP Certification: GOLD Rank Building
Bintaro Sector 7, South Tangerang
5. Sertifikasi Ahli Pembangun Integritas Komisi Pemberantasan 5 Agustus 2025 – 5 Agustus 2028
Integrity Builder Expert Certification Korupsi (KPK) 5 August 2025 – 5 August 2028
Corruption Eradication
Commission
6 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 9
Keanggotaan Asosiasi [C.5] [2-28]
Association Membership
Nama Organisasi Status Keanggotaan
Organization Name Membership Status
• Anggota Bidang Pajak, Keuangan, dan Regulatory
Reporting
Perhimpunan Bank Nasional (Perbanas) • Anggota Bidang Hukum dan Kepatuhan
Indonesian Banks Association • Member of Tax, Finance, and Regulatory Reporting
Division
• Member of Legal and Compliance Division
• Komite Audit
• Anggota Bidang Organisasi, Keanggotaan, dan Advokasi
• Anggota Bidang Pembinaan dan Pengembangan Profesi
• Ketua Bidang Sosial
• Anggota Bidang Olahraga
Ikatan Bankir Indonesia (IBI) • Audit Committee
Indonesia Banker Institute (IBI) • Member of the Organization, Membership, and Advocacy
Division
• Member of the Professional Development and Coaching
Division
• Chairwoman of the Social Division
• Member of the Sports Division
Indonesian Corporate Secretary Association Ketua Umum
(ICSA) Chairwoman
Ketua Komite 7 -
Asosiasi Sistem Pembayaran Indonesia (ASPI)
Penguatan SDM Sistem Pembayaran
Indonesian Payment System Association
Chairman of Committee 7 -
Strengthening Human Resources for Payment Systems
Lembaga Alternatif Penyelesaian Sengketa
Perbankan Indonesia (LAPSPI) Anggota
Indonesian Institute for Alternative Banking Member
Dispute Resolution
Forum Komunikasi Direktur Kepatuhan
Perbankan (FKDKP)
Ketua Bidang Pelatihan
Communication Forum of Banking Compliance
Head of the Training Division
Directors
2025 Sustainability Report PT Bank Permata Tbk. 7
Page 10
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Ikhtisar Kinerja
Keberlanjutan
Sustainability Performance Highlights
Kinerja Ekonomi [B.1]
Economic Performance
Satuan
Uraian 2025 2024 2023 Description
Unit
Kinerja Internal | Internal Performance
Pendapatan Operasional 12.556.774 12.083.329*) 11.950.724*) Operating Income
Laba Bersih Rp Juta 3.587.535 3.566.519 2.585.218 Net Income
Penyaluran Kredit – Total IDR Million 164.238.912 155.754.180 142.978.156 Loan Disbursement - Total
Dana Pihak Ketiga 193.025.578 185.843.453 188.586.562 Third Party Funds
Jenis Produk yang Memenuhi Kriteria Kegiatan Usaha Berkelanjutan | Types of Products that Meet the Criteria for Sustainable Business Activities
Penyaluran Kredit – UMKM 5.209.438 5.786.373 6.070.869 Loan Disbursement - MSMEs
Jumlah Portofolio Pembiayaan Rp Juta 30.138.391 22.600.382 12.444.254 Total Sustainable Business Activity
Kategori Kegiatan Usaha IDR Million Category (KKUB) Financing Portfolio
Berkelanjutan (KKUB)
Persentase Jumlah Portofolio KKUB 18,49 14,73 8,84 Percentage of the Sustainable
%
terhadap Total Kredit Business Activities Category
Persentase Jumlah Portofolio KKUB terhadap Total Kredit | Percentage of the Sustainable Business Activities Category Portfolio to Total Loans
a. Penghimpunan Dana N/A N/A N/A a. Funding
%
b. Penyaluran Dana 18,49 14,73 8,84 b. Lending
Nilai Pengadaan Barang dan Jasa Rp Miliar 4.769 4.842*) 4.130*) Value of Goods and Services
atas Pemasok Lokal IDR Billion Procurement from Local Suppliers
Keterangan | Note:
*)
Pernyataan ulang yang disebabkan oleh reklasifikasi
Restatement due to reclassification
Kinerja Lingkungan [B.2]
Environmental Performance
Satuan
Uraian 2025 2024 2023 Description
Unit
Kinerja Internal | Internal Performance
Penggunaan Energi GJ 101.434,13 106.578,92 109.020,02 Energy Consumption
Pengurangan Emisi (Cakupan 1, 2, Ton CO2eq 1.247,75 799,72 (12.650,00)*) Emission Reduction (Scope 1, 2, and 3)
dan 3)
Intensitas Emisi Ton CO2eq/ 3,53 3,64 3,53 Emission Intensity
karyawan
Ton CO2eq/
employee
Jumlah Pengurangan (Penambahan) Ton (9,38) (3,25) 1,01 Total Paper Use Reduction (Addition)
Penggunaan Kertas Tons
Penggunaan Air m3 48.943 49.169 86.750 Water Consumption
Kegiatan Pengelolaan Lingkungan | Environmental Stewardship Activities
Realisasi Biaya Pengelolaan Rp Juta 123,92**) 182,81**) 193,63**) Realization of Environmental
Lingkungan IDR Million Management Cost
Keterangan | Notes:
*)
Perhitungan emisi GRK cakupan 3 baru dilakukan di tahun 2023, sehingga terjadi peningkatan signifikan pada emisi yang dihasilkan.
Scope 3 GHG emissions calculations were only conducted in 2023, resulting in a significant increase in emissions.
**)
Data berdasarkan 12 cabang
Data based on 12 branches
8 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 11
Kinerja Sosial [B.3]
Social Performance
Satuan
Uraian 2025 2024 2023 Description
Unit
Kinerja Internal | Internal Performance
Karyawan Perempuan dibandingkan % 54,29 54,56 54,68 Total Female Employees to Total
Total Karyawan Employees
Persentase Perempuan Posisi Manajer % 35 34 49 Percentage of Female in Managerial
ke Atas Positions and Above
Jumlah Karyawan Disabilitas Orang 7 16 18 Number of Employees with Disabilities
People
Rata-rata Jam Pelatihan Jam/Orang Average Training Hours
- Laki-laki Hours/Person 56,9 63,7 51,0 - Male
- Perempuan 96,3 75,9 57,0 - Female
Tingkat Penyelesaian Keluhan % 98,3 100,0 99,9 Customer Complaint Settlement Rate
Nasabah
Kegiatan Tanggung Jawab Sosial | Social Responsibility Activities
Jumlah Dana Tanggung Jawab Sosial Rp Juta 5.800 5.952 3.450 Total Corporate Social Responsibility
IDR Million Funds
2025 Sustainability Report PT Bank Permata Tbk. 9
Page 12
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Penjelasan
Direksi [D.1] [2-22]
Message from the Board of Directors
Meliza
Musa Rusli
Direktur Utama
President Director
10 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 13
“Permata Bank memperluas perannya dalam
mendukung sektor berwawasan lingkungan
melalui pendekatan risiko dan pembiayaan
yang lebih terukur sepanjang 2025,
sejalan dengan meningkatnya kebutuhan
pembiayaan untuk mendorong transisi
menuju ekonomi rendah karbon.”
“Permata Bank expanded its role in supporting environmentally
friendly sectors through a more measurable risk and financing
approach throughout 2025, in line with rising financing needs to drive
the transition towards a low carbon economy.”
Pemangku kepentingan yang terhormat, Dear respected stakeholders,
Sepanjang 2025, Permata Bank terus memperkuat Throughout 2025, Permata Bank continued to
perannya sebagai institusi keuangan yang strengthen its role as a financial institution that
mengintegrasikan prinsip keberlanjutan ke dalam integrates sustainability principles into business
strategi bisnis dan pengambilan keputusan. strategy and decision-making. In response to
Dengan mencermati dinamika risiko dan peluang increasingly complex risk and business opportunity
usaha yang semakin kompleks, Bank fokus pada dynamics, the Bank focused on strengthening
upaya penguatan pembiayaan sesuai prinsip financing aligned with sustainable finance
keuangan berkelanjutan, pengembangan solusi principles, developing financial solutions that
keuangan yang mendukung transisi ekonomi, support the economic transition, and managing
serta pengelolaan risiko iklim. Integrasi aspek climate risk. The integration of Environmental,
Lingkungan, Sosial, dan Tata Kelola (LST) dalam Social, and Governance (ESG) aspects into
kegiatan usaha, yang sejalan dengan arah business activities, aligned with the Sustainable
pencapaian Tujuan Pembangunan Berkelanjutan Development Goals (SDGs), was carried out through
(TPB), dilakukan melalui perluasan pembiayaan the expansion of inclusive financing and support for
inklusif, serta dukungan terhadap upaya penurunan emission reduction efforts in the Bank’s operations.
emisi dalam operasional Bank.
2025 Sustainability Report PT Bank Permata Tbk. 11
Page 14
Ikhtisar
Keberlanjutan
Sustainability
Highligths
STRATEGI DAN KEBIJAKAN DALAM MERESPONS STRATEGY AND POLICIES IN RESPONDING TO
TANTANGAN KEBERLANJUTAN SUSTAINABILITY CHALLENGES
Perkembangan isu keberlanjutan yang semakin memengaruhi The growing influence of sustainability issues on economic
stabilitas ekonomi dan sistem keuangan mendorong Permata stability and the financial system has led Permata Bank to position
Bank untuk menjadikan keberlanjutan sebagai tujuan strategis sustainability as a strategic objective in safeguarding long-term
dalam menjaga ketahanan bisnis jangka panjang. Perubahan business resilience. Climate change, social dynamics, and rising
iklim, dinamika sosial, serta meningkatnya ekspektasi regulator expectations from regulators and stakeholders present risks as
dan pemangku kepentingan menghadirkan risiko, sekaligus well as opportunities that require a measured and integrated
peluang yang perlu direspons secara terukur dan terintegrasi response in decision-making.
dalam pengambilan keputusan.
Menjawab tantangan tersebut, sepanjang 2025 Permata Bank To address these challenges, throughout 2025 Permata Bank
menegaskan arah kebijakan keberlanjutan dengan memperkuat reinforced its sustainability policy direction by strengthening
integrasi aspek LST ke dalam strategi, tata kelola, dan budaya the integration of ESG aspects into strategy, governance, and
organisasi. Penguatan ini diwujudkan melalui internalisasi nilai- organizational culture. This strengthening was implemented
nilai keberlanjutan ke dalam budaya dan nilai utama I-PRICE yang through the internalization of sustainability values into the culture
mencakup Integrity, Partnership, Responsiveness, Innovation, and core I-PRICE values (Integrity, Partnership, Responsiveness,
Caring, dan Excellence sebagai pedoman perilaku seluruh Innovation, Caring, and Excellence) as the behavioral guide for
PermataBankers, sehingga prinsip keberlanjutan tercermin dalam all PermataBankers, ensuring that sustainability principles are
cara Bank menjalankan kegiatan usahanya dan berinteraksi reflected in how the Bank conducts its business and engages with
dengan pemangku kepentingan. stakeholders.
Dari sisi kebijakan, Bank memperkuat kerangka keuangan From a policy perspective, the Bank strengthened its sustainable
berkelanjutan sebagai acuan strategis, dengan fokus pada finance framework as a strategic reference, focusing on improving
peningkatan kualitas portofolio pembiayaan berkelanjutan, the quality of its sustainable financing portfolio, developing
pengembangan solusi keuangan yang mendukung transisi financial solutions that support the transition to a low-carbon
ekonomi rendah karbon, serta pengelolaan risiko iklim secara economy, and managing climate risk in a more structured manner.
lebih terstruktur. Tantangan perubahan iklim dipandang tidak Climate change is viewed not only as an environmental issue, but
hanya sebagai isu lingkungan, tetapi juga sebagai sumber risiko also as a source of financial risk that can affect asset quality, the
finansial yang dapat memengaruhi kualitas aset, profil risiko, dan risk profile, and the Bank’s long-term resilience.
ketahanan Bank dalam jangka panjang.
Sebagai bagian dari penguatan kebijakan pengelolaan risiko, As part of strengthening risk management policies, Permata
Permata Bank mengembangkan Climate Risk Management Bank developed the bottom-up Climate Risk Management and
& Scenario Analysis (CRMS) secara bottom-up untuk Scenario Analysis (CRMS) to identify the impacts of climate
mengidentifikasi dampak risiko iklim terhadap portofolio risk on the financing portfolio. This assessment indicates that
pembiayaan. Kajian ini menunjukkan bahwa sektor-sektor carbon-intensive sectors have higher vulnerability to physical
intensif karbon memiliki kerentanan yang lebih tinggi terhadap and transition risks, which may affect credit performance. The
risiko fisik dan risiko transisi, yang berpotensi memengaruhi assessment results serve as a basis for the Bank to improve
kinerja kredit. Hasil kajian tersebut menjadi dasar bagi Bank data quality, measurement methodologies, and human capital
untuk meningkatkan kualitas data, metodologi pengukuran, serta capabilities, so that climate risk management becomes more
kapabilitas sumber daya manusia, sehingga pengelolaan risiko credible and can be integrated into decision-making.
iklim dapat dilakukan secara lebih kredibel dan terintegrasi ke
dalam proses pengambilan keputusan.
Permata Bank juga menghadapi tantangan dalam mengadopsi Permata Bank also faces challenges in adopting sustainability
pengungkapan keberlanjutan dan iklim dengan standar global and climate disclosures under increasingly comprehensive
yang semakin komprehensif. Pengungkapan ini menuntut global standards. These disclosures require the Bank to identify
kemampuan Bank untuk mengidentifikasi dan menghitung risiko and quantify sustainability- and climate-related risks and
serta peluang keberlanjutan dan iklim secara lebih terpercaya opportunities with greater reliability and transparency. To respond
dan transparan. Untuk merespons tantangan tersebut, Permata to these challenges, Permata Bank continued to strengthen
Bank terus memperkuat kapasitas internal melalui pelatihan rutin internal capacity through periodic training and systematic cross-
dan meningkatkan koordinasi lintas fungsi secara sistematis. functional coordination.
12 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 15
PENERAPAN KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE IMPLEMENTATION
Permata Bank melanjutkan penguatan penerapan keuangan Permata Bank continued to strengthen sustainable finance
berkelanjutan sebagai bagian dari strategi pertumbuhan yang implementation as part of a balanced growth strategy between
berimbang antara kinerja bisnis dan tanggung jawab LST. Bank business performance and ESG responsibilities. The Bank will
akan meneruskan pengembangan usaha dengan fokus pada continue to develop its business with a focus on quality growth
kualitas pertumbuhan yang selaras dengan prinsip kehati-hatian, aligned with prudential principles, risk management, and long-
pengelolaan risiko, serta penciptaan nilai jangka panjang bagi term value creation for all stakeholders.
seluruh pemangku kepentingan.
Dari sisi kinerja ekonomi, hingga akhir 2025 total kredit yang From an economic performance perspective, as of the end of
disalurkan Permata Bank mencapai Rp164,24 triliun, meningkat 2025 total loans disbursed by Permata Bank reached IDR 164.24
dibandingkan tahun sebelumnya. Pendapatan operasional trillion, increasing compared to the previous year. Operating
tercatat sebesar Rp12,55 triliun, naik dari Rp12,08 triliun income was recorded at IDR 12.55 trillion, up from IDR 12.08 trillion
pada 2024, sementara laba bersih mencapai Rp3,59 triliun, in 2024, while net profit reached IDR 3.59 trillion, reflecting stable
menunjukkan kinerja yang stabil di tengah dinamika kondisi performance amid evolving global economic conditions. Growth
perekonomian global. Pertumbuhan ditopang oleh penguatan was supported by selective loan disbursement, improved asset
penyaluran kredit yang selektif, peningkatan kualitas aset, serta quality, and sound management of third-party funds totaling
pengelolaan dana pihak ketiga yang mencapai Rp193,03 triliun. IDR 193.03 trillion.
Dalam mendukung agenda keuangan berkelanjutan, Permata In supporting the sustainable finance agenda, Permata Bank
Bank mencatat pertumbuhan signifikan pada portofolio recorded significant growth in its Sustainable Business Activities
pembiayaan Kategori Kegiatan Usaha Berkelanjutan (KKUB). Category (KKUB) financing portfolio. As of the end of 2025, the
Hingga akhir 2025, total portofolio KKUB mencapai Rp30,1 triliun, total KKUB portfolio reached IDR 30.1 trillion, increasing by 33.3%
meningkat 33,3% dibandingkan tahun sebelumnya, dengan compared to the prior year, with the main contribution coming
kontribusi utama berasal dari pembiayaan Kegiatan Usaha from Environmentally Friendly Business Activities (KUBL) financing
Berwawasan Lingkungan (KUBL) sebesar Rp24,9 triliun. Portofolio of IDR 24.9 trillion. This portfolio represented 18.49% of the Bank’s
tersebut setara dengan 18,49% dari total kredit Bank, meningkat total loans, up from 14.73% in 2024.
dibandingkan 14,73% pada 2024.
Sepanjang 2025, pembiayaan KUBL difokuskan pada sektor- Throughout 2025, KUBL financing focused on sectors that deliver
sektor yang memberikan dampak lingkungan positif, seperti energi positive environmental impacts, such as renewable energy,
terbarukan, pengendalian polusi, pengelolaan keanekaragaman pollution prevention and control, sustainable management of
hayati dan penggunaan lahan berkelanjutan, transportasi ramah biodiversity and land use, environmentally friendly transportation,
lingkungan, serta bangunan berwawasan lingkungan. Penguatan and green buildings. This strengthening of the green portfolio was
portofolio hijau ini didukung oleh pembiayaan kendaraan listrik, supported by electric vehicle financing, environmentally friendly
properti ramah lingkungan, pembiayaan sindikasi dengan property financing, syndicated financing under sustainability-
mekanisme sustainability-linked loan, serta penempatan dana linked loan mechanisms, and placements in sustainable bond
pada instrumen obligasi berkelanjutan. Bank juga menyalurkan instruments. The Bank also provided MSME financing of IDR 5.2
pembiayaan kepada Usaha Mikro, Kecil, dan Menengah (UMKM) trillion to expand financial access and support more inclusive
sebesar Rp5,2 triliun guna memperluas akses layanan keuangan economic growth.
dan mendorong pertumbuhan ekonomi yang lebih merata.
Dalam aspek operasional, Permata Bank memperkuat Operationally, Permata Bank strengthened environmentally
penerapan praktik ramah lingkungan melalui efisiensi energi friendly practices through energy efficiency and emissions
dan pengurangan emisi. Implementasi penggantian lampu LED, reduction. The implementation of LED replacement programs,
pengaturan sistem pendingin ruangan, kampanye hemat energi, optimization of air-conditioning systems, energy-saving
serta penguatan budaya keberlanjutan mendorong penurunan campaigns, and the strengthening of sustainability culture
emisi cakupan 1 dan 2 sebesar 4,90% dibandingkan 2024. Upaya reduced Scope 1 and Scope 2 emissions by 4.90% compared to
ini menjadi bagian dari langkah Bank dalam mencapai target 2024. These efforts form part of the Bank’s pathway to achieving
net zero emission (NZE), yaitu NZE cakupan 1 dan 2 dari aktivitas Net Zero Emissions (NZE), namely NZE for operational Scope 1
operasional pada 2030, serta NZE dari aktivitas pembiayaan and Scope 2 by 2030, and NZE for financing activities by 2052. In
pada 2052. Di 2025, Permata Bank juga memperoleh dua 2025, Permata Bank also obtained two GREENSHIP certifications
sertifikasi GREENSHIP dengan peringkat GOLD dari Green at GOLD level from Green Building Council Indonesia for the
Building Council Indonesia untuk Gedung Permata Bank Bintaro Permata Bank Bintaro Sector 7 building in South Tangerang
Sektor 7 Tangerang Selatan dan Gedung Permata Bank Merdeka and the Permata Bank Merdeka building in Bandung. This
Bandung, yang menegaskan upaya Bank dalam meningkatkan achievement underscores the Bank’s efforts to enhancing green
standar bangunan hijau dan efisiensi operasional. building standards and operational efficiency.
2025 Sustainability Report PT Bank Permata Tbk. 13
Page 16
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Permata Bank juga mencatat sejumlah capaian dalam hal Permata Bank also recorded a number of environmental and
lingkungan dan sosial sepanjang 2025. Dari sisi kontribusi social achievements throughout 2025. In terms of environmental
terhadap lingkungan, Bank mendukung pelestarian contribution, the Bank supported biodiversity conservation
keanekaragaman hayati melalui penanaman 5.000 pohon through the planting of 5,000 trees as part of efforts to preserve
sebagai bagian dari upaya menjaga habitat gajah di kawasan elephant habitats in the Bukit Tigapuluh area, Jambi. From a
Bukit Tigapuluh, Jambi. Dari aspek sosial, Bank telah menjalankan social perspective, the Bank delivered financial literacy programs
program literasi keuangan yang menjangkau 6.894 penerima reaching 6,894 beneficiaries during 2025. In addition, employee
manfaat sepanjang 2025. Selain itu, keterlibatan karyawan engagement through the Employee Volunteer (EVO) program
melalui program Employee Volunteer (EVO) juga semakin kuat, continued to strengthen, with a total of 3,720 participations by
dengan total 3.720 partisipasi PermataBankers dalam berbagai PermataBankers in various environmental conservation and
aktivitas pelestarian lingkungan dan pemberdayaan masyarakat community empowerment activities across different regions.
di berbagai wilayah.
Di sisi tata kelola pembiayaan, Permata Bank mengintegrasikan In financing governance, Permata Bank integrates ESG aspects
aspek LST secara menyeluruh ke dalam proses bisnis, khususnya into its business processes, particularly within credit approval.
dalam persetujuan kredit. Penerapan penilaian risiko lingkungan The application of environmental and social risk assessments,
dan sosial, pemenuhan dokumen lingkungan hidup, serta fulfillment of environmental documentation requirements, and
penggunaan taksonomi keuangan berkelanjutan Indonesia, the use of Indonesia’s sustainable finance taxonomy serve as
menjadi dasar pengambilan keputusan pembiayaan, guna key bases for financing decisions, ensuring alignment between
memastikan keselarasan antara pertumbuhan portofolio dan portfolio growth and sustainability risk management.
pengelolaan risiko keberlanjutan.
Selain itu, Bank terus memperkuat digitalisasi sebagai bagian In addition, the Bank continued to strengthen digitalization as
dari peningkatan layanan perbankan yang terus-menerus. part of ongoing improvements in banking services. Increased
Peningkatan adopsi layanan digital tidak hanya memperluas adoption of digital services not only expanded public access to
akses masyarakat terhadap layanan keuangan, tetapi juga financial services but also contributed to operational efficiency
berkontribusi pada efisiensi operasional dan pengurangan and reduced environmental impacts. As of the end of 2025, the
dampak lingkungan. Hingga akhir 2025, jumlah pengguna number of digital service users increased by around 10%, with
layanan digital meningkat sekitar 10%, dengan volume transaksi transaction volume through Permata ME reaching IDR 234 trillion,
melalui Permata ME mencapai Rp234 triliun, didukung oleh supported by an 83% increase in QRIS transactions compared to
peningkatan transaksi QRIS sebesar 83% dibandingkan periode the previous year.
tahun lalu.
Penguatan penerapan keuangan berkelanjutan juga tercermin The strengthening of sustainable finance implementation is also
dari pengakuan eksternal yang diterima Perseroan sepanjang reflected in external recognition received during the reporting
periode pelaporan. Pada 2025, Permata Bank memperoleh period. In 2025, Permata Bank received an A rating in the 2024
Peringkat A dalam Studi Laporan Keberlanjutan 2024 yang Sustainability Report Study conducted by the Foundation for
diselenggarakan oleh Foundation for International Human Rights International Human Rights Reporting Standards (FIHRRST), and
Reporting Standards (FIHRRST), serta meraih Juara 2 kategori achieved 2nd place in the Non-SOE and Non-Regional SOE Public
Non-BUMN dan Non-BUMD Go Publik Sektor Keuangan dalam Financial Sector category at the Annual Report Award (ARA) 2024
ajang Annual Report Award (ARA) 2024 yang diselenggarakan organized by the National Committee on Governance Policy
oleh Komite Nasional Kebijakan Governansi (KNKG). Prestasi (KNKG). These achievements further motivate the Bank to continue
ini menjadikan kami untuk lebih meningkatkan kualitas dalam improving the quality of its sustainable finance implementation.
menerapkan keuangan berkelanjutan.
STRATEGI PENCAPAIAN TARGET TARGET ACHIEVEMENT STRATEGY
Pada 2025, Permata Bank fokus pada strategi peningkatan In 2025, Permata Bank focused on strategies to strengthen human
kapasitas sumber daya manusia dan pengelolaan portofolio capital capacity and manage the loan portfolio in line with the
kredit sesuai dengan Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan (RAKB). The five-year targets
(RAKB). Target lima tahunan yang tertulis dalam RAKB menjadi set out in the RAKB serve as the reference for implementing
acuan dalam menjalankan kegiatan keuangan berkelanjutan. sustainable finance activities. Progress against the RAKB is
Hasil capaian RAKB setiap tahun disampaikan kepada Otoritas reported annually to the Financial Services Authority together
Jasa Keuangan bersama dengan rencana bisnis bank. with the Bank’s business plan.
14 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 17
Peluang dan prospek usaha perbankan ke depan tetap menjadi Future banking opportunities and business prospects remain key
salah satu penopang perekonomian nasional. Dinamika yang pillars supporting the national economy. Increasing dynamics
semakin besar menuntut pengembangan usaha yang lebih require more deliberate business development, including support
cermat, termasuk dalam mendukung sektor-sektor ‘Second for sectors under the Second Nationally Determined Contribution
Nationally Determined Contribution’ (SNDC) yang krusial untuk (SNDC) that are critical to achieving Indonesia’s 2060 net zero
mencapai target emisi nol bersih 2060, yaitu pertanian dan target, namely agriculture and forestry (AFOLU), manufacturing/
kehutanan (AFOLU), manufaktur/IPPU, pengolahan limbah, IPPU, waste management, construction, and transportation.
konstruksi, dan transportasi. Melalui strategi kerja sama dengan Through collaboration with various parties, risk and opportunity
berbagai pihak, perhitungan risiko dan peluang, serta kehati- assessment, and prudence, Permata Bank will seek to increase its
hatian, Permata Bank akan berupaya meningkatkan portofolio di portfolio in these priority sectors while considering external factors,
sektor prioritas ini dengan mempertimbangkan faktor eksternal, including regulatory changes and stakeholder expectations.
termasuk perubahan berbagai regulasi dan tekanan pemangku
kepentingan.
APRESIASI APPRECIATION
Keberhasilan Permata Bank dalam mengimplementasikan Permata Bank’s achievements in implementing sustainability
berbagai inisiatif keberlanjutan tidak terlepas dari keterlibatan initiatives are supported by the active engagement and trust
aktif dan kepercayaan yang diberikan oleh para pemangku of stakeholders. Support from customers, business partners,
kepentingan. Dukungan dari nasabah, mitra usaha, regulator, regulators, investors, and all PermataBankers remains an
investor, serta seluruh PermataBankers menjadi fondasi penting essential foundation in maintaining alignment between business
dalam menjaga kesinambungan antara kinerja bisnis dan performance and ESG implementation.
penerapan prinsip LST.
Permata Bank akan terus memanfaatkan sinergi yang terbangun Permata Bank will continue to leverage stakeholder synergies as
dengan para pemangku kepentingan sebagai penggerak utama a key driver in strengthening sustainability implementation across
dalam memperkuat penerapan keberlanjutan di seluruh lini bisnis. all business lines. By prioritizing a balance between economic
Dengan mengedepankan keseimbangan antara penciptaan nilai value creation, risk management, and social and environmental
ekonomi, pengelolaan risiko, dan dampak sosial lingkungan, impacts, the Bank ensures that each strategic step delivers
Bank memastikan setiap langkah strategis memberikan meaningful long-term contributions to society and the national
kontribusi jangka panjang yang bermakna bagi masyarakat dan economy.
perekonomian nasional.
Jakarta, Maret 2026
Jakarta, March 2026
Meliza Musa Rusli
Direktur Utama
President Director
2025 Sustainability Report PT Bank Permata Tbk. 15
Page 18
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Tentang Laporan
Keberlanjutan
About Sustainability Report
Permata Bank menerbitkan Laporan Keberlanjutan secara Permata Bank publishes Sustainability Report annually. The 2025
tahunan. Laporan Keberlanjutan 2025 mencakup data dan Sustainability Report covers data and information for the reporting
informasi untuk periode pelaporan 1 Januari hingga 31 Desember period from 1 January to 31 December 2025, and includes the
2025, disertai dengan penyajian data historis tertentu selama presentation of certain historical data from the previous three
tiga tahun. Laporan ini merupakan kelanjutan dari laporan years. This report is a continuation of the sustainability reports
keberlanjutan yang telah diterbitkan pada periode sebelumnya di published in prior periods, most recently on 12 March 2025. All
tanggal 12 Maret 2025. Seluruh data finansial dan non-finansial financial and non-financial data presented in this report are
yang disajikan dalam laporan ini berasal dari aktivitas Permata derived from the activities of Permata Bank, as the Bank does not
Bank, mengingat tidak terdapat entitas anak maupun perusahaan have any subsidiaries or jointly owned venture companies. [2-2]
ventura bersama yang dimiliki oleh Bank. [2-2][2-3] [2-3]
Ketentuan dan standar yang digunakan dalam penyusunan The provisions and standards applied in the preparation of this
laporan ini meliputi Peraturan Otoritas Jasa Keuangan (POJK) No. report include Financial Services Authority Regulation (POJK) No.
51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan 51/POJK.03/2017 on the Implementation of Sustainable Finance
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik for Financial Services Institutions, Issuers, and Public Companies,
serta Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 16/ as well as Financial Services Authority Circular Letter (SEOJK) No.
SEOJK.04/2021 mengenai Bentuk dan Isi Laporan Tahunan 16/SEOJK.04/2021 concerning the Form and Content of Annual
Emiten atau Perusahaan Publik. Laporan juga disusun dengan Reports of Issuers or Public Companies. This report has also been
merujuk (with reference) pada Standar Global Reporting prepared with reference to the Global Reporting Initiative (GRI)
Initiative (GRI), Sustainability Accounting Standards Board (SASB) Standards, the Sustainability Accounting Standards Board (SASB)
Standards: Commercial Banks, serta penerapan awal Standar Standards: Commercial Banks, and early adoption of IFRS S1 and
IFRS S1 dan S2. Terdapat pengungkapan kembali pada data atau S2. There is restatement of data or information in this Report. [2-4]
informasi dalam Laporan ini. [2-4]
Melalui proses tata kelola internal, Laporan Keberlanjutan ini telah Through internal governance processes, this Sustainability Report
dikonfirmasi oleh para kontributor data dan pejabat dari unit kerja has been confirmed by data contributors and officials from the
terkait, sebelum ditelaah dan disetujui oleh Direksi. Selanjutnya, relevant work units, prior to being reviewed and approved by
laporan ini menjalani proses penjaminan (assurance) oleh pihak the Board of Directors. Subsequently, this report underwent an
independen eksternal, yang dipilih tanpa benturan kepentingan assurance process conducted by an independent external party,
dan dengan persetujuan pejabat berwenang. Proses penjaminan which was appointed without any conflict of interest and with the
dilakukan dengan mengacu pada Standar AA1000 tipe 1 untuk approval of the authorised officials. The assurance process was
keseluruhan laporan dan tipe 2 untuk topik “Keamanan Produk carried out in accordance with the AA1000 Assurance Standard,
dan data serta Privasi Nasabah” serta “Pengelolaan Lingkungan Type 1 for overall reports and type 2 for “Product and Data Security,
dan Perubahan Iklim”, level moderate. [G.1][2-5] and Customer Privacy” and “Environmental Management and
Climate Change” topics, moderate level. [G.1][2-5]
16 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 19
Tanggapan terhadap Umpan Balik [G.3]
Response to Feedback
Sepanjang periode pelaporan 2025, Permata Bank menerima Throughout the 2025 reporting period, Permata Bank received
saran untuk terus meningkatkan kualitas laporan keberlanjutan, feedbacks to continue improving the quality of its sustainability
terutama dalam mengungkapkan hasil kinerja yang terukur. Kami reports, particularly in disclosing measurable performance
menanggapi saran ini dengan menyampaikan informasi yang results. We responded to these feedbacks by providing more
lebih komprehensif dan relevan, termasuk penguatan informasi comprehensive and relevant information, including strengthened
keberlanjutan yang berdampak pada kinerja dan ketahanan on sustainability information which impact the Bank’s performance
bisnis Bank. and business resilience.
Permata Bank membuka ruang bagi penyampaian saran, This Sustainability Report 2025 provides channels for the
tanggapan, dan pertanyaan untuk Laporan Keberlanjutan 2025 submission suggestions, feedback, and enquiries regarding this
melalui: Report through:
Kontak terkait Laporan Keberlanjutan [2-3]
Contact about the Sustainability Report
PT Bank Permata Tbk
Kantor Pusat, Gedung World Trade Center (WTC) II
Head Office, World Trade Center (WTC) II Building
Jl. Jend. Sudirman Kav. 29-31, Jakarta 12920
Katharine Grace
Sekretaris Perusahaan | Corporate Secretary
Telp. | Phone: (021) 523 7788
Surel | E-mail: corporate.secretary@permatabank.co.id
2025 Sustainability Report PT Bank Permata Tbk. 17
Page 20
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Pendekatan Penentuan Topik Material [3-1][3-2]
Approach for Determining Material Topics
Permata Bank menerapkan pendekatan materialitas ganda Permata Bank applies a double materiality assessment (DMA)
melalui focus group discussion (FGD) yang melibatkan fungsi- approach through focus group discussion (FGD) involving
fungsi internal di Perusahaan yang merepresentasikan para relevant internal functions within the Company that represent the
pemangku kepentingan. Perusahaan turut melibatkan pihak stakeholders. The assessment is also attended by external parties
eksternal sebagai tim ahli dalam proses asesmen. Asesmen acting as expert advisors. The process includes:
dilakukan melalui beberapa tahapan, yakni:
1. Peninjauan kembali topik material tahun sebelumnya; 1. Review of the previous year’s material topics;
2. Identifikasi isu-isu signifikan pada tahun 2025; 2. Identification of significant issues in 2025;
3. Penilaian tingkat signifikansi materialitas dampak dan 3. Assessment of both impact materiality and financial
materialitas finansial untuk setiap topik dari skala 1 sampai 4; materiality for each topic in scale of 1 to 4;
4. Penyesuaian kembali terhadap topik material prioritas oleh 4. Readjustment of priority material topics by Permata Bank
tim internal Permata Bank. internal team.
Pada Laporan Keberlanjutan 2025, terdapat penyesuaian The 2025 Sustainability Report reflects changes to the material
terhadap topik material dibandingkan tahun sebelumnya. topics compared to the previous year. All material topics presented
Seluruh topik material yang diungkapkan dalam Laporan ini telah in this Report have been approved by the Board of Directors.
memperoleh persetujuan Direksi.
Metriks Dampak Materialitas dan Finansial
Impact and Financial Materiality Metrics
3,5
Keamanan Produk dan data serta Privasi
Nasabah
3 Product and Data Security, and Customer
Privacy
Materialitas Dampak
2,5 Inovasi Produk Keuangan Berkelanjutan dan
Impact Materiality
Pengembangan Teknologi
Sustainable Finance Product Innovation and
2 Technology Development
Pengelolaan Lingkungan dan Perubahan Iklim
1,5 Environmental Management and Climate
Change
1 Literasi Keuangan
Financial Literacy
0,5 Pelatihan dan Pengembangan Karyawan
Employee Training and Development
0
0 0,5 1 1,5 2 2,5 3 3,5 4
Materialitas Finansial
Financial Materiality
18 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 21
Keterangan | Notes:
Tinggi | High
Sedang-Tinggi | Medium-High
Sedang | Medium
Tingkat Impact Materiality Tingkat Financial Materiality
Impact Materiality Level Financial Materiality Level
Topik Material
Material Topics
Positif Negatif Risiko Peluang
Positive Negative Risk Chance
Keamanan Produk
dan Data, serta Privasi Peningkatan kepercayaan Kerentanan sistem Penipuan dan potensi Menambah jumlah nasabah,
Nasabah pemangku kepentingan, keamanan, gangguan kebocoran menjadi kerugian jumlah transaksi, serta
Product and Data tingkat loyalitas, reputasi operasional, atau kebocoran finansial, dan sanksi regulasi volume transaksi.
Security, and Customer perusahaan, serta keyakinan data, kompetensi yang bagi bank. Increase the number of
Privacy investor terhadap kinerja lebih kompleks dan waktu Fraud and potential leaks customers, number of
dan tata kelola perusahaan. pengerjaan lebih panjang. can result in financial losses transactions, and transaction
Increased stakeholder trust, Security system and regulatory sanctions for volume.
loyalty levels, corporate vulnerabilities, operational banks.
reputation, and investor disruptions, or data leaks,
confidence in corporate more complex competencies
performance and and longer turnaround times.
governance.
Inovasi Produk
Keuangan Berkelanjutan Integrasi aspek LST dalam Penurunan reputasi, Risiko produk tidak Pengembangan produk
dan Pengembangan praktik bisnis, meningkatkan meningkatnya tekanan relevan akibat perubahan keuangan berkelanjutan dan
Teknologi kesadaran nasabah dari investor, potensi regulasi yang cepat, serta pengembangan teknologi.
Sustainable Finance mengenai keberlanjutan, ketidakpatuhan terhadap ketidakpastian kondisi pasar. Sustainable financial
Product Innovation serta mendukung nasabah regulasi serta stabilitas Product risks become product development and
and Technology dalam transisi. portofolio pembiayaan. irrelevant due to rapid technology development.
Development Integrating ESG aspects Deterioration of reputation, regulatory changes, as well
into business practices, increased pressure from as market conditions.
increasing customer investors, potential non-
awareness of sustainability, compliance with regulations
and supporting customers in and stability of financing
the transition. portfolios.
Pengelolaan
Lingkungan dan Mencapai NZE Operational Terdapat potensi terjadinya Membutuhkan biaya Meningkatkan resiliensi
Perubahan Iklim 2030, dan NZE Financing greenwashing apabila operasional yang lebih besar operasional dan bisnis bank,
Environmental 2052 yang berdampak klaim keberlanjutan tidak Dampak perubahan iklim membuka peluang finansial
Management and positif terhadap reputasi didukung oleh data, bukti, juga berisiko pada kualitas untuk perluasan akses
Climate Change perusahaan dan menarik dan implementasi yang portofolio kredit sektor yang pendanaan hijau, serta
investor. memadai. Risiko ini dapat rentan terhadap perubahan peningkatan kepercayaan
Achieving NZE Operational menurunkan kepercayaan iklim. investor.
2030, and NZE Financing publik dan kredibilitas Requires greater operational Improving the operational
2052 which has a positive perusahaan. costs. The impact of climate and business resilience of
impact on the company’s There is potential change also poses a risk to banks, opening up financial
reputation and attracts for greenwashing if the quality of credit portfolios opportunities for expanding
investors. sustainability claims are in sectors vulnerable to access to green financing,
not supported by adequate climate change. and increasing investor
data, evidence, and confidence.
implementation. This risk can
undermine public trust and
the company’s credibility.
2025 Sustainability Report PT Bank Permata Tbk. 19
Page 22
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Keterangan | Notes:
Tinggi | High
Sedang-Tinggi | Medium-High
Sedang | Medium
Tingkat Impact Materiality Tingkat Financial Materiality
Impact Materiality Level Financial Materiality Level
Topik Material
Material Topics
Positif Negatif Risiko Peluang
Positive Negative Risk Chance
Literasi Keuangan
Financial Literacy Pengembangan Ketidaksesuaian Tidak mencapai social return Optimalisasi portofolio
kesejahteraan bagi materi untuk audiens on investment dan dampak nasabah, baik untuk
masyarakat, dan membuka mengakibatkan peserta program tidak terukur, dapat pendanaan maupun
akses perbankan bagi tidak memperoleh menimbulkan inefisiensi pembiayaan, serta
masyarakat. pemahaman yang memadai, anggaran dan mengurangi membuka peluang untuk
Developing welfare for the mengurangi keterlibatan efektivitas investasi mendapatkan nasabah baru.
community, and opening selama pelatihan, serta perusahaan. Optimizing customer
banking access for the menimbulkan inefisiensi Not achieving a social return portfolios, both for funding
community. pengembangan kompetensi. on investment and the and financing, and opening
Mismatch of the material unmeasureable impact can up opportunities to acquire
for the audience results in lead to budget inefficiencies new customers.
participants not gaining and reduce the effectiveness
adequate understanding, of the company’s
reduces engagement investments.
during training, and creates
inefficiencies in competency
development.
Pelatihan dan
Pengembangan Pelatihan dan Karyawan gagal Biaya pelatihan tidak Meningkatkan produktivitas
Karyawan pengembangan untuk meningkatkan sebanding dengan manfaat dan efektivitas dalam
Employee Training and mendukung kinerja yang kompetensinya setelah dan tujuan yang ingin melakukan pekerjaan, serta
Development optimal. mengikuti pelatihan, diperoleh sehingga dapat mendukung pencapaian
Training and development meningkatkan risiko menyebabkan misselling. portofolio keberlanjutan dan
to support optimal kesalahan kerja, serta The training costs are not NZE.
performance. menurunkan produktivitas. commensurate with the Increase productivity and
Employees fail to improve benefits and goals to be effectiveness in carrying
their competencies after achieved, which can lead to out work, and support the
attending training, increasing misselling. achievement of sustainability
the risk of work errors and and NZE portfolios.
reducing productivity.
20 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 23
Pendekatan Pengelolaan Topik Material [3-3]
Management Approach for Material Topics
Topik Material Isu Signifikan Penjelasan Materialitas
Material Topics Significant Issues The importance of Materiality
Keamanan Produk dan Data, Penerapan keamanan data manajemen Risiko penipuan dan potensi kebocoran data tetap menjadi
serta Privasi Nasabah berdasarkan Standar ISO 27001. tantangan utama yang perlu dimitigasi. Oleh karenanya topik
Product and Data Security, and Implementation security management system in ini merupakan dasar kepercayaan nasabah bagi Bank dalam
Customer Privacy alignment with ISO 27001 standards. melakukan usahanya.
Fraud risks and potential data breaches remain key challenges
16 requiring continuous mitigation. Hence, these topic is essential
as a foundation of customer trust in the Bank’s operations.
Inovasi Produk Keuangan • Investasi yang signifikan untuk penyempurnaan Pengembangan produk keuangan berkelanjutan dan
Berkelanjutan dan sistem serta penguatan kapabilitas sumber daya produk ramah lingkungan, serta pengembangan produk dan
Pengembangan Teknologi manusia. teknologi merupakan kunci untuk meningkatkan daya saing
Sustainable Finance Product • Pengembangan portofolio green mortgage. dan kepuasan nasabah.
Innovation and Technology • Pembiayaan kendaraan listrik (EV) meningkat The development of sustainable financial and environmentally
Development dan melampaui target. friendly products, and advancements in product and
• Significant investments are required to enhance technology innovation, are key to enhancing competitiveness
09 systems and strengthen human capital and customer satisfaction.
capabilities.
• The green mortgage portfolio expanded.
• Electric vehicle (EV) financing increased and
exceeded the targets.
Pengelolaan Lingkungan dan • Permata Bank memiliki eksposur portofolio yang Pengelolaan Lingkungan Hidup dan Perubahan Iklim menjadi
Perubahan Iklim signifikan pada sektor dengan intensitas karbon tanggung jawab bersama untuk mengurangi risiko usaha,
Environmental Management tinggi, termasuk pertambangan, FOLU, dan serta mendukung capaian net zero emission.
and Climate Change industri pengolahan. Environmental Management and Climate Change are shared
• Dua gedung operasional Bank berhasil responsibilities to reduce business risks and support the
07 12 13 memperoleh sertifikasi bangunan hijau tingkat achievement of net-zero emissions.
gold.
• Penurunan emisi operasional dan penghematan
15
biaya listrik.
• The Company has significant portfolio exposure
to carbon-intensive sectors, including mining and
excavation, FOLU, and processing industries.
• Two of the Permata Bank’s operational buildings
achieved gold-level green building certification.
• Operational emissions were reduced and resulted
in electricity cost savings.
Literasi Keuangan Program pengembangan masyarakat dan literasi Pengembangan Masyarakat dan Literasi Keuangan
Financial Literacy keuangan merupakan kontribusi penting dari Bank terhadap
Community development and financial literacy pengembangan kesejahteraan bagi masyarakat, dan
04 08 10 initiatives membuka an akses perbankan bagi mereka.
Community Development and Financial literacy are
significant contributions by the Bank to improving community
welfare and expanding access to banking for underserved
populations.
Pelatihan dan Pengembangan Pengembangan karyawan dan peningkatan Pelatihan dan Pengembangan Karyawan merupakan dasar
Karyawan kompetensi, termasuk pelatihan LST pengembangan kapasitas setiap karyawan, yang merupakan
Employee Training and Development and competency program, including kunci keberhasilan operasional Bank.
Development ESG training Employee Training and Development form the foundation of
capacity-building initiatives of each employee, which is vital
03 04 05 to the Bank’s operational success.
08 10
2025 Sustainability Report PT Bank Permata Tbk. 21
Page 24
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Tentang
Permata Bank
About Permata Bank
Profil Permata Bank [2-1]
Permata Bank Profile
Nama Perusahaan Modal Ditempatkan dan Disetor Penuh
Company Name Issued and Fully Paid Capital
PT Bank Permata Tbk Rp4.855.312.835.750,00 yang terbagi atas 26.880.234
saham kelas A dengan nilai nominal masing-masing saham
Rp12.500,00 dan 36.154.479.286 saham kelas B dengan
nilai nominal masing-masing saham Rp125,00.
IDR 4,855,312,835,750 consisting of 26,880,234 A
class shares, with par value of IDR 12,500 per share and
36,154,479,286 B class shares with par value of IDR 125 per
Alamat Kantor Pusat [C.2] share.
Head Office Address
Bidang Usaha [C.4]
World Trade Center (WTC) II Type of Business
Jl. Jend. Sudirman Kav. 29-31
Jakarta 12920 Bank Umum
Tel. | Phone: (021) 523 7788 Commercial Bank
Call Center: 1500111
Surat Elektronik | E-mail:
corporate.affairs@permatabank.co.id
Pasar Dilayani
permatatel@permatabank.co.id
Market Coverage
Situs Web | Website: www.permatabank.com
Indonesia
Dengan segmen pelanggan corporate, consumer,
Tanggal Pendirian commercial, dan syariah.
Date of Establishment Permata Bank operates extensively within Indonesia and
serves a diverse range of customer segments, including
17 Desember 1954 corporate, consumer, commercial, and sharia segments.
17 December 1954
Status dan Bentuk Badan Hukum
Legal Status and Entity
Perusahaan Swasta berbentuk Perseroan Terbatas (PT)
Private Company in the form of a Limited Liability Company
22 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 25
Dasar Hukum Pendirian Wilayah Operasional [C.3]
Legal Basis of Establishment Operational Areas
Akta Pendirian No. 228 tanggal 17 Desember 1954, dibuat di 200 kantor cabang (termasuk kantor pusat) | branches
hadapan Eliza Pondaag, Notaris pengganti dari Raden Mas (including the head office)
Soerojo. Akta tersebut telah disetujui oleh Menteri Kehakiman 142 kantor cabang konvensional & 16 kantor cabang
Republik Indonesia dengan suratnya No. J.A. 5/2/2 tanggal 4 syariah | conventional branches & sharia branch offices
Januari 1955 dan diumumkan dalam BNRI No. 22 tanggal 18 834 Automatic Teller Machine (ATM)
Maret 1955, TBNRI No. 292.
Deed of Establishment No. 228 dated 17 December 1954,
signed in the presence of Eliza Pondaag, Raden Mas Soerojo’s Pemegang Saham [C.3]
substitute Notary. The deed was approved by the Minister of Shareholders
Justice of the Republic of Indonesia with letter No. J.A. 5/2/2
dated 4 January 1955, and was announced in BNRI No. 22 1. Bangkok Bank Public Company Limited : 89,12%
dated 18 March 1955, TBNRI No. 292. 2. Masyarakat | Public : 10,88%
Modal Dasar Tanggal Go Public
Authorized Capital Go Public Date
Rp15.000.000.000.000,00 yang terbagi atas 26.880.234 15 Januari 1990
saham kelas A dengan nilai nominal masing-masing saham 15 January 1990
sebesar Rp12.500,00 dan 117.311.976.600 saham kelas B
dengan nilai nominal masing-masing saham Rp125,00.
IDR 15,000,000,000,000 consisting of 26,880,234 A
Nama Bursa
class shares, with par value of IDR 12,500 per share and
117,311,976,600 B class shares with par value of IDR 125 per
Stock Exchange
share.
Bursa Efek Indonesia (BEI)
Indonesia Stock Exchange (IDX)
Kode Saham
Stock Code
BNLI
Riwayat singkat PT Bank Permata Tbk sejak tahun 1955 hingga tahun 2025 tersaji pada Laporan Tahunan 2025.
A brief history of PT Bank Permata Tbk from 1955 to 2025 is presented in the 2025 Annual Report.
2025 Sustainability Report PT Bank Permata Tbk. 23
Page 26
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Strategi
Keberlanjutan [A.1][2-22]
Sustainability Strategy
Permata Bank mengintegrasikan kepentingan ekonomi, sosial, Permata Bank integrates economic, social, and environmental
dan lingkungan ke dalam aktivitas bisnis dan operasionalnya. considerations into its business and operational activities. This
Komitmen tersebut selaras dengan visi keberlanjutan Bank, commitment is aligned with the Bank’s sustainability vision, namely
yaitu “Menjadi mitra keuangan terpercaya yang mendorong “To become a trusted financial partner that drives transformation
transformasi menuju ekonomi yang berkelanjutan, inklusif, dan towards a sustainable, inclusive, and responsible economy.” To
bertanggung jawab.” Untuk mendukung visi tersebut, Permata support this vision, Permata Bank has developed a Sustainable
Bank menyusun Rencana Aksi Keuangan Berkelanjutan Finance Action Plan (RAKB) for the 2024–2028 period, which is
(RAKB) Periode 2024–2028 yang dirancang guna memastikan designed to ensure the implementation of environmental, social,
penerapan prinsip lingkungan, sosial, dan tata kelola (LST) di and governance (ESG) principles across all of the Bank’s activities.
seluruh kegiatan Bank.
Dalam kerangka RAKB 2024-2028, sejumlah program telah Within the framework of the 2024–2028 Sustainable Finance
dirancang dan sudah berjalan pada 2025. Program-program Action Plan (RAKB), a number of programs were designed and
tersebut, mencakup penguatan pembiayaan berkelanjutan, serta have been implemented in 2025. These programs include the
pengembangan produk dan layanan keuangan yang mendukung strengthening of sustainable financing, as well as the development
pertumbuhan ekonomi berkelanjutan, baik yang memberikan of financial products and services that support sustainable
dampak positif terhadap lingkungan maupun mendorong inklusi economic growth, both by generating positive environmental
sosial. Selain itu, Bank juga memperkuat aspek tata kelola melalui impacts and by promoting social inclusion. In addition, the Bank
pengelolaan risiko terkait perubahan iklim, upaya pencapaian has strengthened governance aspects through the management
Net Zero Emission (NZE) dari operasional Bank, pengembangan of climate change–related risks, efforts to achieve Net Zero
proses pengadaan berkelanjutan, pelaksanaan Sustainability Emissions (NZE) from the Bank’s operations, the development
Learning Series, penguatan Diversity, Equity, and Inclusion (DEI). of sustainable procurement processes, the implementation of
the Sustainability Learning Series, the strengthening of Diversity,
Equity, and Inclusion (DEI).
Melalui implementasi RAKB tersebut, Permata Bank berupaya Through the implementation of the Sustainable Finance Action
memberikan kontribusi positif bagi lingkungan dan masyarakat, Plan (RAKB), Permata Bank seeks to make a positive contribution to
antara lain dengan mendukung transisi menuju masa depan the environment and society, including by supporting the transition
rendah karbon, menjaga keanekaragaman hayati, serta towards a low-carbon future, preserving biodiversity balance, and
meningkatkan literasi keuangan di masyarakat. Di sisi internal, enhancing financial literacy within the community. Internally, the
Bank juga memastikan terciptanya lingkungan kerja yang Bank also ensures the creation of a responsible and conducive
bertanggung jawab dan kondusif bagi PermataBankers dengan working environment for PermataBankers by embedding a culture
menerapkan budaya keberlanjutan dan menjunjung tinggi etika of sustainability and upholding high standards of business ethics.
bisnis.
24 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 27
Kerangka Keberlanjutan [C.1]
Sustainability Framework
Target Towards Net Zero
Permata Bank menetapkan target untuk mencapai Net Zero Emissions Lingkup 1 & 2
dalam Operasional pada tahun 2030, dan Net Zero Emissions dalam pembiayaan pada tahun 2052.
Permata Bank has set a target to achieve Net Zero Emission for Scope 1 & 2
in operations by 2030, and Net Zero Emission in Financing by 2052.
Permata Bank’s
Sustainability Framework
Visi Keberlanjutan | Sustainability Vision
Menjadi mitra keuangan terpercaya yang mendorong transformasi menuju ekonomi yang berkelanjutan, inklusif, dan bertanggung jawab.
To become a trusted financial partner, driving transformation toward a sustainable, inclusive, and responsible economy.
Misi Keberlanjutan | Sustainability Mission
1. Memberikan layanan keuangan yang inovatif, inklusif, dan bertanggung jawab bagi nasabah dengan mengintegrasikan prinsip-prinsip keuangan
berkelanjutan.
2. Berkontribusi aktif pada pelestarian lingkungan, kesetaraan sosial, dan pertumbuhan ekonomi yang berkeadilan.
3. Membangun bisnis yang transparan, akuntabel, dan beretika melalui pengelolaan risiko keberlanjutan yang efektif dan kolaborasi dengan pemangku
kepentingan untuk masa depan berkelanjutan.
1. We provide innovative, inclusive, and responsible financial services for customers by integrating sustainable finance principles.
2. We actively contribute to environment preservation, social equity, and fair economic growth.
3. We build a transparent, accountable, and ethical business through effective sustainability risk management and collaboration with stakeholders for a
sustainable future.
Pilar Keberlanjutan | Sustainability Pillars
I - PRICE
Sustainable Sustainable Sustainable Impact for Sustainability
Business Operations Communities Governance
12 08 08 09 12 10 15 17 13 16 17
Cakupan: Cakupan: Cakupan: Cakupan:
1. Pembiayaan Berkelanjutan 1. Emisi Nol Bersih dari Aktivitas 1. Literasi Keuangan 1. Tata Kelola Perusahaan yang
2. Investasi Berkelanjutan Operasional Berkelanjutan Baik
3. Produk Keuangan 2. Pengadaan Berkelanjutan 2. Pengembangan Masyarakat 2. Manajemen Risiko
Berkelanjutan 3. Kesejahteraan dan 3. Pelestarian Lingkungan Hidup 3. Pengembangan Kapasitas
4. Emisi Nol Bersih dari Aktivitas Kesejahteraan Karyawan 4. Kolaborasi Eksternal/Nasabah 4. Pajak, Anti Penyuapan, Anti
Pembiayaan 4. Keberagaman, Kesetaraan, dan dalam Aksi Keberlanjutan Penipuan
Inklusi 5. Perlindungan Pelanggan,
Scope: Scope: Privasi & Keamanan Digital
1. Sustainable Financing Scope: 1. Sustainable Financial Literacy
2. Sustainable Investment 1. Net Zero in Operations 2. Community Development Scope:
3. Sustainable Finance Products 2. Sustainable Procurement 3. Environmental Conservation 1. Good Corporate Governance
4. Net Zero in Financing 3. Employee Welfare & Well-being 4. External/Client Collaborations 2. Risk Management
4. Diversity, Equity, and Inclusion in Sustainability Activities 3. Capacity Building
4. Tax, Anti Bribery, Anti-fraud
5. Customer Protection, Digital
Privacy & Security
2025 Sustainability Report PT Bank Permata Tbk. 25
Page 28
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Nilai-Nilai Keberlanjutan [C.1]
Sustainability Values
Integrity Partnership
Menjalankan bisnis dengan transparan untuk Bekerja sama dengan mitra untuk menciptakan
mendukung praktik yang bertanggung jawab dampak positif yang mendukung kelestarian
terhadap lingkungan, masyarakat, dan tata kelola lingkungan dan kesejahteraan sosial.
yang baik.
Collaborating with partners to create positive
Conducting business transparently to support impacts that support environmental preservation
responsible practices toward the environment, and social well-being.
society, and good governance.
Responsiveness Innovation
Menanggapi kebutuhan dengan solusi yang Mengembangkan produk dan layanan kreatif
cepat dan tepat, berfokus pada keberlanjutan dan yang mendukung efisiensi operasional dan
dampak positif bagi masyarakat dan lingkungan. keberlanjutan.
Responding to needs with swift and appropriate Developing creative products and services that
solutions, focusing on sustainability and positive enhance operational efficiency and promote
impacts for society and the environment. sustainability.
Caring Excellence
Menaruh perhatian pada kesejahteraan Memberikan layanan terbaik yang mendukung
semua pihak, termasuk nasabah, masyarakat, upaya keberlanjutan serta menjaga
PermataBankers, dan lingkungan, melalui keseimbangan antara kinerja ekonomi, sosial,
pendekatan yang inklusif dan bertanggung jawab. lingkungan, dan tata kelola.
Prioritizing the well-being of all stakeholders, Delivering superior services that support
including customers, communities, sustainability efforts while maintaining a
PermataBankers, and the environment, through an balance between economic performance, social,
inclusive and responsible approach. environmental, and governance.
26 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 29
Membangun Budaya Keberlanjutan [F.1]
Establishing a Sustainability Culture
Permata Bank menjadikan visi serta nilai utama I-PRICE sebagai Permata Bank adopts its vision and core I-PRICE values as the
fondasi bagi PermataBankers dalam bekerja, berinteraksi, dan foundation for PermataBankers in working, interacting, and
berperilaku. Nilai-nilai tersebut juga menjadi rujukan dalam conducting themselves. These values also serve as a reference
penguatan budaya keberlanjutan di lingkungan internal Bank. for strengthening a culture of sustainability within the Bank’s
Permata Bank mendorong partisipasi aktif karyawan dalam internal environment. Permata Bank encourages active employee
pengembangan budaya keberlanjutan melalui berbagai participation in the development of a sustainability culture
kampanye di media digital dan seminar internal, serta program through various digital media campaigns, internal seminars,
Sustainability Culture yang berfokus pada integrasi nilai and Sustainability Culture Program that focus on integrating
keberlanjutan di dalam proses kerja dan gaya hidup sehari-hari sustainability values into work processes and employees’
karyawan. everyday lifestyles.
Melalui program Sustainability Culture, dibentuk Culture Network Through the Sustainability Culture program, a Culture Network
yang terdiri dari Culture Champions, Culture Leaders, dan Culture was established, consisting of Culture Champions, Culture
Agents dari setiap perwakilan Direktorat. Di tahun 2025, Culture Leaders, and Culture Agents from each Directorate. By 2025, the
Network telah mengembangkan 96 program keberlanjutan. Culture Network had developed 96 sustainability programs. These
Program-program tersebut dijalankan di tingkat Divisi dan programs are implemented at the Division level and monitored by
dimonitor oleh Culture Champions di masing‑masing Direktorat. Culture Champions in each Directorate. To ensure the program’s
Untuk memastikan programnya berjalan dengan baik, Divisi success, the Sustainability Division held 9 Sustainability Culture
Sustainability telah menyelenggarakan 9 Sustainability Culture Workshops for all Culture Network members throughout 2025.
Workshop bagi seluruh anggota Culture Network sepanjang 2025.
Di akhir periode program, Divisi Sustainability melalui At the end of the program period, the Sustainability Division,
Sustainability Committee Meeting melakukan penilaian terhadap through a Sustainability Committee Meeting, assessed programs
program-program yang memiliki dampak terukur serta relevan that had a measurable impact and were relevant to Permata
dengan komitmen keberlanjutan Permata Bank. Sebagai bentuk Bank’s sustainability commitments. As a token of appreciation,
apresiasi, Permata Bank memberikan penghargaan kepada Divisi Permata Bank presented awards to the Divisions and Culture
dan Culture Network dengan program terbaik, yang diumumkan Networks with the best programs, which were announced through
melalui Culture Awards Permata Bank. the Permata Bank Culture Awards.
Selain itu, PermataBankers turut dilibatkan dalam program In addition, PermataBankers are involved in the Employee
Employee Volunteers (EVO) sebagai sarana untuk menciptakan Volunteers (EVO) program as a means of creating positive social
dampak positif bagi masyarakat sekaligus menumbuhkan sense impact while fostering a sense of purpose among employees in
of purpose bagi karyawan dalam berkarya dan berkontribusi their work and in making tangible contributions.
secara nyata.
Upaya peningkatan kesadaran terhadap ‘Sustainability Journey Efforts to enhance awareness of ‘Permata Bank’s Sustainability
Permata Bank’ juga dilakukan melalui pengiriman e-mail blast Journey’ are also undertaken through the periodic distribution
secara berkala kepada seluruh karyawan, termasuk Direksi dan of email blasts to all employees, including the Board of Directors
Dewan Komisaris. Komunikasi internal tersebut memuat poster and the Board of Commissioners. These internal communications
serta informasi singkat mengenai berbagai inisiatif keberlanjutan feature posters and brief information on various sustainability
yang dijalankan, dengan mengusung tagar #SayangiBumi initiatives implemented by the Bank, using the hashtags
dan #DenganHati. Sepanjang tahun 2025, Bank melakukan #SayangiBumi and #DenganHati. Throughout 2025, the Bank
pengiriman 39 e-mail blast Sustainability Journey kepada seluruh carried out 39 e-mail blast update on sustainability journey
karyawan. activities.
2025 Sustainability Report PT Bank Permata Tbk. 27
Page 30
Ikhtisar
Keberlanjutan
Sustainability
Highligths
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan [C.4][2-6]
Products, Services, and Business Activities
Permata Bank menyediakan layanan perbankan yang mencakup Permata Bank provides banking services encompassing its main
kegiatan usaha utama dan penunjang bagi berbagai segmen, and supporting business activities across various segments,
yaitu corporate, commercial, consumer, dan syariah. Seluruh namely corporate, commercial, consumer, and sharia. All such
layanan tersebut dijalankan dalam kerangka kegiatan usaha bank services are conducted within the scope of a commercial bank’s
umum sesuai dengan ketentuan Pasal 3 Anggaran Dasar Permata business activities in accordance with the provisions of Article 3 of
Bank. Pengaturan mengenai ruang lingkup kegiatan usaha Permata Bank’s Articles of Association. The regulations regarding
tersebut dituangkan dalam Akta No. 56 tanggal 30 September the scope of business activities are set out in Deed No. 56 dated
2025 dan telah diberitahukan kepada Menteri Hukum Republik September 30, 2025 and have been notified to the Minister of
Indonesia berdasarkan suratnya No. AHU-AH.01.03-0240484 Law of the Republic of Indonesia based on his letter No. AHU-
dan telah diumumkan dalam BNRI No. 83, TBN No. 29676/2025. AH.01.03-0240484 and have been announced in BNRI No. 83,
TBN No. 29676/2025.
PRODUK DAN LAYANAN PERMATA BANK PERMATA BANK PRODUCTS AND SERVICES
Permata Bank menyediakan fasilitas penghimpunan dan Permata Bank provides facilities for the mobilisation and
penyaluran dana kepada masyarakat dengan penawaran suku distribution of funds to the public at competitive interest rates. The
bunga yang kompetitif. Produk yang ditawarkan, antara lain products offered include, among others, business financing and
pembiayaan dan permodalan usaha, tabungan, giro, deposito, working capital facilities, savings accounts, current accounts, time
kartu kredit, pembiayaan kepemilikan rumah, serta layanan deposits, credit cards, home ownership financing, as well as other
perbankan lainnya. banking services.
Uraian lebih rinci mengenai kegiatan usaha serta produk dan layanan Permata Bank disajikan dalam Laporan Tahunan 2025.
A detailed description of Permata Bank’s business activities, products, and services is presented in 2025 Annual Report.
Skala Usaha [C.3]
Scale of Operations
Satuan
Uraian 2025 2024 2023 Description
Unit
Jumlah Karyawan Orang 6.841 6.972 7.372 Total Employees
People
Pendapatan Operasional Rp Juta 12.556.774 12.083.329*) 11.950.724*) Operating Income
Laba Bersih IDR Million 3.587.535 3.566.519 2.585.218 Net Income
Total Kapitalisasi | Total Capitalization
Aset 268.342.325 259.067.503 257.444.147 Assets
Rp Juta
Liabilitas 222.494.311 216.464.321 217.451.825 Liabilities
IDR Million
Ekuitas 45.848.014 42.603.182 39.992.322 Equity
Keterangan | Note:
*)
Pernyataan ulang yang disebabkan oleh reklasifikasi
Restatement due to reclassification
Perubahan Signifikan [C.6]
Significant Changes
Sepanjang tahun pelaporan 2025, tidak terdapat perubahan Throughout the 2025 reporting year, there were no significant
yang signifikan pada operasional Permata Bank. changes to Permata Bank’s operations.
28 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 31
Pelibatan Pemangku Kepentingan [E.4][2-29]
Stakeholder Engagement
Permata Bank menempatkan hubungan yang kuat dengan Permata Bank regards strong relationships with stakeholders as
para pemangku kepentingan sebagai salah satu faktor kunci. one of the key success factors. Based on the level of engagement
Berdasarkan tingkat keterkaitan dan pengaruh masing-masing and the influence of each stakeholder on the Bank’s operational
pihak terhadap kegiatan operasional Bank, enam kelompok activities, six main stakeholder groups have been identified.
pemangku kepentingan utama telah ditetapkan.
Pendekatan terhadap Pelibatan Pemangku Kepentingan
Approaches to Stakeholder Engagement
INTERNAL | INTERNAL
Pemegang Saham
Stakeholders
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
• Informasi material, termasuk informasi • Menyelenggarakan RUPS Tahunan pada • Rapat Umum Pemegang Saham (RUPS)
keuangan dan kinerja keberlanjutan tanggal 9 April 2025 dan RUPS Luar Biasa Tahunan (setahun sekali).
• Keterbukaan informasi pada tanggal 30 September 2025. • RUPS Luar Biasa (jika dibutuhkan).
• Tata kelola perusahaan yang baik • Menerbitkan Laporan Tahunan dan • Keterbukaan informasi kepada publik
• Material information, including financial Keberlanjutan setiap tahun. (setiap saat).
information • Paparan Publik Tahunan terlaksana pada • Laporan Keuangan dan Laporan Tahunan
• Information disclosure tanggal 7 Maret 2025. (setahun sekali).
• Good corporate governance • Keterbukaan informasi dimuat dalam situs • Paparan publik tahunan dan investor
web Permata Bank dan situs web Bursa meeting (setahun sekali).
Efek Indonesia. • Annual General Meeting of Shareholders
• Holding an Annual General Meeting of (GMS) (once a year).
Shareholders (AGM) on April 9, 2025, • Extraordinary GMS (as needed).
and an Extraordinary General Meeting • Information disclosure to the public (at any
of Shareholders (EGM) on September 30, time).
2025. • Financial statements and annual reports
• Issuing Annual and Sustainability Reports (once a year).
annually. • Annual public exposes and investor
• Annual Public Expose was held on March 7, meetings (once a year).
2025.
• Information disclosure will be published
on the Permata Bank website and the
Indonesia Stock Exchange website.
Karyawan
Employees
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
• Kesejahteraan, kesetaraan, kesehatan, • Email blast terkait perkembangan • Forum internal, seperti Permata Learning
keselamatan, dan keamanan karyawan perusahaan termasuk kinerja Week (setiap tahun).
• Pelatihan dan pengembangan kompetensi keberlanjutan terlaksana setiap 2 minggu • Serikat pekerja (setiap saat)
terkait keuangan berkelanjutan dan sekali. • Program pelatihan dan pengembangan
budaya keberlanjutan • Terlaksana pertemuan dengan serikat kompetensi secara virtual melalui
• Jenjang karier pekerja sebanyak 6 kali di 2025. e-learning maupun webinar (setiap saat).
• Employee welfare, equality, health, safety, • Survey pengalaman karyawan terlaksana • Penyampaian informasi (berita,
and security dengan hasil 82% karyawan menyatakan pengumuman, sosialisasi terkait
• Training and competency development bahwa Permata Bank merupakan “Great keberlanjutan dan lainnya) melalui surel
• Career path Place to Work”. dan portal internal (Permata World) (setiap
• Email blasts regarding company saat).
developments, including sustainability • Survei kepuasan karyawan (setiap saat).
performance, are conducted every 2 • Internal forums, such as Permata Learning
weeks. Week (once a year).
• 6 meetings with the labor union were held • The labor union (at any time).
in 2025. • Virtual training and competency
• An employee experience survey was development programs through e-learning
conducted, with 82% of employees stating platforms and webinars (at any time).
that Permata Bank is a “Great Place to • Dissemination of information (news,
Work”. announcements, sustainability-related
socialization, and others) via email and
the internal portal (Permata World) (at any
time).
• Employee satisfaction surveys (at any
time).
2025 Sustainability Report PT Bank Permata Tbk. 29
Page 32
Ikhtisar
Keberlanjutan
Sustainability
Highligths
EKSTERNAL | EXTERNAL
Nasabah
Customers
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
• Produk dan layanan jasa keuangan yang • Membentuk taskforce untuk • Komunikasi secara non-digital (diskusi/
memenuhi kebutuhan mempersiapkan pengembangan produk wawancara), platform digital seperti media
• Keuangan berkelanjutan keuangan berkelanjutan untuk segmen sosial dan media elektronik (surel dan
• Layanan yang sederhana, cepat, dan Commercial dan Corporate. SMS) (setiap saat).
andal • Layanan customer care telah • Informasi terkait produk-produk perbankan
• Keamanan data dan privasi nasabah menyelesaikan keluhan nasabah sebanyak dalam situs web Permata Bank (setiap
• Inovasi produk dan perbankan digital 30.201. saat).
• Penanganan keluhan • Economic Outlook terlaksana dengan • Layanan customer care melalui
• Financial products and services that meet mengangkat tema Driving Resilient Growth PermataTel (setiap saat).
customer needs Through Sustainability di salah satu panel • Program webinar/seminar, seperti acara
• Simple, fast and reliable services diskusinya. Economic Outlook yang mengangkat tema
• Data security and customer privacy • Mengintegrasikan pembahasan keuangan keberlanjutan (minimal setahun sekali).
• Product innovation and digital banking berkelanjutan saat kunjungan rutin ke • Communication through digital platforms
• Complaint handling nasabah korporasi. (social media), non-digital (discussion/
• Bank menyalurkan pembiayaan interview), and electronic media (email and
kendaraan listrik (EV) kepada beberapa SMS) (at any time).
perusahaan multifinance. • Information about banking products is
• Established a task force to prepare the available on Permata Bank’s website (at
development of sustainable finance any time).
products for the Commercial and • Customer care services via PermataTel (at
Corporate segments. any time).
• Customer care services resolved 30,201 • Webinar/seminar programs, such as the
customer complaints. Economic Outlook event, which raises the
• The Economic Outlook event was theme of sustainability (at least once a
conducted, featuring Driving Resilient year).
Growth Through Sustainability as one of its
panel discussion themes.
• Integrated discussions on sustainable
finance into routine visits to corporate
customers.
• The Bank provided electric vehicle
(EV) financing to several multifinance
companies.
Regulator
Regulators
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
• Kepatuhan pada regulasi yang berlaku • Laporan keberlanjutan, Rencana Aksi • Seluruh laporan terkait pelaksanaan
• Analisis risiko LST dalam penyaluran kredit Keuangan Berkelanjutan dan Climate- kepatuhan (minimal setahun sekali).
• Penerapan kebijakan antikorupsi dan anti- Risk Management & Scenario Analysis • Penyampaian laporan rutin dan laporan
fraud dikirimkan tepat waktu kepada regulator. insidentil lainnya kepada regulator sesuai
• Pemenuhan kewajiban pajak dan • Membayar pajak sesuai peraturan dengan timeline.
kewajiban lainnya perundang-undangan secara tepat waktu. • Melaksanakan mandatory e-learning
• Compliance with applicable regulations • Sustainability reports, Sustainable kepada seluruh PermataBankers
• Analysis of ESG risks associated with Financial Action Plan, and Climate-risk terlaksana dengan baik (secara berkala).
lending Management & Scenario Analysis are • Submitting all reports related to
• Implementation of anti-corruption and anti- submitted to regulators on time. compliance implementation (at least once
fraud policies • Paying taxes in accordance with laws and a year).
• Fulfillment of tax and other obligations regulations in a timely manner. • Submitting regular and incidental reports
to regulators in accordance with the
timelines.
• Conducting mandatory e-learning for
all PermataBankers and implemented
effectively (on a periodic basis).
30 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 33
Masyarakat
Communities
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
Program TJSL • Melibatkan 3.720 orang EVO di tahun • Employee Volunteer (EVO) (sesuai
CSER Programs 2025, dengan tema aktivitas edukasi kebutuhan).
literasi keuangan, pemberdayaan • Kerja sama dengan komunitas sekitar dan
masyarakat, dan pelestarian lingkungan. lembaga-lembaga terkait (setiap saat).
• Bekerja sama dengan WWF Indonesia • The Employee Volunteer (EVO) program (as
dalam pelestarian lingkungan melalui needed).
konservasi gajah di Alam Bukit Tigapuluh, • Cooperation with surrounding communities
Jambi. and relevant institutions/organizations (at
• 3,720 EVOs are involve in 2025, with the any time).
themes of financial literacy education,
community empowerment, and
environmental conservation.
• Collaborating with WWF Indonesia in
environmental preservation through
elephant conservation in Alam Bukit
Tigapuluh, Jambi.
Vendor
Vendors
Topik/Isu Utama Respons Permata Bank Metode Pelibatan dan Frekuensi
Main Topics/Issues Permata Bank’s Responses Engagement Method and Frequency
• Komunikasi Permata Bank dan vendor • Terlaksana webinar mengenai bisnis Melalui pertemuan secara daring kepada
terkait kebijakan pemilihan vendor dan berkelanjutan bagi vendor sebanyak seluruh vendor Permata Bank (sesuai
persyaratannya 2 batch di 2025. kebutuhan).
• Pelaksanaan webinar mengenai • Total vendor yang mengikuti webinar Online meetings with Permata Bank’s vendors
penerapan binis keberlanjutan pada tahun 2025 adalah 118 vendor (as needed).
• Communication between Permata Bank atau meningkat 55% dibanding tahun
and vendors regarding vendor selection sebelumnya.
policies and requirements • 2 webinars on sustainable business were
• Implementation of webinar related to held for vendors in 2025.
implementation of sustainable business • A total of 118 vendors participated in
the webinars in 2025, a 55% increase
compared to the previous year.
2025 Sustainability Report PT Bank Permata Tbk. 31
Page 34
Pertumbuhan Berkelanjutan Sustainable Growth
Page 35
Page 36
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Kinerja
Ekonomi [201-1][201-4]
Economic Performance
Kinerja ekonomi Permata Bank sepanjang tahun 2025 tercermin Permata Bank’s economic performance throughout 2025 was
dari pencapaian laba bersih sebesar Rp3.587.535 juta yang reflected in the achievement of a net profit of IDR 3,587,535
setara dengan 101% dari target yang telah ditetapkan. Pencapaian million equivalent to 101% of the target. This achievement was
tersebut didukung oleh perolehan pendapatan operasional supported by operating income amounting to IDR 12,556,774
yang mencapai Rp12.556.774 juta, dengan perubahan sebesar million, representing a change of 3.91% compared to the previous
3,91% dibandingkan periode sebelumnya yang didukung oleh period, supported by treasury growth on securities sales profits.
pertumbuhan treasury atas keuntungan penjualan surat berharga.
Dalam rangka mendistribusikan nilai ekonomi kepada para In distributing economic value to its stakeholders, Permata Bank
pemangku kepentingan, Permata Bank menyalurkan nilai channels economic value through the payment of salaries and
ekonomi melalui pembayaran gaji dan tunjangan kepada benefits to management and employees, the distribution of
pengurus dan karyawan, pembagian dividen kepada pemodal, dividends to shareholders, the payment of taxes to the government,
pembayaran pajak kepada pemerintah, serta alokasi dana and the allocation of funds for social activities. Throughout the
untuk kegiatan sosial. Selama periode pelaporan 2025, Bank 2025 reporting period, the Bank carried out all of its operational
menjalankan seluruh aktivitas operasional tanpa memperoleh activities without receiving any financial assistance from the
bantuan finansial dari pemerintah. government.
Nilai Ekonomi yang Dihasilkan dan Didistribusikan (Rp Juta)
Economic Value Generated and Distributed (IDR Million)
Uraian
2025 2024 2023
Description
A. Nilai Ekonomi yang Dihasilkan | Economic Value Generated
Pendapatan Operasional 12.556.774 12.083.329*) 11.950.724*)
Operating Income
Jumlah 12.556.774 12.083.329*) 11.950.724*)
Total
B. Nilai Ekonomi yang Didistribusikan | Economic Value Distributed
Gaji dan Tunjangan Pengurus dan Karyawan 3.446.920 3.168.469 3.336.218
Salaries and Benefits of Executives and Employees
Pembayaran kepada Pemodal (Dividen) 1.085.439 904.532 542.720
Payments to Investors (Dividends)
Pajak yang Dibayarkan 3.444.530 3.292.292 2.749.508
Paid Taxes
Biaya TJSL 5.800 5.952 3.450
CSER Funds
Jumlah 7.982.689 7.371.245 6.631.896
Total
Nilai Ekonomi yang Ditahan (A-B) 4.574.085 4.339.741 4.941.723
Economic Value Retained (A-B)
Keterangan | Note:
*)
Pernyataan ulang yang disebabkan reklasifikasi
Restatement due to reclassification
34 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 37
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi [F.2]
Comparison of Targets to Performance of Production, Portfolio, Financing Targets, or Investments, Revenues and Profit and
Loss
Keterangan Satuan
2025 2024 2023
Description Unit
Total Aset Rp Juta 268.342.325 259.067.503 257.444.147
Total Assets IDR Million
Kredit/Pembiayaan Bank | Bank Loans/Financing
a. Consumer*) 43.801.584 45.753.735 44.067.107
b. Commercial 20.189.975 19.839.656 19.318.667
c. Corporate 100.247.353 90.160.789 79.592.382
Total Kredit/Pembiayaan Bank 164.238.912 155.754.180 142.978.156
Total Bank Loans/Financing
Dana Pihak Ketiga Rp Juta 193.025.578 185.843.453 188.586.562
Third Party Funds IDR Million
Pendapatan Operasional 12.556.774 12.083.329**) 11.950.724**)
Operating Income
Beban Operasional (7.925.767) (7.102.757) (8.223.498)
Operating Expenses
Laba Bersih 3.587.535 3.566.519 2.585.218
Net Profit
Rasio Kinerja | Performance Ratio
Aset Produktif | Earning Assets
Aset Produktif Bermasalah dan Aset Non-produktif Bermasalah 1,0 1,0 1,2
terhadap Total Aset Produktif dan Aset Non-produktif
Non-Performing Earning Assets and Non-Earning Assets to Total
Earnings and Non Earning Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 1,0 0,9 1,2
Non-Performing Earning Assets to Total Earning Assets
Cadangan Kerugian Penurunan Nilai (CKPN) 4,8 4,8 4,8
Allowance for Impairment Loss
Rasio Kecukupan Modal Minimum (KPMM) 34,6 34,6 35,3
Capital Adequacy Ratio (CAR)
NPL Gross % 2,1 2,1 2,9
NPL Net 0,2 0,4 0,4
Return on Asset (ROA) 1,7 1,8 1,3
Return on Equity (ROE) 6,8 7,2 5,5
Net Interest Margin (NIM) 4,0 4,3 4,5
Biaya Operasional terhadap Pendapatan Operasional (BOPO) 76,6 76,1 81,7
Operating Expenses to Operating Revenue
Loan to Deposit Ratio (LDR) 84,5 82,7 74,8
Liquidity Coverage Ratio (LCR) 296,5 340,2 335,7
Keterangan | Notes:
*)
Jumlah kredit yang disalurkan termasuk pinjaman karyawan
The amount of loans disbursed includes staff loans
**)
Pernyataan kembali yang disebabkan oleh reklasifikasi
Restatement due to reclassification
Rincian mengenai rasio keuangan Permata Bank diungkapkan lebih lanjut dalam Laporan Tahunan 2025.
Details regarding Permata Bank’s financial ratios are further disclosed in 2025 Annual Report.
2025 Sustainability Report PT Bank Permata Tbk. 35
Page 38
Pertumbuhan
Berkelanjutan
Sustainable
Growth
PERBANDINGAN ANTARA TARGET DAN COMPARISON BETWEEN TARGETS AND
REALISASI TAHUN 2025 [F.2] REALIZATIONS FOR 2025 [F.2]
Permata Bank menutup tahun 2025 dengan kinerja yang solid, Permata Bank ended 2025 with strong results, as most key
di mana sebagian besar indikator keuangan utama mencapai financial indicators exceeded targets and delivered positive
target yang telah ditetapkan serta mencatat pertumbuhan positif growth compared to the previous year. By the end of December
jika dibandingkan tahun sebelumnya. Hingga akhir Desember 2025, total assets reached IDR 268.34 trillion, representing
2025, total aset Bank mencapai Rp268,34 triliun, tumbuh 4,0% 4.0% YoY growth, although slightly below the RBB target of
(yoy), namun sedikit di bawah target RBB sebesar Rp272,38 triliun. IDR 272.38 trillion. This growth was primarily supported by 5.0%
Peningkatan aset ini didorong oleh pertumbuhan kredit sebesar YoY increase in loans, reaching IDR 163.34 trillion. Meanwhile,
5,0% (yoy) menjadi Rp163,34 triliun. Sementara itu, nilai ekuitas equity strengthened to IDR 45.85 trillion, exceeding the RBB target
pada akhir tahun 2025 tercatat Rp45,85 triliun, atau 101,0% dari of IDR 45.36 trillion at 101.0%. The improvement in equity reflects
target RBB sebesar Rp45,36 triliun. Penguatan ekuitas ini sejalan the Bank’s enhanced profitability throughout the year.
dengan peningkatan profitabilitas yang lebih baik sepanjang
tahun 2025.
Di tengah ketidakpastian kondisi makroekonomi yang berdampak Despite macroeconomic uncertainty impacting consumer
pada daya beli masyarakat, Permata Bank tetap mampu mencatat purchasing power, Permata Bank successfully maintained
pertumbuhan positif dalam penyaluran kredit, mencerminkan positive loan growth, reaffirming its consistent role as a financial
peran intermediasi yang dijalankan secara konsisten. Hingga intermediary. By the end of 2025, total loans increased by 5.0%
akhir 2025, kredit tumbuh 5,0% (yoy), didorong oleh peningkatan YoY, driven by 11.0% YoY growth in Corporate segment and 2.0%
pada segmen Corporate sebesar 11,0% (yoy) dan Commercial YoY growth in Commercial segment. This achievement was
sebesar 2,0% (yoy). Keberhasilan ini disertai dengan pengelolaan accompanied by prudent portfolio management, as reflected
portofolio yang sehat, tercermin dari rasio NPL bruto dan NPL neto in gross and net NPL ratios of 2.1% and 0.2%, respectively-both
masing-masing 2,1% dan 0,2%, lebih baik jika dibandingkan target better than the RBB targets of 2.3% and 0.4%.
RBB sebesar 2,3% dan 0,4%.
Terkait aktivitas penghimpunan dana, Permata Bank berhasil In funding activities, Permata Bank effectively optimized the
mengelola Dana Pihak Ketiga (DPK) secara optimal. Hingga akhir management of Third-Party Funds (TPF). By year-end 2025,
tahun 2025, DPK tercatat sebesar Rp192,82 triliun, tumbuh 4,0% TPF reached IDR 192.82 trillion, reflecting 4.0% YoY growth.
(yoy). Meskipun sedikit di bawah target RBB, pencapaian ini sejalan Although slightly below the RBB target, this achievement aligns
dengan strategi Bank untuk menjaga rasio Loan to Deposit Ratio with the Bank’s strategy to maintain an optimal Loan-to-Deposit
(LDR) pada tingkat optimal 85,0%, guna memastikan likuiditas Ratio (LDR) of 85.0%, ensuring robust liquidity while delivering
yang sehat sekaligus memberikan return yang lebih optimal bagi sustainable returns throughout the year. In line with TPF growth,
Bank sepanjang tahun. Seiring dengan pertumbuhan DPK, rasio the CASA ratio remained robust at 64.0%, reaffirming the strength
dana murah (CASA) juga terjaga di level sehat sebesar 64,0%. of Permata Bank’s liquidity and funding strategy, which focuses on
Pencapaian ini mencerminkan efektivitas strategi manajemen sustainable, low-cost sources of funds.
likuiditas dan pendanaan Permata Bank yang berfokus pada
sumber dana murah dan berkesinambungan.
Dalam hal profitabilitas, pendapatan bunga Permata Bank In terms of profitability, Permata Bank recorded interest income
sepanjang 2025 tercatat sebesar Rp10,02 triliun, atau sesuai of IDR 10.02 trillion in 2025, or inline with the RBB target. This
dengan target RBB. Pencapaian ini terutama didorong oleh performance was primarily driven by prudent loan growth and
pertumbuhan kredit yang sehat serta optimalisasi aset produktif. the effective optimization of productive assets. In line with strong
Sejalan dengan kinerja pendapatan yang positif, laba operasional revenue results, operating profit reached IDR 4.62 trillion, 1.0%
Bank mencapai Rp4,62 triliun, 1,0% di atas target RBB yang above the RBB target driven by higher operating income.
didukung oleh peningkatan pendapatan operasional Bank.
Seiring dengan kemampuan Bank mencetak laba, sejumlah rasio Alongside the Bank’s strong profitability, key financial ratios
keuangan utama Permata Bank menunjukkan kinerja solid. Rasio reflected solid performance. The NIM stood at 4.0%, ROA at 1.7%,
NIM tercatat 4,0%, ROA 1,7%, CIR 49,6% dan BOPO 76,6%, selaras CIR at 49.6%, and BOPO at 76.6%, all in line with the RBB targets,
dengan target RBB yang ditetapkan. Hal ini mencerminkan reflecting effective asset management throughout the year.
efektivitas pengelolaan aset sepanjang tahun. Sementara itu, Meanwhile, ROE was recorded at 6.8%, slightly below the RBB
rasio ROE sebesar 6,8% sedikit di bawah target RBB 7,0%. target of 7.0%.
36 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 39
Kinerja yang positif ini juga tercermin pada posisi permodalan This positive performance was further reflected in the Bank’s
Bank yang tetap kuat. Rasio CET-1 dan KPMM masing-masing strong capital position. The CET-1 ratio stood at 26.7% and CAR
tercatat sebesar 26,7% dan 34,7% di tahun 2025, terealisasi di at 34.7% in 2025, both exceeding the RBB targets of 24.7% and
atas target RBB sebesar 24,7% dan 31,7%. 31.7%, respectively.
Pencapaian kinerja Bank di akhir tahun 2025 yang relatif baik The Bank’s solid performance at the end of 2025, relative to its
dibandingkan dengan rencana kerja awal menjadi acuan initial business plan, serves as a key benchmark for assessing the
penting bagi Bank dalam mengevaluasi efektivitas strategi yang effectiveness of implemented strategies and provides a strong
dijalankan, sekaligus menjadi dasar penetapan target-target foundation for setting more realistic targets in the years ahead.
yang lebih realistis untuk tahun-tahun mendatang.
Uraian perbandingan antara target dan realisasi kinerja The comparison between the Bank’s financial performance
keuangan Bank untuk periode yang berakhir pada 31 Desember targets and actual results for the period ended 31 December
2025 apabila dibandingkan dengan target RBB tahun 2025, 2025, against the 2025 RBB benchmarks, is presented below:
adalah sebagai berikut:
2025
Parameter dan Rasio Keuangan Financial Parameters and Ratios
Realisasi
Target
Realization
Posisi Keuangan | Financial Position
Jumlah aset (miliar Rupiah) 272.376 268.342 Total asset (billions of Rupiah)
Jumlah kredit (miliar Rupiah) 169.940 163.335 Total loans (billions of Rupiah)
Laba (Rugi) | Profit (Loss)
Pendapatan usaha (miliar Rupiah) 12.363 12.635 Operating income (billions of Rupiah)
Laba Bersih (miliar Rupiah) 3.558 3.588 Net Profit (billions of Rupiah)
Permodalan | Capital
KPMM 34,6% 34,6% CAR
CET 1 24,7% 26,6% CET 1
Kebijakan Dividen | Dividend Policy
Pembayaran Dividen Tunai (2025) (miliar Rupiah) 817 1.085 Cash Dividend Payment (2025) (billions of Rupiah)
Lain-lain | Others
Rasio Imbal Hasil Ekuitas 7,0% 6,8% ROE
Rasio Imbal Hasil Aset 1,7% 1,7% ROA
NIM 4,1% 4,0% NIM
BOPO 76,8% 76,6% Operating Cost to Operating Revenues
CIR 50,3% 49,6% CIR
Rasio CASA 57,0% 64,0% CASA Ratio
LDR 85,0% 85,0% LDR
NPL - bruto 2,25% 2,08% NPL - gross
NPL - bersih 0,41% 0,24% NPL - net
Berdasarkan data pada tabel di atas, sebagian besar segmen The data shows that most of Permata Bank’s business segments
bisnis Permata Bank menunjukkan kinerja positif dengan delivered strong performance, hitting all RBB targets by year-
pencapaian sesuai target RBB hingga akhir tahun 2025. Hasil end 2025. This achievement highlights the success of the Bank’s
ini mencerminkan efektivitas strategi bisnis serta ketangguhan strategic initiatives and demonstrates its strong operational
operasional Bank sepanjang tahun. Di sisi lain, Bank tetap resilience throughout the year. At the same time, the Bank
memantau sejumlah indikator kinerja yang masih memiliki ruang monitored key performance indicators that offered room for
untuk peningkatan, khususnya terkait pertumbuhan kredit yang further improvement, particularly in loan growth, which remained
terus dioptimalkan dengan tetap menerapkan prinsip kehati- a priority while adhering to prudent risk management principles.
hatian. Upaya peningkatan pada area tersebut diharapkan Strengthening these areas is expected to reinforce the foundation
dapat semakin memperkuat fondasi pertumbuhan berkelanjutan for sustainable growth and enhance the Bank’s competitiveness
sekaligus menjaga daya saing Bank di tengah dinamika industri amid an increasingly dynamic and challenging banking
perbankan yang semakin kompetitif. landscape.
2025 Sustainability Report PT Bank Permata Tbk. 37
Page 40
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Rencana Aksi
Keuangan Berkelanjutan (RAKB)
Sustainable Finance Action Plan (RAKB)
Pelaksanaan keuangan berkelanjutan pada tahun 2025 The implementation of sustainable finance in 2025 by Permata
dijalankan Permata Bank dengan mengacu pada Rencana Bank was carried out with reference to the Sustainable Finance
Aksi Keuangan Berkelanjutan (RAKB) Periode 2024–2028 yang Action Plan (Rencana Aksi Keuangan Berkelanjutan/RAKB) for
telah ditetapkan sebagai panduan strategis jangka menengah. the 2024–2028 period, which has been established as a medium-
Progress pencapaian RAKB dilaporkan setiap tahun kepada term strategic guideline. Progress on the achievement of the RAKB
Otoritas Jasa Keuangan (OJK). is reported annually to the Financial Services Authority (OJK).
Dalam implementasinya sepanjang periode pelaporan 2025, In its implementation throughout the 2025 reporting period, the
Bank memfokuskan pelaksanaan RAKB pada sejumlah prioritas Bank focused the execution of the RAKB on several strategic
strategis. Fokus tersebut mencakup: priorities. These priorities include:
1. Meningkatkan portofolio pembiayaan sesuai kriteria 1. Increasing the financing portfolio in line with the regulator’s
keuangan berkelanjutan dari regulator; sustainable finance criteria;
2. Mengembangkan produk/solusi pembiayaan berkelanjutan; 2. Developing sustainable financing products and solutions;
3. Mengelola risiko terkait iklim; 3. Managing climate-related risks;
4. Mendukung tercapainya net zero emission (NZE) dalam 4. Supporting the achievement of net zero emissions (NZE) in
kegiatan operasional Bank; the Bank’s operational activities;
5. Menerapkan pengadaan berkelanjutan; 5. Implementing sustainable procurement practices;
6. Melaksanakan seri pembelajaran terkait keberlanjutan; 6. Conducting a series of learning programs related to
sustainability;
7. Menerapkan diversity, equity, and inclusion (DEI); dan 7. Implementing diversity, equity, and inclusion (DEI); and
8. Menciptakan dampak positif bagi lingkungan dan sosial 8. Creating positive environmental and social impacts for the
masyarakat. community.
Ke depan, Permata Bank akan terus melanjutkan implementasi Going forward, Permata Bank will continue to implement
keuangan berkelanjutan melalui 8 fokus tersebut dan ditambah sustainable finance through the 8 focus areas and will further
fokus pada pencapaian NZE dalam kegiatan pembiayaan. strengthen its focus on achieving NZE in its financing activities.
Permata Bank telah menetapkan target jangka panjang untuk Permata Bank has set long-term targets to achieve NZE in its
NZE dalam kegiatan operasional (scope 1 dan 2) pada 2030 dan operational activities (Scope 1 and Scope 2) by 2030, and NZE in
NZE dalam kegiatan pembiayaan pada 2052. its financing activities by 2052.
Selama tahun 2025, peningkatan kompetensi karyawan Throughout 2025, employee competency development will be
dilakukan secara berkelanjutan sebagai landasan dalam continuously implemented as a foundation for supporting the
mendukung keberhasilan RAKB, melalui berbagai program success of the Sustainability Action Plan (RAKB), through various
pembelajaran di bidang keberlanjutan yang dikembangkan sustainability learning programs developed by the Sustainability
oleh Divisi Sustainability berkoordinasi dengan Divisi Learning Division in coordination with the Learning & Development Division.
& Development. Upaya tersebut diperkuat dengan adanya These efforts will be strengthened by aligning the organizational
penyelarasan struktur organisasi, budaya, sistem pengendalian, structure, culture, control systems, and operational policies and
serta kebijakan dan prosedur operasional agar sejalan dengan procedures to align with sustainability principles.
prinsip keberlanjutan.
38 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 41
Pada 2025, Permata Bank mengimplementasikan Rencana Aksi In 2025, Permata Bank implemented the Sustainable Finance
Keuangan Berkelanjutan (RAKB) Periode 2024–2028 melalui Action Plan (RAKB) for the 2024–2028 period through a series of
serangkaian inisiatif yang dibagi ke dalam sejumlah segmen initiatives divided into several key activity segments, such as:
kegiatan utama seperti:
Segmen
Kegiatan Activities
Segment
Segmen Corporate dan 1. Meningkatkan pembiayaan Kegiatan Usaha 1. Increased financing for Environmentally Friendly
Commercial Banking Berwawasan Lingkungan (KUBL) sebanyak 48,3% Business Activities (KUBL) by 48.3% compared to 2024.
Corporate and dibanding tahun 2024
Commercial Banking 2. Menyelenggarakan Seminar Economic Outlook 2026 2. Held the 2026 Economic Outlook Seminar, attended
Segments yang dihadiri oleh 316 nasabah dengan pembahasan by 316 customers, with sustainability as one the panel
topik terkait keberlanjutan di salah satu diskusi discussion topics.
panelnya.
3. Melakukan kunjungan rutin kepada nasabah 3. Conducting regular visits to customers and adding
serta menambahkan pembahasan terkait aspek discussions related to sustainability aspects (more than
keberlanjutan (lebih dari 10 kali kunjungan yang 10 visits made by the Corporate Banking team to discuss
dilakukan tim Corporate Banking dengan membahas sustainability aspects).
terkait aspek keberlanjutan).
4. Menyalurkan pembiayaan kendaraan EV kepada 4. Disbursed EV vehicle financing to several multifinance
beberapa perusahaan multifinance. companies.
5. Menyalurkan Sustainability-Linked Loan untuk 5. Disbursed Sustainability-Linked Loans for customer
pembiayaan proyek nasabah dengan total sebesar project financing totaling IDR 1.6 trillion as of December
Rp1,6 triliun di Desember 2025. 2025.
Consumer Banking dan 1. Pembiayaan KPR Hijau (Green Mortgage) sebesar 1. Green Mortgage financing of IDR 168.19 billion for the
Unit Usaha Syariah Rp168,19 miliar untuk segmen sharia dan Rp544,59 Sharia segment and IDR 544.59 billion for the Consumer
Retail Banking Segment miliar untuk segmen consumer banking. Banking segment.
and the Sharia Business 2. Pembiayaan kendaraan listrik (EV) sebesar Rp7,02 miliar 2. Electric Vehicle (EV) financing of IDR 7.02 billion for the
Unit untuk segmen sharia dan Rp86,47 miliar untuk segmen Sharia segment and IDR 86.47 billion for the Consumer
consumer. segment.
3. Pembiayaan bagi Usaha Kecil Menengah (UKM) sebesar 3. Financing for Small and Medium Enterprises (SMEs) of
Rp417,7 miliar untuk segmen sharia dan Rp5.209,43 IDR 417.7 billion for the Sharia segment and IDR 5,209.43
miliar untuk segmen consumer. billion for the Consumer segment.
4. Pengembangan perbankan digital untuk pembukaan 4. Digital banking development for account opening
rekening dan transaksi perbankan, termasuk komunikasi and banking transactions, including customer
kepada nasabah melalui e-channel dengan contoh communication via e-channels, with examples of
pengembangan sebagai berikut: developments as follows:
• Pengajuan produk berbasis parameter risiko • Product submission based on risk parameters
melalui aplikasi Permata ME through the Permata ME application.
• Fitur QRIS Tap berbasis NFC untuk pembayaran di • NFC-based QRIS Tap feature for payments at
merchant & moda transportasi merchants and transportation modes.
• Fitur QRIS Border untuk pembayaran menggunakan • QRIS Border feature for payments using QRIS in
QRIS di Jepang melalui Permata ME Japan through Permata ME.
• Fitur untuk kelola limit transaksi & fungsi atas kartu • Feature for managing transaction limits and debit
debit card functions.
• Fitur untuk melakukan penguncian rekening secara • Feature for independently locking accounts to
mandiri guna memberikan rasa aman lebih kepada provide greater security for customers.
nasabah.
5. Penawaran Green Bond kepada nasabah dengan total 5. Offering Green Bonds to customers totaling IDR 74.24
74,24 miliar untuk segmen consumer. billion for the consumer segment (Sharia-compliant in
2025)
Treasury Penempatan/investasi pada Sustainable/Green Bond Placement/investment in Sustainable/Green Bonds
sebesar Rp2.723,50 miliar untuk mendukung pertumbuhan amounting to IDR 2,723.50 billion to support sustainable
ekonomi berkelanjutan. economic growth.
2025 Sustainability Report PT Bank Permata Tbk. 39
Page 42
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Segmen
Kegiatan Activities
Segment
Risiko 1. Kaji ulang tahunan ERMF dilaksanakan sebanyak satu 1. An annual review of the ERMF will be conducted once
Risks kali selama tahun 2025, dengan memastikan prinsip during 2025, ensuring that sustainability principles are
keberlanjutan tetap dikembangkan dalam kerangka continuously developed within the risk management
kerja manajemen risiko. framework.
2. Pelaksanaan dan pelaporan piloting Bottom-Up 2. Implementation and reporting of the Bottom-Up
Climate Risk Management & Scenario Analysis Climate Risk Management & Scenario Analysis (CRMS)
(CRMS) pada rentang waktu Januari – Agustus 2025 pilot will be conducted between January and August
termasuk meningkatkan cakupan menjadi 100% 2025, including increasing coverage to 100% of the
portfolio pinjaman serta melakukan pembaharuan loan portfolio and updating macroeconomic data
data makro ekonomi berdasarkan NGFS phase 5. based on NGFS phase 5. In calculating emissions from
Dalam perhitungan emisi dari aktivitas pembiayaan, financing activities, the Bank will also improve the
Bank juga meningkatkan kualitas data emisi dengan quality of emissions data by adding Tier 2 data from
menambahkan data Tier 2 dari 10 debitur pada segmen 10 debtors from corporate segment obtained from the
korporasi yang diperoleh dari Sustainability Report. Sustainability Report. Climate risk impact assessments
Penilaian dampak risiko iklim dilakukan terhadap risiko will be conducted for transition risks and physical risks.
risiko transisi dan risiko fisik.
3. Melakukan sosialisasi hasil pelaksanaan CRMS 3. CRMS implementation results will be disseminated to
kepada unit bisnis dan unit kredit untuk meningkatkan business units and credit units to increase awareness
kesadaran dan pemahaman dampak dari risiko iklim. and understanding of the impacts of climate risk.
4. Pengkajian tahunan Risk Appetite Statement (RAS) dan 4. Annual reviews of Risk Appetite Statement (RAS) and
Risk Tolerance terhadap semua jenis risiko sebanyak Risk Tolerance for all risk types will be conducted once a
satu kali dalam setahun. year.
5. Mempresentasikan dan mendiskusikan perkembangan 5. Presenting and discussing the latest developments
terkini terkait keberlanjutan dan risiko iklim pada rapat related to sustainability and climate risk at 5 risk
komite risiko baik RMC dan RMOC sebanyak 5 agenda committee meetings for both the RMC and RMOC
sepanjang tahun 2025. throughout 2025.
6. Mengadakan Forum Diskusi terkait Risiko Iklim sebanyak 6. Convening five Climate Risk Discussion Forums
lima kali selama tahun 2025 yang dihadiri pada PIC RFO throughout 2025, attended by the Climate Risk RFO PIC.
Risiko Iklim.
7. Mempersiapkan prosedur pelaksanaan uji ketahanan 7. Preparing procedures for implementing climate risk
risiko iklim dan prosedur perhitungan emisi dari aktivitas stress tests and calculating emissions from financing
pembiayaan. activities.
8. Mempersiapkan integrasi data terkait risiko iklim 8. Preparing the integration of climate risk data into
kedalam sistem internal. internal systems.
9. Penerapan pelaporan THI dan TKBI sesuai dengan 9. Implementing THI and TKBI reporting in accordance
ketentuan regulator. with regulatory requirements.
10. Pengembangan ketentuan internal terkait ESRA dan 10. Developing internal regulations related to ESRA and
pembiayaan berkelanjutan. sustainable financing.
11. Pengembangan sistem internal Bank untuk mendukung 11. Developing the Bank’s internal systems to support
kebutuhan pelaporan antara lain yang mencakup reporting requirements, including the Indonesian Green
klasifikasi Taksonomi Hijau Indonesia (THI), THI Tematik, Taxonomy (THI), Thematic THI, and KUBL classifications.
dan KUBL.
Operasional Meningkatkan efisiensi operasional dengan melaksanakan Improving operational efficiency by implementing initiatives
Operations inisiatif-inisiatif yang akan mengurangi penggunaan sumber that will reduce resource use in daily operations, such as:
daya di kegiatan operasional sehari-hari seperti:
1. Sertifikasi Green Building di Permata Bank Bintaro dan 1. Green Building Certification at Permata Bank Bintaro
Merdeka Bandung and Merdeka Bandung
2. Pemakaian panel surya di Bintaro 2. Using solar panels in Bintaro
3. Digitalisasi sistem dan proses internal bank 3. Digitizing internal bank systems and processes
4. Kampanye hemat energi, kertas, dan air 4. Energy, paper, and water saving campaigns
5. Sosialisasi budaya keberlanjutan 5. Socializing a culture of sustainability
6. Menggunakan lampu LED yang hemat energi 6. Utilising energy-efficient LED lamps
7. Pemakaian kendaraan listrik sebanyak 1 mobil 7. Utilising of one unit of electric car
8. Pengaturan mati-nyala lampu dan AC di Gedung Bintaro 8. Adjusting lighting and air conditioning on and off in
Sektor 7 Tangerang Selatan Bintaro Office Sector 7 South Tangerang
Sustainable Melaksanakan dua batch webinar bisnis berkelanjutan di Conducted two batches of sustainable business webinars
Procurement tahun 2025 bagi vendor yang menjangkau 194 vendor sejak for vendors in 2025, reaching 194 vendors since 2024,
2024, setara dengan 58% dari total mitra aktif, serta mewakili representing 58% of total active partners and accounting for
86% dari total nilai belanja kontrak aktif. 86% of total active contract spending.
Learning Series Melakukan program pelatihan terkait keberlanjutan dengan Conducted sustainability-related training programs by
menyelenggarakan 12 judul pelatihan dengan total 19.684 organizing 12 training titles with a total of 19,684 participants.
partisipan. Pelatihan didominasi melalui e‑learning sebanyak The training was predominantly conducted through
19.245 partisipan, disusul InClass 439 partisipan. Mayoritas e-learning, with 19,245 participants, followed by in-class
materi berada pada level dasar dengan 19.600 partisipan training with 439 participants. The majority of the material
dengan penguatan Intermediate sebanyak 84 partisipan was at the basic level, with 19,600 participants, with 84
melalui kelas tatap muka. participants providing intermediate training through face-to-
face classes.
40 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 43
Segmen
Kegiatan Activities
Segment
Diversity, Equity, and Inisiatif DEI di Permata Bank tidak hanya berfokus pada Permata Bank’s DEI initiatives not only focus on women’s
Inclusion (DEI) pemberdayaan perempuan, tetapi juga mendorong empowerment, but also encourage the active participation of
partisipasi aktif karyawan pria sebagai mitra strategis dalam male employees as strategic partners in creating an inclusive
menciptakan lingkungan kerja yang inklusif dan setara, and equitable work environment. Some of 2025 DEI agendas
beberapa agenda DEI 2025 adalah sebagai berikut: are as follows:
1. Women's Talk: Embracing Menopause as a Woman's 1. Women’s Talk: Embracing Menopause as a Woman’s
Journey, dilaksanakan pada 7 Maret 2025 Journey, held on 7 March 2025
2. Women's Talk: Bedah Buku Trilogi Kartini, dilaksanakan 2. Women’s Talk: Reviewing Kartini’s Trilogy Books, held on
pada 16 April 2025 16 April 2025
3. Women's Talk: Empowered Women, Empowering 3. Women’s Talk: Empowered Women, Empowering
Mothers - Navigating Parenthood with Purpose, Mothers – Navigating Parenthood with Purpose, held on
dilaksanakan pada 13 Juni 2025 13 June 2025
4. DEI Talk Show: Kesuburan Dimulai dari Dalam: Nutrisi, 4. DEI Talk Show: Fertility Starts from Within – Nutrition,
Stres, dan Keseimbangan Hormon pada Pria & Wanita“, Stress, and Hormonal Balance for Men & Women, held
dilaksanakan pada 12 November 2025 on 12 November 2025
5. DEI Event: Berkriya dengan Hati “Kolaborasi kreatif yang 5. DEI Event: Acting with Heart –“Creative Collaboration
memberdayakan dan menyatukan” dilaksanakan pada that Empowers and Unites”, held on 19 November 2025
19 November 2025
Tanggung Jawab Sosial 1. Memberikan edukasi kepada pemangku kepentingan, 1. Provide education to stakeholders, including the public
dan Lingkungan (TJSL) termasuk masyarakat dan nasabah terkait literasi and customers, regarding financial and environmental
CSER keuangan dan lingkungan melalui beragam, seperti literacy through the activity such as flagship programs,
program-program flagship, pelatihan kewirausahaan inclusive entrepreneurship training, education, and direct
inklusif, edukasi dan kunjungan langsung ke sekolah dan visits to schools and customers, which will be carried out
nasabah yang dilaksanakan 156 kali di tahun 2025. 156 times in 2025.
2. Melakukan pelaporan awal terkait program TJSL untuk 2. Conduct initial reporting on the CSER program to
mengukur baseline keikutsertaan Employee Volunteers measure the baseline participation of Employee
(EVO) dan penerima manfaat. Volunteers (EVO) and beneficiaries.
3. Melakukan Sustainability Campaign melalui email blast 3. Conduct a Sustainability Campaign via email blast to all
kepada seluruh karyawan sebanyak 39 artikel. employees totaling 39 articles.
General Sustainability 1. Menyusun dan menerbitkan Kebijakan Keberlanjutan 1. Develop and publish a Sustainability Policy as an
(Sustainability Policy) yang merupakan kebijakan umbrella policy that masters the implementation of
payung terkait penerapan keberlanjutan di Permata sustainability at Permata Bank.
Bank.
2. Menyelenggarakan workshop dan sosialisasi terkait 2. Conducted 9 workshops and outreach sessions on
budaya keberlanjutan sebanyak 9 kali, yang dihadiri sustainability culture, attended by 629 participants from
oleh 629 peserta dari culture network Permata Bank. Permata Bank’s culture network.
2025 Sustainability Report PT Bank Permata Tbk. 41
Page 44
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Komitmen atas
Keuangan Berkelanjutan [F.3][FN-CB-000.B]
Sustainable Finance Commitment
Permata Bank mengintegrasikan prinsip keuangan berkelanjutan Permata Bank integrates sustainable finance principles as
sebagai bagian dari strategi bisnis jangka panjang. Sejalan part of its long-term business strategy. In line with global trends
dengan tren global dan arahan Otoritas Jasa Keuangan, Bank and guidance from the Financial Services Authority, the Bank
secara aktif menyesuaikan kebijakan dan praktik penyaluran actively adjusts its financing policies and practices to align with
pembiayaan agar selaras dengan aspek lingkungan dan sosial. environmental and social aspects. This approach is applied to
Pendekatan ini diterapkan untuk memastikan bahwa aktivitas ensure that financing activities are not solely focused on financial
pembiayaan tidak hanya berorientasi pada kinerja finansial, performance, but also take into account their impacts on society
tetapi juga memperhatikan dampaknya terhadap masyarakat and the environment.
dan lingkungan.
Permata Bank mengembangkan dan melaksanakan sejumlah Permata Bank develops and implements a number of initiatives
inisiatif yang terintegrasi dalam kegiatan bisnis dan operasional, that are integrated into its business and operational activities,
antara lain: including:
1. Penyaluran Kredit pada Kegiatan Usaha Berkelanjutan 1. Credit Disbursement for Sustainable Business Activities
[FN-CB-240a.1] [FN-CB-240a.1]
Melalui penyaluran pembiayaan berkelanjutan, Permata Through the disbursement of sustainable financing, Permata
Bank mengalokasikan kredit kepada Kategori Kegiatan Usaha Bank allocated credit to the Sustainable Business Activity
Berkelanjutan (KKUB) dengan total nilai mencapai Rp30,1 Category (Kategori Kegiatan Usaha Berkelanjutan/KKUB)
Triliun. Dari jumlah tersebut, pembiayaan untuk Kegiatan with a total value of IDR 30.1 trillion. Of this amount, financing
Usaha Berwawasan Lingkungan (KUBL) tercatat sebesar for Environmentally Friendly Business Activities amounted to
Rp24,9 Triliun, dengan pertumbuhan KUBL sebesar 48,3% IDR 24.9 trillion, with KUBL recording growth of 48.3%
dibandingkan tahun sebelumnya, sementara pembiayaan compared to the previous year. Meanwhile, financing to the
kepada sektor Usaha Mikro, Kecil, dan Menengah (UMKM) Micro, Small, and Medium Enterprises (MSME) sector totalled
sebesar Rp5,2 Triliun, mengalami penurunan sebesar 9,97% IDR 5.2 trillion, representing a decrease of 9.97% compared
dibandingkan periode lalu. to the prior period.
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau Proyek yang
Sejalan dengan Penerapan Keuangan Berkelanjutan (Rp Juta) [F.3]
Comparison of Target to Performance of Portfolio, Financing Target, or Investments in Financial Instruments or Projects in
Line with the Implementation of Sustainable Finance (IDR Million)
Uraian
2025 2024 2023
Description
Jumlah Produk yang Memenuhi Kategori Kegiatan Usaha Berkelanjutan (KKUB)
Number of Products that Meet Sustainable Business Activity Category
a. Penghimpunan Dana | Funding N/A N/A N/A
b. Penyaluran Dana | Lending 30.138.391 22.600.382 12.444.254
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Earning Assets of Sustainable Business Activities
a. Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan 30.138.391 22.600.382 12.444.254
Total Loans/Financing of Sustainable Business Activities
b. Total Non-Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan 132.823.864 130.882.618 128.406.943
Total Non-Credit/Sustainable Business Activity Financing
Persentase Jumlah Portofolio KKUB terhadap Total Kredit (%) 18,49 14,73 8,84
Percentage of the Sustainable Business Activities Category Portfolio to Total Loans
42 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 45
Portofolio Kredit KKUB (Rp Juta)
KKUB Loan Portfolio (IDR Million)
Uraian
2025 2024 2023
Description
Energi Terbarukan | Renewable Energy 8.445.324 6.319.305 3.892.761
Efisiensi Energi | Energy Efficiency 529.424 1.099.910 -
Pencegahan dan Pengendalian Polusi | Pollution Prevention and Control 6.011.990 4.112.124 1.217.491
Pengelolaan Sumber Daya Alam Hayati dan Penggunaan Lahan yang 4.915.028 2.527.001 280.000
Berkelanjutan
Management of Nature Biodiversity and Sustainable Land Use
Konservasi Keanekaragaman Hayati Darat dan Air - - -
Conservation of Land and Water Biodiversity
Transportasi Ramah Lingkungan | Environmentally Friendly Transportation 1.079.509 344.213 349.755
Pengelolaan Air dan Air Limbah (Efluen) yang Berkelanjutan 85.613 84.173 -
Sustainable Water and Wastewater (Effluent) Management
Adaptasi Perubahan Iklim | Climate Change Adaptation - - -
Produk yang Dapat Mengurangi Penggunaan Sumber Daya dan Menghasilkan 654.580 704.086 -
Lebih Sedikit Polusi (Eco Efficient)
Products that can Reduce Resource Use and Produce Less Pollution (Eco Efficient)
Bangunan Berwawasan Lingkungan yang Memenuhi Standar atau Sertifikasi yang 3.198.210 1.609.972 633.379
Diakui Secara Nasional, Regional, atau Internasional
Ecofriendly Buildings that Meet National, Regional, or Internationally Recognized
Standards or Certifications
Kegiatan Usaha dan/atau Kegiatan Lain yang Berwawasan Lingkungan Lainnya 9.269 13.224 -
Other Ecofriendly Business Operations and/or Activities
Jumlah Portofolio Pembiayaan Kategori Kegiatan Usaha Berwawasan 24.928.952 16.814.009 6.373.385
Lingkungan (KUBL)
Total Environmentally Friendly Business Activities (KUBL) Financing Portfolio
Kegiatan UMKM | MSME Activities 5.209.438 5.786.373 6.070.869
Jumlah Portofolio Pembiayaan Kategori Kegiatan Usaha Berkelanjutan (KKUB) 30.138.391 22.600.382 12.444.254
Total Sustainable Business Activity Category (KKUB) Financing Portfolio
Sertifikasi Debitur Sektor Perkebunan Kelapa Sawit
Certification of Debtors in the Palm Oil Plantation Sector
2025 2024 2023
Sertifikasi Sektor Kelapa Sawit Jumlah Jumlah Jumlah
Outstanding Outstanding Outstanding
Palm Oil Sector Certification Perusahaan Perusahaan Perusahaan
(Rp Miliar) (Rp Miliar) (Rp Miliar)
Number of Number of Number of
(Rp Billion) (Rp Billion) (Rp Billion)
Companies Companies Companies
RSPO 7 10.574 8 6.420 6 3.172
ISPO 2 994 1 246 2 527
ISPO & RSPO 2 354 2 442 4 811
Total 11 11.923 11 7.109 12 4.511
% Kelapa Sawit Tersertifikasi/Total
Outstanding Kelapa Sawit
92% 98% 99%
% Certified Palm Oil/Total Palm Oil
Outstanding
Salah satu portofolio KUBL yang menjadi fokus adalah One of the KUBL portfolios that is the focus is the Management
Pengelolaan Sumber Daya Alam Hayati dan Penggunaan of Biological Natural Resources and Sustainable Land Use,
Lahan yang Berkelanjutan, dimana Permata Bank where Permata Bank encourages customers in the palm
mengimbau nasabah di sektor industri kelapa sawit untuk oil industry sector to have Indonesian Sustainable Palm Oil
memiliki sertifikasi keberlanjutan Indonesian Sustainable (ISPO) and/or Roundtable on Sustainable Palm Oil (RSPO)
Palm Oil (ISPO) dan/atau Roundtable on Sustainable Palm certification.
Oil (RSPO).
2025 Sustainability Report PT Bank Permata Tbk. 43
Page 46
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Melalui penguatan kapasitas internal, Permata Bank Through the strengthening of internal capacity, Permata Bank
meningkatkan pemahaman dan kompetensi keuangan enhances understanding and competencies in sustainable
berkelanjutan melalui kolaborasi lintas unit, termasuk finance through cross-unit collaboration, including the
Divisi Sustainability, Divisi Learning & Development, Unit- Sustainability Division, Learning & Development Division,
unit Bisnis, Treasury, dan Risk. Upaya ini menjadi fondasi Business Units, Treasury, and Risk. These efforts form the
dalam pengembangan portofolio Kategori Kegiatan Usaha foundation for the development of the Sustainable Business
Berkelanjutan (KKUB) melalui berbagai inisiatif yang Activity Category (Kategori Kegiatan Usaha Berkelanjutan/
terintegrasi. Bank menyediakan solusi pembiayaan hijau KKUB) portfolio through various integrated initiatives. The
seperti green mortgage, pembiayaan kendaraan tenaga Bank provides green financing solutions such as green
listrik serta instrumen investasi berkelanjutan, termasuk green mortgages, electric vehicle financing, and sustainable
bonds. Selain itu, Bank mendorong inklusi keuangan dengan investment instruments, including green bonds. In addition,
menyediakan pembiayaan bagi perorangan berpenghasilan the Bank promotes financial inclusion by providing financing
rendah, serta memperluas akses layanan melalui digitalisasi to low-income individuals, as well as expanding access
dan pengembangan aplikasi maupun platform perbankan. to services through digitalisation and the development of
banking applications and platforms.
2. Penyaluran Pembiayaan Inklusif 2. Inclusive Financing Disbursement
Pada tahun 2025, Permata Bank terus berperan aktif In 2025, Permata Bank continued to play an active role
dalam mendorong inklusi keuangan melalui penyaluran in promoting financial inclusion through the provision of
pembiayaan kepada Usaha Mikro, Kecil, dan Menengah financing to Micro, Small, and Medium Enterprises (MSMEs)
(UMKM) serta Perorangan Berpenghasilan Rendah (PBR). and Low-Income Individuals. Inclusive financing is regarded
Pembiayaan inklusif dipandang sebagai instrumen strategis as a strategic instrument to expand access to financial
untuk memperluas akses layanan keuangan, mendorong services, encourage economic growth, improve community
pertumbuhan ekonomi, meningkatkan kesejahteraan welfare, and support national economic stability.
masyarakat, serta mendukung stabilitas perekonomian
nasional.
Sejalan dengan ketentuan regulator, Bank secara konsisten In line with regulatory requirements, the Bank consistently
memenuhi Rasio Pembiayaan Inklusif Makroprudensial complies with the stipulated Macroprudential Inclusive
(RPIM) yang ditetapkan, dengan capaian pada akhir tahun Financing Ratio (Rasio Pembiayaan Inklusif Makroprudensial/
pelaporan berada di atas batas minimum yang ditetapkan, RPIM), with the achievement at the end of the reporting year
yaitu sebesar 12,47% untuk konvensional dan 10,94% untuk exceeding the prescribed minimum threshold, amounting
syariah. to 12.47% for conventional banking and 10.94% for sharia
banking.
3. Perluasan Layanan Digital 3. Expansion of Digital Services
Di 2025, Permata Bank terus memperkuat pengembangan In 2025, Permata Bank continued to strengthen the
produk dan layanan perbankan digital sebagai bagian development of digital banking products and services as
dari upaya menghadirkan solusi keuangan yang inovatif part of its efforts to deliver innovative and environmentally
dan ramah lingkungan. Pemanfaatan layanan digital friendly financial solutions. The use of digital services enables
memungkinkan masyarakat, termasuk yang berada di the public, including those in areas with limited physical
wilayah dengan keterbatasan akses fisik ke kantor Bank, access to Bank branches, to obtain financial services easily
untuk memperoleh layanan keuangan secara mudah dan and efficiently. In addition to enhancing financial inclusion
efisien. Di samping meningkatkan inklusi dan kenyamanan and customer convenience, digitalisation also contributes to
nasabah, digitalisasi juga berkontribusi pada pengurangan reducing paper usage and minimising the need for physical
penggunaan kertas serta menekan kebutuhan mobilitas fisik, mobility, thereby supporting environmental conservation
sehingga mendukung upaya pelestarian lingkungan. efforts.
Pada tahun 2025, transaksi QRIS pada aplikasi Permata Me In 2025, QRIS transactions on the Permata Me application
mengalami peningkatan sebesar 83% dibandingkan periode increased by 83% compared to the previous period.
sebelumnya.
44 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 47
4. Integrasi aspek LST pada Bisnis 4. Integration of ESG Aspects into Business Activities
[FN-CB-410a.2][FN-CB-550a.2] [FN-CB-410a.2][FN-CB-550a.2]
Permata Bank menerapkan prinsip lingkungan, sosial, Permata Bank applies environmental, social, and governance
dan tata kelola (LST) sebagai bagian integral dari proses (ESG) principles as an integral part of its credit approval
persetujuan kredit yang diatur dalam Kebijakan Perkreditan process, as stipulated in the Credit Policy and the Sustainable
dan Kebijakan Khusus Pembiayaan Berkelanjutan. Nasabah Financing Special Policy. Customers operating in sectors with
pada sektor dengan tingkat risiko lingkungan dan sosial certain levels of environmental and social risk are required
tertentu diwajibkan memenuhi ketentuan peraturan yang to comply with applicable regulations and to undergo an
berlaku serta menjalani Penilaian Kebutuhan Lingkungan Environmental and Social Requirement Assessment (ESRA),
dan Sosial (Environment and Social Requirement with the assessment approach tailored to the characteristics
Assessment/ESRA), dengan pendekatan penilaian yang of each business sector. Compliance with ESRA constitutes
disesuaikan berdasarkan karakteristik sektor usaha. one of the key bases for credit decision-making, and the
Pemenuhan ESRA menjadi salah satu dasar utama dalam related policies are reviewed periodically to ensure alignment
pengambilan keputusan kredit, dan kebijakan terkait ditinjau with developments in sustainable finance regulations.
secara berkala untuk memastikan kesesuaiannya dengan
perkembangan regulasi keuangan berkelanjutan.
Dalam implementasinya, Bank mensyaratkan kelengkapan In its implementation, the Bank requires the completeness
dokumen lingkungan hidup seperti AMDAL/UKL/UPL dan of environmental documentation, such as Environmental
PROPER sejak tahap inisiasi hingga kajian tahunan kredit. Impact Assessments (AMDAL), Environmental Management
Nasabah yang tidak memenuhi persyaratan atau memiliki and Monitoring Efforts (UKL/UPL), and PROPER ratings,
peringkat PROPER merah atau hitam dikategorikan sebagai from the initiation stage through to the annual credit
berisiko tinggi. Penilaian juga mencakup telaah atas kinerja review. Customers that fail to meet these requirements or
keberlanjutan debitur apabila informasi tersebut tersedia. hold red or black PROPER ratings are categorised as high
risk. The assessment also includes a review of the debtor’s
sustainability performance, where such information is
available.
2025 Sustainability Report PT Bank Permata Tbk. 45
Page 48
Pertumbuhan
Berkelanjutan
Sustainable
Growth
Bank menyadari bahwa dampak utama terhadap lingkungan The Bank recognizes that its primary environmental
dan masalah sosial dapat terjadi melalui keputusan kredit and social impacts may arise through credit decisions.
yang dibuat, maka dari itu Bank mengatur: Accordingly, the Bank requires the following:
1. Seluruh proposal kredit harus menyertakan 1. All credit proposals must include consideration of
pertimbangan atas masalah-masalah lingkungan dan environmental and social issues where relevant.
sosial, di mana saja hal tersebut diperlukan.
2. Seluruh pengajuan kredit harus mempertimbangkan 2. All credit applications must take into account applicable
standar lingkungan dan sosial yang berlaku baik secara environmental and social standards, both internationally
internasional maupun melalui hukum dan peraturan and under prevailing laws and regulations in Indonesia.
yang berlaku di Indonesia.
3. Risiko yang berkaitan dengan masalah lingkungan dan 3. Risks related to environmental and social issues are
sosial dikenali, dievaluasi, dan jika relevan, dimitigasi identified, assessed, and, where relevant, mitigated.
secara lebih baik.
Proses identifikasi terhadap implementasi keuangan The identification process for sustainable finance
berkelanjutan dan analisa ESRA dilakukan bersamaan pada implementation and the ESRA analysis are conducted in
saat pengajuan proposal kredit yang diinformasikan melalui parallel at the time of submitting the Credit Facility Request
media Proposal Kredit. (CFR), as documented in the Credit Proposal.
Saat ini Permata Bank mengatur empat parameter untuk Permata Bank currently applies four parameters for
identifikasi keuangan berkelanjutan (selain ESRA) yang wajib sustainable finance identification (in addition to ESRA) that
dianalisa dan dituangkan dalam proposal kredit oleh unit must be analyzed and documented in the credit proposal
bisnis sesuai karakteristik usaha debitur. Pengisian informasi by the business unit, based on the debtor’s business
atas parameter tersebut harus mencakup Kode Klasifikasi characteristics. Completion of these parameters must include
dan Deskripsi yang sesuai dengan kode. Adapun empat the relevant classification code and the corresponding
parameter tersebut meliputi: Sektor ekonomi KBLI level 5, description. The four parameters are: KBLI economic sector
Klasifikasi TKBI, Klasifikasi KUBL, dan Klasifikasi Thematic. (Level 5), TKBI Classification, KUBL Classification, and
Thematic Classification.
Analisa ini selalu diperbaharui sesuai dengan kondisi This analysis is updated to reflect the debtor’s latest
debitur ter-update, umumnya pembaharuan data dilakukan conditions. Updates are generally conducted during facility
pada saat proses perpanjangan fasilitas, pada proses renewal processes, where the RM is required to ensure that
perpanjangan fasilitas, RM harus memastikan kesesuaian all sustainable financing analysis information is consistent
seluruh informasi terkait dengan hasil analisa pembiayaan with the data recorded in the system.
berkelanjutan dengan informasi yang ada di dalam sistem.
Untuk mendukung efektivitas pengelolaan risiko, Permata To support the effectiveness of risk management, Permata
Bank memanfaatkan teknologi digital dalam pengumpulan Bank leverages digital technology in the collection and
dan analisis data nasabah guna memastikan kesesuaian analysis of customer data to ensure compliance with ESG
dengan kebijakan risiko LST. Selain itu, Bank menerapkan risk policies. In addition, the Bank applies the Indonesian
Taksonomi Hijau Indonesia (THI) dan Taksonomi Keuangan Green Taxonomy (Taksonomi Hijau Indonesia/THI) and the
Berkelanjutan Indonesia (TKBI) untuk mengidentifikasi Indonesian Sustainable Finance Taxonomy (Taksonomi
portofolio pembiayaan berkelanjutan serta memantau Keuangan Berkelanjutan Indonesia/TKBI) to identify
debitur dengan risiko lingkungan dan sosial yang tinggi, sustainable financing portfolios and to monitor debtors with
sehingga penyaluran kredit tetap selaras dengan prinsip high environmental and social risks, thereby ensuring that
keuangan berkelanjutan yang ditetapkan oleh OJK. credit disbursement remains aligned with the sustainable
finance principles stipulated by the Financial Services
Authority.
46 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 49
5. Pengembangan Produk Keuangan Berkelanjutan 5. Development of Sustainable Financial Products
Permata Bank di 2025 meluncurkan Program KPR Hijau In 2025, Permata Bank launched the Green Mortgage
(Green Mortgage) dengan memberikan hadiah 5 pohon Program by providing 5 trees for each approved Green
untuk setiap 1 fasilitas KPR Hijau yang disetujui. Program ini Mortgage facility. This program was implemented in
berkolaborasi dengan WWF Indonesia. Melalui program ini, collaboration with WWF Indonesia. Through the program, 9
terdapat 9 akad KPR Hijau dengan total pohon yang sudah Green Mortgage agreements were executed, resulting in a
tertanam sebanyak 45 pohon di Bukit Tigapuluh, Jambi. total of 45 trees planted in Bukit Tigapuluh, Jambi.
Pada 15 Oktober 2025, Permata Bank bersama Kota Baru On 15 October 2025, Permata Bank, together with Kota Baru
Parahyangan, pengembang perumahan tersertifikasi Parahyangan, a Greenship-certified housing developer
Greenship di Bandung melaksanakan Ceremony Green in Bandung, held a Green Mortgage Ceremony under the
Mortgage dengan tema kegiatan “Every Home We Build is theme “Every Home We Build is a Seed of Hope”. The event
a Seed of Hope”. Kegiatan ini merupakan momentum yang served as a meaningful milestone and a demonstration of
sangat bermakna—sebuah bukti komitmen bersama dalam the parties’ shared commitment to supporting sustainable
mendukung pembangunan berkelanjutan di Indonesia. development in Indonesia.
Acara ini dihadiri oleh Nasabah sekaligus pemilik unit Cluster The event was attended by a customer and owner of a unit
Nilapadmi, Chief of Corporate Affairs Permata Bank, Direktur in the Nilapadmi Cluster, the Chief of Corporate Affairs
Kota Baru Parahyangan, Perwakilan dari WWF Indonesia, of Permata Bank, the Director of Kota Baru Parahyangan,
Green Building Council Indonesia, dan Komunitas Hayu Hejo. representatives of WWF-Indonesia and the Green Building
Council Indonesia, and the Hayu Hejo community.
Selain segmen Consumer, saat ini Permata Bank In addition to the Consumer segment, Permata Bank is
sedang dalam tahap pengembangan produk keuangan currently developing sustainable financial products for the
berkelanjutan untuk segmen Corporate dan Commercial. Di Corporate and Commercial segments. In 2025, the Bank
2025, Bank telah mulai melakukan persiapan-persiapan dan began preparatory work and benchmarking with peer banks.
studi banding dengan peer bank.
2025 Sustainability Report PT Bank Permata Tbk. 47
Page 50
Peduli terhadap Alam Caring for Nature
Page 51
Page 52
Peduli
terhadap Alam
Caring for
Nature
Pengendalian
Dampak Lingkungan
Environmental Impact Management
Meskipun kegiatan perbankan tidak secara langsung Although banking activities do not directly cause significant
menimbulkan dampak lingkungan yang signifikan, aktivitas environmental impacts, day-to-day operations still have potential
operasional sehari-hari tetap memiliki potensi dampak, seperti impacts, including energy use, paper consumption, and waste
penggunaan energi, konsumsi kertas, dan pengelolaan limbah. management. In addition, the Bank’s financing decisions
Selain itu, keputusan pembiayaan yang diambil Bank juga may also create indirect environmental impacts, particularly
dapat menimbulkan dampak lingkungan secara tidak langsung, where financing is extended to sectors or projects with higher
khususnya apabila pembiayaan disalurkan kepada sektor atau environmental risk profiles.
proyek dengan tingkat risiko lingkungan yang tinggi.
Dari hasil pilot bottom-up Climate Risk Management & Scenario Based on the 2025 bottom-up Climate Risk Management &
Analysis (CRMS) tahun 2025, Permata Bank mengidentifikasi Scenario Analysis (CRMS) pilot, Permata Bank identified the
dampak dari risiko iklim terhadap pembiayaan. Dalam jangka impacts of climate risk on its financing activities. Over the
panjang, pembiayaan pada sektor intensif karbon berpotensi long term, financing exposure to carbon-intensive sectors
mendorong peningkatan NPL, ATMR, dan CKPN karena sektor may contribute to higher NPLs, RWA, and ECL allowances, as
tersebut paling rentan terhadap risiko transisi, serta berkontribusi these sectors are the most vulnerable to transition risks and are
besar terhadap emisi Bank dari aktivitas pembiayaan. Perburukan significant contributors to the Bank’s financed emissions. The
kualitas kredit terbesar diproyeksikan terjadi pada sektor most significant deterioration in credit quality is projected to occur
pertambangan batubara, perkebunan & kelapa sawit, serta sektor in the coal mining sector, the plantation and palm oil sector, and
pengolahan. the manufacturing sector.
Hasil Kajian CRMS dipresentasikan dan disosialisasikan The CRMS assessment results were presented and socialized to
kepada manajemen senior, unit bisnis, dan unit terkait lainnya senior management, business units, and other relevant units to
untuk membangun kesadaran terkait risiko iklim walaupun build awareness of climate risks, although they have not yet been
belum menjadi acuan dalam menentukan strategi bisnis. Saat used as a primary reference in determining business strategy.
ini Bank fokus pada peningkatan kualitas data terkait risiko The Bank is currently focused on improving climate risk-related
iklim, penguatan metodologi pengukuran, serta peningkatan data quality, strengthening measurement methodologies, and
kemampuan SDM sehingga hasil Kajian dan pengukuran lebih enhancing human resource capabilities so that assessment and
kredibel dan dapat digunakan untuk tujuan yang lebih luas. measurement results are more credible and can be applied for
broader purposes.
Dari sisi operasional, Permata Bank mengintegrasikan prinsip From an operational perspective, Permata Bank integrates
pelestarian lingkungan dalam kebijakan operasional dan environmental conservation principles into its operational policies
mendorong penerapan budaya keberlanjutan di seluruh aktivitas and promotes the adoption of a sustainability culture across the
internal Bank. Bank’s internal activities.
Sebagai bagian dari upaya tersebut, di tahun 2025 Permata Bank As part of these efforts, in 2025 Permata Bank:
melakukan:
1. Kampanye hemat energi melalui berbagai platform internal 1. Conducted energy conservation campaigns through various
Bank (e-mail blast, Permata Portal/News, media sosial internal platforms (e-mail blasts, Permata Portal/News,
internal, digital signage). internal social media, and digital signage).
2. Penggantian lampu ke lampu LED yang lebih hemat energi 2. Replaced approximately 1,200 lights with more energy-
sebanyak kurang lebih 1.200 pcs. efficient LED lights.
3. Penggantian kendaraan Dewan Direksi menjadi EV. 3. Replaced Board of Directors’ vehicles with EVs.
4. Penyesuaian waktu nyala peralatan listrik (AC, lift, lampu) 4. Adjustment of electrical equipment start times (AC, elevators,
lebih lambat 30 menit di Gedung Bintaro Sektor 7 Tangerang. and lights) by 30 minutes in the Bintaro Sector 7 Building,
Tangerang.
5. Sertifikasi green building untuk Gedung Bintaro Sektor 7 5. Green building certification for the Bintaro Sector 7 Building
Tangerang Selatan dan Gedung Merdeka Bandung. in South Tangerang and the Merdeka Building in Bandung.
50 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 53
6. Penerapan tempat sampah terpilah (organik & non organik) 6. Implemented segregated waste bins (organic and non-
di gedung WTC II, Gedung Bintaro Sektor 7 Tangerang organic) at WTC II, Bintaro Sector 7 Building in South
Selatan, Hayam Wuruk, dan Gedung Merdeka Bandung. Tangerang, Hayam Wuruk, and Merdeka Building in Bandung.
7. Penggunaan water recycle di Gedung Bintaro Sektor 7 7. Used water recycling at the Bintaro Sector 7 Building in South
Tangerang Selatan. Tangerang.
8. Penggunaan solar panel di Gedung Bintaro Sektor 7 8. Used solar panels at the Bintaro Sector 7 Building in South
Tangerang Selatan. Tangerang.
9. Sosialisasi terkait penerapan budaya keberlanjutan kepada 9. Conducted socialization on the adoption of a sustainability
seluruh Culture Network Permata Bank. culture for the entire Permata Bank Culture Network.
10. Konsolidasi seluruh data emisi operasional di gedung dan 10. Consolidated operational emissions data throughout
cabang Permata Bank. Permata Bank’s offices and branches.
Biaya Pengelolaan Lingkungan
Environmental Management Costs
Pada tahun pelaporan 2025, Permata Bank merealisasikan biaya During the 2025 reporting period, Permata Bank incurred
pengelolaan lingkungan sebesar Rp123.923.400 yang berasal environmental management costs of IDR 123,923,400, arising
dari pelaksanaan pengelolaan lingkungan di 12 kantor utama. from the implementation of environmental management activities
Alokasi biaya tersebut mencakup kegiatan pengelolaan sampah across 12 main offices. This cost allocation includes environmental
sebagai bagian dari upaya Bank dalam meminimalkan dampak monitoring and testing activities, as well as waste management, as
lingkungan dari aktivitas operasional sehari-hari. [F.4] part of the Bank’s efforts to minimize the environmental impacts of
its day-to-day operations. [F.4]
Biaya Pengelolaan Lingkungan
Environmental Management Costs
Rp 123,92 Juta
Million
Juta
Rp182,81 Million
Juta
Rp193,63 Million
2025 2024 2023
2025 Sustainability Report PT Bank Permata Tbk. 51
Page 54
Peduli
terhadap Alam
Caring for
Nature
Penggunaan Material Ramah Lingkungan [F.5]
Use of Environmentally Friendly Materials
Permata Bank tidak menjalankan aktivitas produksi yang Permata Bank does not conduct production activities that directly
menggunakan bahan baku langsung, melainkan hanya use raw materials, and instead uses supporting materials for
memanfaatkan material pendukung untuk operasional perbankan day-to-day banking operations. In line with its commitment to
sehari-hari. Sejalan dengan komitmen terhadap pengelolaan environmental management, the Bank implements digitalization
lingkungan, Bank menerapkan digitalisasi proses kerja untuk of work processes to reduce the need for document printing,
menekan kebutuhan pencetakan dokumen, termasuk pada including for account opening services, teller transactions, report
layanan pembukaan rekening, transaksi teller, penyampaian submissions, and internal administration and documentation.
laporan, dan administrasi/dokumentasi internal.
Dalam penggunaan material fisik yang masih diperlukan, Bank Where physical materials remain necessary, the Bank prioritizes
memprioritaskan kertas yang telah memiliki sertifikasi lingkungan, paper with environmental certifications such as the Programme
seperti Programme for the Endorsement of Forest Certification for the Endorsement of Forest Certification (PEFC).
(PEFC).
Selain pengelolaan material, prinsip keberlanjutan juga Beyond materials management, sustainability principles are
diterapkan dalam pemilihan gedung perkantoran, di mana also applied in the selection of office buildings, where the WTC
gedung Kantor Pusat WTC II Sudirman telah tersertikasi Green II Sudirman Head Office building is certified Green Mark, and the
Mark , dan gedung Metropolitan Tower (Permata Learning Center) Metropolitan Tower (Permata Learning Center) is certified under
tersertifikasi GREENSHIP Existing Building peringkat Gold. GREENSHIP Existing Building with a Gold rating.
Pada tahun 2025, terdapat tambahan gedung Permata Bank In 2025, additional Permata Bank buildings received green
yang menerima sertifikasi green building, di antaranya: building certification, including:
1. Gedung Permata Bank Bintaro Sektor 7 Tangerang Selatan 1. Permata Bank Bintaro Sector 7 Building in South Tangerang
telah menerima GREENSHIP Certification dengan peringkat received a GREENSHIP Certification with a Gold rating from the
Gold oleh Green Building Council Indonesia. Selain itu, telah Green Building Council Indonesia. Futhermore, the Bank has
dilakukan penggantian lampu LED sebanyak kurang lebih replaced approximately 1,200 LED lights, utilized electricity
1.200 titik, pemakaian listrik dari solar panel sebesar kurang generated from solar panels of approximately 4,800 kWh
lebih 4.800 kWh per bulan, kampanye dan sosialisasi hemat per month, implemented energy-saving campaigns and
energi, pengaturan mati/nyala lampu, AC dan lift, dan socialization, applied lighting, air-conditioning, and lift on/off
monitoring pemakaian energi setiap bulan. scheduling, and monitored energy usage on a monthly basis.
2. Gedung Permata Bank Merdeka Bandung telah menerima 2. Permata Bank Merdeka Bandung Building received a
GREENSHIP Certification dengan peringkat Gold oleh Green GREENSHIP Certification with a Gold rating from the Green
Building Council Indonesia. Sejak tersertifikasi greenship, Building Council Indonesia. Since obtaining GREENSHIP
secara rutin dilakukan kampanye dan sosialisasi hemat certification, the Bank has routinely implemented energy-
energi, dan monitoring pemakaian energi setiap bulan. saving campaigns and socialization and monitored energy
usage on a monthly basis.
52 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 55
Pengelolaan Air dan Efluen
Water and Effluent Management
Pemantauan konsumsi air di lingkungan Permata Bank dilakukan Water consumption monitoring at Permata Bank is carried
dengan mengonsolidasikan data penggunaan dari 12 kantor out by consolidating usage data from 12 main offices across
utama yang tersebar di berbagai wilayah, termasuk Jakarta, multiple locations, including Jakarta, South Tangerang, Medan,
Tangerang Selatan, Medan, Palembang, Bandung, Surabaya, Palembang, Bandung, Surabaya, and Makassar. This approach
dan Makassar. Pendekatan ini digunakan untuk memperoleh provides a comprehensive view of water use patterns and serves
gambaran menyeluruh atas pola pemanfaatan air serta menjadi as the basis for evaluating the effectiveness of water management
dasar evaluasi efektivitas pengelolaan air di seluruh operasional across the Bank’s operations. Based on the 2025 evaluation,
Bank. Berdasarkan hasil evaluasi di tahun 2025, pemakaian water consumption across the 12 main offices decreased by 0.5%
air di 12 kantor utama mengalami penurunan sebesar 0.5% compared to 2024. Water usage data is calculated based on
dibandingkan dengan tahun 2024. Data penggunaan air dihitung consumption sourced from the municipal water utility (PAM) and
dari pemakaian yang berasal dari PAM dan perusahaan air local water companies. In 2025, Permata Bank also successfully
lokal. Pada tahun 2025, Permata Bank juga telah berhasil consolidated water consumption data from an additional 105
mengkonsolidasikan data konsumsi air di 105 gedung lainnya, buildings, bringing the total to 117 buildings with consolidated
sehingga total terdapat 117 gedung yang konsumsi air nya telah water consumption data.
dikonsolidasi.
Dalam menjalankan kegiatan operasional, kebutuhan air In its operations, the Bank’s water needs are met through supplies
Bank dipenuhi melalui pasokan perusahaan penyedia air dan from water service providers and the use of groundwater. To
pemanfaatan air tanah. Untuk menjaga kualitas air tanah maintain groundwater quality and ensure responsible wastewater
dan memastikan pengelolaan air limbah yang bertanggung management, the Bank implements supporting measures such
jawab, Bank menerapkan berbagai sarana pendukung, seperti as the construction of infiltration wells, the use of wastewater
pembangunan sumur resapan, penggunaan Instalasi Pengolahan treatment facilities (IPAL)/sewage treatment plants (STP), and
Air Limbah (IPAL)/Sistem Pengolahan Air Limbah (STP), serta the use of bioseptic tanks at the head office and branches. These
pemanfaatan bioseptic tank di kantor pusat dan cabang. Seluruh systems are supported by regular maintenance of wastewater
sistem tersebut didukung dengan perawatan berkala terhadap drainage channels. [F.14][303-1][303-2][303-4]
saluran pembuangan air limbah. [F.14][303-1][303-2][303-4]
Selain itu, upaya efisiensi konsumsi air juga dilakukan melalui In addition, the Bank also improves water efficiency through
penerapan teknologi dan inisiatif internal. Bank telah memasang the application of technology and internal initiatives. The Bank
keran otomatis di 3 kantor utama dan cabang Merdeka installed automatic faucets at 3 main offices and at the Merdeka
Bandung serta mengoperasikan instalasi daur ulang air limbah Bandung branch, and operated a wastewater recycling installation
(water recycle) di Kantor Bintaro Sektor 7 Tangerang Selatan at the Bintaro Sector 7 Office in South Tangerang to reuse water
untuk pemanfaatan kembali air pada penyiraman taman. for garden irrigation. This wastewater recycling installation saved
Instalasi daur ulang air limbah (water recycle) ini menghemat 257 m³ in 2025 for garden irrigation needs. These technical efforts
257 m3 pada tahun 2025 untuk kebutuhan penyiraman taman. were complemented by water-saving campaigns delivered to all
Upaya teknis ini dilengkapi dengan kampanye penghematan PermataBankers through Sustainability Journey email blasts to
air kepada seluruh PermataBankers melalui e-mail blast encourage more sustainable behavior. [303-1]
Sustainability Journey guna mendorong perubahan perilaku yang
lebih berkelanjutan. [303-1]
Pemakaian Air [F.8][303-5]
Water Consumption
Uraian Satuan
2025 2024 2023
Description Unit
Pemakaian Air m3 102.589*) 49.169 86.750
Water Consumption
Pendapatan Operasional Rp Triliun 12,55 12,08**) 11,95**)
Operating Income IDR Trillion
Intensitas Pemakaian Air m3/Rp Triliun 8.174,42 4.070,28 7.259,41
Water Consumption Intensity m3/IDR Trillion
Keterangan | Note:
*)
Kenaikan konsumsi pemakaian air di tahun 2025 dikarenakan penambahan cakupan perhitungan penggunaan air dari 12 cabang menjadi 117 cabang.
In increase in water consumption in 2025 is due to the increase in the scope of water usage calculations from 12 branches to 117 branches.
**)
Penyajian kembali yang disebabkan oleh reklasifikasi
Restatement due to reclassification
2025 Sustainability Report PT Bank Permata Tbk. 53
Page 56
Peduli
terhadap Alam
Caring for
Nature
Pengelolaan Limbah [306-1][306-2]
Waste Management
Secara operasional, limbah yang dihasilkan Permata Bank terdiri Operationally, waste generated by Permata Bank consists of
atas limbah B3 dan non-B3. Limbah B3 meliputi tinta cartridge, hazardous (B3) and non-hazardous (non-B3) waste. Hazardous
sedangkan limbah non-B3 berasal dari aktivitas perkantoran dan waste includes ink cartridges, while non-hazardous waste
domestik, seperti sampah umum, boks arsip yang dihancurkan, originates from office and domestic activities, such as general
limbah cair, dan limbah kartu. Pengelolaan kedua jenis limbah waste, destroyed archive boxes, wastewater, and card waste.
tersebut dilaksanakan oleh pihak ketiga yang ditunjuk oleh The management of both waste types is carried out by third
pengelola gedung sesuai dengan ketentuan yang berlaku. parties appointed by building management in accordance with
applicable requirements.
Berbagai inisiatif telah dilakukan untuk mengurangi jumlah Permata Bank implemented various initiatives to reduce card
limbah kartu di Permata Bank diantaranya: waste, including:
1. WhatsApp blast notifikasi kartu yang dikembalikan. 1. WhatsApp blast notifications for returned cards.
2. Memperbaiki masalah bug pada alamat sehingga 2. Fixing address bugs to minimize blank and undefined
meminimalisir alamat pengiriman yang kosong dan delivery addresses for debit cards.
undefined pada debit card.
3. Penambahan fitur request card pada Permata ME dengan 3. Adding a card request feature in Permata ME that allows
alamat pengiriman dapat di edit oleh nasabah. customers to edit the delivery address.
4. Optimalisasi penggunakan Web Call Engine. 4. Optimizing the use of the Web Call Engine.
5. Jenis kartu Priority & Prefferred diinfokan ke Cab untuk 5. Informing branches of Priority and Preferred card types for
ditindaklanjuti. follow-up.
6. Kartu Kredit staff yang di kembalikan diinformasikan melalui 6. Notifying returned staff credit cards via email.
email.
7. Melakukan proses trade‑in atau penggantian mesin ATM 7. Conducting trade-in or replacement of older ATM machines.
lama.
8. Melakukan pemetaan dan analisis data gangguan kartu 8. Mapping and analyzing data on swallowed card disruptions.
tertelan.
9. Melakukan pemeliharaan preventif secara berkala terhadap 9. Conducting periodic preventive maintenance for card
card reader. readers.
10. Mengurangi kebutuhan cetak ulang kartu nasabah. 10. Reducing the need for customer card reprints.
Pada 2025, Bank melanjutkan implementasi program pemilahan In 2025, the Bank continued implementing its waste segregation
sampah di Gedung WTC II, Bintaro dan Hayam Wuruk. Pemisahan program at the WTC II, Bintaro, and Hayam Wuruk buildings.
sampah organik dan non-organik dilakukan dengan menyediakan Organic and non-organic waste is separated by providing two
dua jenis tempat sampah di setiap lantai, sebagai upaya types of bins on each floor, as an effort to increase employee
meningkatkan kesadaran karyawan terhadap pengelolaan awareness of waste management at the source and to support a
sampah sejak sumbernya serta mendukung terciptanya more comfortable and organized workplace. [F.14]
lingkungan kerja yang lebih nyaman dan tertata. [F.14]
Sepanjang tahun 2025, Permata Bank tidak mencatat adanya Throughout 2025, Permata Bank did not record any incidents of
insiden tumpahan limbah ke lingkungan maupun pengaduan waste spills into the environment, nor any complaints from the
dari masyarakat dan pemangku kepentingan terkait dampak community or stakeholders related to environmental impacts.
lingkungan. Sehubungan dengan pengelolaan limbah yang As waste management is fully handled by third parties through
seluruhnya dilakukan oleh pihak ketiga melalui pengelola gedung, building management, the Bank does not yet have quantitative
Bank belum memiliki data kuantitatif mengenai jumlah limbah data on the volume of waste generated. [F.15]
yang dihasilkan. [F.15]
54 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 57
Limbah yang Dihasilkan Berdasarkan Jenis [F.13][306-3][306-4][306-5]
Waste Generated by Type
Uraian Satuan
2025 2024 2023
Description Unit
Limbah Non-B3 | Non-B3 Waste
Jumlah Penggunaan Kertas Ramah Lingkungan Ton | Tons 41,38 50,76 47,51
(Tersertifikasi PEFC)*) [F.5]
Total Use of Environmentally Friendly Paper (PEFC Certified)
Jumlah Limbah Kotak Arsip Ton | Tons 104,19 2,98 161,95
Amount of Archive Box Waste
Jumlah Limbah Kartu ATM | Amount of ATM Card Waste Kg 114 153 255
Limbah B3 | B3 Waste
Tinta Cartridge | Cartridge Ink Ton | Tons 1,43 1,55 1,58
Keterangan | Notes:
*)
Data hanya mencakup penggunaan kertas di kantor pusat dan kantor cabang di wilayah Jabodetabek.
Data only covers paper use at the head office and branch offices in the Jabodetabek area.
Pelestarian Lingkungan dan Keanekaragaman Hayati [F.9][F.10]
Environmental Preservation and Biodiversity
Aktivitas operasional Permata Bank dilaksanakan di area yang Permata Bank’s operational activities are carried out in areas
tidak bersinggungan dengan kawasan konservasi maupun that do not overlap with conservation zones or regions with high
wilayah dengan tingkat keanekaragaman hayati tinggi, sehingga biodiversity value, and therefore do not create direct impacts on
tidak menimbulkan dampak langsung terhadap ekosistem sekitar. surrounding ecosystems. Nevertheless, the Bank continues to
Kendati demikian, Bank tetap menunjukkan komitmen terhadap demonstrate its commitment to environmental protection and
perlindungan lingkungan dan keanekaragaman hayati melalui biodiversity through the implementation of various sustainability
pelaksanaan berbagai inisiatif keberlanjutan. Penjelasan lebih initiatives. Further details on these efforts are presented in the
rinci mengenai upaya tersebut dapat ditemukan pada sub-bab Environmental Responsibility sub-chapter. [304-1]
Tanggung Jawab Lingkungan. [304-1]
2025 Sustainability Report PT Bank Permata Tbk. 55
Page 58
Peduli
terhadap Alam
Caring for
Nature
Pengelolaan
Energi dan Emisi
Energy and Emissions Management
Sumber energi yang digunakan dalam operasional Permata Bank Energy used in Permata Bank’s operations is sourced from PLN
berasal dari pasokan listrik PLN serta bahan bakar minyak (BBM) electricity supply and fuel (BBM) to support certain auxiliary
untuk mendukung aktivitas pendukung tertentu. Perhitungan activities. Scope 1 greenhouse gas (GHG) emissions are calculated
emisi gas rumah kaca (GRK) cakupan 1 dilakukan dengan in accordance with the Greenhouse Gas Protocol (GHG Protocol)
berpedoman pada metodologi Greenhouse Gas Protocol (GHG) methodology, using emission factors provided by Financial
dengan menggunakan faktor emisi dari OJK. Dalam praktiknya, Services Authority. In practice, this calculation includes emissions
perhitungan ini mencakup emisi dari penggunaan kendaraan from the use of operational vehicles and generator sets, estimated
operasional dan pengoperasian genset, yang dihitung melalui by converting cost data into fuel volumes based on fuel type,
konversi data biaya menjadi volume bahan bakar berdasarkan travel distance, and operating duration, with adjustments applied
jenis BBM, jarak tempuh, serta durasi penggunaan, dengan by each cost center.
penyesuaian pada masing-masing cost center.
Perhitungan emisi GRK cakupan 2 dilakukan dengan Scope 2 GHG emissions are calculated using emission factors
menggunakan faktor emisi dari Data Emisi GRK Kementerian from the Ministry of Energy and Mineral Resources 2021 GHG
Energi dan Sumber Daya Mineral (ESDM) Tahun 2021. Emisi Emissions Data. Scope 2 emissions are derived from PLN
cakupan 2 berdasar dari penggunaan listrik PLN dari 194 gedung, electricity consumption across 194 buildings, calculated based on
yang dihitung melalui data-data tagihan listrik yang dikonversi electricity bills converted into kWh.
menjadi data dengan satuan kWh.
Di luar cakupan tersebut, Bank juga menghitung emisi GRK Beyond these scopes, the Bank also calculates operational
cakupan 3 operasional yang bersumber dari aktivitas perjalanan Scope 3 GHG emissions arising from business travel activities.
dinas. Emisi dari penggunaan transportasi umum seperti taksi Emissions from the use of public transportation such as ride-
online, kereta api, dan pesawat udara dihitung dengan mengalikan hailing taxis, trains, and air travel are calculated by multiplying
data penggunaan dengan faktor emisi dari regulator. Untuk emission factors from regulator. For air travel, the calculation is
perjalanan udara, perhitungan dilengkapi dengan penggunaan supplemented by ICAO’s Carbon Emissions Calculator to obtain a
Carbon Emission Calculator milik ICAO guna memperoleh more representative emissions estimate.
estimasi emisi yang lebih representatif.
Untuk emisi GRK cakupan 3 dari aktivitas pembiayaan (Financed For Scope 3 GHG financed emissions, the calculation is currently
Emission), perhitungan masih sebatas pemenuhan pelaporan limited to meeting the reporting requirements of the bottom-
pilot bottom-up Climate Risk Management & Scenario Analysis up CRMS pilot submission to Financial Services Authority. The
(CRMS) kepada OJK. Bank belum memiliki data emisi dari debitur Bank does not yet have emissions data from borrowers, and
sehingga perhitungan dilakukan menggunakan data perantara/ therefore uses intermediary/proxy data applied to debtors.
proxy yang direfleksikan kepada debitur. Emisi dari aktivitas Financed emissions calculated directly from debtor emissions
pembiayaan yang dihitung langsung dari emisi debitur hanya are only conducted for 10 debtors from corporate segment based
dilakukan terhadap 10 debitur pada segmen korporasi yang on information disclosed in their Sustainability Reports. The
diambil dari Laporan Keberlanjutan. Saat ini Bank fokus untuk Bank is currently focused on improving data quality, developing
meningkatkan kualitas data dan pengembangan metodologi calculation methodologies, and strengthening human resource
perhitungan, serta peningkatan kemampuan SDM. Selain itu Bank capabilities. In addition, the Bank is preparing procedures for
juga sedang mempersiapkan prosedur perhitungan emisi dari calculating emissions from financing activities.
aktivitas pembiayaan.
Selain itu, belum terdapat penghitungan atas emisi zat perusak The Bank has not yet calculated ozone-depleting substance
ozon maupun emisi non-GRK signifikan lainnya. [305-6][305-7] emissions or other significant non-GHG emissions. [305-6][305-7]
[FN-CB-410b.4] [FN-CB-410b.4]
56 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 59
Pengurangan Emisi [F.11][305-1][305-2][305-3][305-4][FN-CB-410b.1]
Emission Reduction
Emisi GRK (tCO2e)
2025 2024 2023
GHG Emissions (tCO2e)
Cakupan 1 | Scope 1
Bahan bakar (Bensin & Solar) | Fuel (Gasoline and Diesel) 513,71 531,52 501,06
Cakupan 2 | Scope 2
Listrik - PLN | Electricity - PLN 23.612,84 24.838,30 25.516,43
Cakupan 3 | Scope 3
Kategori 6. Perjalanan Dinas | Category 6. Business Travel 1.154,03 1.158,51 1.310,56
Total emisi (GRK Cakupan 1 +2) | Total GHG emissions (Scope 1 + 2) 24.126,55 25.369,82 26.017,49
Total emisi (GRK Cakupan 1 +2+3) | Total GHG emissions (Scope 1 + 2 + 3) 25.280,58 26.528,33 27.328,05
Pendapatan Operasional (Rp triliun) | Operating Income (IDR Trillion) 12,55 12,08*) 11,95*)
Intensitas Emisi Cakupan 1 dan 2 per Pendapatan Operasional 1.922,43 2.100,15*) 2.177,20*)
Scope 1 and 2 Emissions Intensity per Operating Income
Jumlah Karyawan | Number of Employees 6.841 6.972 7.372
Intensitas Emisi Cakupan 1 dan 2 per Karyawan 3,53 3,64 3,53
Scope 1 and 2 Emissions Intensity per Employee
Keterangan:
*)
Penyajian kembali yang disebabkan reklasifikasi
• Data yang disampaikan mencakup Kantor Pusat dan seluruh kantor cabang.
• Perhitungan emisi Gas Rumah Kaca (GRK) dilakukan menggunakan berbagai metodologi dan faktor emisi yang telah diakui oleh regulator. Emisi dari bahan bakar cair dihitung
berdasarkan IPCC Guidelines for National Greenhouse Gas Inventories (2006), mencakup penggunaan diesel untuk genset serta bensin dan diesel untuk berbagai jenis kendaraan
operasional. Emisi listrik dihitung menggunakan faktor emisi sistem ketenagalistrikan dari Keputusan Menter ESDM Tahun (2021) dengan perhitungan yang didasarkan pada faktor
emisi grid listrik di lokasi geografis tempat listrik dikonsumsi. Emisi dari perjalanan dinas ditentukan menggunakan ICAO Carbon Emissions Calculator untuk penerbangan serta
faktor konversi DEFRA 2023 untuk perjalanan menggunakan mobil dan kereta api.
• Tahun 2024 dipilih sebagai tahun baseline karena perhitungan emisi telah menggunakan metodologi yang diakui oleh regulator serta didukung oleh mekanisme pengumpulan
data yang lebih akurat.
Notes:
*)
Restatement due to reclassification
• Data presented covers the Head Office and all branch offices.
• GHG emissions are calculated using methodologies and emission factors recognized by the regulator. Emissions from liquid fuels are calculated based on the IPCC Guidelines for
National Greenhouse Gas Inventories (2006), covering diesel use for generator sets as well as gasoline and diesel for various types of operational vehicles. Electricity emissions
are calculated using the power system emission factor from the Ministry of Energy and Mineral Resources (ESDM) Ministerial Decree (2021), based on the grid emission factor
in the geographic location where electricity is consumed. Business travel emissions are determined using the ICAO Carbon Emissions Calculator for flights and the DEFRA 2023
conversion factors for travel by car and rail.
• 2024 is selected as the baseline year because emissions calculations use methodologies recognized by the regulator and are supported by more accurate data collection
mechanisms.
Penggunaan Energi [F.6][302-1][302-2][302-3]
Energy Consumption
Uraian Satuan
2025 2024 2023
Description Unit
Energi Konvensional (BBM) Liter 124.639,47*) 111,325,44 108.009,94
Unrenewable Energy (Fuel) Litre
GJ 3.432,91 3.807,33 3.693,94
Listrik kWh 27.163.892,66 28.493,033,33 29.257.244,44
Electricity
GJ 97.790,01 102.359,82 105.096,59
Energi Terbarukan dari Panel Surya (Tenaga Surya) GJ 211,21 215,08 229,49
yang Dihasilkan
Renewable Energy from Solar Panels (Solar Power) Generated
Total Konsumsi Energi GJ 101.434,13 106.578,92 109.020,02
Total Energy Consumption
Pendapatan Operasional Rp Triliun 12,55 12,08**) 11,95**)
Operating Income IDR Trillion
Intensitas Energi GJ/Rp Triliun 8.082,40 8.806,48**) 9.123,01**)
Energy Intensity GJ/IDR Trillion
Keterangan:
*)
Kenaikan liter bahan bakar disebabkan perluasan cakupan data termasuk penggunaan shuttle bus
**)
Penyajian kembali disebabkan reklasifikasi
• Pemakaian bahan bakar dalam liter dikonversi ke GJ dengan menggunakan The Greenhouse Gas Protocol Initiative, 2004.
• Pemakaian listrik dari kWh dikonversi ke GJ dengan menggunakan The Greenhouse Gas Protocol Initiative, 2004.
Notes:
*)
Increase in fuel consumption is due to enlargement of data scope including usage of shuttle bus
**)
Restatement due to reclassification
• Fuel consumption in liters is converted into GJ using The Greenhouse Gas Protocol Initiative (2004).
• Electricity consumption in kWh is converted into GJ using The Greenhouse Gas Protocol Initiative (2004).
2025 Sustainability Report PT Bank Permata Tbk. 57
Page 60
Peduli
terhadap Alam
Caring for
Nature
Bank menetapkan tahun 2024 sebagai tahun dasar pengukuran Bank set 2024 as the emissions measurement baseline year to
emisi guna menjadi rujukan dalam perencanaan program serve as a reference for planning emissions reduction programs.
penurunan emisi. Berangkat dari baseline tersebut, Bank Building on this baseline, the Bank designs energy and emissions
merancang sasaran pengurangan energi dan emisi pada reduction targets covering internal operational activities as well
kegiatan operasional internal serta aktivitas debitur. Pada tahun as debtors’ activities. In 2025, the Bank implemented emissions
2025, Bank menerapkan inisiatif-inisiatif penurunan emisi, seperti reduction initiatives, such as replacing lights with LED, optimizing
penggantian lampu LED, pengaturan AC, kampanye hemat energi, air-conditioning settings, conducting energy-saving campaigns,
dan sosialisasi budaya keberlanjutan, sehingga penurunan emisi and socializing a sustainability culture, resulting in a 4.90%
scope 1 dan scope 2 di 2025 mencapai 4,90%. [302-5] reduction in scope 1 and scope 2 emissions in 2025. [302-5]
Ke depan, upaya penurunan emisi akan terus dilakukan melalui Going forward, emissions reduction efforts will continue through
inisiatif-inisiatif internal (termasuk dalam identifikasi sumber internal initiatives (including the identification of key emissions
emisi utama), maupun skema carbon credit dan pembelian REC. sources), as well as through carbon credit schemes and the
Insisiatif-insiatif ini dilakukan untuk mencapai target Net Zero purchase of RECs. The Bank will also continue to strengthen
Emission (NZE) jangka menengah yaitu Net Zero Cakupan 1 & 2 sustainable operational practices. These efforts support the
dari aktivitas operasional pada 2030, dan untuk jangka panjang achievement of Permata Bank’s medium-term NZE targets,
mencapai NZE dari aktivitas pembiayaan pada 2052. Bank saat namely Net Zero for Scope 1 and Scope 2 operational emissions
ini sedang menyusun peta jalan dari NZE sebagai bagian dari by 2030, and its long-term target of achieving Net Zero Emissions
strategi jangka menengah untuk menurunkan emisi operasional. from financing activities by 2052. The bank is currently developing
a roadmap for NZE as part of its medium-term strategy to reduce
operational emissions.
INISIATIF PENGURANGAN KONSUMSI
ENERGI DAN EMISI GRK YANG
DIHASILKAN [F.1][F.7][F.12][302-4][305-5]
Initiatives to Reduce Energy Consumption and
Resulting GHG Emissions
Bank terus melakukan berbagai upaya untuk mengefisienkan The Bank continues to pursue various efforts to improve electricity
penggunaan energi listrik guna menekan emisi dari aktivitas efficiency in order to reduce emissions from operational activities.
operasional. Sejumlah langkah penghematan energi dijalankan A number of energy-saving measures are implemented on an
secara konsisten, antara lain: ongoing basis, including:
• Melakukan kampanye penghematan energi melalui digital • Conducting an energy-saving campaign through digital
signage, email blast dan dig kepada seluruh karyawan signage, email blasts, and digital displays for all employees.
• Secara bertahap melakukan penggantian lampu Non LED • Gradually replacing non-LED lights with LED lights throughout
menjadi lampu LED di seluruh gedung the building.
• Melakukan penyesuaian waktu nyala lampu signage • Adjusting signage light turn-on times.
• Penggantian kendaraan Board menjadi EV • Replacing board vehicles with electric vehicles.
• Penyesuaian waktu nyala peralatan listrik (AC, lift, lampu) lebih • Adjusting electrical equipment (AC, elevators, and lighting)
lambat 30 menit di gedung Bintaro sektor 7 Tangerang. turn-on times by 30 minutes in the Bintaro Sector 7 building in
Tangerang.
• Sertifikasi green building untuk Gedung Bintaro sektor 7 • Green building certification for the Bintaro Sector 7 building in
Tangerang Selatan dan Merdeka Bandung. South Tangerang and Merdeka building in Bandung.
• Penerapan tempat sampah terpilah (organik & nonorganik) di • Implementing separate waste bins (organic and non-organic) in
gedung WTC II, Bintaro, Hayam Wuruk dan Merdeka the WTC II, Bintaro, Hayam Wuruk, and Merdeka buildings.
• Penggunaan water recycle di gedung Bintaro sektor 7 • Implementing water recycling in the Bintaro Sector 7 building in
Tangerang Tangerang.
• Penggunaan solar panel di gedung Bintaro sektor 7 Tangerang • Implementing solar panels in the Bintaro Sector 7 building in
Tangerang.
58 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 61
Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
2025 Sustainability Report PT Bank Permata Tbk. 59
Page 62
Sehat dan Sejahtera Health and Well-being
Page 63
Page 64
Sehat
dan Sejahtera
Health and
Well-being
PermataBankers
PermataBankers
54,29% 28,60%
PermataBankers adalah perempuan. Perempuan dalam jajaran Direksi dan Dewan Komisaris.
of PermataBankers are women. of women in the Board of Directors and the Board of
Commissioners.
Komposisi Karyawan [C.3][2-7][2-8]
Employee Composition
Jumlah karyawan Permata Bank pada tahun 2025 tercatat Permata Bank’s total number of employees in 2025 was recorded
sebanyak 6.841 orang, atau turun 1,9% dibandingkan tahun at 6,841, a 1.9% decrease compared to the previous year. 50.8% of
sebelumnya. Sebanyak 50,8% dari total karyawan tersebut these employees played a direct role in customer service. All Bank
berperan langsung dalam pelayanan nasabah. Seluruh karyawan employees are permanent and contract workers working full-time,
Bank merupakan pekerja permanen dan kontrak yang bekerja with no part-time or casual employees. The bank employs 2,179
penuh waktu, tanpa karyawan paruh waktu maupun pekerja outsourced workers consisting of building management, couriers,
harian. Bank mempekerjakan 2.179 tenaga alih daya yang terdiri security officers, contact center, and administrative staff.
dari pengelola gedung, kurir, petugas keamanan, contact center,
dan bagian administratif.
Jumlah Karyawan Berdasarkan Jenis Kelamin [405-1]
Number of Employees Based on Gender
2025 2024 2023
Uraian
Description Jumlah Jumlah Jumlah
% % %
Total Total Total
Laki-Laki | Male 3.127 45,7 3.168 45,4 3.341 45,3
Perempuan | Female 3.714 54,3 3.804 54,6 4.031 54,7
Jumlah | Total 6.841 100,0 6.972 100,0 7.372 100,0
Jumlah Karyawan Berdasarkan Tingkat Pendidikan dan Jenis Kelamin
Number of Employees Based on Education Level and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
S3 4 0 4 0 3 0
S2 269 193 266 189 270 187
S1 2.451 2.888 2.435 2.913 2.528 3.047
Diploma 257 488 282 524 316 574
Sekolah Menengah Atas dan Bawah 146 145 181 178 224 223
Senior and Junior High School
Jumlah 3.127 3.714 3.168 3.804 3.341 4.031
Total 6.841 6.972 7.372
62 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 65
Jumlah Karyawan Berdasarkan Status Kepegawaian dan Jenis Kelamin
Number of Employees Based on Employment Status and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
Pekerja Tetap | Permanent Employee 2.905 3.535 2.910 3.605 3.017 3.790
Pekerja Tidak Tetap | Non-permanent Employee 222 179 258 199 324 241
Jumlah 3.127 3.714 3.168 3.804 3.341 4.031
Total 6.841 6.972 7.372
Jumlah Karyawan Berdasarkan Jenjang Jabatan dan Jenis Kelamin [405-1]
Number of Employees Based on Position Level and Gender
2025
Laki-laki Perempuan
Uraian
Male Female 2024 2023
Description
Jumlah Jumlah
% %
Total Total
Executive-level (BoD, BoC, Committee) 15 71,4 6 28,6 21 20
Senior-level (Head Department/Division, Chief) 123 64,4 68 35,6 184 425
Mid-level (Supervisor, Manager, Unit Head) 1.112 53,5 966 46,5 2.094 2.973
Entry-level (Officer, Associate) 1.877 41,2 2.674 58,8 4.673 3.954
Jumlah 3.127 45,7 3.714 54,3
6.972 7.372
Total 6.841
Jumlah Karyawan Berdasarkan Kelompok Jabatan, Usia, dan Jenis Kelamin [405-1]
Number of Employees Based on Age Group and Gender
2025
Kelompok Usia Entry-level Mid-level Senior-level Executive-level
2024 2023
Age Group
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female Male Female
18-24 tahun | years 94 128 0 0 0 0 0 0 205 245
25-34 tahun | years 879 1.166 214 163 0 0 0 0 2.486 2.813
35-44 tahun | years 592 924 575 453 49 23 0 0 2.632 2.601
45-54 tahun | years 312 456 319 349 70 42 3 2 1.616 1.664
>55 tahun | years 0 0 4 1 4 3 12 4 33 49
Jumlah 1.877 2.674 1.112 966 123 68 15 6
6.972 7.372
Total 6.841
Jumlah Karyawan Berdasarkan Status Masa Kerja dan Jenis Kelamin
Number of Employees Based on Length of Service and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
<1 tahun | years 388 394 327 312 347 276
1-3 tahun | years 475 423 698 553 886 782
>3-5 tahun | years 649 555 495 465 514 478
>5-10 tahun | years 652 684 664 794 584 807
>10-15 tahun | years 525 795 515 844 479 798
>15-20 tahun | years 115 297 94 240 129 294
>20 tahun | years 323 566 375 596 402 596
Jumlah 3.127 3.714 3.168 3.804 3.341 4.031
Total 6.841 6.972 7.372
2025 Sustainability Report PT Bank Permata Tbk. 63
Page 66
Sehat
dan Sejahtera
Health and
Well-being
REKRUTMEN DAN PERPUTARAN KARYAWAN EMPLOYEE RECRUITMENT AND TURNOVER
[401-1] [401-1]
Prinsip kesetaraan dan keadilan bagi karyawan diterapkan secara The principles of equality and fairness for employees are applied
konsisten, termasuk dalam proses rekrutmen, sebagaimana diatur consistently, including in the recruitment process, as set out in the
dalam Kebijakan Rekrutmen serta Kebijakan Persamaan Harkat Recruitment Policy and the Equality and Dignity in the Workplace
dan Martabat dalam Lingkungan Bekerja. Bank memberikan Policy. The Bank provides equal opportunities for the public to join
kesempatan yang setara kepada masyarakat untuk bergabung Permata Bank. In 2025, the Bank recruited 699. new permanent
dengan Permata Bank. Pada tahun 2025, Bank merekrut 699 employees across various regions in Indonesia, with 61% coming
karyawan baru berstatus permanen yang tersebar di berbagai from outside Jakarta. Meanwhile, 774 employees left the Bank due
wilayah di Indonesia, dengan 61% berasal dari luar Jakarta. to resignation, retirement, and death. Accordingly, the employee
Sementara itu, sebanyak 774 karyawan meninggalkan Bank turnover rate in 2025 was 11.9%
karena alasan pengunduran diri, pensiun, dan meninggal dunia.
Dengan demikian, tingkat perputaran karyawan pada tahun 2025
mencapai 11,9%.
Jumlah Karyawan Baru Berdasarkan Kelompok Usia dan Jenis Kelamin
Number of New Employees by Age Group and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
< 30 tahun | years 195 230 122 153 115 127
30-50 tahun | years 144 129 146 113 170 104
> 50 tahun | years 1 0 0 1 1 0
Jumlah | Total 340 359 268 267 286 231
Jumlah Karyawan Baru Berdasarkan Wilayah dan Jenis Kelamin
Number of New Employees by Region and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
Aceh 1 0 0 2 0 1
Bali 13 21 9 16 2 5
Bangka Belitung 1 0 0 3 0 1
Banten 97 75 90 63 107 49
Jakarta 132 142 107 103 121 101
Jambi 0 0 0 0 - -
Jawa Barat | West Java 28 27 16 19 15 17
Jawa Tengah | Central Java 7 18 5 10 1 11
Jawa Timur | East Java 17 28 12 17 12 12
Kalimantan Barat | West Kalimantan 4 3 3 2 3 2
Kalimantan Selatan | South Kalimantan 0 1 2 2 1 3
Kalimantan Timur | East Kalimantan 1 3 3 2 1 6
Kepulauan Riau 3 3 4 8 3 1
Lampung 0 0 0 0 1 0
Nusa Tenggara Barat | West Nusa Tenggara 2 1 0 1 0 0
Riau 2 2 2 2 0 2
Sulawesi Selatan | South Sulawesi 4 2 3 1 2 2
Sulawesi Tengah | Central Sulawesi 0 1 0 0 1 1
Sulawesi Tenggara | Southeast Sulawesi 0 1 0 0 0 1
Sulawesi Utara | North Sulawesi 1 0 0 0 0 0
Sumatra Barat | West Sumatra 0 1 0 0 0 0
Sumatra Selatan | South Sumatra 0 2 0 0 0 0
Sumatra Utara | North Sumatra 24 26 12 15 16 14
Yogyakarta 3 2 0 1 0 0
Jumlah | Total 340 359 268 267 286 231
64 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 67
Jumlah Karyawan Keluar Berdasarkan Kelompok Usia dan Jenis Kelamin
Number of Outgoing Employees by Age Group and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
< 30 tahun | years 67 106 73 115 105 134
30-50 tahun | years 187 232 216 252 284 216
> 50 tahun | years 89 93 86 85 82 84
Jumlah | Total 343 431 375 452 471 434
Jumlah Karyawan Keluar Berdasarkan Wilayah dan Jenis Kelamin
Number of Outgoing Employees by Region and Gender
2025 2024 2023
Uraian
Description Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
Male Female Male Female Male Female
Aceh 0 3 1 0 - 1
Bali 15 14 6 8 8 16
Bangka Belitung 0 0 0 2 - -
Banten 72 82 89 74 123 72
Jakarta 120 163 136 155 165 163
Jambi 2 0 0 2 - 1
Jawa Barat | West Java 43 43 30 60 35 34
Jawa Tengah | Central Java 9 19 18 17 16 13
Jawa Timur | East Java 37 28 29 45 52 34
Kalimantan Barat | West Kalimantan 3 5 4 9 3 14
Kalimantan Selatan | South Kalimantan 1 1 2 3 4 6
Kalimantan Timur | East Kalimantan 2 4 5 5 6 5
Kepulauan Riau 2 5 4 8 4 4
Lampung 5 3 5 2 3 2
Nusa Tenggara Barat | West Nusa Tenggara 2 2 0 3 - 1
Riau 3 1 3 7 1 6
Sulawesi Selatan | South Sulawesi 5 7 7 7 14 14
Sulawesi Tengah | Central Sulawesi 0 0 2 2 2 -
Sulawesi Tenggara | Southeast Sulawesi 1 1 2 0 1 -
Sulawesi Utara | North Sulawesi 0 0 1 4 1 -
Sumatra Barat | West Sumatra 1 0 0 3 - 2
Sumatra Selatan | South Sumatra 1 9 5 4 4 8
Sumatra Utara | North Sumatra 19 39 24 28 27 38
Yogyakarta 0 2 2 4 2 -
Jumlah | Total 343 431 375 452 471 434
2025 Sustainability Report PT Bank Permata Tbk. 65
Page 68
Sehat
dan Sejahtera
Health and
Well-being
Perputaran Karyawan*)
Employee Turnover
11,9% 12,4% 12,9%
2025 2024 2023
*)
Tingkat turnover hanya mencakup perhitungan karyawan yang mengundurkan diri secara sukarela, sanksi pemutusan hubungan kerja, pensiun dan meninggal.
Turnover rate only includes the calculation of employees who voluntary resigned, termination of employment, retirement, and death.
Praktik Ketenagakerjaan
Employment Practices
KESETARAAN DAN KEBERAGAMAN KARYAWAN EMPLOYEE EQUALITY AND DIVERSITY [F.18]
[F.18]
Permata Bank meyakini bahwa keberagaman latar belakang Permata Bank believes that a workforce with diverse backgrounds
karyawan memperkaya sudut pandang dan meningkatkan enriches perspectives and strengthens innovation capacity,
kapasitas inovasi, yang pada akhirnya mendukung pertumbuhan which ultimately supports business growth. In line with this belief,
bisnis. Sejalan dengan hal tersebut, Bank menerapkan prinsip the Bank applies diversity and inclusivity principles without
keberagaman dan inklusivitas tanpa diskriminasi berdasarkan discrimination based on religion, race, or gender, and promotes
agama, ras, dan gender, serta mendorong keterwakilan lintas representation across age groups in the workplace. The Bank’s
usia di tempat kerja. Komitmen terhadap keberagaman tercermin commitment to diversity is reflected in the application of gender
dalam penerapan prinsip keadilan gender yang terintegrasi equity principles integrated into the Employee Code of Conduct
dalam Kode Etik Karyawan dan Kebijakan Persamaan Harkat and the Equal Dignity and Respect in the Workplace Policy. The
dan Martabat dalam Lingkungan Bekerja. Bank juga menjamin Bank also safeguards the rights of employees living with HIV/
perlindungan hak pengidap HIV/AIDS melalui prosedur HIV/ AIDS through HIV/AIDS procedures that govern emergency
AIDS yang mengatur penanganan keadaan darurat, pencegahan response, infection prevention, data confidentiality protection,
infeksi, perlindungan kerahasiaan data, serta penegakan and enforcement of a zero-tolerance policy toward harassment
kebijakan tanpa toleransi terhadap pelecehan dan diskriminasi. and discrimination.
Sebagai bagian dari komitmen terhadap lingkungan kerja As part of its commitment to a safe and inclusive workplace,
yang aman dan inklusif, Permata Bank menerapkan kebijakan Permata Bank implements policies on the prevention and
pencegahan dan penanganan pelecehan di tempat kerja. handling of workplace harassment. These policies set out the
Kebijakan ini mengatur definisi pelecehan, tata cara penanganan, definition of harassment, handling procedures, and reporting
serta mekanisme pelaporan yang dapat diakses oleh seluruh mechanisms accessible to all employees. The Bank actively
karyawan. Bank secara aktif mendorong pelaporan atas setiap encourages reporting of any suspected harassment. The Bank
dugaan pelecehan. Bank juga memiliki prosedur penanganan also maintains handling procedures that include investigation
yang mencakup proses investigasi dan jalur eskalasi dengan processes and escalation pathways involving supervisors and
melibatkan atasan dan pihak independen untuk menjamin independent parties to ensure objectivity and minimize disruption
objektivitas serta meminimalkan gangguan dalam penanganan in case handling, including protection of the reporter’s privacy.
kasus, termasuk perlindungan terhadap privasi pelapor. [406-1] [406-1]
Dalam rangka mendukung pemberdayaan perempuan, Bank To support women’s empowerment, the Bank implements the
pun menjalankan Women Empowerment Program (WEP) dengan Women Empowerment Program (WEP) through the establishment
membentuk Steering Committee Women Empowerment. Komite of a Women Empowerment Steering Committee. The Committee
ini bertugas mengembangkan berbagai inisiatif pemberdayaan is responsible for developing various Permata women’s
perempuan Permata yang mencakup aspek ekonomi, sosial, empowerment initiatives covering economic, social, and health
dan kesehatan. Sebagai bagian dari implementasi program, aspects. As part of the program’s implementation, the Bank
Bank menyelenggarakan forum “Women Talk” dengan berbagai held “Women Talk” forums with a range of themes aimed at
tema bahasan yang bertujuan memperluas wawasan dan broadening insights and knowledge to further empower women
pengetahuan untuk memperlengkapi perempuan Permata at Permata. In the first half of the year, the themes covered were
menjadi lebih berdaya. Dua tema yang diangkat pada semester “Embracing Menopause as a Woman’s Journey” and “Kartini
pertama adalah “Embracing Menopause as a Woman’s Journey” Trilogy Book Discussion”, while in the second half the themes
66 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 69
dan “Bedah Buku Trilogi Kartini”, sedangkan pada semester kedua included “Empowered Women, Empowering Mothers - Navigating
tema yang dibawakan adalah “Empowered Women, Empowering Parenthood with Purpose” and “Fertility Starts from Within:
Mothers - Navigating Parenthood with Purpose” dan tema Nutrition, Stress, and Hormonal Balance in Men and Women”.
“Kesuburan Dimulai dari Dalam: Nutrisi, Stres, dan Keseimbangan The series concluded with a DEI activity involving persons with
Hormon pada Pria & Wanita” dan ditutup dengan kegiatan DEI disabilities to promote an equal and inclusive environment under
yang melibatkan teman-teman disabilitas untuk dalam rangka the theme “Creating with Heart”.
mendorong terciptanya lingkungan yang setara dan inklusif
dengan tema “Berkriya Dengan Hati”.
Keberagaman di lingkungan kerja Permata Bank ditunjukkan Workplace diversity at Permata Bank is also reflected in the
melalui keberadaan 7 karyawan disabilitas yang bekerja di presence of 7 employees with disabilities across various functions,
berbagai fungsi, termasuk Telesales dan Divisi Bisnis. Untuk including Telesales and the Business Division. To support
mendukung pengembangan kapasitas dan kemandirian, Bank capability development and independence, the Bank partners
menjalin kerja sama dengan lembaga vokasi dalam pelaksanaan with vocational institutions in implementing development
program pengembangan karyawan disabilitas. programs for employees with disabilities.
HAK ASASI MANUSIA (HAM), PEKERJA ANAK, DAN HUMAN RIGHTS, CHILD LABOR, AND FORCED
TENAGA KERJA PAKSA [F.19] LABOR [F.19]
Permata Bank mengintegrasikan prinsip hak asasi manusia (HAM) Permata Bank integrates human rights principles into the Bank’s
ke dalam Prosedur Rekrutmen sebagai pedoman operasional, Recruitment Procedure as an operational guideline, including
termasuk ketentuan mengenai pekerja anak dan tenaga kerja provisions on child labor and forced labor. The Bank implements
paksa. Implementasi kebijakan tersebut dilakukan dengan this policy by setting a minimum employee age of 18 and ensuring
menetapkan usia minimum karyawan 18 tahun serta memastikan compliance starting from the recruitment process. With these
kepatuhan sejak proses rekrutmen. Dengan penerapan tersebut, measures in place, throughout 2025 there were no violations
sepanjang tahun 2025, tidak terdapat pekerja anak dan tenaga related to child labor or forced labor and no breaches of human
kerja paksa pelanggaran prinsip HAM di seluruh rantai bisnis rights principles across the Bank’s business chain.
Bank.
SERIKAT PEKERJA DAN PERJANJIAN KERJA LABOR UNIONS AND COLLECTIVE LABOR
BERSAMA [2-30] AGREEMENTS [2-30]
Permata Bank membangun komunikasi dua arah dengan seluruh Permata Bank encourages two-way communication with all
karyawan yang diwakili oleh serikat pekerja. Melalui forum employees through the labor union as employee representative.
ini, serikat pekerja dan manajemen secara aktif melakukan Through this forum, the labor union and management actively
diskusi dua bulanan untuk membahas isu ketenagakerjaan dan hold bi-monthly discussions to address employment-related
mendukung terciptanya lingkungan kerja yang harmonis. Hingga matters and support a harmonious workplace. As of the end of
akhir tahun 2025, jumlah anggota serikat pekerja mencapai 2025, labor union membership totaled 4,000 people, representing
4.000 orang atau setara dengan 59% dari total karyawan. 59% of total employees.
Melalui proses diskusi yang berkelanjutan, manajemen dan Through ongoing dialogue, management and the labor union
serikat pekerja menyepakati Perjanjian Kerja Bersama (PKB) agree on a Collective Labor Agreement (CLA), which is updated
yang diperbarui secara berkala setiap dua tahun. PKB yang every two years. The CLA in effect for the 2025-2027 period serves
berlaku untuk periode 2025-2027 menjadi dasar pengaturan hak as the basis for regulating the legal rights and obligations between
dan kewajiban hukum antara Bank dan PermataBankers, dengan the Bank and PermataBankers, covering 100% of employees.
cakupan 100% karyawan. Di samping itu, kedua pihak secara rutin In addition, both parties routinely hold meetings to discuss
menyelenggarakan pertemuan untuk membahas isu hubungan evolving industrial relations matters to foster a comfortable and
industrial yang berkembang dalam rangka menciptakan harmonious work environment.
lingkungan kerja yang nyaman dan harmonis.
2025 Sustainability Report PT Bank Permata Tbk. 67
Page 70
Sehat
dan Sejahtera
Health and
Well-being
KESEJAHTERAAN KARYAWAN EMPLOYEE WELFARE
Bank menerapkan kebijakan remunerasi yang kompetitif untuk The Bank implements a competitive remuneration policy to
memastikan karyawan merasa dihargai dan termotivasi dalam ensure employees feel valued and motivated to deliver their best
memberikan kinerja terbaik. Kesetaraan rasio gaji pokok antara performance. The Bank also maintains equality in base salary
karyawan laki-laki dan perempuan juga diterapkan, dengan ratios between male and female employees, with remuneration
tingkat remunerasi yang berada di atas UMR yang ditetapkan. levels above the applicable minimum wage. Performance-based
Pemberian remunerasi berbasis kinerja (pay for performance) remuneration (pay for performance) is provided by taking into
dilakukan dengan mempertimbangkan beberapa aspek sebagai account the following aspects: [405-2]
berikut: [405-2]
• Kinerja keuangan Bank; • The Bank’s financial performance;
• Kompetensi dan kinerja karyawan (meritocracy); • Employee competencies and performance (meritocracy);
• Asas kelayakan dan kepantasan sesuai dengan posisi/ • Appropriateness and fairness in line with position/role;
jabatan;
• Praktik remunerasi yang berlaku di pasar; serta • Market competitiveness in remuneration practice; and
• Kesetaraan internal. • Internal equity.
Permata Bank memastikan kesetaraan rasio gaji pokok antara Permata Bank ensures equal base salary ratios between male and
karyawan laki-laki dan perempuan. Selain upah, Bank juga female employees. In addition to wages, the Bank also provides
memberikan berbagai bentuk remunerasi dan tunjangan lainnya, various other forms of remuneration and benefits, including:
antara lain: [405-2] [405-2]
Tunjangan dan Remunerasi bagi Karyawan Tetap dan Karyawan Kontrak [401-2]
Benefits and Remuneration for Permanent and Contract Employees
Jenis Tunjangan Karyawan Tetap Karyawan Kontrak
Type of Allowance Permanent Employees Contract Employees
Tunjangan Transportasi | Transportation Allowance
Tunjangan Hari Raya | Holiday Allowance
Tunjangan Akhir Tahun | End of Year Allowance
Tunjangan Cuti | Leave Allowance X
Tunjangan Lembur | Overtime Allowance
Tunjangan Shift | Shift Allowance
Tunjangan Teller*) | Teller Allowance X
Keterangan | Note:
*)
Seluruh teller merupakan karyawan tetap.
All tellers are permanent employees.
Perbandingan Upah Karyawan Baru di Tingkat Terendah dengan Standar Upah Minimum Regional (UMR)
Tahun 2025*) [F.20]
Comparison of New Employee Wages at the Lowest Level with the Regional Minimum Wage (UMR) Standard
in 2025
114% 114%
*)
Rata-rata di berbagai wilayah.
Average across regions.
68 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 71
CUTI KARYAWAN EMPLOYEE LEAVE
Karyawan perempuan memperoleh hak cuti melahirkan selama 3 Female employees are entitled to 3 months of maternity leave
bulan dan cuti keguguran hingga 1,5 bulan, sementara karyawan and up to 1.5 months of miscarriage leave, while male employees
laki-laki berhak atas cuti ayah selama 5 hari serta cuti keguguran are entitled to 5 days of paternity leave and 3 days of miscarriage
selama 3 hari. Bank memastikan bahwa pengambilan cuti leave. The Bank ensures that taking leave does not result in the
tidak mengakibatkan hilangnya status maupun hak karyawan. loss of an employee’s status or rights. Throughout 2025, there
Sepanjang tahun 2025, tercatat 249 karyawan, terdiri dari 132 were 249 employees, consisting of 132 women and 117 men,
perempuan dan 117 laki-laki, telah memanfaatkan hak cuti utilized maternity and paternity leave entitlements, with a 100%
melahirkan dan cuti ayah, dengan tingkat kembali bekerja return-to-work rate. [401-3]
sebesar 100%. [401-3]
Permata Bank memberikan fleksibilitas pengaturan cuti melalui Permata Bank provides flexibility in leave arrangements through
pemberian cuti di luar tanggungan (unpaid leave) berdasarkan unpaid leave, subject to certain conditions, without eliminating
ketentuan tertentu, tanpa menghilangkan manfaat asuransi health insurance coverage and other benefits. The Bank also
kesehatan dan manfaat lainnya. Bank juga menyediakan cuti provides special leave, including religious leave, birthday leave
khusus, termasuk cuti ibadah, cuti ulang tahun yang dapat diambil that may be taken as one day on the employee’s birthday, and
satu hari pada hari ulang tahun karyawan, serta cuti CSER bagi CSER leave for employees involved in social and environmental
karyawan yang terlibat dalam kegiatan tanggung jawab sosial responsibility activities.
dan lingkungan.
SURVEI KETERIKATAN KARYAWAN [2-16][2-26] EMPLOYEE ENGAGEMENT SURVEY [2-16][2-26]
Permata Bank melakukan evaluasi atas strategi pengelolaan Permata Bank evaluates its management strategy for
PermataBankers melalui pengukuran tingkat pengalaman PermataBankers by measuring employee experience levels
karyawan yang dilaksanakan melalui Voice of PermataBankers through the Voice of PermataBankers Survey conducted by an
Survey oleh konsultan global independen. Pada tahun 2025, independent global consultant. By 2025, 82% of employees will
82% karyawan menyebut Permata Bank sebagai “Great Place call Permata Bank a “Great Place to Work,” and 75% will report
To Work”, dan 75% karyawan menyatakan memiliki pengalaman having a positive work experience.
kerja positif.
PENGADUAN MASALAH KETENAGAKERJAAN LABOR-RELATED GRIEVANCES [2-26] [FN-CB-510a.2]
[2-26][FN-CB-510a.2]
Permata Bank menerapkan prosedur Penanganan Keluh Kesah Permata Bank implements a Grievance Handling procedure to
untuk memastikan setiap permasalahan karyawan ditangani ensure that employee issues are addressed promptly, fairly, and
secara langsung, adil, dan objektif. PermataBankers dapat objectively. PermataBankers may raise employment-related
menyampaikan keluhan ketenagakerjaan secara informal melalui grievances informally through discussions with their supervisors.
diskusi dengan atasan. Apabila belum terselesaikan, keluhan If it has not been resolved, the complaint can be forwarded to the
dapat diteruskan kepada Direktorat People & Culture dan/atau People & Culture Directorate and/or through the labor union to be
melalui serikat pekerja untuk disampaikan kepada Direktorat submitted to the People & Culture Directorate supported by the
People & Culture dengan dukungan advokasi dari serikat pekerja labor union advocacy in accordance with applicable laws and
sesuai ketentuan peraturan perundang-undangan. Selain regulations. In addition to informal mechanisms, the Bank also
mekanisme informal, Bank juga menyediakan saluran formal provides formal channels through the whistleblowing system
melalui whistleblowing system (WBS) yang dapat diakses melalui (WBS), accessible via email, telephone, or an e-form on Permata
surat elektronik, telepon, maupun e-form pada situs web Permata Bank’s website.
Bank.
2025 Sustainability Report PT Bank Permata Tbk. 69
Page 72
Sehat
dan Sejahtera
Health and
Well-being
PENGEMBANGAN KOMPETENSI DAN KARIER COMPETENCY AND CAREER DEVELOPMENT OF
PERMATABANKERS [F.22][401-2] PERMATABANKERS [F.22][401-2]
Untuk mendukung pencapaian kinerja unggul, Permata Bank To support strong performance, Permata Bank adopts the
mengusung Employee Value Proposition (EVP) Learn, Grow, and Employee Value Proposition (EVP) “Learn, Grow, and Make a
Make a Difference sebagai landasan dalam pengembangan Difference” as the foundation for PermataBankers’ development.
PermataBankers. Bank pun menerapkan strategi pengembangan The Bank also implements a structured competency development
kompetensi yang terstruktur guna memastikan pencapaian strategy to support sustainable performance.
kinerja yang berkelanjutan.
Pengembangan dan pelaksanaan program pelatihan di Permata The development and implementation of training programs
Bank dikoordinasikan oleh Direktorat People & Culture dengan at Permata Bank are coordinated by the People & Culture
mengacu pada kerangka manajemen talenta dan strategi Bank. Directorate, guided by the Bank’s talent management framework
Dalam pelaksanaannya, Direktorat People & Culture bekerja and strategy. In its implementation, the People & Culture
sama dengan unit kerja terkait untuk melakukan analisis Directorate collaborates with relevant work units to conduct
kebutuhan pelatihan sehingga program yang diselenggarakan training needs analysis so that the programs implemented can
dapat mendukung penguatan kompetensi yang sesuai dengan support competency development that aligns with the Bank’s
kebutuhan Bank. needs.
Dalam rangka membangun kapabilitas SDM yang berkelanjutan, To build sustainable HR capabilities, the Bank ensures equal
Bank memastikan kesetaraan kesempatan kerja dan mendorong employment opportunities and encourages PermataBankers to
PermataBankers untuk mengambil inisiatif dalam pengembangan take initiative in self-development, both soft skills and hard skills.
diri, baik soft skill maupun hard skill. Inisiatif tersebut mencakup These initiatives include competency assessments, individual
penilaian kompetensi, perencanaan pengembangan individu, development planning, and coordination with supervisors to
serta koordinasi dengan atasan agar rencana pengembangan ensure development plans are implemented effectively. [F.18]
dapat diimplementasikan secara optimal. [F.18]
Kerangka Pembelajaran dan Pengembangan PermataBankers
PermataBankers Learning and Development Framework
Build Extraordinary Team and Employer of Choice
Technical Skills Soft Skills Leadership
Mandatory Certification Thinking Capabilities Leadership Program Trainee/Class Program
RMC, WPPE, AAJI, WMC, SPPUR, – Strategic Thinking – Leaders League – Trainee Program for RMs,
etc – Scenario Planning – Enterprise Leadership (ELP) Operation, Internal Audit
– Problem Solving & Decision – Business Leadership (BLP)
Professional Certification Making – Team Leadership (TLP) Leader Inspires Leader
CISA, CIA, CEH, CAMS, CDPO, etc – Customer Centric – Self Leadership (SLP) – Leadership sharing session
– Vision to Action from C-suite level non-banking
Business Capabilities Talent Program industry related to leadership
– Sales & Services Business Communication – Bangkok Bank Group Leadership topics
– Product Knowledge – Empathic Listening Program (BBGLA)
– Impactful Communication – Middle Management Leadership Leaders Insight Forum
Digital Capabilities – Presentation Skills Program (MMLA) – Business Leadership sharing
– Cyber Security – Emerging Leader Leadership session, business related topics
– Software Engineering Execution Excellence Academy (ELLA) by external/internal speakers
– IT Infrastructure & Operation – Process Improvement – First Level Leadership Academy
– Product & Data Management – Project Management (FLLA)
– AI; Digital Marketing – Change Management
CULTURE I-PRICE Values; Mandatory E-Learning; Culture Program; NEOP
ENABLER Digital Learning Platform; Learning System
70 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 73
Permata Bank memfokuskan pengembangan kepemimpinan Permata Bank focuses its leadership development on
pada penguatan kompetensi yang sejalan dengan nilai-nilai strengthening competencies aligned with the Bank’s I-PRICE
I-PRICE dan sembilan Kompetensi Kepemimpinan Permata Bank. values and its nine Permata Bank Leadership Competencies. To
Dalam mendukung pengembangan karier, Bank menerapkan support career development, the Bank implements a transfer and
sistem mutasi dan rotasi sebagai bagian dari pengelolaan rotation system as part of its talent management. Throughout
talenta. Sepanjang tahun 2025, sebanyak 140 PermataBankers 2025, 140 PermataBankers participated in the acceleration
berpartisipasi dalam program akselerasi. Selain itu, Bank mengisi program. Furthermore, the Bank filled 72% of its executive
72% posisi pejabat eksekutif melalui promosi internal sebagai officer position through internal promotions, demonstrating its
wujud komitmen terhadap pengembangan talenta dari dalam. commitment to developing talent from within.
Sembilan Kompetensi Kepemimpinan Permata Bank | Permata Bank’s Nine Leadership Competencies
Vision & Planning
Customer Interpersonal Analysis & Drive & Leading &
Business & Driving Team Work Agility
Focus Skill Judgement Courage Motivating
Sense Action
Permata Bank menyediakan pengalaman pembelajaran yang Permata Bank provides an integrated learning experience
terpadu melalui Permata Learning (PEARL) sebagai platform through Permata Learning (PEARL) as the employee competency
pengembangan kompetensi karyawan. PEARL mengintegrasikan development platform. PEARL integrates various learning
berbagai sarana pembelajaran, termasuk pelatihan dan seminar, channels, including training and seminars, video content,
konten video, gamifikasi, serta kegiatan coaching dan mentoring. gamification, as well as coaching and mentoring activities. In
Sejalan dengan transformasi digital, Bank juga meningkatkan line with digital transformation, the Bank also enhances online
kapabilitas pembelajaran daring melalui pemanfaatan learning learning capabilities through the use of learning studio.
studio.
Sepanjang tahun 2025, seluruh PermataBankers (100%) Throughout 2025, all PermataBankers (100%) participated in
mengikuti program pengembangan kompetensi dengan rata-rata competency development programs with an average of 74 hours
jam pelatihan sebesar 74 jam per orang, meningkat dari 71 jam per of training per person, up from 71 hours per person in 2024. The
orang pada tahun 2024. Program tersebut dilaksanakan melalui program was implemented through a combination of online and
kombinasi pembelajaran daring dan tatap muka, termasuk kelas face-to-face learning, including on-site classes, applications, and
onsite, aplikasi, dan media sosial. Untuk mendukung pelaksanaan social media. To support the program’s implementation, Permata
program, Permata Bank mengalokasikan anggaran pelatihan Bank allocated a training budget of IDR 65.1 billion, with realization
sebesar Rp65,1 miliar dengan realisasi Rp69,1 miliar, atau of IDR 69.1 billion, a 6% increase compared to 2024.
meningkat 6% dibandingkan tahun 2024.
Jumlah Jam Pelatihan Berdasarkan Jenis Pelatihan Tahun 2025 [404-1]
Number of Training Hours by Type of Training in 2025
Program Pelatihan Peserta Pelatihan (Orang) Total Jam Pelatihan (Jam)
Traning Program Training Participant (People) Total Training Hours (Hours)
Sertifikasi | Certification 4.466 21.358
Class Program 2.980 18.817
Kepemimpinan | Leadership 3.054 19.847
Soft Skills 17.807 58.353
Technical Skills 212.482 385.164
Jumlah | Total 240.789 503.539
2025 Sustainability Report PT Bank Permata Tbk. 71
Page 74
Sehat
dan Sejahtera
Health and
Well-being
Rata-Rata Jam Pelatihan Tahun 2025 [404-1]
Average Training Hours in 2025
Rata-rata Jam Pelatihan
Keterangan Jumlah Jam Pelatihan (Jam) Jumlah Karyawan (Orang) (Jam/Orang)
Description Total Training Hours (Hours) Total Employee (People) Average Training Hours
(Hours/Person)
Berdasarkan Jenis Kelamin | Based on Gender
Laki-Laki | Male 207.727 3.117 67
Perempuan | Female 295.786 3.712 80
Berdasarkan Tingkat Jabatan | Based on Position Level
Direksi | Board of Directors 526 9 58
Head Department 13.760 191 72
Supervisor 142.157 2.078 68
Officer 347.071 4.551 76
PERMATA LEARNING WEEK (PLW) PERMATA LEARNING WEEK (PLW)
Permata Learning Week (PLW) kembali diselenggarakan Permata Learning Week (PLW) was held again on August 5 – 7,
pada 5 – 7 Agustus 2025 sebagai bagian dari penguatan 2025 as part of strengthening the learning culture at Permata
budaya pembelajaran di Permata Bank. dengan tema “Thrive Bank. With the theme “Thrive for Excellence - Leveraging AI to
for Excellence – Leveraging AI to Unlock Potential”. Program Unlock Potential”. This program included 17 learning sessions
ini mencakup 17 sesi pembelajaran yang diikuti oleh 3.721 attended by 3,721 PermataBankers with a participation rate of
PermataBankers dengan tingkat partisipasi 18.614 meningkat 47% 18,614, an increase of 47% from the previous year. PLW raised the
dari tahun sebelumnya. PLW mengangkat topik keberlanjutan, topics of sustainability, artificial intelligence (AI) and well-being,
artificial intelligence (AI) dan well-being, serta dilengkapi berbagai and was equipped with various interactive activities, including AI
aktivitas interaktif, termasuk AI Photobooth, Aura Reading, Tarot, Photobooth, Aura Reading, Tarot, Arts & Crafts, Cooking Class, and
Art & Crafts, Cooking Class, dan standing booth. Seluruh sesi standing booths. All learning sessions are available on the PEARL
pembelajaran tersedia di platform PEARL. platform.
72 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 75
SUSTAINABLE LEARNING SERIES SUSTAINABLE LEARNING SERIES
Permata Bank menyelenggarakan berbagai program Permata Bank provides various competency development
pengembangan kompetensi yang mencakup pemahaman atas programs that build understanding of the characteristics of
karakteristik produk dan/atau jasa keuangan berkelanjutan serta sustainable financial products and/or services and their risk
pengelolaan risikonya. Upaya tersebut dilaksanakan melalui management. These efforts are delivered through training,
pelatihan, webinar, dan program pembelajaran lainnya yang webinars, and other learning programs under the Sustainable
tergabung dalam Sustainable Learning Series. Adapun tema Learning Series. Activity themes conducted include:
kegiatan yang diselenggarakan antara lain:
• How to Improving of Good Quality Sustainability Report • How to Improving of Good Quality Sustainability Report
• Introduction to Sustainable Finance • Introduction to Sustainable Finance
• Sustainability Series - Green Financing • Sustainability Series - Green Financing
• Renewable Energy Projects • Renewable Energy Projects
• Atomic Green Habits: Shaping Excellence for A Sustainable • Atomic Green Habits: Shaping Excellence for A Sustainable
Tomorrow Tomorrow
• Banking on Net Zero: Turning Climate Risk into Opportunity • Banking on Net Zero: Turning Climate Risk into Opportunity
for Strategic Growth for Strategic Growth
Sepanjang tahun 2025, Permata Bank memperkuat pemahaman Throughout 2025, Permata Bank strengthened employees’
karyawan mengenai keuangan berkelanjutan melalui penyediaan understanding of sustainable finance by providing self-learning
perangkat self-learning pada platform pembelajaran digital. materials on its digital learning platform. The Bank released
Bank merilis video e-learning ke 6 di Permata Learning (PEARL) its sixth e-learning video on Permata Learning (PEARL), which
yang membahas topik keuangan berkelanjutan dan penerapan discusses sustainable finance and the implementation of ESG,
aspek LST, yaitu Sustainable Finance Implementation in Permata titled Sustainable Finance Implementation in Permata Bank.
Bank. Di samping itu, Bank juga menyampaikan 30 email blast In addition, the Bank delivered 30 Sustainability Journey email
Sustainability Journey kepada karyawan sebagai media edukasi blasts to employees as a continues education channel.
berkelanjutan.
2025 Sustainability Report PT Bank Permata Tbk. 73
Page 76
Sehat
dan Sejahtera
Health and
Well-being
PROGRAM PENSIUN [201-3][404-2] PENSION PROGRAM [201-3][404-2]
Permata Bank menerapkan program pensiun dengan skema Permata Bank implements a defined contribution pension program
iuran tetap, di mana Bank memberikan kontribusi sebesar under which the Bank contributes 9% of an employee’s base
9% dari gaji pokok karyawan untuk premi pensiun. Selain itu, salary toward pension premiums. In addition, PermataBankers
PermataBankers diberikan fleksibilitas untuk mengelola iuran are provided flexibility to manage their pension contributions
kontribusi dana pensiun secara mandiri melalui sistem dan independently through the systems and mechanisms provided
mekanisme yang disediakan Bank sesuai dengan kebutuhan by the Bank, based on individual needs. The Bank also provides
masing-masing. Bank juga menyediakan program manfaat a retirement benefits program for employees entering normal
pensiun bagi karyawan yang memasuki masa pensiun normal, retirement, which includes pre-retirement training, leave facilities
yang mencakup pelatihan pra-pensiun, fasilitas cuti hingga satu of up to one week per month, and additional retirement benefit
minggu per bulan, serta tambahan uang manfaat pensiun. Pada payments. In 2025, the pre-retirement training program was
tahun 2025, program pelatihan menjelang pensiun telah diikuti attended by 157 PermataBankers, covering soft skills and technical
oleh 157 PermataBankers dengan materi pengembangan soft skills development for the post-retirement period.
skills dan technical skills pasca masa pensiun.
PENILAIAN KINERJA YANG ADIL [404-3] FAIR PERFORMANCE ASSESSMENT [404-3]
Permata Bank membangun lingkungan kerja yang adil dan Permata Bank builds a fair and transparent workplace through the
transparan melalui penerapan sistem penilaian kinerja yang implementation of an objective performance appraisal system.
objektif. Proses penilaian kinerja dilakukan secara konstruktif The performance appraisal process is conducted constructively
dengan menetapkan key performance indicator (KPI) di tingkat by establishing corporate-level key performance indicators (KPIs),
korporat yang kemudian diturunkan secara berjenjang menjadi which are then cascaded into individual performance objectives
individual performance objective (IPO) bagi setiap karyawan. (IPOs) for each employee. The established KPIs also include bank-
KPI yang ditetapkan termasuk juga KPI bankwide terkait wide KPIs related to Sustainability. Each leader is responsible
Keberlanjutan. Setiap pimpinan bertanggung jawab memastikan for ensuring alignment between individual targets and work unit
keselarasan antara target individu dan target unit kerja. Hasil targets. KPI and IPO achievement results are communicated
pencapaian KPI dan IPO dikomunikasikan kepada karyawan to employees as part of periodic performance evaluations,
sebagai bagian dari evaluasi kinerja yang dilakukan secara supported by leaders’ roles as mentors through guidance and
berkala, disertai dengan peran pimpinan sebagai mentor melalui feedback.
pemberian bimbingan dan umpan balik.
Permata Bank menetapkan final performance rating sebagai Permata Bank determines a final performance rating as the
hasil akhir evaluasi kinerja yang digunakan sebagai acuan dalam final outcome of the performance evaluation, which serves as
pengambilan keputusan terkait promosi, rotasi, dan remunerasi. a reference for decisions related to promotion, rotation, and
PermataBankers diberikan kesempatan untuk menyampaikan remuneration. PermataBankers are provided the opportunity to
keberatan atas hasil penilaian yang diterima. Sebagai tindak raise objections to their assessment results. As a follow-up, the
lanjut, Bank menyusun program Bimbingan & Pembinaan Kinerja Bank implements a Performance Guidance and Development
(BPK) dengan jangka waktu 4-11 bulan berdasarkan hasil evaluasi program (BPK) with a duration of 4-11 months based on the
tersebut. Pada akhir tahun 2025, penilaian kinerja telah dilakukan evaluation results. As of the end of 2025, performance evaluations
terhadap 92,4% dari total karyawan. were conducted for 92.4% of total employees.
Evaluasi Kinerja PermataBankers
Performance Evaluation of PermataBankers
2025 2024 2023
Keterangan
Description Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah Laki-laki Perempuan Jumlah
Male Female Total Male Female Total Male Female Total
Total karyawan yang direviu 2.829 3.494 6.323 2.871 3.544 6.415 2.993 3.758 6.751
(orang)
Total employees reviewed (people)
Total karyawan per 31 Desember 3.127 3.714 6.841 3.168 3.804 6.972 3.341 4.031 7.372
(orang)
Total employees as of 31
December (people)
Persentase karyawan yang 90,5 94,1 92,4 90,6 93,2 92,0 89,6 93,2 91,6
direviu (%)
Percentage of employees
reviewed (%)
74 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 77
Keselamatan dan
Kesehatan Kerja (K3) [F.21]
Occupational Health and Safety (OHS)
Sistem Manajemen Kesehatan
dan Keselamatan K3 (SMK3) [403-1][403-8]
Occupational Health and Safety Management System (OHSMS)
Permata Bank telah menerapkan Sistem Manajemen Kesehatan Permata Bank implements an Occupational Health and
dan Keselamatan Kerja (SMK3) yang mencakup seluruh Safety Management System (OHSMS) covering all (100%)
(100%) PermataBankers sebagaimana diatur dalam Kebijakan PermataBankers, as set out in the Occupational Health, Safety,
Kesehatan, Keselamatan Kerja, dan Lingkungan (K3L). Penerapan and Environment Policy. The implementation of OHSMS aims to
SMK3 bertujuan untuk mewujudkan lingkungan kerja yang create a proper, safe, and comfortable working environment for
layak, aman, dan nyaman bagi karyawan, nasabah, mitra, serta employees, customers, partners, and other stakeholders. OHSMS
pemangku kepentingan lainnya. Implementasi SMK3 dikelola implementation is managed by the Security, Safety and Support
oleh Departemen Security, Safety & Support Management (SSSM) Management (SSSM) Department under the Corporate Real
di bawah Divisi Corporate Real Estate Services (CRES) dalam Estate Services (CRES) Division within the Finance and Sharia
Direktorat Finance and Sharia Business Unit. Business Unit Directorate.
Identifikasi Risiko K3 [403-2]
OHS Risk Identification
Permata Bank melaksanakan pengelolaan K3 sesuai dengan Permata Bank manages occupational health and safety (OHS) in
Kebijakan K3L melalui identifikasi bahaya dan ancaman kerja, accordance with its OHS and Environment (HSE) Policy through
penilaian dan penanganan risiko K3, keamanan (security), the identification of workplace hazards and threats, OHS risk
serta kelangsungan usaha (business continuity planning/BCP). assessment and mitigation, security, and business continuity
Penerapan ini mendukung pencegahan kecelakaan kerja, planning (BCP). This implementation supports the prevention of
penyakit akibat kerja, dan kerusakan lingkungan. Selama periode workplace accidents, occupational diseases, and environmental
pelaporan, identifikasi bahaya dilakukan melalui Building Risk damage. During the reporting period, hazard identification was
Assessment (BRA) dan HSE Management Audit (HMA) di 16 kantor conducted through Building Risk Assessments (BRAs) and HSE
cabang utama. Bank mencatat 41 temuan BRA, 4 temuan HMA Management Audits (HMAs) at 16 main branch offices. The Bank
dan seluruhnya (100%) telah diselesaikan di akhir tahun 2025. recorded 41 BRAs findings and 4 HMAs findings, with all (100%)
completed by the end of 2025.
Risiko-Risiko K3 yang Teridentifikasi Tahun 2025
Identified OHS Risks for 2025
Jenis Aktivitas Potensi Risiko
Mitigasi Risiko [403-7] Risk Mitigation
Activity Type Risk Potential
• Memastikan peralatan yang digunakan berfungsi • Ensure all equipment is in proper working
dengan baik. condition.
Jatuh dari gedung • Menerapkan standar keselamatan. • Comply with safety standards.
tinggi • Menggunakan APD yang sesuai. • Use appropriate personal protective equipment
Pekerjaan Falling from a (PPE).
di gedung height • Memastikan operator yang bertugas memiliki • Verify that all operators hold valid certifications
perkantoran sertifikasi dari Kemnaker (ketinggian, sio, dan from the Ministry of Manpower (e.g., working at
Work in an office lainnya). heights, SIO certification).
building
• Pelaksanaan fire drill. • Conduct fire drills.
Kebakaran gedung • Pelatihan atau sharing terkait K3, pelatihan • Provide training and sharing sessions on OHS,
Building fire penggunaan APAR dan tanggap darurat. practice using APAR and emergency response
preparedness.
2025 Sustainability Report PT Bank Permata Tbk. 75
Page 78
Sehat
dan Sejahtera
Health and
Well-being
Risiko-Risiko K3 yang Teridentifikasi Tahun 2025
Identified OHS Risks for 2025
Jenis Aktivitas Potensi Risiko
Mitigasi Risiko [403-7] Risk Mitigation
Activity Type Risk Potential
Kecelakaan kerja • Memiliki dan menerapkan Contractor Safety • Implement and adhere to a Contractor Safety
pada kontraktor Management System. Management System (CSMS).
atau vendor • Pengelolaan kontraktor/vendor terkait pekerjaan • Manage contractors/vendors involved in
Work-related berbahaya di area masing-masing. hazardous work in designated areas.
accidents involving • Penerapan standar K3 di lokasi kerja. • Enforce OHS standards on-site.
contractors or
vendors
Proyek
pembangunan atau • Melaksanakan asesmen struktur untuk cabang • Perform structural assessments for owned
renovasi gedung milik sesuai periode jatuh tempo. Pada tahun branches based on scheduled deadlines. By
Building 2025, asesmen struktur telah dilaksanakan di 2 2025, structural assessments were completed for
construction or kantor cabang milik yang sudah berumur di atas 2 branches older than 25 years.
renovation projects 25 tahun.
Kerusakan gedung • Melaksanakan Initial Building Assessment (IBA), • Conduct Initial Building Assessments (IBA),
Building damage layout approval, HSE design review, dan on site layout approvals, HSE design reviews, and
review untuk pelaksanaan proses kajian dan on-site evaluations to guide the implementation
memberikan masukan terkait standar K3 mulai process. Provide feedback on OHS standards
dari tahap pencarian lokasi kantor, persetujuan starting from the office location selection,
layout, design hingga proses testing dan layout approval, design review, and testing and
commissioning. commissioning stages.
• Memastikan LOTO sudah dijalankan. • Ensure compliance with Lockout/Tagout (LOTO)
procedures.
Pekerjaan instalasi
• Menerapkan standar keselamatan. • Adhere to established safety standards.
electrical Electric shock & fire
• Penyediaan APAR. • Provide adequate fire extinguishers (APAR).
Electrical incident
• Menggunakan APD yang sesuai. • Use appropriate PPE.
installation work
• Memastikan operator yang bertugas memiliki • Confirm that operators hold valid Ministry of
sertifikasi Kemnaker Manpower certifications.
Media Komunikasi K3 [403-3]
OHS Communication Media
Permata Bank menyampaikan informasi K3L kepada seluruh Permata Bank communicates OHS and Environment (HSE)
karyawan melalui berbagai saluran komunikasi yang tersedia. information to all employees through various available
Penyediaan media komunikasi ini bertujuan untuk memperkuat communication channels. These channels are provided
pemahaman, kesadaran, dan kinerja karyawan dalam penerapan to strengthen employees’ understanding, awareness, and
K3L. Media komunikasi yang digunakan, antara lain: performance in implementing HSE. The communication media
used include:
1. CRES News 1. CRES News
Sepanjang tahun 2025, Permata Bank telah mengirimkan Throughout 2025, Permata Bank distributed 7 editions of
7 CRES News kepada seluruh PermataBankers. Informasi CRES News to all PermataBankers. The information was
tersebut disampaikan melalui surat elektronik sebagai delivered via email as an HSE communication channel to
media komunikasi K3L guna meningkatkan pemahaman enhance employees’ understanding and awareness of HSE
dan kepedulian karyawan terhadap penerapan K3L. Topik implementation. Topics covered included:
yang diangkat meliputi:
• Mini Medical Check Up (MCU) – dalam rangka Program • Mini Medical Check-Up (MCU) – as part of the National
Bulan K3 Nasional Occupational Health and Safety Month Program
• Jaga Kesehatan Selama Bekerja • Maintain Health While Working
• Jaga Kebersihan di Area Kerja • Maintain Cleanliness in the Work Area
• Hati-Hati Saat Naik dan Turun Tangga • Be Careful When Climbing and Descending Stairs
• Memilah Sampah, Langkah Kecil Berdampak Besar • Separating Waste: Small Steps with a Big Impact for the
Untuk Bumi Earth
• Kenali dan Pilah Sampahmu (3 kali penayangan) • Recognize and Sort Your Waste (3 screenings)
• Earth Hour 2025, 1 Jam Untuk Bumi • Earth Hour 2025, 1 Hour for the Earth
76 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 79
2. Kampanye Digital 2. Digital Campaigns
Penyampaian informasi K3L juga dilakukan melalui media HSE information is also conveyed through digital signage
digital signage yang terpasang di Kantor Pusat WTC II & installed at the WTC II Main Office & Bintaro Operational
Kantor Operasional Bintaro. Office.
Selain kedua media tersebut, PermataBankers dapat melaporkan In addition to these two channels, PermataBankers can report
insiden atau potensi bahaya terkait pekerjaan melalui formulir incidents or potential work-related hazards through an incident
pelaporan insiden. reporting form.
Permata Bank menyediakan wadah kolaboratif antara manajemen Permata Bank provides a collaborative forum between
dan PermataBankers melalui Panitia Pembina Keselamatan dan management and PermataBankers through the Occupational
Kesehatan Kerja (P2K3) atau Komite K3 untuk mengoptimalkan Safety and Health Committee, or K3 Committee, to optimize HSE
penerapan K3. Pada tahun 2025, Komite K3 beranggotakan implementation. In 2025, the K3 Committee consisted of 124
124 orang yang tersebar di 10 kantor utama dan dipimpin members across 10 main offices and was led by Management.
oleh Manajemen. Komite ini secara rutin menyelenggarakan The Committee routinely held quarterly meetings as a forum
pertemuan kuartalan sebagai sarana partisipasi dan konsultasi for PermataBankers’ participation and consultation in the
PermataBankers dalam pengembangan, implementasi, serta development, implementation, and evaluation of the OHSMS. The
evaluasi SMK3. Setiap hasil diskusi dilaporkan kepada pihak outcomes of discussions were reported to the authorized parties
berwenang guna memastikan kesesuaian pelaksanaan program to ensure alignment of the HSE program implementation with
K3 dengan prosedur yang berlaku. [403-4] applicable procedures. [403-4]
Pelatihan K3 [403-5]
OHS Training
Permata Bank meningkatkan pemahaman dan kesadaran K3 Permata Bank enhances OHS understanding and awareness by
melalui penyelenggaraan pelatihan K3 bagi PermataBankers, providing OHS training for PermataBankers, including mandatory
termasuk pelatihan wajib bagi petugas tertentu sesuai training for designated officers based on their assignments at
dengan penunjukan di masing-masing kantor. Materi K3 juga each office. OHS materials are also developed in the form of
dikembangkan dalam bentuk modul e-learning yang dapat e-learning modules accessible through Permata Bank’s internal
diakses melalui portal internal Permata Bank dan platform PEARL. portal and the PEARL platform. In 2025, the Bank conducted
Pada tahun 2025, Bank melaksanakan simulasi evakuasi secara limited evacuation drills and Emergency Response training at 185
terbatas serta pelatihan Tanggap Darurat di 185 kantor cabang. branch offices.
Pelatihan K3 yang Dilaksanakan Tahun 2025
OHS Training Conducted in 2025
Jumlah Peserta (Orang)
Topik Pelatihan Training Topic
Total Participants (People)
E-Learning HSE 5.656 HSE E-Learning
E-Learning P3K 426 First Aid E-Learning
Sertifikasi Peran Petugas Kebakaran 2 Fire Fighting Personnel Certification
2025 Sustainability Report PT Bank Permata Tbk. 77
Page 80
Sehat
dan Sejahtera
Health and
Well-being
Peningkatan Kualitas Kesehatan [403-6]
Health Quality Improvement
Permata Bank menyelenggarakan berbagai program kesehatan Permata Bank provides various health programs as part of its
sebagai bagian dari upaya peningkatan kualitas kesehatan efforts to enhance the well-being of PermataBankers, alongside its
PermataBankers, di samping komitmen dalam menciptakan commitment to creating a safe and healthy workplace. Programs
lingkungan kerja yang aman dan layak. Program yang implemented include:
dilaksanakan meliputi:
1. Program Bulan K3 Nasional 1. National OHS Month Program
• Desktop Wallpaper • Desktop Wallpaper
Merupakan kampanye Bulan K3 Nasional melalui A national OHS Month campaign by arranging
desktop wallpaper di seluruh PC/Laptop karyawan pada “Strengthening Human Resource Capacity in
tanggal 13-17 Januari 2025 dengan tema “Penguatan Supporting the Implementation of OHS Management
Kapasitas Sumber Daya Manusia Dalam Mendukung System (SMK3) to Increase Productivity” themed
Penerapan SMK3 untuk Meningkatkan Produktivitas” . desktop wallpaper on all employee PCs/Laptops on 13-
17 January, 2025.
• CRES News • CRES News
Merupakan kampanye Bulan K3 Nasional melalui email A National OHS Month campaign delivered via email,
berupa ajakan kepada staf untuk menjaga kesehatan encouraging staff to maintain their health while
selama bekerja, makanan sehat, dan ajakan untuk working, choose healthy foods, and participate in free
pemeriksaan kesehatan gratis di Kantor Pusat WTC II health checks at the WTC II Main Office and Bintaro
dan Kantor Operasional Bintaro. Operational Office.
• Pemeriksaan/inspeksi K3 di Kantor Pusat • OHS Inspections at Head Office
Merupakan kampanye Bulan K3 Nasional dengan cara A National OHS Month campaign conducted through
sosialisasi online kepada kapten lantai di 12 gedung online socialization to floor captains across 12 main
utama untuk melakukan pemeriksaan K3 di area kerja buildings to carry out OHS inspections in their respective
masing-masing. work areas.
• Senam Pekerja Sehat • Healthy Worker Exercise Program
Merupakan kampanye Bulan K3 Nasional berupa A National OHS Month campaign inviting staff at the
ajakan kepada staf di Kantor Bintaro untuk menjaga office of Bintaro to maintain their health by participating
kesehatan dengan melakukan olahraga senam pekerja in healthy worker exercise sessions.
sehat.
• Webinar K3 • OHS Webinar
Dilaksanakan pada tanggal 10 Februari 2025 oleh Held on February 10, 2025, by speakers from the
pembicara dari Pejabat Departemen Tenaga Kerja Banten Province Department of Manpower and a
Provinsi Banten dan dokter Pulmonologi (Paru-Paru) Pulmonologist, the theme was “Strengthening Human
dengan tema “Penguatan Kapasitas Sumber Daya Resource Capacity in Supporting the Implementation of
Manusia Dalam Mendukung Penerapan SMK3 untuk Occupational Health and Safety Management System
Meningkatkan Produktivitas”. Kegiatan ini diikuti oleh (SMK3) to Increase Productivity.” This activity was
Direksi dan staf dari seluruh Indonesia. Dalam webinar attended by Directors and staff from across Indonesia.
ini, staff juga dapat memperoleh informasi terkait In this webinar, staff also received information regarding
program Kemenaker pada bulan K3 Nasional tahun the Ministry of Manpower’s program for National
2025, trik agar produktivitas tinggi dengan tetap sehat Occupational Health and Safety Month 2025, tricks for
dan bugar saat bekerja, bagaimana melindungi diri dan high productivity while staying healthy and fit at work,
keluarga agar tidak tertular virus HMPV yang sedang and how to protect themselves and their families from
marak. contracting the rampant HMPV virus.
2. Earth Hour 2. Earth Hour
Pada periode Maret 2025, Permata Bank mengajak seluruh In March 2025, Permata Bank invited all PermataBankers
PermataBankers untuk berpartisipasi dalam program Earth to participate in the Earth Hour program by turning off their
Hour dengan mematikan lampu selama 1 jam. Partisipasi lights for one hour. Participation was carried out by sending
dilakukan dengan penyampaian imbauan melalui surat an email to employees to turn off the electricity at home,
elektronik kepada karyawan untuk mematikan listrik di and to branch offices to turn off their signage lights for
rumah, serta kepada kantor cabang untuk mematikan lampu approximately one hour, from 8:30–9:30 PM local time.
signage selama kurang lebih satu jam, yaitu pukul 20.30–
21.30 waktu setempat.
78 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 81
3. Kantin Sehat 3. Healthy Canteen
Permata Bank melaksanakan penyuluhan higiene sanitasi Permata Bank conducted healthy food hygiene and
pangan sehat bagi penyedia makanan di kantin Kantor sanitation outreach for food providers at the Bintaro Office
Bintaro (Tangerang Selatan) dan Kantor Hayam Wuruk (South Tangerang) and the Hayam Wuruk Office (Jakarta)
(Jakarta) sebanyak 2 kali di tahun 2025. twice in 2025.
WORK-LIFE BALANCE WORK-LIFE BALANCE
Permata Bank mendorong penerapan work-life balance bagi Permata Bank promotes work-life balance for employees
karyawan melalui penyelenggaraan program olahraga Permata through the Permata Olympics sports program. The program
Olympics. Program ini bertujuan untuk mendukung peningkatan aims to support improved work effectiveness and productivity
efektivitas dan produktivitas kerja sekaligus mendorong while encouraging a healthy and balanced lifestyle, both in the
penerapan gaya hidup sehat dan seimbang, baik di lingkungan workplace and in employees’ personal lives. In 2025, the Permata
kerja maupun kehidupan pribadi. Pada tahun 2025, program Olympics program was attended by 1,922 PermataBankers.
Permata Olympics diikuti oleh 1.922 PermataBankers.
Promosi Kesehatan [403-7]
Health Promotion
Permata Bank menyediakan skema Flexible Benefit yang Permata Bank provides a Flexible Benefit scheme that enables
memungkinkan PermataBankers memilih dan memperoleh PermataBankers to select and access health benefits flexibly
manfaat kesehatan secara fleksibel sesuai dengan kebutuhan based on individual needs. As of 2025, 1,924 employees, covering
masing-masing. Hingga tahun 2025, sebanyak 1.924 karyawan a total of 5,611 insurance participants, have adjusted their health
dengan total 5.611 peserta asuransi telah melakukan penyesuaian benefit selections. The Bank also enhances access to health
manfaat kesehatan. Selain itu, Bank meningkatkan akses layanan services through adjustments to insurance limits and the use of
kesehatan melalui penyesuaian limit asuransi serta pemanfaatan Telehealth services for health consultations.
layanan Telehealth untuk konsultasi kesehatan.
Bank juga menyediakan berbagai fasilitas kesehatan untuk The Bank also provides various health facilities to support
mendukung kesejahteraan karyawan, antara lain tas dan obat- employee well-being, including first-aid kits and medicines at all
obatan P3K di seluruh kantor cabang, layanan dokter melalui branch offices, doctor services through clinics, and the availability
klinik, serta ketersediaan alat P3K seperti tandu, tabung oksigen, of first-aid equipment such as stretchers, oxygen cylinders, and
dan kursi roda. Selain itu, ruang menyusui disediakan di 3 Kantor wheelchairs. In addition, nursing rooms are available at 3 main
Utama, yaitu Hayam Wuruk, WTC II, dan Bintaro. Bank juga offices, namely Hayam Wuruk, WTC II, and Bintaro. The Bank
memberikan fasilitas medical check-up (MCU) bagi karyawan also provides medical check-up (MCU) facilities for permanent
tetap dengan masa kerja minimal satu tahun. employees with a minimum tenure of one year.
Permata Bank menyelenggarakan program Permata ReCharge, Permata Bank organizes the Permata ReCharge program, a
yaitu sebuah program kesejahteraan karyawan yang holistic holistic employee wellbeing initiative conducted continuously for
dan berlangsung secara terus menerus selama 12 bulan untuk 12 months to help improve employees’ overall health physically
membantu mencapai peningkatan kesehatan karyawan mentally and financially while fostering a positive and productive
sebagai pribadi, baik dari segi fisik, mental dan keuangan dalam work environment.
menciptakan lingkungan kerja yang positif dan produktif.
Program ini diikuti oleh 500 karyawan. Dalam program ini para The program was attended by 500 employees. In this program
peserta dapat melakukan konsultasi langsung dengan para coach participants were able to consult directly with coaches in nutrition,
di bidang nutrisi, physical coach, financial coach, dan psikolog. physical training, financial planning, and psychology. Participants
Para peserta ditantang untuk mengkonsumsi makanan sehat, were challenged to consume healthy food, exercise regularly, stay
rutin berolahraga, aktif bergerak, serta diajak untuk merawat dan physically active and were encouraged to care for, and maintain
memelihara kesehatan mental. their mental health.
2025 Sustainability Report PT Bank Permata Tbk. 79
Page 82
Sehat
dan Sejahtera
Health and
Well-being
Kecelakaan Kerja [403-9]
Work Accidents
Per 31 Desember 2025, tercatat 2 insiden kecelakaan kerja di As of 31 December 2025, 2 workplace accident incidents were
lingkungan Bank, yang seluruhnya bersifat ringan. Evaluasi recorded within the Bank, all of which were minor. Permata Bank
menyeluruh juga telah dilakukan oleh Permata Bank untuk also conducted a comprehensive evaluation to identify root
mengidentifikasi penyebab dan merumuskan rekomendasi causes and formulate corrective action recommendations to
perbaikan atas insiden kecelakaan kerja guna mencegah prevent similar incidents in the future.
kejadian serupa di masa mendatang.
Tingkat Kecelakaan Kerja Karyawan
Employee Workplace Accidents
Kategori Kecelakaan
2025 2024 2023
Accident Category
Ringan | Minor 2 3 0
Sedang/Berat | Moderate/Severe 0 0 0
Fatal 0 0 0
Rantai Pasok
yang Bertanggung Jawab
Responsible Supply Chain
Pelibatan Pemasok Lokal [204-1]
Local Supplier Engagement
Permata Bank memastikan keterlibatan aktif pemasok lokal Permata Bank ensures the active involvement of local suppliers
dalam rantai pasoknya, yang didefinisikan sebagai pihak yang in its supply chain, defined as parties operating in Indonesia or
beroperasi di Indonesia atau wilayah tertentu di dalam negeri. specific domestic regions. The Bank integrates environmental,
Bank mengintegrasikan aspek lingkungan, sosial, dan tata social, and governance (ESG) aspects into its procurement process
kelola (LST) ke dalam proses pengadaan sebagai bagian dari as part of its long term commitment to promoting sustainable
komitmen jangka panjang dalam mendorong praktik bisnis yang business practices across its vendor ecosystem.
berkelanjutan di seluruh ekosistem vendor.
Implementasi kebijakan ini diperkuat melalui pencantuman The implementation of this policy is reinforced by the inclusion
standar LST dalam Letter of Integrity (LoI) dan Code of Conduct of ESG standards in the Letter of Integrity (LoI) and the Code
(CoC) yang wajib ditandatangani oleh seluruh vendor Permata of Conduct (CoC), which must be signed by all Permata Bank
Bank, baik vendor baru maupun vendor lama. Langkah ini vendors, both new and existing. This step is taken to ensure
dilakukan untuk memastikan kepatuhan yang konsisten terhadap consistent compliance with ethical governance and sustainability
prinsip‑prinsip etika, tata kelola, dan keberlanjutan. principles.
Selain itu, Permata Bank menyelenggarakan dua kegiatan In addition, Permata Bank conducted two sustainability
komunikasi dan edukasi keberlanjutan pada 30 Juni 2025 dan communication and education sessions on 30 June 2025 and
18 November 2025. Kegiatan ini merupakan forum dialog dan 18 November 2025. These activities served as dialogue and
pembelajaran yang bertujuan untuk meningkatkan pemahaman learning forums aimed at enhancing vendors’ understanding
vendor terhadap penerapan standar LST dan mendukung upaya of ESG standards implementation and supporting continuous
perbaikan berkelanjutan di lingkungan pemasok. improvement efforts within the supplier environment.
80 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 83
Melalui rangkaian inisiatif tersebut, Permata Bank menegaskan Through this series of initiatives, Permata Bank reaffirms its
komitmennya untuk memperkuat praktik pengadaan yang commitment to strengthening responsible procurement practices
bertanggung jawab serta mendorong vendor agar berperan aktif and encouraging vendors to play an active role in maintaining
dalam menjaga keberlanjutan operasional. operational sustainability.
Pengadaan Barang dan Jasa
Procurement of Goods and Services
2025 2024 2023
Jenis Pemasok Jumlah Nilai Pengadaan Jumlah Nilai Pengadaan Jumlah Nilai Pengadaan
Supplier Type Pemasok (Rp Miliar) Pemasok (Rp Miliar) Pemasok (Rp Miliar)
Number of Procurement Value Number of Procurement Value Number of Procurement Value
Suppliers (IDR Billion) Suppliers (IDR Billion) Suppliers (IDR Billion)
Lokal | Local 355 4.769 407*)) 4.842*) 381*) 4.130*)
Luar Negeri | International 20 384 19 *)
99 *)
19 *)
82*)
Jumlah | Total 375 5.153 426*) 4.914*) 400 4.212*)
*)
Penyajian kembali informasi karena adanya penyesuaian perhitungan
Restatement of information due to calculation adjustments
Asesmen LST Pemasok [413-2]
Supplier ESG Assessment
Permata Bank menerapkan standar keberlanjutan sebagai bagian Permata Bank applies sustainability standards as part of its
dari persyaratan kerja sama dengan pemasok. Bank memastikan partnership requirements with suppliers. The Bank ensures that
bahwa seluruh pemasok memenuhi kriteria sosial dan lingkungan all suppliers meet responsible social and environmental criteria,
yang bertanggung jawab, termasuk menjalankan kegiatan usaha including conducting business activities without causing negative
tanpa menimbulkan dampak negatif terhadap lingkungan serta environmental impacts and respecting human rights for all
menghormati hak asasi manusia (HAM) bagi seluruh pekerja. workers.
Komitmen ini ditetapkan melalui Letter of Integrity (LoI) dan Code This commitment is formalized through the Letter of Integrity (LoI)
of Conduct (CoC), yang wajib ditandatangani sebelum kerja and the Code of Conduct (CoC), which must be signed prior to the
sama dimulai. Melalui dokumen ini, pemasok diwajibkan untuk commencement of any partnership. Through these documents
menjalankan usaha secara berintegritas, menerapkan praktik tata suppliers are required to conduct business with integrity
kelola yang baik, serta bertanggung jawab terhadap pemangku implement good governance practices and act responsibly
kepentingan, masyarakat, dan lingkungan. toward stakeholders communities and the environment.
Selain itu, pemasok juga harus mematuhi ketentuan mengenai In addition suppliers must comply with provisions prohibiting child
larangan pekerja anak dan tenaga kerja paksa, menjaga labor and forced labor uphold equality and fairness adhere to anti
kesetaraan dan keadilan, mengikuti kebijakan antisuap, dan bribery policies and implement occupational health and safety
menerapkan sistem keselamatan dan kesehatan kerja (K3). OHS systems. These requirements form part of Permata Bank’s
Persyaratan ini menjadi bagian dari komitmen Permata Bank commitment to maintaining a sustainable and ethical supply
untuk menjaga rantai pasok yang berkelanjutan dan beretika. chain.
2025 Sustainability Report PT Bank Permata Tbk. 81
Page 84
Sehat
dan Sejahtera
Health and
Well-being
Inovasi dan Pengembangan Produk
dan/atau Jasa Keuangan Berkelanjutan [F.26]
Innovation and Development of Sustainable Finance Products and/or Services
Dalam mendukung peningkatan layanan dan efisiensi To support service improvements and operational efficiency,
operasional, Permata Bank terus mendorong pengembangan Permata Bank continues to drive digital development across
digital di seluruh lini bisnis. Inovasi digital juga dimanfaatkan all business lines. Digital innovation is also leveraged in the
dalam pengembangan produk keuangan berkelanjutan guna development of sustainable financial products to provide
menyediakan layanan keuangan yang inklusif, adil, formal, dan inclusive, fair, formal, and responsible financial services for
bertanggung jawab bagi nasabah serta masyarakat Indonesia. customers and the Indonesian public. Permata Bank’s digital
Berbagai produk digital Permata Bank dapat diakses melalui QR products can be accessed through QR Pay, API banking, mobile
Pay, API banking, mobile banking, internet banking PermataNet, banking, PermataNet internet banking, digital value chain, model
digital value chain, model branch, dan super app Permata ME. branches, and the Permata ME super app.
Produk dan layanan digital Permata Bank dikembangkan Permata Bank’s digital products and services are developed in
sesuai dengan fungsi dan kebutuhan pengguna. Salah satunya line with user functions and needs. One example is application
adalah application programming interface (API) banking atau programming interface (API) banking, or PermataAPI, which is
PermataAPI, yang dimanfaatkan oleh Lembaga Keuangan utilized by Sharia Financial Institutions, including Sharia Rural
Syariah, termasuk Bank Pembiayaan Rakyat Syariah (BPRS), Banks (BPRS), to provide convenience in conducting transactions
untuk memberikan kemudahan transaksi kepada UMKM dan to MSMEs and Low-Income Individuals in a more digital and
Perorangan Berpenghasilan Rendah (PBR) secara lebih digital efficiently. In addition, Permata ME provides more than 200
dan efisien. Selain itu, Permata ME menghadirkan lebih dari financial service features under a “phygital” concept that
200 fitur layanan keuangan dengan konsep “phygital” yang integrates digital and physical services. Support for MSMEs is also
mengintegrasikan layanan digital dan fisik. Dukungan terhadap strengthened through the use of PermataQR digital products.
UMKM juga diperkuat melalui pemanfaatan produk digital
PermataQR.
Segmen Commercial Banking turut mengembangkan versi The Commercial Banking segment also developed the latest
terbaru Permata eBusiness yang memberikan kemudahan akses version of Permata eBusiness, providing easier access to account
saldo rekening serta pelaksanaan berbagai transaksi perbankan, balances and enabling various banking transactions such
seperti pemindahbukuan, SKN, RTGS, BI-FAST, domestik transfer, as internal transfers, SKN, RTGS, BI FAST, domestic transfers,
remitansi, dan pengelolaan rekening. Per akhir tahun 2025, remittances, and account management. As of the end of 2025
Permata ME mencatat peningkatan jumlah pengguna sebesar Permata ME recorded a 10 percent increase in the number of
10% diikuti dengan pengembangan baru berupa fitur QRIS users, followed by new enhancements including the NFC based
Tap berbasis NFC, QRIS Cross Border Jepang, fitur kelola limit QRIS Tap feature QRIS Cross Border Japan debit card transaction
transaksi kartu debit, dan fitur keamanan penguncian rekening limit management and a self service account locking security
secara mandiri. feature.
Per akhir tahun 2025, jumlah pengguna Permata e-Business By the end of 2025, the number of Permata e-Business users
mencapai 1.776 pengguna, dengan volume transaksi mencapai will reach 1,776, with a transaction volume of IDR 14.7 trillion per
Rp14,7 Triliun per bulan. month.
Kinerja Perbankan Digital
Digital Banking Performance
Satuan
Uraian 2025 2024 2023
Unit
Jumlah Pengguna | Number of Users
Permata ME 1.949.539 1.764.339*) 1.515.045*)
Jumlah Pembukaan Rekening Tabungan melalui Permata ME 324.651 364.931 *)
419.014*)
Savings Account Openings via Permata ME Pengguna
Users
PermataNet 358.834 348.868 326.508
PermataAPI 193 171 192
Jumlah Frekuensi Transaksi | Total Transactions
Permata ME 380.648.543 399.052.337 356.117.162
Transaksi
PermataNet 10.532.022 17.059.243 18.189.213
Transactions
PermataAPI 112.969.147 89.148.674 32.004.765
*)
Penyajian kembali informasi karena adanya penyesuaian perhitungan
Restatement of information due to calculation adjustments
82 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 85
Dalam mengembangkan produk dan layanan digital, Permata In developing digital products and services, Permata Bank
Bank memastikan kepatuhan terhadap prosedur dan kebijakan ensures compliance with internal procedures and policies,
internal, ketentuan perbankan yang berlaku, serta persetujuan applicable banking regulations, and required approvals from
dari OJK dan Bank Indonesia. Upaya tersebut dilakukan Financial Services Authority and Bank Indonesia. These efforts
untuk menjaga dan melindungi ketersediaan, integritas, dan are undertaken to safeguard and protect the availability, integrity,
kerahasiaan informasi dari berbagai potensi gangguan, baik and confidentiality of information from potential disruptions, both
internal maupun eksternal. internal and external.
Dampak atas Produk dan Layanan [F.28][413-2]
Impact of Products and Services
Melalui penyediaan berbagai produk dan layanan keuangan, Through the provision of a range of financial products and
Permata Bank berupaya memberikan dampak positif bagi services, Permata Bank seeks to deliver positive impacts on
peningkatan inklusi keuangan dan pertumbuhan ekonomi. financial inclusion and economic growth. Digital services and
Layanan digital dan keuangan mikro memungkinkan Bank microfinance enable the Bank to reach communities that
menjangkau masyarakat yang sebelumnya belum memiliki akses previously lacked access to formal banking services. In addition,
ke layanan perbankan formal. Di sisi lain, pembiayaan usaha micro-business financing for MSMEs supports job creation and
mikro kepada UMKM berperan dalam menciptakan lapangan helps reduce social inequality. The development of green bond
kerja dan menekan kesenjangan sosial. Pengembangan products and the digitalization of banking services also support
produk green bonds serta digitalisasi layanan perbankan emissions reduction efforts by lowering the need for physical
juga mendukung upaya pengurangan emisi karbon dengan banking activities.
menurunkan kebutuhan aktivitas perbankan secara fisik.
Sejalan dengan itu, bank juga menyadari bahwa produk dan In line with this the Bank also recognizes that its products and
layanan berpotensi memberikan dampak negatif seperti risiko services may pose potential negative impacts such as fraud risk
penipuan dan kebocoran data nasabah. Untuk memitigasinya and customer data breaches. To mitigate these risks the Bank
Bank membekali nasabah dengan edukasi keamanan layanan provided digital service security education 41 times consisting of
digital digital sebanyak 41 kali yang terdiri dari 29 kali edukasi 29 educational communications through the Bank’s official social
melalui akun social media resmi Bank dan 12 kali edukasi yang media accounts and 12 educational messages delivered via email
dikirimkan melalui email blast dan push notifications di tahun blasts and push notifications in 2025.
2025.
Pemasaran dan Pelabelan [F.17][417-1][417-2][417-3]
Marketing and Labeling
Permata Bank memastikan akses informasi produk dan layanan Permata Bank ensures equal and convenient access to
yang setara dan mudah bagi nasabah melalui berbagai kanal, information on products and services for customers through
termasuk situs resmi, kantor cabang, Permata ME, call center, dan multiple channels, including the official website, branch offices,
media sosial. Selain itu, Bank juga berupaya menyajikan dokumen Permata ME, the call center, and social media. The Bank also
resmi, seperti brosur, ringkasan informasi produk dan layanan, dan strives to present official documents, such as brochures, product
kontrak perjanjian dengan bahasa yang sederhana dan mudah and service information summaries, and agreement contracts,
dipahami. Seluruh komunikasi pemasaran ditelaah terlebih in clear and easy-to-understand language. All marketing
dahulu oleh Compliance, Legal, dan Marketing Communication. communications are reviewed in advance by Compliance, Legal,
and Marketing Communication.
Sepanjang tahun 2025, Permata Bank tidak mencatat adanya Throughout 2025, Permata Bank did not record any non-
insiden ketidakpatuhan terkait informasi produk maupun compliance incidents related to product information or marketing
komunikasi pemasaran. Hal ini didukung oleh pelatihan yang communications. This is supported by training provided to the
diberikan kepada Tim Penjualan agar mampu menjelaskan biaya, Sales Team to ensure they can clearly explain product fees, risks,
risiko, manfaat, serta syarat dan ketentuan produk secara jelas benefits, and terms and conditions to customers, with reference to
kepada nasabah, dengan mengacu pada Ringkasan Informasi the Product and Service Information Summary (RIPLAY), including
Produk dan Layanan (RIPLAY), baik RIPLAY Umum dan juga both the General RIPLAY and the Personal RIPLAY.
RIPLAY Personal.
2025 Sustainability Report PT Bank Permata Tbk. 83
Page 86
Sehat
dan Sejahtera
Health and
Well-being
Evaluasi Keamanan Produk [F.27][F.29]
Product Safety Evaluation
Permata Bank memastikan seluruh produk dan layanan digital Permata Bank ensures that all digital products and services comply
memenuhi ketentuan regulator sebelum dipasarkan, di mana with regulatory requirements before being launched to the market.
berdasarkan risk assessment sesuai dengan ketentuan Bank Based on risk assessments in accordance with provisions issued
Indonesia, dilakukan audit keamanan Tl, untuk tingkat risiko by Bank Indonesia, IT security audits are conducted for products
sedang dan tinggi. Evaluasi dilakukan melalui proses penilaian classified as medium and high risk. Evaluations are carried out
risiko (risk assessment), audit keamanan TI, pengujian keamanan through risk assessment processes, IT security audits, penetration
(penetration testing), evaluasi proses dan prosedur operasional testing, reviews of operational processes and standard operating
standar, serta Security Operation Center (SOC) yang beroperasi procedures, and continuous monitoring by the Security Operation
secara berkelanjutan selama 24 jam sehari dan 7 hari seminggu. Center (SOC) operating 24 hours a day 7 days a week. In addition
Di samping itu, pengujian keamanan TI juga melibatkan pihak IT security testing also involves independent third parties that are
ketiga independen yang merupakan anggota Self-Regulatory members of a Self Regulatory Organization (SRO) or the Asosiasi
Organization (SRO) atau Asosiasi Sistem Pembayaran Indonesia Sistem Pembayaran Indonesia appointed by Bank Indonesia.
(ASPI) yang ditunjuk oleh Bank Indonesia.
Permata Bank juga menerapkan standar keamanan dan perizinan Permata Bank also applies Bank of Indonesia and Financial
Bank Indonesia dan OJK dalam pengelolaan produk dan layanan Services Authority security standards and licensing requirements
baru, termasuk kewajiban kepemilikan laporan perizinan dan in managing new products and services, including the requirement
tidak adanya temuan terbuka dari penetration test serta audit TI. to hold the relevant licensing documentation and to have no open
Layanan yang telah memperoleh izin dimonitor sesuai prosedur findings from penetration testing and IT audits. Licensed services
SLA TI dan mekanisme change management, yang mensyaratkan are monitored in accordance with IT SLA procedures and change
pelaksanaan security acceptance test sebelum digunakan atau management mechanisms, which require a security acceptance
dilakukan perubahan. Dengan mekanisme tersebut, sepanjang test to be conducted before use or before any changes are
tahun 2025, tidak terdapat produk dan layanan keuangan yang implemented. With these mechanisms in place, throughout 2025
ditarik dari program penjualan. no financial products or services were withdrawn from sales
programs.
84 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 87
Pelayanan Optimal
bagi Kepuasan Nasabah
Optimal Service for Customer Satisfaction
Layanan Keuangan yang Inklusif
Inclusive Financial Services
Bank mendorong peningkatan kesejahteraan ekonomi The Bank promotes the improvement of community economic
masyarakat melalui penyediaan layanan keuangan yang welfare through the provision of inclusive financial services. One of
inklusif. Salah satu inisiatif yang dijalankan adalah penyaluran the initiatives implemented is the distribution of macroprudential
pembiayaan inklusif makroprudensial kepada segmen tertentu, inclusive financing to specific segments including Micro Small
termasuk pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), and Medium Enterprises (MSMEs) formal sector workers and
pelaku ekonomi formal, serta pensiunan dengan tingkat retirees with relatively low income levels.
pendapatan relatif rendah.
Pada tahun 2025, Unit Usaha Syariah (UUS) berhasil mencapai In 2025, the Sharia Business Unit (SBU) successfully achieved
Rasio Pembiayaan Inklusif Makroprudensial (RPIM) sebesar a Macroprudential Inclusive Financing Ratio of 10.94%
10.94% yang didukung dari pemberian pembiayaan kepada supported by direct financing to MSMEs amounting to IDR
UMKM secara langsung sebesar Rp418 Miliar, Pembiayaan 418 billion, financing to low-income individuals amounting
Kepada Perorangan Berpenghasilan Rendah (PBR) sebesar to IDR 243 billion, working capital financing to non-bank
Rp243 Miliar, Pembiayaan modal kerja kepada Lembaga Jasa financial services institutions supporting MSMEs amounting to
Keuangan (LJK) non-Bank yang mendukung UMKM sebesar IDR 1.8 trillion and Inclusive Financing Securities amounting to
Rp1,8 Triliun dan Surat Berharga Pembiayaan Inklusif sebesar IDR 99 billion. This amount confirms SBU’s commitment to
Rp99 Miliar. Jumlah tersebut menegaskan komitmen UUS di supporting inclusive financial services to all customers.
dalam mendukung layanan keuangan yang inklusif kepada
seluruh nasabah.
Berdasarkan RAKB 2025, Permata Bank menyediakan produk- Based on the 2025 Sustainable Finance Action Plan, Permata Bank
produk keuangan inklusif yaitu pembiayaan inklusif makro provides inclusive finance products, namely macroprudential
prudensial berupa peningkatan pembiayaan langsung kepada inclusive financing, including increased direct financing to MSMEs
UMKM, PBR, LJK non-Bank yang mendukung UMKM, serta and low-income individuals, financing to non-bank financial
berkontribusi dalam investasi surat berharga yang merupakan institutions that support MSMEs, and investments in securities that
sumber dana untuk program pengembangan UMKM, PBR, serve as funding sources for MSME and low-income individual
dan/atau pembiayaan inklusif. development programs and/or inclusive financing.
2025 Sustainability Report PT Bank Permata Tbk. 85
Page 88
Sehat
dan Sejahtera
Health and
Well-being
Keamanan Siber
Cybersecurity
Seiring meningkatnya digitalisasi perbankan, Permata Bank As banking digitalization continues to expand, Permata Bank
memperkuat pengelolaan keamanan siber melalui penerapan strengthens cybersecurity management by implementing
kontrol internal yang efektif dan sesuai dengan ketentuan yang effective internal controls in line with applicable requirements. The
berlaku. Bank berupaya memitigasi risiko keamanan informasi Bank seeks to mitigate information security risks that may affect
yang dapat berdampak pada sistem, proses, sumber daya systems, processes, human resources, and third parties, and to
manusia, dan pihak ketiga, serta memastikan risiko tersebut tetap ensure these risks remain within controlled limits.
berada dalam batas yang terkendali.
Sebagai wujud komitmen terhadap ketahanan siber, Bank As a manifestation of its commitment to cyber resilience, the
memiliki Cyber Security Program, yang berfokus pada penguatan Bank has established a Cyber Security Program focused on
Tata Kelola, Kapabilitas serta keamanan dan ketahanan siber strengthening governance capabilities as well as cyber security
(KKS) sebagai bagian dari upaya menjaga keberlangsungan and resilience as part of its efforts to ensure service continuity
layanan, perlindungan data, dan stabilitas operasional data protection and operational stability. The program is regularly
perusahaan. Program ini secara berkala di bahas pada IT Steering discussed at the IT Steering Committee (ITSC). In addition the Bank
Committee (ITSC) Selain itu, Bank telah memperoleh sertifikasi has obtained ISO 27001:2022 Information Security Management
ISO 27001:2022 Sistem Manajemen Keamanan Informasi pada System certification covering the development and operations
lingkup Pengembangan dan Operasional Core Banking System. of the Core Banking System. The Bank also conducts an annual
Bank juga melakukan penilaian tahunan atas tingkat maturitas assessment of its cyber resilience and security maturity level in
ketahanan dan keamanan siber berdasarkan SEOJK Nomor accordance with SEOJK Number 29/SEOJK.03/2022 concerning
29/SEOJK.03/2022 tentang Ketahanan dan Keamanan Siber Cyber Resilience and Security for Commercial Banks issued
bagi Bank Umum, dan PADG 24 Tahun 2024 tentang Keamanan by Otoritas Jasa Keuangan and PADG 24 of 2024 concerning
Sistem Informasi dan Ketahanan Siber bagi Penyelenggara Information System Security and Cyber Resilience for Payment
Sistem Pembayaran dengan hasil yang dilaporkan kepada OJK System Providers issued by Bank Indonesia with the results
dan Bank Indonesia. reported to Financial Services Authority and Bank of Indonesia.
Pengelolaan risiko keamanan siber didelegasikan kepada Unit Cybersecurity risk management is delegated to the Information
Kerja Information Security Risk Management di bawah Direktorat Security Risk Management unit under the Risk Directorate as
Risiko sebagai Lini Pertahanan Kedua, yang bekerja sama the Second Line of Defense, working in coordination with the
dengan Departemen Cyber Security Operations dan Technology Cyber Security Operations Department and Technology Risk
Risk Governance & PMO di bawah Direktorat Technology sebagai Governance & PMO under the Technology Directorate as the
Lini Pertahanan Pertama. Kedua unit secara proaktif melakukan First Line of Defense. Both units proactively identify, monitor,
identifikasi, pemantauan, dan evaluasi risiko keamanan informasi, and evaluate information security risks, and report potential
serta melaporkan potensi maupun insiden kepada Komite Risiko. issues and incidents to the Risk Committee. Cybersecurity risk is
Risiko keamanan siber diintegrasikan dengan risiko lainnya dan integrated with other risks and managed through the enterprise
dikelola melalui kerangka enterprise risk management framework risk management framework, which is cascaded into the risk type
yang diturunkan ke dalam risk type framework, termasuk risiko framework, including information security risk.
keamanan informasi.
86 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 89
TUJUH DOMAIN UTAMA PENGELOLAAN
KEAMANAN INFORMASI PERMATA BANK
Seven Main Domains of Permata Bank’s
Information Security Management
1. Tata Kelola 1. Governance
Pengawasan terhadap seluruh pemangku kepentingan Oversight of all information security stakeholders, including
keamanan informasi, termasuk Direksi dan manajemen, dalam the Board of Directors and management, in developing and
pengembangan dan penerapan program keamanan informasi implementing an effective information security program.
yang efektif. Domain ini didukung oleh kebijakan dan prosedur This domain is supported by comprehensive policies and
yang komprehensif untuk memastikan akuntabilitas dan procedures to ensure accountability and adequate oversight
mekanisme pengawasan yang tepat mechanisms across the organization.
2. Identifikasi 2. Identification
Mencakup penerapan program manajemen risiko, proses Covers the implementation of risk management programs,
penilaian risiko, serta fungsi audit untuk mengelola risiko risk assessment processes, and audit functions to manage
keamanan informasi dan menilai efektivitas pengendalian information security risks and assess the effectiveness of key
utama. controls.
3. Perlindungan 3. Protection
Berfokus pada upaya pencegahan pelanggaran keamanan Focused on preventing information security breaches through
informasi terhadap aset-aset informasi Bank. Bank’s information assets.
4. Deteksi 4. Detection
Meliputi deteksi ancaman dan kerentanan, aktivitas ganjil, dan Includes the detection of threats and vulnerabilities, abnormal
deteksi peristiwa yang memperingatkan adanya kejanggalan activities, and events indicating potential or actual security
dalam jaringan dan sistem yang menunjukkan bahwa suatu incidents across networks and systems.
insiden telah atau mungkin akan terjadi.
5. Respons & Pemulihan 5. Response and Recovery
Mencakup proses penetapan, identifikasi, dan analisis Covers the processes for establishing, identifying, and
peristiwa keamanan, penentuan prioritas penanganan atau analyzing security events, prioritizing response or mitigation
mitigasi, serta pelaporan kepada pemangku kepentingan yang actions, and reporting to relevant stakeholders. This domain
tepat. Meliputi perencanaan dan pengujian untuk memelihara also includes planning and testing to maintain and restore
dan memulihkan operasi yang sedang berlangsung selama operational continuity during and after information security
dan setelah insiden keamanan informasi. incidents.
6. Kesadaran Situasi 6. Situational Awareness
Mencakup proses identifikasi, analisis, dan pemahaman Includes processes to identify, analyze, and understand
ancaman keamanan informasi secara efektif, termasuk information security threats effectively, including information-
mekanisme berbagi informasi baik secara internal maupun sharing mechanisms both internally and with relevant third
dengan pihak ketiga yang tepat. parties.
7. Manajemen Risiko Pihak Ketiga 7. Third-Party Risk Management
Melibatkan pengembangan dan pemeliharaan program Includes developing and maintaining a comprehensive
komprehensif untuk mengawasi dan mengelola koneksi program to oversee and manage relationships with third
eksternal dan hubungan pihak ketiga dengan akses ke aset parties that have access to the Bank’s technology and
teknologi dan informasi. information assets.
SECURITY AWARENESS SECURITY AWARENESS
Permata Bank meningkatkan kesadaran karyawan terhadap Permata Bank enhances employee awareness of cyber security
keamanan siber melalui penerapan kebijakan, komunikasi through the implementation of policies regular communications
berkala, serta kegiatan sharing dan seminar keamanan informasi. and information security sharing sessions and seminars. These
Upaya ini diperkuat melalui kerja sama dengan Unit HR dalam efforts are strengthened through collaboration with the HR
penyampaian security awareness melalui surat elektronik, Unit in delivering security awareness via email e-learning and
e-learning, dan pelatihan daring. Bank juga melakukan sosialisasi online training. The Bank also conducts periodic information
keamanan informasi secara berkala dan menyampaikan hasilnya security awareness programs and reports the results to the Risk
kepada Komite Risiko. Committee.
2025 Sustainability Report PT Bank Permata Tbk. 87
Page 90
Sehat
dan Sejahtera
Health and
Well-being
PENINGKATAN SECURITY AWARENESS DAN ENHANCING SECURITY AWARENESS AND
KAPASITAS SDM TERKAIT KEAMANAN SIBER EMPLOYEE CAPACITY IN CYBERSECURITY
Permata Bank memastikan seluruh PermataBankers, termasuk Permata Bank ensures that all PermataBankers, including the
Direksi dan Dewan Komisaris, memiliki pemahaman yang Board of Directors and the Board of Commissioners, have an
memadai mengenai keamanan siber. Untuk mendukung hal adequate understanding of cybersecurity. To support this, the Bank
tersebut, Bank menyediakan publikasi materi serta pelatihan provides publications and information security awareness training
information security awareness yang diwajibkan bagi seluruh that is mandatory for all employees through Permata Bank’s
karyawan melalui portal e-learning Permata Bank. Unit Kerja e-learning portal. The Information Security Risk Management unit
Information Security Risk Management ditetapkan sebagai pihak is designated as the party responsible for designing, implementing,
yang bertanggung jawab dalam perumusan, pelaksanaan, dan and monitoring the security awareness enhancement program.
pemantauan program peningkatan security awareness. Adapun Security awareness programs implemented include:
program security awareness yang dilaksanakan antara lain:
• Publikasi materi security awareness melalui surat elektronik, • Publishing security awareness materials via email, digital
digital signage, dan desktop wallpaper. signage, and desktop wallpapers.
• Modul e-learning security awareness dan modul khusus • Security awareness e-learning modules and specialized
phishing awareness. phishing awareness modules.
• Phishing simulation yang dilakukan secara berkala. • Periodic phishing simulations.
Di samping program security awareness, Permata Bank juga In addition to security awareness programs, Permata Bank also
memfasilitasi karyawan pada unit kerja terkait keamanan siber facilitates employees in cybersecurity-related units to participate
untuk mengikuti pelatihan dan sertifikasi yang mendukung in training and certifications that support their roles. Training
pelaksanaan tugasnya. Program pelatihan yang diberikan antara programs include:
lain:
• Pelatihan softskill atau hardskill sesuai ILDP secara berkala. • Periodic soft-skill and hard-skill training in line with the ILDP.
• Pelatihan dan sertifikasi sesuai kebutuhan di masing-masing • Training and certifications aligned with the needs of each
unit kerja, seperti CISA, CISM, CRISC, CISSP, ISO 27001, CEH, work unit such as CISA, CISM, CRISC, CISSP, ISO 27001, CEH,
Cloud Security, Artificial Intelligence, dan Digital Forensik. Cloud Security, Artificial Intelligence, and Digital Forensics.
AUDIT KEAMANAN INFORMASI INFORMATION SECURITY AUDIT
Dalam kerangka Three Lines of Defense, Satuan Kerja Audit Within the Three Lines of Defense framework, the Internal Audit
Internal (SKAI) berperan sebagai Lini Pertahanan Ketiga Unit serves as the Third Line of Defense, providing independent
yang memberikan assurance independen atas efektivitas assurance on the effectiveness of the Bank’s internal controls,
pengendalian internal Bank, termasuk risiko siber. SKAI menilai including cybersecurity risk. Internal Audit Unit assesses
kepatuhan manajemen dalam mengidentifikasi, menilai, dan management’s compliance in identifying, assessing, and
mengelola risiko, serta mengevaluasi kecukupan desain kontrol managing risks, and evaluates the adequacy of control design
berdasarkan Ketentuan Internal dan Ketentuan Regulator yang based on Internal Audit requirements. Audits of IT implementation
berlaku. Audit atas keamanan informasi dilakukan atas aspek are also conducted as part of the cybersecurity risk assessment.
pengelolaan infrastruktur TI, keamanan data, dan risiko siber. The Internal Audit Unit Annual Work Plan is determined with the
Rencana Kerja Tahunan SKAI ditetapkan dengan persetujuan approval of the President Director, Audit Committee, and Board of
dari Direktur Utama, Komite Audit, dan Dewan Komisaris, dengan Commissioners with priorities based on the risks of each process
prioritas berdasarkan risiko dari masing-masing proses dan audit and mandatory audits regulated by the Regulator.
wajib yang diatur oleh Regulator.
Keamanan Data Pribadi Nasabah [FN-CB-230a.1][FN-CB-230a.2][203-1]
Customer Personal Data Security
Transformasi digital di sektor perbankan membawa peluang Digital transformation in the banking sector presents both
sekaligus tantangan baru, khususnya meningkatnya risiko opportunities and new challenges, particularly the increasing risk
keamanan data pribadi. Permata Bank memahami bahwa risiko to data and information security. Permata Bank recognizes that
ini dapat berdampak pada reputasi dan tingkat kepercayaan these risks may affect reputation and customer trust and may
nasabah, serta berpotensi menimbulkan kerugian finansial dan also result in financial losses and potential litigation. As threats
88 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 91
potensi gugatan hukum. Seiring dengan semakin beragamnya continue to evolve, including phishing, the Bank strengthens
ancaman, termasuk phishing, Bank memperkuat pengamanan protection through a layered security approach that covers
melalui penerapan kepatuhan dan regulasi, serta keamanan technology controls, operational processes, and enhanced human
berlapis yang mencakup pengendalian teknologi, proses capital awareness.
operasional, dan peningkatan kesadaran sumber daya manusia.
Sebagai bentuk kepatuhan terhadap UU Pelindungan Data Pribadi As part of compliance with Indonesia’s Personal Data Protection
(UU PDP), Permata Bank memberlakukan Kebijakan Perlindungan Law, Permata Bank implements a Data Protection Policy. The Bank
Data. Bank juga menyediakan Pemberitahuan Privasi yang dapat also provides a Privacy Notice that is accessible to the public and
diakses oleh publik dan nasabah melalui situs web dan aplikasi customers through the website and the Permata ME application.
Permata ME. Upaya ini diperkuat dengan strategi keamanan siber These efforts are reinforced through a cybersecurity strategy that
yang mencakup modernisasi infrastruktur teknologi, peningkatan includes modernization of technology infrastructure, improved
ketahanan sistem, pengelolaan akses, pemantauan layanan, system resilience, access management, service monitoring, and
serta penguatan kontrol keamanan. strengthened security controls.
Permata Bank telah menerapkan Prosedur Pemerolehan Permata Bank implements an Explicit Consent Acquisition
Persetujuan Eksplisit dari Subjek Data Pribadi yang mengatur Procedure for Personal Data Subjects, governing the collection
pengumpulan dan pemrosesan data pribadi, termasuk and processing of personal data, including fulfillment of customers’
pemenuhan hak nasabah untuk mengakses, memperbaiki, rights to access, correct, update, and request deletion of their
memperbarui, serta meminta penghapusan data. Penerapan data. This procedure is supported by security technologies as well
prosedur ini didukung oleh penggunaan teknologi keamanan as effective playbooks and processes to accelerate identification
serta playbook dan proses yang efektif untuk mempercepat and response to potential data security threats.
identifikasi dan respons terhadap potensi ancaman keamanan
data.
Dalam rangka meningkatkan perlindungan data, Bank terus To enhance data protection, the Bank continues to strengthen
memperkuat kapabilitas teknologi pada layanan mobile banking, technology capabilities across its mobile banking, internet
internet banking, Permata e-Business, situs web Permata Bank, banking, Permata e-Business, Permata Bank website, and API
dan API sesuai Cyber Security Roadmap. Pengembangan services in line with its Cyber Security Roadmap. The development
teknologi deteksi juga menjadi prioritas guna meningkatkan of detection technologies is also prioritized to improve visibility
visibilitas dan kemampuan proteksi terhadap serangan siber. and protection capabilities against cyberattacks.
Permata Bank mewajibkan seluruh karyawan untuk menjaga Permata Bank requires all employees to maintain the
kerahasiaan data dan informasi, baik data internal Bank maupun confidentiality of data and information, including internal Bank
data pribadi nasabah, sebagaimana diatur dalam Kode Etik data and customers’ personal data, as set out in the Employee
Perilaku Karyawan. Setiap pelanggaran terhadap ketentuan Code of Conduct. Any violations of these data confidentiality
kerahasiaan data tersebut akan ditangani oleh Direktorat Hukum provisions are handled by the Legal and Compliance Directorate.
dan Kepatuhan. Sepanjang tahun 2025, tidak tercatat adanya Throughout 2025, there was no record of any cases concerning
kasus pelanggaran privasi nasabah, kebocoran data, maupun customer privacy breaches, data leakage, or legal violations
pelanggaran hukum atau surat perintah dari otoritas berwenang or orders from authorized authorities related to personal data
terkait perlindungan data pribadi. [418-1] protection. [418-1]
PELATIHAN DAN AWARENESS KEAMANAN DATA DATA SECURITY TRAINING AND AWARENESS
Permata Bank menyelenggarakan pelatihan dan edukasi bagi Permata Bank conducts training and education programs for
karyawan guna meningkatkan kapabilitas dalam menjaga employees to enhance their capabilities in safeguarding the
kerahasiaan data nasabah. Sepanjang tahun 2025, Bank confidentiality of customer data. Throughout 2025, the Bank
menyelenggarakan 10 sesi pelatihan terkait keamanan informasi held 10 training sessions related to information security and 34
dan 34 sesi pelatihan Perlindungan Data Pribadi dengan lebih training sessions on Personal Data Protection with more than
dari 3.700 karyawan terundang untuk menghadiri sesi pelatihan 3,700 employees invited to attend these training sessions from all
ini dari seluruh Direktorat. Selain itu, Bank melakukan publikasi Directorates. In addition, the Bank publishes a Privacy Notice for
Pemberitahuan Privasi kepada nasabah yang menjelaskan customers that explains personal data protection arrangements
pengaturan pelindungan data pribadi dalam penggunaan produk in the use of banking products and services. The Privacy Notice is
dan layanan perbankan. Pemberitahuan Privasi disampaikan communicated through the Company’s website, the Permata ME
melalui situs web perusahaan, aplikasi Permata ME, serta application, and direct notifications to customers, either through
pemberitahuan langsung kepada nasabah, baik melalui surat physical letters or email.
fisik maupun surat elektronik.
2025 Sustainability Report PT Bank Permata Tbk. 89
Page 92
Sehat
dan Sejahtera
Health and
Well-being
Komunikasi dan Kepuasan Nasabah
Customer Communication and Satisfaction
PENANGANAN KELUHAN NASABAH CUSTOMER COMPLAINT HANDLING
[F.24][2-25][2-26] [F.24][2-25][2-26]
Sebagai bagian dari komitmen untuk memberikan layanan terbaik Permata Bank provides an integrated customer service and
bagi nasabah, Permata Bank memiliki Divisi Service Excellence complaint handling mechanism to ensure optimal fulfillment
& Customer Care Management yang terdiri dari Contact Center of customer rights. Requests for information, service requests,
(Permata Tel) yang melayani kebutuhan informasi, permintaan, and complaints from customers and non-customers are
dan keluhan nasabah dan non-nasabah melalui telepon, surel, handled through the Contact Center (Permata Tel) via multiple
dan media sosial; Customer Care Center (CCC) yang fokus pada communication channels, including telephone, email, and
penyelesaian kebutuhan dan keluhan nasabah dan non-nasabah social media. Meanwhile, satisfaction surveys and complaint
secara cepat dan tepat; Client Services Group (CSG) yang resolution are managed by the Customer Care Center (CCC) to
melayani kebutuhan, informasi, permintaan, dan keluhan dari ensure issues are addressed promptly and appropriately. Client
nasabah non-individu (nasabah korporat dan komersil); dan CX Services Group (CSG) which serves the needs, information,
Office yang fokus pada pengalaman nasabah secara menyeluruh requests, and complaints of non-individual customers (corporate
saat bertransaksi dengan Permata Bank, yang mana meliputi and commercial customers); and CX Office which focuses on
eksekusi dan pengawasan akan survei kepuasan pelanggan dan the overall customer experience when transacting with Permata
tindak lanjut dari hasil survei yang diterima, baik yang diadakan Bank, which includes the execution and supervision of customer
oleh internal Permata Bank maupun eksternal. satisfaction surveys and follow-up of the survey results received,
both conducted internally by Permata Bank and externally.
Permata Bank juga berpartisipasi dalam program OJK melalui To strengthen the national complaint system, Permata Bank
pemanfaatan kanal pelaporan transaksi terindikasi penipuan participates in Financial Services Authority programs by using the
pada situs Inter-Agency Standing Committee (IASC) sehingga reporting channel for transactions suspected of fraud on the Inter-
laporan nasabah dapat ditindaklanjuti secara lebih efektif. Agency Standing Committee (IASC) website, enabling customer
reports to be followed up more effectively.
Pada tahun 2025, untuk mewujudkan komitmen Permata In 2025, to realize Permata Bank’s commitment to providing a
Bank untuk memberikan pengalaman bertransaksi yang pleasant transaction experience, Permata Bank will use the net
menyenangkan, Permata Bank menggunakan metode promoter score (NPS) measurement method, which focuses on the
pengukuran net promoter score (NPS), yang berfokus akan rasio ratio of the number of customers who would recommend Permata
dari jumlah nasabah yang akan merekomendasikan Permata Bank to others (with a score of 9 and 10) to the number of customers
Bank pada orang lain (dengan skor 9 dan 10) dan jumlah who would not (with a score of 0-6). This NPS calculation is carried
nasabah yang tidak akan merekomendasikan (dengan skor 0 out in a massive, structured, and planned manner at all customer
- 6). Perhitungan NPS ini dilakukan secara masif, tersetruktur, interaction points, from Permata Tel, Permata ME, PermataNet, to
dan terencana pada semua titik interaksi nasabah, mulai dari offline services at Permata Bank branches and RMs.
Permata Tel, Permata ME, PermataNet, hingga layanan offline
pada cabang dan RM Permata Bank.
Selain metode pengukuran, manajemen Permata Bank juga In addition to this measurement method, Permata Bank
menunjukkan komitmen secara nyata dengan pencanangan management also demonstrated its commitment by establishing
Customer Advocacy Committee (CAC) Komite ini dibangun a Customer Advocacy Committee (CAC). This committee was
dengan 2 tujuan utama, yaitu: established with 2 main objectives:
1. Membangun transparansi proses dan hasil dari setiap 1. To build transparency in the processes and results of all
pemangku kepentingan yang terlibat, dalam rangka menjadi stakeholders involved, in order to become a leader in NPS in
pemimpin dari NPS pada industri perbankan di Indonesia. the Indonesian banking industry.
2. Menjadi sebuah wadah kolaborasi dari seluruh pemangku 2. To serve as a collaborative platform for all Permata Bank
kepentingan dalam Permata Bank untuk melakukan stakeholders to assess, improve, and enhance various
penilaian, perbaikan, dan peningkatan berbagai macam banking services and products, starting from customer
layanan dan produk perbankan yang bermula dari suara feedback.
nasabah.
90 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 93
Alur Pengaduan Nasabah Permata Bank
Permata Bank Customer Complaint Flow
*)
Maks. 20 hari kerja
Max. 20 working days
Telepon ke | by phone to
PermataTel
Lisan 1500-111 Petugas
Oral Officer
5 hari kerja untuk pengaduan lisan,
10 hari kerja untuk pengaduan secara Nasabah atau
Perwakilannya
tertulis sejak dokumen pendukung
Customer or the
diterima dengan lengkap, kemudian Representative
dapat diperpanjang 10 hari kerja
berikutnya.
Nasabah atau 5 working days for oral complaints, 10
Perwakilannya working days for written complaints from
Customer or the Menerima Nomor
the time the supporting documents are Registrasi Pengaduan Penerimaan
Representative received in full, then can be extended for CHS 0000xxxxx Pengaduan
another 10 working days. Receipt of Complaint Receipt of
Registration Number Complaint
CHS 0000xxxxx
Datang ke Jaringan Kantor
Cabang Permata Bank Terdekat Surat Hasil
Tertulis Visit the nearest Permata Bank Penyelesaian
Written Branch Office Pengaduan Penyampaian
Result Letter of Hasil Penyelesaian
Complaint Resolution Pengaduan
Notification of
Complaint Resolution
Via Situs Web | Website Surat Perpanjangan
Jangka Waktu
www.permatabank.com Penyelesaian (SPJP) 10 hari kerja dan bisa
Complaint Resolution diperpanjang hingga 10 hari kerja
Extension Letter 10 working days and can be
extended to more 10 working days
Menyampaikan Hasil
Via Surat Elektronik | E-mail
Penyelesaian Pengaduan
care@permatabank.co.id Surat Hasil (Bertemu dengan Nasabah,
Penyelesaian Telepon, Surat/E-mail, SMS)
Pengaduan Notification of Complaint
Letter of Complaint Resolution (Face-to-face
Resolution Meeting with Customers,
Phone, Mail/E-mail, SMS)
Via X (Twitter)
Fasilitas/Mediasi
@permatacare
Perbankan (Terbatas)
oleh Regulator
Facility/Banking
Mediation (Limited)
by Regulator
Via Instagram
@permatabank
External
Bank Dispute
Resolution
Tidak
Sepakat
Via Facebook Not Agree
Nasabah
PermataBank
Customer
Sepakat
Agree
Surat Resmi ke Manajemen
Official Letter to the Management
Selesai
Finish
2025 Sustainability Report PT Bank Permata Tbk. 91
Page 94
Sehat
dan Sejahtera
Health and
Well-being
Sepanjang tahun 2025, Permata Bank menerima sebanyak Throughout 2025, Permata Bank received a total of 30,201
30.201 keluhan nasabah, dan 98% di antaranya telah diselesaikan. customer complaints, of which 98% had been resolved. The
Adapun sisanya masih dalam proses penanganan hingga akhir remaining cases were still in process as of the end of 2025.
tahun 2025. Keluhan nasabah umumnya terkait dengan layanan Customer complaints were generally related to e-banking services
e-banking, aplikasi mobile dan kendala transaksi. Pada periode mobile applications and transaction issues. During the same
yang sama, Bank tidak menerima pengaduan dari masyarakat period the Bank did not receive any public complaints related to
yang berkaitan dengan isu lingkungan maupun sosial. [F.16] environmental or social issues. [F.16]
Jumlah Keluhan Nasabah Tahun 2025
Customer Complaints in 2025
Selesai Dalam Proses
Resolved in Process
Jenis Transaksi Keuangan Jumlah Pengaduan
No.
Type of Financial Transcation Total Complaints
Jumlah Jumlah
% %
Total Total
1. Electronic Banking (Permata ME) 18.990 100 7 1 18.897
2. Kredit/Pembiayaan Konsumsi | Loans/Consumer Financing 177 99 1 1 178
3. Tabungan | Savings Accounts 14 100 0 0 14
4. Kartu Kredit | Credit Cards 3.320 90 375 10 3.695
5. Layanan Cabang | Branch Services - - - - -
6. Virtual Account - - - - -
7. Kartu ATM/ Kartu Debit | ATMs/Debit Cards 7.075 98 121 2 7.196
8. Kredit/Pembiayaan Modal Kerja 4 100 0 0 4
Loans/Working Capital Financing
9. Kliring | Clearing 176 100 0 176
10. Bancassurance 16 100 0 0 16
11. Produk Lainnya | Others 25 100 0 0 25
Jumlah | Total 29.697 98 504 2 30.201
SURVEI KEPUASAN PELANGGAN [F.30] CUSTOMER SATISFACTION SURVEY [F.30]
Permata Bank melakukan pengukuran kepuasan nasabah Permata Bank measures customer satisfaction through surveys
melalui survei yang dilaksanakan oleh pihak ketiga dengan conducted by a third party using the net promoter score (NPS)
menggunakan metode net promoter score (NPS) sebagai method as an indicator of customer satisfaction with the Bank’s
indikator tingkat kepuasan terhadap produk dan layanan Bank. products and services.
Survei Kepuasan Pelanggan (Skala -100 sampai 100)
Customer Satisfaction Survey (Scale of -100 to 100)
38 38 36
2025 2024 2023
92 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 95
Pemberdayaan Masyarakat
untuk Berdikari [F.23][F.25][413-1]
Community Empowerment for Self-Reliance
Permata Bank berkomitmen untuk berkontribusi bagi bumi dan Permata Bank is committed to contributing to the earth and
masyarakat Indonesia, melalui pelaksanaan program-program Indonesian society through the implementation of Social and
Tanggung Jawab Sosial dan Lingkungan yang diharapkan dapat Environmental Responsibility programs that are expected to have
memberikan dampak positif lebih luas kepada masyarakat, a broader positive impact on the community, customers, and
nasabah dan komunitas dalam mendukung terciptanya ekonomi communities in supporting the creation of a sustainable economy
yang berkelanjutan di masyarakat. in society.
Seluruh pelaksanaan program Tanggung Jawab Sosial dan All implementation of the Social and Environmental Responsibility
Lingkungan (TJSL) tersebut dikelola melalui Unit Corporate Social program is managed through the Corporate Social &
& Environmental Responsibility (CSER) “Permata Hati” di bawah Environmental Responsibility (CSER) Unit “Permata Hati” under
Direktorat Corporate Affairs and Sustainability, Divisi Corporate the Directorate of Corporate Affairs and Sustainability, Corporate
Communication. Program-program Permata Hati dikembangkan Communication Division. Permata Hati programs are developed
berdasarkan tiga pilar utama, yaitu: based on three main pillars, namely:
1. Pendidikan (Education) 1. Education
2. Pemberdayaan (Empowerment) 2. Empowerment
3. Peningkatan Fasilitas dan Inklusi (Enhancement) 3. Facilities Enhancement and Inclusion
Unit CSER menjalin kolaborasi dengan mitra strategis dan The CSER Unit collaborates with strategic partners and various
berbagai pemangku kepentingan untuk memperkuat strategi dan stakeholders to strengthen program strategy and implementation
pelaksanaan program agar memberikan dampak yang lebih luas in order to deliver broader impacts for the community. These
bagi masyarakat. Kolaborasi tersebut diarahkan untuk: collaborations are aimed at:
• Meningkatkan kesadaran dan mendorong inisiatif kegiatan • Increasing awareness and encouraging initiatives aligned
yang selaras dengan prinsip lingkungan, sosial, dan tata with ESG principles.
kelola (LST).
• Menegaskan komitmen terhadap pelestarian lingkungan • Reinforcing the Bank’s commitment to environmental
guna mendukung terciptanya bumi yang sehat dan conservation to support a healthier planet and improved
peningkatan kesejahteraan manusia. human well-being.
• Mendorong literasi keuangan berkelanjutan melalui • Promoting sustainable financial literacy through public
edukasi kepada masyarakat dan penguatan sinergi dengan education and stronger collaboration with communities to
komunitas demi membangun generasi masa depan yang build a more sustainable future generation.
berkelanjutan.
Tanggung Jawab Sosial
Social Responsibility
BANKING FOR STUDENTS BANKING FOR STUDENTS
Permata Bank menjalankan Program Banking for Students Permata Bank implements the Banking for Students Program as
sebagai upaya edukasi keuangan bagi pelajar, dengan fokus part of its financial education initiatives for students, focusing
pada peningkatan pemahaman mengenai pengelolaan on fostering responsible and sustainable financial management
keuangan yang bertanggung jawab dan berkelanjutan sejak dini. awareness from an early age.
1. Permata Bankir Cilik 1. Permata Bankir Cilik
Pada tahun ke-11 pelaksanaannya kali ini, program Permata Now in its 11th year, Permata Bankir Cilik continues to serve
Bankir Cilik terus menjadi salah satu inisiatif literasi keuangan as one of the Bank’s key financial literacy initiatives aimed at
Permata Bank yang bertujuan menumbuhkan budaya cultivating a saving culture from an early age while enhancing
menabung sejak dini sekaligus meningkatkan kepedulian environmental awareness at the elementary school level.
2025 Sustainability Report PT Bank Permata Tbk. 93
Page 96
Sehat
dan Sejahtera
Health and
Well-being
terhadap lingkungan di tingkat Sekolah Dasar. Program ini The program nurtures “Saving Ambassadors,” selected from
melahirkan para “Duta Menabung” yang dipilih dari siswa 4th and 5th grade students in selected schools, to become
kelas 4 dan 5 di sekolah terpilih untuk menjadi generasi financially smart, courageous, creative, environmentally
cerdas finansial yang berani, kreatif, dan berjiwa pemimpin, conscious, and strong future leaders.
serta menyayangi lingkungan.
Permata Bankir Cilik tahun 2025, turut beradaptasi dengan In 2025, Permata Bankir Cilik adopted a mindful, meaningful,
menerapkan konsep belajar mindful, meaningful, joyful and joyful learning approach to strengthen 6 foundational
kepada siswa dalam mengasah 6 literasi dasar (baca literacies: reading and writing, numeracy, financial, digital,
tulis, numerasi, keuangan, digital, sains, budaya, dan scientific, cultural, and civic literacy.
kewarganegaraan).
Pembelajaran berbasis proyek (project-based learning) lintas Project based learning across subjects remained a core
bidang studi juga masih menjadi bagian program tahun ini. component of the program. Character development was
Di sisi lain, program Permata Bankir Cilik tetap konsisten also consistently emphasized, instilling values of courage,
memasukkan pembangunan karakter dan penanaman creativity, and leadership. Participants were introduced
nilai-nilai keberanian, kreativitas, serta jiwa kepemimpinan to simple financial management habits through financial
bagi para siswa. Dalam pelaksanaannya, peserta dibekali journaling using the 3 in concept: Save in, Spend in, and
kebiasaan pengelolaan keuangan sederhana melalui Share in, while practicing consistent saving habits in daily
penulisan jurnal keuangan dengan konsep 3-in (Tabung-in, life. The program also introduced students to the banking
Jajan-in, dan Bagi-in), serta pembelajaran menabung secara world through a virtual tour of Bank Indonesia Museum and
konsisten dalam kehidupan sehari-hari. Program ini juga visits to Permata Bank branch offices, enabling participants
memperkenalkan dunia perbankan melalui tur virtual ke to understand banking functions and activities, including the
Museum Bank Indonesia dan kunjungan ke kantor cabang roles of ATMs, Customer Service officers, and Tellers.
Permata Bank sehingga peserta memperoleh pemahaman
mengenai fungsi dan aktivitas perbankan, termasuk peran
mesin ATM, Customer Service, dan Teller.
Program ini diselenggarakan bersama PiBo, platform literasi The program was conducted in collaboration with PiBo, a
anak dan pelopor perpustakaan digital anak Indonesia, children’s literacy platform and pioneer of Indonesia’s digital
dengan kurikulum yang dirancang secara komprehensif dan children’s library, featuring a comprehensive and interactive
interaktif. Kurikulum tersebut mencakup penguatan literasi curriculum covering financial literacy, reading literacy, digital
keuangan, literasi baca tulis, literasi digital, keterampilan literacy, communication skills, and environmental awareness.
komunikasi, serta wawasan lingkungan.
Setiap tahun, Permata Bankir Cilik memasukkan materi Each year, the program incorporates a specific enrichment
pengayaan dari sebuah topik spesifik untuk membangun theme to raise awareness of current societal issues. In 2025,
kepedulian siswa terhadap isu-isu yang hangat dalam the theme Waste Management” enriched the curriculum
lingkungan masyarakat. Tahun ini, tema Pengelolaan through educational classes and practical activities,
Sampah, turut memperkaya materi Permata Bankir Cilik encouraging students to actively adopt green lifestyles and
2025 melalui kelas edukasi dan praktik. Harapannya, para protect the Earth from an early age.
siswa dapat tanggap dan aktif menjalankan hidup hijau dan
menjaga kelestarian Bumi sejak dini.
Pada tahun 2025, program Permata Bankir Cilik diikuti oleh In 2025, Permata Bankir Cilik was attended by 180 students
180 siswa dari 16 Sekolah Dasar Negeri dan 2 Sekolah Dasar from 16 public elementary schools and 2 special needs
Luar Biasa di Provinsi Banten, Jawa Barat, Jawa Tengah, elementary schools across Banten, West Java, Central Java,
94 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 97
DI Yogyakarta, dan Jawa Timur yang diselenggarakan secara DI Yogyakarta, and East Java Provinces, conducted online.
daring. Setiap sekolah mengirimkan rata-rata 10 siswa kelas Each school sent approximately 10 students from grades
4 dan 5 beserta 1 guru pendamping. Seluruh peserta, baik 4 and 5 along with 1 accompanying teacher. All participants
siswa maupun guru, memperoleh Starter Kit yang terdiri received a Starter Kit consisting of worksheets, information
dari lembar kerja, panduan informasi, seragam, serta akses guides, uniforms, and digital library subscription access to
berlangganan perpustakaan digital PiBo selama program PiBo during the program period.
berlangsung.
2. Pemberdayaan Tenaga Pengajar 2. Teacher Empowerment
Pada tahun 2025, Permata Hati berperan aktif dalam In 2025, Permata Hati actively supported teacher
mendukung pengembangan kompetensi guru agar dapat competency development to enhance effective student
memberikan edukasi yang lebih efektif kepada murid. education through two initiatives:
Dukungan ini diwujudkan melalui pelaksanaan dua kegiatan
sebagai berikut:
a) Pra-program Permata Bankir Cilik a) Pre Program for Permata Bankir Cilik
Guru diposisikan sebagai penggerak utama Teachers were positioned as the primary drivers of
peningkatan literasi keuangan di sekolah. Oleh karena financial literacy improvement in schools. Prior to the
itu, sebelum program Permata Bankir Cilik dilaksanakan, implementation of Permata Bankir Cilik, Permata Bank
Permata Bank terlebih dahulu memberikan pelatihan provided specialized training to enable teachers to
khusus bagi guru agar mampu mengintegrasikan integrate financial literacy into formal learning processes
literasi keuangan ke dalam proses pembelajaran formal in innovative, creative, effective, and engaging ways. In
secara inovatif, kreatif yang efektif, dan menyenangkan. 2025, 18 teachers participated in this online training.
Pada tahun 2025, pelatihan daring ini diikuti oleh 18
orang guru.
b) Program Guru Permata Finansial b) Guru Permata Finansial Program
Dalam rangka mendorong pengembangan metode In order to encourage the development of innovative
pembelajaran literasi anak yang inovatif, Permata Hati child literacy learning methods, Permata Hati
berkolaborasi dengan PiBo mengadakan rangkaian collaborated with PiBo to conduct a series of practical
program literasi finansial praktis yang relevan di era financial literacy programs relevant to the digital era for
digital bagi para guru di kota Serang, Banten dan teachers in the cities of Serang, Banten and Sukabumi,
Sukabumi, Jawa Barat. Program ini diadakan untuk West Java. This program was held to improve their
meningkatkan keterampilan pengelolaan finansial personal financial management skills and to become
pribadinya dan menjadi teladan bagi siswa mereka, role models for their students, while also supporting
sekaligus untuk mendukung inisiatif Gerakan Nasional the National Financial Literacy Movement initiated by
Cerdas Keuangan (GENCARKAN) dari Otoritas Jasa Otoritas Jasa Keuangan.
Keuangan (OJK).
Program ini berjalan secara intensif selama 3 bulan, berisi This program ran intensively for 3 months, providing training
pembekalan terkait perencanaan keuangan peribadi, related to personal financial planning and the application of
serta penerapan pembelajaran konsep-konsep keuangan simple financial concepts that can be delivered to students
sederhana yang bisa disampaikan kepada siswa melalui through storybooks and digital media innovations.
buku cerita dan inovasi media digital.
Guru Permata Finansial diikuti oleh 24 guru Sekolah Dasar Guru Permata Finansial was attended by 24 Elementary
(SD), yang ditargetkan dapat meneruskan ilmu keuangan School teachers, who are expected to pass on simple
sederhana melalui cerita dan media digital kepada 600 financial knowledge through storytelling and digital media to
siswa kelas 3 – 4 SD di sekolah mereka masing-masing. 600 grade 3 – 4 students in their respective schools.
3. Program Employee Volunteer (EVO) 3. Employee Volunteer Program
Permata Bank membuka ruang partisipasi bagi Permata Bank opens opportunities for PermataBankers to
PermataBankers untuk terlibat dalam kegiatan sosial dan participate in social and environmental activities through
lingkungan melalui skema Employee Volunteer (EVO). Melalui the Employee Volunteer scheme. Through this scheme,
skema ini, karyawan dapat mengajukan inisiatif program employees can independently propose program initiatives
secara mandiri maupun berkontribusi dalam kegiatan sosial or contribute to social activities integrated into routine outing
yang terintegrasi dalam agenda rutin outing di masing- agendas in each unit, department, division, and directorate.
masing unit, departemen, divisi, dan direktorat.
2025 Sustainability Report PT Bank Permata Tbk. 95
Page 98
Sehat
dan Sejahtera
Health and
Well-being
Dalam pelaksanaannya, para EVO terlibat langsung dalam In its implementation, volunteers are directly involved in
berbagai aktivitas, antara lain edukasi literasi keuangan various activities, including financial literacy education
di sekolah, dukungan perbaikan fasilitas pendidikan, serta in schools, support for improving educational facilities,
kegiatan pelestarian lingkungan. Kegiatan lingkungan and environmental conservation activities. Environmental
tersebut meliputi penanaman pohon di area sekolah, activities include tree planting in school areas, environmental
konservasi lingkungan seperti penghijauan, penanaman conservation such as greening, coral reef planting, sea turtle
terumbu karang, pelepasan anak penyu (tukik), hingga hatchling release, and mass waste collection activities. In
kegiatan pengambilan sampah secara massal. Selain addition, volunteers also act as educators in the BANGGA
itu, EVO juga berperan sebagai tenaga pengajar dalam financial education program for MSME empowerment and
program edukasi keuangan BANGGA untuk pemberdayaan other relevant programs. Throughout 2025, a total of 3,720
UMKM serta berbagai program lain yang relevan. Sepanjang PermataBankers participated as volunteers.
tahun 2025, sebanyak 3.720 PermataBankers berpartisipasi
sebagai EVO.
Partisipasi EVO diapresiasi melalui pemberian Poin Senyum Volunteer participation is appreciated through the awarding
sesuai dengan jenis dan tingkat keterlibatan kegiatan. of Smile Points according to the type and level of involvement
Seluruh Poin Senyum yang terkumpul akan diakumulasikan, in activities. All accumulated Smile Points are converted,
di mana setiap 15 poin dikonversikan menjadi 1 beasiswa where every 15 points are converted into 1 educational
pendidikan bagi satu anak kurang mampu setiap tahunnya. scholarship for one underprivileged child each year.
4. Permata CERITA (Cinta dan Edukasi daRI kiTA) 4. Permata CERITA
Sebagai program unggulan Permata Hati, CERITA dirancang As a flagship program of Permata Hati, CERITA is designed
untuk memperluas literasi keuangan bagi siswa usia to expand financial literacy for school age students, from
sekolah, mulai dari TK hingga SMA, termasuk Sekolah Luar kindergarten to senior high school, including Special Needs
Biasa (SLB). Program ini dilaksanakan secara serentak di Schools. This program is conducted simultaneously across
berbagai kantor cabang Permata Bank di Indonesia dengan various Permata Bank branch offices in Indonesia by
melibatkan ratusan hingga ribuan EVO sebagai penggerak involving hundreds to thousands of volunteers as the main
utama kegiatan. drivers of activities.
Melalui CERITA, Permata Bank mendorong pembentukan Through CERITA, Permata Bank encourages the formation
budaya menabung dan peningkatan kesadaran keuangan of a saving culture and increased financial awareness from
sejak dini dengan memperkenalkan pengetahuan dasar an early age by introducing basic knowledge about money,
mengenai uang, perbankan, serta pentingnya pelestarian banking, and the importance of environmental preservation.
lingkungan. Program ini sekaligus menjadi bentuk dukungan This program also serves as the Bank’s support for the
Bank terhadap Gerakan Nasional Cerdas Keuangan National Financial Literacy Movement initiated by Financial
(GENCARKAN) yang diinisiasi OJK. Services Authority.
96 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 99
Pelaksanaan CERITA dihadiri oleh Direksi dan pejabat The implementation of CERITA was attended by the Board
Permata Bank, serta perwakilan OJK, Bank Indonesia of Directors and officials of Permata Bank, as well as
(BI), Kementrian Pendidikan Dasar dan Menengah representatives from Financial Services Authority, Bank
(Kemendikdasmen), dan pemerintah daerah. Selain edukasi Indonesia, the Ministry of Primary and Secondary Education,
literasi keuangan, Bank turut menyalurkan bantuan prasarana and local governments. In addition to financial literacy
sekolah dan lingkungan, meliputi perbaikan ruang kelas, education, the Bank also distributed assistance for school
sarana olahraga, perpustakaan, alat bantu ajar, penanaman and environmental infrastructure, including classroom
apotek hidup dan pohon, serta penyediaan tempat sampah. improvements, sports facilities, libraries, teaching aids,
Program CERITA diselenggarakan secara serentak di 23 kota planting medicinal plants and trees, and providing waste bins.
pada 10 Oktober 2025, dengan melibatkan lebih dari 500 The CERITA program was held simultaneously in 23 cities on
EVO dan menjangkau 2.485 siswa penerima manfaat. 10 October 2025, involving more than 500 volunteers and
reaching 2,485 beneficiary students.
AKTIVITAS UNIT PENGELOLA ZAKAT DAN DANA UPZDK ACTIVITIES
KEBAJIKAN (UPZDK)
Permata Bank melalui unit usahanya, yaitu Unit Usaha Syariah Through its business unit, the Sharia Business Unit (SBU), Permata
(UUS), bekerja sama dengan berbagai mitra dalam pelaksanaan Bank partners with various organizations to implement social
berbagai program tanggung jawab sosial melalui Unit Pengelola responsibility programs through the Zakat and Benevolent Funds
Zakat dan Dana Kebajikan (UPZDK). Pada tahun 2025, UPZDK Management Unit (UPZDK). In 2025, UPZDK disbursed IDR 17
menyalurkan dana sebesar Rp17 Miliar yang diberikan kepada billion to 32,121 beneficiaries across the asnaf categories of Miskin,
32.121 penerima manfaat yang terbagi dalam asnaf Miskin, Fisabilillah, Gharimin, and Mualaf, as well as 26 institutions/
Fisabilillah, Gharimin, dan Mualaf serta 26 lembaga/yayasan. foundations. UPZDK activities are implemented under 6 program
Adapun pelaksanaan kegiatan UPZDK terbagi ke dalam 6 pilar pillars, as follows:
program, antara lain:
1. Pendidikan 1. Education
UPZDK secara aktif dan berkelanjutan dalam upaya UPZDK actively and continuously expands access to and
memperluas akses dan kualitas pendidikan melalui improves the quality of education through scholarship
pemberian program beasiswa kepada mahasiswa di programs for students at various public and private universities
berbagai perguruan tinggi negeri/swasta yang memiliki facing financial constraints, economic scholarships and the
kendalan dalam finansial, pemberian beasiswa ekonomi provision of inclusive learning spaces for underprivileged
penyediaan ruang belajar yang inklusif kepada anak- children, support for adequate teacher certification, and
anak prasejahtera, pemberian dukungan untuk sertifikasi other programs. These efforts reflect a commitment to
para guru yang memadai dan berbagai program yang helping beneficiaries continue their education, enhance
dilaksanakan sebagai bentuk komitmen untuk membantu competencies, and promote independence and improved
para penerima manfaat dapat melanjutkan pendidikan, human capital quality.
meningkatkan kompetensi, serta mendorong terwujudnya
kemandirian dan peningkatan kulitas sumber daya manusia.
2. Kesehatan 2. Health
UPZDK berkomitmen dalam membantu pemenuhan UPZDK is committed to supporting the fulfillment of basic
hak dasar kesehatan masyarakat melalui akses layanan health rights by providing access to health services for
kesehatan bagi masyarakat kurang mampu melalui kerja underprivileged communities through cooperation with
sama dengan berbagai mitra ataupun rumah sakit. Bantuan various partners and hospitals. Assistance includes free
diberikan melalui pemberian obat-obatan gratis, khitanan medicines, mass circumcision programs, free ambulance
massal, penyediaan ambulance gratis, serta pemberian services, and other health support tailored to beneficiary
bantuan Kesehatan lainnya sesuai dengan kebutuhan needs. Through these health programs, UPZDK aims to
penerima manfaat. Melalui program kesehatan, diharapkan deliver benefits, ease the burden of medical costs, and
dapat memberikan manfaat, meringankan beban biaya support improvements in beneficiaries’ quality of life and
pengobatan, serta mendukung peningkatan kualitas hidup well-being.
dan kesejahteraan penerima manfaat.
2025 Sustainability Report PT Bank Permata Tbk. 97
Page 100
Sehat
dan Sejahtera
Health and
Well-being
3. Pemberdayaan Ekonomi 3. Economic Empowerment
UPZDK melaksanakan berbagai kegiatan pemberdayaan UPZDK carries out various economic empowerment activities
ekonomi untuk meningkatkan kesejahteraan dan kualitas to improve community welfare and quality of life, including:
hidup masyarakat. Kegiatan yang dilaksanakan antara lain:
a. Pemberdayaan Sektor Peternakan a. Livestock Sector Empowerment
UPZDK melalui kerjasama dengan mitra pada sektor UPZDK, in collaboration with planned livestock-sector
peternakan yang terencana sebagai bentuk upaya partners, supports productivity improvement through
dalam meningkatkan produktifitas, melalui dukungan capital support in the form of 236 sheep seedlings,
permodalan 236 bibit domba, sarana kandang dan livestock housing facilities, and production machinery
mesin produksi pengolahan kotoran serta olahan for processing manure and sheep meat products,
daging domba, dengan penguatan kelembagaan, supported by institutional strengthening, capital support,
dukungan permodalan, dan pendampingan pelatihan and adequate training and mentoring.
yang memadai.
b. Pemberdayaan Sektor Pertanian b. Agricultural Sector Empowerment
UPZDK mendukung ketahanan pangan melalui sektor UPZDK supports food security through agricultural
pertanian yang melibatkan para petani prasejahtera programs involving underprivileged farmers in managing
dalam mengelola lahan pertanian yang terintegrasi agricultural land, integrated with improvements in
dengan peningkatan kapasitas, produktifitas, dan farmers’ capacity, productivity, and independence
kemandirian petani melalui penguatan sumber daya, through strengthened resources, knowledge, and
pengetahuan dan akses ekonomi guna meningkatkan economic access to increase agricultural output and
produksi hasil pertanian serta penghasilan para petani. farmer income.
c. Pemberdayaan Disabilitas c. Disability Empowerment
Pemberdayaan disabilitas merupakan program Disability empowerment is an economic independence
peningkatan kemandirian ekonomi bagi penyandang program for persons with disabilities through the
disabilitas melalui pengembangan usaha peternak development of a laying-hen farming business. Support
ayam petelur. Dukungan yang diberikan sarana dan includes production facilities and infrastructure,
prasaran produksi serta pemasaran dan pendampingan marketing support, and mentoring to improve quality of
guna meningkatkan kualitas hidup difabel melalui life through employment opportunities.
penyediaan kesempatan kerja.
d. Ekonomi Wisata d. Tourism Economy
Pemberdayaan melalui ekonomi wisata dengan Empowerment through the tourism economy optimizes
mengoptimalkan potensi wisata lokal sebagai sumber local tourism potential as a community income
pendapatan masyarakat melalui pendampingan pelaku source through business actor mentoring, provision
usaha, penyediaan infrastruktur wisata, pengelolaan of tourism infrastructure, destination management,
destinasi, serta pengembangan produk wisata berbasis and development of tourism products based on local
potensi kearifan lokal. wisdom.
98 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 101
e. Pelatihan Keterampilan Pekerjaan e. Job Skills Training
Memberikan pelatihan dan pendampingan kepada Provides training and mentoring for dhuafa, out-of-
dhuafa, pemuda yang putus sekolah dan yang tidak school youth, and unemployed individuals in the
memiliki pekerjaan di wilayah Jabodetabek agar Jabodetabek area, focusing on air-conditioning
memiliki keterampilan perawatan dan service AC maintenance and servicing skills, complemented by
disertai penguatan keterampilan pemasaran guna marketing skills development to create sustainable
membuka peluang kerja dan memperoleh penghasilan employment opportunities and independent income.
mandiri secara berkelanjutan.
f. Pemberdayaan UMKM f. MSME Empowerment
Pemberdayaan UMKM merupakan pemberian bantuan MSME empowerment includes business capital
modal usaha bagi mahasiswa dhuafa yang memiliki jiwa assistance for dhuafa university students with
wirausaha yang bekerja sama dengan perguruan tinggi entrepreneurial potential, in collaboration with public
negeri/swasta untuk kemandirian finansial mahasiswa, and private universities to support students’ financial
pemberian bantuan modal usaha kepada masyarakat independence, as well as business capital assistance
umum yang kurang mampu untuk memulai usaha for underprivileged community members to start or
maupun yang sudah berjalan dengan pelatihan dan grow businesses, supported by periodic training and
pendampingan secara berkala untuk meningkatkan mentoring to strengthen capacity, competitiveness, and
kapasitas dan daya saing serta kemandirian usaha. business independence.
4. Infrastruktur dan Fasilitas 4. Infrastructure and Facilities
UPZDK melakukan pembangunan dan perbaikan UPZDK carries out infrastructure and facilities development
infrastruktur maupun fasilitas di berbagai daerah, antara and improvement in various areas, including:
lain:
a. Sumur bor dan Mandi Cuci Kakus (MCK) a. Bore Wells and Sanitation Facilities (MCK)
UPZDK membangun 7 fasilitas sumur bor dan mandi UPZDK built 7 bore well and sanitation (MCK) facilities
cuci kakus (MCK) di wilayah yang kesulitan air bersih, in areas facing clean water scarcity to support
sebagai bentuk perhatian UPZDK dalam memberikan beneficiaries’ basic needs.
kebutuhan dasar hidup penerima manfaat.
b. Renovasi dan Pembangunan Masjid b. Mosque Renovation and Construction
Sebagai dukungan UPZDK dalam pembinaan umat As part of UPZDK’s efforts to support community
dan memperkuat peran masjid/mushola sebagai pusat development and strengthen mosques/prayer rooms as
kegiatan ibadah dan pendidikan. centers for worship and education.
c. Fasilitas Tempat Ibadah dan Pendidikan c. Worship and Educational Facilities
UPZDK berperan aktif dalam memberikan bantuan UPZDK actively provides facilities and infrastructure to
fasilitas berupa sarana dan prasarana guna menunjang support worship activities as religious centers, as well as
kegiatan ibadah sebagai pusat keagamaan serta educational facilities to improve learning processes.
fasilitas pendidikan dalam meningkatkan proses
pembelajaran yang lebih baik.
d. Perbaikan dan Pembangunan Jembatan d. Bridge Improvement and Construction
UPZDK perbaikan dan pembangunan 4 Jembatan UPZDK repaired and built 4 Permata Bridges:
Permata, yaitu Jembatan Leuwitepungan, Cisarakan, Leuwitepungan, Cisarakan, Cibaregbeg Bridges in
Cibaregbeg di Kab. Cianjur, Jawa Barat, dan Jembatan Cianjur Regency, West Java, and Bantarkalapa Bridge
Bantarkalapa di Kab. Lebak, Banten. in Lebak Regency, Banten.
2025 Sustainability Report PT Bank Permata Tbk. 99
Page 102
Sehat
dan Sejahtera
Health and
Well-being
Keberadaan 4 Jembatan Permata bertujuan membantu These 4 Permata Bridges aim to improve accessibility
meningkatkan aksesbilitas dan konektivitas antar and connectivity between villages, support community
desa, mendukung mobilitas masyarakat terhadap mobility to education, health facilities and other social
fasilitas pendidikan, kesehatan, sarana sosial lainnya, infrastructure, enhance community safety, and promote
dan meningkatkan keselamatan masyarakat, serta more equitable and sustainable regional development.
mendorong pemerataan pembangunan wilayah yang
berkelanjutan.
5. Sosial Lainnya 5. Other Social Programs
UPZDK memberikan berbagai bantuan sosial untuk UPZDK provides various forms of social assistance, including
membantu penerima manfaat seperti bantuan tunai berupa cash support for orphans, food distribution for iftar and
santunan kepada anak yatim piatu, berbagi makanan buka takjil to surrounding communities, staple food assistance
puasa dan takjil bagi lingkungan sekitar, bantuan sembako for beneficiaries facing difficulty meeting basic needs,
bagi penerima manfaat yang kesulitan dalam pemenuhan allowances/incentives for teachers with limited welfare
kebutuhan dasar, pemberian tunjangan/insentif kepada levels, and the distribution of qurban meat donations to
guru yang belum memperoleh tingkat kesejahteraan, dan beneficiaries and communities around Permata Bank
bantuan pemberian sedekah daging kurban kepada para Syariah.
penerima manfaat dan masyarakat di sekitar lingkungan
Permata Bank Syariah.
6. Kebencanaan dan Kemanusiaan 6. Disaster and Humanitarian Assistance
Melalui kerjasama dengan Mitra Kolaborasi, UPZDK In cooperation with collaborative partners, UPZDK provided
memberikan bantuan tanggap darurat bencana di emergency disaster response assistance in Aceh, North
wilayah Aceh, Sumatera Utara, dan Sumatera Barat yang Sumatra, and West Sumatra, which were affected by flash
terdampak banjir bandang & longsor yang mengakibatkan floods and landslides resulting in loss and damage to homes
masyarakat kehilangan/rusaknya tempat tinggal dan harta and property, shortages of food and drinking water, limited
benda, kekurangan makanan dan minuman, fasilitas air clean water facilities, and other basic needs. Assistance
bersih serta kebutuhan dasar lainnya. UPZDK memberikan included public kitchens, ready-to-eat meals, hygiene kits,
bantuan berupa dapur umum, makanan siap saji, hygiene kit, supplies for mothers and women, cleaning supplies, and the
perlengkapan ibu dan wanita, perlengkapan kebersihan, dan construction of wells to provide clean water, as a form of care
pembangunan sumur untuk mendapatkan air bersih sebagai and support for disaster-affected communities in Sumatra.
bentuk kepedulian dan dukungan kepada masyarakat
Sumatera yang terdampak bencana.
Penyaluran dana Zakat dan dana Kebajikan melalui The distribution of zakat and benevolent funds through
program-program tersebut, diharapkan dapat memberikan these programs is expected to deliver tangible benefits to
manfaat nyata kepada penerima manfaat dan juga sebagai beneficiaries and serve as part of Permata Bank’s social
bentuk syiar dari Permata Bank melalui Unit Usaha Syariah mission through the Sharia Business Unit, which remains
yang terus berkomitmen untuk memberikan pelayanan committed to providing the best banking services to
perbankan terbaik kepada nasabah, termasuk mengemban customers while fulfilling social responsibilities in support of
tugas sosial kepada masyarakat dalam mendukung sustainable growth.
pertumbuhan yang berkelanjutan.
PEMBERDAYAAN USAHA MIKRO, KECIL, DAN MICRO, SMALL, AND MEDIUM ENTERPRISE
MENENGAH (UMKM) [413-1] (MSME) EMPOWERMENT [413-1]
Permata Bank menjalankan pemberdayaan Usaha Mikro, Permata Bank empowers MSMEs for persons with disabilities
Kecil, dan Menengah (UMKM) bagi penyandang disabilitas through the BANGGA program, which focuses on entrepreneurship
melalui program BANGGA, yang berfokus pada pelatihan dan training and mentoring. The program is initiated together with
pendampingan kewirausahaan. Program ini diinisiasi bersama a strategic partner, Precious One, an inclusive craft foundation
mitra strategis Precious One, sebuah yayasan kriya inklusif yang that empowers persons with disabilities, particularly the Deaf
memberdayakan penyandang disabilitas, khususnya Teman Tuli, Community, and has been implemented on an ongoing basis
dan telah dilaksanakan secara berkelanjutan sejak tahun 2021. since 2021. The BANGGA initiative aligns with Permata Bank’s
Inisiatif BANGGA sejalan dengan komitmen diversity, equity, and diversity, equity, and inclusion (DEI) commitment to create equal
inclusion (DEI) Permata Bank dalam menciptakan kesempatan opportunities to contribute, compete, and thrive for all individuals,
yang setara untuk berkarya, bersaing, dan hidup sejahtera bagi especially persons with disabilities.
seluruh individu, khususnya penyandang disabilitas.
100 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 103
Program BANGGA dilaksanakan secara daring selama kurang The BANGGA program is delivered online for approximately two
lebih dua bulan dan membekali peserta dengan berbagai months and equips participants with entrepreneurship materials
materi kewirausahaan yang dapat langsung diterapkan dalam that can be applied directly to business development. Through this
pengembangan usaha. Melalui program ini, peserta dari berbagai program, participants from various regions across Indonesia are
daerah di Indonesia didorong untuk meningkatkan kualitas encouraged to improve the quality of their products and services
produk dan jasa agar mampu bersaing secara berkelanjutan. to remain competitive in a sustainable manner.
Sejak pertama kali dijalankan, program BANGGA Reguler telah Since its launch, the BANGGA Regular program has been delivered
dilaksanakan dalam 10 batch, sementara BANGGA MAJU sebagai in 10 batches, while BANGGA MAJU, as an advanced program, has
program lanjutan telah terlaksana dalam 2 batch. Pada akhir been delivered in 2 batches. At the end of the program, the Bank
program, Bank memberikan dukungan tambahan berupa fasilitas provides additional support in the form of production facilities
produksi kepada peserta terpilih. Hingga akhir 2025, program ini to selected participants. As of the end of 2025, the program has
telah memberdayakan 340 wirausaha disabilitas. empowered 340 entrepreneurs with disabilities.
KELAS VOKASI INKLUSIF INCLUSIVE VOCATIONAL CLASS
Sebagai bagian dari komitmen berkelanjutan untuk meningkatkan As part of its ongoing commitment to improving the quality of
kualitas pendidikan dan kehidupan yang lebih inklusif, Permata education and fostering a more inclusive life, Permata Bank
Bank melalui Permata Hati mengembangkan program pelatihan through Permata Hati developed a digital vocational training
vokasi digital, khususnya untuk keterampilan pemasaran online program, specifically focused on online marketing skills as affiliates
(afiliator) bagi sahabat disabilitas. Program ini dilaksanakan for persons with disabilities. The program was implemented in
bersama Dayalima Rekrutmen, konsultan manajemen dan collaboration with Dayalima Rekrutmen, a management and
pengembangan sumber daya manusia yang berpengalaman human resource development consultancy experienced in
dalam pendampingan talenta disabilitas. Inisiatif tersebut mentoring talent with disabilities. This initiative was designed
dirancang untuk menjawab keterbatasan akses dan peluang to address limited access and employment opportunities in the
kerja di sektor digital dengan membekali peserta keterampilan digital sector by equipping participants with relevant digital skills
digital yang relevan untuk berkarier maupun berwirausaha. for career development or entrepreneurship.
Pelatihan yang dilaksanakan selamat satu minggu di kota The one week training program, held in Surabaya, was attended
Surabaya ini diikuti oleh 20 sahabat disabilitas dari berbagai area by 20 participants with disabilities from various areas across Java
di pulau Jawa, dan dilanjutkan dengan pendampingan selama Island, followed by one month of mentoring for all participants.
satu bulan untuk semua peserta.
Selain itu, Permata Hati juga berkolaborasi dengan Center of In addition, Permata Hati collaborated with Center of Disability
Disability Indonesia (CODI) dalam menyelenggarakan sebuah Indonesia in organizing a vocational training program focused
pelatihan vokasi dengan fokus keterampilan perhotelan di Jakarta, on hospitality skills in Jakarta. The program was attended by 30
diikuti oleh 30 peserta disabilitas dari area Jabodetabek selama participants with disabilities from the Greater Jakarta area for
satu minggu. Lima peserta terpilih kemudian mendapatkan one week. Five selected participants were subsequently given the
kesempatan untuk melakukan praktik kerja selama 6 bulan di opportunity to undertake a 6 month internship program in Jakarta.
Jakarta.
2025 Sustainability Report PT Bank Permata Tbk. 101
Page 104
Sehat
dan Sejahtera
Health and
Well-being
LITERASI KEUANGAN [203-2][FN-CB-240a.4] FINANCIAL LITERACY [203-2][FN-CB-240a.4]
Dalam rangka meningkatkan kemampuan masyarakat dalam In order to enhance the public’s ability to make sound financial
mengambil keputusan keuangan yang tepat serta mendorong decisions and promote responsible financial management
perilaku pengelolaan keuangan yang bertanggung jawab, behavior, Permata Bank actively organizes financial literacy and
Permata Bank secara aktif menyelenggarakan kegiatan edukasi inclusion education activities. These activities are carried out by
literasi dan inklusi keuangan. Kegiatan-kegiatan tersebut various departments and business units, as well as the CSER Unit,
dilaksanakan oleh departemen-departemen/unit-unit bisnis serta in collaboration with partners, other financial services institutions,
Unit CSER dilakukan berkolaborasi bersama mitra, pelaku unit and communities. The implementation of these programs refers to
jasa keuangan (PUJK) lain, dan komunitas. Pelaksanaan program applicable regulations.
ini mengacu pada regulasi yang berlaku.
Pada tahun 2025, Permata Bank telah merealisasikan lebih dari In 2025, Permata Bank carried out more than 300 financial
300 kegiatan edukasi literasi dan inklusi yang dilakukan dalam literacy and inclusion education activities conducted at both
skala nasional maupun lokal area/cabang. Bank juga mensupport national and local branch levels. The Bank also supported the
Gerakan Nasional Cerdas Keuangan (GENCARKAN) yang National Financial Literacy Movement (GENCARKAN), initiated by
diinisiasi oleh OJK, melalui berbagai kegiatan yang dilakukan unit Financial Services Authority, through various programs delivered
– unit bisnis dan kantor – kantor cabang. Permata Bank ditunjuk by business units and branch offices. In addition, Permata Bank
sebagai Campaign Manager oleh OJK untuk mengadakan was appointed by Financial Services Authority as a Campaign
Literasi Keuangan di 6 area dengan tingkat literasi rendah, seperti Manager to conduct financial literacy programs across 6 areas
Kabupaten Serang, Kabupaten Kutai Timur, Kota Serang, Kota with low literacy capability, such as Serang Regency, East Kutai
Sukabumi, Kabupaten Gresik, dan Kota Medan. Regency, Serang, Sukabumi, Gresik Regency, and Medan.
Kegiatan yang dilakukan seperti Permata Bankir Cilik, Permata The activities conducted included Permata Bankir Cilik, Permata
CERITA, Guruku: Permata Finansial di Kota Sukabumi dan Kota CERITA, and “Guruku: Permata Finansial” in Sukabumi and Serang,
Serang, Edukasi Keuangan ke kampus UIN di Kota Serang, kepada financial education sessions at UIN University in Serang, financial
atlit layar di Anyer, serta sosialisasi pembayaran digital kepada education for sailing athletes in Anyer, and digital payment
petani di Sangatta, Kabupaten Kutai Timur. socialization for farmers in Sangatta, East Kutai Regency.
102 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 105
Tanggung Jawab Lingkungan
Environmental Responsibility
PELESTARIAN LINGKUNGAN DAN ENVIRONMENTAL PRESERVATION AND
KEANEKARAGAMAN HAYATI [F.9][F.10] BIODIVERSITY [F.9][F.10]
Permata Bank menjalankan berbagai inisiatif untuk mendukung Permata Bank implements various initiatives to support
pelestarian lingkungan dan keanekaragaman hayati. Sejak tahun environmental conservation and biodiversity. Since 2022, through
2022, melalui Permata Hati, Bank telah mengintegrasikan tema Permata Hati, the Bank has integrated environmental themes into
lingkungan ke dalam sejumlah program unggulan, antara lain: several flagship programs, including: [304-1]
[304-1]
Program Permata Bankir Cilik Permata Bankir Cilik Program
Pada tahun 2025, tema “Pengelolaan Sampah”, turut In 2025, Permata Bankir Cilik 2025 also enriches its theme, “Waste
memperkaya materi Permata Bankir Cilik 2025 melalui kelas Management” through educational and practical classes. This
edukasi dan praktik. Harapannya, para siswa dapat tanggap dan program hopes to nurture student to become environmentally
aktif menjalankan hidup hijau dan menjaga kelestarian Bumi responsive, active in living a green lifestyle, and preserving the
sejak dini. Materi tersebut mencakup pengenalan dan praktik Earth since an early age. The material includes an introduction
pengelolaan lingkungan, seperti bank sampah, daur ulang, serta to and practice of environmental management, such as waste
pengelolaan limbah makanan. Pendekatan ini diharapkan dapat banks, recycling, and food waste management. This approach is
meningkatkan pemahaman siswa atas dampak lingkungan dari expected to increase students’ understanding of the environmental
aktivitas sehari-hari sekaligus mendorong penerapan solusi yang impact of daily activities while encouraging the implementation of
berkelanjutan. sustainable solutions.
Program Employee Volunteer (EVO) Employee Volunteer (EVO) Program
PermataBankers secara aktif dilibatkan dalam berbagai kegiatan PermataBankers are actively involved in various environmental
pelestarian lingkungan melalui program EVO, seperti donasi di conservation activities through the EVO program, such as
sekitar sekolah, penanaman pohon dan terumbu karang, aksi donations in and around school areas, tree and coral reef planting,
bersih lingkungan secara massal, hingga pelepasan tukik (anak large-scale environmental clean-up actions, and the release
penyu) ke lepas pantai. Keterlibatan ini merupakan bagian dari of baby turtles (hatchlings) into the open sea. This involvement
kebijakan yang berlaku sejak tahun 2024, di mana setiap kegiatan forms part of a policy in effect since 2024, under which every
outing diwajibkan untuk mencakup unsur tanggung jawab sosial outing activity is required to incorporate elements of social and
dan lingkungan. environmental responsibility.
Program CERITA CERITA Program
Untuk menanamkan kesadaran mengenai tanggung jawab To instil awareness of human responsibility in protecting the
manusia dalam menjaga lingkungan dan keberlanjutan environment and ensuring ecosystem sustainability, since
ekosistem, sejak tahun 2024 program ini juga menyelipkan 2024 this program has delivered environmental conservation
edukasi lingkungan di dalam aktivitas pengajarannya. Pada education through the story “When Gani the Baby Elephant Gets
tahun 2025 ini, EVO di masing-masing kota diberikan kebebasan Lost”, presented by EVOs. The story tells of a young elephant that
untuk memilih materi ajar yang telah disiapkan, yaitu Story Telling wanders into a residential area after its forest habitat is disrupted
berjudul “Ketika Gani Si Anak Gajah Tersesat” tentang pelestarian by human activities. Through this storytelling approach, children
gajah yang terancam punah yang dilengkapi dengan boneka are encouraged to understand the impact of daily activities on
tangan sebagai alat peraga Kakak EVO, atau permainan papan the environment, as well as the importance of each individual’s
Gajah Tangga raksasa, yang mengajak anak-anak bermain role in preserving the environment and sustaining surrounding
sambal belajar mengenai fakta-fakta terkait isu gajah yang ecosystems.
terancam punah, serta apa yang bisa manusia lakukan untuk
melindungi satwa dan lingkungan.
PROGRAM KONSERVASI GAJAH DI BUKIT ELEPHANT CONSERVATION PROGRAM IN BUKIT
TIGAPULUH, JAMBI [304-3] TIGAPULUH, JAMBI [304-3]
Permata Bank bersama WWF Indonesia (Yayasan yang bergerak Permata Bank, in collaboration with WWF Indonesia (a foundation
di bidang konservasi satwa, lingkungan hidup, dan pelestarian specializing in wildlife conservation, the environment, and
keanekaragaman hayati untuk kesejahteraan generasi masa biodiversity preservation for the well-being of present and future
kini dan masa mendatang) meluncurkan Program #DenganHati generations), launched the #DenganHati for Bukit Tigapuluh
2025 Sustainability Report PT Bank Permata Tbk. 103
Page 106
Sehat
dan Sejahtera
Health and
Well-being
untuk Bukit Tigapuluh sebagai upaya nyata dalam mendukung Program as a concrete effort to support social and environmental
konservasi ekosistem sosial dan lingkungan hidup di kawasan ecosystem conservation in the Bukit Tigapuluh area of Jambi. The
Bukit Tigapuluh, Jambi. Program ini dilaksanakan di Dusun program is implemented in Simerantihan Hamlet, Suo-Suo Village,
Simerantihan, Desa Suo-Suo, Kabupaten Tebo, dan menjadi Tebo Regency, and is part of the Bank’s contribution to achieving
bagian dari kontribusi Bank terhadap pencapaian 7 Tujuan the 7 Sustainable Development Goals (SDGs) and addressing
Pembangunan Berkelanjutan (TPB) serta kepedulian terhadap climate change.
perubahan iklim.
Program ini bertujuan menjaga keberlanjutan ekosistem Bukit This program aims to maintain the sustainability of the Bukit
Tigapuluh melalui konservasi Gajah Sumatra, dengan pendekatan Tigapuluh ecosystem through Sumatran Elephant conservation,
yang menghargai dan melindungi proses alam sebagai fondasi using an approach that respects and protects natural processes
penyelesaian tantangan sosial, lingkungan, dan ekonomi. Inisiatif as a foundation for addressing social, environmental, and
ini juga diharapkan dapat mendukung kelangsungan hidup economic challenges. This initiative is also expected to support
masyarakat adat setempat, yaitu Suku Talang Mamak dan Suku the survival of local indigenous communities, namely the Talang
Anak Dalam, agar dapat hidup berdampingan secara harmonis Mamak and Anak Dalam tribes, so they can live in harmony with
dengan satwa di Bukit Tigapuluh. wildlife in Bukit Tigapuluh.
Sebagai tindak lanjut dari Program #DenganHati untuk Bukit As a follow-up to the #DenganHati for Bukit Tigapuluh Program,
Tigapuluh, Permata Bank meluncurkan inisiatif “Adopt a Tree” yang Permata Bank launched the “Adopt a Tree” initiative, inviting
mengajak nasabah dan masyarakat umum untuk berpartisipasi customers and the general public to participate in efforts to
dalam upaya rehabilitasi lahan gundul melalui donasi pohon rehabilitate deforested land by donating trees in the Bukit
di kawasan Bukit Tigapuluh. Dalam pelaksanaannya, Permata Tigapuluh area. Permata Bank, in collaboration with WWF
Bank bersama WWF Indonesia menyediakan laman web khusus Indonesia, has created a dedicated website for the public to
sebagai sarana bagi masyarakat untuk menyampaikan kontribusi submit tree-planting contributions, with easy payment options
penanaman pohon, yang dilengkapi dengan kemudahan available through its banking app.
pembayaran melalui aplikasi perbankan.
Melalui implementasi Program #DenganHati untuk Bukit Through the implementation of the #DenganHati for Bukit
Tigapuluh dan inisiatif Adopt a Tree, Permata Bank berupaya Tigapuluh Program and the Adopt a Tree initiative, Permata Bank
memberikan kontribusi terhadap pencapaian 7 TPB, yaitu Tujuan strives to contribute to the achievement of the 7 SDGs, namely Goal
1 (Tanpa Kemiskinan), Tujuan 4 (Pendidikan Berkualitas), Tujuan 1 (No Poverty), Goal 4 (Quality Education), Goal 8 (Decent Work
8 (Pekerjaan Layak dan Pertumbuhan Ekonomi), Tujuan 10 and Economic Growth), Goal 10 (Reduced Inequality), Goal 12
(Berkurangnya Kesenjangan), Tujuan 12 (Konsumsi dan Produksi (Responsible Consumption and Production), Goal 13 (Addressing
yang Bertanggung Jawab), Tujuan 13 (Penanganan Perubahan Climate Change), and Goal 15 (Terrestrial Ecosystems).
Iklim), serta Tujuan 15 (Ekosistem Daratan).
Berbagi Ruang Sharing Space
Bertepatan dengan Hari Gajah Sedunia (World Elephant Coinciding with World Elephant Day on 12 August 2025,
Day) pada 12 Agustus 2025, Permata Bank meluncurkan Film Permata Bank launched a documentary film “Berbagi Ruang
Dokumenter “Berbagi Ruang untuk Bukit Tigapuluh”. Karya ini untuk Bukit Tigapuluh” (Sharing Space for Bukit Tigapuluh). This
hasil kolaborasi dengan WWF Indonesia dan KITE Entertainment, documentary is a collaboration piece with WWF Indonesia and
sebagai upaya membangun kesadaran publik akan pentingnya KITE Entertainment, aimed at raising public awareness on the
peran masyarakat dalam menjaga jalur pergerakan alami atau importance of community involvement in protecting natural
koridor hidupan liar Gajah Sumatra di kawasan hutan. Upaya movement pathways or wildlife corridors of the Sumatran elephant
tersebut diharapkan dapat menciptakan ekosistem yang within forest areas. These efforts are expected to help create a
104 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 107
seimbang, dimana manusia bisa hidup berdampingan dengan balanced ecosystem where humans can coexist harmoniously
satwa yang dikenal sebagai penjaga hutan di Bukit Tigapuluh, with elephants, widely known as the forest guardians of Bukit
Jambi. Tigapuluh, Jambi.
Peluncuran film dokumenter tersebut, diselenggarakan di XXI The documentary premiere was held at XXI Epicentrum, Kuningan,
Epicentrum, Kuningan, Jakarta Selatan, dihadiri oleh Menteri South Jakarta, and attended by the Minister of Forestry of the
Kehutanan Republik Indonesia, Raja Juli Antoni, yang mendukung Republic of Indonesia, Raja Juli Antoni, who expressed his support
upaya edukasi dan konservasi Gajah di berbagai pelosok for elephant conservation and educational initiatives across
Indonesia, termasuk di Bukit Tigapuluh, Jambi. Film dokumenter Indonesia, including in Bukit Tigapuluh, Jambi. The documentary
tersebut selanjutnya dapat disaksikan oleh Masyarakat melalui is available for public viewing through Permata Bank’s YouTube
kanal Youtube Permata Bank. channel.
Giving Back to Society – 1 Misi Hijaukan Bumi Giving Back to Society – 1 Mission to Green the
Earth
Melalui kampanye Giving Back to Society - 1 Misi Hijaukan Bumi, Through the Giving Back to Society – 1 Mission to Green the Earth
Permata Bank telah mengintegrasikan gaya hidup sehat dengan campaign, Permata Bank integrated healthy living by encouraging
mengajak internal karyawan Permata Bank untuk sebanyak employees to walk and record their steps through the Move
mungkin melangkah, dan mencatat pencapaian langkah mereka for Elephants program. During the period of 21 November–21
di Program Move for Elephants. Selama periode 21 November-21 December 2025, a total of 1,566 PermataBankers collectively
Desember 2025, sebanyak 1.566 peserta PermataBankers recorded more than 146 million steps. This achievement was
berhasil mengumpulkan lebih dari 146 juta langkah, yang converted into 1,461 trees, which will be planted in the threatened
dikonversikan setara dengan 1.461 pohon akan ditanam di habitat habitat of the Sumatran elephant in Bukit Tigapuluh, Jambi, in
gajah Sumatra yang terancam punah di Bukit Tigapuluh, Jambi, collaboration with WWF Indonesia.
melalui kolaborasi dengan WWF Indonesia.
Kampanye yang dijalankan dalam rangkaian memperingati This campaign was part of the series of activities commemorating
Ulang Tahun Permata Bank ke-23, sebagai bagian dari Permata Bank’s 23rd Anniversary and serves as a key initiative
program besar konservasi ekosistem DenganHati untuk Bukit under the broader DenganHati for Bukit Tigapuluh ecosystem
Tigapuluh dalam mendukung pengembangan kegiatan ekonomi conservation program, which supports the development of
berkelanjutan berbasis lingkungan dan masyarakat. Kampanye environmentally and community-based sustainable economic
di tahun 2025 ini ditutup dengan mengadakan Tour de Kebun activities. The 2025 campaign concluded with the Tour de Kebun
Raya yang diselenggarakan pada hari Sabtu, 13 Desember 2025 Raya, held on Saturday, 13 December 2025, at the Bogor Botanical
di Kebun Raya Bogor. Gardens.
2025 Sustainability Report PT Bank Permata Tbk. 105
Page 108
Sehat
dan Sejahtera
Health and
Well-being
Beasiswa dan Donasi
Scholarships and Donations
Pada tahun 2025, Permata Bank menyalurkan program beasiswa In 2025, Permata Bank distributed scholarship and donation
dan donasi yang dilaksanakan melalui tiga subprogram, yaitu: programs implemented through three sub-programs, namely:
1. Beasiswa Poin Senyum 1. Poin Senyum Scholarship
Permata Bank menginisiasi program Beasiswa Poin Senyum Permata Bank initiated the Poin Senyum Scholarship
sebagai wujud komitmen berkelanjutan dalam mendukung Program as a manifestation of its ongoing commitment
akses pendidikan bagi anak-anak yang membutuhkan. to supporting access to education for children in need.
Melalui program ini, partisipasi PermataBankers Through this program, the participation of PermataBankers
sebagai Employee Volunteer (EVO) dalam kegiatan TJSL as Employee Volunteers (EVOs) in CSER activities is
dikonversikan menjadi kontribusi tidak langsung berupa converted into an indirect contribution in the form of a one-
beasiswa pendidikan selama satu tahun bagi satu penerima year educational scholarship for each beneficiary. The
manfaat. Penyaluran Beasiswa Poin Senyum dilakukan Poin Senyum Scholarship is distributed through a number
melalui sejumlah yayasan dan organisasi pendidikan, of foundations and educational organisations, including
antara lain Hoshizora Foundation, Yayasan Nara Kreatif, the Hoshizora Foundation, Yayasan Nara Kreatif, Red Nose
Red Nose Foundation, Inspiration Factory, SOS Village, serta Foundation, Inspiration Factory, as well as the labor union for
serikat pekerja untuk putra-putri PermataBankers yang the children of PermataBankers in need.
membutuhkan.
Pada tahun 2025, Permata Hati menyalurkan beasiswa In 2025, Permata Hati distributed scholarships with a total
dengan total nilai Rp1 miliar kepada 773 penerima manfaat value of IDR 1 billion to 773 beneficiaries across primary,
dari jenjang SD, SMP, SMA, hingga perguruan tinggi yang junior secondary, senior secondary, and tertiary education
tersebar di Jakarta dan sekitarnya serta Yogyakarta. levels, located in Jakarta and surrounding areas as well as
Yogyakarta.
106 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 109
2. Donasi: Hari Donasi Online Nasional (Hardolnas) 2. Donations: National Online Donation Day (Hardolnas)
Bagi Permata Bank, bulan Ramadan dimaknai sebagai For Permata Bank, the month of Ramadan is regarded as a
momentum untuk memperkuat kepedulian sosial. momentum to strengthen social awareness and solidarity.
Dalam semangat tersebut, Bank bekerja sama dengan In this spirit, the Bank collaborated with the fundraising
platform penggalangan dana Kitabisa.com mengajak platform Kitabisa.com to invite PermataBankers and the
PermataBankers dan masyarakat luas untuk berpartisipasi wider community to participate in the National Online
dalam program Hari Donasi Online Nasional (Hardolnas). Donation Day (Hardolnas) program. The program raised
Program ini berhasil menghimpun dana sebesar IDR 168,997,747 in two weeks. All funds raised were allocated
Rp168.997.747 dalam kurun waktu dua minggu. Seluruh to help build additional facilities at SDN 167-VIII Kelas Jauh,
dana yang terkumpul dialokasikan untuk membantu Simerantihan Hamlet, Bukit Tigapuluh, including two toilet
pembangunan fasilitas tambahan di SDN 167-VIII Kelas Jauh stalls, a multipurpose area, and a room that will function as
Dusun Simerantihan, Bukit Tigapuluh, termasuk dua bilik a library.
toilet, sebuah area serbaguna, dan sebuah ruangan yang
akan difungsikan sebagai perpustakaan.
3. Program Pemberian Kaki Prostesis 3. Prosthetic Leg Assistance Program
Untuk meningkatkan kemandirian dan produktivitas To enhance the independence and productivity of persons
penyandang disabilitas, Permata Hati dan Unit Usaha Syariah with disabilities, Permata Hati and Permata Bank’s Sharia
Permata Bank menyalurkan bantuan alat bantu berupa kaki Business Unit provided assistive devices in the form of
palsu dengan bekerja sama dengan sejumlah mitra seperti prosthetic legs by collaborating with several partners such
DARE Foundation dan Puspadi Bali, kepada penerima yang as the DARE Foundation and Puspadi Bali. This assistance is
menjadi tulang punggung keluarga. Program ini ditujukan provided to beneficiaries who are the primary breadwinners
bagi mereka yang membutuhkan dukungan mobilitas dalam of their families. This program was intended for individuals
kehidupan sehari-hari dan dilaksanakan pada tahun 2025 di requiring mobility support in their daily lives and was
Jawa, Sumatra, Bali, dan Lombok, dengan total 51 penerima implemented in 2025 across Java, Sumatra, Bali, and
manfaat. Lombok, with a total of 51 beneficiaries.
2025 Sustainability Report PT Bank Permata Tbk. 107
Page 110
Sehat
dan Sejahtera
Health and
Well-being
BANTUAN BENCANA DISASTER RELIEF
Menanggapi bencana yang terjadi di Aceh, Sumatera Utara, In response to disasters in Aceh, North Sumatra, and West
dan Sumatera Barat, Permata Hati berkolaborasi dengan Unit Sumatra, Permata Hati, in collaboration with the Zakat and
Pelayanan Zakat dan Dana Kebajikan (UPZDK) Permata Bank Benevolent Funds Service Unit (UPZDK) of Permata Bank Syariah
Syariah, dan serikat pekerja, berhasil mengumpulkan dan and the labor union, raised and distributed more than IDR 1.9
menyalurkan bantuan senilai lebih dari Rp1,9 miliar disalurkan billion to support recovery efforts for affected communities in
untuk mendukung pemulihan masyarakat terdampak bencana di Aceh and several regions in Sumatra.
Aceh dan sejumlah wilayah Sumatra.
Bantuan ini disalurkan melalui beberapa mitra, antara lain: Assistance was distributed through several partners, including:
1. BAZNAS RI 1. BAZNAS RI
Penyaluran bantuan melalui UPZDK Permata Bank Syariah Assistance was distributed through UPZDK Permata Bank
senilai Rp1,4 miliar kepada BAZNAS RI untuk mendukung Syariah in the amount of IDR 1.4 billion to BAZNAS RI to
penanganan bencana di berbagai wilayah di Sumatra. support disaster response in various regions in Sumatra. The
Penyerahan bantuan telah dilakukan secara simbolis oleh handover was conducted symbolically by Mr. Rudy Basyir
Bapak Rudy Basyir Ahmad selaku Direktur Keuangan & Unit Ahmad, Director of Finance and Sharia Business Unit of
Usaha Syariah Permata Bank. Permata Bank.
2. Dompet Dhuafa 2. Dompet Dhuafa
Penyaluran bantuan melalui UPZDK Permata Bank Syariah Assistance was distributed through UPZDK Permata Bank
senilai Rp300 juta kepada Dompet Dhuafa, dalam bentuk Syariah in the amount of IDR 300 million to Dompet Dhuafa, in
dukungan logistik, penggerakkan relawan, tenaga medis, the form of logistics support, volunteer mobilization, medical
dan tim respon cepat yang bekerja langsung di wilayah personnel, and rapid response teams working directly in
terdampak sejak fase awal darurat hingga masa pemulihan. affected areas from the initial emergency phase through
recovery.
3. Human Initiative (HI) 3. Human Initiative (HI)
Penyaluran bantuan senilai Rp100 juta dari hasil Assistance amounting to IDR 100 million, raised through
penggalangan dana melalui partisipasi karyawan, program employee participation, Permata Hati programs, UPZDK
Permata Hati, UPZDK Permata Bank Syariah, dan SPBP Permata Bank Syariah, and SPBP, was distributed to Human
kepada Human Initiative. Dana ini akan digunakan untuk Initiative. The funds are used to meet basic needs in three
memenuhi kebutuhan dasar di tiga wilayah prioritas: Pidie priority areas: Pidie Jaya (Aceh), Langkat (North Sumatra),
Jaya (Aceh), Langkat (Sumatra Utara), dan Kota Padang and Padang City (West Sumatra). Distribution is carried out
(Sumatra Barat). Penyaluran bantuan dilakukan bersama with Human Initiative, focusing on food supplies and hygiene
mitra Human Initiative, dengan fokus pada distribusi bahan necessities.
makanan dan keperluan kebersihan.
108 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 111
Realisasi Investasi Sosial Permata Bank 2025
Permata Bank Social Investment Realization 2025
Sepanjang tahun 2025, Permata Bank merealisasikan berbagai Throughout 2025, Permata Bank implemented various social
program sosial dengan total penyaluran dana sebesar Rp2.678,8 programs with a total fund disbursement of IDR 2,678.8 million.
juta. Melalui program-program tersebut, Bank berharap dapat Through these programs, the Bank hopes to deliver sustainable
memberikan manfaat yang berkelanjutan bagi seluruh pemangku benefits to all stakeholders.
kepentingan.
Dana yang Disalurkan (Rp Juta)
Program
Funds Disbursed (Rp Million)
Tanggung Jawab Sosial | Social Responsibility 2.678,8
Tanggung Jawab Lingkungan | Environmental Responsibility 1.550
Donasi dan Beasiswa | Donations and Scholarships 1.571,2
Jumlah | Total 5.800
Survei Kepuasan Penerima Manfaat
Beneficiary Satisfaction Survey
Permata Bank secara berkala mengevaluasi efektivitas Permata Bank regularly evaluates the effectiveness of the
pelaksanaan program Permata Hati dengan menghimpun implementation of Permata Hati programs by collecting feedback
umpan balik dari penerima manfaat pada akhir setiap program. from beneficiaries at the conclusion of each program. The
Hasil evaluasi tersebut digunakan sebagai dasar perbaikan dan evaluation results are used as the basis for improvements and
penyempurnaan program di periode berikutnya. enhancements to the programs in subsequent periods.
Tingkat Kepuasan Penerima Manfaat
Beneficiary Satisfaction Level
Tingkat Kepuasan
2025 2024 2023
Satisfaction Level
Penerima Manfaat | Beneficiary 94% 93%*) 87%
Employee Volunteers (EVO) 98% 98% 93%
*)
Pembulatan | Rounding
2025 Sustainability Report PT Bank Permata Tbk. 109
Page 112
Tata Kelola Keberlanjutan Sustainability Governance
Page 113
Page 114
Tata Kelola
Keberlanjutan
Sustainability
Governance
Tata Kelola
Keberlanjutan [2-9][2-12][2-13][2-23][2-24]
Sustainability Governance
Permata Bank menerapkan tata kelola perusahaan berdasarkan Permata Bank implements corporate governance in accordance
Peraturan OJK No. 17 Tahun 2023 tentang Penerapan Tata Kelola with the provisions of POJK No. 17 of 2023 on the Implementation
bagi Bank Umum (POJK 17/2023) serta Surat Edaran OJK No. of Governance for Commercial Banks, which serves as the main
14/SEOJK.03/2025 tentang Penerapan Tata Kelola Bagi Bank framework for banking governance. In its development, the Bank
Umum (SEOJK 14/2025) sebagai kerangka utama tata kelola adjusts its governance policies and procedures to align with
perbankan. Penerapan tata Kelola di Bank berlandaskan pada evolving sustainability needs and challenges. These adjustments
prinsip keterbukaan (transparency), akuntabilitas (accountability), aim to ensure that the principles of transparency, accountability,
tanggung jawab (responsibility), independensi (independency), responsibility, independence, and fairness continue to be applied
dan kewajaran (fairness), dengan mempertimbangkan aspek consistently, while incorporating sustainability considerations into
keberlanjutan dalam pengelolaan Bank. Selain itu, Permata Bank the Bank’s management. In addition, Permata Bank has adopted
turut mengadopsi ASEAN Corporate Governance Scorecard the ASEAN Corporate Governance Scorecard (ACGS) 2023, best
(ACGS) 2023, best practice, serta regulasi lain yang relevan. practices, and other relevant regulations. As part of its periodic
Sebagai bagian dari reviu pedoman dan kebijakan tata kelola review of the Bank’s governance guidelines and policies, in 2025,
Bank secara berkala, pada tahun 2025, Permata Bank melakukan Permata Bank updated the Board of Commissioners and Board of
penyesuaian Pedoman Dewan Komisaris dan Direksi dengan Directors Guidelines to align with SEOJK 14/2025.
ketentuan SEOJK 14/2025.
Pada tahun 2025, Permata Bank telah memiliki Kebijakan In 2025, Permata Bank maintains its Sustainability Policy,
Keberlanjutan, yang berfungsi sebagai kebijakan payung dalam which serves as an umbrella policy for the implementation of
setiap pelaksanaan keberlanjutan di operasional hingga bisnis sustainability across the Bank’s operations and business. In line
Bank. Sejalan dengan visi keberlanjutan untuk menjadi mitra with its sustainability vision to become a trusted financial partner
keuangan terpercaya yang mendorong transformasi menuju that drives transformation toward a sustainable, inclusive, and
ekonomi yang berkelanjutan, inklusif, dan bertanggung jawab, responsible economy, Permata Bank integrates sustainable
Permata Bank mengintegrasikan prinsip keuangan berkelanjutan finance principles across all business activities. Through its
dalam seluruh aktivitas bisnisnya. Melalui misi keberlanjutan, sustainability mission, the Bank is committed to providing
Bank berkomitmen untuk menyediakan layanan keuangan yang innovative and responsible financial services, contributing to
inovatif dan bertanggung jawab, berkontribusi pada pelestarian environmental conservation and social equity, and building
lingkungan dan kesetaraan sosial, serta membangun bisnis a transparent, accountable, and ethical business through
yang transparan, akuntabel, dan beretika melalui pengelolaan effective sustainability risk management and collaboration with
risiko keberlanjutan yang efektif dan kolaborasi dengan para stakeholders.
pemangku kepentingan.
Komitmen tersebut diimplementasikan melalui empat pilar This commitment is implemented through four sustainability
keberlanjutan, yaitu Sustainable Business, Sustainable pillars: Sustainable Business, Sustainable Operations, Sustainable
Operations, Sustainable Impact for Communities, dan Impact for Communities, and Sustainability Governance.
Sustainability Governance. Keempat pilar ini mencakup These pillars cover the development of sustainable products
pengembangan produk dan pembiayaan berkelanjutan, and financing, the application of environmentally friendly and
penerapan praktik operasional yang ramah lingkungan dan inclusive operational practices, community empowerment
inklusif, pemberdayaan masyarakat melalui literasi keuangan dan through financial literacy and social-environmental programs,
program sosial-lingkungan, serta penguatan tata kelola yang baik, and the strengthening of good governance, risk management,
manajemen risiko, dan perlindungan pemangku kepentingan. and stakeholder protection. All of Permata Bank’s sustainability
Seluruh inisiatif keberlanjutan Permata Bank dilandasi oleh initiatives are guided by the core I-PRICE values of Integrity,
nilai inti I-PRICE, yaitu Integrity, Partnership, Responsiveness, Partnership, Responsiveness, Innovation, Caring, and Excellence;
Innovation, Caring, dan Excellence, serta selaras dengan Tujuan and align with the SDGs.
Pembangunan Berkelanjutan (TPB).
112 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 115
Integrasi aspek keberlanjutan dalam tata kelola Bank juga The integration of sustainability aspects into the Bank’s
didorong oleh kesadaran bahwa kegiatan pembiayaan governance is also driven by the awareness that financing
berpotensi membawa risiko lingkungan dan sosial. Permata Bank activities may entail environmental and social risks. Permata Bank
menyadari bahwa penyaluran kredit memiliki potensi paparan recognises that lending activities have the potential to expose the
risiko lingkungan dan sosial. Risiko tersebut dapat timbul secara Bank to environmental and social risks, which may arise either
langsung maupun tidak langsung, meliputi kerusakan hutan, directly or indirectly, including deforestation, biodiversity loss,
penurunan keanekaragaman hayati, degradasi lingkungan laut degradation of marine environments and water resources, as well
dan sumber daya air, serta risiko sosial berupa pelanggaran hak as social risks such as violations of human rights and labour rights.
asasi manusia dan hak-hak tenaga kerja.
Permata Bank menjalankan fungsi keberlanjutan melalui struktur Permata Bank carries out its sustainability function through the
organisasi dan mekanisme tata kelola yang berlaku. Divisi existing organisational structure and governance mechanisms.
Sustainability berada di bawah Direktorat Corporate Affairs & The Sustainability Division operates under the Corporate
Sustainability untuk mendukung koordinasi dan pengambilan Affairs & Sustainability Directorate to support coordination and
keputusan. Selain itu, Bank menerapkan terms of reference decision-making related to sustainability. In addition, the Bank
(TOR) dalam pengaturan keanggotaan Komite Keberlanjutan. has established terms of reference (TOR) and membership
Komite ini beranggotakan para Direktur yang relevan dalam arrangements for the Sustainability Committee. This committee
upaya keberlanjutan Bank. Dalam pelaksanaannya, Komite comprises directors relevant to the Bank’s sustainability efforts.
Keberlanjutan dapat melibatkan Kepala Divisi lainnya sesuai In its implementation, the Committee may involve other Division
dengan topik yang dibahas. Heads depending on the topics discussed.
2025 Sustainability Report PT Bank Permata Tbk. 113
Page 116
Tata Kelola
Keberlanjutan
Sustainability
Governance
Struktur Tata Kelola Keberlanjutan [2-9][2-11]
Sustainability Governance Structure
Struktur Tata Kelola Keuangan Keberlanjutan Dewan Komisaris
Sustainable Financial Governance Structure Board of Commissioners
Direksi
Board of Directors
Komite Keberlanjutan
Sustainability Committee
Chief of Corporate Affairs &
Sustainability
Sustainability
Culture Network
Divisi Sustainability
Sustainability Division
Other Related Units
Struktur Tata Kelola Keuangan Keberlanjutan dan Dewan Komisaris
Manajemen Risiko terkait Iklim Board of Commissioners
Sustainable Financial Governance Structure and
Komite Pemantau Risiko
Climate-related Risk Management Risk Monitoring Committee
Direksi
Board of Directors
Komite Manajemen Risiko Komite Keberlanjutan
Risk Management Committee Sustainability Committee
Risk Framework Owner (RFO)
Climate - Relate Risk
Risk Framework Owner (RFO)
Chief of Corporate Affairs &
Risk Director
Sustainability
PIC RFO
Corporate, Sustainability
Market & Enterprise Commercial and Culture Network
Sustainability
Risk Management EBB Credit Risk
Management
Other Related Units
Climate Risk
Analytics
Informasi lebih lengkap mengenai struktur dan komposisi tata kelola, nominasi, kebijakan dan penentuan besaran remunerasi, serta evaluasi
kinerja badan tata kelola tertinggi dapat dilihat pada bab Tata Kelola Perusahaan Laporan Tahunan 2025. [2-10][2-18][2-19][2-20][2-21]
More detailed information on the structure and composition of governance, nomination processes, remuneration policies and determination, as well as
the performance evaluation of the highest governance bodies, can be found in the Corporate Governance chapter of the 2025 Annual Report. [2-10]
[2-18][2-19][2-20][2-21]
114 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 117
Komite yang Terkait dengan Keberlanjutan
Committees Related to Sustainability
KOMITE KEBERLANJUTAN SUSTAINABILITY COMMITTEE
Pada tahun 2023 Bank membentuk Komite Keberlanjutan untuk In 2023, the Bank established the Sustainability Committee to
meningkatkan pengawasan terhadap isu-su keberlanjutan. strengthen oversight of sustainability matters. The Sustainability
Komite Keberlanjutan mengadakan pertemuan secara berkala, Committee holds regular meetings, at least four times a year. It
setidaknya empat kali dalam setahun. Komite keberlanjutan comprises permanent voting members, namely the President
terdiri dari anggota tetap dengan hak suara, yaitu Direktur Director, Risk Director, and Finance Director, as well as permanent
Utama, Direktur Risiko, dan Direktur Keuangan, serta anggota non-voting members consisting of relevant Chiefs and Division
tetap tanpa hak suara, yang terdiri dari Chief dan Kepala Divisi Heads, including Corporate Banking, Commercial Banking,
terkait. Antara lain, Corporate Banking, Commercial Banking, International Business Development and Advisory, Treasury,
International Business Development & Advisory, Treasury, Sustainability, Corporate Communication, and Consumer
Sustainability, Corporate Communication, dan Consumer Lending. The Sustainability Committee is responsible for providing
Lending. Komite Keberlanjutan bertugas melakukan pengawasan oversight and driving the implementation of sustainability
serta mendorong pelaksanaan inisiatif keberlanjutan di Permata initiatives at Permata Bank, integrating environmental, social, and
Bank, mengintegrasikan aspek lingkungan, sosial, dan tata governance (ESG) aspects into the Bank’s strategy, policies, and
kelola (LST) ke dalam strategi, kebijakan, dan praktik bisnis Bank, business practices, and ensuring compliance with applicable
serta memastikan kepatuhan terhadap peraturan yang berlaku, regulations, alignment with industry standards, and common
keselarasan dengan standar industri, dan praktik umum terkait sustainability practices in the banking sector.
keberlanjutan di sektor perbankan.
KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Komite Pemantau Risiko (KPR) berperan mengevaluasi konsistensi The Risk Monitoring Committee (RMOC) evaluates the consistency
antara kebijakan manajemen risiko termasuk risiko iklim, dengan between risk management policies, including climate risk, and the
pelaksanaan kebijakan Bank dalam rangka memberikan Bank’s policy implementation in order to provide recommendations
rekomendasi kepada Dewan Komisaris, serta memonitor dan to the Board of Commissioners. The Committee also monitors
mengevaluasi pelaksanaan tugas Komite Manajemen Risiko and evaluates the execution of duties by the Risk Management
dan Satuan Kerja Manajemen Risiko dalam rangka memberikan Committee and the Risk Management Work Unit in order to
rekomendasi kepada Dewan Komisaris. Penjelasan lebih lanjut provide recommendations to the Board of Commissioners. Further
terkait term of references (TOR) Komite Pemantauan Risiko dapat details on the Risk Monitoring Committee’s terms of reference
mengacu pada Laporan Tahunan Permata Bank. (TOR) are presented in Permata Bank’s Annual Report.
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko (KMR) bertugas untuk mengevaluasi The Risk Management Committee (RMC) evaluates and
dan merekomendasikan kebijakan manajemen risiko, strategi, risk recommends risk management policies, strategy, risk appetite,
appetite, toleransi risiko, limit risiko, kerangka kerja manajemen risk tolerance, risk limits, the risk management framework, and
risiko, dan rencana kontinjensi untuk mengantisipasi kondisi contingency plans to anticipate abnormal conditions, and ensures
abnormal, serta memastikan eksposur risiko untuk semua jenis the Bank’s risk exposures across all risk types, including climate
risiko di termasuk risiko iklim, di Bank tetap sesuai dengan risk risk, remain within the approved risk appetite.
appetite.
KMR juga memastikan penerapan kerangka kerja manajemen The RMC also ensures the effective implementation of the
risiko termasuk kerangka kerja risiko (risk type framework/RTF) risk management framework, including the climate risk type
iklim di Permata Bank telah berjalan dengan efektif. Penjelasan framework (RTF), at Permata Bank. Further details on the Risk
lebih lanjut terkait terms of references (TOR) Komite Manajemen Management Committee’s terms of reference (TOR) are presented
Risiko dapat mengacu pada Laporan Tahunan Permata Bank. in Permata Bank’s Annual Report.
2025 Sustainability Report PT Bank Permata Tbk. 115
Page 118
Tata Kelola
Keberlanjutan
Sustainability
Governance
Penanggung Jawab Keuangan Berkelanjutan [E.1]
Sustainable Finance Implementation Management
Kinerja keberlanjutan Permata Bank, termasuk pelaksanaan Permata Bank’s sustainability performance, including the
keuangan berkelanjutan, dijalankan melalui pendelegasian tugas, implementation of sustainable finance, is carried out through the
kewenangan, dan tanggung jawab yang jelas pada organisasi delegation of clear duties, authorities, and responsibilities to the
tata kelola, yang meliputi: governance organization, which includes:
Tugas, Wewenang, dan Tanggung Jawab Keuangan Berkelanjutan
Sustainable-Finance-Related Roles, Authorities, and Responsibilities
Dewan Komisaris 1. Memberikan hasil reviu dan persetujuan atas 1. Reviews and approves the Sustainable Finance
Board of Commissioners Rencana Aksi Keuangan Berkelanjutan (RAKB) Action Plan (RAKB) submitted to regulators on an
yang disampaikan kepada regulator secara annual basis.
tahunan.
2. Memberikan persetujuan dan evaluasi secara 2. Approves and periodically evaluates the strategy
berkala atas strategi (tahunan), kerangka kerja (annually), frameworks and policies (at least once
dan kebijakan (minimum setiap tiga tahun sekali), every three years), and targets for sustainable
dan target penerapan keuangan berkelanjutan finance implementation (at least annually) to ensure
(minimum tahunan) untuk memastikan penciptaan long-term value creation, taking into account ESG
nilai jangka panjang dengan mempertimbangkan opportunities, challenges, and risks.
peluang, tantangan dan risiko penerapan LST.
3. Mengawasi pelaksanaan kinerja Bank sesuai 3. Oversees the Bank’s performance in line with
dengan prinsip keuangan berkelanjutan. sustainable finance principles.
4. Mengawasi dan mengevaluasi penerapan strategi, 4. Oversees and evaluates the effective
kerangka kerja, kebijakan, dan pencapaian target implementation of strategy, frameworks, policies,
keuangan berkelanjutan dan risiko iklim secara achievement of sustainable finance targets, and
efektif. climate risk management.
5. Mengevaluasi kecukupan sumber daya, sistem, 5. Evaluates the adequacy of resources, systems,
dan infrastruktur pendukung yang dibutuhkan Bank and supporting infrastructure required for
dalam penerapan keuangan berkelanjutan secara comprehensive and effective sustainable finance
komprehensif dan efektif. implementation.
Direksi 1. Menyusun Rencana Aksi Keuangan Berkelanjutan 1. Prepares the Sustainable Finance Action Plan for
Board of Directors (RAKB) untuk disampaikan kepada regulator annual submission to regulators.
[2-13][2-14] secara tahunan.
2. Menyusun strategi (tahunan), kerangka kerja dan 2. Develops strategy (annually), frameworks and
kebijakan (minimum setiap tiga tahun sekali), policies (at least once every three years), and
dan target penerapan keuangan berkelanjutan targets for sustainable finance implementation (at
(minimum tahunan). least annually).
3. Menetapkan rencana strategis dan anggaran 3. Establishes the annual strategic plan and budget
penerapan keuangan berkelanjutan secara for sustainable finance implementation.
tahunan.
4. Melaksanakan program keuangan berkelanjutan 4. Implements sustainable finance programs in
sesuai dengan RAKB accordance with the Sustainable Finance Action
Plan.
5. Memastikan Bank telah mengembangkan 5. Ensures the Bank develops and implements
dan mengimplementasikan proses untuk processes to identify ESG-related opportunities
mengidentifikasi peluang dan risiko dari penerapan and risks, understands potential impacts on the
LST dan memahami potensi dampak risiko terkait Bank’s business, and incorporates these risks into
LST terhadap bisnis Bank dan memperhitungkan the Bank’s business strategy and risk management
risiko tersebut pada strategi bisnis dan kerangka framework.
manajemen risiko.
6. Memastikan kecukupan sumber daya, sistem, dan 6. Ensures the adequacy of resources, systems, and
infrastruktur pendukung yang dibutuhkan Bank supporting infrastructure required for sustainable
dalam penerapan keuangan berkelanjutan. finance implementation.
7. Melakukan evaluasi penerapan strategi keuangan 7. Evaluates sustainable finance strategy
berkelanjutan dan melaporkan hasilnya kepada implementation and reports the results to the Board
Dewan Komisaris serta regulator dan pemangku of Commissioners, regulators, and other relevant
kepentingan terkait lainnya. stakeholders.
116 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 119
Komite Keberlanjutan 1. Menyusun dan merekomendasikan kerangka dan 1. Develops and recommends frameworks and
Sustainability Committee menyiapkan kebijakan pengelolaan Lingkungan, prepares ESG management policies to ensure
Sosial, dan Tata Kelola (LST) untuk memastikan alignment with the Bank’s overall business.
keselarasan dengan bisnis Bank secara
keseluruhan.
2. Mengembangkan dan melaksanakan strategi dan 2. Develops and implements the Bank’s sustainability
inisiatif keberlanjutan Bank di lingkungan internal strategies and internal initiatives, including
Bank, termasuk tanggung jawab sosial perusahaan corporate social responsibility (CSR).
(TJSL).
3. Menentukan prioritas dan target keberlanjutan. 3. Sets sustainability priorities and targets.
4. Memantau dan menilai risiko serta peluang bisnis 4. Monitors and assesses key business risks and
utama yang timbul dari aspek LST. opportunities arising from ESG aspects.
5. Memantau dan mengawasi kinerja keberlanjutan 5. Monitors and oversees the Bank’s sustainability
Bank serta memberikan rekomendasi perbaikan performance and periodically provides
terhadap proses penerapan prinsip-prinsip recommendations to improve the implementation
berkelanjutan secara berkala. process for sustainability principles.
6. Meningkatkan kesadaran akan praktik dan budaya 6. Enhances awareness of sustainable practices and
berkelanjutan. culture.
7. Menyusun dan memantau implementasi Rencana 7. Prepares and monitors the implementation of the
Aksi Keuangan Berkelanjutan (RAKB). Sustainable Finance Action Plan.
8. Mengawasi dan/atau mengkaji penyimpangan dari 8. Oversees and/or reviews deviations from the
Kebijakan Keberlanjutan. Sustainability Policy.
9. Mengkaji Term of Reference (TOR) Komite 9. Reviews the Sustainability Committee’s Terms of
Keberlanjutan paling sedikit dua tahun sekali Reference (TOR) at least once every two years and
dan memberikan rekomendasi perubahan (jika recommends amendments (if required).
diperlukan).
Divisi Keberlanjutan 1. Melakukan koordinasi penyusunan Rencana 1. Coordinates the preparation of the RAKB with all
Sustainability Division Aksi Keuangan Berkelanjutan (RAKB) dengan relevant units for submission to the Sustainability
seluruh unit terkait untuk diajukan kepada Komite Committee and approval by the Board of Directors
Keberlanjutan dan disetujui oleh Direksi dan Dewan and Board of Commissioners.
Komisaris.
2. Menyusun strategi, kerangka kerja, kebijakan, dan 2. Develops bank-wide strategies, frameworks,
target keuangan berkelanjutan di tingkat bank- policies, and targets for sustainable finance for
wide untuk diajukan kepada Komite Keberlanjutan submission to the Sustainability Committee and
dan disetujui oleh Direksi dan Dewan Komisaris. approval by the Board of Directors and Board of
Commissioners.
3. Koordinasi penerapan inisiatif keuangan 3. Coordinates the implementation of sustainable
berkelanjutan dengan seluruh unit terkait sesuai finance initiatives with relevant units in line with the
rencana strategis Bank dan RAKB. Bank’s strategic plan and the Sustainable Finance
Action Plan.
4. Melakukan pemantauan atas pencapaian kinerja 4. Monitors performance achievements and the
dan efektivitas penerapan inisiatif keuangan effectiveness of sustainable finance initiative
berkelanjutan. implementation.
5. Melaporkan perkembangan penerapan keuangan 5. Reports progress on sustainable finance
berkelanjutan kepada Direksi, Dewan Komisaris, implementation to the Board of Directors, Board
regulator, dan pemangku kepentingan terkait of Commissioners, regulators, and other relevant
lainnya. stakeholders.
6. Mempromosikan budaya keberlanjutan di seluruh 6. Promotes a sustainability culture across the
organisasi organization.
7. Memastikan pelaksanaan keuangan berkelanjutan 7. Ensures sustainable finance implementation
sesuai ketentuan peraturan yang berlaku dari complies with applicable regulatory requirements.
regulator.
8. Secara proaktif melakukan koordinasi dan 8. Proactively coordinates and identifies potential
mengidentifikasi seluruh potensi dampak dan impacts and risks arising from ESG implementation
risiko yang timbul dari penerapan LST serta and develops ESG risk management processes,
mengembangkan proses, metodologi dan kerangka methodologies, and frameworks.
manajemen risiko LST.
9. Melakukan kajian dan pengembangan strategi, 9. Conducts reviews and develops sustainable finance
kerangka kerja dan inisiatif keuangan berkelanjutan strategies, frameworks, and initiatives effectively.
secara efektif.
10. Memastikan ketersediaan sumber daya, termasuk 10. Ensures the availability of resources, including
informasi dan infrastruktur yang diperlukan untuk information and infrastructure needed for effective
penerapan keberlanjutan secara efektif. sustainability implementation.
11. Melakukan koordinasi dengan unit terkait dalam 11. Coordinates with relevant units to map potential
rangka pemetaan potensi dampak lingkungan dan environmental and social impacts arising from
sosial yang timbul dari aktivitas operasional. operational activities.
12. Melakukan laporan kinerja keberlanjutan dan 12. Prepares sustainability performance reporting
analisis serta memenuhi regulasi yang berlaku dari and analysis and fulfills applicable regulatory
regulator. requirements.
13. Melakukan koordinasi, sinergi, dan penyelarasan 13. Coordinates, aligns, and creates synergies between
inisiatif keberlanjutan Bank dengan strategi the Bank’s sustainability initiatives and BBL’s
keberlanjutan BBL. sustainability strategy.
14. Menyampaikan laporan secara efektif dan tepat 14. Ensures timely and effective reporting on the Bank’s
waktu terkait strategi dan keberlanjutan bank strategy and sustainability to relevant stakeholders.
kepada para pemangku kepentingan terkait.
2025 Sustainability Report PT Bank Permata Tbk. 117
Page 120
Tata Kelola
Keberlanjutan
Sustainability
Governance
Climate Risk Analytics 1. Menyusun kerangka kerja, metodologi, kebijakan, 1. Develops frameworks, methodologies, policies,
dan/atau prosedur manajemen risiko terkait iklim. and/or procedures for climate risk management.
2. Mengintegrasikan pengelolaan risiko terkait iklim 2. Integrates climate-related risk management into
ke dalam kerangka kerja manajemen risiko Bank the Bank’s overall risk management framework.
secara keseluruhan.
3. Mengembangkan metodologi untuk identifikasi, 3. Develops methodologies for accurate,
pengukuran, pengendalian, dan pemantauan comprehensive, and effective identification,
termasuk pelaporan risiko terkait iklim dengan measurement, control, monitoring, and reporting of
tepat, komprehensif, dan efektif. climate-related risks.
4. Melaksanakan analisis skenario iklim dan/atau uji 4. Conducts periodic climate scenario analysis and/
stres secara berkala untuk menilai dampak risiko or stress testing to assess the impacts of climate-
terkait iklim terhadap Bank dan keterkaitannya related risks on the Bank and their linkages to
dengan risiko utama lainnya (seperti risiko kredit, other key risks (such as credit, market, liquidity, and
risiko pasar, risiko likuiditas, risiko operasional), operational risks), including impacts on the Bank’s
serta dampaknya terhadap permodalan Bank. capital.
5. Menyusun kebijakan atau prosedur terkait emisi 5. Develops policies or procedures related to
dari aktivitas pembiayaan. emissions from financing activities.
6. Secara aktif melakukan kajian dan pengembangan 6. Actively reviews and develops climate risk
penerapan manajemen risiko terkait iklim sesuai management implementation in line with standards
dengan standar dan praktik umum yang diterapkan and common industry practices.
dalam industri.
Sustainability Culture Network 1. Mempromosikan budaya keberlanjutan di wilayah 1. Promotes sustainability culture within each
kerja masing-masing. network’s respective working area.
2. Menyusun inisiatif keberlanjutan sesuai cakupan 2. Develops sustainability initiatives aligned with each
area kerja masing-masing network. network’s scope of work.
3. Menyampaikan hasil pelaksanaan program 3. Reports sustainability program implementation
keberlanjutan kepada Divisi Keberlanjutan. results to the Sustainability Division.
4. Memberikan masukan terkait kebutuhan 4. Provides input on resource needs (people, systems,
sumber daya (orang, sistem, infrastruktur) untuk infrastructure) for sustainability implementation.
implementasi keberlanjutan.
Unit Terkait Lainnya Penerapan keuangan berkelanjutan melibatkan Sustainable finance implementation involves all
Other Related Units seluruh fungsi dan unit terkait di Bank, sehingga relevant functions and units across the Bank, requiring
diperlukan kolaborasi dan koordinasi untuk memastikan collaboration and coordination to ensure effective
implementasi berjalan dengan efektif. Selain itu, unit execution. Related units are also responsible for preparing
terkait juga bertanggungjawab dalam menyusun plans, strategies, policies, and derivative procedures as
rencana, strategi, kebijakan dan prosedur turunan sesuai needed within their respective areas, including:
kebutuhan pada area masing – masing.
1. Corporate Banking – Divisi Corporate Banking 1. Corporate Banking - Corporate Banking Operational
Operational Risk & Business Support Risk & Business Support Division
2. Commercial Banking – Divisi Commercial Business 2. Commercial Banking - Commercial Business
Support and Operational Risk Management Support and Operational Risk Management
Division
3. Consumer Banking – Divisi Business Development 3. Consumer Banking - Business Development
and Customer Segment and Divisi Consumer and Customer Segment Division, and Consumer
Lending Lending Division
4. Treasury – Divisi Rates and Asset Liability 4. Treasury - Rates and Asset Liability Management
Management Division
5. Sharia Business Unit – Divisi Sharia Business 5. Sharia Business Unit - Sharia Business Performance,
Performance, System & Operations Management System, and Operations Management Division
6. International Business Development & Advisory – 6. International Business Development & Advisory -
Sustainable Product Development Sustainable Product Development
7. Risk – Divisi Market & Enterprise Risk Management 7. Risk - Market & Enterprise Risk Management
and Divisi Corporate, Commercial, and EBB Credit Division, and Corporate, Commercial, and EBB
Risk Management Credit Risk Management Division
8. People & Culture – Divisi Learning & Development 8. People & Culture - Learning & Development Division,
and Divisi Talent Acquisition and Talent Acquisition Division
9. Finance – Divisi Corporate Real Estate Services and 9. Finance - Corporate Real Estate Services Division,
Divisi Procurement Vendor Management and Procurement Vendor Management Division
10. Corporate Affairs & Sustainability – Divisi Corporate 10. Corporate Affairs & Sustainability - Corporate
Communication Communication Division
118 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 121
Pengembangan Kompetensi terkait Keuangan Berkelanjutan [E.2][2-17]
Sustainable Finance Training and Development
Sebagai bagian dari penerapan keberlanjutan, Permata Bank As part of its sustainability efforts, Permata Bank has established
menetapkan key performance indicator (KPI) Keberlanjutan yang bank-wide Sustainability key performance indicators (KPIs). With
berlaku secara bank-wide. Dengan adanya KPI Berkelanjutan ini these Sustainability KPIs in place, sustainability has become an
maka Keberlanjutan menjadi bagian yang diperhitungkan dalam integral part of the overall performance assessment of the Bank,
penilaian kinerja Bank secara keseluruhan, termasuk Komisaris, including the Board of Commissioners, Board of Directors, and
Direksi dan Manajemen. Dengan demikian KPI Berkelanjutan Management. As such, the Sustainability KPIs have an impact on
berpengaruh terhadap remunerasi karena besaran bonus kinerja remuneration, as the amount of performance bonuses and annual
dan peningkatan gaji tahunan sangat dipengaruhi kinerja. salary increases are heavily influenced by performance.
Implementasi KPI tersebut didukung melalui penyelenggaraan The implementation of these KPIs is supported by internal
program peningkatan kapasitas internal dan pembuatan modul capacity building programs and the creation of e-learning
e-learning terkait keberlanjutan yang dilaksanakan oleh Bank modules related to sustainability, which are carried out by the
dan mencakup Dewan Komisaris, Direksi, serta seluruh karyawan. Bank and cover the Board of Commissioners, the Board of
Program ini diarahkan untuk meningkatkan pemahaman dan Directors, and all employees. This program is aimed at increasing
kapabilitas terhadap praktik keberlanjutan di sektor perbankan. understanding and capabilities regarding sustainability practices
Untuk e-learning terkait keberlanjutan, modul diperbarui setiap in the banking sector. For e-learning related to sustainability, the
tahun demi menjaga kesesuaian dengan regulasi terbaru dan modules are updated annually to ensure compliance with the
standar keberlanjutan global yang terus berubah. [2-19] latest regulations and global sustainability standards, which are
constantly changing. [2-19]
Selain untuk kepentingan internal, Permata Bank juga memberikan Beyond internal capacity building, Permata Bank also provides
peningkatan kapasitas terkait bisnis berkelanjutan kepada pihak capacity-building on sustainable business practices to external
eksternal, yaitu kepada nasabah dan vendor. Adapun untuk parties, namely customers and vendors. For customers,
nasabah, tema sustainability masuk ke dalam salah satu diskusi sustainability is included as a theme in one of the panel discussions
panel di Economic Outlook 2026, dengan mengundang para at the Economic Outlook 2026 event, which invites customers from
nasabah dari segmen Corporate dan Commercial Banking. the Corporate and Commercial Banking segments. For vendors,
Sedangkan, untuk vendor, Permata Bank memiliki seminar Permata Bank conducts an annual sustainability seminar and, in
tahunan terkait keberlanjutan, dimana untuk 2025 seminar ini 2025, the seminar was delivered in 2 batches, reaching a total of
dilakukan sebanyak 2 batch yang secara total telah menjangkau 58% of Permata Bank’s active vendor partners.
58% dari total mitra aktif vendor Permata Bank.
2025 Sustainability Report PT Bank Permata Tbk. 119
Page 122
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pengembangan Kompetensi terkait Keberlanjutan Tahun 2025
Sustainability Competencies Development in 2025
Jumlah
Topik Pelatihan Tanggal Pelatihan Pemateri Kategori Peserta Peserta
No.
Training Topics Training Dates Presenters Participant Category Number of
Participant
1. Sustainability and IFRS Disclosure 22 Januari 2025 PwC Indonesia BOC, BOD, Chiefs 23
Standards Updates 22 January 2025
2. Improving the Quality of Sustainability 4 Februari 2025 Trisakti Sustainability SR Data Contributor across 36
Report (SR) 4 February 2025 Center (TSC) Directorate
3. Green Financing: Opportunities, Strategies, 19 Maret 2025 Trisakti Sustainability Compliance, Risk, Business 32
and Transitions 19 March 2025 Center (TSC) Units
4. Introduction to Sustainable Finance 20 Maret 2025 Sustainability Division Business Units 22
20 March 2025
5. Project Finance for Renewable Energy 30 April 2025 Aquo Energy, METI Related Business Units 30
30 April 2025 (Masyarakat Energi & Risk
Terbarukan Indonesia)
6. Permata Learning Week 2025: Atomic 6 Agustus 2025 Sustainability Division, All PermataBankers 267
Green Habits: Shaping Excellence for a 6 August 2025 Afutami (sustainability
Sustainable Tomorrow influencer)
7. Permata Learning Week 2025: Banking 6 Agustus 2025 Sustainability Division, All PermataBankers 207
on Net Zero: Turning Climate Risk into 6 August 2025 Corporate Banking
Opportunity for Strategic Growth
8. Sustainable Finance Implementation in Agustus-Desember E-Learning All PermataBankers 6.050
Permata Bank 2025
August-December 2025
9. Seminar for Vendors: Sustainability in 30 Juni 2025 Sustainability Division External: Vendors 70
Supply Chain: Together for Sustainable 30 June 2025
Future
10. Economic Outlook 2026: "Reviving 28 Oktober 2025 Representative from External: Customer 316
Domestic Growth, Navigating Global 28 October 2025 Bangkok Bank &
Shocks" Customers
11. Seminar for Vendors: Sustainable Business 18 November 2025 Sustainability Division External: Vendors 61
18 November 2025
120 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 123
Manajemen
Risiko [E.3]
Risk Management
Permata Bank menerapkan manajemen risiko sebagai bagian Permata Bank implements risk management as an integral part
dari kerangka pengelolaan usaha Bank. Seluruh risiko material of the Bank’s business management framework. All material risks
dikelola berdasarkan enterprise risk management framework are managed in accordance with the enterprise risk management
(ERMF) melalui rangkaian proses identifikasi, pengukuran, framework (ERMF) through a series of identification, measurement,
pemantauan, dan pengendalian yang dijalankan secara konsisten monitoring, and control processes that are applied consistently
di seluruh aktivitas operasional Bank. Pengelolaan ini ditujukan across all of the Bank’s operational activities. This management
untuk menjaga ketahanan usaha sekaligus mengendalikan approach is intended to safeguard business resilience while
potensi dampak risiko terhadap aspek ekonomi, sosial, controlling the potential impact of risks on economic, social,
lingkungan, dan tata kelola. Strategi manajemen risiko dirancang environmental, and governance aspects. The risk management
untuk mendukung kesinambungan usaha dan penciptaan nilai strategy is designed to support business continuity and value
bagi pemangku kepentingan dengan memperhatikan kondisi creation for stakeholders, taking into account both the Bank’s
internal dan eksternal Bank. internal and external conditions.
Risiko dan peluang bisnis utama yang berkaitan dengan aspek Key business risks and opportunities related to environmental,
lingkungan, sosial, dan tata kelola (LST) dipantau serta dinilai social, and governance (ESG) aspects are monitored and
melalui Komite Keberlanjutan. Pemantauan tersebut didukung assessed through the Sustainability Committee, which convenes
oleh kajian manajemen risiko yang mencakup seluruh aspek at least twice a year. This monitoring is supported by risk
operasional Bank, termasuk risiko terkait LST dan ekonomi. Dalam management assessments covering all aspects of the Bank’s
kerangka pengelolaan risiko tersebut, Permata Bank mengelola 15 operations, including ESG- and economy-related risks. Within this
tipe risiko utama, yaitu Risiko Kredit, Risiko Pasar, Risiko Likuiditas risk management framework, Permata Bank manages 15 main
Jangka Pendek, Risiko Likuiditas Struktural, Risiko Modal, Risiko risk types, namely Credit Risk, Market Risk, Short-Term Liquidity
Operasional, Risiko Keamanan Informasi, Risiko Hukum, Risiko Risk, Structural Liquidity Risk, Capital Risk, Operational Risk,
Strategik, Risiko Kepatuhan, Risiko Imbal Hasil, Risiko Investasi, Information Security Risk, Legal Risk, Strategic Risk, Compliance
Risiko Transaksi Intra-group, serta Risiko Iklim, sesuai dengan Risk, Rate of Return Risk, Investment Risk, Intra-group Transaction
ERMF 2025. Risk, and Climate Risk, in accordance with the 2025 ERMF.
Lebih lanjut, sebagai bagian dari tata kelola risiko, pengelolaan In addition, as part of risk governance, climate risk management
risiko iklim juga didukung oleh peran Komite Manajemen Risiko is supported by the roles of the Risk Management Committee
(KMR) dan Komite Pemantauan Risiko (KPR). KMR menetapkan (RMC) and the Risk Monitoring Committee (RMOC). The Risk
kebijakan, kerangka kerja, serta parameter risiko yang mencakup Management Committee establishes policies, frameworks, and
aspek keberlanjutan, termasuk risk appetite dan risk tolerance risk parameters that incorporate sustainability considerations,
terkait risiko iklim, dan memastikan penerapannya terintegrasi including climate risk appetite and climate risk tolerance, and
dalam proses bisnis. Sementara itu, KPR menjalankan fungsi ensures these are integrated into business processes. Meanwhile,
pengawasan independen atas implementasi kebijakan tersebut the Risk Monitoring Committee provides independent oversight
dengan menilai keselarasan antara arahan yang telah ditetapkan of implementation by assessing alignment between the
dan praktik pelaksanaannya, serta memberikan rekomendasi established direction and execution in practice, and by providing
kepada Dewan Komisaris untuk memastikan efektivitas tata recommendations to the Board of Commissioners to support the
kelola pengelolaan risiko iklim. effective governance of climate risk management.
Dalam kerangka pengelolaan Risiko Iklim sebagai bagian dari Within the framework of Climate Risk management as part of
risiko material Bank, Permata Bank melakukan identifikasi dan the Bank’s material risks, Permata Bank conducts more in-depth
penilaian Risiko Iklim secara lebih mendalam. Risiko iklim yang identification and assessment of Climate Risk. Climate risks
dinilai material dikelompokkan ke dalam dua kategori utama, deemed material are categorised into two main groups: Transition
yaitu Risiko Transisi dan Risiko Fisik. Risiko Transisi berkaitan Risk and Physical Risk. Transition Risk relates to changes in policy,
dengan perubahan kebijakan, perkembangan teknologi, serta technological developments, and shifts in social preferences,
pergeseran preferensi sosial, sementara Risiko Fisik meliputi while Physical Risk includes floods, fires, rising temperatures, and
banjir, kebakaran, peningkatan suhu, dan kenaikan permukaan air sea-level rise. This identification is carried out through scenario
laut. Identifikasi tersebut dilakukan melalui analisis skenario dan analysis and stress testing to assess the impact on the Bank’s
uji stres untuk menilai dampaknya terhadap strategi bisnis Bank business strategy over the short, medium, and long term.
dalam jangka pendek, menengah, dan panjang.
2025 Sustainability Report PT Bank Permata Tbk. 121
Page 124
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pengkajian Risiko Iklim dilakukan secara berkelanjutan sepanjang Climate Risk assessment is conducted continuously throughout
siklus hubungan dengan debitur, mulai dari proses on boarding, the debtor relationship lifecycle, starting from the onboarding
aplikasi dan tinjauan kredit, pemantauan dan keterlibatan process, credit application and review, ongoing monitoring and
berkelanjutan, hingga persetujuan produk atau bisnis baru. Dalam engagement, through to the approval of new products or business
proses tersebut, dampak Risiko Iklim dipetakan terhadap risiko activities. Within this process, the impact of Climate Risk is
keuangan dan nonkeuangan untuk menilai potensi, signifikansi, mapped against both financial and non-financial risks to assess
dan tingkat konsentrasinya. [F.12] its potential, materiality, and level of concentration. [F.12]
Permata Bank juga melakukan komunikasi aktif dengan debitur Permata Bank also engages in active communication with
serta pihak ketiga yang dianggap signifikan, termasuk pemasok debtors and significant third parties, including goods and service
barang, guna memperoleh informasi yang lebih memadai suppliers, in order to obtain more comprehensive information
mengenai pemahaman terhadap risiko iklim, rekam jejak, regarding their understanding of climate risks, track records,
komitmen, dan strategi transisi dalam mengelola risiko tersebut. commitments, and transition strategies in managing such risks.
Informasi lebih lengkap mengenai pelaksanaan serta peran dan tanggung jawab Direksi dan Dewan Komisaris dalam manajemen risiko secara
keseluruhan dapat dilihat dalam Bab Manajemen Risiko Laporan Tahunan 2025.
More complete information regarding the implementation, roles, and responsibilities of the Board of Directors and the Board of Commissioners in overall
risk management can be seen in the Risk Management Chapter of 2025 Annual Report.
Pengelolaan Risiko Iklim [2-13][201-2]
Climate Risk Management
Sebagai bagian dari penguatan pengelolaan Risiko Iklim, As part of strengthening its climate risk management,
Permata Bank telah mengembangkan Kerangka Kerja Tipe Permata Bank has developed a Climate Risk Type Framework
Risiko Iklim (Climate Risk Type Framework) dan menerapkan and applies the Indonesia Sustainable Finance Taxonomy
Taksonomi untuk Keuangan Berkelanjutan Indonesia (TKBI). (TKBI). Implementation of this framework is supported by the
Penerapan kerangka tersebut didukung oleh pembentukan fungsi establishment of a Climate Risk Analytics function under the
Climate Risk Analytics di bawah Divisi Market & Enterprise Risk Market and Enterprise Risk Management (MERM) Division, which
Management (MERM) yang berfokus pada pengembangan focuses on developing the Climate Risk Stress Test (CRST) and
Climate Risk Stress Test (CRST) serta perhitungan Financed calculating financed emissions. From a governance perspective,
Emission. Secara tata kelola, pengelolaan Risiko Iklim berada di climate risk management is overseen by the Risk Director
bawah pengawasan Direktur Risiko dan Chief of Corporate Affair and the Chief of Corporate Affairs & Sustainability as the Risk
& Sustainability selaku Risk Framework Owner (RFO), dengan Framework Owner (RFO), supported by RFO PICs comprising the
dukungan RFO PIC yang terdiri dari Division Head Market & MERM Division Head; Corporate, Commercial, and EBB Credit
Enterprise Risk Management (MERM), Division Head Corporate, Risk Management (CCE CRM) Division Head; and Sustainability
Commercial, & EBB Credit Risk Management (CCE CRM), dan Division Head.
Division Head Sustainability.
Tahun 2025, Permata Bank melakukan kajian pilot bottom-up In 2025, Permata Bank conducted its second pilot bottom-
Climate Risk Management & Scenario Analysis (CRMS) yang up Climate Risk Management & Scenario Analysis (CRMS)
kedua sesuai dengan persyaratan regulator serta mengacu pada assessment in line with regulatory requirements and referring to
panduan yang ditetapkan oleh Otoritas Jasa Keuangan (OJK) guidance issued by the Financial Services Authority (OJK), using
berdasarkan skenario yang disusun oleh Network for Greening the scenarios developed by the Network for Greening the Financial
Financial System (NGFS) yaitu skenario Net Zero 2050, Delayed System (NGFS), namely Net Zero 2050, Delayed Transition, and
Transition, dan Current Policy terhadap Risiko Transisi dan Risiko Current Policies, across Transition Risk and Physical Risk.
Fisik.
122 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 125
Skenario Iklim Network for Greening the Financial System (NGFS)
Climate Scenario Network for Greening the Financial System (NGFS)
High
Disorderly Too Little, Too Late
Divergent
Net Zero
(1.5ºC)
Delayed
(2ºC)
Transition Risk
Net Zero
2050
(1.5ºC) Below
(2ºC)
NDCs
Current
Policies
Orderly Hot House World
Low
Low Physical Risk High
A. Orderly A. Orderly
• Net Zero 2050 membatasi kenaikan suhu global hingga • Net Zero 2050 limits the increase in global temperature
1,5°C melalui kebijakan iklim yang ketat dan inovasi, to 1.5°C through stringent climate policies and
dengan pencapaian emisi CO₂ nol bersih secara global innovation, with global net-zero CO₂ emissions reached
sekitar tahun 2050. around 2050.
• Below 2°C secara bertahap meningkatkan • Below 2°C gradually increases the stringency of climate
tingkat ketatnya kebijakan iklim, sehingga policies, providing a 67% probability of limiting global
memberikan peluang sebesar 67% untuk temperature rise to below 2°C.
membatasi kenaikan suhu global di bawah 2°C.
B. Disorderly B. Disorderly
• Divergent Net Zero mencapai kondisi nol bersih sekitar • Divergent Net Zero reaches net zero around 2050 but
tahun 2050, namun dengan biaya yang lebih tinggi at higher cost due to misaligned policies across sectors,
akibat penerapan kebijakan yang tidak selaras antar resulting in an earlier phase-out of oil.
sektor, yang menyebabkan penghentian penggunaan
minyak bumi secara lebih cepat.
• Delayed Transition mengasumsikan bahwa emisi • Delayed Transition assumes annual emissions do not
tahunan tidak mengalami penurunan hingga tahun 2030. decline until 2030; as a result, very strong policies are
Oleh karena itu, kebijakan yang sangat kuat diperlukan required to keep global temperature rise below 2°C, with
untuk membatasi kenaikan suhu global tetap di bawah limited negative-emissions capacity.
2°C, dengan kemampuan emisi negatif yang terbatas.
C. Hot House World C. Hot House World
• Nationally Determined Contributions (NDCs) mencakup • Nationally Determined Contributions (NDCs) include
seluruh target yang telah dijanjikan, meskipun belum all pledged targets, although not all are supported by
seluruhnya didukung oleh kebijakan yang efektif dan effective policies and have been implemented.
telah diimplementasikan.
• Current Policies mengasumsikan bahwa hanya • Current Policies assumes only currently implemented
kebijakan yang saat ini telah diterapkan yang policies remain in place, leading to high physical risk
dipertahankan, sehingga mengarah pada risiko fisik due to climate change.
yang tinggi akibat perubahan iklim.
2025 Sustainability Report PT Bank Permata Tbk. 123
Page 126
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pelaksanaan CRMS dilakukan pada periode Februari hingga The CRMS was conducted from February to August 2025
Agustus 2025 (6 bulan) dan melibatkan beberapa unit kerja dari (6 months) and involved multiple work units across directorates,
berbagai direktorat seperti Risk, Corporate Affairs & Sustainability, including Risk, Corporate Affairs & Sustainability, Finance and
Finance & Sharia Business Unit, dan Treasury. Kajian CRMS Sharia Business Unit, and Treasury. The CRMS covered climate risk
meliputi analisis skenario uji ketahanan terhadap dampak resilience scenario analysis, Climate Risk Stress Testing (CRST),
risiko iklim, Climate Risk Stress Testing (CRST), dan perhitungan and the calculation of financed emissions. Due to limited debtor
emisi dari aktivitas pembiayaan (financed emissions). Karena emissions data, measurement is currently performed using proxy
keterbatasan data emisi debitur, saat ini pengukuran dilakukan data from several industry sectors that correspond to Permata
menggunakan data perantara (proxy) dari beberapa sektor Bank’s debtors.
industri yang sama dengan debitur-debitur Permata Bank.
Permata Bank telah mengembangkan metodologi Transmisi Permata Bank has developed an integrated Climate Risk
Risiko Iklim yang terintegrasi untuk mengidentifikasi dan Transmission methodology to identify and manage climate-
mengelola dampaknya terhadap Risiko Kredit, Risiko Pasar, Risiko related impacts across Credit Risk, Market Risk, Liquidity Risk, and
Likuiditas, dan Risiko Operasional sebagai berikut: Operational Risk, as follows:
Climate Risk Impact Scenario References Segments Assesment
Baseline
CRG Rating
Transition Risk Translation Extrapolation
(GDP/Carbon Tax/ Stress NGFS phase 5 LI
Archetype CRG
Demand/Supply) (2025-2027) Scenario impact
Mapping projection
Assesment PD translation RWA
Corporate (High-Medium) Baseline CRG
Net Zero (due to EBB impact
Commercial, EBB 2023-2024
not analyzed
Credit Risk
Chronical
Delay by CRG)
(higher
Transition Internal
temperature
Assumption LGD to
sea level
Current Policy distinguish
rise)
Physical between
Risk Call Mapping Net Zero,
Corp-Comm (Small/Medium/Large) Delayed
Acute Badan Nasional
Baseline & (plantation) Transition,
(Flood/ Penanggulangan
Stress Consumer and Current
Wildfire) Bencana (BNPB)
(Mortgage) EBB Policy
Baseline &
Market Risk
Stress
Trading Book &
(2025-2027) RBB Impact to FVTPL RWA-MR
Transition Risk Banking Book CAR prjection
Net Zero Static Dec 2024 Impact to FVTOCI Projection
portfolio
Delay
Current Policy
Assess Deposit run-off In line with
Assess MV of MS Change market risk
Baseline & RBB Assess NPL movement result
Transition Risk & Qualitative
Liquidity Risk
Stress Static Dec 2024 Top 100 depositor from Loan
affected sector (coal, movement Impact to LCR
Bank Wide palm oil, O&G) to NPL Impact to
impact to NSFR
Top 100 depositor Repayment
Baseline & from affected sector from
Physical Risk Static Dec 2024
Stress (Agriculture, forestry, mortgage
fishery, property) portfolio
Calculate
potential
Op. Risk
Extreme Flood Branch & ATM Mapping
CRES Data Dec24 Loss
Physical Risk & Qualitative & Extreme Bank Wide (High/Medium/Low) to
& BNPB based on
Wildfire IRBI’s Data
Assumption
& Internet
Hasil kajian CRMS disetujui oleh Direktur Risiko, Chief of The CRMS results were approved by the Risk Director, the Chief of
Corporate Affairs & Sustainability, Chief of Treasury, dan Direktur Corporate Affairs and Sustainability, the Chief of Treasury, and the
Keuangan dan Unit Usaha Syariah serta disampaikan kepada Director of Finance and Sharia Business Unit, and were submitted
Komite Pemantau Risiko (KPR) dan Komite Manajemen Risiko to the Risk Monitoring Committee and the Risk Management
(KMR) sebagai pembaruan informasi mengenai identifikasi Committee as an update on climate risk identification and its
Risiko Iklim dan potensi dampaknya bagi Bank, serta sebagai potential impacts on the Bank, as well as input for reporting
bahan penyampaian kepada Direksi dan Dewan Komisaris. to the Board of Directors and Board of Commissioners. In line
Sejalan dengan dinamika regulasi Risiko Iklim yang terus with evolving climate risk regulations, the frequency of CRMS
berkembang, frekuensi pelaksanaan CRMS ditetapkan dengan implementation is determined with due consideration to prevailing
mempertimbangkan perkembangan ketentuan yang berlaku. requirements.
124 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 127
Hasil CRMS di tahun 2025 menunjukkan bahwa Risiko Transisi The 2025 CRMS results indicate that Transition Risk and Physical
dan Risiko Fisik berpotensi menekan kinerja keuangan Bank Risk may put pressure on the Bank’s financial performance,
yang tercermin dari penurunan profit after tax (PAT) dan as reflected in a decline in profit after tax (PAT) and the capital
capital adequacy ratio (CAR). Dalam pilot bottom-up CRMS adequacy ratio (CAR). Under the pilot bottom-up CRMS covering
terhadap 100% portofolio, CAR diproyeksikan menurun menjadi 100% of the portfolio, CAR is projected to decline to 28% – 30%
28% – 30% pada horizon jangka pendek (2025–2027) dan over the short-term horizon (2025 – 2027) and to 28% – 33% over
menjadi 28% – 33% pada horizon jangka panjang (2030–2050), the long-term horizon (2030 – 2050), compared with a December
dibandingkan posisi Desember 2024 sebesar 35%. 2024 position of 35%.
Capital Adequacy Ratio (CAR) - Short Term Capital Adequacy Ratio (CAR) - Long Term
31,50% 34,00%
31,00% 33,00%
30,50% 32,00%
30,00%
31,00%
29,50%
30,00%
29,00%
29,00%
28,50%
28,00% 28,00%
27,50% 27,00%
27,00% 26,00%
2025 2026 2027 2030 2040 2050
Stress Net Zero Emissions Delayed Transition Current Policy
Penurunan tersebut terutama dipengaruhi oleh peningkatan This decline is primarily driven by higher expected credit loss
expected credit loss (ECL), penurunan pendapatan bunga akibat (ECL), lower interest income due to an increase in troubled debtors
meningkatnya debitur bermasalah (non-performing loan/NPL), (non-performing loans/NPLs), and fair value losses on securities
serta kerugian nilai wajar surat berharga seiring perubahan as market conditions change.
kondisi pasar.
Proyeksi dampak tersebut diperoleh melalui uji ketahanan yang These projected impacts are derived through stress testing that
diawali dengan pengelompokan debitur ke dalam subsektor begins with categorizing debtors into priority subsectors based on
prioritas berdasarkan tingkat risiko tinggi (seperti batubara, risk levels: high risk (such as coal, power generation, oil and gas,
pembangkit listrik, migas, dan perkebunan), risiko menengah and plantations), medium risk (such as chemicals, transportation,
(seperti industri kimia, transportasi, gula, semen, dan daging & sugar, cement, and meat and dairy), and low risk (trade and
susu), dan risiko rendah (perdagangan & jasa, properti, konstruksi, services, property, construction, and food processing). Stress
dan pengolahan makanan). Uji ketahanan dilakukan untuk testing is conducted for both the short-term (2025 – 2027) and
periode waktu jangka pendek (2025 – 2027) maupun jangka long-term (2030 – 2050) periods by assessing changes in debtor
panjang (2030 – 2050) dengan menilai perubahan credit risk Credit Risk Grading (CRG) and the resulting financial implications
grading (CRG) debitur serta implikasi finansial terhadap Permata for Permata Bank through projections of loan impairment (LI), risk-
Bank melalui proyeksi loan impairment (LI), risk weighted asset weighted assets (RWA), and the capital adequacy ratio (CAR).
(RWA), dan capital adequacy ratio (CAR). Hasil uji ketahanan The results indicate that coal mining, plantations, and oil and gas
menunjukan sektor pertambangan batubara, perkebunan, dan are the sectors most affected by climate change (with the largest
migas merupakan sektor yang paling terdampak oleh perubahan decline in customer ratings).
iklim (penurunan rating customer tertinggi).
Risiko Kredit menjadi risiko terbesar bagi Bank terhadap dampak Credit Risk represents the Bank’s most significant risk exposure
dari perubahan iklim. Kajian CRMS juga digunakan untuk arising from climate change impacts. The CRMS assessment is
mengukur dampak lintas risiko, termasuk risiko pasar, risiko also used to measure cross-risk impacts, including market risk,
likuiditas, dan risiko operasional, walaupun dampaknya tidak liquidity risk, and operational risk, although these impacts are not
signifikan seperti pada risiko kredit. as significant as those on credit risk.
2025 Sustainability Report PT Bank Permata Tbk. 125
Page 128
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pemetaan Dampak Risiko dan Peluang terkait Perubahan Iklim
Mapping the Impacts of Climate-Related Risk and Opportunities
Jenis Risiko Pemicu Risiko
Risk Type Trigger Risk
Risiko Kredit Banjir dan kebakaran hutan (cuaca ekstrem). Potensi penurunan nilai jaminan yang berlokasi di area potensi banjir dan
Credit Risk Flooding and forest fires (extreme weather). kebakaran.
Potential decline in the value of collateral located in areas prone to flooding
and fires.
Potensi gangguan aktivitas usaha debitur baik yang berasal dari sisi supply,
proses produksi, inventory, penjualan dan lain-lain.
Potential disruption to debtors’ business activities, including supply,
production processes, inventory, sales, and others.
Perubahan kebijakan pemerintah, alih teknologi, dan Potensi penurunan kualitas kredit khususnya pada debitur, di sektor
perubahan preferensi pasar. terdampak.
Changes in government policy, technology shifts, and Potential deterioration in credit quality, particularly for debtors in affected
changes in market preferences. sectors.
Potensi kenaikan Non-Performing Loan (NPL).
Potential increase of Non-Performing Loans (NPLs).
Potensi penambahan pencadangan khususnya pada sektor pertambangan.
Potential increase in reserves, particularly in the mining sector.
Risiko Pasar Penurunan harga (atau kenaikan credit spread) Potensi kenaikan Aset Tertimbang Menurut Risiko (ATMR) pada Risiko
Market Risk akibat penurunan peringkat dari surat berharga dari Pasar.
perusahaan-perusahaan yang terdampak. Potential increase in Risk-Weighted Assets (RWA) for Market Risk.
Price declines (or widening credit spreads) due to rating
downgrades of securities issued by affected companies.
Potensi penurunan laba dan/atau Other Comprehensive income akibat
perubahan nilai instrumen keuangan.
Potential decline in profit and/or Other Comprehensive Income due to
changes in the value of financial instruments.
Potensi pelemahan Capital Adequacy Ratio (CAR), khususnya pada jangka
panjang.
Potential weakening of the Capital Adequacy Ratio (CAR), particularly over
the long term.
Risiko Likuiditas Penurunan nilai pasar surat berharga sebagaimana Potensi penurunan kualitas High Quality Liquid Assets (HQLA).
Liquidity Risk dijelaskan dalam risiko pasar. Potential deterioration in the quality of High Quality Liquid Assets (HQLA).
Decrease in the market value of securities as described
in market risk.
Penurunan kinerja keuangan nasabah pada sektor terdampak maupun
nasabah terdampak bencana.
Deterioration in financial performance of customers in affected sectors
and/or customers impacted by disasters.
Risiko Operasional Banjir dan kebakaran hutan (cuaca ekstrem). Kerusakan aset karena bencana.
Operational Risk Flooding and forest fires (extreme weather). Asset damage due to disasters.
Keterangan | Description:
*)
Skala Probabilitas | Probability Scale: **)
Tingkat Keparahan | Severity
1 : Hampir Tidak Mungkin Terjadi | Almost Impossible 1 : Insignifikan | Insignificant
2 : Kecil Kemungkinan Terjadi | Unlikely 2 : Minor | Minor
3 : Mungkin Terjadi | Possible 3 : Moderat | Moderate
4 : Besar Kemungkinan Terjadi | Highly Likely 4 : Major | Major
5 : Pasti Terjadi | Certain 5 : Fatal | Fatal
126 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 129
Akun Keuangan
Tingkat
Peluang Probabilitias*) Strategi Mitigasi Terdampak
Keparahan**)
Opportunity Probability Mitigation Strategy Affected Financial
Severity
Accounts
Permintaan asuransi. 4 4 Pemilihan jaminan yang memperhatikan lokasi rawan • Kredit
Insurance demand. bencana. • CKPN
Collateral selection that takes into account disaster- • Laba rugi
prone locations. • Credit
• Allowance for
Impairment Losses
• Profit and Loss
Penambahan fasilitas kredit termasuk cross 4 4 Penilaian kredit yang lebih menyeluruh dengan
selling. mempertimbangkan aspek dampak risiko fisik.
Additional credit facilities, including cross- A more comprehensive credit assessment that takes
selling. into account the impact of physical risks
• Kenaikan permintaan pembiayaan hijau. 4 4 • Penilaian kredit yang lebih menyeluruh dengan
• Penambahan fasilitas kredit termasuk mempertimbangkan aspek dampak risiko transisi.
cross selling. • Repricing kredit berbasis risiko iklim/ESG.
• Increased demand for green financing. • A more comprehensive credit assessment that
• Additional credit facilities, including considers the impact of transition risks.
cross-selling. • Climate/ESG risk-based credit repricing.
Menurunkan persentase NPL. 4 4 Pemberian kredit mempertimbangkan faktor risiko
Reducing the NPL percentage. iklim
Credit provision takes climate risk factors into account
Memperluas pembiayaan sektor prioritas 4 4 Penyesuaian profil portofolio kredit dengan
yang didukung oleh kebijakan pemerintah. meningkatkan pembiayaan pada sektor prioritas
Expanding financing for priority sectors Adjusting the credit portfolio profile by increasing
supported by government policy. financing in priority sectors
Insentif atas produk investasi berkelanjutan 2 .2 Penilaian risiko investasi yang lebih menyeluruh • Surat berharga
(green bond). dengan mempertimbangkan aspek dampak risiko • AFS MTM
Incentives for sustainable investment iklim. • Laba rugi OCI
products (green bonds). A more comprehensive investment risk assessment • Securities
that takes into account the impact of climate risk. • AFS MTM
• OCI Profit
and Loss
Insentif atas produk investasi berkelanjutan 2 2 Mengintegrasikan skenario risiko iklim ke dalam
(green bond). strategi investasi.
Incentives for sustainable investment Integrating climate risk scenarios into investment
products (green bonds). strategies.
Insentif atas produk investasi berkelanjutan 2 2 Mengintegrasikan perencanaan modal (ICAAP)
(green bond). dengan faktor iklim.
Incentives for sustainable investment Integrating climate risk scenarios into investment
products (green bonds). strategies.
Insentif atas produk investasi berkelanjutan 1 1 Penilaian risiko investasi likuid asset yang lebih • Surat berharga
(green bond). menyeluruh dengan mempertimbangkan aspek • AFS ATM
Incentives for sustainable investment dampak risiko iklim. • Laba rugi
products (green bonds). Integrating climate risk scenarios into investment • OCI
strategies. • Dana Pihak Ketiga
• Securities
• AFS ATM
• Profit and Loss
• OCI
• Third Party Funds
Potensi penarikan simpanan nasabah 1 1 Meningkatkan diversifikasi pendanaan dalam jangka
maupun potensi kenaikan NPL pada sektor panjang.
terdampak. Increasing long-term funding diversification.
Potential customer deposit withdrawals
and/or potential increase in NPLs in
affected sectors.
Efisiensi operasi 3 3 • Penguatan Business Continuity Plan (BCP) dan • Expenses kerugian
Operational efficiency. disaster recovery. operasi
• Pemilihan Lokasi kantor cabang dengan penilaian • Aktiva tetap
yang lebih komprehensif mempertimbangkan risiko • Operating Loss
iklim. Expenses
• Strengthening Business Continuity Plans (BCP) and • Fixed Assets
disaster recovery.
• Selecting branch office locations with a more
comprehensive assessment that takes climate risks
into account.
2025 Sustainability Report PT Bank Permata Tbk. 127
Page 130
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pengelolaan Risiko Iklim di Permata Bank dilakukan melalui Climate Risk Management at Permata Bank is carried out through
penguatan proses, tata kelola, dan koordinasi lintas fungsi. Upaya strengthening processes, governance, and cross-functional
tersebut mencakup: coordination. These efforts include:
• Pembentukan Departemen Climate Risk Analytics pada • The establishment of the Climate Risk Analytics Department
tahun 2024 yang bertujuan untuk melakukan kajian yang in 2024 aims to conduct more comprehensive studies on
lebih mendalam atas pengelolaan dan mitigasi masing- climate-related risk management and mitigation.
masing risiko terkait iklim.
• Pembentukan Divisi Sustainability di bawah Direktorat • Establishing the Sustainability Division under the Corporate
Corporate Affair and Sustainability yang bertanggung jawab Affairs and Sustainability Directorate, which is responsible
untuk merancang mengembangkan keberlanjutan bank for designing and advancing bank-wide sustainability in
secara bankwide agar selaras dengan tujuan Permata Bank alignment with Permata Bank’s targets to achieve Net
untuk mencapai target NZE operasional 2030 dan NZE Zero Emissions (NZE) for operations by 2030 and NZE
pembiayaan 2052 serta memastikan kesesuaian dengan for financing by 2052, and for ensuring compliance with
regulasi yang berlaku. applicable regulations.
• Peningkatan dan pengembangan kapasitas Sumber Daya • Enhancing and developing human capital capacity to
Manusia (SDM) dalam mengelola dampak risiko iklim melalui manage climate risk impacts through external training
pelatihan-pelatihan eksternal. programs.
• Pengembangan dan penerapan proses untuk memahami • Development and implementation of processes to
serta mengidentifikasi potensi dampak Risiko Iklim terhadap understand and identify the potential impacts of Climate Risk
kegiatan usaha Bank, sekaligus mengelolanya dalam strategi on the Bank’s business activities, while managing them within
bisnis dan kerangka manajemen risiko. the business strategy and risk management framework.
• Penetapan peran dan tanggung jawab Direksi, Dewan • Definition of the roles and responsibilities of the Board of
Komisaris, dan unit kerja terkait sesuai struktur organisasi, Directors, Board of Commissioners, and relevant work units
termasuk mekanisme koordinasi dan pengawasan dalam in accordance with the organizational structure, including
pengelolaan risiko iklim. coordination and oversight mechanisms for climate risk
management.
• Penyusunan kebijakan, prosedur, dan pengendalian internal • Development of effective policies, procedures, and internal
yang efektif terkait manajemen risiko iklim. controls related to climate risk management.
• Integrasi risiko iklim ke dalam sistem pengendalian internal • Integration of climate risk into the internal control system
melalui penerapan model tiga lini guna memastikan proses through the implementation of the three lines model to
identifikasi, pengukuran, dan mitigasi risiko berjalan secara ensure the processes of risk identification, measurement, and
tepat, komprehensif, dan efektif. mitigation are carried out appropriately, comprehensively,
and effectively.
• Pembentukan focus group discussion (FGD) risiko iklim untuk • Establishment of a climate risk forum to strengthen
membahas strategi, inisiatif, isu, status kemajuan, serta coordination between work units under the risk framework
memperkuat koordinasi antar unit kerja yang berada di owner (RFO).
bawah lingkup risk framework owner (RFO).
• Penyampaian pembaruan informasi terkait Risiko Iklim • Providing updates on Climate Risk to the Risk Management
kepada Komite Manajemen Risiko dan Komite Pemantau Committee and Risk Oversight Committee at least once a
Risiko setidaknya satu kali dalam setahun. year.
Dalam pengelolaan risiko iklim, Dewan Komisaris dan Direksi In managing climate risk, the Board of Commissioners and the
menjalankan fungsi pengawasan secara aktif terhadap efektivitas Board of Directors actively oversee the effectiveness of the
sistem pengendalian internal. Pelaksanaan pengawasan internal control system. This oversight is carried out in accordance
tersebut dilakukan sesuai dengan kewenangan dan tanggung with their respective authorities and responsibilities, which are
jawab masing-masing, yang didelegasikan kepada komite di delegated to committees under the Board of Commissioners and
bawah Dewan Komisaris serta komite di bawah Direksi. Sistem committees under the Board of Directors. The internal control
pengendalian internal terkait risiko iklim selanjutnya diterapkan system related to climate risk is then implemented by adopting
dengan mengadopsi model tiga lini sebagai berikut: the three lines model as follows:
128 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 131
Tiga Model Lini
Three Lines Model
• Memiliki kesadaran dan pemahaman yang cukup untuk • Have adequate awareness and understanding to identify
mengidentifikasi potensi Risiko Iklim. potential Climate Risk.
• Memastikan seluruh Risiko Iklim telah diidentifikasi, • Ensure all climate risks are identified, measured,
diukur, dipantau, dan dikendalikan. monitored, and controlled.
• Menetapkan kontrol yang memadai untuk Risiko Iklim • Set up adequate controls for identified Climate Risks to
yang sudah diketahui agar tetap dalam batas yang ensure within acceptable boundaries and to consistent
dapat diterima dan sesuai dengan standar yang standards.
konsisten.
• Memastikan semua kebijakan, prosedur, batasan, dan • Ensure all applicable policies, procedures, limits, and
Peran Lini Pertama persyaratan pengendalian risiko terkait Risiko Iklim other risk control requirements related to Climate Risks
First Line Role diterapkan dan dipatuhi. are implemented and complied with.
Direktorat Bisnis dan seluruh • Menanggapi dengan cepat terhadap kejadian internal • Respond promptly to internal and external events
Direktorat Fungsi Pendukung dan eksternal terkait Risiko Iklim untuk mengurangi related to Climate Risk to mitigate any adverse impacts
Business Directorates dampak negatif terhadap Bank dan melaporkan to the Bank and report these events in accordance with
and all Support Function kejadian tersebut sesuai dengan standar yang berlaku. applicable standards.
Directorates. • Mengidentifikasi dan mengeskalasi risiko baru dan yang • Identify and escalate new and emerging Climate Risk
muncul (emerging risk) terkait Risiko Iklim yang dapat that could be material to the Bank.
menjadi material bagi Bank.
• Menyelaraskan strategi bisnis (atau fungsional) dengan • Align business (or functional) strategy with risk tolerance
toleransi risiko dan selera risiko terkait Risiko Iklim. and Risk appetite related to Climate Risk.
• Memiliki dan merancang proses, kontrol, dan standar • Own and design processes, controls, and standards for
untuk mematuhi Kerangka Jenis Risiko dan kebijakan adhering to Risk Type Framework and policies applicable
yang berlaku terkait Risiko Iklim pada bisnis mereka. related to Climate Risk to their business operations.
• Mempromosikan budaya Risiko Iklim yang sehat dan • Promote a healthy Climate Risk culture and good
perilaku yang baik. conduct.
• Memiliki tanggung jawab atas proses penyusunan • Own the process of the Climate Risk Type Frameworks
Kerangka Tipe Risiko Iklim (RTF), strategi, kebijakan, dan (RTF), strategies, policies, and procedures, and monitor
prosedur, serta memantau efektivitas implementasinya. the implementation effectiveness.
• Mengawasi dan menantang kegiatan pengambilan • Oversee and challenge risk-taking activities and risk
risiko dan rencana perbaikan risiko yang ditetapkan remediation plans set by the first line, including new
oleh first line, termasuk aktivitas baru, produk, dan activities, products, and limit excesses.
pelampauan batas.
Peran Lini Kedua
• Memberikan rekomendasi atau keputusan untuk • Make a recommendation or decision to approve or reject
Second Line Role
menyetujui atau menolak sesuai kebutuhan. as appropriate.
RFO Risiko Iklim (Direktur
• Melakukan penilaian Risiko Iklim dan pemantauan • Undertaking Climate Risk assessments and monitoring
Risiko dan Chief of
secara independen dari first line role. independently from the first line role.
Corporate Affairs &
• Memiliki dan mengelola proses untuk pengawasan dan • Own and manage processes for oversight and challenge.
Sustainability) dan RFO PIC
tantangan.
Risiko Iklim (Divisi Market &
• Memastikan tingkat Risiko Iklim selalu berada dalam • Ensure that climate risk levels are always within
Enterprise Risk Management,
selera risiko dan toleransi risiko dengan melakukan risk appetite and risk tolerance by performing risk
Divisi Corporate,
pengukuran risiko, penilaian, serta melakukan uji stres. measurement, assessment, as well as by conducting
Commercial & EBB Credit
stress testing.
Risk Management; dan Divisi
• Mengevaluasi akurasi model dan validitas data yang • Evaluate the model accuracy and data validity used for
Sustainability)
digunakan untuk mengukur Risiko Iklim. measuring climate risks.
RFO Climate Risk (Risk
• Merancang laporan informasi risiko yang efektif dan • Design effective and timely risk information reports to
Director; Chief of Corporate
tepat waktu untuk mendukung keputusan manajemen. support management decisions.
Affairs & Sustainability)
• Memastikan kepatuhan regulasi di area risiko yang • Ensure regulatory compliance in respective risk areas.
and RFO PIC Climate Risk
bersangkutan.
(Market & Enterprise Risk
• Mempromosikan budaya risiko yang sehat dan kuat • Promote healthy and strong risk culture related Climate
Management Division;
terkait Risiko Iklim. Risk.
Corporate, Commercial &
• Memastikan kecukupan sumber daya manusia, sistem, • Ensure the adequacy of people, systems, and
EBB Credit Risk Management
dan infrastruktur lainnya untuk mengelola Risiko Iklim. infrastructure to manage climate risks.
Division; and Sustainability
• Memberikan penilaian Risiko Iklim yang berpandangan • Provide a forward-looking climate risk assessment.
Division).
ke depan.
• Mengkoordinasikan seluruh unit/pihak yang terlibat • Coordinate all units/parties who are involved in
dalam mengelola area risiko masing-masing. managing their respective risk areas.
• Merancang kebijakan khusus keuangan berkelanjutan • Designing a special sustainable finance policy to
untuk menerapkan penilaian TKBI, risiko lingkungan implement the TKBI assessment, environmental and
dan sosial terhadap debitur, serta identifikasi portofolio social risk assessments for debtors, as well as the
keuangan berkelanjutan" identification of a sustainable finance portfolio
• Melakukan penilaian independen untuk memastikan • To perform independent assessments in order to ensure
manajemen telah mengidentifikasi risiko utama serta management has identified key risks and ensure
Peran Lini Ketiga memastikan manajemen telah mengelola risiko tersebut Management have managed the risk in accordance with
Third Line Role sesuai dengan proses manajemen risiko yang telah the established risk management processes.
Internal Audit ditetapkan.
• Melakukan penilaian independen terhadap kecukupan • To perform independent assessments on the adequacy
desain kontrol serta efektivitas operasionalnya. of control design as well as its operating effectiveness.
Informasi lebih lengkap mengenai manajemen risiko dapat dilihat pada Bab Manajemen Risiko Laporan Tahunan 2025.
Complete information regarding risk management can be seen in the Risk Management Chapter of 2025 Annual Report.
2025 Sustainability Report PT Bank Permata Tbk. 129
Page 132
Tata Kelola
Keberlanjutan
Sustainability
Governance
Etika
Bisnis
Business Ethics
Kepatuhan terhadap Hukum dan Peraturan [2-27]
Compliance with Laws and Regulations
Permata Bank menerapkan Kebijakan Kepatuhan yang wajib Permata Bank implements a Compliance Policy that all employees
dipatuhi oleh seluruh karyawan. Pengawasan atas pelaksanaan must adhere to. Oversight of the compliance function is carried out
fungsi kepatuhan dilakukan oleh Direktur Hukum dan Kepatuhan, by the Director of Legal and Compliance, with support from the
dengan dukungan Divisi Compliance Regulatory Affairs Advisory, Compliance Regulatory Affairs Advisory, Compliance Monitoring
Compliance Monitoring & Training, Anti Money Laundering (AML), & Training, Anti-Money Laundering (AML), and Cross-Border
serta Cross Border Compliance Advisory. Masing-masing divisi Compliance Advisory Divisions. Each division has designated
memiliki tugas dan tanggung jawab yang ditetapkan untuk duties and responsibilities to ensure the Bank’s compliance with
memastikan kepatuhan Bank terhadap peraturan yang berlaku. applicable regulations.
Kesadaran dan budaya kepatuhan di Permata Bank dibangun Compliance awareness and culture at Permata Bank are built
melalui program pembelajaran yang berkelanjutan. Bank secara through continuous learning programs. The Bank regularly
rutin menyelenggarakan pelatihan wajib berbasis e-learning conducts mandatory e-learning on compliance culture for all
mengenai budaya kepatuhan bagi seluruh karyawan setiap employees each year. This effort is reinforced by the Litigation
tahunnya. Upaya ini diperkuat dengan pelaksanaan legal Division’s legal sharing sessions, which aim to improve employees’
sharing session oleh Divisi Litigasi yang bertujuan meningkatkan understanding of prudential banking principles and encourage
pemahaman karyawan atas prinsip prudential banking dan consistent compliance with laws and regulations, regulatory
mendorong kepatuhan yang konsisten terhadap peraturan requirements, and internal policies and procedures.
perundang-undangan, ketentuan regulator, serta kebijakan dan
prosedur internal.
Untuk memastikan kepatuhan terhadap peraturan perundang- To ensure compliance with laws and regulations stipulated by
undangan yang ditetapkan oleh otoritas pengawas keuangan, financial supervisory authorities, including the Financial Services
termasuk Otoritas Jasa Keuangan dan Bank Indonesia, Authority (OJK) and Bank of Indonesia, Permata Bank, through its
Permata Bank melalui Divisi Compliance and Regulatory Affairs Compliance and Regulatory Affairs Division, carries out a series of
menjalankan serangkaian aktivitas pengelolaan kepatuhan yang structured compliance management activities, including:
terstruktur, meliputi:
1. Pelaksanaan gap analysis atas peraturan baru yang 1. Conducting gap analyses on new regulations issued by
diterbitkan regulator serta sosialisasi kepada unit kerja regulators and disseminating them to relevant work units
terkait untuk memastikan pemenuhan kewajiban sesuai to ensure compliance with established timeframes, as
jangka waktu yang ditetapkan, sebagaimana diatur dalam stipulated in the Department Operating Instruction (DOI) on
Department Operating Instruction (DOI) Administrasi dan Administration and Distribution of Letters and Monitoring,
Distribusi Surat serta Pemantauan, Distribusi, dan Sosialisasi Distribution, and Dissemination of Regulatory Regulations.
Peraturan Regulator.
2. Peninjauan secara berkala atas kebijakan dan prosedur 2. Periodic reviews of the Bank’s policies and procedures
Bank guna memastikan kesesuaian dengan ketentuan yang to ensure compliance with applicable regulations, with
berlaku, dengan mengacu pada Kebijakan dan Prosedur reference to the Document Governance Guidelines Policy
Panduan Tata Kelola Dokumen. and Procedures.
3. Reviu atas produk Bank, baik yang telah berjalan maupun 3. Reviews of the Bank’s products, both existing and new,
produk baru, termasuk pelaksanaan pelaporan dan/atau including reporting and/or licensing to regulators in
perizinan kepada regulator sesuai Kebijakan dan Prosedur accordance with the Bank’s Product Development Policy and
Pengembangan Produk Bank. Procedures.
4. Pemberian konsultasi kepada unit kerja terkait dalam rangka 4. Providing consultations to relevant work units regarding
pemenuhan ketentuan regulator yang berlaku. compliance with applicable regulatory requirements.
130 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 133
5. Pengelolaan hubungan dengan regulator serta penyampaian 5. Managing relationships with regulators and submitting
laporan kepatuhan secara tepat waktu sesuai dengan compliance reports in a timely manner in accordance with
Kebijakan Pengelolaan Hubungan dengan Pihak Regulator the Regulatory Relations Management Policy and DOI for
dan DOI Pembuatan Laporan Kepatuhan. Compliance Reporting.
Di sisi lain, Divisi Legal Advisory memastikan kepatuhan Bank On the other hand, the Legal Advisory Division ensures the Bank’s
terhadap peraturan perundang-undangan melalui pelaksanaan compliance with laws and regulations through the implementation
tugas dan tanggung jawab yang mengacu kepada Prosedur of duties and responsibilities that refer to the Legal Advisory
Legal Advisory, yaitu: Procedures, namely:
1. Memberikan kajian hukum dan mengeluarkan opini atas 1. Providing legal reviews and issuing opinions on every
setiap transaksi yang akan dijalankan, produk dan layanan transaction to be executed, new products and services to be
baru yang akan diterbitkan oleh Bank. issued by the Bank.
2. Membuat standar dokumen hukum untuk produk baru dan/ 2. Creating standard legal documents for new and/or
atau pengembangannya serta layanan yang diterbitkan oleh developed products and services issued by the Bank.
Bank.
3. Melakukan reviu berkala atas standar dokumen hukum yang 3. Periodically reviewing existing legal document standards in
sudah diberlakukan sesuai dengan ketentuan dan peraturan accordance with applicable laws and regulations.
hukum yang berlaku.
4. Membuat dan melakukan pengkinian, mereviu kebijakan 4. Develop and update, review legal policy and procedure.
dan prosedur hukum (legal policy and procedure).
5. Melakukan reviu/memberikan kajian hukum atas kebijakan/ 5. Reviewing/providing legal reviews of policies/procedures
prosedur dari unit lain terkait dengan materi hukum, atas from other units related to legal matters, upon request by the
permintaan unit terkait. relevant unit.
6. Memberikan informasi dan pengetahuan hukum kepada 6. Providing legal information and knowledge to relevant units
unit-unit terkait secara berkala. on a regular basis.
7. Membantu unit-unit terkait dalam melakukan kajian hukum 7. Assisting relevant units in conducting legal reviews and
dan memberikan opini atas aksi korporasi yang dilakukan providing opinions on the Bank’s corporate actions.
Bank.
Hingga akhir tahun 2025, Permata Bank menghadapi gugatan Until the end of 2025, Permata Bank faces civil lawsuits from
perdata dari debitur atau pihak ketiga lainnya, yang pada debtors or other third parties, which are generally related to the
umumnya terkait dengan eksekusi jaminan oleh Permata Bank execution of collateral by Permata Bank on of debtor debts. None
atas utang debitur. Seluruh permasalahan hukum tersebut tidak of these legal issues are material and do not affect the Bank’s
bersifat material dan tidak memengaruhi status, kedudukan, status, position, business continuity, or financial condition.
kelangsungan kegiatan usaha, maupun kondisi keuangan Bank.
Jumlah Perkara Hukum yang Dihadapi
Number of Legal Cases Faced
Jumlah
Uraian Description
Total
Perkara Hukum Tahun 2024 71 Legal Cases in 2024
Perkara Hukum Tahun 2025 58 Legal Cases in 2025
Selesai Ditindaklanjuti Tahun 2025 67 Settled in 2025
Masih Berjalan (Sampai Akhir 2025) 62 Ongoing (Until the End of 2025)
2025 Sustainability Report PT Bank Permata Tbk. 131
Page 134
Tata Kelola
Keberlanjutan
Sustainability
Governance
Pada tahun 2025, Permata Bank menerima sanksi denda dari In 2025, Permata Bank received a fine from the regulator for non-
regulator terkait ketidakpatuhan dalam pelaporan. Sebagai compliance in reporting. As a follow-up, the Bank conducted a root
tindak lanjut, Bank melakukan analisis akar penyebab untuk cause analysis to identify the underlying factors behind the error.
mengidentifikasi faktor-faktor yang mendasari terjadinya The analysis results formed the basis for developing mitigation
kesalahan tersebut. Hasil analisis menjadi dasar penyusunan measures and improvement plans aimed at strengthening
langkah mitigasi dan rencana perbaikan yang ditujukan reporting quality and preventing potential recurrence of errors.
untuk memperkuat kualitas pelaporan dan mencegah potensi During the reporting period, there were 17 cases resulting in the
kesalahan berulang. Dalam periode pelaporan, terdapat 17 kasus imposition of financial sanctions on the Bank.
yang berdampak pada pengenaan sanksi finansial kepada Bank.
Berikut rincian kasus yang menyebabkan sanksi finansial kepada The following are the details of cases that resulted in financial
bank selama periode pelaporan: sanctions imposed on the Bank during the reporting period:
Rincian Pelanggaran Hukum/Peraturan Jenis Pelanggaran Jumlah kasus
No
Details of Legal/Regulatory Violations Type of Violation Number of cases
1. Pengenaan Sanksi Kewajiban Membayar Atas Koreksi Di Luar Batas Waktu Penyampaian Sanksi Finansial 12
Laporan Bank Umum Terintegrasi (LBUT) Financial Sanctions
Imposition of Sanctions for Mandatory Payments Due to Corrections Submitted Beyond
the Deadline for the Integrated Commercial Bank Report
2. Pengenaan Sanksi Pelaporan Sistem Layanan Informasi Keuangan (SLIK) diluar batas Sanksi Finansial 5
Periode Penyampaian Laporan Debitur dan/atau Koreksi Laporan Debitur Financial Sanctions
Imposition of Sanctions for Financial Information Service System (SLIK) Reporting
Submitted Beyond the Deadline for Debtor Report Submission and/or Correction
Antikorupsi dan Anti-fraud [205-1][2-15]
Anti-corruption and Anti-fraud
Dalam pengelolaan risiko penyuapan dan korupsi, Permata Bank To manage bribery and corruption risks, Permata Bank has
menugaskan Divisi Bribery & Anti-Corruption sebagai fungsi assigned the Bribery & Anti-Corruption Division as the responsible
yang bertanggung jawab. Divisi ini bekerja sama dengan Divisi function. This division collaborates with the Fraud Risk
Fraud Risk Management dalam melakukan pencegahan, deteksi Management Division in detecting and investigating indications
dan investigasi atas indikasi risiko penyuapan dan korupsi. of bribery and corruption risks. If legal follow-up or reporting
Apabila diperlukan tindak lanjut hukum atau pelaporan melalui through the Speak Up mechanism is required, the Bribery &
mekanisme Speak Up, Divisi Bribery & Anti-Corruption melibatkan Anti-Corruption Division involves the Litigation Team and the
Divisi Litigasi serta Divisi Pemantauan & Pelatihan Kepatuhan Compliance Monitoring & Training Team in accordance with
sesuai ketentuan yang berlaku. Bribery risk assessment dilakukan applicable regulations. At Permata Bank, bribery risk assessments
setiap tahun ke seluruh divisi yang ada di Permata Bank. are conducted annually across all divisions. No significant risks
Tidak terdapat risiko signifikan terkait korupsi dan fraud yang related to corruption and fraud have been identified, and all
teridentifikasi, seluruh risiko terkait telah dimitigasi dengan baik. related risks have been adequately mitigated.
Komitmen Permata Bank terhadap penerapan prinsip antikorupsi Permata Bank’s commitment to anti-corruption and anti-bribery
dan antipenyuapan ditunjukkan melalui perolehan sertifikasi principles is demonstrated by its ISO 37001:2016 Anti-Bribery
ISO 37001:2016 Sistem Manajemen Anti Penyuapan (SMAP). Management System (ABMS) certification. This certification
Sertifikasi tersebut didukung oleh penerapan kebijakan dan is supported by the implementation of internal policies and
prosedur internal yang disetujui oleh Direksi, termasuk: procedures approved by the Board of Directors, including:
• Kebijakan Anti Penyuapan • Anti-Bribery Policy
Kebijakan ini bertujuan memberikan panduan pencegahan, This policy provides guidance on the prevention, detection,
deteksi dan penanganan risiko maupun insiden Penyuapan and handling of bribery risks and incidents at Permata Bank.
yang terdapat di Permata Bank.
• Kode Etik Perilaku Karyawan • Employee Code of Conduct
Kebijakan ini sebagai panduan bagi karyawan Permata This policy serves as a guide for Permata Bank employees
Bank dalam bersikap dan bertingkah laku yang sesuai in behaving and conducting themselves in line with moral
dengan prinsip-prinsip moral atau nilai-nilai mengenai hal principles or values regarding what is considered good and
yang dianggap baik dan tidak baik, serta hal-hal yang benar bad, and what is right and wrong.
dan yang tidak benar.
132 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 135
• Kebijakan Benturan Kepentingan • Conflict of Interest Policy
Kebijakan ini untuk mengidentifikasi, mengelola, dan This policy is intended to identify, manage, and mitigate
memitigasi konflik kepentingan baik yang nyata, yang conflicts of interest, whether actual, perceived, or potential.
dirasakan, maupun yang merupakan potensi. Kebijakan ini The policy is communicated to various stakeholders through
disosialisasikan kepada berbagai pemangku kepentingan social media.
melalui media sosial.
• Kebijakan Pemberian Hadiah dan Jamuan • Gifts and Hospitality Policy
Untuk mencegah Karyawan dan Manajemen Permata Bank This policy aims to prevent Permata Bank employees and
menerima dan/atau memberi Hadiah dan Jamuan yang management from receiving and/or providing gifts and
dapat menimbulkan konflik kepentingan, tindakan suap, hospitality that may give rise to conflicts of interest, bribery,
atau suatu pengaruh pengambilan keputusan. or undue influence over decision-making.
• Kebijakan Strategi Anti Fraud • Anti-Fraud Strategy Policy
Kebijakan ini menjadi bagian dari kerangka kerja manajemen This policy is a part of the bank’s risk management framework
risiko bank dan strategi pengendalian untuk mencegah, and mitigation strategy to prevent, detect, identify, and
mendeteksi dan mengidentifikasi serta menindaklanjuti conduct further action on any fraud potential or incidents,
setiap potensi atau insiden fraud termasuk korupsi dan including corruption and bribery.
penyuapan.
Strategi Anti Fraud
Anti-Fraud Strategy
Investigasi, Pelaporan, Pemantauan, Evaluasi,
Pencegahan Deteksi dan Sanksi dan Tindak Lanjut
Prevention Detection Investigation, Reporting, Monitoring, Evaluation,
and Sanctions and Follow up
Peningkatan kesadaran Deteksi dini terhadap Mekanisme pengawasan Perbaikan pada proses dan
anti-fraud sebagai kemungkinan terjadinya dan pemantauan oleh prosedur yang ada dan
bagian dari program fraud, antara lain dilakukan Fraud Oversight Committee sanksi tegas kepada pelaku
pengembangan karyawan. melalui mekanisme surprise (FOC) terkait pelaporan dan fraud untuk mencegah
audit, whistleblowing, penyelesaian kasus fraud terulangnya kembali kasus
Enhancing anti-fraud pemantauan atas signifikan yang terjadi. serupa.
awareness as part of pengaduan nasabah, serta
employee development Fraud Detection System Supervising and monitoring Improving existing
programs. (FDS). the reporting and resolution processes and procedures
of significant fraud cases while enforcing strict
Early detection on potential by the Fraud Oversight penalties on perpetrators
fraud through mechanisms Committee (FOC). to prevent the recurrence of
such as surprise audits, similar cases.
whistleblowing, monitoring
customer complaints, and
the Fraud Detection System
(FDS).
2025 Sustainability Report PT Bank Permata Tbk. 133
Page 136
Tata Kelola
Keberlanjutan
Sustainability
Governance
PELATIHAN ANTIKORUPSI DAN ANTI-FRAUD ANTI-CORRUPTION AND ANTI-FRAUD TRAINING
[205-2] [205-2]
Menyadari potensi dampak finansial yang dapat ditimbulkan oleh Recognizing the potential financial impact that corruption and
korupsi dan fraud, baik secara langsung maupun tidak langsung fraud can have, both directly and indirectly, on the Bank and its
terhadap Bank dan nasabah, Permata Bank menempatkan customers, Permata Bank places fraud risk management as an
pengelolaan risiko fraud sebagai bagian penting dari tata kelola important part of its risk governance. To that end, the Bank has
risiko. Untuk tujuan tersebut, Bank memiliki Divisi Fraud Risk a Fraud Risk Management (FRM) Division that is responsible for
Management (FRM) yang bertanggung jawab untuk menyusun developing effective and efficient anti-fraud strategies to manage
strategi anti fraud secara efektif dan efisien dalam mengelola fraud risk, providing advice and opinions to all units at Permata
risiko fraud, memberikan saran dan pendapat kepada seluruh Bank regarding fraud risk management through, but not limited
unit di Permata Bank mengenai manajemen risiko fraud melalui to, identifying the risk of fraud inherent in every activity that
namun tidak terbatas pada identifikasi risiko terjadinya Fraud could potentially harm the Bank, as well as reporting fraud to the
yang melekat pada setiap aktivitas yang berpotensi merugikan Financial Services Authority.
Bank, serta melakukan pelaporan fraud ke OJK.
Sosialisasi kebijakan antikorupsi, anti-fraud, dan kode etik di Permata Bank’s anti-corruption, anti-fraud, and code of ethics
Permata Bank dilakukan melalui berbagai kanal komunikasi policies are disseminated through various communication
dan pembelajaran, seperti refreshment kode etik, program and learning channels, such as code of ethics refreshers, anti-
kesadaran anti-fraud, roadshow, email blast, desktop wallpaper, fraud awareness programs, roadshows, email blasts, desktop
serta kewajiban e-learning terkait SMAP, anti-fraud awareness, wallpapers, and mandatory e-learning related to the SMAP
dan kode etik. Program ini menjangkau seluruh karyawan, (Standard Assessment System), anti-fraud awareness, and the
termasuk karyawan baru, karyawan tetap, karyawan tidak tetap/ code of ethics. This program reaches to all employees, including
pekerja alih daya. Selain internal, Bank juga menyelenggarakan new hires, permanent employees, and temporary/outsourced
sosialisasi antikorupsi secara offline dan online kepada pihak workers. In addition to internal outreach, the Bank also conducts
ketiga. Sebanyak 49 vendor telah mengikuti sosialisasi tersebut, offline and online anti-corruption outreach to third parties. A total
sebagai bagian dari upaya pencegahan korupsi, dengan of 49 vendors have participated in these outreach programs
ketentuan antikorupsi dan antipenyuapan yang telah dituangkan as part of its corruption prevention efforts, in accordance with
dalam klausul perjanjian kerja sama. the anti-corruption and anti-bribery provisions outlined in the
cooperation agreement.
Permata Bank melaksanakan berbagai program pelatihan Permata Bank is conducting various anti-corruption and anti-
melalui e-learning terkait antikorupsi dan anti-fraud sepanjang fraud training programs throughout 2025, including:
tahun 2025, yang meliputi:
Jumlah Peserta (Orang)
Topik Pelatihan Training Topics
Number of Participants (People)
Kode Etik Perilaku Karyawan 6.205 Employee Code of Ethics
Fraud Awareness 5.703 Fraud Awareness
Sistem Manajemen Anti Penyuapan 5.442 Anti-bribery Management System
Benturan Kepentingan 5.623 Conflict of Interest
INSIDEN KORUPSI TAHUN 2025 [205-3] CORRUPTION INCIDENTS IN 2025 [205-3]
Sepanjang tahun 2025, terdapat 1 kasus korupsi. Permata Bank Throughout 2025, there was one corruption case. Permata Bank
telah menindaklanjuti insiden tersebut secara tegas, termasuk followed up firmly, including by imposing sanctions in the form of
dengan pemberian sanksi berupa pemberhentian. Insiden termination of employment. The incident did not have a significant
tersebut tidak memiliki pengaruh signifikan pada kelangsungan impact on the continuity of the Bank’s business. In addition, there
bisnis bank. Lebih lanjut, tidak terdapat insiden korupsi yang were no corruption incidents involving business partners, and
melibatkan mitra bisnis dan tidak terdapat gugatan kasus no corruption-related lawsuits were filed by the public against
korupsi yang diajukan oleh publik kepada Permata Bank maupun Permata Bank or the Bank’s employees.
karyawan Perusahaan.
134 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 137
Speak-Up [2-16][2-25][2-26][FN-CB-510a.2]
Speak-Up
Permata Bank menyediakan mekanisme Speak-Up sebagai Permata Bank provides a Speak-Up mechanism as a means for
sarana bagi PermataBankers, nasabah, dan pihak ketiga untuk PermataBankers, customers, and third parties to report suspected
melaporkan dugaan pelanggaran dan malpraktik, termasuk fraud violations and malpractice, including fraud and violations of the
maupun pelanggaran kode etik. Bank menjamin kerahasiaan atas code of ethics. The Bank guarantees the confidentiality of every
setiap laporan yang disampaikan melalui Speak-Up, termasuk report submitted through Speak-Up, including protection of the
perlindungan terhadap identitas dan kepentingan seluruh pihak identity and interests of all reporting parties.
pelapor.
Kerahasiaan dan perlindungan pelapor menjadi prinsip utama Confidentiality and protection of reporters are key principles
dalam pengelolaan Speak-Up. Pelaporan tidak memengaruhi in managing Speak-Up. Reports do not impact the reporter’s
penilaian kinerja maupun perjalanan karier pelapor, dan hanya performance assessment or career path, and are only known to
diketahui oleh pihak yang berwenang, yaitu Administrator Speak- authorized parties: the Speak-Up Administrator, the Speak-Up PIC,
Up, PIC Speak-Up, dan Speak-Up Council. Setiap laporan dicatat and the Speak-Up Council. Each report is recorded by the Speak-
oleh Administrator Speak-Up dalam register dan dikategorikan ke Up Administrator in a register and categorized as suspected fraud,
dalam dugaan fraud, pelanggaran kode etik, atau laporan umum violation of the code of ethics, or other general reports, including
lainnya, termasuk keluhan dan saran. complaints and suggestions.
Dua dari tiga saluran Speak Up yang dimiliki oleh Permata Bank Two of Permata Bank’s three Speak-Up channels, namely the
yaitu formulir elektronik yang terdapat dalam situs web Permata electronic form available on the Permata Bank website and the
Bank dan nomor telepon, selain dapat digunakan oleh Karyawan dedicated phone number, can be used not only by Permata Bank
Permata Bank, dapat juga digunakan oleh Nasabah maupun employees but also by customers and other third parties to submit
Pihak Ketiga lainnya untuk menyampaikan laporan perihal reports regarding potential, planned, or actual violations.
potensi, rencana, atau tindakan pelanggaran.
Secara lengkap, berikut ini adalah saluran-saluran Speak Up The Speak-Up channels are as follows:
yang dapat digunakan:
1. E-mail: speak.up@permatabank.co.id 1. Email: speak.up@permatabank.co.id
2. Telepon/SMS/Whatsapp: +62811-20500-111 2. Phone/SMS/WhatsApp: +62811-20500-111
3. Formulir elektronik di situs web PermataBank: 3. Online form on the Permata Bank website:
https://www.permatabank.com/id/tentang-kami/tata- https://www.permatabank.com/id/tentang-kami/tata-
kelola-perusahaan#!/Sistem-Whistleblowing-("Speak- kelola-perusahaan#!/Sistem-Whistleblowing-("Speak-
Up" Up"
Laporan Pelanggaran yang Diterima
Violation Reports Received
Status Laporan 2025 2024 2023 Report Status
Laporan yang tidak diteruskan untuk 2 0 1 Reports not forwarded for investigation (Pre-
diinvestigasi (Pre-CLOSED) CLOSED)
Laporan yang diteruskan untuk diinvestigasi 17 14 18 Reports forwarded for investigation
a. Laporan yang telah selesai diinvestigasi 10 14 18 a. Reports for which the investigation has been
(status CLOSED) completed (CLOSED status)
b. Laporan yang belum selesai diinvestigasi 7 0 0 b. Reports for which the investigation is still
(status OPEN) ongoing (OPEN status)
Total laporan yang diterima 19 14 19 Total reports received
2025 Sustainability Report PT Bank Permata Tbk. 135
Page 138
Tata Kelola
Keberlanjutan
Sustainability
Governance
Permasalahan Penerapan
Keuangan Berkelanjutan [E.5]
Issues in Sustainable Finance Implementation
Implementasi keuangan berkelanjutan di Permata Bank The implementation of sustainable finance at Permata Bank takes
berlangsung dalam lanskap regulasi dan kondisi eksternal place within a constantly changing regulatory landscape and
yang terus berubah. Perkembangan ketentuan, serta dinamika external conditions. Evolving regulations, as well as economic,
ekonomi, sosial, dan lingkungan, turut membentuk tantangan social, and environmental dynamics, contribute to shaping the
yang dihadapi Bank. Selama tahun 2025, Bank menghadapi challenges the Bank faces. Throughout 2025, the Bank faces
sejumlah tantangan utama, antara lain: several key challenges, including:
• Peningkatan transaksi digital menambah eksposur Bank • The growing volume of digital transactions can increase the
terhadap berbagai risiko keamanan informasi, sehingga Bank’s exposure to information security risks, thereby it is
diperlukan penguatan kontrol internal untuk melindungi data necessary to strengthen internal controls to protect Bank and
Bank dan nasabah dari potensi ancaman siber; customer data from potential cyber threats;
• Masih terbatasnya pemahaman nasabah terkait praktik • Limited customer awareness of secure digital transaction
transaksi digital yang aman meningkatkan risiko terjadinya practices can increase the risk of personal data breaches;
kebocoran data pribadi;
• Pemahaman mengenai prinsip keuangan berkelanjutan dan • The level of understanding regarding sustainable finance
aspek Lingkungan, Sosial, dan Tata Kelola (LST) yang belum principles and Environmental, Social, and Governance
merata di antara karyawan maupun nasabah; (ESG) aspects remains uneven among both employees and
customers;
• Kapasitas internal dalam memahami dan menilai dokumen • Internal capacity to interpret and assess environmental
lingkungan serta risiko iklim sebagai bagian dari persyaratan documentation and climate-related risks, as part of Bank’s
pemberian kredit masih terbatas; credit underwriting requirements, remains limited;
• Persepsi bisnis berkelanjutan yang masih terbatas • Limited perception of sustainable business profitability in
terhadap profitabilitas jangka pendek dari seluruh lini the short-term among stakeholders can potentially slow the
pemangku kepentingan dapat berdampak pada lambatnya growth of sustainable financing portfolio.
pertumbuhan portofolio berkelanjutan.
136 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 139
Peluang dalam Penerapan Keuangan Berkelanjutan
Opportunities in Implementing Sustainable Finance
Di tengah perubahan regulasi serta dinamika ekonomi, sosial, dan Amid regulatory changes and economic, social, and environmental
lingkungan, Permata Bank melihat peluang untuk memperkuat dynamics, Permata Bank sees opportunities to strengthen
pertumbuhan bisnis melalui inovasi produk dan layanan yang business growth through product and service innovation that
mendukung keuangan berkelanjutan. Pendekatan ini membuka supports sustainable finance. This approach opens up the
potensi pengembangan layanan yang lebih inklusif dan potential for developing more inclusive and environmentally
berwawasan lingkungan. Adapun peluang yang teridentifikasi conscious services. Opportunities identified throughout 2025
sepanjang tahun 2025 antara lain: include:
• Bertumbuhnya industri/bisnis yang masuk dalam kategori • As more industries and businesses fall within the Sustainable
Kegiatan Usaha Berkelanjutan, portofolio pembiayaan Business Activities category, Permata Bank’s sustainable
berkelanjutan di Permata Bank turut meningkat; financing portfolio increased accordingly;
• Membantu memberikan solusi bagi nasabah yang hendak • Helping provide solutions for customers who want to
melakukan transisi menuju bisnis yang lebih berkelanjutan, transition to a more sustainable business, as part of the
sebagai bagian dari climate change opportunity; climate change opportunity;
• Penyediaan akses keuangan bagi berbagai lapisan • Access to financial services across different segments
masyarakat, termasuk kelompok unbankable, terus dijaga of society, including the unbankable, continued to be
melalui implementasi program inklusi keuangan dan supported through financial inclusion programs and banking
digitalisasi perbankan; digitalization;
• Peningkatan portfolio berkelanjutan dapat memperbesar • Growth in the sustainable portfolio may increase the
peluang insentif regulator yang diterima oleh Bank, misalnya Bank’s eligibility for regulatory incentives, such as reserve
pada insentif Giro Wajib Minimum (GWM) sehingga Bank requirement incentives, enabling the Bank to further expand
dapat meningkatkan penetrasi untuk mengembangkan a high-quality financial asset portfolio; and
portofolio aset keuangan yang berkualitas tinggi; dan
• Portofolio aset yang berkualitas tinggi dapat meningkatkan • A higher-quality asset portfolio may improve the Bank’s
profitabilitas Bank. Khusus di Unit Usaha Syariah (UUS), profitability. In particular, within the Sharia Business Unit
peningkatan profitabilitas dapat meningkatkan Dana Zakat (SBU), improved profitability may increase zakat funds
yang akan dikelola untuk kepentingan umat dan masyarakat managed for beneficiaries in accordance with zakat eligibility
umum sesuai kriteria penerima zakat sehingga turut criteria, thereby contributing to sustainable economic and
berkontribusi terhadap pertumbuhan ekonomi dan sosial social development.
secara berkelanjutan.
2025 Sustainability Report PT Bank Permata Tbk. 137
Page 140
Tata Kelola
Keberlanjutan
Sustainability
Governance
Tantangan dan Perkembangan dari
Penerapan Tata Kelola Berkelanjutan
Challenges and Progress in Implementing Sustainable Governance
Perkembangan kerangka regulasi keuangan berkelanjutan The development of the sustainable finance regulatory
di Indonesia menunjukkan percepatan yang signifikan dalam framework in Indonesia has shown significant acceleration in
beberapa tahun terakhir. Melalui penerbitan Taksonomi untuk recent years. With the issuance of the Taxonomy for Sustainable
Keuangan Berkelanjutan Indonesia (TKBI) Edisi 2 pada tahun Finance Indonesia (TKBI) Edition 2 in 2025, the Financial Services
2025, OJK memperluas cakupan aktivitas ekonomi berkelanjutan Authority expanded the scope of sustainable economic activities
dengan menambahkan sektor transportasi dan pergudangan, by adding the transportation and warehousing, construction and
konstruksi dan real estat, serta sektor AFOLU, termasuk real estate, and AFOLU sectors, including forestry and palm oil
kehutanan dan perkebunan kelapa sawit. Perluasan taksonomi ini plantations. This taxonomy expansion increases the complexity
meningkatkan kompleksitas penerapan tata kelola berkelanjutan of implementing sustainable governance for the banking industry,
bagi industri perbankan, karena bank dituntut untuk melakukan as banks are required to classify financing more granularly and
klasifikasi pembiayaan secara lebih granular dan memastikan ensure alignment of credit portfolios with broader and more
keselarasan portofolio kredit dengan kriteria keberlanjutan yang detailed sustainability criteria.
semakin luas dan detail.
Sejalan dengan perkembangan tersebut, industri perbankan In line with these developments, the banking industry faces
menghadapi tantangan dalam memperkuat tata kelola internal, challenges in strengthening internal governance, particularly
khususnya terkait kesiapan data, sistem pelaporan, dan kapasitas in relation to data readiness, reporting systems, and human
sumber daya manusia. Tantangan ini semakin meningkat capital capacity. These challenges are further intensified by the
dengan adanya rencana penerapan Standar Pengungkapan planned implementation of the national Sustainability Disclosure
Keberlanjutan (SPK) nasional yang mengadopsi IFRS S1 dan Standards, which adopt IFRS S1 and IFRS S2 and are expected
IFRS S2, yang diperkirakan berlaku efektif mulai 1 Januari 2027. to become effective from 1 January 2027. The standards require
Standar ini menuntut keterbukaan yang lebih tinggi atas risiko enhanced transparency on sustainability-related risks and
dan peluang keberlanjutan, termasuk Risiko Iklim, strategi transisi, opportunities, including Climate Risk, transition strategies, and
serta pengaruhnya terhadap kinerja dan posisi keuangan Bank. their impact on the Bank’s performance and financial position.
Permata Bank memandang bahwa keseluruhan dinamika Permata Bank views these developments as requiring adjustments
tersebut memerlukan penyesuaian tata kelola pelaporan, to reporting governance, stronger cross-functional integration,
integrasi lintas fungsi, serta penguatan pengawasan oleh Direksi and enhanced oversight by the Board of Directors and the Board
dan Dewan Komisaris. of Commissioners.
138 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 141
Di sisi lain, tantangan juga muncul dari masih rendahnya At the same time, an additional challenge arises from relatively low
tingkat pemahaman dan kesadaran pasar terhadap isu dan market awareness of sustainability issues and disclosures. This
pengungkapan keberlanjutan. Kondisi ini berpotensi menimbulkan may create an expectation gap between increasingly stringent
kesenjangan ekspektasi antara kebutuhan transparansi yang regulatory transparency requirements and stakeholders’ level
semakin meningkat secara regulasi dengan tingkat apresiasi of understanding and appreciation of sustainability information
dan pemahaman pemangku kepentingan terhadap informasi disclosed by banks. Accordingly, beyond strengthening
keberlanjutan yang disampaikan. Oleh karena itu, selain governance and internal readiness, there is also a need to
memperkuat aspek tata kelola dan kesiapan internal, diperlukan enhance stakeholder literacy and communication to ensure
pula upaya peningkatan literasi dan komunikasi yang efektif that the implementation of the disclosure standards delivers
kepada pemangku kepentingan agar implementasi standar meaningful value.
pengungkapan dapat memberikan nilai yang optimal.
Dalam menghadapi perubahan regulasi dan meningkatnya In response to regulatory changes and increasing stakeholder
ekspektasi pemangku kepentingan, Permata Bank melakukan expectations, Permata Bank has adjusted its policies, procedures,
penyesuaian kebijakan, prosedur, serta kerangka tata kelola dan and governance and risk management framework to align with
manajemen risiko agar selaras dengan regulasi terkini. Selain current regulations. In addition to strengthening its governance
penguatan kerangka tata kelola, Bank juga mengintegrasikan framework, the Bank has also integrated the identification of
identifikasi tantangan dan langkah perbaikan penerapan challenges and improvement measures for the implementation
Keuangan Berkelanjutan ke dalam Rencana Aksi Keuangan of Sustainable Finance into its Sustainable Finance Action Plan,
Berkelanjutan (RAKB) yang disusun dan dievaluasi setiap tahun. which is prepared and annually evaluated. The Sustainable
RAKB berfungsi sebagai panduan implementasi dan pemantauan Finance Action Plan serves as a guide for the implementation
atas inisiatif keuangan berkelanjutan Bank. Informasi lebih and monitoring of the Bank’s sustainable finance initiatives. More
lengkap mengenai RAKB Permata Bank dapat dilihat pada complete information about Permata Bank’s Sustainable Finance
halaman 38-41. Action Plan can be found on page 38-41.
2025 Sustainability Report PT Bank Permata Tbk. 139
Page 142
Lampiran Appendix
Page 143
Page 144
Independent Assurance Statement
The 2025 Sustainability Report of PT Bank Permata Tbk
Number : 03/000-758/II/2026/SRAI
Assurance Type : Type 1 and Type 2 for the specific topic of Product and Data Security, and
Customer Privacy; and Environmental Management and Climate Change.
Assurance Level : Moderate
Reporting Standards : GRI Universal Standard 2021 Consolidated, Sustainability Accounting
Standard Board (SASB) Financial Sector Commercial Banking, Early adoption
of International Financial Reporting Standards (IFRS) S1: General
Requirements for Disclosure of Financial Information Related to
Sustainability; and IFRS S2: Climate-Related Disclosures
Reporting Regulation : Otoritas Jasa Keuangan Regulation (POJK) Number 51/POJK.03/2017 and
SEOJK No. 16/SEOJK.04/2021
Dear stakeholders,
PT Sejahtera Rambah Asia or “SRAI” is issuing an Independent Assurance Statement (“the
Statement”) of the 2025 Sustainability Report (“the Report”) of PT Bank Permata Tbk (“the
Company”). The Company is a commercial bank listed in Indonesia Stock Exchange (IDX). The Report
presents the commitment and efforts of the Company in managing its sustainability performance for
the reporting period of January 1st to December 31st, 2025. As agreed with Management, SRAI’s
responsibility is to make an assessment based on the data and content of the Report for the year.
Intended User and Purpose
The purpose of the Statement is to present our opinion including the findings and recommendations
based on the results of assurance work to the Company’s stakeholders. The assuror team in accordance
with specific procedures and a specific scope of work carried out the assessment. Except for the areas
covered in the scope of the assurance, we encourage all NOT to solely interpret the Statement as the
basis to conclude the Company’s overall sustainability performance.
Responsibilities
Our obligations to the Management involve assessing the Report’s content, generating findings, and
recommendations, and issuing a Statement. Additionally, we are tasked with establishing conclusions
and recommendations according to agreed-upon standards, methods, and approaches. Consequently,
SRAI’s evaluation is solely based on the most recent editorial and data received as of February 20th,
2026, regarding the final draft. SRAI’s responsibility lies solely in providing assurance work, distinct
from an audit, in accordance with the Non-Disclosure Agreement, the Assurance Engagement
Agreement, Representation Letter, and Subsequent Event Testing. Management bears the sole
responsibility for presenting data, information, and disclosures within the Report. Therefore, any
parties relying on the Report and Statement must assume and manage their own risk.
Independence, Impartiality, and Competency
SRAI confirms NO relationships between the assuror team and the clients that can influence their
independence and impartiality to conduct the assessment and generate the Statements. The assuror
team is mandated to follow a particular assurance protocol and professional ethical code of conduct
to ensure their objectivity and integrity. We carried out a pre-engagement assessment before the
assurance work was taken to verify the risks of engagement as well as the independence and
SRAI Independent Assurance Statement, version 2026, page 1 of 4
Page 145
impartiality of the team. The assuror team members have knowledge of ISO 26000, AA1000
AccountAbility standards and principles, and also have experience in sustainability report assessment
based on various reporting regulations.
Type and Level of Assurance Service
1. Type 1 assurance on the Report content.
2. Type 2 on Product and Data Security, and Customer Privacy; and Environmental Management and
Climate Change.
3. A moderate level of assurance to the procedure on the Report content and evidence, where the
risks of information and conclusions of the Report being error is reduced, but not to very low, but
not zero.
Scope and Limitation of Assurance Service
1. Data and information in the Report for the period of January 1st to December 31st, 2025.
2. Material topics presented in the Report: Product and Data Security, and Customer Privacy;
Sustainable Finance Product Innovation and Technology Development; Environmental
Management and Climate Change; Financial Literacy; and Employee Training and Development.
3. Evaluation of publicly disclosed information, system, and process of the Company to ensure
adherence of the Report content to the reporting principles.
4. SRAI does NOT include financial data, information, and figures in the Report content. We assumed
that the Company, independent parties, or other parties associated with the Company have
verified and/or audited financial statements, data, and information.
5. Adherence to the following reporting principles, standards, and regulations:
a) Regulation of Otoritas Jasa Keuangan (OJK) No.51/POJK.03/2017 regarding the
Implementation of Sustainable Finance for Financial Service Institution, Listed, and Public
Companies (POJK 51) with reference to OJK Circular Letter (SEOJK) 2022 No.16/SEOJK.04/2021
b) Consolidated set of GRI Sustainability Reporting Standards 2021 (GRI Universal Standards).
c) Sustainability Accounting Standard Board – Commercial Banks.
d) Early adoption of International Financial Reporting Standards (IFRS) S1: General Requirements
for Disclosure of Financial Information Related to Sustainability; and IFRS S2: Climate-Related
Disclosures.
Exclusion
1. The expression of opinion, belief, expectation, advertisement, and also forward-looking
statements, including future planning of the Company as specified in the Report content.
2. Analysis or assessment against regulations, principles, standards, guidelines, and indicators other
than those indicated in the Statement.
3. Topics, data, and information outside the reporting period, or in the public domain not covered
in the reporting period.
4. Financial performance data and information as presented in the Company’s financial statements
and documents, other than those mentioned in the Report.
Methodology and Source Disclosure
1. Form an Assuror Team whose members are capable in sustainability report development and
assurance.
2. Perform the pre-engagement phase to ensure the independence and impartiality of the Assuror
Team.
SRAI Independent Assurance Statement, version 2026, page 2 of 4
Page 146
3. Hold a kick-off meeting and initial analysis of the Report draft based on the SRAI Protocol on
Assurance Analysis refers to the standards, principles, and indicators of AA1000AS v3, AA1000APS
(2018), and standards/regulations used in the Report.
4. Discuss online the results of the analysis with the Management and data contributors.
5. Verify evidence and trace data and information as covered in the Report.
6. Conducted the On-Site Engagement (OSE) through direct interviews with both internal and
external stakeholders.
7. The Company incorporated our recommendations in the draft Report and released the final Report
content.
8. Prepare the Statement and send it to AA1000 AccountAbility for review to get approval before
submitting it to the Company.
9. Prepare a Management Letter detailing all aspects seen, recorded, and observed during the
assurance work to the Management of the Company for further improvement of sustainability
processes.
Adherence to AA1000AP (2018) and GRI Universal Standards
Inclusivity – The Company has involved a limited number of internal stakeholders with consultants in
determining material topics by conducting Focus Group Discussions (FGDs). Furthermore, the
Company also involves each division in the material topic selection procedure. In the next period, the
Company is expected to involve external stakeholders, as well as consider the risks, opportunities, and
negative and positive impacts of the Company's business by looking at the interests of stakeholders
and shareholders.
Materiality – Approach to determining material topics, the Company has used the Double Materiality
Approach (DMA) and has already explained the measurement of impact materiality and financial
materiality in the report. However, the Company is expected to consider short-term, medium-term,
and long-term perspectives. Furthermore, for the next period, the Company is expected to determine
this when planning the budget, to accommodate interests in the budget, the Company's actual actions,
and reporting.
Responsiveness – The Company has responded to the needs, issues, concerns, and expectations of
stakeholders through Speak Up, a complaint channel accessible to internal and external stakeholders.
Monitoring is also carried out in relation to complaints received from customers, related to the
detection of significant issues.
Impact – The Company has measured, assessed, and managed its impacts reasonably well in
accordance with materiality and has described the level of impact materiality (positive and negative)
and the level of financial materiality (risk and opportunity) in the report. Furthermore, the Company is
expected to be able to identify more thoroughly the impacts arising from the performance of each
material topic.
Statement of Use: “with Reference to the GRI Standards” – Our experts evaluated the Report content
against the GRI Universal Standards principles, disclosures, and requirements for reporting. We believe
the Report has fulfilled the requirements of its statement of use; publish a GRI Content Index, provide
a statement of use, and notify GRI.
On Site Engagement: On-Site Engagement (OSE) is one of the procedures we conduct to assess the
Company's compliance with the AA1000 Principles (Inclusion, Materiality, Responsiveness, and
SRAI Independent Assurance Statement, version 2026, page 3 of 4
Page 147
Impact), based on a sample of material topics and significant stakeholders. Based on the OSE that has
been conducted, we conclude that the Company has generally implemented the process adequately,
covering the aspects of Inclusion, Materiality, Responsiveness, and Impact that have been described
in the report and applied in its engagement with stakeholders.
GRI Standards Principles – As the assurance work was taken, the report content sufficiently indicates
its adherence to the Reporting principles (accuracy, balance, clarity, comparability, completeness,
sustainability context, timeliness, and verifiability). The Management provided sufficient support
during the assurance work by submitting evidence/documents as requested.
Type 2 Assurance – SRAI verifies the topic of Product and Data Security, and Customer Privacy, the
Company has established internal data security policies approved by the Board of Directors, with
regular reporting and monthly quality control meetings. To identify system vulnerabilities, the
Company uses regular assessment forms accessible to customers. It also utilizes cyber threat
intelligence tools to monitor data leaks and map threat patterns. The Company is currently exploring
the use of AI and is expected to implement it to enhance service delivery and improve communication
of products and services to customers. Regarding Environmental Management and Climate Change,
the Company is still developing its Climate Risk Management Stress Test (CRMS), with initial testing
conducted using proxy data. In the coming year, it plans to focus on collecting financed Greenhouse
Gases (GHG) emissions data by preparing tools to obtain more accurate information. Additionally,
Scope 1 and Scope 2 emission calculations have not been externally verified, and portfolio monitoring
is conducted monthly by the risk team and reported to management.
Recommendation
1. To widen its perspective on materiality, the Company can involve external stakeholders in the
process of determining material topics, enabling the Company to capture external perspectives
and issues of concern.
2. For the selection of material topics in the next period, the Company can be identified during the
budget planning stage to ensure more effective prioritization in budgeting decisions, activity
planning, and reporting processes.
3. The Company is expected to implement AI in its business activities, both externally to help
customers obtain information, and internally to help the Company provide product and service
information to customers.
The assurance provider,
Jakarta, February 20th 2026
Dr. Lim Hendra, LCSAP
Assurance Director
PT Sejahtera Rambah Asia
(SRAI)
SRAI Independent Assurance Statement, version 2026, page 4 of 4
Page 148
Peraturan Otoritas Jasa Keuangan (POJK)
Nomor 51/POJK.03/2017 – Surat Edaran
Otoritas Jasa Keuangan (SEOJK) Nomor 16/
SEOJK.04/2021 [G.4]
Financial Services Authority Regulation (POJK) Number 51/POJK.03/2017
– Financial Services Authority Circular Letter (SEOJK) Number 16/
SEOJK.04/2021
Uraian Halaman
No.
Description Page(s)
Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan 24
Explanation of Sustainability Strategy
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Performance Highlights
B.1 Aspek Ekonomi 4
Economic Aspects
B.2 Aspek Lingkungan Hidup 5
Environmental Aspects
B.3 Aspek Sosial 5
Social Aspects
Profil Perusahaan
Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan 25
Vision, Mission, and Sustainability Values
C.2 Alamat Perusahaan 22
Company Address
C.3 Skala Usaha 23
Business Scale
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 22, 28
Products, Services, and Business Activity
C.5 Keanggotaan pada Asosiasi 7
Membership of Association
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan 28
Significant Changes in Issuers and Public Companies
Penjelasan Direksi
Board of Director Statement
D.1 Penjelasan Direksi 10
Board of Director Statement
Tata Kelola Keberlanjutan
Sustainability Governance
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan 116
Responsible Party related to Sustainable Finance Implementation
E.2 Pengembangan Kompetensi terkait Keuangan Berkelanjutan 119
Competency Development related to Sustainable Finance
E.3 Penilaian Risiko atas Penerapan Keuangan Berkelanjutan 121
Risk Assessment for the Application of Sustainable Finance
146 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 149
Uraian Halaman
No.
Description Page(s)
E.4 Hubungan dengan Pemangku Kepentingan 29
Stakeholder Engagement
E.5 Permasalahan terhadap Penerapan Keuangan Berkelanjutan 136
Problems Encountered on Sustainable Finance
Kinerja Keberlanjutan
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan 27
Building a Sustainability Culture
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba Rugi 35-36
Comparison of Targets and Production Performance, Portfolio, Financing Targets, or Investments, Income as Well as Profit
and Loss
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau Proyek 42-43
yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Target and Portfolio Performance, Financing Targets, or Investments in Financial Instruments or Projects
That are in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspects
F.4 Biaya Lingkungan Hidup 51
Environmental Costs
Aspek Material
Material Aspects
F.5 Penggunaan Material yang Ramah Lingkungan 52,55
Usage of Environmentally Friendly Materials
Aspek Energi
Energy Aspects
F.6 Jumlah dan Intensitas Energi yang Digunakan 57
Amount and Intensity of Energy Consumed
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 58
Efforts and Achievement for Energy Efficiency and Renewable Energy Usage
Aspek Air
Water Aspects
F.8 Penggunaan Air 53
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspects
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman 55,103
Hayati
Impacts from Operational Areas that are Near or Located in Conservation Areas or Have Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati 55, 103
Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspects
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 57
Amount and Intensity of Emissions Generated by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 58,122
Efforts and Achievements Made for Emission Reduction
Aspek Limbah dan Efluen
Waste and Effluent Aspects
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 55
Amount of Waste and Effluent Generated by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen 53-54
Waste and Effluent Management Mechanism
F.15 Tumpahan yang Terjadi (jika ada) 54
Occurring Spills (if any)
Aspek Pengaduan terkait Lingkungan Hidup
Complaints Related to the Environment Aspects
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 92
Amount and Material of Environmental Complaints Received and Resolved
2025 Sustainability Report PT Bank Permata Tbk. 147
Page 150
Uraian Halaman
No.
Description Page(s)
Kinerja Sosial
Social Performance
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen 83
Commitment to Provide Services on Equal Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspects
F.18 Kesetaraan Kesempatan Bekerja 66,70
Equal Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 67
Child Labor And Forced Labor
F.20 Upah Minimum Regional 68
Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman 75
A Decent and Safe Work Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 70
Training and Development of Employee Skills
Aspek Masyarakat
Community Aspects
F.23 Dampak Operasi terhadap Masyarakat Sekitar 93
Operations Impacts on Surrounding Communities
F.24 Pengaduan Masyarakat 90
Community Complaints
F.25 Kegiatan Tanggung Jawab Sosial dan Lingkungan (TJSL) 93
Corporate Social Responsibility (CSR) Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 82
Innovation and Development of Sustainable Finance Products/Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 84
Products and Services that the Safety have been Evaluated for Customers
F.28 Dampak Produk/Jasa 83
Products/Services Impacts
F.29 Jumlah Produk yang Ditarik Kembali 84
The Number of Products Withdrawn
F.30 Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 92
Customer Satisfaction Survey of Sustainable Finance Products and/or Services
Lain-lain
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada) 16
Written Verification from Independent Parties (if any)
G.2 Lembar Umpan Balik 155
Feedback Form
G.3 Tanggapan terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 17
Responses to Previous Year's Sustainability Report Feedback
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang Penerapan Keuangan 146
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
List of Disclosures According to Financial Services Authority Regulation Number 51/POJK.03/2017 concerning
Implementation of Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies
148 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 151
Indeks Isi
Standar GRI
GRI Standards Content Index
Pernyataan Penggunaan PT Bank Permata Tbk telah melaporkan informasi yang dikutip pada indeks konten GRI untuk periode 1 Januari
Statement of Use hingga 31 Desember 2025 dengan merujuk kepada Standar GRI.
PT Bank Permata Tbk has reported the information cited in this GRI content index for the period January 1 to 31
December 2025 with reference to the GRI Standards.
GRI 1 Digunakan GRI 1: Landasan 2021
GRI 1 Used GRI 1: Foundation 2021
Standar GRI Indikator Pengungkapan Lokasi
GRI Standards Indicator Disclosure Location
Pengungkapan Umum
General Disclosures
GRI 2: 2-1 Detail organisasi 22
Pengungkapan Umum 2021 Organizational details
General Disclosures 2021
2-2 Entitas pada pelaporan keberlanjutan organisasi 16
Entities included in the organization’s sustainability reporting
2-3 Periode pelaporan, frekuensi, dan kontak 16
Reporting period, frequency, and contact point
2-4 Pengungkapan kembali informasi 16
Restatements of information
2-5 Penjaminan eksternal 16
External assurance
2-6 Aktivitas, rantai nilai, dan hubungan bisnis lainnya 28
Activities, value chain, and other business relationships
2-7 Karyawan 62
Employees
2-8 Pekerja bukan karyawan 62
Workers who are not employees
2-9 Struktur dan komposisi tata kelola 112
Governance structure and composition
2-10 Nominasi dan seleksi badan tata kelola tertinggi 114
Nomination and selection of the highest governance body
2-11 Kepala badan tata kelola tertinggi 114
Chair of the highest governance body
2-12 Peran badan kelola tertinggi dalam mengawasi dampak manajemen 112
Role of the highest governance body in overseeing the management of
impacts
2-13 Delegasi tanggung jawab untuk pengelolaan dampak 112, 116, 122
Delegation of responsibility for managing impacts
2-14 Peran badan tata kelola tertinggi dalam pelaporan keberlanjutan 116
Role of the highest governance body in sustainability reporting
2-15 Konflik kepentingan 132
Conflicts of interest
2-16 Komunikasi masalah penting 71, 135
Communication of critical concerns
2-17 Pengetahuan kolektif badan tata kelola tertinggi 119
Collective knowledge of the highest governance body
2-18 Evaluasi kinerja badan tata kelola tertinggi 114
Evaluation of the performance of the highest governance body
2-19 Kebijakan remunerasi 114, 119
Remuneration policies
2025 Sustainability Report PT Bank Permata Tbk. 149
Page 152
Standar GRI Indikator Pengungkapan Lokasi
GRI Standards Indicator Disclosure Location
2-20 Proses penetapan remunerasi 114
Process to determine remuneration
2-21 Rasio total kompensasi tahunan 114
Annual total compensation ratio
2-22 Pernyataan strategi pengembangan keberlanjutan 10, 24
Statement on sustainable development strategy
2-23 Komitmen kebijakan 112
Policy commitments
2-24 Penanaman komitmen kebijakan 112
Embedding policy commitments
2-25 Proses pemulihan dampak negatif 90, 135
Processes to remediate negative impacts
2-26 Mekanisme pencarian saran dan penyampaian kekhawatiran 69, 90, 135
Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan pada hukum dan regulasi 130
Compliance with laws and regulations
2-28 Keanggotaan dalam asosiasi 7
Membership associations
2-29 Pelibatan pemangku kepentingan 29
Approach to stakeholder engagement
2-30 Perjanjian perundingan bersama 67
Collective bargaining agreements
Topik Material
Material Topics
GRI 3: 3-1 Proses penentuan topik material 18
Topik Material 2021 Process to determine material topics
Material Topics 2021
3-2 Daftar topik material 18
List of material topics
3-3 Pengelolaan topik material 21
Management of material topics
GRI 203: 201-1 Nilai ekonomi langsung yang dihasilkan dan didistribusikan 34
Dampak Ekonomi Tidak Direct economic value generated and distributed
Langsung 2016
Indirect Economic Impacts 2016 201-2 Implikasi finansial akibat perubahan iklim 122
Financial implications due to climate change
201-3 Kewajiban program pensiun manfaat pasti dan program pensiun lainnya 74
Defined benefit plan obligations and other retirement plans
201-4 Bantuan finansial yang diterima dari pemerintah 34
Financial assistance received from government
GRI 204: 204-1 Proporsi pengeluaran untuk pemasok lokal 80
Praktik Pengadaan 2016 Proportion of spending on local suppliers
Procurement Practices 2016
GRI 205: 205-1 Penilaian terhadap kegiatan yang berisiko terjadi korupsi 132
Antikorupsi 2016 Operations assessed for risks related to corruption
Anti-corruption 2016
205-2 Komunikasi dan pelatihan tentang kebijakan dan prosedur antikorupsi 134
Communication and training about anti-corruption policies and procedures
205-3 Insiden korupsi dan tindakan yang diambil 134
Confirmed incidents of corruption and actions taken
GRI 302: 302-1 Konsumsi energi dalam organisasi 57
Energi 2016 Energy consumption in the organization
Energy 2016
302-2 Konsumsi energi di luar organisasi 57
Energy consumption outside of the organization
302-3 Intensitas energi 57
Energy intensity
302-4 Pengurangan konsumsi energi 58
Reduction of energy consumption
302-5 Pengurangan pada energi yang dibutuhkan untuk produk dan jasa 58
Reductions in energy requirements of products and services
150 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 153
Standar GRI Indikator Pengungkapan Lokasi
GRI Standards Indicator Disclosure Location
GRI 303: 303-1 Interaksi dengan air sebagai sumber daya bersama 53
Air dan Efluen 2018 Interactions with water as a shared resource
Water and Effluents 2018
303-2 Manajemen dampak yang berkaitan dengan pembuangan air 53
Management of water discharge-related impacts
303-4 Pembuangan air 53
Water discharge
303-5 Konsumsi air 53
Water consumption
GRI 304: 304-1 Lahan operasi berdekatan dengan kawasan lindung dan memiliki nilai 55, 103
Keanekaragaman Hayati 2016 keanekaragaman hayati tinggi
Biodiversity 2016 Operation sites adjacent to protected areas and areas of high biodiversity
value
304-3 Habitat yang dilindungi atau direstorasi 103
Habitats protected or restored
GRI 305: 305-1 Emisi GRK (cakupan 1) langsung 57
Emisi 2016 Direct (scope 1) GHG emissions
Emission 2016
305-2 Emisi energi GRK (cakupan 2) tidak langsung 57
Energy indirect (scope 2) GHG emissions
305-3 Emisi GRK (Cakupan 3) tidak langsung lainnya 57
Other indirect (Scope 3) GHG emissions
305-4 Intensitas emisi GRK 57
GHG emissions intensity
305-5 Pengurangan emisi GRK 57
Reduction of GHG emissions
305-6 Emisi zat perusak ozon (ODS) 56
Emissions of ozone-depleting substances (ODS)
305-7 Nitrogen oksida (NOx), belerang oksida (SOx), dan emisi udara signifikan 56
lainnya
Nitrogen oxides (NOx), sulfur oxides (SOx), and other significant air emissions
GRI 306: 306-1 Timbulan limbah dan dampak signifikan terkait limbah 54
Limbah 2020 Waste generation and significant waste-related impacts
Waste 2020
306-2 Manajemen dampak signifikan terkait limbah 54
Management of significant waste related impacts
306-3 Timbulan limbah 55
Waste generated
306-4 Limbah yang dialihkan dari pembuangan akhir 55
Waste diverted from disposal
306-5 Limbah yang dikirimkan ke pembuangan akhir 55
Waste directed to disposal
GRI 401: 401-1 Perekrutan karyawan baru dan pergantian karyawan 64
Kepegawaian 2016 New employee hires and employee turnover
Employment 2016
401-2 Tunjangan yang diberikan kepada karyawan purnawaktu yang tidak 68, 70
diberikan kepada karyawan pada kurun waktu tertentu atau paruh waktu
Benefits provided to full-time employees that are not provided to temporary
or part-time employees
401-3 Cuti melahirkan 69
Parental leave
2025 Sustainability Report PT Bank Permata Tbk. 151
Page 154
Standar GRI Indikator Pengungkapan Lokasi
GRI Standards Indicator Disclosure Location
GRI 403: 403-1 Sistem manajemen kesehatan dan keselamatan kerja 75
Kesehatan dan Keselamatan Occupational health and safety management system
Kerja 2018
Occupational Health and 403-2 Pengidentifikasian bahaya, penilaian risiko, dan investigasi insiden 75
Safety 2018 Hazard identification, risk assessment, and incident investigation
403-3 Layanan kesehatan kerja 76
Occupational health services
403-4 Partisipasi, konsultasi, dan komunikasi pekerja tentang kesehatan dan 77
keselamatan kerja
Workers participation, consultation, and communication on occupational
health and safety
403-5 Pelatihan pekerja mengenai kesehatan dan keselamatan 77
Workers training on occupational health and safety
403-6 Peningkatan kualitas kesehatan pekerja 78
Promotion of workers health
403-7 Pencegahan dan mitigasi dampak-dampak kesehatan dan keselamatan 75, 79
kerja yang secara langsung terkait hubungan bisnis
Prevention and mitigation of occupational health and safety impacts directly
linked by business relationships
403-8 Pekerja yang tercakup dalam sistem manajemen kesehatan dan 75
keselamatan kerja
Workers covered by an occupational health and safety management system
403-9 Kecelakaan kerja 80
Work-related injuries
GRI 404: 404-1 Rata-rata jam pelatihan per tahun per karyawan 71, 72
Pelatihan dan Pendidikan 2016 Average hours of training per year per employee
Training and Education 2016
404-2 Program untuk meningkatkan keterampilan karyawan dan program bantuan 74
peralihan
Programs for upgrading employee skills and transition assistance programs
404-3 Persentase karyawan yang menerima tinjauan rutin terhadap kinerja dan 74
pengembangan karier
Percentage of employees receiving regular performance and career
development reviews
GRI 405: 405-1 Keanekaragaman badan tata kelola dan karyawan 62, 63
Keanekaragaman dan Peluang Setara Diversity of governance bodies and employees
2016
Diversity and Equal Opportunity 2016 405-2 Rasio gaji pokok dan remunerasi perempuan dibandingkan laki-laki 68
Ratio of basic salary and remuneration of women to men
GRI 406: 406-1 Insiden diskriminasi dan tindakan perbaikan yang dilakukan 66
Nondiskriminasi 2016 Incidents of discrimination and corrective actions taken
Non-discrimination 2016
GRI 413: 413-1 Operasi dengan keterlibatan masyarakat lokal, penilaian dampak, dan 93, 100
Masyarakat Lokal 2016 program pengembangan
Local Communities 2016 Operations with local community engagement, impact assessments, and
development programs
413-2 Operasi yang memiliki atau berpotensi menimbulkan dampak negatif 81, 83
signifikan kepada masyarakat setempat
Operations that have or potentially cause significant adverse impacts on the
local community
GRI 417: 417-1 Persyaratan untuk pelabelan dan informasi produk dan jasa 83
Pemasaran dan Pelabelan 2016 Requirements for product and service information and labeling
Marketing and Labeling 2016
417-2 Insiden ketidakpatuhan terkait informasi dan pelabelan produk dan jasa 83
Incidents of non-compliance concerning product and service information
and labeling
417-3 Insiden ketidakpatuhan terkait komunikasi pemasaran 83
Incidents of non-compliance concerning marketing communications
GRI 418: 418-1 Pengaduan yang berdasar mengenai pelanggaran terhadap privasi 89
Privasi Pelanggan 2016 pelanggan dan hilangnya data pelanggan
Customer Privacy 2016 Substantiated complaints concerning breaches of customer privacy and
losses of customer data
152 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 155
Sustainability Accounting
Standards Board (SASB): Commercial Banks
Sustainability Accounting Standards Board (SASB): Commercial Banks
Kode Uraian Lokasi
Indicators Description Location
Metrik Aktivitas | Activity Metrics
FN-CB-000.B (1) Jumlah dan (2) nilai pinjaman menurut segmen: (a) pribadi dan (b) usaha kecil 42
(1) Number and (2) value of loans by segment: (a) personal and (b) small business
Keamanan Data | Data Security
FN-CB-230a.1 (1) Jumlah pelanggaran data, (2) persentase informasi identifikasi pribadi, (3) jumlah rekening yang terpengaruh 88
(1) Number of data breaches, (2) percentage involving personally identifiable information (PII), (3)
number of account holders affected
FN-CB-230a.2 Pendekatan untuk menangani risiko keamanan data 88
Description of approach to identifying and addressing data security risks
Inklusi Keuangan dan Pengembangan Kapasitas | Financial Inclusion and Capacity Building
FN-CB-240a.1 (1) Jumlah dan (2) total pinjaman yang memenuhi syarat untuk program promosi usaha kecil dan 42
pengembangan masyarakat
(1) Number and (2) amount of loans outstanding qualified to programs designed to promote small
business and community development
FN-CB-240a.4 Jumlah peserta literasi keuangan untuk nasabah yang tidak memiliki rekening bank, atau kurang 102
terlayani
Number of participants in financial literacy initiatives for unbanked, underbanked, or underserved
customers
Inkorporasi Tata Kelola, Sosial, dan Lingkungan di Analisis Kredit
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.2 Pendekatan untuk memasukkan faktor lingkungan, sosial, dan tata kelola (LST) dalam analisis kredit 45
Description of approach to incorporation of environmental, social and governance (ESG) factors in
credit analysis
Emisi yang Dibiayai | Financed Emissions
FN-CB-410b.1 Emisi bruto absolut yang dibiayai, dipilah berdasarkan (1) Cakupan 1, (2) Cakupan 2, dan (3) Cakupan 3 57
Absolute gross financed emissions, disaggregated by (1) Scope 1, (2) Scope 2, and (3) Scope 3
FN-CB-410b.4 Deskripsi metodologi yang digunakan untuk menghitung emisi yang dibiayai 56
Description of the methodology used to calculate financed emissions
Etika Bisnis | Business Ethics
FN-CB-510a.2 Deskripsi kebijakan dan prosedur whistleblowing 69, 135
Description of whistleblower policies and procedures
Sistem Manajemen Risiko | Risk Management System
FN-CB-550a.2 Deskripsi pendekatan untuk memasukan faktor lingkungan, sosial, dan tata kelola (LST) dalam analisis kredit ke 45
dalam perencanaan kecukupan modal, strategi perusahaan jangka panjang, dan aktivitas bisnis lainnya
Description of approach to incorporation of environmental, social, and governance (ESG) factors
in credit analysis into capital adequacy planning, long-term corporate strategy, and other business
activities
2025 Sustainability Report PT Bank Permata Tbk. 153
Page 156
Halaman ini sengaja dikosongkan.
This page is intentionally left blank.
154 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 157
Lembar
Umpan Balik [G.2]
Feedback Form
Terima kasih kepada Bapak/Ibu/Saudara yang telah membaca Thank you to you for reading the 2025 Sustainability Report of
Laporan Keberlanjutan PT Bank Permata Tbk tahun 2025. Untuk PT Bank Permata Tbk. To improve the content of the Sustainability
meningkatkan isi Laporan Keberlanjutan pada tahun-tahun Report in the coming years, we hope that you would be willing
mendatang, kami berharap Bapak/Ibu/Saudara bersedia untuk to fill out this Feedback Form by circling one of the answers and
mengisi Lembar Umpan Balik ini dengan melingkari salah satu filling in the provided space.
jawaban dan mengisi di tempat yang tersedia.
Profil Anda I Your Profile:
Nama (bila berkenan) | Name (if you willing to) :
Institusi/Perusahaan | Institution/Company :
Kelompok Pemangku Kepentingan | Stakeholders Group:
a. Pemegang Saham | Shareholder d. Nasabah | Customers
b. Karyawan | Employees e. Masyarakat | Communities
c. Regulator | Regulators f. Vendor | Vendors
Mohon pilih jawaban yang paling sesuai dengan pertanyaan di bawah ini. Ya Tidak
No.
Please select the appropriate answers in response to the questions below. Yes No
1. Laporan ini mudah dimengerti dan bermanfaat bagi Anda.
This report is easy to understand and useful for You.
2. Laporan ini telah menggambarkan kinerja Permata Bank dalam mendukung terwujudnya pembangunan berkelanjutan
This report already describes the Permata Bank’s performance in supporting the realization of sustainable development
3. Laporan ini meningkatkan kepercayaan Anda pada keberlanjutan Permata Bank
This report increases your confidence in the sustainability of the Permata Bank
4. Materi dan data dalam Laporan Keberlanjutan ini sudah cukup lengkap
The materials and data in this Sustainability Report are quite complete
Mohon berikan penilaian untuk topik material yang paling penting menurut anda
(nilai 1 = paling tidak penting s/d 5 = paling penting)
Please score the material topics you consider as the most important (score 1 = least important to 5 = most important)
1. Pertumbuhan Ekonomi Berkelanjutan
(.......)
Sustainable Economic Growth
2. Tata Kelola Keberlanjutan, Manajemen Risiko, dan Etika
(.......)
Sustainability Governance, Risk Management, and Business Ethics
3. Inovasi Produk Keuangan Berkelanjutan dan Pengembangan Teknologi
(.......)
Sustainable Finance Product Innovation and Technology Development
4. Pengelolaan Lingkungan dan Perubahan Iklim
(.......)
Environmental Management and Climate Change
5. Keamanan Produk dan Data, serta Privasi Nasabah
(.......)
Product and Data Security, and Customer Privacy
6. Pelatihan dan Pengembangan Karyawan
(.......)
Employee Training and Development
7. Pengembangan Masyarakat dan Literasi Keuangan
(.......)
Community Development and Financial Literacy
2025 Sustainability Report PT Bank Permata Tbk. 155
Page 158
Mohon berikan saran/komentar Anda atas laporan ini:
Please provide other suggestions or information related to the report:
Terima kasih atas masukan Anda. Mohon lembar umpan balik dapat dikirim melalui surat elektronik kepada kontak yang tertera di
laporan ini, atau langsung ke:
Thank you for your feedback. Please kindly send this feedback form to the contact mentioned in this report or directly send to:
Corporate Secretary
PT Bank Permata Tbk Corporate.Secretary@permatabank.co.id
World Trade Center (WTC) II
Jl. Jend. Sudirman Kav. 29-31, Jakarta 12920 (021) 523 7788
156 PT Bank Permata Tbk. Laporan Keberlanjutan 2025
Page 159
Page 160
Laporan Keberlanjutan Sustainability Report 2025 Empowering Values, Sustaining the Future PT Bank Permata Tbk Gedung WTC II Jl. Jend. Sudirman Kav. 29 - 31, Jakarta 12920 Tel. : [021] 523 7788 Fax : [021] 523 7244 www.permatabank.com
Names mentioned 46 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank About Permata Bank
p.4
unresolved
org
Bank Bintaro Sektor
p.7 ×2
unresolved
org
Bank Merdeka Bandung
p.7 ×2
unresolved
org
Bank Bintaro Sector
p.7 ×3
unresolved
org
Bank Merdeka Building Bandung
p.7
unresolved
org
Bank Bintaro
p.8 ×3
unresolved
org
Bank Bintaro Branch Office
p.8
unresolved
person
Forum Komunikasi
· Direktur
p.9
unresolved
org
Bank Merdeka
p.15 ×2
unresolved
org
Financial Services Authority
p.16 ×10
unresolved
org
Bank About Permata Bank Profil Permata Bank
p.24
unresolved
org
Bank Profile Nama Perusahaan
p.24
unresolved
org
Bank Umum Tel.
p.24
unresolved
org
Bank Call Center
p.24
unresolved
org
Legal Status and Entity Perusahaan Swasta
p.24
unresolved
person
Eliza Pondaag
· Notaris
p.25
unresolved
org
Menteri Kehakiman
p.25
unresolved
org
1. Bangkok Bank Public Company Limited : 89,12%
p.25
unresolved
org
Bangkok Bank Public Company Limited
p.25
unresolved
org
Indonesia Stock Exchange
p.25 ×2
unresolved
org
Bank Culture Awards. Selain
p.29
unresolved
org
Menteri Hukum Republik
p.30
unresolved
org
Minister of Indonesia
p.30
unresolved
org
Bank Bintaro Merdeka Bandung
p.42
unresolved
org
Bank Culture Network.
p.53
unresolved
org
Bank Merdeka Bandung Building
p.54
unresolved
org
Ministry of Energy and Mineral Resources
p.58 ×2
unresolved
org
Bank Group Leadership
p.72
unresolved
org
Bank Leadership Competencies. To
p.73
unresolved
org
Departemen Security
p.77
unresolved
org
Ministry of Manpower
p.77
unresolved
org
Departemen Tenaga Kerja
p.80
unresolved
org
Ministry of Manpower’s
p.80
unresolved
org
Bank Pembiayaan Rakyat Syariah
p.84
unresolved
org
Bank Indonesia
p.85 ×3
unresolved
org
Ministry of Primary and Secondary Education
p.99
unresolved
org
Nasional Baseline
p.126
unresolved
org
Bank Wide
p.126 ×2
unresolved
person
Affairs
· Direktur
p.126
unresolved
org
Departemen Climate Risk Analytics
p.130
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.