Source file signed link, expires in 15 minutes
Extracted text 220
Page 1
COVER SR
Page 2
Page 3
Page 4
Penjelasan Tema Theme Explanation Keberhasilan PT Bank Artha Graha Internasional Tbk The success of PT Bank Artha Graha Internasional Tbk in mempertahankan kinerja terbaik tahun 2022 merupakan maintaining the best performance in 2022 is a reflection cerminan atas kukuhnya kolaborasi antara pemangku of the strong collaboration between internal and external kepentingan internal dan eksternal. Melalui kolaborasi, stakeholders. Through collaboration, all challenges will maka semua tantangan akan lebih mudah diselesaikan. be more easily resolved. On the other hand, through Di sisi lain, melalui kolaborasi, maka semua program akan collaboration, it will be easier for all programs to be lebih mudah direalisasikan. realized. Bagi Bank, kolaborasi adalah kunci untuk menguatkan For the Bank, collaboration is the key to strengthening nilai kebersamaan, sekaligus fondasi yang kokoh untuk the value of togetherness, as well as a solid foundation memenangi persaingan di industri perbankan yang kian for winning competition in the banking industry which kuat. Lebih dari itu, komitmen untuk berkolaborasi juga is getting stronger. More than that, the commitment to menjadi prasyarat untuk mewujudkan bisnis Bank yang collaborate is also a prerequisite for realizing a sustainable berkelanjutan. business for the Bank. 4 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 5
Kesinambungan Tema
Theme Continuity
2021
Strengthening Sustainability Fundamental
strengthening
sustainability
fundamental
Bank Artha Graha Internasional telah meletakkan dasar dan senantiasa memperkokoh
fondasi keberlanjutan demi terwujudnya pertumbuhan usaha jangka panjang dan
berkontribusi dalam pembangunan berkelanjutan. Secara bertahap Bank akan
meningkatkan kinerja melalui pengembangan bisnis, perbaikan produktivitas,
peningkatan layanan, dan kualitas aset, serta penguatan Tata Kelola dan fungsi
manajemen risiko dan kontrol, dengan dukungan Human Capital, budaya kerja, dan
sistem informasi yang andal. Memperkuat penetrasi segmen konsumer dan UMKM
berbasis value chain dan membangun keunggulan infrastruktur digital dan Teknologi
Informasi untuk memperluas jaringan dan kualitas produk dan pelayanan.
Bank Artha Graha Internasional has laid the foundation and continues to strengthen
2021 Laporan Keberlanjutan|Sustainability Report
the foundation of sustainability for the realization of long-term business growth and
PT Bank Artha Graha Internasional Tbk
contributing to sustainable development. Gradually the Bank will improve performance
through business development, productivity improvement, service improvement, and
asset quality, as well as strengthening Governance and risk management and control
functions, with the support of Human Capital, work culture, and a reliable information
system. Improving penetration to customers and MSMEs based on the value chain and
establishing superiority in digital and Information Technology infrastructures to expand
our network and product quality as well as services.
2020 Komitmen Keberlanjutan untuk Indonesia
Sustainability Commitment for Indonesia
Bank Artha Graha Internasional berkesempatan untuk berbagi informasi dengan
para stakeholder mengenai produk, sumber daya, kegiatan Bank, dan kontribusinya
kepada Indonesia melalui berbagai cara dan media. Hal tersebut dapat menciptakan
sinergi yang positif antara Bank Artha Graha Internasional dan para stakeholder yang
dapat menunjang berkelanjutan usaha Bank Artha Graha Internasional dan perbaikan
kualitas kehidupan menuju Pembangunan Berkelanjutan (SDGs).
SUSTAINABILITY COMMITMENT FOR INDONESIA Bank Artha Graha Internasional had the opportunity to share information with
stakeholders regarding the Bank’s products, resources, activities, and contributions
to Indonesia through various means and media. This can create a positive synergy
between Bank Artha Graha Internasional and stakeholders that can support the
sustainability of Bank Artha Graha Internasional business and improve the quality of
life towards Sustainable Development Goals (SDGs).
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 5
Page 6
Page 7
Page 8
Ikhtisar Kinerja Keberlanjutan
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Overview
Deskripsi Satuan
2022 2021 2020
Description Unit
Kinerja Aspek Ekonomi [OJK B.1]
Economic Aspect Performance [OJK B.1]
Pendapatan Bunga - Bersih Jutaan Rupiah
950.633 767.757 631.787
Interest Income - Net Million Rupiah
Laba/Rugi Jutaan Rupiah
54.997 (168.063) 21.371
Profit/Loss Million Rupiah
Pembayaran Pajak dan Retribusi Jutaan Rupiah
(129.478) (185.925) (243.008)
Tax and Retribution Payments Million Rupiah
Pembiayaan Non-Kegiatan Usaha Berkelanjutan Jutaan Rupiah
9.764.884 10.729.091* 11.405.775*
Financing of Non-Sustainable Business Activities Million Rupiah
Pembiayaan Kegiatan Usaha Berkelanjutan Jutaan Rupiah
464.886 749.225* 1.036.740*
Financing of Sustainable Business Activities Million Rupiah
% Pembiayaan Kegiatan Usaha Berkelanjutan dari Total
Pembiayaan Persen
4,54 6,53* 8,33*
% of Financing of Sustainable Business Activities from Percent
the Total Funding
Nilai Pinjaman menurut Segmen [FN-CB-000.B]
Loan Amount by Segment [FN-CB-000.B]
Perorangan Jutaan Rupiah
2.753.214 3.003.214 2.990.716
Personal Million Rupiah
Usaha Kecil Jutaan Rupiah
399.980 682.188 969.752
Small Business Million Rupiah
Korporasi Jutaan Rupiah
7.076.576 7.794.571 8.482.046
Corporation Million Rupiah
Kerja Sama dengan Pemasok Lokal
Cooperation with Local Suppliers
Total Pemasok Lokal Jumlah Mitra
308 171 210
Total of Local Suppliers Number of Partners
Nilai Kerja Sama Jutaan Rupiah
111.600 82.224 44.316
Cooperation Value Million Rupiah
Kinerja Aspek Ekonomi terkait Keberlanjutan
Performance of Economic Aspects related to Sustainability
Jenis produk yang memenuhi kriteria kegiatan usaha
berkelanjutan (KKUB) Unit Produk
3 3* 3*
Types of products that meet the criteria for sustainable Product Units
business activities (KKUB)
Nominal produk dan/atau jasa yang memenuhi kriteria
kegiatan usaha berkelanjutan (KKUB) Jutaan Rupiah
464.886 749.225* 1.036.740*
Nominal products and/or services that meet the criteria Million Rupiah
for sustainable business activities (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%):
Percentage of total portfolio of sustainable business activities to total portfolio (%):
Penghimpunan Dana Persen
0 0 0
Fundraising Percent
8 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 9
Sustainability Performance Overview
Deskripsi Satuan
2022 2021 2020
Description Unit
Penyaluran Dana Persen
4,54 6,53* 8,33*
Distribution of Funds Percent
Kinerja Keuangan Inklusif
Inclusive Financial Performance
Perkembangan Laku Pandai
Laku Pandai development
Jumlah Agen Agen
27 29 98
Total Agents Agent
Nominal produk dan/atau jasa yang disediakan
Jutaan Rupiah
oleh Agen 228,8 248,5 249,4
Million Rupiah
Nominal product and/or service provided by the Agent
Jumlah Peserta Literasi Keuangan Orang
522 518 533
Number of Financial Literacy Participants People
*disajikan kembali. Sebagaimana data tahun 2022 yang hanya mencakup *represented. As the data for 2022 only includes the Financing of
Pembiayaan Kegiatan Usaha Berkelanjutan atas jenis produk/jasa yang Sustainable Business Activities for the types of products/services owned
dimiliki Bank, maka pembelian surat berharga yang memenuhi Kriteria by the Bank, purchases of securities that meet the Criteria for Sustainable
Kegiatan Usaha Berkelanjutan (KKUB) pada tahun 2021 dan 2020 tidak Business Activities (KKUB) in 2021 and 2020 are not included in this
dimasukkan dalam kriteria ini. criterion.
Pencapaian realisasi Kriteria Kegiatan Usaha Berkelanjutan The achievement of the realization of Sustainable Business
(KKUB) sesuai dengan Kegiatan Usaha Berwawasan Activity Criteria (KKUB) in accordance with Environmentally
Lingkungan (KUBL) 1 s/d 12 periode Tahun 2022 Friendly Business Activities (KUBL) 1 to 12 periods in
sebesar Rp464.886 juta atau turun sebesar Rp284.339 2022 amounted to IDR464,886 million or decreased by
juta dibanding pencapaian realisasi Kegiatan Usaha IDR284,339 million compared to the achievement of
Berwawasan Lingkungan (KUBL) Tahun 2021 sebesar realization of Environmentally Friendly Business Activities
Rp749.225 juta. (KUBL) in 2021 amounting to IDR749,225 million.
Deskripsi Satuan
2022 2021 2020
Description Unit
Kinerja Lingkungan [OJK B.2]
Environmental Performance [OJK B.2]
Liter
431.457 432.000 426.114
Penggunaan BBM Liter
Fuel Usage GigaJoules
14.756 14.774 14.573
GigaJoules
Liter
(543) 5.886 (173.954)
Penambahan (Pengurangan) Penggunaan BBM Liter
Addition (Reduction) Fuel Usage GigaJoules
(18) 201,3 (5.949,23)
GigaJoules
Kwh
6.186.223 6.471.836 6.823.240
Penggunaan Listrik Kwh
Electricity Usage GigaJoules
22.270 23.299 24.564
GigaJoules
Kwh
(285.613) (351.404) (929.169)
Penambahan (Pengurangan) Penggunaan Listrik Kwh
Addition (Reduction) of Electricity Usage GigaJoules
(1.028,21) (1.265,05) (3.345,01)
GigaJoules
Emisi CO2 Langsung Ton CO2eq
989 988 974
Direct CO2 Emissions Ton CO2eq
Emisi CO2 Tidak Langsung Ton CO2eq
5.778 5.012 5.284
Indirect CO2 Emissions Ton CO2eq
Total Emisi Ton CO2eq
6.767 6.000 6.258
Total Emissions Ton CO2eq
Penggunaan Air Meter Kubik
35.426 34.934 39.259
Water Usage Cubic Meter
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 9
Page 10
Ikhtisar Kinerja Keberlanjutan
Deskripsi Satuan
2022 2021 2020
Description Unit
Penambahan (Pengurangan) Air Meter Kubik
492 (4.325) (15.132)
Addition (Reduction) of Water Cubic Meter
Penggunaan Kertas Continuous Form Dus
138 113 131
Continuous Form Paper Usage Carton
Penggunaan Kertas HVS Rim
6.197 10.086 9.784
HVS Paper Usage Ream
Penggunaan Kertas Telstruk dan Kertas Thermal Gulung
2.501 2.103 2.947
Use of Telstruct Paper and Thermal Paper Roll
Pengaduan Lingkungan Kasus
0 0 0
Environmental Complaints Case
Kinerja Sosial [OJK B.3]
Social Performance [OJK B.3]
Jumlah Total Pegawai Orang
1.487 1.581 1.787
Number of Employees Person
Jumlah Pegawai Tetap Pria Orang
754 748 858
Number of Male Permanent Employees Person
Jumlah Pegawai Tetap Wanita Orang
733 682 803
Number of Female Permanent Employees Person
Komposisi Perempuan dalam Manajemen Tertinggi Orang
2 3 2
Composition of Female in Top Management Person
Biaya Pengembangan Kompetensi Juta Rupiah
16.026 8.790 5.424
Competency Development Costs Million Rupiah
Total Jam Pelatihan dan Pengembangan Karyawan Jam
7.265 2.483 1.843
Total Employee Training and Development Hours Hour
Total Peserta Pelatihan dan Pengembangan
Karyawan Orang
12.350 9.831 4.255
Total Employee Training and Development Person
Participants
Jumlah Kecelakaan Kerja Fatal Kasus
0 0 0
Number of Fatal Work Accidents Case
Penyelesaian Keluhan Nasabah Persen
100 100 100
Customer Complaint Settlement Percent
Investasi CSSR Juta Rupiah
5.502 5.074 5.104
CSSR Investment Million Rupiah
Penanganan COVID-19 Juta Rupiah
1.242 5.009 3.027
Handling of COVID-19 Million Rupiah
10 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 11
Sustainability Performance Overview
“Ingatlah selalu, Anda memiliki
kekuatan, kesabaran, dan semangat
untuk meraih bintang-bintang untuk
mengubah dunia.”
“Always remember, you have within you the
strength, the patience, and the passion to reach
for the stars to change the world.”
Harriet Tubman
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 11
Page 12
Ikhtisar Kinerja Keberlanjutan
Daftar Isi
Table of Content
Penjelasan Tema Tata Kelola Keberlanjutan
4 81
Theme Explanation Sustainable Governance
Kesinambungan Tema
5
Theme Continuity Komitmen Penerapan Tata Kelola
82
Governance Implementation Commitment
Ikhtisar Kinerja Keberlanjutan 7 Prinsip Tata Kelola Perusahaan
83
Sustainability Performance Overview Corporate Governance Principles
Struktur Tata Kelola Perusahaan
84
Strategi Keberlanjutan Corporate Governance Structure
14
Sustainability Strategy
Rapat Umum Pemegang Saham
85
Roadmap Keuangan Berkelanjutan General Meeting of Shareholders
18
Sustainable Finance Roadmap
Dewan Komisaris
86
Budaya Keberlanjutan Board of Commissioners
20
Culture of Sustainability
Direksi
89
Bisnis yang Berintegritas Board of Directors
31
Business with Integrity
Penanggung Jawab Pelaksanaan
Keuangan Berkelanjutan
92
Penjelasan Direksi Responsible for Implementation
33 of Sustainable Finance
Board of Directors Explanation
Pengembangan Kompetensi Terkait
Kegiatan Berkelanjutan
Tentang Laporan Keberlanjutan 93
45 Competency Development Related
About the Sustainability Report
to Sustainable Activities
Manajemen Risiko
Tentang Laporan Keberlanjutan 95
46 Risk Management
About the Sustainability Report
Pelibatan Pemangku Kepentingan
101
Stakeholder Engagement
Profil Perusahaan
55
Company Profile Kode Etik
104
Code of Conduct
Identitas Perusahaan Kebijakan dan Komitmen Anti Korupsi
56 107
Corporate Identity Anti Corruption Policy and Commitment
Sejarah Singkat Perusahaan Penerapan Anti Pencucian Uang dan
58
Brief History of the Company Pencegahan Pendanaan Terorisme (APU PPT)
Implementation of Anti Money 108
Visi, Misi, dan Nilai-Nilai Bank
61 Laundering and Combating the
Vision, Mission and Values of the Bank
Financing of Terorrism (AML CFT)
Kegiatan Usaha
62 Sistem Pelaporan Pengaduan Pelanggaran
Business Activities 110
Whistleblowing Reporting System
Layanan Digital Bank
66 Etika Usaha dan Tata Perilaku
Digital Bank Services 115
Business Ethics and Code of Conduct
Struktur Organisasi
68 Budaya Kepatuhan Bank
Organizational Structure 116
Bank Compliance Culture
Lokasi Operasi dan Pasar yang Dilayani
70 Permasalahan terhadap Penerapan
Operational Locations and Markets Served
Kegiatan Berkelanjutan
117
Skala Perusahaan Problems with the Implementation
74
Enterprise Scale of Sustainable Activities
Rantai Pasokan
75
Supply Chain
Perubahan Signifikan pada Organisasi dan
Rantai Pasokan
76
Significant Changes in Organization
and Supply Chain
Keanggotaan Asosiasi
79
Association Membership
12 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 13
Sustainability Performance Overview
Terus Bertumbuh dan Semakin Kukuh Human Capital Penopang
119
Continue to grow and become stronger Keberlanjutan Terbaik 145
Human Capital to Support Best Sustainability
Sekilas Perekonomian Global dan Nasional
120
Overview of the Global and National Economy Informasi tentang Karyawan
146
Information about Employees
Kinerja Industri Perbankan Tahun 2022
121
Banking Industry Performance in 2022 Pekerja Bukan Karyawan
149
Non-Employee Workers
Inisiatif dan Kebijakan Strategis
Bank Tahun 2022 122 Human Capital Penopang
Bank Strategic Initiatives and Policies for 2022 Keberlanjutan Terbaik 150
Human Capital to Support Best Sustainability
Kinerja Ekonomi Bank Tahun 2022
124
Bank Economic Performance in 2022
Distribusi Nilai Ekonomi Mengutamakan Kesehatan
126 dan Keselamatan Kerja 171
Distribution of Economic Value
Prioritizing Occupational Health and Safety
Dana Pihak Ketiga
128
Third-Party Funds
Mengutamakan Kesehatan
Kredit Berdasarkan Kategori
dan Keselamatan Kerja 172
Kegiatan Usaha Berkelanjutan
129 Prioritizing Occupational Health and Safety
Credit Based on Sustainable
Business Activities Category
Penyaluran Produk Usaha Mikro, Memberikan Pelayanan Terbaik untuk
Kecil dan Menengah (UMKM) Kepuasan Nasabah
177
131 Giving the Best Service for Customer
Distribution of Micro, Small, and Medium
Enterprises (MSMEs) Products Satisfaction
Kontribusi kepada Pembangunan
Infrastruktur di Indonesia Memberikan Pelayanan Terbaik
131
Contribution to Infrastructure untuk Kepuasan Nasabah
178
Development in Indonesia Giving the Best Service for
Customer Satisfaction
Portofolio Produk dengan Manfaat Sosial
132
Product Portfolio with Social Benefits
Kontribusi kepada Negara Kinerja Lingkungan 189
133 Environmental Performance
Contribution to the State
Kontribusi Maksimal untuk Kelestarian
Berkontribusi Maksimal untuk
Lingkungan
Pemberdayaan Masyarakat 135
190
The Maximum Contribution to Environmental
Maximum Contribution to
Sustainability
Community Empowerment
Berkontribusi Maksimal untuk Lembar Umpan Balik
203
Pemberdayaan Masyarakat Feedback Sheet
136
Maximum Contribution to
Community Empowerment
Tanggapan Terhadap Umpan Balik Laporan
Tujuan Penerapan CSSR Tahun Sebelumnya
137 204
Purpose of Implementing CSSR Responses to Feedback on Previous Year’s
Metode Program CSSR Reports
137
CSSR Programming Method Verifikasi Tertulis dari Pihak Independen
205
Pelaksanaan Kegiatan Written Verification from Independent Party
138
Implementation of Activities Daftar Pengungkapan Sesuai
Program Literasi Keuangan POJK 51/POJK.03/2017
140 206
Financial Literacy Program List of Disclosures According to
POJK 51/POJK.03/2017
Pengaduan Masyarakat
142 Indeks Konten GRI Standard 2022
Public Complaints 209
GRI Standard Content Index 2022
Sustainability Accounting Standards
215
Commercial Board (SASB)
Sustainable Banking Assessment (SUSBA) 216
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 13
Page 14
Ikhtisar Kinerja Keberlanjutan
Strategi Keberlanjutan [OJK A.1]
Sustainability Strategy [OJK A.1]
Bank Artha Graha Internasional berkomitmen terhadap Bank Artha Graha Internasional is committed to successfully
keberhasilan implementasi keuangan berkelanjutan di implementing sustainable finance in Indonesia. This
Indonesia. Komitmen tersebut bermula pada akhir tahun commitment began at the end of 2015 when the Financial
2015 dimana Otoritas Jasa Keuangan (OJK) dengan Services Authority (OJK), with the support of technical
dukungan technical assistance dari WWF Indonesia, assistance from WWF Indonesia, invited Bank Artha Graha
mengajak Bank Artha Graha Internasional bersama dengan Internasional, along with 7 other banks, to pioneer the
7 Bank lainnya merintis “First Step to be a Sustainable “First Step to be a Sustainable Bank”, namely integrating
Bank”, yaitu mengintegrasikan unsur lingkungan, sosial environmental, social and governance in implementing
dan tata kelola dalam menerapkan prinsip-prinsip sustainable principles into banking practices, as stated
berkelanjutan ke dalam praktik perbankan, sebagaimana in the roadmap for Sustainable Finance in Indonesia
tertuang dalam Roadmap Keuangan Berkelanjutan published by OJK.
di Indonesia yang di terbitkan oleh OJK.
Selaras dengan itu, komitmen pemerintah untuk menekan In line with that, the government’s commitment to
emisi rendah karbon turut menjadi perhatian Bank reducing low carbon emissions is also a concern for the
dalam menerapkan strategi usaha berkelanjutan melalui Bank in implementing a sustainable business strategy
penerapan ekonomi hijau. Sebagaimana tertuang dalam through a green economy as stated in the Vision Mission
Visi dan Misi serta Nilai-Nilai Perusahaan untuk menjadi and Corporate Values to become a leading financial
institusi keuangan terkemuka dengan kinerja prima yang institution with sustainable prime performance and
berkelanjutan dan berkontribusi dalam pembangunan contribute to Indonesia’s development. Supported by
Indonesia. Dengan ditunjang oleh human capital human capital that understands and has knowledge of
yang memahami dan memiliki pengetahuan tentang sustainable finance, the Bank is expected to be able to
sustainable finance, Bank diharapkan mampu menciptakan create sustainable growth by aligning economic, social,
pembangunan berkelanjutan dengan menyelaraskan and environmental interests.
kepentingan ekonomi, sosial, dan lingkungan hidup.
Pendekatan keberlanjutan Bank Artha Graha Internasional Bank Artha Graha Internasional sustainability approach
mengacu pada Peraturan Otoritas Jasa Keuangan (POJK) refers to the Financial Services Authority Regulation (POJK)
No. 51/POJK.03/2017 tentang Penerapan Keuangan No. 51/POJK.03/2017 concerning the Implementation of
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, Sustainable Finance for Financial Services Institutions,
dan Keuangan Publik. Dalam pelaksanaannya, Bank Issuers, and Public Finance. In its implementation, the
mengadopsi prinsip-prinsip keuangan berkelanjutan Bank adopts the following sustainable finance principles:
sebagai berikut:
1. Prinsip Investasi Bertanggung Jawab 1. Principles of Responsible Investment
Investasi bertanggung jawab (responsible investment) Responsible investment is an investment approach
adalah pendekatan investasi yang mempertimbangkan that considers economic, social, environmental, and
faktor ekonomi, sosial, lingkungan hidup, dan tata governance factors in investment decisions. This
kelola dalam keputusan investasi. Prinsip ini berlaku principle applies to the collection and distribution
untuk penghimpunan dan penyaluran dana yang of funds that consider increasing economic benefits,
mempertimbangkan peningkatan keuntungan social welfare, environmental quality, and governance
ekonomi, kesejahteraan sosial, kualitas lingkungan enforcement as the ultimate goal;
hidup, dan penegakan tata kelola sebagai tujuan akhir;
14 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 15
Sustainability Performance Overview
2. Prinsip Strategi dan Praktik Bisnis Berkelanjutan 2. Principles of Sustainable Business Strategy and
Practices
Bank memiliki tahapan dan rencana strategis guna The Bank has stages and strategic plans to achieve long-
mencapai tujuan jangka panjang, meliputi visi, term goals, including vision, mission, organizational
misi, struktur organisasi, rencana strategis, standar structure, strategic objectives, standard operating
prosedur operasional, dan program kerja sampai pada procedures, and work programs to determine risk
penetapan faktor risiko dalam penghimpunan atau factors in raising or distributing funds;
penyaluran dana;
3. Prinsip Pengelolaan Risiko Sosial dan Lingkungan 3. Principles of Social and Environmental Risk
Hidup Management
Bank memiliki prinsip kehati-hatian dalam mengukur The Bank adheres to the principle of prudence
risiko sosial dan lingkungan hidup dari aktivitas in measuring social and environmental risks from
penghimpunan dan penyaluran dana, melalui fundraising and channeling activities through risk
identifikasi, pengukuran, mitigasi, pengawasan, dan identification, measurement, mitigation, supervision,
pemantauan risiko; and monitoring;
4. Prinsip Tata Kelola 4. Principles of Governance
Penegakan tata kelola bagi Bank diterapkan melalui Governance enforcement for the Bank is implemented
manajemen dan operasi bisnis yang mencakup, antara through management and business operations that
lain transparansi, akuntabel, bertanggung jawab, include, among others, transparency, accountability,
independen, profesional, setara dan wajar; responsibility, independence, professionalism, equality,
and fairness;
5. Prinsip Komunikasi yang Informatif 5. Principles of Informative Communication
Bank menyiapkan dan menyediakan laporan The Bank prepares and provides informative reports
yang informatif mencakup strategi, tata kelola, covering strategy, governance, performance, and
kinerja dan prospek ke depan kepada seluruh prospects to all Stakeholders. In this case, the Bank
Pemangku Kepentingan. Dalam hal ini, Bank has regularly communicated the Sustainable Finance
telah mengomunikasikan Rencana Aksi Keuangan Action Plan (RAKB) and Sustainability Report every
Berkelanjutan (RAKB) dan Laporan Keberlanjutan year;
secara rutin setiap tahunnya;
6. Prinsip Inklusif 6. Principles of Inclusion
Bank menjamin ketersediaan dan keterjangkauan The Bank guarantees the availability and affordability
produk dan/atau jasa perbankan sehingga dapat of banking products and/or services so that all levels
diakses oleh seluruh lapisan masyarakat. Jenis produk of society can access them. The types of banking
dan/atau jasa perbankan yang ditawarkan mencakup products and/or services offered cover all economic
seluruh sektor ekonomi sesuai dengan kebutuhan sectors according to the needs of society and
masyarakat dan kebijakan pemerintah; government policies;
7. Prinsip Pengembangan Sektor Unggulan Prioritas 7. Principles of Priority Leading Sector Development
Bank berkomitmen untuk mendukung sektor-sektor The Bank is committed to supporting priority leading
unggulan prioritas yang telah ditetapkan oleh sectors determined by the Government through the
Pemerintah melalui Rencana Pembangunan Jangka Medium and Long Term Development Plans (RPJMN
Menengah dan Jangka Panjang (RPJMN dan RPJP). Hal and RPJP). This is done as part of keeping the
ini dilakukan sebagai bagian mendukung pencapaian achievement of the Sustainable Development Goals;
Tujuan Pembangunan Berkelanjutan; dan and
8. Prinsip Koordinasi dan Kolaborasi 8. Principles of Coordination and Collaboration
Dalam rangka menyelaraskan strategi/kebijakan, To align strategies/policies, business opportunities,
peluang bisnis, dan inovasi produk dengan and product innovations with national interests,
kepentingan nasional, Bank berpartisipasi aktif the Bank actively participates in forums/activities/
dalam forum/kegiatan/kerja sama terkait Keuangan cooperation related to Sustainable Finance at the
Berkelanjutan, baik dalam tingkat Internasional/ International/National levels.
Nasional.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 15
Page 16
Ikhtisar Kinerja Keberlanjutan
Untuk mencapai tujuan keuangan berkelanjutan, Bank To achieve sustainable financial goals, Bank Artha Graha
Artha Graha Internasional telah membuat program atau Internasional has created a program or long-term work
rencana kerja jangka panjang yang termuat dalam RAKB. plan contained in the RAKB. As stated in the 2022 RAKB,
Seperti yang telah disampaikan dalam RAKB 2022, Bank the Bank sets priorities for implementing Sustainable
menetapkan prioritas penerapan Keuangan Berkelanjutan Finance in the following order:
dengan urutan sebagai berikut:
• Prioritas I: • Priority I:
Pengembangan Kapasitas internal (“Pengembangan Internal Capacity Building (“Capacity Building”)
Kapasitas”)
Tahap awal diperlukan peningkatan pemahaman The initial stage requires an increase in understanding of
keuangan berkelanjutan kepada seluruh jajaran sustainable finance at all levels before implementation,
sebelum dilakukan implementasi sehingga diharapkan so it is hoped that the performance of sustainable
penerapan keuangan berkelanjutan dapat lebih cepat finance can be realized more quickly.
terealisasi.
• Prioritas II: • Priority II:
Penyesuaian organisasi, manajemen risiko, tata kelola, Adjustment of organization, risk management,
dan/atau standar prosedur operasional (“Penyesuaian governance, and/or standard operating procedures
Organisasi”) (“Organization Adjustment”)
Setelah adanya pemahaman keuangan berkelanjutan After an understanding of sustainable finance,
maka diperlukan persiapan infrastuktur yaitu infrastructure preparation is needed. Namely,
penetapan struktur organisasi termasuk human the establishment of an organizational structure
capital, prosedur dan tata cara pelaksanaan keuangan including human capital, procedures and procedures
berkelanjutan disesuaikan dengan kondisi dan for implementing sustainable finance adapted to
kompleksitas Bank serta kesiapan sistem Informasi the conditions and complexity of the Bank, and the
Bank sebagai salah satu mitigasi risiko Bank di dalam readiness of the Bank’s information system as one of
implementasi keuangan berkelanjutan. the Bank’s risk mitigations in the implementation of
sustainable finance.
• Prioritas III: • Priority III:
Pengembangan produk dan/atau jasa keuangan Development of sustainable financial products and/
berkelanjutan termasuk peningkatan portofolio or services, including increasing financing portfolios,
pembiayaan, investasi atau penempatan pada investments, or placements in financial instruments
instrumen keuangan atau proyek yang sejalan dengan or projects that are in line with the implementation of
penerapan keuangan berkelanjutan (“Pengembangan sustainable finance (“Product Development”)
Produk”)
Setelah jajaran memahami dan infrastruktur After the ranks understand and the infrastructure has
telah disiapkan, maka tahapan berikutnya adalah been prepared, the next stage is the development of
pengembangan produk dan/atau jasa keuangan financial products and/or services for customers.
kepada Nasabah.
16 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 17
Sustainability Performance Overview
Sesuai dengan kapasitas yang dimilikinya, Bank telah Following its capacity, the Bank has a strategy and work
memiliki strategi dan rencana kerja untuk mencapai tujuan plan to achieve sustainable financial goals in the long
keuangan berkelanjutan dalam jangka panjang, sebagai term, as follows:
berikut:
1. Memperkuat kebijakan dan praktik pengelolaan 1. Strengthen the policies and practices of CSSR
program CSSR yang memperhatikan aspek 3P program management that pay attention to the 3P
(People, Planet, Profit) dengan kemitraan unsur ABCG (People, Planet, Profit) aspects with partnerships with
(Academy, Business, Community, and Government); ABCG elements (Academy, Business, Community, and
Government);
2. Pengembangan strategi komunikasi keuangan 2. Development of a digital-based sustainable financial
berkelanjutan berbasis digital dengan melibatkan communication strategy involving the millennial
generasi milenial; generation;
3. Penguatan kebijakan manajemen risiko, kebijakan 3. Strengthening risk management policies, policies, and
dan program dalam melalui penyusunan sustainability programs through the formulation of sustainability
policy, procedures, and strategy; policies, procedures, and strategies;
4. Pengembangan produk dan layanan perbankan 4. Development of banking products and services by
dengan memperhatikan Kategori Kegiatan Usaha taking into account the Sustainable Business Activities
Berkelanjutan (KKUB) melalui pembiayaan pada sektor Category (KKUB) through financing in sectors included
yang termasuk dalam Kegiatan Usaha Berwawasan in Environmentally Friendly Business Activities (KUBL);
Lingkungan (KUBL);
5. Pengembangan operasional perbankan berkelanjutan 5. Development of sustainable banking operations
melalui penerapan konsep green office dan pengadaan through the application of the green office concept
berkelanjutan ditunjang dengan Teknologi Informasi and sustainable procurement supported by adequate
yang memadai; dan information technology; and
6. Penguatan kapasitas lembaga melalui penataan 6. Strengthening institutional capacity through
kelembagaan dan penguatan kapasitas human capital institutional arrangements and strengthening human
yang memahami dan memiliki pengetahuan tentang capital capacity that understands and has knowledge
sustainable finance. of sustainable finance.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 17
Page 18
Ikhtisar Kinerja Keberlanjutan
Roadmap Keuangan Berkelanjutan
Sustainable Finance Roadmap
Target Kegiatan Prioritas Periode Tahun 2021-2025
Priority Activity Targets for Year Period in 2021-2025
Pengembangan Kapasitas Internal Bank Bank Internal Capacity Development
Tahun Keterangan Target mengikuti Training
Year Description Training Target
Sebagian besar pengurus, para pegawai di tingkat manajerial
pengambil keputusan dan staf terkait analisa kredit telah
mengikuti program peningkatan kapasitas terkait keuangan
2021 keberlanjutan. 70%
Most management, staff at the managerial level who make
decisions, and staff related to credit analysis have attended
capacity-building programs related to sustainable finance.
Peningkatan kualitas pengurus, para pegawai di tingkat
manajerial pengambil keputusan telah mengikuti program
peningkatan kapasitas terkait keuangan keberlanjutan.
80%
Improvement the quality of management, employees at
the managerial decision-making level have participated in a
2022–2025 capacity-building program related to sustainable finance.
Sebagian besar pegawai telah mengikuti program peningkatan
kapasitas terkait keuangan keberlanjutan.
50%
Most of the employees have participated in capacity-building
programs related to sustainable finance.
Penyesuaian Organisasi, Manajemen Risiko, Tata Kelola, dan/ Organizational Adjustments, Risk Management, Governance,
atau Standar Prosedur Operasional and/or Standard Operating Procedures
Tahun Keterangan Target
Year Description Target
Penyesuaian atau penyusunan pedoman implementasi • Finalisasi Pembiayaan Green Building
keuangan berkelanjutan. • Draft Pembiayaan Efisiensi Energi
• Draft Pembiayaan Energi Terbarukan
• Draft Pembiayaan Transportasi Hijau
Adjustment or preparation of guidelines for implementation • Finalization of Green Building Financing
of sustainable finance. • Energy Efficiency Financing Draft
2021 • Renewable Energy Financing Draft
• Green Transport Financing Draft
Penyesuaian klasifikasi kegiatan usaha Bank dengan kriteria Penentuan klasifikasi dimasukkan dalam sistem informasi Bank
dan kategori kegiatan usaha berkelanjutan. untuk mempermudah proses pemantauan dan pelaporan.
Adjustment of the classification of the Bank’s business Determination of classification is included in the Bank’s
activities with the criteria and categories of sustainable information system to facilitate the monitoring and reporting
business activities. process.
18 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 19
Sustainability Performance Overview
Tahun Keterangan Target
Year Description Target
Pembuatan scoring untuk sektor industri penyaluran Memiliki scoring risiko kredit untuk sektor industri yang
pembiayaan ramah lingkungan. berkaitan dengan risiko sosial, lingkungan, dan aktivitas bisnis.
Making scoring for the industrial sector for environmentally Has credit risk scoring for industrial sectors related to social,
friendly financing distribution. environmental, and business activity risks.
Review infrastruktur dan kegiatan operasional setelah 1 tahun Terdapat perbaikan proses operasional implementasi keuangan
berjalan sebelumnya. berkelanjutan.
2022-2025
Review of infrastructure and operational activities after the There is an improvement in the operational process of
previous 1 year. implementing sustainable finance.
Review pedoman terkait implementasi keuangan Telah dilakukan review dan pengkinian serta penyempurnaan
berkelanjutan yang telah diterbitkan. pedoman.
Review of guidelines related to implementing sustainable The guidelines have been reviewed and updated as well as
finance that has been issued. refined.
Pengembangan Produk dan/atau Jasa Keuangan Berkelanjutan Development of Sustainable Financial Products and/or Services,
termasuk Peningkatan Portofolio Pembiayaan, Investasi atau including Increasing Financing Portfolios, Investments, or
Penempatan pada Instrumen Keuangan atau Proyek yang Placements in Financial Instruments or Projects in Line with the
Sejalan dengan Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance
Tahun Keterangan Target
Year Description Target
Peningkatan jumlah portofolio yang KUBL 1 s/d 11: Rp129 miliar
tergolong produk dan/atau jasa KUBL 12 (UMKM) : Rp1.162,2 miliar
keuangan berkelanjutan. Jumlah : Rp1.291,2 miliar
2022
Increasing the number of portfolios KUBL 1 to 11: IDR129 billion
classified as sustainable financial KUBL 12 (UMKM): IDR1,162.2 billion
products and/or services. Total : IDR1,291.2 billion
Memberikan informasi dan edukasi 50% dari Nasabah terinformasi melalui e-mail yang terdaftar,
kepada Nasabah Bank tentang media sosial, website, SMS dan Whatsapp.
pembiayaan berkelanjutan yang
dilakukan secara berkesinambungan.
2023-2025
Providing information and education 50% of customers are informed via registered e-mail, social
to Bank customers regarding media, website, SMS and Whatsapp.
sustainable financing that is carried
out on an ongoing basis.
Melalui tahapan-tahapan di atas, Bank Artha Graha Through the above stages, Bank Artha Graha Internasional
Internasional memperkuat landasan untuk berkontribusi strengthens the foundation to contribute to and support
dan mendukung keberhasilan pencapaian pembangunan the achievement of sustainable development as stated in
berkelanjutan sebagaimana tertuang dalam Peraturan the Presidential Regulation of the Republic of Indonesia
Presiden Republik Indonesia No. 111 Tahun 2022 No. 111 of 2022 concerning Implementation of Achieving
tentang Pelaksanaan Pencapaian Tujuan Pembangunan Sustainable Development Goals.
Berkelanjutan.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 19
Page 20
Ikhtisar Kinerja Keberlanjutan Budaya Keberlanjutan [OJK F.1] Culture of Sustainability [OJK F.1] Bank Artha Graha Internasional berkomitmen untuk Bank Artha Graha Internasional is committed to running menjalankan bisnis berkelanjutan. Untuk mewujudkan a sustainable business. To realize this goal, the Bank tujuan tersebut, Bank melakukan penyesuaian dan makes adjustments and acceleration, especially internally, akselerasi, khususnya di internal dengan membuat by creating policies and activities that lead to a culture kebijakan dan kegiatan yang mengarah kepada budaya or values of sustainability in terms of education and atau nilai-nilai keberlanjutan, baik dari sisi pendidikan training, products and services, the Company’s social dan pelatihan, produk dan jasa, aktivitas kegiatan movements, and business partners. The Bank hopes all sosial Perseroan, serta mitra usaha. Bank berharap parties understand and carry out sustainability values in semua pihak memahami dan menjalankan nilai-nilai its business activities. The sustainability culture or values keberlanjutan pada seluruh kegiatan usahanya. Budaya in question include how each employee carries out their atau nilai-nilai keberlanjutan yang dimaksud di antaranya duties and responsibilities professionally and honestly, bagaimana setiap karyawan menjalankan tugas dan avoids conflicts of interest, provides the best service for tanggung jawabnya secara profesional dan berintegritas, customers and is aware of being environmentally friendly. menghindari konflik kepentingan, memberi pelayanan terbaik bagi nasabah dan memiliki kesadaran ramah lingkungan. Bercermin pada pentingnya budaya dan nilai-nilai Reflecting on the importance of the culture and values keberlanjutan tersebut, yang sesungguhnya telah of sustainability, which are contained in the vision, terkandung dalam visi, misi, nilai-nilai, budaya, dan Kode mission, values, culture, and Code of Ethics, the Bank Etik, Bank terus melakukan sosialisasi kepada segenap continues disseminating information to all stakeholders. pemangku kepentingan. Sosialisasi penting dilakukan Socialization is essential to ensure that all of the Bank’s untuk memastikan seluruh kegiatan operasional Bank operational activities are based on high morals, ethics, dilandasi oleh moral, etika dan integritas yang tinggi. and integrity. Exercises to build a sustainable culture Kegiatan membangun budaya berkelanjutan di perbankan in banking are carried out formally and non-formally, dilakukan secara formal dan non-formal seperti materi such as training materials for new employees on the pembekalan terhadap karyawan baru terhadap nilai- Company’s values, code of ethics and culture, morning nilai, kode etik dan budaya Perseroan, morning briefing, briefings, whistleblowing mechanisms, socialization of mekanisme whistleblowing, sosialisasi perilaku ramah environmentally friendly behavior to capacity building lingkungan sampai dengan pengembangan kapasitas through training. melalui pelatihan. Sesuai rencana dalam RAKB tahun 2022, Bank telah According to the plan in the 2022 RAKB, the Bank has mewujudkan program prioritas sebagai berikut: realized the following priority programs: Pencapaian Prioritas 1: Pengembangan Kapasitas Achievement of Priority 1: Capacity Building Pengembangan kapasitas human capital merupakan The development of human capital capacity is essential syarat dasar bagi Bank untuk mengimplementasi for the Bank to implement sustainable finance. In line with keuangan berkelanjutan. Sejalan dengan keberhasilan the government’s success in dealing with the COVID-19 pemerintah menangani pandemi COVID-19 pada tahun pandemic in 2022, including easing the Implementation 2022, termasuk pelonggaran Pemberlakuan Pembatasan of Restrictions on Community Activities (PPKM), even Kegiatan Masyarakat (PPKM), bahkan bermuara dengan leading to revocation at the end of 2022, the Bank has pencabutan pada akhir tahun 2022, Bank memiliki the flexibility to carry out capacity-building programs. keleluasan untuk melakuan program pengembangan As of December 31, 2022, a total of 567 program 20 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 21
Sustainability Performance Overview
kapasitas. Per 31 Desember 2022, sebanyak 567 program pengembangan kompetensi employees from various
pengembangan kompetensi karyawan dari berbagai level levels ranging from Commissioners, Directors, Associate
mulai dari Komisaris, Direktur, Associate Director, Deputy Directors, Deputy Directors, and Executive Officers to
Director, Executive Officer hingga staf telah diikutsertakan staff have been involved in multiple sustainable finance
dalam berbagai topik pelatihan keuangan berkelanjutan training topics organized by external and internal parties.
yang diselenggarakan oleh pihak eksternal dan internal.
Berikut adalah pelatihan-pelatihan yang telah The following are the training that have been carried out:
dilaksanakan:
Materi Tanggal Penyelenggara Unit/Jabatan Peserta
Materials Date Organizers Unit/Participants Position
Orientasi Karyawan Baru (OKB) : Service, Sustainable
Finance dan Digital Banking Awareness 29 Januari 2022 Eksternal - LPPI Staf
New Employee Orientation (OKB): Service, Sustainable January 29, 2022 External - LPPI Staff
Finance and Digital Banking Awareness
26 Maret 2022 Eksternal - LPPI Calon Account Officer
Account Officer Program (AOP) X : Sustainable Finance
March 26, 2022 External - LPPI Account Officer Candidates
Sharing Sustainable Finance : Pemanasan Global 30 Maret 2022 Internal - Yensen Aliamin EO, SO, AO dan Staf
Sharing Sustainable Finance: Global Warming March 30, 2022 Internal - Yensen Aliamin EO, SO, AO and Staff
Program CS - Teller Tingkat Dasar : Sustainable Finance
dan Digital Banking Awareness 31 Maret 2022 Eksternal - Infobank CS dan Teller
Basic CS - Teller Program: Sustainable Finance and March 31, 2022 External - Infobank CS and Teller
Digital Banking Awareness
Sharing Sustainable Finance : Bagaimana Sikap Kritis Komisaris, EO, SO, AO, Teller
Terhadap Net Zero 5 April 2022 Internal - Yensen Aliamin dan Staf
Sharing Sustainable Finance: How to be Critical of Net April 5, 2022 Internal - Yensen Aliamin Commissioners, EO, SO, AO,
Zero Teller, and Staff
Sharing Sustainable Finance : Pilih Mana Risiko Fisik
atau Risiko Transisi 12 April 2022 Internal - Yensen Aliamin EO, AO dan Staf
Sharing Sustainable Finance: What to Choose: Physical April 12, 2022 Internal - Yensen Aliamin EO, AO and Staff
Risk or Transition Risk
Sharing Sustainable Finance : Penghargaan Terhadap
Transparansi dan Penurunan Emisi yang Diperoleh Bank
Artha Graha Internsional Tbk 27 April 2022 Internal - Yensen Aliamin DD, EO, SO, AO dan Staf
Sharing Sustainable Finance: Bank Artha Graha April 27, 2022 Internal - Yensen Aliamin DD, EO, SO, AO and Staff
Internasional Tbk’s Transparency and Emission
Reduction Award
Sharing Sustainable Finance : Sharing SF yang Berada EO, AO, Staf dan peserta Tour
di Artha Graha Grup 10 Mei 2022 Internal - Yensen Aliamin of Duty
Sharing Sustainable Finance: Artha Graha Group’s SF May 10, 2022 Internal - Yensen Aliamin EO, AO, Staff, and participants
Sharing of the Tour of Duty
EO, AO, Staf dan peserta Tour
Sharing Sustainable Finance : Framework & Green 17 Mei 2022 Internal - Yensen Aliamin of Duty
Office May 17, 2022 Internal - Yensen Aliamin EO, AO, Staff, and participants
of the Tour of Duty
Sharing Sustainable Finance : Mendukung
Keberlanjutan Melalui Produk Pendanaan, Pembiayaan, EO, AO, Staf dan peserta Tour
Investasi, Layanan (2) 31 Mei 2022 Internal - Yensen Aliamin of Duty
Sharing Sustainable Finance: Supporting Sustainability May 31, 2022 Internal - Yensen Aliamin EO, AO, Staff, and participants
through Funding Products, Financing, Investment, of the Tour of Duty
Services (2)
EO, AO, Staf dan peserta Tour
Sharing Sustainable Finance : Sustainable Finance (Aset)
7 Juni 2022 Internal - Yensen Aliamin of Duty
Sharing Sustainable Finance: Sustainable Finance
June 7, 2022 Internal - Yensen Aliamin EO, AO, Staff, and participants
(Assets)
of the Tour of Duty
Marketing Dasar : Sustainable Finance Awareness 11 Juni 2022 Eksternal - LPPI AO, CS, Teller dan Staf
Basic Marketing - Sustainable Finance Awareness June 11, 2022 External - LPPI AO, CS, Teller and Staff
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 21
Page 22
Ikhtisar Kinerja Keberlanjutan
Materi Tanggal Penyelenggara Unit/Jabatan Peserta
Materials Date Organizers Unit/Participants Position
Sharing Sustainable Finance : Sustainable Finance EO, AO, Staf dan peserta Tour
(Implementasi Taksonomi Hijau Indonesia) 14 Juni 2022 Internal - Yensen Aliamin of Duty
Sharing Sustainable Finance: Sustainable Finance June 14, 2022 Internal - Yensen Aliamin EO, AO, Staff, and participants
(Implementation of the Indonesian Green Taxonomy) of the Tour of Duty
Sharing Sustainable Finance : Konsep Ekonomi Rendah
Karbon 21 Juni 2022 Internal - Yensen Aliamin EO, SO, AO dan Staf
Sharing Sustainable Finance: Low Carbon Economy June 21, 2022 Internal - Yensen Aliamin EO, SO, AO and Staff
Concept
Sharing Sustainable Finance : Konsep Ekonomi Rendah
Karbon 28 Juni 2022 Internal - Yensen Aliamin EO, SO, AO dan Staf
Sharing Sustainable Finance: Low Carbon Economy June 28, 2022 Internal - Yensen Aliamin EO, SO, AO and Staff
Concept
Sharing Sustainable Finance : Kegiatan Usaha EO, SO, AO, CS, Teller dan
Berwawasan Lingkungan (KUBL) 19 Juli 2022 Internal - Yensen Aliamin Staf
Sharing Sustainable Finance: Environmentally Friendly July 19, 2022 Internal - Yensen Aliamin EO, SO, AO, CS, Teller, and
Business Activities (KUBL) Staff
Sharing Sustainable Finance : Doing Well by Doing 26 Juli 2022 Internal - Yensen Aliamin EO, SO, AO dan Staf
Good July 26, 2022 Internal - Yensen Aliamin EO, SO, AO, and Staff
CS Teller Dasar - Sustainable Finance 28 Juli 2022 Eksternal - DHR CS dan Teller
Basic CS Teller - Sustainable Finance July 28, 2022 External - DHR CS and Teller
2 Agustus 2022 Internal - Yensen Aliamin EO, SO, AO dan Staf
Sharing Sustainable Finance : Food Security
August 2, 2022 Internal - Yensen Aliamin EO, SO, AO, and Staff
Sharing Sustainable Finance : Penerapan Keberlanjutan
Komisaris, EO, SO dan Staf
pada Organisasi 9 Agustus 2022 Internal - Yensen Aliamin
Commissioners, EO, SO, and
Sharing Sustainable Finance: Implementation of August 9, 2022 Internal - Yensen Aliamin
Staff
Sustainability in Organizations
Sharing Sustainable Finance : Angsa dan Badak 16 Agutus 2022 Internal - Yensen Aliamin Komisaris, SO dan Staf
Sharing Sustainable Finance: Swan and Rhino August 16, 2022 Internal - Yensen Aliamin Commissioners, SO, and Staff
Komisaris, EO, SO, AO dan
Sharing Sustainable Finance : Circular Agriculture with 23 Agustus 2022 Eksternal - Thomas Van Rossum Staf
Agrodite August 23, 2022 External - Thomas Van Rossum Commissioners, EO, SO, AO,
and Staff
Sharing Sustainable Finance : Spesial SFSS #25: Ikhtisar Komisaris, EO, SO, AO dan
Konsep-konsep Utama SFSS #1-24 30 Agustus 2022 Internal - Yensen Aliamin Staf
Sharing Sustainable Finance: SFSS Special #25: August 30, 2022 Internal - Yensen Aliamin Commissioners, EO, SO, AO,
Overview of Key Concepts of SFSS #1-24 and Staff
Operasional Dasar 2022 - Sustainable Finance
1 September 2022
Awareness Eksternal - LPPI Head Teller, Teller, dan Staf
September 1,
Basic Operationals 2022 - Sustainable Finance External - LPPI Head Teller, Teller, and Staff
2022
Awareness
Basic Banking Knowledge : Sustainable Finance 3 September 2022
Eksternal - LPPI Direktur, Staf dan AGN
Awareness, Overview Risk Management, dan Digital September 3,
External - LPPI Directors, Staff, and AGN
Banking Awareness 2022
Sosialisasi Sustainable Finance - Modul 1 10 September DD, EO, SO, AO, CS, Teller,
(Keberlanjutan) 2022 Internal - Yensen Aliamin dan Staf
Sustainable Finance Socialization - Modul 1 September 10, Internal - Yensen Aliamin DD, EO, SO, AO, CS, Teller,
(Sustainability) 2022 and Staff
22 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 23
Sustainability Performance Overview
Materi Tanggal Penyelenggara Unit/Jabatan Peserta
Materials Date Organizers Unit/Participants Position
Sosialisasi Sustainable Finance - Modul 2 17 September DD, EO, SO, AO, CS, Teller,
(Keuangan Keberlanjutan) 2022 Internal - Yensen Aliamin dan Staf
Sustainable Finance Socialization - Modul 2 September 17, Internal - Yensen Aliamin DD, EO, SO, AO, CS, Teller,
(Sustainability Finance) 2022 and Staff
Orientasi Karyawan Baru (OKB) Batch 2 : Sustainable 21 September
Finance & Digital Banking Awareness 2022 Eksternal - LPPI Staf
New Employee Orientation (OKB) Batch 2: Sustainable September 21, External - LPPI Staff
Finance & Digital Banking Awareness 2022
Sosialisasi Sustainable Finance - Modul 3 24 September DD, EO, SO, AO, CS, Teller,
(Iklim & Bank) 2022 Internal - Yensen Aliamin dan Staf
Sustainable Finance Socialization - Modul 3 (Climate & September 24, Internal - Yensen Aliamin DD, EO, SO, AO, CS, Teller,
Banks) 2022 and Staff
Sosialisasi Sustainable Finance - Modul 4 DD, EO, SO, AO, CS, Teller,
(Pembiayaan Berkelanjutan) 1 Oktober 2022 Internal - Yensen Aliamin dan Staf
Sustainable Finance Socialization - Modul 4 (Sustainable October 1, 2022 Internal - Yensen Aliamin DD, EO, SO, AO, CS, Teller,
Financing) and Staff
EO, SO, AO, CS, Teller, dan
Sharing Sustainable Finance : Perang Informasi 14 Oktober 2022 Internal - Yensen Aliamin Staf
Sharing Sustainable Finance: Information War October 14, 2022 Internal - Yensen Aliamin EO, SO, AO, CS, Teller, and
Staff
20 Oktober 2022 Internal - Yensen Aliamin EO, SO, AO, Teller, dan Staf
Sharing Sustainable Finance : Water Security
October 20, 2022 Internal - Yensen Aliamin EO, SO, AO, Teller, and Staff
Sharing Sustainable Finance : Environmental & Social 25 Oktober 2022 Internal - Yensen Aliamin EO, SO, AO, dan Staf
Management System October 25, 2022 Internal - Yensen Aliamin EO, SO, AO, and Staff
16 November
2022 Eksternal - LPPI Calon AO
AOP XI : Sustainable Finance Awareness
November 16, External - LPPI AO Candidates
2022
Marketing Dasar : Digital Banking Awareness & 18 November
Sustainable Finance Awareness 2022 Eksternal - LPPI CS, Teller, dan Staf
Basic Marketing: Digital Banking Awareness & November 18, External - LPPI CS, Teller, and Staff
Sustainable Finance Awareness 2022
21 November
CS Teller Dasar : Sustainable Finance 2022 Eksternal - LPPI CS dan Teller
Basic CS Teller: Sustainable Finance November 21, External - LPPI CS and Teller
2022
CS Teller Dasar : Digital Banking Awareness &
Sustainable Finance 2 Desember 2022 Eksternal - LPPI CS dan Teller
Basic CS Teller: Digital Banking Awareness & December 2, 2022 External - LPPI CS and Teller
Sustainable Finance
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 23
Page 24
Ikhtisar Kinerja Keberlanjutan
Selain berupa pelatihan, Bank juga mendorong dan Apart from training, the Bank also encourages and
mendukung partisipasi karyawan dalam berbagai kegiatan supports employee participation in various external
eksternal yang dapat mempercepat pengembangan activities that can accelerate capability development.
kapabilitas. Beberapa contoh partisipasi karyawan dalam Some examples of employee participation in virtual
virtual seminar, forum komunikasi, survei dan lainnya seminars, communication forums, surveys, and others are
adalah sebagai berikut: as follows:
Materi Tanggal Penyelenggara
Material Date Organizer
Menghindari dan Mengantisipasi Trend Kejahatan Siber Perbankan di Era Digital yang
Semakin Marak (Refreshment Manajemen Risiko) 27 Januari 2022 IBI-BCC
Avoiding and Anticipating the Trend of Banking Cybercrime in the Digital Era (Risk January 27, 2022 IBI-BCC
Management Refreshment)
Refreshment Sertifikasi Treasury 29 Januari 2022 PT Raharja Duta Solusindo (RDS)
Treasury Certification Refreshment January 29, 2022 PT Raharja Duta Solusindo (RDS)
2 Februari 2022 -
April 2022 Unika Atmajaya
Certified Human Resources Professional (CHRP)
February 2, 2022 Unika Atmajaya
- April 2022
Kegiatan Capacity Building Dalam Rangka Edukasi Refreshment Ketentuan Sistem 10-13 Februari
Pembayaran Non Tunai 2022 Bank Indonesia
Capacity Building Activities for Education Refreshment of Non-Cash Payment System February 10-13, Bank Indonesia
Provisions 2022
Badan Musyawarah Perbankan
12-17 Februari Daerah (BMPD) Sulawesi
Studi Banding Ke Labuan Bajo, NTT dan Bali 2022 Tenggara
Comparative Study to Labuan Bajo, NTT, and Bali February 12-17, Regional Banking Deliberation
2022 Board (BMPD) of Southeast
Sulawesi
15 Februari 2022 -
16 April 2022 Unika Atmajaya
Advanced Human Capital Accomplished (AHCA)
February 15, 2022 Unika Atmajaya
- April 16, 2022
Kegiatan Capacity Building dalam Rangka CBP Rupiah dan Refreshment Ketentuan 18-20 Februari
Pengelolaan Uang Rupiah 2022 Bank Indonesia
Capacity Building Activities for Rupiah Cbp and Refreshment of Rupiah Money February 18-20, Bank Indonesia
Management Provisions 2022
Pembekalan Treasury Dealer Level Advanced 26 Februari 2022 ACI FMA Indonesia
Advanced Level Treasury Dealer Debriefing February 26, 2022 ACI FMA Indonesia
9-10, 12 Maret
Pembekalan dan Ujian Sertifikasi Compliance Level 1 2022 FKDKP dan LSPP
Debriefing and Exam of Level 1 Compliance Certification March 9-10, 12, FKDKP and LSPP
2022
16-19 Maret 2022 Unika Atmajaya
Administrative Human Resources Professional (AHRP)
March 16-19, 2022 Unika Atmajaya
Strategi Pengedaran Uang Menghadapi Hari Raya Idul Fitri Tahun 2022 dan Refreshment
Aplikasi Cbs, Silk dan Bi-Cac dengan Perbankan Di Wilayah Kantor Kerja Kantor
Perwakilan Bank Indonesia Provinsi Sumatra Utara 25-27 Maret 2022 Bank Indonesia
Money Circulation Strategy in Facing Eid Al-Fitr 2022 and Refreshment of Cbs, Silk, March 25-27, 2022 Bank Indonesia
and Bi-Cac Applications with Banks in the Work Area of Bank Indonesia Representative
Office of North Sumatra Province
12-14, 16 April
Pembekalan dan Ujian Sertifikasi Compliance Level 2 2022 FKDKP dan LSPP
Debriefing and Exam of Level 2 Compliance Certification April 12-14, 16, FKDKP and LSPP
2022
18-19,23 April
Pembekalan dan Ujian Sertifikasi Manajemen Risiko Level 3 2022 LPPI dan LSPP
Debriefing and Exam of Level 3 Risk Management Certification April 18-19, 23, LPPI and LSPP
2022
24 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 25
Sustainability Performance Overview
Materi Tanggal Penyelenggara
Material Date Organizer
Transformasi Digital Perbankan Penguatan Arah Bisnis dan Penyelenggaraan
Transformasi Digital yang Ideal Serta Berbasis Manajemen Risiko (Refreshment
Manajemen Risiko) 20 April 2022 Risiko Manajemen Gagasan
Banking Digital Transformation Strengthening Business Direction and Implementation April 20, 2022 (RMG)
of Ideal Digital Transformation and Based on Risk Management (Risk Management
Refreshment)
13 Mei 2022 Perbanas
Economic Recovery In Asean + 3 : New Drives Of Growth Optimist
May 13, 2022 Perbanas
19 Mei 2022 Jakarta Webinar
Bank Digitalization : Lessons Learned From Asian Countries
May 19, 2022 Jakarta Webinar
Capacity Building dalam Rangka Edukasi BCP Rupiah dan Refreshment Ketentuan
Pengelolaan Uang Rupiah 13-16 Mei 2022 Bank Indonesia
Capacity Building for BCP Rupiah Education and Refreshment of Rupiah Money May 13-16, 2022 Bank Indonesia
Management Provisions
Capacity Building dalam Rangka Edukasi dan Refreshment Ketentuan Sistem
Pembayaran Non Tunai 26-29 Mei 2022 Bank Indonesia
Capacity Building for Education and Refreshment of Non-Cash Payment System May 26-29, 2022 Bank Indonesia
Provisions
9 Juni 2022 Otoritas Jasa Keuangan (OJK)
Preventing & Combating Financial Crime in Financial Service Industry
June 9, 2022 Financial Services Authority (OJK)
28 Juni 2022 -
1 September 2022 Binus Center Bintaro
Social Media Content Creator
June 28, 2022 - Binus Center Bintaro
September 1, 2022
Pembekalan dan Ujian Sertifikasi SPPUR level 6 (Eksekutif), Modul Penukaran Valuta IBI-BCC dan Lembaga Sertifikasi
Asing dan Pembawaan Uang Kertas Asing 7 & 23 Juli 2022 Profesi Perbankan (LSPP)
SPPUR level 6 (Executive) Certification Debriefing and Examination, Foreign Exchange July 7 & 23, 2022 IBI-BCC and Banking Professional
and Foreign Banknote Handling Module Certification Institute (LSPP)
IBI-BCC dan Lembaga Sertifikasi
Pembekalan Sertifikasi SPPUR Level 6 (Eksekutif), Modul Setelmen Transaksi Tresuri
11-12 Juli 2022 Profesi Perbankan (LSPP)
SPPUR level 6 (Executive) Certification Debriefing, Treasury Transaction Settlement
July 11-12, 2022 IBI-BCC and Banking Professional
Module
Certification Institute (LSPP)
Evaluasi Perkasan Forum Kasir Perbankan (Forkap) dan Ikatan Kliring Perbankan Bank
Indonesia (KP BI) Tahun 2022 15-17 Juli 2022 Bank Indonesia
Evaluation of Banking Cashier Forum (Forkap) and Bank Indonesia Banking Clearing July 15-17, 2022 Bank Indonesia
Association (KP BI) of 2022
Lembaga Pengembangan
Perbankan Indonesia (LPPI)
dan Lembaga Sertifikasi Profesi
19, 20, 23 Juli 2022
Pembekalan dan Ujian Sertifikasi Manajemen Risiko Level II Perbankan (LSPP)
July 19, 20, 23,
Debriefing and Exam of Level II Risk Management Certification Indonesian Banking Development
2022
Institute (LPPI) and Banking
Professional Certification Institute
(LSPP)
Lembaga Pengembangan
Workshop PKPU dan Kepalilitan dalam Perspektif Kreditur Perbankan 20 Juli 2022 Perbankan Indonesia (LPPI)
Workshop on PKPU and Bankruptcy from the Perspective of Banking Creditors July 20, 2022 Indonesian Banking Development
Institute (LPPI)
SEOJK No. 34/SEOJK.03/2021 Panduan Melakukan Update Buku Pedoman (SOP) 10-11 Agustus
Akuntansi Bank (Berlaku Sejak 31 Desember 2021) 2022 Risiko Manajemen Gagasan
SEOJK No. 34/SEOJK.03/2021 Guidance on Updating Bank Accounting Manual (SOP) August 10-11, (RMG)
(Effective from December 31, 2021) 2022
METADATA: APOLO DAN ANTASENA Pemanfaatan Metadata dalam Apolo dan 23-24 Agustus
Antasena Panduan Perhitungan ATMR (Risiko Kredit dan Operasional) 2022 Risiko Manajemen Gagasan
METADATA: APOLO AND ANTASENA Utilization of Metadata in Apolo and Antasena August 23-24, (RMG)
RWA Calculation Guidelines (Credit and Operational Risk) 2022
Sosialisasi Sistem Pembayaran 2025: Pengembangan Sistem Pembayaran Ritel, Adaptasi 13-14 Agustus
Transformasi dan Kolaborasi di Era Digital 2022 Bank Indonesia & FKKJ
Socialization of Payment System in 2025: Retail Payment System Development, August 13-14, Bank Indonesia & FKKJ
Transformation Adaptation and Collaboration in the Digital Era 2022
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 25
Page 26
Ikhtisar Kinerja Keberlanjutan
Materi Tanggal Penyelenggara
Material Date Organizer
Pelatihan Berbasis Kompetensi - Jenjang Kualifikasi SPPUR 5, Modul Penukaran Valuta 18-19 Agustus
Asing dan Pembawa Uang Kertas Asing 2022 IBI - Banking Competency Center
Competency-Based Training - Qualification Level SPPUR 5, Module of Foreign Exchange August 18-19, IBI - Banking Competency Center
and Foreign Banknote Carrier 2022
EfektifPro & Lembaga Sertifikasi
18-19 Agustus
Profesi Perbankan (LSPP)
Pembekalan dan Ujian Sertifikasi Treasury Dealer Level Basic (1) 2022
EffectivePro & Banking
Debriefing and Exam of Treasury Dealer Certification of Basic Level (1) August 18-19,
Professional Certification Institute
2022
(LSPP)
19-21 Agustus
2022 Bank Indonesia Semarang
Education & Capacity Building
August 19-21, Bank Indonesia of Semarang
2022
Webinar Prospek Hak Kekayaan Intelektual (HKI) sebagai Jaminan Utang 1 September 2022 Otoritas Jasa Keuangan (OJK)
Webinar on the Prospects of Intellectual Property Rights (IPR) as Debt Collateral September 1, 2022 Financial Services Authority (OJK)
2-3 September
Sertifikasi BNSP Bidang SDM 2022 BNSP
BNSP Certification in HR Field September 2-3, BNSP
2022
5-6 September Lembaga Pengembangan
Rencana Kerja & Laporan Kepatuhan 2022 Perbankan Indonesia (LPPI)
Work Plan & Compliance Report September 5-6, Indonesian Banking Development
2022 Institute (LPPI)
5-7 September
Sertifikasi - Jenjang Kualifikasi SPPUR 5 Setelmen Pembayaran Transaksi Trade Finance
2022 IBI - Banking Competency Center
Certification - Qualification Level SPPUR 5 Trade Finance Transaction Payment
September 5-7, IBI - Banking Competency Center
Settlement
2022
Implementasi Metadata sebagai Integrasi Pelaporan : Tata Cara Pengisian Laporan Bank 14-15 September Banking Finance Development
UMUM Terintegrasi (LBUT) 2022 Center
Implementation of Metadata as Reporting Integration: Procedures for Filling in the September 14-15, Banking Finance Development
Integrated General Bank Report (LBUT) 2022 Center
Persiapan Kebutuhan serta Pemahaman Struktur Dana dan Tata Cara Pelaporan pada 15-16 September Banking Finance Development
Aplikasi Sistem Pengawasan OJK BOX (OBOX) 2022 Center
Preparation of Needs and Understanding of the Fund Structure and Reporting September 15-16, Banking Finance Development
Procedures in the OJK BOX Supervisory System Application (OBOX) 2022 Center
12-13 September
Teknik Interrogative dan Investigative Interview 2022 Asia Anti Fraud (AAF)
Interrogative and Investigative Techniques in Interview September 12-13, Asia Anti Fraud (AAF)
2022
15-16 September
KPMM - ATMR : How to Comply With OJK Roadmap Report 2022 Learning Media Indonesia
KPMM - ATMR : How to Comply With OJK Roadmap Report September 15-16, Learning Media Indonesia
2022
18-19 September
Internal Seminar on Navigating Modern Banking Operation in a Changing World during 2022 Bank Indonesia (BI)
the Geopolitical Tension September 18-19, Bank Indonesia (BI)
2022
SEOJK No. 12/SEOJK.03/2021: Rencana Bisnis Bank (RBB) Panduan Menyusun 21-22 September
Kebijakan dan Strategi Manajemen dalam RBB 2022 Risiko Manajemen Gagasan
SEOJK No. 12/SEOJK.03/2021: Bank Business Plan (RBB) Guidelines for Developing September 21-22, (RMG)
Management Policies and Strategies in the RBB 2022
26 September
2022 – 5 Oktober
PDP 1 (Pendidikan Penilaian Jaminan) 2022 MAPPI Pusat
PDP 1 (Collateral Assessment Education) September 26, MAPPI Center
2022 - October 5,
2022
26 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 27
Sustainability Performance Overview
Materi Tanggal Penyelenggara
Material Date Organizer
28 September
2022 ProPeople Indonesia
Finance For Human Capital Leader
September 28, ProPeople Indonesia
2022
Liquidity & Market Risk Management: Strategi Pengelolaan Likuiditas & Pasar (LCR, 28-29 September
NSFR & IRRBB) serta Analisa Perilaku Nasabah 2022 KeyPro Learning Management
Liquidity & Market Risk Management: Liquidity & Market Management Strategies (LCR, September 28-29, KeyPro Learning Management
NSFR & IRRBB) and Customer Behavior Analysis 2022
Webinar - Perlindungan Konsumen di Era Digital 6 Oktober 2022 Otoritas Jasa Keuangan (OJK)
Webinar - Consumer Protection in the Digital Era October 6, 2022 Financial Services Authority (OJK)
Capacity Building - Edukasi & Refreshment 7-9 Oktober 2022 Bank Indonesia (BI)
Capacity Building - Education & Refreshment October 7-9, 2022 Bank Indonesia (BI)
Analisa Kredit Pemberian Usaha Mikro dalam Rangka Penyaluran KUR & Mengantisipasi 12-14 Oktober Banking Finance Development
Terjadinya Kredit Bermasalah 2022 Center
Credit Analysis of Micro Business Administration in the Context of KUR Disbursement & October 12-14, Banking Finance Development
Anticipating the Occurrence of Non-Performing Loans 2022 Center
Sinergi KPDHN di dalam Mendukung Pengelolaan DHN yang Akuntabel secara
14 Oktober 2022 Bank Indonesia (BI)
berkelanjutan oleh BI
October 14, 2022 Bank Indonesia (BI)
KPDHN Synergy in Support of Sustainable Accountable DHN Management by BI
Business Continuity Management (BCM) : Business Impact Analysis (BIA), Risk
Assessment (RA), Threat Assessment (TA), Business Continuity (BC) Plan and Strategy,
Business Recovery Center (BRC), Disaster Recovery Center (DRC), and Crisis Command 17-18 Oktober
Center (termasuk Kertas Kerja Implementasi) 2022 KeyPro Learning Management
Business Continuity Management (BCM) : Business Impact Analysis (BIA), Risk October 17-18, KeyPro Learning Management
Assessment (RA), Threat Assessment (TA), Business Continuity (BC) Plan and Strategy, 2022
Business Recovery Center (BRC), Disaster Recovery Center (DRC), and Crisis Command
Center (including Implementation Working Paper)
Persiapan Pelaporan 2023 - Roadmap Laporan OJK terkait ATMR & KPMM :
Perhitungan Pelaporan Risiko Kredit dan Risiko Operasional serta Pedoman bagi Bank 19-20 Oktober Banking Finance Development
dalam Persiapan Pelaporan 2023 2022 Center
2023 Reporting Preparation - OJK Reporting Roadmap related to RWA & CAR: October 19-20, Banking Finance Development
Credit Risk and Operational Risk Reporting Calculations and Guidelines for Banks in 2022 Center
Preparation for 2023 Reporting
EfektifPro & Lembaga Sertifikasi
20-22 Oktober
Profesi Perbankan (LSPP)
Sertifikasi Audit Level Supervisor (Level II) 2022
EffectivePro & Banking
Supervisor Level Audit Certification (Level II) October 20-22,
Professional Certification Institute
2022
(LSPP))
21-23 Oktober
Forum Komunikasi Kliring dan Kas BI Provinsi Jawa Timur 2022 Bank Indonesia (BI)
BI Clearing and Cash Communication Forum of East Java Province October 21-23, Bank Indonesia (BI)
2022
22-23 Oktober
Capacity Building - Petugas Kliring di Wilayah Solo Tahun 2022 2022 Bank Indonesia (BI)
Capacity Building - Clearing Officers in Solo Region in 2022 October 22-23, Bank Indonesia (BI)
2022
Refreshment Program APU-PPT : Regulasi Terbaru dan Pendanaan Terorisme di Era 27-28 Oktober Banking Finance Development
Digitalisasi 2022 Center
AML-CFT Program Refreshment : Latest Regulations and Terrorism Financing in the October 27-28, Banking Finance Development
Digitalization Era 2022 Center
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 27
Page 28
Ikhtisar Kinerja Keberlanjutan
Materi Tanggal Penyelenggara
Material Date Organizer
Liquidity Risk, Internal Stress Test dan Regulatory Stress Test (BASEL II - LCR dan NSFR)
serta memahami Kebutuhan ILAAP (Internal Liquidity Adequacy Assessment Process - 25-26 Oktober Banking Finance Development
OJK CP) 2022 Center
Liquidity Risk, Internal Stress Test, and Regulatory Stress Test (BASEL II - LCR and NSFR) October 25-26, Banking Finance Development
and understanding ILAAP (Internal Liquidity Adequacy Assessment Process - OJK CP) 2022 Center
Needs
29-30 Oktober
Focus Group Discussion (FGD) - Layanan Perkasan Semester II 2022 2022 Bank Indonesia (BI)
Focus Group Discussion (FGD) - Cash Services in Semester II of 2022 October 29-30, Bank Indonesia (BI)
2022
IBI - Banking Competency Center
31 Oktober 2022 &
& Lembaga Sertifikasi Profesi
12 November 2022
Pembekalan dan Ujian Sertifikasi SPPUR Level 6 - Modul Pengelolaan Transfer Dana Perbankan (LSPP)
October 31, 2022
Debriefing and SPPUR Level 6 Certification Exam - Funds Transfer Management Module IBI - Banking Competency
& November 12,
Center & Banking Professional
2022
Certification Institute (LSPP)
4-6 November
Sosialisasi Pengelolaan Uang Rupiah 2022 Bank Indonesia (BI)
Socialization of Rupiah Money Management November 4-6, Bank Indonesia (BI)
2022
17-18 November
2022 Learning Media Indonesia (LMI)
KPMM - ATMR: How to Comply with OJK Roadmap Report
November 17-18, Learning Media Indonesia (LMI)
2022
17-18 November Banking Finance Development
Analisa Keputusan Kredit Berdasarkan Analisa Cashflow 2022 Center
Credit Decision Analysis Based on Cashflow Analysis November 17-18, Banking Finance Development
2022 Center
Kegiatan Capacity Building Pengelolaan Uang Rupiah Kepada Perhimpunan Kasir 18-20 November
Perbankan Makassar (PKPM) Tahun 2022 2022 Bank Indonesia (BI)
Capacity Building Activities for Rupiah Money Management to the Makassar Banking November 18-20, Bank Indonesia (BI)
Cashier Association (PKPM) in 2022 2022
Memperkuat Cyber Resillience dalam Mendukung Kehandalan Ekosistem Sistem 19 November 2022
Pembayaran dan FMI Bank Indonesia Bank Indonesia (BI)
November 19,
Strengthening Cyber Resilience in Supporting the Reliability of Bank Indonesia Payment Bank Indonesia (BI)
System Ecosystem and FMI 2022
23-24 November
Pembekalan dan Ujian Sertifikasi Kepatuhan (Compliance) Level 1 2022 FKDKP
Debriefing and Exam of Level 1 Compliance Certification November 23-24, FKDKP
2022
Pentingnya Peran Dokumen/Arsip yang Baik dan Benar Pada Industri Perbankan 24 November 2022
PT Swadharma Sentra Solusi
The Importance of the Role of Good and Correct Documents/Archives in the Banking November 24,
PT Swadharma Sentra Solusi
Industry 2022
24-25 November
Keprotokolan dan Pembawa Acara 2022 PT Citra Multisolusi Indonesia
Protocol and Host November 24-25, PT Citra Multisolusi Indonesia
2022
25-26 November
Executive Gathering Tahun 2022 dalam Rangka Merayakan 12 Tahun Berdirinya ASPI 2022 ASPI
Executive Gathering in 2022 to Celebrate 12 Years of ASPI Establishment November 25-26, ASPI
2022
25-27 November
Refreshment Ketentuan Bagi Petugas Kliring dan Kasir Perbankan 2022 Bank Indonesia (BI)
Refreshment Provisions for Clearing Officers and Banking Cashiers November 25-27, Bank Indonesia (BI)
2022
28 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 29
Sustainability Performance Overview
Materi Tanggal Penyelenggara
Material Date Organizer
28 November 2022
Manajemen Konten Website Instansi/Perusahaan PT Citra Multisolusi Indonesia
November 28,
Agency/Company Website Content Management PT Citra Multisolusi Indonesia
2022
Rapat Koordinasi Pemenuhan Uang Rupiah Persiapan Libur Natal & Tahun Baru 2023
dan Refreshment Pengelolaan Uang Rupiah Kepada Pegawai Teller/Kasir/Pejabat yang
2-4 Desember
membawahi Pengelolaan Uang Rupiah Wilayah Kantor Perwakilan BI Probsu Tahun 2022
2022 KPwBI Provinsi Sumatra Utara
Coordination Meeting for the Fulfillment of Rupiah in Preparation for Christmas & New
December 2-4, KPwBI North Sumatra Province
Year Holidays 2023 and Refreshment of Rupiah Money Management to Teller/Cashier/
2022
Officials in charge of Rupiah Money Management in the Probsu BI Representative Office
Region in 2022
Pertemuan Tahunan Evaluasi Kegiatan Operasional Pertukaran Warkat Debet di Wilayah 2-4 Desember
Kerja KPwBI Provinsi Sumatra Utara 2022 KPwBI Provinsi Sumatra Utara
Annual Meeting Evaluation of Debit Card Exchange Operational Activities in the KPwBI December 2-4, KPwBI of North Sumatra Province
Working Area of North Sumatra Province 2022
2-4 Desember
Evaluasi Sistem Pembayaran Non Tunai dan Sosialisasi BI Fast 2022 Bank Indonesia (BI)
Evaluation of Non-Cash Payment System and BI Fast Socialization December 2-4, Bank Indonesia (BI)
2022
Pembekalan Sertifikasi SPPUR Level 6 (Eksekutif) Modul Penukaran Valuta Asing dan
Pembawaan Uang Kertas Asing 7 Desember 2022 IBI & LSPP
SPPUR Level 6 (Executive) Certification Briefing on Foreign Exchange Module and December 7, 2022 IBI & LSPP
Carrying Foreign Banknotes
Sosialisasi Laporan Bank Umum Terintergrasi (LBUT) Pelaporan Harian 8 Desember 2022 Bank Indonesia (BI)
Socialization of Integrated Commercial Bank Report (LBUT) Daily Reporting December 8, 2022 Bank Indonesia (BI)
21-23 Desember
2022 Liu Purnomo
Drone Mapping
December 21-23, Liu Purnomo
2022
Cara Menghindari Sanksi dari Regulator melalui Review & Implementasi “Tata cara
Pelaporan & Pengisian Laporan OJK: Sistem Layanan Informasi Keuangan (SLIK) Sesuai
27-28 Desember
POJK 64/POJK.03/2020 & Pengisian Laporan Aplikasi Pelaporan Online OJK (APOLO)
2022 Learning Banking Center
How to Avoid Sanctions from Regulators through Review & Implementation of
December 27-28, Learning Banking Center
“Procedures for Reporting & Filling OJK Reports: Financial Information Service System
2022
(SLIK) according to POJK 64/POJK.03/2020 & FSA Online Reporting Application
(APOLO)
Pencapaian Prioritas 2: Penyesuaian Organisasi Achievement of Priority 2: Organizational Adjustment
Bank berpendapat bahwa penerapan Keuangan The Bank believes that the implementation of Sustainable
Berkelanjutan tidak terlepas dari komitmen melakukan Finance is inseparable from the commitment to make
penyesuaian organisasi, manajemen risiko, tata kelola, adjustments to the organization, risk management,
dan/atau standar prosedur operasional dengan prinsip- governance, and/or standard operating procedures with
prinsip Keuangan Berkelanjutan yang dilakukan sesuai the principles of Sustainable Finance, which are carried
dengan visi, misi, rencana strategis, struktur organisasi, out by the vision, mission, strategic plans, organizational
serta tugas pokok dan fungsi (tupoksi) mengenai structure, and principal tasks and function regarding the
implementasi Keuangan Berkelanjutan. implementation of Sustainable Finance.
Penerapan penyesuaian struktur organisasi dapat dilakukan The implementation of adjustments to the organizational
dengan menambah tupoksi Keuangan Berkelanjutan pada structure can be implemented by adding the tasks and
unit yang sudah ada atau menambah unit khusus yang functions of Sustainable Finance to existing units or by adding
menjalankan program-program Keuangan Berkelanjutan. special teams that carry out Sustainable Finance programs.
Program penyesuaian organisasi lainnya berupa Another organizational adjustment program is completing
penyelesaian kebijakan dan prosedur yang terkait pada policies and procedures related to the Bank’s financing
aktivitas pembiayaan Bank. Hingga akhir Desember 2022, activities. Until the end of December 2022, the achievements
pencapaian Prioritas 2 adalah sebagai berikut: of Priority 2 are as follows:
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 29
Page 30
Ikhtisar Kinerja Keberlanjutan
Kegiatan Progres Target
Activity Progress Target
Penerbitan kebijakan dan prosedur Pembiayaan Energi Terbarukan Selesai
100%
Issuance of policies and procedures for Renewable Energy Financing Done
Penerbitan kebijakan dan prosedur Pembiayaan Transportasi Hijau Selesai
100%
Issuance of Green Transportation Financing policies and procedures Done
SOP Penyesuaian klasifikasi kegiatan usaha Bank dengan kriteria dan kategori kegiatan
usaha berkelanjutan
60% Q1/23
Standard operating procedures for adjusting the classification of the Bank’s business
activities with the criteria and categories of sustainable business activities
Pencapaian Prioritas 3: Pengembangan Produk Achievement of Priority 3: Product Development
Selama tahun 2022, Bank fokus pada upaya digitalisasi During 2022, the Bank will focus on digitalization efforts
dan pencapaian target bisnis. Oleh sebab itu, upaya and achieving business targets. For this reason, efforts to
pengembangan produk dan jasa Keuangan Berkelanjutan develop Sustainable Finance products and services have yet
masih belum dapat dilaksanakan secara optimal. to be implemented optimally. However, the Bank remains
Namun demikian, Bank tetap berkomitmen untuk committed to implementing Sustainable Finance through
mengimplementasikan Keuangan Berkelanjutan melalui several financing and fund placement activities. The table
beberapa aktivitas pembiayaan dan penempatan dana. below summarizes the realization of activities compared to
Tabel di bawah ini merangkum realisasi aktivitas dibanding the targets set.
dengan target yang sudah ditetapkan.
Realisasi
Aktivitas KUBL Target 2022 (Outstanding Per 31 Des 2022)
Activity KUBL Targets in 2022 Realization
(Outstanding as of Dec 31 2022)
Pembiayaan Kriteria Kegiatan Usaha
Berkelanjutan (KKUB) 1 s/d 12 Rp1.291,2 miliar Rp464,8 miliar
Financing Criteria for Sustainable 1 until 12 IDR1,291.2 billion IDR464.8 billion
Business Activities (KKUB)
30 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 31
Sustainability Performance Overview Bisnis yang Berintegritas Business with Integrity Implementasi keuangan berkelanjutan harus dimulai Sustainable finance implementation must start from within dari internal Bank. Salah satunya adalah bagaimana the Bank. One of them is how to create human capital so menciptakan human capital agar memiliki integritas yang that they have high integrity in carrying out their duties tinggi dalam menjalankan tugas dan tanggung jawabnya. and responsibilities. Bank Artha Graha Internasional Bank Artha Graha Internasional memastikan bahwa setiap ensures that every employee carries out the company’s karyawan menjalankan budaya dan nilai-nilai perusahaan, culture and values, is professional, maintains a code of profesional, menjaga kode etik dan terbebas dari konflik ethics, and is free from conflicts of interest that can harm kepentingan yang dapat merugikan Bank. the Bank. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 31
Page 32
Page 33
J u d u l
Page 34
Penjelasan Direksi
Penjelasan Direksi [GRI 2-22] [OJK D.1]
Explanation From The Board Of Directors [GRI 2-22] [OJK D.1]
Penerapan kebijakan strategis selama tahun 2022 bermuara
dengan pencapaian kinerja membanggakan. Selain mampu
mewujudkan sejumlah target, Bank juga meraih peningkatan
kinerja dibanding tahun sebelumnya antara lain berhasil
membukukan laba bersih yang meningkat dari tahun
sebelumnya.
The implementation of strategic policies during 2022 led to
the achievement of a proud performance. In addition to being
able to realize a number of targets, the Bank also achieved
an increase in performance compared to the previous year,
including succeeding in posting a net profit that increased
from the previous year.
Andy Kasih
Direktur Utama
President Director
Pemegang saham dan pemangku kepentingan yang kami Dear Shareholders and Stakeholders,
hormati,
Puji syukur kami panjatkan ke hadirat Tuhan yang Praise and gratitude to God Almighty for His grace and
Maha Esa karena atas kehendak-Nya, Bank Artha mercy, Bank Artha Graha Internasional could record an
Graha Internasional dapat membukukan kinerja terbaik excellent performance in 2022. The income from net
pada tahun 2022. Pendapatan bunga bersih, laba profit, operational profit, profit before tax, or current year
operasional, laba sebelum pajak maupun laba tahun profit shows significant improvement compared to the
berjalan menunjukkan peningkatan signifikan dibanding previous year. This achievement reflects high trust from
tahun sebelumnya. Pencapaian itu merupakan cerminan customers, one of the Bank’s main external stakeholders.
tingginya kepercayaan nasabah sebagai salah satu
pemangku kepentingan eksternal utama Bank.
Pencapaian tersebut tidak lepas dari kebijakan dan inisiatif This achievement is inseparable from the appropriate
strategis yang diambil dan diimplementasikan oleh Bank strategic policies and initiatives taken and implemented
selama tahun pelaporan. Lebih dari itu, keberhasilan by the Bank throughout the reported year. In addition,
tersebut juga merupakan dampak positif atas berlanjutnya this achievement also has a positive impact on Indonesian
pertumbuhan ekonomi Indonesia. Menurut Badan Pusat sustainable economic growth. According to the Central
Statistik, ekonomi Indonesia tahun 2022 tumbuh 5,31%, Bureau of Statistics, the Indonesian economy in 2022
naik dibanding tahun 2021, yang tercatat sebesar 3,69% grew by 5.31%, increasing from 2021, which only
(year on year/yoy). Keberhasilan tersebut ditopang recorded 3.69% (year on year/yoy). This achievement is
oleh tumbuhnya 17 lapangan usaha yang digunakan BPS also supported by the growth of 17 business fields used
dalam menyusun pertumbuhan ekonomi, salah satunya by BPS in preparing for economic growth, one of which
34 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 35
Board of Directors Explanation lapangan usaha atau sektor jasa keuangan, termasuk di is the financial service sector, which includes the banking dalamnya industri perbankan. Pada tahun 2022, sektor industry. In 2022, the financial service sector grew by jasa keuangan tumbuh 1,93% lebih tinggi dibanding 1.93%, higher than in 2021, which was 1.56%. tahun 2021, yang mencapai 1,56%. Sebagaimana diatur dalam Peraturan Otoritas Jasa As regulated in the Regulation of Financial Services Keuangan No. 51/POJK.03/2017 tentang Penerapan Authority No. 51/POJK.03/2017 concerning the Keuangan Berkelanjutan Bagi Lembaga Jasa Keuangan, Implementation of Sustainable Financial for Financial Emiten, dan Perusahaan Publik atau POJK Keuangan Service Institutions, Issuers, and Public Companies or Berkelanjutan, melalui Laporan Keberlanjutan inilah, the Sustainable POJK, the Bank conveys its successful Bank menyampaikan keberhasilan kinerja aspek ekonomi performance on the economic aspect in 2022 through this tahun 2022. Tak hanya pencapaian kinerja aspek ekonomi, Sustainability Report. As regulated in the OJK Regulation, sebagaimana diatur dalam peraturan OJK tersebut, this report not only shows its performance achievements laporan ini juga mencakup berbagai rencana, implementasi on the economic aspect but also covers some plans, dan kebijakan terkait kinerja aspek lingkungan dan sosial implementations, and policies related to performance in sebagai sebuah keselarasan. the environment and social aspects as a harmony. Bank Artha Graha Internasional dan Keuangan Berkelanjutan Bank Graha Internasional and Sustainable Finance Sebagai Bank Umum sekaligus perusahaan publik, Bank As a Commercial Bank and a public company, the Bank wajib menerapkan POJK Keuangan Berkelanjutan per must implement POJK Sustainable Finance as of January 1 Januari 2020. Merujuk peraturan tersebut, Keuangan 1, 2020. Referring to the regulation, Sustainable Finance is Berkelanjutan adalah dukungan menyeluruh dari sektor comprehensive support from the financial services sector jasa keuangan untuk menciptakan pertumbuhan ekonomi to create sustainable economic growth by harmonizing berkelanjutan dengan menyelaraskan kepentingan economic, social, and environmental interests. The ekonomi, sosial, dan lingkungan hidup. Terbitnya POJK issuance of the POJK Sustainable Finance has placed Keuangan Berkelanjutan telah menempatkan lembaga financial services institutions into an environmentally jasa keuangan ke dalam sistem keuangan yang ramah friendly financial system, as mandated in Law No. 32 lingkungan, sebagaimana diamanatkan dalam Undang- of 2009 concerning Environmental Protection and Undang No. 32 Tahun 2009 tentang Perlindungan dan Management. Article 43, paragraph 3, letter c, mentions Pengelolaan Lingkungan Hidup. Pada pasal 43, ayat the development of environmentally friendly financial 3, huruf c, disebutkan tentang pengembangan sistem institutions and capital markets systems. lembaga keuangan dan pasar modal yang ramah lingkungan hidup. Bank Artha Graha Internasional mendukung penerapan Bank Artha Graha Internasional supports the keuangan berkelanjutan sebagaimana diatur dalam implementation of sustainable finance as stipulated in the POJK Keuangan Berkelanjutan. Bahkan, Bank termasuk POJK Sustainable Finance. In fact, the Bank is one of the sebagai salah satu dari delapan bank yang menginisiasi eight banks that initiated the formation of the Indonesian terbentuknya Inisiatif Keuangan Berkelanjutan lndonesia Sustainable Finance Initiative (IKBI) with WWF Indonesia. (IKBI) bersama WWF lndonesia. Kedelapan bank yang The eight banks, which represent 46% of Indonesia’s mewakili 46% aset perbankan Indonesia tersebut banking assets, are members of “The First Movers on tergabung dalam kelompok “The First Movers on Sustainable Banking” group. Sustainable Banking”. Dukungan dan komitmen Bank dalam menerapkan The Bank’s support and commitment to implementing keuangan berkelanjutan juga diwujudkan dengan sustainable finance is also realized by preparing a menyusun Rencana Aksi Keuangan Berkelanjutan (RAKB), Sustainable Finance Action Plan (RAKB), as stipulated in seperti diatur dalam pasal 4 ayat (1) POJK Keuangan Article 4 paragraph (1) of the POJK Sustainable Finance. Berkelanjutan. RAKB yang menjadi bagian tidak The RAKB, an integral part of the Bank’s Business Plan terpisahkan dengan Rencana Bisnis Bank (RBB) berisi (RBB), contains various strategic plans, programs, and PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 35
Page 36
Penjelasan Direksi
berbagai rencana, program dan kebijakan strategis sebagai policies to implement sustainable finance principles.
implementasi prinsip-prinsip keuangan berkelanjutan. The Bank believes that implementing RAKB through
Bank meyakini implementasi RAKB melalui program- strategic and priority programs is the right policy and is
program strategis dan prioritas merupakan kebijakan in line with the concept of sustainable development being
yang tepat dan searah dengan konsep pembangunan implemented in Indonesia. In the 2022 RAKB, the Bank set
berkelanjutan yang tengah dijalankan di Indonesia. three priority programs: capacity building, organizational
Dalam RAKB Tahun 2022, Bank menetapkan tiga program adjustment, and product development, all of which have
prioritas, yaitu pengembangan kapasitas, penyesuaian been implemented well.
organisasi dan pengembangan produk dimana ketiganya
telah dilaksanakan dengan baik.
Inisiatif Strategis Keuangan Berkelanjutan Sustainable Finance Strategic Initiatives
Keselarasan dan kesetaraan merupakan prinsip dasar Harmony and equality are the basic principles in the
dalam penerapan keuangan berkelanjutan. Oleh karena implementation of sustainable finance. Therefore, the
itu, Bank meyakini bahwa aspek lingkungan dan sosial Bank believes that the Bank’s achievement will influence
berkelanjutan akan dipengaruhi oleh pencapaian Bank the environmental and social aspects of sustainability in
dalam mewujudkan target-target kinerja aspek ekonomi realizing the performance targets of the economic aspect
yang disampaikan dalam RBB Tahun 2022. Untuk itu, Bank presented in the RBB Year 2022. Therefore, the Bank has
telah menyusun dan menetapkan inisiatif strategis untuk developed and established strategic initiatives to realize
merealisasikan target-target RBB sebagai berikut: the RBB targets as follows:
a. Pengembangan bisnis ke arah digital banking a. Business development towards digital banking
mengingat banyaknya keterbatasan human capital di considering there are many limitations of human
frontliners, biaya operasional yang tinggi, pergeseran capital in front liners, high operational costs, the
transaksi pembayaran dari offline menjadi online, shift of payment transactions from offline to online,
pentingnya kolaborasi dengan perusahaan Fintech the importance of collaboration with Fintech and
dan e-Commerce untuk pendanaan dan juga e-Commerce companies for funding, and also
pembiayaan sektor mikro dan UKM. financing the micro and SME sectors.
b. Melakukan cross selling dan value chain financing b. Cross-selling and value chain financing with Artha
dengan jaringan usaha yang dimiliki Artha Graha Graha Network’s business network and existing
Network dan nasabah/debitur existing guna customers/debtors to increase the Bank’s customer
menambah customer base Bank. Intensifikasi bisnis base. Business intensification using a low-risk closed
menggunakan sistem closed loop yang berisiko loop system, given the large retail market opportunity
rendah, melihat besarnya peluang pasar ritel di 2030. in 2030.
c. Penambahan fee based income melalui provisi komisi, c. Additional fee-based income through commission
transactional banking, bill payment, penjualan produk fees, transactional banking, bill payments, sales of
investasi milik pihak ketiga dan juga kolaborasi third-party investment products, and collaboration
dengan perusahaan Fintech Payment & e-Commerce. with Fintech Payment & e-Commerce companies.
d. Fokus pada pendanaan berbasis mobile yang d. Focus on mobile-based funding connected to
terhubung dengan e-Commerce, fintech, bill e-Commerce, fintech, bill aggregators, and
aggregator dan merchant. Produk pendanaan seperti merchants. Funding products such as savings,
tabungan, produk investasi, e-Money, dan lain-lain. investment products, e-Money, and others.
Untuk mendukung inisiatif strategis di atas dilakukan To support the above strategic initiatives, collaboration
kolaborasi dengan berbagai pihak ketiga yang berbasis with various technology-based third parties is one of
teknologi menjadi salah satu media untuk dapat the media to expand the business, both new customers
melakukan ekspansi bisnis, baik itu new customer maupun and transactional. Business cooperation activities are
transaksional. Aktivitas kerja sama bisnis didukung oleh supported by the development of more diverse payment
pengembangan metode pembayaran yang lebih beragam methods that bank customers can use in transactions on
untuk dapat digunakan oleh nasabah bank dalam partner channels.
bertransaksi di channel mitra.
36 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 37
Board of Directors Explanation
Pengembangan produk Open API dengan menerapkan Open API product development by implementing BI
standarisasi BI SNAP menjadi cara agar dapat dengan SNAP standardization becomes a way to collaborate with
lebih mudah berkolaborasi dengan mitra bisnis. business partners easily. The development of direct debit
Pengembangan produk direct debit yang terintegrasi products integrated with the Digital Apps platform is a
dengan platform Digital Apps menjadi tools pembayaran seamless payment tool that can increase bank users and
yang seamless sehingga dapat mendorong peningkatan business partner transactions. Cross-selling loan products
pengguna bagi Bank serta transaksi di sisi mitra bisnis. with Digital Lending services, especially for digital
Cross selling produk pinjaman dengan layanan Digital ecosystems, can be a new way to increase the Bank’s
Lending, khususnya untuk ekosistem digital dapat menjadi lending portfolio.
cara baru untuk dapat meningkatkan portofolio lending
Bank.
Pencapaian Kinerja Keberlanjutan Tahun 2022 Achievement of Sustainability Performance in 2022
Secara umum, kebijakan dan inisiatif strategis dapat In general, policies and strategic initiatives can be
dijalankan pada tahun 2022. Namun demikian, ada implemented in 2022. However, several things in the
beberapa hal dalam inisiatif strategis pengembangan strategic initiative of digital banking development related
digital banking yang berkaitan dengan produk baru masih to new products are still in process, namely digital
dalam proses, yaitu digital lending + eKYC Opening lending + eKYC Opening Account, Loyalty Points, and
Account, Loyalti Point, Corporate Debit Card. Sedangkan Corporate Debit Cards. Meanwhile, new activities include
dari aktivitas baru yaitu kerja sama dengan Bancassurance cooperation with Bancassurance through digital bank
melalui aplikasi digital bank. Inisiatif strategis yang belum applications. These strategic initiatives that have not been
optimal ini akan dilanjutkan pada tahun 2023. optimized will be continued in 2023.
Meski demikian, keberhasilan Bank merealisasikan Nevertheless, the Bank’s success in realizing its strategic
inisiatif-inisiatif strategis selama tahun pelaporan tak lepas initiatives during the reporting year cannot be separated
dari adanya dukungan para pemangku kepentingan, baik from the support of internal and external stakeholders.
internal maupun eksternal. Dukungan tersebut diraih This support was achieved in line with the Bank’s intensity
sejalan dengan intensitas Bank melakukan sosialisasi in socializing the various strategies. Not only socializing but
atas berbagai strategi tersebut. Tidak hanya melakukan Bank Artha Graha Internasional personnel also consistently
sosialisasi, insan Bank Artha Graha Internasional juga implement these strategic initiatives to realize sustainable
secara konsisten melaksanakan inisiatif strategis tersebut activities. The Bank’s business operations always consider
guna mewujudkan kegiatan berkelanjutan, yaitu economic, environmental, and social aspects.
operasional usaha Bank yang senantiasa memperhatikan
aspek ekonomi, lingkungan hidup, dan sosial.
Berkaitan dengan implementasi keseharian, Direksi Concerning daily implementation, the Board of Directors
senantiasa memastikan bahwa inisiatif strategis yang always ensures that the strategic initiatives the company
telah ditetapkan perusahaan bisa terlaksana dengan has set can be implemented properly. In addition, the
baik. Selain itu, Direksi juga secara kontinyu membahas Board of Directors also continuously discusses the
penerapan inisiatif strategis tersebut dalam rapat evaluasi implementation of these strategic initiatives in the Board
kinerja Direksi, maupun dalam rapat gabungan dengan of Directors’ performance evaluation meetings and
Dewan Komisaris. Dengan pembahasan dalam rapat- joint meetings with the Board of Commissioners. With
rapat tersebut, penerapan inisiatif strategis senantiasa the discussion in these meetings, the implementation
dievaluasi dan jika diperlukan, dilakukan penyesuaian of strategic initiatives is constantly evaluated, and if
dengan kondisi terkini di industri perbankan. necessary, adjustments are made to the current conditions
in the banking industry.
Komitmen dan kesungguhan Bank menerapkan berbagai The Bank’s commitment and persistence in implementing
inisiatif strategis membawa hasil dengan pencapaian various strategic initiatives led to the achievement of
kinerja keberlanjutan pada tahun 2022. Atas prestasi sustainability performance in 2022. For this achievement,
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 37
Page 38
Penjelasan Direksi
tersebut, Bank mendapatkan apresiasi dari pemangku the Bank received appreciation from external stakeholders
kepentingan eksternal berupa pemberian penghargaan through awards, including the 10th Years Appreciation
antara lain 10th Years Appreciation Customer Loyalty Customer Loyalty Award 2022-Customer Loyalty Awards
Award Tahun 2022-Customer Loyalty Awards Jaringan of PRIMA Network and Best Digital Finance Category
PRIMA, dan Best Digital Finance Category Conventional Conventional Bank for Customer Engagement with
Bank for Customer Engagement with Solutive Digital Solutive Digital Finance Service-Indonesia Best Digital
Finance Service-Indonesia Best Digital Finance Awards Finance Awards 2022.
2022.
Selanjutnya, atas implementasi berbagai inisiatif strategis, Then, with the implementation of various strategic
Bank berhasil membukukan berbagai pencapaian, baik initiatives, the Bank managed to record various
pada aspek ekonomi, sosial maupun lingkungan sebagai achievements, both in economic, social, and environmental
berikut: aspects, as follows:
- Kinerja Aspek Ekonomi - Performance in the Economic Aspect
Setiap tahun, Bank menyusun dan menerbitkan Every year, the Bank prepares and publishes the Bank’s
Rencana Bisnis Bank (RBB) yang disusun secara Business Plan (RBB), which is carefully and realistically
matang dan realistis berdasarkan prinsip kehati-hatian prepared based on prudential principles and the
dan penerapan manajemen risiko. Di dalamnya, application of risk management. This RBB covers the
antara lain, disampaikan tentang rencana Bank untuk Bank’s plan to improve business performance and
meningkatkan kinerja usaha serta strategi untuk strategies to realize the plan according to the target
merealisasikan rencana tersebut sesuai target dan and time set. The preparation of the business plan
waktu yang ditetapkan. Penyusunan rencana bisnis always considers some things, including external and
senantiasa memperhatikan sejumlah hal, yaitu faktor internal factors that can affect the Bank’s business
eksternal dan internal yang dapat memengaruhi continuity; prudential principles; application of risk
kelangsungan usaha Bank; prinsip kehati-hatian; management; and sound banking principles.
penerapan manajemen risiko; dan asas perbankan
yang sehat.
Seiring dengan pertumbuhan ekonomi Indonesia Along with Indonesia’s economic growth in 2022, it
pada tahun 2022, hal itu juga berdampak positif also positively impacted the company’s performance,
terhadap kinerja perusahaan, dimana Bank berhasil where the Bank managed to record a net profit of
membukukan laba bersih sebesar Rp54,99 miliar atau IDR54.99 billion or grew 132.72% compared to 2021.
tumbuh 132,72% jika dibandingkan tahun 2021. Hal This increased the Bank’s financial ratios, including
tersebut berdampak kepada meningkatnya beberapa ROA rising to 0.25%, ROE rising to 1.63%, and NIM
rasio keuangan Bank antara lain ROA naik menjadi increasing to 4.79%. Regarding asset quality, there
0,25%, ROE naik menjadi 1,63%, sementara NIM juga was also an improvement where gross NPL decreased
meningkat menjadi 4,79%. Dari sisi kualitas aset juga to 2.73%.
terdapat perbaikan dimana NPL gross mengalami
penurunan menjadi 2,73%.
Berdasarkan kinerja ekonomi di atas, maka nilai Based on the above economic performance, the
ekonomi langsung yang dihasilkan Bank tercatat direct economic value generated by the Bank was
sebesar Rp1,63 triliun, turun 12,41% dibandingkan recorded at IDR1.63 trillion, a decrease of 12.41%
tahun 2021, yang mencapai Rp1,86 triliun. Sedangkan compared to 2021, which reached IDR1.86 trillion.
nilai ekonomi yang didistribusikan terbilang sebesar Meanwhile, the economic value distributed was
Rp831,30 miliar, naik 4,88% dibandingkan tahun recorded at IDR831.30 billion, an increase of 4.88%
2021, yang mencapai Rp792,61 miliar. Adapun nilai compared to 2021, which reached IDR792.61 billion.
ekonomi yang disimpan sebesar Rp794,17 miliar, Meanwhile, the economic value stored amounted to
turun 25,30% dibandingkan tahun 2021, yang IDR794.17 billion, a decrease of 25.30% compared to
mencapai Rp1,06 triliun. 2021, which reached IDR1.06 trillion.
38 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 39
Board of Directors Explanation
- Kinerja Aspek Lingkungan - Performance in the Environmental Aspect
Selaras dengan komitmen mendukung terwujudnya In line with its commitment to supporting sustainable
pembangunan berkelanjutan, Bank senantiasa development, the Bank always refers to various
merujuk pada berbagai regulasi yang mengatur regulations governing the relationship between the
hubungan antara industri perbankan dengan banking industry and the environment. In this case,
lingkungan. Dalam hal ini, kepatuhan menjadi dasar compliance becomes the basis for the implementation
pelaksanaan pelestarian dan pengelolaan dampak of preservation and management of environmental
lingkungan pada seluruh aktivitas, produk dan jasa impacts on all activities, products, and services of
Bank. Dengan memperhatikan prinsip kehati-hatian, the Bank. Regarding the precautionary principle,
Bank menghindari pemberian kredit atau pembiayaan the Bank avoids providing credit or financing to
terhadap perusahaan yang memberikan kontribusi companies contributing to environmental pollution.
terhadap pencemaran lingkungan. Sebaliknya, Bank On the contrary, the Bank pays special attention
memberikan perhatian secara khusus terhadap to lending that meets the Criteria for Sustainable
penyaluran kredit yang memenuhi Kriteria Kegiatan Business Activities (KKUB).
Usaha Berkelanjutan (KKUB).
Per 31 Desember 2022, jenis produk yang memenuhi As of December 31, 2022, there were 3 product types
KKUB sebanyak 3 unit produk; nominal produk dan/ that met the KKUB; the nominal value of products and/
atau jasa yang memenuhi KKUB sebesar Rp464,8 or services that meet the KKUB is IDR464.8 billion, of
miliar, dimana penyaluran kredit terhadap UMKM which lending to MSMEs is IDR399.9 billion, the total
terbilang sebesar Rp399,9 miliar, total pembiayaan financing for non-sustainable business activities is
non-kegiatan usaha berkelanjutan sebesar Rp9.764,8 IDR9,764.8 billion; so that the percentage of the total
miliar; sehingga persentase total portofolio kegiatan portfolio of sustainable business activities to the total
usaha berkelanjutan terhadap total portofolio adalah portfolio is 4.54%. The number of clever behavior
4,54%. Adapun jumlah agen laku pandai sebanyak 27 agents is 27 people.
orang.
Selain pembiayaan yang memperhatikan prinsip In addition to financing that considers the
kelestarian lingkungan, komitmen Bank terhadap principles of environmental sustainability, the Bank’s
lingkungan juga diwujudkan melalui operasional commitment to the environment is also realized
bank yang ramah lingkungan. Untuk itu, Bank telah through environmentally friendly bank operations.
melakukan berbagai kebijakan dengan menerapkan The Bank has implemented various policies using
prinsip 3R (reduce, reuse, dan recycle). Operasional the 3R principle (reduce, reuse, and recycle).
kantor yang ramah lingkungan diwujudkan melalui Environmentally friendly office operations are realized
efisiensi pengelolaan bahan baku/material kertas, through efficiently managing raw materials/paper,
energi, emisi dan air. energy, emissions, and water.
Melalui berbagai kebijakan efisiensi, Bank Through various efficiency policies, the Bank used
menggunakan kertas HVS sebanyak 6.197 rim, turun 6,197 reams of HVS paper, decreasing from 10,086
dibandingkan penggunaan tahun 2021, yang tercatat reams in 2021. Efficiency also occurred in using
sebanyak 10.086 rim. Efisiensi juga terjadi dalam electricity, including 6,186,223 kWh, or equivalent
penggunaan listrik yaitu 6.186.223 kWh, atau setara to 22,270 Gigajoules (GJ), decreasing compared
dengan 22.270 Gigajoule (GJ), turun dibandingkan to 2021, which reached 6,471,836 kWh or 23,299
tahun 2021, yang mencapai 6.471.836 kWh atau GJ. The fuel used during the reporting year was
23.299 GJ. Adapun penggunaan BBM selama tahun 431,457 liters, or equivalent to 14,756 GJ, decreasing
pelaporan adalah 431.457 liter atau setara dengan compared to 2021, which reached 432,000 liters or
14.756 GJ, turun dibandingkan tahun 2021, yang 14,774 GigaJoules. The reduction in energy use
mencapai 432.000 liter atau 14.774 Gigajoule. automatically reduces the level of greenhouse gas
Penurunan penggunaan energi otomatis mengurangi emissions generated by the Bank.
tingkat emisi gas rumah kaca yang dihasilkan Bank.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 39
Page 40
Penjelasan Direksi
Selama tahun 2022, komitmen dan konsistensi Bank During 2022, the Bank’s commitment and consistency
terkait kelestarian lingkungan membawa hasil dengan regarding environmental sustainability resulted in
tidak adanya pengaduan yang berkait dengan no complaints related to environmental issues. In
masalah lingkungan. Selain itu, juga tidak terdapat addition, there were also no fines/sanctions imposed
denda/sanksi yang dikenakan kepada Bank karena on the Bank for disobedience or violation of laws
ketidaktaatan atau pelanggaran terhadap undang- relating to environmental issues.
undang yang berkaitan dengan masalah lingkungan.
- Kinerja Aspek Sosial - Performance in the Social Aspect
Keberhasilan Bank membukukan kinerja terbaik The Bank’s success in recording the best performance
pada tahun 2022 tidak lepas dari dukungan para in 2022 cannot be separated from the support of the
pemangku kepentingan internal dan eksternal company’s internal and external stakeholders. Internal
perusahaan. Pemangku kepentingan internal antara stakeholders include shareholders, management,
lain pemegang saham, manajemen dan karyawan and employees across divisions and various levels
lintas divisi dan beragam level jabatan sedangkan of positions, while external stakeholders include
pemangku kepentingan eksternal antara lain consumers/customers, suppliers, government, and
konsumen/nasabah, pemasok, pemerintah, dan the public. Each stakeholder contributed to realizing
masyarakat. Masing-masing pemangku kepentingan the Bank’s targets and performance during the
memberikan kontribusi dalam mewujudkan target reporting year.
dan kinerja Bank selama tahun pelaporan.
Bank meyakini dukungan para pemangku The Bank believes that the support of stakeholders
kepentingan diraih sebagai timbal balik atas is achieved in return for the fulfillment of the Bank’s
pemenuhan kewajiban Bank kepada mereka. Untuk obligations to them. For employees, in addition to
karyawan, selain konsisten memenuhi hak-hak consistently fulfilling normative rights as stipulated in
normatif sebagaimana diatur dalam undang-undang labor laws, such as treating all equally, not employing
ketenagakerjaan, seperti memperlakukan semua minors, and no forced labor, the Bank also regularly
secara setara, tidak mempekerjakan anak dibawah conducts various education and training to develop
umur, dan tidak terdapat kerja paksa, Bank juga employee potential. In addition, the Bank also makes
secara berkala mengadakan berbagai pendidikan dan maximum efforts to create a healthy and safe working
pelatihan untuk mengembangkan potensi karyawan. environment in accordance with the principles of
Selain itu, Bank juga berupaya secara maksimal untuk Occupational Health and Safety (OHS).
mewujudkan lingkungan kerja yang sehat dan aman
sesuai kaidah Kesehatan dan Keselamatan Kerja (K3).
Untuk nasabah, selain melakukan berbagai inovasi For customers, in addition to making various product
produk dan jasa, serta terus meningkatkan kualitas and service innovations and continuing to improve
layanan, Bank berupaya semaksimal mungkin untuk service quality, the Bank makes every effort to resolve
menyelesaikan semua pengaduan yang masuk. all incoming complaints. During the reporting year,
Selama tahun pelaporan, Bank menerima pengaduan the Bank received 3,996 complaints, all of which have
sebanyak 3.996 kasus dan semuanya sudah been resolved. The Bank’s commitment to providing
diselesaikan. Komitmen Bank untuk memberikan the best service positively impacts the increase in
pelayanan terbaik berdampak positif terhadap customer satisfaction survey results from 80.73% in
peningkatan hasil survei kepuasan nasabah dari 2021 to 81.04% in 2022.
80,73% pada tahun 2021 menjadi 81,04% pada tahun
2022.
Selanjutnya, terhadap pemasok, Bank memberikan Then, towards suppliers, the Bank prioritizes local/
prioritas kepada pemasok lokal/nasional, yaitu national suppliers, namely those domiciled and
mereka yang berdomisili dan menjalankan usaha doing business in Indonesia, to meet the needs of
di Indonesia, untuk memenuhi kebutuhan barang dan goods and services needed by the company. As for
jasa yang diperlukan perusahaan. Adapun kepada the public, the Bank is committed to empowerment
40 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 41
Board of Directors Explanation
masyarakat, Bank berkomitmen untuk melakukan through the Corporate Social Safety Responsibility
pemberdayaan melalui program Corporate Social (CSSR) program by spending CSSR funds in 2022
Safety Responsibility (CSSR) dengan mengeluarkan amounting to IDR6.74 billion. The implementation
dana CSSR tahun 2022 sebesar Rp6,74 miliar. of CSSR programs is also the Bank’s real effort and
Implementasi program-program CSSR, sekaligus concrete support for the Sustainable Development
merupakan upaya nyata dan dukungan konkret Bank Goals (SDGs).
terhadap Tujuan Pembangunan Berkelanjutan (TPB/
SDGs).
Prospek dan Peluang Prospects and Opportunities
Keberhasilan pemerintah mengendalikan pandemi The government’s success in controlling the COVID-19
COVID-19, sekaligus mencatatkan pertumbuhan ekonomi pandemic and recording economic growth of 5.31% in
sebesar 5,31% pada tahun 2022, merupakan modal 2022 is an important asset to realize sustainable economic
penting untuk mewujudkan pertumbuhan ekonomi growth in 2023. However, the government still needs
yang berkelanjutan pada tahun 2023. Walau demikian, to apply the precautionary principle because, as the
pemerintah tetap perlu menerapkan prinsip kehati-hatian, International Monetary Fund (IMF) stated, Indonesia’s
sebagaimana disampaikan Dana Moneter Internasional economic growth is predicted to slow to around 4.8% in
(IMF), pertumbuhan ekonomi Indonesia diprediksi akan 2023.
melambat pada kisaran 4,8% pada tahun 2023.
Perlambatan terjadi sejalan dengan adanya sejumlah risiko The slowdown is in line with some risks looming over
yang membayangi perekonomian global, seperti belum the global economy, such as China not recovering from
pulihnya Tiongkok dari dampak pandemi COVID-19 the impact of the COVID-19 pandemic and the effects
dan efek perang Rusia-Ukraina. Oleh karena itu, IMF of the Russia-Ukraine war. Therefore, the IMF estimates
memperkirakan pertumbuhan ekonomi global tahun 2023 that global economic growth in 2023 will fall to 2.9%
turun menjadi 2,9% dibanding pertumbuhan tahun 2022, compared to growth in 2022, which reached 3.4%.
yang mencapai 3,4%. Menyikapi prediksi perekonomian Responding to the prediction of the global economy
global 2023 yang diwarnai ketidakpastian, Pemerintah in 2023, which is characterized by uncertainty, the
telah mengungkapkan kesiapannya dan optimistis Government has expressed its readiness and is optimistic
ekonomi Indonesia tetap kuat dan tumbuh positif. that the Indonesian economy will remain strong and grow
positively.
Komitmen dan keyakinan pemerintah tersebut menjadi The government’s commitment and confidence are the
salah satu fondasi bagi Bank untuk menyusun target foundations for the Bank to set targets in the 2023 RBB.
dalam RBB tahun 2023. Untuk mewujudkannya, Inisiatif To achieve this, the strategic initiatives that the Bank will
strategis yang akan diterapkan Bank di sepanjang tahun implement throughout 2023 are as follows:
2023 adalah sebagai berikut:
a. Memperkuat fungsi pengelolaan strategi agar dalam a. Strengthening the strategic management function
mengawal eksekusi strategi menjadi jelas terarah, to oversee strategy execution to be clearly directed,
terkomunikasikan dan terselaraskan ke setiap unit communicated, and harmonized to each work unit;
kerja;
b. Mengevaluasi dan mengintegrasikan proses b. Evaluating and integrating business processes
bisnis melalui implementasi teknologi dan sistem through the implementation of technology and
terintegrasi agar pelaksanaan eksekusi di lapangan integrated systems so that execution in the field runs
berjalan sesuai dengan regulasi dan kepatuhan; in accordance with regulations and compliance;
c. Memperkuat pemasaran platform berbasis digital c. Strengthening the marketing of digital banking-
banking dengan inisiatif digital marketing dan based platforms with digital marketing initiatives
kolaborasi ekosistem digital untuk meningkatkan and digital ecosystem collaboration to increase data-
akuisisi dan transaksi nasabah berbasis data; driven customer acquisition and transactions;
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 41
Page 42
Penjelasan Direksi
d. Akselerasi kapabilitas IT dalam mendukung d. Acceleration of IT capabilities in support of business
optimalisasi proses bisnis untuk mendukung process optimization to support the reliability of
kehandalan produk dan layanan digital untuk digital products and services to increase acquisition,
meningkatkan akuisisi, transaksi dan penyaluran transactions, and lending;
kredit;
e. Penguatan pengukuran dan pengawasan proses e. Strengthening the measurement and supervision of
digitalisasi dan cyber security dari aspek risiko dan digitalization and cyber security processes from the
audit; aspects of risk and audit;
f. Implementasi Human Capital Roadmap sejalan f. The implementation of a Human Capital Roadmap
dengan rencana jangka panjang Bank. aligns with the Bank’s long-term plan.
Apresiasi Appreciation
Pencapaian Bank merupakan cerminan atas ketepatan The Bank’s achievements are a reflection of the
strategi yang diambil dan diimplementasikan selama appropriateness of the strategies adopted and
tahun 2022 dan juga dukungan dari para pemangku implemented during 2022 as well as the support of our
kepentingan. Untuk itu, kami mengucapkan terima stakeholders. For this reason, we would like to thank the
kasih kepada Dewan Komisaris yang telah melakukan Board of Commissioners for supervising and providing
pengawasan dan memberikan arahan sehingga Direksi direction so that the Board of Directors can execute the
dapat menjalankan strategi dengan baik. Ungkapan strategy well. We would also like to express our gratitude
yang sama kami sampaikan kepada pemegang saham to our shareholders, who have given us the trust to
yang telah memberikan kepercayaan kepada kami untuk manage the Bank during the reporting year. In particular,
mengelola Bank selama tahun pelaporan. Secara khusus, to all employees, we would like to thank them for their
kepada seluruh karyawan, kami berterima kasih atas kerja hard work, dedication, and loyalty that has enabled the
keras, dedikasi dan loyalitas yang diberikan selama ini Bank to record an improved performance compared to
sehingga Bank berhasil mencatatkan peningkatan kinerja the previous year.
dibanding tahun sebelumnya.
Apresiasi juga kami sampaikan kepada segenap mitra/ Our appreciation also goes to all partners/suppliers,
pemasok, nasabah, pemerintah, regulator, maupun customers, government, regulators, and the public who
masyarakat yang tak pernah putus memberikan dukungan never stop supporting the Bank’s sustainability. We hope
untuk keberlangsungan Bank. Kami berharap dukungan that the support and trust will continue to be given so that
dan kepercayaan tersebut tetap diberikan agar Bank the Bank will grow and realize the vision and mission that
semakin berkembang dan mampu mewujudkan visi dan has been set.
misi yang telah ditetapkan.
Jakarta, 29 Maret 2023
Jakarta, March 29, 2023
Atas Nama Direksi
On behalf of the Board of Directors
PT Bank Artha Graha Internasional Tbk
Andy Kasih
Direktur Utama
President Director
42 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 43
Board of Directors Explanation
Halaman Ini Sengaja Dikosongkan
This Page Intensionally Left Blank
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 43
Page 44
Page 45
J u d u l
Page 46
Tentang Laporan Keberlanjutan Tentang Laporan Keberlanjutan About the Sustainability Report Transparansi merupakan keharusan di era keterbukaan Transparency is a must in the current era of information informasi saat ini, termasuk korporasi yang bergerak di disclosure, including corporations engaged in the banking industri perbankan. Dengan bersikap transparan, maka industry. Transparency lets stakeholders know what the para pemangku kepentingan akan mengetahui apa saja corporation has done, including fulfilling stakeholder yang sudah dilakukan oleh korporasi tersebut, termasuk rights. In this context and spirit, PT Bank Artha Graha dalam kaitannya dengan pemenuhan hak-hak pemangku Internasional Tbk publishes the Sustainability Report kepentingan. Dalam konteks dan spirit itulah, PT Bank Artha of PT Bank Artha Graha Internasional Tbk for 2022. Graha Internasional Tbk menerbitkan Laporan Keberlanjutan The publication of this report is simultaneously the PT Bank Artha Graha Internasional Tbk Tahun 2022. Bank’s compliance with the Financial Services Authority Penerbitan laporan ini sekaligus merupakan kepatuhan Bank Regulation (POJK) No. 51/POJK.03/2017 concerning terhadap Peraturan Otoritas Jasa Keuangan (POJK) No. 51/ the Implementation of Sustainable Finance for Financial POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Services Institutions, Issuers, and Public Companies bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan or POJK Sustainable Finance. This regulation requires Publik atau POJK Keuangan Berkelanjutan. Peraturan ini financial service institutions to issue Sustainability Reports mewajibkan lembaga jasa keuangan menerbitkan Laporan as an implementation of sustainable finance. Keberlanjutan sebagai implementasi atas keuangan berkelanjutan. Selain POJK Keuangan Berkelanjutan, Bank menerbitkan In addition to the POJK on Sustainable Finance, the laporan keberlanjutan setiap tahun secara sukarela Bank publishes sustainability reports voluntarily every dengan mengacu pada Standard GRI (GRI Standards) yang year concerning the GRI Standards issued by the Global dikeluarkan oleh Global Sustainability Standards Board Sustainability Standards Board (GSSB) - an institution (GSSB) - Lembaga yang dibentuk oleh Global Reporting formed by the Global Reporting Initiative (GRI) to handle Initiative (GRI) untuk menangani pengembangan standar the development of sustainability reporting standards, as laporan keberlanjutan, serta matriks pengungkapan well as the Environmental, Social, and Governance (ESG) Environmental, Social, and Governance (ESG) berdasarkan disclosure matrix based on the Sustainability Accounting Sustainability Accounting Standards Board (SASB), dan Standards Board (SASB), and the Sustainable Banking Sustainable Banking Assessment (SUSBA). Assessment (SUSBA). Untuk memudahkan pembaca menemukan informasi yang To make it easier for readers to find information by the sesuai dengan panduan, kami mencantumkan angka/ guidelines, we include the number/name of the disclosure nama pengungkapan di belakang kalimat atau alinea behind the relevant sentence or paragraph. Complete yang relevan. Data lengkap kecocokan isi laporan dengan data on the suitability of the contents of the report with panduan disampaikan di bagian belakang laporan ini. the guidelines is presented at the back of this report. [GRI 2-3] [GRI 2-3] 46 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 47
About the Sustainability Report Prinsip Pelaporan Reporting Principles Laporan kami susun dengan merujuk pada delapan Our report is prepared by referring to the eight reporting prinsip pelaporan sebagaimana ditentukan dalam GRI 1: principles as specified in GRI 1: Foundation 2021 as Landasan 2021 sebagai berikut: follows: 1. Akurasi: 1. Accuracy: Bank melaporkan informasi yang benar dan cukup The Bank reports correct and detailed information terperinci agar dapat dilakukan penilaian dampak to allow an organizational impact assessment to be organisasi. carried out. 2. Keseimbangan: 2. Balance: Bank melaporkan informasi dengan cara netral dan The Bank neutrally reports information and provides a menyediakan gambaran yang seimbang tentang balanced picture of the negative and positive impacts dampak negatif dan positif organisasi. of the organization. 3. Kejelasan: 3. Clarity: Bank menyajikan informasi dengan cara yang dapat The Bank presents information in an accessible and diakses dan dapat dipahami. understandable way. 4. Keterbandingan: 4. Comparability: Bank memilih, menyusun, dan melaporkan informasi Banks select, compile and report information secara konsisten agar mereka dapat melakukan analisis consistently to analyze changes in an organization’s mengenai perubahan dalam dampak organisasi seiring impact over time and analyze this impact on other waktu dan analisis dampak ini yang berkaitan dengan organizations’ effects. dampak organisasi lain. 5. Kelengkapan: 5. Completeness: Bank menyediakan informasi yang memadai agar The Bank provides sufficient information to enable an penilaian dampak organisasi dapat dilakukan selama organizational impact assessment to be carried out periode pelaporan. during the reporting period. 6. Konteks keberlanjutan: 6. Context of sustainability: Bank melaporkan informasi tentang dampak mereka Banks report information about their impact in the dalam konteks yang lebih luas dari pembangunan broader context of sustainable development. berkelanjutan. 7. Ketepatan waktu: 7. Timeliness: Bank melaporkan informasi secara rutin dan The Bank reports information regularly and provides menyediakan informasi tersebut secara tepat waktu this information promptly for information users to bagi pengguna informasi untuk mengambil keputusan. make decisions. 8. Keterverifikasian: 8. Verifiability: Bank mengumpulkan, mencatat, menyusun, dan The Bank collects, records, compiles, and analyzes menganalisis informasi dengan cara sedemikian information so that the data can be examined to rupa sehingga informasi tersebut dapat diteliti untuk determine its quality. menentukan kualitasnya. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 47
Page 48
Tentang Laporan Keberlanjutan Cakupan dan Batasan Laporan Report Scope and Boundary Laporan ini mencakup pencapaian kinerja aspek ekonomi, This report covers the performance achievements of the sosial dan lingkungan Kantor Pusat dan seluruh kantor economic, social, and environmental aspects of the Head cabang yang beroperasi di berbagai wilayah di Indonesia Office and all branch offices operating in various regions selama kurun waktu 1 Januari 2022 - 31 Desember 2022. in Indonesia from January 1, 2022 to December 31, 2022. [GRI 2-2] [GRI 2-2] Siklus, Periode Pelaporan dan Pernyataan Penggunaan Cycle, Reporting Period, and Statement of Use Sebagai bagian tak terpisahkan dari Laporan Tahunan, The Bank publishes a report annually as an integral part Bank menerbitkan laporan setiap tahun. Laporan pertama of the Annual Report. The first report was published for diterbitkan untuk tahun buku 2020, dilanjutkan dengan the 2020 financial year, followed by the 2021 financial tahun buku 2021 yang terbit pada 26 April 2022. Dengan year published in April 26, 2022. Thus, this 2022 financial demikian, laporan tahun buku 2022 ini merupakan laporan year report is the third report. PT Bank Artha Graha ketiga. PT Bank Artha Graha Internasional Tbk telah Internasional Tbk has reported the information quoted on melaporkan informasi yang dikutip pada indeks konten the GRI content index from January 1 to December 31, GRI untuk periode dari 1 Januari - 31 Desember 2022 2022 concerning the GRI Standards.” [GRI 2-3] dengan merujuk kepada Standar GRI.” [GRI 2-3] Perubahan Terkait Laporan Changes Regarding Reports Pada Laporan Keberlanjutan 2022 terdapat perubahan The 2022 Sustainability Report has changes related to terkait topik material dibanding tahun sebelumnya. material topics compared to the previous year. Changes Perubahan dilakukan setelah Bank melakukan peninjauan were made after the Bank reviewed material issues for terhadap topik material tahun 2021 dengan melibatkan 2021 by involving internal and external stakeholders, pemangku kepentingan internal dan eksternal antara including consultants and report users, according to the lain konsultan dan pengguna laporan sesuai panduan GRI Standards Universal guidelines for 2021. Through this GRI Standards Universal Tahun 2021. Melalui peninjauan review, in addition to identifying and assessing impacts tersebut, selain mengidentifikasi dan menilai dampak on an ongoing basis, the Bank can ensure that the topics secara berkesinambungan, sekaligus Bank dapat material in this report represents the most significant memastikan bahwa topik material dalam laporan ini impact during the reporting year. A material topic review mewakili dampak paling signifikan selama tahun was conducted through a face-to-face Focus Group pelaporan. Peninjauan topik material dilakukan melalui Discussion (FGD) at the Bank’s Head Office in Jakarta on Focus Group Discussion (FGD) secara tatap muka di Monday, January 16, 2023. [GRI 3-1] Kantor Pusat Bank di Jakarta pada Senin, 16 Januari 2023. [GRI 3-1] 48 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 49
About the Sustainability Report
Proses untuk menentukan topik material: Process for defining material topics:
Mengidentifikasi dan menilai dampak secara Menentukan topik material untuk pelaporan
berkesinambungan Determine material topics for reporting
Identify and assess impacts on an ongoing basis
Menguji topik material
dengan pakar dan
Melibatkan berbagai pemangku pengguna informasi
kepentingan dan pakar yang relevan Test material topics with
Involving various stakeholders experts and informed users
relevant interests and experts
1 2 3 4
Topik material
Material topics
Memahami Mengidentifikasi Menilai Memprioritaskan
konteks dampak aktual signifikansi dampak paling
organisasi dan potensial dampak signifikansi untuk
Understand Identify actual and Assess the pelaporan
organizational potential impacts significance of Prioritize the most
context the impact significant impacts
for reporting
Menggunakan Standar Mempertimbangkan
Sektor untuk memahami topik dan dampak Menguji topik material
konteks sektor yang dideskripsikan terhadap topik dalam
Use the Sector Standards dalam Standar Sektor Standar Sektor
to understand the Considers the topics and Examination of material
context of the sector impacts described in topics to topics in
the Sector Standards Sector Standards
Berdasarkan peninjauan secara internal dan eksternal Based on internal and external reviews, it was agreed
disepakati bahwa topik material Keanekaragaman that biodiversity is not included in the 2022 Sustainability
Hayati tidak dimasukkan dalam Laporan Keberlanjutan Report. The consideration is that in the reporting year, the
Tahun 2022. Pertimbangannya, pada tahun pelaporan, Bank focuses on reporting content related to the central
Bank fokus pada konten pelaporan terkait bisnis utama business in the banking sector. Even though it is no longer
di sektor perbankan. Walau tidak lagi menjadi topik a material topic, biodiversity is still included in the report,
material, keanekaragaman hayati tetap dimasukkan dalam although in a different proportion from the previous year.
laporan meski dengan proporsi yang berbeda dengan
tahun sebelumnya.
Dengan tidak masuknya Keanekaragaman Hayati, By not including biodiversity, there will be a change in
maka terdapat perubahan dalam daftar topik material the list of material topics for the 2022 report compared
laporan tahun 2022 dibanding tahun 2021. Jika daftar to 2021. If the list of material issues for 2021 recorded
topik material tahun 2021 tercatat sebanyak 14 topik, 14 cases, then in 2022, there will be 13 topics. The list
maka pada tahun 2022 menjadi 13 topik. Daftar Topik of the material problems for the 2022 report, totaling 13
material laporan tahun 2022 yang berjumlah 13 topik topics after adopting the proposed review by internal and
setelah mengadopsi usulan peninjauan oleh pemangku external stakeholders. The complete list of material issues
kepentingan internal dan eksternal. Daftar topik material for the Bank’s 2022 Sustainability Report is as follows:
Laporan Keberlanjutan Bank Tahun 2022 selengkapnya [GRI 3-2]
adalah sebagai berikut: [GRI 3-2]
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 49
Page 50
Tentang Laporan Keberlanjutan
Tabel Topik Material Tahun 2022 Table of Material Topics for 2022
Topik Material Alasan Topik ini Material Nomor Pengungkapan
Material Topics The Reason for this Topic is Material Disclosure Number
Topik Ekonomi
Economic Topics
Nilai ekonomi langsung yang dihasilkan dan
Penciptaan nilai bagi Pemangku
Kinerja Ekonomi didistribusikan
Kepentingan 201-1
Economic Performance Direct economic value generated and
Value creation for Stakeholders
distributed
Rasio standar upah karyawan entry-level
berdasarkan jenis kelamin terhadap upah
Keberadaan Pasar Memperhatikan kesejahteraan karyawan
202-1 minimum regional
Market Existence Pay attention to employee welfare
The ratio of the standard entry-level wage by
sex to the regional minimum wage
Mendorong pertumbuhan ekonomi
Praktik Pengadaan Proporsi pengeluaran untuk pemasok lokal
nasional 204-1
Procurement Practices The proportion of expenses for local suppliers
Encouraging national economic growth
Komunikasi dan pelatihan tentang kebijakan
dan prosedur anti-korupsi
Menciptakan lembaga yang berintegritas 205-2
Communication and training on anti-corruption
Anti Korupsi dan melindungi Pemangku Kepentingan policies and procedures
Anti Corruption To create institutions with integrity and
protecting stakeholders Insiden korupsi yang terbukti dan tindakan yang
205-3 diambil
Proven incidents of corruption and actions taken
Topik Lingkungan
Environmental Topics
Pemakaian sumber daya alam yang
bertanggung jawab mendorong kelestarian
Energi Konsumsi energi dalam organisasi
lingkungan 302-1
Energy Energy consumption in the organization
Responsible use of natural resources
promotes environmental sustainability
Topik Sosial
Social Topics
Perekrutan karyawan baru dan pergantian
karyawan
401-1
Recruitment of new employees and employee
turnover
Penciptaan lapangan kerja
Kepegawaian Tunjangan yang diberikan kepada karyawan
mendorong pertumbuhan ekonomi
Employee Affair purnawaktu yang tidak diberikan kepada
Job creation can drive economic growth
karyawan sementara atau paruh waktu
401-2
Benefits provided to full-time employees that
are not provided to temporary or part-time
employees
Menjamin keselamatan dan kesehatan
Kesehatan dan Keselamatan karyawan demi meningkatkan produktivitas
Kerja dan kinerja Bank Kecelakaan kerja
403-9
Occupational Health and Ensure the safety and health of employees Work accident
Safety to increase the productivity and
performance of the Bank
404-1
Karyawan merupakan aset besar yang
Rata-rata jam Persentase karyawan yang menerima tinjauan
terus dikembangkan untuk menjamin
pelatihan per tahun rutin terhadap kinerja dan pengembangan
Pelatihan dan pendidikan kesinambungan bisnis
per karyawan karier
Training and education Employees are a great asset that continues
Annual average Percentage of employees receiving regular
to be developed to ensure business
training hours per performance and career development reviews
continuity
employee
50 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 51
About the Sustainability Report
Topik Material Alasan Topik ini Material Nomor Pengungkapan
Material Topics The Reason for this Topic is Material Disclosure Number
Keanekaragaman dan Memberikan kesempatan yang sama dan
Keanekaragaman badan tata kelola dan
Kesempatan Setara non-diskriminatif
405-1 karyawan
Diversity and Equal Providing equal opportunity and non-
Diversity of governance bodies and employees
Opportunity discrimination
Bank menghormati hak yang
dimiliki karyawan demi terciptanya Operasi dan pemasok di mana hak atas
Kebebasan Berserikat dan hubungan yang harmonis antara Bank dan kebebasan berserikat dan perundingan kolektif
Perundingan Kolektif karyawan mungkin berisiko
407-1
Freedom of Association and The Bank respects the right owned Operations and suppliers where the right
Collective Bargaining by employees to create a harmonious to freedom of association and collective
relationship between the Bank and bargaining may be at risk
employees
Operasi dengan keterlibatan masyarakat lokal,
Berkontribusi bagi masyarakat sekitar
Masyarakat Lokal penilaian dampak, dan program pengembangan
Contributing to the surrounding 413-1
Local Community Operations with local community engagement,
community
impact assessment, and development programs
Transparansi dan akuntabilitas sangat
Insiden ketidakpatuhan terkait pelabelan dan
penting untuk meningkatkan kepercayaan
Pemasaran dan Pelabelan informasi produk dan jasa
Nasabah 417-2
Marketing and Labeling Incidents of non-compliance with product and
Transparency and accountability are crucial
service labeling and information
to increase customer trust
Bank taat kepada ketentuan yang berlaku
dan senantiasa melindungi nasabah Insiden ketidakpatuhan sehubungan dengan
dari risiko penyalahgunaan data privasi dampak kesehatan dan keselamatan dari
Privasi Pelanggan nasabah produk dan jasa
418-1
Customer Privacy The Bank complies with applicable Incidents of non-compliance related to the
regulations and always protects customers health and safety impacts of products and
from the risk of misuse of customer privacy services
data
Pernyataan Ulang Informasi [GRI 2-4] Restatement of Information [GRI 2-4]
Untuk mendukung validitas isi laporan, apabila terdapat To support the validity of the report’s contents, if there is
pernyataan ulang informasi yang diberikan dalam laporan a restatement of the information provided in the previous
sebelumnya, kami memberi tanda *disajikan kembali. report, we mark *restated.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 51
Page 52
Tentang Laporan Keberlanjutan
Verifikasi oleh Pihak Independen Verification by Independent Party
GRI merekomendasikan penggunaan external assurance GRI recommends using external assurance by an
oleh pihak ketiga yang independen untuk memastikan independent third party to ensure the quality and
kualitas dan keandalan informasi yang disampaikan dalam reliability of the information presented in this report. Even
laporan ini. Walau Bank belum melakukan penjaminan though the Bank has not guaranteed this report, the Bank
terhadap laporan ini, namun Bank menjamin keabsahan guarantees the validity and correctness of all disclosures
dan kebenaran seluruh pengungkapan informasi dalam of information in this report. [GRI 2-5]
laporan ini. [GRI 2-5]
Aksesibilitas dan Umpan Balik Accessibility and Feedback
Kami mengundang para pembaca dan pemangku We invite readers and stakeholders to access and
kepentingan untuk mengakses dan mengunduh laporan download the sustainability report through the website:
keberlanjutan melalui website: www.arthagraha.com. www.arthagraha.com. We welcome readers’ comments,
Kami menyambut baik komentar, ide dan umpan balik ideas, and feedback to improve the quality of our
dari para pembaca demi perbaikan kualitas laporan kami following statement. Feedback and input, please convey
berikutnya. Tanggapan dan masukan mohon disampaikan to us via: [GRI 2-3]
kepada kami melalui: [GRI 2-3]
Corporate Secretary | Corporate Secretary
PT Bank Artha Graha Internasional Tbk
Gedung Artha Graha | Artha Graha Building
Kawasan Niaga Terpadu Sudirman
Sudirman Central Business District (SCBD)
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan | South Jakarta, 12190
Telp | Phone: +62 21 515 2168 (H)
Fax | Fac: +62 21 515 3892
E-mail: co_secretary@ag.co.id
Website: www.arthagraha.com
52 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 53
About the Sustainability Report
“Memiliki karyawan yang beragam
adalah hal yang baik untuk bisnis -
hal ini memungkinkan bisnis untuk
melayani pelanggan dengan lebih
baik, memecahkan masalah dengan
lebih baik, dan berinovasi dengan
lebih baik.”
“Having a diverse set of employees is good
for business - it enables the business to better
serve customers, better solve problems, and
better innovate.”
Hendrith Vanlon Smith Jr,
CEO of Mayflower-Plymouth
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 53
Page 54
Page 55
J u d u l
Page 56
Profil Perusahaan
Identitas Perusahaan
Company Identity
Nama [GRI 2-1]
PT Bank Artha Graha Internasional Tbk
Name [GRI 2-1]
Status Perusahaan [GRI 2-1] Perusahaan Terbuka
Company Status [GRI 2-1] Public Listed Company
Bidang Usaha [GRI 2-6] [OJK C.3] Jasa Perbankan
Business Fields [GRI 2-6] [OJK C.3] Banking Services
Tanggal Pendirian 7 September 1973
Date of Establishment September 7, 1973
Dasar Hukum Pendirian Akta Pendirian Bank No. 12 tanggal 7 September 1973 oleh Bagijo, S.H., notaris pengganti dari Eliza
Legal Basis of Establishment Pondaag, S.H., notaris di Jakarta, yang telah mendapat pengesahan dari Menteri Kehakiman (sekarang
menjadi Menteri Hukum dan Hak Asasi Manusia) melalui Surat Keputusan No. Y.A.5/2/12 tanggal 3
Januari 1975.
Deed of Establishment of the Bank No. 12 dated September 7, 1973 by Bagijo, S.H., a substitute notary
for Eliza Pondaag, S.H., a notary in Jakarta, which was approved by the Minister of Justice (now Minister
of Law and Human Rights) through decree No. YA5/2/12 dated January 3, 1975.
Modal Dasar Rp5.800.132.800.000
Authorized Capital IDR5,800,132,800,000
Modal Ditempatkan dan Disetor Penuh Rp2.242.372.023.128,16
Issued and Fully Deposited Capital IDR2,242,372,023,128.16
56 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 57
Company Profile
Pemegang Saham [GRI 2-1] PT Cakra Inti Utama 14,38%
Shareholders [GRI 2-1] PT Cerana Arthaputra 6,54%
PT Arthamulia Sentosajaya 4,15%
PT Pirus Platinum Murni 6,73%
PT Puspita Bisnispuri 5,38%
PT Karya Nusantara Permai 3,52%
Masyarakat (masing-masing di bawah 5%) | Public (each below 5%) 59,30%
Jumlah | Total 100,00%
Nama Bursa Bursa Efek Indonesia
Exchange Name Indonesia Stock Exchange
Tanggal Go Public 23 Agustus 1990
Go-Public Date August 23, 1990
Kode Saham
INPC
Stock Code
Kode ISIN
ID1000105505
ISIN Code
Kode SWIFT
ARTGIDJA
SWIFT Code
Izin Usaha Surat Keputusan Menteri Keuangan Republik Indonesia No. 176/KMK.017/1993.
Business Permit Decree of the Minister of Finance of the Republic of Indonesia No. 176/KMK.017/1993.
Izin Bank Devisa Surat Keputusan Direksi Bank Indonesia No. 25/62/KEP/DIR tanggal 4 September 1992.
Foreign Exchange Bank License Decree of the Board of Directors of Bank Indonesia No. 25/62/KEP/DIR September 4, 1992.
Jaringan Kantor Kantor Pusat: 1 Head Office: 1
Office Network Kantor Cabang: 31 Branch Office: 31
Kantor Cabang Pembantu: 35 Sub-Branch Office: 35
Payment Point: 0 Payment Point: 0
ATM on Premises: 74 ATM on Premises: 74
ATM off Premises: 57 ATM off Premises: 57
ATM ALTO: 42.524 ALTO ATMs: 42,524
ATM Prima: 74.978 Prima ATMs: 74,978
EDC ALTO: 854.936 EDC ALTO: 854,936
EDC Prima: 1.155.879 EDC Prima: 1,155,879
Jumlah Karyawan [GRI 2-6] 1.487 Orang
Number of Employees [GRI 2-6] 1,487 People
Alamat [GRI 2-1] [OJK C.2] Kantor Pusat | Head Office:
Address [GRI 2-1] [OJK C.2] Gedung Artha Graha | Artha Graha Building
Kawasan Niaga Terpadu Sudirman (SCBD)
Jl. Jend. Sudirman Kav. 52-53 Jakarta Selatan, 12190
Telp: (021) 515-2168 (Hunting)
Fax: (021) 515-3892
Website
www.arthagraha.com
Website
E-mail
co_secretary@ag.co.id
E-mail
Media Sosial @teman.agi
Social Media @temanagi
Teman agi
@temanagi
temanagi by Bank Artha Graha Internasional
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 57
Page 58
Profil Perusahaan Sejarah Singkat Perusahaan Brief History of the Company PT Bank Artha Graha Internasional Tbk berkedudukan PT Bank Artha Graha Internasional Tbk, located in di Jakarta Selatan didirikan berdasarkan Akta Pendirian South Jakarta, was established based on the Deed of No. 12 tanggal 7 September 1973 dan Akta Perubahan Establishment No. 12 dated September 7, 1973, and Deed No. 26 tanggal 13 Desember 1974, keduanya dibuat di of Amendment No. 26 dated December 13, 1974, both hadapan Bagijo, S.H., pengganti dari Eliza Pondaag, were made under the name of PT Inter-Pacific Financial S.H. dengan nama PT Inter-Pacific Financial Corporation Corporation with business activities as a non- bank financial dengan kegiatan usaha sebagai lembaga keuangan non- institution before Bagijo, S.H., a substitute notary of Eliza bank. Pondaag, S.H. Pada 23 Agustus 1990, PT Inter-Pacific Financial On August 23, 1990, PT Inter-Pacific Financial Corporation Corporation mencatatkan saham di Bursa Efek Indonesia listed its shares on the Indonesia Stock Exchange (formerly (d/h Bursa Efek Jakarta dan Surabaya). Selanjutnya, the Jakarta and Surabaya Stock Exchanges). Furthermore, berdasarkan Akta No. 67 tanggal 19 Mei 1992 PT Inter- based on Deed No. 67 dated May 19, 1992, PT Inter-Pacific Pacific Financial Corporation mengubah namanya menjadi Financial Corporation changed its name to PT Inter-Pacific PT Inter-Pacific Bank Tbk yang sekaligus mengawali Bank Tbk this name change initiated the Bank’s steps to langkah Bank untuk memasuki industri perbankan setelah enter the banking industry. The Bank started conducting mendapat izin usaha melalui Surat Keputusan Menteri business activities as a commercial bank on February 24, Keuangan Republik Indonesia No. 176/KMK.017/1993 1993 based on the Decree of the Minister of Finance of the pada tanggal 24 Februari 1993. Pada tahun 1997, Bank Republic of Indonesia No. 176/KMK.017/1993. Based on mengubah namanya menjadi PT Bank Inter-Pacific Tbk, Deed No. 44 dated June 13, 1997, the Bank changed its berdasarkan Akta No. 44 tanggal 13 Juni 1997. name again to PT Bank Inter-Pacific Tbk. Pada tahun 2005, PT Bank Inter-Pacific Tbk melakukan In 2005, PT Bank Inter-Pacific Tbk merged with PT Bank merger dengan PT Bank Artha Graha dan kemudian Artha Graha and then changed its name to PT Bank Artha mengubah namanya menjadi PT Bank Artha Graha Graha Internasional Tbk which is used today. This corporate Internasional Tbk yang digunakan hingga saat ini. Aksi action has received an effective statement from the Capital tersebut telah mendapatkan pernyataan efektif dari Market and Financial Institution Supervisory Agency Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam and LK) based on the Letter of the Chairman (Bapepam dan LK) berdasarkan Surat Ketua Bapepam dan of Bapepam and LK No. S-769/PM/2005 dated April 13, LK No. S-769/PM/2005 tanggal 13 April 2005, serta telah 2005, the merger has also obtained approval from Bank memperoleh persetujuan Bank Indonesia berdasarkan Indonesia based on the Decree of the Governor of Bank Surat Keputusan Gubernur Bank Indonesia No. 7/32/ Indonesia No. 7/32/KEP.GBI/2005 dated June 15, 2005 KEP.GBI/2005 tanggal 15 Juni 2005 tentang Pemberian concerning Granting of Business Merger License (merger) Izin Penggabungan Usaha (Merger) PT Bank Artha Graha of PT Bank Artha Graha into PT Bank Inter-Pacific Tbk. The ke dalam PT Bank Inter-Pacific Tbk. Dengan demikian, business license of PT Bank Inter-Pacific Tbk was changed izin usaha PT Bank Inter-Pacific Tbk diubah berdasarkan based on the Decree of the Governor of Bank Indonesia Surat Keputusan Gubernur Bank Indonesia No. 7/49/KEP. No. 7/49/KEP.GBI/2005 dated August 16, 2005 concerning GBI/2005 tanggal 16 Agustus 2005 tentang Perubahan the Change of Business License on Behalf of PT Bank Inter- Izin Usaha atas Nama PT Bank Inter-Pacific Tbk menjadi Pacific Tbk to Business License on Behalf of PT Bank Artha Izin Usaha atas Nama PT Bank Artha Graha Internasional Graha Internasional Tbk. Tbk. 58 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 59
Company Profile Bank Artha Graha Internasional menyediakan beragam Bank Artha Graha Internasional provides various banking produk dan layanan perbankan bagi nasabah. Selain products and services for customers. Apart from savings produk simpanan, pinjaman, dan jasa perbankan, Bank products, loans, and banking services, the Bank also juga terus melakukan inovasi pengembangan layanan continues to innovate in developing digital services to digital untuk mengakomodir kebutuhan nasabah meliputi accommodate customer needs including ATM Grahacash, ATM Grahacash, Mobile Banking Internet, Laku Pandai Mobile Banking Internet, Laku Pandai, and QRIS services. In serta layanan QRIS. Selain itu, Bank juga membuka addition, the Bank also opens new business opportunities peluang bisnis baru melalui kerja sama dengan mitra through collaboration with digital-based business partners bisnis berbasis digital dengan melalui implementasi through the implementation of an API (Application layanan API (Application Programming Interface) yang Programming Interface) service which continues to terus dikembangkan untuk memenuhi kebutuhan bisnis developed to meet business needs for B2B (Business to kerja sama B2B (Business to Business) dalam rangka Business) collaboration in order to form a digital ecosystem. membentuk ekosistem digital. Seiring dengan peningkatan penggunaan layanan digital Along with increasing the use of digital bank services, the bank, Bank juga terus melakukan akselerasi transformasi Bank also continues to accelerate the digital transformation digital layanan perbankan. Selain penguatan dalam produk of banking services. In addition to reinforcement in dan layanan e-channel, penguatan layanan API juga the product and e-channel services, strengthening API terus dilakukan guna memperluas jaringan untuk akuisisi services is also continuously being carried out in order to Nasabah serta peningkatan transaksi sehingga dapat expand the network for customer acquisition and increase meningkatkan Fee Base Income Bank melalui ekosistem transactions so as to increase the Bank’s Fee Base Income digital yang dibentuk. Pada Desember 2022, Bank Artha through the digital ecosystem that has been formed. In Graha Internasional telah memperoleh rekomendasi dari December 2022, Bank Artha Graha Internasional received Bank Indonesia untuk implementasi BI-SNAP (Standar a recommendation from Bank Indonesia to implement the Nasional Open API Sistem Pembayaran) yang siap untuk BI-SNAP (National Standard Open API Payment System) diimplementasi di tahun 2023. Hal ini bertujuan agar which is ready to be implemented in 2023. This aims to kaidah dan spesifikasi teknis yang dikeluarkan telah sesuai ensure that the rules and technical specifications issued to dengan standard API dari Bank Indonesia. comply with API standards from Bank Indonesia. Dari tahun 2021, Bank telah bergabung ke dalam jaringan In 2021, the Bank joined the QRIS Network (Quick QRIS (Quick Response Code Indonesian Standard) Response Code Indonesian Standard) so that it can meet sehingga dapat memenuhi kebutuhan Nasabah untuk the needs of customers to make cashless transactions melakukan transaksi cashless dengan menggunakan QR using the National standard QR code. Customers can code berstandar Nasional. Layanan QRIS dapat dinikmati enjoy QRIS services through the Bank’s mobile banking oleh Nasabah melalui aplikasi mobile banking Bank, agi application, agi digital apps (Issuer), by scanning the QR digital apps (Issuer), dengan memindai QR code berlogo code with the QRIS logo at all merchants in Indonesia. In QRIS di seluruh merchant di Indonesia. Disamping itu, addition, the Bank also provides QRIS payment services for Bank juga menyediakan layanan pembayaran QRIS merchants working with the Bank (Acquirers) through the untuk merchant yang bekerja sama dengan Bank AGI Pay application which can accept payments from any (Acquirer) melalui aplikasi AGI Pay yang dapat menerima electronic money funding sources and accounts. Through pembayaran dari sumber dana uang elektronik dan the implementation of QRIS, the Bank opens opportunities rekening manapun. Melalui implementasi QRIS ini, Bank to expand the retail network by increasing the number membuka kesempatan untuk memperluas jaringan retail of merchants who cooperate. At the end of December dengan memperbanyak merchant yang bekerja sama. 2022, the number of merchants who have joined is 22,138 Pada akhir Desember 2022, jumlah merchant yang merchants. The future development roadmap will continue telah tergabung sebanyak 22.138 merchant. Roadmap to be improved for QRIS services, the Bank plans to join the pengembangan kedepannya terus akan ditingkatkan QRIS Cross Border, as well as the implementation of the untuk layanan QRIS, Bank berencana tergabung dalam QRIS TTS Service (Transfer Withdrawal and Cash Deposit). QRIS Cross Border, serta implementasi layanan QRIS TTS (Transfer Tarik dan Setor Tunai). PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 59
Page 60
Profil Perusahaan Selain itu, untuk mengakomodir layanan finansial In addition, to accommodate financial services to kepada nasabah, Bank terus melakukan pengembangan customers, the Bank continues to carry out sustainable berkelanjutan pada channel Bank. Di tahun 2022, Bank development on the Bank’s channels. In 2022, the Bank telah melakukan implementasi kepada nasabah untuk launched the agi digital apps service, which can be used pelayanan agi digital apps yang dapat digunakan untuk for the needs of retail customers. Adjustments in UI/ kebutuhan nasabah retail. Penyesuaian dalam UI/UX, UX, additional features, and simplification of transaction penambahan fitur, dan simplifikasi proses transaksi yang processes developed according to customer experience. dikembangkan sesuai dengan experience nasabah. Upgrading internet banking services for companies is also Upgrading layanan internet banking untuk perusahaan carried out to accommodate the various financial needs of juga dilakukan guna mengakomodir kebutuhan financial companies through business internet banking products. perusahaan yang beraneka ragam melalui produk internet banking bisnis. Salah satu aspek penting dari transformasi digital Bank A critical aspect of the Bank’s digital transformation is the adalah layanan digital lending yang direncanakan untuk digital lending service planned to launch in 2023. Through meluncur pada tahun 2023. Melalui layanan ini, Bank this service, the Bank makes it easier for customers to obtain memudahkan nasabah dalam memperoleh pinjaman loans with a faster and easier process through a digital dengan proses yang lebih cepat dan mudah melalui platform. This service also makes it easy for customers to platform digital. Layanan ini juga memberikan kemudahan apply for loans and pay online installments. bagi nasabah dalam melakukan pengajuan pinjaman dan melakukan pembayaran angsuran secara online. Inovasi layanan digital yang dilakukan Bank tidak hanya The Bank’s digital service innovation focuses on improving memfokuskan pada peningkatan pelayanan, namun juga services and pays attention to aspects of financial inclusion. memperhatikan aspek inklusi keuangan. Layanan digital The digital services offered by the Bank can be accessed by yang ditawarkan Bank dapat diakses oleh seluruh lapisan all levels of society, both in cities and villages. This helps the masyarakat, baik oleh mereka yang berada di kota maupun Bank realize its vision to reach out to the entire community di desa. Ini membantu Bank dalam mewujudkan visinya and provide financial solutions that suit the needs of each untuk menjangkau seluruh masyarakat dan memberikan customer. solusi keuangan yang sesuai dengan kebutuhan setiap nasabah. Pada akhir tahun 2021, Bank juga telah memenuhi At the end of 2021, the Bank has also complied with ketentuan Peraturan OJK No. 12/POJK.03/2020 tentang the provisions of OJK Regulation No. 12/POJK.03/2020 Konsolidasi Bank Umum yang mensyaratkan modal inti concerning the Consolidation of Commercial Banks, which minimum sebesar Rp3 triliun paling lambat pada 31 requires a minimum core capital of IDR3 trillion no later Desember 2022. than December 31, 2022. 60 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 61
Company Profile
Visi, Misi, dan Nilai-Nilai Bank [GRI 2-1] [OJK C.1]
Vision, Mission and Values of the Bank [GRI 2-1] [OJK C.1]
Menjadi Institusi Keuangan Terkemuka dengan Kinerja Prima yang
Visi Berkelanjutan dan Berkontribusi dalam Pembangunan Indonesia.
Vision To Become a Leading Financial Institution with Excellent Performance that is
Sustainable and Contributes to Indonesia’s Development.
1. Memberikan solusi keuangan berkelanjutan yang komprehensif dan inovatif;
Misi 2. Meningkatkan jangkauan serta kualitas pelayanan melalui digitalisasi dan
inklusi keuangan;
Mission 3. Mengembangkan sumber daya manusia yang andal dan berdedikasi; dan
4. Menjalankan tata kelola Bank yang baik serta peduli terhadap masyarakat
dan lingkungan.
1. Providing comprehensive and innovative sustainable finance solutions;
2. Increasing the reach and quality of services through digitalization and financial
inclusion;
3. Develop reliable and dedicated human resources; and
4. Carry out good bank governance and care for society and the environment.
Nilai-Nilai Bank
Bank Values
Agility Collaboration Innovation
Mampu untuk berpikir dan bertindak Senantiasa membuka kesempatan untuk Konsisten dalam mencapai upaya
cepat dalam mengevaluasi dan merespons berkolaborasi dengan mitra strategis terbaik berupa usulan atau tindakan
dinamika perubahan industri yang yang kompeten dalam menciptakan perbaikan bertahap atau signifikan guna
berdampak kepada keberlangsungan peluang baru demi kemajuan Perseroan. menciptakan efisiensi, efektivitas, dan
Perseroan. nilai tambah di bidang produk, proses,
pelayanan, dan/atau teknologi untuk
memajukan Perseroan.
Able to think and act quickly in Always open to collaborating with Be Consistent in achieving the best
evaluating and responding to the competent strategic partners in creating efforts through gradual or significant
dynamics of industrial changes that new opportunities for the company’s improvement proposals or actions to
impact the company’s sustainability. progress. create efficiency, effectiveness, and
added value in products, processes,
services, and/or technology to advance
the company.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 61
Page 62
Profil Perusahaan
Kegiatan Usaha [GRI 2-6]
Business Activities [GRI 2-6]
KEGIATAN USAHA MENURUT ANGGARAN DASAR BUSINESS ACTIVITIES ACCORDING TO THE ARTICLES
OF ASSOCIATION
Berdasarkan Pasal 3 Anggaran Dasar Perusahaan yang Based on Article 3 of the Company’s Articles of Association,
tertuang dalam Akta No. 16 tanggal 13 November 2020, as stated in Deed No. 16 Dated November 13, 2020, the
ruang lingkup kegiatan Bank adalah menjalankan usaha scope of the Bank’s activities is to conduct business as
sebagai bank umum swasta devisa. Dengan demikian, a foreign exchange private commercial bank. Thus, the
Bank dapat melaksanakan kegiatan usaha sebagai berikut: Bank can carry out the following business activities:
Kegiatan Usaha Utama Main Business Activity
1. Menghimpun dana dari masyarakat dalam bentuk 1. Collecting funds from the public in the form of
simpanan giro, deposito berjangka, sertifikat deposito, demand deposits, time deposits, certificates of
tabungan dan/atau bentuk lainnya yang dipersamakan deposit, savings, and/or other equivalent documents;
dengan itu;
2. Memberikan kredit baik kredit jangka menengah, 2. Providing loans, both medium, long, or short-term
panjang atau pendek maupun jenis lainnya yang lazim loans or other types that are common in the banking
dalam dunia perbankan; world;
3. Menerbitkan surat pengakuan utang; 3. Issuing debt acknowledgment letters;
4. Membeli, menjual, atau menjaminkan atas risiko 4. Buy, sell, or guarantee at their own risk or for the
sendiri maupun untuk kepentingan dan atas perintah benefit of and at the behest of the Customer:
Nasabahnya:
• Surat-surat wesel, termasuk wesel yang diakseptasi • Money orders, including money orders accepted
oleh bank yang masa berlakunya tidak lebih lama by the bank, whose validity period is no longer
dari kebiasaan dalam perdagangan surat-surat than the customary trading of these letters;
tersebut;
• Surat pengakuan utang dan kertas dagang • Letters of acknowledgment of debt and other
lainnya yang masa berlakunya tidak lebih lama trade papers whose validity period is no longer
dari kebiasaan dalam perdagangan surat-surat than the custom in trading these letters;
tersebut;
• Kertas Perbendaharaan Negara dan Surat Jaminan • State Treasury Documents and Government
Pemerintah; Guarantee Letters;
• Sertifikat Bank Indonesia (SBI); • Bank Indonesia Certificates (SBI);
• Obligasi; • Bond;
• Surat promes yang dapat diperdagangkan dengan • Tradable promissory notes with a maturity of up to
berjangka waktu sampai dengan 1 (satu) tahun; 1 (one) year; and
dan
• Surat berharga lain yang berjangka waktu sampai • Other securities with a maturity of up to 1 (one)
dengan 1 (satu) tahun. year.
5. Memindahkan uang, baik untuk kepentingan sendiri 5. Transferring money, both for their interests and for the
maupun untuk kepentingan Nasabah; interests of customers;
6. Menempatkan dana pada, meminjam dana dari atau 6. Placing funds at, borrowing funds from, or lending
meminjamkan dana kepada bank lain, baik dengan funds to other banks, either by using letters,
menggunakan surat, sarana telekomunikasi maupun telecommunication facilities, or by money orders,
dengan wesel unjuk, cek atau sarana lainnya; checks, or other means;
62 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 63
Company Profile
7. Menerima pembayaran dari tagihan atas surat 7. Receive payments from bills on securities and perform
berharga dan melakukan perhitungan dengan atau calculations with or between third parties;
antara pihak ketiga;
8. Melakukan penempatan dana dari Nasabah kepada 8. Placing funds from customers to other customers in
Nasabah lainnya dalam bentuk surat berharga yang the form of securities listed on the stock exchange;
tercatat di bursa efek;
9. Melakukan kegiatan dalam valuta asing dengan 9. Conducting activities in foreign currency by complying
memenuhi ketentuan yang ditetapkan oleh Bank with the provisions stipulated by Bank Indonesia; and
Indonesia; dan
10. Menyediakan pembiayaan dan/atau melakukan 10. Provide financing and/or carry out other activities by
kegiatan lain sesuai dengan ketentuan yang ditetapkan the provisions stipulated by Bank Indonesia.
Bank Indonesia.
Kegiatan Usaha Penunjang Supporting Business Activity
1. Menyediakan tempat untuk menyimpan barang dan 1. Provide a place to store goods and securities;
surat berharga;
2. Melakukan kegiatan penitipan untuk kepentingan 2. Carry out custodial activities for the benefit of other
pihak lain berdasarkan suatu kontrak; parties based on a contract;
3. Membeli agunan baik semua maupun sebagian 3. Purchase of collateral either in whole or in part through
melalui pelelangan dalam hal debitur tidak memenuhi an auction if the debtor does not fulfill his obligations
kewajibannya kepada Perseroan dengan ketentuan to the Company provided that the collateral purchased
agunan yang dibeli tersebut wajib dicairkan must be disbursed as soon as possible;
secepatnya;
4. Melakukan kegiatan anjak piutang, usaha kredit dan 4. Carry out factoring activities, credit business, and
kegiatan wali amanat; trustee activities;
5. Melakukan kegiatan sebagai penyelenggara dana 5. Carry out activities as pension fund organizers
pensiun sesuai dengan peraturan perundang- following applicable laws and regulations, both as
undangan yang berlaku, baik selaku pendiri dana founders of employer pension funds and as founders
pensiun pemberi kerja maupun selaku pendiri dan/ and/or participants of financial institution pension
atau peserta dana pensiun lembaga keuangan; funds;
6. Melakukan kegiatan penyertaan modal pada bank 6. Carry out equity participation activities in banks or
atau perusahaan lain di bidang keuangan sewa guna other companies in the field of leasing finance, venture
usaha, perusahaan modal ventura, perusahaan efek, capital companies, securities companies, insurance
perusahaan asuransi, lembaga kliring dan penjamin companies, clearing and guarantee institutions, as
serta lembaga penyimpan dan penyelesaian, dengan well as depository and settlement institutions, by
memenuhi ketentuan yang ditetapkan oleh instansi complying with the provisions stipulated by the
yang berwenang; competent authority;
7. Melakukan kegiatan penyertaan modal sementara 7. Carry out temporary investment activities to overcome
untuk mengatasi kredit macet, dengan syarat harus bad loans, with the condition that they must withdraw
menarik kembali penyertaannya sesuai dengan their participation following the provisions stipulated
ketentuan yang ditetapkan Bank Indonesia; dan by Bank Indonesia; and
8. Mengusahakan usaha-usaha lain yang berhubungan 8. Carry out other businesses directly or indirectly related
langsung atau tidak langsung dengan maksud di atas to the above purposes whose implementation does
yang pelaksanaannya tidak bertentangan dengan not conflict with the laws in force in Indonesia.
Undang-Undang yang berlaku di Indonesia.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 63
Page 64
Profil Perusahaan
PRODUK DAN JASA [GRI 2-6] [OJK C.4] PRODUCTS AND SERVICES [GRI 2-6] [OJK C.4]
Produk dan Jasa
Product and Services
Tabungan Icon | Icon Savings
Tabungan Artha | Artha Savings
Tabungan Artha Merchant | Artha Merchant Savings
Tabungan Wira | Wira Savings
Tabungan Pintar | Pintar Savings
Tabungan Prega | Prega Savings
Tabungan Simpanan Pelajar (SimPel) | Simpanan Pelajar (SimPel) Savings
Produk Pendanaan
Funding Products TabunganKu
Giro | Current Account
Rekening Terpisah | Segregated Account
Deposito | Time Deposit
Kredit Produktif
Credit Productive
Pinjaman Rekening Koran | Current Account Loans
Revolving Loan
Fixed Loan
Supply Chain Financing
Money Market Line
Negosiasi Wesel Ekspor | Export Bill Negotiation
Produk Pelepasan Dana
Release of Funds Products Kredit Ekspor | Export Credit
Trust Receipt
Advances Under L/C
Clean Bills Purchased
64 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 65
Company Profile
Produk dan Jasa
Product and Services
Kredit Konsumtif
Credit Consumptive
KPR ASyiG
KPR Graha
KPR Sejahtera FLPP
Produk Pelepasan Dana Kredit Tanpa Agunan (KTA) | Collateralless Credit (KTA)
Release of Funds Products
Kredit Kendaraan Bermotor (KKB) | Motor Vehicle Loans (KKB)
Bank Garansi | Bank Guarantee
Letter of Credit
Standby Letter of Credit
Shipping Guarantee
Custom Guarantee
Fasilitas Kredit Lainnya
Other Credit Facilities
Foreign Exchange Contract
Digital Apps
QRIS (Quick Response Indonesia Standard)
API (Application Programming Interface)
Internet Banking Business
Retail Internet Banking
Kartu ATM GrahaCash GPN | ATM GrahaCash GPN Card
Layanan Digital Bank Fitur Virtual Account and Billing System | Virtual Account and Billing System Feature
Digital Bank Services
BI FAST
Fitur Payroll | Payroll Feature
Laku Pandai
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 65
Page 66
Profil Perusahaan
Layanan Digital Bank
Digital Bank Services
Life
Manage
Beragam fitur baru untuk memenuhi gaya hidupmu.
A variety of new features to meet your lifestyle.
Segala informasi rekening untuk membantu mengatur
dan monitor pengeluaranmu.
All account information to help manage and monitor your
expenses.
66 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 67
Company Profile Home Penambahan fitur serta biller baru untuk memenuhi segala transaksi finansial & nonfinansial. Additional features and new billers to fulfill all financial & non-financial transactions. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 67
Page 68
Profil Perusahaan
Struktur Organisasi
Organizational Structure
Board of Commissioners
President Commissioner/ Vice President Vice President Independent Independent
Independent Commissioner Commissioner Commissioner Commissioner Commissioner
KIKI SYAHNAKRI SUGIANTO KUSUMA TOMY WINATA NICOLAUS EKO RIWAYANTO ELIZAWATIE SIMON
President Director
DIRECTOR
ANDY KASIH
Risk Human
IT Steering Credit ALCO
Management Capital
Committee Committee Committee Vice President Director
Committee Committee
CHRISTINA HARAPAN
Head of Bureau Corporate Secretary
EMELIA SUSANTO MARLENE GUNAWAN
Director Director
Business & Treasury Digital & Retail
ANDY DHARMA INDRASTOMO NUGROHO
Business Business SKTI Digital Regional Human Capital
Banking 1 Banking 2 Insight Head
IMRANUL HADI ELVIN HALIM
SUMBER REJEKI VACANT GHIFARI VACANT
Treasury
ARIESZA
RHIANDINI
General Affairs
LIDYA SETIAWATI
Per 31 Desember 2022 | Per December 31, 2022
68 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 69
Company Profile
Audit Risk Monitoring Remuneration and Nomination
Committee Committee Committee
KIKI SYAHNAKRI ELIZAWATIE SIMON NICOLAUS EKO RIWAYANTO
ANGGOTA ANGGOTA ANGGOTA
ANGGOTA ANGGOTA ANGGOTA
Internal Audit
ADHYAKSA
SITEPU
Director
Chief Financial Officer Risk Management & Director Asset Recovery
SUSANA Compliance INDRA S. BUDIANTO
ANAS LATIEF
Legal Bureau
GARY
Associate Director Associate Director
Operation Asset Recovery
LINCE TOBING FX. RONY LOMBOAN
Operation 1 Recovery &
Compliance Restructure
ROCKY S.
PONTTIE P. FX TEGUH
LAURENS
SURYANTO
Operation 2
Risk Management
INNAWATI Asset Retail &
VACANT
SULINA Consumer
TOMY YONGELIS
Asset Corporate &
Commercial
REVINA AYU
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 69
Page 70
Profil Perusahaan
Lokasi Operasi dan Pasar yang Dilayani [GRI 2-1, 2-6]
Operational Locations and Markets Served [GRI 2-1, 2-6]
Sumatra Utara | North Sumatra
Kalimantan Barat |
Riau West Borneo
Kepulauan Riau | Riau Islands
Kepulauan Babel |
Babel Islands
Jambi
Sumatra Selatan | DKI Jakarta
South Sumatra Kalimantan
South Borne
Lampung Jawa Barat | West Java
Banten
Jawa Tengah | Central Java
Jawa Timur |
East Java Bali
Jumlah Kantor Berdasarkan Wilayah
Number of Office by Area
67 Kantor
Offices
70 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 71
Company Profile
Sulawesi Utara |
Kalimantan Timur |
North Sulawesi
East Borneo
Maluku Utara Ternate |
Ternate North Maluku
Selatan | Maluku Ambon
eo
Sulawesi Tenggara |
Sulawesi Selatan | South East Sulawesi
South Sulawesi
Kupang (NTT)
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 71
Page 72
Profil Perusahaan
Jumlah Kantor Berdasarkan Area Tahun 2022 Number of Offices by Area in 2022
Kegiatan Pelayanan
Kas ATMs
KC KCP Cash Service Activities
Area
BO SBO
Payment Mobile KC KCP Jumlah
PP OFF
Point Terminal BO SBO Total
DKI Jakarta 6 21 - 1 7 23 - 19 49
Jawa Barat
4 7 - - 4 7 - 15 26
West Java
Banten - 2 - - - 2 - 3 5
Jawa Tengah
2 - - - 2 - - 1 3
Central Java
Jawa Timur
1 1 - - 1 1 - - 2
East Java
Bali 1 1 - - 1 1 - 4 6
Sumatra Utara
1 1 - - 2 2 - 3 7
North Sumatra
Sumatra Selatan
1 - - - 1 - - 2 3
South Sumatra
Riau 1 - - - 2 - - 2 4
Kepulauan Riau
1 - - - 1 - - 1 2
Riau Islands
Jambi 1 - - - 1 - - - 1
Kepulauan Babel
1 - - - 1 - - - 1
Babel Islands
Lampung 1 - - - 1 - - - 1
Kalimantan Timur
2 - - - 2 - - - 2
East Borneo
Kalimantan Barat
1 - - - 1 - - 4 5
West Borneo
Kalimantan Selatan
1 - - - 1 - - - 1
South Borneo
Sulawesi Selatan
1 - - - 1 - - - 1
South Sulawesi
Sulawesi Utara
2 - - - 2 - - - 2
North Sulawesi
72 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 73
Company Profile
Kegiatan Pelayanan
Kas ATMs
KC KCP Cash Service Activities
Area
BO SBO
Payment Mobile KC KCP Jumlah
PP OFF
Point Terminal BO SBO Total
Sulawesi Tenggara
North East 1 - - - 2 - - 1 3
Sulawesi
Kupang (NTT) 1 - - - 1 - - 1 2
Maluku Utara
Ternate
1 - - - 1 - - - 1
North Maluku
Ternate
Maluku Ambon 1 2 - - 1 2 - 1 4
Jumlah
32 35 - 1 36 38 - 57 131
Total
Jumlah Kantor Berdasarkan Jenis Kantor 2018-2022 Number of Office Based on Office Type 2018-2022
Jenis Kantor
2022 2021 2020 2019 2018
Type of Office
Kantor Cabang
32 32 32 33 34
Branch Office
Kantor Cabang Pembantu
35 36 40 54 58
Sub-Branch Office
Kantor Kas
- - 2 4 8
Cash Office
Kegiatan Pelayanan Kas
Cash Service Activities
Payment Point - - 6 7 9
Mobile Terminals 1 1 1 1 1
ATMs
On Premises 74 72 80 97 106
Off Premises 57 46 44 50 43
Jumlah ATM
131 118 124 147 149
Total ATMs
Jumlah
199 187 205 246 259
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 73
Page 74
Profil Perusahaan
Skala Perusahaan [GRI 2-6]
Enterprise Scale [GRI 2-6]
Jumlah Kantor Berdasarkan Jenis Kantor 2020-2022 Number of Office Based on Office Type 2020-2022
Uraian Satuan
2022 2021 2020
Description Unit
Total Karyawan Orang
1.487 1.581 1.787
Total Employees Person
Kantor Cabang
32 32 32
Branch Office
Jumlah Total Operasi Kantor Cabang Pembantu
35 36 40
Number of Total Operations Sub-Branch Office
Kantor Kas
- - 2
Cash Office
Laba (Rugi) Bersih Jutaan Rupiah
54.997 (168.063) 21.371
Net (Loss) Profit Million Rupiah
Pendapatan Bunga Bersih Jutaan Rupiah
950.633 767.757 631.787
Net Interest Income Million Rupiah
Total Ekuitas Jutaan Rupiah
4.004.370 3.953.949 3.559.535
Total Equity Million Rupiah
Total Liabilitas Jutaan Rupiah
21.433.263 22.173.871 26.967.430
Total Liabilities Million Rupiah
Total Aset Jutaan Rupiah
25.437.633 26.127.820 30.526.965
Total Asset Million Rupiah
Masyarakat Masyarakat Masyarakat
(masing-masing (masing-masing (masing-masing
di bawah 5%) di bawah 5%) di bawah 5%)
Pemilik saham mayoritas Persen
59,30 59,30 55,78
Majority shareholder Percent
Community Community Community
(each below 5%) (each below 5%) (each below 5%)
59.30 59.30 55.78
74 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 75
Company Profile
Rantai Pasokan [GRI 2-6]
Supply Chain [GRI 2-6]
Bank membutuhkan dukungan rantai pasokan agar Banks need supply chain support so that suppliers/partners
kebutuhan Perseroan atas barang dan jasa bisa dipenuhi can meet the Company’s needs for goods and services,
oleh pemasok/mitra di antaranya jasa kontraktor, jasa including contractor services, planning consulting services,
konsultan perencana, jasa konsultan pengawas, jasa supervisory consulting services, appraisal services, other
appraisal, jasa konsultan lainnya, jasa ekspedisi dan porto consulting services, freight forwarding, and mailing
surat, jasa keamanan, jasa kebersihan, dan kearsipan atau services, security services, cleaning services, and archives
dokumentasi. Secara prinsip, Bank menerapkan inklusif or documentation. In principle, the Bank implements an
bisnis dengan memberikan kesempatan yang sama inclusive business by providing equal opportunities to all
kepada seluruh mitra pemasok sepanjang memenuhi supply partners as long as they meet the standards and
standar dan kriteria kualitas, harga, faktor keamanan serta criteria for quality, price, and safety factors and consider
mempertimbangkan waktu pengiriman atau penyelesaian delivery time or work completion.
pekerjaan.
Pengadaan barang dan jasa dilakukan Bank dengan The Bank procures goods and services by implementing an
menerapkan sistem e-Procurement guna mewujudkan e-Procurement system to create transparency, efficiency,
transparansi, efisien, efektif sekaligus mengurangi and effectiveness while reducing paper use. Every supplier
penggunaan kertas. Setiap mitra pemasok yang ingin partner who wants to cooperate must first pass verification
menjalin kerja sama harus melewati verifikasi terlebih regarding administrative completeness, track record,
dahulu, baik secara kelengkapan administrasi, rekam and achievements or added value that can be provided.
jejak dan prestasi atau nilai tambah yang dapat diberikan. Periodically, the Bank evaluates partner performance to
Secara berkala, Bank melakukan evaluasi terhadap determine the continuation of cooperation in the future.
kinerja mitra untuk menentukan keberlanjutan kerja sama [GRI 3-3]
di waktu berikutnya. [GRI 3-3]
Seluruh mitra pemasok Bank saat ini adalah pemasok lokal All of the Bank’s supply partners are currently local
sebesar 308 atau 100%, sama dengan persentase tahun suppliers of 308 or 100%, the same as the previous year’s
sebelumnya. Kerja sama Bank beserta mitra pemasok percentage. The cooperation between the Bank and
lokal, secara tidak langsung telah membuka peluang local supply partners has indirectly opened up economic
ekonomi khususnya bagi pelaku usaha berskala kecil dan opportunities, especially for small and medium scale
menengah. [GRI 204-1] businesses. [GRI 204-1]
Tabel Pemasok Barang dan Jasa serta Nilai Kontrak Table of Goods and Services Suppliers and Contract Value
Tahun 2020-2022 for 2020-2022
Jumlah Pemasok Nilai Kontrak Pekerjaan (Jutaan Rupiah)
Keterangan Total Supplier Contract Value (Million Rupiah)
Descriptions
2022 2021 2020 2022 2021 2020
Luar Negeri/Asing
- - - - - -
Overseas/Foreign
Pemasok Lokal
308 171 210 111.600 82.224 44.316
Local Supplier
Jumlah
308 171 210 111.600 82.224 44.316
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 75
Page 76
Profil Perusahaan
Perubahan Signifikan pada Organisasi dan
Rantai Pasokan [GRI 2-6] [C.6]
Significant Changes in Organization and Supply Chain [GRI 2-6] [C.6]
Perubahan Perseroan yang bersifat signifikan, antara Significant changes in the Company, among others,
lain terkait dengan pembukaan, perubahan nama dan related to the opening, name change, and closing of
penutupan kantor cabang dan juga layanan ATM: branch offices as well as ATM services:
• Dalam rangka meningkatkan layanan bagi nasabah • To improve services for customers, especially in
terutama dalam melakukan transaksi, maka sepanjang making transactions, throughout 2022, Bank Artha
tahun 2022 Bank Artha Graha Internasional telah Graha Internasional has opened a new ATM network
melakukan pembukaan jaringan ATM baru di 14 in 14 (fourteen) location points:
(empat belas) titik lokasi:
1. ATM off Premíses PT Pabrik Baja Perkasa Sentosa 1. ATM off Premíses PT Pabrik Baja Perkasa Sentosa
Jl Gorda Km 4 No. 20 Cikande, Maja Julang, Jl Gorda Km 4 No. 20 Cikande, Maja Julang,
Kibin, Serang Banten, Kode Pos 42185, Kibin, Serang Banten, Postal Code 42185,
Telp. (021) 5467217 Phone. (021) 5467217
2. ATM off Premises Gd.YLPI Buntet Pesantren 2. ATM off Premises Gd.YLPI Buntet Pesantren
Gedung YLPI, Pesantren Desa Mertapada YLPI Building, Mertapada Kulon Village Islamic
Kulon, Astanajapura, Cirebon, Kode Pos 45181, Boarding School, Astanajapura, Cirebon, Postal
Telp. (0231) 204227 Code 45181, Phone. (0231) 204227
3. ATM Hotel Borobudur 3 3. ATM Hotel Borobudur 3
Jl. Lapangan Banteng Selatan No. 1, Jakarta Pusat Jl. Lapangan Banteng Selatan No. 1, Central
Telp. (021) 3842003, Kode Pos 10710 Jakarta, Phone. (021) 3842003, Postal Code 10710
4. ATM off Premises Sentral Pasar Raya 1 4. ATM off Premises Sentral Pasar Raya 1
ATM Galeri Lantai LG Sentral Pasar Raya ATM Gallery LG Floor, Central Pasar Raya (SPR)
(SPR) Plaza, JI Prof M Yamin (Ex. Terminal Plaza, JI Prof M Yamin (Ex. Terminal Goan Hoat)
Goan Hoat) RT 01/04, Kampung Jao, Neighborhood Association 01/04, Kampung
Padang Barat, Kota Padang, Sumatra Barat, Jao, West Padang, Padang City, West Sumatra,
Telp. (0751) 30300, Kode Pos 25112 Phone. (0751) 30300, Postal Code 25112
5. ATM off Premises Sentral Pasar Raya 2 5. ATM off Premises Sentral Pasar Raya 2
ATM Galeri Lantai LG Sentral Pasar Raya (SPR) ATM Gallery LG Floor, Central Pasar Raya (SPR)
Plaza, JI Prof M Yamin (Ex. Terminal Goan Hoat) RT Plaza, JI Prof M Yamin (Ex. Terminal Goan Hoat)
01/04, Kampung Jao, Padang Barat, Kota Padang, Neighborhood Association 01/04, Kampung
Sumatra Barat, Telp. (0751) 30300, Kode Pos 25112 Jao, West Padang, Padang City, West Sumatra,
Phone. (0751) 30300, Postal Code 25112
6. ATM off Premises Cimanggis Golf Estate 6. ATM off Premises Cimanggis Golf Estate
Jl. Cimanggis Boulevard, Tapos Kota Depok, Jl. Cimanggis Boulevard, Tapos Depok City,
Kode Pos 16457, Telp. (021) 7210222 Postal Code 16457, Phone. (021) 7210222
7. ATM off Premises PP 28 7. ATM off Premises PP 28
Jl. Pasir Putih Raya No. 28, Ancol, Pademangan, Jl. Pasir Putih Raya No. 28, Ancol,
Jakarta Utara, Kode Pos 14430, Telp. (021) 45858090 Pademangan, North Jakarta, Postal Code 14430,
Phone. (021) 45858090
8. ATM off Premises SGA 8. ATM off Premises SGA
Jl. Agung Timur IX Blok N1 No. 1A, RT09/ Jl. Agung Timur IX Block N1 No. 1A, RT09/
RW11, Sunter Jaya, Tanjung Priok, Jakarta Utara, RW11, Sunter Jaya, Tanjung Priok, North Jakarta,
Kode Pos 14310, Telp. (021) 45858090 Postal Code 14310, Phone. (021) 45858090
76 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 77
Company Profile
9. ATM KCP Subang 2 9. ATM KCP Subang 2
Perumahan Subang Green City, Ruko Entrance Subang Green City Residance, Ruko Entrance
No. 1 - 2, Jl. Raya Cinangsi, Cibogo, Subang, Jawa No. 1 - 2, Jl. Raya Cinangsi, Cibogo, Subang, West
Barat, Kode Pos 41285, Telp. (0260) 4242097 Java, Postal Code 41285, Phone. (0260) 4242097
10. ATM off Premises PT Yuzu Indonesia 10. ATM off Premises PT Yuzu Indonesia
Kawasan Industri Newton Techno Park, JI. Jati 1 Newton Techno Park Industrial Area, JI. Jati 1 Block
Blok J5 No. 05 Lippo Cikarang, Kode Pos 17550, J5 No. 05 Lippo Cikarang, Postal Code 17550,
Telp. (021) 69901760 Phone. (021) 69901760
11. ATM off Premises Mall Artha Gading 2 11. ATM off Premises Mall Artha Gading 2
JI Boulevard Artha Gading Selatan No. 1, Lantai JI Boulevard Artha Gading Selatan No. 1, 2F
2F/B1/018-019/B/003, Kelapa Gading Barat, Floor/B1/018-019/B/003, West Kelapa Gading,
Kelapa Gading, Jakarta Utara, Kode Pos 14240, Kelapa Gading, North Jakarta, Postal Code 14240,
Telp. (021) 45858180 Phone. (021) 45858180
12. ATM off Premises Artha Industrial HilI 12. ATM off Premises Artha Industrial HilI
JI Trans Heksa Karawang, Ciketing II, Wanakerta, JI Trans Heksa Karawang, Ciketing II, Wanakerta,
Telukjambe Barat, Karawang, Jawa Barat, West Telukjambe, Karawang, West Java, Postal
Kode Pos 41361, Telp. (0267) 6486610 Code 41361, Phone. (0267) 6486610
13. ATM off Premises Roti Okeke 13. ATM off Premises Roti Okeke
JI Raya Cipanas No. 416 Cipendawa, Pacet, Cianjur, JI Raya Cipanas No. 416 Cipendawa, Pacet,
Jawa Barat, Kode Pos 43253, Telp. (0263) 517515 Cianjur, West Java, Postal Code 43253,
Phone. (0263) 517515
14. ATM off Premises Tiban Sekupang 14. ATM off Premises Tiban Sekupang
Supermarket Cipta Puri Indah, Komplek Pasar Cipta Cipta Puri Indah Supermarket, Cipta Puri Market
Puri Blok GG No.11 - 16 Tiban Baru, Sekupang, Complex Blok GG No. 11 - 16 Tiban Baru, Sekupang,
Batam, Kode Pos 29424 Batam, Postal Code 29424
• Perubahan Nama Penyesuaian Nomenklatur: • Name Change Nomenclature Adjustment:
Berdasarkan Surat Bupati Maluku Tenggara Based on the Letter of the Regent of Southeast
No. 007/3592/SETOA tentang Penyesuaian Nomenklatur Maluku No. 007/3592/SETOA concerning Adjustment
sesuai Wilayah Administrasi Pemerintah di Kabupaten of Nomenclature according to the Government
Maluku Tenggara, maka terdapat perubahan Administrative Area in Southeast Maluku Regency,
nomenklatur nama Bank Artha Graha Internasional there was a nomenclature change in the name of Bank
Kantor Cabang Pembantu Tual menjadi Bank Artha Artha Graha Internasional Tual Sub-Branch Office to
Graha Internasional Kantor Cabang Pembantu Langgur, Bank Artha Graha Internasional Langgur Sub-Branch
efektif tanggal 28 November 2022. Office, effective November 28, 2022.
• Penutupan: • Closing:
Kantor Cabang Pembantu dan Layanan ATM City Sub-Branch Office and City House ATM Services with
House yang beralamat di Lantai Dasar Lobby Club address at Ground Floor Lobby Club House Apartemen
House Apartemen Gading Resort Residences, JI Gading Resort Residences, JI Boulevard Raya KeIapa
Boulevard Raya KeIapa Gading, Jakarta Utara Kode Gading, North Jakarta Post Code 14240, Phone (021)
Pos 14240, Telp (021) 45858090 efektif ditutup pada 45858090 effectively closed on March 14, 2022.
tanggal 14 Maret 2022.
Sementara itu, berkaitan dengan rantai pasokan, pada Meanwhile, with regard to the supply chain, in 2022, there
tahun 2022, terdapat perubahan berupa penambahan will be changes in the form of increasing the number of
jumlah pemasok, yang berdampak pada bertambahnya suppliers, which will increase the value of the contract.
nilai kontrak. Perubahan rantai pasokan ini berdampak This supply chain change impacted the Bank’s efforts to
dalam upaya Bank mewujudkan target dan kinerja selama achieve targets and performance during the reporting
tahun pelaporan. year.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 77
Page 78
Profil Perusahaan Inisiatif Eksternal External Initiatives Bank berkomitmen untuk menjalankan operasional bisnis The Bank is committed to sustainable business operations yang berkelanjutan, baik pada aspek ekonomi, sosial, in economic, social, and governance aspects. One of dan tata kelola. Salah satu upaya yang dilakukan untuk the efforts made to support this commitment is that the mendukung komitmen itu adalah Perseroan mengikuti Company follows and supports several principles and dan mendukung beberapa prinsip dan inisiatif yang initiatives developed by other organizations, either in dikembangkan oleh organisasi lain, baik berupa sertifikasi the form of certification or standards for specific fields atau standar-standar untuk bidang-bidang tertentu, yang recognized nationally and internationally. diakui secara nasional maupun internasional. Berkaitan dengan komitmen tersebut, Bank telah In connection with this commitment, the Bank has melaksanakan konsep keuangan berkelanjutan implemented the concept of sustainable finance (Sustainable Finance/SF) sehingga terpilih sebagai salah (Sustainable Finance/SF) so that it was selected as one of satu “First Movers Sustainable Banking” oleh Otoritas the “First Movers Sustainable Banking” by the Financial Jasa Keuangan (OJK). Sebagai bentuk komunikasi dengan Services Authority (OJK). As a form of communication pemangku kepentingan terkait kinerja keberlanjutan, with stakeholders regarding sustainability performance, Bank mengadopsi pedoman Standar GRI, Sustainability the Bank adopts GRI Standard guidelines, Sustainability Accounting Standards Board (SASB), Peraturan Otoritas Accounting Standards Board (SASB), Financial Services Jasa Keuangan (POJK) 51/POJK.03/2017 tentang Authority Regulation (POJK) 51/POJK.03/2017 concerning Penerapan Keuangan Berkelanjutan bagi Lembaga Implementation of Sustainable Finance for Financial Jasa Keuangan, Emiten dan Perusahaan Publik, serta Services Institutions, Issuers, and Companies Public, as Pedoman Teknis bagi Bank Terkait Implementasi POJK well as Technical Guidelines for Banks Related to the 51/POJK.03/2017. Implementation of POJK 51/POJK.03/2017. 78 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 79
Company Profile
Keanggotaan Asosiasi [GRI 2-28] [OJK C.5]
Association Membership [GRI 2-28] [OJK C.5]
Bank bergabung dengan sejumlah asosiasi yang relevan The Bank joins several associations that are relevant to
dengan bidang usaha yang dijalankan perusahaan the company’s line of business so that it can keep abreast
sehingga dapat mengikuti perkembangan isu atau of the latest issues or topics and have the opportunity to
topik-topik terkini, sekaligus berkesempatan untuk express various opinions regarding these issues or topics.
menyampaikan berbagai pendapat terkait isu atau topik The associations that the company will participate in 2022
tersebut. Asosiasi yang diikuti Perseroan selama tahun are as follows:
2022 adalah sebagai berikut:
Skala
Nama Asosiasi (Lokal/Nasional/Internasional) Status Keanggotaan
Association Name Scale Membership Status
(Local/National/International)
ICSA (Indonesia Corporate Secretary Nasional Anggota
Association) National Member
AEI (Asosiasi Emiten Indonesia) Nasional Anggota
AEI (Indonesian Issuers Association) National Member
LAPS SJK
(Lembaga Alternatif Penyelesaian Sengketa
Sektor Jasa Keuangan) Nasional Anggota
LAPS SJK National Member
(Financial Services Sector Settlement
Alternative Institution)
PERBANAS (Perhimpunan Bank Nasional) Nasional Anggota
PERBANAS (National Bank Association) National Member
FKDKP (Forum Komunikasi Direktur Kepatuhan
Perbankan) Nasional Anggota
FKDKP (Banking Compliance Director National Member
Communication Forum)
ASPI (Asosiasi Sistem Pembayaran Indonesia) Nasional Anggota
ASPI (Indonesia Payment System Association) National Member
Selain asosiasi di atas, Bank juga bekerja sama dengan Apart from the above associations, the Bank cooperates
beberapa lembaga independen, seperti WWF Indonesia, with several independent institutions, such as WWF
IFC, USAID, dan LPPI dengan tujuan meningkatkan Indonesia, IFC, USAID, and LPPI, to increase competency
kompetensi dan pengetahuan dalam keuangan and knowledge in sustainable finance.
berkelanjutan.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 79
Page 80
Page 81
j u d u l
Page 82
Tata Kelola Keberlanjutan Komitmen Penerapan Tata Kelola Governance Implementation Commitment Tata Kelola Perusahaan yang Baik atau Good Corporate Good Corporate Governance (GCG) is the foundation for Governance (GCG) merupakan fondasi bagi operasional the business operations of Bank Artha Graha Internasional. usaha Bank Artha Graha Internasional. Keberadaannya Its existence is the primary concern of shareholders to menjadi perhatian utama pemegang saham menyamai match financial performance and business growth. With kinerja finansial dan pertumbuhan bisnis. Dengan such a central position, the implementation of GCG in the posisinya yang begitu sentral, maka penerapan GCG Company is absolute, not only fulfilling the provisions of di Perseroan merupakan hal yang mutlak, tak sekedar regulations that apply in Indonesia. memenuhi ketentuan regulasi yang berlaku di Indonesia. Sebagaimana harapan pemegang saham, sekaligus As expected by shareholders and referring to the merujuk pada visi dan misi perusahaan, Bank menerapkan Company’s vision and mission, the Bank implements GCG secara konsisten dan persisten. Melalui penerapan GCG consistently and persistently. Through such seperti itu, Perseroan akan mampu mewujudkan implementation, the Company will be able to realize a keseimbangan dalam pengendalian perusahaan, balance in corporate control while minimizing the risk sekaligus meminimalkan risiko terjadinya kesalahan dalam of errors occurring in the management of the Company. pengelolaan perusahaan. Penerapan GCG juga akan GCG implementation will also positively impact creating berdampak positif terhadap penciptaan nilai tambah optimal added value for the Company. yang optimal bagi Perseroan. Hal yang tak kalah penting, implementasi GCG sesuai Equally important, GCG implementation is by applicable dengan ketentuan dan perundangan-undangan yang laws and regulations. It refers to best practice standards berlaku, serta merujuk pada standar best practice from leading corporations, which will enable the Bank to dari korporasi-korporasi unggulan, akan membuat respond to challenges and demands from stakeholders Bank mampu menjawab tantangan dan tuntutan dari and shareholders. Armed with all that, the Company pemangku kepentingan (stakeholder) dan pemegang is optimistic that it will record the best performance saham (shareholder). Berbekal semua itu, Perseroan continuously. optimistis akan mencatatkan kinerja terbaik secara berkesinambungan. 82 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 83
Sustainable Governance
Prinsip Tata Kelola Perusahaan
Corporate Governance Principles
Bank berkomitmen menerapkan GCG di setiap jenjang The Bank is committed to implementing GCG at
organisasi dan kegiatan operasional. Komitmen itu diambil every level of organization and operational activities.
agar tujuan penerapan Perseroan yang telah ditetapkan This commitment is taken so that the Company’s
Perseroan dapat diwujudkan secara optimal. Dalam implementation goals set by the Company can be realized
menerapkan GCG, Bank mengacu pada 5 (lima) prinsip optimally. In implementing GCG, the Bank refers to 5
dasar yaitu transparansi, akuntabilitas, responsibilitas, (five) basic principles, namely transparency, accountability,
independensi, serta kewajaran dan kesetaraan. Uraian responsibility, independence, fairness, and equality. The
kelima prinsip disajikan dalam tabel berikut: description of the five principles is presented in the
following table:
Transparansi Akuntabilitas Responsibilitas
Transparency Accountability Responsibility
Bank mengungkapkan informasi terkait Bank memiliki kebijakan terkait tugas dan Bank memastikan bahwa seluruh organ
kinerja dan kegiatan pengelolaan tanggung jawab yang jelas dari setiap tata kelola telah mengimplementasikan
perusahaan secara tepat waktu, jelas, organ dan karyawan yang diselaraskan prinsip kehati-hatian dengan tunduk dan
akurat, dan dapat dipertanggungjawabkan, dengan Visi, Misi, Nilai-Nilai Perusahaan patuh pada ketentuan dan peraturan
serta mudah diakses oleh Pemangku (corporate values), dan strategi Bank. Guna perundang-undangan yang berlaku. Selain
Kepentingan sesuai dengan haknya. memastikan berjalannya prinsip ini, Bank itu, pemenuhan Bank ditunjukkan dengan
The Bank discloses information related to juga melaksanakan pengawasan internal kepedulian dalam melaksanakan tugas dan
the performance and management activities melalui sistem pengendalian internal yang tanggung jawab sosial terhadap masyarakat
of the company in a timely, transparent, efektif. dan kelestarian lingkungan terutama di
accurate, and accountable manner and is The Bank has policies regarding clear duties sekitar wilayah operasional.
easily accessible to Stakeholders by their and responsibilities of each organ and The Bank ensures that all governance
rights. employee, which are aligned with the Bank’s organs have implemented the precautionary
Vision, Mission, Corporate values, and principle by complying with and complying
strategy. To ensure the implementation of this with the applicable laws and regulations.
principle, the Bank also carries out internal In addition, the fulfillment of the Bank is
supervision through an effective internal shown by caring in carrying out social duties
control system. and responsibilities towards the community
and environmental sustainability, especially
around operational areas.
Independensi Kesetaraan dan Kewajaran
Independence Equality and Fairness
Bank menjamin bahwa setiap organ Bank senantiasa memberikan kesempatan yang sama bagi para
tata kelola memegang teguh prinsip Pemangku Kepentingan untuk dapat memberikan masukan dan
independensi dengan menghindari menyampaikan opini demi kemajuan Bank yang disesuaikan
terjadinya dominasi oleh pihak tertentu, juga dengan kapasitas masing-masing Pemangku Kepentingan.
tidak akan terpengaruh oleh kepentingan Selain itu, kesempatan yang sama juga diberikan Bank kepada
manapun, serta menghindari benturan setiap karyawan dalam proses rekrutmen dan pengembangan
kepentingan dan tekanan yang dapat karier yang dilakukan secara adil dan setara.
memengaruhi pengambilan keputusan agar The Bank always provides equal opportunities for stakeholders
dapat diambil secara obyektif. to provide input and express opinions for the progress of the
The Bank guarantees that each governance Bank, which is also adjusted to the capacity of each Stakeholder.
organ adheres to the principle of In addition, the Bank also offers equal opportunities for every
independence by avoiding domination by employee in the recruitment process and career development,
certain parties, will not be influenced by any which is carried out fairly and equally.
interests, and avoids conflicts of interest and
pressure that can affect decision-making so
that it can be taken objectively.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 83
Page 84
Tata Kelola Keberlanjutan
Struktur Tata Kelola Perusahaan [GRI 2-9]
Corporate Governance Structure [GRI 2-9]
Struktur tata kelola Bank merujuk pada Undang-Undang The governance structure of the Bank refers to the Law
Republik Indonesia No. 40 tahun 2007 tentang Perseroan of the Republic of Indonesia No. 40 of 2007 concerning
Terbatas (UU PT), Bab I mengenai Ketentuan Umum, pasal Limited Liability Companies (UU PT), Chapter I regarding
1, yang menyebutkan bahwa Organ Perusahaan terdiri General Provisions, article 1, which states that the
dari Rapat Umum Pemegang Saham (RUPS), Dewan Company’s organs consist of a General Meeting of
Komisaris, dan Direksi. Shareholders (GMS), the Board of Commissioners and the
Board of Directors.
Struktur Tata Kelola Perusahaan
Corporate Governance Structure
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Audit Komite Pemantau Komite Remunerasi dan
Risiko Nominasi
Audit Committee
Risk Monitoring Remuneration and Nomination
Committee Committee
Komite Komite Pengarah Komite
Komite Kredit Komite ALCO
Manajemen Risiko Teknologi Human Capital
Credit Committee ALCO Committee Human Capital
Risk Management Informasi Committee
Committee Information
Technology Steering
Committee
Infrastruktur:
Infrastructure: Organ Utama
Main Organ
Peraturan Perusahaan, Kode Etik, Kebijakan, dan Prosedur
Company Regulation, Code of Conduct, Policies, and Procedures Organ Pendukung
Supporting Organ
84 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 85
Sustainable Governance
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) adalah organ The General Meeting of Shareholders (GMS) is the highest
tertinggi dalam struktur Tata Kelola Perusahaan Bank Artha organ in Bank Artha Graha Internasional Corporate
Graha Internasional, yang memiliki hak dan kewenangan Governance structure, which has rights and authorities that
yang tidak dimiliki oleh Dewan Komisaris dan Direksi are not owned by the Board of Commissioners and Board
dalam batasan yang ditentukan oleh ketentuan peraturan of Directors within limits set by the provisions of laws and
perundang-undangan dan Anggaran Dasar Perseroan. regulations and the Company’s Articles of Association.
RUPS juga menjadi media komunikasi antara Pemegang The GMS is also a medium of communication between
Saham dengan Dewan Komisaris dan Direksi melalui the Shareholders and the Board of Commissioners
forum untuk menyampaikan laporan pertanggungjawaban and Board of Directors through a forum to submit an
atas pelaksanaan tugas serta hasil kinerja Bank kepada accountability report on implementing the Bank’s duties
Pemegang Saham. Informasi lengkap terkait tata cara and performance results to the Shareholders. Complete
penyelenggaraan, pelaksanaan dan hasil RUPS dapat information regarding the procedures for holding,
dilihat dalam Laporan Tahunan Perseroan Bab Tata Kelola implementing and results of the GMS can be seen in
Perusahaan. the Company’s Annual Report Chapter on Corporate
Governance.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 85
Page 86
Tata Kelola Keberlanjutan
Dewan Komisaris
Board of Commissioners
Dewan Komisaris adalah organ tata kelola Bank yang The Board of Commissioners is one of the Bank’s
memiliki fungsi melakukan pengawasan atas tindakan governance organs which supervises the management
pengurusan yang dilakukan oleh Direksi dan memberikan actions carried out by the Board of Directors. The
arahan kepada Direksi dalam pengelolaan Bank dan Board of Commissioners is also tasked with directing
penerapan GCG. Dalam menjalankan fungsi pengawasan the Board of Directors in managing the company and
Dewan Komisaris Bank Artha Graha Internasional dibantu implementing GCG. In its supervisory function, the Board
oleh Komite di bawahnya yaitu Komite Audit, Komite of Commissioners is assisted by Committees, namely the
Pemantau Risiko, serta Komite Remunerasi dan Nominasi. Audit Committee, the Risk Monitoring Committee, and
the Remuneration and Nomination Committee.
• Tugas dan Tanggung Jawab Dewan Komisaris • Duties and Responsibilities of the Board of
Commissioners
Berdasarkan Pedoman Dewan Komisaris, tugas dan Based on the Board of Commissioners Guidelines,
tanggung jawab Dewan Komisaris adalah sebagai the duties and responsibilities of the Board of
berikut: Commissioners are as follows:
1. Dewan Komisaris merupakan majelis dan setiap 1. The Board of Commissioners is an assembly and
anggota Dewan Komisaris tidak dapat bertindak each member of the Board of Commissioners
sendiri-sendiri, melainkan berdasarkan keputusan cannot act individually, but based on the decision
Dewan Komisaris; of the Board of Commissioners;
2. Anggota Dewan Komisaris wajib melaksanakan 2. Members of the Board of Commissioners must
tugas dan tanggung jawab dengan itikad baik, carry out their duties and responsibilities in good
penuh tanggung jawab, dan kehati-hatian; faith, full of responsibility and prudence;
3. Dewan Komisaris menyetujui kebijakan dan/atau 3. The Board of Commissioners approves the policies
pedoman mengenai tata tertib Direksi dan Laporan and/or guidelines regarding the Board of Directors’
Kebijakan Operasional yang telah disetujui Direksi; code of conduct and the Operational Policy Report
that has been approved by the Board of Directors;
4. Dewan Komisaris melakukan pengawasan dan 4. The Board of Commissioners supervises and is
bertanggung jawab atas pengawasan terhadap responsible for supervising the policies of the Board
kebijakan Direksi, jalannya pengurusan pada of Directors, the general management of both the
umumnya, baik mengenai Bank maupun usaha Bank and the Bank’s business and provides advice
Bank dan memberikan nasihat kepada Direksi; to the Board of Directors;
5. Dewan Komisaris wajib menyelenggarakan 5. The Board of Commissioners is obliged to hold
RUPS Tahunan dan RUPS lainnya sesuai dengan Annual GMS and other GMS in accordance with
kewenangannya sebagaimana diatur dalam their authority as stipulated in the Articles of
Anggaran Dasar dan Peraturan Perundang- Association and Legislation;
Undangan;
6. Dewan Komisaris wajib mengarahkan, memantau, 6. The Board of Commissioners must direct, monitor
dan mengevaluasi pelaksanaan kebijakan strategis and evaluate the implementation of the Bank’s
Bank; strategic policies;
7. Dewan Komisaris wajib memastikan terselenggaranya 7. The Board of Commissioners must ensure the
pelaksanaan Good Corporate Governance dalam implementation of Good Corporate Governance in
setiap kegiatan usaha Bank pada seluruh tingkatan every business activity of the Bank at all levels or
atau jenjang organisasi; levels of the organization;
86 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 87
Sustainable Governance
8. Dalam rangka mendukung efektivitas pelaksanaan 8. In order to support the effectiveness of carrying
tugas dan tanggung jawabnya dalam pengawasan out its duties and responsibilities in the supervision,
tersebut, Dewan Komisaris wajib membentuk the Board of Commissioners is required to form or
maupun menentukan susunan Komite Audit determine the composition of the Audit Committee
maupun komite lainnya sebagaimana ditentukan and other committees as determined by the
oleh peraturan perundang-undangan yang berlaku applicable laws and regulations and regulations
dan peraturan yang berlaku di bidang Pasar Modal, in force in the field of Capital Markets, and is
serta berkewajiban melakukan evaluasi terhadap obliged to evaluate the the performance of these
kinerja komite-komite tersebut setiap akhir tahun committees at the end of the Bank’s financial year;
buku Bank;
9. Dewan Komisaris wajib memastikan bahwa 9. The Board of Commissioners must ensure that the
Direksi telah menindaklanjuti temuan audit dan Board of Directors has followed up on audit findings
rekomendasi dari Satuan Kerja Audit Internal, and recommendations from the Internal Audit Work
auditor eksternal, hasil pengawasan OJK dan/atau Unit, external auditors, results of OJK supervision
hasil pengawasan otoritas lain; and/or results of supervision by other authorities;
10. Tugas Dewan Komisaris yang berkaitan dengan 10. The duties of the Board of Commissioners
penerapan Program Anti Pencucian Uang dan relating to the implementation of the Anti-Money
Pencegahan Pendanaan Terorisme (APU PPT) Laundering and Prevention of the Financing of
sekurang-kurangnya mencakup hal-hal sebagai Terrorism (AML CFT) Program at least include the
berikut: following:
a. Menyetujui Kebijakan Program APU PPT; dan a. Approve the AML CFT Program Policy; and
b. Mengawasi pelaksanaan Program APU PPT b. Supervise the implementation of the AML CFT
oleh Bank. Program by the Bank.
11. Dewan Komisaris berwenang memberhentikan 11. The Board of Commissioners has the authority to
sementara Anggota Direksi, apabila anggota suspend Members of the Board of Directors, if the
Direksi tersebut bertindak bertentangan dengan members of the Board of Directors act contrary to
Anggaran Dasar dan Peraturan Perundang- the Articles of Association and the applicable Laws
Undangan yang berlaku atau merugikan maksud or Regulations or are detrimental to the aims and
dan tujuan Bank atau melalaikan kewajibannya; objectives of the Bank or neglect their obligations;
dan and
12. Dalam melakukan pengawasan, Dewan Komisaris 12. In carrying out supervision, the Board of
dilarang terlibat dalam pengambilan keputusan Commissioners is prohibited from being involved
kegiatan operasional Bank, kecuali: in making decisions on Bank operational activities,
except:
a. Penyediaan dana kepada pihak terkait a. Provision of funds to related parties as stipulated
sebagaimana diatur dalam ketentuan Bank in Bank Indonesia regulations regarding the
Indonesia tentang Batas Maksimum Pemberian Legal Lending Limit for Commercial Banks; and
Kredit Bank Umum; dan
b. Hal-hal lain yang ditetapkan dalam Anggaran b. Other matters stipulated in the Articles of
Dasar Bank atau peraturan perundang- Association of the Bank or the applicable laws
undangan yang berlaku. and regulations.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 87
Page 88
Tata Kelola Keberlanjutan
• Jumlah, Komposisi, dan Susunan Dewan Komisaris • Total, Composition and Structure of the Board of
Tahun 2022 Commissioners for 2022
Per 31 Desember 2022, jumlah, komposisi dan susunan As of December 31, 2022, the number, composition,
keanggotaan Dewan Komisaris tidak mengalami and composition of the membership of the Board
perubahan dengan pengangkatan kembali Elizawatie of Commissioners have remained the same with the
Simon sebagai Komisaris Independen. Dari kelima reappointment of Elizawatie Simon as Independent
anggota Dewan Komisaris, tiga di antaranya adalah Commissioner. Of the five members of the Board of
Komisaris Independen (60%). Dengan demikian, Commissioners, three are Independent Commissioners
susunan dan komposisi tersebut telah memenuhi (60%). Thus, the composition and structure complies
ketentuan Peraturan OJK No. 33/POJK.04/2014 with the provisions of OJK Regulation No. 33/
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 concerning the Board of Directors,
Perusahaan Publik, yaitu jumlah Komisaris Independen and Board of Commissioners of Issuers or Public
wajib paling kurang 30% dari jumlah seluruh anggota Companies, namely the number of Independent
Dewan Komisaris. Susunan dan komposisi Dewan Commissioners must be at least 30% of the total
Komisaris per 31 Desember 2022 adalah sebagai number of members of the Board of Commissioners.
berikut: The composition of the Board of Commissioners as of
December 31, 2022 is as follows:
Tabel Jumlah, Komposisi dan Susunan Dewan Komisaris Table of Total, Composition and Structure of the Board of
per 31 Desember 2022 [GRI 2-9] Commissioners as of December 31, 2022 [GRI 2-9]
Masa
Nama Jabatan Dasar Pengangkatan Jabatan
Name Position Basis of Appointment Term of
Office
1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005;
Komisaris Utama/
2. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
Komisaris
3. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017; dan
Independen
4. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Kiki Syahnakri President 2020-2023
1. Deed of Statement of Meeting Resolutions No. 26 dated June 12, 2005;
Commissioner/
2. Deed of Statement of Meeting Resolutions No. 8 dated June 3, 2014;
Independent
3. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017; and
Commissioner
4. Deed of Statement of Meeting Resolutions No. 7 dated of October 5, 2020
1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005;
2. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
Wakil Komisaris 3. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017; dan
Utama 4. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Tomy Winata 2020-2023
Vice President 1. Deed of Statement of Meeting Resolutions No. 26 dated June 12, 2005;
Commissioner 2. Deed of Statement of Meeting Resolutions No. 8 dated June 3, 2014;
3. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017; and
4. Deed of Statement of Meeting Resolutions No. 7 dated of October 5, 2020
1. Akta Pernyataan Keputusan Rapat No. 26 tanggal 12 Juni 2005;
2. Akta Pernyataan Keputusan Rapat No. 8 tanggal 3 Juni 2014;
Wakil Komisaris 3. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017; dan
Utama 4. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Sugianto Kusuma 2020-2023
Vice President 1. Deed of Statement of Meeting Resolutions No. 26 dated June 12, 2005;
Commissioner 2. Deed of Statement of Meeting Resolutions No. 8 dated June 3, 2014;
3. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017; and
4. Deed of Statement of Meeting Resolutions No. 7 dated of October 5, 2020
Komisaris 1. Akta Pernyataan Keputusan Rapat No. 9 tanggal 17 Juli 2018; dan
Nicolaus Eko Independen 2. Akta Pernyataan Keputusan Rapat No. 177 tanggal 23 Agustus 2021
2021-2024
Riwayanto Independent 1. Deed of Statement of Meeting Resolutions No. 9 dated July 17, 2018; and
Commissioner 2. Deed of Statement of Meeting Resolutions No. 177 dated August 23, 2021
1. Akta Pernyataan Keputusan Rapat No. 9 tanggal 17 Juli 2018;
Komisaris 2. Akta Pernyataan Keputusan Rapat No. 9 tanggal 4 Juli 2019; dan
Independen 3. Akta Pernyataan Keputusan Rapat No. 253 tanggal 25 Juli 2022
Elizawatie Simon 2022–2025
Independent 1. Deed of Statement of Meeting Resolutions No. 9 dated July 17, 2018;
Commissioner 2. Deed of Statement of Meeting Resolutions No. 9 dated July 4, 2019; and
3. Deed of Statement of Meeting Resolutions No. 253 dated July 25, 2022
88 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 89
Sustainable Governance
Direksi
Board of Directors
Direksi adalah organ Perseroan yang bertugas dan The Board of Directors is an organ of the Company that
bertanggung jawab secara kolektif untuk melakukan is collectively responsible for managing the Bank and
pengelolaan Bank serta melaksanakan GCG pada seluruh implementing GCG at all levels of the organization. The
tingkatan atau jenjang organisasi. Direksi bertanggung Board of Directors is fully responsible for the objectives and
jawab penuh atas pengurusan Bank untuk kepentingan dan purposes of the Bank in accordance with the provisions of
tujuan Bank sesuai dengan ketentuan Anggaran Dasar. the Articles of Association.
• Tugas dan Tanggung Jawab Direksi • Duties and Responsibilities of the Board of Directors
Sesuai dengan ketentuan dalam Pedoman dan Tata By the provisions in the Board of Directors Work
Tertib Kerja Direksi, Direksi mengemban tugas dan Guidelines and Rules, the Board of Directors has the
tanggung jawab sebagai berikut: following duties and responsibilities:
1. Bertanggung jawab untuk melaksanakan 1. Responsible for carrying out management for the
kepengurusan untuk kepentingan Bank sesuai benefit of the Bank by the primary duties of the
dengan tugas pokok Direksi yaitu: Board of Directors, namely:
a. Memimpin dan mengurus sesuai dengan tujuan a. Lead and manage by the objectives of the
Bank; dan Bank; and
b. Menguasai, memelihara, dan mengurus b. Mastering, maintaining, and managing the
kekayaan Bank. assets of the Bank.
2. Setiap anggota Direksi wajib dengan itikad baik 2. Each member of the Board of Directors shall in good
dan penuh tanggung jawab menjalankan tugasnya faith and with full responsibility perform his/ her
dengan mengindahkan peraturan perundang- duties with due observance of the prevailing laws and
undangan yang berlaku; regulations;
3. Pembagian tugas dan wewenang di antara para 3. The division of duties and authorities among the
anggota Direksi ditetapkan oleh RUPS dan dalam members of the BOD shall be determined by the GMS
hal RUPS tidak menetapkan, pembagian tugas, and in the event that the GMS does not stipulate, the
dan wewenang anggota Direksi ditetapkan division of duties, and authorities of the members of
berdasarkan keputusan Direksi; the BOD shall be determined by resolution of the
BOD;
4. Direksi bertanggung jawab penuh dalam 4. The Board of Directors is fully responsible for carrying
melaksanakan tugasnya yang ditujukan untuk out its duties which are intended for the interests of
kepentingan Bank dalam mencapai maksud dan the Bank in achieving its goals and objectives;
tujuannya;
5. Direksi berhak mewakili Bank di dalam dan di luar 5. The Board of Directors shall have the right to represent
pengadilan tentang segala hal dan dalam segala the Bank in and out of court on all matters and in all
kejadian; events;
6. Bertanggung jawab untuk merumuskan 6. Responsible for formulating the achievement of
ketercapaian visi, misi, serta strategi jangka the Bank’s vision, mission, and short, medium and
pendek, menengah dan jangka panjang Bank long term strategies through work coordination and
melalui koordinasi kerja serta pemantauan kinerja monitoring the performance and achievements of
dan prestasi setiap unit kerja; each work unit;
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 89
Page 90
Tata Kelola Keberlanjutan
7. Bertanggung jawab merumuskan arah kebijakan 7. Responsible for formulating policy direction and
dan sasaran bidang kepatuhan dan manajemen objectives in the field of compliance and risk
risiko Bank dalam memenuhi seluruh peraturan management of the Bank in fulfilling all regulations of
Otoritas Jasa Keuangan dan peraturan perundang- the Financial Services Authority and other applicable
undangan lain yang berlaku dalam rangka prinsip laws and regulations in the framework of prudential
kehati-hatian; principles;
8. Dalam rangka mendukung efektivitas pelaksanaan 8. In order to support the effectiveness of the
tugas dan tanggung jawab Direksi, Direksi dapat implementation of the duties and responsibilities of
membentuk komite dan melakukan evaluasi the Board of Directors, the Board of Directors may
terhadap kinerja komite setiap akhir tahun buku; establish committees and evaluate the performance
of the committees at the end of each fiscal year;
9. Wajib menindaklanjuti temuan audit dan 9. Must follow up audit findings and recommendations
rekomendasi dari Satuan Kerja Audit Intern (SKAI), from the Internal Audit Unit (IAU), external auditors,
auditor eksternal, hasil pengawasan Otoritas Jasa supervisory results of the Financial Services Authority
Keuangan atau hasil pengawasan otoritas lain; dan or supervisory results of other authorities; and
10. Wajib mempertanggungjawabkan pelaksanaan 10. Shall be accountable for the implementation of its
tugasnya kepada Pemegang Saham melalui RUPS. duties to the Shareholders through the GMS.
• Jumlah, Komposisi, dan Susunan Direksi Tahun 2022 • Total, Composition, and Structure of the Board of
[GRI 2-9] Directors in 2022 [GRI 2-9]
Per 31 Desember 2022, jumlah, komposisi dan susunan As of December 31, 2022, the total, composition,
keanggotaan Direksi mengalami perubahan dari tahun and composition of the membership of the Board of
sebelumnya, yaitu enam orang dengan salah satunya Directors have changed from the previous year, namely
sebagai Direktur Utama. Dengan demikian, susunan dan six person, with one of them as the President Director.
komposisi tersebut telah memenuhi ketentuan Peraturan Thus, the composition and structure comply with the
OJK No. 33/POJK.04/2014 tentang Direksi dan Dewan provisions of OJK Regulation No. 33/POJK.04/2014
Komisaris Emiten atau Perusahaan Publik, yaitu jumlah concerning Directors and Board of Commissioners of
Direksi paling kurang terdiri dari 2 (dua) orang anggota Issuers or Public Companies, namely the number of
Direksi, 1 (satu) di antara anggota Direksi diangkat Directors consists of at least 2 (two) members of the
menjadi Direktur Utama atau Presiden Direktur. Susunan Board of Directors, 1 (one) of the members of the Board
dan komposisi Direksi per 31 Desember 2022 adalah of Directors is appointed as President Director. The
sebagai berikut: composition of the Board of Directors as of December
31, 2022, is as follows:
Tabel Jumlah, Komposisi dan Susunan Direksi Table of Total, Composition and Structure of the Board of
per 31 Desember 2022 Directors as of December 31, 2022
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
1. Akta Pernyataan Keputusan Rapat No. 95 tanggal 30 Juni 2008;
2. Akta Pernyataan Keputusan Rapat No. 5 tanggal 4 Juli 2014;
Direktur 3. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017; dan
Utama 4. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Andy Kasih 2020-2023
President 1. Deed of Statement of Meeting Resolutions No. 95 dated June 30, 2008;
Director 2. Deed of Statement of Meeting Resolutions No. 5 dated July 4, 2014;
3. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017; and
4. Deed of Statement of Meeting Resolutions No. 7 dated October 5, 2020
90 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 91
Sustainable Governance
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Wakil Direktur 1. Akta Pernyataan Keputusan Rapat No. 09 tanggal 17 Juli 2018; dan
Christina Utama 2. Akta Pernyataan Keputusan Rapat No. 177 tanggal 23 Agustus 2021
2021-2024
Harapan Vice President 1. Deed of Statement of Meeting Resolutions No. 09 dated July 17, 2018; and
Director 2. Deed of Statement of Meeting Resolutions No. 177 dated August 23, 2021
1. Akta Pernyataan Keputusan Rapat No. 225 tanggal 28 November 2014;
Direktur 2. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017;
Kepatuhan/ 3. Akta Pernyataan Keputusan Rapat No. 09 tanggal 17 Juli 2018;
Direktur 4. Akta Pernyataan Keputusan Rapat No. 09 tanggal 4 Juli 2019; dan
Independen 5. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Anas Latief 2020-2023
Compliance 1. Deed of Statement of Meeting Resolutions No. 225 dated November 28, 2014;
Director/ 2. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017;
Independent 3. Deed of Statement of Meeting Resolutions No. 09 dated July 17, 2018;
Director 4. Deed of Statement of Meeting Resolutions No. 09 dated July 4, 2019; and
5. Deed of Statement of Meeting Resolutions No. 7 dated October 5, 2020
1. Akta Pernyataan Keputusan Rapat No. 225 tanggal 28 November 2014;
2. Akta Pernyataan Keputusan Rapat No. 20 tanggal 16 Juni 2017; dan
Direktur 3. Akta Pernyataan Keputusan Rapat No. 7 tanggal 5 Oktober 2020
Indra S. Budianto 2020-2023
Director 1. Deed of Statement of Meeting Resolutions No. 225 dated November 28, 2014;
2. Deed of Statement of Meeting Resolutions No. 20 dated June 16, 2017; and
3. Deed of Statement of Meeting Resolutions No. 7 dated October 5, 2020
1. Akta Pernyataan Keputusan Rapat No. 09 tanggal 17 Juli 2018; dan
Indrastomo Direktur 2. Akta Pernyataan Keputusan Rapat No. 177 tanggal 23 Agustus 2021
2021 - 2024
Nugroho Director 1. Deed of Statement of Meeting Resolutions No. 9 dated July 17, 2018; and
2. Deed of Statement of Meeting Resolutions No. 177 dated August 23, 2021
Direktur • Akta Pernyataan Keputusan Rapat No. 177 tanggal 23 Agustus 2021.
Andy Dharma 2021 - 2024
Director • Deed of Statement of Meeting Resolutions No. 177 dated August 23, 2021
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 91
Page 92
Tata Kelola Keberlanjutan
Penanggung Jawab Pelaksanaan Keuangan
Berkelanjutan [GRI 2-13] [OJK E.1]
Responsible for Implementation of Sustainable Finance
[GRI 2-13] [OJK E.1]
Sejalan dengan penerapan keuangan berkelanjutan dan In line with the implementation of sustainable finance
untuk memastikan pelaksanaan strategi serta program and to ensure the performance of the strategies and
keberlanjutan yang tertuang dalam Rencana Aksi sustainability programs contained in the Sustainable
Keuangan Berkelanjutan (RAKB), maka Bank menetapkan Finance Action Plan (RAKB), the Bank has established the
Direktorat Risk Management sebagai penanggung jawab Directorate of Risk Management as the person in charge
pelaksana keuangan berkelanjutan. Direktorat ini bertugas of implementing sustainable finance. This directorate is
melaksanakan supervisi terhadap pelaksanaan seluruh tasked with supervising all sustainable finance programs
program keuangan berkelanjutan dan menugaskan and assigning program implementation to other involved
pelaksanaan program kepada direktorat-direktorat lain directorates.
yang terlibat.
Tugas dan wewenang Direktorat Risk Management The duties and authorities of the Directorate of Risk
adalah: Management are:
• Mengarahkan seluruh aspek penyelenggaraan • Directing all aspects of implementing the sustainable
program keuangan berkelanjutan agar sesuai dengan finance program to align with the targets to be
target yang akan dicapai. achieved.
• Menetapkan strategi dan implementasi program • Establish strategy and implementation of corporate
komunikasi korporat untuk berbagai program communication programs for various sustainable
keuangan berkelanjutan agar reputasi Bank terjaga finance programs to maintain the Bank’s reputation.
dengan baik.
• Mengoordinasi, memonitor, dan mengevaluasi • Coordinate, monitor, and evaluate all aspects of
seluruh aspek penyelenggaraan program keuangan implementing a sustainable finance program.
berkelanjutan.
Pola Kerja Task Force Keuangan Berkelanjutan
The Sustainable Finance Task Force Work Pattern
Monitoring, Evaluasi,
Perencanaan Pelaksanaan Pelaporan
Planning Implementation Monitoring, Evaluation,
Reporting
• Koordinasi (internal Bank dan pihak eksternal), • Coordination (bank internal and external parties),
internalisasi, problem solving, integrasi (program internalization, problem-solving, and integration (work
kerja, anggaran, dan HC). programs, budgets, and HC).
• Satuan kerja (task force) yang menjalankan fungsi • Work unit (task force) that carries out the secretariat/
sekretariat/koordinator/core Sustainable Finance. coordinator/core function of Sustainable Finance.
92 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 93
Sustainable Governance
Pengembangan Kompetensi Terkait Kegiatan
Berkelanjutan [GRI 2-17] [OJK E.2]
Competency Development Related to Sustainable Activities
[GRI 2-17] [OJK E.2]
Selama tahun 2022, Dewan Komisaris, Direksi, serta During 2022, the Board of Commissioners, Directors, and
Direktorat Risk Management sebagai penanggung jawab the Directorate of Risk Management, as those responsible
penerapan keuangan keberlanjutan telah mengikuti for implementing sustainable finance, have participated in
pengembangan kompetensi terkait keuangan/kegiatan competency development related to sustainable finance/
berkelanjutan sebagaimana tabel berikut: activities as shown in the following table:
Tabel Pengembangan Kompetensi Terkait Keberlanjutan Table of Competency Development Related to the Sustainability
Dewan Komisaris, Direksi dan Direktorat Risk Management of the Board of Commissioners, Directors, and Directorate of
Tahun 2022 Risk Management in 2022
Nama dan Jenis Pendidikan dan Materi Pendidikan dan
Jabatan Pelatihan Pelatihan Tanggal Penyelenggara
Name and Types of Education and Education and Training Date Organizer
Position Training Materials
Dewan Komisaris
Board of Commissioners
Menghindari Dan Mengantisipasi
Trend Kejahatan Siber Perbankan
Refreshment Manajemen
di Era Digital yang Semakin Marak 27 Januari 2022 IBI - BCC
Risiko
Avoiding and Anticipating Banking January 27, 2022 IBI - BCC
Risk Management Refreshment
Cyber Crime Trends in the Increasingly
Rising Digital Era
Economic Recovery in Asean + 3:
Pelatihan Eksternal New Drives of Growth Optimist 13 Mei 2022 Perbanas
External Training Economic Recovery in Asean + 3: May 13, 2022 Perbanas
New Drives of Growth Optimist
Nicolaus Eko Bank Digitalization: Lessons Learned
Riwayanto Pelatihan Eksternal from Asian Countries 19 Mei 2022 Jakarta Webinar
External Training Bank Digitalization: Lessons Learned May 19, 2022 Jakarta Webinar
from Asian Countries
Preventing & Combating Financial Otoritas Jasa Keuangan
Webinar Crime in Financial Service Industry 9 Juni 2022 (OJK)
Webinar Preventing & Combating Financial June 9, 2022 Financial Services Authority
Crime in Financial Service Industry (OJK)
Perlindungan Konsumen di Era Otoritas Jasa Keuangan
Webinar Digital 6 Oktober 2022 (OJK)
Webinar Consumer Protection in the Digital October 6, 2022 Financial Services Authority
Era (OJK)
Transformasi Digital Perbankan
Penguatan Arah bisnis dan
Penyelenggaraan Transformasi Digital
yang Ideal Serta Berbasis Manajemen
Refreshment Manajemen
Risiko 20 April 2022 Risiko Manajemen Gagasan
Risiko
Banking Digital Transformation April 20, 2022 (RMG)
Risk Management Refreshment
Strengthening business direction
Elizawatie Simon and implementing ideal digital
transformation based on risk
management
Workshop PKPU dan Kepalilitan
Lembaga Pengembangan
dalam Perspektif Kreditur Perbankan
Pelatihan Eksternal 20 Juli 2022 Perbankan Indonesia (LPPI)
Workshop on PKPU and Bankruptcy
External Training July 20, 2022 Lembaga Pengembangan
in the Perspective of Banking
Perbankan Indonesia (LPPI)
Creditors
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 93
Page 94
Tata Kelola Keberlanjutan
Nama dan Jenis Pendidikan dan Materi Pendidikan dan
Jabatan Pelatihan Pelatihan Tanggal Penyelenggara
Name and Types of Education and Education and Training Date Organizer
Position Training Materials
Prospek Hak Kekayaan Intelektual Otoritas Jasa Keuangan
Webinar (HKI) sebagai Jaminan Utang 1 September 2022 (OJK)
Webinar Prospects for Hak Kekayaan September 1, 2022 Financial Services Authority
Intelektual (HKI) as Debt Guarantees (OJK)
Direksi
Board of Directors
Menghindari dan Mengantisipasi
Trend Kejahatan Siber Perbankan
Refreshment Manajemen
di Era Digital yang Semakin Marak 27 Januari 2022 IBI - BCC
Andy Dharma Risiko
Avoiding and Anticipating Banking January 27, 2022 IBI - BCC
Risk Management Refreshment
Cyber Crime Trends in the Increasingly
Rising Digital Era
Transformasi Digital Perbankan
Penguatan Arah bisnis dan
Penyelenggaraan Transformasi
Digital yang Ideal serta Berbasis
Manajemen Risiko (Refreshment
Refreshment Manajemen
Manajemen Risiko) 20 April 2022 Risiko Manajemen Gagasan
Indrastomo Nugroho Risiko
Banking Digital Transformation April 20, 2022 (RMG)
Risk Management Refreshment
Strengthening Business Direction
and Implementation of Ideal Digital
Transformation Based on Risk
Management (Risk Management
Refreshment)
Business Continuity Management
(BCM): Business Impact Analysis
(BIA), Risk Assessment (RA),
Threat Assessment (TA), Business
Continuity (BC) Plan and Strategy,
Business Recovery Center (BRC),
Disaster Recovery Center (DRC), and
Crisis Command Center (termasuk KeyPro Learning
Pelatihan Eksternal Kertas Kerja Implementasi) 17-18 Oktober 2022 Management
Anas Latief
External Training Business Continuity Management October 17-18, 2022 KeyPro Learning
(BCM) : Business Impact Analysis Management
(BIA), Risk Assessment (RA),
Threat Assessment (TA), Business
Continuity (BC) Plan and Strategy,
Business Recovery Center (BRC),
Disaster Recovery Center (DRC), and
Crisis Command Center (including
Implementation Working Paper)
94 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 95
Sustainable Governance
Manajemen Risiko [GRI 2-23] [OJK E.3] [FN-CB-550A.2]
Risk Management [GRI 2-23] [OJK E.3] [FN-CB-550A.2]
Bank menyadari dalam menjalankan kegiatan usaha The Bank realizes that in carrying out business activities,
akan menghadapi berbagai risiko yang berpotensi it will face various risks that have the potential to hinder
menghambat pencapaian target dan kinerja yang telah the achievement of targets and performance set by
ditetapkan Perseroan. Risiko tersebut semakin besar the Company. This risk is even more remarkable when
pada saat kondisi perekonomian dan sosial di Indonesia Indonesia’s economic and social conditions have not fully
belum sepenuhnya pulih dari pandemi COVID-19. recovered from the COVID-19 pandemic. To prevent
Untuk mencegah dan meminimalkan dampak atas risiko and minimize the impact of risks that may occur, the
yang mungkin terjadi, Perseroan berkomitmen untuk Company is committed to implementing an integrated
menerapkan sistem manajemen risiko yang terpadu dan and comprehensive risk management system throughout
komprehensif di seluruh proses bisnis dan pengelolaan the business processes and management of the Bank. The
Bank. Struktur pengelola manajemen risiko bank tahun structure for managing bank risk management in 2022 is
2022 adalah sebagai berikut: as follows:
Struktur Pengelola Manajemen Risiko Tahun 2022
Structure of Risk Management Manager in 2022
Director Risk Management & Compliance
Deputy Director Risk Management
Executive Officer Credit Risk Executive Officer Credit Risk Executive Officer
Review & Compliance 1 Review & Compliance 2 Risk & Policy
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 95
Page 96
Tata Kelola Keberlanjutan
Sistem manajemen risiko Bank meliputi penetapan The Bank’s risk management system includes context
konteks, identifikasi risiko, analisis risiko, pengendalian determination, risk identification, risk analysis, risk control,
risiko serta evaluasi risiko. Kerangka manajemen risiko and risk evaluation. This risk management framework is
ini dituangkan dalam kebijakan, prosedur, kewenangan outlined in policies, procedures, authorities, and other
dan ketentuan lain serta berbagai perangkat manajemen provisions, as well as various risk management tools that
risiko yang berlaku di seluruh lingkup aktivitas usaha. apply throughout the scope of business activities.
• Proses Manajemen Risiko • Risk Management Process
Penerapan manajemen risiko Bank dilakukan terhadap The Bank’s risk management is applied to 8 (eight)
8 (delapan) jenis risiko yaitu Risiko Kredit, Risiko types of Risk, namely Credit Risk, Operational Risk,
Operasional, Risiko Pasar, Risiko Likuiditas, Risiko Market Risk, Liquidity Risk, Legal Risk, Reputation Risk,
Hukum, Risiko Reputasi, Risiko Stratejik dan Risiko Strategic Risk, and Compliance Risk. The application of
Kepatuhan. Penerapan manajemen risiko tersebut risk management includes carrying out the Process of
antara lain dengan menjalankan Proses Identifikasi, Identification, Measurement, Monitoring, Risk Control,
Pengukuran, Pemantauan, Pengendalian Risiko, dan and Risk Management Information Systems.
Sistem Informasi Manajemen Risiko.
1. Identifikasi Risiko 1. Risk Identification
Proses identifikasi risiko dilakukan oleh Bank The Bank carries out the risk identification process
dengan menganalisis telaah serta seluruh sumber by analyzing studies and all risk sources that
risiko yang sekurang-kurangnya dilakukan are carried out on risks from Bank products and
terhadap risiko dari produk dan aktivitas Bank serta activities and ensuring that risks from new products
memastikan bahwa risiko dari produk dan aktivitas and activities have gone through an appropriate
baru telah melalui proses manajemen risiko yang risk management process before being introduced
layak sebelum diperkenalkan atau dijalankan. and implemented. The risk identification process
Pelaksanaan proses identifikasi risiko antara lain is implemented through studies, reviews, and
dilakukan melalui kajian, telaah serta rekomendasi recommendations submitted to business and
yang disampaikan kepada unit bisnis maupun unit related work units.
kerja terkait lainnya.
Rencana Bisnis Bank tahun 2023 lebih meningkatkan The Bank’s Business Plan for 2023 further increases
transaksi ke arah Perbankan Digital dengan transactions towards Digital Banking by developing
pengembangan layanan digital banking, sehingga digital banking services so that as we advance, it is
ke depan ditargetkan produk bank akan dominan targeted that bank products will be predominantly
berbasis Teknologi Informasi dan lebih kompleks. Information Technology based and more complex.
Sehubungan dengan hal tersebut, Bank telah The Bank has carried out a more in-depth and
melakukan proses identifikasi risiko operasional comprehensive process of identifying operational
(khususnya Teknologi Informasi/System Risk) yang risks (particularly Information Technology/System
melekat pada produk digital atau aktivitas baru Risk) attached to digital products or new activities.
tersebut secara lebih mendalam dan komprehensif. The Bank will gradually begin to improve its
Bank secara bertahap akan mulai meningkatkan quantitative risk analysis capabilities.
kapabilitas analisa kuantitatif risiko.
2. Pengukuran Risiko 2. Risk Measurement
Bank secara berkelanjutan mengembangkan The Bank continuously develops risk measurement
alat ukur risiko seperti untuk risiko kredit berupa tools such as for credit risk in the form of scoring
perhitungan skoring dalam analisa pemberian calculations in lending analysis, credit portfolio
kredit, analisa portofolio kredit, stress testing analysis, stress testing for: credit risk, market risk,
untuk: risiko kredit, risiko pasar dan risiko likuiditas and liquidity risk with various scenarios, and Loss
dengan berbagai skenario dan Loss Event Database Event Database (LED) for operational risks that
(LED) untuk risiko operasional yang digunakan used as one of the supports for making business
sebagai salah satu pendukung untuk membuat decisions.
keputusan bisnis.
96 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 97
Sustainable Governance
3. Pemantauan Risiko 3. Risk Monitoring
Pelaksanaan pemantauan risiko dilakukan The implementation of risk monitoring includes:
antara lain: proaktif dalam pembahasan dan being proactive in discussing and developing
pengembangan aktivitas usaha, operasional, business activities, operations, and products of the
dan produk Bank termasuk penyampaian hasil Bank, including submitting the results of the review
review dan mitigasinya dan penyampaian laporan and mitigation and submitting risk management
manajemen risiko terkait Profil Risiko, KPMM reports related to Risk Profiles, KPMM according
sesuai Profil Risiko, Risiko IT, Stress Testing, Risiko to Risk Profiles, IT Risks, Stress Testing, Credit
Portofolio Kredit, dan laporan lainnya. Guna Portfolio Risks, and other news. Adequate system
mendukung pemantauan risiko Bank yang lebih support is required.
efektif maka diperlukan dukungan sistem yang
memadai.
4. Pengendalian Risiko 4. Risk Control
Pengendalian eksposur risiko dilakukan oleh All work units carry out risk exposure control in
seluruh unit kerja yang ada di Bank dalam rangka the Bank to mitigate potential losses. Bank risk
memitigasi potensi kerugian yang dapat terjadi. control includes the application of dual control
Pengendalian risiko Bank antara lain: penerapan and/or four eyes principle to all business activities
dual control dan/atau four eyes principle terhadap and operations of the Bank by implementing a
seluruh aktivitas usaha dan operasional Bank checklist of the Attached Supervision List (DPM)
dengan pelaksanaan berupa checklist Daftar and segregation of duties, determination of
Pengawasan Melekat (DPM) dan pemisahan limits on authority to decide on credit (BWMK),
fungsi (segregation duty), Penetapan Batas implementation of credit restructuring/relaxation
Wewenang Memutus Kredit (BWMK), pelaksanaan by regulations, The establishment of loan CKPN
restrukturisasi/relaksasi kredit yang sesuai regulasi, and write-offs for non-performing loans. In
pembentukan CKPN Kredit serta write off untuk addition, the Bank also mitigates risks associated
kredit yang bermasalah. Selain itu, Bank juga with the latest digital banking services.
melakukan mitigasi risiko yang terkait dengan
layanan perbankan digital terbaru.
5. Sistem Informasi Manajemen Risiko 5. Risk Management Information System
Bank perlu mengembangkan sistem informasi Banks need to develop a risk management
manajemen risiko sehingga informasi yang information system so that the information obtained
diperoleh relevan dan dapat memastikan eksposur is relevant and can ensure that risk exposures are
risiko terukur secara akurat, informatif, dan tepat measured accurately, informatively, and promptly,
waktu, baik eksposur risiko secara keseluruhan both overall risk exposures and exposures per type
maupun eksposur per jenis risiko yang melekat of Risk inherent in the Bank’s business activities.
pada kegiatan usaha Bank.
Ke depannya, Bank akan mulai memperhatikan risiko As we advance, the Bank will start paying attention to
perubahan iklim seperti risiko fisik dan risiko transisi. climate change risks, such as physical and transition risks.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 97
Page 98
Tata Kelola Keberlanjutan
Tabel Penilaian Profil Risiko per Posisi 31 Desember 2022 Table of Risk Profile Rating per Position December 31, 2022
Peringkat Kualitas
Profil Risiko Peringkat Risiko Inheren Manajemen Risiko Peringkat Tingkat Risiko
Risk Profile Inherent Risk Rating Risk Management Risk Level Rating
Quality Rating
Risiko Kredit Low to Moderate Fair
PK - 2
Credit Risk Low to Moderate Fair
Risiko Pasar Low to Moderate Satisfactory
PK - 2
Market Risk Low to Moderate Satisfactory
Risiko Likuiditas Moderate Satisfactory
PK - 2
Liquidity Risk Moderate Satisfactory
Risiko Operasional Low to Moderate Fair
PK - 2
Operational Risk Low to Moderate Fair
Risiko Kepatuhan Low to Moderate Fair
PK - 2
Compliance Risk Low to Moderate Fair
Risiko Hukum Moderate Satisfactory
PK - 2
Legal Risk Moderate Satisfactory
Risiko Stratejik Moderate to High Satisfactory
PK - 3
Strategic Risk Moderate to High Satisfactory
Risiko Reputasi Low to Moderate Satisfactory
PK - 2
Reputation Risk Low to Moderate Satisfactory
Peringkat Komposit Low to Moderate Satisfactory
PK - 2
Composite Rating Low to Moderate Satisfactory
Sesuai dengan pemetaan dan mitigasi risiko yang telah By the risk mapping and mitigation that has been
ditetapkan Perseroan, selama tahun 2022, Bank telah determined by the Company, during 2022, the Bank has
melakukan aktivitas manajemen risiko sebagai berikut: carried out risk management activities as follows:
1. Penilaian Profil Risiko dan evaluasi perkembangannya; 1. Risk Profile Assessment and evaluation of its progress;
2. Pengukuran KPMM sesuai profil Risiko; 2. KPMM measurement according to the Risk Profile;
3. Pengukuran Risiko Teknologi Informasi; 3. IT Risk Measurement;
4. Pengukuran Risiko Portofolio Kredit Bank; 4. Measurement of the Bank’s credit portfolio risk;
5. Pengukuran stress testing risiko kredit, risiko pasar 5. Measurement of stress testing credit risk, market risk
(risiko nilai tukar dan risiko suku bunga) dan risiko (exchange rate risk and interest rate risk), and liquidity
likuiditas dengan skenario sesuai peraturan OJK dan/ risk with scenarios according to OJK regulations and/
atau best practice, termasuk penyampaian mitigasinya; or best practices, including delivery of mitigation;
6. Pemantauan perkembangan NPL, CKPN, Write off, 6. Monitoring the development of NPL, CKPN, Write
dan AYDA; Off, and Foreclosed Collateral;
7. Pemantauan pelaksanaan Mark to Market (MtM) atas 7. Monitoring the implementation of Mark to Market
Surat Berharga yang dimiliki Bank termasuk Transaksi (MtM) for Securities owned by the Bank, including
Money Market, Transaksi Forex, Posisi Devisa Neto Money Market Transactions, Forex Transactions, Net
(PDN) dan eksposur Surat Berharga; Open Position (NOP), and Securities exposure;
8. Pemantauan pemenuhan Giro Wajib Minimum 8. Monitoring the fulfillment of the Minimum Statutory
(GWM), Penyangga Likuiditas Makroprudensial (PLM), Reserves (GWM), Macroprudential Liquidity Buffer
Rasio Intermediasi Makroprudensial (RIM) termasuk (PLM), and Macroprudential Intermediation Ratio
perkembangan Dana Pihak Ketiga (DPK) dan Aset (RIM), including the development of Third Party Funds
Likuid Bank; (DPK) and Bank Liquid Assets;
9. Risiko Operasional di Cabang/Capem di mitigasi 9. Operational risk at branches/sub-district offices is
sampai dengan zero dan memantau kasus Fraud di mitigated to zero and monitors fraud cases at other
Bank Lain; banks;
98 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 99
Sustainable Governance
10. Review dan analisa risiko yang melekat pada produk 10. Review and analyze the risks attached to new products
atau aktivitas baru; or activities;
11. Review dan analisa permohonan deviasi Kantor 11. Review and analyze requests for deviation from Branch
Cabang/Unit Kerja terkait terhadap ketentuan internal Offices/Work Units related to applicable internal
yang berlaku; regulations;
12. Penyampaian mitigasi risiko dari seluruh pemantauan 12. Submission of risk mitigation from all monitoring and
dan review yang telah dilakukan; reviews that have been carried out;
13. Pemenuhan tindak lanjut komitmen kepada OJK; dan 13. Fulfillment of follow-up commitments to OJK; and
14. Sosialisasi dan edukasi Budaya Risiko (Risk Culture) 14. Dissemination and education of Risk Culture to Branch
kepada Kantor Cabang secara berkelanjutan. Offices continuously.
Adapun uraian lengkap mengenai manajemen risiko, A complete description of risk management, the risk
siklus proses manajemen risiko, potensi risiko, dampak management process cycle, risk potential, risk impact,
risiko, dan rencana mitigasi risiko dapat dilihat dalam and risk mitigation plans can be seen in the Company’s
Laporan Tahunan Perseroan Tahun 2022 Bab Tata Kelola Annual Report 2022 Chapter Corporate Governance.
Perusahaan.
• Pengawasan Aktif Dewan Komisaris dan Direksi atas • Active Supervision by the Board of Commissioners
Penerapan Manajemen Risiko and Board of Directors on the Implementation of
Risk Management
Memahami risiko-risiko yang dihadapi Bank, Dewan Understanding the Bank’s risks, the Board of
Komisaris dan Direksi senantiasa memberikan arahan, Commissioners and the Board of Directors always
melakukan pengawasan dan mitigasi secara aktif. provide direction and carry out active monitoring and
Dewan Komisaris menjalankan fungsi pengawasan mitigation. The Board of Commissioners carries out
risiko (risk oversight) melalui Komite Pemantau Risiko. the risk oversight function through the Risk Monitoring
Direksi menjalankan fungsi kebijakan risiko (risk policy) Committee. The Board of Directors carries out the
melalui komite eksekutif seperti Komite Manajemen risk policy function (risk oversight) through executive
Risiko, Asset & Liability Committee, Komite Kredit. committees such as the Risk Management Committee,
Asset & Liability Committee, and Credit Committee.
• Pembiayaan yang Bertanggung Jawab • Responsible FInancing [FN-CB-410a.2]
[FN-CB-410a.2]
Bank senantiasa memperhatikan analisa dampak The Bank always pays attention to risk impact analysis
risiko dan prospek usaha dalam hal penyaluran and business prospects regarding lending/financing.
kredit/pembiayaan. Sebagai wujud dukungan As a form of support for sustainable development,
terhadap pembangunan yang berkelanjutan selain in addition to encouraging environmentally sound
mendorong kegiatan berwawasan lingkungan activities and improving the community’s quality of
dan meningkatkan kualitas hidup masyarakat, life, the Bank also conducts due diligence to determine
Bank juga melakukan uji tuntas untuk mengetahui whether the distribution of credit/financing is feasible
apakah penyaluran kredit/pembiayaan tersebut by considering economic, social, and environmental
layak dengan mempertimbangkan risiko ekonomi, risks. Through the Credit Committee, based on
sosial dan lingkungan. Melalui Komite Kredit, atas the Financial Services Authority Regulation No. 42/
dasar Peraturan Otoritas Jasa Keuangan No. 42/ POJK.03/2017 concerning Obligations to Prepare
POJK.03/2017 tentang Kewajiban Penyusunan dan and Implement Bank Credit or Financing Policies for
Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Commercial Banks, Banks carry out their duties as
Bank bagi Bank Umum, Bank menjalankan tugasnya follows:
sebagai berikut:
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 99
Page 100
Tata Kelola Keberlanjutan
1. Memberikan persetujuan atau penolakan atas 1. Give approval or rejection of proposals regarding
usulan-usulan mengenai kredit secara objektif, credit objectively, honestly, and carefully while
jujur, cermat, tetap mempertimbangkan risiko still considering the risks and their mitigation and
serta mitigasinya dan sesuai dengan ketentuan by the provisions contained in the Credit Policy
yang tercantum di dalam Pedoman Kebijakan Guidelines, Credit Circular Letter, internal memos,
Perkreditan, Surat Edaran Kredit, memo-memo Bank Indonesia regulations, and Financial Services
internal, ketentuan Bank Indonesia, Peraturan Authority Regulations as well as the applicable laws
Otoritas Jasa Keuangan, serta peraturan and regulations, by the Credit Approval Authority
perundang-undangan yang berlaku, sesuai dengan Limit (BWMK), granted;
Batas Wewenang Memutus Kredit (BWMK) yang
diberikan;
2. Memberikan rekomendasi atas usulan kredit/ 2. Provide recommendations on credit/financing
pembiayaan kepada Komite Kredit yang proposals to the Credit Committee, which has a
mempunyai BWMK yang lebih tinggi; higher BWMK;
3. Menolak permintaan dan pengaruh dari pihak- 3. Refuse requests and influence from parties with
pihak yang berkepentingan dengan pemohon interest in credit applicants to provide credit
kredit untuk memberikan persetujuan kredit yang approval that is only a formality in nature and
hanya bersifat formalitas yang tidak memenuhi does not meet asset quality according to OJK
kualitas aset sesuai ketentuan OJK; dan regulations; and
4. Melakukan koordinasi dengan Asset and Liabilities 4. Coordinate with the Asset and Liabilities
Committee (ALCO) dalam aspek pendanaan Committee (ALCO) regarding credit funding.
perkreditan.
Bank berkomitmen untuk tidak menyalurkan The Bank is committed not to disbursing financing
pembiayaan jika dalam analisis risiko ditemukan if the risk analysis finds potential to harm both in
adanya potensi yang dapat merugikan baik dalam social aspects and causing pollution or environmental
aspek sosial maupun yang menyebabkan pencemaran damage.
atau kerusakan lingkungan.
100 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 101
Sustainable Governance Pelibatan Pemangku Kepentingan [OJK E.4][GRI 2-29] Stakeholder Engagement [OJK E.4] [GRI 2-29] Keberlanjutan usaha Perseroan turut ditentukan oleh The sustainability of the Company’s business is also keberhasilannya dalam memenuhi tanggung jawab determined by its success in fulfilling its responsibilities kepada para pemangku kepentingan yang beragam. Bank to various stakeholders. The Bank defines stakeholders mendefinisikan pemangku kepentingan sebagai entitas as entities or individuals affected by the Company’s atau individu yang terpengaruh oleh kegiatan, produk, activities, products, and services. On the other hand, dan jasa Perseroan. Di sisi lain, keberadaan mereka their existence also influences the Company in realizing juga mempengaruhi Perseroan dalam mewujudkan the success of strategy implementation and achieving keberhasilan penerapan strategi dan pencapaian tujuan. goals. With such a position, the Company strives to Dengan posisi seperti itu, maka Perseroan terus berupaya build harmonious stakeholder relationships. This is done, untuk membangun hubungan yang harmonis dengan among others, through various meeting forums that are para pemangku kepentingan. Hal itu dilakukan, antara held, both periodically and incidentally, according to the lain, melalui berbagai forum pertemuan yang digelar, needs of the Company or at the request of stakeholders. baik secara berkala maupun insidental sesuai dengan kebutuhan Perseroan atau atas permintaan pemangku kepentingan. Selaras dengan itu, Perseroan juga berupaya untuk In line with that, the Company also seeks to organize menyelenggarakan komunikasi yang intensif bersama intensive communication with stakeholder groups and kelompok-kelompok pemangku kepentingan, dan aims to involve them by their respective expectations. For mengupayakan pelibatan kelompok-kelompok tersebut the Bank, this involvement has proven to be very helpful sesuai dengan harapan masing-masing. Bagi Bank, for the Company in implementing sustainable finance pelibatan tersebut terbukti sangat membantu Perseroan during the reporting year. dalam menerapkan keuangan berkelanjutan selama tahun pelaporan. Berdasarkan pemetaan yang dilakukan Perseroan, berikut Based on the mapping carried out by the Company, pemangku kepentingan dan metode pelibatan yang the followings are the stakeholders, and the method of dilakukan selama tahun pelaporan: engagement carried out during the reporting year: PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 101
Page 102
Tata Kelola Keberlanjutan
Pemangku Kepentingan dan Topik Utama/Harapan
Dasar Pemilihan Pendekatan Keterlibatan Pemangku Kepentingan Respons Bank
Stakeholders and Basis for Engagement Approach Main Topic/Stakeholder Bank Response
Selection Expectations
• Ragam fasilitas yang memberi
kemudahan, keamanan
dan kenyamanan dalam
bertransaksi.
• Layanan Call Center, Contact
Center (Graha Call 24 Jam,
Graha Chat WA Business,
e-mail, media sosial dan
• Kualitas pelayanan. Cabang).
• Komunikasi sehari-hari
• Kemudahan dan keamanan • Menyediakan sarana informasi
di kantor pusat/cabang.
bertransaksi. via website.
• Layanan call center.
Nasabah | Customer • Informasi jasa perbankan yang • Layanan digital/online (agi
• Media sosial.
Kepuasan nasabah menentukan jelas. digital apps/Corporate
• Survei Kepuasan Nasabah.
pertumbuhan usaha. • Service quality. Internet Banking).
• Daily communication at head
Customer satisfaction determines • Ease and security of • Various facilities that provide
office/branches.
business growth. transactions. convenience, security, and
• Call center services.
• Clear banking service comfort in transactions.
• Social media.
information. • Call Center Services, Contact
• Customer Satisfaction Survey.
Centers (24-Hour Graha Call,
Graha Chat WA Business,
e-mail, social media, and
Branches).
• Providing means of
information via the website.
• Digital/online services (agi
digital apps/Corporate
Internet Banking).
• Remunerasi, tunjangan
dan fasilitas yang baik, di
antaranya Jaminan Kesehatan
Karyawan | Employee & Keselamatan BPJS serta
• Kesejahteraan karyawan.
Aset Perseroan yang penting fasilitas sarana dan prasarana
• Pelatihan dan pengembangan.
dan perlu terus dikelola serta penunjang lainnya.
Kegiatan kerja setiap hari/ • Keselamatan dan kesehatan
dikembangkan demi pertumbuhan • Memberikan pelatihan dan
pertemuan berkala. kerja.
usaha. pengembangan karier.
Daily work activities/regular • Employee welfare.
The Company’s assets are • Good remuneration, benefits
meetings. • Training and development.
important and need to be and facilities, including BPJS
• Occupational Health and
continuously managed and Health & Safety Insurance and
Safety.
developed for business growth. other supporting facilities and
infrastructure.
• Provide training and career
development.
Masyarakat | Public Kegiatan CSSR meliputi
Komunikasi dan interaksi baik Dampak nyata yang positif bagi
Penting untuk menjaga hubungan pendidikan, kesehatan,
secara formal maupun informal ketahanan sosial dan ekonomi
harmonis dan wujud kepedulian pemberdayaan masyarakat, dan
seperti dalam kegiatan CSSR. masyarakat.
sosial. lingkungan.
Communication and interaction A real positive impact on the social
It is important to maintain CSSR activities include education,
both formally and informally as in and economic resilience of the
harmonious relations and manifest health, community empowerment,
CSSR activities. community.
social care. and the environment.
102 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 103
Sustainable Governance
Pemangku Kepentingan dan Topik Utama/Harapan
Dasar Pemilihan Pendekatan Keterlibatan Pemangku Kepentingan Respons Bank
Stakeholders and Basis for Engagement Approach Main Topic/Stakeholder Bank Response
Selection Expectations
• Pemenuhan kewajiban
terhadap regulator seperti
pembuatan RAKB, Laporan
Keberlanjutan dan kepatuhan
lainnya.
• Pertemuan dan komunikasi • Pembiayaan untuk
Pemerintah | Government saat pemenuhan dan mendukung pembangunan
Kepatuhan dan Kontribusi
Sebagai regulator kegiatan usaha, sosialisasi peraturan. dan pertumbuhan ekonomi.
ekonomi sosial lingkungan demi
Bank senantiasa memperhatikan • Kegiatan bersama terkait • Pelaksanaan tanggung jawab
mewujudkan pembangunan
setiap ketentuan yang berlaku. CSSR. sosial dan lingkungan.
berkelanjutan.
As a regulator of business • Meetings and communication • Fulfillment of obligations to
Compliance and environmental
activities, the Bank always pays during compliance and regulators such as preparation
social economic contribution to
attention to every applicable socialization of regulations. of RAKB, Sustainability
achieve sustainable development.
regulation. • Joint activities related to Reports, and other
CSSR. compliance.
• Financing to support the
development and economic
growth.
• Implementation of social and
environmental responsibility.
Pemegang Saham/Investor |
Shareholders/Investors
Secara berkala menyediakan
Organ tertinggi dalam struktur
Keterbukaan informasi dan laporan yang transparan dan
tata kelola yang memiliki hak dan
RUPS, pertemuan investor lainnya. keuntungan berinvestasi. peningkatan kinerja usaha.
yang berinvestasi mengharapkan
GMS, other investor meetings. Disclosure of information and the Periodically provide transparent
imbal hasil.
benefits of investing. reports and improve business
The highest organ in the
performance.
governance structure with rights
and invests expects returns.
Kemudahan kerja sama dan Transparansi prosedur kerja sama,
Pemasok dan Mitra Usaha | Komunikasi saat proses perlakuan yang sama, memberikan memberi peluang yang sama atas
Suppliers and Business Partners penawaran, negosiasi, dan hasil yang memuaskan dan berarti/ dasar kemampuan, kualitas, dan
Mitra kerja penunjang kelancaran pemesanan. bisa dibanggakan. harga yang kompetitif.
operasional. Communication during the process Ease of cooperation and equal Transparency of cooperation
Partners to support smooth of bidding, negotiating, and treatment, results are satisfying procedures, providing equal
operations. ordering. and meaningful/ something to be opportunities based on ability,
proud of. quality, and competitive prices.
Topik utama di sini merupakan aspirasi dan harapan yang The main topic here is the aspirations and expectations
berkembang di tengah pemangku kepentingan, yang that develop among stakeholders, which are then used as
kemudian dijadikan sebagai aspek yang bersifat material material aspects or problems that must be addressed in
atau permasalahan yang harus direspons dalam kegiatan the Bank’s business activities.
usaha Bank.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 103
Page 104
Tata Kelola Keberlanjutan
Kode Etik
Code of Conduct
Kode Etik merupakan acuan tata laksana dan etika The Code of Ethics is a reference for governance and work
kerja bagi seluruh individu Bank dalam berperilaku ethics for all Bank individuals in behaving by the rules and
sesuai dengan aturan dan pemenuhan standar nilai fulfilling the set value standards to create a work culture,
yang ditetapkan dalam rangka penciptaan budaya kerja, work behavior, and business ethics to create added value
perilaku kerja dan etika bisnis sehingga menciptakan nilai for the Company. A good understanding followed by
tambah bagi Perseroan. Pemahaman yang baik dan diikuti the implementation of the Code of Ethics is essential in
penerapan Kode Etik merupakan salah satu faktor penting establishing good corporate governance.
dalam pembentukan tata kelola perusahaan yang baik.
• Maksud dan Tujuan • Purpose and Objectives
Tujuan dan maksud dari penetapan kode etik Bank The purpose and intent of establishing the code of
Artha Graha Internasional yaitu: ethics of Bank Artha Graha Internasional, that is:
1. Memberikan pemahaman akan prinsip-prinsip 1. Provide an understanding of GCG principles in the
GCG dalam budaya perusahaan yang dinyatakan corporate culture as stated in ethics and business
dalam etika dan perilaku bisnis yang sesuai Visi dan behavior by the Vision and Mission of the Bank;
Misi Bank;
2. Mendorong seluruh insan Bank Artha Graha 2. Encouraging all employees of Bank Artha Graha
Internasional berperilaku sesuai GCG dan nilai-nilai Internasional to behave according to GCG and
budaya perusahaan; corporate cultural values;
3. Mencegah terjadinya penyimpangan atau fraud 3. Prevent irregularities or fraud that pose a risk to
yang berisiko terhadap reputasi Bank; the Bank’s reputation;
4. Menjaga komitmen dalam melaksanakan Visi dan 4. Maintain a commitment to implementing the
Misi Bank sesuai dengan nilai-nilai budaya dalam Bank’s Vision and Mission through cultural values
etika dan perilaku bisnis; in ethics and business behavior;
5. Menjaga citra Bank di mata masyarakat melalui 5. Maintaining the Bank’s image in the eyes of the
kinerja Bank yang baik dengan memperhatikan public through good Bank performance by taking
perilaku dan etika berbisnis yang sehat dan into account healthy and sustainable business
berkesinambungan; behavior and ethics;
6. Memberikan pedoman dalam pengelolaan 6. Provide guidelines in managing conflicts of interest
benturan kepentingan dan pengendalian and gratification control; and
gratifikasi; dan
7. Menjaga hubungan dengan pihak eksternal yang 7. Maintain a harmonious and mutually beneficial
harmonis dan saling menguntungkan. relationship with external parties.
• Pokok-Pokok Kode Etik • Principles of the Code of Ethics
1. Etika Bisnis 1. Business Ethics
a. Tidak membocorkan atau menyampaikan a. Not leaking or conveying in any way all
dengan cara apapun semua informasi yang information known to employees regarding
diketahui oleh karyawan mengenai Bank Artha Bank Artha Graha Internasional and its
Graha Internasional maupun nasabahnya customers to third parties (other people,
kepada pihak ketiga (orang lain, nasabah, customers, friends, or family);
kawan, atau keluarga);
104 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 105
Sustainable Governance
b. Pada waktu jam kerja dan terlebih lagi sesudah b. During working hours and especially after
jam kerja, karyawan wajib menjaga semua data working hours, employees must keep all data
dan informasi yang menjadi wewenangnya, and information under their authority, including
antara lain buku catatan, buku data, laporan, notebooks, data books, reports, etc., and not
dan lain-lain, serta tidak membiarkan data dan leave such data and information in open places.
informasi tersebut di tempat terbuka, sehingga So that it can easily be seen or read by other
dengan mudah bisa dilihat atau dibaca oleh people;
orang lain;
c. Bila karyawan berhenti bekerja dari Bank c. If an employee stops working at Bank Artha
Artha Graha Internasional, karyawan wajib Graha Internasional, the employee must
menyerahkan semua catatan data, dokumen, submit all data records, documents, manuals,
buku pedoman, dan surat-surat milik Bank and letters belonging to Bank Artha Graha
Artha Graha Internasional kepada atasan Internasional to their direct supervisor;
langsung; serta as well as
d. Meskipun karyawan sudah berhenti dari Bank d. Even though the employee has resigned from
Artha Graha Internasional, karyawan wajib Bank Artha Graha Internasional, the employee
untuk tetap menjaga rahasia Bank Artha Graha is obliged to keep the secrets of Bank Artha
Internasional dan nasabah yang diketahui oleh Graha Internasional and customers known to
karyawan tersebut pada pihak lain. other parties the employee.
2. Etika Kerja 2. Work Ethics
a. Karyawan tidak dibenarkan mempunyai ikatan a. Employees are not justified in having other
kerja lain, baik secara langsung maupun tidak work ties, either directly or indirectly, with
langsung dengan badan usaha atau usaha business entities or individual businesses;
perorangan;
b. Dalam hubungan dengan nasabah atau relasi, b. In dealings with customers or relations, each
setiap karyawan tidak dibenarkan menerima employee is not justified in receiving gifts
hadiah, berupa barang dan uang yang dapat in the form of goods and money, which can
mengakibatkan berkurangnya objektivitas result in reduced objectivity in considering
karyawan dalam mempertimbangkan the expected interests of the assistance of the
kepentingan yang diharapkan dari pemberian goods. If an employee is forced to accept a gift
barang tersebut. Dalam hal karyawan and it is tough to refuse it, then the employee
terpaksa menerima pemberian dan sulit concerned, through his superior, is obliged to
sekali menolaknya, maka karyawan yang report the matter to the Board of Directors to
bersangkutan, melalui atasannya, wajib find the best way out;
melaporkan hal tersebut kepada Direksi untuk
dicarikan jalan keluar yang sebaik-baiknya;
c. Pada prinsipnya, setiap karyawan menyadari c. In principle, every employee is fully aware
sepenuhnya bahwa Bank tidak membenarkan that the Bank does not allow one or more
seorang atau lebih anggota keluarga karyawan employees’ family members to work at the
bekerja pada satu Bank yang sama; same Bank;
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 105
Page 106
Tata Kelola Keberlanjutan
d. Setiap karyawan harus mempunyai kesadaran d. Every employee must have awareness not
untuk tidak melakukan tindakan tercela, to commit disgraceful acts, such as falsifying
seperti memalsukan dokumen dan tanda documents and signatures, providing incorrect
tangan, memberikan keterangan yang tidak information to superiors or the Bank, as well
benar kepada atasan atau Bank, serta tindakan as other acts of dishonesty that can harm and
ketidakjujuran lainnya yang dapat merugikan damage the name of the Bank, either directly
dan merusak nama Bank, baik secara langsung or indirectly; and
maupun tidak langsung; dan
e. Setiap karyawan harus menyadari bahwa e. Each employee must realize that any violation
setiap pelanggaran atau melakukan hal yang or conduct of dishonesty regarding the
menyangkut ketidakjujuran atas ketentuan provisions mentioned above is already a strong
tersebut di atas, sudah merupakan alasan reason for the employee to accept the action to
yang kuat bagi karyawan untuk menerima be taken by the Bank, including terminating the
tindakan yang akan diambil oleh Bank, antara employment relationship and even continuing
lain pemutusan hubungan kerja, dan bahkan to process the case to the third party.
melanjutkan pemrosesan perkaranya kepada Authorities, even though they do not have a
pihak berwenang, walaupun sudah tidak working relationship.
mempunyai hubungan kerja sekalipun.
• Sosialisasi dan Penyebarluasan Kode Etik • Dissemination and Dissemination of the Code of
Conducts
Bank Artha Graha Internasional melakukan sosialisasi Bank Artha Graha Internasional conducts socialization
kode etik kepada seluruh insan Bank dan pihak yang of the code of ethics to all Bank personnel and related
terkait tanpa terkecuali, baik di dalam Bank maupun parties without exception, both within the Bank and
yang berkaitan langsung dengan bisnis perusahaan. those directly related to the Company’s business. The
Program sosialisasi tersebut dilakukan dengan: outreach program is carried out by:
1. Menyampaikan kepada seluruh karyawan dan 1. Convey to all employees and Directors of the Bank
Direksi Bank melalui e-mail administrator; via e-mail administrator;
2. Menyampaikan pada saat penandatanganan 2. Convey at the signing of the Collective Labor
Perjanjian Kerja Bersama yang dilakukan antara Agreement between the prospective employee
calon karyawan dengan manajemen Bank; and the Bank’s management;
3. Melakukan pengawasan di setiap unit kerja; dan 3. Carry out supervision in each work unit; and
4. Menandatangani surat pernyataan Pakta Integritas 4. Sign the Integrity Pact statement to comply with
untuk menaati etika bisnis. business ethics.
106 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 107
Sustainable Governance Kebijakan dan Komitmen Anti Korupsi Anti Corruption Policy and Commitment Bank menilai tindakan korupsi merupakan kejahatan The Bank considers that acts of corruption are extraordinary luar biasa dan berdampak sangat besar dan merugikan crimes and significantly impact and harm the community masyarakat dan negara. Oleh karena itu, Perseroan and the country. Therefore, the Company supports the mendukung komitmen pemerintah untuk memberantas government’s commitment to eradicating corruption korupsi melalui berbagai instansi, seperti Kejaksaan, through various agencies, such as the prosecutor’s office, Kepolisian dan Komisi Pemberantasan Korupsi (KPK). the police, and the Corruption Eradication Commission Melalui komitmen tersebut, Perseroan mendorong praktik (KPK). Through this commitment, the Company bisnis yang jujur dan beretika. encourages honest and ethical business practices. Komitmen Bank terhadap anti korupsi dan anti fraud diatur The Bank’s commitment to anti-corruption and anti- dalam Pedoman Kebijakan Perseroan No. 00001.02.3 fraud is regulated in the Company’s Policy Guidelines tanggal 25 Maret 2022 tentang Strategi Anti Fraud, No. 00001.02.3 dated March 25, 2022, concerning the yang disosialisasikan secara berkala kepada karyawan Anti-Fraud Strategy, which is periodically disseminated baik di Kantor Pusat maupun Cabang termasuk pada to employees at the Head Office and Branches, including karyawan outsourcing (driver, office boy dan security). outsourced employees (drivers, office assistants, and Bagi Perseroan, kebijakan anti korupsi bermanfaat untuk security). For the Company, the anti-corruption policy is memastikan agar kegiatan usaha Perseroan dilakukan beneficial to ensure that the Company’s business activities secara legal, prudent, dan sesuai dengan prinsip-prinsip are carried out legally, prudently, and by the principles of tata kelola yang baik. Kebijakan tersebut dapat merupakan good governance. The policy can be part of the Code of bagian dalam Kode Etik, ataupun dalam bentuk tersendiri. Ethics or in a separate form. Guidelines set by the Bank can Kebijakan yang ditetapkan Bank bisa berupa program dan be in the form of programs and procedures implemented prosedur yang dijalankan untuk mengatasi praktik korupsi, to address corruption practices, kickbacks, fraud, bribery, balas jasa (kickbacks), fraud, suap dan/atau gratifikasi. and/or gratuities. The scope of this policy describes the Adapun lingkup dari kebijakan tersebut menggambarkan Company’s prevention of all corrupt practices, both giving pencegahan Perseroan terhadap segala praktik korupsi, and receiving from other parties. [GRI 3-3] baik memberi maupun menerima dari pihak lain. [GRI 3-3] Setiap tahun, Bank melakukan kegiatan sosialisasi Every year the Bank conducts outreach activities on the akan pentingnya budaya anti fraud, baik terhadap importance of an anti fraud culture, both internally to the internal Perseroan maupun mitra bisnisnya. Kegiatan ini Company and its business partners. This activity is usually dilaksanakan bersamaan dengan sosialisasi tentang Anti carried out in conjunction with socialization on anti-money Pencucian Uang dan Pencegahan Pendanaan Terorisme laundering and prevention of the financing of terrorism (APU PPT). Selain itu, setiap karyawan baru akan mendapat (AML CFT). In addition, each new employee will receive materi pembekalan Kode Etik yang di dalamnya terdapat a briefing on the Code of Ethics, including an anti fraud kebijakan anti fraud serta menandatangani deklarasi policy and an Anti Fraud statement. pernyataan Anti Fraud. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 107
Page 108
Tata Kelola Keberlanjutan
Penerapan Anti Pencucian Uang dan Pencegahan
Pendanaan Terorisme (APU PPT)
Implementation of Anti Money Laundering and Combating the
Financing of Terorrism (AML CFT)
Bank menerapkan program Anti Pencucian Uang dan The Bank implements the Anti-Money Laundering and
Pencegahan Pendanaan Terorisme (APU PPT) sebagai Combating the Financing of Terrorism (AML CFT) program
upaya konkret untuk meningkatkan kewaspadaan terhadap as a concrete effort to increase awareness of activities
kegiatan yang menjurus kepada perbuatan pencucian that lead to acts of money laundering and financing of
uang maupun pendanaan terorisme. Pelaksanaan APU terrorism. Implementation of AML CFT Bank refers to 5
PPT Bank mengacu pada 5 pilar yaitu: pillars, namely:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision by the Board of Commissioners
and Board of Directors
Fungsi pelaksanaan, pengawasan, serta penerapan The management has implemented, supervised, and
APU PPT telah dilakukan oleh pengurus dengan implemented AML CFT by providing recommendations
memberikan rekomendasi terhadap Laporan Bulanan on the Monthly and Quarterly Reports submitted by
dan Triwulan yang disampaikan oleh UKK APU PPT. UKK AML CFT.
2. Kebijakan dan Prosedur 2. Policies and Procedures
Penerapan program APU PPT tertuang dalam Surat The implementation of the AML CFT program is
Edaran Operasi No. 138.09.1 tanggal 16 September contained in Operation Circular Letter No. 138.09.1
2022 tentang Anti Pencucian Uang dan Pencegahan dated September 16, 2022, concerning Anti-Money
Pendanaan Terorisme yang pelaksanaannya terus Laundering and Prevention of the Financing of
dilaksanakan secara bertahap, konsisten, serta Terrorism, the performance of which continues to be
berkesinambungan. Pemeriksaan dilaksanakan secara carried out in stages, consistently and continuously.
rutin oleh Unit Kerja Khusus APU PPT pada: Inspections are carried out routinely by the AML CFT
Special Work Unit on:
a. Penomoran Customer Identification File (CIF) a. Numbering of customers’ Customer Identification
nasabah dengan menganut single CIF; File (CIF) by adhering to a single CIF;
b. Kelengkapan data nasabah baru pada system core b. Completeness of new customer data in the core
banking dan pembaruan data nasabah; banking system and customer data updates;
c. Pengawasan terhadap transaksi keuangan c. Supervise customer financial transactions to detect
nasabah untuk mendeteksi transaksi keuangan suspicious financial transactions; and
mencurigakan; dan
d. Pengawasan nasabah berisiko tinggi (high risk d. Supervised high-risk customers (high-risk
customer). customers).
3. Pengendalian Internal 3. Internal Control
Pemeriksaan rutin dilaksanakan oleh Direktorat The Compliance Directorate performs routine checks
Compliance guna melihat efektivitas pelaksanaan to see the effectiveness of implementing the AML CFT
program APU PPT pada kantor cabang. Hasil program at branch offices. The inspection results are
pemeriksaan disampaikan dalam bentuk Laporan submitted as a Compliance Report, where the relevant
Kepatuhan, dimana setiap temuan akan ditindaklanjuti branch office will follow up on each finding.
oleh kantor cabang terkait.
108 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 109
Sustainable Governance 4. Sistem Informasi Manajemen 4. Management Information System Bank senantiasa mengembangkan sistem informasi The Bank always develops an information system yang dapat mengidentifikasi, menganalisis, that can identify, analyze, monitor, and provide memantau, dan menyediakan laporan secara efektif reports effectively and efficiently. The management dan efisien. Sistem informasi manajemen tersebut information system identifies the characteristics of mengidentifikasi karakteristik nasabah dan pola customers and the patterns of transactions made transaksi yang dilakukan untuk kemudian disesuaikan and then adapts them to internal and external needs. dengan kebutuhan internal maupun eksternal. Saat ini, Currently, the Bank already has and implements a Bank sudah mempunyai dan mengimplementasikan system to support the implementation of AML CFT, sistem untuk mendukung pelaksanaan APU PPT yang which is called the AML CFT application. disebut aplikasi APU PPT. 5. Human Capital dan Pelatihan 5. Human Capital and Training Bank mengadakan kegiatan sosialisasi dan pelatihan The Bank holds outreach and training activities related terkait APU PPT bagi seluruh karyawan Kantor Cabang to AML CFT for all employees of Branch Offices and dan Kantor Pusat Non Operasional (KPNO) termasuk Non-Operational Head Offices (KPNO), including new karyawan baru secara berkelanjutan sesuai Rencana employees, on an ongoing basis, according to the Bisnis Bank (RBB). Bank’s Business Plan (RBB). PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 109
Page 110
Tata Kelola Keberlanjutan
Sistem Pelaporan Pengaduan Pelanggaran [FN-CB-510A.2]
Whistleblowing Reporting System [FN-CB-510A.2]
Perseroan memiliki Whistleblowing System (WBS) yang The Company has a Whistleblowing System (WBS),
merupakan salah satu bentuk komitmen Bank dalam a form of the Bank’s commitment to supporting the
mendukung penerapan GCG yang baik dan praktik implementation of good GCG and business practices
bisnis yang berintegritas. WBS disediakan sebagai with integrity. WBS is provided as a communication
saluran komunikasi yang memfasilitasi whistleblower/ channel that facilitates whistleblowers/reporters to report
pelapor untuk melaporkan kejadian atau dugaan incidents or allegations related to acts of fraud, including
terkait dengan tindakan fraud, di antaranya: penipuan, fraud, embezzlement of assets, leaking of information,
penggelapan aset, pembocoran informasi, tindak pidana banking crimes, policy violators, bribery/borrowing
perbankan (tipibank), pelanggar kebijakan, penyuapan/ money with customers, theft/embezzlement, fraudulent
pinjam-meminjam uang dengan customer, pencurian/ financial statements, illegal activities, violations of the
penggelapan, kecurangan laporan keuangan, aktivitas code of ethics and other actions that can be equated
ilegal, pelanggaran kode etik dan tindakan lain yang with fraud, involving Bank employees and/or with related
dapat dipersamakan dengan Fraud, yang melibatkan parties whose identity as the reporter is kept confidential.
karyawan Bank dan/atau dengan pihak-pihak terkait yang
terjaga kerahasiaan identitas pelapornya.
Pengungkapan pelanggaran dilakukan secara rahasia, Disclosure of violations is carried out confidentially,
anonim, dan mandiri. Setiap laporan yang masuk akan anonymously, and independently. Each incoming report
dipelajari, diklasifikasikan dan ditindaklanjuti melalui will be studied, classified, and followed up through an
penyelidikan mendalam berdasarkan fakta-fakta yang in-depth investigation based on the facts obtained. The
diperoleh. Hasil keputusan terhadap terbukti atau tidaknya decision on whether or not the information is proven
pelaporan tersebut akan dibuat dan diambil berdasarkan will be made and taken based on considerations of the
pertimbangan akibat tindakan, derajat kesengajaan, dan consequences of the action, the degree of intention, and
motif tindakan. the motive for the move.
• Kebijakan Whistleblowing System • Whistleblowing System Policy
Bank mengatur kebijakan whistleblowing system The Bank regulates the whistleblowing system policy
sebagaimana yang telah diatur dalam Kebijakan as stipulated in the Company Policy Guidelines
Perseroan tentang Pedoman Penerapan Strategi Anti concerning Guidelines for Implementing Anti-Fraud
Fraud, dan Penyampaian Laporan Pelanggaran dan Strategies and Submission of Violation and Fraud
Fraud. Reports.
• Tujuan Whistleblowing System • Purpose of the Whistleblowing System
a. Mendeteksi dini dan mencegah terjadinya a. Early detection and prevention of irregularities or
penyimpangan ataupun pelanggaran di lingkungan violations within the Bank; as well as
Bank; serta
b. Menciptakan iklim kerja yang sehat, terbuka, tulus, b. Creating a healthy, open, sincere, honest, and
jujur, dan bertanggung jawab di lingkungan Bank. responsible work climate within the Bank.
• Jenis Pelanggaran • Type of Violation
Bentuk pelanggaran yang dapat dilaporkan dan akan Forms of violations that can be reported and will be
ditindaklanjuti oleh Sub Direktorat Anti Fraud Bank, followed up by Sub Directorate of Anti-Fraud Bank,
yaitu: namely:
1. Kecurangan; 1. Cheating;
2. Penipuan; 2. Fraud;
3. Penggelapan Aset; 3. Embezzlement of Assets;
110 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 111
Sustainable Governance
4. Pembocoran Informasi; 4. Leaking of Information;
5. Tindak Pidana Perbankan; dan 5. Banking Crimes; and
6. Tindakan lain yang dapat dipersamakan dengan 6. Other actions that can be equated with fraud.
fraud.
Dalam kegiatan operasional keseharian, Bank The Bank implements the Anti-Fraud Strategy
menerapkan program Strategi Anti Fraud yang program in daily operational activities, which is guided
berpedoman pada Peraturan Otoritas Jasa Keuangan by the Financial Services Authority Regulation No. 39/
No. 39/POJK.03/2019 tanggal 19 Desember 2019 POJK.03/2019, dated December 19, 2019, concerning
perihal Penerapan Strategi Anti Fraud bagi Bank implementing Anti-Fraud Strategy for Commercial
Umum. Bagi Perseroan, setiap pelanggaran atas Banks. For the Company, any violation of the anti-
kebijakan anti korupsi dan fraud merupakan hal corruption and fraud policies is a serious matter,
yang serius dan ditindak tegas sesuai kebijakan dan and strict action is taken according to the applicable
peraturan yang berlaku, yang terdapat pada Pedoman policies and regulations, which are contained in the
Penerapan Strategi Anti Fraud No. 00001.02.3, tanggal Guideline for Implementing Anti-Fraud Strategy
25 Maret 2022, dimana kebijakan ini berlaku untuk No. 00001.02.3, dated March 25, 2022, where this
semua karyawan baik tetap atau kontrak, termasuk policy applies to all employees, either permanent or
Manajemen Bank, Dewan Komisaris, dan Direksi. contract, including Bank Management, the Board of
Commissioners and the Board of Directors.
Selanjutnya Bank terus meningkatkan kepedulian Furthermore, the Bank continues raising awareness
Human Capital (HC) tentang aspek kepatuhan dengan of Human Capital (HC) regarding the compliance
melakukan sosialisasi secara berkesinambungan aspect by conducting continuous outreach regarding
mengenai Penerapan Strategi Anti Fraud. Adapun implementing the Anti-Fraud Strategy. The Anti-
Strategi Anti Fraud didukung oleh implementasi Fraud Strategy is supported by the implementation of
4 (empat) pilar, yaitu (a) Pencegahan; (b) Deteksi; 4 (four) pillars, namely (a) Prevention; (b) Detection;
(c) Investigasi, Pelaporan, dan Sanksi; serta (d) (c) Investigation, Reporting, and Sanctions; and (d)
Pemantauan, Evaluasi, dan Tindak Lanjut. Monitoring, Evaluation, and Follow Up.
Lebih dari itu, komitmen anti fraud juga ditunjukkan Furthermore, the anti-fraud commitment is also
dengan penyampaian komitmen Deklarasi pernyataan realized by submitting the Anti-Fraud Declaration
Anti Fraud untuk semua karyawan, yang mencakup statement for all employees, which includes being
di antaranya bersih dari suap, korupsi, kolusi, dan free from bribery, corruption, collusion, and nepotism
nepotisme (KKN). (KKN).
• Media Pelaporan • Reporting Media
Sub Direktorat Anti Fraud - Direktorat Internal Audit Anti Fraud Sub Directorate: Internal Audit Directorate
menerima laporan pelanggaran dan fraud mengacu receives reports of violations and fraud referring to the
kepada Pedoman Kebijakan Perseroan tentang Company’s Policy Guidelines on Anti Fraud Strategy.
Strategi Anti Fraud. Pelaporan ini dapat disampaikan This report can be submitted via:
melalui:
Surat: Letter:
Sub Direktorat Anti Fraud, Sub Direktorat Anti Fraud,
Gedung Bank Artha Graha Lantai 3, Bank Artha Graha Building 3th Floor,
Jl. Kopi No. 2, Jakarta Barat 11230 Jl. Kopi No. 2, West Jakarta 11230
E-mail: antifraud@ag.co.id E-mail: antifraud@ag.co.id
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 111
Page 112
Tata Kelola Keberlanjutan
Mekanisme Penyampaian Laporan Pelanggaran
Mechanism for Submission of Violation Reports
Pelaksana Uraian Dokumen Keterangan
Implementor Description Document Remark
Melaporkan pelanggaran Bukti/dokumen lengkap
Pelapor melalui Whistleblowing pelanggaran Bukti/dokumen atau informasi
Whistleblower Reporting violations via Complete evidence/documents pelanggaran, minimal:
Whistleblowing of violaton • Identitas pelapor (anonim);
• Informasi pelanggaran;
• Pelaku dan pihak terlibat;
Petugas Anti Fraud Menerima laporan pelanggaran Hasil identifikasi awal • Perkiraan kerugian terjadi;
Anti Fraud Officer Receiving whistleblowing report Initial identification dan
• Tempat dan waktu kejadian.
Melakukan Evidence/documents or
Petugas Anti Fraud identifikasi awal Hasil rekomendasi information of violation,
Anti Fraud Officer Carrying out Recommendation result at least:
initial identification • Whistleblower’s identity
(anonymous);
Menyusun rekomendasi • Information about violation;
Petugas Anti Fraud hasil identifikasi awal • Suspect and implicated
Anti Fraud Officer Developing recommendations parties;
for initial identification • Estimated damage; and
• Place and time of incident.
Memeriksa dan menandatangani rekomendasi
Executive Officer Anti Fraud hasil identifikasi awal
Anti Fraud Executive Officer Checking and signing the recommendation
for initial identification result
Perubahan
Keputusan identifikasi awal,
Changes
yakni:
Deputy Director • Dihentikan, jika tidak
Deputy Director memenuhi persyaratan
Surat Tugas identifikasi awal; dan
Assignment Letter • Dilanjutkan ke tahap
Menerima dan memutuskan investigasi, sesuai dengan
tindak lanjut pengaduan
Accepting and deciding the
follow up action Hasil identifikasi awal Initial identification decision, i.e.:
Initial identification • Dropped, if it is not eligible
for initial identification; and
• Proceeded to investigation
stage, based on the
Investigasi Keputusan Dihentikan complaint
Investigation Decision Dropped
Tim Anti Fraud
Anti Fraud Team
112 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 113
Sustainable Governance
• Pihak yang Mengelola Pengaduan • Parties Managing Complaints
Sub Direktorat Anti Fraud adalah pihak yang The Anti-Fraud Sub Directorate is the party responsible
bertanggung jawab dalam mengelola whistleblowing for managing the Bank’s whistleblowing system.
system Bank.
• Perlindungan bagi Whistleblower • Protection for Whistleblowers
Bank akan memberikan perlindungan terhadap The Bank will protect reporters who are proven to be
pelapor yang terbukti kebenarannya, di antaranya: accurate, including:
1. Memberikan jaminan kerahasiaan identitas pelapor 1. Guarantee the confidentiality of the reporter’s
dan isi laporan yang disampaikan; identity and the contents of the report submitted;
2. Memberikan jaminan perlindungan terhadap 2. Provide guarantees of protection against treatment
perlakuan yang merugikan pelapor; dan that is detrimental to the reporter; and
3. Memberikan jaminan perlindungan dari 3. Provide guarantees of protection from the
kemungkinan adanya tindakan ancaman, intimidasi, possibility of threats, intimidation, punishment, or
hukuman ataupun tindakan tidak menyenangkan other unpleasant actions from the reported party.
lainnya dari pihak terlapor.
• Penanganan Pengaduan • The Handling of Complaints
Tahapan penanganan pengaduan yang diterima Bank: Stages of handling complaints received by the Bank:
1. Adanya Informasi atas dugaan suatu tindakan 1. There is information on suspicion of an act of fraud;
fraud;
2. Bukti-bukti terkait dengan tindakan yang patut 2. Evidence related to actions that should be
diduga/dicurigai, kemudian dikumpulkan dan suspected/suspicious then collected and verified;
dilakukan verifikasi;
3. Melakukan identifikasi awal, serta menyusun 3. Conduct initial identification, and prepare
rekomendasi atas hasil identifikasi tersebut; recommendations on the results of the
identification;
4. Memberikan keputusan tindak lanjut, jika 4. Provide follow-up decisions. If fraud is indicated, a
terindikasi fraud, maka dilakukan pemeriksaan thorough examination will be carried out;
secara menyeluruh;
5. Melaksanakan identifikasi terkait kelemahan dan 5. Carry out identification related to weaknesses and
penyebab terjadinya fraud, serta menentukan causes of fraud, and determine the next steps,
langkah selanjutnya termasuk salah satunya including strengthening the Bank’s internal control
memperkuat sistem pengendalian internal Bank; system; and
dan
6. Membuat laporan kepada Direktur Utama dengan 6. Make a report to the President Director with a
tembusan kepada Dewan Komisaris. copy to the Board of Commissioners.
• Sosialisasi Whistleblowing System [GRI 205-2] • Dissemination of the Whistleblowing System [GRI 205-2]
Seluruh karyawan dan mitra bisnis Bank wajib All employees and business partners of the Bank are
menerapkan kebijakan anti korupsi. Sejalan dengan required to implement anti-corruption policies. In line
itu, untuk mengefektifkan penerapan whistleblowing with that, to streamline the implementation of the
system pada tahun 2022, Bank melalui Sub Direktorat whistleblowing system in 2022, the Bank through the
Anti Fraud telah melaksanakan sosialisasi anti fraud ke Anti-Fraud Sub-Directorate has carried out anti-fraud
seluruh kantor cabang/kantor cabang pembantu Bank, socialization to all branch offices/sub-branch offices/
termasuk pada karyawan outsourcing (driver, office Banks, including outsourced employees (drivers, office
boy, dan security). boys, and security).
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 113
Page 114
Tata Kelola Keberlanjutan
• Jumlah Pengaduan yang Masuk dan Diproses tahun • Number of Complaints Received and Processed in
2022 2022
Pada tahun 2022, Bank melaporkan tidak terdapat In 2022, the Bank reported no reports of alleged
pelaporan dugaan fraud yang disampaikan melalui fraud submitted through the whistleblowing system
mekanisme whistleblowing system. mechanism.
• Sanksi/Tindak Lanjut atas Pengaduan yang Telah • Sanctions/Follow-up on Complaints That Have Been
Selesai Diproses pada Tahun Buku Completely Processed in the Fiscal Year
Pada tahun 2022, Bank tidak menerima pengaduan In 2022, the Bank did not receive complaints of
pelanggaran. Dalam hal terdapat pengaduan violations. If there are complaints of breaches that
pelanggaran yang masuk dan setelah diinvestigasi come in and, after investigation, are proven to be
terbukti sebagai pelanggaran maka dikenakan sanksi violations, sanctions will be imposed under applicable
sesuai dengan peraturan yang berlaku. [FN-CB-510a.1] regulations. [FN-CB-510a.1]
Jumlah Insiden Korupsi [GRI 205-3] Number of Corruption Incidents [GRI 205-3]
Tindakan Karyawan Mitra Bisnis Keterangan
Action Employee Business Partner Description
Surat Peringatan Nihil Nihil Nihil
Warning Letter Nil Nil Nil
Pemutusan Hubungan Kerja Nihil Nihil Nihil
Work Termination Nil Nil Nil
Bank menilai, kebijakan dan sosialisasi terkait anti- The Bank assesses that policies and outreach related
korupsi sudah berjalan baik. Walau demikian, Perseroan to anti-corruption have been going well. However, the
terus berkomitmen untuk menjalankan kegiatan usaha Company continues to be committed to carrying out
secara bersih, transparan, dengan menjunjung tinggi business activities in a clean, transparent manner by
moral dan etika. [GRI 3-3] upholding morals and ethics. [GRI 3-3]
114 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 115
Sustainable Governance
Etika Usaha dan Tata Perilaku
Business Ethics and Code of Conduct
Pedoman Etika Usaha dan Tata Perilaku Bank Artha Graha The Code of Business Ethics and Code of Conduct for
Internasional memuat nilai–nilai etika dan tata perilaku Bank Artha Graha Internasional contains ethical values and
sebagai suatu standar beretika dan berperilaku bagi Insan a code of conduct as a standard of ethics and behavior for
Bank Artha Graha Internasional, yang meliputi: Bank Artha Graha Internasional personnel, which include:
1. Standar Etika Usaha 1. Ethical Business Standards
Mengatur interaksi Bank dengan Perusahaan, Nasabah, Manage the Bank’s interactions with Companies,
Rekanan (pemasok/suppliers, konsultan, perguruan Customers, Partners (suppliers/suppliers, consultants,
tinggi, organisasi profesi), Pesaing, Pemegang Saham, universities, professional organizations), Competitors,
Regulator, Mitra Binaan, Stakeholder lainnya. Shareholders, Regulators, Development Partners, and
other Stakeholders.
2. Standar Tata Perilaku 2. Code of Conduct Standards
Mengatur sikap dasar individu, etika kerja sama Regulating basic individual attitudes, ethics of
Insan Bank Artha Graha Internasional dengan cooperation between Bank Artha Graha Internasional
Perusahan, etika kerja sesama Insan Bank Artha Graha personnel and the Company, work ethics among
Internasional, perilaku sebagai atasan, perilaku Bank Artha Graha Internasional personnel, behavior
sebagai bawahan, menjaga kerahasiaan data as superiors, behavior as subordinates, maintaining
dan informasi Bank, menjaga aset Bank, menjaga the confidentiality of Bank data and information,
Keselamatan dan Kesehatan Kerja (K3), mencatat data safeguarding Bank assets, maintaining Occupational
dan pelaporan, menghindari benturan kepentingan Safety and Health (OHS), recording data and reporting,
dan penyalahgunaan jabatan, kegiatan berpolitik, avoiding conflicts of interest and abuse of office
hadiah, cendera mata, donasi, komisi dan suap, position, political activities, gifts, souvenirs, donations,
dan penyalahgunaan narkotika dan obat terlarang commissions, and bribes, and abuse of narcotics and
(narkoba) dan minuman keras. illegal drugs and alcohol.
3. Penerapan dan Penegakan Standar Etika Usaha dan 3. Implementation and Enforcement of Standards of
Tata Perilaku Business Ethics and Code of Conduct
Mengatur tentang organisasi, penegakan etika usaha Regulates organization, enforcement of business ethics
dan tata perilaku, sanksi pelanggaran etika usaha dan and code of conduct, sanctions for violating business
tata perilaku, sosialisasi dan interaksi, serta mekanisme ethics and code of conduct, outreach, and interaction,
pembaruan/revisi etika usaha dan tata perilaku. as well as mechanisms for updating/revising business
ethics and code of conduct.
Untuk memastikan Kode Etik diketahui dan dijalankan To ensure that all Company personnel know and
oleh seluruh Insan Perseroan, Bank telah melaksanakan implement the Code of Ethics, the Bank has carried
sosialisasi dan mendistribusikan buku Kode Etik kepada out outreach and distributed the Code of Ethics book
seluruh Insan Perseroan dalam bentuk Buku Saku. Selain to all Company personnel in the form of Pocket Books.
itu, seluruh Insan Perseroan menandatangani Surat In addition, all Company personnel signs a Statement
Pernyataan yang berisi pernyataan tentang kesediaan containing a statement regarding the willingness of each
masing-masing Insan untuk memenuhi semua ketentuan individual to comply with all the provisions contained in
yang tercantum di dalam Pedoman tersebut sebagai the Guidelines as a form of commitment to compliance.
wujud komitmen atas kepatuhan tersebut.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 115
Page 116
Tata Kelola Keberlanjutan Budaya Kepatuhan Bank Bank Compliance Culture Untuk mendorong terciptanya budaya kepatuhan To encourage the creation of a culture of compliance pada seluruh insan Perseroan, Bank telah menetapkan among all Company personnel, the Bank has established kebijakan atau ketentuan kepatuhan dalam bentuk compliance policies or provisions in the form of formal dokumen formal tentang Fungsi Kepatuhan yang efektif, documents regarding an adequate Compliance Function, baik dalam bentuk Surat Keputusan Direksi maupun Surat both in the form of Directors Decrees and Directors Circular Edaran Direksi. Seiring dengan itu, Bank konsisten dalam Letter. Along with that, the Bank consistently ensures memastikan kepatuhan terhadap seluruh ketentuan compliance with all applicable laws and regulations, all peraturan perundangan yang berlaku dan seluruh cooperation agreements and commitments with parties, perjanjian kerja sama maupun komitmen dengan para and relevant regulations related to the Bank’s products pihak, dan peraturan yang relevan terkait dengan produk and services. dan layanan Bank. Kode Etik berlaku bagi seluruh pengurus, dalam hal The Code of Ethics applies to all management, in this ini Dewan Komisaris dan Direksi serta Pegawai, dalam case, the Board of Commissioners and Directors and menjalankan setiap aktivitas bisnis Bank dan melakukan Employees, in carrying out every business activity of the interaksi antara Komisaris, Direksi, dan Pegawai dengan Bank and interacting between Commissioners, Directors, seluruh Pemangku Kepentingan. Keberhasilan penerapan and Employees with all Stakeholders. The successful Kode Etik merupakan tanggung jawab dari seluruh implementation of the Code of Ethics is the responsibility pimpinan di lingkungan unit kerja masing-masing. of all leaders within their respective work units. 116 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 117
Sustainable Governance Permasalahan terhadap Penerapan Kegiatan Berkelanjutan [OJK E.5] Problems with the Implementation of Sustainable Activities [OJK E.5] Bank berkomitmen untuk menerapkan program dan The Bank is committed to implementing programs and kegiatan yang selaras dengan keuangan berkelanjutan activities aligned with sustainable finance as stated in sebagamana disampaikan dalam Rencana Bisnis Bank the Bank’s Business Plan (RBB) and the 2022 Sustainable (RBB) dan Rencana Aksi Keuangan Berkelanjutan (RAKB) Finance Action Plan (RAKB). During the reporting year, all Tahun 2022. Selama tahun pelaporan, segenap insan of the Company’s personnel have made every effort to Perseroan telah berupaya secara maksimal melaksanakan optimally implement the programs in the RBB and RAKB. program-program dalam RBB dan RAKB tersebut. Dalam In this implementation, internally, the Bank needs help pelaksanaan tersebut, secara internal, Bank menghadapi in the form of employees’ understanding of the basic permasalahan berupa pemahaman karyawan terhadap concept of Sustainable Finance, which is still limited and konsep dasar Keuangan Berkelanjutan masih terbatas uneven. Employees are not yet sensitive to businesses, dan belum merata dan Karyawan belum sensitif terhadap activities, and environmentally sound products, so they usaha, aktivitas, produk yang berwawasan lingkungan are still unable to “see” and take advantage of the current sehingga masih belum dapat “melihat” dan memanfaatkan opportunities. While externally, the problem faced is kesempatan yang ada. Sedangkan secara eksternal, that financing according to the principles of Sustainable permasalahan yang dihadapi adalah Pembiayaan sesuai Finance is recognized as quite complex and requires a prinsip Keuangan Berkelanjutan diakui cukup kompleks relatively long time compared to conventional financing, dan memerlukan waktu relatif lama dibanding pembiayaan one of the main requirements for “new” financing is konvensional, salah satu syarat utama pembiayaan “baru” the availability of non-financial information (Social, adalah ketersediaan informasi non-finansial (Lingkungan, Environment and Governance - LST). Sosial dan Tata Kelola - LST). Menghadapi permasalahan internal, Bank telah merumuskan Facing internal problems, the Bank has formulated and dan menerapkan solusi terbaik berupa peningkatan implemented the best solutions in the form of increasing pengetahuan melalui pelatihan dan mendorong perilaku knowledge through training and encouraging daily sehari-hari yang sesuai prinsip Keuangan Berkelanjutan behavior that is by the principles of Sustainable Finance dalam lingkungan Bank dan meningkatkan sensitivitas within the Bank’s environment and increasing sensitivity dengan mendorong karyawan untuk mengikuti pelatihan, by encouraging employees to attend training, discussions, diskusi, dan seminar eksternal sesuai dengan spesialisasi and external seminars according to sector specialization/ sektor/topik yang diminati. Sedangkan permasalahan topic of interest. At the same time, external problems eksternal diselesaikan melalui kebijakan strategis berupa are resolved through strategic policies in the form of peningkatan pengetahuan melalui pelatihan dan diskusi increasing knowledge through training and discussions dengan nasabah untuk mengenal tantangan dan kebutuhan with customers to get to know their challenges and needs. mereka. Melalui solusi tersebut, maka Perseroan dapat Through these solutions, the Company can suppress and menekan dan meminimalkan/memitigasi risiko atas adanya minimize/mitigate the risk of these challenges. tantangan tersebut. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 117
Page 118
Page 119
j u d u l
Page 120
Terus Bertumbuh dan Semakin Kukuh Sekilas Perekonomian Global dan Nasional Overview of the Global and National Economy Perekonomian global selama tahun 2022 mengalami The global economy during 2022 experienced various berbagai guncangan dan tantangan. Inflasi yang lebih shocks and challenges. Higher-than-expected and tinggi dari perkiraan dan persisten, kondisi keuangan persistent inflation, tighter financial conditions, Russia’s yang semakin ketat, perang Rusia melawan Ukraina unfinished war against Ukraine, the prolonged COVID-19 yang tak kunjung selesai, COVID-19 berkepanjangan, pandemic, and the supply-demand mismatch further serta ketidaksesuaian penawaran-permintaan semakin slowed the global economic outlook. memperlambat prospek ekonomi global. Dengan situasi dan kondisi seperti itu, IMF menahan Under such circumstances, the IMF is holding back its proyeksi pertumbuhan ekonomi global untuk periode projections for global economic growth for 2022 and 2022 dan 2023. Mengacu pada World Economic Outlook 2023. Referring to the World Economic Outlook released yang dirilis pertengahan Oktober, lembaga internasional in mid-October, the international institution states that the tersebut menyatakan outlook pertumbuhan ekonomi outlook for global economic growth is likely to slow down global kemungkinan melambat menjadi 3,2% pada 2022. to 3.2% in 2022. This projection remained as estimated in Proyeksi tersebut tidak berubah dari perkiraan pada Juli July 2022. Previously, in January 2022, economic growth 2022. Sebelumnya, pada Januari 2022, pertumbuhan 2022 was projected to reach 4.4%. ekonomi tahun 2022 sempat diproyeksikan mencapai 4,4%. Di tengah kondisi perekonomian global tahun 2022 yang The opposite is true for Indonesia in global economic diproyeksikan mengalami perlambatan, kondisi sebaliknya conditions, which are projected to experience a slowdown justru terjadi dengan Indonesia. Hingga triwulan IV tahun in 2022. Until the fourth quarter of 2022, Indonesia 2022, Indonesia mencatatkan pertumbuhan ekonomi recorded significant economic growth. According to the yang signifikan. Menurut Badan Pusat Statistik, ekonomi Central Statistics Agency, Indonesia’s economy in the Indonesia pada triwulan IV tahun 2022 terhadap triwulan IV fourth quarter of 2022, compared to the fourth quarter tahun 2021 mengalami pertumbuhan sebesar 5,01% (yoy). of 2021, grew by 5.01% (yoy). Existing data shows that Bahkan, data yang ada menunjukkan bahwa pertumbuhan economic growth in the third quarter of 2022 is getting ekonomi triwulan IV tahun 2022 semakin kuat dan stronger and heading towards recovery. Change, as menuju ke arah pemulihan. Pertumbuhan sebagaimana stated by BPS, is in line with the prediction of the official disampaikan BPS sejalan dengan prediksi otoritas resmi authority of the Ministry of Finance, which is 5.7% on an Kementerian Keuangan yaitu 5,7% secara tahunan, dan annual basis, and 4.7% - 5.5% according to Bank Indonesia 4,7% - 5,5% menurut proyeksi Bank Indonesia. projections. 120 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 121
Continue to Grow and Become Stronger
Kinerja Industri Perbankan Tahun 2022
Banking Industry Performance in 2022
Pertumbuhan ekonomi Indonesia disusun BPS berdasarkan Indonesia’s economic growth is compiled by BPS based on
tingkat pertumbuhan 17 lapangan usaha yang dilaporkan the growth rates of 17 business fields which are reported
setiap triwulan. Pada triwulan 3 tahun 2022, tercatat 16 quarterly. In the third quarter of 2022, 16 business fields
lapangan usaha mengalami pertumbuhan, termasuk experienced growth, including financial services. Meanwhile,
Jasa Keuangan. Adapun satu lapangan usaha, yaitu Jasa one business field, namely Health Services, experienced a
Kesehatan, mengalami kontraksi. contraction.
Pertumbuhan industri jasa keuangan dikukuhkan oleh OJK. The OJK confirmed the growth of the financial services
Hingga September 2022, kinerja intermediasi industri jasa industry. Until September 2022, the intermediation
keuangan melanjutkan tren positif seiring masih positifnya performance of the financial services industry continued
kinerja eksternal sebagai dampak tingginya harga komoditas a positive trend in line with positive external performance
dan terkendalinya pandemi domestik. Penyaluran kredit due to high commodity prices and the controlled domestic
perbankan tercatat tumbuh 11,00% yoy (Juni 2022: 10,66% pandemic. Bank credit distribution grew by 11.00% yoy (June
yoy). Piutang pembiayaan juga melanjutkan tren perbaikan 2022: 10.66% yoy). Financing receivables also continued the
dan tumbuh positif sebesar 10,68% yoy (Juni 2022: 5,63% improving trend and grew positively by 10.68% yoy (June
yoy). Outstanding penyaluran pinjaman fintech tercatat 2022: 5.63% yoy). Outstanding distribution fintech loans
tumbuh sebesar 77,33% yoy menjadi Rp48,74 triliun, relatif were recorded to have increased by 77.33% yoy to IDR48.74
menurun dari pertumbuhan Maret 2022 89,67% yoy. trillion, relatively decreased from March 2022 growth of
89.67% yoy.
Dari sisi penghimpunan dana dari masyarakat, kinerja Regarding fundraising from the public, the fundraising
penghimpunan dana terpantau cukup baik. Dana Pihak performance was quite good. As of September 2022, Third
Ketiga (DPK) per September 2022 tumbuh sebesar 6,77% Party Funds (DPK) grew by 6.77% yoy (June 2022: 9.13%
yoy (Juni 2022: 9,13% yoy). OJK juga mencatat bahwa daya yoy). OJK also noted that the resilience of the financial
tahan sektor jasa keuangan terhadap potensi peningkatan services sector to potential increases in future risks is
risiko ke depan dinilai masih cukup baik dengan profil risiko considered to be quite good, with a maintained risk profile
yang terjaga pada level yang manageable. Hal ini ditunjukkan at a manageable level. This is indicated by the capital of
oleh permodalan lembaga jasa keuangan sampai saat ini financial service institutions is still at a higher level. Despite
masih pada tingkat yang lebih tinggi. Meskipun mengalami experiencing a slight decrease, the Capital Adequacy Ratio
sedikit penurunan, Capital Adequacy Ratio (CAR) perbankan, (CAR) of banking, the Risk-Based Capital (RBC) of insurance
Risk-Based Capital (RBC) perasuransian, dan gearing companies, and the gearing ratio of finance companies are
ratio perusahaan pembiayaan masih jauh berada di atas still well above the minimum requirement. Banking CAR as
ketentuan minimum. CAR perbankan per September 2022 of September 2022 was recorded at 25.09%.
tercatat sebesar 25,09%
Sementara itu, dari sisi risiko kredit, rasio Non-Performing Meanwhile, from a credit risk perspective, the gross and net
Loan (NPL) gross dan net perbankan dalam tren menurun, banking Non-Performing Loan (NPL) ratios are on a
per September 2022 terpantau masing-masing sebesar downward trend; as of September 2022, it was observed
2,86% dan 0,80% (Juni 2022: 2,86% dan 0,80%). Rasio at 2.86% and 0.80%, respectively (June 2022: 2.86% and
NPL ini berada di bawah ketentuan maksimum yang telah 0.80%). This NPL ratio is below the maximum requirement
ditetapkan dan masih berada pada level yang masih terjaga. that has been set and is still at a level that is still maintained.
Berdasarkan berbagai parameter di atas, secara umum, OJK Based on the various parameters above, OJK concluded that
menyimpulkan bahwa stabilitas sistem keuangan Indonesia the stability of the Indonesian financial system in September
pada September 2022 tetap terjaga dengan kinerja sektor 2022 would be maintained with the increasingly solid
keuangan nasional yang semakin solid. Kondisi itu turut performance of the national financial sector. This condition
berkontribusi terhadap terus berlanjutnya pemulihan has contributed to the continued economic recovery of the
ekonomi di Tanah Air. country.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 121
Page 122
Terus Bertumbuh dan Semakin Kukuh
Inisiatif dan Kebijakan Strategis Bank Tahun 2022
Bank Strategic Initiatives and Policies for 2022
Bank Artha Graha Internasional sebagai bagian dari Bank Artha Graha Internasional, as part of the actors in
pelaku sektor jasa keuangan turut terdampak positif atas the financial services sector, has also positively impacted
pertumbuhan ekonomi Indonesia yang berkelanjutan Indonesia’s sustainable economic growth in 2022. This is
pada tahun 2022. Hal itu ditunjukkan dengan adanya tren indicated by the trend of increasing economic performance
peningkatan kinerja ekonomi sebagaimana disampaikan as presented in the financial reports for the reporting year,
dalam laporan keuangan tahun pelaporan yang telah which a Public Accounting Firm has audited.
diaudit oleh Kantor Akuntan Publik.
Pencapaian tersebut tidak lepas dari ketepatan inisiatif This achievement is inseparable from the accuracy of
dan kebijakan strategis yang ditetapkan Bank untuk strategic initiatives and policies set by the Bank to achieve
mewujudkan target dan kinerja terbaik dalam Rencana the best targets and performance in the 2022 Bank
Bisnis Bank (RBB) Tahun 2022. Rencana tersebut disusun Business Plan (RBB). The plan was developed based on
berdasarkan evaluasi atas kondisi perekonomian Indonesia an evaluation of Indonesia’s economic conditions in 2021
tahun 2021 dan prediksi dari berbagai lembaga nasional and optimistic predictions from various national and
dan internasional terhadap perekonomian tahun 2022 international institutions for the economy in 2022.
yang bernada optimis.
Adapun inisiatif dan kebijakan strategis tahun 2022 The strategic initiatives and policies for 2022 that support
yang menopang pertumbuhan bisnis Bank selama tahun the Bank’s business growth during the reporting year are
pelaporan adalah sebagai berikut: as follows:
a. Pengembangan bisnis ke arah digital banking a. Business development towards digital banking
mengingat banyaknya keterbatasan human capital di considering the many limitations of human capital in
frontliners, biaya operasional yang tinggi, pergeseran front liners, high operational costs, shifting payment
transaksi pembayaran dari offline menjadi online, transactions from offline to online, and the importance
pentingnya kolaborasi dengan perusahaan Fintech dan of collaboration with Fintech and e-Commerce
e-Commerce untuk pendanaan dan juga pembiayaan companies for funding and financing the micro and
sektor mikro dan UKM. SME sector.
b. Melakukan cross selling dan value chain financing b. Conducting cross-selling and value chain financing with
dengan jaringan usaha yang dimiliki Artha Graha business networks owned by Artha Graha Network
Network dan nasabah/debitur existing guna and existing customers/debtors to increase the Bank’s
menambah customer base Bank. Intensifikasi bisnis customer base. Business intensification uses a low-risk
menggunakan sistem closed loop yang berisiko closed loop system, considering the sizeable retail
rendah, melihat besarnya peluang pasar ritel di 2030. market opportunity in 2030.
c. Penambahan fee based income melalui provisi komisi, c. Additional fee-based income through commission
transactional banking, bill payment, penjualan produk fees, transactional banking, bill payments, sales of
investasi milik pihak ketiga dan juga kolaborasi dengan investment products belonging to third parties, and
perusahaan Fintech Payment & e-Commerce. collaboration with Fintech Payment & e-Commerce
companies.
d. Fokus pada pendanaan berbasis mobile yang d. Focus on mobile-based funding connected to
terhubung dengan e-Commerce, fintech, bill e-Commerce, Fintech, bill aggregators, and merchants.
aggregator dan merchant. Produk pendanaan seperti Funding products such as savings, investment
tabungan, produk investasi, e-Money, dan lain-lain. products, e-Money, and others.
122 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 123
Continue to Grow and Become Stronger Untuk mendukung inisiatif dan kebijakan strategis di atas, To support the above strategic initiatives and policies, the Bank juga berkolaborasi dengan berbagai pihak ketiga Bank collaborates with various technology-based third yang berbasis teknologi guna melakukan ekspansi bisnis, parties to expand the business, including new customers baik itu new customer maupun transaksional. Aktivitas and transactions. Business cooperation activities are kerja sama bisnis juga didukung oleh pengembangan also supported by the development of a more diverse metode pembayaran yang lebih beragam untuk dapat payment method to be used by bank customers in making digunakan oleh nasabah bank dalam bertransaksi transactions with channel partners. In this case, developing di channel mitra. Dalam hal ini, pengembangan produk Open API (Application Programming Interface) products is Open API (Application Programming Interface) menjadi an alternative to make collaboration easier with business alternatif agar lebih mudah berkolaborasi dengan partners. In line with that, the Bank also standardized the mitra bisnis. Selaras dengan itu, Bank juga melakukan Open Banking API through BI SNAP to comply with the standarisasi Open Banking API melalui BI SNAP agar rules set by Bank Indonesia. The development of digital sesuai dengan kaidah yang telah ditentukan oleh Bank lending is also a strategic step for the Bank, especially Indonesia. Pengembangan digital lending juga merupakan for digital ecosystems, to increase the Bank’s lending langkah strategis Bank, khususnya untuk ekosistem digital portfolio. guna meningkatkan portofolio lending Bank. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 123
Page 124
Terus Bertumbuh dan Semakin Kukuh
Kinerja Ekonomi Bank Tahun 2022
Bank Economic Performance in 2022
Bank menyadari bahwa keberhasilan pelaksanaan inisiatif Bank’s realizes that the successful implementation
dan kebijakan strategis, termasuk pencapaian target RBB of strategic initiatives and policies, including the
tahun 2022, sangat dipengaruhi oleh dukungan dari para achievement of RBB target in the 2022, greatly influenced
pemangku kepentingan, baik internal maupun eksternal. by the support of stakeholders, both internal and
Oleh karena itu, Bank secara berkala melakukan sosialisasi external. Therefore, the Bank regularly disseminates
berbagai kebijakan dan inisiatif strategis tersebut. Kepada these various policies and strategic initiatives. For internal
pemangku kepentingan internal, Bank memanfaatkan stakeholders, Banks take advantage of various media
berbagai media dan kesempatan, termasuk saat and opportunities, including when management holds
manajemen melakukan rapat yang terjadwal maupun scheduled meetings and other incidental meetings.
pertemuan-pertemuan lain yang bersifat insidental. Meanwhile, outreach to external stakeholders, such as the
Sementara itu, sosialisasi kepada pemangku kepentingan government, regulators, partners, suppliers, and other
eksternal, seperti pemerintah, regulator, mitra, pemasok, external stakeholders is carried out through sending RBB
dan pemangku kepentingan eksternal yang lain dilakukan 2022 documents, publishing information disclosure, press
melalui pengiriman dokumen RBB tahun 2022, penerbitan releases, information on websites, as well as through
keterbukaan informasi, press release, informasi various activities organized held by Bank.
di situs/website, serta melalui berbagai kegiatan yang
diselenggarakan Bank.
Selaras dengan sosialisasi yang dilakukan di atas, In line with the socialization carried out above,
manajemen dengan dukungan karyawan menerapkan management, with the support of employees, implements
inisiatif dan kebijakan strategis tersebut secara konsisten. these strategic initiatives and policies consistently. Its
Pelaksanaannya terus dipantau dan dievaluasi sehingga implementation is continuously monitored and evaluated
Bank bisa menentukan solusi terbaik apabila ditemukan so the Bank can determine the best solution if deviations
deviasi atau hambatan di lapangan. Komitmen dan or obstacles are found in the field. This commitment
kesungguhan tersebut bermuara dengan pencapaian and seriousness led to the Bank’s positive performance
kinerja positif Bank pada tahun 2022. Selain lebih baik achievement in 2022. Apart from being better than the
dibanding pencapaian tahun sebelumnya, Bank juga previous year’s achievements, the Bank also succeeded
berhasil mewujudkan target-target kinerja dalam RBB in realizing the performance targets in the 2022 RBB as
tahun 2022 sebagai berikut: [GRI 3-3] [OJK F.2] follows: [GRI 3-3] [OJK F.2]
2022 2021 2020
Deskripsi
Realisasi Target Realisasi Target Realisasi Target
Description % % %
Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
LAPORAN POSISI KEUANGAN
STATEMENT OF FINANCIAL POSITION
Total Aset
25.437.633 28.018.791 90,79% 26.127.820 26.822.619 97,41% 30.526.965 24.818.767 123,00%
Total Assets
Aset Produktif
18.441.333 21.230.738 86,86% 17.883.047 20.706.085 86,37% 16.217.912 19.415.497 83,53%
Earning Assets
Kredit/Pembiayaan Bank
10.229.770 13.403.756 76,32% 11.479.972 12.677.041 90,56% 12.442.514 12.301.602 101,15%
Bank Loans/Financing
Dana Pihak Ketiga
20.325.078 22.598.394 134,19% 21.005.956 21.520.000 97,61% 25.500.329 20.175.956 126,39%
Third-Party Funds
Pendapatan Operasional
1.609.098 1.755.285 91,67% 1.840.751 1.816.055 101,36% 1.803.901 2.271.683 79,41%
Operating Income
124 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 125
Continue to Grow and Become Stronger
2022 2021 2020
Deskripsi
Realisasi Target Realisasi Target Realisasi Target
Description % % %
Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
Beban Operasional
1.546.087 1.640.320 94,26% 2.044.662 1.764.692 115,87% 1.761.025 2.231.721 78,91%
Operating Expenses
Laba Bersih
54.997 115.679 47,54% (168.063) 48.148 (349,05%) 21.371 20.158 106,02%
Net Income
RASIO KINERJA
PERFORMANCE RATIO
Rasio Kecukupan Modal
Minimum (KPMM)
23,31% 24,36% (1,05%) 21,77% 20,89% 0,88% 16,37% 17,68% (1,31%)
Minimum Capital Adequacy
Ratio (KPMM)
Aset Produktif Bermasalah dan
Aset Non-Produktif Bermasalah
Terhadap Total Aset Produktif
dan Aset Non-Produktif
Non-Performing Earning 6,51% 6,01% 0,50% 8,57% 9,12% (0,55%) 6,43% 8,29% (1,86%)
Assets and Non-Performing
Non-Earning Assets to Total
Earning Assets and Non-
Earning Assets
Aset Produktif Bermasalah
Terhadap Total Aset Produktif
1,55% 2,07% (0,52%) 1,95% 3,00% (1,05%) 2,38% 3,06% (0,68%)
Non-Performing Earning Assets
to Total Earning Assets
Cadangan Kerugian Penurunan
Nilai (CKPN) Aset Keuangan
terhadap Aset Produktif
2,93% 3,06% (0,13%) 3,33% 2,55% 0,78% 1,92% 4,87% (2,95%)
Allowance for Impairment
Losses (CKPN) on Financial
Assets Against Product Assets
NPL Gross
2,73% 3,66% (0,93%) 3,39% 4,89% (1,50%) 4,58% 4,80% (0,22%)
Gross NPL
NPL Neto
0,41% 1,19% (0,78%) 0,32% 2,96% (2,64%) 3,14% 1,85% 1,29%
Net NPL
Return on Asset (ROA)
0,25% 0,43% (0,18%) (0,73%) 0,17% (0,90%) 0,11% 0,10% 0,01%
Return on Assets (ROA)
Return on Equity (ROE)
1,63% 3,15% (1,52%) (6,02%) 1,76% (7,78%) 0,81% 0,76% 0,05%
Return on Equity (ROE)
Net Interest Margin (NIM)
4,79% 4,00% 0,79% 3,62% 3,23% 0,39% 2,99% 3,62% (0,63%)
Net Interest Margin (NIM)
Beban Operasional terhadap
Pendapatan Operasional
(BOPO) 96,26% 93,45% 2,81% 111,09% 97,17% 13,92% 97,75% 98,22% (0,47%)
Operating Expenses to
Operating Income (BOPO)
Loan to Deposit Ratio (LDR)
50,33% 59,31% (8,98%) 54,65% 58,91% (4,26%) 48,79% 60,97% (12,18%)
Loan to Deposit Ratio (LDR)
Sesuai tabel di atas, implementasi inisiatif dan kebijakan According to the table above, the implementation of
strategis selama tahun pelaporan sudah berjalan optimal. strategic initiatives and policies during the reporting year
Hal itu dipengaruhi diperolehnya laba bersih pada tahun has optimally. It is influenced by obtained a net profit in
2022 sebesar Rp54,99 miliar. [FN-CB-240a.2] 2022 of IDR54.99 billion. [FN-CB-240a.2]
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 125
Page 126
Terus Bertumbuh dan Semakin Kukuh
Distribusi Nilai Ekonomi
Distribution of Economic Value
Berdasarkan kinerja ekonomi di atas, maka distribusi Based on the economic performance above, the
nilai ekonomi Bank, yaitu nilai ekonomi langsung yang distribution of the Bank’s economic value, namely the
dihasilkan, nilai ekonomi yang didistribusikan, dan nilai direct economic value generated, the monetary value
ekonomi yang ditahan, dapat dihitung. Nilai ekonomi distributed, and the economic value retained, can be
langsung yang dihasilkan adalah sejumlah pendapatan calculated. The immediate economic value generated
yang diperoleh dari hasil kegiatan bisnis Bank. Sedangkan is the amount of income derived from the results of the
nilai ekonomi yang didistribusikan merupakan sejumlah Bank’s business activities. At the same time, the monetary
pengeluaran yang didistribusikan sebagai bentuk value distributed is several expenses distributed as a
kontribusi Bank dalam meningkatkan laju pertumbuhan form of the Bank’s contribution to increasing the rate of
ekonomi dan kesejahteraan para pemangku kepentingan, economic growth and welfare of stakeholders, such as
seperti pembayaran gaji, pajak, dividen, pembayaran payment of salaries, taxes, dividends, gains to suppliers,
untuk pemasok, maupun realisasi dana untuk masyarakat as well as the realization of funds for the community as
sebagai salah satu bentuk perwujudan Tanggung Jawab a form of Social Responsibility and Environment (TJSL),
Sosial dan Lingkungan (TJSL), yang diimplementasikan which is implemented through various Corporate Social
melalui berbagai program Corporate Social Safety Safety Responsibility (CSSR) programs. The retained
Responsibility (CSSR). Adapun nilai ekonomi yang ditahan economic value is the difference between the monetary
adalah selisih antara nilai ekonomi yang dihasilkan value generated minus the distributed economic value
dikurangi dengan nilai ekonomi yang didistribusikan, yang used to develop the Bank’s business. [GRI 3-3, 201-1]
digunakan untuk pengembangan usaha Bank.
[GRI 3-3, 201-1]
Tabel Distribusi Nilai Ekonomi (Rp Juta) Table of Distribution of Economic Value (IDR Million)
Deskripsi
KUBL (Kegiatan Usaha Berwawasan Lingkungan)
2022 2021 2020
Description (In million Rupiah)
KUBL (Environmental Based Bussiness Activities)
Nilai Ekonomi Langsung yang Diterima
Direct Economic Value Received
Pendapatan
1.625.474 1.855.824 1.808.520
Income
Nilai Ekonomi Langsung yang Didistribusikan
Distributed Direct Economic Value
Biaya Operasi
(429.677) (356.270) (357.932)
Operating Costs
Biaya Pegawai
(265.404) (240.331) (317.883)
Employee Costs
Dividen
- - -
Dividend
Pembayaran kepada Pemerintah (pajak, retribusi dll)
(129.478) (185.925) (243.008)
Payments to the Government (taxes, levies etc.)
Investasi Sosial (biaya TJSL/CSSR)
(6.744) (10.083) (8.132)
Social Investment (TJSL/CSSR costs)
Jumlah Nilai Ekonomi Langsung yang didistribusikan
(831.303) (792.609) (926.955)
Total Distributed Direct Economic Value
Nilai Ekonomi Langsung yang ditahan
794.171 1.063.215 881.565
Retained Direct Economic Value
126 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 127
Continue to Grow and Become Stronger
Sebagai bagian dari Lembaga Jasa Keuangan yang As part of the Financial Services Institutions that
ikut serta mendorong pembangunan berkelanjutan, participate in promoting sustainable development, the
Bank melakukan penyaluran pembiayaan terhadap Bank distributes financing to business activities that fall
kegiatan usaha yang masuk ke dalam Kategori Kegiatan into the Sustainable Business Activity Category (KKUB) by
Usaha Berkelanjutan (KKUB) sesuai dengan pasal 4 article 4 of POJK Green Bond, which explains 11 (eleven)
POJK Green Bond yang menjelaskan 11 (sebelas) Environmental Based Business Activities (KUBL). In
Kegiatan Usaha Berwawasan Lingkungan (KUBL). Selain addition to the 11 categories, 1 (one) type of sustainable
ke-11 kategori, ditambahkan 1 (satu) kategori kegiatan business activity is added, namely the category of
usaha berkelanjutan, yaitu kategori Usaha Mikro, Kecil, Micro, Small, and Medium Enterprises (MSMEs), as an
dan Menengah (UMKM) sebagai perwujudan prinsip embodiment of the principles of Sustainable Finance,
Keuangan Berkelanjutan, yaitu prinsip inklusif. Berikut namely the principle of inclusiveness. The following is
gambaran penyaluran pembiayaan Bank yang sejalan an overview of the Bank’s financing distribution that is
dengan penerapan Keuangan Berkelanjutan: in line with the implementation of Sustainable Finance:
[FN-CB-410a.1] [FN-CB-240a.3] [FN-CB-240a.4] [FN-CB-410a.1] [FN-CB-240a.3] [FN-CB-240a.4]
(dalam jutaan Rupiah)
(in million Rupiah)
Uraian/Tahun
2022 2021* 2020*
Description/Year
Jenis produk yang memenuhi kriteria kegiatan usaha berkelanjutan
Types of products that meet the criteria for sustainable business activities
a. Penghimpunan Dana
0 0 0
Fundraising
b. Penyaluran Dana
464.886 749.225 1.036.740
Distribution of Funds
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
a. Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan (Rp)
464.886 749.225 1.036.740
Total Credit/Financing for Sustainable Business Activities (IDR)
b. Total Non-Kredit/Non-Pembiayaan Kegiatan Usaha Berkelanjutan (Rp)
9.764.884 10.729.091 11.405.775
Total Non-Credit/Non-Financing for Sustainable Business Activities (IDR)
Persentase total kredit/pembiayaan kegiatan usaha berkelanjutan terhadap
total kredit/pembiayaan bank (%)
4,54 6,53 8,33
Percentage of total credit/financing of sustainable business activities to
total bank credit/financing (%)
*disajikan kembali. Sebagaimana data tahun 2022 yang hanya mencakup *represented. As the data for 2022 only includes the Financing of
Pembiayaan Kegiatan Usaha Berkelanjutan atas jenis produk/jasa yang Sustainable Business Activities for the types of products/services owned
dimiliki Bank, maka pembelian surat berharga yang memenuhi Kriteria by the Bank, purchases of securities that meet the Criteria for Sustainable
Kegiatan Usaha Berkelanjutan (KKUB) pada tahun 2021 dan 2020 tidak Business Activities (KKUB) in 2021 and 2020 are not included in this
dimasukkan dalam kriteria ini. criterion.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 127
Page 128
Terus Bertumbuh dan Semakin Kukuh
2022 2021 2020
Deskripsi Satuan
Realisasi Target Realisasi Target Realisasi Target
Description Unit % % %
Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
Kinerja Keuangan Inklusif
Inclusive Financial Performance
Penyaluran Kredit terhadap
UMKM Rp juta
399.980 1.162.224 34,42 682.188 1.093.526 62,38 969.752 1.019.367 95,13
Financing of Non-Sustainable IDR million
Business Activities
Perkembangan Laku Pandai
Development of Laku Pandai
a. Jumlah Agen
Unit 27 55 49 29 5 19 98 108 90
Number of Agents
b. Nominal Produk dan/atau
Jasa yang Disediakan oleh
Agen Rp juta
228,8 280 81 248,5 1.000 24 249,4 575 43
Nominal Product and/or IDR million
Service Provided by the
Agent
Jumlah Peserta Literasi
Keuangan Orang
522 280 186 518 250 200 533 575 92
Number of Financial Literacy Person
Participants
Dana Pihak Ketiga
Third-Party Funds
Dana Pihak Ketiga (DPK) Bank dihimpun dari masyarakat Bank Third Party Funds (DPK) are collected from the public
melalui produk-produk Dana Pihak Ketiga yang terdiri dari through Third Party Fund products consisting of savings,
tabungan, giro, dan deposito. Pada tahun 2022, terjadi current accounts, and time deposits. In 2022, there was a
penurunan terhadap Dana Pihak Ketiga Bank menjadi decrease in Bank Third Party Funds to IDR20,325 billion,
sebesar Rp20.325 miliar, turun Rp681 miliar atau 3,24% a decrease of IDR681 billion or 3.24% compared to 2021
dibanding tahun 2021 yang mencapai Rp21.006 miliar. which reached IDR21,006 billion. This decrease was due to
Penurunan ini disebabkan oleh menurunnya deposito a decrease in time deposits of IDR1,639 billion or 12.05%
sebesar Rp1.639 miliar atau 12,05%.
128 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 129
Continue to Grow and Become Stronger Kredit Berdasarkan Kategori Kegiatan Usaha Berkelanjutan [FN-CB-240a.1] [OJK F.3] Credit Based on Sustainable Business Activities Category [FN-CB-240a.1] [OJK F.3] Bank menyalurkan kredit berkelanjutan meliputi Banks disburses sustainable loans include financing that is pembiayaan yang termasuk dalam Kategori Kegiatan included in the Category of Sustainable Business Activities Usaha Berkelanjutan (KKUB) atau Kegiatan Usaha (KKUB) or Environmental Based Business Activities (KUBL) Berwawasan Lingkungan (KUBL) dan yang tidak termasuk and which are not included in KKUB/KUBL. In 2022, the dalam KKUB/KUBL. Pada tahun 2022, dukungan finansial Bank’s financial support for Environmental Based Business Bank terhadap Kegiatan Usaha Berwawasan Lingkungan Activities (KUBL) was Renewable Energy (KUBL 1), Energy (KUBL) adalah Energi Terbarukan (KUBL 1), Efisiensi Energi Efficiency (KUBL 2), and Green House (KUBL 10). (KUBL 2), dan Bangunan Hijau (KUBL 10). Sesuai dengan Rencana Aksi Keuangan Berkelanjutan By the 2022 Sustainable Finance Action Plan (RAKB), the (RAKB) Tahun 2022, Bank menargetkan pertumbuhan Bank is targeting growth in its financing portfolio and portofolio pembiayaan dan penempatan dana kepada placement of funds for sustainable businesses (KUBL 1 usaha berkelanjutan (KUBL 1 s/d 11) sebesar Rp11,7 to 11) of IDR11.7 billion, an increase of 10% compared miliar atau naik 10% dibanding tahun 2021. Sedangkan to 2021. Meanwhile, the UMKM portfolio is targeted portofolio UMKM ditargetkan meningkat sebesar Rp389,5 to increase by IDR389.5 billion. The Bank does not set miliar. Bank tidak menetapkan target berdasarkan KUBL targets based on KUBL in the reporting year considering pada tahun pelaporan mengingat dinamika yang sedang the ongoing dynamics, in addition to OJK’s plan to issue berlangsung, di samping ada rencana OJK menerbitkan a Green Taxonomy at the end of 2021. OJK officially Taksonomi Hijau pada akhir 2021. Taksonomi Hijau sendiri published the Green Taxonomy in mid-January 2022. In resmi diterbitkan OJK pada pertengahan Januari 2022. Green Taxonomy, OJK reviews 2,733 classifications of Dalam Taksonomi Hijau, OJK mengkaji 2.733 klasifikasi economic sectors and sub-sectors, of which the relevant sektor dan subsektor ekonomi, dimana 919 di antaranya ministries have confirmed 919. telah dikonfirmasi oleh kementerian terkait. Adapun target pembiayaan dan penempatan dana untuk The financing and fund placement target for KUBL 1 pembiayaan KUBL 1 s/d 11 pada tahun 2022 adalah to 11 in 2022 was IDR129 billion. As of December 31, sebesar Rp129 miliar. Per 31 Desember 2022, terealisasi 2022, IDR64.9 billion was realized or 50.3% of the target. sebesar Rp64,9 miliar atau 50,3% dari target. Adapun The financing target for MSMEs was allocated funds of target pembiayaan untuk UMKM dialokasikan dana IDR1,162.2 billion for 2022 and realized IDR399.9 billion or sebesar Rp1.162,2 miliar untuk tahun 2022, dan terealisasi 34.4% of the target. This was influenced by the The Bank sebesar Rp399,9 miliar atau 34,4% dari target. Hal ini has contributed both through financing and placement of dipengaruhi oleh Bank telah berkontribusi baik melalui funds in purchasing bonds to be distributed to MSMEs. pembiayaan maupun penempatan dana dalam pembelian obligasi untuk disalurkan kepada UMKM. Penyaluran pembiayaan sesuai KUBL selama tahun 2022 Distribution of financing according to KUBL for 2022 di antaranya sebagai berikut: includes the following: 1. Rp64,9 miliar (KUBL 1 s/d 11) 1. IDR64.9 billion (KUBL 1 to 11) 2. Rp399,9 miliar (KUBL 12/UMKM) 2. IDR399.9 billion (KUBL 12/MSMEs) PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 129
Page 130
Terus Bertumbuh dan Semakin Kukuh
Selain menyalurkan pembiayaan sesuai KKUB/KUBL, Apart from channeling financing according to KKUB/
sepanjang tahun 2022, Bank tidak menyalurkan KUBL, throughout 2022, the Bank will not distribute
pembiayaan terhadap kegiatan usaha yang tidak financing to business activities that do not meet the
memenuhi kriteria kegiatan usaha berkelanjutan, antara criteria for sustainable business activities, including:
lain:
1. Kegiatan yang melibatkan segala macam bentuk kerja 1. Activities involving all forms of forced labor/
paksa/eksploitasi pada anak di bawah usia 16 tahun; exploitation of children under the age of 16;
2. Operasi pembalakan komersial pada hutan basah 2. Commercial logging operations in tropical wet forests;
tropis;
3. Produksi dan perdagangan kayu atau produk 3. Production and trading of timber or other forestry
kehutanan lainnya dari hutan yang tidak dikelola products from forests that are not managed
secara lestari; sustainably;
4. Produksi atau kegiatan yang mengambil alih 4. Production or activities that take over ownership of
kepemilikan lahan dari masyarakat adat/penduduk land from indigenous peoples/indigenous people
asli tanpa persetujuan dari masyarakat/penduduk without the consent of said community/residents; and/
tersebut; dan/atau or
5. Produksi atau perdagangan produk atau kegiatan 5. Production or trade in illegal products or activities
ilegal berdasarkan peraturan Indonesia atau konvensi/ based on Indonesian regulations or international
kesepakatan internasional termasuk zat perusak conventions/agreements, including substances that
lapisan ozon, satwa liar atau produk yang diatur dalam deplete the ozone layer, wildlife, or products regulated
CITES2. in CITES2.
130 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 131
Continue to Grow and Become Stronger
Penyaluran Produk Usaha Mikro, Kecil dan
Menengah (UMKM)
Distribution of Micro, Small, and Medium Enterprises (MSMEs) Products
Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan Micro, Small, and Medium Enterprises (MSMEs) are
salah satu bagian penting dalam perekonomian essential to the Indonesian economy. MSMEs had proven
Indonesia. Bahkan, UMKM terbukti memiliki daya tahan to have better resilience when Indonesia experienced an
yang lebih baik saat Indonesia mengalami krisis ekonomi. economic crisis. More than that, the existence of MSMEs
Lebih dari itu, keberadaan UMKM telah berperan sebagai has played a role as the main actors of economic activity,
pelaku utama kegiatan ekonomi, penyedia kesempatan providers of employment opportunities, and drivers of the
kerja dan penggerak ekonomi daerah serta masyarakat. regional economy and society. For this reason, the Bank
Untuk itu, Bank berkomitmen meningkatkan penyaluran is committed to increasing the distribution of financing/
pembiayaan/pembiayaan untuk sektor UMKM. financing for the MSMEs sector.
Per 31 Desember 2022, dari total pinjaman yang diberikan As of 31 December 2022, out of the total loans provided
Bank, tercatat sebesar Rp399,98 miliar disalurkan kepada by the Bank, IDR399.98 billion was disbursed to MSMEs.
UMKM. Jumlah itu adalah 3,91% dari total kredit yang That amount is 3.91% of the total loans provided by the
diberikan Bank. Rinciannya, sebanyak Rp378,40 miliar Bank. In detail, as much as IDR378.40 billion or 3.70% was
atau 3,70% disalurkan kepada pelaku usaha menengah, distributed to medium business actors, IDR21.27 billion
Rp21,27 miliar atau 0,21% disalurkan kepada pelaku usaha or 0.21% was distributed to small business actors, and
kecil, dan Rp312 juta atau 0,003% disalurkan kepada IDR312 million or 0.003% was distributed to micro actors.
pelaku mikro. Sementara itu, terkait program/kategori Meanwhile, regarding the People’s Business Credit (KUR)
Kredit Usaha Rakyat (KUR), sampai dengan akhir tahun program/category, until the end of 2022, an outstanding
2022, tercatat outstanding sebesar Rp542 juta. amount of IDR542 million was recorded.
Kontribusi kepada Pembangunan Infrastruktur
di Indonesia
Contribution to Infrastructure Development in Indonesia
Bank turut berkontribusi dalam pembangunan infrastruktur The Bank contributes to infrastructure development in
di Indonesia melalui pembiayaan proyek-proyek sebagai Indonesia by financing the following projects:
berikut:
Proyek Jumlah (Rp juta) Wilayah Proyek
Project Total (IDR million) Project Area
Palapa Ring Paket Timur NTT, Maluku, Papua dan Papua Barat
147.561
Palapa Ring East Packet NTT, Maluku, Papua and West Papua
Pembangunan Ruas Tol Pemalang - Batang Pemalang – Batang (Jawa Tengah)
203.477
Construction of the Pemalang - Batang Toll Road Pemalang – Batang (Central Java)
Jumlah
351.038
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 131
Page 132
Terus Bertumbuh dan Semakin Kukuh
Portofolio Produk dengan Manfaat Sosial
Product Portfolio with Social Benefits
Bank turut berkontribusi untuk mengatasi backlog The Bank contributes to overcoming the housing backlog
perumahan di Indonesia dengan membuka akses, in Indonesia by opening access, especially for Low-Income
khususnya kepada Masyarakat Berpenghasilan Rendah Communities (MBR), to own the house they dream of
(MBR) untuk dapat memiliki rumah yang mereka through the KPR Housing Financing Liquidity Facility or
impikan, melalui KPR Fasilitas Likuiditas Pembiayaan FLPP. In practice, this program is implemented by the
Perumahan atau FLPP. Dalam pelaksanaannya, program Minister for Public Works and Human Settlements. The
ini dilaksanakan oleh Kementerian Pekerjaan Umum dan government took this policy as a form of assistance and
Perumahan Rakyat. Kebijakan ini diambil pemerintah equal distribution of home ownership. FLPP mortgages are
sebagai bentuk bantuan dan pemerataan kepemilikan equipped with more accessible payment terms than non-
rumah. KPR FLPP dilengkapi dengan syarat pembayaran subsidized mortgages. FLPP KPR provides convenience
yang lebih mudah dibanding KPR non-subsidi. KPR FLPP with a reasonably long tenor, low installments, and other
memberikan kemudahan dengan masa tenor yang cukup fee relief.
panjang, angsuran rendah, dan keringanan iuran lainnya.
Selama tahun 2022, Bank tidak menyalurkan Kredit During 2022, the Bank did not distribute Home Ownership
Pemilikan Rumah (KPR) dalam bentuk Fasilitas Likuiditas Loans (KPR) in the form of the Housing Financing Liquidity
Pembiayaan Perumahan (FLPP) dikarenakan kondisi Facility (FLPP) due to macroeconomic conditions as a
perekonomian secara makro akibat pandemi yang result of the ongoing pandemic, so the bank is prudent
sedang berlangsung, sehingga bank cukup prudent in channeling new loans, considering that there are still
dalam penyaluran kredit baru, mengingat masih adanya several economic sectors that are still affected, and also
beberapa sektor ekonomi yang masih terdampak, dan the credit guarantee policy has not been harmonized in
juga belum selarasnya kebijakan penjaminan kredit dalam mitigating the distribution above.
melakukan mitigasi atas penyaluran tersebut di atas.
(dalam miliar Rupiah)
(in billion Rupiah)
Total Penghimpunan Dana/Penyaluran Pembiayaan
Jenis Produk Sasaran Total Fund Collection/ Financing Disbursement
Type of Products Target
2022 2021 2020
MBR dan Belum memiliki Rumah
KPR FLPP 0 111,90 225,9
MBR and Homeless
Nominal FLPP (Rp miliar)
Wilayah FLPP FLPP Nominal (IDR billion)
FLPP Region
2022 2021
Jawa
0 23,31
Java
Kalimantan
0 50,19
Borneo
Kepulauan Riau
0 7,45
Riau Islands
Sulawesi
0 19,92
Sulawesi
Sumatra
0 11,03
Sumatra
Jumlah
0 111,90
Total
132 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 133
Continue to Grow and Become Stronger Kontribusi kepada Negara Contribution to the State Pembayaran pajak kepada Pemerintah merupakan wujud Payment of taxes to the Government is a concrete nyata Bank dalam mendukung kegiatan pembangunan manifestation of the Bank in supporting development di Indonesia. Pada tahun 2022, total pembayaran pajak activities in Indonesia. In 2022, the total payment of dan retribusi Bank tercatat sebesar Rp129,15 miliar, turun bank taxes and levies was recorded at IDR129.15 billion, dibandingkan tahun 2021, yang mencapai Rp185,92 decrease compared to 2021, which reached IDR185.92 miliar. billion. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 133
Page 134
Terus Bertumbuh dan Semakin Kukuh 134 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 135
j u d u l
Page 136
Berkontribusi Maksimal untuk
Pemberdayaan Masyarakat
Berkontribusi Maksimal Untuk Pemberdayaan
Masyarakat [413-1] [OJK F.25]
Maximum Contribution to Community Empowerment [413-1] [OJK F.25]
Masyarakat di sekitar Bank Artha Graha Internasional The community around which Bank Artha Graha
beroperasi merupakan salah satu pemangku kepentingan Internasional operates is one of the main stakeholders.
utama. Dukungan mereka terhadap keberadaan Bank Their support for the existence of the Bank also determines
turut menentukan keberlangsungan dan masa depan the sustainability and future of the company. Concrete
perusahaan. Langkah nyata yang dilakukan Bank untuk steps taken by the Bank to gain community support
mendapatkan dukungan masyarakat antara lain dengan include optimizing the positive impact of the company’s
mengoptimalkan dampak positif kehadiran perusahaan. presence. These positive impacts include the Bank
Dampak positif tersebut antara lain Bank membuka opening employment opportunities and opportunities to
lapangan kerja serta membuka kesempatan menjadi become partners/suppliers of goods and services.
mitra/pemasok barang dan jasa.
Komitmen Bank untuk memberikan manfaat kepada The Bank’s commitment to providing benefits to the
masyarakat juga diwujudkan melalui penyelenggaraan community is also realized through implementing various
berbagai program Tanggung Jawab Sosial dan Social and Environmental Responsibility (TJSL) programs,
Lingkungan (TJSL), sebagaimana diatur dalam Undang- as stipulated in Law No. 40 of 2007 concerning Limited
Undang No. 40 Tahun 2007 tentang Perseroan Liability Companies. To implement TJSL, the Bank has
Terbatas. Untuk mengimplementasikan TJSL, Bank telah prepared various Corporate Social Safety Responsibility
menyusun berbagai program Corporate Social Safety (CSSR) programs. Providing employment opportunities,
Responsibility (CSSR). Penyediaan lapangan kerja, opening opportunities to become partners/suppliers
membuka peluang menjadi mitra/pemasok barang dan of goods and services, and organizing multiple CSSR
jasa, serta menyelenggarakan berbagai program CSSR programs are the Bank’s efforts to fulfill its responsibilities
merupakan upaya Bank untuk memenuhi tanggung to society. Through these various efforts, the Bank is
jawab terhadap masyarakat. Melalui berbagai upaya optimistic that it will gain public support and trust to
tersebut, Bank optimistis akan mampu meraih dukungan sustain its business operations.
dan kepercayaan masyarakat sehingga operasional
usahanya berkelanjutan.
Selama tahun 2022, Bank mengeluarkan dana CSSR During 2022, the Bank disbursed CSSR funds of IDR6.74
sebesar Rp6,74 miliar, turun dibandingkan tahun 2021, billion, a decrease compared to 2021, which reached
yang mencapai Rp10,08 miliar. Dalam pelaksanaannya, IDR10.08 billion. In practice, the Bank appoints a
Bank menunjuk Corporate Secretary sebagai penanggung Corporate Secretary as the person in charge of CSSR
jawab kegiatan CSSR. activities.
136 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 137
Maximum Contribution
to Community Empowerment
Tujuan Penerapan CSSR
Purpose of Implementing CSSR
Pelaksanaan CSSR Bank Artha Graha Internasional yang The implementation of Bank Artha Graha Internasional
terarah, terprogram, dan tepat sasaran ditujukan untuk: CSSR, which is directed, programmed, and right on
target, is aimed to:
1. Meningkatkan kualitas kehidupan dan lingkungan 1. Improving the quality of life and the environment
yang bermanfaat dan kondusif bagi Bank, komunitas that is beneficial and conducive to the Bank, the local
setempat, dan masyarakat pada umumnya; community, and society in general;
2. Mendukung terjalinnya hubungan Bank yang serasi, 2. Supporting the establishment of harmonious,
seimbang, dan sesuai dengan lingkungan, nilai, norma, balanced, and accordance with the environment,
dan budaya masyarakat setempat; values, norms, and culture of the local community;
3. Memberikan manfaat jangka panjang sebesar- 3. Providing maximum long-term benefits for the welfare
besarnya terhadap kesejahteraan masyarakat; of society;
4. Merupakan wujud nyata kepedulian Bank dalam 4. Is a concrete manifestation of the Bank’s concern
melaksanakan salah satu fungsi, yaitu sebagai agen in carrying out one of its functions, namely as a
pengembangan, yang merupakan bagian dalam development agent, which is part of creating a sound
penciptaan sistem tata kelola Bank yang baik; dan Bank governance system; and
5. Tercapainya Visi dan Misi serta Nilai-Nilai Bank. 5. Achievement of the Bank’s Vision, Mission, and Values.
Metode Program CSSR
CSSR Programming Method
Bank Artha Graha Internasional merancang dan Bank Artha Graha Internasional designs and implements
melaksanakan program CSSR secara sistematis dan the CSSR program in a systematic and integrated manner.
terpadu. Pelaksanaan CSSR dilakukan dengan metode The implementation of CSSR is carried out using a
partisipatif, yaitu dengan memberdayakan potensi participatory method, namely by empowering existing
daerah yang ada agar dapat meningkatkan kemampuan, regional potentials so that they can sustainably increase
penghasilan, dan kesejahteraan masyarakat secara the capacity, income, and welfare of the community.
berkelanjutan. [GRI 3-3] [GRI 3-3]
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 137
Page 138
Berkontribusi Maksimal untuk
Pemberdayaan Masyarakat
Pelaksanaan Kegiatan
Implementation of Activities
Pelaksanaan CSSR Bank Artha Graha Internasional One of the implementations of Bank Artha Graha
salah satunya diimplementasikan melalui program Internasional CSSR is through the Community Involvement
pelibatan dan pengembangan masyarakat (Community and Development (CID) program, which aims to create
Involvement and Development/CID) yang bertujuan untuk an independent and thriving community. Furthermore,
mewujudkan masyarakat yang mandiri dan berkembang. referring to the Financial Services Authority Circular Letter
Selanjutnya, merujuk Surat Edaran Otoritas Jasa Keuangan of the Republic of Indonesia No. 16/SEOJK.04/2021
Republik Indonesia No. 16/SEOJK.04/2021 tentang concerning the Form and Content of Annual Reports of
Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Issuers or Public Companies as technical guidelines for
Publik sebagai pedoman teknis pelaksanaan POJK the implementation of POJK Sustainable Finance, these
Keuangan Berkelanjutan, kegiatan TJSL tersebut perlu TJSL activities need to be linked to the 17 (seventeen)
dikaitkan dengan 17 (tujuh belas) Tujuan Pembangunan Sustainable Development Goals (SDGs) in Indonesia.
Berkelanjutan/TPB (Sustainable Development Goals/ Following these guidelines, the complete CSSR activities
SDGs) di Indonesia. Sesuai dengan panduan tersebut, for the community and their links with SDGs during 2022
kegiatan CSSR sosial masyarakat beserta tautannya are as follows: [GRI 413-1]
dengan TPB selengkapnya selama tahun 2022 adalah
sebagai berikut: [GRI 413-1]
Tabel Pelaksanaan TJSL/CSSR dan Tautannya dengan TPB Table of TJSL/CSSR Implementation and its Links to the SDGs
Tahun 2022 of 2022
Tanggal & Kesesuaian
Bulan Lokasi Kegiatan Jenis/Nama Kegiatan dengan TPB
No.
Date & Activities Location Type/Name Activities Compliance
Month with SDGs
Kabupaten Pasaman & Kabupaten Pasaman Barat,
5 Maret 2022 Bantuan untuk korban Gempa Bumi TPB ke-2, ke-3
1 Sumatra Barat
March 5, 2022 Donations for earthquake victims 2nd, 3rd SDGs
Pasaman Regency & West Pasaman, West Sumatra
Seluruh Cabang Bank Artha Graha Internasional Kampanye melalui media sosial TikTok, terkait
26 Maret 2022 di Indonesia hemat energi dalam rangka Earth Hour TPB ke-7, ke-13
2
March 26, 2022 All Branches of Bank Artha Graha Internasional in Campaign through social media TikTok, related 7th, 13th SDGs
Indonesia to saving energy in the context of Earth Hour
Seluruh Cabang Bank Artha Graha Internasional
17 April 2022 di Indonesia Kegiatan Pasar Murah Ramadhan TPB ke-2
3
April 17, 2022 All Branches of Bank Artha Graha Internasional in Ramadhan Pasar Murah Activities 2nd SDGs
Indonesia
Pembuatan Gazebo sebagai tempat
TPB ke-4, ke-9,
27 April 2022 Buntet Pesantren berkumpul para Kiai, Santri dan Tamu
4 ke-16
April 27, 2022 Buntet Islamic Boarding School Gazebo making as a gathering place for Kiai,
4th, 9th, 16th SDGs
Santri and Guests
Mesjid Istiqlal Jakarta & Buntet Pesantren Cirebon
11 Juli 2022 Sumbangan untuk hewan qurban (Idul Adha) TPB ke-2
5 Jakarta Istiqlal Mosque & Buntet Cirebon Islamic
July 11, 2022 Donations for Sacrificial Animals (Eid al-Adha) 2nd SDGs
Boarding School
138 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 139
Maximum Contribution
to Community Empowerment
Tanggal & Kesesuaian
Bulan Lokasi Kegiatan Jenis/Nama Kegiatan dengan TPB
No.
Date & Activities Location Type/Name Activities Compliance
Month with SDGs
Bantuan sarana dan prasarana pertanian untuk
Kelompok Tani Sumber Martani, Kelurahan Sumber, TPB ke-1, ke-2,
pengembangan budidaya sayur dan buah
20 Juli 2022 Kecamatan Banjarsari Kota Surakarta ke-8, ke-12
6 Assistance with agricultural facilities and
July 20, 2022 Tani Sumber Martani Group, Sumber Village, 1st, 2nd, 8th, 12th
infrastructure for the development of
Banjarsari District, Surakarta City SDGs
vegetable and fruit cultivation
Cabang Bank Artha Graha Internasional di Jakarta,
7 September Medan, Samarinda, Makassar, Denpasar, Ambon Donor Darah dalam rangka HUT BAGI ke-49
2022 dan Kupang tahun TPB ke-3
7
September 7, Bank Artha Graha Internasional branches in Jakarta, Blood Donation in the context of 49th BAGI 3rd SDGs
2022 Medan, Samarinda, Makassar, Denpasar, Ambon Anniversary
and Kupang
Cabang Bank Artha Graha Internasional di
Bantuan sembako gratis kepada masyarakat
9 September Jabodetabekar, Bandung, Solo, Ambon, Kupang
yang tidak mampu akibat dampak kenaikan
2022 dan Kendari TPB ke-2
8 harga BBM
September 9, Bank Artha Graha Internasional branches in 2nd SDGs
Free basic food assistance to people who can’t
2022 Jabodetabekar, Bandung, Solo, Ambon, Kupang
afford it due to the impact of rising fuel prices
and Kendari
21 November Penanaman pohon dalam rangka hari pohon
2022 Desa Ciputri, Kecamatan Pacet, Kabupaten Cianjur sedunia TPB ke-13, ke-15
9
November 21, Ciputri Village, Pacet Ward, Cianjur Regency Tree planting in commemoration of world tree 13th, 15th SDGs
2022 day
24 November Bantuan terhadap darurat dan pasca bencana
2022 Kota Cianjur gempa bumi TPB ke-2, ke-3
10
November 24, Cianjur City Donations for Emergencies and Post- 2nd, 3rd SDGs
2022 Earthquake Disasters
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 139
Page 140
Berkontribusi Maksimal untuk
Pemberdayaan Masyarakat
Program Literasi Keuangan [FN-CB-240a.4]
Financial Literacy Program [FN-CB-240a.4]
Bank Artha Graha Internasional mendukung Bank Artha Graha Internasional supports the government’s
komitmen pemerintah untuk meningkatkan inklusi commitment to increase financial inclusion through various
keuangan melalui berbagai program dan kegiatan programs and activities organized by financial service
yang diselenggarakan oleh lembaga jasa keuangan, institutions, including the banking industry. Following
termasuk industri perbankan. Sesuai dengan Peraturan the Financial Services Authority Regulation No. 76/
Otoritas Jasa Keuangan No. 76/POJK.07/2016 tentang POJK.07/2016 concerning Increasing Financial Literacy
Peningkatan Literasi dan Inklusi Keuangan di Sektor and Inclusion in the Financial Services Sector for Consumers
Jasa Keuangan Bagi Konsumen dan/atau Masyarakat, and/or the Public, financial literacy is knowledge, skills,
literasi keuangan adalah pengetahuan, keterampilan, and beliefs which affect attitudes and behavior to improve
dan keyakinan, yang mempengaruhi sikap dan perilaku the quality of decision-making and financial management
untuk meningkatkan kualitas pengambilan keputusan to achieve prosperity. Financial inclusion is the availability
dan pengelolaan keuangan dalam rangka mencapai of access to various financial institutions, products, and
kesejahteraan. Adapun inklusi keuangan adalah services according to the needs and capabilities of the
ketersediaan akses pada berbagai lembaga, produk dan community to improve people’s welfare. Meanwhile,
layanan jasa keuangan sesuai dengan kebutuhan dan Presidential Regulation No. 114 of 2020 concerning the
kemampuan masyarakat dalam rangka meningkatkan National Strategy for Financial Inclusion (SNKI) states that
kesejahteraan masyarakat. Sementara itu, Peraturan financial inclusion is a condition in which every member
Presiden No. 114 Tahun 2020 tentang Strategi Nasional of the public has access to a variety of quality, timely,
Keuangan Inklusif (SNKI) menyebutkan bahwa inklusi smooth, and safe formal financial services at affordable
keuangan adalah sebuah kondisi dimana setiap anggota costs by individual needs and abilities.
masyarakat mempunyai akses terhadap berbagai
layanan keuangan formal yang berkualitas, tepat waktu,
lancar, dan aman dengan biaya terjangkau sesuai dengan
kebutuhan dan kemampuan masing-masing.
Untuk mengukur indeks literasi dan inklusi keuangan To measure community financial literacy and inclusion
masyarakat, Otoritas Jasa Keuangan (OJK) kembali indexes, the Financial Services Authority (OJK) again
menyelenggarakan Survei Nasional Literasi dan Inklusi conducted the 2022 National Financial Literacy and
Keuangan (SNLIK) tahun 2022 pada Juli-September 2022. Inclusion Survey (SNLIK) in July to September 2022. The
Survei dilakukan dengan responden di 34 provinsi yang survey was conducted with respondents in 34 provinces
mencakup 76 kota/kabupaten dengan jumlah responden covering 76 cities/regencies, with the number of
sebanyak 14.634 orang yang berusia antara 15 - 79 respondents as many as 14,634 people aged between 15-
tahun. Sebagaimana tahun 2016 dan 2019, SNLIK 2022 79 years. As in 2016 and 2019, SNLIK 2022 uses the same
juga menggunakan metode, parameter dan indikator methods, parameters, and indicators. The financial literacy
yang sama, yaitu indeks literasi keuangan yang terdiri index consists of parameters of knowledge, skills, beliefs,
dari parameter pengetahuan, keterampilan, keyakinan, attitudes, and behavior, while the financial inclusion index
sikap dan perilaku, sementara indeks inklusi keuangan uses usage parameters.
menggunakan parameter penggunaan (usage).
140 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 141
Maximum Contribution
to Community Empowerment
Merujuk hasil SNLIK 2022, indeks literasi keuangan Referring to the 2022 SNLIK results, the public financial
masyarakat tercatat sebesar 49,68%, naik dibanding literacy index was recorded at 49.68%, an increase from
tahun 2019 yang hanya 38,03%. Sementara itu, indeks 2019, which was only 38.03%. Meanwhile, the financial
inklusi keuangan mencapai 85,10%, naik dibanding inclusion index reached 85.10%, an increase compared
hasil survei tahun 2019 yang mencapai 76,19%. Hasil to the results of the 2019 survey, which gained 76.19%.
survei menunjukkan bahwa gap antara tingkat literasi The survey results show that the gap between literacy
dan tingkat inklusi semakin menurun, dari 38,16% pada and inclusion levels is decreasing, from 38.16% in 2019
tahun 2019 menjadi 35,42% pada tahun 2022. Indeks to 35.42% in 2022. The financial inclusion index referring
inklusi keuangan merujuk survei SNLIK 2022 tersebut to the 2022 SNLIK survey is getting closer to the target
semakin mendekati target sebesar 90% yang ditetapkan of 90% set by the government as stated in Presidential
pemerintah sebagaimana disampaikan dalam Peraturan Regulation Number 114 of 2020 concerning the National
Presiden Nomor 114 Tahun 2020 tentang Strategi Strategy for Financial Inclusion (SNKI).
Nasional Keuangan Inklusif (SNKI).
Peningkatan indeks literasi dan inklusi keuangan tak lepas The increase in financial literacy and inclusion indexes
dari kontribusi para pelaku industri perbankan, termasuk cannot be separated from the contributions of banking
Bank Artha Graha Internasional. Selama tahun 2022, Bank industry actors, including Bank Artha Graha Internasional.
turut mendukung peningkatan indeks literasi dan inklusi During 2022, the Bank also supports increasing the
keuangan melalui berbagai program antara lain Sosialisasi financial literacy and inclusion index through various
Digital Apps di Yayasan masjid Cheng Hoo Surabaya (8 Juli programs including Socialization of Digital Apps at the
2022), Kantin Karyawan PT Keramik Diamond Industries Cheng Hoo Surabaya Mosque Foundation (July 8, 2022),
Surabaya (14 Juli 2022), Wyndham Hotel Surabaya (15 Employee Canteen of PT Keramik Diamond Industries
Juli 2022), Vaksinasi Pasar Turi Surabaya (28 Juli 2022), Surabaya (July 14, 2022), Wyndham Hotel Surabaya
Warehouse CV Cakrawala Sidoarjo (2 Agustus 2022), (July 15, 2022), Vaccination for Pasar Turi Surabaya (July
Warehouse CV Piala Tirta Surabaya (3 Agustus 2022), 28, 2022), Warehouse CV Cakrawala Sidoarjo (August
MAKODIM Surabaya Utara (16 Agustus 2022), Stadion 2, 2022), Warehouse CV Piala Tirta Surabaya (August 3,
KODAM BRAWIJAYA (17-30 Agustus 2022), SMPK 2022), MAKODIM North Surabaya (August 16, 2022),
VINCENTIUS Surabaya (14 Agustus 2022), Lokasi Kebun KODAM BRAWIJAYA Stadion (August 17-30, 2022), SMPK
Binatang Surabaya (22 September 2022), Sosialisasi VINCENTIUS Surabaya (August 14, 2022), Location of the
Gerakan Menabung dan Pengelolaan Keuangan di Bank Surabaya Zoo (September 22, 2022), Socialization of the
yang dilakukan di Cirebon (25 Maret 2022), Sosialisasi Movement for Savings and Financial Management in Banks
Tabungan Pelajar pada kegiatan Lomba Gerak Jalan, Pasar conducted in Cirebon (March 25, 2022), Socialization of
Seni dan Budaya di Subang Jawa Barat (1-5 Maret 2022) Student Savings during walking competition, Arts and
serta Kompetisi “Story Telling” Bahasa Inggris dengan Culture Market in Subang, West Java (March 1-5, 2022)
tema Menabung untuk Pelajar di Cipanas (30 September and an English “Story Telling” Competition with the theme
2022). Saving for Students in Cipanas (September 30, 2022).
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 141
Page 142
Berkontribusi Maksimal untuk
Pemberdayaan Masyarakat
Pengaduan Masyarakat [OJK F.24]
Public Complaints [OJK F.24]
Bank Artha Graha Internasional berupaya semaksimal Bank Artha Graha Internasional makes every effort so
mungkin agar keberadaannya membawa manfaat sebesar- that its presence can bring maximum benefits to the
besarnya bagi masyarakat di sekitar perusahaan beroperasi. communities around which the company operates. Thus,
Dengan demikian, Bank meyakini keberadaannya tidak the Bank believes that its existence will not harm society.
membawa dampak negatif bagi masyarakat. Terlebih Moreover, the Bank’s business activities, spread through
lagi, kegiatan usaha Bank yang tersebar melalui kantor its branch offices throughout Indonesia, carry out banking
cabangnya di seluruh Indonesia lebih banyak melakukan administration activities mostly in buildings or offices.
aktivitas administrasi perbankan di dalam gedung atau However, the Bank opens the amplest space for the public
perkantoran. Walau demikian, Bank membuka ruang if activities or operations impact the community through
seluas-luasnya kepada masyarakat jika ada aktivitas the nearest Bank Artha Graha Internasional Branch Office
atau operasional yang menimbulkan dampak di tengah or by contacting Graha Call at 0800-191-8880 and Graha
masyarakat melalui Kantor Cabang Bank Artha Graha Chat at 0811-191-88880.
Internasional terdekat atau dapat menghubungi Graha Call
pada nomor 0800-191-8880 dan Graha Chat pada nomor
0811-191-88880.
Per 31 Desember 2022, Bank tidak menerima pengaduan As of December 31, 2022, the Bank didn’t receive
dari masyarakat berkaitan dengan dampak negatif atas complaints from the public regarding negative impacts on
keberadaan dan operasional kantor cabang di berbagai the existence and operations of branch offices in various
wilayah di Indonesia. regions in Indonesia.
142 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 143
Maximum Contribution
to Community Empowerment
“Nihil kecelakaan membutuhkan
komitmen 100% terhadap
keselamatan.”
“Zero accident requires 100% commitment to
safety.”
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 143
Page 144
Page 145
J u d u l
Page 146
Human Capital Penopang Keberlanjutan Terbaik
Informasi tentang Karyawan [GRI 2-7] [OJK C.3]
Information about Employees [GRI 2-7] [OJK C.3]
Karyawan merupakan salah satu aset terpenting bagi Employees are one of the essential assets of the company.
Perseroan. Keberadaan mereka turut menentukan Their presence also determines the development and
perkembangan dan kemajuan Bank, terlebih di era progress of the Bank, especially in an era of increasingly
persaingan bisnis di industri perbankan yang kian ketat. fierce business competition in the banking industry. Banks
Bank memerlukan karyawan dengan jumlah sesuai need employees with the number according to needs and
kebutuhan serta memiliki kemampuan dan kapasitas yang have the ability and capacity that is qualified according to
mumpuni sesuai bidang kerja yang ditangani. the field of work handled.
[GRI 3-3] [GRI 3-3]
Per 31 Desember 2022, Bank memiliki karyawan sebanyak As of December 31, 2022, the Bank had 1,487 employees,
1.487 orang, terdiri dari karyawan tetap dan kontrak. consisting of permanent and contract employees. This
Jumlah tersebut turun sebanyak 94 orang atau 6,32% number decreased by 94 people, or 6.32%, compared to
dibanding tahun 2021 dengan total karyawan sebanyak 2021, with 1,581 employees. The decrease in the number
1.581 orang. Penurunan jumlah karyawan dipengaruhi of employees was affected by employees entering
oleh karyawan yang memasuki masa pensiun, meninggal retirement age, passing away, and resigning from the
dunia dan mengundurkan diri dari perusahaan. Komposisi company. The complete composition of employee
keberagaman karyawan selengkapnya disajikan dalam diversity is presented in the following tables:
tabel-tabel berikut: [GRI 405-1]
[GRI 405-1]
Jumlah Karyawan Berdasarkan Status dan Gender Number of Employees Based on Status and Gender
Keterangan 2022 2021 2020
Descriptions L/M P/F L/M P/F L/M P/F
Karyawan Tetap
646 596 748 682 858 803
Permanent Employees
Karyawan Kontrak
108 137 63 88 51 75
Contract Employees
Jumlah 754 733 811 770 909 878
Total 1.487 1.581 1.787
L=Laki-laki | P=Perempuan
M=Male | F=Female
146 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 147
Human Capital to Support Best Sustainability
Jumlah Karyawan Berdasarkan Lokasi Kerja dan Gender Number of Employees Based on Work Location and Gender
Keterangan 2022 2021 2020
Descriptions L/M P/F L/M P/F L/M P/F
Wilayah Jakarta
471 418 481 397 536 461
Jakarta Region
Wilayah Sumatra
65 63 83 72 104 83
Sumatra Region
Wilayah Jawa Barat
75 75 80 99 83 103
West Java Region
Wilayah Jawa Tengah & DI Yogyakarta
13 24 14 29 19 36
Central Java & DI Yogyakarta Region
Wilayah Jawa Timur
27 23 29 26 33 37
East Java Region
Indonesia Timur dan Indonesia Tengah
103 130 124 147 134 158
East Indonesian and Central Indonesian Region
Jumlah 754 733 811 770 909 878
Total 1.487 1.581 1.787
L=Laki-laki | P=Perempuan
M=Male | F=Female
Jumlah Karyawan Berdasarkan Tingkat Pendidikan dan Gender Number of Employees Based on Education Level and Gender
Keterangan 2022 2021 2020
Descriptions L/M P/F L/M P/F L/M P/F
< SMA
117 26 130 31 168 52
< Senior High School
Diploma - III
89 121 107 138 127 160
Diploma - III
Sarjana
518 564 544 581 578 645
Bachelor
Pascasarjana
29 22 29 20 35 21
Magister
Doktoral
1 - 1 - 1 -
Doctorate
Jumlah 754 733 811 770 909 878
Total 1.487 1.581 1.787
L=Laki-laki | P=Perempuan
M=Male | F=Female
Jumlah dan Komposisi Karyawan Berdasarkan Jenis Kelamin Number and Composition of Employees Based on Gender
2022 2021 2020
Gender
Gender Orang Orang Orang
% % %
Person Person Person
Pria
754 50,71 811 51,30 909 50,87
Male
Wanita
733 49,29 770 48,70 878 49,13
Female
Jumlah
1.487 100 1.581 100 1.787 100
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 147
Page 148
Human Capital Penopang Keberlanjutan Terbaik
Jumlah Karyawan Berdasarkan Usia Number of Employees Based on Age
2022 2021 2020
Keterangan
Descriptions Orang Orang Orang
% % %
Person Person Person
18-24 tahun
138 9,28 72 4,55 39 2,18
18-24 years old
25-45 tahun
927 62,34 1.020 64,52 1.129 63,18
25-45 years old
46-50 tahun
199 13,38 250 15,81 284 15,89
46-50 years old
>50 tahun
223 15,00 239 15,12 335 18,75
>50 years old
Jumlah
1.487 100 1.581 100 1.787 100
Total
Jumlah Karyawan Berdasarkan Jenjang Jabatan Number of Employees Based on Position Level
2022 2021 2020
Keterangan
Descriptions Orang Orang Orang
% % %
Person Person Person
Wakil Presiden Senior
3 0,20 4 0,25 5 0,28
Senior Vice President
Wakil Presiden
6 0,40 3 0,19 4 0,22
Vice President
Asisten Wakil Presiden
17 1,14 12 0,76 13 0,73
Assistant Vice President
Manajer Senior
10 0,67 17 1,07 17 0,95
Senior Manager
Pengelola
29 1,95 30 1,90 27 1,51
Manager
Asisten Manajer Senior
69 4,64 61 3,86 78 4,36
Assistant Senior Manager
Asisten Manajer
88 5,92 88 5,57 103 5,76
Assistant Manager
Asisten Manajer Junior
145 9,75 167 10,56 198 11,08
Assistant Junior Manager
Petugas Pertama
517 34,77 597 37,76 712 39,84
First Officer
Staf
537 36,11 519 32,83 530 29,67
Staff
Non-Staf
66 4,44 83 5,25 100 5,60
Non-Staff
Jumlah
1.487 100 1.581 100 1.787 100
Total
148 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 149
Human Capital to Support Best Sustainability
Pekerja Bukan Karyawan [GRI 2-8]
Non-Employee Workers [GRI 2-8]
Selain demografi karyawan seperti di atas, Perseroan In addition to the employee demographics as above, the
juga memiliki pekerja bukan karyawan, yaitu mereka yang company also has non-employee workers, namely those
bekerja untuk Bank, tetapi tidak dalam hubungan kerja who work for the Bank but are not in a working relationship
dengan perusahaan, seperti tenaga alih daya dan tenaga with the company, such as outsourced workers and
magang/relawan, sebagaimana tabel berikut: apprentices/volunteers, as shown in the following table:
Tabel Komposisi Pekerja Bukan Karyawan Table of Composition of Non-Employee Workers
Status
2022 2021 2020
Status
Tenaga alih daya
634 621 639
Outsourcing
Tenaga magang/relawan
4 0 1
Interns/Volunteers
Jumlah
638 621 640
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 149
Page 150
Human Capital Penopang Keberlanjutan Terbaik
Human Capital Penopang Keberlanjutan Terbaik
Human Capital to Support Best Sustainability
Human Capital (HC) merupakan salah satu elemen penting Human Capital (HC) is one of the essential elements for
bagi Bank Artha Graha Internasional untuk mewujudkan Bank Artha Graha Internasional to realize sustainability
keberlanjutan dan kesinambungan usaha. Sebagai aset and business continuity. As an asset and investment
dan investasi untuk masa depan, keberadaan human for the future, human capital has a function to increase
capital memiliki fungsi untuk meningkatkan produktivitas, productivity, produce professional services, and make
menghasilkan layanan profesional dan menghasilkan the best solutions based on the knowledge, abilities, and
solusi terbaik berdasarkan pengetahuan, kemampuan dan skills possessed by each personnel at Bank Artha Graha
keterampilan yang dimiliki setiap karyawan di Bank Artha Internasional.
Graha Internasional.
Sasaran yang ingin dicapai Bank dalam pengelolaan The target the Bank wants to achieve in human capital
human capital adalah melakukan perampingan organisasi management is to streamline the organization to reduce
untuk mengurangi birokrasi serta kompleksitas organisasi bureaucracy and increase employee productivity so that
dan meningkatkan produktivitas karyawan agar Bank the Bank can grow stronger and steadily. However, on
dapat bertumbuh stronger dan steady. Namun, di sisi the other hand, the recruitment of reliable young workers
lain, rekrutmen tenaga muda yang andal terus dilakukan continues to be carried out so that the organizational
agar budaya organisasi berubah menjadi lebih dinamis, culture changes to become more dynamic while
sekaligus dapat mendukung pertumbuhan bisnis Bank di simultaneously supporting the Bank’s business growth in
masa depan secara optimal. the future optimally.
Selaras dengan itu, pelaksanaan pelatihan karyawan sesuai In line with that, the implementation of employee
dengan kamus kompetensi Bank juga terus dilakukan training following the Bank’s competency dictionary
sejalan dengan program human capital, terutama pada is also continuously carried out in line with the human
sektor bisnis andalan, selling dan cross selling skill, capital program, especially in the mainstay business
entrepreneurship, analisis kredit, audit, digital banking, sector, selling and cross-selling skills, entrepreneurship,
business banking, sustainable finance, manajemen risiko, credit analysis, audit, digital banking, business banking,
interpersonal soft skills, program character building, sustainable finance, risk management, interpersonal soft
leadership, dan lain-lain. skills, character building programs, leadership, and others.
Struktur Organisasi Human Capital
Human Capital Organizational Structure
President Director
ANDY KASIH
Vice President Director
CHRISTINA HARAPAN
Head of Bureau
EMELIA SUSANTO
Deputy Director
Human Capital
ELVIN HALIM
Executive Officer Executive Officer Executive Officer Executive Officer Executive Officer
Payroll Human Record Data Learning & Development Recruitment Industrial Relations
150 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 151
Human Capital to Support Best Sustainability Landasan Kebijakan Policy Foundation Pengelolaan human capital di Bank Artha Graha The management of human capital at Bank Artha Graha Internasional merujuk berbagai regulasi yang berlaku di Internasional refers to various regulations that apply in Indonesia di antaranya: Indonesia, including: 1. Undang-Undang No. 13 Tahun 2003 tentang 1. Law No. 13 of 2003 concerning Manpower; Ketenagakerjaan; 2. Undang-Undang No. 11 Tahun 2020 tentang Cipta 2. Law No. 11 of 2020 concerning Job Creation; Kerja; 3. Undang-Undang Republik Indonesia No. 21 Tahun 3. Law of the Republic of Indonesia No. 21 of 2000 2000 tentang Serikat Pekerja/Serikat Buruh; concerning Trade Unions/Labor Unions; 4. Undang-Undang Republik Indonesia No. 24 Tahun 4. Law of the Republic of Indonesia No. 24 of 2011 2011 tentang Badan Penyelenggara Jaminan Sosial; concerning Social Security Organizing Agency; 5. Undang-Undang Presiden Republik Indonesia No. 11 5. Law of the President of the Republic of Indonesia Tahun 1992 tentang Dana Pensiun; No. 11 of 1992 concerning Pension Funds; 6. Undang-Undang No. 21 Tahun 1999 tentang 6. Law No. 21 of 1999 concerning Ratification of ILO Pengesahan ILO Convention No. 111 Concerning Convention No. 111 Concerning Discrimination Discrimination in Respect of Employment and in Respect of Employment and Occupation (ILO Occupation (Konvensi ILO Mengenai Diskriminasi Convention Concerning Discrimination in Employment dalam Pekerjaan dan Jabatan); and Occupation); 7. Undang-Undang Republik Indonesia No. 20 Tahun 7. Law of the Republic of Indonesia No. 20 of 1999 1999 tentang Pengesahan ILO Convention No. concerning Ratification of ILO Convention No. 138 Concerning Minimum Age for Admission to 138 Concerning Minimum Age for Admission to Employment (Konvensi ILO Mengenai Usia Minimum Employment; untuk Diperbolehkan Bekerja); 8. Undang-Undang Republik Indonesia No. 1 Tahun 8. Law of the Republic of Indonesia No. 1 of 2000 2000 tentang Pengesahan ILO Convention No. 182 concerning Ratification of ILO Convention No. 182 Concerning The Prohibition And Immediate Action Concerning The Prohibition And Immediate Action for for The Elimination of The Worst Forms of Child The Elimination of The Worst Forms of Child Labour; Labour (Konvensi ILO No. 182 Mengenai Pelarangan dan Tindakan Segera Penghapusan Bentuk-Bentuk Pekerjaan Terburuk untuk Anak); 9. Undang-Undang Republik Indonesia No. 19 Tahun 9. Law of the Republic of Indonesia No. 19 of 1999 1999 Tentang Pengesahan ILO Convention No. 105 concerning Ratification of ILO Convention No. 105 Concerning The Abolition of Forced Labour (Konvensi Concerning The Abolition of Forced Labour; ILO Mengenai Penghapusan Kerja Paksa); 10. Peraturan Pemerintah Republik Indonesia No. 35 10. Government Regulation of the Republic of Indonesia Tahun 2021 tentang Perjanjian Kerja Waktu Tertentu, No. 35 of 2021 concerning Work Agreements for Alih Daya, Waktu Kerja dan Waktu Istirahat, dan Specific Time, Outsourcing, Working Time and Rest Pemutusan Hubungan Kerja; Time, and Termination of Employment; 11. Peraturan Pemerintah Republik Indonesia No. 36 11. The Republic of Indonesia Government Regulation Tahun 2021 tentang Pengupahan; No. 36 of 2021 concerning Wages; 12. Surat Edaran Menteri Ketenagakerjaan No. B-M/383/ 12. Minister of Manpower Circular Letter No. B-M/383/ HI.01.00/XI/2021 tentang Penyampaian Data HI.01.00/XI/2021 concerning Submission of Economic Perekonomian dan Ketenagakerjaan dalam Penetapan and Labor Data in Setting the 2022 Minimum Wage; Upah Minimum Tahun 2022; dan and 13. ILO No. 87 Tahun 1948 tentang kebebasan berserikat 13. ILO No. 87 of 1948 concerning freedom of association dan perlindungan hak berorganisasi. and protection of the right to organize. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 151
Page 152
Human Capital Penopang Keberlanjutan Terbaik Berdasarkan berbagai regulasi di atas, selanjutnya Based on the various regulations above, the Bank then Bank menerbitkan peraturan-peraturan internal untuk issues internal regulations to manage human capital, mengelola human capital antara lain berkaitan dengan including selection/recruitment, career management, seleksi/rekrutmen, manajemen karier, remunerasi, jaminan remuneration, social security, pensions, etc. Implementing sosial, pensiun dan sebagainya. Implementasi peraturan internal rules and regulations in force is a form of the Bank’s internal dan regulasi-regulasi yang berlaku merupakan compliance with provisions in the field of employment bentuk kepatuhan Bank terhadap ketentuan-ketentuan di in Indonesia, as well as an effort to create harmonious bidang ketenagakerjaan di Indonesia, sekaligus sebagai industrial relations. [GRI 3-3] upaya mewujudkan hubungan industrial yang harmonis. [GRI 3-3] Menghormati Hak Asasi Manusia dan Respect Human Rights and Uphold Menjunjung Tinggi Kesetaraan Equality [OJK F.18, F.19] [OJK F.18, F.19] Dalam mengelola human capital, Bank Artha Graha In managing human capital, Bank Artha Graha Internasional Internasional senantiasa menghormati Hak Asasi Manusia always respects Human Rights (HAM) and upholds (HAM) dan menjunjung tinggi kesetaraan. Hak asasi equality. Human rights are fundamental rights to which all manusia adalah hak dasar yang menjadi hak dan melekat humans are entitled and which are universally applicable, pada semua manusia yang berlaku universal, meliputi di including the right to life, freedom of expression, the right antaranya hak untuk hidup, kebebasan berekspresi, hak to work, the right to social security, equality before the untuk bekerja, hak atas jaminan sosial, persamaan di law and others. depan hukum dan lain-lain. Komitmen tersebut di antaranya ditunjukkan dengan This commitment is shown, among other things, by kebijakan tidak mempekerjakan anak di bawah umur the policy of not employing underage children and not serta tidak melakukan praktik tenaga kerja paksa di practicing forced labor in all operational areas. The Bank seluruh wilayah operasional. Bank juga menghormati also respects diversity and ensures equal treatment keberagaman dan memastikan adanya perlakuan yang without discriminating against ethnicity, religion, race, setara tanpa membeda-bedakan suku, agama, ras, gender, and persons with disabilities, as well as opposing gender, penyandang disabilitas, sekaligus menentang all forms of discrimination in recruiting employees and segala bentuk diskriminasi, baik dalam merekrut providing facilities, training, development, and career karyawan, pemberian fasilitas, pelatihan, pengembangan, paths. dan jenjang karier. Sesuai dengan prinsip kesetaraan, Bank memberi Following the principle of equality, the Bank provides the kesempatan seluas-luasnya bagi seluruh karyawan untuk most comprehensive opportunity for all employees to terus mengembangkan potensi yang dimiliki demi continue to develop their potential for the progress of the kemajuan Bank. Kesetaraan tersebut tercermin dari Bank. This equality is reflected in the presence of women keberadaan perempuan yang mengisi posisi-posisi tinggi who fill high and essential positions, such as Director, dan penting, seperti Direktur, Associate Director, dan Associate Director, and Deputy Director. Deputy Director. Komitmen Bank dalam menghormati hak asasi manusia The Bank’s commitment to respecting human rights and dan menjunjung tinggi kesetaraan membawa hasil upholding equality has resulted in no incidents related to dengan tidak adanya insiden terkait diskriminasi, pekerja discrimination, underage labor, forced labor practices, or di bawah umur, praktik kerja paksa atau pelanggaran other human rights violations in 2022. Thus, the Bank can HAM lainnya pada tahun 2022. Dengan demikian, Bank make improvements related to topics or subjects. tidak perlu melakukan perbaikan berkaitan dengan topik [GRI 406-1, 408-1, 409-1] atau subyek-subyek tersebut. [GRI 406-1, 408-1, 409-1] 152 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 153
Human Capital to Support Best Sustainability
Rekrutmen dan Turnover Karyawan Employee Recruitment and Turnover
[GRI 401-1] [GRI 401-1]
Untuk menjaga kesinambungan usaha jangka panjang, Bank Artha Graha Internasional requires skilled and
Bank Artha Graha Internasional memerlukan human professional human capital to maintain long-term business
capital yang terampil dan profesional guna menciptakan continuity to create superior performance. Along with
kinerja unggul. Seiring dengan itu, Bank berupaya that, the Bank seeks to maintain and manage all of its
menjaga dan mengelola seluruh human capital yang human capital through various attractive, fair, and inclusive
dimiliki melalui beragam kebijakan yang menarik, adil policies, both in remuneration, competency training and
dan inklusif, baik dalam hal remunerasi, pelatihan dan development, career development, and other supporting
pengembangan kompetensi, pengembangan karier, dan facilities. The Bank believes that such management will
fasilitas penunjang lainnya. Bank meyakini, pengelolaan become a unique attraction in the eyes of prospective new
seperti itu akan menjadi daya tarik tersendiri di mata calon workers who want to join.
tenaga kerja baru yang ingin bergabung.
Per 31 Desember 2022, Bank merekrut karyawan sebanyak As of December 31, 2022, the Bank recruited 261 persons
261 orang dengan perincian sebagai berikut: with the following details:
Tabel Rekrutmen Karyawan Berdasarkan Wilayah Kerja dan Table of Employee Recruitment Based on Work Area and Gender
Jenis Kelamin Tahun 2020-2022 for 2020-2022
Keterangan 2022 2021 2020
Description L/M P/F L/M P/F L/M P/F
Kantor Pusat
71 35 39 26 20 12
Head Office
Kantor Cabang
76 79 26 42 8 11
Branch Office
Tabel Rekrutmen Karyawan Berdasarkan Wilayah Kerja dan Table of Employee Recruitment Based on Work Area and Age
Rentang Usia Tahun 2020-2022 Range for 2020-2022
Keterangan 2022 2021 2020
Description <30 30-50 >50 <30 30-50 >50 <30 30-50 >50
Kantor Pusat
69 29 8 43 15 7 20 11 1
Head Office
Kantor Cabang
148 5 2 66 1 1 12 6 1
Branch Office
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 153
Page 154
Human Capital Penopang Keberlanjutan Terbaik
Sementara itu, karyawan yang meninggalkan Bank selama Meanwhile, employees who left the Bank during 2022 were
tahun 2022 tercatat sebanyak 353 orang dengan perincian recorded as 353 persons with the following details:
sebagai berikut:
Tabel Karyawan yang Meninggalkan Bank Berdasarkan Table of Employees Leaving the Bank by Age Range in 2020-
Rentang Usia Tahun 2020-2022 2022
Usia
2022 2021 2020
Age
<30 tahun
112 89 71
<30 years old
31-50 tahun
145 116 114
30-50 years old
> 51 tahun
96 135 71
> 51 years old
Jumlah
353 340 256
Total
Jumlah Komposisi Karyawan yang Meninggalkan Bank Total Composition of Employees Leaving the Bank by Gender
Berdasarkan Jenis Kelamin
Jenis Kelamin
2022 2021 2020
Gender
Laki-Laki
187 163 129
Male
Perempuan
166 177 127
Female
Jumlah
353 340 256
Total
Jumlah Komposisi Karyawan yang Meninggalkan Bank Total Composition of Employees Leaving the Bank by Region
Berdasarkan Wilayah
Wilayah Kerja
2022 2021 2020
Work Location
Kantor Pusat
146 124 184
Head Office
Kantor Cabang
207 216 72
Branch Office
Jumlah
353 340 256
Total
154 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 155
Human Capital to Support Best Sustainability
Berdasarkan data karyawan yang masuk melalui rekrutmen Based on the data of employees who enter through
dan keluar/meninggalkan Bank, maka bisa dihitung recruitment and leave the Bank, the turnover rate can be
tingkat turnover sebagaimana tabel berikut: calculated as the following table:
Turnover Karyawan Tahun 2020-2022 Employee Turnover in 2020-2022
Keterangan
2022 2021 2020
Description
Jumlah pegawai baru
259 133 51
Number of new employees
Jumlah pegawai meninggalkan Bank*)
353 340 257
Number of employees leaving the Bank*)
Jumlah pegawai awal tahun
1.581 1.787 1.993
Number of employees at the beginning of the year
Jumlah pegawai akhir tahun
1.487 1.581 1.787
Number of employees at the end of the year
Tingkat Turnover
6,13% 12,29% 10,90%
Turnover Rate
*) Keputusan karyawan untuk meninggalkan Bank secara sukarela *) Employee’s decision to voluntarily leave the Bank (resign and retire early)
(mengundurkan diri dan pensiun dini)
Untuk menekan tingkat turnover, terutama bagi karyawan To reduce the turnover rate, especially for employees who
yang berada dalam kategori usia produktif, Bank telah are in the productive age category, the Bank has made
melakukan berbagai upaya, antara lain terus melakukan various efforts, including continuing to recruit employees
rekrutmen karyawan yang memiliki kompetensi sesuai who have competencies according to the needs of the
kebutuhan Bank. Bank memberikan kesempatan pada Bank. The Bank provides opportunities for employees to
karyawan untuk mengembangkan diri, menambah skill, develop themselves, and add skills and insights, including
dan wawasan di antaranya dengan memberikan pelatihan- by providing special training, certification and tour of duty
pelatihan khusus, sertifikasi serta Tour of duty baik di both within the Bank and other business units. In addition,
internal Bank maupun unit-unit usaha lainnya. Selain itu, the Bank also gives appreciation to employees, one of which
Bank juga memberikan apresiasi kepada karyawan salah is with an incentive scheme for employees who achieve
satunya dengan skema insentif bagi karyawan yang targets. [GRI 3-3]
mencapai target. [GRI 3-3]
Keanekaragaman Karyawan [GRI 405-1] Employee Diversity [GRI 405-1]
Seperti dinyatakan di awal bahwa Bank menghormati As stated earlier, the Bank respects human rights and
hak asasi manusia dan memperlakukan atau memberikan treats or provides equal opportunities to all employees
kesempatan yang sama kepada seluruh karyawan (calon) (prospective) without discriminating based on discriminatory
tanpa membeda-bedakan berdasarkan latar belakang backgrounds.
yang bersifat diskriminasi.
Kebijakan memberikan perlakuan yang setara berlaku Providing equal treatment applies to recruiting new
mulai dari perekrutan karyawan baru, remunerasi, employees, remuneration and benefits, training, and
dan tunjangan, pelatihan serta pengembangan karier. career development. Based on this principle, the Bank has
Berdasarkan prinsip tersebut, Bank memiliki karyawan employees with a diversity of status, gender, age, education,
dengan keanekaragaman terkait status, jenis kelamin, work area, and so on, as presented in the Profile Chapter of
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 155
Page 156
Human Capital Penopang Keberlanjutan Terbaik
usia, pendidikan, wilayah kerja dan sebagainya, seperti this report. The recapitulation of the diversity of employees,
disampaikan pada Bab Profil laporan ini. Adapun the Board of Commissioners, and the Board of Directors, is
rekapitulasi keberagaman karyawan, Dewan Komisaris shown in the following table: [GRI 3-3, 405-1]
dan Direksi, disajikan dalam tabel berikut: [GRI 3-3, 405-1]
Tabel Keberagaman Karyawan dan Tata Kelola Tertinggi Table of Employee Diversity and Highest Governance
Keterangan Unit
2022 2021 2020
Description Unit
Semua karyawan (kecuali Direksi dan Dewan Komisaris)
All employees (except the Board of Directors and Board of Commissioners)
Laki-Laki Orang
754 811 909
Male Person
Perempuan Orang
733 770 878
Female Person
Perempuan (dalam persentase)
% 49,29 48,70 49,13
Female (in percentage)
Direksi dan Dewan Komisaris
Board of Directors and Board of Commissioners
Laki-Laki Orang
9 9 8
Male Person
Perempuan Orang
2 3 2
Female Person
Perempuan (dalam persentase)
% 18,18 25 20
Female (in percentage)
Remunerasi dan Tunjangan [GRI 202-1, 401-2] Remuneration and Allowance [GRI 202-1, 401-2]
Bank senantiasa memperhatikan kesejahteraan karyawan The Bank always pays attention to employee welfare to
demi tercapainya kinerja yang terbaik. Oleh karena itu, achieve the best performance. Therefore, concerning the
berkaitan dengan kebijakan pemberian remunerasi, Bank remuneration policy, the Bank provides the best and pays
memberikan yang terbaik dan memperhatikan ketentuan attention to the applicable rules and regulations.This is
serta peraturan yang berlaku. Hal tersebut penting important for increasing employee morale and productivity,
untuk meningkatkan moral dan produktivitas karyawan, as well as being an attraction for prospective new workers.
sekaligus menjadi daya tarik bagi calon tenaga kerja baru.
Hal yang tak kalah penting, dalam memberikan Equally important, in providing remuneration, the Bank
remunerasi, Bank menerapkan pola penghargaan yang applies a pattern of fair rewards and equal treatment without
adil dan perlakuan yang sama tanpa diskriminasi kepada discrimination to all employees regardless of gender,
seluruh pegawai tanpa membedakan jenis kelamin, suku, ethnicity, race, religion, skin color, and other discriminatory
ras, agama, warna kulit, dan latar belakang lainnya yang backgrounds.
bersifat diskriminasi.
Selanjutnya, secara spesifik, berkaitan dengan remunerasi Furthermore, concerning the lowest level of permanent
karyawan tetap tingkat terendah pada tahun pelaporan, employee remuneration in the reporting year, in addition
selain merujuk regulasi ketenagakerjaan secara umum, to referring to labor regulations in general, the Bank is
Bank juga berpedoman pada Surat Edaran Menteri also guided by the Minister of Manpower Circular Letter
Ketenagakerjaan No. B-M/383/HI.01.00/XI/2021 tentang No. B-M/383/HI.01.00/XI/2021 concerning Submission of
Penyampaian Data Perekonomian dan Ketenagakerjaan Economic and Employment Data Setting the 2022 Minimum
156 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 157
Human Capital to Support Best Sustainability
dalam Penetapan Upah Minimum Tahun 2022. Sesuai Wage. Following these guidelines, the remuneration
dengan pedoman tersebut, remunerasi karyawan tetap of permanent employees is compared to the Provincial
dibandingkan dengan Upah Minimum Provinsi (UMP) Minimum Wage (UMP) set by the government in full as
yang ditetapkan pemerintah selengkapnya adalah sebagai follows: [GRI 3-3, 202-1]
berikut: [GRI 3-3, 202-1]
Tabel Upah Karyawan Tetap Tingkat Terendah Dibanding Table of Permanent Employee Wages Lowest Level Compared
Upah Minimum Provinsi Tahun 2022 to the 2022 Provincial Minimum Wage
Rasio
Daerah Upah Karyawan Golongan Terendah UMP
No. Ratio
Area Wages of The Lowest Class of Employees UMP
(%)
1 Ambon 2.667.000 2.667.000 100
2 Balikpapan 3.381.000 3.119.000 108
3 Bandung 3.775.000 3.775.000 100
4 Banjarmasin 3.001.000 3.001.000 100
5 Batam 4.187.000 4.187.000 100
6 Bogor 4.331.000 4.331.000 100
7 Subang 3.065.000 3.065.000 100
8 Cikarang 4.792.000 4.792.000 100
9 Cipanas 4.378.000 4.331.000 101
10 Cirebon 2.350.000 2.305.000 102
11 Denpasar 2.803.000 2.803.000 100
12 Depok 4.378.000 4.378.000 100
13 DKI Jakarta 4.642.000 4.642.000 100
14 Jambi 2.929.000 2.650.000 111
15 Karawang 4.799.000 4.799.000 100
16 Kendari 2.824.000 2.824.000 100
17 Kupang 2.040.000 2.040.000 100
18 Kuta 2.962.000 2.962.000 100
19 Lampung 3.726.000 2.771.000 134
20 Makassar 3.295.000 3.295.000 100
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 157
Page 158
Human Capital Penopang Keberlanjutan Terbaik
Rasio
Daerah Upah Karyawan Golongan Terendah UMP
No. Ratio
Area Wages of The Lowest Class of Employees UMP
(%)
21 Manado 3.395.000 3.395.000 100
22 Medan 3.371.000 3.371.000 100
23 Palembang 3.290.000 3.290.000 100
24 Pangkal Pinang 3.265.000 3.265.000 100
25 Pekanbaru 3.050.000 3.050.000 100
26 Pontianak 2.704.000 2.580.000 105
27 Samarinda 3.138.000 3.138.000 100
28 Semarang 2.836.000 2.836.000 100
29 Surabaya 4.376.000 4.376.000 100
30 Surakarta (Solo) 2.625.000 2.036.000 129
31 Tangerang Selatan 4.281.000 4.281.000 100
32 Ternate 3.784.000 3.784.000 100
Sesuai tabel di atas terlihat bahwa seluruh upah karyawan According to the table above, it can be seen that
tetap tingkat terendah di atas UMP yang ditetapkan oleh all permanent employees’ wages are at the lowest
masing-masing Pemerintah Daerah setempat. level above the UMP set by each local government.
Selain memberikan remunerasi secara adil, Bank juga In addition to providing fair remuneration, the Bank also
memberikan tunjangan kepada karyawan berdasarkan offers benefits to employees based on their status as follows:
statusnya sebagai berikut:
Tabel Tunjangan Karyawan Berdasarkan Status Tahun 2022 Table of Employee Benefits Based on Status in 2022
Komponen Pegawai Tetap Pegawai Kontrak
Component Permanent Employee Contract Employees
Gaji Pokok
√ √
Basic Salary
THR
√ √
THR (Holiday Allowance)
Tunjangan Pajak
√ √
Tax Benefits
Tunjangan Jabatan
√ √
Positional Allowance
Lembur & Uang Makan Lembur
√ √
Overtime & Overtime Meal Allowance
Tunjangan Cuti Istimewa
√ -
Special Leave Allowance
158 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 159
Human Capital to Support Best Sustainability
Komponen Pegawai Tetap Pegawai Kontrak
Component Permanent Employee Contract Employees
Bantuan Nikah
√ -
Marriage Assistance
Bantuan Duka
√ -
Grief Aid
BPJS Tenaga Kerja, Jaminan Pensiun, dan BPJS Kesehatan
√ √
BPJS Employment, Pension Insurance, and BPJS Health
Tunjangan Kesehatan
√ √
Health Benefits
Pesangon, Penghargaan Masa Kerja
√ -
Severance, Long Service Award
Berdasarkan status kepegawaian (tetap/kontrak), Bank Based on employment status (permanent/contract), the Bank
memberikan komponen remunerasi dan fasilitas yang provides different remuneration components and facilities,
berbeda, namun Bank memastikan bahwa hak-hak yang but the Bank ensures that the rights received by contract
diterima pegawai kontrak telah sesuai dengan standar employees are by applicable standards. The following is the
ketentuan yang berlaku. Berikut Program Kesejahteraan Bank Artha Graha Internasional Employee Welfare Program:
Karyawan Bank Artha Graha Internasional:
• Program Asuransi Rawat Inap Karyawan terdiri atas: • Employee Hospitalization Insurance Program consists
of:
1. Asuransi Artha Graha General Insurance; dan 1. Artha Graha General Insurance; and
2. Asuransi Mandiri AXA General Insurance. 2. Mandiri Insurance AXA General Insurance.
• Program BPJS Ketenagakerjaan mencakup 4 Program: • The Employment BPJS Program includes 4 Programs:
1. JKK: Jaminan Kecelakaan Kerja; 1. JKK: Work Accident Insurance;
2. JKM: Jaminan Kematian; 2. JKM: Death Guarantee;
3. JHT: Jaminan Hari Tua; dan 3. JHT: Old Age Guarantee; and
4. JP: Jaminan Pensiun. 4. JP: Pension Guarantee.
• Program BPJS Kesehatan. • Health BPJS program.
Cuti Parental Parental Leave
Bank Artha Graha Internasional menjunjung tinggi hak- Bank Artha Graha Internasional upholds the normative
hak normatif karyawan antara lain hak cuti parental, rights of employees, including parental leave rights, namely
yaitu cuti yang diberikan kepada karyawan laki-laki dan leave given to male and female employees before and
perempuan sebelum dan setelah dilahirkannya seorang after the birth of a child. Concerning parental leave, the
anak. Berkaitan dengan cuti parental, Bank memberikan Bank provides maternity and miscarriage leave to female
fasilitas cuti melahirkan atau bersalin (maternity leave) permanent employees for 1.5 (one and a half) months before
dan cuti keguguran kepada karyawan tetap perempuan and 1.5 (one and a half) months after or three months during
selama 1,5 (satu setengah) bulan sebelum dan 1,5 (satu delivery. Meanwhile, the miscarriage leave facility is given
setengah) bulan sesudah persalinan atau tiga bulan masa for 45 days after the miscarriage occurs. In addition, the
persalinan. Sedangkan fasilitas cuti keguguran diberikan Bank also permits 2 (two) working days for male employees
selama 45 hari sejak terjadinya keguguran. Selain itu, to leave work when their wife gives birth (paternity
Bank juga memberikan izin selama 2 (dua) hari kerja leave). This facility has been regulated in Circular Letter
kepada karyawan laki-laki untuk meninggalkan pekerjaan No. SESDM 010.04.1. regarding Employee Leave Provisions.
apabila istrinya melahirkan (paternity leave). Fasilitas ini
telah diatur di dalam Surat Edaran No. SESDM 010.04.1.
tentang Perihal Ketentuan Cuti Karyawan.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 159
Page 160
Human Capital Penopang Keberlanjutan Terbaik
Selama tahun 2022, karyawan perempuan yang memiliki During 2022, female employees who have maternity leave
hak cuti melahirkan dan mengambil hak tersebut sebanyak rights and take these rights are 36 people. After the leave
36 orang. Setelah waktu cutinya habis, sebanyak 36 orang time is up, as many as 36 people or 100% have returned
atau 100% telah kembali bekerja. Sementara itu, dari data to work. Meanwhile, from the data for 2021, out of the
tahun 2021, dari 45 karyawan wanita yang mengambil cuti 45 female employees who took maternity leave, returned
melahirkan, kembali bekerja, dan tetap bekerja hingga 12 to work, and continued to work for the next 12 months,
bulan berikutnya adalah 41 orang atau 91%. Sementara it was 41 people or 91%. Meanwhile, the number of male
itu, karyawan laki-laki yang memiliki hak mengambil cuti employees with the right to take leave because their wife
karena istrinya melahirkan pada tahun 2022 tercatat gave birth in 2022 is recorded as 32 people, and as many
sebanyak 32 orang, dan sebanyak 32 orang atau 100% as 32 people or 100% take a right. The number of male
mengambil hak tersebut. Adapun jumlah karyawan laki-laki employees who return to work after their right to leave
yang kembali bekerja setelah hak cuti mendampingi istri with their wife ends in the reporting year is 31 people or
berakhir pada tahun pelaporan adalah 31 orang atau 97%. 97%. Furthermore, from the data for 2021, out of 31 male
Selanjutnya, dari data tahun 2021, dari 31 karyawan laki- employees who took maternity leave, it was recorded that as
laki yang mengambil cuti melahirkan, tercatat sebanyak many as 31 people had returned to work, and they continued
31 orang telah kembali bekerja, dan tetap bekerja hingga to work for the next 12 months, namely 24 people or 77%.
12 bulan berikutnya adalah 24 orang atau 77%.
Pelatihan dan Pengembangan Kompetensi Employee Competency Training and
Karyawan [GRI 404-1] Development [GRI 404-1]
Bank Artha Graha Internasional berkomitmen untuk terus Bank Artha Graha Internasional is committed to
mengembangkan potensi human capital secara konsisten developing human capital potential consistently and
dan berkesinambungan. Komitmen diwujudkan dengan sustainably. Commitment is realized by organizing various
menyelenggarakan berbagai pendidikan, pelatihan, dan education, training, and workshops. Internal parties
workshop, baik yang dilakukan oleh pihak internal melalui carry both out through in-house training by internal
in-house training oleh pengajar internal, maupun bekerja instructors and in collaboration with various external
sama dengan berbagai pihak eksternal di dalam negeri, parties in the country, namely institutions or institutions
yaitu lembaga atau institusi yang berkompeten dalam that are competent in banking expertise, operational,
bidang-bidang keahlian perbankan, operasional, kredit, credit, managerial, character development, and others.
manajerial, pengembangan karakter, dan lain-lain.
• Program Kerja Rutin • Routine Work Program
Fokus pengembangan human capital Bank pada The focus of the Bank’s human capital development
tahun 2022 adalah menekankan pada program in 2022 is to emphasize employee competency
pengembangan kompetensi karyawan. Guna development programs. To ensure competency
memastikan pengembangan kompetensi berjalan development goes well, the Deputy Director of Human
dengan baik, Deputy Director Human Capital telah Capital has developed the following guidelines:
membentuk panduan sebagai berikut:
160 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 161
Human Capital to Support Best Sustainability
• Memberikan pendidikan dan pelatihan untuk memenuhi kompetensi kerja karyawan; dan
Sasaran Kerja • Meningkatkan kompetensi kader Bank Artha Graha Internasional.
Work Goals • Providing education and training to meet employee work competencies; and
• Improving the competence of Bank Artha Graha Internasional cadres.
• Merencanakan dan menyelenggarakan pelatihan yang wajib untuk memenuhi kompetensi kerja karyawan;
dan
Program Kerja
• Memberikan kesempatan pelatihan mayoritas pada kader Bank Artha Graha Internasional
Work Program
• Planning and organizing mandatory training to meet employee work competencies; and
• Providing training opportunities for the majority of Bank Artha Graha Internasional cadres.
• Melaksanakan pelatihan untuk marketing dasar bagi seluruh Account Officer atau bagian lain yang ingin
menjadi Account Officer;
• Melaksanakan pelatihan CS Teller dasar bagi seluruh frontliner baru;
• Melaksanakan pelatihan Account Officer Program (AOP);
• Melaksanakan pelatihan Team Leader Development Program (TLDP); dan
• Melaksanakan pelatihan sebagai jenjang karier bagi kader: CS Teller lanjutan.
• Carrying out training for essential marketing for all Account Officers or other divisions wishing to become
Account Officers;
• Carrying out basic CS Teller training for all new front liners;
• Conducting Account Officer Program (AOP) training;
• Carrying out Team Leader Development Program (TLDP) training; and
Penerapan • Carrying out cadres’ training as a career path: advanced CS Teller.
Application Mengikuti program pelatihan lainnya yang juga perlu diikuti karyawan, seperti:
• Melaksanakan Program Pembekalan dan Uji Sertifikasi Manajemen Risiko Level 1 hingga Level 5 sesuai
jabatan dan tugasnya;
• Melaksanakan Program Refreshment Sertifikasi Manajemen Risiko untuk memenuhi kewajiban
memperpanjang sertifikat manajemen risiko yang telah dan akan jatuh tempo; dan
• Pelaksanaan Pembekalan Sertifikasi Audit Internal Bank untuk para Auditor Satuan Kerja Audit Intern.
Participate in other training programs that employees also need to participate in, such as:
• Carrying out Level 1 to Level 5 Risk Management Certification Provisioning and Testing Program according
to their position and duties;
• Carrying out the Risk Management Certification Refreshment Program to fulfill the obligation to extend the
risk management certificate that has expired and will be due; and
• Implementation of Debriefing of Bank Internal Audit Certification for Internal Audit Work Unit Auditors.
• Program Kerja Non Rutin • Non Routine Work Program
Bank Artha Graha Internasional juga telah menetapkan Bank Artha Graha Internasional has also set work
sasaran kerja program kerja non rutin di antaranya: targets for non-routine work programs, including:
1. Mendapatkan dan mempertahankan talenta 1. Getting and retaining the best talent; and
terbaik; dan
2. Peningkatan kenyamanan bekerja dan rasa 2. Increased comfort at work and a sense of belonging
memiliki (engagement). (engagement).
• Training • Training
Untuk meningkatkan kompetensi (technical dan To improve competency (technical and soft skills)
soft skill) sesuai dengan kebutuhan operasional dan following the operational and management needs of
manajemen Bank, pendidikan/pelatihan dilaksanakan the Bank, education/training is carried out in stages
secara berjenjang sehingga dapat membentuk to form and create professional employees with high
dan menciptakan karyawan yang profesional dan integrity, both through in-house training and external
mempunyai integritas yang tinggi, baik melalui in training.
house training maupun external training.
Pelatihan sudah dilakukan melalui pola penjenjangan The training has been carried out through a tiered
sebagai berikut: pattern as follows:
1. Program Pendidikan Mandatory: 1. Mandatory Education Program:
• Orientasi Karyawan Baru; • New Employee Orientation;
• Program Pendidikan Dasar CS-Teller; • CS-Teller Basic Education Program;
• Program Pendidikan Marketing Dasar; dan • Basic Marketing Education Program; and
• Program Pendidikan Operasional Dasar. • Basic Operational Education Program.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 161
Page 162
Human Capital Penopang Keberlanjutan Terbaik
2. Program Kaderisasi: 2. Regeneration Program:
• Program Pendidikan CS-Teller Tingkat Lanjutan; • Advanced CS-Teller Education Program;
• Account Officer Program (AOP); dan • Account Officer Program (AOP);
• Team Leader Development Program (TLDP). • Team Leader Development Program (TLDP).
3. Program Sertifikasi: 3. Certification Program:
• Sertifikasi Manajemen Risiko; • Risk Management Certification;
• Sertifikasi General Banking; • General Banking Certification;
• Sertifikasi Treasury Dealer; • Treasury Dealer Certification;
• Sertifikasi Kepatuhan; • Compliance Certification;
• Sertifikasi Auditor; dan • Auditor Certification; and
• Sertifikasi Lainnya: Penilaian Jaminan, dan • Other Certifications: Assurance Assessments
Frontliners. and Frontliners.
4. Pelatihan Technical Skill; 4. Technical Skill Training;
5. Pelatihan Managerial Skill; 5. Managerial Skill Training;
6. Pelatihan Soft Skill; dan 6. Soft Skill Training; and
7. Program Sosialisasi/Sharing Knowledge. 7. Knowledge Dissemination/Sharing Program.
Selama tahun 2022, jumlah karyawan yang telah mengikuti During 2022, the number of employees who have attended
pendidikan dan pelatihan adalah sebagai berikut: education and training are as follows:
Jenis Penyelenggaraan Pendidikan dan Pelatihan Types of Implementation of Education and Training
Uraian
2022 2021 2020
Description
Internal
12.212 9.767 4.227
Internal
Eksternal dalam Negeri
138 64 28
Domestic External
Jumlah
12.350 9.831 4.255
Total
Adapun cakupan materi pendidikan dan pelatihan yang The scope of education and training materials held during
diselenggarakan selama tahun 2022 terdiri dari bidang- 2022 consists of fields directly related to the banking
bidang yang berkaitan langsung dengan bisnis perbankan, business, including:
di antaranya:
Fungsi/ Pelatihan Internal Pelatihan
Bidang Tugas Internal Training Eksternal
Total (%)
Function/ Operasional Kredit Manajerial Lainnya External
Task Fields Operational Credit Managerial Others Training
Frontliner
1.576 219 68 980 14 2.857 23,13
Frontliners
Credit
618 863 131 1.831 12 3.455 27,98
Credits
Operational
253 7 98 357 19 734 5,94
Operational
Treasury, Trade
Financial
6 0 3 4 2 15 0,12
Treasury, Trade
Financial
Information
Technology
45 0 9 53 0 107 0,87
Information
Technology
162 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 163
Human Capital to Support Best Sustainability
Fungsi/ Pelatihan Internal Pelatihan
Bidang Tugas Internal Training Eksternal
Total (%)
Function/ Operasional Kredit Manajerial Lainnya External
Task Fields Operational Credit Managerial Others Training
IAU & Control
65 1 9 105 5 185 1,50
IAU & Control
Management
Trainee
408 449 0 397 0 1.254 10,15
Management
Trainees
Others 736 22 62 2.837 86 3.743 30,31
Jumlah
3.707 1.561 380 6.564 138 12.350 -
Total
% 30,02 12,64 3,08 53,15 1,12 - 100
Jumlah Jam Pendidikan Total Education Duration
Keterangan
2022 2021 2020
Description
Jumlah Jam
7.265 2.483 1.843
Number of Hours
Jumlah Pendidikan Online*)
738 783 1.339
Number of Online Education*)
Jumlah Pendidikan Offline
6.527 1.700 504
Number of Offline Education
*) masa pandemi COVID-19 *) during the COVID-19 pandemic
Tabel Pengembangan Kompetensi Berdasarkan Jenis Kelamin Table of Competency Development Based on Gender and
dan Level Jabatan Tahun 2020-2022 [OJK F.22] Position Level for 2020-2022 [OJK F.22]
Jumlah Karyawan yang
Memperoleh Pelatihan Jam Pelatihan
Uraian Number of Employees Training Hours
Remarks Receiving Training
2022 2021 2020 2022 2021 2020
Keseluruhan
12.350 9.831 4.255 7.265 2.483 1.843
Whole
Berdasarkan Gender
Based on Gender
Laki-laki
5.614 4.527 2.090 3.302 1.143 905
Male
Perempuan
6.736 5.304 2.165 3.963 1.340 938
Female
Berdasarkan kategori jabatan karyawan
Based on Employee Position Category
Wakil Presiden Senior
25 44 21 15 11 9
Senior Vice President
Wakil Presiden
29 33 22 17 8 10
Vice President
Asisten Wakil Presiden
40 61 17 24 15 7
Vice President Assistant
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 163
Page 164
Human Capital Penopang Keberlanjutan Terbaik
Jumlah Karyawan yang
Memperoleh Pelatihan Jam Pelatihan
Uraian Number of Employees Training Hours
Remarks Receiving Training
2022 2021 2020 2022 2021 2020
Manajer Senior
53 161 64 31 41 28
Senior Manager
Pengelola
98 194 51 58 49 22
Manager
Asisten Manajer Senior
328 457 165 193 115 71
Vice Senior Manager
Asisten Manajer
523 715 274 308 181 119
Vice Manager
Asisten Manajer Junior
891 901 411 524 228 178
Vice Junior Manager
Petugas Pertama
4.426 4.154 2.056 2.604 1.049 891
First Officer
Staf
5.621 2.845 987 3.307 719 428
Staff
Non-Staf
316 266 186 187 67 81
Non-Staff
Penilaian Kinerja Karyawan [GRI 404-3] Employee Performance Assessment
[GRI 404-3]
Bank Artha Graha Internasional secara berkala melakukan Bank Artha Graha Internasional regularly conducts
penilaian atau review kinerja karyawan sebagai mekanisme employee performance appraisals or reviews to give
untuk memberikan apresiasi terhadap segala jerih payah appreciation for all their efforts during the reporting
mereka selama tahun pelaporan. Mekanisme ini dilakukan year. This mechanism is implemented to realize justice,
untuk mewujudkan keadilan, dukungan, serta menetapkan support, and set achievement targets for all employees.
target pencapaian kepada seluruh karyawan. Penilaian Assessment is carried out fairly to all employees based
dilakukan secara adil kepada semua pegawai berdasarkan on work performance regardless of gender. The employee
prestasi kerja tanpa membedakan jenis kelamin. Hasil assessment results will become material for the Company
penilaian karyawan tersebut akan menjadi bahan bagi in determining remuneration and career paths.
Bank dalam menetapkan remunerasi dan jenjang karir.
• Sistem Evaluasi Karyawan • Employee Evaluation System
Bank melaksanakan evaluasi penilaian kinerja dengan The Bank carries out performance appraisal
harapan dapat menambah motivasi untuk senantiasa evaluations to increase motivation to improve
memperbaiki kinerja para karyawan. Hasil penilaian employee performance continuously. The results of this
kinerja (performance management evaluation) ini akan performance management evaluation will be combined
dikombinasikan dengan pemenuhan kompetensi teknis with the fulfillment of the technical competence of
karyawan dengan menggunakan metode Nine Grids employees using the Nine Grids method, which will
yang akan menjadi dasar untuk promosi, jenjang karier become the basis for promotions, employee career
karyawan, dan pemberian reward and recognition. paths, and provision of rewards and recognition.
Adapun penilaian kinerja (performance management The Bank implements the performance evaluation
evaluation) yang diterapkan Bank menggunakan (performance management evaluation) using the
metode Performance Management yang senantiasa Performance Management method, which is always
dilakukan setiap semester. Indikator Performance carried out every semester. Performance Management
Management adalah adanya ketersediaan indikator indicators are the availability of indicators that can be
yang dapat diukur yaitu antara lain: measured, namely:
164 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 165
Human Capital to Support Best Sustainability
1. Key Performance Indicator (KPI); 1. Key Performance Indicator (KPI);
2. Kompetensi; 2. Competence;
3. Penugasan khusus (sebagai tambahan penilaian 3. Special assignments (as an additional assessment
bagi karyawan yang mengikuti penugasan terkait for employees who take part in assignments
kepedulian di luar pekerjaan sehari-hari); dan related to care outside of daily work); and
4. Penilaian kedisiplinan. 4. Discipline Assessment.
Hasil dari penilaian berbasis kinerja ini akan digunakan The results of this performance-based assessment will
untuk rekomendasi pelatihan dan pengembangan be used for recommendations for employee training
karyawan ataupun usulan untuk promosi/mutasi/ and development or proposals for promotion/transfer/
rotasi/demosi serta reward and recognition. rotation/demotion as well as reward and recognition.
Selama tahun 2022, seluruh karyawan Bank (100%), During 2022, all Bank employees (100%), both male
baik laki-laki maupun perempuan, di seluruh level and female, at all levels of positions have received
jabatan telah mendapatkan penilaian kinerja. performance appraisals. Based on the evaluation
Berdasarkan hasil evaluasi, telah ditindaklanjuti results, it has been followed up with internal career
dengan perencanaan karir internal melalui program planning through promotion programs for 128
promosi bagi 128 orang karyawan, rotasi bagi 532 employees, rotation for 532 employees, and demotion
orang karyawan dan demosi bagi 27 orang karyawan. for 27 employees. [GRI 3-3, 404-3]
[GRI 3-3, 404-3]
• Pengembangan Karier • Career Development
Implementasi kebijakan pengembangan karier Implementing employee career development policies
karyawan memegang peranan yang sangat penting plays a crucial role in developing and increasing
dalam mengembangkan dan meningkatkan motivasi employee motivation and performance, significantly
dan kinerja karyawan, yang pada akhirnya sangat influencing the performance and value of the Bank as a
berpengaruh kepada kinerja dan nilai Bank secara whole (firm value). Career development aims to match
menyeluruh (firm value). Adapun tujuan pengembangan employees’ needs and goals with career opportunities
karier adalah untuk menyesuaikan antara kebutuhan available in the organization today and in the future.
dan tujuan karyawan dengan kesempatan karier yang
tersedia di organisasi saat ini dan di masa yang akan
datang.
Bank telah menerapkan kebijakan pengembangan The Bank has implemented a career development
karier yang diatur dalam Surat Edaran SDM policy stipulated in Circular Letter SDM No. 003.02.0
No. 003.02.0 tentang Ketentuan Promosi dan Demosi, concerning Provisions for Promotion and Demotion
dan Ketentuan Pelaksanaan Talent Management dalam and Provisions for Implementing Talent Management
SE SDM 047.01.1. Berdasarkan kebijakan tersebut, in SE SDM 047.01.1. Based on this policy, the Bank
Bank memberikan peluang atau kesempatan yang provides equal opportunities or opportunities for all
sama kepada seluruh karyawan untuk mengembangkan employees to develop careers based on competence
karier berdasarkan kompetensi dan kebutuhan. and needs.
Bank mengelola human capital berbasis strategi dan The Bank manages human capital based on business
rencana bisnis serta budaya kerja Bank. Strategi rencana strategies and plans as well as the Bank’s work culture.
bisnis dan budaya kerja tersebut diformulasikan The strategic business plan and work culture are
ke dalam Key Performance Indicator (KPI) dengan formulated into Key Performance Indicators (KPI)
target kinerja sebagai dasar untuk pengukuran kinerja with performance targets for measuring employee
karyawan dan sistem rewards & punishment. Dengan performance and a reward & punishment system.
demikian, pengelolaan human capital di Bank sejalan Thus, the management of human capital in the Bank is
dengan visi ke depan. in line with the future vision.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 165
Page 166
Human Capital Penopang Keberlanjutan Terbaik Hubungan Industrial dan Kebebasan Industrial Relations and Freedom of Berserikat [GRI 407-1] Association [GRI 407-1] Bank Artha Graha Internasional memberikan kebebasan Bank Artha Graha Internasional provides freedom for all kepada semua karyawan untuk berserikat dan berkumpul, employees to associate and assemble and join a labor serta masuk dalam organisasi serikat pekerja. Kebebasan union organization. Freedom of association and assembly, berserikat dan berkumpul, bahkan mendirikan serikat even establishing a labor union, allows employees to pekerja, merupakan media bagi karyawan untuk express opinions and fight for their rights. Respecting and berpendapat dan memperjuangkan hak-haknya. upholding employee rights is one of the keys to building Menghormati dan menjunjung tinggi hak karyawan a harmonious relationship between the Bank and its merupakan salah satu kunci untuk membangun hubungan employees. yang harmonis Bank dengan pegawainya. Penghargaan tersebut sekaligus merupakan bentuk An award is also a form of the Bank’s compliance with kepatuhan Bank terhadap Pasal 28E ayat (3) Undang- Article 28E paragraph (3) of the 1945 Constitution of Undang Dasar Negara Republik Indonesia Tahun 1945 the Republic of Indonesia, which affirms that “Everyone yang menegaskan bahwa “Setiap orang berhak atas has the right to freedom of association, assembly, and kebebasan berserikat, berkumpul, dan mengeluarkan expression of opinion”, Law No. 21 of 2000 concerning pendapat”, Undang-Undang No. 21 tahun 2000 tentang Trade Unions, and ILO (International Labour Organization) Serikat Pekerja, dan Konvensi ILO (International Labour Convention No. 87 of 1948 concerning Freedom of Organization) No. 87 tahun 1948 tentang Kebebasan Association and Protection of the Right to Organize. Berserikat dan Perlindungan Hak untuk Berorganisasi. Saat ini, Serikat Pekerja Bank Artha Graha Internasional Currently, the Bank Artha Graha Internasional Workers atau IKAJIH (Ikatan Karyawan Artha Graha & Jakarta Union or IKAJIH (Jakarta International Hotel Development International Hotel Development) Bank Artha Graha and Artha Graha Employees Association) Bank Artha Internasional merupakan serikat pekerja yang dibentuk Graha Internasional is a labor union that established good untuk menjalin hubungan yang baik antara Bank dan relations between the Bank and employees to create good karyawan sehingga tercipta hubungan industrial yang industrial relations. Apart from being free to become baik. Selain bebas untuk menjadi anggota IKAJIH, IKAJIH members, employees also have the freedom to karyawan juga memiliki kebebasan untuk menyampaikan express their aspirations through IKAJIH and be active in aspirasi melalui IKAJIH, serta beraktivitas dalam kegiatan IKAJIH activities. As of December 31, 2022, there were IKAJIH. Per 31 Desember 2022, anggota IKAJIH tercatat 1,487 IKAJIH members. sebanyak 1.487 orang. Menyadari pentingnya menciptakan hubungan yang Recognizing the importance of creating harmonious harmonis guna mencapai kesejahteraan bersama, Bank relationships to achieve mutual prosperity, the Bank dan IKAJIH telah menyepakati penyusunan Perjanjian and IKAJIH have agreed to prepare a Collective Labor Kerja Bersama (PKB). Perjanjian tersebut memuat hak dan Agreement (PKB). The agreement contains the rights and kewajiban masing-masing pihak sehingga mengurangi obligations of each party to reduce the risk of disputes in risiko perselisihan dalam hubungan industrial. [GRI 2-30] industrial relations. [GRI 2-30] Komitmen Bank untuk memberikan kebebasan kepada The Bank’s commitment to giving freedom to employees karyawan untuk berserikat dan berkumpul, termasuk to associate and assemble, including forming labor membentuk serikat pekerja, membuktikan bahwa tidak unions, proves that there is no significant risk of violations ada risiko signifikan terhadap pelanggaran kebebasan of freedom of association or collective bargaining in the berserikat atau perundingan kolektif pada tahun reporting year by Bank Artha Graha Internasional. pelaporan oleh Bank Artha Graha Internasional. [GRI 3-3, 407-1] [GRI 3-3, 407-1] 166 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 167
Human Capital to Support Best Sustainability
Penyampaian dan Penyelesaian Keluhan Submission and Resolution of Complaints
Sesuai dengan prinsip hubungan industrial yang baik, Following the principles of good industrial relations,
setiap karyawan Bank berhak menyampaikan pendapat, every Bank employee has the right to express opinions,
memperoleh keterangan mengenai Bank, pekerjaan serta obtain information about the Bank, and work and work
hubungan kerja dalam batas-batas yang telah ditetapkan connections within limits set by the Bank. How to convey
Bank. Cara menyampaikan pendapat, saran, keterangan thoughts, suggestions, and information can be verbally or
dapat secara lisan maupun tertulis kepada atasan langsung in writing to the direct supervisor, who will forward it to
yang akan meneruskan ke bagian yang berwenang. the authorized section.
Karyawan wajib menyampaikan dengan cara yang baik Employees must convey reasonably and appropriately
dan tepat serta memberikan saran atas permasalahan and provide advice on the problems they ask about. The
yang ditanyakannya. Adapun tata cara penyelesaian keluh procedures for resolving complaints are as follows:
kesah adalah sebagai berikut:
a. Setiap keluhan karyawan harus dibicarakan dan/ a. Every employee complaint must be discussed and/
atau diselesaikan dengan atasan langsung yang or resolved with the authorized direct supervisor;
berwenang;
b. Bila keluhan atau masalah tidak bisa diselesaikan b. If the direct supervisor cannot resolve the complaint
oleh atasan langsung, maka dengan sepengetahuan or problem, then with the supervisor’s knowledge,
atasannya, karyawan yang bersangkutan dapat the employee concerned can convey his complaint
menyampaikan keluhan atau pengaduannya pada or complaint to a higher authorized superior orally
atasan yang berwenang yang lebih tinggi secara or in writing;
lisan atau tertulis;
c. Bila langkah kedua menemui jalan buntu, karyawan c. If the second step is deadlocked, the employee
yang bersangkutan dapat meneruskan keluhan/ concerned can continue the complaint/complaint
pengaduannya, dan menyelesaikan bersama and resolve it with the Industrial Relations
bagian Hubungan Industrial; department;
d. Setelah dirundingkan dengan sungguh-sungguh d. After serious negotiations, it turns out that there
ternyata masih terdapat perbedaan pendapat are still differences of opinion that cannot be
yang tidak dapat diselesaikan secara mufakat, resolved by consensus, these differences of opinion
perbedaan pendapat ini dianggap sebagai are considered labor disputes, and their resolution
perselisihan perburuhan dan penyelesaiannya can be pursued by referring to the applicable laws
dapat ditempuh dengan berpedoman kepada and regulations; and
peraturan perundang-undangan yang berlaku; dan
e. Selama proses penyelesaian, kedua belah pihak e. During the settlement process, both parties must
wajib menjaga supaya kegiatan Bank tetap ensure that the Bank’s activities continue smoothly
berlangsung lancar dan aman. and safely.
Dalam menghadapi perselisihan atau masalah di dalam The Bank prioritizes consensus deliberation and a familial
lingkungan kerja, Bank mengutamakan musyawarah approach to find the best solution in dealing with disputes
mufakat dan pendekatan kekeluargaan untuk mencari or problems in the work environment. It is possible that the
solusi penyelesaian yang terbaik. Meskipun tidak tertutup existing problems must be resolved legally. Throughout
kemungkinan masalah yang ada harus diselesaikan 2022, the Bank did not receive employee complaints
secara hukum. Sepanjang tahun 2022, Bank tidak regarding employment issues.
mendapat pengaduan dari karyawan terkait masalah
ketenagakerjaan.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 167
Page 168
Human Capital Penopang Keberlanjutan Terbaik
Survei Kepuasan Karyawan Employee Satisfaction Survey
Bank Artha Graha Internasional secara berkala Bank Artha Graha Internasional regularly evaluates the
mengevaluasi kinerja pengelolaan human capital sehingga performance of human capital management to improve
dapat meningkatkan kinerja Bank secara keseluruhan. the Bank’s overall performance. The evaluation is carried
Evaluasi dilakukan dengan melakukan survei kepuasan out by conducting an employee satisfaction survey. The
karyawan. Hasil survei tahun 2022 menunjukkan sebanyak results of the 2022 survey show that as many as 71,01% of
71,01% karyawan menyatakan puas bekerja di Bank. Hal employees stated that they were satisfied working at the
ini menunjukkan penurunan dibandingkan tahun 2021 Bank, decreased compared to 2021, with a satisfaction
dengan skor kepuasan sebesar 71,04%. score of 71.04%.
Tabel Hasil Survei Kepuasan Karyawan Tahun 2020-2022 Table of Results of the Employee Satisfaction Survey
in 2020-2022
Tahun Survei Kepuasan Karyawan
Year Employee Satisfaction Survey
2022 71,01%
2021 71,04%
2020 72,36%
168 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 169
Human Capital to Support Best Sustainability
“Kemajuan tidak mungkin terjadi
tanpa perubahan, dan mereka yang
tidak dapat mengubah pikiran mereka
tidak dapat mengubah apa pun.”
“Progress is impossible without change, and those
who cannot change their minds cannot change
anything.”
George Bernard Shaw
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 169
Page 170
Human Capital Penopang Keberlanjutan Terbaik 170 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 171
J u d u l
Page 172
Mengutamakan Kesehatan dan Keselamatan Kerja Mengutamakan Kesehatan dan Keselamatan Kerja [OJK F.21] Prioritize Occupational Health and Safety [OJK F.21] Kesehatan dan Keselamatan Kerja (K3) merupakan Occupational Health and Safety (OHS) is one of the salah satu prioritas bagi Bank Artha Graha Internasional priorities for Bank Artha Graha Internasional in business dalam menjalankan operasional usaha. Kebijakan untuk operations. The OHS priority policy reflects the company’s mengutamakan K3 merupakan cerminan dan tanggung responsibility toward employees and other Bank office jawab Perseroan terhadap karyawan dan pemangku stakeholders. kepentingan lain yang berada di kantor Bank. Upaya mewujudkan K3 dilakukan Perseroan dengan Efforts to realize OHS are carried out by the company mengadopsi berbagai regulasi yang relevan, disertai by adopting various relevant regulations, along with komitmen manajemen dan karyawan untuk menerapkan the commitment of management and employees to regulasi tersebut secara optimal. Dengan implementasi implement these regulations optimally. With such seperti itu, maka akan tercipta lingkungan kerja yang an implementation, a safe and comfortable work aman dan nyaman sehingga semua layanan Bank berjalan environment will be created so that all Bank services run dengan baik. Secara khusus, karyawan akan merasa well. In particular, employees will feel calmer in carrying lebih tenang dalam menjalankan tugas dan tanggung out their duties and responsibilities and even motivated jawabnya, bahkan termotivasi untuk meningkatkan kinerja to improve their performance and productivity. Improving dan produktivitasnya. Peningkatan kinerja karyawan employee performance collectively will encourage better secara kolektif akan mendorong pencapaian kinerja Bank Bank performance in realizing the targets that have been yang lebih baik dalam mewujudkan target-target yang set. telah ditetapkan. Adapun tujuan Perseroan menghadirkan lingkungan The company aims to present a healthy and safe work kerja yang sehat dan aman sesuai kaidah K3 adalah environment by OHS rules, namely minimizing all work meminimalkan semua risiko kerja sehingga tidak terjadi risks so that there are no work accidents (zero accidents) kecelakaan kerja (zero accident) maupun penyakit akibat or work-related injuries. The company believes that the kerja. Perseroan meyakini, sekecil apapun kecelakaan slightest work accident will impact achieving the Bank’s kerja akan berdampak terhadap pencapaian target yang Business Plan (RBB) targets. telah ditetapkan dalam Rencana Bisnis Bank (RBB). Landasan Kebijakan Policy Foundation Komitmen untuk merealisasikan lingkungan kerja The commitment to realize a proper and safe work yang layak dan aman sesuai kaidah K3 dilakukan environment following OHS principles is carried out by the Bank dengan mengacu pada serangkaian peraturan Bank concerning a series of regulations and laws governing dan perundang-undangan yang mengatur tentang occupational health and safety and their derivatives, kesehatan dan keselamatan kerja beserta turunannya including Law No. 1 of 1970 concerning Work Safety, Law antara lain Undang-Undang No. 1 Tahun 1970 tentang No. 23 of 1992 concerning Health; Law No. 13 of 2003 Keselamatan Kerja; Undang-Undang No. 23 tahun 1992 concerning Manpower; Law No. 11 of 2020 concerning tentang Kesehatan; Undang-Undang No. 13 Tahun Job Creation; and Regulation of the Minister of Health 2003 tentang Ketenagakerjaan; Undang-Undang No. 11 of the Republic of Indonesia No. 48 of 2016 concerning Tahun 2020 tentang Cipta Kerja; dan Peraturan Menteri Office Occupational Safety and Health Standards. Based 172 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 173
Prioritizing Occupational Health and Safety Kesehatan Republik Indonesia No. 48 Tahun 2016 tentang on the various regulations above, the Bank then formulates Standar Keselamatan dan Kesehatan Kerja Perkantoran. internal policies, including PAP 80301.03.0, concerning Berdasarkan berbagai regulasi di atas, selanjutnya Building Maintenance and Security. Bank merumuskan kebijakan internal di antaranya PAP 80301.03.0 perihal Pemeliharaan dan Pengamanan Gedung. Standar Keselamatan dan Kesehatan Kerja Office Occupational Safety and Health Perkantoran [GRI 3-3] Standards [GRI 3-3] Perseroan menyadari bahwa perkantoran sebagai salah The Company realizes that an office as a place of work satu tempat kerja tidak terlepas dari berbagai potensi is inseparable from various potential work environment bahaya lingkungan kerja yang dapat memengaruhi hazards that can affect the safety and health of the keselamatan dan kesehatan para karyawan di dalamnya. employees in it. For this reason, the Bank adopted multiple Untuk itu, Bank mengadopsi berbagai regulasi yang regulations related to OHS, including the Regulation of berkaitan dengan K3, di antaranya Peraturan Menteri the Minister of Health of the Republic of Indonesia No. 48 Kesehatan Republik Indonesia No. 48 Tahun 2016 tentang of 2016 concerning Office Occupational Safety and Health Standar Keselamatan dan Kesehatan Kerja Perkantoran, Standards, which regulates the Office Occupational Safety yang di dalamnya mengatur tentang Sistem Manajemen and Health Management System. This regulation was Keselamatan dan Kesehatan Kerja Perkantoran (SMK3 adopted to manifest the Bank’s commitment to creating Perkantoran). Peraturan ini diadopsi sebagai perwujudan a healthy, safe, comfortable office to realize healthy, safe, komitmen Bank mewujudkan kantor yang sehat, aman, fit, performing, and productive employees to achieve zero dan nyaman demi terwujudnya karyawan sehat, selamat, accident rates and no work-related injuries. bugar, berkinerja, dan produktif, sehingga tercapai angka kecelakaan kerja nihil (zero accident) dan tidak ada penyakit akibat kerja. Sejalan dengan itu, Bank juga memiliki mitigasi risiko In line with that, the Bank also has risk mitigation related terkait keamanan, baik aset maupun operasional to security, both assets and business operations. OHS risk bisnis. Identifikasi risiko K3 dilaksanakan dengan identification is carried out by considering all activities mempertimbangkan segala aktivitas di tempat kerja, in the workplace, such as routine activities, non-routine seperti aktivitas rutin, non-rutin, kondisi darurat, dan activities, emergency conditions, and activities for all aktivitas terhadap semua orang yang mempunyai akses people who have access to the work area (including ke area kerja (termasuk pelaksana pekerjaan sementara temporary work workers and visitors), as well as the dan pengunjung), juga kelengkapan sarana, prasarana, completeness of facilities, infrastructure, and equipment dan peralatan yang ada di area kerja Bank. Sarana dan in the work area of the Bank. Facilities and infrastructure prasarana untuk sistem perlindungan/pengamanan for building protection/security systems from fires, for bangunan gedung dari kebakaran misalnya, Perseroan example, the Company provides Light Fire Extinguishers menyediakan Alat Pemadam Api Ringan (APAR); Alat (APAR); Wheeled Heavy Fire Extinguisher (APAB); fire Pemadam Api Berat (APAB) yang menggunakan roda; alarm systems; yard hydrants; automatic sprinkler systems; sistem alarm kebakaran; hydrant halaman; sistem sprinkler smoke control systems; etc. otomatis; sistem pengendalian asap; dan sebagainya. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 173
Page 174
Mengutamakan Kesehatan dan Keselamatan Kerja Tak sekadar melengkapi dengan sarana dan prasarana, Not only providing facilities and infrastructure, but the Perseroan juga berupaya semaksimal mungkin Company also makes every effort to involve employees melibatkan karyawan maupun mitra kerja dalam upaya and partners in developing and implementing OHS, such pengembangan dan implementasi K3, seperti latihan as training in handling building fires, earthquakes, etc. The penanganan kebakaran gedung, gempa, dan sebagainya. Bank also continuously provides training to employees Bank juga senantiasa memberikan pelatihan kepada related to OHS in collaboration with related agencies and karyawan terkait K3 bekerja sama dengan instansi dan institutions. Meanwhile, for the completeness of facilities lembaga terkait. Sementara itu, untuk kelengkapan and infrastructure in buildings, the Company completes sarana dan prasarana pada bangunan gedung, Perseroan them by providing supporting facilities such as treatment melengkapinya dengan menyediakan fasilitas pendukung and care rooms, training rooms, kitchen rooms, prayer seperti ruang pengobatan dan perawatan, ruang pelatihan, rooms, meeting rooms, running tracks in the office to ruang dapur, ruang ibadah, ruang rapat, lintasan lari di maintain employee health, toilets, parking lots, trash can, kantor untuk menjaga kesehatan karyawan, toilet, tempat and others. In addition, for social needs and channeling parkir, tempat sampah, dan lain-lain. Selain itu, untuk employee interests, the Bank also provides sports, arts, kebutuhan sosial dan menyalurkan minat karyawan, Bank and cultural activities. In connection with the COVID-19 juga menyediakan kegiatan olahraga, seni dan budaya. pandemic, despite its sloping trend, the Bank continues Berkaitan dengan pandemi COVID-19, walau sudah several procedures such as measuring temperature, using menunjukkan tren melandai, Bank tetap melanjutkan masks, maintaining distance, and using hand sanitizers. sejumlah prosedur seperti pengukuran suhu, penggunaan masker, menjaga jarak, dan penggunaan hand sanitizer. Adapun layanan kesehatan yang disediakan Perseroan The health services provided by the Company include antara lain menyertakan karyawan dalam program employees in the inpatient insurance program and BPJS asuransi rawat inap dan BPJS Kesehatan. Kebijakan Kesehatan. This policy guarantees the safety and health tersebut memberi jaminan keselamatan dan kesehatan of employees, thereby reducing the financial burden on kepada karyawan sehingga mengurangi beban karyawan employees. Apart from that, there is also the participation secara finansial. Selain itu, juga terdapat keikutsertaan of the Employment BPJS Program, which includes four Program BPJS Ketenagakerjaan yang mencakup empat programs: JKK: Work Accident Insurance; JKM: Death program, yaitu JKK: Jaminan Kecelakaan Kerja; JKM: Guarantee; JHT: Old Age Guarantee; and JP: Pension Jaminan Kematian; JHT: Jaminan Hari Tua; dan JP: Guarantee. Jaminan Pensiun. 174 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 175
Prioritizing Occupational Health and Safety
Kinerja K3 Tahun 2022 [GRI 3-3, 403-9] OHS Performance in 2022 [GRI 3-3, 403-9]
Selama tahun 2022, manajemen dan karyawan Bank telah During 2022, the Bank’s management and employees have
berupaya secara maksimal untuk menjalankan program tried to carry out the OHS program. OHS performance
K3. Kinerja K3 hingga akhir tahun pelaporan adalah until the end of the reporting year is as follows:
sebagai berikut:
Tabel Jumlah Kejadian Kecelakaan tahun 2020-2022 Table of Number of Accidents in 2020-2022
Tingkat Kecelakaan Kerja
2022 2021 2020
Work Accident Rate
Ringan
0 0 0
Minor Accident
Sedang
2 0 0
Moderate Accident
Berat
1 2 1
Heavy Accident
Fatalitas/Kematian
0 0 0
Fatality/Death
Jumlah
3 2 1
Total
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 175
Page 176
Page 177
j u d u l
Page 178
Memberikan Pelayanan Terbaik untuk Kepuasan Nasabah
Memberikan Pelayanan Terbaik untuk Kepuasan
Nasabah
Giving the Best Service for Customer Satisfaction
Nasabah merupakan salah satu pemangku kepentingan The customer is one of the main stakeholders for Bank
utama bagi Bank Artha Graha Internasional. Dukungan dan Artha Graha Internasional. Their support and presence
keberadaan mereka sangat menentukan perkembangan determine the development and sustainability of the
dan keberlangsungan Bank. Semakin banyak nasabah Bank. The more customers own and manage to maintain
yang dimiliki dan berhasil dijaga kepercayaannya, maka their trust, the more sustainable the Bank’s business will
keberlangsungan usaha Bank akan lebih terjamin. Begitu be guaranteed - Vice versa.
pula sebaliknya.
Posisi dan kedudukan nasabah yang begitu penting Customers’ vital position and status encourage the Bank
mendorong Bank untuk terus berupaya memberikan to continue striving to provide the best products and
produk dan layanan terbaik kepada mereka. Layanan services. The best service is carried out by banks through
terbaik dilakukan bank melalui berbagai kebijakan, seperti various measures, such as providing equal service,
memberikan layanan setara, memberikan informasi providing complete information, innovating products/
secara lengkap, melakukan inovasi produk/jasa, menjaga services, maintaining customer data confidentiality, and
kerahasiaan data nasabah, dan sebagainya. so on.
Landasan Kebijakan Policy Foundation
Komitmen Bank untuk memberikan layanan terbaik The Bank’s commitment to providing the best service to
kepada nasabah merujuk pada beberapa regulasi customers refers to several regulations, including Law
antara lain Undang-Undang No. 8 Tahun 1999 tentang No. 8 of 1999 concerning Consumer Protection
Perlindungan Konsumen (Lembaran Negara Republik (State Gazette of the Republic of Indonesia of 1999
Indonesia Tahun 1999 No. 22, Tambahan Lembaran Negara No. 22, Supplement to the State Gazette of the Republic
Republik Indonesia No. 3821), Peraturan Otoritas Jasa of Indonesia No. 3821), Financial Services Authority
Keuangan No. 6/POJK.07/2022 tentang Perlindungan Regulation No. 6/POJK.07/2022 concerning Consumer and
Konsumen Dan Masyarakat Di Sektor Jasa Keuangan dan Community Protection in the Financial Services Sector and
Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 17/ Financial Services Authority Circular Letter (SEOJK) No. 17/
SEOJK.07/2018 tentang Pedoman Pelaksanaan Layanan SEOJK.07/2018 concerning Guidelines for Implementing
Pengaduan Konsumen Di Sektor Jasa Keuangan. Consumer Complaint Services in the Financial Services
Sector.
Layanan Setara untuk Nasabah [OJK F.17] Equivalent Services for Customers [OJK F.17]
Bank Artha Graha Internasional senantiasa memahami Bank Artha Graha Internasional always understands the
kebutuhan seluruh nasabah dan selalu memberikan needs of all customers and always provides the best
pelayanan yang terbaik. Di tengah era digital dan service. During the current digital and technological
teknologi saat ini, Bank terus menyesuaikan kebutuhan era, the Bank continues to adapt to customer needs
nasabah dengan memberikan beragam kemudahan serta by providing various conveniences while maintaining
tetap menjaga keamanan Nasabah. Hal ini penting guna customer security. This is important to maintain customer
menjaga kepercayaan dan loyalitas nasabah. trust and loyalty.
178 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 179
Providing the Best Service for Customer Satisfaction Dalam memberikan pelayanan kepada nasabah, Bank In providing customer services, Bank Artha Graha Artha Graha Internasional berkomitmen memperlakukan Internasional is committed to treating all customers in an seluruh nasabah secara inklusif, setara tanpa memandang inclusive, equal manner regardless of religious, ethnic, latar belakang agama, suku, etnis, gender, politik gender, political, and other discriminatory backgrounds. dan lainnya yang bersifat diskriminatif. Kesetaraan Equality is also given to customers with special needs, juga diberikan kepada nasabah berkebutuhan khusus, including those with disabilities. termasuk mereka yang mengalami disabiltas. Implementasi kesetaraan dalam pelayanan merupakan Implementing equality in service is the Bank’s commitment komitmen Bank dalam menyelenggarakan tata kelola to implementing good corporate governance and perusahaan yang baik, sekaligus ketaatan terhadap compliance with applicable regulations. These provisions ketentuan yang berlaku. Ketentuan itu antara lain POJK include POJK No. 6/POJK.07/2022 concerning Consumer No. 6/POJK.07/2022 tentang Perlindungan Konsumen and Community Protection in the Financial Services Dan Masyarakat Di Sektor Jasa Keuangan dimana pada Sector where in Article 35, paragraph 1, there is a clause pasal 35 ayat 1 terdapat klausul “PUJK wajib memberikan that “PUJK is required to provide equal access to every akses yang setara kepada setiap konsumen sesuai consumer according to consumer classification”. klasifikasi konsumen”. Informasi Produk dan Layanan [GRI 417-2] Product and Service Information [GRI 417-2] Informasi tentang produk dan layanan (pelabelan) secara Complete information about products and services lengkap merupakan hak mendasar bagi nasabah. Berbekal (labeling) is a fundamental right for customers. With an pemahaman tentang produk dan layanan itulah, nasabah understanding of products and services, customers can bisa memilih produk dan layanan yang sesuai dengan choose products and services that suit their needs. The kebutuhannya. Bank berupaya semaksimal mungkin Bank tries to fulfill these rights through various programs untuk memenuhi hak tersebut melalui berbagai program and policies. At each branch office, for example, the Bank dan kebijakan. Di setiap kantor cabang misalnya, Bank provides written product and service information regarding menyediakan informasi produk dan layanan secara tertulis product characteristics by using an easy-to-read font type mengenai karakteristik produk dengan menggunakan and size and contrasting font color with the background jenis dan ukuran huruf yang mudah dibaca dan warna color in a location easily accessible to customers. Likewise, tulisan yang kontras dengan warna latar pada lokasi yang if there are changes to the characteristics of the Bank’s mudah diakses oleh nasabah. Begitu pula apabila terdapat products. Moreover, if a customer requires additional perubahan terhadap karakteristik produk Bank. Lebih dari information, personnel at the branch office are also ready itu, apabila nasabah memerlukan informasi tambahan, to provide the information that the customer needs. personel di kantor cabang juga siap memberikan informasi yang dibutuhkan nasabah tersebut. Selain itu, untuk mempermudah pelayanan dan akses In addition, to facilitate service and access to customers, kepada nasabah, Bank juga melakukan sosialisasi the Bank also disseminates products and services through mengenai produk dan layanan melalui berbagai media various media and programs, among others: [GRI 3-3] dan program, di antaranya: [GRI 3-3] a. Media elektronik: website, videotron, dan televisi. a. Electronic media: websites, Videotron, and television. b. Media cetak: spanduk dan billboard. b. Print media: banners and billboards. c. Media lainnya: media sosial, pameran dan kerja sama c. Other media: social media, exhibitions, and cooperation antar lembaga. between institutions. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 179
Page 180
Memberikan Pelayanan Terbaik untuk Kepuasan Nasabah Kesungguhan Bank dalam memberikan informasi tentang The Bank’s seriousness in providing information about produk dan layanan kepada nasabah membawa hasil products and services to customers has brought positive positif dengan tidak adanya insiden ketidakpatuhan results, with no incidents of non-compliance related terkait regulasi tentang pelabelan dan informasi produk/ to regulations regarding product/service labeling and jasa. Dengan demikian, selama tahun pelaporan, Bank information. Thus, during the reporting year, the Bank did tidak menerima denda, hukuman, maupun peringatan not receive fines, penalties, or warnings from regulators dari regulator terkait ketidakpatuhan terhadap regulasi regarding non-compliance with product information and tentang informasi dan pelabelan produk. [GRI 417-2] labeling regulations. [GRI 417-2] Inovasi dan Pengembangan Produk/Jasa Product/Service Innovation and [OJK F.26] Development [OJK F.26] Inovasi dan pengembangan produk/jasa merupakan salah Product/service innovation and development is one of satu kunci bagi Bank untuk menjaga tingkat kepercayaan the keys for the Bank to maintain the level of customer nasabah, sekaligus mengukuhkan komitmen Bank trust while simultaneously strengthening the Bank’s untuk menjalankan usaha dengan memenuhi Kriteria commitment to running a business by meeting the Kegiatan Usaha Berkelanjutan (KKUB). Di antara inovasi Criteria for Sustainable Business Activities (KKUB). Among yang dilakukan Bank adalah menawarkan kemudahan the innovations made by the Bank is to offer convenience kepada nasabah agar bisa melakukan transaksi dimana to customers so they can make transactions anywhere saja dan kapan saja melalui digitalisasi. Bagi Bank, fokus and anytime through digitization. For the Bank, the focus pengembangan melalui platform digital menjadi suatu on development through digital platforms is a must to keharusan untuk dapat menjangkau pangsa pasar yang reach a wider market share by prioritizing convenience lebih luas dengan mengedepankan kemudahan bagi for customers in conducting financial and non-financial nasabah dalam melakukan transaksi finansial maupun transactions. non-finansial. Sejak tahun 2017, Bank sudah mulai menyiapkan langkah Since 2017, the Bank has started preparing strategic strategis dalam membangun infrastruktur teknologi steps in building technology infrastructure and digital- serta produk berbasis digital yang dapat diakses oleh based products that customers can access. Various nasabah. Berbagai macam produk inovatif dikembangkan innovative products were developed based on customer atas dasar kebutuhan nasabah serta peluang dalam needs and opportunities to reach a broader range of menjangkau nasabah lebih luas lagi dengan berpedoman customers by referring to the Payment System Blueprint terhadap BluePrint Sistem Pembayaran dari Bank from Bank Indonesia. Some of the innovations that have Indonesia. Beberapa inovasi yang telah dilakukan antara been made include developing mobile banking, laku lain pengembangan mobile banking, laku pandai, ATM pandai, ATM with chip technology and GPN (National dengan teknologi Chip dan GPN (Gerbang Pembayaran Payment Gateway), BI FAST services, implementing APIs, Nasional), Layanan BI FAST, penerapan API, serta and implementing QRIS. In 2021, implementing QRIS Implementasi QRIS. Pada tahun 2021, implementasi QRIS (Quick Response Indonesian Standard) will be the first (Quick Response Indonesian Standard) menjadi langkah step in expanding the Bank’s merchant network, which is awal dalam memperluas jaringan merchant Bank yang spread across all regions in Indonesia. Furthermore, since tersebar di seluruh wilayah di Indonesia. Selanjutnya, sejak it was implemented in March 2022, the number of Bank diimplementasikan pada Maret 2022, jumlah merchant merchants who have joined and collaborated in Bank Bank yang tergabung dan bekerja sama dalam jaringan Artha Graha Internasional QRIS network until the end of QRIS Bank Artha Graha Internasional hingga akhir tahun 2022, there were more than 22 thousand merchants with 2022, tercatat lebih dari 22 ribu merchant dengan lebih 1.2 million transaction volumes and a nominal transaction dari 1,2 juta transaksi dengan nominal lebih dari Rp110 of IDR110 billion. miliar. 180 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 181
Providing the Best Service for Customer Satisfaction Pertumbuhan jumlah merchant yang pesat menjadi The rapid growth in the number of merchants is proof that bukti bahwa kebutuhan sistem pembayaran berbasis the need for a digital-based payment system is in demand digital diminati oleh masyarakat untuk mendukung bisnis by the public to support their business. With this QRIS usahanya. Dengan program QRIS ini, Bank berharap program, the Bank hopes to help increase transactions dapat membantu meningkatkan transaksi untuk pelaku for MSMEs business actors by providing payment system usaha UMKM melalui penyediaan perangkat sistem devices. In the future, to advance the MSMEs business, pembayaran. Kedepannya guna dapat memajukan usaha Banks can channel funds for the business capital needs of UMKM, Bank dapat menyalurkan dana untuk kebutuhan MSME players in line with customer transaction behavior. modal usaha pelaku UMKM sejalan dengan perilaku transaksi nasabah. Penguatan dalam kolaborasi partner untuk membentuk Strengthening partner collaboration to form Business to kerja sama bisnis Business to Business to Customer Business to Customer (B2B2C) business collaborations (B2B2C) agar dapat membentuk ekosistem digital yang to create a profitable digital ecosystem with business menguntungkan dengan mitra bisnis juga terus dilakukan. partners is also continuing. The Bank also carried out other Hal strategis yang lain juga dilakukan Bank dengan strategic matters by strengthening information technology melakukan penguatan di sisi infrastruktur teknologi infrastructure to bridge the increase in transactions in informasi untuk menjembatani peningkatan transaksi line with the number of business partners. In addition, seiring dengan penambahan jumlah partner bisnis. Selain the addition of Application Programming Interface (API) itu, penambahan fitur layanan Application Programming service features is also continuing to meet business Interface (API) juga terus dilakukan untuk memenuhi partners’ needs, including by standardizing open API with kebutuhan mitra bisnis di antaranya dengan melakukan BI SNAP certification (National Open API Payment System standarisasi open API dengan sertifikasi BI SNAP (Standar Standard). With this API, banks synergize with partners for Nasional Open API Sistem Pembayaran). Dengan adanya business expansion through system integration to form a API ini, bank bersinergi bersama dengan mitra untuk mutually beneficial digital ecosystem. perluasan bisnis melalui integrasi sistem untuk membentuk ekosistem digital yang saling menguntungkan. Inovasi lain dilakukan Bank pada 2022, yaitu pengembangan The Bank carries out another innovation in 2022, produk pada channel mobile banking dengan melakukan product development on the mobile banking channel transformasi menjadi Digital Apps dengan produk brand by transforming it into Digital Apps with the AGI brand AGI. Perubahan branding dilakukan untuk memperkuat product. Branding changes were made to strengthen a identity dan persona baru agar dapat menarik masyarakat new identity and persona to attract the general public. umum. Selain itu, juga dilakukan pengembangan fitur, In addition, feature development, product simplification, simplifikasi produk, serta penentuan UI/UX (User Interface/ and UI/UX (User Interface/User Experience) determination User Experience) dimana kebutuhan nasabah menjadi are also carried out where the customer needs to form dasar dalam melakukan pengembangan. Penambahan the basis for development. Adding features supporting fitur yang mendukung keuangan berkelanjutan juga sustainable finance is also a consideration to become menjadi pertimbangan untuk menjadi unique selling point a particularly unique selling point for the Bank and the tersendiri bagi Bank dan masyarakat umum. Salah satu general public. One feature in line with social activities is fitur yang sejalan dengan kegiatan sosial kemasyarakatan the presence of the Donation feature in collaboration with dengan hadirnya fitur Donasi yang bekerja sama dengan Artha Graha Peduli (AGP) in accordance with the third Artha Graha Peduli (AGP) sesuai dengan pilar ketiga social pillar. Besides that, through the AGI application, the sosial kemasyarakatan. Disamping itu, melalui aplikasi Bank supports government programs to tackle COVID by agi pula, Bank mendukung program pemerintah untuk presenting the Peduli Lindungi feature in collaboration menanggulangi COVID dengan menghadirkan fitur Peduli with the Ministry of Health and vaccine registration with Lindungi bekerja sama dengan Kementrian Kesehatan serta ArthaKes. pendaftaran vaksin dengan melalui kerja sama dengan ArthaKes. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 181
Page 182
Memberikan Pelayanan Terbaik untuk Kepuasan Nasabah Produk yang telah Dievaluasi Keamanannya Products that have been Evaluated for Bagi Nasabah [OJK F.27] Safety for Customers [OJK F.27] Kepatuhan terhadap regulasi di industri perbankan Compliance with regulations in the banking industry is merupakan prinsip yang dipegang teguh Bank Artha a principle upheld by Bank Artha Graha Internasional, Graha Internasional, termasuk dalam menawarkan produk including in offering products and services to customers. dan jasa kepada nasabah. Dalam prosesnya, semua produk In the process, all products and services offered by the dan jasa yang ditawarkan Bank telah memenuhi semua Bank have met all requirements and received approval persyaratan dan mendapatkan persetujuan dari Otoritas from the Financial Services Authority so that their safety Jasa Keuangan sehingga telah teruji keamanannya bagi has been tested for customers. Besides that, Bank Artha nasabah. Disamping itu Bank Artha Graha Internasional Graha has implemented POJK No. 6/POJK.07/2022 telah menerapkan POJK No. 6/POJK.07/2022 tentang concerning Consumer and Community Protection in Perlindungan Konsumen dan Masyarakat di Sektor Jasa the Financial Services Sector and stated in the internal Keuangan dan dituangkan ke dalam peraturan internal regulation Guidelines for Accounting and Procedures Pedoman Akutansi dan Prosedur (PAP) No. 180101.01.3 (PAP) No. 180101.01.3 concerning Consumer and tentang Perlindungan Konsumen dan Masyarakat di Community Protection in the Financial Services Sector. Sektor Jasa Keuangan. Selaras dengan itu, untuk menekan kerugian seminimal To minimize losses for these products and services, the mungkin atas produk dan jasa tersebut, Bank secara Bank continuously conveys information on all possible kontinu menyampaikan informasi atas semua risiko yang risks to customers. mungkin terjadi kepada nasabah. Selanjutnya, sesuai dengan regulasi yang berlaku, Bank Furthermore, following applicable regulations, the juga telah melakukan kegiatan literasi keuangan dan Bank has also carried out financial literacy and inclusion inklusi keuangan sehingga calon nasabah atau nasabah activities, so that prospective customers or customers get mendapatkan pemahaman yang benar tentang produk/ a correct understanding of the products/services offered jasa yang ditawarkan Bank. Dengan demikian, mereka by the Bank. Thus, they will choose the products/services akan memilih produk/jasa yang ditawarkan Bank sesuai the Bank provides according to their needs and already kebutuhan dan telah mengetahui profil risiko yang know the risk profile inherent in these products/services. melekat di dalam produk/jasa tersebut. Dampak Produk/Jasa [OJK F.28] Product/Service Impact [OJK F.28] Bank telah melakukan penilaian terhadap setiap produk/jasa The Bank has assessed each product/service offered to yang ditawarkan kepada nasabah. Lebih dari itu, Bank juga customers. More than that, the Bank has also made a telah membuat klasifikasi produk secara lengkap, termasuk complete product classification, including a risk review in it. dengan tinjauan risiko di dalamnya. Selanjutnya, sesuai Furthermore, under the principles of sustainable finance and dengan prinsip keuangan berkelanjutan dan mengacu pada referring to the Criteria for Sustainable Business Activities Kriteria Kegiatan Usaha Berkelanjutan (KKUB) dalam POJK (KKUB) in POJK Sustainable Finance, the Bank, in channeling Keuangan Berkelanjutan, maka Bank dalam menyalurkan funds, continues to adhere to the principle of prudence, dana tetap memegang prinsip kehati-hatian, termasuk including preventing risks and negative impacts that may mencegah risiko dan dampak negatif yang mungkin timbul arise for society and the environment. By adhering to the bagi masyarakat maupun lingkungan. Dengan berpatokan above principles, during 2022, the products and services pada prinsip di atas, selama tahun 2022, produk dan jasa offered by the Bank will not have a negative impact on yang ditawarkan Bank tidak ada yang berdampak negatif society or the environment. terhadap masyarakat maupun lingkungan. 182 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 183
Providing the Best Service for Customer Satisfaction Jumlah Produk/Jasa yang Ditarik Kembali Number of Products/Services Withdrawn [OJK F.29] [OJK F.29] Selama tahun 2022, tidak ada produk/jasa Bank yang During 2022, there will be no Bank products/services that ditarik kembali dengan alasan apapun. will be recalled for any reason. Kerahasiaan Nasabah [GRI 418-1] Customer Confidentiality [GRI 418-1] Bank berkomitmen menjaga kepercayaan nasabah The Bank is committed to maintaining customer trust, di antaranya dengan melindungi dan menjamin seluruh including protecting and guaranteeing all confidentiality kerahasiaan serta keamanan data nasabah. Penggunaan and security of customer data. The use of data or data atau informasi terkait nasabah hanya dapat dilakukan information related to customers can only be used based berdasarkan ketentuan sebagaimana ditetapkan oleh on the provisions stipulated by laws and regulations. peraturan dan perundang-undangan. Menjaga informasi Safeguarding customer information is also a form of nasabah juga merupakan bentuk kepercayaan yang akan trust that will affect the Bank’s reputation, as specified memengaruhi reputasi Bank yang diatur dalam Surat in the Financial Services Authority Circular Letter Edaran Otoritas Jasa Keuangan No. 14/SEOJK.07/2014 No. 14/SEOJK.07/2014 concerning Confidentiality and tentang Kerahasiaan dan Keamanan Data dan/atau Security of Data and/or Consumer Personal Information. Informasi Pribadi Konsumen. Dalam hal transparansi Regarding transparency in using customer personal data, penggunaan data pribadi nasabah, Bank tidak akan the Bank will not disseminate customer personal data to menyebarluaskan data pribadi nasabah kepada pihak other parties before obtaining written approval from the lain sebelum mendapatkan persetujuan tertulis dari data owner. The consent must be manifested in writing pemilik data. Persetujuan tersebut harus diwujudkan and/or signed on the request for written permission. dalam bentuk tulisan dan/atau tanda tangan pada lembar [GRI 3-3] permintaan persetujuan tertulis. [GRI 3-3] Komitmen Bank dalam menjaga data pelanggan The Bank’s commitment to safeguarding customer data membawa hasil dengan tidak adanya insiden pengaduan has resulted in the absence of incidents of complaints from dari nasabah maupun dari regulator terkait pelanggaran customers or regulators regarding violations of customer kerahasiaan nasabah, baik berupa kebocoran, pencurian, confidentiality, whether in the form of leaks, theft, or loss atau kehilangan data nasabah. Dengan demikian, Bank of customer data. Thus, the Bank did not receive fines or tidak mendapat denda atau sanksi berkaitan dengan sanctions related to violations of customer privacy in the pelanggaran terhadap privasi pelanggan pada tahun reporting year. pelaporan. [FN-CB-230a.1] [FN-CB-230a.2] [GRI 3-3, 418-1] [FN-CB-230a.1] [FN-CB-230a.2] [GRI 3-3, 418-1] Sarana Pengaduan Nasabah [OJK F.24] Customer Complaint Channel [OJK F.24] Bank menyediakan berbagai sarana bagi nasabah untuk The Bank provides various means for customers to obtain memperoleh informasi mengenai produk dan layanan information about the products and services offered, yang ditawarkan Bank, termasuk untuk menyampaikan including submitting complaints regarding products pengaduan terkait produk dan layanan. Bank secara rutin and services. The Bank routinely reviews suggestions, melaksanakan evaluasi terhadap saran, kritik atau bentuk criticisms, or any form that enters the customer complaint apapun yang masuk ke sarana pengaduan nasabah guna facility to manage trust, satisfaction, and product mengelola kepercayaan dan kepuasan, serta pemasaran marketing. The Bank’s customer complaint facilities are as produk. Sarana pengaduan nasabah Bank adalah sebagai follows: berikut: 1. Graha Call pada nomor 0800-191-8880; 24/7 1. Graha Call at 0800-191-8880; 24/7 2. Graha Chat pada nomor 0811-191-88880; 2. Graha Chat at 0811-191-88880; 3. Direct Message melalui Social Media (Instagram, 3. Direct Message via Social Media (Instagram, Twitter & Twitter & Facebook); Facebook); PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 183
Page 184
Memberikan Pelayanan Terbaik untuk Kepuasan Nasabah
4. www.arthagraha.com (website); 4. www.arthagraha.com (website);
5. agicustomercare@ag.co.id (e-mail); dan 5. agicustomercare@ag.co.id (e-mail); and
6. Kunjungan ke kantor cabang. 6. Visits to branch offices.
Bagi nasabah yang hendak menyampaikan keluhan/ For customers who wish to submit complaints/complaints,
pengaduan, Bank menyediakan kemudahan, kenyamanan the Bank provides convenience, comfort, and security:
dan keamanan:
1. Nasabah dapat memilih touch point yang di inginkan; 1. The customer can choose the desired touch point;
2. Bank menetapkan service level sesuai jenis pengaduan 2. The Bank determines the service level according to
nasabah; dan the type of customer complaint; and
3. Untuk memastikan seluruh pengaduan nasabah 3. To ensure that all customer complaints are handled
ditangani dan diselesaikan maka monitoringnya and resolved, monitoring is carried out in 1 (one)
dilakukan dalam 1 (satu) dashboard. dashboard.
Graha Call Graha Chat/DM
0800-191-8880 0811-191-88880 Social Media: agicustomercare@ag.co.id Cabang CRM & Ticketing
IG - @teman.agi
Twitter - @temanagi
FB - Teman agi
Keterangan: Information:
1. Nasabah melaporkan pengaduan melalui Customer 1. Customers report complaints through the Customer
Touch Point (Cabang/E-mail/Website/Graha Call 24 Jam/ Touch Point (Branch/Email/Website/Graha Call 24 Hours/
Graha Chat/Social Media - IG/Twitter/Facebook) Bank Graha Chat/Social Media - IG/Twitter/Facebook) of Bank
Artha Graha Internasional; Artha Graha Internasional;
2. Laporan pengaduan nasabah diterima oleh layanan 2. Bank Artha Graha Internasional Customer Care
Customer Care Bank Artha Graha Internasional; services receive customer complaint reports;
3. Layanan Customer Care menyampaikan laporan 3. Customer Care Service submits complaint reports to
pengaduan kepada bagian terkait untuk dilakukan the relevant department for follow-up and settlement
tindak lanjut dan penyelesaian atas laporan pengaduan of customer complaint reports;
nasabah;
4. Hasil penyelesaian pengaduan disampaikan kepada 4. Complaint settlement results are submitted to the
Unit Customer Care; dan Customer Care Unit; and
5. Unit Customer Care menyampaikan hasil penyelesaian 5. The Customer Care Unit conveys the results of
laporan pengaduan kepada cabang/nasabah melalui complaint resolution reports to branches/customers
telepon/e-mail. via telephone/email.
Tabel Jumlah Pengaduan Nasabah Table of Number of Customer Complaints
Keterangan
2022 2021 2020
Description
Keluhan Nasabah
3.996 2.407 2.998
Customer Complaints
Dalam Proses Penyelesaian
- - -
In Process of Completion
Keluhan Terselesaikan
3.996 2.407 2.998
Complaint Resolved
% Penyelesaian
100% 100% 100%
% Completion
184 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 185
Providing the Best Service for Customer Satisfaction
Bank senantiasa memperhatikan setiap pengaduan The Bank always pays attention to every incoming
nasabah yang masuk demi meraih kepuasan dan customer complaint to achieve customer satisfaction
kepercayaan nasabah. Sesuai tabel di atas, selama and trust. According to the table above, in 2022, there
tahun 2022, terdapat 3.996 pengaduan nasabah, naik were 3,996 customer complaints, an increase compared
dibandingkan tahun 2021 dengan 2.407 pengaduan. Dari to 2021, with 2,407 complaints. Of the total complaints,
jumlah pengaduan tersebut, sebanyak 3.996 pengaduan 3,996, or 100%, have been successfully resolved. By type,
atau 100% telah berhasil diselesaikan. Berdasarkan the three most customer complaints related to failed cash
jenisnya, tiga pengaduan nasabah terbanyak berkaitan withdrawals (37.73%), followed by failed QRIS Acquirer
dengan Tarik tunai gagal sebesar (37,73%), diikuti transactions (17.11%), and failed credit purchases via
Transaksi QRIS Acquirer gagal (17,11%), dan Pembelian mobile banking (10.78%).
pulsa melalui mobile banking gagal (10,78%).
Tabel Pengaduan Nasabah Tahun 2022 Table of Customer Complaints in 2022
Status Penyelesaian
Bulan Jumlah Pengaduan Completion Status
Month Number of Complaints Dalam Proses Selesai
In Process Finished
Januari
211 - 211
January
Februari
267 - 267
February
Maret
370 - 370
March
April
519 - 519
April
Mei
304 - 304
May
Juni
514 - 514
June
Juli
310 - 310
July
Agustus
222 - 222
August
September
580 - 580
September
Oktober
198 - 198
October
November
282 - 282
November
Desember
219 - 219
December
Jumlah
3.996 - 3.996
Total
Terhadap pengaduan yang masuk, Bank senantiasa Regarding incoming complaints, the Bank always places
menempatkan privasi nasabah sebagai hal yang tak bisa customer privacy as non-negotiable. Thus, customers
ditawar. Dengan demikian, nasabah tidak khawatir untuk are not worried about reporting and complaining if bank
melaporkan dan mengadukan jika ada layanan Bank yang services are considered disappointing or unsatisfactory.
dinilai mengecewakan atau tidak memuaskan.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 185
Page 186
Memberikan Pelayanan Terbaik untuk Kepuasan Nasabah
Survei Kepuasan Nasabah [OJK F.30] Customer Satisfaction Survey [OJK F.30]
Kepuasan nasabah merupakan tujuan yang hendak dicapai Customer satisfaction is the goal of the Bank in providing
oleh Bank dalam memberikan pelayanan produk dan jasa the best products and services. To determine customer
terbaik. Untuk mengetahui tingkat kepuasan nasabah, satisfaction, the Bank regularly conducts customer
Bank secara berkala menyelenggarakan survei kepuasan satisfaction surveys. In addition to knowing customer
nasabah. Selain mengetahui respons nasabah terhadap responses to product and service quality, surveys are also
kualitas produk dan layanan, survei sekaligus merupakan a means of obtaining feedback for improvement from
sarana untuk mendapatkan umpan balik untuk perbaikan customers.
dari nasabah.
Tabel Hasil Survei Kepuasan Nasabah Tahun 2021-2022 Table of Customer Satisfaction Survey Results for 2021-2022
Tahun Survei Kepuasan Nasabah
Year Customer Satisfaction Survey
2022 81,04%
2021 80,73%
Jumlah responden survei kepuasan nasabah tahun 2022 The number of respondents to the customer satisfaction
meningkat lebih dari 3 (tiga) kali lipat dari responden survey in 2022 increased by more than 3 (three) times
tahun 2021, menunjukkan perhatian nasabah terhadap the number of respondents in 2021, indicating customer
layanan perbankan kami. Untuk itu, Bank berkomitmen attention to our banking services. For this reason, the Bank
untuk terus memperbaiki dan meningkatkan layanan is committed to continuously improving and enhancing
kepada nasabah kedepannya. services to customers in the future.
186 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 187
Providing the Best Service for Customer Satisfaction
“Tanam satu pohon dan kamu
akan menyelamatkan ribuan
manusia.”
“Plant a tree and you’ll save
thousands of human.”
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 187
Page 188
Page 189
Page 190
Kinerja Lingkungan Kontribusi Maksimal untuk Kelestarian Lingkungan The Maximum Contribution to Environmental Sustainability Operasional usaha industri perbankan tidak berdampak Banking industry business operations do not have a direct langsung terhadap kelestarian lingkungan. Namun impact on environmental sustainability. However, as a demikian, sebagai lembaga penyalur kredit, perbankan credit channeling institution, banks have a high role and memiliki peran dan tanggung jawab yang tinggi untuk responsibility for realizing environmental sustainability by mewujudkan kelestarian lingkungan dengan mencermati observing the projects financed by their debtors. In this proyek-proyek yang dibiayai oleh debiturnya. Dalam hal case, banks must ensure that the projects undertaken ini, perbankan harus memastikan bahwa proyek-proyek by debtors do not have the potential or factual negative yang dijalankan debitur tidak berpotensi apalagi secara impact on the environment. faktual berdampak negatif terhadap lingkungan. Komitmen dan kontribusi perbankan terhadap kelestarian Banking commitment and contribution to environmental lingkungan merupakan implementasi Undang-Undang sustainability is the implementation of Law of the Republic Republik Indonesia No. 10 Tahun 1998 tentang Perubahan of Indonesia No. 10 of 1998 concerning Amendments to Atas Undang-Undang No. 7 Tahun 1992 tentang Perbankan, Law No. 7 of 1992 concerning Banking, which regulates yang di dalamnya mengatur tentang prinsip kehati- the principle of prudence in lending. In this case, banks hatian dalam penyaluran kredit. Dalam hal ini, perbankan must pay serious attention to the Environmental Impact dituntut untuk memberikan perhatian serius terhadap Analysis (AMDAL) for large-scale and/or high-risk Analisis Mengenai Dampak Lingkungan (AMDAL) bagi companies applying for credit. By looking closely at the perusahaan berskala besar dan atau berisiko tinggi yang AMDAL, the projects to be financed can be mapped in mengajukan kredit. Dengan mencermati AMDAL, maka terms of their efforts to preserve the environment. proyek-proyek yang akan dibiayai tersebut bisa dipetakan terkait upayanya dalam menjaga kelestarian lingkungan. Regulasi tentang perlunya perbankan berkontribusi Regulations regarding the need for banks to contribute to terhadap kelestarian lingkungan selanjutnya diatur dalam environmental sustainability are further regulated in the Undang-Undang Republik Indonesia No. 32 Tahun 2009 Law of the Republic of Indonesia No. 32 of 2009 concerning tentang Perlindungan dan Pengelolaan Lingkungan Environmental Protection and Management. In Article 43, Hidup. Dalam Pasal 43, ayat (3), huruf c terdapat klausul, paragraph (3), letter c, there is a clause, “Development of “Pengembangan sistem lembaga keuangan dan pasar an environmentally friendly system of financial institutions modal yang ramah lingkungan hidup”. Menurut penjelasan and capital markets”. According to the elucidation of undang-undang ini, yang dimaksud dengan “sistem this law, what is meant by an “environmentally friendly lembaga keuangan ramah lingkungan hidup” adalah financial institution system” is a financial institution system sistem lembaga keuangan yang menerapkan persyaratan that applies environmental protection and management perlindungan dan pengelolaan lingkungan hidup dalam requirements in the financing policies and practices of the kebijakan pembiayaan dan praktik sistem lembaga bank and non-bank financial institution system. keuangan bank dan lembaga keuangan non bank. Dalam perkembangannya, kemudian terbit Peraturan The Financial Services Authority Regulation No. 51/ Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang POJK.03/2017 was developed concerning implementing Penerapan Keuangan Berkelanjutan bagi Lembaga Sustainable Finance for Financial Services Institutions, Jasa Keuangan, Emiten dan Perusahaan Publik (POJK Issuers, and Public Companies (POJK Sustainable Keuangan Berkelanjutan). Dengan peraturan ini, maka Finance). With this regulation, banks, as financial service perbankan sebagai lembaga jasa keuangan wajib institutions, must apply sustainable or sustainable finance menerapkan prinsip keuangan berkelanjutan atau principles. In Indonesia, sustainable finance is defined sustainable finance. Di Indonesia, keuangan berkelanjutan as comprehensive support from the financial services 190 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 191
Environmental Performance didefinisikan sebagai dukungan menyeluruh dari industri industry for sustainable growth resulting from the jasa keuangan untuk pertumbuhan berkelanjutan yang harmony between economic, social, and environmental dihasilkan dari keselarasan antara kepentingan ekonomi, interests. The application of sustainable finance is needed sosial, dan lingkungan hidup. Penerapan keuangan as an essential capital to realize sustainable development. berkelanjutan diperlukan sebagai modal penting untuk mewujudkan pembangunan berkelanjutan. Menurut Otoritas Jasa Keuangan (OJK), sustainable According to the Financial Services Authority (OJK), finance memiliki lima dimensi, yaitu pencapaian sustainable finance has five dimensions, namely keunggulan industri, sosial, dan ekonomi dalam achieving industrial, social, and economic excellence to rangka mengurangi ancaman pemanasan global serta reduce the threat of global warming and prevent other pencegahan terhadap permasalahan lingkungan hidup environmental and social problems; shifting targets dan sosial lainnya; pergeseran target menuju ekonomi towards a competitive, low-carbon economy; promotion rendah karbon yang kompetitif; promosi investasi ramah of environmentally friendly investment in various lingkungan hidup di berbagai sektor usaha/ekonomi, dan business/economic sectors, and providing support for the pemberian dukungan pada pelaksanaan prinsip-prinsip implementation of Indonesia’s 4P development principles pembangunan Indonesia 4P (pro-growth, projobs, pro- (pro-growth, pro-jobs, pro-poor, and pro-environment). poor, dan pro-environment). Komitmen Bank terhadap Kelestarian The Bank’s Commitment to Environmental Lingkungan Sustainability Bank Artha Graha Internasional berkomitmen untuk Bank Artha Graha Internasional is committed to mendorong terciptanya kelestarian lingkungan. Untuk itu, encouraging environmental sustainability. For this Bank memberlakukan analisis yang mengatur penilaian reason, the Bank applies an analysis that regulates terhadap upaya yang dilakukan nasabah dalam rangka the assessment of the efforts made by customers to memelihara lingkungan hidup sebagai unsur kualitas maintain the environment as an element of quality or atau syarat pembiayaan. Parameter yang digunakan financing requirements. The parameters used include di antaranya Analisis Mengenai Dampak Lingkungan Environmental Impact Analysis (AMDAL), Company (AMDAL), Program Penilaian Peringkat Perusahaan Rating Program in Environmental Management (PROPER), dalam Pengelolaan Lingkungan Hidup (PROPER) atau or Environmental Management Efforts/Environmental Upaya Pengelolaan Lingkungan/Upaya Pemantauan Monitoring Efforts (UJL/UPL). The three parameters are Lingkungan (UJL/UPL). Ketiga parameter ditelaah guna reviewed to prevent the risk of pollution or environmental mencegah risiko terjadinya pencemaran atau kerusakan damage from customer projects. The review is carried lingkungan dari proyek-proyek yang dikerjakan nasabah. out as an instrument for assessing or screening social Penelahaan dilakukan sebagai instrumen penilaian atau and environmental risks aimed at customers through penyaringan risiko sosial dan lingkungan yang ditujukan ecological permit requirements adjusted to the type of kepada nasabah berupa persyaratan izin lingkungan yang customer’s business. disesuaikan dengan jenis usaha nasabah. Selaras dengan itu, Bank juga mengeluarkan kebijakan In line with that, the Bank also issued a Credit Circular Surat Edaran Kredit No. 117.01.0 Perihal Pembiayaan Letter No. 117.01.0 Concerning Green Building Project Proyek Bangunan Gedung Hijau. Melalui kebijakan ini, Bank Financing. Through this policy, the Bank encourages every mendorong agar setiap bangunan memiliki kawasan ramah building to have an environmentally friendly area. Green lingkungan. Bangunan gedung hijau yang dimaksud adalah buildings in question are responsible for the environment, bangunan yang bertanggung jawab terhadap lingkungan, have good performance, and are planned and measured memiliki kinerja dan performa yang baik, terencana dan significantly in terms of saving energy, water, and other terukur secara signifikan dalam penghematan energi, air resources (efficiency) through applying green building dan sumber daya lainnya (efisiensi) melalui penerapan principles according to function and classification in each prinsip bangunan gedung hijau sesuai fungsi dan klasifikasi maintenance stage. dalam setiap tahap penyelenggaraannya. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 191
Page 192
Kinerja Lingkungan
Sementara itu, secara internal, dukungan terhadap Meanwhile, internally, support for environmental
kelestarian lingkungan diwujudkan dengan menerapkan sustainability is realized by implementing environmentally
operasional kantor yang ramah lingkungan dengan friendly office operations by adhering to the 3R principles
memegang prinsip 3R (Reduce, Reuse & Recycle). Prinsip (Reduce, Reuse & Recycle). This principle is recognized
ini diwujudkan melalui pengelolaan yang baik terkait through good management related to using raw
penggunaan bahan baku/material kertas, energi (bahan materials/paper materials, energy (fuel oil and electricity),
bakar minyak dan listrik), emisi, air dan air limbah. emissions, water, and wastewater.
Pemakaian Kertas Paper Usage
Bank menggunakan beragam jenis kertas guna mendukung Banks use various types of paper to support their
kegiatan operasionalnya. Kertas yang digunakan memiliki operational activities. The paper used has multiple types
jenis dan ukuran yang bervariasi seperti kertas HVS A4 70 and sizes, such as 70 gr HVS A4 paper, 75 gr HVS A4
gr, kertas HVS A4 75 gr, kertas HVS A3 80 gr, kertas HVS paper, 80 gr HVS A3 paper, 70 gr HVS F4 paper, 75 gr HVS
F4 70 gr, kertas HVS F4 75 gr, kertas thermal edc ukuran F4 paper, 56 x 33 mm thermal EDC paper, thermal EDC
56 x 33 mm, kertas thermal edc ukuran 57 x 48 mm, kertas size 57 x 48 mm, ATM thermal paper size 80 x 140 mm,
thermal ATM ukuran 80 x 140 mm, kertas telstruk ukuran text structure paper size 58 x 48 mm, continuous form
58 x 48 mm, kertas continuous form 9½ x 11”. paper 9½ x 11”.
Bank menyadari bahwa bahan baku kertas adalah The Bank realizes that the raw paper materials are specific
pepohonan spesifik yang diolah menjadi bubur kertas trees processed into pulp and explicitly processed. For
dan diproses secara khusus. Untuk itu, Bank berupaya this reason, the Bank makes every effort to reduce the
semaksimal mungkin untuk mengurangi penggunaan use of paper so that it contributes to reducing the cutting
kertas sehingga turut berkontribusi mengurangi of trees to make paper. Savings on paper use are made,
penebangan pohon untuk membuat kertas. Penghematan among others, by using 2 (two) sides of the paper, using a
penggunaan kertas dilakukan antara lain dengan user form for internal needs, maximizing the use of e-mail
penggunaan 2 (dua) sisi kertas, penggunaan kertas bekas to send data/documents, and maximizing document
untuk kebutuhan internal, memaksimalkan penggunaan storage done digitally.
e-mail sebagai sarana pengiriman data/dokumen dan
memaksimalkan penyimpanan dokumen dilakukan secara
digital.
Berikut data pemakaian kertas berdasarkan jenisnya per The following is paper usage data by type as of December
31 Desember 2022: 31, 2022:
Tabel Penggunaan Kertas Tahun 2020-2022 [OJK F.5] Table of Paper Usage for 2020-2022 [OJK F.5]
Uraian Satuan
2022 2021 2020
Remarks Unit
Continuous Form Dus
138 113 131
Continuous Form Box
HVS Rim
6.197 10.086 9.784
HVS Rims
Telstruk dan Kertas Thermal
Roll 2.501 2.103 2.947
Telstruct and Thermal Paper
192 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 193
Environmental Performance
Merujuk tabel di atas, volume penggunaan kertas Referring to the table above, the volume of paper use has
mengalami penurunan dibanding tahun sebelumnya. decreased compared to the previous year. This happened
Hal itu terjadi karena Bank memang sedang berupaya because the Bank is indeed trying to reduce the use of
dalam mengurangi penggunaan kertas dimana transaksi paper where transactions and reports that are made and
dan laporan yang dibuat dan dikembangkan mengarah developed lead to digitalization and paperless.
ke digitalisasi dan paperless.
Pengelolaan Energi Management of Energy
Operasional Bank memerlukan dua sumber energi Bank operations require two primary energy sources,
utama, yaitu listrik dan bahan bakar minyak (BBM), yang electricity and fuel oil (BBM), which third parties supply.
dipasok oleh pihak ketiga. Selain untuk penerangan, In addition to lighting, electricity is an energy source for
listrik digunakan untuk sumber energi berbagai peralatan various electronic equipment and office facilities, such as
elektronik sarana dan sarana kantor, seperti komputer, computers, laptops, copiers, printers, air conditioners,
laptop, mesin fotokopi, printer, alat pendingin ruangan/ ATM, etc. Most of the fuel is used as an energy source
AC, mesin ATM, dan lain-lain. Adapun BBM sebagian besar for operational vehicles. Because electricity and fuel are
digunakan sebagai sumber energi kendaraan operasional. non-renewable sources of energy and their availability
Oleh karena listrik maupun BBM merupakan sumber is increasingly limited, the Bank is committed to
energi tak terbarukan dan ketersediaannya semakin implementing various savings measures. [GRI 3-3]
terbatas, maka Bank berkomitmen untuk melakukan
berbagai langkah penghematan. [GRI 3-3]
Penghematan listrik antara lain dilakukan dengan Saving electricity, among others, is done by turning off
mematikan AC dan lampu penerangan saat pulang kerja, air conditioners and lighting when they come home
memakai penerangan lampu sesuai kebutuhan di luar from work, using lighting as needed outside working
jam kerja, mematikan komputer bila tidak digunakan, hours, turning off the computer when not in use, setting
mengatur komputer menjadi “sleep” jika tidak digunakan, the computer to “sleep” when not in use, and turn off
mematikan peralatan listrik jika tidak digunakan, seperti electrical equipment when not in use, such as toilet lights
lampu toilet dan AC. Selanjutnya, mencabut kabel yang and air conditioners. Furthermore, by unplugging the
terhubung listrik saat pulang kerja, mengganti AC sentral cable connected to the electricity when you get home
ke AC Split, menggunakan lampu LED, jam operasional from work, changing the central AC to Split AC, and
lift dibatasi selama jam kerja. Upaya penghematan using LED lights, the elevator operating hours are limited
energi yang dilakukan Bank sejalan dengan Instruksi during working hours. Energy saving efforts carried out by
Presiden Republik Indonesia No. 13 Tahun 2011 tentang the Bank are in line with the Instruction of the President
Penghematan Energi dan Air, serta Peraturan Menteri of the Republic of Indonesia No. 13 of 2011 concerning
Energi dan Sumber Daya Mineral Republik Indonesia Saving Energy and Water, as well as the Regulation of the
No. 13 Tahun 2012 tentang Penghematan Pemakaian Minister of Energy and Mineral Resources of the Republic
Tenaga Listrik. [GRI 3-3] [OJK F.7] of Indonesia No. 13 of 2012 concerning Saving Electricity
Usage. [GRI 3-3] [OJK F.7]
Per 31 Desember 2022, Bank menggunakan listrik sebesar As of December 31, 2022, the Bank used 6,186,223 kWh
6.186.223 kWh, atau setara dengan 22.270 Gigajoule of electricity, or the equivalent of 22,270 Gigajoules (GJ),
(GJ), turun dibandingkan tahun 2021, yang mencapai a decrease compared to 2021, which reached 6,471,836
6.471.836 kWh atau 23.299 GJ. Penurunan terjadi karena kWh or 23,299 GJ. The decline occurred due to savings
penghematan yang dilakukan Bank seperti yang telah made by the Bank, as previously explained.
dijelaskan sebelumnya. [GRI 3-3, 302-1] [OJK F.6] [GRI 3-3, 302-1] [OJK F.6]
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 193
Page 194
Kinerja Lingkungan
Tabel Konsumsi Listrik Tahun 2020-2022 Table of Electricity Consumption for 2020-2022
Uraian Satuan
2022 2021 2020
Remarks Unit
kWh
6.186.223 6.471.836 6.823.240
Penggunaan listrik*) kWh
Electricity Usage*) GigaJoules
22.270 23.299 24.564
GigaJoules
Penambahan/(Pengurangan)
(4,41%) (5,15%) (11,99%)
Increase/(Decrease)
Data merujuk Kantor Pusat dan Kantor Cabang Data refers to the Head Office and Branch Offices
Konversi kWh ke Gigajoule: https://www.convertunits.com/from/kWh/to/gigajoule Convert kWh to Gigajoule: https://www.convertunits.com/from/kWh/to/gigajoule
Sementara itu, berkaitan dengan intensitas konsumsi Meanwhile, related to Energy Consumption Intensity
energi (IKE), khususnya listrik, Bank belum melakukan (IKE), especially electricity, the Bank has not conducted
audit energi pada kantor pusat maupun kantor- an energy audit at the head office or other operational
kantor operasional lainnya. Untuk itu, Bank belum offices. For this reason, the Bank has not been able to
bisa menyampaikan IKE berdasarkan audit energi. submit IKE based on an energy audit. As an alternative,
Sebagai alternatif, penghitungan IKE dilakukan dengan the calculation of IKE is carried out using the following
menggunakan rumus berikut: formula:
IKE = Pemakaian energi listrik (KWh)
IKE = Use of electrical energy (KWh)
Luas bangunan
Building area
Hasil perhitungan tersebut selanjutnya dibandingkan The calculation results are then compared with the energy
dengan tabel intensitas konsumsi energi sebagai berikut: consumption intensity table as follows:
Tabel Intensitas Konsumsi Energi (IKE) Gedung Perkantoran Table of Energy Consumption Intensity (IKE) of Air-Conditioned
ber-AC Office Buildings
Ber-AC Tanpa AC
Kriteria With AC Without AC
Criteria kWh/m2/bulan kWh/m2/tahun* kWh/m2/bulan kWh/m2/tahun*
kWh/m2/month kWh/m2/year* kWh/m2/month kWh/m2/year*
Sangat efisien
<8,5 <102 <3,4 <40,8
Very Efficient
Efisien
8,5-14 102-168 3,4-5,6 40,8-67,2
Efficient
Cukup efisien
14-18,5 168-222 5,6-7,4 67,2-88,8
Pretty Efficient
Boros
>18,5 >222 >7,4 88,8
Wasteful
Sumber: Lampiran Peraturan Menteri Energi dan Sumber Daya Mineral Source: Appendix to Regulation of the Minister of Energy and Mineral
Republik Indonesia No. 13 Tahun 2012 tentang Penghematan Pemakaian Resources of the Republic of Indonesia No. 13 of 2012 concerning Saving
Tenaga Listrik Electricity Usage
*konversi dalam setahun *conversion in a year
194 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 195
Environmental Performance
Dalam laporan ini, data IKE merujuk pada Kantor Pusat In this report, IKE data refers to the Bank’s Head Office.
Bank. Berdasarkan rumus di atas, serta perbandingan Based on the formula above, as well as a comparison with
dengan IKE Gedung Perkantoran ber-AC, diperoleh IKE the IKE of Office Buildings with AC, the IKE for 2022,
tahun 2022, 2021, dan 2020 sebagai berikut: [OJK F.6] 2021, and 2020 is obtained as follows: [OJK F.6]
Tabel Intensitas Konsumsi Energi Kantor Pusat Operasional Table of Energy Consumption Intensity of Operational
Tahun 2020-2022 Headquarters for 2020-2022
Tahun Rasio Intensitas Energi (kWh/m2/bulan) Kriteria
Year Energy Intensity Ratio (kWh/m2/month) Criteria
Sangat Efisien
2022 8,4
Very Efficient
Efisien
2021 8,8
Efficient
Efisien
2020 8,7
Efficient
Adapun penggunaan BBM selama tahun pelaporan The fuel used during the reporting year was 431,457 liters,
adalah 431.457 liter atau setara dengan 14.756 GJ, turun or the equivalent of 14,756 GJ, decreased compared to
dibandingkan tahun 2021, yang mencapai 432.000 liter 2021, which reached 432,000 liters or 14,774 GJ. The
atau 14.774 GJ. Penurunan terjadi karena efisiensi yang decrease was due to the efficiency carried out by the Bank
dilakukan Bank dalam penggunaan kendaraan bermotor in the use of motorized vehicles, where vehicles were only
dimana kendaraan hanya dipakai sesuai dengan used according to precise needs and objectives, as well as
kebutuhan dan tujuan yang jelas serta pengaturan rute setting effective travel routes.
perjalanan yang efektif.
Tabel Konsumsi BBM Tahun 2020-2022 Table of Fuel Consumption for 2020-2022
Jenis BBM Satuan
2022 2021 2020
Fuel Type Unit
Bensin Liter
424.304 432.000 426.114
Gas Liter
Solar Liter
7.153 0 0
Diesel Liter
Jumlah Liter
431.457 432.000 426.114
Total Liter
Gigajoules
14.756 14.774 14.573
Gigajoules
Penambahan/(Pengurangan)
% (0,13%) 1,38% (28,99%)
Increase/(Decrease)
Konversi liter ke Gigajoule: https://hextobinary.com/unit/energy/from/ Convert liters to Gigajoules: https://hextobinary.com/unit/energy/from/
gasoline/to/gigajoule gasoline/to/gigajoule
Pengelolaan Emisi Gas Rumah Kaca Management of Greenhouse Gas Emissions
Emisi gas rumah kaca (GRK) merupakan salah satu isu Greenhouse gas (GHG) emissions are one of the main
utama warga dunia. Hal itu terjadi karena emisi merupakan issues of the world’s citizens. This happens because
salah satu pemicu terjadinya pemanasan global dan emissions are one of the triggers for global warming
perubahan iklim yang berdampak negatif bagi kehidupan and climate change, which harm life on earth. As part
di bumi. Sebagai bagian dari warga dunia, Indonesia of a world citizen, Indonesia is committed to realizing
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 195
Page 196
Kinerja Lingkungan
berkomitmen untuk mewujudkan net zero emission (NZE) net zero emission (NZE) by 2060. Even sooner than that.
pada tahun 2060. Bahkan, kalau bisa lebih cepat dari itu. The NZE program, which aims to reduce environmental
Program NZE yang bertujuan untuk menekan pencemaran pollution that has the potential to cause global warming
lingkungan yang berpotensi mengakibatkan pemanasan especially greenhouse gas emissions became a popular
global, terutama emisi gas rumah kaca menjadi istilah term after the Paris Climate Agreement was held in 2015
populer setelah diadakannya Paris Climate Agreement when Indonesia became one of the countries that signed
tahun 2015 dimana Indonesia menjadi salah satu negara the agreement.
yang menandatangan perjanjian tersebut.
Bank sebagai bagian dari “The First Movers on As part of “The First Movers on Sustainable Banking” the
Sustainable Banking” berkomitmen untuk berkontribusi Bank is committed to reducing greenhouse gas emissions
dengan penurunan emisi gas rumah kaca dengan by managing emissions properly. Moreover, in business
melakukan pengelolaan emisi dengan baik. Apalagi dalam operations, the Bank generates emissions from using
menjalankan operasional usaha, Bank menghasilkan emisi electricity and fuel. In this report, the emissions reported
dari penggunaan listrik dan BBM. Dalam laporan ini, emisi are direct (scope 1) GHG emissions resulting from the
yang dilaporkan adalah emisi GRK langsung (cakupan 1) use of fossil fuels (gasoline and diesel) and indirect
yang dihasilkan dari penggunaan bahan bakar fosil (bensin [Scope 2] GHG emissions originating from the use of
dan solar) dan emisi GRK [Cakupan 2] tidak langsung yang electricity. The dominant GHG emissions produced in
bersumber dari penggunaan listrik. Emisi GRK dominan scopes 1 and 2 are carbon dioxide (CO2).
yang dihasilkan, baik cakupan 1 dan 2 adalah karbon
dioksida (CO2).
Untuk menghitung emisi GRK [Cakupan 1] langsung, To calculate direct [Scope 1] GHG emissions, the
metode yang dipakai di Indonesia dan negara-negara method used in Indonesia and non-Annex 1 countries
non-Annex 1 (negara berkembang) adalah Tier-1, yaitu (developing countries) is Tier-1, which is based on energy
berdasarkan data konsumsi energi dikalikan faktor emisi consumption data multiplied by the IPCC 2019 default
default IPCC 2019 (Intergovernmental Panel on Climate emission factor (Intergovernmental Panel on Climate
Change/Panel Antar pemerintah tentang Perubahan Change/Intergovernmental Panel on Climate Change)
Iklim) dengan rumus sebagai berikut: with the following formula:
Emisi Hasil Pembakaran Bahan Bakar
Fuel Combustion Emissions
Emisi GRK
GHG Emission ()
kg
thn
= Konsumsi Energi
Energy Consumption ()
TJ
thn
x Faktor Emisi
Emission Factor ()
kg
TJ
Dari hasil perhitungan sesuai rumus di atas, maka selama From the results of calculations according to the formula
tahun pelaporan, Bank menghasilkan emisi gas rumah above, during the reporting year, the Bank generated
kaca langsung [Cakupan 1] dari penggunaan solar dan direct greenhouse gas emissions [Scope 1] from the use
bensin sebesar 989.422 kgCO2eq, naik dibandingkan of diesel and gasoline of 989,422 kgCO2eq, an increase
tahun 2021 dengan emisi GRK sebesar 987.941 kgCO2eq. compared to 2021 with GHG emissions of 987,941
Kenaikan dipengaruhi oleh perbedaan nilai faktor emisi kgCO2eq. The increase is influenced by the difference in
default antara solar dan bensin. [OJK F.11] the value of the default emission factor between diesel
and gasoline. [OJK F.11]
196 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 197
Environmental Performance
Tabel Emisi Gas Rumah Kaca Langsung (Cakupan 1) Tahun Table of Direct Greenhouse Gas Emissions (Scope 1) in 2020-2022
2020-2022
Konsumsi Energi
[TeraJoule] FE Default IPCC Total Emisi CO2 yang Dihasilkan (Kg)
Konsumsi Bahan
Energy Consumption 2006 CO2 (Kg/TJ) Total CO2 Emissions Generated (Kg)
Bakar
[TeraJoule] FE Default IPCC
Fuel Consumption
2006 CO2 (Kg/TJ)
2022 2021 2020 2022 2021 2020
Solar (Diesel)
0,26 0,00 0,00 74.100 19.081 0,00 0,00
Solar (Diesel)
Bensin
14,00 14,26 13,96 69.300 970.341 987.941 967.619
Gas
Jumlah
14,26 14,26 13,96 989.422 987.941 967.619
Total
Sementara itu, untuk emisi gas rumah kaca tidak langsung Meanwhile, indirect greenhouse gas emissions (scope 2,
(cakupan 2, yaitu yang bersumber dari energi dari luar namely those originating from outside energy in the form
berupa listrik) diperoleh dengan mengalikan konsumsi of electricity) are obtained by multiplying the electricity
listrik (dalam Kwh per tahun) dengan average grid emission consumption (in Kwh per year) with the average grid
factor yang dikeluarkan Kementerian ESDM merujuk emission factor issued by the Ministry of Energy and
RUPTL PLN 2015-2024 yaitu sebesar 0,934 kgCO2/Kwh Mineral Resources referring to the RUPTL PLN 2015-
(2017). Berdasarkan perhitungan itu, emisi gas rumah kaca 2024 namely 0.934 kgCO2/Kwh (2017). Based on this
tidak langsung (cakupan 2) dari penggunaan energi listrik calculation, indirect greenhouse gas emissions (scope 2)
tahun 2022 tercatat sebesar 5.777.932 kgCO2eq, turun from using electrical energy in 2022 were recorded at
dibandingkan tahun 2021, yang mencapai 6.044.695 5,777,932 kgCO2eq, a decrease compared to 2021, which
kgCO2eq. [OJK F.11] reached 6,044,695 kgCO2eq. [OJK F.11]
Tabel Emisi Gas Rumah Tidak Langsung [Cakupan 2] Tahun Table of Indirect Greenhouse Gas Emissions [Scope 2] in 2020-2022
2020-2022
Konsumsi Tahun (kWh) Emisi CO2 yang Dihasilkan (kg)
Energi Year (kWh) CO2 Emmission produced (kg)
Energy
Consumption 2022 2021 2020 2022 2021* 2020*
Listrik
6.186.223 6.471.836 6.823.240 5.777.932 6.044.695 6.372.906
Electricity
*disajikan kembali *represented
Pengelolaan Air Management of Water
Bank menggunakan air untuk keperluan domestik Banks use water for domestic office purposes, such as
perkantoran, seperti pembilasan di kamar kecil, wudhu, rinsing in the restroom, ablution, washing kitchen utensils,
mencuci peralatan dapur, menyiram tanaman, dan watering plants, etc. Most of the water used by the Bank
sebagainya. Air yang digunakan Bank sebagian besar supplied by a third party, namely Local Water Company
dipasok oleh pihak ketiga, yaitu perusahaan daerah air (PDAM), the rest uses groundwater.
minum (PDAM), dan selebihnya menggunakan air tanah.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 197
Page 198
Kinerja Lingkungan
Seperti halnya listrik dan BBM, ketersedian air bersih juga As with electricity and fuel, the availability of clean water is
semakin berkurang. Pasokan bahan baku untuk PDAM also decreasing. The supply of raw materials for PDAM is
semakin terbatas akibat banyak sumber air baku yang increasingly limited due to many polluted sources of plain
tercemar, sedangkan air tanah ketersediaannya juga kian water. The availability of groundwater is also increasingly
terbatas seiring dengan semakin masifnya penyedotan limited in line with the increasingly massive extraction for
untuk berbagai keperluan, termasuk untuk industri, various purposes, including for industry, factories, offices,
pabrik, perkantoran, perhotelan, dan sebagainya. hotels, etc.
Apabila penggunaan air tidak diatur dengan baik, maka A clean water crisis will undoubtedly become a reality
krisis air bersih niscaya menjadi kenyataan. Berkaitan if water use is not regulated correctly. In this regard,
dengan hal ini, Bappenas dalam Kajian Lingkungan Bappenas, in the 2019 RPJM Strategic Environmental
Hidup Strategis (KKLS) RPJM 2019 memproyeksikan Study (KKLS), projects that water availability will reach
ketersediaan air akan mencapai kelangkaan absolut pada absolute scarcity by 2040. Absolute or ‘absolute scarcity’
2040. Kelangkaan absolut atau ‘absolute scarcity’ tak lain is the number of water resources insufficient to meet
adalah jumlah sumber daya air tidak mencukupi untuk human needs and desires.
memenuhi kebutuhan dan keinginan manusia.
Ketersediaan air bersih yang semakin terbatas, serta The increasingly limited availability of clean water, as well
proyeksi krisis air bersih, mendorong Bank untuk as the projected clean water crisis, encourages the Bank
mengelola penggunaan air dengan sebaik-baiknya. to manage water usage as well as possible. In addition to
Selain menganjurkan kepada seluruh karyawan agar encouraging all employees to be responsible in the use of
bertanggung jawab dalam pemakaian air, Bank juga water, the Bank makes announcements or appeals in the
membuat pengumuman atau himbauan berupa stiker form of stickers related to water saving in every sink and
terkait hemat air di setiap wastafel dan toilet di seluruh toilet in all branch offices, the use of water to wash eating
kantor cabang, penggunaan air untuk cuci peralatan or drinking utensils is set at 2 times in 1 day, closing the
makan atau minum ditetapkan 2 kali dalam 1 hari, menutup water tap after use and conducting routine monitoring for
kran air usai digunakan dan melakukan monitoring rutin leaks or negligence in forgetting to close the tap.
apakah ada kebocoran atau kelalaian lupa menutup kran.
Per 31 Desember 2022, volume penggunaan air tercatat As of December 31, 2022, the volume of water usage was
sebesar 35.426 m3, naik dibandingkan tahun 2021, dengan recorded at 35,426 m3, an increase compared to 2021, with
penggunaan sebesar 34.934 m3. Kenaikan terjadi karena a usage of 34,934 m3. The rise occurred due to an increase
adanya kenaikan penggunaan air pada beberapa kantor in water usage at several branch offices. [OJK F.8]
cabang. [OJK F.8]
Tabel Penggunaan Air Tahun 2020-2022 Table of Water Usage in 2020-2022
Uraian Satuan
2022 2021 2020
Description Unit
Pemakaian Air m3
35.426 34.934 39.259
Water Usage m3
Penambahan/(Pengurangan)
% 1,41 (11,02) (27,82)
Increase/(Decrease)
198 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 199
Environmental Performance
Pengelolaan Limbah Management of Waste
Sejalan dengan implementasi operasional kantor yang In line with implementing environmentally friendly office
ramah lingkungan, Bank semaksimal mungkin menerapkan operations, the Bank applies the 3R principles as much as
prinsip 3R (Reduce, Reuse dan Recycle). Untuk possible (Reduce, Reuse, and Recycle). To reduce plastic
mengurangi limbah plastik kemasan minuman sekali pakai waste from single-use beverage packaging, for example,
misalnya, Bank menerapkan kebijakan berupa kewajiban the Bank implements a policy in the form of the obligation
setiap karyawan membawa tumbler pribadi, penyediaan for each employee to bring their tumbler, provision of
dispenser air minum di setiap ruangan kerja dan ruang drinking water dispensers in every work room and meeting
rapat, serta penyajian air minum untuk tamu dengan gelas room, and serving drinking water to guests in glass cups.
berbahan kaca. Sementara itu, untuk pengelolaan sampah Meanwhile, for domestic office waste management, the
domestik perkantoran, Bank telah menyediakan tempat Bank has provided sufficient trash cans with a separation
sampah dalam jumlah cukup dengan pemisahan antara between organic and inorganic waste.
sampah organik dan sampah anorganik.
Pengelolaan Keanekaragaman Hayati [OJK F.10] Biodiversity Management [OJK F.10]
Komitmen Bank terhadap upaya mewujudkan lingkungan The Bank’s commitment to creating a better environment
yang lebih baik tak hanya dengan menjalankan is not only by running environmentally friendly office
operasional kantor yang ramah lingkungan, tetapi juga operations but also by conserving biodiversity. For
dilakukan dengan melakukan konservasi keanekaragaman this reason, the Bank, through Artha Graha Peduli, is
hayati. Untuk itu, Bank melalui Artha Graha Peduli bekerja working with the Bukit Barisan Selatan National Park
sama dengan Balai Besar Taman Nasional Bukit Barisan Agency (TNBBS) and the Bengkulu Natural Resources
Selatan (TNBBS) dan Balai Konservasi Sumber Daya Alam Conservation Agency to optimize the management of
Bengkulu melakukan optimalisasi pengelolaan Tambling Tambling Wildlife Nature Conservation (TWNC) covering
Wildlife Nature Conservation (TWNC) seluas 45.000 an area of 45,000 hectares, which is part of the Bukit
hektare, yang merupakan bagian dari Taman Nasional Barisan National Park. South with an area of 365,000
Bukit Barisan Selatan seluas 365.000 hektare yang terletak hectares located on the southern tip of Sumatra Island.
di ujung selatan Pulau Sumatra. Kegiatan yang dilakukan Activities carried out include:
antara lain:
1. Perlindungan dan Pengamanan Kawasan 1. Area Protection and Security
a. Penjagaan dan patroli rutin bersama. a. Joint surveillance and routine patrols.
b. Sosialisasi di daerah penyangga untuk mengurangi b. Outreach in buffer zones to reduce the potential
potensi terjadinya gangguan di kawasan konservasi. for disturbances in conservation areas.
c. Melakukan tindakan represif terhadap pelaku c. Carry out repressive measures against perpetrators
tindak pidana lingkungan hidup dan kehutanan. of environmental and forestry crimes.
d. Memetakan dan mengevaluasi terhadap lokasi d. Mapping and evaluating encroachment locations,
perambahan, lokasi rawan, dan lokasi yang vulnerable locations, and locations with potential
berpotensi terjadinya konflik. conflict.
e. Rakor tingkat Provinsi dengan instansi penegak e. Provincial-level coordination with law enforcement
hukum. (POLDA, KEJATI, PENGADILAN). agencies (Regional Police, High Court, Court).
2. Pemeliharaan Flora dan Fauna 2. Maintenance of Flora and Fauna
a. Penelitian keanekaragaman hayati (tumbuhan dan a. Biodiversity research (plants and animals) in the
satwa) di areal kolaborasi. collaboration area.
b. Survei distribusi dan populasi mamalia besar b. Distribution and population surveys of large
(gajah/harimau/badak) dan/atau mamalia penting mammals (elephant/tiger/rhinoceros) and/or other
lain. vital mammals.
c. Pembuatan database konservasi keanekaragaman c. Creating a database for biodiversity conservation.
hayati.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 199
Page 200
Kinerja Lingkungan
d. Pengembangan pusat rehabilitasi, penyelamatan, d. Development of rehabilitation, rescue, and
dan karantina tumbuhan dan satwa liar. quarantine centers for wild plants and animals.
e. Melaksanakan penelitian ilmiah bersama dengan e. Carry out joint scientific research with other
instansi lain yang bertujuan untuk mengembangkan agencies aiming to develop collaboration
ilmu pengetahuan di area kolaborasi. knowledge.
3. Pengembangan Wisata Alam dan Jasa Lingkungan 3. Development of Nature Tourism and Environmental
di TNBBS Area TWNC memiliki banyak potensi Services in TNBBS The TWNC area has a lot of tourism
wisata yang bisa dikembangkan. Dengan didukung potential that can be developed. Supported by a
tingkat kekayaan hayati yang tinggi, terutama dengan high level of biological richness, especially the iconic
ikon harimau sumatra (Panthera Tigris Sumatrae), Sumatra tiger (Panthera Tigris Sumatrae), the TWNC
memungkinkan wilayah TWNC menjadi salah satu region can become one of the best world-class tourist
destinasi wisata terbaik kelas dunia. destinations.
a. Pembuatan atau perawatan sarana dan prasarana a. Creation or maintenance of natural tourism
wisata alam di area kolaborasi. facilities and infrastructure in collaboration areas.
b. Melaksanakan promosi objek wisata alam melalui b. Carry out the promotion of natural tourism objects
berbagai media, brosur dan leaflet. through various media, brochures, and leaflets.
c. Pemeliharaan sarana prasarana objek wisata alam c. Maintenance of infrastructure facilities for natural
dan jalur pengamanan Kawasan. tourism objects and area security routes.
d. Publikasi keanekaragaman hayati, potensi obyek d. Publication of biodiversity, potential natural
wisata alam, kegiatan wisata alam dan pengelolaan tourism objects, nature tourism activities, and
kawasan konservasi secara kolaboratif melalui collaborative management of conservation areas
berbagai media. through various media.
4. Pemulihan Ekosistem/Pembinaan Habitat 4. Ecosystem Restoration/Habitat Development
Pemulihan ekosistem dan pembinaan habitat sangat Ecosystem restoration and habitat development are
penting dalam pengelolaan karena masih banyak critical in management because many areas still have
terdapatnya kawasan yang memiliki lahan kritis dan necessary land and land filled with weeds.
lahan yang dipenuhi oleh tumbuhan invasif.
a. Pengendalian tumbuhan invasif mantangan a. Control of weeds of manggar (Merremia Peltata).
(Merremia Peltata).
b. Penanaman tanaman asli area kolaborasi TNBBS b. Planting native plants in the collaboration area
di lahan bekas pengendalian mantangan dan area of BBSNP on formerly controlled lands and other
kritis lainnya. critical areas.
c. Pembuatan atau perawatan padang c. Creating or maintaining pastures for deer and
penggembalaan rusa dan satwa liar lainnya other wildlife (grazing areas).
(grazing area).
d. Pembuatan dan perawatan lokasi sumber air dan d. Creation and maintenance of water and mineral
mineral untuk satwa liar. sources for wildlife.
e. Pelepasan satwa liar di area kolaborasi. e. Release of wild animals in collaboration areas.
5. Pembinaan dan Pemberdayaan Masyarakat di Sekitar 5. Development and Empowerment of Communities
Kawasan Around the Area
a. Pendampingan dan penguatan kelompok- a. Assistance and strengthening of community
kelompok masyarakat. groups.
b. Peningkatan pelayanan kesehatan terhadap b. Improving health services to the community.
masyarakat.
c. Peningkatan dan fasilitasi pendidikan masyarakat c. Improvement and facilitation of community
sekitar area kolaborasi. education around the collaboration area.
d. Pendampingan sosial dan kebudayaan masyarakat d. Social and cultural assistance for the community
sekitar area kolaborasi. around the collaboration area.
200 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 201
Environmental Performance
6. Peningkatan dan Pengembangan Kualitas Sumber 6. Improving and Developing the Quality of Human
Daya Manusia Resources
a. Pelatihan SMART patrol dan pelatihan teknik a. SMART patrol training and training on sampling
sampling dan analisis data inventarisasi techniques, data analysis on biodiversity inventory,
keanekaragaman hayati dan pelatihan lainnya yang and other training supporting collaborative
mendukung kegiatan kolaborasi; activities;
b. Pengembangan kapasitas Polisi Kehutanan b. Capacity building for the Forestry Police (Polhut)
(Polhut) dan SGA dalam penguatan teknik and SGA in strengthening facilitation techniques,
fasilitasi, pengelolaan konflik dan pendampingan conflict management, and community assistance;
masyarakat; dan and
c. Pengembangan Pusat pembelajaran model Taman c. Development of an independent and collaborative
Nasional yang mandiri dan kolaboratif. National Park model learning center.
7. Perencanaan, Monitoring, Evaluasi, dan Supervisi 7. Planning, Monitoring, Evaluation, and Supervision
Program Perencanaan, Monitoring, Evaluasi dan The Planning, Monitoring, Evaluation, and Supervision
Supervisi bertujuan untuk mengkawal seluruh kegiatan Program aims to oversee all cooperation activities in
kerja sama dalam satu tahun agar mendapat hasil yang one year to obtain maximum results.
maksimal.
a. Pembahasan dan penyusunan Rencana Pelaksanaan a. Discussion and preparation of the Program
Program (RPP) dan Rencana Kerja Tahunan (RKT); Implementation Plan (RPP) and Annual Work Plan (RKT);
b. Ekspose hasil kegiatan kerja sama; b. Expose the results of collaborative activities;
c. Monitoring; c. Monitoring;
d. Evaluasi; d. Evaluation;
e. Supervisi; dan e. Supervision; and
f. Pelaporan. f. Reporting.
• Pengembangan Wisata Alam dan Jasa Lingkungan • Development of Nature Tourism and Environmental
di TNBBS Services in TNBBS
Area TWNC memiliki banyak potensi wisata yang bisa The TWNC area has a lot of tourism potential that can
dikembangkan. Dengan didukung tingkat kekayaan be developed. Supported by a high level of biological
hayati yang tinggi, terutama dengan ikon harimau richness, especially the iconic Sumatra tiger (Panthera
sumatra (Panthera Tigris Sumatrae), memungkinkan Tigris Sumatrae), the TWNC region has become one
wilayah TWNC menjadi salah satu destinasi wisata of the best world-class tourist destinations. One form
terbaik kelas dunia. Salah satu bentuk kegiatan of utilization of environmental services and nature
pemanfaatan jasa lingkungan dan wisata alam yang tourism carried out by TWNC is tourism promotion.
dilakukan oleh TWNC adalah melakukan promosi
wisata.
Sampai saat ini, pengelola TWNC masih fokus dalam Until now, TWNC managers are still focused on
kegiatan konservasi dan persiapan untuk menjadikan conservation and preparation activities to make
TWNC sebagai destinasi wisata yang bertaraf TWNC an international tourist destination, so tourism
internasional, sehingga aktivitas wisata belum menjadi activities have not become the leading activity
tujuan utama kegiatan. Meskipun begitu, TWNC destination. Even so, TWNC carries out several
melakukan beberapa kegiatan yang berkaitan dengan activities related to nature tourism, namely an inventory
wisata alam yaitu inventarisasi potensi, pembuatan of potential, manufacture, or maintenance of natural
atau perawatan sarana dan prasarana wisata alam, tourism facilities and infrastructure, promotion of
promosi objek wisata alam, pemeliharaan sarana dan natural tourist objects, maintenance of natural tourist
prasarana objek wisata alam dan jalur pengamanan facilities and infrastructure and area security pathways,
kawasan, publikasi keanekaragaman hayati, potensi publication of biodiversity, potential natural tourism
obyek wisata alam, kegiatan wisata alam dan objects, nature tourism activities, and collaborative
pengelolaan kawasan konservasi secara kolaboratif conservation area management through various
melalui berbagai media informasi. information media.
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 201
Page 202
Kinerja Lingkungan Biaya Lingkungan Environmental Cost Bank mengalokasikan biaya lingkungan pada tahun 2022 The Bank allocates IDR43.95 billion for environmental sebesar Rp43,95 miliar untuk keamanan dan kebersihan costs in 2022 for safety and hygiene and IDR22.02 million serta sebesar Rp22,02 juta untuk penanaman pohon for tree planting and assistance for agricultural facilities dan bantuan sarana dan prasarana pertanian untuk and infrastructure for the development of vegetable and pengembangan budidaya sayur dan buah. Jumlah itu fruit cultivation. This number has increased compared to naik dibandingkan tahun 2021 dengan biaya lingkungan 2021 with environmental costs of IDR40.93 billion. sebesar Rp40,93 miliar. [OJK F.4] [OJK F.4] 202 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 203
Environmental Performance
Lembar Umpan Balik [OJK G.2]
Feedback Sheet [OJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah membaca Laporan Thank you for reading the PT Bank Artha Graha Internasional Tbk 2022
Keberlanjutan Bank Artha Graha Internasional Tahun 2022. Untuk Sustainability Report. To improve the contents of the Sustainability
meningkatkan isi Laporan Keberlanjutan pada tahun-tahun mendatang, Report in the upcoming years, we hope for your willingness to fill out this
kami berharap Bapak/Ibu/Saudara bersedia untuk mengisi Lembar Umpan Feedback Sheet by circling any one answer and fill in the blanks provided,
Balik ini dengan melingkari salah satu jawaban dan mengisi titik-titik yang then send it to us.
tersedia, kemudian mengirimkannya kepada kami.
1. Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai kinerja ekonomi, sosial dan lingkungan yang dilakukan oleh Bank:
This Sustainability Report has provided clear information regarding the economic, social, and environmental performance carried out by the Bank:
o Setuju | Agree o Tidak Setuju | Disagree o Tidak tahu | Don’t know
2. Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai pemenuhan tanggung jawab sosial dan lingkungan Bank:
This Sustainability Report has provided clear information regarding the fulfillment of the Bank’s social and environmental responsibilities:
o Setuju | Agree o Tidak Setuju | Disagree o Tidak tahu | Don’t know
3. Materi dan data dalam Laporan Keberlanjutan ini mudah dimengerti dan dipahami.
The material and data in this Sustainability Report are easy to understand.
o Setuju | Agree o Tidak Setuju | Disagree o Tidak tahu | Don’t know
4. Materi dan data dalam Laporan Keberlanjutan ini sudah cukup lengkap.
The materials and data in this Sustainability Report are quite complete.
o Setuju | Agree o Tidak Setuju | Disagree o Tidak tahu | Don’t know
5. Apakah desain, tata letak, grafis dan foto-foto dalam Laporan Keberlanjutan ini sudah bagus?
Are the designs, layout, graphics and photos in this Sustainability Report good enough?
o Setuju | Agree o Tidak Setuju | Disagree o Tidak tahu | Don’t know
6. Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
What is the most useful information from this Sustainability Report?
.............................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................
7. Informasi apa yang dinilai kurang bermanfaat dari Laporan Keberlanjutan ini?
What is the least useful information in this Sustainability Report?
.............................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................
8. Informasi apa yang dinilai masih kurang dari Laporan Keberlanjutan ini dan perlu ditambahkan pada Laporan Keberlanjutan mendatang?
What information is considered lacking in this Sustainability Report and needs to be added to the next Sustainability Report?
.............................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................
.............................................................................................................................................................................................................................................
Identitas Pengirim | Sender Identity:
Nama | Name : Mohon formulir ini dikirimkan kembali ke:
E-mail : Please send this form to:
Identifikasi menurut kategori pemangku kepentingan:
Identification by stakeholder category: PT Bank Artha Graha Internasional Tbk
a. Pemegang Saham | Shareholders Gedung Artha Graha | Artha Graha Building
b. Pemerintah/Regulator | Government/Regulators Kawasan Niaga Terpadu Sudirman
c. Masyarakat | Public Sudirman Central Business District (SCBD)
d. Nasabah | Customer Jl. Jenderal Sudirman Kav. 52-53
e. Karyawan | Employee Jakarta Selatan | South Jakarta, 12190
f. Mitra bisnis | Business partner Tel. : +62 21 515 2168 (H)
g. Media massa | Mass media Fax. : +62 21 515 3892
h. LSM | NGO E-mail : co_secretary@ag.co.id
i. Lain-lain, sebutkan | Others, please specify ............. Website : www.arthagraha.com
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 203
Page 204
Tanggapan Terhadap Umpan Balik Laporan Tahun
Sebelumnya [OJK G.3]
Responses to Feedback on Previous Year’s Reports [OJK G.3]
PT Bank Artha Graha Internasional Tbk tidak menerima PT Bank Artha Graha Internasional Tbk did not receive
tanggapan atas penerbitan Laporan Keberlanjutan Tahun any response to the publication of the 2021 Sustainability
2021. Walau demikian, Perseroan telah melakukan upaya Report. However, the Company has made efforts to
penyempurnaan isi laporan sesuai dengan panduan improve the contents of the report in accordance with
POJK No. 51/OJK.03/2017 tentang Penerapan Keuangan POJK guidelines No. 51/OJK.03/2017 concerning
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan Implementation of Sustainable Finance for Financial
Perusahaan Publik, serta SEOJK No. 16/SEOJK.04/2021 Services Institutions, Issuers, and Public Companies,
tentang Bentuk dan Isi Laporan Tahunan Emiten atau as well as SEOJK No. 16/SEOJK.04/2021 concerning
Perusahaan Publik, serta GRI Universal Standards 2021. Form and Content of Annual Reports of Issuers or Public
Companies, as well as GRI Universal Standards 2021.
204 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 205
Verifikasi Tertulis dari Pihak Independen [OJK G.1] Written Verification from Independent Party [OJK G.1] Laporan keberlanjutan ini belum diverifikasi oleh This sustainability report has not been verified by the Penyedia Jasa Assurance (Assurance Services Provider). Assurance Service Provider. However, PT Bank Artha Namun demikian, PT Bank Artha Graha Internasional Tbk Graha Internasional Tbk guarantees that all information menjamin bahwa seluruh informasi yang diungkapkan disclosed in this report is true, accurate, and factual. dalam laporan ini adalah benar, akurat, dan faktual. PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 205
Page 206
Daftar Pengungkapan Sesuai POJK 51/
POJK.03/2017 [OJK G.4]
List of Disclosures According to POJK 51/POJK.03/2017 [OJK G.4]
No Indeks Nama Indeks Hal.
Index No. Name of Index Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 14
Sustainability Strategy Explanation
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspect Performance Overview
Aspek Ekonomi
B.1 8
Economic Aspect
Aspek Lingkungan
B.2 9
Environmental Aspect
Aspek Sosial
B.3 10
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 61
Vision, Mission, and Values of Sustainability
Alamat Perusahaan
C.2 57
Company’s Address
Skala Usaha
C.3 56, 146
Business Scale
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 64
Products, Services, and Business Activities
Keanggotaan pada Asosiasi
C.5 79
Membership in the Association
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
C.6 76
Significant Changes in Issuers and Public Companies
Penjelasan Direksi
Board of Directors Explanation
Penjelasan Direksi
D.1 33
Board of Directors Explanation
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan berkelanjutan
E.1 92
Responsible Person for Implementation of Sustainable Finance
Pengembangan Kompetensi Terkait Keuangan berkelanjutan
E.2 93
Competency Development Related to Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan berkelanjutan
E.3 95
Risk Assessment of the Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 101
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan berkelanjutan
E.5 117
Problems againts Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 20
Activities to Developing a Culture of Sustainability
206 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 207
No Indeks Nama Indeks Hal.
Index No. Name of Index Page
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan
dan Laba Rugi
F.2 124
Targets and Performance Comparison of Production, Portfolio, Financing Targets, or Investment,
Income and Profit/Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi Pada Instrumen
Keuangan atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
F.3 129
Targets and Performance Comparison of Portfolio, Financing Targets, or Investments in Financial
Instruments or Projects in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspect
Biaya Lingkungan Hidup
F.4 202
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 192
Environmentally Friendly Materials Use
Aspek Energi
Energy Aspect
Jumlah dan Intensitas Energi yang Digunakan
F.6 193, 195
Number and Intensity of Energy Used
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 193
Efforts and Achievements of Energy Efficiency and Renewable Energy Use
Aspek Air
Water Aspect
Penggunaan Air
F.8 198
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
F.9 Keanekaragaman Hayati N/R
Impacts from Operational Areas Near or Located in Conservation Areas or Have Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 199
Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
F.11 196
Number and Intensity of Emissions Generated by Type
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 N/R
Efforts and Achievements of Emission Reduction Conducted
Aspek Limbah Dan Efluen
Waste And Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 N/R
Number of Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 N/R
Waste and Effluent Management Mechanism
Tumpahan yang Terjadi (Jika Ada)
F.15 N/R
Spills Occured (If Any)
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 207
Page 208
No Indeks Nama Indeks Hal.
Index No. Name of Index Page
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspects Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 N/R
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan Atas Produk dan/atau Jasa
yang Setara Kepada Konsumen
F.17 178
Commitment of Financial Services Institutions, Issuers, or Public Companies to Provide Equivalent
Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 152
Equal Employment Opportunity
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 152
Child Labor and Forced Labor
Upah Minimum Regional
F.20 157
Regional Minimum Wage
Lingkungan Bekerja yang Layak Dan Aman
F.21 172
Decent and Safe Working Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 163
Employee Training and Development
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 131, 132
Impact of Operations on Surrounding Communities
Pengaduan Masyarakat
F.24 142, 183
Community Hotlines
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 136
Environmental Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan
F.26 180
Innovation and Development of Sustainable Financial Products/Services
Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi Pelanggan
F.27 182
Products/Services That The Security For Customers Have Been Evaluated
Dampak Produk/Jasa
F.28 182
Product/Service Impact
Jumlah Produk yang Ditarik Kembali
F.29 183
Number of Recalled Product
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 186
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 205
Written Verification from Independent Party (if any)
Lembar Umpan Balik
G.2 203
Feedback Sheet
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan TahunSebelumnya
G.3 204
Responses to Previous Year Report Feedback
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan Keuangan Berkelanjutan bagi
Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik
G.4 206
List of Disclosures in Accordance with POJK 51/2017 concerning the Implementation of Sustainable
Finance for Financial Services Institutions, Issuers, and Public Companies
208 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 209
INDEKS KONTEN GRI STANDARD 2022
GRI STANDARD CONTENT INDEX 2022
PT Bank Artha Graha Internasional Tbk telah melaporkan informasi yang dikutip dalam indeks konten GRI ini untuk
Pernyataan penggunaan periode 1 Januari 2022-31 Desember 2022 dengan merujuk kepada Standard GRI.
Usage statement PT Bank Artha Graha Internasional Tbk has reported the information cited in this GRI content index for the period
January 1, 2022 to December 31, 2022 with reference to the GRI Standards.
GRI Sektor Standards -
GRI Standards Sector -
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
GRI 2:
Pengungkapan
Umum 2021 Detail Organisasi 56, 57, 61,
2-1
GRI 2: Organization Details 70
2021 General
Disclosures
Entitas yang termasuk dalam
pelaporan keberlanjutan organisasi
2-2 48
Entities included in the organization’s
sustainability reporting
Periode pelaporan, frekuensi dan
titik kontak
2-3 46, 48, 52
Reporting period, frequency, and
contact points
Pernyataan ulang informasi
2-4 51
Restatement of information
Assurance oleh pihak eksternal
2-5 52
Assurance by external parties
Aktivitas, rantai nilai dan hubungan
56, 57, 62,
bisnis lainya
2-6 64, 70, 74,
Activities, value chains, and other
75, 76
business relationships
Karyawan
2-7 146
Employee
Pekerja yang bukan pekerja langsung
2-8 149
Not direct workers
Struktur tata kelola dan komposisi
2-9 Governance structure and 84, 88, 90
composition
Pendelegasian tanggung jawab
untuk mengelola dampak
2-13 92
Delegation of responsibility for
managing impacts
Pengetahuan kolektif badan tata
kelola tertinggi
2-17 93
Collective knowledge of the highest
governance body
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 209
Page 210
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
Pernyataan tentang strategi
pembangunan berkelanjutan
2-22 34
Statement on sustainable
development strategy
Keanggotaan asosiasi
2-28 79
Association membership
Pendekatan terhadap keterlibatan
pemangku kepentingan
2-29 101
Approach to stakeholder
engagement
Perjanjian perundingan kolektif
2-30 166
Collective bargaining agreement
TOPIK MATERIAL
MATERIAL TOPIC
GRI 3: Proses untuk menentukan topik
Topik Material material
3-1 48
2021 Process for determining material
GRI 3: topics
2021 Material Daftar topik material
Topics 3-2 49
List of material topics
PENGUNGKAPAN STANDAR KHUSUS
SPECIFIC STANDARD DISCLOSURES
TOPIK EKONOMI
ECONOMIC TOPIC
KINERJA EKONOMI
ECONOMIC PERFORMANCE
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 124, 126
GRI 3: Material topic management
2021 Material
Topics
GRI 201: Kinerja
Nilai ekonomi langsung yang
Ekonomi 2016
dihasilkan dan didistribusikan
GRI 201: 201-1 126
Direct economic value generated
2016 Economic
and distributed
Performance
KEBERADAAN PASAR
MARKET EXISTENCE
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 157
GRI 3: Material topic management
2021 Material
Topics
Rasio standar upah karyawan entry-
GRI 202: level berdasarkan jenis kelamin
Keberadaan Pasar terhadap upah minimum regional
202-1 157
GRI 202: The standard ratio of entry-level
Market Existence wage by gender to the regional
minimum wage
210 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 211
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
PRAKTIK PENGADAAN
PROCUREMENT PRACTICE
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 75
GRI 3: Material topic management
2021 Material
Topics
GRI 204: Praktik
Proporsi pengeluaran untuk pemasok
Pengadaan
lokal
GRI 204: 204-1 75
Proportion of expenses for local
Procurement
suppliers
Practices
ANTI KORUPSI
ANTI CORRUPTION
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 107, 114
GRI 3: Material topic management
2021 Material
Topics
Komunikasi dan pelatihan tentang
kebijakan dan prosedur anti korupsi
205-2 113
Communication and training on anti
corruption policies and procedures
Insiden korupsi yang terbukti dan
tindakan yang diambil
205-3 114
Proven incidents of corruption and
actions taken
TOPIK LINGKUNGAN
ENVIRONMENTAL TOPIC
ENERGI
ENERGY
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 193
GRI 3: Material topic management
2021 Material
Topics
GRI 302: Energi
Konsumsi energi dalam organisasi
2016
302-1 Energy consumption in the 193
GRI 302:
organization
2016 Energy
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 211
Page 212
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
TOPIK SOSIAL
SOCIAL TOPIC
KEPEGAWAIAN
EMPLOYMENT
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 152
GRI 3: Material topic management
2021 Material
Topics
Perekrutan karyawan baru dan
pergantian karyawan
401-1 153
Recruitment of new employees and
GRI 401: employee turnover
Kepegawaian Tunjangan yang diberikan kepada
2016 karyawan purnawaktu yang tidak
GRI 401: diberikan kepada karyawan
2016 Employment 401-2 sementara atau paruh waktu 156
Benefits provided to full-time
employees that are not provided to
temporary or part-time employees
KESEHATAN DAN KESELAMATAN KERJA
OCCUPATIONAL HEALTH AND SAFETY
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 173, 175
GRI 3: Material topic management
2021 Material
Topics
GRI 403:
Kesehatan dan
Keselamatan Kerja
Kecelakaan kerja
2018 403-9 175
Work Accident
GRI 403:
2018 Occupational
Health and Safety
PELATIHAN DAN PENDIDIKAN
TRAINING AND EDUCATION
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 152
GRI 3: Material topic management
2021 Material
Topics
Rata-rata jam pelatihan per tahun per
karyawan
404-1 160
Average annual training hours per
GRI 404: Pelatihan employee
dan Pendidikan
GRI 404: Persentase karyawan yang menerima
Training and tinjauan rutin terhadap kinerja dan
Education pengembangan karier
404-3 164, 165
Percentage of employees receiving
regular performance reviews and
career development
212 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 213
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
KEANEKARAGAMAN DAN KESEMPATAN SETARA
DIVERSITY AND EQUAL OPPORTUNITY
GRI 3:
Topik Material
2021 Manajemen topik material 146, 152,
3-3
GRI 3: Material topic management 156
2021 Material
Topics
GRI 405:
Keanekaragaman
dan Kesempatan Keanekaragaman badan tata kelola
Setara 2016 dan karyawan 146, 152,
405-1
GRI 405: Diversity of governance bodies and 156
2016 Diversity employees
and Equal
Opportunity
KEBEBASAN BERSERIKAT DAN PERUNDINGAN KOLEKTIF
FREEDOM OF ASSOCIATION AND COLLECTIVE BARGAINING
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 166
GRI 3: Material topic management
2021 Material
Topics
GRI 407:
Kebebasan
Operasi dan pemasok dimana hak
Berserikat dan
atas kebebasan berserikat dan
Perundingan
perundingan kolektif mungkin
Kolektif 2016
407-1 berisiko 166
GRI 407:
Operations and suppliers where the
2016 Freedom
right to freedom of association and
of Association
collective bargaining may be at risk
and Collective
Bargaining
MASYARAKAT LOKAL
LOCAL COMMUNITY
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 137
GRI 3: Material topic management
2021 Material
Topics
GRI 413: Operasi dengan keterlibatan
Masyarakat lokal masyarakat lokal, penilaian dampak,
2016 dan program pengembangan
413-1 136, 138
GRI 413: Operations with local community
2016 Local engagement, impact assessments,
community and development programs
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 213
Page 214
Pengecualian
Purpose - Sustainability Exception
Strategy and Stakeholder
Kode Halaman
Code
Engagement
Page Persyaratan
Purpose - Sustainability Strategy yang Alasan Penjelasan
and Stakeholder Engagement Dikecualikan Reason Explanation
Excluded Terms
PEMASARAN DAN PELABELAN
MARKETING AND LABELING
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 179
GRI 3: Material topic management
2021 Material
Topics
GRI 417: Insiden ketidakpatuhan terkait
Pemasaran dan informasi dan pelabelan produk dan
Pelabelan 2016 jasa
417-2 179, 180
GRI 417: Incidents of non-compliance related
2016 Marketing to the labeling and information of
and Labeling product and service
PRIVASI PELANGGAN
CUSTOMER PRIVACY
GRI 3:
Topik Material
2021 Manajemen topik material
3-3 183
GRI 3: Material topic management
2021 Material
Topics
Insiden ketidakpatuhan sehubungan
GRI 418: Privasi
dengan dampak kesehatan dan
Pelanggan 2016
keselamatan dari produk dan jasa
GRI 418: 418-1 183
Incidents of non-compliance related
2016 Customer
to the health and safety impacts of
Privacy
products and services
214 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 215
SUSTAINABILITY ACCOUNTING STANDARDS
COMMERCIAL BOARD (SASB)
Unit of
Topic Accounting Metric Category Measure Code Halaman
Topic Accounting Metric Category Unit of Code Page
Measure
1) Number of data breaches, (2)
Number,
percentage involving personally
Quantitative Percentage FN-CB-230a.1 183
identifiable information (PII),
(%)
(3) number of account holders affected
Data Security
Description of approach to identifying Discussion
n/a FN-CB-230a.2 183
and addressing data security risks and Analysis
(1) Number and (2) amount of loans
Number,
outstanding qualified to programs
Quantitative Reporting FN-CB-240a.1 127
designed to promote small business
currency
and community development
(1) Number and (2) amount of past
Number,
due and nonaccrual loans qualified to
Quantitative Reporting FN-CB-240a.2 125
programs designed to promote small
Financial Inclusion & currency
business and community development
Capacity Building
Number of no-cost retail checking
accounts provided to previously Quantitative Number FN-CB-240a.3 127
unbanked or underbanked customers
Number of participants in financial
literacy initiatives for unbanked,
Quantitative Number FN-CB-240a.4 127
underbanked, or underserved
customers
Commercial and industrial credit Reporting
Quantitative FN-CB-410a.1 127
Incorporation of exposure, by industry currency
Environmental, Social,
Description of approach to
and Governance Factors
incorporation of environmental, social, Discussion
in Credit Analysis n/a FN-CB-410a.2 99
and governance (ESG) factors in credit and Analysis
analysis
Total amount of monetary losses as a
result of legal proceedings associated
with fraud, insider trading, anti-trust,
Reporting
anti-competitive behavior, market Quantitative FN-CB-510a.1 114
currency
manipulation, malpractice, or other
Business Ethics related financial industry laws or
regulations
Description of whistleblower policies Discussion
n/a FN-CB-510a.2 110
and procedures and Analysis
Tidak
Global Systemically Important Bank
Quantitative Basis points (bps) FN-CB-550a.1 Termasuk
(G-SIB) score, by category
Not Included
Description of approach to
incorporation of results of mandatory
and voluntary stress tests into capital Discussion
n/a FN-CB-550a.2 95
adequacy planning, long-term and Analysis
Systemic Risk
corporate strategy, and other business
Management
activities
(1) Number and (2) value of loans by
segment:
Number,
(a) personal, (b) small business, and (c)
Quantitative Reporting FN-CB-000.B 8
corporate
currency
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 215
Page 216
SUSTAINABLE BANKING ASSESSMENT (SUSBA)
Code Purpose - Sustainability Strategy and Stakeholder Engagement Halaman
Code Purpose - Sustainability Strategy and Stakeholder Engagement Page
1.1.1 Is there a clear reference to sustainability in the bank’s strategy and long-term vision 14
1.1.3 Does the leadership statement make reference to the integration of ESG factors in the bank’s business strategy? 14
1.1.4 Is there a clear reference to sustainable development goals (SDGs) in the bank’s trategy or vision? 36
1.1.5 Does the bank explicitly acknowledge the societal and economic risks associated with climate change? 138
Does the bank explicitly acknowledge the societal and economic risks associated with environmental
1.1.6 99
degradation?
1.1.7 Does the bank disclose the types of Stakeholders it engages with on ESG issues? 102
Does the bank engage with civil society and/or non-governmental organisations to understand the ESG impacts
1.1.8 102
of its business activities?
1.1.9 Does the bank disclose the frequency and mode of communication with Stakeholders? 102
1.1.10 Has the bank identified responsible financing/lending and/or other key E&S issues as material? 99
Purpose - Participation in Sustainable Finance Initiatives
Purpose - Participation in Sustainable Finance Initiatives
1.2.2 Does the bank engage with regulators and policy makers on ESG integration and/or sustainable finance topics? 14,102
Policies – Public Statements On Specific ESG Issues
Policies – Public Statements On Specific ESG Issues
Does the bank have exclusionary principles covering activities the bank will not support, taking into account
2.1.1 99
ESG considerations?
2.1.4 Does the bank acknowledge biodiversity loss and/or deforestation risks in its clients’ activities? 190
Does the bank have a commitment not to provide financial products and services to projects or companies
2.1.7 190
located in, or having negative impacts on, UNESCO World Heritage Sites?
Does the bank recognize human rights risks, including those related to local communities, in its clients’
2.1.10 152
activities?
2.1.12 Does the bank recognize labour rights violations as a risk across all sectors? 152
Policies – Public Statements On Specific ESG Issues
Policies – Public Statements On Specific ESG Issues
2.2.2 Does the bank disclose its requirements/policies for environmentally or socially sensitive sectors? 191
Do the bank’s E&S policies include minimum requirements or recommendations based on internationally
2.2.3 191
recognized standards for best E&S practices (e.g. IFC Performance Standards, RSPO, FSC, etc.)?
216 Laporan Keberlanjutan 2022 - PT Bank Artha Graha Internasional Tbk
Page 217
Policies – Public Statements On Specific ESG Issues
Policies – Public Statements On Specific ESG Issues
3.1.1 Does the bank disclose its requirements/policies for environmentally or socially sensitive sectors? 99,135
Do the bank’s E&S policies include minimum requirements or recommendations based on internationally
3.1.2 99,135
recognized standards for best E&S practices (e.g. IFC Performance Standards, RSPO, FSC, etc.)?
3.1.3 As part of the approval process does the bank classify its clients and transactions based on E&S risk assessment? 99,135
3.1.5 Do the E&S risk assessment outcomes influence transaction and client acceptance decisions? 99,135
People - Responsibilities For ESG
People - Responsibilities For ESG
4.1.1 Is senior management responsible for the implementation of the bank’s ESG strategy? 99
Do senior management’s responsibilities include management of climate change risks and opportunities relevant
4.1.2 99
to the bank’s activities?
Does the bank describe the roles and responsibilities of the various departments, committees or teams involved
4.1.3 99
in developing and implementing its E&S policies?
4.1.4 Has the bank put in place an internal control system with three lines of defence to manage E&S issues? 99
Do the terms of reference of the Audit committee require sustainability-related matters to be included in
4.1.7 96
internal control and audit processes?
4.1.8 Does the bank implement periodic audits to assess implementation of E&S policies and procedures? 96-99
People - Staff E&S Training And Performance Evaluation
People - Staff E&S Training And Performance Evaluation
4.2.1 Does the bank have a dedicated ESG team to implement E&S policies and procedures? 92
4.2.2 Does the bank train its staff on E&S policies and implementation processes? 93
4.2.3 Does the bank provide specific training for its senior management, covering sustainability issues? 93
Products – ESG Integration In Products And Services
Products – ESG Integration In Products And Services
Does the bank offer specific financial products and services (e.g. green bonds, sustainability-linked loans,
5.1.2 impact financing) that support the mitigation of E&S issues, e.g. climate change, water scarcity and pollution, 129-131
deforestation?
Does the bank allocate specific pools of capital or set targets to increase the share of its financing that supports
5.1.3 8,132
activities with a positive environmental or social impact?
Does the bank hold client outreach events to raise awareness and share on good E&S practices (e.g. through
5.1.4 128,140
joint workshops)?
PT Bank Artha Graha Internasional Tbk- Sustainability Report 2022 217
Page 218
Page 219
Kami, yang bertanda tangan di bawah ini, menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Keberlanjutan in the Sustainability Report of PT Bank Artha Graha
PT Bank Artha Graha Internasional Tbk tahun 2022 telah Internasional Tbk for year 2022 has been fully contained
dimuat secara lengkap dan bertanggung jawab penuh and we shall be fully responsible to the correctness of
atas kebenaran isi Laporan Keberlanjutan Bank. contents in the Sustainability Report Bank.
Demikian pernyataan ini di buat dengan sebenarnya. This statement is hereby made in all truthfulness.
Direksi,
Board of Directors,
Andy Kasih Christina Harapan
Direktur Utama Wakil Direktur Utama
President Director Vice President Director
Anas Latief Indra S. Budianto
Direktur Kepatuhan/Direktur Independen Direktur
Compliance Director/Independent Director Director
Indrastomo Nugroho Andy Dharma
Direktur Direktur
Director Director
Page 220
2022 LAPORAN KEBERLANJUTAN SUSTAINABILITY REPORT PT Bank Artha Graha Internasional Tbk Gedung Artha Graha Jln. Jenderal Sudirman Kav. 52-53 Jakarta 12190 T. +62 21 515 2168 F. +62 21 515 3892 Graha Call 0800-191-8880 www.arthagraha.com
Names mentioned 0 people and organisations named in the text · linked when the evidence is strong
The name pass has not read this document yet.
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.