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2 BANK NTT Laporan Keberlanjutan 2024 Kesinambungan Tema Continuity of Theme Tema ini mencerminkan komitmen strategis Bank NTT untuk mendukung pembangunan berkelanjutan di wilayah Nusa Tenggara Timur melalui pertumbuhan ekonomi yang inklusif, pemberdayaan sosial masyarakat, serta pengelolaan lingkungan yang bertanggung jawab. Dalam mewujudkan visi ini, Bank NTT secara aktif meningkatkan akses layanan keuangan bagi UMKM, memperkuat kapasitas masyarakat melalui berbagai program sosial, serta konsisten menjalankan kegiatan operasional yang ramah lingkungan, sehingga menciptakan dampak nyata bagi kemajuan daerah dan kesejahteraan masyarakat. This theme reflects Bank NTT’s strategic commitment to support sustainable development in the East Nusa Tenggara region through inclusive economic growth, community social empowerment, and responsible environmental management. In realizing this vision, Bank NTT actively increases access to financial services for MSMEs, strengthens community capacity through various social programs, and consistently carries out environmentally friendly operational activities, thus creating a real impact on regional progress and community welfare.
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2024 Sustainability
Annual ReportReport Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
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BANK NTT Laporan Keberlanjutan 2024
Daftar Isi
Table of Contents
2 Kesinambungan Tema
Kesinambungan Tema
2 Daftar Isi
Table of Contents
4 Strategi Berkelanjutan:
Bank Ntt Menuju
Perbankan
Berkelanjutan
Sustainable Strategy: Bank Ntt
Towards Sustainable Banking
16 Kinerja Berkelanjutan
Sustainable Performance
18 Kontribusi Bank Ntt Terhadap
Pembangunan Ekonomi Nusa
Tenggara Timur
Bank Ntt's Contribution To The
Economic Development Of East
Nusa Tenggara 82 Tata Kelola 130 Kinerja Berkelanjutan
48 Laporan Manajemen Berkelanjutan Sustainable Performance
Management Report Sustainable Governance 132 Kinerja Berkelanjutan
50 Laporan Direksi 84 Tata Kelola Berkelanjutan Sustainable Performance
Laporan Direksi Sustainable Governance 142 Investasi Masyarakat
57 Lembar Pengesahan Laporan 89 Komposisi Tata Kelola Community Investment
Keberlanjutan 2024 Bank NTT Berkelanjutan
150 Pengelolaan Sumber Daya
Bank NTT 2024 Sustainability Governance Composition Manusia (Sdm) Secara
Report Approval Sheet 97 Pengembangan Kompetensi Berkelanjutan
Organ Tata Kelola Berkelanjutan Social Community
58 Profil Perusahaan
Competency Development Empowerment
Company Profile
Of Sustainable Governance 162 Perlindungan Kepada Nasabah
60 Milestone Sejarah Bank NTT Organs
Customer Protection
A Brief History Of Bank Ntt
101 Tata Kelola Berkelanjutan
170 Tanggung Jawab Kepada
63 Visi, Misi Dan Nilai Keberlanjutan Sustainable Governance Sektor Pendidikan
Vision, Mission and Sustainability
102 Laporan Keberlanjutan Responsibility to the Education
Values
Sustainability Report Sector
65 Informasi Umum Perusahaan
General Information 107 Penerapan Prinsip Pencegahan 178 Tanggung Jawab Sosial
dan Manajemen Risiko dan Lingkungan (TJSL)
68 Struktur Organisasi Application Of Risk Prevention Social and Environmental
Organizational Structure and Management Principles Responsibility (CSR)
70 Kegiatan Usaha 109 Kegiatan Usaha dan Layanan 180 Kegiatan Tanggung Jawab
Business Activities Business Activities and Services Sosial dan Lingkungan (TJSL)
Bank NTT Tahun Buku 2024
72 Skala Perusahaan 117 Tata kelola Berkelanjutan
Social and Environmental
Company Scal Sustainable Governance Responsibility (CSR) Activities
73 Informasi Mengenai Pegawai of Bank NTT for Financial Year
Employee Information 2024
77 Informasi Kepemilikan Saha
Share Ownership Information
79 Wilayah Operasional
Operational Area
81 Keanggotaan Asosiasi
Associate Membership
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
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BANK NTT Laporan Keberlanjutan 2024
STRATEGI BERKELANJUTAN : BANK NTT
MENUJU PERBANKAN BERKELANJUTAN
Sustainable Strategy: Bank Ntt Towards Sustainable Banking
Tujuan Keuangan Berkelanjutan (KB)
Sustainable Finance Goals (KB)
Planet
Pelestarian lingkungan lewat
Profit kredit ramah lingkungan
Pertumbuhan ekonomi jangka panjang Preserving the environment
Long-term economic growth through green credit
People
Mengurangi kesenjangan sosial
melalui pembiayaan UMKM
Reducing social inequality
through MSME financing
Pengantar Introduction
Penerbitan laporan keberlanjutan merupakan The issuance of sustainability reports is an obligation
kewajiban sejak berlakunya Peraturan Otoritas Jasa since the enactment of the Financial Services
Keuangan (POJK) No. 51/POJK.03/2017 tentang Authority Regulation (POJK) No. 51/POJK.03/2017
Penerapan Keuangan Berkelanjutan bagi Lembaga concerning the Implementation of Sustainable
Jasa Keuangan, Emiten, dan Perusahaan Publik. Finance for Financial Services Institutions, Issuers,
Sebagai Bank yang masuk dalam jajaran Kelompok and Public Companies. As a Bank that is included in
Bank Berdasarkan Modal Inti (KBMI) 1 maka untuk the ranks of the Bank Group Based on Tier 1 Capital
PT. Bank NTT, peraturan tersebut berlaku efektif per (KBMI), for PT Bank NTT, the regulation is effective as
1 Januari 2020, yang ditandai dengan penerbitan of January 1, 2020, which is marked by the issuance
Rencana Aksi Keberlanjutan Bank (RAKB) 2020. of the 2020 Bank Sustainability Action Plan (RAKB).
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Dengan demikian, Laporan Keberlanjutan PT Bank Thus, the Sustainability Report of PT Bank NTT
NTT 2024 merupakan laporan keempat yang isinya 2024 is the fourth report whose contents relate to
berkaitan dengan pelaksanaan RAKB Bank NTT di the implementation of the RAKB of Bank NTT in the
Tahun sebelumnya. previous year.
Laporan ini berisi tentang kinerja keberlanjutan This report contains the sustainability performance of
Bank NTT di bidang ekonomi, sosial dan lingkungan Bank NTT in the economic, social and environmental
dengan periode pelaporan 1 Januari-31 Desember fields with a reporting period of January 1 to
2024. Informasi yang disampaikan dalam laporan ini December 31, 2024. The information presented in
berasal dari Bank NTT (Pengungkapan 102-45, 102- this report comes from Bank NTT (Disclosures 102-45,
50, 102-51, 102-52). 102-50, 102-51, 102-52).
Keuangan Berkelanjutan merupakan suatu dukungan Sustainable Finance is a comprehensive support from
menyeluruh dari sektor jasa keuangan untuk the financial services sector to create sustainable
menciptakan pertumbuhan ekonomi berkelanjutan economic growth by harmonizing economic, social
dengan menyelaraskan kepentingan ekonomi, and environmental interests. The biggest challenge
sosial, dan lingkungan hidup. Tantangan terbesar in implementing sustainable finance is to convince
dalam menerapkan keuangan berkelanjutan adalah businesses and the public that efforts to generate
meyakinkan pelaku usaha dan masyarakat bahwa profits will be better and more lasting if done by
upaya untuk menghasilkan keuntungan akan considering natural resources and social impacts on
lebih baik dan langgeng jika dilakukan dengan society. This is known as the profit, people, planet
mempertimbangkan sumber daya alam dan dampak (3P) principle. Thus, an initiative is needed that can
sosial kepada masyarakat. Hal ini yang dikenal change the mindset of businesses from pursuing
sebagai prinsip profit, people, planet (3P). Dengan short-term profits to long-term prosperity.
demikian, diperlukan sebuah inisiatif yang dapat
mengubah pola pikir pelaku usaha dari mengejar
keuntungan jangka pendek menjadi kemakmuran
jangka panjang.
Dalam laporan ini termuat berbagai informasi This report contains various information such as
seperti laporan kinerja, kebijakan, strategi, inisiatif, performance reports, policies, strategies, initiatives,
serta dampak kegiatan Perusahaan terhadap aspek and the impact of the Company’s activities on
keberlanjutan, yakni ekonomi, sosial, dan lingkungan sustainability aspects, namely economic, social and
sebagai bentuk nyata kontribusi Perusahaan dalam environmental as a tangible form of the Company’s
mendukung pencapaian tujuan pembangunan contribution in supporting the achievement of
berkelanjutan (Sustainable Development Goals). Sustainable Development Goals.
Meskipun sebenarnya Bank NTT telah melakukan Although in fact Bank NTT has carried out several
beberapa kegiatan yang dapat dikategorikan activities that can be categorized as activities that
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BANK NTT Laporan Keberlanjutan 2024
sebagai kegiatan yang mendukung Keuangan support Sustainable Finance, namely providing
Berkelanjutan, yaitu pemberian kredit dan credit and assistance (product standardization,
pendampingan (standarisasi produk, kemasan, packaging, licensing, marketing) for MSME actors,
perijinan, pemasaran) bagi para pelaku UMKM, Merdeka Microcredit with the target of unbankable
Kredit Mikro Merdeka dengan target debitur debtors and 0% interest, Agricultural and Livestock
unbankable dan bunga 0%, Pembiayaan Pertanian Financing, Syndicated Credit and Regional Loans
dan Peternakan, Kredit Sindikasi dan Pinjaman for Road Infrastructure Development, Drinking
Daerah untuk Pembangunan Infrastruktur Jalan, Water and Sanitation Provision Credit (KSPAMS) and
Kredit Penyediaan Air Minum dan Sanitasi (KSPAMS) Microhydro Energy Credit, Financing Ecosystems for
serta Kredit Energi Mikrohidro, Ekosistem Pembiayaan Actors in Bank NTT Assisted Villages. In addition, Bank
untuk Pelaku di Desa Binaan Bank NTT. Selain itu NTT also pays attention to social and environmental
Bank NTT juga memberikan perhatian pada aspek aspects through Corporate Social Responsibility
sosial dan lingkungan hidup melalui kegiatan (CSR) activities that are in line with the Sustainable
Corporate Sosial Responsibility (CSR) yang selaras Development Goals (SDGs), one of which is through a
dengan Tujuan Pembangunan Berkelanjutan special movement towards providing assistance and
(Sustainable Development Goals/SDGs) salah donations for stunting children that has been running
satu melalui gerakan khusus terhadap pemberian for several years and also other social actions in
bantuan maupun sumbangan bagi anak-anak supporting environmental conservation efforts, one
Stunting yang telah berjalan dalam beberapa tahun of which is by planting Mangroves in the Mangrove
ini dan juga aksi social lainnya dalam mendukung Forest Area in the Oesapa Area.
upaya pelestarian lingkungan salah satunya dengan
penanaman Mangrove pada Kawasan Hutan
Mangrove di Kawasan Oesapa.
Tujuan Rencana Aksi Objectives of Bank NTT
Keuangan Berkelanjutan Sustainable Finance Action
Bank NTT Plan
Bank NTT memiliki prioritas kegiatan dan tujuan Bank NTT has prioritized the activities and objectives
RAKB 2024-2026 yang selaras dengan tujuan of the 2024-2026 RAKB in line with the objectives of
dikeluarkannya Peraturan Otoritas Jasa Keuangan the Financial Services Authority Regulation No. 51/
Nomor 51/POJK.03/2017, yaitu : POJK.03/2017, namely:
1. Peningkatan penyediaan produk dan jasa 1. Increased provision of financial products
keuangan yang mendukung prinsip Keuangan and services that support the principles of
Berkelanjutan (KB) termasuk untuk mengurangi Sustainable Finance (SF) including to reduce
kesenjangan sosial dan ekonomi serta mendorong social and economic disparities and encourage
lebih terjaganya aspek lingkungan hidup. Bank more environmental aspects. Bank NTT targets
NTT menargetkan porsi pembiayaan kepada the portion of financing to sustainable finance
kegiatan keuangan berkelanjutan sekitar 35% dari activities to be around 35% of the total credit
total kredit yang diberikan pada tahun 2024. provided by 2024.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
2. Pengembangan kapasitas internal bank 2. The development of the bank’s internal capacity
dilakukan sebagai pra-syarat terciptanya peran is carried out as a pre-requisite for the creation of
Bank NTT dalam Keuangan Berkelanjutan. Bank NTT’s role in Sustainable Finance. Improving
Peningkatkan kualitas sumber daya manusia the quality of Bank NTT’s human resources carried
Bank NTT dilaksanakan melalui pelatihan untuk out through training to understand and be able
memahami dan mampu menjalankan prinsip to implement the principles of sustainable finance
keuangan berkelanjutan baik dalam pekerjaan both in daily work and in personal life and society
sehari-hari maupun dalam kehidupan pribadi dan more broadly. Internal capacity building is also
bermasyarakat secara lebih luas. Pengembangan carried out by Bank NTT by inviting partners,
kapasitas internal ini juga dilakukan Bank NTT customers and the surrounding community to
dengan mengajak mitra kerja, nasabah dan understand and implement Sustainable Finance.
masyarakat sekitar dalam memahami dan Bank NTT estimates that by 2024 all organic
menerapkan Keuangan Berkelanjutan. Bank employees, which currently number around 2,053
NTT memperkirakan bahwa pada tahun 2024 people and 450 customers, will have received
seluruh pegawai organik yang saat ini berjumlah training on the application of sustainable finance.
sekitar 2.053 orang dan 450 orang nasabah Bank NTT hopes that the training participants,
telah memperoleh pelatihan tentang penerapan both internal and customers, will not only apply
keuangan berkelanjutan. Bank NTT berharap Sustainable Finance in business processes, but
kepada peserta pelatihan baik internal maupun also be able to apply it in their daily lives and pass
nasabah tersebut tidak hanya akan menerapkan it on to the people of NTT.
Keuangan Berkelanjutan dalam proses bisnis,
tetapi juga dapat menerapkannya dalam
kehidupan sehari-hari dan menularkannya
kepada masyarakat NTT.
3. Penyesuaian organisasi, manajemen risiko 3. Organizational, risk management and
dan tata kelola untuk pengambilan keputusan governance adjustments for business and
bisnis dan operasional akan ditambahkan operational decision-making will be added by
dengan memperhatikan bukan hanya aspek taking into account not only economic aspects
ekonomi (profit) melainkan juga aspek sosial dan (profit) but also social and environmental aspects.
lingkungan hidup. Pengembangan teknologi The development of information technology for
informasi untuk pelayanan kepada pemda services to local governments and communities
dan masyarakat akan mempermudah akses will facilitate public access to public services and
masyarakat dalam pelayanan publik dan improve good corporate governance.
meningkatkan good corporate governance.
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BANK NTT Laporan Keberlanjutan 2024
Pencapaian Target Pembiayaan Berkelanjutan 2024
Achieving Sustainable Financing Target 2024
35%
“ Portofolio Keuangan
”
Berkelanjutan di Tahun 2024.
Sustainable Finance
portfolio by 2024
Program Jangka Pendek Short-term and Long-term
dan Jangka Panjang Programs
Bank NTT pada RAKB 2024 – 2026 telah menyusun Bank NTT in the RAKB 2024 - 2026 has developed
program yang akan diimplementasikan pada 1 (satu) a program that will be implemented in the next 1
hingga 3 (tiga) tahun ke depan dengan tiga fokus (one) to 3 (three) years with three focuses on the
keberlanjutan pengembangan portofolio kredit sustainability of sustainable financial credit portfolio
keuangan berkelanjutan, pengembangan kapasitas development, internal capacity development and
internal dan penyesuaian organisasi, manajemen organizational adjustments, risk management, SOPs
risiko, SOP dan teknologi informasi, sebagai berikut: and information technology, as follows
Tabel Program Jangka Pendek dan Jangka Panjang
Table of Short-term and Long-term Programs
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Target Priority Activities Indicators of Success
2024 a. Program Pembiayaan Infrastruktur - Portofolio Kredit UMKM, pembiayaan infrastruktur
melalui Kredit Sindikasi dan Pinjaman berkelanjutan bertumbuh minimal 7%;
Daerah, Program Peningkatan
Portofolio Pembiayaan UMKM, Program
Pengembangan Desa Binaan Bank NTT.
b. Program Ekosistem Pembiayaan Pertanian - Portofolio kredit sektor unggulan termasuk bidang Pertanian
dan Peternakan yang terintegrasi dan Peternakan, Sistem Penyediaan air minum dan sanitasi,
Lingkungan, Program Kredit Sistem termasuk energy baru terbarukan bertumbuh minimal 6,5%
Penyediaan Air Minum dan Sanitasi dari portofolio kredit;
(KSPAMS), Program Pembiayaan Energi
Baru Terbarukan (EBT).
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Tabel Program Jangka Pendek dan Jangka Panjang
Table of Short-term and Long-term Programs
Tahun Target Kegiatan Prioritas Indikator Keberhasilan
Year Target Priority Activities Indicators of Success
c. Penyesuaian kebijakan dan SOP sehingga - Revisi kebijakan dan SOP yang mendukung Keuangan
mendukung Keuangan Berkelanjutan Berkelanjutan
d. Pelatihan Keuangan Berkelanjutan bagi - Pengurus, Pejabat Eksekutif & Manajer (10% dari jumlah
Para Pejabat Eksekutif dan para manajer. karyawan) mengikuti Pelatihan KB.
e. Program hemat listrik, hemat kertas dan - Konsumsi listrik & kertas turun 10% dan stop penggunaan
pengurangan sampah plastik botol/gelas plastik
f. Digitalisasi pelayanan pemda dan - Melanjutkan penerapan Smart Branch, Aplikasi Be Pung
masyarakat Mobile untuk system pembayaran dan Inisiasi Pinjaman,
Customer On Boarding (COB), Loan Origination System (LOS),
IBB (Internet Bangking Bisnis), OOB (Online On Boarding), Cash
Management System (CMS), SP2D online, SIPD, Pembayaran
9 Pajak Daerah,Digital Loan, Aplikasi Siskeudes, PBB, BPHTB,
PDAM, PKB, KKI (kartu Kredit Indonesia), Pembayaran Uang
Sekolah, Retribusi Pasar, dll
a. Infrastructure Financing Program through - MSME loan portfolio, sustainable infrastructure financing to
Syndicated Loans and Regional Loans, grow at least 7%;
MSME Financing Portfolio Improvement
Program, Bank NTT Assisted Village
Development Program.
b. Environmentally integrated Agriculture - The loan portfolio of leading sectors including agriculture
and Livestock Financing Ecosystem and livestock, water supply and sanitation systems, including
Program, Drinking Water Supply and renewable energy grew by at least 6.5% of the loan portfolio;
Sanitation System Credit Program
(KSPAMS), Renewable Energy Financing
Program (EBT).
c. Adjustment of policies and SOPs to - Revision of policies and SOPs that support Sustainable
support Finance Finance
d. Sustainable Finance Training for - Management, Executive Officers & Managers (10% of
Executives and managers. employees) participated in Family Planning Training.
e. Electricity saving, paper saving and - Reduce electricity & paper consumption by 10% and stop
plastic waste reduction programs using bottles/glasses
f. Digitalization of local government and - Continue the implementation of Smart Branch, Be Pung
services Mobile Application for payment system and Loan Initiation,
Customer On Boarding (COB), Loan Origination System (LOS),
IBB (Internet Bangking Bisnis), OOB (Online On Boarding),
Cash Management System (CMS), online SP2D, SIPD, Local
Tax Payment, Digital Loan, Siskeudes Application, PBB, BPHTB,
PDAM, PKB, KKI (Indonesian Credit card), School Tuition
Payment, Market Retribution, etc.
2024 – Peningkatan portofolio Keuangan Kredit Keuangan Berkelanjutan mencapai 35% di Tahun 2024
2026 Berkelanjutan Sustainable Finance Credit to reach 35% by 2024
Enhanced Finance portfolio
Apabila diperlukan, Bank NTT dapat melakukan If necessary, Bank NTT may adjust the action plan
penyesuaian rencana aksi tersebut dengan while taking into account business developments
tetap memperhatikan perkembangan bisnis dan and the application of prudential principles, and in
penerapan prinsip kehati-hatian, serta sesuai accordance with the Technical Guidelines for Banks
dengan Pedoman Teknis bagi Bank Terkait Related to the Implementation of POJK No.51/
Implementasi POJK No.51/ POJK.03/2017. POJK.03/2017.
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BANK NTT Laporan Keberlanjutan 2024
Program Unggulan Tahun 2024
Flagship Program for 2024
1 2 3 4 5 6 7
Pembiayaan Pembiayaan Desa Binaan Pertanian dan Energi Baru Penyediaan Sarana dan
Infrastruktur UMKM Bank NTT Peternakan Terbarukan Air Minum Prasarana
dan Kredit MSME Bank NTT Ramah (EBT) dan Sanitasi Kesehatan
Sindikasi Financing Assisted Village Lingkungan New (KSPAMS) Health
Infrastructure Eco-Friendly Renewable Water Supply Facilities and
Financing and Agriculture and Energy (EBT) and Sanitation Infrastructure
Syndicated Livestock (KSPAMS)
Loans
RAKB Jangka Pendek (2024) Short-term RAKB (2024)
Dalam periode Tahun 2024, Bank NTT mencanangkan In the period of 2024, Bank NTT has launched 8
8 Program Aksi Keuangan Berkelanjutan, dengan Sustainable Finance Action Programs, with details of
perincian setiap program adalah sebagai berikut : each program as follows
a. Pengembangan Portofolio Kredit Keuangan a. Sustainable Finance Credit Portfolio Development
Berkelanjutan 2024 2024
Bank NTT akan meningkatkan portofolio kredit Bank NTT will increase its credit portfolio to
kepada kegiatan usaha keuangan berkelanjutan sustainable finance business activities by 2024
pada tahun 2024 dengan beberapa program with several work programs, as follows:
kerja, sebagai berikut :
1) Program Pembiayaan Infrastruktur melalui 1) Infrastructure Financing Program through
Kredit Sindikasi dan Pinjaman Daerah; Syndicated Loans and Regional Loans;
2) Program Peningkatan Portofolio Pembiayaan 2) MSME Financing Portfolio Improvement
UMKM; Program;
3) Program Pengembangan Desa Binaan Bank 3) Bank NTT Assisted Village Development
NTT; Program;
4) Program Ekosistem Pembiayaan Pertanian 4) Environmentally integrated Agriculture and
dan Peternakan yang terintegrasi Lingkungan; Livestock Financing Ecosystem Program;
5) Program Pembiayaan Energi Baru Terbarukan 5) New Renewable Energy Financing Program;
(EBT);
6) Melanjutkan Skema Kredit Sistim Penyediaan 6) Continuing the Water Supply and Sanitation
Air Minum dan Sanitasi (KSPAMS); Credit Scheme (KSPAMS);
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
7) Program Matching Fund (Kedaireka) melalui 7) Matching Fund Program (Kedaireka) through
Rekayasa Teknis dan Rekayasa Ekonomi di Technical Engineering and Economic
bidang Pemberdayaan UMKM; Engineering in the field of MSME Empowerment;
8) Program Pembiayaan Sarana dan Prasarana 8) Health Facilities and Infrastructure Financing
Kesehatan. Program.
b. Pengembangan Kapasitas Internal dalam b. Internal Capacity Building in Sustainable Finance
Keuangan Berkelanjutan
Bank NTT melakukan pengembangan kapasitas Bank NTT conducted internal capacity building in
internal dalam keuangan berkelanjutan pada sustainable finance in 2024 with 5 work programs,
tahun 2024 dengan 5 program kerja, yaitu : namely:
1. Melanjutkan Pelatihan Internal Keuangan 1. Continued Internal Training on Sustainable
Berkelanjutan; Finance;
2. Program Penghematan pemakaian Listrik; 2. Electricity saving program
3. Program Penghematan Pemakaian Kertas 3. Paper Saving Program (In-Office Application);
(Aplikasi In-Office);
4. Program Pengurangan Sampah Botol Plastik 4. Plastic Bottle (Glass) Waste Reduction
(Gelas) Plastik; Program;
5. Program Perencaan CSR yang mendukung 5. CSR Planning Program that supports
Keuangan Berkelanjutan. Sustainable Finance.
Pengembangan Kapasitas SDM dan Nasabah
HR and Customer Capacity Building
2.053 Pegawai/ Employee
450
Nasabah/ customer
Dilatih tentang Keuangan Berkelanjutan Mengikuti pelatihan untuk integrasi prinsip
trained on Sustainable Finance keberlanjutan dalam kehidupan sehari-hari
participated in training for the integration of
sustainability principles in daily life.
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BANK NTT Laporan Keberlanjutan 2024
Inisiatif Hemat Lingkungan 2024
2024 Eco-Saving Initiative
Konsumsi listrik turun Penggunaan kertas turun Penghentian total
Electricity consumption down Paper usage down penggunaan botol/gelas
10% 10%
plastik sekali pakai
Complete phase-out of
single-use plastic bottles/
glasses
c. Penyesuaian Organisasi, Manajemen Risiko, c. Organizational Adjustment, Risk Management,
Digitalisasi /Elektonifikasi Digitalization/Electronification
Bank NTT melakukan pengembangan kapasitas Bank NTT conducted internal capacity building
internal dalam keuangan berkelanjutan pada in sustainable finance in 2024 with several work
tahun 2024 dengan beberapa program kerja, programs, namely:
yaitu:
1. Penyesuaian Organisasi / Tata Kelola; 1. Organization/Governance Adjustment;
2. Penyesuaian kebijakan & SOP dengan 2. Policy & SOP alignment with Sustainable
Keuangan Berkelanjutan; Finance;
3. Kegiatan CSR yang sesuai Keuangan 3. CSR activities that are in line with Sustainable
Berkelanjutan; Finance
4. Digitalisasi Proses Bisnis & Operasional. 4. Digitalization of Business & Operational
Processes.
Smart
Branch
COB
Be Pung
Mobile
Produk digital Bank NTT
Digitalization Commitment
· Smart Branch
SP2D · Be Pung Mobile
Online &
IBB
Sistem
SIPD
· Customer On Boarding (COB)
· Internet Banking Bisnis (IBB)
· SP2D Online dan Sistem SIPD
Page 15
13
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Alokasi Sumber Daya Resource Allocation
Dalam rangka mencapai target yang telah ditetapkan In order to achieve the targets set in the Sustainable
dalam Rencana Aksi Keuangan Berkelanjutan maka Finance Action Plan, Bank NTT provides various
Bank NTT menyediakan berbagai sumber daya yang resources needed, namely budget funds, human
dibutuhkan, yaitu anggaran dana, sumber daya resources (HR) and cooperation partners.
manusia (SDM) dan mitra kerjasama.
Pembiayaan portofolio kredit Keuangan The financing of the Sustainable Finance loan
Berkelanjutan yang ditargetkan pada tahun portfolio, which is targeted to reach Rp. 6,485 Trillion
2024 mencapai Rp. 6.485 Triliun akan didanai dari by 2024, will be funded from third party fund raising
penghimpunan dana pihak ketiga yang telah as planned in the Bank’s 2024 Business Plan. Internal
direncanakan dalam Rencana Bisnis Bank Tahun capacity building and organizational adjustments
2024. Pengembangan kapasitas internal dan will be funded from the bank’s operational cost
penyesuaian organisasi berasal dari anggaran biaya budget which has been calculated in the Bank’s
operasional bank yang telah diperhitungkan dalam Business Plan (RBB) Year 2024.
Rencana Bisnis Bank (RBB) Tahun 2024.
Dalam menerapkan Keuangan Berkelanjutan In implementing Sustainable Finance, Bank NTT
tersebut, Bank NTT akan menggunakan SDM internal, will use internal human resources, but in certain
tetapi dalam bidang keahlian tertentu akan diminta areas of expertise, the services of advisors and/or
jasa advisor dan/ atau pihak konsultan. Bank NTT consultants will be requested. Bank NTT, which is a
yang merupakan pemegang kas daerah dan dimiliki regional treasury holder and owned by the regional
pemerintah daerah dan masyarakat NTT, maka akan government and the people of NTT, will cooperate
dilakukan kerjasama dengan pihak pemerintah with the provincial government, local governments/
daerah provinsi, pemda/kota, perguruan tinggi cities, universities and related non-governmental
dan Lembaga Swadaya Masyarakat (LSM) yang organizations (NGOs).
terkait.
Sumber Dana Tenaga Kerja Mitra Kerjasama
Source of funds Labor Collaboration Partners
Bank NTT mengalokasikan sejumlah - Bisnis Unit - Regulator
dana dari total biaya untuk - Corporat Secretary Kebijakan dan - Auditor Independent
pengembangan kepastian dan prosedur - Konsultan eksternal
pelatihan SDM serta CSR - Treasury - Pemerintah daerah
Bank NTT allocates a number of - Business Unit - Perguruan Tinggi
funds from the total costs for the - Corporate Secretary Policies and - NGO/LSM
development of HR certainty and procedures - Regulator
training as well as CSR. - Treasury - Independent Auditor
- External consultant
- Local government
- Universities
- NGO/LSM
Page 16
14
BANK NTT Laporan Keberlanjutan 2024
Alokasi Sumber Daya
Resource Allocation
Total Portofolio Kredit Pengembangan SDM internal Kolaborasi strategis dengan
Berkelanjutan sebesar dan konsultan eksternal Pemerintah Daerah,
Total Sustainable Credit Internal HR development and Perguruan Tinggi, dan LSM
Portfolio external consultants Strategic collaboration
Rp 6,485
with local governments,
universities, and NGOs
Triliun/ Trillion
Penanggungjawab Responsible
Struktur Penanggung Jawab
Responsible Structure
Monitoring kebijakan Review implementasi
pembiayaan RAKB
Monitoring financing Review of RAKB
policy implementation
Divisi Riset dan Pengembangan
Research and Development Division
Evaluasi program
Pelaporan realisasi aksi keberlanjutan
Action realization Sustainability program
reporting evaluation
Page 17
15
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Bank NTT menunjuk unit Divisi Riset dan Bank NTT appoints a unit of the Research and
Pengembangan yang bertanggungjawab secara Development Division that is directly responsible
langsung kepada Direktur Utama yang merupakan to the President Director, who is the main person in
penanggung jawab utama pelaksanaan Laporan charge of implementing the Bank NTT Sustainability
Berkelanjutan (Sustainability Report) Bank NTT. Report. However, because the implementation of
Meskipun demikian, karena penerapan Keuangan Sustainable Finance is a cross-directorate activity,
Berkelanjutan merupakan kegiatan lintas direktorat each work unit leader is responsible for activities
maka masing-masing pemimpin unit kerja menjadi coordinated by the Research and Development
penanggung jawab kegiatan dengan dikoordinir Division. The main focus of the person in charge is as
oleh Divisi Riset dan Pengembangan. Fokus utama follows:
penanggungjawab sebagai berikut :
1. Memantau rencana aksi pada kebijakan 1. Monitor action plans on financing and investment
pembiayaan dan investasi policies
2. Melakukan review terhadap implementasi RAKB 2. Review the implementation of RAKB (Sustainable
(Rencana Aksi Keuangan Berkelanjutan) Finance Action Plan
3. Melakukan pemantauan dan pelaporan atas 3. Monitoring and reporting on the realization of the
realisasi rencana aksi yang dilakukan. action plan.
4. Melakukan evaluasi terhadap rencana aksi yang 4. Evaluate the action plan.
dilakukan.
Page 18
16
BANK NTT Laporan Keberlanjutan 2024
KINERJA BERKELANJUTAN
Sustainable Performance
Kinerja Ekonomi Satuan Pertumbuhan
2022 2023 2024
Economic Performance Unit Growth (%)
Aset
Rp. 17.032.120 17.325.444 16.434.461 5.14%
Assets
Dana Pihak Ketiga
Third Party Funds
Giro
Rp 1.857.132 2.474.435 2.426.074 (1.95)%
Current Account
Tabungan
Rp 4.361.133 4.080.622 4.150.106 1.70%
Savings
Deposito
Rp 6.581.011 6.340.690 5.411.075 (14.66)%
Deposit
Jumlah Debitur:
Number of Debtors:
Kredit Multiguna Debitur 74.401
80.030 103.291 29.07
Multipurpose credit Debtors
Page 19
17
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Kinerja Ekonomi Satuan Pertumbuhan
2022 2023 2024
Economic Performance Unit Growth (%)
Kredit pemilikan rumah Debitur
3.050 2.687 2.679 (0.30)%
House ownership credit Debtors
Kredit UMKM (Mikro, Kecil, Menengah) Debitur
19.300 14.941 11.069 (25.92)
MSME Credit Debtors
Jumlah Deviden yang didistribusikan
Rp. 200.315 96.382 154.732 61%
Amount of dividends distrited
Pembayaran Pajak
Rp. 76.422 38.392 54.272 41%
Payment of taxes
PENINGKATAN PENDAPATAN PORSI DANA PIHAK KETIGA (DPK)
ASLI DAERAH DAN KREDIT PADA REGIONAL NTT
Increase In Local Revenue Portion Of Third Party Funds (Dpk)
And Credit In Regional Ntt
Kontribusi Bank NTT
terhadap penghimpunan
Deviden tahun buku DPK perbankan se-NTT
2024 yang dibagikan • Bank NTT’s
Dividends for the contribution to the
financial year 2024 collection of deposits of
distributed amounted banks in NTT amounted
Rp. 154.732 miliar/ miliar
Rp. 11,987 miliar/ miliar
atau sebesar 34,21%
or 34.21%.
Page 20
18
BANK NTT Laporan Keberlanjutan 2024
Kontribusi Bank Ntt Terhadap
Pembangunan Ekonomi Nusa
Tenggara Timur
Bank Ntt's Contribution To The Economic
Development Of East Nusa Tenggara
KONTRIBUSI KEPADA PEMBANGUNAN INFRASTRUKTUR DI INDONESIA & NTT
• Penyaluran Kredit Sindikasi kepada PT Waskita Bumi Wira untuk Pembangunan Jalan
Tol Krian-Legundi-Bunder-Manyar (KLBM) dengan plafond sebesar Rp 186 Milyar.
• Penyaluran Kredit Sindikasi kepada Cimanggis Cibitung Tollways untuk Pembangunan
Jalan Tol Cimanggis-Cibitung dengan plafond sebesar Rp. 200 Milyar.
• Penyaluran Kredit Sindikasi kepada PT Kresna Kusuma Dyandra Marga untuk
Pembangunan Jalan Tol Bekasi-Cawang-Kampung Melayu dengan plafond sebesar
Rp 50 Milyar.
• Penyaluran Pinjaman Daerah kepada Pemerintah Kabupaten NTT untuk Pembangunan
Infrastruktur Jalan Raya sebesar Rp 310 Milyar.
• Penyaluran Kredit Energi Baru Terbarukan kepada PT Henindo Power untuk Pembangkit
Listrik Tenaga Mikro Hidro (PLTMH).
CONTRIBUTION TO INFRASTRUCTURE DEVELOPMENT IN INDONESIA & NTT
• Syndicated loan disbursement to PT Waskita Bumi Wira for the construction of Krian-Legundi-
Bunder-Manyar Toll Road (KLBM) with a ceiling of Rp 186 billion.
• Syndicated loan disbursement to Cimanggis Cibitung Tollways for the construction of Cimanggis-
Cibitung Toll Road with a ceiling Rp. 200 billion.
• Syndicated loan disbursement to PT Kresna Kusuma Dyandra Marga for the construction of
Bekasi-Cawang-Kampung Melayu Toll Road with a ceiling of Rp 50 billion.
• Disbursement of Regional Loan to NTT Regency Government for Road Infrastructure Development
amounting to IDR 310 billion.
• Disbursement of Renewable Energy Loan to PT Henindo Power for Micro Hydro Power Plant
(PLTMH).
PENYEDIAAN PRODUK YANG MENDUKUNG KESEJAHTERAAN EKONOMI DAERAH
• Kredit Mikro Merdeka
• Kredit Mikro Popela
• Kredit Mikro Kecil
• Kredit Multiguna
• Kredit Multiusaha
• Kredit Multiusaha RC
• Kredit Sistem Penyediaan Air Minum dan Sanitasi (KSPAMS)
• Kredit Konstruksi
• Kredit Komersil & Menengah
• Pinjaman Daerah
PROVISION OF PRODUCTS THAT SUPPORT REGIONAL ECONOMIC PROSPERITY
• Merdeka Microcredit
• Popela Microcredit
• Small Micro Loans
• Multipurpose Credit
• Multi Business Loan
• RC Multi Business Loan
• Credit for Water Supply and Sanitation System (KSPAMS)
• Construction Loans
• Commercial & Medium Loans
• Regional Loan
Page 21
19
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Kinerja Lingkungan Hidup
Environmental Performance
Kinerja Lingkungan Hidup satuan
2022 2023 2024
Environmental Performance unit
Listrik
Kwh/gigajoule 578,7 1.114 1.541
Electricity
Air
Liter 4.800 9.600 39.233
Water
BBM
Liter 92.287 85.953 59.606
BBM
Kertas
Rim 1.060 900 1.318
Paper
Penggunaan BBM tahun 2024
Fuel use in 2024
59.606 Liter/ Liter
Penggunaan BBM pada tahun 2024 sebesar 59.606
liter, menurun sebesar 30.65 % dari tahun 2023
sebesar 85.953 liter.
1Fuel use in 2024 amounted to 59,606 liters, a
decrease of 30.65% from 2023 of 85,953 liters.
Page 22
20
BANK NTT Laporan Keberlanjutan 2024
ASPEK EKONOMI BANK NTT TAHUN 2022 – 2024
Economic Aspects of Bank NTT in 2022 – 2024
Pertumbuhan
Kinerja Ekonomi Satuan
2022 2023 2024 (%)
Economic Performance Unit
Growth (%)
Pendapatan Bunga
Rp. 1.518.696 1.575.856 1.639.358 4.03%
Interest income
Biaya Bunga
Rp. 448.778 535.812 556.619 3.88%
Interest income
Pendapatan Bunga Bersih
Rp. 1.069.918 1.040.043 1.082.740 4.11%
Net interest income
Laba Operasional
Rp. 319.064 148.989 225.717 51.50%
Operational profit
Laba Rugi sebelum pajak
Rp. 305.353 148.544 231.109 55.58%
Income before tax
Laba Rugi setelah pajak
Rp. 228.931 110.151 176.837 60.54%
Income after tax
KINERJA SOSIAL
Social Performance
Kinerja Sosial Satuan
2022 2023 2024
Social Performance Unit
Jumlah total karyawan Orang
1.985 1.975 2.053
Total number of empoyees Person
Jumlah karyawan Perempuan Orang
1.016 1.011 1.074
Number of female employees Person
Jumlah karyawan Laki-laki Orang
969 964 979
Number of Male employees Person
Jumlah tenaga kerja lokal Orang
1.985 1.975 2.053
The number of local workers Person
Pendidikan & Pelatihan Orang
1.868 4886 2.759
Education & Training Person
UMKM
Rp. 2.504.321 2.835.293 1.843.837
MSME
Penyaluran CSR dibidang sosial
CSR distribution in the social Rp. 800 2.159 1.442
sector
Penyaluran CSR dibidang
pendidikan Rp. 300 0 66
Distribution of CSR in education
Penyaluran CSR dibidang
olahraga
Rp. - 470 -
CSR distribution in the sports
sector
Penyaluran CSR dibidang
kebudayaan
Rp. 400 0 75
CSR distribution in the field of
culture
Penyaluran CSR dibidang
Lingkungan hidup
Rp 2.048 834 1.289
Distribution of CSR in the
environmental sector
Page 23
21
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
PRODUK RAMAH LINGKUNGAN
Enviromentally Friendly Product
CMS One-stop Administration
Bank NTT SP2D
Cash Management Service Office (SAMSAT)
Elektronic Banking Online
System Online Service
B Pung Mobile Aplikasi layanan Booking Online Payment System pembayaran
perbankan untuk Samsat belanja daerah dan
NTT Pay
nasabah Bank NTT, pajak milik Pemerintah
Purchase Pemerintah Daerah dan Daerah
Korporasi Payment system for
Payment
Banking service local government
Digitalisasi Layanan Smart Branch applications for Bank expenditures and taxes
NTT, Local Government
COB ( Customer On Boarding)
and Corporate customers
LOS ( Loan Origination System)
B Pung Mobile Banking service Booking Online Payment Regional Government –
applications for Samsat owned tax and regional
NTT Pay
customers of Bank NTT, expenditure financing
Purchase Local Government and systems.
Corporation. Regional Government -
Payment
Banking service owned tax and regional
Smart Branch applications for expenditure financing
customers of Bank NTT, systems.
Digital Loan
Local Government and
COB (Customer On Boarding) Corporation.
LOS (Loan Origination System)
IBB (Internet Bangking Bisnis)
KKI (Kartu Kredit Indonesia)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
05 Januari/ Peresmian Gedung Kantor Bank NTT Cabang Bajawa dan Mall Pelayanan Publik Kabupaten Ngada
January Inauguration of Bank NTT Bajawa Branch Office Building and Ngada Regency Public Service Mall
12 Januari/ Direksi Bank NTT menghadiri Natal Bersama BMPD & FK-LJK Provinsi Nusa Tenggara Timur
January Board of Directors of Bank NTT attended Christmas with BMPD & FK-LJK of East Nusa Tenggara
Province
12 Januari/ Gathering Be Ju Bisa Agen Laku Pandai Bank NTT ‘Tingkatkan Transaksi , Raih Keuntungan’
January Gathering Be Ju Bisa Agent Laku Pandai Bank NTT 'Increase Transactions, Reap Profits'
15-19 Januari/ Pertemuan Tahunan PT Bank NTT Kolaborasi Ekosistem untuk Bertumbuh dan Berkelanjutan
January PT Bank NTT Annual Meeting Ecosystem Collaboration for Growth and Sustainability
19 Januari/ Pelantikan dan Serah Terima Jabatan Pejabat Eksekutif PT Bank Pembangunan Daerah Nusa
January Tenggara Timur
Inauguration and Handover of Executive Officers of PT Bank Pembangunan Daerah Nusa Tenggara
Timur
19 Januari/ Penyerahan Laporan Hasil Pemeriksaan Badan Pemeriksa Keuangan Semester II Tahun 2023
January Submission of the Audit Report of the Supreme Audit Agency Semester II Year 2023
20 Januari/ Panen Perdana Hasil Budidaya Lele Kelompok Binaan Bank NTT di Jemaat Genesaret Danau Ina
January Lasiana
First Harvest of Catfish Cultivation Results of Bank NTT Assisted Group at Genesaret Lake Ina Lasiana
Congregation
22 Januari/ Kunjungan State Bank Of India dan Tim Fortress Data Service pada Smart Branch System Bank NTT
January State Bank Of India and Fortress Data Service Team Visit to Bank NTT Smart Branch System
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
23 Januari/ Direktur Utama Bank NTT Mengunjungi Peserta Kursus Program Vokasi Kelas ke-4 dan Kelas ke-5 di
January SMK Swastisari Kupang
President Director of Bank NTT Visits 4th and 5th Year Vocational Program Course Participants at SMK
Swastisari Kupang
25 Januari/ Kunjungan Direktur Dana & Treasury Bank NTT ke BPJS Ketenagakerjaan
January Visit of Director of Funds & Treasury of Bank NTT to BPJS Ketenagakerjaan
26 Januari/ Kunjungan Direktur Dana & Treasury Bank NTT ke PT. TASPEN (PERSERO)
January Visit of Director of Funds & Treasury of Bank NTT to PT. TASPEN (PERSERO)
30 Januari/ Direktur Utama Bank NTT Menghadiri Pertemuan Koordinasi Tahunan PPATK Tahun 2024 “Peran
January Pencegahan dan Pemberantasan TPPU-TPPT-PPSMP dalam Menyongsong Indonesia Emas 2045”
President Director of Bank NTT Attends PPATK Annual Coordination Meeting 2024 "The Role of
Prevention and Eradication of ML-TPPT-PPSMP in Welcoming the Golden Indonesia 2045"
05 Februari/ Direksi Bank NTT menghadiri Kegiatan Penanaman Perdana Tanaman Cabe, Kerjasama antara
February Pemuda Katholik Komisariat Cabang TTS, Bank NTT Kantor Cabang Soe dan SMK Negeri 1 Soe
The Board of Directors of Bank NTT attended the Chili Planting Program, a collaboration between the
Catholic Youth Commissariat of TTS Branch, Bank NTT Soe Branch Office and SMK Negeri 1 Soe.
06 Februari/ Audiensi Telkomsel Region Bali Nusra bersama Direksi Bank NTT
February Audience of Telkomsel Region Bali Nusra with Bank NTT Directors
07 Februari/ Dewan Komisaris dan Direksi Bank NTT Menghadiri Upacara Pengukuhan Kepala Perwakilan Bank
February Indonesia Provinsi NTT
Bank NTT's Board of Commissioners and Directors Attend the Inauguration Ceremony of the Head of
Representative of Bank Indonesia of NTT Province
12 Februari/ Komisaris Utama Bank NTT mengikuti pertandingan Tenis Lapangan Farewel Game DANREM 161 Wira
February Sakti
The President Commissioner of Bank NTT participated in the DANREM 161 Wira Sakti Farewell Game
Field Tennis match.
16 Februari/ Direktur Utama Bank NTT menghadiri Pengambilan Janji Jabatan dan Pelantikan Penjabat Bupati
February Rote Ndao, Timor Tengah Selatan dan Manggarai Timur oleh Penjabat Gubernur NTT
Bank NTT President Director attended the Taking of Office Promise and Inauguration of Acting
Regents of Rote Ndao, South Central Timor and East Manggarai by the Acting Governor of NTT.
17 Februari/ Kunjungan Kerja Direktur Utama Bank NTT ke Kantor Cabang Ende
February Working Visit of Bank NTT President Director to Ende Branch Office
18 Februari/ Kunjungan Kerja serta Pelantikan Pemimpin Cabang Pembantu Waemoro dan Kepala Kantor
February Fungsional Kajong oleh Direktur Utama Bank NTT
Working Visit and Inauguration of Waemoro Sub-Branch Manager and Kajong Functional Office
Head by Bank NTT President Director
19 Februari/ Penandatangan MOU dan PKS Penyelenggaraan KKPD antara Pemerintah Kabupaten Manggarai
February dan Bank NTT
Signing of MOU and MCC on KKPD Implementation between Manggarai Regency Government and
Bank NTT
19 Februari/ Peresmian Bank NTT Kantor Fungsional Kajong oleh Direktur Utama Bank NTT dan Bupati Kabupaten
February Manggarai
Inauguration of Bank NTT Kajong Functional Office by President Director of Bank NTT and Regent of
Manggarai Regency
20 Februari/ Direktur Teknologi Informasi dan Operasional menghadiri acara lepas sambut Komandan Korem 161/
February WIRASAKTI
Director of Information Technology and Operations attended the welcome ceremony of the
Commander of Korem 161/WIRASAKTI
20 Februari/ Kunjungan Kerja Direktur Dana dan Treasury Bank NTT ke Pemerintah Kabupaten Malaka
February Working Visit of Director of Funds and Treasury of Bank NTT to Malacca Regency Government
20 Februari/ Kunjungan Kerja Direktur Dana & Treasury ke Kantor Bank NTT Cabang Betun
February Working Visit of Director of Funds & Treasury to Bank NTT Betun Branch Office
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
23 Februari/ Rangkaian Kegiatan Sosialisasi Belanja Pengadaan (BELA), Pengadaan Barang dan Jasa pada
February platform Digital Market Place Mbizmarket, Sistem Keuangan Desa (SISKEUDES) Online yang terkoneksi
dan terintegrasi dengan CMS Bank NTT
Series of Socialization Activities for Procurement Shopping (BELA), Procurement of Goods and
Services on the Mbizmarket Digital Market Place platform, Online Village Financial System
(SISKEUDES) which is connected and integrated with Bank NTT CMS.
23 Februari/ Direktur Kepatuhan Bank NTT Menghadiri Sosialisasi Pelaksanaan BYE LAWS-PERBANAS
February Bank NTT Compliance Director Attends Socialization of BYE LAWS-PERBANAS Implementation
24 Februari/ Direktur Utama Bank NTT sebagai Narasumber pada Diskusi Tentang Potensi Eksport – Import pada
February Pertemuan para Bupati NTT dengan Pelaku Usaha Indonesia di Timor Leste
President Director of Bank NTT as a Speaker at the Discussion on the Potential of Export - Import at
the Meeting of the Regents of NTT with Indonesian Businessmen in Timor Leste
28 Februari/ Kunjungan Kerja Direktur Dana & Treasury ke kantor Bank NTT Cabang Waikabubak
February Working Visit of Director of Fund & Treasury to Bank NTT Waikabubak Branch office
28 Februari/ Kunjungan Kepala Bank Indonesia Perwakilan NTT ke Kantor Bank NTT Cabang Soe
February Visit of the Head of Bank Indonesia Representative of NTT to Bank NTT Soe Branch Office
29 Februari/ Direktur TI & Operasional menghadiri undangan Fortress Data Services dan PT. Sarana Pactindo
February “Indonesia Wealth Management Leadership Forum 2024”
Director of IT & Operations attended the invitation of Fortress Data Services and PT Sarana Pactindo
"Indonesia Wealth Management Leadership Forum 2024"
29 Februari/ Direktur Utama Bank NTT, Menghadiri acara Purna Tugas Kepala Dinas Pertanian dan Ketahanan
February Pangan Provinsi NTT
President Director of Bank NTT, Attends the After-Duty Ceremony of the Head of the Agriculture and
Food Security Service of NTT Province
01 Maret/ March Kunjungan Kerja Direktur Dana & Treasury ke Bank NTT Kantor Cabang Waingapu
Working Visit of Director of Fund & Treasury to Bank NTT Waingapu Branch Office
01 Maret/ March Penandatanganan Perjanjian Kerjasama antara Dinas Perhubungan Kab. TTS dengan Bank NTT,
tentang Pembayaran Retribusi Parkir Secara Online
Signing of Cooperation Agreement between Transportation Agency of TTS Regency and Bank NTT,
regarding Online Parking Retribution Payment
01 Maret/ March Direktur TI & Operasional Bank NTT menandatangani Perjanjian Kerjasama antara Bank NTT dan
Bank Jawa Barat - Banten tentang Perjanjian Pemanfaatan Layanan Program Pensiun, Dana
Pensiun Lembaga Keuangan (DPLK)
Director of IT & Operations of Bank NTT signed a Cooperation Agreement between Bank NTT and
Bank Jawa Barat - Banten regarding Service Utilization Agreement for Pension Program, Financial
Institution Pension Fund (DPLK).
02 Maret/ March Diklat Motivasi “Berani Berubah untuk Meningkatkan Pelayanan dan Profesionalisme Kerja”
Motivational Training "Dare to Change to Improve Service and Work Professionalism"
04 Maret/ March Direktur Dana & Treasury membuka kegiatan Diklat “end to end Treasury Transaction Process”
Director of Funds & Treasury opened the "End to End Treasury Transaction Process" training program.
04 Maret/ March Direktur Kepatuhan Menghadiri Acara “Indonesia Banking Road to Net Zero Emission”
Compliance Director Attends "Indonesia Banking Road to Net Zero Emission" Event
04 Maret/ March Komisaris Utama dan Direktur Utama Bank NTT, Menghadiri acara Focus Discussion Group
Kemendagri-OJK tentang “Pemenuhan Modal Inti Minimum (MIM) Bank Pembangunan Daerah
President Commissioner and President Director of Bank NTT, Attended the Ministry of Home Affairs-
OJK Focus Discussion Group on "Fulfillment of Minimum Core Capital (MIM) of Regional Development
Banks.
05 Maret/ March Rangkaian Kegiatan Sosialisasi Strategi dan Implementasi Program dan Implementasi Program
Transformasi Digital Ekosistem Kesehatan di Provinsi NTT
Series of Socialization of Strategy and Program Implementation and Implementation of the Health
Ecosystem Digital Transformation Program in NTT Province
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
06 Maret/ March Direktur Utama Bank NTT bersama Direktur TI & Operasional Bank NTT menghadiri acara ASBANDA
- PT. Multipolar Technology Tbk, pada BPD Forum 2024 “Becoming Data - Driven Organization “
Analytics Strategy and Digital Landscape Acceleration”
President Director of Bank NTT together with Director of IT & Operations of Bank NTT attended
ASBANDA - PT Multipolar Technology Tbk, at BPD Forum 2024 "Becoming Data - Driven Organization"
Analytics Strategy and Digital Landscape Acceleration".
06 Maret/ March In House Training Calon Pegawai Kontrak Teller, Marketing dan Administrasi Bank NTT
In House Training for Contract Employee Candidates for Teller, Marketing and Administration of Bank
NTT
06 Maret/ March Direktur Dana & Treasury mengikuti Kick off Meeting bersama PT. Bali Internasional Teknologi
Director of Funds & Treasury participated in the Kick off Meeting with PT. Bali International Teknologi
09 Maret/ March Diklat Motivasi “Berani Berubah Untuk Meningkatkan Pelayanan dan Profesionalisme Kerja” Kantor
Cabang Waingapu, Anakalang, Waikabubak dan Waitabula
Motivational Training "Dare to Change to Improve Service and Work Professionalism" Waingapu,
Anakalang, Waikabubak and Waitabula Branch Offices
13 Maret/ March Direktur Kepatuhan dan Direktur TI & Operasional Membuka Pelatihan Laporan SLIK Bank NTT
Compliance Director and IT & Operations Director Opened Bank NTT SLIK Report Training
15 Maret/ March Kunjungan Kerja Direktur Utama Bank NTT ke Kantor Bank NTT Cabang Maumere
Working Visit of Bank NTT President Director to Bank NTT Maumere Branch Office
16 Maret/ March Diklat Motivasi “Berani Berubah Untuk Meningkatkan Pelayanan dan Profesionalisme Kerja”
Motivational Training "Dare to Change to Improve Service and Work Professionalism"
16 Maret/ March Kunjungan Kerja Direktur Utama Bank NTT ke Kantor Bank NTT Cabang Larantuka
Working Visit of Bank NTT President Director to Bank NTT Larantuka Branch Office
18 Maret/ March Direktur TI & Operasional dan Direktur Kepatuhan Mengikuti Kegiatan Kick Off Serambi “Selarak
Rupiah Ramadhan dan Berkah Idul Fitri “Bank Indonesia”
IT & Operations Director and Compliance Director Participate in Kick Off Activity of "Selarak Rupiah
Ramadhan and Berkah Idul Fitri" Bank Indonesia Porch
19 Maret/ March Sosialisasi Produk Bank NTT, di KOREM 16/ WIRA SAKTI
Socialization of Bank NTT Products, at KOREM 16 / WIRA SAKTI
20-22 Maret/ Pembukaan diklat Maintenancing ATM-CRM Bank NTT
March Opening of ATM-CRM Maintenancing training at Bank NTT
20 Maret/ March Acara Puncak penyerahan penghargaan TOP BUMD Awards 2024 dengan Tema “ Penguatan Tata
Kelola dalam membangun Kinerja Bisnis dan Layanan BUMD” untuk Kategori TOP CEO BUMD 2024 &
TOP PEMBINA BUMD 2024
The Summit of the awarding of the TOP BUMD Awards 2024 with the Theme "Strengthening
Governance in building BUMD Business Performance and Services" for the Category of TOP CEO
BUMD 2024 & TOP PEMBINA BUMD 2024
21 Maret/ March Direktur Kepatuhan Menghadiri Rapat Anggota Tahunan Koperasi Karyawan Primadona Bank NTT
Periode XIV Tahun Buku 2023
Compliance Director Attends Annual Members Meeting of Primadona Bank NTT Employee
Cooperative Period XIV Fiscal Year 2023
21-22 Maret/ Pembukaan Diklat Office Channeling Taspen Bank NTT Oleh Direktur Dana & Treasury Bank NTT
March Opening of Taspen Bank NTT Office Channeling Training by Bank NTT Director of Funds & Treasury
26 Maret/ March Penandatanganan PKS antara PT. Krisolis Jaya Mandala - Siloam Hospital dengan Bank NTT tentang
Jasa Pelayanan Kesehatan
Signing of PKS between PT. Krisolis Jaya Mandala - Siloam Hospital and Bank NTT regarding Health
Services
26 Maret/ March Penandatanganan Perjanjian Kerjasama antara STIKES Maranatha Kupang dengan Bank NTT Kantor
Cabang Soe tentang pemanfaatan Layanan Perbankan
Signing of Cooperation Agreement between STIKES Maranatha Kupang and Bank NTT Soe Branch
Office regarding the utilization of Banking Services.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
26 Maret/ March Acara Berbuka Puasa Bank NTT bersama Media Mitra
Bank NTT Iftar Event with Media Partners
27 Maret/ March Penandatanganan Perjanjian Kerjasama Antara PT BANK PEMBANGUNAN DAERAH NUSA TENGGARA
TIMUR dan PT FUSINDO SOKA terkait kerjasama strategis untuk penyediaan platform transaksi
pembelanjaan barang di marketplace SiPLah (Sistem Informasi Pengadaan Sekolah) melalui
Platform BPDAJA
The signing of the Cooperation Agreement between PT BANK PEMBANGUNAN DAERAH NUSA
TENGGARA TIMUR and PT FUSINDO SOKA regarding strategic cooperation for the provision of a
platform for purchasing goods in the SiPLah marketplace (School Procurement Information System)
through the BPDAJA Platform.
27 Maret/ March Arahan Direktur Utama Bank NTT Kepada Calon Pegawai Teller, Marketing dan Administrasi Bank NTT
Direction from the President Director of Bank NTT to Prospective Teller, Marketing and Administration
Employees of Bank NTT
02 April/ April Penandatanganan Perjanjian Kerjasama antara Dinas Pendidikan dan Kebudayaan Kab. TTS
dengan Bank NTT Kantor Cabang Soe tentang pembukaan rekening siswa SD dan SMP se Kab. TTS
serta Layanan CMS dan Pembayaran Uang Sekolah
Signing of Cooperation Agreement between the Education and Culture Office of TTS Regency and
Bank NTT Soe Branch Office regarding the opening of elementary and junior high school student
accounts in TTS Regency as well as CMS Services and School Tuition Payments.
02-04 April/ April Direktur Teknologi Informasi & Operasional, Direktur Kpatuhan dan Direktur Dana & Treasury Bank
NTT membuka Diklat “Sosialisasi Pedoman Risk Control (RC) triwulan 1 Tahun 2024
Director of Information Technology & Operations, Director of Compliance and Director of Funds &
Treasury of Bank NTT opened the Training "Socialization of Risk Control (RC) Guidelines for the 1st
quarter of 2024.
03 April/ April Direktur TI & Operasional Bank NTT menghadiri Penutupan Serambi (Semarak Rupiah Ramadhan
Berkah Idul Fitri) dan Road to Fesyar (Festival Syariah Tahun 2024)
Director of IT & Operations of Bank NTT attended the Closing of Serambi (Semarak Rupiah
Ramadhan Berkah Idul Fitri) and Road to Fesyar (Festival Syariah Tahun 2024).
03 April/ April Penandatanganan PKS Pemanfaatan Layanan Jasa Perbankan Bank NTT Kantor Cabang Waingapu
dengan SMKN 5 Waingapu
Signing of PKS on Utilization of Banking Services of Bank NTT Waingapu Branch Office with SMKN 5
Waingapu
04 April/ April Direktur Dana & Treasury menghadiri pembukaan sosialisasi penerapan aplikasi ketentuan lelang
susuai PMK No.122 tahun 2022 oleh Kantor Pelayan Kekayaan Negara dan Lelang Kupang serta
Pelaksanaan Peningkatan Agunan dan Aplikasi Sistem Informasi Pertanahan Berbasis Elektronik
Director of Funds & Treasury attended the opening of the socialization of the application of auction
provisions according to PMK No.122 of 2022 by the Kupang State Wealth and Auction Service Office
and the Implementation of Collateral Improvement and Electronic Based Land Information System
Applications.
07 April/ April Direktur TI dan Operasional menghadiri Pengambilan Janji Jabatan dan Pelantikan Penjabat Bupati
Kupang dan Penjabat Bupati oleh Penjabat Gubernur Nusa Tenggara Timur
Director of IT and Operations attended the Promise Taking and Inauguration of the Acting Regent of
Kupang and Acting Regent by the Acting Governor of East Nusa Tenggara.
16 April/ April Dewan Komisaris dan Direksi Bank NTT menghadiri Rapat Dengar Pendapat Komisi III DPRD Provinsi
NTT
The Board of Commissioners and Board of Directors of Bank NTT attended the Hearing Meeting of
Commission III of the NTT Provincial House of Representatives.
17 April/ April Penyerahan Bantuan CSR Bank NTT kepada Pemerintah Daerah Kabupaten Alor
Submission of Bank NTT CSR Assistance to the Regional Government of Alor Regency
18 April/ April Penandatanganan PKS antara KPU Kabupaten Belu dengan Bank NTT Cabang Atambua tentang
Penyediaan dan Penggunaan Jasa Layanan Perbankan dalam Pemilihan Bupati dan Wakil Bupati
Belu Tahun 2024
The signing of the PKS between the KPU of Belu Regency and Bank NTT Atambua Branch regarding
the Provision and Use of Banking Services in the Election of Regent and Deputy Regent of Belu in
2024.
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
18 April/ April Kunjungan Direktur Utama Bank NTT ke Rumah Sakit Umum Pusat dr. Ben Mboi Kupang
Visit of President Director of Bank NTT to Central General Hospital Dr. Ben Mboi Kupang
19 April/ April Sosialisasi dan Implementasi transaksi non tunai bagi pemerintah desa dalam wilayah Kab. TTS
melalui Interkoneksi CMS Bank NTT dengan Siskeudes-Link Kementrian Dalam Negeri
Socialization and Implementation of non-cash transactions for village governments in the TTS
Regency area through the Interconnection of Bank NTT's CMS with the Ministry of Home Affairs'
Siskeudes-Link.
20 April/ April Penyerahan Bantuan CSR Bank NTT bagi Masyarakat terdampak bencana alam banjir diwilayah
Kabupaten Malaka
Handover of Bank NTT CSR Assistance for Communities affected by floods in the Malacca Regency
area
20 April/ April Penandatanganan Perjanjian Kerjasama antara SMAN Harekakae (Malaka) dengan Bank NTT
tentang Pemanfaatan Layanan Perbankan
Signing of Cooperation Agreement between Harekakae High School (Malacca) and Bank NTT on
Utilization of Banking Services
22 April/ April Direktur Kredit Bank NTT menghadiri Pembukaan Koepan Festival “Local Culture is Tourism Future”
Bank NTT Credit Director attends the Opening of Koepan Festival "Local Culture is Tourism Future"
23 April/ April Direktur Utama Bank NTT mengikuti kegiatan Welcome Dinner BPD-SI dalam Rangka Panen Rejeki
Bank BPD di Parapat, Danau Toba
President Director of Bank NTT participated in the BPD-SI Welcome Dinner in the Context of
Harvesting the Fortune of BPD Banks in Parapat, Lake Toba.
24 April/ April Direktur Dana & Treasury menghadiri undangan Pembahasan QRIS Tuntas bersama PT. Artajasa
Pembayaran Elektronis
Director of Funds & Treasury attended the invitation of QRIS Completion Discussion with PT. Artajasa
Pembayaran Elektronis
24 April/ April Penandatanganan Perjanjian Kerjasama Rumah Sakit St. Carolus Borromeus Kupang dengan Bank
NTT tentang Jasa Pelayanan Kesehatan
Signing of Cooperation Agreement between St. Carolus Borromeus Hospital Kupang and Bank NTT
on Health Services
24 April/ April Direktur Dana & Treasury menghadiri seminar “How Technology can Transform youth FICC Trading”
oleh Bloomberg
Director of Funds & Treasury attends "How Technology can Transform youth FICC Trading" seminar by
Bloomberg
24 April/ April Direktur Utama Bank NTT menghadiri “Penarikan Undian Nasional Tabungan Simpeda BPD Seluruh
Indonesia
President Director of Bank NTT attends the "National Drawing of Simpeda Savings of BPD All over
Indonesia
24 April/ April Customer Gathering Bank NTT Cabang Atambua “Bertumbuh bersama Dalam Pembiayaan”
Customer Gathering Bank NTT Atambua Branch "Growing together in Financing"
25 April/ April Direktur Kredit Bank NTT menghadiri Ujian Terbuka Promosi Doktor Bapak Fadli Djafar Program Studi
Ilmu Administrasi Fak. Ilmu Sosial dan Politik Universita Nusa Cendana
Director of Credit Bank NTT attended the Open Doctoral Promotion Examination of Mr. Fadli Djafar,
Department of Administrative Sciences, Fak. Social and Political Sciences, Nusa Cendana University
25 April/ April Kunjungan BPD DIY pada Kantor Pusat Bank NTT dalam Rangka Studi Banding Bank Devisa
Visit of BPD DIY to the Head Office of Bank NTT in the Context of Foreign Exchange Bank
Comparative Study
25 April/ April Direktur Dana & Treasury menghadiri diskusi lanjutan sosialisasi kebijakan Pengadaan Toko Daring
dan Rencana kerjasama berkelanjutan dalam rangka Non Tunai Pemerintah Daerah dengan PT.
Brilliant Ecommerce Berjaya (MBIZMARKET)
Director of Funds & Treasury attended the follow-up discussion on the socialization of the Online
Store Procurement policy and the Plan for sustainable cooperation in the framework of Non-Cash
Local Government with PT. Brilliant Ecommerce Berjaya (MBIZMARKET)
Page 29
27
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
25 April/ April Direktur Dana & Treasury menghadiri pembahasan Perluasan Penerimaan Pembayaran Pajak Daerah
melalui channel E-conmerce dan E-Wallet dan Pengembangan Potensi Bisnis Layaban dengan PT.
Mutiara Bintang Abadi
Director of Funds & Treasury attended the discussion on Expansion of Local Tax Payment Revenue
through E-conmerce and E-Wallet channels and Development of Layaban Business Potential with PT.
Mutiara Bintang Abadi
25 April/ April Assesment dalam rangka penyaluran KPR Sejahtera (FLPP) Bank NTT
Assessment in order to distribute KPR Sejahtera (FLPP) Bank NTT
26 April/ April Direktur Dana & Treasury menghadiri penandatanganan PKS Pemasaran Voucher isi ulang produk
Telkomsel antara Koperasi Telekomunikasi Seluler (KISEL Group) dengan Bank NTT
Director of Funds & Treasury attended the signing of the Telkomsel product refill voucher marketing
agreement between the Cellular Telecommunications Cooperative (KISEL Group) and Bank NTT.
26 April/ April Direktur Utama Bank NTT hadir pada perayaan HUT REI Ke – 52 “Propertinomic untuk Indonesia Maju”
Bank NTT President Director attended the 52nd REI Anniversary celebration "Propertinomic for
Advanced Indonesia"
27 April/ April Direktur Utama Bank NTT menyerahkan bantuan kepada Yayasan Santu Paulus Ruteng dalam
Rangka Dies Natalis ke-65 Unika Santu Paulus Ruteng
President Director of Bank NTT handed over the donation to Santu Paulus Ruteng Foundation for the
65th Anniversary of Unika Santu Paulus Ruteng.
30 April/ April Direksi Bank NTT mengikuti Ibadah Paskah bersama Bank Indonesia, OJK dan Perbankan wilayah
NTT di Kantor Perwakilan Bank Indonesia Provinsi NTT
The Board of Directors of Bank NTT participated in Easter Worship together with Bank Indonesia, OJK
and Banking in the NTT region at the Representative Office of Bank Indonesia of NTT Province.
02 Mei/ May Direktur Kredit Bank NTT menghadiri Upacara Hari Pendidikan Nasional yang ke-65 di Alun-alun Ir. H.
Doko Dinas Pendidikan dan Kebudayaan Provinsi Nusa Tenggara Timur
Bank NTT's Credit Director attended the 65th National Education Day Ceremony at the Ir. H. Doko
Square of the East Nusa Tenggara Provincial Office of Education and Culture.
06 Mei/ May Penandatanganan Perjanjian Kerjasama antara RSUD dr. Hendrikus Fernandez Larantuka dengan
Bank NTT tentang Pelayanan Jasa Perbankan
Signing of Cooperation Agreement between RSUD dr. Hendrikus Fernandez Larantuka and Bank NTT
on Banking Services
07 Mei/ May Penyerahan 50 best CSR Awards 2024 dari the Iconomics kepada Bank NTT
Submission of 50 best CSR Awards 2024 from the Iconomics to Bank NTT
08 Mei/ May Rapat Umum Pemegang Sahan Tahunan Tahun 2023 dan Rapat Umum Pemegang Saham Luar
Biasa Tahun 2024
Annual General Meeting of Shareholders in 2023 and Extraordinary General Meeting of Shareholders
in 2024
13 Mei/ May Direksi Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi Nusa
Tenggara Timur
Directors of Bank NTT attend the Plenary Meeting of the Regional House of Representatives of East
Nusa Tenggara Province
13 Mei/ May Dewan Komisaris dan Direksi Bank NTT menghadiri rapat Penjelasan Pemerintah Provinsi NTT dengan
Bank NTT dan BUMD aset lainnya milik Pemerintah Provinsi NTT
The Board of Commissioners and Board of Directors of Bank NTT attended the Explanation Meeting
of the NTT Provincial Government with Bank NTT and other BUMD assets owned by the NTT Provincial
Government.
13 Mei/ May Pembukaan Pelatihan Pendidikan Dasar Pwnilaian 1 (PDP1) oleh Komisaris dan Direksi Bank NT
Opening of Basic Education Training for Assessment 1 (PDP1) by Commissioners and Directors of NT Bank
13 Mei/ May Arahan Dewan Komisaris dan Direksi kepada seluruh Karyawan/ti PT. Bank Pembangunan Daerah
Nusa Tenggara Timur
Directives from the Board of Commissioners and Directors to all employees of PT Bank Pembangunan
Daerah Nusa Tenggara Timur.
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
14 Mei/ May Direktur Dana & Treasury Bank NTT mengikuti Customer Gathering “Bertumbuh Bersama Dalam
Pembiayaan”
Director of Funds & Treasury of Bank NTT participates in Customer Gathering "Growing Together in
Financing"
15 Mei/ May Direktur Kepatuhan Bank NTT menghadiri Rapat Anggota Forum Komunikasi Direktur Kepatuhan
Perbankan (FKDKP)
Bank NTT Compliance Director attended the Banking Compliance Director Communication Forum
(FKDKP) Member Meeting
16 Mei/ May PLT Direktur Utama Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah
Provinsi Nusa Tenggara Timur dengan Agenda : Penyampaian LHP BPK atas Laporan Keuangan
Pemerintah Provinsi NTT Tahun Anggaran 2023 dan Penyampaian Nota Keuangan beserta Rapenda
Pertanggung jawaban Pelaksanaan APBD Provinsi NTT Tahun 2023.
PLT President Director of Bank NTT attended the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province with the Agenda: Submission of the LHP BPK on
the Financial Statements of the NTT Provincial Government for the 2023 Fiscal Year and Submission
of the Financial Note along with the Rapenda for Accountability for the Implementation of the NTT
Provincial APBD for the 2023 Fiscal Year.
16 Mei/ May OJK NTT, Bank NTT dan Tim TPAKD melakukan edukasi keuangan bagi Masyarakat Petani dan
Peternak Wilayah Kabupaten Nagekeo
OJK NTT, Bank NTT and TPAKD Team conduct financial education for Farmers and Ranchers
Community of Nagekeo Regency Area
16 Mei/ May Penandatanganan PKS antara SMPK Don Bosco Atambua dengan Bank NTT Kantor Cabang
Atambua tentang Pemanfaatan Layanan Jasa Perbankan
Signing of PKS between SMPK Don Bosco Atambua and Bank NTT Atambua Branch Office regarding
Utilization of Banking Services.
17 Mei/ May Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
NTT
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of NTT Province
17 Mei/ May Kunjungan Kerja Penjabat Gubernur Provinsi NTT ke Bank NTT
Working Visit of Acting Governor of NTT Province to Bank NTT
17 Mei/ May Panen Padi Perdana Kelompok Tani Nekmese Desa Taneotob – Kec Nunbena - TTS
First Rice Harvest of Nekmese Farmer Group Taneotob Village - Nunbena Subdistrict - TTS
20 Mei/ May Penandatangan Perjanjian Kerjasama antara Bank NTT dengan Radio Suara Kasih
Signing of Cooperation Agreement between Bank NTT and Suara Kasih Radio
21 Mei/ May Pemimpin Cabang Utama Kupang menerima penghargaan Kadin NTT Awards kepada Bank NTT
sebagai Bank Daerah yang berkomitmen dalam Pembangunan dan Pengembangan UMKM Daerah
di seluruh Nusa Tenggara Timur
Kupang Main Branch Manager receives Kadin NTT Awards to Bank NTT as a Regional Bank
committed to the Development and Development of Regional MSMEs throughout East Nusa
Tenggara.
28 Mei/ May Pengambilan Sumpah atau janji jabatan dan Pelantikan penjabat Bupati Flores Timur dan Penjabat
Bupati Lembata oleh Penjabat Gubernur Nusa Tenggara Timur
Taking of Oath or Promise of Office and Inauguration of Acting Regent of East Flores and Acting
Regent of Lembata by the Acting Governor of East Nusa Tenggara
28 Mei/ May “Audiensi Perwakilan OJK Provinsi NTT “ Perwakilan Bank Indonesia Provinsi NTT, PLT Direktur Utama
Bank NTT, Project Manager Promise Impact International Labour Organization dan Head of Economic
Development Cooperation (SECO) Embassy of Swizerland bersama Setda Kabupaten Sumba Timur
terkait Program Desa Ekosistem Keuangan Inklusi”
"Audience of Representatives of OJK NTT Province " Representatives of Bank Indonesia NTT Province,
PLT President Director of Bank NTT, Project Manager Promise Impact International Labor Organization
and Head of Economic Development Cooperation (SECO) Embassy of Swizerland with East Sumba
Regency Regional Secretariat related to the Financial Inclusion Ecosystem Village Program"
Page 31
29
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
29 Mei/ May PLT Direktur Utama Bank NTT menghadiri kegiatan Kickoff program Desa Ekosistem Keuangan
Inklusif dan Penyerahan Kredit Mikro Merdeka Bank NTT kepada Petani Rumput Laut di Desa Kaliuda
Kecamatan Pahunga Lodu Sumba Timur
PLT President Director of Bank NTT attended the Kickoff of the Inclusive Financial Ecosystem Village
program and the Handover of Bank NTT Merdeka Microcredit to Seaweed Farmers in Kaliuda Village,
Pahunga Lodu District, East Sumba.
30 Mei/ May Kegiatan Edukasi Keuangan tahap inkubasi, program Desa Ekosistem Keuangan Inklusif kepada Para
Petani Rumput Laut, Desa Kaliuda Kecamatan Pahunga Lodu Sumba Timur
Incubation stage Financial Education activities, Inclusive Financial Ecosystem Village program to
Seaweed Farmers, Kaliuda Village, Pahunga Lodu District, East Sumba
31 Mei/ May Kunjungan Kerja PLT Direktur Utama Bank NTT dan mengikuti ibadah Akhir Bulan Mei 2024 bersama
Karyawan Karyawati Bank NTT Kantor Cabang Waingapu
Working Visit of PLT President Director of Bank NTT and participating in worship at the end of May
2024 with Employees of Bank NTT Waingapu Branch Office
01 Juni/ June Direktur Dana & Treasury Bank NTT menghadiri Kegiatan QRISTREET Festival Tahun 2024
Director of Funds & Treasury of Bank NTT attends QRISTREET Festival 2024 Activity
05 Juni/ June PLT Direktur Utama Menghadiri rapat paripurna Dewan Perwakilan Rakyat Daerah Provinsi Nusa
Tenggara Timur
PLT President Director Attended the plenary meeting of the Regional House of Representatives of
East Nusa Tenggara Province
05 Juni/ June Audiensi PLT Direktur Utama Bank NTT ke Kantor PT Jamkrida NTT
Audience of PLT President Director of Bank NTT to the Office of PT Jamkrida NTT
05 Juni/ June Kunjungan Kerja Direktur Dana & Treasury pada Kegiatan Custumer Gathering Bank NTT Kantor
Cabang Borong “Bertumbuh bersama dalam Pembiayaan”
Working Visit of Director of Funds & Treasury at Bank NTT Borong Branch Office Custumer Gathering
Activity "Growing together in Financing"
06 Juni/ June Direktur Kepatuhan Bank NTT menghadiri kegiatan “Rembuk Nasional PPATK 2024”
Bank NTT's Compliance Director attended the "PPATK National Meeting 2024" activity
07 Juni/ June Pelantikan dan Serah Terima Jabatan Pejabat Eksekutif PT. Bank Pembangunan Daerah Nusa
Tenggara Timur
Inauguration and Handover of Executive Officers of PT. Bank Pembangunan Daerah Nusa Tenggara
Timur
07 Juni/ June Kunjungan Kerja Penjabat Bupati Sumba Tengah ke Kantor Pusat Bank NTT
Working Visit of Acting Regent of Central Sumba to Bank NTT Head Office
08 Juni/ June Kegiatan Bank NTT Kantor Cabang Waikabubak yaitu Penyerahan Tabungan Pendidikan Kepada
Siswa dan Siswi Berprestasi SMPN 2 Waikabubak
Activities of Bank NTT Waikabubak Branch Office, namely the Handover of Education Savings to
Students and Achievers of SMPN 2 Waikabubak
08 Juni/ June Kegiatan Kantor Cabang Labuan Bajo “Penandatanganan PKS antara SMAN 2 Komodo dengan
Bank NTT Cabang Labuan Bajo tentang Digitalisasi Pembayaran Uang Sekolah”
Labuan Bajo Branch Office Activity "Signing of PKS between SMAN 2 Komodo and Bank NTT Labuan
Bajo Branch on Digitalization of School Tuition Payment"
09 Juni/ June Direktur Dana & Treasury dan Direktur Kepatuhan Bank NTT, menghadiri Penutupan SUNSET FESTIVAL
2024 di Pantai Lasiana
Director of Funds & Treasury and Director of Compliance of Bank NTT, attended the Closing of
SUNSET FESTIVAL 2024 at Lasiana Beach.
10 Juni/ June Kegiatan Bank NTT Kantor Cabang Waikabubak yaitu, Pembukaan Rekening PPS dan Sekretariat
Kecamatan Kota & Loli KPU Sumba Barat
Activities of Bank NTT Waikabubak Branch Office, namely, Opening of PPS Accounts and Secretariat
of City Subdistrict & Loli KPU West Sumba
10 Juni/ June Press Conference Direksi Bank NTT dengan Media Mitra tentang Rencana Kerjasama Kelompok
Usaha Bank antara Bank DKI dan Bank NTT
Press Conference of the Board of Directors of Bank NTT with Media Partners on the Plan for Bank
Group Cooperation between Bank DKI and Bank NTT
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
11 Juni/ June Kegiatan Kantor Cabang Waikabubak “ Penandatanganan PKS dan Penyerahan MOU kegiatan
Pembangunan dan Rehabilitasi Rumah Korban Bencana Dinas Perkimtan kabupaten Sumba Barat
Waikabubak Branch Office Activities " Signing of PKS and Submission of MOU for the Construction
and Rehabilitation of Houses for Disaster Victims of the West Sumba Regency Office of Perkimtan
12 Juni/ June Customer Gathering Bank NTT Kantor Cabang Labuan Bajo “Be The Champion”
Customer Gathering of Bank NTT Labuan Bajo Branch Office "Be The Champion"
12 Juni/ June Customer Gathering Bank NTT Kantor Cabang Waikabubak “Bertumbuh bersama dalam Pembiayaan”
Customer Gathering of Bank NTT Waikabubak Branch Office "Growing together in Financing"
12-14 Juni/ June Pemeriksaan (On Site Visit) Persetujuan Penyelenggaraan Produk Penerbitan Kartu Kredit Indonesia
Fisik Segmen Pemerintah Berlogo Nasional Berbasi GPN
Inspection (On Site Visit) Approval of the Implementation of Government Segment Physical
Indonesian Credit Card Issuance Products with National Logo based on GPN
13 Juni/ June PLT Direktur Utama Bank NTT dan Direktur Kepatuhan Bank NTT menghadiri undangan PT. Fortress
Data Services terkait Pembahasan Core Banking System dan Data Warehouse Bank NTT
PLT President Director of Bank NTT and Compliance Director of Bank NTT attended the invitation of
PT Fortress Data Services regarding the discussion of the Core Banking System and Data Warehouse
of Bank NTT.
14 Juni/ June Dalam rangka menyukseskan Hari Indonesia Menabung dan KEJAR Awards 2024, Bank NTT Kantor
Cabang Waibakul melakukan sosialisasi Program & Produk Dana- Kredit di SMP Kristen Waibakul, SD
Masehi Wairasa, dan SD Negeri Anakalang
In order to succeed Indonesia Saving Day and KEJAR Awards 2024, Bank NTT Waibakul Branch Office
conducted socialization of Fund-Credit Programs & Products at Waibakul Christian Junior High
School, Masehi Wairasa Elementary School, and Anakalang State Elementary School.
14 Juni/ June Exit Meeting Pemeriksaan (On Site Visit) Persetujuan Penyelenggaraan Produk Penerbitan Kartu Kredit
Indonesia Fisik Segmen Pemerintah Berlogo Nasional berbasis GPN
Exit Meeting Examination (On Site Visit) Approval of the Implementation of Government Segment
Physical Indonesian Credit Card Issuance Products with National Logo based on GPN
14 Juni/ June Penandatanganan Addendum Kedua Kesepahaman Bersama Pembentukan Kelompok Usaha Bank
(KUB) antara PT Bank DKI dengan PT BPD NTT
Signing of the Second Addendum to the Joint Understanding on the Establishment of a Bank
Business Group (KUB) between PT Bank DKI and PT BPD NTT
14 Juni/ June Komisaris Independen dan Direktur Dana & Treasury Bank NTT, menghadiri acara Syukuran Tahbisan
Uskup Agung Kupang MGR Hironimus Pakaenoni
Independent Commissioner and Director of Funds & Treasury of Bank NTT, attended the Ordination
Thanksgiving of Archbishop Kupang MGR Hironimus Pakaenoni.
16 Juni/ June Penyerahan Hewan Qurban dalam Rangka Hari Raya Idul Adha 1445 Hijriah dari Bank NTT kepada 6
Masjid di Kota dan Kabupaten Kupang
Handover of Qurban Animals in Celebration of Eid al-Adha 1445 Hijriah from Bank NTT to 6 Mosques
in Kupang City and Regency.
17 Juni/ June Kegiatan Bank NTT Kantor Cabang Oelamasi bersama Pemerintah Kabupaten Kupang dalam
Rangka Penyerahan hewan Qurban oleh PJ. Bupati Kupang
Activities of Bank NTT Oelamasi Branch Office with Kupang Regency Government in the context of
handing over Qurban animals by PJ. Kupang Regent
20 Juni/ June On Site Visit PT. Kinarya Lima Kapital/Crowe Indonesia Capital Market & Advisory Deal - bank DKI
dalam rangka permintaan dan konfirmasi data due diligence Kelompok Usaha Bank (KUB)
On Site Visit PT. Kinarya Lima Kapital/Crowe Indonesia Capital Market & Advisory Deal - bank DKI in
order to request and confirm due diligence data of Bank Business Group (KUB)
21 Juni/ June Kunjungan Kerja Direktur Dana & Treasury pada kegiatan Customer Gathering Bank NTT Kantor
Cabang Sabu “Bertumbuh Bersama dalam Pembiayaan”
Working Visit of the Director of Funds & Treasury at the Customer Gathering of Bank NTT Sabu
Branch Office "Growing Together in Financing"
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31
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
21 Juni/ June Kegiatan Bank NTT Kantor Cabang Alor “Penyerahan Bantuan beasiswa bagi Pelajar Berprestasi
yang kurang mampu dan Penyaluran Kredit Mikro - Merdeka oleh PJ Gubernur NTT”
Activities of Bank NTT Alor Branch Office "Submission of scholarship assistance for underprivileged
Achievement Students and Micro Credit Distribution - Merdeka by PJ Governor of NTT"
21 Juni/ June Customer Gathering Kantor Cabang Waibakul “Bertumbuh Bersama dalam Pemeliharaan”
Waibakul Branch Office Customer Gathering "Growing Together in Stewardship"
25 Juni/ June Plt. Direktur Utama Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
Nusa Tenggara Timur
Plt. President Director of Bank NTT attends the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
26 Juni/ June Kegiatan Kantor Cabang Ende
“Penandatanganan Perjanjian Kerjasama antara KPU Kab. Ende dan Bank NTT Kantor Cabang Ende
tentang Penampungan dan Penyaluran Dana Hibah Penyelenggaraan Pemilihan Bupati dan Wakil
Bupati Ende Tahun 2024
Ende Branch Office Activities
"Signing of Cooperation Agreement between KPU Ende Regency and Bank NTT Ende Branch Office
on Accumulation and Disbursement of Grant Funds for the Implementation of the 2024 Regent and
Vice Regent Elections in Ende.
26 Juni/ June Kegiatan Kantor Cabang Oelamasi yaitu Peletakan Batu Pertama Pembangunan Home-stay 2 unit
di Desa Otan, Kecamatan Semau oleh PJ. Bupati Kupang dan Penyerahan Bantuan MP-ASI Stunting
di Puskesmas AKLE Kec. Semau Selatan oleh PJ. Bupati Kupang
Oelamasi Branch Office activities, namely the laying of the first stone for the construction of 2 home-
stay units in Otan Village, Semau District by the PJ. Regent of Kupang and the delivery of MP-ASI
Stunting Assistance at the AKLE Health Center, South Semau District by the PJ. Regent of Kupang.
27 Juni/ June Kunjungan Kerja PLT. Direktur Utama Bank NTT ke PJ. Bupati Kupang
Working Visit of PLT. President Director of Bank NTT to PJ. Regent of Kupang
27 Juni/ June Pertemuan Direktur Dana & Treasury dan Tim Bank NTT bersama Bapak Uskup Agung Kupang MGR.
Hironimus Pakaenoni
Meeting of Director of Funds & Treasury and Bank NTT Team with Mr. Archbishop Kupang MGR.
Hironimus Pakaenoni
27 Juni/ June Kunjungan Kerja PLT Direktur Utama ke Bank NTT Kantor Fungsional Kredit Tarus, Kecamatan Kupang
Tengah
Working Visit of PLT President Director to Bank NTT Credit Functional Office Tarus, Central Kupang
District
27 Juni/ June Kunjungan Kerja PLT. Direktur Utama Ke Bank NTT Kantor Fungsional Kredit Oekabiti, Kecamatan
Amarasi
Working Visit of PLT. President Director to Bank NTT Credit Functional Office Oekabiti, Amarasi District
28 Juni/ June Kunjungan Kerja PLT Direktur Utama Bank NTT ke PJ Walikota Kupang
Working Visit of PLT President Director of Bank NTT to PJ Mayor of Kupang
01 Juli/ July Direktur Dana & Treasury Bank NTT menghadiri upacara dan syukuran Hari Bhayangkara ke-78 Tahun
2024
Director of Funds & Treasury of Bank NTT attended the ceremony and celebration of the 78th
Bhayangkara Day in 2024.
04 Juli/ July Direktur Kepatuhan Bank NTT menghadiri Acara Pembukaan Rapat Koordinasi ASPENDA (Asosiasi
Perusahaan Penjamin Daerah)
Bank NTT Compliance Director attended the Opening of the ASPENDA Coordination Meeting
(Association of Regional Guarantee Companies)
04 Juli/ July Direksi Bank NTT pada Kegiatan Sosialisasi Primary Dealer dan Diskusi Potensi Kerjasama lainnya
bersama Bank Mandiri Region East & Bank Mandiri Cabang Kupang
Board of Directors of Bank NTT at Primary Dealer Socialization and Discussion of Other Potential
Cooperation with Bank Mandiri East Region & Bank Mandiri Kupang Branch
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
04 Juli/ July Penandatanganan Perjanjian Kerjasama antara PT Taspen (Persero) dengan Mitra Bayar tentang
Pemeliharaan Data Pegawai Negeri Sipil dan Pensiunan yang Memperoleh Kredit / Pembiayaan
pada Mitra Bayar - Dihadiri oleh Direktur Dana & Treasury Bank NTT
Signing of Cooperation Agreement between PT Taspen (Persero) and Pay Partner regarding
Maintenance of Data on Civil Servants and Pensioners who Obtain Credit / Financing at Pay Partner
- Attended by Director of Funds & Treasury of Bank NTT
05 Juli/ July Kunjungan Kerja PJ Bupati Rote Ndao ke Kantor Pusat Bank NTT
Working Visit of PJ Regent of Rote Ndao to Bank NTT Head Office
05 Juli/ July Kegiatan Kantor Cabang Lewoleba “Sosialisasi CMS bagi 26 Desa Kabupaten Lembata”
Lewoleba Branch Office Activity "CMS Socialization for 26 Villages of Lembata Regency"
10-12 Juli/ July Rapat Evaluasi Kinerja Rencana Bisnis Bank Triwulan II Tahun Buku 2024
Bank Business Plan Performance Evaluation Meeting for the Second Quarter of Financial Year 2024
11 Juli/ July Direktur Dana & Treasury menghadiri Visit Jalan Tol dan Penandatanganan Amandemen Perjanjian
antara Pemberi Fasilitas Sindikasi PT.CCT
Director of Funds & Treasury attended Toll Road Visit and Agreement Amendment Signing between
Syndicated Facility Provider PT.CCT
11 Juli/ July Kegiatan Kantor Cabang Soe “ Launching E-Retribusi Parkir Terminal Kota Soe kerjasama dengan
Dinas Perhubungan Kabupaten TTS “
Soe Branch Office Activities "Launching E-Retribution for Soe City Terminal Parking in collaboration
with the TTS Regency Transportation Office"
13 Juli/ July Kegiatan Kantor Cabang Ende menyongsong HUT Bank NTT ke-62 Tahun “Bertumbuh dalam
Kebersamaan” “Kegiatan Jalan Sehat, Senam & Games
Ende Branch Office activities to welcome the 62nd Anniversary of Bank NTT "Growing in Togetherness"
"Healthy Walk, Gymnastics & Games Activities
15 Juli/ July Direktur Dana & Treasury menghadiri Sosialisasi POJK No. 20/2023 dan Rapat Direktur Utama dan
Direksi BPDSI
Director of Funds & Treasury attended the Socialization of POJK No. 20/2023 and the Meeting of
President Directors and Directors of BPDSI
17 Juli/ July Kunjungan Mitra-Mitra Ke Bank NTT dalam rangka Hari Ulang Tahun Bank NTT ke-62Th
Partners Visit to Bank NTT in the framework of the 62nd Anniversary of Bank NTT
18 Juli/ July Kunjungan ARTAJASA Pembayaran Elektronis ke Kantor Pusat Bank NTT
Electronic Payment ARTAJASA Visit to Bank NTT Head Office
18 Juli/ July Penandatanganan Kesepakatan Bersama antara Bank NTT dengan Dinas Pertanian dan Ketahanan
Pangan Kabupaten Kupang tentang Layanan Akses Keuangan kepada Kelompok Tani/Petani
Wilayah Dampingan Program READSI Kabupaten Kupang
The signing of a Joint Agreement between Bank NTT and the Kupang Regency Agriculture and Food
Security Office regarding Financial Access Services to Farmer Groups/Farmers in the Assisted Areas
of the READSI Program in Kupang Regency.
19 Juli/ July Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi NTT
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of NTT Province
19 Juli/ July Kunjungan Kerja Plt Direktur Utama Bank NTT bersama PT. Fortress Data Sevices
Working Visit of Acting President Director of Bank NTT with PT. Fortress Data Sevices
20 Juli/ July Direksi Bank NTT, Menghadiri Pekan Olahraga dan Seni Perbankan (PORSEBANK) NTT 2024
Directors of Bank NTT, Attending the NTT 2024 Banking Sports and Arts Week (PORSEBANK)
22 Juli/ July Kegiatan Kantor Cabang Atambua “Sosialisasi dan Bimbingan Teknis CMS SMP Se-Kabupaten Belu
Activities of Atambua Branch Office "Socialization and Technical Guidance of SMP CMS in Belu
Regency
23 Juli/ July Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi NTT
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of NTT Province
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33
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
24 Juli/ July Penyerahan Perjanjian Kerjasama antara Direktorat Jenderal Kependudukan dan Pencatatan Sipil
Kementrian Dalam Negeri Republik Indonesia dengan Bank NTT
Submission of a Cooperation Agreement between the Directorate General of Population and Civil
Registration of the Ministry of Home Affairs of the Republic of Indonesia and Bank NTT
25 Juli/ July Bank NTT Menerima Penghargaan Paritrana Award Peringkat 1 Tingkat Propinsi NTT
Penganugerahan Penghargaan Jaminan Sosial Ketenagakerjaan (PARITRANA Award) Tingkat Propinsi
NTT tahun 2023 yang di selenggarakan di Hotel Harper pada hari Kamis 25 Juli 2024 yang dihadiri
oleh Penjabat Gubernur Nusa Tenggara Timur, Ketua DPRD Propinsi NT, Deputi Jamsostek Wilayah
Bali Nusra dan Papua, Penjabat Bupati Sikka, Penjabat Bupati Alor, Sekda Nagekeo, Sekda Belu dan
para Nominator Pemenang Award Propinsi NTT, Bank NTT ditetapkan sebagai Pemenang Pertama
PARITRANA Award Kategori UMB Jasa Keuangan untuk Jaminan Sosial Ketenagakerjaan sesuai Surat
Keputusan Gubernur Nusa Tenggara Timur Nomor :234 /KEP/HK/ 2024 tanggal 19 Juni 2024.
Bank NTT Menerima Penghargaan Paritrana Award Peringkat 1 Tingkat Propinsi NTT
Bank NTT Receives Paritrana Award 1st Place at NTT Provincial Level
The awarding of the Employment Social Security Award (PARITRANA Award) at the NTT Provincial
Level in 2023 was held at the Harper Hotel on Thursday, July 25, 2024, which was attended by the
Acting Governor of East Nusa Tenggara, the Chairman of the NT Provincial DPRD, the Deputy of
Social Security for the Bali Nusra and Papua Regions, Acting Regent of Sikka, Acting Regent of Alor,
Secretary of Nagekeo, Secretary of Belu and Nominees of Award Winners of NTT Province, Bank NTT
was determined as the First Winner of the PARITRANA Award in the Financial Services UMB Category
for Employment Social Security in accordance with the Decree of the Governor of East Nusa
Tenggara Number :234 /KEP/HK/ 2024 dated June 19, 2024.
26 Juli/ July Plt Direktur Utama dan Direktur Kepatuhan Bank NTT menghadiri acara Pelepasan Kapal Ekspedisi
“Rupiah Berdaulat 2024” Bank Indonesia bekerjasama dengan TNI Angkatan Laut
Acting President Director and Compliance Director of Bank NTT attended the "Rupiah Sovereign
2024" Expedition Ship Release event of Bank Indonesia in collaboration with the Indonesian Navy.
26 Juli/ July Pemimpin Kantor Cabang Bajawa menghadiri Wolobobo Ngada Festival 2024
Bajawa Branch Manager attends Wolobobo Ngada Festival 2024
27 Juli/ July Kegiatan Kantor Cabang Waibakul “Penyerahan Tabungan Simpel kepada Lima Sekolah Dasar
Paralel Kelas Jauh Kab. Sumba Tengah
Waibakul Branch Office Activities "Handover of Simple Savings to Five Remote Class Parallel Primary
Schools of Central Sumba District.
29 Juli/ July Kegiatan Kantor Cabang Ende “Sosialisasi dan Bimtek Penerapan Transaksi non Tunai melalui Cash
Management System (CMS) Bank NTT
Ende Branch Office Activities "Socialization and Guidance on the Implementation of Non-Cash
Transactions through the Cash Management System (CMS) of Bank NTT
30 Juli/ July Plt Direktur Utama Bank NTT menghadiri Kegiatan Rakorwil Digitalisasi dan Pariwisata Bali Nusra oleh
Bank Indonesia di Bali
Acting President Director of Bank NTT attended the Regional Coordination Meeting on Digitalization
and Tourism Bali Nusra by Bank Indonesia in Bali.
31 Juli/ July Kunjungan Kerja PLT Direktur Utama Bank NTT ke Bank DKI
Working Visit of PLT President Director of Bank NTT to Bank DKI
01 Agustus/ Kunjungan Kerja PLT Direktur Utama Bank NTT ke Lembaga Pengembangan Perbankan Indonesia (LPPI)
August Working Visit of PLT President Director of Bank NTT to Indonesian Banking Development Institute
(LPPI)
02 Agustus/ PLT Direktur Utama Bank NTT dan Direktur Dana & Treasury Bank NTT menghadiri Evaluasi Kas Titipan
August BI Bank Pengelola di PT. BPD NTT
PLT President Director of Bank NTT and Director of Funds & Treasury of Bank NTT attended the
Evaluation of Cash Deposit BI Bank Manager at PT. BPD NTT
05 Agustus/ PLT Direktur Utama Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
August Nusa Tenggara Timur
PLT President Director of Bank NTT attends the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
05 Agustus/ Penarikan Undian Berhadiah “Gebyar Kredit Multiguna” yang telah dilaksanakan pada tanggal 5
August Agustus 2024 dan disaksikan oleh Komisaris Independen Bank NTT, Direktur Dana & Treasury Bank
NTT, Pemerintah Kota Kupang, Notaris, Dinas Sosial, Para Kepala Divisi Bank NTT, Pemimpin Cabang
dan undangan lainnya. Hadiah telah diserahkan langsung kepada para pemenang di setiap Kantor
Cabang Bank NTT. Selamat Kepada Para Pemenang.
The "Gebyar Kredit Multiguna" Lucky Draw was held on August 5, 2024 and witnessed by the
Independent Commissioner of Bank NTT, Director of Funds & Treasury of Bank NTT, Kupang City
Government, Notary, Social Service, Heads of Divisions of Bank NTT, Branch Managers and other
invitees. The prizes were handed over directly to the winners at each Bank NTT Branch Office.
Congratulations to the winners.
08 Agustus/ Surveilens dan Audit Plan ISO/IEC 27001:2013 Oleh PT SGS Indonesia di Bank NTT Tahun 2024
August Surveillance and Audit Plan ISO/IEC 27001:2013 by PT SGS Indonesia at Bank NTT in 2024
09 Agustus/ Kegiatan Kantor Cabang Atambua “Launching. QRIS Retribusi Pasae dan Onboarding Merchant
August QRIS pasar Senggol Atambua
Atambua Branch Office Activities "Launching. QRIS Retribution Pasae and QRIS Merchant
Onboarding Senggol Atambua market
09 Agustus/ Direktur Kepatuhan Bank NTT, Menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi NTT
August Compliance Director of Bank NTT, Attending the Plenary Meeting of the Regional House of
Representatives of NTT Province
04-09 Agustus/ PLT Direktur Utama dan Direktur Dana & Treasury menghadiri Undian Simpeda Nasional periode 1
August Tahun 2024
PLT President Director and Director of Funds & Treasury attended the National Simpeda Drawing
period 1 Year 2024
13 Agustus/ Audiensi Pengurus Koperasi Pegawai Republik Indonesia Praja Mukti Bersama Bank NTT
August Hearing of the Management of the Republic of Indonesia Praja Mukti Employee Cooperative with
Bank NTT
14 Agustus/ Kunjungan Kerja DPRD dan Pemerintah Kabupaten Ende bersama Direksi Bank NTT
August Working Visit of DPRD and Ende Regency Government with Bank NTT Board of Directors
15 Agustus/ Dewan Komisaris dan Direksi Bank NTT menghadiri Pidato Pembangunan Nusa Tenggara Timur
August “Nusantara Baru, Indonesia Maju”
Bank NTT's Board of Commissioners and Board of Directors attended the East Nusa Tenggara
Development Speech "New Archipelago, Advanced Indonesia"
16 Agustus/ Pembukaan Pameran Perumahan Terbesar “Bank NTT REI EXPO 2024”
August Opening of the Largest Housing Exhibition "Bank NTT REI EXPO 2024"
17 Agustus/ Direksi Bank NTT mengikuti Upacara HUT Republik Indonesia ke - 79 di Kantor Perwakilan Bank
August Indonesia Provinsi NTT
The Board of Directors of Bank NTT participated in the 79th Anniversary Ceremony of the Republic of
Indonesia at the Representative Office of Bank Indonesia of NTT Province.
17 Agustus/ Dewan Komisaris dan Direksi Bank NTT mengikuti Upacara HUT Republik Indonesia ke - 79 di Rumah
August Jabatan Gubernur Provinsi NTT
The Board of Commissioners and Board of Directors of Bank NTT attended the 79th Anniversary of
the Republic of Indonesia at the NTT Provincial Governor's Office.
17 Agustus/ Highlight Launching Pembayaran Pajak Mineral Bukan Logam dan Batuan (MBLM) secara Digital
August Kolaborasi Program Pemerintah Kabupaten Kupang dengan Bank NTT Kantor Cabang Oelamasi
Highlight Launching Digital Payment of Non-Metallic Minerals and Rocks (MBLM) Tax Collaboration
Program between Kupang Regency Government and Bank NTT Oelamasi Branch Office
18 Agustus/ Penutupan Pekan Olahraga dan Seni Perbankan (PORSEBANK) Tahun 2024 dan Pekan QRIS Nasional
August Tahun 2024
Closing of Banking Sports and Arts Week (PORSEBANK) 2024 and National QRIS Week 2024
20 Agustus/ PLT Direktur Utama Bank NTT menghadiri kegiatan Konsinyering Implementasi dan Tata Kelola
August Inteligence dalam Rangka Meningkatkan Resiliensi Digital di Sektor Perbankan oleh OJK Pusat
PLT President Director of Bank NTT attended the Inteligence Implementation and Governance
Consignment activity in order to Increase Digital Resilience in the Banking Sector by the Central OJK.
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35
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
20 Agustus/ Peresmian Gedung Kantor Fungsional Wewaria Kabupaten Ende
August Inauguration of Ende Regency Wewaria Functional Office Building
21 Agustus/ Penyerahan Bantuan Dana pendidikan Bank NTT kepada 50 Siswa melalui Keuskupan Agung Ende
August Handover of Bank NTT education fund to 50 students through the Archdiocese of Ende
21 Agustus/ Penandatanganan Nota Kesepahaman tentang Kerja sama Penyediaan Platform Marketplace
August Digital antara Mbizmarket dan Bank NTT
Signing of Memorandum of Understanding on Cooperation in Providing Digital Marketplace Platform
between Mbizmarket and Bank NTT
22 Agustus/ Site Visit dan Manajemen Meeting Rating Korporasi Bank NTT di Lembaga Pemeringkat Pefindo, di
August hadiri PLT Direktur Utama dan Direktur Kepatuhan Bank NTT
Site Visit and Management Meeting of Bank NTT Corporate Rating at Pefindo Rating Agency,
attended by PLT President Director and Compliance Director of Bank NTT.
23 Agustus/ Gerakan Nasional Cerdas Keuangan (GENCARKAN) pada Momentum Hari Indonesia Menabung
August Tahun 2024 di SD Inpres Tarus 1, Kupang Tengah
National Financial Smart Movement (GENCARKAN) on the Momentum of Indonesia Saving Day 2024
at SD Inpres Tarus 1, Kupang Tengah
23 Agustus/ Kunjungan Kerja Direktur Kepatuhan Bank NTT ke PT Fortress Data Services terkait Program
August Penerapan APU PPT dan PPPSM Bank NTT
Working Visit of Compliance Director of Bank NTT to PT Fortress Data Services related to APU PPT
and PPPSM Implementation Program of Bank NTT
23 Agustus/ Rapat Evaluasi Persiapan Launching Mbizmarket bersama Sekertaris Daerah Pemerintah Kabupaten
August Sumba Barat dan Kantor Cabang Waikabubak
Mbizmarket Launching Preparation Evaluation Meeting with the Regional Secretary of the West
Sumba Regency Government and Waikabubak Branch Office
25 Agustus/ Penutupan Pameran Perumahan terbesar “Bank NTT REI EXPO 2024”
August Closing of the biggest housing exhibition "Bank NTT REI EXPO 2024"
26 Agustus/ Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
August Nusa Tenggara Timur
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
27 Agustus/ Penandatanganan PKS antara PT Jamkrida NTT dan PT BPD NTT tentang Pemanfaatan Teknologi
August Informasi Sistem Digital Loan Penjaminan Kredit serta Penjaminan Multi Purpose Financing
Signing of PKS between PT Jamkrida NTT and PT BPD NTT regarding the Utilization of Information
Technology Digital Loan Guarantee System and Multi Purpose Financing Guarantee.
27 Agustus/ Audiensi Manajemen Rumah Sakit ST. Carolus Borromeus Kupang Dengan Direksi Bank NTT
August Audience of Hospital Management ST. Carolus Borromeus Kupang with Bank NTT Board of Directors
28 Agustus/ PLT Direktur Utama Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi NTT
August PLT President Director of Bank NTT attends the Plenary Meeting of the Regional House of
Representatives of NTT Province
28 Agustus/ Dewan Komisaris dan Direksi Bank NTT menghadiri Pelantikan Dewan Komisaris dan Direksi PT
August Jamkrida NTT
Board of Commissioners and Board of Directors of Bank NTT attended the Inauguration of the Board
of Commissioners and Board of Directors of PT Jamkrida NTT
29 Agustus/ PLT Direktur Utama dan Direktur Dana & Treasury menghadiri Press Conference dan Launching
August Donasi bagi Pelari Kebanggan NTT ( alm Eduardus Nobunome, Katarina Nesimnasi dan Welmince
Sonbai)
PLT President Director and Director of Funds & Treasury attended the Press Conference and
Launching of Donation for the Pride of NTT Runners (late Eduardus Nobunome, Katarina Nesimnasi
and Welmince Sonbai).
29 Agustus/ Dewan Komisaris dan Direksi Bank NTT menghadiri Penandatanganan Komitmen Bersama
August Pelaksanaan Pilot Project Pemanfaatan Limbah Operasional Bank Indonesia
The Board of Commissioners and Board of Directors of Bank NTT attended the Signing of the
Joint Commitment for the Implementation of the Pilot Project for the Utilization of Bank Indonesia
Operational Waste
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
31 Agustus/ Kupang Exotic Run 2024 diikuti oleh Direksi Bank NTT dan Karyawan/ti Bank NTT
August Kupang Exotic Run 2024 was attended by Bank NTT Directors and Bank NTT Employees.
31 Agustus/ Kupang Jazz Festival 2024 dihadiri oleh Direksi Bank NTT
August Kupang Jazz Festival 2024 attended by the Board of Directors of Bank NTT
31 Agustus/ HUT Persatuan Wanita Bank NTT (PERWABANTT) ke-23
August 23rd Anniversary of Bank NTT Women's Association (PERWABANTT)
01 September/ PLT Direktur Utama menghadiri upacara peringatan HUT ke 102 Kota Soe dan melakukan
September Penandatanganan PKS antara Pemkab TTS dan Bank NTT tentang Implementasi CMS Bank NTT
yang terintegrasi Aplikasi Keuangan Daerah Kabupaten TTS
PLT President Director attended the commemoration ceremony of the 102nd Anniversary of Soe
City and signed a PKS between the TTS Regency Government and Bank NTT regarding the
Implementation of Bank NTT CMS integrated with the TTS Regency Regional Financial Application.
03 September/ PLT Direktur Utama Bank NTT menghadiri Rapat Paripurna Pengambilan Sumpah Jabatan/Janji
September Anggota Dewan Perwakilan Rakyat Daerah Provinsi Nusa Tenggara Timur masa Jabatan 2024-2029
PLT President Director of Bank NTT attended the Plenary Meeting of Taking the Oath of Office /
Promise of Members of the East Nusa Tenggara Provincial House of Representatives for the 2024-
2029 Term of Office.
03 September/ Kegiatan Kantor Cabang Ende “Sosialisasi Kredit Mikro Merdeka di Desa Tiwu Tewa”
September Ende Branch Office Activity "Socialization of Merdeka Microcredit in Tiwu Tewa Village"
06 September/ Direksi Bank NTT menghadiri acara Pelantikan Penjabat Gubernur Provinsi Nusa Tenggara Timur
September Bank NTT Board of Directors attended the Inauguration of the Acting Governor of East Nusa
Tenggara Province.
06 September/ Komisaris Independen Bank NTT menghadiri Kegiatan Penyerahan Kartu CO Branding dan Kartu
September Tanda Mahasiswa (KTM), Live Operational Fiture Baru Pembelian Pulsa Denom Rp. 5000 dan Rp
10.000, sekaligus soft launching Program Bank NTT Poin bersama Loyalty di Kampus Wina Waingapu
Independent Commissioner of Bank NTT attended the Submission of CO Branding Cards and
Student Identity Cards (KTM), Live Operational Fiture New Denom Credit Purchases Rp. 5000 and Rp.
10,000, as well as the soft launching of the Bank NTT Points Program with Loyalty at Wina Waingapu
Campus.
07 & 09 Kegiatan Sosialisasi Pengurangan Risiko Bencana Gempa Bumi dan Kebakaran oleh Badan
September/ Penanggulangan Bencana Nasional Bersama seluruh Karyawan dan Karyawati Bank NTT
September Socialization of Earthquake and Fire Disaster Risk Reduction by the National Disaster Management
Agency with all employees of Bank NTT.
08 September/ Komisaris Independen Bank NTT menghadiri Acara Pelantikan Penjabat Bupati Sumba Barat Daya
September oleh Penjabat Gubernur NTT
Independent Commissioner of Bank NTT attends the Inauguration of the Acting Regent of Southwest
Sumba by the Acting Governor of NTT
11 September/ Penjabat Gubernur NTT, Dr. Andriko Noto Susanto, S.P, M.P menerima audiensi Plt. Direktur Utama
September Bank NTT, Yohanis Landu Praing dan Jajaran Direksi didampingi Kepala Otoritas Jasa Keuangan
(OJK) Provinsi Nusa Tenggara Timur (NTT), Japarmen Manalu di Ruang Kerja Gubernur
Acting Governor of NTT, Dr. Andriko Noto Susanto, S.P, M.P received an audience of Plt. President
Director of Bank NTT, Yohanis Landu Praing and the Board of Directors accompanied by the Head of
the East Nusa Tenggara (NTT) Provincial Financial Services Authority (OJK), Japarmen Manalu in the
Governor's Office.
11 September/ Audiensi Dewan Komisaris dan Direksi Bank NTT, Kepala Kantor OJK Perwakilan NTT bersama Bapak
September Penjabat Gubernur Nusa Tenggara Timur
Audience of the Board of Commissioners and Directors of Bank NTT, Head of the NTT Representative
Office of OJK with the Acting Governor of East Nusa Tenggara
12 September/ One site visit Direksi Bank DKI ke Bank NTT dalam Rangka Rencana Kelompok Usaha Bank (KUB)
September One site visited Bank DKI's Board of Directors to Bank NTT for Bank Business Group Plan (KUB)
12 September/ Penyerahan Buku Tabungan dalam Rangka Persiapan Ibadah Qurban tahun 2025 kepada Penjabat
September Bupati Lembata
Handover of Savings Book in Preparation for Qurban in 2025 to the Acting Regent of Lembata
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
13 September/ Kunjungan Kerja Komisaris Independen dan PLT Direktur Utama Bank NTT ke Bank NTT Kantor
September Cabang Waitabula
Working Visit of Independent Commissioner and PLT President Director of Bank NTT to Bank NTT
Waitabula Branch Office
13 September/ Kunjungan Kerja Komisaris Independen dan PLT Direktur Utama Bank NTT ke Bank NTT Kantor
September Cabang Pembantu Elopada Sumba Barat Daya
Working Visit of Independent Commissioner and PLT President Director of Bank NTT to Bank NTT
Elopada Sub-Branch Office, Southwest Sumba
13 September/ Penandatanganan Perjanjian Kredit Sindikasi Bank NTT dan PT Rajawali Citra Televisi Indonesia
September (RCTI)
Signing of Syndicated Credit Agreement between Bank NTT and PT Rajawali Citra Televisi Indonesia
(RCTI)
14 September/ Kunjungan Kerja Komisaris Independen dan PLT Direktur Utama pada Kegiatan Penandatanganan
September Perjanjian Kerjasama Desa Digital Terintegrasi di Desa Tarona Kecamatan Tana Righu - Sumba Barat
Working Visit of Independent Commissioner and PLT President Director at the Signing of Integrated
Digital Village Cooperation Agreement in Tarona Village, Tana Righu District - West Sumba
18 September/ Penyerahan Reward kepada Agen Be Ju Bisa Laku Pandai Bank NTT dengan transaksi tertinggi
September Periode Januari - Juni 2024
Submission of Reward to Be Ju Bisa Laku Pandai Agent of Bank NTT with the highest transaction
Period January - June 2024
18 September/ Sosialisasi dan Edukasi Produk Bank NTT dalam Rangka Bulan Inklusi Keuangan Tahun 2024 “Akses
September Keuangan Inklusif Wujudkan Masyarakat Produktif”
Socialization and Education of Bank NTT Products in the Framework of Financial Inclusion Month 2024
"Inclusive Financial Access to Realize Productive Communities"
21 September/ Kegiatan Sosialisasi Pengurangan Risiko Bencana Gempa Bumi dan Kebakaran oleh Badan
September Penanggulangan Bencana Nasional bersama Seluruh Karyawan dan Karyawati Bank NTT
Socialization of Earthquake and Fire Disaster Risk Reduction Activities by the National Disaster
Management Agency with All Employees and Employees of Bank NTT
23 September/ Rapat Koordinasi Nasional Percepatan dan Perluasan Digitalisasi Daerah tahun 2024 “Digitalisasi
September Transaksi Pemerintah Daerah untuk Percepatan Pertumbuhan Ekonomi Daerah” dihadiri oleh PLT
Direktur Utama Bank NTT
The National Coordination Meeting for the Acceleration and Expansion of Regional Digitalization in
2024 "Digitalization of Regional Government Transactions to Accelerate Regional Economic Growth"
was attended by PLT President Director of Bank NTT.
23 September/ Penandatanganan Addendum Ketiga Kesepahaman Bersama antara PT Bank DKI dengan PT Bank
September NTT tentang Pembentukan Kelompok Usaha Bank (KUB)
Signing of the Third Addendum to the Joint Understanding between PT Bank DKI and PT Bank NTT
regarding the Establishment of a Bank Business Group (KUB)
24 September/ Kunjungan Kerja Penjabat Bupati Sumba Tengah ke Kantor Pusat Bank NTT
September Working Visit of Acting Regent of Central Sumba to Bank NTT Head Office
24 September/ Pengukuhan Perpanjangan Jabaran Penjabat Bupati Sikka serta Pengukuhan Penjabat Sementara
September Bupati Malaka, Manggarai Barat, Sumba Barat dan Sumba Timur oleh Penjabat Gubernur Nusa
Tenggara Timur atas Nama Presiden Republik Indonesia
Inauguration of the Extension of the Jabaran of the Acting Regent of Sikka as well as the
Inauguration of the Acting Regents of Malaka, West Manggarai, West Sumba and East Sumba by the
Acting Governor of East Nusa Tenggara on behalf of the President of the Republic of Indonesia
27 September/ Sosialisasi dan Edukasi Produk Bank NTT dalam Rangka Bulan Inklusi Keuangan Tahun 2024 “Akses
September Keuangan Inklusif Wujudkan Masyarakat Produktif”
Socialization and Education of Bank NTT Products in the Framework of Financial Inclusion Month 2024
"Inclusive Financial Access to Realize Productive Communities"
27 September/ Penyerahan Hadiah “Gebyar Kredit Multiguna” tahun 2024 - kepada Nasabah di setiap Kantor
September Cabang Bank NTT.
Prize Distribution of "Multipurpose Credit Gebyar" 2024 - to Customers at each Bank NTT Branch
Office.
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
27 September/ Direktur Dana & Treasury Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah
September Provinsi Nusa Tenggara Timur
Director of Funds & Treasury of Bank NTT attended the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
27 September/ Launching payment point Bank NTT di Universitas Kristen Wira Wacana Sumba dihadiri oleh PLT
September Direktur Utama Bank NTT
The launching of Bank NTT's payment point at Wira Wacana Sumba Christian University was
attended by PLT President Director of Bank NTT.
28 September/ Kegiatan Penutupan Bulan Inklusi Keuangan (BIK) Tahun 2024 dihadiri oleh Komisaris Independen dan
September Direktur Kepatuhan Bank NTT
The closing activity of the Financial Inclusion Month (BIK) Year 2024 was attended by the
Independent Commissioner and Compliance Director of Bank NTT.
30 September/ PLT Direktur Utama dan Direktur Kepatuhan Bank NTT menghadiri Sosialisasi PERPRES No.81/2024
September tentang Percepatan dan Penganekaragaman Pangan Berbasis Potensi Sumber Daya Lokal
PLT President Director and Compliance Director of Bank NTT attended the Socialization of PERPRES
No.81/2024 on the Acceleration and Diversification of Food Based on Local Resource Potential.
03 Oktober/ Kegiatan Simposium Reformasi Birokrasi Manajemen Aparatur Sipil Negara Pemerintah Kota Kupang
October Kupang City Government's Bureaucratic Reform Symposium on State Civil Apparatus Management
03 Oktober/ Pembahasan Draft Share Holder Agreement (SHA) dan Condition Share Subscription Agreement
October (CSSA) rencana KUB Bank DKI-Bank NTT
Discussion of Draft Share Holder Agreement (SHA) and Condition Share Subscription Agreement
(CSSA) of Bank DKI-Bank NTT KUB plan.
04 Oktober/ Kunjungan Penjabat Gubernur NTT Bapak DR. Andriko Noto Susanto, S.P.,M.P pada Bank
October Pembangunan Daerah Nusa Tenggara Timur
Visit of Acting Governor of NTT Mr. DR. Andriko Noto Susanto, S.P., M.P at Regional Development Bank
of East Nusa Tenggara
04 Oktober/ Penjabat Gubernur NTT Dr. Andriko Noto Susanto, S.P., M.P berkunjung ke Kantor Pusat Bank
October Pembangunan Daerah Nusa Tenggara Timur.
Dalam arahannya Penjabat Gubernur mendorong Pihak Bank NTT untuk terus melakukan
pengembangan dan peningkatan kinerja agar turut berkontribusi positif bagi daerah.
Acting Governor of NTT Dr. Andriko Noto Susanto, S.P., M.P visited the Head Office of the Regional
Development Bank of East Nusa Tenggara.
In his direction, the Acting Governor encouraged Bank NTT to continue to develop and improve
performance in order to contribute positively to the region.
08 Oktober/ Kegiatan Focus Group Discussion (FGD) Persamaan Persepsi Periziban Penilaian Kemampuan dan
October Kepatuhan (PKK) Kepengurusan dan Kepemilikan Bank Umum
Activities of Focus Group Discussion (FGD) on Similarity of Perception of Ability and Compliance
Assessment (PKK) of Management and Ownership of Commercial Banks
10 Oktober/ Piagam Penghargaan Sponsorship kepada Bank NTT dalam Event Kupang Exotic Run & Jazz Festival
October 2024
Sponsorship Award Charter to Bank NTT in Kupang Exotic Run & Jazz Festival 2024 Event
14 Oktober/ Dewan Komisaris dan PLT Direktur Utama Bank NTT menghadiri Peluncuran Roadmap penguatan
October Bank Pembangunan Daerah (BPD) Tahun 2024 - 2027 oleh Otoritas Jasa Keuangan
The Board of Commissioners and PLT President Director of Bank NTT attended the launch of the
Roadmap for strengthening Regional Development Banks (BPD) for 2024 - 2027 by the Financial
Services Authority.
15 Oktober/ Penandatanganan PKS antara DISPAREKRAFBUD Kabupaten Manggarai Barat dengan Bank NTT
October Kantor Cabang Labuan Bajo tentang Penyelenggaraan Layanan Penerimaan Pembayaran Retribusi
Daya Tarik Wisata secara Digital
Signing of PKS between DISPAREKRAFBUD of West Manggarai Regency and Bank NTT Labuan
Bajo Branch Office regarding the Implementation of Digital Tourism Attraction Retribution Payment
Reception Services
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39
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
23 Oktober/ Kegiatan Kantor Cabang Waikabubak “Penandatanganan PKS terintegrasi antara Bank NTT Kantor
October Cabang Waikabubak dan Desa Malata, Bondotera dan Manukuku
Waikabubak Branch Office Activities "Signing of integrated agreement between Bank NTT
Waikabubak Branch Office and Malata, Bondotera and Manukuku Villages.
23 Oktober/ Direktur Kepatuhan Bank NTT sebagai Pemateri Testimoni Terkait Pengelolaan Kas Titipan BI
October bersama Pejabat BI Pusat dan Daerah Serta Direksi Bank HIMBARA dan Direksi BPD
Compliance Director of Bank NTT as Testimony Speaker on BI Cash Management with Central and
Regional BI Officials as well as HIMBARA Bank Directors and BPD Directors.
23 Oktober/ Penandatanganan Berita Acara Kesepahaman dan Penguatan Tata Kelola Kas Titipan Bank
October Indonesia
Signing of the Minutes of Understanding and Strengthening Bank Indonesia's Cash Custody
Governance
24 Oktober/ Penjabat Gubernur NTT, Dr. Andriko Noto Susanto, S.P, M.P saat beraudiensi bersama Pj. Gubernur
October DKI Jakarta Dr. Drs. H. Teguh Setyabudi, M.Pd serta jajaran Pimpinan Bank DKI Jakarta di ruang rapat
Kantor Gubernur DKI Jakarta, Kamis (24/10/2024). Turut hadir mendampingi Pj. Gubernur NTT dalam
kesempatan tersebut, Kepala Biro Pemerintahan Setda Provinsi NTT, Doris Alexander Rihi. Pertemuan
ini terkait proses kerja sama Kelompok Usaha Bank (KUB) antara Bank NTT dan Bank DKI.
Acting Governor of NTT, Dr. Andriko Noto Susanto, S.P, M.P during an audience with Pj. Governor of
DKI Jakarta Dr. Drs. H. Teguh Setyabudi, M.Pd and the leadership of DKI Jakarta Bank in the meeting
room of the DKI Jakarta Governor's Office, Thursday (24/10/2024). Also present accompanying the
Pj. Governor of NTT on the occasion, Head of the Government Bureau of the Regional Secretariat
of NTT Province, Doris Alexander Rihi. This meeting was related to the Bank Business Group (KUB)
cooperation process between Bank NTT and Bank DKI.
30 Oktober/ Penjabat Gubernur NTT, Dr. Andriko Noto Susanto, S.P, M.P. memimpin Rapat konsolidasi Penguatan
October Modal PT. Bank Pembangunan Daerah NTT bersama Kepala Daerah se-Nusa Tenggara Timur
selaku pemegang saham seri A dan Ketua DPRD/Ketua Sementara DPRD Kabupaten/Kota se-Nusa
Tenggara Timur bertempat di Ruang Rapat Gubernur NTT
The Acting Governor of NTT, Dr. Andriko Noto Susanto, S.P, M.P. chaired the consolidation meeting of
the Capital Strengthening of PT NTT Regional Development Bank with Regional Heads throughout
East Nusa Tenggara as series A shareholders and DPRD Chairmen / Temporary Chairmen of Regency
/ City DPRDs throughout East Nusa Tenggara at the NTT Governor's Meeting Room.
02 November/ Kunjungan Kerja Bapak PJ Gubernur NTT di Kabupaten Manggarai Timur dan Penyerahan Bantuan
November Stunting dalam Rangka Gerakan Kemanusiaan Percepatan Penanganan Stunting Terpadu (GKPPST)
Working Visit of the PJ Governor of NTT in East Manggarai Regency and Handover of Stunting
Assistance in the Framework of the Humanitarian Movement for the Acceleration of Integrated
Stunting Handling (GKPPST)
02 November/ Tanam Simbolis Jagung Pembukaan Musim Tanam 1 Oktober - Maret (MT. Okmar) 2024-2025 Tingkat
November Kabupaten Manggarai Timur
Symbolic Planting of Maize for the Opening of the October 1 - March 1 (MT. Okmar) 2024-2025
Planting Season of East Manggarai Regency Level
02 November/ Pertemuan Bapak PLT Direktur Utama bersama Pejabat dan Pegawai Bank NTT Kantor Cabang
November Borong
Meeting of PLT President Director with Officials and Employees of Bank NTT Borong Branch Office
02 November/ Kunjungan Kerja Bapak Penjabat Gubernur Provinsi NTT ke Kabupaten Ngada
November Working Visit of the Acting Governor of NTT Province to Ngada Regency
02 November/ Penyerahan Bantuan kepada 100 anak Stunting di lokasi RSUD Late Kecamatan Golewa Barat -
November Kabupaten Ngada
Handover of assistance to 100 stunted children at the Late Hospital location, West Golewa District -
Ngada Regency
04 November/ Rapat Pembahasan Sinergitas dan Rencana Kelompok Usaha Bank (KUB) Bank NTT dan Bank Jatim
November Discussion Meeting on Synergy and Bank Business Group Plan (KUB) of Bank NTT and Bank Jatim
05 November/ Penandatanganan MOU & NDA (Non Disclosure Agreement) antara Bank NTT dan Bank Jatim
November Signing of MOU & NDA (Non Disclosure Agreement) between Bank NTT and Bank Jatim
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
05 November/ Direktur Kepatuhan Bank NTT menghadiri Pelantikan Penjabat Bupati Nagekeo, Pengukuhan
November Perpanjangan Masa Jabatan Penjabat Bupati Sumba Tengah dan Penjabat Bupati Alor oleh
Penjabat Gubernur NTT
Bank NTT Compliance Director attended the Inauguration of the Acting Regent of Nagekeo, the
Inauguration of the Extension of the Term of Office of the Acting Regent of Central Sumba and the
Acting Regent of Alor by the Acting Governor of NTT.
05 November/ Penyerahan Bantuan Korban Bencana Alam Erupsi Gunung Lewotobi Kabupaten Flores Timur
November Delivery of Aid for Victims of Mount Lewotobi Eruption in East Flores Regency
06 November/ Direktur Kepatuhan Bank NTT membuka Diklat Strategi Penagihan Hutang dan Manajemen Kredit
November Bermasalah
Bank NTT Compliance Director opens Training on Debt Collection Strategies and Troubled Credit
Management
07 November/ Kunjungan Kerja Bapak PLT Direktur Utama untuk implementasi CMS - SISKEUDES Link pada
November Pemerintah Kabupaten Sumba Timur
Working Visit of the PLT President Director for the implementation of CMS - SISKEUDES Link at the
East Sumba Regency Government
08 November/ Pertemuan Pengurus Universitas Kristen Wira Wacana Sumba bersama PLT Direktur Utama Bank NTT
November Sumba Wira Wacana Christian University Management Meeting with PLT President Director of Bank NTT
08 November/ Pertemuan Bapak PLT Direktur Utama bersama Pejabat dan Pegawai Kantor Cabang Waingapu
November Meeting of PLT President Director with Officers and Employees of Waingapu Branch Office
08 November/ Pertemuan Bapak Plt Direktur Utam bersama Para Pemimpin Cabang, Pemimpin Cabang Pembantu,
November Supervisi Dana dan Supervisi Kredit serta Para Kepala Kantor Fungsional Bank NTT sedaratan Sumba
Meeting of the Acting President Director with Branch Managers, Sub-Branch Managers, Fund
Supervision and Credit Supervision as well as Heads of Functional Offices of Bank NTT in Sumba.
11 November/ Penandatanganan Perjanjian Kerjasama Pemberian Jasa Money Broker antara Bank NTT dengan PT.
November Bimasena Artha Internasional
Signing of Cooperation Agreement for Money Broker Services between Bank NTT and PT. Bimasena
Artha Internasional
11 November/ Pertemuan PLT Direktur Utama dengan Verihubs Jakarta
November PLT President Director Meeting with Verihubs Jakarta
11 November/ Dewan Komisaris dan Direksi menghadiri Rapat Bersama Komisi III DPRD Provinsi NTT
November Board of Commissioners and Board of Directors attend Joint Meeting with Commission III of NTT
Provincial House of Representatives
12 November/ Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
November Nusa Tenggara Timur
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
13 November/ Konferensi Pers Pemerintah Provinsi Nusa Tenggara Timur yang dihadiri Oleh Bapak Penjabat
November Gubernur NTT, Komisaris Independen Bank NTT dan PLT Direktur Utama Bank NTT
Press Conference of East Nusa Tenggara Provincial Government Attended by Acting Governor of NTT,
Independent Commissioner of Bank NTT and PLT President Director of Bank NTT.
14 November/ Konferensi Pers Pengurus Bank NTT bersama Media Mitra Bank NTT di Lantai 5 Kantor Pusat Bank NTT
November Press Conference of Bank NTT Management with Bank NTT Media Partners on the 5th Floor of Bank
NTT Headquarters
14 November/ Zoom meeting Bapak PLT Direktur Utama Bank NTT dengan PT Verihubs Inteligensia Nusantara
November Zoom meeting Mr. PLT President Director of Bank NTT with PT Verihubs Inteligensia Nusantara
16 November/ Rapat Umum Pemegang Saham Luar Biasa Tahun 2024 PT. Bank Pembangunan Daerah Nusa
November Tenggara Timur
Extraordinary General Meeting of Shareholders Year 2024 PT. Bank Pembangunan Daerah Nusa
Tenggara Timur
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41
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
17 November/ Penjabat Gubernur NTT, Dr. Andriko Noto Susanto, S.P, M.P. selaku Pemegang Saham Pengendali
November (PSP) memimpin pelaksanaan Rapat Umum Pemegang Saham Luar Biasa (RUPS LB) PT. BPD NTT
atau Bank NTT yang dilaksanakan secara hybrid dan juga offline pada Sabtu (16/11/2024) bertempat
di Ruang Rapat Gubernur Lt. 1 Gedung Sasando.
The Acting Governor of NTT, Dr. Andriko Noto Susanto, S.P, M.P. as the Controlling Shareholder (PSP)
led the implementation of the Extraordinary General Meeting of Shareholders (GMS LB) of PT BPD NTT
or Bank NTT which was held hybrid and offline on Saturday (16/11/2024) at the Governor's Meeting
Room Level 1 of Sasando Building.
18 November/ The 2nd International Research Forum (IRF) 2024 “Driving Finance Innovation to Enhance a Better
November Financial Life” dihadiri oleh Direktur Utama Bank NTT
The 2nd International Research Forum (IRF) 2024 "Driving Finance Innovation to Enhance a Better
Financial Life" was attended by the President Director of Bank NTT.
20-21 November/ Pertemuan Tahunan Evaluasi Kinerja Triwulan III-2024 dan Penyusunan Rencana Bisnis Bank Tahun
November Buku 2025-2027
Annual Meeting for Performance Evaluation of Q3-2024 and Preparation of Bank Business Plan for
Financial Year 2025-2027
21 November/ Penutupan Pertemuan Tahunan Evaluasi Kinerja Triwulan III-2024 dan Penyusunan Rencana Bisnis
November Bank Tahun Buku 2025-2027
Closing of the Annual Meeting for Performance Evaluation of the Third Quarter of 2024 and
Preparation of the Bank's Business Plan for the Financial Year 2025-2027
22 November/ Acara ramah tamah OJK Provinsi NTT dalam rangka HUT OJK Ke-13 Tahun 2024 dihadiri oleh
November Komisaris Independen dan Direktur Kepatuhan Bank NTT
The friendly event of OJK NTT Province in the framework of the 13th Anniversary of OJK 2024 was
attended by Independent Commissioner and Compliance Director of Bank NTT.
22 November/ Kunjungan Kerja Bapak Penjabat Bupati Lembata ke Kantor Pusat Bank NTT
November Working Visit of the Acting Regent of Lembata to the Head Office of Bank NTT
24 November/ HERE WE GO!
November Kami dengan bangga mengumumkan bahwa BANK NTT @bank_ntt resmi menjadi Official Sponsor
untuk PU Run NTT 2024. Dukungan ini akan memberikan energi positif bagi seluruh peserta yang
berlari melintasi keindahan kota Kupang pada tanggal 30 November 2024.
HERE WE GO!
We are proud to announce that BANK NTT @bank_ntt is officially the Official Sponsor for PU Run NTT
2024. This support will provide positive energy for all participants who run through the beautiful city
of Kupang on November 30, 2024.
25 November/ Penandatanganan MOU dan PKS antara Pemerintah Kabupaten Sumba Timur dengan PT Bank
November Pembangunan Daerah NTT tentang Pengembangan dan Penggunaan Aplikasi Cash Management
System (CMS) dan Sistem Keuangan Desa (SISKEUDES) Online
Signing of MOU and PKS between the Government of East Sumba Regency and PT Bank
Pembangunan Daerah NTT regarding the Development and Use of the Cash Management System
(CMS) Application and Online Village Financial System (SISKEUDES)
26 November/ Kunjungan Kerja PLT Direktur Utama dan Direktur Kepatuhan Bank NTT ke Kantor Pusat Bank Jatim
November Working Visit of PLT President Director and Compliance Director of Bank NTT to Bank Jatim Head
Office
29 November/ PLT Direktur Kredit Bank NTT menghadiri acara Dinas Pemberdayaan Masyarakat dan Desa dengan
November Tema Rencana Starategis Bank NTT dalam Mendukung Pemberdayaan Ekonomi Desa. BUM Desa
Binaan dan Skenario kerjasama investasi berbasis BUM Desa/BUM Desa Bersama
PLT Credit Director of Bank NTT attended the Community and Village Empowerment Service event
with the theme of Bank NTT's Strategic Plan in Supporting Village Economic Empowerment. Assisted
BUM Desa and BUM Desa / Joint Village-based investment cooperation scenarios
29 November/ Direktur Kepatuhan Bank NTT menghadiri Serah Terima Jabatan dan Pisah Sambut Kepala Kantor
November Wilayah Kementrian Hukum dan Ham NTT
Compliance Director of Bank NTT attended the Handover of Position and Farewell of the Head of the
Regional Office of the Ministry of Law and Human Rights of NTT.
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
29 November/ Pertemuan Tahunan Bank Indonesia 2024, Sinergi Memperkuat Stabilitas dan Transformasi Ekonomi
November Nasional Kantor Perwakilan Bank Indonesia Provinsi NTT
Bank Indonesia Annual Meeting 2024, Synergy to Strengthen National Economic Stability and
Transformation Representative Office of Bank Indonesia NTT Province
01 Desember/ Direktur Kepatuhan Bank NTT menghadiri Ibadah aperhadapan dan Pengutusan Pendeta, serah terima
December Ketua Majelis Jemaat Moria Liliba dan Peletakan Batu Pertama Gedung Serba Guna Moria Liliba
The Compliance Director of Bank NTT attended the Worship Service and the Pastor's Mission, the
handover of the Chairman of the Assembly of the Moria Liliba Congregation and the Laying of the
First Stone of the Moria Liliba Multipurpose Building.
02 Desember/ PLT Direktur Utama Bank NTT menghadiri Dialog Akhir Tahun 2024 Dewan Komisaris Otoritas Jasa
December Keuangan dengan Industri Jasa Keuangan
PLT President Director of Bank NTT attended the 2024 Year-End Dialogue of the Board of
Commissioners of the Financial Services Authority with the Financial Services Industry
02 Desember/ Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah Provinsi
December Nusa Tenggara Timur
Bank NTT Compliance Director attends the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
02 Desember/ PLT Direktur Kredit Bank NTT menghadiri undangan Bank Indonesia terkait kegiatan Roundtable
December Meeting dengan tema “Langkah Konkret Optimalisasi Potensi Pertanian Melalui Sinergi Lintas
Sektoral”
PLT Credit Director of Bank NTT attended Bank Indonesia's invitation related to the Roundtable
Meeting with the theme "Concrete Steps to Optimize Agricultural Potential Through Cross-Sectoral
Synergy".
04 Desember/ High Level Meetings (HLM) dan User Acceptance Test (UAT) Interkoneksi Sistem Informasi Pemerintah
December Daerah (SIPD) Kemendagri RI dengan Cash Management Sistem (CMS) Bank NTT
High Level Meetings (HLM) and User Acceptance Test (UAT) Interconnection of the Ministry of Home
Affairs' Local Government Information System (SIPD) with Bank NTT's Cash Management System
(CMS)
05 Desember/ Inhouse Training Review dan Pendampingsn Perhitungan Kertas Kerja Suku Bunga Dasar Kredit
December (SBDK) terbaru sesuai POJK 13 Tahun 2024 tengang Transparasi dan Publikasi SBDK Bagi Bank Umum
Inhouse Training Review and Assistance in the Calculation of the latest Basic Credit Rate Working
Paper (SBDK) in accordance with POJK 13 of 2024 concerning Transparency and Publication of SBDK
for Commercial Banks
06 Desember/ Penandatangan Perjanjian Term Loan Facility (TLF) oleh Direktur Dana & Treasury Bank NTT di Kantor
December Pusat Bank Jatim
Signing of Term Loan Facility (TLF) Agreement by Director of Funds & Treasury of Bank NTT at Bank
Jatim Head Office.
06 Desember/ Penyerahan Bantuan PERWABANTT Pusat - Persatuan Wanita Bank NTT Pusat kepada Pengungsi
December Erupsi Gunung Lewotobi di Kabupaten Flores Timur
Handover of Central PERWABANTT Assistance - Central Bank NTT Women's Association to Mount
Lewotobi Eruption Refugees in East Flores Regency
09 Desember/ Direktur Dana & Treasury Bank NTT menghadiri Rapat Paripurna Dewan Perwakilan Rakyat Daerah
December Provinsi Nusa Tenggara Timur
Director of Funds & Treasury of Bank NTT attended the Plenary Meeting of the Regional House of
Representatives of East Nusa Tenggara Province
09 Desember/ Direktur Kepatuhan Bank NTT menghadiri workshop ASBANDA kajian KPK RI Pemetaan Risiko Korupsi
December Pada Bank NTT Pembangunan Daerah (BPD) dalam penyaluran Kredit/Pembiayaan Bermasalah
Bank NTT's Compliance Director attended the ASBANDA workshop on KPK RI's study of Corruption
Risk Mapping in Regional Development Banks (BPD) in the distribution of Troubled Credit / Financing
10 Desember/ Plt Direktur Utama Bank NTT menghadiri Rapat sdengar Pendapat bersama Komisi III DPRD Provinsi
December NTT mengenai RANPERDA Penyertaan Modal Bank NTT
Acting President Director of Bank NTT attended a joint hearing with Commission III of the NTT
Provincial DPRD regarding the RANPERDA for Bank NTT Capital Participation.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
11 Desember/ PLT Direktur Utama dan Direktur Kepatuhan Bank NTT menghadiri Rapat Dengar Pendapat bersama
December Komisi III DPRD Provinsi NTT mengenai RANPERDA Penyertaan Modal Bank NTT
PLT President Director and Compliance Director of Bank NTT attended the Hearing Meeting
with Commission III of the NTT Provincial DPRD regarding the RANPERDA for Bank NTT Capital
Participation.
13 Desember/ Kunjungan Kerja Penjabat Bupati Alor ke Kantor Pusat Bank NTT
December Working Visit of Acting Regent of Alor to Bank NTT Head Office
13 Desember/ Pertemuan akhir tahun Ikatan Wanita Bank Nusa Tenggara Timur (IWABA NTT) dirangkai dengan
December Lomba Busana Adat oleh Panitia Pelaksana, PERWABAN dan IIKPA “Perempuan Berbudaya, NTT
Maju”
The year-end meeting of the East Nusa Tenggara Bank Women's Association (IWABA NTT) was
coupled with a Traditional Dress Competition by the Organizing Committee, PERWABAN and IIKPA
"Cultured Women, Advanced NTT".
16 Desember/ Menjelang akhir 2024, Bank Jatim terus memperkuat Kelompok Usaha Bank (KUB). Pada hari Senin
December (16/12), Bank NTT resmi menjadi bank keempat yang berproses KUB dengan bankjatim. Hal tersebut
ditandai dengan dilakukannya penandatanganan perjanjian antara pemegang saham pengendali
(Shareholder Agreement / SHA) di Kantor Pusat Bank Jatim. Penandatanganan dilakukan oleh
Direktur Utama bankjatim Busrul Iman dan Pj. Gubernur NTT Andriko Noto Susanto.
Towards the end of 2024, Bank Jatim continues to strengthen the Bank Business Group (KUB). On
Monday (16/12), Bank NTT officially became the fourth bank to process KUB with bankjatim. This was
marked by the signing of an agreement between controlling shareholders (Shareholder Agreement
/ SHA) at the Bank Jatim Head Office. The signing was carried out by bankjatim President Director
Busrul Iman and Pj. Governor of NTT Andriko Noto Susanto.
17 Desember/ Direktur Dana & Treasury menghadiri Pembukaan “in House Training bagi Internal Auditor Bank NTT
December TB 2024”
Director of Funds & Treasury attends the Opening of "In House Training for Internal Auditors of Bank
NTT TB 2024"
17 Desember/ Kunjungan Kerja dan Benchmark Bank Maluku Malut ke Kantor Pusat Bank NTT
December Working Visit and Benchmark of Bank Maluku Malut to Bank NTT Headquarters
17 Desember/ Penandatanganan Kesepakatan bersama antara Pemerintah Kabupaten Manggarai dengan PT
December Bank Pembangunan Daerah Nusa Tenggara Timur tengang Implementasi supervisi Siskuedes Online
terintegrasi dengan CMS Bank NTT
The signing of a joint agreement between the Government of Kabupaten Manggarai and PT Bank
Pembangunan Daerah Nusa Tenggara Timur on the implementation of Siskuedes Online supervision
integrated with Bank NTT CMS.
17 Desember/ Penandatanganan Perjanjian Kerjasama antara Bank NTT dan Bank Jatim tentang Layanan Jasa
December Keuangan dalam rangka penyelenggaraan Sharing Biller
Signing of Cooperation Agreement between Bank NTT and Bank Jatim on Financial Services in the
framework of organizing Sharing Biller.
19 Desember/ Direktur Dana & Treasury Bank NTT menghadiri in house training Review dan pendampingan
December perhitungan Liquidity Coverage Ratio (LCR) & Net Stable Funding Ratio (NSF)
Director of Funds & Treasury of Bank NTT attends in house training Review and assistance in the
calculation of Liquidity Coverage Ratio (LCR) & Net Stable Funding Ratio (NSF).
20 Desember/ Direktur Dana & Treasury Bank NTT menghadiri syukuran HUT Provinsi Nusa Tenggara Timur ke-66
December Tahun 2024
Director of Funds & Treasury of Bank NTT attended the celebration of the 66th Anniversary of East
Nusa Tenggara Province in 2024.
21 Desember/ Penandatanganan Perjanjian Kerja sama antara PT Bank Pembangunan Daerah Nusa Tenggara
December Timur dengan PT Mutiara Bintang Abadi tentang Pembayaran Tagihan Pajak Daerah dan Retribusi
daerah melalui channel pembayaran Masago/ V-tax Mobile
The signing of a cooperation agreement between PT Bank Pembangunan Daerah Nusa Tenggara
Timur and PT Mutiara Bintang Abadi on the payment of local tax and levy bills through the Masago /
V-tax Mobile payment channel.
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BANK NTT Laporan Keberlanjutan 2024
Peristiwa Keberlanjutan 2024
2024 Sustainability Event
Tanggal Kejadian Uraian Peristiwa
Date of Event Event Description
23 Desember/ Penandatanganan Perjanjian Kerja Sama PT Asuransi Jiwa Taspen dengan Bank NTT tentang
December pembayaran Tagihan Premi melalui Layanan Autodebet terintegrasi secara Host to Host
Signing of Cooperation Agreement between PT Asuransi Jiwa Taspen and Bank NTT regarding the
payment of Premium Bills through integrated Host to Host Autodebet Service.
23 Desember/ Penandatanganan Perjanjian Kredit Bank NTT dengan Bank Sumatera Utara
December Signing of Credit Agreement between Bank NTT and Bank of North Sumatra
23 Desember/ PLT Direktur Utama dan Direktur Kepatuhan Bank NTT menghadiri Rapat Paripurna pengucapan
December Sumpah/Janji Pengganti antar waktu DPRD Provinsi NTT sisa masa Jabatan Tahun 2024-2029
PLT President Director and Compliance Director of Bank NTT attended the Plenary Meeting of the
Oath / Pledge of Interim Substitutes of the NTT Provincial DPRD for the remaining term of Office
2024-2029.
23 Desember/ Penandatanganan Perjanjian Kerja Sama Pembiayaan FLPP dan Tapera Tahun 2025 antara BP
December Tapera dengan Bank Penyalur dan Komitmen bersama sukseskan Program 3 Juta Rumah
The signing of the FLPP and Tapera Financing Cooperation Agreement in 2025 between BP Tapera
and the Distributor Bank and the joint commitment to succeed the 3 Million Houses Program.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Penghargaan & Sertifikasi
Awards & Certifications
Tanggal Perolehan Uraian Penghargaan Lembaga Penyelenggara
Date of Acquisition Award Description Organizing Agency
20 Maret 2024 TOP BUMD Awards merupakan penghargaan yang Majalah Top Business (PT Madani Solusi
March 20, 2024 diberikan kepada BUMD-BUMD Terbaik di Indonesia Internasional)
termasuk BLUD dan Dinas yang terkait BUMD, atas Top Business Magazine (PT Madani
Achievement (prestasi), Improvement (perbaikan), dan Solusi Internasional)
Contribution Kontribusi) BUMD yang telah dilakukan,
terkait kinerja bisnis, layanan, dan kontribusi terhadap
perekonomian daerah.
TOP BUMD Awards adalah kegiatan pembelajaran
Bersama, dan kegiatan corporate rating (penilaian
kinerja BUMD), yang terbesar, paling membanggakan
di Indonesia.
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BANK NTT Laporan Keberlanjutan 2024
Penghargaan & Sertifikasi
Awards & Certifications
Tanggal Perolehan Uraian Penghargaan Lembaga Penyelenggara
Date of Acquisition Award Description Organizing Agency
Kegiatan TOP BUMD Awards, diselenggarakan oleh
majalah Top Business (yang diterbitkan PT Madani
Solusi Internasional), bekerjasama dengan Institut
Otonomi Daerah (i-OTDA) dan beberapa Lembaga,
Asosiasi dan Konsultan Bisnis, seperti LKN (Lembaga
Kajian Nawacita), SGL Management, PPM Manajemen,
Sinergi Daya Prima, Dwika Consulting, Melani K
Harriman & Associate, dan Solusi Kinerja Bisnis, serta
Fakultas Ekonomi dan Bisnis - Universitas Indonesia,
Universitas Padjadjaran Bandung, dengan melibatkan
Dewan Juri beberapa Profesor dan Doktor Bisnis
Ekonomi, serta para Praktisi dan Konsultan Bisnis.
Acara Puncak penyerahan penghargaan TOP BUMD
Awards 2024 dengan Tema “ Penguatan Tata Kelolah
dalam membangun Kinerja Bisnis dan Layanan BUMD”,
di laksanakan di Jakarta pada tanggal 20 Maret 2024.
Tahun ini TOP BUMD AWARDS 2024, memberikan
penghargaan kepada PT Bank Pembangunan Daerah
Nusa Tenggara Timur untuk 2 Kategori Awards yaitu :
TOP CEO BUMD 2024 kepada Harry Alexander Riwu
Kaho, Direktur Utama Bank NTT dan TOP PEMBINA
CEO BUMD 2024 kepada Ayodhia Kalake, Penjabat
Gubernur Nusa Tenggara Timur.
TOP BUMD Awards is an award given to the Best
BUMDs in Indonesia including BLUD and BUMD-
related Offices, for the Achievement, Improvement,
and Contribution BUMD has done, related to business
performance, services, and contribution to the regional
economy.
TOP BUMD Awards is a joint learning activity, and
corporate rating activity (BUMD performance
assessment), the largest, proudest in Indonesia.
The TOP BUMD Awards activity, organized by Top
Business magazine (published by PT Madani Solusi
Internasional), in collaboration with the Institute of
Regional Autonomy (i-OTDA) and several Institutions,
Associations and Business Consultants, such as LKN
(Nawacita Study Institute), SGL Management, PPM
Management, Sinergi Daya Prima, Dwika Consulting,
Melani K Harriman & Associate, and Business
Performance Solutions, as well as the Faculty of
Economics and Business - University of Indonesia,
Padjadjaran University Bandung, by involving the
Jury of several Professors and Doctors of Business
Economics, as well as Business Practitioners and
Consultants.
The peak event of the awarding of the TOP BUMD
Awards 2024 with the theme "Strengthening
Governance in building BUMD Business Performance
and Services", was held in Jakarta on March 20, 2024.
This year TOP BUMD AWARDS 2024, awarded PT Bank
Pembangunan Daerah Nusa Tenggara Timur for 2
Awards Categories namely: TOP BUMD CEO 2024 to
Harry Alexander Riwu Kaho, President Director of Bank
NTT and TOP BUMD CEO SUPERVISOR 2024 to Ayodhia
Kalake, Acting Governor of East Nusa Tenggara.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Penghargaan & Sertifikasi
Awards & Certifications
Tanggal Perolehan Uraian Penghargaan Lembaga Penyelenggara
Date of Acquisition Award Description Organizing Agency
07 Mei 2024 Penyerahan 50 best CSR Awards 2024 dari the The Iconomics
May 07, 2024 Iconomics kepada Bank NTT
Submission of 50 best CSR Awards 2024 from the
Iconomics to Bank NTT
21 Mei 2024 Penghargaan Kadin NTT Awards kepada Bank NTT KADIN NTT
May 21, 2024 sebagai Bank Daerah yang berkomitmen dalam
Pembangunan dan Pengembangan UMKM daerah di
Seluruh NTT
Kadin NTT Awards to Bank NTT as a Regional Bank that
is committed to the Development and Development of
regional MSMEs throughout NTT.
25 Juli 2024 Bank NTT Menerima Penghargaan Paritrana Award Kemenko PMK, Kemenakertrans, BPJS
July 25, 2024 Peringkat 1 Tingkat Propinsi NTT Ketenagakerjaan
Kemenko PMK, Kemenakertrans, BPJS
Penganugerahan Penghargaan Jaminan Sosial Ketenagakerjaan
Ketenagakerjaan (PARITRANA Award) Tingkat Propinsi
NTT tahun 2023 yang di selenggarakan di Hotel
Harper pada hari Kamis 25 Juli 2024 yang dihadiri oleh
Penjabat Gubernur Nusa Tenggara Timur, Ketua DPRD
Propinsi NT, Deputi Jamsostek Wilayah Bali Nusra dan
Papua, Penjabat Bupati Sikka, Penjabat Bupati Alor,
Sekda Nagekeo, Sekda Belu dan para Nominator
Pemenang Award Propinsi NTT, Bank NTT ditetapkan
sebagai Pemenang Pertama PARITRANA Award
Kategori UMB Jasa Keuangan untuk Jaminan Sosial
Ketenagakerjaan sesuai Surat Keputusan Gubernur
Nusa Tenggara Timur Nomor :234 /KEP/HK/ 2024
tanggal 19 Juni 2024.
Bank NTT Receives Paritrana Award Rank 1 Level
NTT Province
The awarding of the Employment Social Security
Award (PARITRANA Award) at the NTT Provincial Level
in 2023 was held at the Harper Hotel on Thursday,
July 25, 2024, which was attended by the Acting
Governor of East Nusa Tenggara, the Chairman of the
NT Provincial DPRD, the Deputy of Social Security for
the Bali Nusra and Papua Regions, Acting Regent of
Sikka, Acting Regent of Alor, Secretary of Nagekeo,
Secretary of Belu and Nominees of Award Winners
of NTT Province, Bank NTT was determined as the
First Winner of the PARITRANA Award in the Financial
Services UMB Category for Employment Social Security
in accordance with the Decree of the Governor of East
Nusa Tenggara Number :234 /KEP/HK/ 2024 dated
June 19, 2024.
31 Agustus 2024 Piagam Penghargaan Sponsorship kepada Bank NTT Pemerintah Provinsi NTT
August 31, 2024 dalam Event Kupang Exotic Run & Jazz Festival 2024 NTT Provincial Government
Sponsorship Award Charter to Bank NTT in Kupang
Exotic Run & Jazz Festival 2024 Event
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BANK NTT Laporan Tahunan
Keberlanjutan
2024 2024
Laporan Manajemen
Management Report
Page 51
49
2024 Annual
Sustainability
ReportReport Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Page 52
50 BANK NTT Laporan Keberlanjutan 2024 Laporan Direksi Board of Directors Report Yohanis Landu Praing Direktur Teknologi Informasi & Operasional merangkap Plt. Direktur Utama Director of Information Technology & Operations concurrently Act. President Director
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51
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
"
Mikro Merdeka, Kredit UMKM, pembiayaan pertanian
berkelanjutan, serta infrastruktur ramah lingkungan. Target
portofolio keuangan berkelanjutan Bank NTT telah mencapai
35% dari total kredit yang diberikan di tahun 2024
Mikro Merdeka, MSME Credit, sustainable agricultural financing, and environmentally
friendly infrastructure. Bank NTT's sustainable finance portfolio target has reached 35% of
total credit provided in 2024
Laporan Direksi Bank NTT Bank NTT Board of
Directors Report
Laporan ini menjabarkan berbagai upaya strategis This report outlines various strategic efforts and
dan pencapaian Bank NTT sepanjang tahun 2024 achievements of Bank NTT throughout 2024 in
dalam mendukung pembangunan berkelanjutan supporting sustainable development in the East Nusa
di wilayah Nusa Tenggara Timur (NTT). Kami Tenggara (NTT) region. We are strongly committed to
berkomitmen kuat dalam menerapkan prinsip- implementing sustainable finance principles in order
prinsip keuangan berkelanjutan guna menciptakan to create long-term benefits that are balanced for
manfaat jangka panjang yang seimbang bagi aspek the economic, social, and environmental aspects.
ekonomi, sosial, dan lingkungan.
Puji syukur kami panjatkan kepada Tuhan Yang We express our gratitude to God Almighty for all
Maha Esa atas segala rahmat dan karunia-Nya His grace and gifts so that Bank NTT can complete
sehingga Bank NTT dapat menyelesaikan laporan the sustainability report for the 2024 financial year.
keberlanjutan untuk tahun buku 2024. Laporan This report outlines various strategic efforts and
ini menjabarkan berbagai upaya strategis dan achievements of Bank NTT throughout 2024 in
pencapaian Bank NTT sepanjang tahun 2024 dalam supporting sustainable development in the East Nusa
mendukung pembangunan berkelanjutan di wilayah Tenggara (NTT) region. We are strongly committed to
Nusa Tenggara Timur (NTT). Kami berkomitmen implementing sustainable finance principles in order
kuat dalam menerapkan prinsip-prinsip keuangan to create long-term benefits that are balanced for
berkelanjutan guna menciptakan manfaat jangka the economic, social, and environmental aspects.
panjang yang seimbang bagi aspek ekonomi, sosial,
dan lingkungan.
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BANK NTT Laporan Keberlanjutan 2024
Penjelasan Nilai Explanation of
Keberlanjutan bagi Sustainability Values for
Perusahaan the Company
Bank NTT memandang nilai keberlanjutan Bank NTT views sustainability values as
an important
sebagai landasan penting dalam memastikan foundation in ensuring long-term existence
eksistensi jangka panjang serta kontribusi positif and positive contributions to the community,
terhadap masyarakat, lingkungan, dan ekonomi environment, and economy of East Nusa Tenggara
Nusa Tenggara Timur (NTT). Prinsip “Profit, People, (NTT). The principle of “Profit, People, Planet”
Planet” menjadi acuan dalam setiap aktivitas is a reference in every business activity of the
bisnis Bank, mengintegrasikan tujuan bisnis dengan Bank, integrating business objectives with social
tanggung jawab sosial dan pelestarian lingkungan. responsibility and environmental preservation. Bank
Bank NTT meyakini bahwa keberhasilan finansial NTT believes that sustainable financial success will
yang berkelanjutan hanya akan tercapai melalui only be achieved through a responsible and ethical
pendekatan bisnis yang bertanggung jawab dan business approach, as stated in Bank NTT’s core
beretika, sebagaimana tertuang dalam core value value, namely BINTANG, which includes aspects of
Bank NTT yaitu BINTANG yang mencakup aspek bisnis, business, integrity, professional networks, teamwork,
integritas, jaringan profesional, kerja tim, adaptasi technology adaptation, and sustainable growth.
teknologi, serta pertumbuhan berkelanjutan.
Dengan menerapkan prinsip keberlanjutan secara By consistently implementing sustainability
konsisten, Bank NTT memastikan bahwa dampak principles, Bank NTT ensures that the impact of its
operasional bisnisnya memberikan manfaat yang business operations provides balanced benefits for
seimbang bagi seluruh pemangku kepentingan. all stakeholders. Commitment to sustainability is
Komitmen terhadap keberlanjutan juga ditunjukkan also demonstrated through the implementation of
melalui pelaksanaan berbagai program CSR yang various CSR programs covering education, economy,
mencakup pendidikan, ekonomi, sosial, budaya, social, culture, sports, environment, and health,
olahraga, lingkungan, dan kesehatan, yang which reflect the Bank’s responsibility as a regional
mencerminkan tanggung jawab Bank sebagai agen development agent.
pembangunan daerah.
Nilai keberlanjutan juga berarti kesiapan internal Bank Sustainability values also
mean the Bank’s internal
dalam menghadapi berbagai tantangan ekonomi, readiness to face various dynamic economic, social,
sosial, dan lingkungan yang dinamis. Untuk itu, Bank and environmental challenges. To that end, Bank NTT
NTT berfokus pada pengembangan kapasitas SDM focuses on developing HR capacity that is adaptive
yang adaptif terhadap prinsip-prinsip keuangan to sustainable financial principles and improving
berkelanjutan serta meningkatkan kualitas layanan service quality through digitalization and product
melalui digitalisasi dan inovasi produk. innovation.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Respon terhadap Isu Response to Sustainable
Keuangan Berkelanjutan Finance Issues
Sejalan dengan regulasi POJK No. 51/POJK.03/2017, In line with POJK Regulation No. 51/POJK.03/2017,
Bank NTT aktif dalam penerapan keuangan Bank NTT is active in implementing sustainable
berkelanjutan dengan menyusun Rencana Aksi finance by preparing a Sustainable Finance Action
Keuangan Berkelanjutan (RAKB). Bank secara Plan (RAKB). The Bank consistently increases its
konsisten meningkatkan portofolio kredit yang credit portfolio that supports sustainable economic
mendukung kegiatan ekonomi berkelanjutan, seperti activities, such as Independent Micro Credit, MSME
Kredit Mikro Merdeka, Kredit UMKM, pembiayaan Credit, sustainable agricultural financing, and
pertanian berkelanjutan, serta infrastruktur environmentally friendly infrastructure. Bank NTT’s
ramah lingkungan. Target portofolio keuangan sustainable finance portfolio target has reached 35%
berkelanjutan Bank NTT telah mencapai 35% dari of the total credit provided in 2024.
total kredit yang diberikan di tahun 2024.
Sebagai bentuk respons terhadap tantangan isu As a response to the challenges of sustainability
keberlanjutan, Bank NTT secara rutin mengadakan issues, Bank NTT routinely holds internal and external
pelatihan internal maupun eksternal kepada training for employees and customers to socialize
pegawai dan nasabah untuk menyosialisasikan the principles of sustainable finance. By the end of
prinsip-prinsip keuangan berkelanjutan. Hingga 2024, 2,053 employees and 450 customers have
akhir tahun 2024, sebanyak 2.053 pegawai dan 450 participated in the training.
nasabah telah mengikuti pelatihan tersebut.
Respons lain terhadap isu ini adalah penerapan Another response to this issue is the implementation
kebijakan penghematan energi dan pengurangan of energy saving policies and reduction of
limbah operasional, seperti penurunan konsumsi operational waste, such as reducing electricity and
listrik dan kertas sebesar 10% serta penghentian paper consumption by 10% and stopping the use of
penggunaan plastik sekali pakai dalam lingkungan single-use plastic in Bank NTT’s work environment.
kerja Bank NTT.
Komitmen Pimpinan dalam Leadership Commitment to
Penerapan Keuangan Implementing Sustainable
Berkelanjutan Finance
Komitmen pimpinan Bank NTT terhadap penerapan Bank NTT’s leadership commitment to implementing
keuangan berkelanjutan diwujudkan melalui peran sustainable finance is manifested through the
aktif Direksi dan Dewan Komisaris dalam mengawasi active role of the Board of Directors and Board of
implementasi RAKB. Direksi secara langsung Commissioners in overseeing the implementation
mengawasi pengelolaan dan realisasi program of RAKB. The Board of Directors directly oversees
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BANK NTT Laporan Keberlanjutan 2024
keberlanjutan yang dirancang secara strategis untuk the management and realization of sustainability
mendukung pembangunan berkelanjutan di NTT. programs that are strategically designed to support
sustainable development in NTT.
Sebagai bentuk nyata komitmen tersebut, Direksi As a concrete form of this commitment, the Board
telah mengalokasikan anggaran CSR sebesar of Directors has allocated a CSR budget of IDR 9
Rp9 miliar, dengan realisasi sebesar Rp3,08 miliar billion, with a realization of IDR 3.08 billion throughout
sepanjang tahun 2024 untuk berbagai program 2024 for various strategic programs that support the
strategis yang mendukung pencapaian SDGs. achievement of the SDGs. The Bank’s leadership
Pimpinan Bank juga secara aktif mendorong also actively encourages the development of HR
pengembangan kapasitas SDM melalui berbagai capacity through various training and internal
pelatihan dan kegiatan internal yang mendukung activities that support environmental awareness and
kesadaran lingkungan serta tanggung jawab sosial. social responsibility.
Pimpinan Bank NTT berkomitmen memastikan tata Bank NTT’s leadership is committed to ensuring that
kelola perusahaan yang baik (GCG) diterapkan good corporate governance (GCG) is consistently
secara konsisten sebagai bagian integral dari implemented as an integral part of the sustainability
strategi keberlanjutan, melalui struktur organisasi strategy, through an organizational structure and
dan kebijakan internal yang transparan, akuntabel, internal policies that are transparent, accountable,
dan berorientasi pada hasil jangka panjang. and oriented towards long-term results.
Pencapaian Kinerja Sustainable Financial
Keuangan Berkelanjutan Performance Achievements
Tahun 2024 mencatat pencapaian positif dalam 2024 recorded positive achievements in the
implementasi keuangan berkelanjutan Bank NTT, implementation of sustainable finance by Bank NTT,
dengan portofolio kredit berkelanjutan mencapai with a sustainable credit portfolio reaching the target
target 35%. Bank NTT berhasil menjalankan berbagai of 35%. Bank NTT has succeeded in implementing
program unggulan seperti Kredit Sindikasi untuk various leading programs such as Syndicated
infrastruktur, pembiayaan pertanian dan peternakan Credit for infrastructure, environmentally integrated
terintegrasi lingkungan, serta Kredit Energi Baru agricultural and livestock financing, and New and
Terbarukan (EBT). Renewable Energy (EBT) Credit.
Dari aspek lingkungan, Bank berhasil mengurangi From an environmental aspect, the Bank has
konsumsi listrik dan kertas masing-masing sebesar 10%, succeeded in reducing electricity and paper
serta secara total menghentikan penggunaan botol consumption by 10% each, and has completely
plastik sekali pakai. Digitalisasi layanan melalui aplikasi stopped using single-use plastic bottles.
seperti Be Pung Mobile, Smart Branch, dan berbagai Digitalization of services through applications such
layanan digital lainnya turut memberikan kontribusi as Be Pung Mobile, Smart Branch, and various other
signifikan dalam mendukung operasional berkelanjutan digital services has also contributed significantly
dan efisiensi pelayanan kepada nasabah. to supporting sustainable operations and service
efficiency to customers.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Pencapaian ini mencerminkan keberhasilan Bank This achievement reflects the Bank’s success in
dalam menyelaraskan aktivitas bisnisnya dengan aligning its business activities with sustainability
prinsip-prinsip keberlanjutan, sekaligus memperkuat principles, while strengthening the Bank’s reputation
reputasi Bank sebagai institusi yang peduli terhadap as an institution that cares about the environment
lingkungan dan sosial. and society.
Tantangan dalam Penerapan Challenges in Implementing
Keuangan Berkelanjutan Sustainable Finance
Salah satu tantangan utama yang dihadapi One of the main challenges faced in implementing
dalam penerapan keuangan berkelanjutan adalah sustainable finance is changing the mindset
perubahan pola pikir nasabah dan pemangku of customers and stakeholders in integrating
kepentingan dalam mengintegrasikan prinsip sustainability principles with their business goals.
keberlanjutan dengan tujuan bisnis mereka. Bank NTT Bank NTT still needs to continue to provide
masih perlu terus melakukan edukasi dan sosialisasi wider education and socialization to increase
lebih luas untuk meningkatkan pemahaman dan understanding and acceptance of these principles.
penerimaan prinsip-prinsip ini.
Di sisi internal, pengembangan kompetensi pegawai On the internal side, sustainable employee
secara berkelanjutan juga menjadi tantangan, competency development is also a challenge,
mengingat pentingnya SDM yang memiliki considering the importance of HR who have a deep
pemahaman mendalam tentang konsep dan aplikasi understanding of the concept and application of
keuangan berkelanjutan. Meskipun telah dilakukan sustainable finance. Although various trainings have
berbagai pelatihan, masih diperlukan peningkatan been carried out, it is still necessary to increase the
frekuensi dan cakupan pelatihan yang lebih luas. frequency and scope of training more widely.
Selain itu, tantangan lain adalah kebutuhan investasi In addition, another challenge is the need for
yang signifikan dalam pengembangan teknologi significant investment in the development of digital
dan infrastruktur digital, yang menjadi kunci dalam technology and infrastructure, which are key to
peningkatan efisiensi operasional dan mendukung increasing operational efficiency and supporting
prinsip keberlanjutan. Bank NTT berupaya terus the principle of sustainability. Bank NTT strives to
meningkatkan investasi di bidang ini dengan tetap continue to increase investment in this area while still
mempertimbangkan prinsip kehati-hatian dan considering the principle of prudence and dynamic
kondisi bisnis yang dinamis. business conditions.
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BANK NTT Laporan Keberlanjutan 2024
Penutup Conclusion
Dengan terus mengatasi berbagai tantangan ini, By continuing to overcome these challenges, Bank
Bank NTT optimis mampu memperkuat perannya NTT is optimistic that it will be able to strengthen its
sebagai institusi keuangan yang tidak hanya role as a financial institution that is not only profit-
berorientasi profit, tetapi juga mampu memberikan oriented, but also able to make a real contribution to
kontribusi nyata bagi pembangunan berkelanjutan sustainable development in NTT.
di NTT.
Kami menyampaikan apresiasi yang tulus dan We express our sincere appreciation and gratitude
ucapan terima kasih kepada seluruh pemangku to all stakeholders, including customers, business
kepentingan, termasuk nasabah, mitra kerja, partners, local governments, communities, and
pemerintah daerah, masyarakat, serta karyawan employees of Bank NTT for their support, cooperation,
Bank NTT atas dukungan, kerja sama, dan and contributions during 2024. We hope that this
kontribusinya selama tahun 2024. Kami berharap cooperation will continue to be closely established in
kerja sama ini terus terjalin erat demi mewujudkan order to realize sustainable development in the NTT
pembangunan berkelanjutan di wilayah NTT. region.
Kupang, 30 April 2025
Yohanis Landu Praing
Direktur Teknologi Informasi & Operasional merangkap Plt. Direktur Utama
Director of Information Technology & Operations concurrently Act. President Director
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Lembar Pengesahan Laporan
Keberlanjutan 2024 Bank NTT
Bank NTT 2024 Sustainability Report Approval Sheet
Manajemen Bank NTT bertanggung jawab atas Bank NTT Management is responsible for the
Laporan Keberlanjutan dan informasi lainnya yang Sustainability Report and other related information.
terkait. Seluruh anggota Dewan Komisaris dan All members of the Board of Commissioners and
Direksi membubuhkan tanda tangan masing-masing Board of Directors have affixed their respective
dibawah ini pada Tanggal 30 April 2025 sebagai signatures below on April 30, 2025 as a sign that
tanda bahwa seluruh materialitas telah dikaji, all materiality has been reviewed, approved and
disetujui dan dijamin kebenaran serta cakupan guaranteed for its truth and scope of materiality.
materialitasnya.
Komisaris
Board of Commissioner
Frans Gana
Komisaris Independen
Independent Commissioner
Direksi
Board of Directors
Yohanis Landu Praing Hilarius Minggu
Direktur Teknologi Informasi & Operasional Direktur Dana & Treasury merangkap Direktur Kredit
merangkap Plt. Direktur Utama Director of Funds & Treasury concurrently Director of
Director of Information Technology & Operations Credit
concurrently Act. President Director
Christofel S.M. Adoe
Direktur Kepatuhan
Director of Compliance
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BANK NTT Laporan Keberlanjutan
Tahunan 2024 2024
Profil Perusahaan
Company Profile
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59
2024 Sustainability
Annual ReportReport Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
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BANK NTT Laporan Keberlanjutan 2024
Milestone Sejarah Bank NTT
A Brief History Of Bank Ntt
Tahun berdiri Bank NTT Menjadi Bank Devisa
Year of establishment Bank NTT Becomes a Foreign Exchange Bank
1962 2023
Perubahan dari Perusahaan Daerah menjadi Masuk Jaringan ATM Bersama
Perseroan Terbatas (PT) Entering the ATM Bersama Network
Change from Regional Company to Limited
Liability Company (PT)
1999 2006
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Mulai beroperasi (17/07) berdasarkan
Akta Pendirian No.12 tanggal 18
Oktober 1961, dengan nama PT. Bank
1962 Pembangunan Daerah Nusa Tenggara
Timur
Started operating (17/07) based on
Deed of Establishment No.12 dated
October 18, 1961, under the name PT. Bank
Pembangunan Daerah Nusa Tenggara
Timur
Perubahan status hukum Bank
Pembangunan Daerah Nusa Tenggara
Timur dari Perseroan Terbatas menjadi
Perusahaan Daerah.
Change of legal status of East Nusa
1963
Tenggara Regional Development Bank
from a Limited Liability Company to a
Regional Company.
- Perubahan bentuk badan hukum dari
Perusahaan Daerah kembali menjadi
Perseroan Terbatas dengan Modal
1999 Dasar sebesar Rp. 80 miliar.
- Program Rekapitalisasi Bank
Pembangunan Daerah.
- Change of legal form from a Regional
Company back to a Limited Liability
Company with an Authorized Capital
of Rp. 80 billion.
Pergantian System Teknologi dari - Regional Development Bank
Integrated Banking System (IBS) ke On Recapitalization Program.
Line Integrated Banking System (OLIB’s)
bekerja sama dengan Konsultan Collega
Inti Pratama
2002
Technology System Change from
Integrated Banking System (IBS) to On
Line Integrated Banking System (OLIB's) in
collaboration with Collega Inti Pratama - Penyelesaian Program Rekapitalisasi
Consultant dan Pemerintah Republik Indonesia
mengalihkan 46.600 saham miliknya
2004 dalam Perseroan kepada Pemerintah
Provinsi Nusa Tenggara Timur.
- Perubahan modal dasar bank dari Rp.
80 miliar menjadi Rp. 250 miliar.
- Completion of the Recapitalization
Program and the Government of the
Republic of Indonesia transferred
46,600 of its shares in the Company
to the Government of East Nusa
Tergabung dalam jaringan ATM Bersama
Tenggara Province.
dengan bank bank di seluruh Indonesia
Joins the ATM Bersama network with 2006 - Change in authorized capital of the
bank from Rp. 80 billion to Rp. 250
banks throughout Indonesia
billion.
- Perubahan modal dasar bank dari Rp.
250 miliar menjadi Rp. 500 miliar
- Perubahan Logo Bank NTT dan
2007 Peresmian Gedung Kantor Pusat Bank
NTT di Jl. W.J. Lalamentik No. 102.
Kupang
- Change in authorized capital of the
bank from Rp. 250 billion to Rp. 500
billion
- Change of Bank NTT Logo and
Inauguration of Bank NTT Head Office
Building at Jl. W.J. Lalamentik No. 102.
Perubahan modal dasar bank dari Rp. Kupang
500 miliar menjadi Rp. 1 triliun
Change in authorized capital of the bank 2010
from Rp. 500 billion to Rp. 1 trillion
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BANK NTT Laporan Keberlanjutan 2024
Menerbitkan Obligasi I Bank NTT sebesar
2011 Rp. 500 milyar
Issued Bank NTT Bond I amounting to
Rp. 500
Perubahan modal dasar bank dari Rp. 1
triliun menjadi Rp. 4 triliun.
Change in the bank's authorized capital 2016
from Rp. 1 trillion to Rp. 4 trillion.
Menerbitkan surat berharga dalam
bentuk Negotiable Certificate of Deposit
(NCD) sebesar Rp. 450 miliar.
2017 Issued securities in the form of Negotiable
Certificate of Deposit (NCD) amounting
to Rp. 450 billion.
Menerbitkan Obligasi berkelanjutan
Bank NTT sebesar Rp. 1 triliun dengan
penerbitan I senilai Rp. 500 miliar
Issued Bank NTT sustainable bonds
amounting to Rp. 1 trillion with the first
2018
issuance worth Rp. 500 billion
Pergantian System Teknologi dari On Line
Integrated Banking System (OLIB’s) ke
T-24
2020 Technology System Change from On Line
Integrated Banking System (OLIB's) to
T-24
- Bank NTT mempersembahkan
Layanan Super Smart Branch dengan
melakukan re-branding Layanan
Smart Branch di 2 (dua) Kantor
Cabang yaitu Kantor Cabang Utama
2021
Kupang dan Kantor Cabang Khusus.
- Pencapaian tingkat kesehatan bank 2
(sehat)
- Bank NTT presents the Super Smart - Hadirnya Fitur BI-Fast dalam Layanan
Branch Service by re-branding the Aplikasi B Pung Mobile Bank NTT
Smart Branch Service in 2 (two) Branch - Penambahan Mesin CRM untuk
Offices, namely the Kupang Main
Branch Office and the Special Branch
2022 layanan 24 Jam serta ATM Disabilitas
- MoU dengan Bank DKI Tentang
Office. Pembentukan Kelompok Usaha Bank
- Achievement of bank health level 2 (KUB) sebagai salah satu strategi
(healthy) penguatan modal inti Bank
- The Presence of the BI-Fast Feature in
the B Pung Mobile Application Service
- Bank NTT menjadi Bank Devisa of Bank NTT
- Launching New Core Value Bank NTT - Addition of CRM Machines for 24-Hour
“BINTANG” Services and Disability ATMs
- Bank NTT becomes a Foreign
Exchange Bank
2023 - MoU with Bank DKI Regarding the
Establishment of Bank Business Groups
- Launching New Core Value of Bank (KUB) as one of the Bank’s core capital
NTT “BINTANG” strengthening strategies
Kerjasama melalui Pembentukan
Kelompok Usaha Bank (KUB) dengan
Bank Jatim
2024 Cooperation through the Establishment
of Bank Business Groups (KUB) with Bank
Jatim
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
VISI, MISI DAN NILAI KEBERLANJUTAN
Vision, Mission and Sustainability Values
VISI
Vision
“ Menjadi Bank
Yang Sehat,
Kuat dan
Terpercaya
To Become a
Healthy, Strong and MISI
Mission
“
Trustworthy Bank
1. Pelopor penggerak ekonomi rakyat.
2. Menggali sumber potensi daerah untuk
diusahakan secara produktif bagi
kesejahteraan masyarakat NTT.
3. Meningkatkan sumber pendapatan asli
daerah.
4. Mengoptimalkan fungsi Intermediasi Bank
melalui penghimpunan dan penyaluran dana
kepada masyarakat dalam bentuk kredit.
1. A pioneer in driving the people’s economy.
2. Exploring sources of regional potential to be
cultivated productively for the welfare of the
people of NTT.
3. Increase sources of local revenue.
4. Optimizing the Bank’s Intermediary function
through the collection and distribution of
funds to the public in the form of credit.
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BANK NTT Laporan Keberlanjutan 2024
Nilai Berkelanjutan Sustainable Value
Nilai keberlanjutan Bank NTT tercermin dalam nilai Bank NTT’s sustainability values are reflected in the
perseroan. Prinsip ini menjadi tata nilai budaya kerja company’s values. This principle becomes the value
Bank NTT serta tonggak perilaku teladan yang wajib system of Bank NTT’s work culture and a milestone
dilaksanakan semua karyawan Bank NTT meliputi of exemplary behavior that must be implemented
jajaran Dewan Komisaris, Direksi, pemimpin eksekutif by all employees of Bank NTT, including the Board of
hingga jajaran pegawai dalam struktur organisasi Commissioners, Board of Directors, executive leaders
Bank NTT. to the ranks of employees in the organizational
structure of Bank NTT.
New Core Value New Core Value
Bekerja secara Cerdas, Kreatif, Inovatif dan Berpikir No Box. Bank NTT mampu untuk
menyiapkan Pelayanan memenuhi Kebutuhan Nasabah dan memberikan Kepuasan serta
B Business Oriented
Nilai tambah yang memulihkan dan menaikan kepercayaan bagi Bank NTT.
Working Smart, Creative, Innovative and Thinking No Box. Bank NTT is able to prepare
services that meet customer needs and provide satisfaction and added value that restores
and increases trust for Bank NTT.
Bekerja dengan Jujur dan Patuh sesuai aturan dan Kode Etik. Stop Fraud, Pungli, Suap dan
I Independent,
Infinite, Integritas
Gratifikasi.
Work Honestly and Obey according to the rules and Code of Ethics. Stop Fraud, Extortion,
Bribery and Gratification.
Menjalin Hubungan Kerjasama yang Profesional dengan Nasabah, Pemerintah dan Mitra
N Networking
adalah salah satu kunci Eksistensi Bank NTT.
Establishing professional relationships with customers, government and partners is one of
the keys to the existence of Bank NTT.
Menjaga Kepercayaan Shareholders dan Stakeholders, Kolaborasi, Sinergitas dan Kompak
T Trust & Team Work
dalam Bekerja guna menghasilkan Karya yang mampu bersaing.
Maintaining the Trust of Shareholders and Stakeholders, Collaboration, Synergy and
Compactness in Work to produce works that can compete.
Cepat menyesuaikan perkembangan Bisnis yang Dinamis dan mampu menghasilkan
A Adaptif
Inovasi Produk Perbankan yang menjawab Kebutuhan Nasabah.
Quickly adjust to Dynamic Business developments and be able to produce Banking Product
Innovations that answer Customer Needs.
Bank NTT terus melakukan Adaptasi dan Penyesuaian dengan Teknologi dan Digital guna
N New Technology
memberikan Pelayanan yang Cepat, Mudah, Murah, Aman dan Handal.
Bank NTT continues to adapt and adjust to technology and digital in order to provide fast,
easy, cheap, safe and reliable services.
Dimulai dari bertumbuh pada Kompetensi diri, Skill, Knowledge, Productivity, dan Profit
akan memberikan tapak untuk Momentum Keberlanjutan dalam bisnis dan bisnis proses,
Re-engineering, Re-focusing, dan Revitalisasi Bisnis memberikan pertumbuhan yang
G Growth &
Sustainable
berkelanjutan bagi Bank NTT.
Starting from growing in Competence, Skill, Knowledge, Productivity, and Profit will provide a
platform for Sustainability Momentum in business and business processes, Re-engineering,
Re-focusing, and Business Revitalization provide sustainable growth for Bank NTT.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Informasi Umum Perusahaan
General Information
Statistik Penting Skala Perusahaan (2024)
Key Statistics of Enterprise Scale (2024)
Laba bersih tahun berjalan Jumlah ekuitas Pendapatan bunga bersih Jumlah pegawai
• Net profit for the year • Total equity • Net interest income • Number of
employees
228,10 Miliar/ Billion
2,70
Triliun/ Trillion
1,08
Triliun/ Trillion
2.053Orang/ People
Total aset
• Total assets
16,43Triliun/ Trillion
Nama Perusahaan
Company Name
PT. Bank Pembangunan Daerah Nusa Tenggara Timur
Nama Panggilan
Nickname
Bank NTT
Nama Perubahan
Name Change
Sejak berdirinya Bank NTT belum pernah mengalami
perubahan nama Kepemilikan Saham [GRI 102-5]
Since its establishment, Bank NTT has never changed its Shareholding [GRI 102-5]
name
Status
Status
Bank Umum/Konvensional
Commercial/Conventional Bank
Bidang Usaha
Line of Business
Perbankan
0,07% 99,93%
Banking
Tanggal Pendirian
Saham Seri B Saham Seri A*
Date of Establishment
Series A shares Series A shareB*
* Pemerintah Propinsi NTT, Pemerintah Kota Kupang,
17 Juli 1962 Pemerintah Kabupaten se NTT
July 17, 1962 * NTT Provincial Government, Kupang City Government,
District governments in NTT
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BANK NTT Laporan Keberlanjutan 2024
Modal Dasar Pencatatan Saham di Bursa
Authorized Capital Listing of Shares on the Exchange
Rp. 4.000.000.000.000,- Bursa Efek Indonesia
Indonesia Stock Exchange
Modal Ditempatkan dan Disetor Penuh Wilayah Operasional
Issued and Fully Paid-up Capital Operational Area
Nusa Tenggara Timur & Surabaya
Rp. 2.045.186.350,- East Nusa Tenggara & Surabaya
Alamat Kantor Pusat [GRI 102-3] Jumlah Kas Mobil
Head Office Address [GRI 102-3] Total Car Cash
Jl. W. J. Lalamentik No. 102 Kupang - NTT 8
Dasar Hukum Pendirian [GRI 102-5] Jumlah ATM & CRM
Legal Basis of Establishment [GRI 102-5] Number of ATMs & CRMs
Akta No.12 tanggal 18 Oktober 1961 yang dibuat dihadapan 215
Casper Melkior Keluanan Amalo (Wakil Notaris Sementara
di Kupang)
Deed No.12 dated October 18, 1961 made before Casper
Jumlah Payment Point
Melkior Keluanan Amalo (Temporary Deputy Notary in
Number of Payment Points
Kupang)
26
Jumlah Merchant QRIS Jumlah EDC
Number of QRIS Merchants Number of EDCs
22.606 user 1.014 unit EDC
Jumlah Agen Di@ Bisa Jumlah Laku Pandai
Number of Di@Can Agents Number of Laku Pandai
13.100 agen 1.820 agen
Jumlah Kas Titipan BI Jumlah Lopo Di@ Bisa
Total Cash deposited with BI Number of Lopo Di@ Can
8 62
Jumlah Pegawai Jumlah Money Changer
Number of Employees Number of Money Changers
2.053 Pegawai/ Employees 3
Jumlah CRM (Setor Tarik)
CRM (Deposit Withdrawal) Amount
33
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Jaringan Kantor
Office Network
1 Unit Kantor Pusat 1 Head Office Unit
15 Divisi 15 Divisions
23 Unit Kantor Cabang 23 Branch Office Units
46 Unit Kantor Cabang Pembantu 46 Units
117 Unit Kantor Fungsional 117 Office Units
Persebaran Jaringan Kantor Bank NTT
Distribution of NTT Bank Office Network
1 1 21
Triliun/ Trillion
46
Triliun/ Trillion
Kantor Cabang Utama Kantor Cabang Khusus Kantor Cabang Kantor Cabang Pembantu
Main Branch Office Special Branch Office Branch Office Sub-Branch Office
116 248 Unit
18.203 Unit
Kantor Fungsional ATM & CRM Merchant QRIS
Functional Office QRIS Merchants
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BANK NTT Laporan Keberlanjutan 2024
Struktur Organisasi
Organizational Structure
Sejalan dengan perkembangan bisnis Bank NTT, Struktur Organisasi Bank NTT mengalami perubahan beberapa
kali. Perubahan terakhir terjadi pada tanggal 27 Oktober 2021 sebagaimana dituangkan dalam Surat Keputusan
Direksi Nomor 160 tahun 2021 tentang Susunan Organisasi dan Tata Kerja PT. Bank Pembangunan Daerah Nusa
Tenggara Timur.
RUPS
GMS
DIREKTUR UTAMA
Presiden Director
DIREKTUR TEKNOLOGI
DIREKTUR KEPATUHAN
INFORMASI & OPERASIONAL
Director of Information Director of Compliance
Technology & Operations
DIVISI CORPORATE DIVISI SUMBER DAYA
SECRETARY MANUSIA DIVISI KEPATUHAN
Corporate Secretary Human Resource Compliance Division
& Legal Division Division
DIVISI DIVISI MANAJEMEN
PENGAWASAN & SKAI DIVISI UMUM RISIKO
Supervisory & SKAI General Affair Division Risk Management
Division Division
DIVISI RISET &
PENGEMBANGAN DIVISI OPERASIONAL
Research & Operations Division
Development Division
CABANG KELAS A DIVISI TEKNOLOGI
Branch Class A INFORMASI
Information &
CABANG KELAS B Technology Division
Branch Class B
CABANG KELAS C
Branch Class C
CAPEM KELAS ABC
Branch Class ABC
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
In line with Bank NTT’s business development, the Bank NTT Organizational Structure has changed several times.
The latest change occurred on 27 October 2021 as outlined in the Decree of the Board of Directors Number 160
of 2021 concerning the Organizational Structure and Work Procedures of PT Bank Pembangunan Daerah Nusa
Tenggara Timur.
DEWAN KOMISARIS
Board of
Commissioners
KOMITE
PEMANTAU RISIKO
Risk Monitoring Committee
KOMITE REMUNERASI
& NOMINASI
Remuneration &
Nomination Committee
DIREKTUR DANA & TREASURY DIREKTUR KREDIT KOMITE AUDIT
Director of Director of Credit Audit Committee
Funds & Treasury
KOMITE IT
IT Committee
DIVISI TREASURY & DIVISI KREDIT MIKRO,
INTERNASIONAL KECIL & KONSUMER
Treasury & International Micro, Small & Consumer KOMITE
Division Credit Division MANAJEMEN RISIKO
Risk Management
Committee
DIVISI KREDIT
DIVISI DANA & JASA MENENGAH & KOMERSIL STAF DIREKSI
Funds & Services Medium & Commercial Staff of Board of
Directors KOMITE ALCO
Division Credit Division
ALCO Committee
DIVISI KREDIT
SUPPORTING KREDIT
Supporting Credit KOMITE KREDIT
Division Credit Committee
DIVISI PENYELAMATAN &
PENYELESAIAN KREDIT KOMITE SDM
Rescue & Finishing HR Committee
Credit Division
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BANK NTT Laporan Keberlanjutan 2024
KEGIATAN USAHA [GRI 102-2a]
Business Activities [GRI 102-2a]
Kegiatan usaha yang dilakukan Bank NTT, The business activities carried out by Bank NTT
diantaranya: include:
1. Menghimpun dana dari masyarakat dalam 1. Raising funds from the public in the form of
bentuk simpanan berupa giro, deposito deposits in the form of demand deposits, time
berjangka, sertifikat deposito, tabungan dan/ deposits, certificates of deposit, savings and / or
atau bentuk lain yang disamakan dengan itu. other forms that are equated with it
2. Memberikan kredit. 2. Providing credit.
3. Menerbitkan surat pengakuan utang; 3. Issuing debt acknowledgment letters;
4. Membeli, menjual, atau menjamin atas risiko 4. Buying, selling, or guaranteeing at its own risk
sendiri maupun untuk kepentingan dan atas or for the benefit of and at the behest of its
perintah nasabahnya: customers:
- Surat-surat wesel termasuk wesel yang - Drafts include drafts accepted by the Bank
diakseptasi oleh Bank yang masa berlakunya with a validity period not exceeding that
tidak lebih lama dari kebiasaan dalam customary in the trade of such drafts;
perdagangan surat-surat dimaksud;
- Surat pengakuan hutang dan kertas dagang - Debt acknowledgments and other
lainnya yang masa berlakunya tidak lebih commercial paper with a validity period not
lama dari kebiasaan dalam perdagangan exceeding that customary in the trading of
surat-surat dimaksud; such paper;
- Kertas Pembendaharaan Negara dan Surat - Treasury Bills and Government Guarantee
Jaminan Pemerintah; Notes;
- Sertifikat Bank Indonesia (SBI); - Bank Indonesia Certificates (SBI);
- Obligasi; - Bonds;
- Surat dagang berjangka waktu sampai - Commercial paper with a maturity of up to 1
dengan 1 (satu) tahun; dan (one) year; and
- Instrumen surat berharga lain yang berjangka - Other securities instruments with maturities of
waktu sampai dengan 1 (satu) tahun. up to 1 (one) year.
5. Memindahkan uang baik untuk kepentingan 5. Moving money either for one’s own benefit or for
sendiri maupun untuk kepentingan nasabah; the benefit of customers;
6. Menempatkan dana pada, meminjam dana 6. Placing funds with, borrowing funds from, or
dari, atau meminjamkan dana kepada bank lending funds to other banks, either by using
lain, baik dengan menggunakan surat, sarana letters, telecommunications facilities or by bills of
telekomunikasi maupun dengan wesel unjuk, cek, exchange, checks, or other means;
atau sarana lainnya;
7. Menerima pembayaran dari tagihan atau surat 7. Receive payments from bills or securities and
berharga dan melakukan perhitungan dengan make calculations with or between third parties;
atau antar pihak ketiga;
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
8. Menyediakan tempat untuk menyimpan barang 8. Provide a place to store goods and securities;
dan surat berharga;
9. Melakukan kegiatan penitipan untuk kepentingan 9. Carrying out custodial activities for the benefit of
pihak lain berdasarkan suatu kontrak other parties based on a contract
10. Membeli melalui pelelangan agunan baik semua 10. Purchasing through collateral auction either all
maupun sebagian dalam hal debitur tidak or partially in the event that the debtor does not
memenuhi kewajibannya kepada Bank, dengan fulfill its obligations to the Bank, provided that the
ketentuan agunan yang dibeli tersebut wajib purchased collateral must be disbursed as soon
dicairkan secepatnya; as possible;
11. Melakukan kegiatan anjak piutang, usaha kartu 11. Perform factoring activities, credit card business
kredit dan kegiatan wali amanat; and trustee activities;
12. Melakukan kegiatan layanan melalui Smart 12. Melakukan kegiatan layanan melalui Smart
Branch berbasis Hybrid untuk memperoleh Branch berbasis Hybrid untuk memperoleh
informasi, komunikasi,registrasi , pembukaan informasi, komunikasi,registrasi , pembukaan
rekening , transaksi perbankan, simulasi kredit rekening , transaksi perbankan, simulasi kredit
serta layanan lainnya; serta layanan lainnya;
13. Melakukan kegiatan dalam valuta asing melalui 13 Conduct activities in foreign exchange through
unit money changer dengan memenuhi ketentuan a money changer unit by fulfilling the provisions
yang ditetapkan oleh yang berwenang; stipulated by the authorities;
14. Bertindak sebagai pendiri dana pensiun sesuai 14. Act as the founder of the pension fund in
dengan ketentuan dalam peraturan dana accordance with the provisions in the applicable
pensiun yang berlaku; pension fund regulations;
14. Melakukan kegiatan usaha lainnya yang lazim 14. Conduct other business activities commonly
dilakukan oleh suatu bank umum sepanjang tidak carried out by a commercial bank as long as it
bertentangan dengan peraturan perundang- does not conflict with the prevailing laws and
undangan yang berlaku. regulations.
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BANK NTT Laporan Keberlanjutan 2024
Skala Perusahaan (102-7) [3.c.1)]
Company Scale (102-7) [3.c.1)]
Uraian Satuan
No 2022 2023 2024
Description Unit
1 Pendapatan bunga bersih Jutaan Rp
1.069.918 1.040.043 1.082.740
Net interest income Millions IDR
2 Laba Tahun berjalan Jutaan Rp
305.353 148.544 228.103
Profit for the Year Millions IDR
3 Total Aset Jutaan Rp
17.032.120 17.325.444 16.430.713
Total Assets Millions IDR
4 Jumlah ekuitas Jutaan Rp
2.568.943 2.548.169 2.698.126
Total equity Millions IDR
5 Jumlah Liabilitas Jutaan Rp
14.463.177 14.777.275 13.732.588
Total Liabilities Millions IDR
6 Kepemilikan Saham :
Shareholding:
Saham Seri A %
99.93 99.94 99.94
Series A Shares
a. Pemerintah Propinsi NTT %
26.84 25.67 24.83
a. NTT Provincial Government
b. Pemerintah Kota Kupang %
5.62 5.87 5.91
b. Kupang City Government
c. Pemerintah Kabupaten %
67.47 68.40 69.20
c. District Government
Saham Seri B %
0.07 0.06 0.06
Series B Shares
7 Jumlah pegawai Orang
1.985 1.975 2.053
Number of employees People
8 Jumlah kantor cabang Unit
24 23 23
Number of branch offices
9 Jumlah kantor cabang pembantu Unit
44 46 46
Number of sub-branches
10 Jumlah Kantor Fungsional Unit
122 116 117
Number of Functional Offices
12 Jumlah ATM & CRM Unit
249 248 248
Number of ATMs & CRMs
13 Jumlah produk/jasa yang disediakan Kategori produk 3 (Simpanan, 3 (Simpanan, 3 (Simpanan,
Number of products/services provided Product Pinjaman, Pinjaman, Pinjaman,
category Jasa Lainnya Jasa Lainnya Jasa Lainnya
3 (Deposits, 3 (Deposits, 3 (Deposits,
Loans, Other Loans, Other Loans, Other
Services) Services Services)
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Informasi Mengenai Pegawai (102-8, 405-1) [3.c.2]
Employee Information (102-8, 405-1) [3.c.2]
Komposisi Pegawai (2023)
Staff Composition (2023)
979 Laki-laki
1.074
Perempuan
241 Kontrak
1.811
Pegawai tetap
Male Female Contract Permanent
Employees
Usia terbanyak
pegawai: 30-39 tahun
Age of most employees:
30-39 years old
930
Orang
Pendidikan dominan
Dominant education
1.460
Sarjana
People Bachelor’s degree
Sumber Daya Manusia (SDM) merupakan aset penting Human Resources (HR) is an important asset in the
dalam perkembangan Bank NTT. Keberadaan development of Bank NTT. Their existence greatly
mereka sangat menentukan keberhasilan dalam determines the success in achieving the targets set by
mencapai target-target yang telah ditetapkan the company and the current business development
perusahaan serta perkembangan bisnis Bank NTT of Bank NTT cannot be separated from the readiness
saat ini tidak terlepas dari kesiapan SDM yang of human resources who are professional, have
professional, berintegritas serta berdaya saing integrity and are globally competitive. For this
global. Untuk itu, Bank NTT berupaya semaksimal reason, Bank NTT makes every effort to provide the
mungkin untuk menghadirkan pegawai dengan best quality employees with an adequate number,
kualitas terbaik dengan jumlah yang memadai, according to the needs of the company.
sesuai dengan kebutuhan perusahaan.
Per 31 Desember 2024, jumlah pegawai Bank NTT As of December 31, 2024, the number of Bank NTT
tercatat sebanyak 2.053 orang atau mengalami employees was recorded at 2,053 people or an
penambahan sebesar 3.95% persen dibanding increase of 3.95% compared to 2023 with a total
tahun 2023 dengan jumlah pegawai sebanyak 1.975 of 1,975 employees. The increase in the number of
orang. Kenaikan jumlah karyawan di Tahun 2024 ini employees in 2024 was due to the opening of new
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BANK NTT Laporan Keberlanjutan 2024
dikarenakan adanya pembukaan lowongan pegawai employee vacancies. Complete information about
baru. Informasi tentang pegawai selengkapnya employees is presented in the following table:
disajikan dalam tabel berikut :
Komposisi Pegawai Berdasarkan Jenis Kelamin
Employee Composition Based on
Jenis Kelamin
2021 2022 2023 2024
Gender
Laki-laki
953 969 964 979
Male
Perempuan
960 1016 1011 1.074
Female
Jumlah
1.913 1.985 1.975 2.053
Total
Komposisi Pegawai Berdasarkan Status Kepegawaian
Employee Composition Based on Status
Status Pegawai
2021 2022 2023 2024
Employee Status
Pegawai Tetap
1.508 1.549 1.569 1.811
Permanent Employees
Pegawai Bulanan
32 3 0 1
Monthly Employee
Pegawai Kontrak
373 433 406 241
Contract Employee
Jumlah
1.913 1.985 1.975 2.053
Total
Komposisi Pegawai Berdasarkan Kelompok Usia
Employee Composition by Group
Usia Pegawai
2021 2022 2023 2024
Employee Age
50 – 59 99 106 108 109
40 – 49 325 343 384 441
30 – 39 882 917 940 930
20 – 29 598 608 543 572
17 – 19 9 11 0 1
Jumlah
1.693 1.985 1.975 2.053
Total
Komposisi Pegawai Berdasarkan Level Organisasi
Employee Composition Based on Level
Jabatan
2021 2022 2023 2024
Position
Kepala Divisi
15 14 13 16
Head of Division
Wakil Kepala Divisi
2 2 2 2
Deputy Head of Division
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Komposisi Pegawai Berdasarkan Level Organisasi
Employee Composition Based on Level
Jabatan
2021 2022 2023 2024
Position
Dana Pensiun
1 1 1 1
Pension Fund
Pemimpin Cabang
31 25 22 23
Branch Manager
Wakil Pemimpin cabang
29 26 25 21
Vice Branch Manager
Kepala ULP
1 1
Head of ULP
Kepala Sub Divisi
67 62 61 58
Head of Sub Division
Supervisi Kredit Cabang
27 27
Branch Credit Supervision
Supervisi Dana Cabang
23 23
Branch Fund Supervision
Supervisi Pelayanan Cabang
2 2
Branch Service Supervision
Supervisi Administrasi Keuangan&Akuntansi
Cabang
2 2
Branch Finance&Accounting Administration
Supervision
Supervisi Pelayanan & Kas Cabang
Pembantu 3 3
Supervision of Sub-Branch Services & Cash
Supervisi IT
1 1
IT Supervision
Supervisi Umum
1 1
General Supervision
Supervisi Jasa
1 1
Supervision Services
Pemimpin Cabang Pembantu
46 41 46 46
Branch Manager
Wakil Pemimpin cabang pembantu
44 39 39 44
Vice Branch Manager
Kepala Kantor Kas Titipan BI
1 8 5 5
Head of BI Deposit Cash Office
Officer
110 106 43 47
Office
Sekretaris
7 6
Secretary
Kepala Kantor Fungsional
76 75 117 128
Head of Functional Office
Kepala USPD
54 54 0 0
Head of USPD
Head teller
32 28 28 28
Head teller
Pejabat fungsional
54 59 115 122
Functional official
Auditor internal
14 14 13
Internal auditor
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BANK NTT Laporan Keberlanjutan 2024
Komposisi Pegawai Berdasarkan Level Organisasi
Employee Composition Based on Level
Jabatan
2021 2022 2023 2024
Position
Internal control/Risk Control
35 34 36
Internal control/Risk Control
Staf Direksi
16 15
Board of Directors Staff
Pelaksana
1.302 1397 1374 1381
Executive
Jumlah
1.913 1.985 1.975 2.053
Total
Komposisi Pegawai Berdasarkan Tingkat Pendidikan
Employee Composition Based on Level
Tingkat Pendidikan
2021 2022 2023 2024
Education Level
Pasca Sarjana
58 66 74 74
Postgraduate
Sarjana
1.307 1.381 1375 1.460
Bachelor
Sarjana Muda
108 110 118 130
Bachelor
SLTA
433 421 402 386
High School
SLTP
4 4 4 3
SLTP
SD
3 3 2 -
Junior School
Jumlah
1.913 1.985 1.975 2.053
Total
Komposisi Pegawai Berdasarkan Masa Kerja
Employee Composition Based onLength of Service
Masa Kerja
2021 2022 2023 2024
Length of Service
0–5 1.249 605 617 643
6 – 10 65 665 450 510
11 – 15 291 442 627 618
16 – 20 125 184 180 173
21 – 25 130 23 49 67
26 – 30 53 50 30 27
>30 0 16 22 15
Jumlah
1.913 1.985 1.975 2.053
Total
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Informasi Kepemilikan Saham [GRI 102-5,
GRI 102-45]
Share Ownership Information [GRI 102-5, GRI 102-45]
Saham Bank NTT
Bank NTT Share
SAHAM SERI A SAHAM SERI B
Series A Shares Series B Shares
99,92% 0,08%
PEMPRON NTT KOTA KUPANG PEMKAB SE NTT
PEMPROV NTT KUPANG CITY PEMKAB SE NTT
27,81% 5,63% 66,48%
Hingga 31 Desember 2024, Perusahaan tidak Until December 31, 2024, the Company does not
memiliki anak perusahaan, namun per Desember have any subsidiaries, but as of December, Bank
Bank NTT telah melakukan Shareholder Agreement NTT has entered into a Shareholder Agreement
(SHA) dengan Bank Jatim terkait Kerjasama untuk (SHA) with Bank Jatim regarding Cooperation for
Kelompok Usaha Bank (KUB) terkait modal inti yang Bank Business Groups (KUB) related to core capital
merupakan pemenuhan dari Peraturan OJK Nomor which is a fulfillment of OJK Regulation Number
12/POJK.03/2020 Tentang Konsolidasi Bank Umum. 12/POJK.03/2020 Concerning Consolidation of
Bank NTT memiliki penyertaan saham Seri B yang Commercial Banks. Bank NTT has Series B share
kepemilikannya perorangan sebesar 0,06% yakni : participation with individual ownership of 0.06%,
Tuan Charles Amos Corputty sebesar 0,045%, Tuan namely: Mr. Charles Amos Corputty of 0.045%, Mr. L.
L. O. Wila Huky sebesar 0.011% dan Tuan Johan O. Wila Huky of 0.011% and Mr. Johan Christian Tallo
Christian Tallo sebesar 0,006%. Kepemilikan saham of 0.006%. Bank NTT’s share ownership consists of
Bank NTT terdiri dari 24.83% dimiliki oleh Pemerintah 24.83% owned by the East Nusa Tenggara Provincial
Provinsi Nusa Tenggara Timur, sementara sisanya Government, while the rest is owned by the Kupang
dimiliki oleh Pemerintah Kota Kupang sebesar 5,91% City Government of 5.91% and the NTT Regency
dan Pemerintah Kabupaten se-NTT sebesar 69,20%. Government of 69.20%..
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78 BANK NTT Laporan Keberlanjutan 2024 Pangsa Pasar [GRI 102-6] Market Share [GRI 102-6] Komitmen Perusahaan dalam mengutamakan The Company’s commitment to prioritizing service pelayanan kepada masyarakat terbukti dengan to the community is evidenced by the trust of the adanya kepercayaan dari masyarakat, terutama public, especially the people of NTT, in Bank NTT as masyarakat NTT kepada Bank NTT sebagai entitas a leading banking entity that has a good reputation perbankan terkemuka yang memiliki reputasi and prudential banking principles. In addition, various baik dan berprinsip prudential banking. Selain awards and certifications obtained by Bank NTT as itu, berbagai penghargaan dan sertifikasi yang one of the BPDs also reflect Bank NTT’s position in the diperoleh Bank NTT sebagai salah satu BPD turut regional banking industry which has a good financial mencerminkan kedudukan Bank NTT di industri and operational reputation. perbankan daerah yang memiliki reputasi keuangan maupun operasional yang baik. Pada tahun 2024, Bank NTT berhasil mencatatkan In 2024, Bank NTT successfully recorded a DPK market pangsa pasar DPK sebesar 34,21% dan pangsa pasar share of 34.21% and a credit market share of 25.10%. kredit sebesar 25,10%. Dalam menjalankan usahanya, In running its business, Bank NTT has an operational Bank NTT memiliki wilayah operasional yang area covering the NTT Province and Surabaya meliputi wilayah Provinsi NTT dan Kota Surabaya. City. Bank NTT always serves general customers by Bank NTT senantiasa melayani nasabah umum implementing the provisions and regulations issued dengan menerapkan ketentuan dan peraturan yang by the Financial Services Authority. dikeluarkan oleh Otoritas Jasa Keuangan. Guna mengoptimalkan pangsa pasar yang telah In order to optimize the market share that has been dimiliki, Bank NTT berkomitmen untuk terus bergerak owned, Bank NTT is committed to continuing to move dalam meningkatkan implementasi prinsip kehati- in improving the implementation of the prudential hatian dalam setiap kegiatan usaha dan lini principle in every business activity and line of bisnisnya serta senantiasa menerapkan berbagai business and always implementing various strategic langkah strategis yang telah ditetapkan Perusahaan steps that have been set by the Company at the pada awal tahun. beginning of the year.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Wilayah Operasional [GRI 102-3, GRI 102-4]
Operational Area [GRI 102-3, GRI 102-4]
Bank NTT memiliki wilayah operasional yang Bank NTT has an operational area that covers all
mencakup seluruh kota dan kabupaten di NTT dan cities and districts in NTT and Surabaya City, East
Kota Surabaya Jawa Timur. Kantor Pusat Bank NTT Java. The Head Office of Bank NTT is located at
beralamat di Jalan W. J. Lalamentik No. 102 Kupang- Jalan W. J. Lalamentik No. 102 .
NTT.
Wilayah Operasional Bank NTT
Operational Area of Bank NTT
Kabupaten/Kota Kantor
No
District/City Office
1 Kota Kupang Kantor Cabang Utama
Kota Kupang Main Branch Office
Kantor Cabang Khusus
Special Branch Office
2 Kabupaten Kupang Cabang Oelamasi
Kabupaten Kupang Oelamasi Branch
3 Timor Tengah Selatan Cabang SoE
Timor Tengah Selatan SoE Branch
4 Timor Tengah Utara Cabang Kefamenanu
Timor Tengah Utara Kefamenanu Branch
5 Belu Cabang Atambua
Atambua Branch
6 Malaka Cabang Betun
Betun Branch
7 Alor Cabang Kalabahi
Kalabahi Branch
8 Rote Ndao Cabang Rote
Rote Branch
9 Sabu Raijua Cabang Sabu
Sabu Branch
10 Sumba Timur Cabang Waingapu
East Sumba Waingapu Branch
11 Sumba Barat Cabang Waikabubak
West Sumba Waikabubak Branch
12 Sumba Tengah Cabang Anakalang
Central Sumba Anakalang Branch
13 Sumba Barat Daya Cabang Waitabula
Southwest Sumba Waitabula Branch
14 Manggarai Barat Cabang Labuan Bajo
West Manggarai Labuan Bajo Branch
15 Manggarai Cabang Ruteng
Ruteng Branch
16 Manggarai Timur Cabang Borong
East Manggarai Borong Branch
17 Ngada Cabang Bajawa
Bajawa Branch
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BANK NTT Laporan Keberlanjutan 2024
Wilayah Operasional Bank NTT
Operational Area of Bank NTT
Kabupaten/Kota Kantor
No
District/City Office
18 Nagekeo Cabang Mbay
Mbay Branch
19 Ende Cabang Ende
Ende Branch
20 Sikka Cabang Maumere
Maumere Branch
21 Flores Timur Cabang Larantuka
East Flores Larantuka Branch
22 Lembata Cabang Lewoleba
Lewoleba Branch
23 Kota Surabaya Cabang Surabaya
Surabaya City Surabaya Branch
Perkembangan Jumlah Jaringan Kantor
Development of Office Network
Jaringan Kantor
No 2021 2022 2023 2024
Office Network
1 Kantor Pusat
1 1 1 1
Head Office
2 Kantor Cabang Utama
1 1 1 1
Main Branch Office
3 Kantor Cabang Khusus
1 1 1 1
Special Branch Office
4 Kantor Cabang
22 22 21 21
Branch Office
5 Kantor Cabang Pembantu
42 44 46 46
Sub-Branch Office
6 Kantor Fungsional
122 122 116 117
Functional Office
8 Payment Point
19 20 25 26
Payment Point
9 Kas Mobil
13 8 8 8
Car Cash
Jumlah
221 219 219 221
Jumlah
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Keanggotaan Asosiasi [GRI 102-13]
Associate Membership [GRI 102-13]
Posisi di Asosiasi
Nama Asosiasi Lingkup
Position in the
Association Name Scope
Association
Otoritas Jasa Keuangan Anggota Nasional
Financial Services Authority Member National
Bank Indonesia Anggota Nasional
Bank Indonesia Member National
Asosiasi Bank Pembangunan Daerah (ASBANDA) Anggota Nasional
Asosiasi Bank Pembangunan Daerah (ASBANDA) Member National
Perbanas Anggota Nasional
Perbanas Member National
Badan Musyawarah Perbankan Daerah (BMPD) Anggota Regional
Regional Banking Consultative Body (BMPD) Member Regional
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Ketua Regional
Banking Compliance Director Communication Forum (FKDKP) Chairman Regional
APEX BPR Ketua Regional
APEX BPR Chairman Regional
Jaringan ATM Bersama Anggota Nasional
ATM Bersama Network Member National
Forum Komunikasi Lembaga Jasa Keuangan (FKLJK) Ketua Regional
Financial Services Institutions Communication Forum (FKLJK) Chairman Regional
Pangsa Pasar Bank NTT (2023)
Bank NTT Market Share (2023)
34,21%
Pangsa pasar Dana
25,10%
Pangsa pasar Kredit
Pihak Ketiga (DPK) Credit market share
Third party funds (DPK)
market share)
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BANK NTT Laporan Tahunan
Keberlanjutan
2024 2024
Tata Kelola
Berkelanjutan
Sustainable Governance
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2024 Annual
Sustainability
ReportReport Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Page 86
84 BANK NTT Laporan Keberlanjutan 2024 TATA KELOLA BERKELANJUTAN Sustainable Governance Bank NTT secara konsisten menerapkan prinsip-prinsip Good Corporate Governance (GCG) dalam seluruh aktivitas bisnis, melakukan assessment berkala untuk memastikan efektivitas tata kelola, serta memiliki struktur tata kelola yang jelas mencakup RUPS, Dewan Komisaris, Direksi, dan berbagai komite pendukung. Bank juga aktif mengembangkan kompetensi organ tata kelola melalui pelatihan dan workshop reguler, serta mengintegrasikan prinsip keberlanjutan dalam pengambilan keputusan bisnis dan manajemen risiko. Bank NTT secara konsisten menerapkan prinsip-prinsip Good Corporate Governance (GCG) dalam seluruh aktivitas bisnis, melakukan assessment berkala untuk memastikan efektivitas tata kelola, serta memiliki struktur tata kelola yang jelas mencakup RUPS, Dewan Komisaris, Direksi, dan berbagai komite pendukung. Bank juga aktif mengembangkan kompetensi organ tata kelola melalui pelatihan dan workshop reguler, serta mengintegrasikan prinsip keberlanjutan dalam pengambilan keputusan bisnis dan manajemen risiko. Sebagai salah satu Badan Usaha Milik Daerah, Bank As one of the Regional-Owned Enterprises, Bank NTT senantiasa mengedepankan keberadaan tata NTT always prioritizes the existence of corporate kelola perusahaan melalui implementasi prinsip- governance through the implementation of Good prinsip Good Corporate Governance (GCG) ke dalam Corporate Governance (GCG) principles into all seluruh lini bisnis usaha. Tata kelola perusahaan lines of business. Corporate governance acts as berperan sebagai pengatur keseimbangan dari a regulator of the balance of functions and roles fungsi serta peran antara pemegang saham dan between shareholders and stakeholders in the pemangku kepentingan dalam aktivitas bisnis Company’s business activities. The Company Perusahaan. Perusahaan menyelenggarakan tata organizes governance in operational activities based kelola dalam aktivitas operasional berdasarkan on best practices principles as a form of compliance prinsip best practices sebagai bentuk kepatuhan with applicable laws and regulations, as a tangible terhadap peraturan perundang-undangan manifestation of the Company’s responsibility to yang berlaku, sebagai wujud nyata tanggung achieve the Company’s vision, mission and objectives, jawab Perusahaan untuk mencapai visi, misi, and as a form of the Company’s efforts to fulfill the dan tujuan Perusahaan, serta sebagai bentuk interests of shareholders and stakeholders. Therefore, upaya Perusahaan dalam memenuhi kepentingan Bank NTT always moves to increase its commitment pemegang saham dan pemangku kepentingan. to the implementation of GCG in every business Oleh karena itu, Bank NTT senantiasa bergerak untuk activity carried out at all levels of the company’s
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
meningkatkan komitmen dalam penerapan GCG di organization.
setiap aktivitas usaha yang dijalankan di seluruh
lapisan organisasi perusahaan.
Penerapan GCG kian menemukan nilai penting The implementation of GCG is increasingly finding
di tengah semakin meningkatnya harapan dari importance in the midst of increasing expectations
para pemangku kepentingan terhadap kinerja from stakeholders on the performance of Bank NTT.
Bank NTT. Untuk mendapatkan hasil terbaik, selain To get the best results, in addition to implementing
menerapkan GCG, Bank NTT juga secara berkala GCG, Bank NTT also periodically conducts
melakukan assesment untuk mengetahui tingkat assessments to determine the level of success of GCG
keberhasilan penerapan GCG, sekaligus mengetahui implementation, as well as to identify shortcomings
kekurangannya sehingga bisa dilakukan upaya so that efforts can be made to improve it.
untuk memperbaikinya.
Sistem tata kelola yang baik menuntut pelaksanaan A good governance system requires the
prinsip-prinsip GCG dalam proses manajerial Bank. implementation of GCG principles in the Bank’s
Kebutuhan akan pelaksanaan good governance managerial process. The need for the implementation
dalam organisasi sudah merupakan kebutuhan of good governance in the organization is an urgent
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BANK NTT Laporan Keberlanjutan 2024
mendesak bagi manajemen Bank. Kebijakan good need for the Bank’s management. Good governance
governance harus memiliki perspektif yang luas, policies must have a broad, comprehensive and
komprehensif dan terintegrasi sehingga bisa menjadi integrated perspective so that they can become
pedoman yang dapat diandalkan. reliable guidelines.
Dengan penerapan GCG yang tepat, sesuai With the proper implementation of GCG, in
dengan perundangan-undangan yang berlaku dan accordance with applicable laws and regulations
sesui standard dan prosedur yang ada, Bank NTT and in accordance with existing standards and
optimistis akan mampu menjawab tantangan dan procedures, Bank NTT is optimistic that it will be able to
tuntutan dari pemangku kepentingan. Lebih dari itu, answer the challenges and demands of stakeholders.
dengan penerapan GCG, Bank NTT akan mampu More than that, with the implementation of GCG,
bertahan menghadapi tantangan dan semakin Bank NTT will be able to survive the challenges and
berkembang dan berkelanjutan pada masa-masa grow and be sustainable in the future.
mendatang
Prinsip-Prinsip Tata Kelola Governance Principles
Penerapan GCG di Bank NTTdilakukan secara The implementation of GCG at Bank NTT is carried
konsisten dan berkelanjutan dengan berpedoman out consistently and continuously by referring to the
pada ketentuan tata kelola yang berlaku di Bank NTT. applicable governance provisions at Bank NTT. The
Implementasi GCG oleh segenap insan Bank NTT implementation of GCG by all personnel of Bank NTT
tak lepas dari tekad yang kuat dalam menerapkan cannot be separated from a strong determination
prinsip-prinsip tata kelola yang baik antara lain: to apply the principles of good governance, among
others:
Prinsip-Prinsip Tata Kelola Uraian
Governance Principles Description
Transparansi Prinsip ini mengacu pada keterbukaan dalam mengemukakan informasi yang material
Transparency dan relevan serta keterbukaan dalam proses pengambilan keputusan. Informasi harus
diungkapkan secara tepat waktu dan akurat.
This principle refers to openness in disclosing material and relevant information and
openness in the decision-making process. Information should be disclosed in a timely and
accurate manner.
Akuntabilitas Akuntabilitas yaitu kejelasan fungsi dan pelaksanaan pertanggungjawaban organ
Accountability Bank sehingga pengelolaannya berjalan secara efektif. Manajemen Bank harus memiliki
kewenangan kewenangan beserta kewajiban-kewajiban yang harus dipenuhi kepada
pemegang saham dan stakeholder lainnya. Dewan Direksi harus bertanggung jawab atas
keberhasilan Bank dalam mencapai tujuan yang telah ditetapkan oleh pemegang saham.
Komisaris bertanggung jawab atas pengawasan dan wajib memberikan nasihat kepada
Direksi atas pengelolaan Bank sehingga tujuan Bank dapat tercapai. Pemegang saham
bertanggungjawab atas keberhasilan pembinaan dalam rangka pengelolaan Bank.
Accountability is the clarity of the function and implementation of the responsibility of the
Bank's organs so that its management runs effectively. The Bank's management must have
the authority and obligations that must be fulfilled to shareholders and other stakeholders.
The Board of Directors must be responsible for the success of the Bank in achieving the
objectives set by the shareholders. The Board of Commissioners shall be responsible for the
supervision and shall provide advice to the Board of Directors on the management of the
Bank so that the Bank's objectives can be achieved. Shareholders are responsible for the
successful guidance in the management of the Bank.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Prinsip-Prinsip Tata Kelola Uraian
Governance Principles Description
Pertanggungjawaban Pertanggungjawaban yaitu kesesuaian pengelolaan Bank dengan ketentuan yang berlaku
Responsibility dan prinsip-prinsip pengelolaan Bank yang sehat. Prinsip ini menuntut manajemen Bank
melakukan kegiatan secara bertanggung jawab. Manajemen Bank harus menghindari
segala biaya transaksi yang berpotensi merugikan pihak ketiga maupun pihak lain di luar
ketentuan yang telah disepakati.
Accountability is the conformity of the Bank's management with applicable regulations and
the principles of sound Bank management. This principle requires the Bank's management
to carry out activities responsibly. Bank management must avoid all transaction costs that
have the potential to harm third parties and other parties outside the agreed provisions.
Kemandirian Prinsip ini mengacu pada pengelolaan Bank secara professional tanpa pengaruh/tekanan
Independency dari pihak manapun. Prinsip ini menuntut para pengelola Bank agar dapat bertindak secara
mandiri sesuai peran dan fungsi yang dimiliki, tanpa ada tekanan dari pihak manapun yang
tidak sesuai dengan system operasional Bank yang berlaku.
This principle refers to the professional management of the Bank without influence/pressure
from any party. This principle requires the Bank's managers to be able to act independently
according to their roles and functions, without any pressure from any party that is not in
accordance with the applicable Bank operational system.
Kewajaran Kewajaran yaitu keadilan dan kesetaraan dalam memenuhi hak-hak stakeholder yang
Fairness timbul berdasarkan perjanjian dan peraturan perundangundangan yang berlaku. Bank
dilarang melakukan praktik-praktik tercela yang dilakukan oleh orang dalam yang
merugikan pihak lain. Setiap anggota Direksi harus melakukan keterbukaan jika menemukan
transaksi-transaksi yang mengandung benturan kepentingan.
Fairness is justice and equality in fulfilling the rights of stakeholders arising based on
agreements and applicable laws and regulations. The Bank is prohibited from engaging in
despicable practices committed by insiders that harm other parties. Each member of the
Board of Directors must make disclosure if they find transactions that contain conflicts of
interest.
Struktur Tata Kelola [102- Governance Structure [102-
18] 18]
Undang-Undang Republik Indonesia Nomor 40 Law of the Republic of Indonesia Number 40 of 2007
tahun 2007 tentang Perseroan Terbatas (UU PT) concerning Limited Liability Companies (PT Law)
menyebutkan bahwa Organ Perseroan terdiri dari states that the Company’s organs consist of the
Rapat Umum Pemegang Saham (RUPS), Dewan General Meeting of Shareholders (GMS), the Board
Komisaris dan Direksi. Dewan Komisaris dan Direksi of Commissioners and the Board of Directors. The
memiliki wewenang dan tanggung jawab yang jelas Board of Commissioners and Board of Directors have
sesuai fungsinya masing-masing sebagaimana clear authorities and responsibilities in accordance
diamanahkan dalam Anggaran Dasar dan peraturan with their respective functions as mandated in the
perundang-undangan. Untuk memaksimalkan fungsi Articles of Association and laws and regulations.
pengawasan, Dewan Komisaris dibantu oleh organ To maximize the supervisory function, the Board of
pendukung berupa Komite Audit, Komite Remunerasi Commissioners is assisted by supporting organs
dan Nominasi, Komite Pemantau Risiko,. Sementara such as the Audit Committee, Remuneration
itu, Direksi dibantu oleh Komite di bawah Direksi, and Nomination Committee, and Risk Monitoring
yakni Komite Informasi Teknologi, Komite Manajemen Committee. Meanwhile, the Board of Directors is
Risiko, Komite ALCO, Komite Kredit dan Komite SDM. assisted by Committees under the Board of Directors,
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BANK NTT Laporan Keberlanjutan 2024
Dalam rangka mendukung keberlanjutan usaha, Bank namely the Information Technology Committee,
NTT menyakini pentingnya penerapan tata kelola Risk Management Committee, ALCO Committee,
perusahaan yang konsisten pada setiap tingkatan Credit Committee and HR Committee. In order to
organisasi dan setiap aktivitas perusahaan. Bank support business sustainability, Bank NTT believes
NTT memiliki struktur dan infrastruktur tata kelola in the importance of consistent implementation
perusahaan yang berperan untuk mendukung of corporate governance at every level of the
penerapan tata kelola berkelanjutan. Termasuk organization and every activity of the company.
dalam struktur tata kelola perusahaan adalah Bank NTT has a corporate governance structure
Dewan Komisaris, Direksi, Komite dan Satuan Kerja. and infrastructure that plays a role in supporting the
Adapun yang termasuk dalam infrastruktur tata implementation of sustainable governance. Included
kelola bank antara lain kebijakan dan prosedur bank, in the corporate governance structure are the Board
sistem informasi manajemen, serta tugas pokok dan of Commissioners, Board of Directors, Committees
fungsi (tupoksi) masing-masing struktur organisasi. and Work Units. Those included in the bank’s
governance infrastructure include bank policies
and procedures, management information systems,
and the main tasks and functions (tupoksi) of each
organizational structure.
RUPS
GENERAL MEETINGS OF
SHAREHOLDERS
DEWAN
KOMISARIS DIREKSI
Board of Board of Directors
Commissioners
ORGAN PENDUKUNG ORGAN PENDUKUNG
Supporting Organs Supporting Organs
• Komite Audit • Komite IT
• Komite Pemantau Risiko • Komite Manajemen Risiko
• Komite Remunerasi & • Komite ALCO
Nominasi • Komite SDM
• Audit Committee • IT Committee
• Risk Monitoring Committee • Risk Management Committee
• Remuneration & Nomination • ALCO Committee
Committee • HR Committee
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Komposisi Tata Kelola Berkelanjutan
Governance Composition
Rapat Umum Pemegang General Meeting of
Saham (RUPS) Shareholders (GMS)
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is the
Organ tertinggi Perusahaan yang mempunyai highest organ of the Company that has authority
wewenang yang tidak diberikan kepada Direksi that is not granted to the Board of Directors or the
atau Dewan Komisaris dalam batas yang ditentukan Board of Commissioners within the limits set forth in
dalam Undang-Undang tentang Perseroan the Law on Limited Liability Companies and/or the
Terbatas dan/atau Anggaran Dasar Perusahaan. Company’s Articles of Association. The organization
Penyelenggaraan RUPS di Bank NTT dilaksanakan of the GMS at Bank NTT is carried out in a reasonable,
secara wajar, transparan dan memperhatikan hak- transparent manner and takes into account the
hak pemegang saham sebagaimana diatur dalam rights of shareholders as stipulated in the Company’s
Anggaran Dasar Perusahaan. Articles of Association.
RUPS terdiri atas RUPS Tahunan dan RUPS lainnya. GMS consists of Annual GMS and other GMS. The
RUPS Tahunan wajib diadakan dalam jangka waktu Annual GMS must be held no later than 6 (six) months
paling lambat 6 (enam) bulan setelah tahun buku after the financial year ends. Meanwhile, other GMS,
berakhir. Sementara itu, RUPS lainnya, yang lazim commonly referred to as Extraordinary GMS, can be
disebut sebagai RUPS Luar Biasa, dapat diadakan held at any time based on the need for the interests
setiap waktu berdasarkan kebutuhan untuk of Bank NTT.
kepentingan Bank NTT.
Selama tahun 2024, Bank NTT menyelenggarakan 2 During 2024, Bank NTT will hold 2 (two) GMS which will
(dua) kali RUPS yang diselenggarakan pada Tanggal be held on May 8, 2024 with the agenda of Annual
08 Mei 2024 dengan agenda RUPS Tahunan (RUPST) GMS (AGMS) and Extraordinary GMS (EGMS-LB) and
dan RUPS Luar Biasa (RUPS-LB) dan Tanggal 16 November 16, 2024 with the agenda of Extraordinary
November 2024 dengan agenda RUPS Luar Biasa GMS (EGMS-LB).
(RUPS-LB).
Dewan Komisaris Board of Commissioners
Dewan Komisaris merupakan organ perseroan yang The Board of Commissioners is a corporate organ
secara kolektif bertugas melakukan pengawasan that is collectively tasked with carrying out general
secara umum dan/atau khusus sesuai dengan and/or specific supervision in accordance with the
Anggaran Dasar serta memberikan nasehat kepada Articles of Association and providing advice to the
Direksi. Dewan Komisaris tidak turut serta dalam Board of Directors. The Board of Commissioners
mengambil keputusan operasional. Kedudukan does not participate in making operational
masing–masing anggota Dewan Komisaris termasuk decisions. The position of each member of the
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BANK NTT Laporan Keberlanjutan 2024
Komisaris Utama adalah setara. Dewan Komisaris Board of Commissioners, including the President
diangkat dan diberhentikan oleh RUPS. Commissioner, is equal. The Board of Commissioners
is appointed and dismissed by the GMS.
Berdasarkan Anggaran Dasar Bank, tugas utama Based on the Bank’s Articles of Association, the
Dewan Komisaris adalah bertanggung jawab main task of the Board of Commissioners is to be
melakukan pengawasan atas kebijakan pengurusan, responsible for supervising management policies, the
jalannya pengurusan pada umumnya, baik course of management in general, both regarding
mengenai perseroan maupun usaha Perseroan, dan the company and the Company’s business, and
memberi nasihat kepada Direksi untuk kepentingan providing advice to the Board of Directors for the
Bank agar sesuai dengan maksud dan tujuan interests of the Bank so that it is in accordance with
Bank, menerapkan dan memastikan pelaksanaan the Bank’s intent and objectives, implementing and
manajemen risiko dan prinsip – prinsip Tata Kelola ensuring the implementation of risk management and
dalam setiap kegiatan usaha perseroan pada Governance principles in every business activity of
seluruh tingkatan atau jenjang organisasi, dan the company at all levels or levels of the organization,
dalam pelaksanaan tugasnya dilakukan secara and in carrying out its duties independently.
independen.
Hingga 31 Desember 2024, susunan dan komposisi Until December 31, 2024, the composition of the
Dewan Komisaris Bank NTT terdiri dari 1 (satu) orang, Board of Commissioners of Bank NTT consists of 1
yaitu Komisaris Independen. Adapun informasi (one) person, namely the Independent Commissioner.
mengenai susunan, dasar pengangkatan, dan Information regarding the composition, basis of
periode jabatan dimuat dalam tabel berikut : appointment, and term of office is contained in the
following table:
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Frans Gana Komisaris Keputusan Gubernur Nusa Tenggara Timur/ Pemegang Saham 16 November
Independen Pengendali PT. Bank Pembangunan Daerah Nusa Tenggara 2024 - 10 Juni
Independent Timur Nomor: 387KEP/HK/2024 Tanggal 16 November 2024 2029
Commissioner Tentang Pengangkatan Saudara Frans Gana sebagai Komisaris November 16,
Independen PT. Bank NTT Masa Bakti 16 November 2024-10 Juni 2024 - June 10,
2029 2029
Decree of the Governor of East Nusa Tenggara/Controlling
Shareholder of PT. Bank Pembangunan Daerah Nusa Tenggara
Timur Number: 387KEP/HK/2024 Dated November 16, 2024
Concerning the Appointment of Mr. Frans Gana as Independent
Commissioner of PT. Bank NTT Term of Service November 16,
2024-June 10, 2029
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Direksi Directions
Sebagaimana diatur dalam Undang-Undang As stipulated in Law Number 40 of 2007 concerning
Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Limited Liability Companies, the Board of Directors is
Direksi merupakan salah satu organ tertinggi dalam one of the highest organs in the Company that carries
Perusahaan yang menjalankan fungsi pengurusan out the functions of managing and administering the
dan pengelolaan Perusahaan dan melaksanakan Company and implementing GCG principles in all
prinsip-prinsip GCG di seluruh kegiatan usaha dan business activities and all levels of the organization.
seluruh jenjang organisasi.
Guna membantu pelaksanaan tugas dan tanggung In order to assist in the implementation of its duties
jawabnya, Direksi membentuk komite-komite, yakni, and responsibilities, the Board of Directors has formed
Komite Teknologi Informasi, Komite Kredit, Komite committees, namely, the Information Technology
ALCO, Komite SDM. Informasi lebih rinci mengenai Committee, the Credit Committee, the ALCO
tugas dan tanggung jawab Direksi, penilaian Committee, and the HR Committee. More detailed
terhadap kinerja Direksi beserta Komite-komitenya. information regarding the duties and responsibilities of
the Board of Directors, assessment of the performance
of the Board of Directors and its Committees..
Tugas, Wewenang dan Duties, Authorities and
Tanggungjawab Direksi Responsibilities of
Dalam mengelola perusahaan, Direksi senantiasa In managing the company, the Board of Directors
berpedoman pada Surat Keputusan Direksi PT. always refers to the Decree of the Board of Directors of
Bank Pembangunan Daerah Nusa Tenggara Timur PT. Bank Pembangunan Daerah Nusa Tenggara Timur
Nomor: 123 Tahun 2012 tentang Pembagian Tugas, Number: 123 of 2012 concerning the Division of Duties,
Wewenang dan Tata Tertib Kerja Direksi PT Bank Authorities and Work Rules of the Board of Directors of
Pembangunan Daerah Nusa Tenggara Timur. PT Bank Pembangunan Daerah Nusa Tenggara Timur.
Dengan berpedoman pada ketentuan tersebut, By referring to these provisions, the implementation of
pelaksanaan tugas Direksi sebagai organ perseroan the duties of the Board of Directors as a company organ
yang bertanggungjawab penuh atas pengurusan that is fully responsible for managing the company for
perseroan untuk kepentingan dan tujuan perseroan, the interests and objectives of the company, as well as
serta mewakili perseroan baik di dalam maupun di representing the company both inside and outside the
luar pengadilan sesuai dengan ketentuan Anggaran court in accordance with the provisions of the Articles
Dasar, dapat berjalan baik dan optimal. of Association, can run well and optimally.
Pelaksanaan tugas dan tanggung jawab Direksi The implementation of the duties and responsibilities
telah dilaksanakan dengan prinsip kolegial, yaitu of the Board of Directors has been carried out with a
bahwa masing-masing Direktur dapat bertindak collegial principle, namely that each Director can act
dan mengambil keputusan sesuai dengan hak dan and make decisions in accordance with his/her rights
wewenangnya. Selain dari hak dan wewenang and authorities. In addition to the rights and authorities
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BANK NTT Laporan Keberlanjutan 2024
tersebut di atas, Direksi juga mempunyai hak dan mentioned above, the Board of Directors also has other
wewenang lainnya berkaitan dengan pengurusan rights and authorities related to the management of
Bank NTT sesuai dengan Anggaran Dasar, ketetapan Bank NTT in accordance with the Articles of Association,
RUPS, dan peraturan perundang – undangan yang GMS provisions, and applicable laws and regulations.
berlaku. Namun, pelaksanaan tugas oleh masing – However, the implementation of duties by each Director
masing Direktur tetap merupakan tanggungjawab remains a shared responsibility.
bersama.
Hingga 31 Desember 2024, susunan dan komposisi Until December 31, 2024, the composition of the Board
Direksi Bank NTT terdiri dari 3 (tiga) orang, di mana of Directors of Bank NTT consists of 3 (three) people, one
salah satunya menjabat sebagai Pelaksana Tugas of whom serves as Acting President Director. Information
Direktur Utama. Adapun informasi mengenai regarding the composition, basis of appointment, and
susunan, dasar pengangkatan, dan periode jabatan term of office is contained in the following table:
dimuat dalam tabel berikut :
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Yohanis Landu Plt.Direktur Keputusan Gubernur Nusa Tenggara Timur/ Pemegang Saham Berakhir
Praing Utama & Pengendali PT. Bank NTT Nomor: 174/KEP/HK/2024 Tanggal setelah adanya
Direktur TI dan 08 Mei 2024 tentang Pengangkatan Saudara Yohanis Landu penetapan
Operasional) Praing (Direktur Teknologi Informasi dan Operasional Perseroan dan pelantikan
Acting President Terbatas Bank Pembangunan Daerah Nusa Tenggara Timur) Direktur Utama
Director & IT Sebagai Pelaksana Tugas Direktur Utama Perseroan Terbatas definitif oleh
and Operations Bank Pembangunan Daerah Nusa Tenggara Timur; Pemegang
Director) Decree of the Governor of East Nusa Tenggara/Controlling Saham
Shareholder of PT. Bank NTT Number: 174/KEP/HK/2024 Dated Pengendali
May 8, 2024 concerning the Appointment of Mr. Yohanis Landu Ends after the
Praing (Director of Information Technology and Operations of appointment
the Limited Liability Company of the Regional Development and inauguration
Bank of East Nusa Tenggara) as Acting President Director of the of the definitive
Limited Liability Company of the Regional Development Bank of President
East Nusa Tenggara; Director by
the Controlling
Shareholders
Hilarius Minggu Direktur Dana Keputusan Gubernur Nusa Tenggara Timur/ Pemegang Berakhir
& Treasury / Plt. Saham Pengendali PT. Bank NTT Nomor: 175/KEP/HK/2024 setelah adanya
Direktur Kredit Tanggal 08 Mei 2024 Tentang Pengangkatan Saudara Hilarius penetapan
Director of Minggu (Direktur Dana Dan Treasury Perseroan Terbatas Bank dan pelantikan
Funds & Pembangunan Daerah NTT) Sebagai Pelaksana Tugas Direktur Direktur Kredit
Treasury / Kredit Perseroan Terbatas Bank Pembangunan Daerah Nusa definitif oleh
Acting Director Tenggara Timur Pemegang
of Credit Decree of the Governor of East Nusa Tenggara/Controlling Saham
Shareholder of PT. Bank NTT Number: 175/KEP/HK/2024 Dated Pengendali
May 8, 2024 Concerning the Appointment of Mr. Hilarius Minggu Ends after the
(Director of Funds and Treasury of the Limited Liability Company determination
of the NTT Regional Development Bank) as Acting Director and inauguration
of Credit of the Limited Liability Company of the East Nusa of the definitive
Tenggara Regional Development Bank Credit Director
by the
Controlling
Shareholder
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Nama Jabatan Dasar Pengangkatan Masa Jabatan
Name Position Basis of Appointment Term of Office
Christofel S.M Direktur Keputusan Gubernur Nusa Tenggara Timur / Pemegang 29 Desember
Adoe Kepatuhan Saham Pengendali PT Bank NTT Nomor : 437/KEP/HK/2021 2021–28
Director of Tentang Pengangkatan Saudara Christofel Semuel Melianus Desember 2026
Compliance Adoe sebagai Direktur Kepatuhan Perseroan Terbatas Bank December 29,
Pembangunan Daerah NTT. 2021–December
Decree of the Governor of East Nusa Tenggara / Controlling 28, 2026
Shareholder of PT Bank NTT Number: 437/KEP/HK/2021
Concerning the Appointment of Mr. Christofel Semuel Melianus
Adoe as Compliance Director of the Limited Liability Company
of the NTT Regional Development Bank.
Satuan Kerja Di Bawah Working Unit Under The
Dewan Komisaris Board Of Commissioners
Komite Audit Audit Committee
Komite Audit bertanggungjawab dalam membantu The Audit Committee is responsible for assisting
Dewan Komisaris dalam menjalankan fungsi the Board of Commissioners in carrying out the
pengawasan terhadap kegiatan internal yang supervisory function of internal activities carried
dilaksanakan Direksi atau organ lain dalam out by the Board of Directors or other organs within
Perusahaan. Komite Audit bertanggung jawab the Company. The Audit Committee is responsible
pelaporan kepada dan diangkat serta diberhentikan for reporting to and is appointed and dismissed by
oleh Direktur Utama. Dalam menjaga objektivitas the President Director. In maintaining the objectivity
audit yang dilakukan, seluruh anggota Komite Audit of the audit, all members of the Audit Committee
tidak memiliki hubungan afiliasi dengan Dewan have no affiliation with the Board of Commissioners,
Komisaris, Direksi, dan pemegang saham pengendali Board of Directors, and controlling shareholders and
serta telah memenuhi persyaratan independensi have met the independence requirements in order to
guna mempertahankan integritas yang dalam maintain integrity in the applicable regulations.
peraturan yang berlaku.
Komite Nominasi dan Nomination and Remuneration
Remunerasi Committee
Komite Nominasi dan Remunerasi bertugas dan The Nomination and Remuneration Committee is
bertanggung jawab dalam membantu Dewan responsible for assisting the Board of Commissioners
Komisaris dalam menentukan kebijakan pemilihan in determining the policy for selecting candidates
calon anggota Dewan Komisaris serta menetapkan for the Board of Commissioners and determining the
kebijakan remunerasi yang akan diterima Dewan remuneration policy to be received by the Board of
Komisaris dan Direksi. Commissioners and the Board of Directors. .
Komite Pemantau Risiko Monitoring Committee
Komite Pemantau Risiko merupakan komite yang The Risk Monitoring Committee is a committee
bertugas dalam membantu Dewan Komisaris dalam tasked with assisting the Board of Commissioners in
memantau dan mengawasi penerapan manajemen monitoring and supervising the implementation of risk
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BANK NTT Laporan Keberlanjutan 2024
risiko. Keberadaan Komite Pemantau Risiko telah management. The existence of the Risk Monitoring
bersifat mandatory bagi perbankan di Indonesia Committee is mandatory for banks in Indonesia
sebagaimana diatur dalam Peraturan Otoritas as stipulated in the Financial Services Authority
Jasa Keuangan Nomor 55/POJK.02/2016 tentang Regulation Number 55/POJK.02/2016 concerning the
Penerapan Tata Kelola bagi Bank Umum. Implementation of Governance for Commercial Banks.
Satuan Kerja Di Bawah Working Units Under The
Direksi Board Of Directors
Komite Asset & Liability (ALCO) Asset & Liability Committee
(ALCO)
Asset & Liability Committee (ALCO) adalah Komite The Asset & Liability Committee (ALCO) is a standing
tetap dibawah Direksi dengan misi mencapai committee under the Board of Directors with the
tingkat profibilitas Bank NTT yang optimum serta mission of achieving an optimum level of profitability
risiko likuiditas dan risiko suku bunga yang terkendali, for Bank NTT as well as controlled liquidity risk and
melalui penetapan kebijakan dan strategi aset dan interest rate risk, through the establishment of
liabilitas Bank NTT (asset and liabilities management). policies and strategies for Bank NTT’s assets and
liabilities (asset and liabilities management).
Komite Kebijakan Kredit Credit Policy Committee
Komite Kebijakan Perkreditan ada Komite yang Credit Policy Committee is a Committee formed by the
dibentuk oleh Direksi dalam rangka pengelolaan Board of Directors in order to manage credit policies
kebijakan perkreditan yang bertujuan untuk that aim to support healthy credit provision and contain
mendukung pemberian kredit yang sehat dan elements of internal control from the initial stage of the
mengandung unsur pengendalian internal mulai credit activity process to the credit monitoring stage by
tahap awal proses kegiatan perkreditan sampei paying attention to the principle of prudence.
dengan tahap pemantauan perkreditan dengan
memperhatikan prinsip kehati-hatian.
Kebijakan Kredit adalah ketentuan atau peraturan Credit Policy is a provision or regulation stipulated by
yang ditetapkan Bank sebagai petunjuk kepada the Bank as a guideline for credit officers, credit analysts
pejabat kredit, analis kredit dan petugas yang and officers related to credit provision, monitoring and
berhubungan dengan pemberian kredit, monitoring evaluation in carrying out credit activities.
dan evaluasi dalam melaksanakan aktivitas
perkreditan. The working principle of the Credit Committee is in
Prinsip kerja Komite Kredit sesuai dengan Surat accordance with the Decree of the Board of Directors
Keputusan Direksi Nomor. 188 Tahun 2024 tentang Number. 188 of 2024 concerning the Credit Policy
Komite Kebijakan Perkreditan PT. Bank Pembangunan Committee of PT. Bank Pembangunan Daerah Nusa
Daerah Nusa Tenggara Timur tertanggal 13 Tenggara Timur dated December 13, 2024.
Desember 2024.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Komite Manajemen Risiko Management Committee
Wewenang dan Tanggung jawab Komite Manajemen The authority and responsibility of the Risk Management
Risiko memberikan rekomendasi kepada Direktur Committee to provide recommendations to the
Utama sekurang-kurangnya meliputi Penyusunan President Director at least covering the Preparation
Kebijakan Manajemen Risiko serta perubahannya, of Risk Management Policies and their changes,
termasuk Strategi Manajemen Risiko , Tingkat including Risk Management Strategy, Risk Level taken
Risiko yang diambil dan Toleransi Risiko, kerangka and Risk Tolerance, Risk Management framework and
Manajemen Risiko serta rencana kontijensi untuk contingency plans to anticipate abnormal conditions.
mengantisipasi terjadinya kondisi tidak normal. Improvement of the Risk Management process
Penyempurnaan proses Manajemen Risiko secara periodically or incidentally as a result of changes
berkala maupun bersifat insidentil sebagai akibat in external and internal conditions of the Bank that
dari suatu perubahan kondisi eksternal dan internal affect capital adequacy, the Bank’s Risk Profile and
Bank yang mempengaruhi kecukupan permodalan, the ineffectiveness of the Implementation of Risk
Profil Risiko Bank dan tidak efektifnya Penerapan Management based on evaluation results.
Manajemen Risiko berdasarkan hasil evaluasi.
Penetapan Kebijakan dan/atau keputusan bisnis Determination of Policies and/or business decisions
yang menyimpang dari prosedur normal seperti that deviate from normal procedures such as significant
pelampauan ekspansi usaha yang signifikan business expansion exceeding the Bank’s previously
dibandingkan dengan Rencana Bisnis Bank yang established Business Plan or taking a risk position/
telah ditetapkan sebelumnya atau mengambil exposure that exceeds the established limit.
posisi/eksposur risiko yang melampaui limit yang
ditetapkan.
Penetapan Komite Manajemen Risiko sesuai dengan Determination of the Risk Management Committee in
Surat Keputusan Direksi No 107 Tahun 2024 tentang accordance with the Decree of the Board of Directors No.
Struktur keanggotaan dan Tata Kerja Komite 107 of 2024 concerning the Membership Structure and
Manajemen Risiko (KMR) PT. Bank Pembangunan Work Procedures of the Risk Management Committee
Daerah Nusa Tenggara Timur tertanggal 05 Juni (KMR) of PT. Bank Pembangunan Daerah Nusa Tenggara
2024. Timur dated June 5, 2024.
Komite Pengarah Teknologi Technology Steering Committee
Informasi (IT Steering (IT Steering Committee)
Committee)
Bank wajib memiliki Komite Pengarah Teknologi Banks are required to have an Information Technology
Informasi (IT Steering Committee) yang bertujuan Steering Committee (IT Steering Committee) which aims
untuk membantu Komisaris dan Direksi mengawai to assist the Commissioners and Directors in supervising
kegiatan terkait TI. IT-related activities.
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BANK NTT Laporan Keberlanjutan 2024
Pelaksanaan kegiatan operasional Teknologi The implementation of Information Technology
Informasi memerlukan keputusan-keputusan strategis operational activities requires strategic decisions
dalam rangka mendukung penyelenggaraan dan in order to support the implementation and use
penggunaan Teknologi Informasi berdasarkan of Information Technology based on the Financial
Peraturan Otoritas Jasa Keuangan. Services Authority Regulation.
Komite Pengarah Teknologi Informasi dibentuk untuk The Information Technology Steering Committee was
memastikan penerapan system teknologi informasi formed to ensure the implementation of the information
sejalan dengan strategi Bank NTT. Komite Pengarah technology system in line with Bank NTT’s strategy.
Teknologi Informasi memiliki misi untuk meningkatkan The Information Technology Steering Committee
kemampuan bersaing Bank NTT dan peningkatan has a mission to improve Bank NTT’s competitiveness
pelayanan kepada nasabah melalui pemanfaatan and improve customer service through the use of
teknologi informasi yang tepat guna. appropriate information technology.
Penetapan Komite Pengarah Teknologi Informasi The establishment of the Information Technology
ditetapkan dalam Surat Keputusan Direksi Nomor 061 Steering Committee is stipulated in the Decree of the
Tahun 2024 tentang Pembentukan Komite Pengarah Board of Directors Number 061 of 2024 concerning
Teknologi Informasi (IT Steering Committee) PT Bank the Establishment of the Information Technology
Pembangunan Daerah Nusa Tenggara Timur. Steering Committee (IT Steering Committee) of PT Bank
Pembangunan Daerah Nusa Tenggara Timur.
Komite SDM HR Committee
Komite ini merupakan komite yang bertugas This committee is tasked with assisting the Board of
membantu Direksi : Directors
• Menangani dengan meneliti dan/atau menyelidiki • Handling by researching and/or investigating
masalah kepegawaian yang luar biasa, baik extraordinary personnel issues, both welcoming
menyambut recruitment, prestasi maupun sanksi recruitment, achievements and sanctions as
serta hal-hal lain di bidang kepegawaian yang well as other matters in the field of employment
dianggap perlu; deemed necessary
• Mengusulkan kepada Direksi tentang tindak lanjut • Propose to the Board of Directors on follow-up
dan langkah-langkah nyata, serta terhadap and concrete steps, as well as on the results of
hasil penyelidikan sebagaimana dimaksud baik the investigation as referred to in the form of
berupa sanksi administrasi dan/atau hukuman administrative sanctions and / or penalties and
jabatan serta kewajiban membayar ganti rugi. the obligation to pay compensation.
Dalam melaksanakan tugas, Komite ini bertangung In carrying out its duties, this Committee is responsible
jawab kepada Direksi. Dalam masalah khusus, to the Board of Directors. In special cases, the
Direksi dapat menetapkan pejabat lain dengan Board of Directors may appoint other officers with a
Surat Penunjukan Direksi tersendiri. separate Board of Directors Appointment Letter.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Pengembangan Kompetensi Organ Tata
Kelola Berkelanjutan [GRI 102-27]
Competency Development Of Sustainable Governance
Organs [GRI 102-27]
Kompetensi seluruh organ Perusahaan yang The competence of all qualified organs of the
berkualitas turut menunjang peningkatan kinerja Company also supports the improvement of the
Perusahaan secara menyeluruh. Oleh karena itu, Company’s overall performance. Therefore, the
Perusahaan berkomitmen untuk melaksanakan Company is committed to implementing several
beberapa program yang mendukung peningkatan programs that support the improvement of the
kompetensi Dewan Komisaris, Direksi, serta Komite- competence of the Board of Commissioners, Board
komite, seperti pelatihan, pendidikan, seminar, of Directors, and Committees, such as training,
maupun workshop, baik yang dilaksanakan secara education, seminars, and workshops, both internally
internal maupun eksternal. and externally.
Adapun program pengembangan kompetensi yang The competency development programs attended
diikuti pengurus Bank NTT baik Direksi, Komisaris dan by Bank NTT’s management, including Directors,
Anggota Komite terkait Tata Kelola Berkelanjutan di Commissioners and Committee Members related
sepanjang tahun 2024 adalah sebagai berikut : to Sustainable Governance throughout 2024 are as
follows:
Direksi
Directors
Nama & Jabatan Pelatihan Tanggal Penyelenggara
Name & Position Training Date Organizer
Yohanis Landu Praing Pelatihan Motivasi "Synergy to Achieve 16 Januari 2024 Transform Dynamic
Direktur Utama Productivity" bagi Pejabat Eksekutif & January 16, 2024 Training & Consulting
President Director Pengurus Bank NTT.
Motivational Training "Synergy to Achieve
Productivity" for Executive Officers &
Management of Bank NTT.
Kegiatan Public Workshop Measuring and 06-07 Februari PT Nayottama Dinamika
Managing Market Risk 2024 Indonesia
Public Workshop Activities Measuring and February 06-07,
Managing Market Risk 2024
Diklat Motivasi "Berani Berubah untuk 09 Maret 2024 Transform Dynamic
Meningkatkan Pelayanan & Profesionalisme March 09, 2024 Training & Consulting
Kerja" Batch 2
Motivational Training "Dare to Change to
Improve Service and Work Professionalism"
Batch 2
Program Penyetaraan & Penyelarasan 19-20 Juni 2024 Bara (Bankers
Sertifikasi Manajemen Risiko BOD Level 5 ke June 19-20, 2024 Association for Risk
Jenjang 7 Management)
BOD Risk Management Certification
Equivalency and Alignment Program Level 5
to Level 7
Program Pembekalan Sertifikasi Portofolio 20 Juni 2024 TD Consultant
Manajemen Risiko Jenjang Kualifikasi 7 June 20, 2024
Risk Management Portfolio Certification
Briefing Program Qualification Level 7
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BANK NTT Laporan Keberlanjutan 2024
Direksi
Directors
Nama & Jabatan Pelatihan Tanggal Penyelenggara
Name & Position Training Date Organizer
Program Ujian ReSertifikasi Manajemen 21 Juni 2024 LSPP
Risiko Jenjang Kualifikasi 7 June 21, 2024
Risk Management Recertification
Examination Program Qualification Level 7
Perlindungan Hukum bagi Direksi, Komisaris 22-23 Juli 2024 Equivalent Training
& Pemegang Saham Juli 22-23, 2024 Center
Legal Protection for Directors,
Commissioners and Shareholders
Program Pembekalan Sertifikasi General 15-16 Oktober 2024 TD Consultant
Banking Kualifikasi Tingkat 3 October 15-16,
General Banking Certification Provision 2024
Program Level 3 Qualification
Ujian Sertifikasi General Banking Kualifikasi 17 Oktober 2024 LSPP
Tingkat 3 October 17, 2024
General Banking Certification Exam Level 3
Qualification
Training Pengawasan Aktif Direksi terhadap 19-20 Desember Calamus Rotana Cattail
Penerapan APU PPT dan PPPSPM serta 2024
Teknik Penyampaian Laporan Berkualitas December 19-20,
kepada Pusat Pelaporan dan Analisis 2024
Transaksi Keuangan (PPATK)
Training for Active Supervision of the Board
of Directors on the Implementation of
APU PPT and PPPSPM and Techniques for
Submitting Quality Reports to the Financial
Transaction Reports and Analysis Center
(PPATK)
Christofel S. M. Adoe Pelatihan Motivasi "Synergy to Achieve 16 Januari 2024 Transform Dynamic
Direktur Kepatuhan Productiviy" bagi Pejabat Eksekutif & January 16, 2024 Training & Consulting
Compliance Director Pengurus Bank NTT
Motivational Training "Synergy to Achieve
Productiviy" for Executive Officers &
Management of Bank NTT
Undangan Seminar Nasional BPDSI & 23-25 April 2024 ASBANDA
Penarikan Undian Nasional April 23-25, 2024
Tabungan Simpeda BPDSI di Parapat
Sumatera Utara
BPDSI National Seminar Invitation &
National Lottery Drawing
BPDSI Simpeda Savings in Parapat, North
Sumatra
Program Penyetaraan & Penyelarasan 19-20 Juni 2024 Bara (Bankers
Sertifikasi Manajemen Risiko BOD Level 5 ke June 19-20, 2024 Association
Jenjang for Risk Management)
BOD Level 5 Risk Management Certification
Equivalency and Alignment Program to the
Next Level
Program Pembekalan Sertifikasi Portofolio 20 Juni 2024 TD Consultant
Manajemen Risiko Jenjang Kualifikasi 7 June 20, 2024
Risk Management Portfolio Certification
Briefing Program Qualification Level 7
Program Ujian ReSertifikasi Manajemen 21 Juni 2024 LSPP
Risiko Jenjang Kualifikasi 7 June 21, 2024
Risk Management Recertification
Examination Program Qualification Level 7
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Direksi
Directors
Nama & Jabatan Pelatihan Tanggal Penyelenggara
Name & Position Training Date Organizer
Undangan Workshop Penyusunan Rencana 2-3 Oktober 2024 ASBANDA
Aksi Pemulihan (Recovery Plan) sesuai POJK Ocktober 2-3, 2024
No. 5 Tahun 2024 bagi BPD se Indonesia
Invitation to the Workshop on Preparation of
Recovery Action Plans in accordance with
POJK No. 5 of 2024 for BPDs throughout
Indonesia
Webinar Batch 5/2024 dengan tema 11 Desember 2024 FKDKP
"Prospek Ekonomi Tahun 2025, Mencapai December 11, 2024
Indonesia Emas 2045"
Webinar Batch 5/2024 with the theme
"Economic Prospects in 2025, Achieving
Golden Indonesia 2045"
Training Pengawasan Aktif Direksi terhadap 19-20 Desember Calamus Rotana Cattail
Penerapan APU PPT dan PPPSPM serta 2024
Teknik Penyampaian Laporan Berkualitas December 19-20,
kepada Pusat Pelaporan dan Analisis 2024
Transaksi Keuangan (PPATK)
Training for Active Supervision of the Board
of Directors on the Implementation of
APU PPT and PPPSPM and Techniques for
Submitting Quality Reports to the Financial
Transaction Reports and Analysis Center
(PPATK)
Hillarius Minggu Pelatihan Motivasi "Synergy to Achieve 16 Januari 2024 Transform Dynamic
Direktur Teknologi Productiviy" bagi Pejabat Eksekutif & January 16, 2024 Training & Consulting
Informasi & Operasional Pengurus Bank NTT
Director of Information Motivational Training "Synergy to Achieve
Technology & Operations Productiviy" for Executive Officers &
Management of Bank NTT
Program Pembekalan / Pengkinian 04 Juli 2024 TD Consultant
Resertifikasi Manajemen Risiko Jenjang July 04, 2024
Kualifikasi 7
Risk Management Recertification Retraining
/ Updating Program Qualification Level 7
Program Ujian Resertifikasi Manajemen 06 Juli 2024 LSPP
Risiko Jenjang Kualifikasi 7 July 06, 2024
Risk Management Recertification Exam
Program Qualification Level 7
Workshop dan Discussion Pembekalan Uji 23-24 Juli 2024 PT. Sanadi Corp
Kompetensi Sertifikasi Treasury/Dealer July 23-24, 2024 Indonesia
Jenjang 7 (Level Advance)
Workshop and Discussion on Treasury/
Dealer Certification Competency Test
Preparation Level 7 (Advance Level)
Pembekalan Sertifikasi Treasury Jenjang 7 19 September 2024 APUVINDO
Treasury Certification Provision Level 7 September 19, 2024
Ujian Sertifikasi Treasury Jenjang 7 21 September 2024 ACI
Treasury Certification Exam Level 7 September 21, 2024
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BANK NTT Laporan Keberlanjutan 2024
Dewan Komisaris
Board of Commissioners
Nama & Jabatan Pelatihan Tanggal Penyelenggara
Name & Position Training Date Organizer
Frans Gana Program Pembekalan Resertifikasi 29 April 2024 TD Consultant
Komisaris Independen Manajemen Risiko (Fast Track) Jenjang April 29, 2024
Independent Kualifikasi 6
Commissioner Risk Management Recertification Provision
Program (Fast Track) Qualification Level 6
Program Ujian Resertifikasi Manajemen 30 April 2024 LSPP
Risiko (Fast Track) Jenjang Kualifikasi 6 April 30, 2024
Risk Management Recertification Exam
Program (Fast Track) Qualification Level 6
Undangan Bimbingan Teknis 6-8 November PT.Orca Mediatech
Pengembangan Kompetensi Wirausaha 2024 Indonesia
Berbasis Digital November 6-8,
Invitation to Technical Guidance for 2024
Digital-Based Entrepreneurial Competency
Development
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Tata Kelola Berkelanjutan
Sustainable Governance
Penerapan tata kelola berkelanjutan merujuk The implementation of sustainable governance refers
kepada POJK No. 51/ POJK.03/2017 tentang to POJK No. 51/POJK.03/2017 on the Implementation
Penerapan Keuangan Berkelanjutan bagi Lembaga of Sustainable Finance for Financial Services
Jasa Keuangan, Emiten dan Perusahaan Publik. Institutions, Issuers and Public Companies. Based on
Berdasarkan Keputusan Direksi No 43/KEP-DIR/ the Decree of the Board of Directors No. 43/KEP-DIR/
IV/2019 tentang Pedoman Perusahaan Organisasi IV/2019 on Corporate Guidelines for the Organization
dan Uraian Jabatan Kantor Pusat Sekretaris and Job Description of the Corporate Secretary
Perusahaan, Sekretaris Perusahaan ditunjuk menjadi Head Office, the Corporate Secretary is appointed
unit yang bertanggung jawab atas penerapan as the unit responsible for the implementation of
keuangan berkelanjutan. sustainable finance.
Tugas dan Tanggung Jawab Dewan Komisaris, Direksi dan Unit Terkait Keuangan Berkelanjutan
Duties and Responsibilities of the Board of Commissioners, Board of Directors and Sustainable Finance Related Units.
Pejabat Tugas dan Wewenang
Official Duties and Authorizations
Direksi Bank NTT Bertanggungjawab terhadap pengelolaan dan pengawasan Program Aksi Keuangan
Directors of Bank NTT Berkelanjutan (RAKB) dilingkup Bank NTT.
Responsible for the management and supervision of the Sustainable Finance Action Program
(SFAP) within Bank NTT.
Divisi Riset & - Bertanggung jawab terhadap Direksi terhadap pengelolaan Program Rencana Aksi
Pengembangan Keuangan Berkelanjutan (RAKB) di Bank NTT.
Research & - Menghimpun Data dari Divisi-Divisi terkait dan Menyusun Laporan Rencana Aksi Keuangan
Development Division Berkelanjutan (RAKB) serta Laporan Keberlanjutan (Sustainability Report) di tahun berikutnya
berdasarkan data realisasi dari RAKB tersebut.
- Menyampaikan laporan kepada Pihak Eksternal maupun Internal jika ada pemintaan data
terkait Laporan Keuangan Berkelanjutan.
- Responsible to the Board of Directors for the management of the Sustainable Finance Action
Plan Program at Bank NTT.
- Collect data from relevant divisions and compile the Sustainable Finance Action Plan Report
(RAKB) and Sustainability Report in the following year based on the realization data from the
RAKB.
- Submitting reports to external and internal parties if there is a request for data related to the
Sustainable Financial Report.
Berdasarkan Pedoman Teknis atas POJK No. 51/ Based on the Technical Guidelines on POJK No. 51/
POJK.03/2017, Divisi Riset & Pengembangan telah POJK.03/2017, the Research & Development Division
merumuskan Rencana Aksi Keuangan Berkelanjutan has formulated Bank NTT’s Sustainable Finance
Bank NTT di tahun sebelumnya. Realisasi atas Action Plan in the previous year. The realization of
Rencana Aksi Keuangan Berkelanjutan (RAKB) the Sustainable Finance Action Plan (RAKB) is then
kemudian disampaikan dalam bentuk Laporan submitted in the form of a Sustainability Report in
Keberlanjutan (Sustainability Report) di tahun the following year, which is prepared by the Research
berikutnya yang disusun oleh Divisi Riset & & Development Division and submitted to the OJK
Pengembangan dan disampaikan kepada Pihak (Financial Services Authority) according to the
OJK (Otoritas Jasa Keuangan) sesuai batas waktu specified time limit.
yang ditentukan.
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BANK NTT Laporan Keberlanjutan 2024
Laporan Keberlanjutan
Sustainability Report
Sebagai Bank BUKU II, Bank NTT wajib menerapkan As a BUKU II Bank, Bank NTT is required to implement
Keuangan Rencana Berkelanjutan, sesuai dengan the Sustainable Finance Plan, in accordance with
ketentuan Peraturan Otoritas Jasa Keuangan the provisions of the Financial Services Authority
No.51/POJK.03/2017 tentang Penerapan Keuangan Regulation No.51/POJK.03/2017 concerning the
Berkelanjutan Bagi Lembaga Jasa Keuangan, Implementation of Sustainable Finance for Financial
Emiten, dan Perusahaan Publik. Services Institutions, Issuers, and Public Companies.
Rujukan Acuan Penyusunan References for the
Laporan Keberlanjutan preparation of the
(Sustainability Report) Sustainability Report
Dalam proses penyusunan Laporan Keberlanjutan, In the process of preparing the Sustainability Report,
Bank NTT juga merujuk kepada Dokumen Pedoman Bank NTT also refers to the Technical Guidance
Teknis Bagi Bank Terkait Implementasi POJK No. 51/ Document for Banks Regarding the Implementation
POJK.03/2017 yang memberikan penjelasan teknis of POJK No. 51/POJK.03/2017 which provides
mengenai : technical explanations regarding :
1. Makna praktis dari prinsip-prinsip Keuangan 1. The practical meaning of Sustainable Finance
Berkelanjutan; principles
2. Prioritas program Keuangan Berkelanjutan; 2. Sustainable Finance program priorities
3. Langkah strategis dalam implementasi Program 3. Strategic steps in the implementation of the
Keuangan Berkelanjutan; Sustainable Finance Program
4. Outline dan isi dari Laporan Keberlanjutan 4. Outline and content of the Sustainability Report
(Sustainability Report);
5. Outline dan isi dari Laporan Keberlanjutan 5. Outline and content of the Sustainability Report;
(Sustainability Report); dan and
6. Alokasi dan penggunaan dana Tanggung Jawab 6. Allocation and utilization of Social and
Sosial dan Lingkungan (TJSL). Environmental Responsibility (CSR) funds.
Laporan Keberlanjutan disusun berdasarkan 7 (tujuh) The Sustainability Report is prepared based on 7
aspek teknis yang tercantum dalam Buku Pedoman (seven) technical aspects listed in the Technical
Teknis Penerapan Aksi Keuangan Berkelanjutan Guideline Book for the Implementation of Sustainable
dan telah menyampaikan Visi dan Misi Keuangan Finance Action and has conveyed the Vision and
Berkelanjutan, Road Map Keuangan Berkelanjutan, Mission of Sustainable Finance, Sustainable Finance
Proses Penyusunan Laporan Keberlanjutan, Faktor Road Map, Sustainability Report Preparation Process,
Penentu, Prioritas dan Uraian Realisasi dari Rencana Determining Factors, Priorities and Description of
Aksi Keuangan Berkelanjutan. Realization of the Sustainable Finance Action Plan.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Terkait dengan penyusunan rencana implementasi Regarding the preparation of the Social &
Tanggung Jawab Sosial & Lingkungan Hidup, Bank Environmental Responsibility implementation plan,
NTT merujuk kepada berbagai peraturan dan Bank NTT refers to various applicable laws and
perundang-undangan yang berlaku, antara lain: regulations, among others:
1. Undang-undang Nomor 16 Tahun 2016 Tentang 1. Law No. 16/2016 on the ratification of the Paris
Pengesahan Paris (Persetujuan Paris atas Agreement to the United Nations Framework
Konvensi Kerangka Kerja Perserikatan Bangsa- Convention on Climate Change.
Bangsa Mengenai Perubahan Iklim).
2. Undang Undang No 32 Tahun 2009 Tentang 2. Law No. 32 of 2009 on Environmental Protection
Perlindungan dan Pengelolaan Lingkungan Hidup and Management
3. Undang Undang No 30 Tahun 2007 Tentang 3. Law No. 30 of 2007 on Renewable Energy Sources
Sumber Energi Terbarukan
4. Undang Undang no 20 Tahun 2008 Tentang 4. Law No. 20/2008 on Micro, Small and Medium
Usaha Mikro, Kecil dan Menengah Enterprises
5. Peraturan Presiden Nomor 59 Tahun 2017 Tentang 5. Presidential Regulation No. 59/2017 on the
Pelaksanaan Pencapaian Tujuan Pembangunan Implementation of Achieving the Sustainable
Berkelanjutan. Development Goals.
6. Peraturan OJK Nomor 51 Tahun 2017 Tentang 6. OJK Regulation No. 51/2017 on the Implementation
Penerapan Keuangan Berkelanjutan Bagi of Sustainable Finance for Financial Services
Lembaga Jasa Keuangan, Emiten, dan Institutions, Issuers, and Public Companies.
Perusahaan Publik.
7. Peraturan OJK Nomor 60 Tahun 2017 tentang 7. OJK Regulation No. 60/2017 on the Issuance and
Penerbitan dan Persyaratan Efek Bersifat Utang Requirements of Environmentally Sound Debt
Berwawasan Lingkungan. Securities.
8. Peraturan Pemerintah no 46 Tahun 2017 Tentang 8. Government Regulation No. 46/2017 on
Instrumen Ekonomi Lingkungan Hidup. Environmental Economic Instruments
9. Peraturan Pemerintah No 47 Tahun 2012 tentang 9. Government Regulation No. 47 of 2012 concerning
Tanggung Jawab Sosial dan Lingkungan Social and Environmental Responsibility of Limited
Perseroan Terbatas. Liability Companies.
10. Roadmap Keuangan Berkelanjutan di Indonesia 10. Roadmap for Sustainable Finance in Indonesia
2015 – 2019, Otoritas Jasa Keuangan, 2014. 2015 - 2019, Financial Services Authority, 2014.
11. Rencana Pembangunan Jangka Panjang 11. Long-term Development Plan 2005-2025,
2005–2025, Badan Perencanaan Pembangunan National Development Planning Agency.
Nasional.
12. Rencana Pembangunan Jangka Menengah, 12. Medium-Term Development Plan, 2015-2019,
2015–2019, Badan Perencanaan Pembangunan National Development Planning Agency.
Nasional.
13. Peraturan Menteri Lingkungan Hidup dan 13. Regulation of the Minister of Environment
Kehutanan Nomor P.33/Menlhk/Sekjen/ and Forestry Number P.33/Menlhk/Sekjen/
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BANK NTT Laporan Keberlanjutan 2024
Kum.1/2/2016 Tentang Pedoman Penyusunan Kum.1/2/2016 concerning Guidelines for Preparing
Adaptasi Perubahan Iklim. Climate Change Adaptation.
14. Taksonomi Hijau Indonesia Edisi 1.0 – 2022. 14. Indonesian Green Taxonomy Edition 1.0 - 2022.
15. Climate Risk Management & Scenario Analysis 15. Climate Risk Management & Scenario Analysis
Perbankan 2024. Perbankan 2024.
Proses Penyusunan Laporan Sustainability Report
Keberlanjutan (Sustainability Preparation Process
Report)
Proses penyusunan Laporan Keberlanjutan dilakukan The process of preparing the Sustainability Report is
mulai dari persiapan sampai dengan finalisasi yang carried out from preparation to finalization involving
melibatkan berbagai unit kerja karena kegiatan yang various work units because the activities to be
akan dilaksanakan mempunyai keterkaitan antara carried out have a connection between business
rencana bisnis, aktifitas bisnis, operasional dan unit plans, business activities, operations and supporting
supporting. Penyusunan Laporan Keberlanjutan units. The preparation of this Sustainability Report,
ini Bank NTT meminta bantuan pihak konsultan Bank NTT requested the assistance of consultants
yang memiliki kompetensi dan pengalaman dalam who have competence and experience in preparing
penyusunan Laporan Keberlanjutan. Proses Sustainability Reports. The process of preparing
penyusunan laporan ini dapat dijelaskan dalam this report can be explained in several stages of
beberapa tahap penyusunan sebagai berikut: preparation as follows:
a. Persiapan Penyusunan Laporan Keberlanjutan a. Preparation of Sustainability Report
Divisi Riset Pengembangan melakukan diskusi The Research and Development Division held
dengan beberapa pihak Konsultan dalam discussions with several Consultants in preparing
penyusunan Sustainability Report 2024. the 2024 Sustainability Report. Furthermore, it
Selanjutnya berkoordinasi terkait proses coordinated regarding the procurement process
pengadaan yang mana sesuai dengan SK Direksi which is in accordance with the Decree of the
Nomor : 163 Tentang Peraturan Pengadaan Board of Directors Number: 163 Concerning the
Barang/Jasa PT Bank Pembangunan Daerah Procurement Regulations for Goods/Services of
Nusa Tenggara Timur Tanggal 30 Oktober 2024 PT Bank Pembangunan Daerah Nusa Tenggara
penunjukan Pihak Konsultan kewenangannya Timur dated October 30, 2024, the appointment
berada di Divisi Riset dan Pengembangan of the Consultant Party is authorized by the
sebagai Pihak Penjabat Pengadaan untuk Jasa Research and Development Division as the
Konsultan dengan metode pemilihan pembelian Acting Procurement Party for Consultant Services
langsung. with the direct purchase selection method.
PT Tata Kelola Komunika (Talk Asia) adalah PT Tata Kelola Komunika (Talk Asia) is a consultant
pihak konsultan yang mempunyai pengalaman with experience in Sustainable Finance. This
atas Keuangan Berkelanjutan. Pihak konsultan consultant assisted in the preparation of the
ini membantu dalam Penyusunan Laporan Sustainability Report, from design, copywriter
Keberlanjutan, dari design, copywriter dan and language translation.
translate Bahasa.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
b. Pengumpulan Data b. Data Collection
Proses pengumpulan data dilakukan oleh The data collection process was conducted by the
Divisi Riset & Pengembangan berkordinasi Research & Development Division in coordination
dengan berbagai unit kerja Bank NTT. Data with various working units of Bank NTT. Credit
portofolio kredit dan aktifitas CSR diidentifikasi, portfolio data and CSR activities are identified,
apakah dapat dikategorikan sebagai kegiatan whether they can be categorized as Sustainable
Keuangan Berkelanjutan. Bank NTT melakukan Finance activities. Bank NTT identified several
identifikasi beberapa kredit yang dapat credits that can be categorized as Sustainable
dikategorikan sebagai Keuangan Berkelanjutan Finance, including MSME Credit, Merdeka Micro
antara lain Kredit UMKM, Kredit Mikro Merdeka Credit to eradicate loan sharks with 0% interest,
untuk memberantas rentenir dengan bunga Syndicated Credit and Regional Loans for
0%, Kredit Sindikasi dan Pinjaman Daerah Sustainable Road Infrastructure Development,
untuk Pembangunan Infrastruktur Jalan yang Drinking Water Supply & Sanitation System Credit
Berkelanjutan , Kredit Sistem Penyediaan Air (KSPAMS), Hydro Micro Credit, Assisted Village
Minum & Sanitasi (KSPAMS), Kredit Mikro Hidro, Ecosystem, TJPS Financing Ecosystem (Tanam
Ekosistem Desa Binaan, Ekosistem Pembiayaan Jagung Panen Sapi) and several CSR activities
TJPS (Tanam Jagung Panen Sapi) dan beberapa that are routinely carried out. Data on electricity,
kegiatan CSR yang rutin dilakukan. Data water, paper and fuel usage is obtained from the
pemakaian listrik, air, kertas dan BBM diperoleh General Division
dari Divisi Umum.
c. Penyusunan Konsep Laporan Keberlanjutan c. Draft Sustainability Report
Divisi Riset & Pengembangan menyusun konsep The Research & Development Division prepared
awal (Draft) Sustainability Report. Diskusi the initial draft of the Sustainability Report.
dilakukan melalui komunikasi jarak jauh (via The discussion was conducted through long-
Whatsapp, Telepon) namun tidak mengurangi distance communication (via Whatsapp,
efektifitasnya dan diskusi akhir dilakukan pada Telephone) but did not reduce its effectiveness
tanggal 19-31 Maret 2024 di Kupang yang and the final discussion was held on March 19-
juga melibatkan Divisi Mikro Kecil & Konsumer, 31, 2024 in Kupang which also involved the Micro,
Supporting Kredit, Divisi Kredit Komersil dan Small & Consumer Division, Credit Supporting,
Menengah, Divisi Dana, Divisi Manajemen Risiko, Commercial and Medium Credit Division, Fund
Divisi Umum & Divisi SDM. Division, Risk Management Division, General
Division & HR Division.
d. Finalisasi Laporan Keberlanjutan d. Finalization of Sustainability Report
Tahap selanjutnya Konsep Sustainability Report In the next stage, the Sustainability Report
tersebut disampaikan kepada Direksi dan unit concept is submitted to the Board of Directors and
kerja terkait serta kesesuaian dengan Rencana related work units as well as in accordance with
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BANK NTT Laporan Keberlanjutan 2024
Bisnis Bank (RBB). Berdasarkan masukan dalam the Bank’s Business Plan (RBB). Based on the input
pembahasan Sustainability Report tersebut in the discussion of the Sustainability Report, it is
maka dilakukan finalisasi oleh Divisi Riset & finalized by the Research & Development Division
Pengembangan dibantu oleh konsultan dan assisted by consultants and submitted to the
diajukan kepada Direksi dan Dewan Komisaris. Board of Directors and Board of Commissioners.
e. Sosialisasi Laporan Keberlanjutan e. Socialization of Sustainability Report
Pada tahun 2024, pelatihan tentang Keuangan In 2024, training on Sustainable Finance is still
Berkelanjutan masih difokuskan kepada para focused on Credit Analysts at the Head Office and
Analis Kredit di Kantor Pusat maupun di Kantor Branch Offices and cannot yet be implemented in
Cabang dan belum dapat dilaksanakan di all Branch Offices and Sub-Branch Offices, but it is
seluruh Kantor Cabang dan Kantor Cabang planned that around 46% of Bank NTT employees
Pembantu namun direncanakan sekitar 46% will have received training on sustainable finance
pegawai Bank NTT telah memperoleh pelatihan by 2025.
tentang keuangan berkelanjutan pada tahun
2025.
Pelatihan Keuangan Berkelanjutan dilaksanakan The last Sustainable Finance training was
terakhir pada Tahun 2022, oleh Tim GGGI (Global conducted in 2022, by the GGGI (Global Green
Green Growth Institute) yakni organisasi antar Growth Institute) Team, an intergovernmental
pemerintah yang berfokus pada dukungan dan organization that focuses on supporting and
promosi model pertumbuhan ekonomi yang promoting the economic growth model known
dikenal sebagai pertumbuhan hijau. Peserta as green growth. The socialization participants
sosialisasi adalah Para Kepala Divisi, Kasubdiv, were Heads of Divisions, Sub-Divisions, Officers
Officer dan Pegawai di Kantor Pusat dengan and Employees at the Head Office by providing
memberikan pelatihan tentang pemahaman training on understanding and reporting on
maupun pelaporan tentang Keuangan Sustainable Finance.
Berkelanjutan.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Penerapan Prinsip Pencegahan Dan
Manajemen Risiko [GRI 102-11]
Application Of Risk Prevention and Management
Principles [GRI 102-11]
Bank NTT menyadari bahwa menjalankan aktivitas Bank NTT realizes that carrying out business
usaha di bidang perbankan memiliki risiko yang activities in the banking sector carries risks that
membutuhkan sistem dan mekanisme pengelolaan require appropriate and adequate management
serta mitigasi yang tepat dan memadai. Oleh karena and mitigation systems and mechanisms. Therefore,
itu, Bank NTT berfokus pada pengelolaan risiko yang Bank NTT focuses on risk management which is
diwujudkan melalui penyusunan manajemen risiko realized through the preparation of effective and
yang efektif dan efisien dengan mempertimbangkan efficient risk management by considering the type
jenis eksposur risiko serta perumusan langkah of risk exposure and the formulation of mitigation
mitigasinya. Kebijakan manajemen risiko ini telah measures. This risk management policy has been
disusun secara komprehensif yang dilakukan comprehensively prepared with reference to the
dengan mengacu pada Peraturan Otoritas Jasa Financial Services Authority Regulation Number 18/
Keuangan Nomor 18/POJK.03/2016 tanggal 16 POJK.03/2016 dated March 16, 2016 concerning the
Maret 2016 tentang Penerapan Manajemen Risiko Implementation of Risk Management for Commercial
bagi Bank Umum. Kebijakan manajemen risiko Banks. The risk management policy has taken into
telah memperhitungkan eksposur risiko dengan account the risk exposure by monitoring 8 (eight)
mengawasi 8 (delapan) profil risiko yang dihadapi risk profiles faced by the Bank, including credit risk,
Bank, antara lain risiko kredit, risiko pasar, risiko market risk, liquidity risk, operational risk, legal risk,
likuiditas, risiko operasional, risiko hukum, risiko reputation risk, strategic risk, and compliance risk.
reputasi, risiko stratejik, dan risiko kepatuhan.
Guna menghadirkan kebijakan manajemen risiko In order to provide appropriate and measurable risk
yang tepat dan terukur, Bank NTT membentuk management policies, Bank NTT established the
Komite Pemantau Risiko dan Komite Manajemen Risk Monitoring Committee and Risk Management
Risiko sebagai pihak yang mendukung kinerja Dewan Committee as parties that support the performance
Komisaris dan Direksi dalam mengelola risiko bisnis of the Board of Commissioners and Board of
perbankan. Komite Pemantau Risiko merupakan Directors in managing banking business risks. The
komite yang berada di bawah Dewan Komisaris Risk Monitoring Committee is a committee under
yang bertugas membantu Dewan Komisaris dalam the Board of Commissioners whose task is to assist
mengawasi eksposur risiko serta melakukan evaluasi the Board of Commissioners in overseeing risk
terhadap kesesuaian antara kebijakan risiko exposure and evaluating the suitability between risk
dengan eksposur risiko yang dihadapi Bank. Komite policies and risk exposures faced by the Bank. Risk
Manajemen Risiko adalah komite yang berada di Management Committee is a committee under the
bawah Direksi yang bertugas dalam membantu Board of Directors whose task is to assist the Board of
Direksi dalam memberikan saran dan rekomendasi Directors in providing advice and recommendations
terkait kebijakan manajemen risiko. related to risk management policies.
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BANK NTT Laporan Keberlanjutan 2024
Peran Organ Tata Kelola The Role Of The
Dalam Pelaksanaan Governance Organization
Kinerja Berkelanjutan dan In The Implementation Of
Efektivitas Manajemen Sustainable Performance
Risiko [GRI 102-29, GRI 102- And The Effectiveness Of
30] Risk Management [GRI 102-
29, GRI 102-30]
Bank NTT senantiasa berupaya untuk Bank NTT always strives to implement sustainable
mengimplementasikan prinsip berkelanjutan principles into all business activities by involving
ke dalam seluruh kegiatan usaha dengan turut the role of all Company personnel as part of Bank
melibatkan peran dari seluruh insan Perusahaan NTT’s stakeholders. Optimizing sustainability
sebagai bagian dari pemangku kepentingan Bank performance with the involvement of stakeholders’
NTT. Optimalisasi kinerja keberlanjutan dengan roles is realized through the application of risk
adanya keterlibatan peran pemangku kepentingan management to all levels by not only focusing on
diwujudkan melalui penerapan manajemen risiko ke the Board of Commissioners, Board of Directors, and
seluruh lapisan dengan tidak hanya terpaku pada Risk Monitoring Committee, but also involving the
Dewan Komisaris, Direksi, maupun Komite Pemantau awareness of all stakeholders. With the cooperation
Risiko, namun juga melibatkan kesadaran seluruh of all parties, it will be able to create a clean, healthy,
pemangku kepentingan. Dengan kerja sama seluruh and risk-averse work climate and be able to support
pihak, akan mampu menciptakan iklim kerja yang the Company in reducing the negative impacts
bersih, sehat, dan terhindar dari risiko serta mampu arising from the risks faced by the Bank. Through
mendukung Perusahaan dalam mengurangi dampak the identification and evaluation process in each
negatif yang timbul akibat risiko yang dihadapi Bank. department, stakeholder involvement can play a
Melalui proses identifikasi dan evaluasi di setiap role in ensuring the effectiveness of risk management
departemen, keterlibatan pemangku kepentingan at all levels of the Company as a whole. In addition,
dapat berperan dalam menjamin efektivitas consideration of the risk impact in every decision-
manajemen risiko di seluruh lapisan Perusahaan making process is realized by the Company in the
secara menyeluruh. Selain itu, pertimbangan Bank’s operational activities to implement a risk-
dampak risiko yang ditimbulkan dalam setiap aware culture by all Company personnel.
proses pengambilan keputusan diwujudkan oleh
Perusahaan dalam aktivitas operasional Bank guna
mengimplementasikan budaya sadar risiko oleh
seluruh insan Perusahaan.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
KEGIATAN USAHA DAN LAYANAN
Business Activities and Services
Kontribusi Bank NTT Bank NTT’s Contribution to
Terhadap Pembangunan Sustainable Development
Berkelanjutan Melalui Through the Implementation
Penerapan Konsep of the Sustainable Finance
Keuangan Berkelanjutan Concept
Dalam rangka menerapkan prinsip keberlanjutan In order to apply the principles of sustainability
yang berdampak pada terciptanya that have an impact on the creation of business
keberlangsungan bisnis usaha, Otoritas Jasa continuity, the Financial Services Authority has
Keuangan telah mengeluarkan regulasi berupa issued a regulation in the form of POJK Number
POJK Nomor 51/POJK.03/2017 tentang Penerapan 51/POJK.03/2017 concerning the Implementation
Keuangan Berkelanjutan Bagi Lembaga Jasa of Sustainable Finance for Financial Services
Keuangan, Emiten, dan Perusahaan Publik sebagai Institutions, Issuers, and Public Companies as part
bagian dari pemenuhan implementasi Roadmap of fulfilling the implementation of the Sustainable
Keuangan Berkelanjutan di Indonesia 2015-2019. Finance Roadmap in Indonesia 2015-2019. In
Dalam menciptakan nilai keberlanjutan, Bank NTT creating sustainability value, Bank NTT uses the
menggunakan konsep keuangan berkelanjutan concept of sustainable finance by applying the
dengan menerapkan triple bottom line, yakni triple bottom line, namely environment, social, and
lingkungan, sosial, dan ekonomi. Dalam keuangan economy. In sustainable finance, in addition to
berkelanjutan tersebut, selain untuk meningkatan increasing the portion of financing, the program
porsi pembiayaan, programnya juga turut also improves the ability and competitiveness of
meningkatkan kemampuan dan daya saing lembaga financial services institutions in the midst of dynamic
jasa keuangan di tengah kondisi perekonomian yang economic conditions. Sustainable finance is a new
dinamis. Keuangan berkelanjutan atau sustainable challenge and opportunity for Financial Services
finance menjadi sebuah tantangan dan peluang Institutions (FSIs) to grow and develop more stably
baru bagi Lembaga Jasa Keuangan (LJK) untuk and consistently so as to create capabilities and
tumbuh dan berkembang lebih stabil dan konsisten competitiveness.
sehingga mampu menciptakan kemampuan dan
daya saing.
Guna mengoptimalkan implementasi konsep In order to optimize the implementation of the
keuangan berkelanjutan, Otoritas Jasa Keuangan concept of sustainable finance, the Financial
(OJK) telah memiliki rencana kerja strategis Services Authority (OJK) has a strategic work plan
keuangan berkelanjutan dalam Roadmap Keuangan for sustainable finance in the Sustainable Finance
Berkelanjutan. Dalam rencana kerja tersebut, Roadmap. In the work plan, there are 3 (areas) which
terdapat 3 (area) yang mencakup antara lain include, among others, increasing the supply of
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BANK NTT Laporan Keberlanjutan 2024
peningkatan supply pendanaan ramah lingkungan environmentally friendly funding, increasing demand
hidup, peningkatan demand bagi produk keuangan for environmentally friendly financial products,
ramah lingkungan hidup, dan peningkatan and increasing supervision and coordination of
pengawasan dan koordinasi implementasi sustainable finance implementation. As one of the
keuangan berkelanjutan. Sebagai salah satu entitas entities that conducts business in the Financial
yang menyelenggarakan usaha di industri Jasa Services (JK) industry, Bank NTT is also responsible
Keuangan (JK), Bank NTT turut bertanggung jawab for implementing these regulations as stated in the
dalam menerapkan regulasi tersebut sebagaimana implementation of 8 (eight) sustainable economic
tercantum dalam implementasi 8 (delapan) prinsip principles, which include:
ekonomi berkelanjutan, yang mencakup:
1. Investasi Bertanggung Jawab; 1. Principles of Responsible Investment;
2. Prinsip Strategi dan Praktik Bisnis Berkelanjutan; 2. Principles of Sustainable Business Strategies and
Practices;
3. Prinsip Pengelolaan Risiko Sosial dan Lingkungan 3. Principles of Social and Environmental Risk
Hidup; Management;
4. Prinsip Tata Kelola; 4. Principles of Governance;
5. Prinsip Komunikasi yang Informatif; 5. Principles of Informative Communication;
6. Prinsip Inklusif; 6. Principles of Inclusiveness;
7. Prinsip Pengembangan Sektor Unggulan Prioritas; 7. Principles of Priority Leading Sector Development;
dan and
8. Prinsip Koordinasi dan Kolaborasi. 8 Principles of Coordination and Collaboration.
Bank NTT berupaya untuk memastikan adanya Bank NTT strives to ensure harmony between
keselarasan antara aspek ekonomi dan aspek economic and environmental aspects through the
lingkungan melalui pengembangan produk development of environmentally friendly lending
penyaluran kredit ramah lingkungan dengan products by considering Environmental Impact
mempertimbangkan dokumen Analisis Dampak Analysis (AMDAL) documents and disturbance
Lingkungan Hidup (AMDAL) dan izin gangguan permits as one of the requirements for lending.
sebagai salah satu persyaratan penyaluran kredit. These efforts and policies are a form of realization
Upaya serta kebijakan ini menjadi wujud realiasi dari of the Principles of Responsible Investment and
Prinsip Investasi Bertanggung Jawab dan Prinsip the Principles of Social and Environmental Risk
Pengelolaan Risiko Sosial dan Lingkungan Hidup Management carried out by Bank NTT as a Financial
yang dilakukan Bank NTT sebagai entitas Jasa Services entity (JK). The contribution made by Bank
Keuangan (JK). Kontribusi yang diberikan Bank NTT NTT in supporting regional economic development
dalam mendukung pembangunan ekonomi daerah is strengthened by the existence of policies and
diperkuat dengan adanya kebijakan dan inisiatif yang initiatives whose implementation is oriented
penerapannya berorientasi terhadap penguatan towards strengthening the development of MSME
perkembangan kinerja UMKM melalui penyaluran performance through lending and MSME assistance
kredit dan pendampingan UMKM (baik standarisasi (both product standardization, production capacity
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
produk, pelatihan kapasitas produksi, pelatihan training, standardized packaging training, marketing
pembuatan kemasan terstandarisasi, pemasaran of MSME products), expansion of banking networks
produk-produk UMKM), perluasan jaringan dan and services that are more comprehensive and
layanan perbankan yang lebih komprehensif dan reach a wider community, and diversification of
menjangkau masyarakat yang lebih luas, dan other banking products and services that are highly
diversifikasi produk dan layanan perbankan lainnya competitive and in accordance with customer
yang berdaya saing tinggi dan sesuai dengan needs, digitalization in the initiation and processing
kebutuhan nasabah, digitalisasi dalam inisiasi of credit and financing in leading sectors according
dan proses kredit serta pembiayaan pada sektor to the economic potential of each region. This is
unggulan sesuai potensi ekonomi yang dimiliki implemented by always considering aspects of
masing-masing daerah. Hal tersebut diterapkan sustainability for the environment and society and is
dengan senantiasa mempertimbangkan aspek realized through the implementation of Sustainability
keberlanjutan bagi lingkungan dan masyarakat dan Strategy and Practice Principles.
diwujudkan melalui penerapan Prinsip Strategi dan
Praktik Keberlanjutan.
Dalam langkahnya menerapkan praktik keuangan In its steps to implement sustainable finance
berkelanjutan dalam menjalankan bisnis usaha, Bank practices in running the business, Bank NTT develops
NTT menyusun dan merumus strategi keberlanjutan and formulates a sustainability strategy by always
dengan senantiasa berpegang pada komitmen adhering to the commitment to continue focusing
untuk terus berfokus pada isu-isu keuangan daerah. on regional financial issues. Therefore, the Inclusive
Oleh karena itu, Prinsip Inklusif diterapkan melalui Principle is applied through the provision of people-
penyediaan produk perbankan berbasis kerakyatan, based banking products, including Micro Small
antara lain Kredit Usaha Mikro Kecil (KUMK), Kredit Business Credit (KUMK), Independent Micro Credit in
Mikro Merdeka di sektor Pertanian, Peternakan, the Agriculture, Livestock, Fisheries & Marine, Tourism
Perikanan & Kelautan, Pariwisata & Ekonomi Kreatif, & Creative Economy sectors, Multi Business Credit,
Kredit Multiusaha, Kredit Multiusaha RC, Kredit RC Multi Business Credit, Multipurpose Credit, Home
Multiguna, Kredit Pemilikan Rumah dengan Fasilitas Ownership Credit with Housing Financing Liquidity
Likuiditas Pembiayaan Perumahan (KPR FLPP), Kredit Facility (KPR FLPP), Commercial Home Ownership
Pemilikan Rumah Komersil . Di tengah perkembangan Credit. In the midst of increasingly dynamic business
bisnis yang kian dinamis dengan persaingannya developments with increasingly fierce competition,
yang kian ketat, Bank NTT turut mengusung berbagai Bank NTT also carries various products and services to
produk dan layanan guna memperkuat daya tahan strengthen the Bank’s resilience and competitiveness
dan daya saing Bank dalam industri perbankan, in the banking industry, including Smart Branch, Be
antara lain Smart Branch, Be Pung mobile , peserta Pung mobile, BI-Fast participants, 9 local taxes,
BI-Fast, 9 pajak daerah, e-Ticketing, Monitoring e-Ticketing, Online PAD Monitoring Off Street Parking,
PAD Online Parkir Off Street, e-Retribusi, dan Surat e-Retribution, and Online Disbursement Order (SP2D),
Perintah Pencairan Dana (SP2D) Online, CMS, Digital CMS, Digital Loan, COB (Customer On Boarding), LOS
Loan, COB (Customer On Boarding), LOS (Loan (Loan Origination System), KKPD (Local Government
Origination System), KKPD (Kartu Kredit Pemerintah Credit Card).
Daerah).
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112 BANK NTT Laporan Keberlanjutan 2024 Peran serta bank NTT dalam turut meningkatkan Bank NTT’s role in helping to improve the quality of kualitas penerapan keuangan berkelanjutan berasas sustainable finance implementation is based on pada penerapan Prinsip Pengembangan sektor the implementation of the Priority Leading Sector unggulan prioritas dengan menyasar berbagai Development Principle by targeting various priority sektor prioritas yang mencakup pembangunan sectors including infrastructure development, infrastruktur, sektor ekonomi potensial daerah, sektor potential regional economic sectors, highly industri berdaya saing tinggi, sektor pertanian, competitive industrial sectors, agricultural sectors, sektor perdagangan serta sektor pariwisata. Sampai trade sectors and tourism sectors. Until 2024, Bank dengan tahun 2024, Bank NTT turut berkontribusi NTT has contributed to syndicated financing for dalam Pembiayaan sindikasi pada pembangunan the construction of toll road infrastructure with a infrastruktur jalan tol dengan plafond sebesar Rp. ceiling of IDR 186 billion, syndicated financing for 186 Milyar, Pembiayaan Sindikasi pada Energi Baru new renewable energy for micro hydro power plants Terbarukan untuk Pembangkit Listrik Tenaga Mikro (PLTMH) of IDR 1.3 billion, syndicated financing Hidro (PLTMH) sebesar 1,3 Milyar , Pembiayaan for paper factories of IDR 213 billion, syndicated Sindikasi pada Pabrik Kertas sebesar 213 Milyar, financing for broadcasting media and entertainment Pembiayaan Sindikasi pada Media Penyiaran dan (MNC Group) of IDR 68 billion, and also for financing Entertainment (MNC Group) sebesar 68 Milyar, dan the tourism ecosystem through Bank NTT’s fostered juga untuk Pembiayaan Ekosistem Pariwisata melalui villages, Popela microfinance in the fields of animal Desa Binaan Bank NTT, Pembiayaan Mikro Popela husbandry, agriculture, credit for clean water supply di Bidang Peternakan, Pertanian, Kredit Sarana and sanitation facilities (KSPAMS). Penyediaan Air Bersih dan Sanitasi (KSPAMS). Penerapan prinsip berkelanjutan turut dilakukan The implementation of sustainable principles is also dalam internal Bank NTT yang diperkuat melalui carried out within Bank NTT which is strengthened implementasi Prinsip Tata Kelola dengan sarana through the implementation of Governance transparansi penyediaan informasi produk dan Principles by means of transparency in the provision layanan kepada nasabah (transparency), kejelasan of product and service information to customers fungsi dan tanggung jawab seluruh organ Bank (transparency), clarity of functions and responsibilities (accountability), tanggung jawab terhadap seluruh of all Bank organs (accountability), responsibility to pemangku kepentingan (responsibility), praktik all stakeholders (responsibility), independent and dan kegiatan usaha yang independen dan bebas intervention-free business practices and activities intervensi (independency), dan pemenuhan hak dan (independency), and fulfillment of rights and kewajiban berdasarkan asas kewajaran bagi seluruh obligations based on the principle of fairness for all pemangku kepentingan (fairness). stakeholders (fairness). Bank NTT meyakini bahwa aspek keterlibatan Bank NTT believes that the aspect of stakeholder pemangku kepentingan (people dan planet) involvement (people and planet) plays a role in berperan serta menunjang tingkat keberhasilan supporting the level of success and success of the dan kesuksesan Perusahaan di samping aspek Company in addition to the aspect of economic
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
keberhasilan ekonomi (economy). Berangkat dari success (economy). Starting from this thought,
pemikiran tersebut, Bank NTT sebagai entitas usaha Bank NTT as a business entity in the banking sector
di bidang perbankan turut mendukung tercapainya also supports the achievement of Sustainable
tujuan pembangunan berkelanjutan (Sustainable Development Goals (SDG’s) as a tangible
Development Goals – SDG’s) sebagai wujud nyata manifestation of Bank NTT’s commitment to always
dari komitmen Bank NTT yang senantiasa berupaya strive to bring harmony between economic, social,
menghadirkan harmoni antara kepentingan ekonomi, and environmental interests in all of the Company’s
sosial, serta lingkungan hidup dalam seluruh aktivitas operational activities.
operasional Perusahaan.
Guna terus meningkatkan kontribusi terhadap In order to continue to increase its contribution to the
tercapainya pembangunan berkelanjutan, Bank achievement of sustainable development, Bank NTT
NTT telah mengusung sejumlah inisiatif dan strategi has carried out a number of initiatives and business
bisnis yang mendorong pembangunan Provinsi Nusa strategies that encourage the development of East
Tenggara Timur, antara lain pengembangan sektor Nusa Tenggara Province, including the development
UMKM, penguatan inklusi keuangan, pemberian of the MSME sector, strengthening financial inclusion,
fasilitas pembangunan infrastruktur, keterlibatan providing infrastructure development facilities,
dalam pelestarian lingkungan, serta penciptaan involvement in environmental conservation, and
praktik ketenagakerjaan yang adil dan layak. creating fair and decent labor practices.
Struktur grup dan komposisi Group structure and
pemegang saham composition
Saham Bank NTT
Bank NTT Share
SAHAM SERI A SAHAM SERI B
Series A Shares Series B Shares
99,92% 0,08%
PEMPRON NTT KOTA KUPANG PEMKAB SE NTT
PEMPROV NTT KUPANG CITY PEMKAB SE NTT
27,81% 5,63% 66,48%
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BANK NTT Laporan Keberlanjutan 2024
Struktur Organisasi Organizational Structure
RUPS
GMS
DEWAN KOMISARIS
Board of
Commissioners
KOMITE
DIREKTUR UTAMA PEMANTAU RISIKO
Risk Monitoring Committee
Presiden Director
KOMITE REMUNERASI
& NOMINASI
Remuneration &
Nomination Committee
DIREKTUR TEKNOLOGI DIREKTUR DANA & TREASURY
DIREKTUR KEPATUHAN DIREKTUR KREDIT KOMITE AUDIT
INFORMASI & OPERASIONAL
Director of Compliance Director of Director of Credit Audit Committee
Director of Information Funds & Treasury
Technology & Operations
KOMITE IT
IT Committee
DIVISI CORPORATE DIVISI SUMBER DAYA DIVISI TREASURY & DIVISI KREDIT MIKRO,
SECRETARY MANUSIA DIVISI KEPATUHAN INTERNASIONAL KECIL & KONSUMER
Corporate Secretary Human Resource Compliance Division Treasury & International Micro, Small & Consumer KOMITE
& Legal Division Division Division Credit Division MANAJEMEN RISIKO
Risk Management
Committee
DIVISI DIVISI MANAJEMEN DIVISI KREDIT
PENGAWASAN & SKAI DIVISI UMUM DIVISI DANA & JASA MENENGAH & KOMERSIL STAF DIREKSI
RISIKO
Supervisory & SKAI Risk Management Funds & Services Medium & Commercial Staff of Board of
General Affair Division Directors KOMITE ALCO
Division Division Division Credit Division
ALCO Committee
DIVISI RISET & DIVISI KREDIT
PENGEMBANGAN DIVISI OPERASIONAL
SUPPORTING KREDIT
Research & Operations Division Supporting Credit KOMITE KREDIT
Development Division Division Credit Committee
CABANG KELAS A DIVISI TEKNOLOGI DIVISI PENYELAMATAN &
Branch Class A INFORMASI PENYELESAIAN KREDIT KOMITE SDM
Information & Rescue & Finishing HR Committee
CABANG KELAS B Technology Division Credit Division
Branch Class B
CABANG KELAS C
Branch Class C
CAPEM KELAS ABC
Branch Class ABC
Bank NTT memiliki rantai pasokan yang terdiri dari Bank NTT has a supply chain consisting of two
dua produk, yakni Barang dan Jasa. Rantai pasokan products, namely Goods and Services. The supply
barang dan jasa tersebut memiliki ruang lingkup chain of goods and services has a scope consisting
yang terdiri dari: • Pemasok Barang dan Jasa, of: - Suppliers of Goods and Services, Office,
Perkantoran, Teknologi Informasi, dan Konstruksi • Information Technology, and Construction - Sales
Jasa Keperluan Penjualan, Kebersihan, Tranportasi, Supplies, Cleaning, Transportation, and Other
dan Jasa Lainnya. Services.
Pangsa Pasar Market Share
Menjadi Bank Daerah terkemuka dan terdepan Becoming a leading and leading Regional Bank
serta menjadi bank kebanggaan masyarakat and becoming a bank of pride for the community
menjadi bagain dari komitmen Perusahaan yang is part of the Company’s commitment that is
senantiasa dipegang teguh dan diwujudkan oleh always held firmly and realized by Bank NTT as one
Bank NTT sebagai salah satu Bank Pembangunan of the Regional Development Banks in Indonesia.
Daerah di Indonesia. Oleh karena itu, melalui Therefore, through a high commitment in upholding
komitmen yang tinggi dalam menjunjung tinggi integrity and professionalism in providing services to
integritas dan profesionalisme dalam memberikan the community, Bank NTT always contributes and
pelayanan kepada masyarakat, Bank NTT dedicates in encouraging regional development. The
senantiasa memberikan kontribusi dan dedikasi Company’s commitment in prioritizing services to the
dalam mendorong pembangunan daerah. community is proven by the trust of the community,
Komitmen Perusahaan dalam mengutamakan especially the people of NTT to Bank NTT as a leading
pelayanan kepada masyarakat terbukti dengan banking entity that has a good reputation and
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
adanya kepercayaan dari masyarakat, terutama prudential banking principles. In addition, various
masyarakat NTT kepada Bank NTT sebagai entitas awards and certifications obtained by Bank NTT as
perbankan terkemuka yang memiliki reputasi one of the BPDs also reflect Bank NTT’s position in the
baik dan berprinsip prudential banking. Selain regional banking industry which has a good financial
itu, berbagai penghargaan dan sertifikasi yang and operational reputation.
diperoleh Bank NTT sebagai salah satu BPD turut
mencerminkan kedudukan Bank NTT di industri
perbankan daerah yang memiliki reputasi keuangan
maupun operasional yang baik.
Pada tahun 2024, Bank NTT berhasil mencatatkan In 2024, Bank NTT managed to record a market share
pangsa pasar sebesar 34,212%, dilihat dari of 34.212%, seen from the collection of Third Party
penghimpunan Dana Pihak Ketiga (DPK). Dalam Funds (TPF). In running its business, Bank NTT has an
menjalankan usahanya, Bank NTT memiliki wilayah operational area covering the provinces of East Nusa
operasional yang meliputi wilayah Provinsi Nusa Tenggara and East Java with a network of offices
Tenggara Timur dan Jawa Timur dengan jaringan spread across all cities and districts in East Nusa
kantor tersebar di seluruh kota dan kabupaten di Tenggara and Surabaya (KCP Mobile). Bank NTT
Nusa Tenggara Timur serta Surabaya (KCP Mobile). always serves general customers by implementing
Bank NTT senantiasa melayani nasabah umum the provisions and regulations issued by the Financial
dengan menerapkan ketentuan dan peraturan yang Services Authority. In order to optimize the market
dikeluarkan oleh Otoritas Jasa Keuangan. Guna share that has been owned, Bank NTT is committed to
mengoptimalkan pangsa pasar yang telah dimiliki, continuing to move in improving the implementation
Bank NTT berkomitmen untuk terus bergerak dalam of the prudential principle in every business activity
meningkatkan implementasi prinsip kehati-hatian and line of business and always implementing various
dalam setiap kegiatan usaha dan lini bisnisnya serta strategic steps that have been set by the Company
senantiasa menerapkan berbagai langkah strategis at the beginning of the year.
yang telah ditetapkan Perusahaan pada awal tahun.
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BANK NTT Laporan Keberlanjutan 2024
Wilayah Operasional Operational Area
Kala Bahi
P. ADONARA
PULAU PULAU ALOR
KOMODO P. BESAR
Larantuka
PULAU FLORES
Maumere P. SOLOR P. LEMBATA P. PANTAR
Labuan Bajo Ruteng Ende
Bajawa
Atambua
P. ENDE
Malaka
Kefamamanu
Waitabula
Waikabubak
NUSA TENGGARA TIMUR PULAU TIMOR
Waingapu
Anakalang Soe
PULAU SUMBA
Oelamasi
Kupang
Seba
PULAU ROTE
PULAU SAWU
Ba'a
Bank NTT memiliki wilayah operasional yang Bank NTT has an operational area that covers all cities
mencakup seluruh kota dan kabupaten di NTT and districts in NTT with an office network spread
dengan jaringan kantor tersebar di seluruh wilayah throughout the province of East Nusa Tenggara and
Provinsi Nusa Tenggara Timur dan Surabaya. Kantor Surabaya. The Head Office of Bank NTT is located in
Pusat Bank NTT berlokasi di kota Kupang yang the city of Kupang at Jln WJ Lalamentik No.102, East
beralamat di Jalan Jln WJ Lalamentik No.102, Nusa Nusa Tenggara.
Tenggara Timur.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Tata kelola Berkelanjutan
Sustainable Governance
Sebagai salah satu Badan Usaha Milik Daerah, Bank As one of the Regional-Owned Enterprises, Bank
NTT senantiasa mengedepankan keberadaan tata NTT always prioritizes the existence of corporate
kelola perusahaan melalui implementasi prinsip- governance through the implementation of Good
prinsip Good Corporate Governance (GCG) ke dalam Corporate Governance (GCG) principles into all
seluruh lini bisnis usaha. Tata kelola perusahaan lines of business. Corporate governance acts as
berperan sebagai pengatur keseimbangan dari a regulator of the balance of functions and roles
fungsi serta peran antara pemegang saham dan between shareholders and stakeholders in the
pemangku kepentingan dalam aktivitas bisnis Company’s business activities. The Company
Perusahaan. Perusahaan menyelenggarakan tata organizes governance in operational activities based
kelola dalam aktivitas operasional berdasarkan on best practices principles as a form of compliance
prinsip best practices sebagai bentuk kepatuhan with applicable laws and regulations, as a tangible
terhadap peraturan perundang-undangan manifestation of the Company’s responsibility to
yang berlaku, sebagai wujud nyata tanggung achieve the Company’s vision, mission and objectives,
jawab Perusahaan untuk mencapai visi, misi, and as a form of the Company’s efforts to fulfill the
dan tujuan Perusahaan, serta sebagai bentuk interests of shareholders and stakeholders. Therefore,
upaya Perusahaan dalam memenuhi kepentingan Bank NTT always moves to increase its commitment
pemegang saham dan pemangku kepentingan. to the implementation of GCG in every business
Oleh karena itu, Bank NTT senantiasa bergerak untuk activity carried out at all levels of the company’s
meningkatkan komitmen dalam penerapan GCG di organization.
setiap aktivitas usaha yang dijalankan di seluruh
lapisan organisasi perusahaan.
Selain itu, guna kian mengoptimalkan implementasi In addition, to further optimize the implementation
GCG, Perusahaan turut mengacu pada Peraturan of GCG, the Company also refers to the Financial
Otoritas Jasa Keuangan Nomor 55/POJK.03/2016 Services Authority Regulation Number 55/
tanggal 7 Desember 2016 tentang Penerapan POJK.03/2016 dated December 7, 2016 concerning
Tata Kelola bagi Bank Umum, Surat Edaran Bank the Implementation of Governance for Commercial
Indonesia Nomor 15/15/DPNP/2013, Perusahaan Banks, Bank Indonesia Circular Letter Number 15/15/
menjadikan prinsip-prinsip dasar tata kelola DPNP/2013, the Company makes the basic principles
perusahaan sebagai fondasi Perusahaan dalam of corporate governance as the Company’s
menerapkan GCG sekaligus sebagai pembaharuan foundation in implementing GCG as well as an
implementasi GCG Perusahaan di masa mendatang. update of the Company’s GCG implementation in
Prinsip-prinsip tersebut mencakup Transparansi, the future. These principles include Transparency,
Independensi, Akuntabilitas, Pertanggungjawaban, Independence, Accountability, Responsibility, and
dan Kewajaran. Fairness.
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BANK NTT Laporan Keberlanjutan 2024
Roadmap Tata Kelola Sustainable Governance
Berkelanjutan Roadmap
Bank NTT telah menyusun rencana penerapan Bank NTT has prepared a GCG implementation plan
GCG sebagai acuan sekaligus pedoman bagi as a reference and guideline for all organs of Bank
seluruh organ Bank NTT guna mewujudkan tata NTT to realize sustainable corporate governance.
kelola perusahaan yang berkelanjutan. Keberadaan The existence of the GCG roadmap plays a role in
roadmap GCG berperan dalam mewujudkan realizing effective GCG implementation in all lines of
implementasi GCG yang efektif di seluruh lini usaha the Company’s business, both now and in the future.
Perusahaan, baik di masa kini maupun di masa In addition, the roadmap serves as a milestone in
mendatang. Selain itu, roadmap berperan sebagai achieving the development of GCG implementation
tonggak sejarah pencapaian perkembangan with continuous updates to meet the interests of all
implementasi GCG dengan pembaharuan stakeholders.
senantiasa dilakukan guna memenuhi kepentingan
seluruh pemangku kepentingan.
Struktur Tata Kelola Sustainable Governance
Berkelanjutan [GRI 102-18] Structure [GRI 102-18]
Bank NTT memiliki struktur tata kelola yang terdiri Bank NTT has a governance structure consisting
dari Rapat Umum Pemegang Saham (RUPS), Dewan of the General Meeting of Shareholders (GMS),
Komisaris, dan Direksi sebagai organ tertinggi dalam the Board of Commissioners, and the Board of
struktur organisasi Perusahaan berdasarkan Undang- Directors as the highest organ in the Company’s
Undang Nomor 40 Tahun 2007 tentang Perseroan organizational structure based on Law Number 40
Terbatas. Selain organ tertinggi, Perusahaan memiliki of 2007 concerning Limited Liability Companies. In
komite-komite dan divisi-divisi yang keberadaannya addition to the highest organ, the Company has
menunjang pelaksanaan tugas Dewan Komisaris committees and divisions whose existence supports
dan Direksi. Komite yang berperan mendukung the implementation of the duties of the Board of
pelaksanaan tugas Dewan Komisaris adalah Komite Commissioners and Directors. The committees
Audit, Komite Nominasi dan Remunerasi, serta Komite that support the Board of Commissioners are the
Pemantau Risiko, sementara komite yang berperan Audit Committee, Nomination and Remuneration
mendukung pelaksanaan tugas Direksi adalah Committee, and Risk Monitoring Committee, while
Komite Kebijakan Perkreditan, Komite Manajemen the committees that support the Board of Directors
Risiko, Komite Teknologi Informasi. are the Credit Policy Committee, Risk Management
Committee, and Information Technology Committee.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Komposisi Organ Tata Composition Of Sustainable
Kelola Berkelanjutan [GRI Governance Organs [GRI
102-22, GRI 102-23] 102-22, GRI 102-23]
Rapat Umum Pemegang Saham General Meeting Of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is the
Organ tertinggi Perusahaan yang mempunyai highest organ of the Company that has authority that
wewenang yang tidak diberikan kepada Direksi is not given to the Board of Directors or the Board of
atau Dewan Komisaris dalam batas yang ditentukan Commissioners within the limits specified in the Law on
dalam Undang-Undang tentang Perseroan Limited Liability Companies and/or the Company’s
Terbatas dan/atau Anggaran Dasar Perusahaan. Articles of Association. The implementation of the
Penyelenggaraan RUPS di Bank NTT dilaksanakan GMS at Bank NTT is carried out fairly, transparently
secara wajar, transparan dan memperhatikan hak- and with due regard to the rights of shareholders as
hak pemegang saham sebagaimana diatur dalam stipulated in the Company’s Articles of Association.
Anggaran Dasar Perusahaan. Selama tahun 2024, During 2024, Bank NTT held 2 (two) Annual GMS and
Bank NTT menyelenggarakan 2 (dua) kali RUPS Extraordinary GMS (EGMS-EGMS) which were held on
Tahunan dan RUPS Luar Biasa (RUPS-LB) yang May 8, 2024 & Extraordinary GMS (EGMS-EGMS) on
diselenggarakan pada Tanggal 08 Mei 2024 & RUPS November 16, 2024 in Kupang.
Luar Biasa (RUPS-LB) pada Tanggal 16 November
2024 di Kupang.
Dewan Komisaris Board Of Commissioners
Dewan Komisaris berperan sebagai salah satu organ The Board of Commissioners acts as one of the highest
tertinggi dalam Perusahaan yang menjalankan organs in the Company that carries out the function
fungsi pengawasan dan pemberian nasihat kepada of supervision and providing advice to the Board
Direksi terkait aspek-aspek pengelolaan Perusahaan of Directors regarding aspects of the Company’s
sebagaimana diatur dalam Undang-Undang management as stipulated in Law Number 40 of
Nomor 40 Tahun 2007 tentang Perseroan Terbatas, 2007 concerning Limited Liability Companies, the
Anggaran Dasar, Peraturan Otoritas Jasa Keuangan Articles of Association, the Financial Services Authority
mengenai Penerapan Tata Kelola bagi Bank Umum, Regulation concerning the Implementation of
dan peraturan internal PT Bank Pembangunan Governance for Commercial Banks, and the internal
Daerah NTT. Dalam melaksanakan tugasnya, regulations of PT Bank Pembangunan Daerah NTT. In
Dewan Komisaris bertanggung jawab kepada RUPS carrying out its duties, the Board of Commissioners
sebagai wujud penciptaan nilai akuntabilitas dalam is responsible to the GMS as a form of creating
pengawasan pengelolaan Perusahaan berdasarkan accountability values in supervising the management
prinsip prinsip GCG. Hingga 31 Desember 2024, of the Company based on GCG principles. Until
susunan dan komposisi Dewan Komisaris Bank December 31, 2024, the composition of the Board of
NTT terdiri dari 1 (satu) orang, terdiri dari Komisaris Commissioners of Bank NTT consists of 1 (one) person,
Independen. consisting of an Independent Commissioner.
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BANK NTT Laporan Keberlanjutan 2024
Komposisi Dewan Komisaris Bank NTT di tahun buku The composition of the Board of Commissioners
2024 diatur berdasarkan ketentuan sebagai berikut: of Bank NTT in the 2024 financial year is regulated
based on the following provisions:
1. Berita Acara Rapat Umum Pemegang Saham 1. Minutes of the Annual General Meeting of
Tahunan Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 12 Tanggal 8 Mei 2024 yang dibuat Notaris Timur” Number: 12 Dated May 8, 2024 made by
Emmanuel Mali. SH.,MH; Notary Emmanuel Mali. SH.,MH;
2. Berita Acara Rapat Umum Pemegang Saham 2. Minutes of the Extraordinary General Meeting of
Luar Biasa Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 13 Tanggal 8 Mei 2024 yang dibuat Notaris Timur” Number: 13 Dated May 8, 2024 made by
Emmanuel Mali. SH.,MH; Notary Emmanuel Mali. SH.,MH;
3. Berita Acara Rapat Umum Pemegang Saham 3. Minutes of the Extraordinary General Meeting of
Luar Biasa Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 18 Tanggal 27 November 2024 yang Timur” Number: 18 Dated November 27, 2024
dibuat Notaris Serlina Sari Dewi Darmawan. made by Notary Serlina Sari Dewi Darmawan.
SH.,MH; SH.,MH;
4. Keputusan Gubernur Nusa Tenggara Timur/ 4. Decree of the Governor of East Nusa
Pemegang Saham Pengendali PT. Bank Tenggara/Controlling Shareholder of PT. Bank
Pembangunan Daerah Nusa Tenggara Timur Pembangunan Daerah Nusa Tenggara Timur
Nomor: 387/KEP/HK/2024 tanggal 16 November Number: 387/KEP/HK/2024 dated November 16,
2024 tentang Pengangkatan Saudara Frans 2024 concerning the Appointment of Mr. Frans
Gana sebagai Komisaris Independen Perseroan Gana as Independent Commissioner of the
Terbatas Bank Pembangunan Daerah Nusa Limited Liability Company Bank Pembangunan
Tenggara Timur; Daerah Nusa Tenggara Timur;
Sehingga komposisi Dewan Komisaris dapat So that the composition of the Board of
dinyatakan sebagai berikut: Commissioners can be stated as follows:
Nama Jabatan Masa Jabatan
Name Position Length of service
Frans Gana Komisaris Independen 16 November 2024 – 10 Juni 2029
Independent Commissioner November 16, 2024 – June 10, 2029
Semua anggota Dewan Komisaris Bank NTT memiliki All members of the Board of Commissioners of Bank
integritas, kompetensi dan reputasi yang baik. Hal NTT have integrity, competence and good reputation.
tersebut dibuktikan dengan uji kompetensi yang This is proven by the competency test required by
disyaratkan oleh Otoritas Jasa Keuangan (OJK) the Financial Services Authority (OJK) through a fit
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
melalui fit and proper test serta telah memenuhi and proper test and have met the provisions of the
ketentuan Otoritas Jasa Keuangan (OJK), antara Financial Services Authority (OJK), including:
lain:
1. Semua anggota Dewan Komisaris berdomisili di 1. All members of the Board of Commissioners are
Indonesia; domiciled in Indonesia;
2. Penggantian dan/atau pengangkatan Dewan 2. Replacement and/or appointment of the Board
Komisaris oleh RUPS; of Commissioners by the GMS;
3. Semua Anggota Dewan Komisaris telah lulus 3. All members of the Board of Commissioners have
penilaian kemampuan dan kepatutan; dan passed the fit and proper assessment; and
4. Tidak ada anggota Dewan Komisaris yang 4. No member of the Board of Commissioners has a
saling memiliki hubungan keluarga sampai family relationship up to the second degree with
derajat kedua dengan sesama anggota Dewan fellow members of the Board of Commissioners
Komisaris dan/atau anggota Direksi. and/or members of the Board of Directors.
Direksi Board of Directors
Sebagaimana diatur dalam Undang-Undang As stipulated in Law Number 40 of 2007 concerning
Nomor 40 Tahun 2007 tentang Perseroan Terbatas, Limited Liability Companies, the Board of Directors is
Direksi merupakan salah satu organ tertinggi dalam one of the highest organs in the Company that carries
Perusahaan yang menjalankan fungsi pengurusan out the functions of managing and administering the
dan pengelolaan Perusahaan dan melaksanakan Company and implementing GCG principles in all
prinsip-prinsip GCG di seluruh kegiatan usaha business activities and all levels of the organization. In
dan seluruh jenjang organisasi. Guna membantu order to assist in the implementation of its duties and
pelaksanaan tugas dan tanggung jawabnya, responsibilities, the Board of Directors has formed
Direksi membentuk komite-komite, yakni Komite committees, namely the Asset Liability Committee,
Aktiva Pasiva, Komite Pengarah Teknologi Informasi, Information Technology Steering Committee, Credit
Komite Kebijakan Perkreditan, Komite Kebijakan Policy Committee, Financing Policy Committee, Risk
Pembiayaan, Komite Manajemen Risiko, Sekretaris Management Committee, Corporate Secretary,
Perusahaan, Divisi Audit Internal, Divisi Manajemen Internal Audit Division, Risk Management Division,
Risiko, dan Divisi Kepatuhan Hukum. Informasi lebih and Legal Compliance Division. More detailed
rinci mengenai tugas dan tanggung jawab Direksi, information regarding the duties and responsibilities
penilaian terhadap kinerja Direksi beserta Komite- of the Board of Directors, the assessment of the
komitenya, serta pelaksanaan tugas Direksi pada performance of the Board of Directors and its
tahun buku tercantum dalam Laporan Tahunan Bank Committees, and the implementation of the Board
NTT Tahun 2024. Hingga 31 Desember 2024, susunan of Directors’ duties in the financial year are stated in
dan komposisi Direksi Bank NTT terdiri dari 3 (tiga) the Bank NTT Annual Report for 2024. Until December
orang, di mana 1 (satu) orang menjabat sebagai Plt. 31, 2024, the composition of the Board of Directors of
Direktur Utama. Bank NTT consists of 3 (three) people, of which 1 (one)
person serves as Acting President Director
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BANK NTT Laporan Keberlanjutan 2024
Komposisi Direksi pada tahun 2024 ini didasarkan The composition of the Board of Directors in 2024 is
pada: based on:
1. Berita Acara Rapat Umum Pemegang Saham 1. Minutes of the Annual General Meeting of
Tahunan Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 12 Tanggal 8 Mei 2024 yang dibuat Notaris Timur” Number: 12 Dated May 8, 2024 made by
Emmanuel Mali. SH.,MH; Notary Emmanuel Mali. SH.,MH;
2. Berita Acara Rapat Umum Pemegang Saham 2. Minutes of the Extraordinary General Meeting of
Luar Biasa Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 13 Tanggal 8 Mei 2024 yang dibuat Notaris Timur” Number: 13 Dated May 8, 2024 made by
Emmanuel Mali. SH.,MH; Notary Emmanuel Mali. SH.,MH;
3. Berita Acara Rapat Umum Pemegang Saham 3. Minutes of the Extraordinary General Meeting of
Luar Biasa Perseroan Terbatas “PT. Bank Shareholders of the Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur” “PT. Bank Pembangunan Daerah Nusa Tenggara
Nomor: 18 Tanggal 27 November 2024 yang Timur” Number: 18 Dated November 27, 2024
dibuat Notaris Serlina Sari Dewi Darmawan. made by Notary Serlina Sari Dewi Darmawan.
SH.,MH; SH.,MH;
4. Keputusan Gubernur Nusa Tenggara Timur/ 4. Decree of the Governor of East Nusa Tenggara/
Pemegang Saham Pengendali PT. Bank Controlling Shareholder of PT. Bank Pembangunan
Pembangunan Daerah Nusa Tenggara Daerah Nusa Tenggara Timur Number: 437/KEP/
Timur Nomor: 437/KEP/HK/2021 tanggal 29 HK/2021 dated December 29, 2021 concerning the
Desember 2021 tentang Pengangkatan Saudara Appointment of Mr. Christofel Semuel Melianus
Christofel Semuel Melianus Adoe sebagai Adoe as Compliance Director of Limited Liability
Direktur Kepatuhan Perseroan Terbatas Bank Company Bank Pembangunan Daerah Nusa
Pembangunan Daerah Nusa Tenggara Timur Tenggara Timur Term of Service December 29,
Masa Bakti 29 Desember 2021 – 28 Desember 2021 – December 28, 2026;
2026;
5. Keputusan Gubernur Nusa Tenggara Timur/ 5. Decree of the Governor of East Nusa
Pemegang Saham Pengendali PT. Bank Tenggara/Controlling Shareholder of PT. Bank
Pembangunan Daerah Nusa Tenggara Timur Pembangunan Daerah Nusa Tenggara Timur
Nomor: 388/KEP/HK/2024 tanggal 16 November Number: 388/KEP/HK/2024 dated November 16,
2024 tentang Pengangkatan Saudara Yohanis 2024 concerning the Appointment of Mr. Yohanis
Landu Praing (Direktur Teknologi Informasi Landu Praing (Director of Information Technology
dan Operasional Perseroan Terbatas Bank and Operations of Limited Liability Company
Pembangunan Daerah Nusa Tenggara Timur) Bank Pembangunan Daerah Nusa Tenggara
sebagai Pelaksana Tugas Direktur Utama Timur) as Acting President Director of Limited
Perseroan Terbatas Bank Pembangunan Daerah Liability Company Bank Pembangunan Daerah
Nusa Tenggara Timur; Nusa Tenggara Timur;
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
6. Keputusan Gubernur Nusa Tenggara Timur/ 6. Decree of the Governor of East Nusa
Pemegang Saham Pengendali PT. Bank Tenggara/Controlling Shareholder of PT. Bank
Pembangunan Daerah Nusa Tenggara Timur Pembangunan Daerah Nusa Tenggara Timur
Nomor: 389/KEP/HK/2024 tanggal 16 November Number: 389/KEP/HK/2024 dated 16 November
2024 tentang Pengangkatan Saudara Hilarius 2024 concerning the Appointment of Mr. Hilarius
Minggu (Direktur Dana dan Treasury Perseroan Minggu (Director of Funds and Treasury of the
Terbatas Bank Pembangunan Daerah Nusa Limited Liability Company Bank Pembangunan
Tenggara Timur) sebagai Pelaksana Tugas Daerah Nusa Tenggara Timur) as Acting Director
Direktur Kredit Perseroan Terbatas Bank of Credit of the Limited Liability Company Bank
Pembangunan Daerah Nusa Tenggara Timur; Pembangunan Daerah Nusa Tenggara Timur;
7. Keputusan Gubernur Nusa Tenggara Timur/ 7. Decree of the Governor of East Nusa Tenggara/
Pemegang Saham Pengendali PT. Bank Controlling Shareholder of PT. Bank Pembangunan
Pembangunan Daerah Nusa Tenggara Timur Daerah Nusa Tenggara Timur Number: 172/KEP/
Nomor: 172/KEP/HK/2024 tanggal 8 Mei 2024 HK/2024 dated 8 May 2024 concerning the
tentang Pemberhentian dengan Hormat Saudara Honorable Dismissal of Mr. Hilarius Minggu from
Hilarius Minggu dari Jabatan Direktur Teknologi the Position of Director of Information Technology
Informasi dan Operasional Perseroan Terbatas and Operations of the Limited Liability Company
Bank Pembangunan Daerah Nusa Tenggara Bank Pembangunan Daerah Nusa Tenggara
Timur dan Pengangkatan Saudara Hilarius Timur and the Appointment of Mr. Hilarius Minggu
Minggu sebagai Direktur Dana dan Treasury as Director of Funds and Treasury of the Limited
Perseroan Terbatas Bank Pembangunan Daerah Liability Company Bank Pembangunan Daerah
Nusa Tenggara Timur Masa Bakti 8 Mei 2024 – 24 Nusa Tenggara Timur for the Term of Service 8
Mei 2028; May 2024 – 24 May 2028;
8. Keputusan Gubernur Nusa Tenggara Timur/ 8. Decree of the Governor of East Nusa Tenggara/
Pemegang Saham Pengendali PT. Bank Controlling Shareholder of PT. Bank Pembangunan
Pembangunan Daerah Nusa Tenggara Timur Daerah Nusa Tenggara Timur Number: 393/KEP/
Nomor: 393/KEP/HK/2024 tanggal 20 November HK/2024 dated 20 November 2024 concerning
2024 tentang Pengangkatan Saudara Yohanis the Appointment of Mr. Yohanis Landu Praing
Landu Praing sebagai Direktur Teknologi as Director of Information Technology and
Informasi dan Operasional Perseroan Terbatas Operations of the Limited Liability Company Bank
Bank Pembangunan Daerah Nusa Tenggara Pembangunan Daerah Nusa Tenggara Timur;
Timur;
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BANK NTT Laporan Keberlanjutan 2024
Dengan demikian komposisi dan nomenklatur Direksi Thus, the composition and nomenclature of the
PT. Bank Pembangunan Daerah Nusa Tenggara Board of Directors of PT. Bank Pembangunan Daerah
Timur dijabarkan sebagai berikut: Nusa Tenggara Timur are described as follows:
Nama Jabatan Masa Jabatan
Name Position Length of service
Yohanis Landu Praing Plt. Direktur Utama/ Direktur TI dan 20 Desember 2024 – 19 Desember 2029
Operasional December 20, 2024 – December 19, 2029
Act. President Director/ IT and
Operations Director
Hilarius Minggu Direktur Dana dan Treasury/ Plt. 8 Mei 2024 – 24 Mei 2028
Direktur Kredit May 8, 2024 – May 24, 2028
Director of Funds and Treasury/ Act.
Director of Credit
Christofel Semuel Melianus Direktur Kepatuhan 29 Desember 2021 – 28 Desember 2026
Adoe Director of Compliance December 29, 2021 – December 28, 2026
Peraturan Otoritas Jasa Keuangan (POJK) No 17 Financial Services Authority Regulation (POJK) No. 17 of
Tahun 2023 tentang Penerapan Tata Kelola bagi Bank 2023 concerning the Implementation of Governance
Umum Bab III Pasal 6 ayat (1) ”Bank wajib memiliki for Commercial Banks Chapter III Article 6 paragraph
Anggota Direksi dengan jumlah paling sedikit 3 (tiga) (1) “Banks are required to have a Board of Directors
orang. Namun komposisi ini tidak memenuhi struktur with a minimum of 3 (three) people. However, this
organisasi Bank dimana terdapat komposisi 5 (lima) composition does not meet the Bank’s organizational
posisi Direksi yaitu Direktur Utama, Direktur Dana & structure where there is a composition of 5 (five) Board
Treasury, Direktur Kredit, Direktur TI & Operasional of Directors positions, namely President Director,
dan Direktur Kepatuhan. Director of Funds & Treasury, Director of Credit, Director
of IT & Operations and Director of Compliance.
Kontribusi Terhadap Contribution To Economic
Pembangunan Ekonomi Development Of East Nusa
Nusa Tenggara Timur [GRI Tenggara [GRI 103-2]
103-2]
BPS mencatatkan ekonomi Nusa Tenggara Timur BPS recorded that the East Nusa Tenggara economy
tahun 2024 tercatat telah tumbuh sebesar 3,03%, in 2023 was recorded to have grown by 4.14%, below
dibawah tingkat pertumbuhan PDB nasional sebesar the national GDP growth rate of 5.05%. As a regional
5,043%. Sebagai bank daerah yang berkomitmen bank that is committed to continuing to support
untuk terus mendukung pembangunan daerah regional development through participation and real
melalui partisipasi dan peran nyata, secara berkala roles, Bank NTT periodically distributes dividends to
Bank NTT membagikan dividen kepada pemegang shareholders who are the NTT Provincial Government
saham yang adalah Pemerintah Provinsi NTT dan and City and Regency Governments throughout
Pemerintah Kota dan Kabupaten se-NTT sebagai NTT as a form of contribution in increasing Regional
bentuk kontribusi dalam meningkatkan Pendapatan Original Revenue. This dividend can then be used by
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Asli Daerah. Dividen ini selanjutnya oleh Pemerintah the NTT Provincial Government as a source of regional
Daerah Provinsi NTT dapat dipergunakan sebagai expenditure income. In 2023, Bank NTT distributed
sumber pendapatan belanja daerah. Pada tahun dividends of Rp 96.382 billion, a 52% decrease from
2024, Bank NTT membagikan dividen sebesar Rp 2022 of Rp 200.315 billion.
154.732 Milyar dan terjadi kenaikan sebesar 61% dari
tahun 2023 sebesar Rp 96.382 Milyar.
PEMBAYARAN DIVIDEN BANK NTT 2024
Bank NTT Dividend Payment 2024
RP 154.732 Milyar/ Billion
Selain melalui pembagian dividen, Bank NTT In addition to dividend distribution, Bank NTT
berkontribusi dalam pembangunan daerah melalui contributes to regional development through
pembayaran pajak daerah dengan tepat waktu. timely payment of local taxes. Bank NTT makes tax
Bank NTTmelakukan pembayaran pajak dengan payments with the right amount and at the right
jumlah yang tepat dan waktu yang tepat sebagai time as a form of fulfilling the Bank’s responsibilities
bentuk pemenuhan tanggung jawab dan kewajiban and obligations and as a form of effort to support
Bank serta sebagai bentuk upaya menunjang regional development.
pembangunan daerah.
Pemberdayaan Pemasok Empowerment Of Local
Lokal [GRI 103-2, GRI 103-3, Suppliers [GRI 103-2, GRI
GRI 204-1] 103-3, GRI 204-1]
Upaya Bank NTT dalam menunjang pertumbuhan Bank NTT’s efforts to support regional economic
dan pembangunan ekonomi daerah dilakukan growth and development are carried out through
melalui kebijakan yang mengatur keterlibatan policies that regulate the involvement of local
pemasok lokal dengan mekanisme kerja sebagai suppliers with work mechanisms as a form of
sebagai wujud penunjang aktivitas operasional supporting the Bank’s operational activities.
Bank.
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126 BANK NTT Laporan Keberlanjutan 2024 Penyediaan Produk Sesuai Provision Of Products In Dengan Kepentingan dan Accordance With Regional Karakter Daerah [GRI 103-2, Interests And Character GRI 203-1, FS-7] [GRI 103-2, GRI 203-1, FS-7] Dalam memberikan dukungan layanan perbankan In providing banking service support for customers, bagi nasabah, Bank NTT senantiasa menyesuaikan Bank NTT always adapts to regional characteristics dengan karakteristik dan kebutuhan daerah and needs as a form of Bank NTT’s commitment to sebagai wujud dari komitmen Bank NTT dalam support sustainable economic growth based on mendukung pertumbuhan ekonomi berkelanjutan Sustainable Development Goals (SDG’s). One of yang berlandaskan Sustainable Development the real contributions of Bank NTT as a Regional Goals (SDG’s). Salah satu kontribusi nyata Bank NTT Development Bank is realized through a service sebagai Bank Pembangunan Daerah direalisasikan provision program that is able to improve the welfare melalui program penyediaan layanan yang mampu of regional communities. The realization of Bank NTT menyejahterakan masyarakat daerah. Wujud in presenting services that are in accordance with the nyata Bank NTT dalam menghadirkan layanan characteristics and interests of the region is carried yang sesuai dengan karakterisik dan kepentingan out through various efforts, including increasing daerah dilakukan melalui berbagai upaya, antara PAD, increasing the portion of deposits, lending, lain peningkatan PAD, peningkatan porsi DPK, and banking services that are able to support the penyaluran kredit, serta layanan perbankan yang decline in economic disparities between urban and mampu menunjang menurunnya kesenjangan rural areas in East Nusa Tenggara. Therefore, Bank ekonomi antara daerah perkotaan dan pedesaan NTT is committed to always move to make efforts to di Nusa Tenggara Timur. Oleh karena itu, Bank NTT alleviate poverty in the midst of the NTT community berkomitmen untuk senantiasa bergerak melakukan which tends to be heterogeneous and the strategic upaya pengentasan kemiskinan di tengah development of Bank NTT’s business which is masyarakat NTT yang cenderung bersifat heterogen directed at 2 (two) achievement of grand strategic serta pengembangan strategis bisnis Bank NTT yang targets, namely: (1) Play an active role in the program diarahkan pada 2 (dua) pencapaian grand target to reduce poverty and unemployment in NTT through strategis yakni : (1) Berperan aktif dalam program productive business financing at the micro, small penurunan angka kemiskinan dan pengangguran di and medium scale. (2) Encourage the creation of NTT melalui pembiayaan usaha produktif pada skala accelerated economic growth through financing usaha mikro, kecil dan menengah. (2) Mendorong public service infrastructure and industrialization of terciptanya percepatan pertumbuhan ekonomi superior commodities in NTT. melalui pembiayaan infrastruktur pelayanan publik dan industrilisasi komoditi unggulan di NTT. Guna merealisasikan hal tersebut, Perusahaan telah To realize this, the Company has released Merdeka merilis Kredit Mikro Merdeka sebagai solusi cerdas Micro Credit as a smart financing solution against pembiayaan melawan rentenir serta sebagai bentuk loan sharks and as a form of credit financing
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
inisiatif produk pembiayaan kredit untuk Pelaku product initiative for Micro Business Actors in East
Usaha Mikro se-NTT dengan proses pengajuan Kredit Nusa Tenggara with a Cheap, Fast and Easy Credit
yang Murah, Cepat dan Mudah dengan bunga 0%. application process with 0% interest.
Selain itu juga ada Program Desa Binaan Bank NTT In addition, there is also the Bank NTT Assisted
yang tercatat sejumlah 138 desa yang tersebar di Village Program, which is recorded at 138 villages
seluruh wilayah NTT, Program Ekosistem Pembiayaan spread throughout the NTT region, the Tanam
Tanam Jagung Panen Sapi (TJPS), Pembiayaan Air Jagung Panen Sapi (TJPS) Financing Ecosystem
Minum dan Sanitasi (KSPAMS), serta Pembiayaan Program, Drinking Water and Sanitation Financing
di Sektor UMKM lainnya seperti Ekonomi Kreatif, (KSPAMS), and Financing in other MSME sectors such
Pariwisata, Kelautan, Perikanan, Pertanian, as Creative Economy, Tourism, Marine, Fisheries,
Peternakan. Agriculture, Animal Husbandry.
Penyediaan Dana Provision Of Third Party
Pihak Ketiga (Dpk) dan Funds (Dpk) And Lending
Penyaluran Kredit Sebagai As Support For Economic
Dukungan Terhadap Development In The
Pembangunan Ekonomi Eastern Southeast [GRI
Nusa Tenggara Timur [GRI 103-2, GRI 203-1, FS-7]
103-2, GRI 203-1, FS-7]
Guna terus mewujud nyatakan kontribusi dalam In order to continue to realize its contribution to
peningkatan pertumbuhan ekonomi NTT, Bank NTT increasing NTT’s economic growth, Bank NTT focuses
berfokus pada upaya peningkatan penyaluran on efforts to increase credit distribution which has
kredit yang mengalami pertumbuhan dengan grown with a total distribution in 2024 of IDR 12,766
total penyaluran tahun 2024 sebesar Rp12.766 billion, up 2.34% compared to 2023 of IDR 12,474.
Milyar naik 2.34% dibanding tahun 2023 sebesar However, there was also a decrease in the collection
Rp 12.474. Namun juga terdapat penurunan dalam of Third Party Funds (DPK) of IDR 11.987 trillion or a
penghimpunan Dana Pihak Ketiga ( DPK) sebesar decrease of 7.04% from 2023 of IDR 12.895 trillion.
Rp 11,987 triliun atau menurun 7,04% dari tahun 2023
sebesar Rp 12,895 triliun.
Bank NTT menyadari bahwa perilaku hemat energi Bank NTT realizes that energy-saving behavior
yang dilakukan oleh seluruh insan dapat memberikan carried out by all people can have a major impact
dampak besar terhadap kelestarian lingkungan. on environmental sustainability. Therefore, through
Oleh karena itu, melalui strategi dan kebijakan environmentally friendly strategies and policies
ramah lingkungan yang diterapkan dalam seluruh implemented in all lines, steps to realize the
lini, langkah untuk mewujudkan komitmen untuk commitment to always improve the efficiency of the
senantiasa meningkatkan efisiensi penggunaan use of electricity and fuel to maintain the spirit of
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BANK NTT Laporan Keberlanjutan 2024
energi listrik dan BBM guna menjaga semangat energy saving, among others
hemat energi, antara lain :
a) Efisiensi penggunaan listrik; a) Efficient use of electricity;
b) Penggunaan lampu LED yang lebih hemat listrik; b) Use of LED lights that are more electricity efficient
c) Pengadaan Solar cell (lampu hemat listrik); c) Procurement of Solar cell (electricity saving lamp);
d) Efisiensi penggunaan pendingin ruangan hanya d) Efficiently use the air conditioner only when
pada saat diperlukan; necessary
e) Standarisasi Pembangunan Gedung dengan e) Standardization of Building Construction with
dominasi Kaca sehingga meminimalisir Glass dominance so as to minimize lighting in the
penerangan lampu di ruangan. room.
f) Optimalisasi penggunaan pencahayaan alam f) Optimize the use of natural lighting for room
untuk penerangan ruangan; lighting
Efisiensi konsumsi BBM: Fuel consumption efficiency:
• Perawatan kendaraan operasional secara • Regular maintenance of operational vehicles
berkala guna menjamin kondisi kendaraan prima to ensure excellent vehicle condition which has
yang berimplikasi terhadap peningkatan efisiensi implications for improving fuel consumption
konsumsi bahan bakar; dan efficiency; and
• Penggunaan transportasi publik dibandingkan • Use of public transportation instead of
kendaraan operasional untuk perjalanan dinas operational vehicles for long-distance business
jarak jauh. trips.
Pengelolaan Konsumsi Air Water Consumption
[GRI 103-3, GRI 303-1] Management [GRI 103-3,
GRI 303-1]
Air turut menjadi bagian dari sumber daya alam yang Water is also part of the natural used by BPD to
digunakan oleh BPD guna mendukung pelaksanaan support the implementation of daily operational
aktivitas operasional sehari-hari, antara lain Air activities, including Water is also part of the
turut menjadi bagian dari sumber daya alam natural resources used by Bank NTT to support
yang digunakan oleh Bank NTT guna mendukung the implementation of daily operational activities,
pelaksanaan aktivitas operasional sehari-hari, including:
antara lain :
*) Penggunaan Air melalui Sumur Bor di Kantor *) Water Usage through Drilled Well at
Dengan menerapkan insiatif strategi, Bank NTT By implementing strategic initiatives, Bank NTT made
melakukan upaya peningkatan efisiensi dalam efforts to increase efficiency in daily water usage. The
penggunaan air sehari-hari. Inisatif strategi tersebut strategic initiatives include:
antara lain:
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
a) Menghimbau pegawai agar menghemat a) Encourage employees to conserve water through
penggunaan air melalui himbauan yang appeals posted on bathroom walls
ditempelkan pada dinding kamar mandi;
b) Menutup kran air apabila tidak diperlukan; b) Close the water faucet when not needed
c) Menggunakan air secukupnya dalam mencuci c) Use sufficient water in washing operational
kendaraan operasional; dan vehicles; and
d) Membatasi penggunan air untuk kebutuhan d) Limiting the use of water for hygiene needs (MCK).
kebersihan (MCK).
Pengelolaan Limbah [GRI Waste Management [GRI
103-3, GRI 306-2] 103-3, GRI 306-2]
Limbah yang dihasilkan terdiri dari limbah padat The waste generated consists of solid waste and
dan limbah cair. Limbah padat berupa kertas, alat liquid waste. Solid waste in the form of paper,
tulis, dan sampah plastik diangkut dan selanjutnya stationery, and plastic waste is transported and
dikelola oleh pihak dinas kebersihan daerah. further managed by the regional cleaning service.
Sedangkan limbah cair adalah air kotor yang Meanwhile, liquid waste is dirty water whose
pembuangannya ditampung dengan metode septic disposal is collected using the septic tank method
tank dan dikelola oleh pihak ketiga. Seluruh limbah and managed by a third party. All waste generated
yang dihasilkan Bank NTT merupakan limbah yang by Bank NTT is waste that is not included in the
tidak termasuk dalam kategori Limbah Bahan Hazardous and Toxic Waste category.
Berbahaya dan Beracun.
Pengelolaan Emisi [GRI 103- Emissions Management
3, GRI 305-1] [GRI 103-3, GRI 305-1]
Seluruh aktivitas proses bisnis yang dijalankan oleh All business process activities carried out by Bank
Bank NTT tidak memiliki dampak berupa hasil emisi NTT do not have an impact in the form of direct
secara langsung. Namun, meski demikian, penggunaan emission results. However, even so, the use of various
berbagai perangkat penunjang operasional seperti operational support devices such as CO from
CO dari kendaraan operasional dan CFC dari operational vehicles and CFC from air conditioners
pendingin ruangan turut menyumbang adanya contribute to emissions. Therefore, Bank NTT strives
emisi. Oleh karena itu, Bank NTTmengupayakan to manage these exhaust emissions through an
pengelolaan terhadap gas emisi buangan tersebut emphasis on increasing the efficiency of using
melalui penekanan pada peningkatan efisiensi operational vehicles only for short-distance business
penggunaan kendaraan operasional hanya pada trips and using public transportation for long-distance
perjalanan dinas jarak dekat dan menggunakan business trips and the use of environmentally friendly
transportasi publik untuk perjalanan dinas jarak jauh and energy-efficient air conditioners accompanied
serta penggunaan pendingin ruangan yang ramah by usage behavior as needed.
lingkungan dan hemat energi dengan disertai perilaku
penggunaan sesuai kebutuhan.
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130 BANK NTT Laporan Keberlanjutan 2024 Kinerja Berkelanjutan Sustainable Performance
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Page 134
132 BANK NTT Laporan Keberlanjutan 2024 KINERJA BERKELANJUTAN Sustainable Performance Kontribusi Ekonomi Langsung & Tidak Langsung: Pendapatan bunga tumbuh 4,03% dan kredit tumbuh 2,34%, dengan distribusi dividen Rp154,732 miliar ke pemerintah daerah. Direct & Indirect Economic Contribution: Interest income grew 4.03% and loans grew 2.34%, with a dividend distribution of IDR154.732 billion to the local government. Nilai Ekonomi Yang Economic Value Generated Dihasilkan dan and Distributed [GRI 201-1] Didistribusikan [GRI 201-1] Bank NTT sebagai entitas usaha yang senantiasa Bank NTT as a business entity that always prioritizes mengutamakan pelayanan perbankan terintegrasi integrated banking services to the entire community kepada seluruh masyarakat terus bergerak continues to move to maintain its consistency in menjaga konsistensinya dalam berperan serta participating in supporting sustainable regional mendukung pertumbuhan pembangunan daerah development growth which has an impact on yang berkelanjutan yang berdampak pada increasing Indonesia’s economic growth. This meningkatnya pertumbuhan ekonomi Indonesia. participation is realized through efforts to distribute Peran serta tersebut diwujudkan melalui upaya economic value to stakeholders and participate pendistribusian nilai ekonomi kepada pemangku in encouraging economic development in NTT kepentingan serta berpartisipasi dalam mendorong and Indonesia. Bank NTT continues to consistently pembangunan ekonomi di NTT dan Indonesia. Bank contribute to the realization of economic NTT terus konsisten untuk berkontribusi terhadap development, despite a decrease in assets of 5.14% perwujudan pembangunan ekonomi, walaupun compared to last year with an acquisition in 2024 of adanya penurunan dalam aset sebesar 5.14% Rp. 16,434 billion, but in the field of lending Bank NTT
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
dibandingkan di tahun lalu dengan perolehan recorded a credit growth of 2.34% with an acquisition
pada Tahun 2024 sebesar Rp. 16.434 miliar, Namun of Rp. 12,766 billion when compared to the acquisition
Di bidang penyaluran kredit Bank NTT mencatat in 2023 which was recorded at Rp. 12,474 billion.
adanya pertumbuhan kredit sebesar 2.34% dengan
perolehan Rp. 12.766 miliar jika dibandingkan dengan
perolehan di tahun 2023 yang tercatat sebesar Rp.
12.474 miliar.
Nilai Ekonomi Bank NTT
Economic Value of Bank NTT
Keterangan Satuan
2022 2023 2024
Information Unit
Nilai ekonomi langsung yang dihasilkan
Direct economic value generated
Pendapatan bunga Jutaan Rp
1.518.696 1.575.856 1.639.358
Interest income Millions IDR
Pendapatan operasional lainnya Jutaan Rp
123.604 126.428 134.630
Other operating income Millions IDR
Pendapatan non operasional Jutaan Rp
5.454 14.513 30.180
Non-operating income Millions IDR
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BANK NTT Laporan Keberlanjutan 2024
Nilai Ekonomi Bank NTT
Economic Value of Bank NTT
Keterangan Satuan
2022 2023 2024
Information Unit
Nilai Ekonomi yang didistribusikan
Economic Value distributed
Beban Operasional (beban bunga) Jutaan Rp
448.778 535.813 556.619
Operating Expenses (interest expense) Millions IDR
Beban tenaga kerja Jutaan Rp
523.238 474.990 548.07
Labor load Millions IDR
Beban umum dan administrasi Jutaan Rp
335.765 333.634 307.716
General and administrative expenses Millions IDR
Beban non operasional Jutaan Rp
19.165 14.959 24.788
Non-operating expenses Millions IDR
Pembayaran deviden kepada pemegang saham Jutaan Rp
200.315 96.382 154.732
Dividend payments to Millions IDR
Pengeluaran untuk pemerintah (pajak) Jutaan Rp
76.422 38.392 54.272
Government spending (taxes) Millions IDR
Pengeluaran untuk investasi sosial masyarakat Jutaan Rp
7.130 4.540 3.018
Spending on community social investment Millions IDR
Nilai ekonomi yang ditahan
423.174 451.791 465.559
Retained economic value
Pendapatan Bunga Interest Income
Sampai dengan akhir tahun 2024, total pendapatan Until the end of 2024, the total interest income
bunga yang dihimpun Bank NTT sebesar Rp. 1.639 collected by Bank NTT amounted to Rp. 1,639 billion
miliar atau mengalami kenaikan sebesar 4.03% atau or an increase of 4.03% or Rp. 63 billion compared
sebesar Rp 63 Milyar dibandingkan dengan tahun to the previous year of Rp. 1,576 billion. The increase
sebelumnya sebesar Rp. 1.576 Milyar. Meningkatnya in interest income came from loans which grew by
pendapatan bunga tersebut bersumber dari kredit 4.41%, current accounts and placements with Bank
yang tumbuh sebesar 4.41 %, Giro dan penempatan Indonesia which grew by 13.86% and current accounts
pada Bank Indonesia yang tumbuh sebesar 13.86% and placements with other banks which also grew by
serta Giro dan penempatan pada Bank Lain yang 21.01%
juga tumbuh sebesar 21.01%.
Pendapatan Operasional Other operating income
Lainnya
Pendapatan operasional lainnya terbagi atas Other operating income is divided into fees and
pendapatan provisi dan komisi selain kredit dan commissions other than loans and other income.
pendapatan lain-lain. Pendapatan lainnya antara Other income includes administrative income, ATM
lain pendapatan administrasi, pendapatan ATM dan income and other income
pendapatan lain-lain.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Sampai dengan akhir tahun 2024, total pendapatan Until the end of 2024, total other operating income
operasional lainnya tercatat sebesar Rp. 135 Milyar was recorded at Rp. 135 billion, an increase of
,naik sebesar 6.49% atau sebesar Rp 8 Milyar jika 6.49% or Rp. 8 billion when compared to 2023 which
dibandingkan dengan tahun 2023 yang tercatat was recorded at Rp. 126 billion. other operating
sebesar Rp. 126 Milyar. kontribusi pendapatan income contributions: commission fee income
operasional lainnya : pendapatan provisi komisi yang which increased by Rp. 7.8 billion or grew by 15.53%
meningkat Rp. 7,8 miliar atau bertumbuh sebesar and other income which grew by Rp. 349 million or
15.53% dan pendapatan lain-lain yang bertumbuh increased by 0.50%.
Rp 349 juta atau naik sebesar 0.50%
Rincian pendapatan operasional lainnya Details of other operating income are as shown in the
sebagaimana tabel dibawah ini. table below.
Pendapatan Operasional Lainnya
Other Operating Income
Keterangan Satuan
2022 2023 2024
Information Unit
Administrasi simpanan Jutaan Rp
38.306 45.940 46.857
Deposit administration Millions IDR
Administrasi lainnya Jutaan Rp
2.480 1.303 1.487
Other administration Millions IDR
Penerimaan kembali kredit yang telah dihapusbukukan Jutaan Rp
7.498 3.507 2.406
Recoveries of loans that have been written off Millions IDR
Administrasi jasa perbankan Jutaan Rp
449 273 257
Banking services administration Millions IDR
Penerimaan ATM Jutaan Rp
184 605 553
ATM Acceptance Millions IDR
Lain – lain Jutaan Rp
29.634 24.428 24.874
Other Millions IDR
Jumlah -
78.551 76.056 76.435
Total
Pendapatan Non Non-operating income
Operasional
Pendapatan non operasional adalah pendapatan Non-operating income is other income earned by the
lain-lain yang diperoleh bank sedangkan beban bank while non-operating expenses consist of gifts,
non operasional terdiri dari hadiah, souvenir, souvenirs, donations, fines and other expenses. In
sumbangan, denda dan beban lain-lain. Tahun 2024 2024 the realization of non-operating income (other
realisasi pendapatan non operasional (pendapatan income) amounted to Rp. 30 billion or an increase of
lain-lain) sebesar Rp. 30 miliar atau naik sebesar 107.95% compared to 2023 of Rp. 15 billion. While non-
107.95% dibanding tahun 2023 sebesar Rp. 15 miliar. operating expenses in 2024 were recorded at Rp. 25
Sedangkan beban non operasional tahun 2024 billion, an increase of 65.71% or an increase of Rp. 10
tercatat sebesar Rp. 25 miliar naik sebesar 65.71% billion compared to 2023 of Rp. 15 billion so that non-
atau naik sebesar Rp. 10 miliar dibanding tahun 2023 operating income (expenses) in 2024 has increased.
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BANK NTT Laporan Keberlanjutan 2024
sebesar Rp. 15 miliar sehingga pendapatan (beban)
non operasional tahun 2024 mengalami kenaikan.
Nilai ekonomi yang Directly Distributed
Langsung Didistribusikan economic value
Beban operasional (beban Operating expenses (Interest
Bunga) expense)
Beban bunga Bank NTT tahun 2024 mencapai Rp. 557 Bank NTT’s interest expenses in 2024 reached Rp. 557
miliar atau meningkat sebesar 3.88% atau sebesar billion, an increase of 3.88% or Rp. 21 billion compared
Rp. 21 miliar dibanding tahun 2023 sebesar Rp. 536 to 2023 of Rp. 536 billion. The increase occurred in the
miliar. Peningkatan terjadi pada biaya simpanan cost of customer deposits in the form of DPK interest
nasabah berupa beban bunga DPK yang meningkat expense which increased by 1.52%, besides that the
sebesar 1.52%, selain itu peningkatan beban bunga increase in interest expense was due to an increase
disebabkan oleh meningkatnya beban pinjaman in the cost of loans received by 17.40%, deposits from
diterima sebesar 17.40%, simpanan dari bank lain other banks which increased by 566.48%, and other
yang meningkat sebesar 566.48% , serta beban lain- expenses by 5.18%.
lain sebesar 5.18%.
Beban Bunga
Interest Expense
Keterangan Satuan
2022 2023 2024
Information Unit
Beban bunga DPK Jutaan Rp
362.876 440.058 446.731
Interest expense on deposits Millions IDR
Beban bunga dana lainnya Jutaan Rp
85.902 95.755 109.887
Other fund interest expense Millions IDR
Jumlah
448.778 535.813 556.618
Total
Beban bunga lainnya merupakan beban bunga Other interest expense represents interest expense
yang berasal dari surat berharga yang diterbitkan derived from securities issued by Bank NTT including
oleh Bank NTT meliputi efek-efek yang diterbitkan, securities issued, insurance premiums, deposits with
premi asuransi, simpanan pada bank lain dan lain- other banks and others. Other interest expenses in
lain. Beban bunga lainnya pada Desember 2024 December 2024 amounted to Rp 110 billion or an
sebesar Rp 110 Milyar atau mengalami kenaikan increase of 15% when compared to 2023 of Rp 96
sebesar 15% jika dibandingkan dengan tahun 2023 billion.
sebesar Rp 96 miliar.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Beban Tenaga kerja Labor expenses
Beban tenaga kerja merupakan beban yang Labor expenses are expenses paid by Bank NTT to
dibayarkan Bank NTT kepada karyawan/i Bank NTT employees of Bank NTT who have worked throughout
yang telah bekerja sepanjang tahun 2024. Beban 2024. Labor expenses as of December 31, 2024
tenaga kerja per 31 Desember 2024 sebesar Rp amounted to Rp. 548 billion or an increase of 15.39%
548 miliar atau mengalami kenaikan sebesar 15.39% compared to 2023 of Rp. 475 billion. The increase was
dibandingkan dengan tahun 2023 sebesar Rp. 475 partly due to the promotion of employees and the
miliar. Kenaikan tersebut antara lain disebabkan oleh recruitment of new employees.
kenaikan pangkat / jabatan karyawan serta adanya
penerimaan pegawai baru.
Beban Umum dan General and Expenses
Administrasi
Beban umum dan administrasi merupakan General and administrative expenses represent
beban atas pengelolaan atau operasional Bank expenses for the management or operations of Bank
NTT sepanjang tahun 2024. Beban umum dan NTT throughout 2024. General and administrative
administrasi meliputi beban sewa, outsourcing, iklan expenses include rent, outsourcing, advertising
dan promosi, penyusutan aset tetap, pemeliharaan and promotion, depreciation of fixed assets,
dan perbaikan, alat tulis kantor, rumah tangga maintenance and repairs, office stationery, office
kantor, representasi, listrik, air dan gas, iuran, jasa households, representations, electricity, water
professional, ekspedisi, premi asuransi, komunikasi and gas, dues, professional services, expeditions,
dan lain – lain. insurance premiums, communications and others.
Beban umum dan administrasi per 31 Desember 2024 General and administrative expenses as of
sebesar Rp 308 Milyar atau mengalami penurunan December 31, 2024 amounted to Rp. 308 billion or
sebesar 7.8% dibandingkan dengan tahun 2023 decreased by 7.8% compared to 2023 of Rp. 334
sebesar Rp. 334 miliar. Penurunan tersebut antara billion. The decrease was partly due to the decrease
lain disebabkan menurunnya operasional bank in bank operations during 2024.
selama tahun 2024.
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138 BANK NTT Laporan Keberlanjutan 2024 Pemasok Lokal dan Rantai Local Suppliers and Supply Pasokan Pemasok Lokal Chain Local Suppliers [GRI [GRI 203-1, 203-2] [GRI 102- 203-1, 203-2] [GRI 102-9, 9, 102-10] 102-10] Pemasok Lokal Suppliers Bank NTT berkomitmen untuk mendukung Bank NTT is committed to supporting the pengembangan ekonomi kerakyatan, salah satunya development of the people’s economy, one of which adalah dengan menggunakan pemasok lokal is by using local suppliers as Bank NTT’s supply sebagai rantai pasokan Bank NTT. Pemasok lokal chain. Local suppliers are suppliers located in the adalah pemasok yang berlokasi di wilayah NTT, NTT region, including suppliers who have affiliations termasuk pemasok yang memiliki afiliasi dengan with other companies outside NTT. Throughout 2024 perusahaan lain di luar NTT. Sepanjang tahun to meet all the needs of its supply chain (100% of 2024 untuk memenuhi seluruh kebutuhan rantai the procurement of goods and services) are local pasokannya (100% dari pengadaan barang dan suppliers. jasa) merupakan pemasok lokal.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Rantai Pasokan Supply Chain
Pemasok Bank NTT merupakan penyedia barang Bank NTT suppliers are providers of goods and
dan jasa yang mendukung kegiatan operasional services that support the operational activities and
dan program kerja seluruh unit kerja. Jenis-jenis work programs of all work units. The types of suppliers
pemasok yang terlibat dalam rantai pasokan Bank involved in Bank NTT’s supply chain are as follows but
NTT adalah sebagai berikut namun tidak terbatas are not limited to:
kepada :
• Industri pengolahan • Industry
• Pengadaan listrik, gas, uap/ air panas, dan • Procurement of electricity, gas, steam/hot water,
udara dingin and air
• Pengelolaan air, pengelolaan air limbah, • Water management, wastewater management,
pengelolaan dan daur ulang sampah, dan waste management and recycling, and activities
aktivitas remediasi
• Konstruksi • Constructio
• Perdagangan besar dan eceran; reparasi dan • Wholesale and retail trade; repair and
perawatan mobil dan sepeda motor maintenance of cars and motorcycles
• Pengangkutan dan pergudangan • Transportation and
• Penyediaan akomodasi dan penyediaan makan • Accommodation and food and beverage
minum provision
• Informasi dan komunikasi • Information and
• Aktivitas keuangan dan asuransi • Finance and activities
• Aktivitas profesional, ilmiah dan teknis • Professional, scientific and activities
• Aktivitas Penyewaan dan Sewa Guna Usaha • Rental and Leasing Activities without Option
Tanpa Hak Opsi, Ketenagakerjaan, Agen Rights, Employment, Travel Agencies and
Perjalanan dan Penunjang Usaha Lainnya Supporting Businesses
• Administrasi pemerintahan, pertahanan dan • Public administration, defense and security
jaminan sosial
• Pendidikan • Education
• Aktivitas kesehatan manusia dan aktvitas sosial • Human health and activities
• Kesenian, hiburan dan rekreasi • Arts, entertainment and recreation
• Aktivitas jasa lainnya • Other service activities
• Aktivitas rumah tangga sebagai pemberi kerja; • Household activities as employers; activities that
aktivitas yang menghasilkan barang dan jasa produce goods and services by households that
oleh rumah tangga yang digunakan untuk are used to meet their own needs.
memenuhi kebutuhan sendiri.
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140 BANK NTT Laporan Keberlanjutan 2024 Lokasi geografis dari pemasok Bank NTT berada di The geographical location of Bank NTT’s suppliers is lokasi dalam NTT maupun di luar NTT. Sepanjang within NTT and outside NTT. Throughout 2024, there tahun 2024 tidak terdapat perubahan yang signifikan are no significant changes to the size, structure, terhadap ukuran, struktur, kepemilikan dan rantai ownership and supply chain of the organization that pasokan organisasi yang dapat mempengaruhi can significantly affect the operational activities secara signifikan kegiatan operasional Bank NTT of Bank NTT, where if such changes occur, one dimana bila terjadi perubahan tersebut pada satu supplier can be replaced with another supplier. pemasok dapat digantikan dengan pemasok lainnya. Kebijakan Dividen Dividend Policy Berdasarkan Undang-undang No. 40 Tahun 2007 Based on Law No. 40 of 2007 concerning Limited tentang Perseroan Terbatas, pembagian dividen Liability Companies, dividend distribution is carried dilakukan berdasarkan keputusan Rapat Umum out based on the decision of the Annual General Pemegang Saham Tahunan (RUPST) atau Rapat Meeting of Shareholders (AGMS) or Extraordinary Umum Pemegang Saham Luar Biasa (RUPSLB). General Meeting of Shareholders (EGMS). The Penentuan jumlah dan pembayaran dividen tersebut determination of the amount and payment of akan dapat dilaksanakan dengan memperhatikan dividends will be carried out by taking into account dan mempertimbangkan beberapa faktor, antara and considering several factors, among others: the lain: tingkat kesehatan keuangan, tingkat kecukupan level of financial health, the level of capital adequacy, modal, kebutuhan dana untuk ekspansi usaha lebih the need for funds for further business expansion, lanjut, tanpa mengurangi hak dari RUPS Perseroan without prejudice to the right of the Company’s untuk menentukan lain sesuai dengan ketentuan GMS to determine otherwise in accordance with the Anggaran Dasar. provisions of the Articles of Association.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Pajak [GRI 201-1 ii] Taxes [GRI 201-1 ii]
Bank NTT memiliki kontribusi kepada negara Bank NTT has a contribution to the state which is
yang diwujudkan melalui pemenuhan kewajiban realized through the fulfillment of the company’s
perusahaan sebagai wajib pajak dan sebagai obligations as a taxpayer and as a tax withholder/
pemotong/ pemungut pajak. Sebagai wajib pajak, collector. As a taxpayer, the Company’s largest
kontribusi terbesar Perusahaan adalah memenuhi contribution is to fulfill its corporate income tax
kewajiban PPh Badan. PPh Badan yang disetorkan obligations. The Corporate Income Tax deposited for
untuk tahun 2024 adalah sebesar Rp. 54 miliar, atau 2024 amounted to Rp. 54 billion, or a decrease of 16
menurun sebesar 16 milyar dibandingkan dengan billion compared to 2023 which was recorded at Rp.
tahun 2023 yang tercatat sebesar Rp. 38 miliar. 38 billion.
Sedangkan sebagai pemotong pajak, Bank NTT Meanwhile, as a tax withholder, Bank NTT plays an
berperan aktif dalam melakukan pemotongan active role in withholding from each local taxable
terhadap setiap objek kena pajak daerah. object.
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142 BANK NTT Laporan Keberlanjutan 2024 Investasi Masyarakat [GRI 201-1 ii] Community Investment [GRI 201-1 ii] CSR Fokus Sosial & Lingkungan: Realisasi CSR sebesar Rp3,08 miliar, terutama pada bidang sosial dan lingkungan seperti rumah layak huni, PJU-TS, dan taman kota. CSR with a Social & Environmental Focus: The realization of CSR amounted to Rp3.08 billion, mainly in social and environmental fields such as livable houses, streetlights, and city parks. Bank NTT melakukan investasi kepada masyarakat Bank NTT invests in the community through CSR melalui program CSR yang setiap tahunnya programs that are annually budgeted from 2% of telah dianggarkan dari 2% laba sebelum pre-tax profit and programmed to be implemented pajak yang diperoleh dan diprogramkan untuk in the current fiscal year. Throughout 2024, Bank NTT diimplementasikan pada tahun buku yang has realized Responsibility programs with a value berjalan. Sepanjang tahun 2024, Bank NTT telah of Rp 3.08 billion. The CSR program in 2024 was merealisasikan program Tanggung Jawab dengan mainly distributed in 4 (five) fields, namely: education nilai sebesar Rp 3.08 miliar. Program CSR tahun 2024 contribution of Rp 66 million, culture contribution of utamanya disalurkan 4 (lima) bidang yakni : bidang Rp 75 million, economy contribution of Rp 210 million, pendidikan kontribusi Rp 66 Juta, bidang budaya social contribution of Rp 1.44 billion, environment kontribusi Rp 75 Juta , bidang ekonomi kontribusi contribution of Rp 1.28 billion. Rp 210 Juta, bidang sosial kontribusi Rp 1.44 Milyar, bidang lingkungan kontribusi Rp 1.28 Milyar. Sepanjang tahun 2024 realisasi program CSR Throughout 2024 the realization of the largest CSR terbesar difokuskan untuk bidang sosial dan bidang program focused on the social and environmental lingkungan. Untuk bidang sosial melalui Bantuan fields. For the social sector through the Assistance of Sarana dan Prasarana Gereja di Kevikepan Labuan Church Facilities and Infrastructure in the Labuan Bajo
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Bajo Kabupaten Manggarai Barat, Pemasangan Kevikepan of West Manggarai Regency, Installation
Lampu Penerangan Jalan Umum Tenaga Surya of Solar Public Street Lighting (PJU-TS) in Kupang
(PJU-TS) di Kabupaten Kupang, Bantuan utk Rumah Regency, Assistance for Livable Homes for Low-
Layak Huni bagi Masyarakat Berpenghasilan Income Communities in Alor Regency, Assistance for
Rendah di Kabu[aten Alor, Bantuan bagi Masyarakat Communities affected by Natural Disasters Floods
terdampak Bencana Alam Banjir di Wilayah in the Malacca Regency Area, Construction of the
Kabupaten Malaka, Pembangunan Gedung Gereja ST. Yoseph Worker Penfui Stasi Maria Yoseph Liliba
Paroki ST. Yoseph Pekerja Penfui Stasi Maria Yoseph Kupang City, Construction of Multipurpose Building
Liliba Kota Kupang, Pembangunan Gedung Serba and Renovation of Moria Liliba Church Building in
Guna & Renovasi Gedung Gereja Moria Liliba Kota Kupang City, Construction of Livable Houses in Kupang
Kupang, Pembangunan Rumah Layak Huni di City Area, Construction of Perimeter Wall of Stasi
Wilayah Kota Kupang, Pembangunan Tembok Keliling Santa Elisabeth Lambanapu Church Waingapu East
Gereja Stasi Santa Elisabeth Lambanapu Waingapu Sumba Regency, Construction of Imanuel Fatukona
Kabupaten Sumba Timur, Pembangunan Gedung Takari Church Building, Unplan Assistance for Victims
Gereja Imanuel Fatukona Takari, Bantuan Unplan of Lewotobi Volcano Eruption in East Flores Regency,
bagi Korban Letusan Gunung Berapi Lewotobi di Renovation of ST Yoseph Reweng Church Building and
Kabupaten Flores Timur, Renovasi Gedung Gereja Assistance for Victims of Fire Disaster in Namo Munting
ST Yoseph Reweng dan Bantuan bagi Korban Village Lembor West Manggarai Regency.
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BANK NTT Laporan Keberlanjutan 2024
bencana kebakaran di Namo Desa Munting Lembor
Kabupaten Manggarai Barat.
Bidang lingkungan melalui Bantuan Penataan Environmental sector through Pedestrian and RTH
Pedestrian dan RTH Pemerintah Kabupaten Belu, Arrangement Assistance to the Government of Belu
Pembangunan Taman Kota dan Penataan Kawasan Regency, City Park Development and Ba’a City Area
Kota Ba’a Kabupaten Rote Ndao, Pembangunan Arrangement of Rote Ndao Regency, Construction
Rest Area Non Tol Jogging Track pada Tugu Patung of Non-Toll Rest Area Jogging Track at Horse Statue
Kuda Kabupaten Sumba Timur, Pembangunan Monument of East Sumba Regency, Construction
Pintu Gerbang Gapura di Perkantoran Civic Centre of Gate Gates at Oelamasi Civic Center Office in
Oelamasi Kabupaten Kupang. Kupang Regency.
Dampak Ekonomi Tidak Indirect Economic Impact
Langsung
Dukungan terhadap Infrastruktur NTT
Support for NTT Infrastructure
Rp338 Miliar/ Billion
Penyaluran kredit sebesar Rp338
miliar untuk jalan provinsi
Loan disbursements of Rp338 billion
Rp450
for provincial roads
Miliar/ Billion
Rp450 miliar untuk jalan tol,
memperkuat konektivitas wilayah
Rp450 billion for toll roads,
strengthening regional connectivity
Kontribusi Terhadap Contribution to East
Pembangunan Ekonomi Nusa Nusa Tenggara Economic
Tenggara Timur [GRI 103-2] Development [GRI 103-2]
BPS mencatatkan ekonomi Nusa Tenggara Timur BPS recorded that the economy of East Nusa
tahun 2024 tercatat telah tumbuh sebesar 3,03%, Tenggara in 2024 had grown by 3.03%, below the
dibawah tingkat pertumbuhan PDB nasional sebesar national GDP growth rate of 5.043%. As a regional
5,043%. Sebagai bank daerah yang berkomitmen bank that is committed to continuing to support
untuk terus mendukung pembangunan daerah regional development through participation and real
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
melalui partisipasi dan peran nyata, secara berkala roles, Bank NTT periodically distributes dividends to
Bank NTT membagikan dividen kepada pemegang shareholders who are the NTT Provincial Government
saham yang adalah Pemerintah Provinsi NTT dan and the City and Regency Governments throughout
Pemerintah Kota dan Kabupaten se-NTT sebagai NTT as a form of contribution to increasing Regional
bentuk kontribusi dalam meningkatkan Pendapatan Original Income. This dividend can then be used
Asli Daerah. Dividen ini selanjutnya oleh Pemerintah by the NTT Provincial Government as a source
Daerah Provinsi NTT dapat dipergunakan sebagai of regional spending income. In 2024, Bank NTT
sumber pendapatan belanja daerah. Pada tahun distributed dividends of IDR 154,732 billion and there
2024, Bank NTT membagikan dividen sebesar Rp was an increase of 61% from 2023 of IDR 96,382 billion.
154.732 Milyar dan terjadi kenaikan sebesar 61% dari
tahun 2023 sebesar Rp 96.382 Milyar.
Kontribusi Kepada Pembangunan Contribution to Infrastructure
Infrastruktur di Nusa Tenggara Development in East Nusa
Timur [GRI 103- 2, GRI 203-1, GRI Tenggara [GRI 103- 2, GRI 203-1,
203-2] GRI 203-2]
BPS mencatatkan ekonomi Nusa Tenggara Timur BPS recorded that the economy of East Nusa
tahun 2024 tercatat telah tumbuh sebesar 3,03%, Tenggara in 2024 had grown by 3.03%, below the
dibawah tingkat pertumbuhan PDB nasional sebesar national GDP growth rate of 5.043%. As a regional
5,043%. Sebagai bank daerah yang berkomitmen bank that is committed to continuing to support
untuk terus mendukung pembangunan daerah regional development through participation and real
melalui partisipasi dan peran nyata, secara berkala roles, Bank NTT periodically distributes dividends to
Bank NTT membagikan dividen kepada pemegang shareholders who are the NTT Provincial Government
saham yang adalah Pemerintah Provinsi NTT dan and the City and Regency Governments throughout
Pemerintah Kota dan Kabupaten se-NTT sebagai NTT as a form of contribution to increasing Regional
bentuk kontribusi dalam meningkatkan Pendapatan Original Income. This dividend can then be used
Asli Daerah. Dividen ini selanjutnya oleh Pemerintah by the NTT Provincial Government as a source
Daerah Provinsi NTT dapat dipergunakan sebagai of regional spending income. In 2024, Bank NTT
sumber pendapatan belanja daerah. Pada tahun distributed dividends of IDR 154,732 billion and there
2024, Bank NTT membagikan dividen sebesar Rp was an increase of 61% from 2023 of IDR 96,382 billion.
154.732 Milyar dan terjadi kenaikan sebesar 61% dari
tahun 2023 sebesar Rp 96.382 Milyar.
PEMBAYARAN DIVIDEN BANK NTT 2024
PEMBAYARAN DIVIDEN BANK NTT 2024
154.732 Miliar/ Miliar
Page 148
146 BANK NTT Laporan Keberlanjutan 2024 Adapun dampak signifikan baik langsung maupun The significant direct and indirect impacts arising tidak langsung yang ditimbulkan dari kontribusi from contributions to the development of provincial terhadap pembangunan infrastruktur jalan propinsi road and toll road infrastructure include improving dan jalan tol, antara lain peningkatan konektivitas connectivity between regions, providing solutions masyarakat antar daerah, memberikan solusi to traffic congestion, shortening travel time for atas kepadatan lalu lintas, mempersingkat waktu the community, encouraging the development of tempuh perjalanan bagi masyarakat, mendorong surrounding areas into strategic areas, providing pengembangan kawasan sekitar menjadi kawasan new jobs, and increasing contributions to the state strategis, menyediakan lapangan pekerjaan baru, through tax payments. serta meningkatkan kontribusi terhadap negara melalui pembayaran pajak. Pemberdayaan Pemasok Local Supplier Lokal [GRI 103-2, GRI 103-3, Empowerment [GRI 103-2, GRI 204-1] GRI 103-3, GRI 204-1] Upaya Bank NTT dalam menunjang pertumbuhan Bank NTT’s efforts to support regional economic dan pembangunan ekonomi daerah dilakukan growth and development are carried out through melalui kebijakan yang mengatur keterlibatan policies that regulate the involvement of local pemasok lokal dengan mekanisme kerja sebagai suppliers with work mechanisms as a form of sebagai wujud penunjang aktivitas operasional supporting the Bank’s operational activities. Bank. Penyediaan Produk Sesuai Provision of Products in dengan Kepentingan dan accordance with Regional Karakter Daerah [GRI 103-2, Interests and Character GRI 203-1, FS-7] [GRI 103-2, GRI 203-1, FS-7] Dalam memberikan dukungan layanan perbankan In providing banking service support for customers, bagi nasabah, Bank NTT senantiasa menyesuaikan Bank NTT always adapts to the characteristics dengan karakteristik dan kebutuhan daerah and needs of the region as a form of Bank NTT’s sebagai wujud dari komitmen Bank NTT dalam commitment in supporting sustainable economic mendukung pertumbuhan ekonomi berkelanjutan growth based on Sustainable Development Goals yang berlandaskan Sustainable Development (SDG’s). One of the real contributions of Bank Goals (SDG’s). Salah satu kontribusi nyata Bank NTT NTT as a Regional Development Bank is realized sebagai Bank Pembangunan Daerah direalisasikan through a service provision program that is able to melalui program penyediaan layanan yang mampu improve the welfare of regional communities. The menyejahterakan masyarakat daerah. Wujud nyata realization of Bank NTT in presenting services that Bank NTT dalam menghadirkan layanan yang are in accordance with the characteristics and sesuai dengan karakterisik dan kepentingan daerah interests of the region is carried out through various
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
dilakukan melalui berbagai upaya, antara lain efforts, including increasing PAD, increasing the
peningkatan PAD, peningkatan porsi DPK, penyaluran portion of deposits, lending, and banking services
kredit, serta layanan perbankan yang mampu that are able to support the decline in economic
menunjang menurunnya kesenjangan ekonomi antara disparities between urban and rural areas in East
daerah perkotaan dan pedesaan di Nusa Tenggara Nusa Tenggara. Therefore, Bank NTT is committed to
Timur. Oleh karena itu, Bank NTT berkomitmen untuk always move to make efforts to alleviate poverty in
senantiasa bergerak melakukan upaya pengentasan the midst of East Nusa Tenggara communities that
kemiskinan di tengah masyarakat Nusa Tenggara tend to be heterogeneous.
Timur yang cenderung bersifat heterogen.
Dukungan terhadap Sektor Support for the MSME
UMKM Sector
Komitmen terhadap UMKM
Commitment to MSMEs
Rp1,84 Triliun/ trillion
Penyaluran kredit UMKM sebesar
Rp1,84 triliun dengan fokus pada kredit
menengah, sebagai wujud dukungan
terhadap ekonomi rakyat
MSME loan disbursement amounted to
Rp1.84 trillion with a focus on medium
credit, as a form of support for the
people's economy.
Selama tahun 2024, dukungan Bank NTT terhadap During 2024, Bank NTT’s support for the MSME
sektor UMKM semakin fokus pada aktivitas bisnis sector increasingly focused on business activities
yang disesuaikan dengan program kerja Pemerintah tailored to the work programs of the NTT Provincial
Provinsi NTT, kabupaten dan kota. UMKM Bank Government, districts and cities. Bank NTT’s MSMEs
NTT mengalami masih mengalami pertumbuhan are still experiencing growth driven by the growth of
yang didorong oleh pertumbuhan Portofolio Kredit the Medium Credit Portfolio. In the future, Bank NTT
Menengah. Ke depannya Bank NTT akan terus will continue to provide support to the MSME sector
memberikan dukungan terhadap sektor UMKM dan and be more vigorous in marketing credit with regular
lebih gencar dalam memasarkan kredit dengan follow-up and monitoring of business activities up to
tindak lanjut dan monitoring secara berkala atas credit realization.
aktivitas bisnis sampai dengan realisasi kredit.
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BANK NTT Laporan Keberlanjutan 2024
Kredit UMKM
2022 2023 2024
MSME Credit
Kredit Mikro
205.240 166.194 149.756
Microcredit
Kredit Kecil
393.247 343.227 271.248
Small Loans
Kredit Menengah
1.905.834 2.001.210 1.422.833
Medium Credit
Jumlah
2.504.321 2.510.631 1.843.837
Total
Penyediaan Dana Pihak Provision of Third Party
Ketiga (DPK) dan Penyaluran Funds (DPK) and Lending
Kredit sebagai Dukungan as Support for Economic
Terhadap Pembangunan Development in NTT [GRI
Ekonomi di NTT [GRI 103-2, 103-2, GRI 203-1, FS-7]
GRI 203-1, FS-7]
Guna terus mewujud nyatakan kontribusi dalam In order to continue to realize its contribution to
peningkatan pertumbuhan ekonomi NTT, Bank NTT increasing NTT’s economic growth, Bank NTT focuses
berfokus pada upaya peningkatan porsi Dana Pihak on efforts to increase the portion of Third Party Funds
Ketiga (DPK) dan penyaluran kredit. Hal tersebut (DPK) and lending. This is reflected in Bank NTT’s
tergambar dalam Penyaluran Kredit Bank NTT Credit Distribution in 2024 of Rp. 12,766 Trillion, which
pada tahun 2024 sebesar Rp. 12.766 Triliun tumbuh grew by 2.34% from 2023 of Rp. 12,474 Trillion. However,
sebesar 2.34% dari tahun 2023 sebesar Rp. 12.474 the portion of Third Party Funds (DPK) decreased,
Triliun. Namun pada porsi Dana Pihak Ketiga (DPK) which amounted to Rp. 11,987 Trillion or decreased by
mengalami penurunan yaitu sebesar Rp 11.987 Triliun 7.04% or Rp. 908 Billion from 2023 which was recorded
atau turun sebesar 7.04% atau Rp. 908 Milyar dari at Rp. 12,895 Trillion. In addition to the distribution of
tahun 2023 yang tercatat sebesar Rp. 12.895 Triliun. MSME Loans and Multipurpose / Consumption Loans,
Selain penyaluran Kredit UMKM dan Kredit Multiguna/ Bank NTT’lending throughout 2024 was carried
Konsumsi, penyaluran kredit Bank NTT sepanjang tahun out to support the development of infrastructure in
2024 dilakukan guna mendukung pembangunan NTT, including the construction of provincial roads
infrastruktur di NTT, antara lain pembangunan jalan in Timor, Sumba and Flores, especially access to
Propinsi di Timor, Sumba dan Flores terutama akses tourist destinations in NTT, financing in the fields of
ke destinasi-destinasi wisata di NTT, pembiayaan di Agriculture and Animal Husbandry, Drinking Water
bidang Pertanian dan Peternakan, Pembiayaan Air and Sanitation Financing. This contribution is in
Minum dan Sanitasi. Kontribusi ini sejalan dengan line with the vision and grand strategy of Bank NTT
visi dan grand strategis Bank NTT yang berkomitmen which is committed to accelerating the development
untuk mempercepat pembangunan NTT melalui of NTT through strengthening regional economic
penguatan fundamental ekonomi daerah. fundamentals.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Porsi Bank NTT atas Dana Pihak Ketiga (DPK) di NTT (Miliar Rp)
Bank NTT's Share of Third Party Funds (DPK) in NTT (Billion IDR)
Tahun DPK Regional NTT DPK Bank NTT
%
Year NTT Regional DPK Bank NTT's DPK
2022 33.349 12.799 38.38%
2023 35.111 12.896 36.73%
2024 35.038 11.987 34.21
Peningkatan penghimpunan Dana Pihak Ketiga The increase in Third Party Funds (DPK) collection and
(DPK) dan penyaluran kredit Bank NTT tiap tahun lending of Bank NTT each year is influenced by the
dipengaruhi oleh peningkatan kapabilitas Bank increased capability of Bank NTT to contribute to
NTT untuk berkontribusi terhadap proyek-proyek Government infrastructure projects, both in the NTT
infrastruktur Pemerintah, baik yang berada di region and outside Java, as well as increased access
regional NTT atau di luar Jawa serta peningkatan of MSME businesses to the provision of micro business
akses pelaku usaha UMKM terhadap penyediaan capital.
modal usaha mikro.
Porsi Bank NTT atas Kredit yang diberikan di NTT (Miliar Rp)
Bank NTT's share of loans granted in NTT (Billion IDR)
Kredit yang diberikan Kredit yang diberikan
Tahun
secara Regional NTT secara Bank NTT %
Year
Regional loans in NTT Loans granted by Bank NTT
2022 42.275 11.815 27.95%
2023 48.871 12.474 25.52%
2024 50.871 12.766 25.10
Kontribusi Terhadap Contribution to Public
Kesehatan Masyarakat Health
Bank NTT turut berkontribusi terhadap peningkatan Bank NTT also contributes to improving health
kesehatan melalui pemberian secara berkala through the periodic provision of Peduli Stunting
bantuan dana Peduli Stunting untuk Balita di seluruh funds for toddlers throughout the NTT region since
wilayah NTT sejak beberapa tahun ini dan di Tahun several years and in 2024 assistance was provided
2024 dilakukan penyerahan bantuan kepada 100 to 100 stunted children at the Late Hospital location,
anak stunting di Lokasi RSUD Late Kecamatan Golewa District - Ngada Regency.
Golewa – Kabupaten Ngada.
Kontribusi lainnya adalah Bank NTT memiliki Program Another contribution is that Bank NTT has a KSPAMS
Pembiayaan KSPAMS (Kredit Sistem Penyediaan Financing Program (Kredit Drinking Water Supply
Air Minum dan Sanitasi) dalam upaya peningkatan and Sanitation System) in an effort to increase access
akses air bersih dan sanitasi yang aman dan layak to clean water and safe and proper community-
berbasis masyarakat di NTT. based sanitation in NTT.
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150 BANK NTT Laporan Keberlanjutan 2024 Pengelolaan Sumber Daya Manusia (Sdm) Secara Berkelanjutan Social Community Empowerment Pengelolaan SDM Berkelanjutan: Karyawan meningkat menjadi 2.053 orang, dengan 71% berpendidikan S1 ke atas, menunjukkan peningkatan kualitas dan daya saing SDM. Sustainable HR Management: Employees increased to 2,053 people, with 71% having a bachelor's degree and above, indicating an increase in the quality and competitiveness of human resources. Perkembangan industri perbankan ditengah The development of the banking industry amid persaingan yang kian ketat membuat Manajemen increasingly fierce competition has made Bank Bank NTT memandang pentingnya memiliki NTT Management see the importance of having Sumber Daya Manusia yang tangguh, disisi lain, strong Human Resources, on the other hand, human sumber daya manusia dapat tetap bertahan resources can survive because they have managerial karena mereka memiliki kompetensi manajerial, competence, namely the ability to formulate the yaitu kemampuan untuk merumuskan visi, misi company’s vision, mission and strategy and the ability dan strategi perusahaan serta kemampuan untuk to obtain and direct other resources in order to realize memperoleh dan mengarahkan sumber daya- the company’s vision and mission and implement the sumber daya lain dalam rangka mewujudkan visi company’s strategy. Therefore, Human Resources dan misi perusahaan serta menerapkan strategi as an asset of the bank, sustainably needs to be perusahaan. Oleh sebab itu, Sumber Daya Manusia improved so that it can support the transformation sebagai asset bank, secara sustainable perlu process of Bank NTT with outputs that are measurable ditingkatkan sehingga dapat menunjang proses in professionalism. Human Resources management transformasi Bank NTT dengan output yang terukur starts from planning, recruitment in accordance with secara profesionalisme. Pengelolaan Sumber Daya the development of Bank NTT’s business. Manusia di mulai dari perencanaan, perekrutan sesuai dengan perkembangan bisnis Bank NTT
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Pengelolaan Sumber Sustainable Human
Daya Manusia Secara Resource Management
Berkelanjutan
Pengelolaan Sumber Daya Manusia yang dijalankan The Human Resources Management carried out
Bank NTT mengacu pada Buku Manual Pedoman SDM by Bank NTT refers to the HR Guidelines Manual as
sebagaimana ditetapkan dalam Keputusan Direksi stipulated in the Decree of the Board of Directors No.
No. 129 Tahun 2018 Tentang Buku Pedoman Sumber 129 of 2018 concerning the Human Resources Manual
Daya Manusia PT. Bank Pembangunan Daerah Nusa of PT Bank Pembangunan Daerah Nusa Tenggara
Tenggara Timur. Bank NTT berkomitmen untuk secara Timur. Bank NTT is committed to continuously
berkelanjutan senantiasa meningkatkan kualitas, improving the quality, competence, career and
kompetensi, karir maupun kesejahteraan seluruh welfare of all employees as a strong foundation in
karyawan sebagai suatu landasan yang kuat dalam realizing the company’s Vision and Mission.
mewujudkan Visi dan Misi perusahaan.
Komitmen Bank NTT untuk terus mengembangkan Bank NTT’s commitment to continuously develop
kualitas dan kapasitas Sumber Daya Manusia the quality and capacity of Human Resources is
merupakan suatu proses perencanaan, a process of planning, organizing, implementing
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152 BANK NTT Laporan Keberlanjutan 2024 pengorganisasian, pelaksanaan dan pengendalian and controlling workforce activities optimally. The aktivitas tenaga kerja secara optimal. Kualitas SDM quality of human resources is one of the main keys merupakan salah satu kunci utama kesuksesan to the success of Bank NTT so that the role of human Bank NTT sehingga peran SDM terhadap kinerja resources in the overall performance of the Company Perusahaan secara keseluruhan adalah sangat is very important. penting . Dalam menghadapi persaingan Jasa Perbankan In facing the increasingly fierce competition in yang semakin ketat diperlukan suatu persiapan Banking Services, it is necessary to prepare and plan dan perencanaan yang matang terkait dengan carefully related to increasing employee competence peningkatan kompetensi pegawai untuk menjadi to become more qualified & professional. With the semakin berkualitas & profesional. Dengan tujuan aim of creating the best service to every customer, menciptakan layanan yang terbaik kepada setiap Bank NTT positions improving the quality of Human nasabah, Bank NTT memposisikan peningkatan Resources as one of the main priorities to support the kualitas Sumber Daya Manusia sebagai salah company’s operational activities. satu prioritas utama untuk menunjang kegiatan operasional perusahaan. Perencanaan Sumber Daya Manusia didukung oleh Human Resources planning is supported by policies kebijakan dan pelaksanaan recruitment, career and implementation of recruitment, career path, and path, dan job grading serta didukung oleh program job grading and supported by Education & Training Pendidikan & Pelatihan yang mendukung bisnis Bank programs that support the Bank’s business on a secara teratur dan berkesinambungan. regular and continuous basis. Keberagaman Komposisi Diversity of Employee Karyawan [GRI 405-1] Composition [GRI 405-1] Keragaman komposisi karyawan menuntut The diversity of employee composition requires the Manajemen Bank NTT untuk dapat memberikan Management of Bank NTT to be able to provide kesempatan yang sama kepada seluruh karyawan equal opportunities to all employees and see the dan memandang pentingnya penerapan non importance of applying non-discrimination in the diskriminasi pada unsur agama, suku, ras, golongan elements of religion, ethnicity, race, class and gender dan jenis kelamin namun tetap memandang faktor but still see the expertise and competency factors keahlian serta kompetensi sehingga mampu so as to create professionalism to support the menciptakan profesionalisme untuk menunjang operational activities of Bank NTT. This encourages kegiatan operasional Bank NTT. Hal ini mendorong Bank NTT to have a diverse composition while still Bank NTT memiliki komposisi yang beragam dengan prioritizing aspects of professionalism. tetap mengedepankan aspek profesionalitas.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Jumlah dan Komposisi Karyawan Bank NTT The number and composition of Bank NTT employees
Berdasarkan Tingkat Pendidikan selama 3 (tiga) by education level for the last 3 (three) years as
tahun terakhir sebagaimana tabel berikut : shown in the following table:
Jumlah dan Komposisi Karyawan Bank NTT Berdasarkan Tingkat Pendidikan
Number and Composition of Bank NTT Employees by Education Level
Tingkat Pendidikan
2022 2023 2024
Education Level
Doktoral (S3)
- -
Doctoral (S3)
Pasca Sarjana (S2)
66 74 74
Postgraduate (S2)
Sarjana (S1)
1381 1375 1460
Bachelor (S1)
Sarjana Muda
110 118 130
Bachelor
SMA
421 402 386
HIGH SCHOOL
SMP
4 4 3
SMP
SD
3 2 -
SD
Jumlah
1.985 1.975 2.053
Total
Berdasarkan tingkat pendidikan, pegawai Bank NTT Based on the level of education, Bank NTT employees
pada tahun 2024 di dominasi oleh tingkat pendidikan in 2024 are dominated by the level of education at
pada level sarjana sebesar 1.460 dari total pegawai the undergraduate level of 1,460 out of a total of
sebanyak 2.053 orang. Jumlah pegawai tahun 2024 2,053 employees. The number of employees in 2024
mengalami kenaikan sebanyak 78 orang atau naik has increased by 78 people or an increase of 3.95%
sebesar 3.95% dari tahun 2023 sebanyak 1.975 orang. from 2023 of 1,975 people.
Kenaikan Jumlah pegawai disebabkan adanya The increase in the number of employees is due to
penerimaan pegawai baru. the recruitment of new employees.
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BANK NTT Laporan Keberlanjutan 2024
Jumlah dan Komposisi Number and Composition
Karyawan Bank NTT of Bank NTT Employees by
Berdasarkan Tingkatan Position Level (Rank)
Posisi (Kepangkatan)
Jumlah komposisi karyawan Bank NTT berdasarkan The composition of Bank NTT’s employees by position
tingkatan posisi seperti tabel di bawah berikut: level is shown in the table below:
Jumlah komposisi karyawan Bank NTT berdasarkan Jabatan
Number and Composition of Bank NTT Employees by Position Level
Jabatan
2022 2023 2024
Position
Kepala Divisi
14 13 16
Head of Division
Wakil Kepala Divisi
2 2 2
Deputy Head of Division
Dana Pensiun
1 1 1
Pension Fund
Pemimpin Cabang
25 22 23
Branch Manager
Wakil Pemimpin cabang
26 25 21
Vice Branch Manager
Kepala ULP
- 1 1
Head of ULP
Kepala Sub Divisi
62 61 58
Head of Sub Division
Supervisi Kredit Cabang
- 27 27
Branch Credit Supervision
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Jumlah komposisi karyawan Bank NTT berdasarkan Jabatan
Number and Composition of Bank NTT Employees by Position Level
Jabatan
2022 2023 2024
Position
Supervisi Dana Cabang
- 23 23
Branch Fund Supervision
Supervisi Pelayanan
Cabang - 2 2
Branch Service Supervision
Supervisi Administrasi
Keuangan & Akuntansi
Cabang - 2 2
Supervise Branch Finance &
Accounting Administration
Supervisi Pelayanan & Kas
Cabang Pembantu
- 3 3
Supervision of Sub-Branch
Services & Cash
Supervisi IT
- 1 1
IT Supervision
Supervisi Umum
- 1 1
General Supervision
Supervisi Jasa
- 1 1
Supervision Services
Pemimpin Cabang
Pembantu 41 46 46
Branch Manager
Wakil Pemimpin cabang
pembantu 39 39 44
Vice Branch Manager
Kepala Kliring
8 5 5
Head of Clearing
Officer
106 43 47
Officer
Sekretaris
7 6
Secretary
Kepala Kantor Kas
75 - -
Head of Cash Office
Kepala Kantor Fungsional
54 117 128
Head of Functional Office
Head teller
28 28 28
Head teller
Pejabat fungsional
59 115 122
Functional official
Auditor internal
14 - 13
Internal auditor
Risk Control
34 - 36
Risk Control
Staf Direksi
- 16 15
Board of Directors Staff
Pelaksana
1397 1374 1381
Executive
Jumlah
1.985 1.975 2.053
Total
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BANK NTT Laporan Keberlanjutan 2024
Proporsi Manajemen Senior Proportion of Senior
dari Masyarakat Lokal Management from
Communities
Sampai dengan saat ini, Bank NTT belum menerapkan Until now, Bank NTT has not implemented the
penggunaan tenaga kerja asing seluruh karyawan use of foreign labor, all employees at the Senior
tingkatan manajemen Senior (Pejabat Eksekutif yang management level (Executive Officers who are 1 level
berada 1 tingkat dibawah Direksi) merupakan Warga below the Board of Directors) are Indonesian citizens
Negara Indonesia (berasal dari masyarakat lokal). (from the local community).
Jumlah dan Komposisi Number and Composition
Karyawan Bank NTT of Bank NTT Employees by
Berdasarkan Usia Age
Jumlah komposisi karyawan Bank NTT berdasarkan The total composition of Bank NTT employees by
usia sebagaimana tabel dibawah ini : age is as shown in the table below:
Usia Pegawai
2022 2023 2024
Employee Age
50 – 59 106 108 109
40 – 49 343 384 441
30 – 39 917 940 930
20 – 29 608 543 572
17 – 19 11 0 1
Jumlah
1.985 1.975 2.053
Total
Semakin muda dan energik. Komposisi usia karyawan Younger and more energetic. The age composition
Bank NTT di tahun 2024 didominasi oleh karyawan of Bank NTT’s employees in 2024 was dominated
yang berusia 30-39 tahun yang jumlahnya mencapai by employees aged 30-39 years, which amounted
930 orang. Jumlah ini agak menurun dibandingkan to 930 people. This number has decreased slightly
jumlah karyawan berusia 30-39 tahun di tahun 2023 compared to the number of employees aged 30-39
yang mencapai 940 orang . Perpaduan dengan in 2023, which reached 940 people. The combination
jumlah karyawan yang berusia di atas 40 tahun with the number of employees over 40 years old who
yang sarat pengalaman, memberikan kombinasi are full of experience, provides a good combination
yang baik bagi Bank NTT dan memberikan kontribusi for Bank NTT and makes a positive contribution to
positif untuk keberlanjutan bisnis Bank NTT. the sustainability of Bank NTT’s business.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Jumlah dan Komposisi Number and Composition
Karyawan Bank NTT of Bank NTT Employees by
Berdasarkan Jenis Kelamin Gender
Jumlah komposisi karyawan Bank NTT berdasarkan The total composition of Bank NTT employees based
jenis kelamin sebagaimana tabel dibawah ini: on gender is as shown in the table below:
Jenis Kelamin
2022 2023 2024
Gender
Laki-laki
969 964 979
Male
Perempuan
1016 1011 1.074
Female
Jumlah
1.985 1.975 2.053
Total
Komposisi karyawan berdasarkan jenis kelamin The composition of employees by gender between
antara laki-laki dan perempuan di tahun 2024 men and women in 2024 is at a ratio of 47 : 50 where
berada pada rasio 47 : 50 dimana rasio tersebut the ratio did not change too much with 2023. thus
tidak terlalu mengalami perubahan dengan tahun Bank NTT has paid attention to gender equality
2023. dengan demikian Bank NTT telah memberikan while still paying attention to the competence of
perhatian terhadap kesetaraan gender dengan employees and the human resource development
tetap memperhatikan kompetensi dari karyawan needs of Bank NTT.
dan kebutuhan pengembangan sumber daya
manusia Bank NTT.
Pendidikan dan Pelatihan Education and Training [GRI
[GRI 404] 404]
Dalam rangka meningkatkan kompetensi, berikut In order to improve competence, the following are
jenis dan jumlah peserta pelatihan yang dilaksanakan the types and number of training participants carried
selama 3 (tiga) tahun terakhir: out over the past 3 (three) years:
Jenis Pelatihan
2022 2023 2024
Type of Training
Technical Skill:
4.121 2.302 2.127
Technical Skill:
Pelaporan Bank
113 94 59
Bank Reporting
Perkreditan & Treasury
268 181 115
Credit & Treasury
Manajemen Risiko
419 214 689
Risk Management
Sosialisasi ketentuan perbankan
1277 546 147
Socialization of banking regulations
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BANK NTT Laporan Keberlanjutan 2024
Jenis Pelatihan
2022 2023 2024
Type of Training
Audit
19 59
Audit
Teknologi informasi
30 38 4
Information technology
Manajemen Umum
32 194 -
General Management
Manajemen Perbankan
117 728 14
Banking Management
Lainnya
1846 307 1040
More
Soft Skill:
765 397 2.773
Soft Skill:
Analisa masalah & pengambilan keputusan
21 -
Problem analysis & decision making
Customer relationship skill
58 126 -
Customer relationship skills
Leadership
194 90 14
Leadership
Lainnya
492 181 2759
More
Jumlah
4.886 2.699 4.900
Total
Di tahun 2024 program pendidikan dan pelatihan In 2024 the education and training program increased
meningkat dengan jumlah peserta yang mengikuti with the number of participants who participated in
kegiatan tersebut dengan kepesertaan sebanyak these activities with 4,900 people compared to 2,669
4.900 orang dibanding tahun 2023 sebanyak 2.669 people in 2023. This increase is due to the recruitment
orang. Kenaikan ini disebabkan adanya perekrutan of new employees and HR training programs related
pegawai baru serta program diklat SDM terkait to the development of employee skills.
pengembangan kemampuan skill pegawai.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Praktek Ketenagakerjaan Humanistic Employment
Yang Humanis Practices
Bank NTT berkomitmen untuk melaksanakan Bank NTT is committed to implementing human
praktik pengelolaan sumber daya manusia dan resource management practices and labor relations
hubungan ketenagakerjaan sesuai dengan in accordance with applicable laws, especially the
perundangundangan yang berlaku khususnya Labor Law. Bank NTT guarantees the rights and
Undang- Undang Ketenagakerjaan. Bank NTT obligations of each employee, including providing
menjamin hak-hak dan kewajiban setiap karyawan employment protection to employees.
termasuk diantaranya memberikan perlindungan
kerja pada karyawan.
Standar Upah Karyawan Employee Wage Standard
[GRI 202-1] [GRI 202-1]
Bank NTT memberikan imbalan finansial berupa gaji Bank NTT provides financial rewards in the form of
yang layak diatas Upah Minimum Regional termasuk decent salaries above the Regional Minimum Wage
kepada karyawan entry level di semua wilayah including to entry level employees in all operational
operasional Bank NTT. Selain gaji, Bank NTT juga areas of Bank NTT. In addition to salaries, Bank NTT
memberikan berbagai macam fasilitas lain sesuai also provides various other facilities in accordance
dengan peraturan dan ketentuan yang berlaku. with applicable rules and regulations.
Perbandingan Upah Minimum
Minimum Wage Comparison
Indikator
2022 2023 2024
Indicator
Upah Minimum Propinsi NTT
2.187.000 2.123.994 2.186.826
Minimum Wage of NTT Province
Gaji entry level karyawan
4.000.000 4.000.000 4.000.000
Entry level employee salary
Page 162
160 BANK NTT Laporan Keberlanjutan 2024 Kesetaraan & Non Equality & Non- Diskriminasi [GRI 405-2, Discrimination [GRI 405-2, 406-1] 406-1] Bank NTT menerapkan kesempatan yang setara dan Bank NTT applies equal and non-discriminatory non diskriminatif tanpa memperhatikan Suku, Agama opportunities without regard to Ethnicity, Religion dan Ras serta Jenis Kelamin kepada seluruh karyawan and Race and Gender to all employees in developing dalam mengembangkan karir. Hal ini juga mencakup careers. This also includes the provision of equal kepada pemberian gaji dan remunerasi yang setara salaries and remuneration between male and female antara karyawan laki-laki dan perempuan di setiap employees in each operational area of Bank NTT. wilayah operasional Bank NTT. Sepanjang tahun Throughout 2024 there were no reported incidents of 2024 tidak terdapat pelaporan insiden diskriminasi discrimination experienced by Bank NTT employees. yang dialami karyawan Bank NTT. Pekerja Anak & Pekerja Child & Youth Labor [GRI Muda [GRI 408-1] 408-1] Sebagai bentuk komitmen Bank NTT terhadap As a form of Bank NTT’s commitment to child perlindungan anak, Bank NTT tidak mempekerjakan protection, Bank NTT does not employ child laborers pekerja anak dan pekerja muda (pekerja yang and young workers (workers under 18 years of age). berusia dibawah 18 tahun). Hal ini telah diterapkan This has been applied to all operational activities of pada seluruh kegiatan operasional Bank NTT di Bank NTT in all operational areas of Bank NTT so that seluruh wilayah operasional Bank NTT sehingga throughout 2024 there were no reports of operational sepanjang tahun 2024 tidak terdapat laporan activities that had a significant risk of incidents kegiatan operasional yang memiliki risiko signifikan involving child labor or young workers exposed to terhadap insiden yang melibatkan pekerja anak atau hazardous work. pekerja muda yang terpapar pekerjaan berbahaya. Komitmen ini juga diterapkan Bank NTT kepada Bank NTT also applies this commitment to suppliers pemasok dengan memilih pemasok yang tidak by selecting suppliers that do not employ child labor mempekerjakan pekerja anak dan pekerja muda and young workers under the age of 18. yang berusia dibawah 18 tahun.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Kerja Paksa [GRI 409-1] Forced Labor [GRI 409-1]
Hal ini diwujudkan dengan praktek hubungan kerja This is manifested in humane and reasonable
yang manusiawi dan sesuai dengan batas kewajaran, employment practices, with no forced or compulsory
dengan tidak menerapkan kerja paksa atau wajib labor. So that there is no reporting of operating
kerja. Sehingga tidak terdapat pelaporan kegiatan activities that have a significant risk of forced or
operasi yang memiliki risiko signifikan terhadap compulsory labor incidents. Bank NTT also applies
insiden kerja paksa atau wajib kerja. Komitmen ini this commitment to suppliers by selecting suppliers
juga diterapkan Bank NTT kepada pemasok dengan that do not apply forced or compulsory labor.
memilih pemasok yang tidak menerapkan kerja
paksa atau wajib kerja.
Iklim & Lingkungan Kerja Appropriate, Safe and Work
Yang Layak, Aman dan Climate & Environment
Kondusif
Bank NTT menyakini pencapaian kinerja terbaik Bank NTT believes that achieving the best
hanya akan dapat dicapai dengan penciptaan iklim performance can only be achieved by creating
dan lingkungan kerja yang layak, aman dan kondusif a decent, safe and conducive work climate and
yang dibangun secara mendasar dan filosofis melalui environment that is built fundamentally and
penerapan budaya perusahaan dan kejelasan visi philosophically through the application of corporate
dan misi Bank NTT. Iklim kondusif tersebut dibangun culture and clarity of Bank NTT’s vision and mission.
dengan kesadaran kompetisi kinerja secara sehat, This conducive climate is built with the awareness
melalui penilaian kinerja yang transparan dan adil of healthy performance competition, through
untuk individu, evaluasi kinerja unit kerja secara transparent and fair performance appraisals
berkala maupun pelaporan kinerja keuangan Bank for individuals, periodic evaluation of work unit
NTT secara keseluruhan. performance and reporting on the overall financial
performance of Bank NTT.
Page 164
162 BANK NTT Laporan Keberlanjutan 2024 PERLINDUNGAN KEPADA NASABAH Customer Protection Perlindungan Nasabah & Kepatuhan: Tidak ada pelanggaran privasi atau insiden pemasaran, serta pengaduan nasabah terselesaikan tepat waktu. Customer Protection & Compliance: There were no privacy breaches or marketing incidents, and customer complaints were resolved in a timely manner. Pengaduan Nasabah [GRI Customer Complaints [GRI 416-1, 416-2] 416-1, 416-2] Pengaduan Nasabah via Customer Complaint via Customer Service Customer Bank NTT selalu berupaya untuk memberikan Bank NTT always strives to provide the best service to pelayanan terbaik kepada nasabah termasuk pada customers including when responding to complaints saat menanggapi pengaduan dari nasabah saat from customers when visiting service offices. mengunjungi kantor layanan. Pengaduan Nasabah via Call Customer Complaint via Call Centre Center Bank NTT memberikan kenyamanan bertransaksi Bank NTT provides transaction convenience which is yang merupakan prioritas utama dan nasabah the top priority and customers need answers to their membutuhkan jawaban atas pengaduan mereka complaints quickly can contact the NTT BANK CALL dengan cepat dapat menghubungi layanan CENTER service with Tel Number: 14013 & 08113814013 CALL CENTER BANK NTT dengan Nomor Telp and or via email: pengaduannasabah@bpdntt.co.id, : 14013 & 08113814013 dan atau melalui email : will get a response quickly and real time 24 hours
Page 165
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
pengaduannasabah@bpdntt.co.id, akan mendapat
tanggapan secara cepat dan real time 24 Jam.
Pengaduan Nasabah Via Surat Customer Complaints Via Letters
Pembaca di Media Massa to the Editor in Mass Media
Bank NTT senantiasa menanggapi dengan Bank NTT always responds well to all customer
baik segala pengaduan nasabah yang terbit di complaints published in reader letters in various
surat pembaca diberbagai media. Bank wajib media. The Bank is obliged to resolve complaints no
menyelesaikan pengaduan paling lambat 14 later than 14 (fourteen) working days after the date of
(empat belas hari kerja setelah tanggal penerimaan receipt of the written complaint and in the event of
pengaduan tertulis dan dalam hal terdapat kondisi certain conditions, the Bank may extend the period
tertentu, Bank dapat memperpanjang jangka to a maximum of 14 (fourteen) working days, Bank
waktu sampai dengan paling lama 14 (empat belas) NTT then resolves and submits to the same media to
hari kerja, Bank NTT kemudian menyelesaikan dan be published as Bank NTT’s right of reply. Throughout
menyampaikan kepada media yang sama untuk 2024, there were no customer complaints published
dimuat sebagai hak jawab Bank NTT. Sepanjang in letters to the editor in local and national media.
tahun 2024, tidak terdapat pengaduan nasabah
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BANK NTT Laporan Keberlanjutan 2024
yang dimuat dalam surat pembaca di media lokal
maupun nasional.
Umpan Balik Pengaduan Customer Complaint Feedback
Nasabah
Bank NTT terus berupaya memperhatikan setiap Bank NTT continues to pay attention to every
kebutuhan dan keinginan nasabah melalui sarana need and desire of customers through complaints,
pengaduan, keluhan dan saran yang disampaikan complaints and suggestions submitted through
melalui berbagai media komunikasi. Bank NTT juga various communication media. Bank NTT also strives
berupaya untuk memberikan umpan balik semaksimal to provide feedback as much as possible. From
mungkin. Dari berbagai keluhan dan pengaduan various complaints and complaints and suggestions
dan saran yang masuk Bank NTT berupaya untuk that enter Bank NTT endeavors to respond in
menanggapi sesuai ketentuan internal yang berlaku. accordance with applicable internal regulations.
Seluruh pengaduan nasabah didokumentasikan All customer complaints are well documented and
dengan baik dan terus berupaya meningkatkan continue to improve the quality of service to the
kualitas pelayanan kepada masyarakat. community.
Pelaporan Penyelesaian Reporting of Complaint
Pengaduan Nasabah Settlement
Sebagai bentuk pertanggungjawaban Bank NTT As a form of Bank NTT’s accountability as a financial
sebagai lembaga keuangan yang terdaftar dan institution registered and supervised by the regulator,
diawasi oleh regulator, Bank NTT melaporkan Bank NTT periodically reports the settlement of
penyelesaian pengaduan nasabah secara periodik customer complaints to the regulator.
kepada regulator.
Keterbukaan Informasi atas Disclosure of Information
Produk dan Layanan [GRI on Products and Services
417-1, 417-2] [GRI 417-1, 417-2]
Dalam memberikan perlindungan konsumen kepada In providing consumer protection to customers,
nasabah, Bank NTT senantiasa meningkatkan Bank NTT always improves the quality of information
kualitas keterbukaan informasi khususnya mengenai disclosure, especially regarding the benefits obtained
manfaat yang didapat dari penggunaan produk from using products and services. The delivery of
dan layanan. Penyampaian keterbukaan informasi information disclosure regarding products and
mengenai produk dan layanan disampaikan dalam services is delivered on face-to-face opportunities
kesempatan tatap muka dengan calon nasabah dan with prospective customers and customers of
nasabah Bank NTT serta melalui kemasan produk Bank NTT as well as through product and service
dan layanan ataupun melalui media komunikasi packaging or through communication media such
seperti brosur, akun sosial media humas Bank NTT as brochures, social media accounts of Bank NTT
(Instagram, Facebook) , ataupun Website Bank NTT. public relations (Instagram, Facebook), or Bank NTT
Website.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Komunikasi Pemasaran yang Responsible Marketing
Bertanggung Jawab [GRI Communications [GRI 417-3]
417-3]
Strategi pemasaran yang dilakukan Bank NTT The marketing strategy carried out by Bank NTT
didukung dengan peningkatan fungsi sosialisasi, is supported by increasing the socialization,
komunikasi dan promosi mengenai keberadaan communication and promotion functions regarding
Bank NTT dan memperkenalkan produk dan layanan the existence of Bank NTT and introducing Bank NTT
Bank NTT melalui beragam media promosi dan products and services through various promotional
aktivitas atau program promosi. Bank NTT melakukan media and promotional activities or programs. Bank
aktivitas komunikasi pemasaran yang beretika NTT conducts ethical and responsible marketing
dan bertanggung jawab dengan memperhatikan communication activities by taking into account
kepentingan nasabah sehingga sepanjang tahun the interests of customers so that throughout 2024
2024 tidak terdapat insiden ketidakpatuhan there were no incidents of non-compliance with
terhadap regulasi dan/ atau peraturan yang regulations and/or regulations concerning marketing
menyangkut komunikasi pemasaran. communication.
Privasi nasabah [GRI 418-1] Customer privacy [GRI 418-1]
Bank NTT senantiasa memperhatikan aspek privasi Bank NTT always pays attention to aspects of
pelanggan dan perlindungan terhadap data customer privacy and protection of customer data.
pelanggan. Sepanjang tahun 2024 tidak terdapat Throughout 2024 there were no complaints regarding
pengaduan mengenai pelanggaran terhadap violations of customer privacy and leakage, theft or
privasi nasabah dan kebocoran, pencurian atau loss of customer data.
kehilangan data nasabah.
Inovasi dan pengembangan Innovation and
Produk dan/atau Jasa development of Financial
Keuangan Berkelanjutan Products and/or Services
Bank NTT terus senantiasa melakukan Bank NTT continues to develop in the field
pengembangan di bidang informasi teknologi dalam of information technology in supporting the
mendukung pengembangan produk perbankan yang development of banking products related to
berkaitan dengan peningkatan layanan kepada improving services to customers. Information
nasabah. Pengembangan informasi teknologi technology development is focused on Bank NTT
difokuskan pada Bank NTT menuju perbankan digital towards digital banking with a strategic plan that
dengan rencana starategi yang meliputi: includes:
1. Peningkatan layanan melalui penyediaan Cash 1. Service improvement through the provision of
Recycling Mechine (CRM) guna mendukung bisnis Cash Recycling Machine (CRM) to support the
bank; bank’s business;
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BANK NTT Laporan Keberlanjutan 2024
2. Managed Service Router Switch dan Antivirus; 2. Managed Service Router Switch and Antivirus;
3. Produk dan/atau aktivitas baru E-Money 3. The new E-Money or electronic money product
atau uang elektronik merupakan kerjasama and/or activity is a collaboration between Bank
Bank NTT dengan Bank DKI dalam skema Co- NTT and Bank DKI in a Co-Branding scheme. Co-
Branding. Kerjasama co-branding dilakukan branding cooperation is carried out to support
untuk mendukung bisnis bank dengan Kantor the bank’s business with the Office of Syahbandar
Syahbandar dan Otoritas Pelabuhan Kelas III and Port Authority Class III Labuan Bajo.
Labuan Bajo
4. Produk baru Digital Loan ; merupakan produk 4. The new product Digital Loan; is a product
melalui aplikasi online Mobile Banking Bank NTT through Bank NTT’s Mobile Banking online
dimana layanan Kredit Konsumsi dapat di proses application where Consumer Credit services
dengan lebih mudah dan cepat. Produk ini telah can be processed more easily and quickly. This
mendapatkan persetujuan dari Otoritas Jasa product has received approval from the Financial
Keuangan (OJK). Services Authority (OJK).
5. Aplikasi SAM ; Aplikasi yang dipergunakan untuk 5. SAM Application; An application used for mapping
melakukan Mapping terhadap aktivitas kredit, credit activities, monitoring and evaluating credit
monitoring dan evaluasi penyaluran kredit. distribution.
6. Be Pinjam ; merupakan aktivitas inisiasi untuk 6. Be Pinjam; is an initiation activity to simplify and
mempermudah dan mempercepat proses speed up the loan process for customers who
pinjaman bagi nasabah yang ingin melakukan want to make loans through Bank NTT’s mobile
kredit melalui aplikasi mobile banking Bank NTT. banking application.
7. E-Arsip ; aplikasi yang diperuntukan untuk 7. E-Archive; an application intended for managing
pengelolaan kearsipan/dokumen bank secara bank archives/documents electronically/digitally
elektronik/digital sehingga mempermudah so as to facilitate the management of bank
pengelolaan kearsipan/dokumen bank. archives/documents.
8. In - Office : aplikasi yang mentransformasikan 8. In - Office: an application that transforms the
system korespondensi yang asalnya berbasis original paper-based correspondence system
kertas menjadi berbasis eletronik. into an electronic-based one.
9. Aplikasi Activo : aplikasi dalam Pencatatan Asset 9. Activo application: application in recording fixed
tetap dan barang persediaan. assets and inventory items.
10. Kebijakan dan Tata Kelola IT. 10. IT Policy and Governance.
Untuk mendukung kebutuhan bisnis, To support business needs, improve services
meningkatkan layanan kepada N asabah to customers and smooth operations at Bank
dan kelancaran operasional di Bank NTT, maka NTT, good IT governance is required. Bank NTT’s
diperlukan tata kelola IT yang baik. Tata kelola IT IT governance is developed based on Bank
Bank NTT dikembangkan dengan berpedoman Indonesia (BI) regulations and Financial Services
pada Peraturan Bank Indonesia (BI) dan Peraturan Authority (OJK) regulations.
Otoritas Jasa Keuangan (OJK).
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Secara garis besar, aktivitas IT di Bank NTT dibagi Broadly speaking, IT activities at Bank NTT are divided
dalam 4 proses, yaitu Perencanaan (Planning), into 4 processes, namely Planning, Development, IT
Pengembangan (Development), Operasional IT ( IT Operations and IT Security.
Operasional) dan Pengamanan (IT Security).
Adapun Produk Bank Berbasis IT yang dimiliki sampai The IT-based Bank Products owned until December
dengan 31 Desember 2024 yakni : 31, 2024 are :
1. Layanan RTGS & SKNBI. 1. RTGS & SKNBI services.
2. Layanan Mobile Banking Bank NTT (B Pung 2. Bank NTT Mobile Banking Service (B Pung Mobile)
Mobile) versi android dan IOS. android and IOS versions.
3. Layanan EDC Merchant, EDC Laku Pandai. 3. EDC Merchant Services, EDC Laku Pandai.
4. Layanan Agen DI@ BISA. 4. DI@ CAN Agent Service.
5. Layanan COB (Customer On Boarding). 5. COB (Customer On Boarding) Service.
6. Layanan LOS (Loan Origination System) 6. LOS (Loan Origination System) Service
7. Aplikasi Be Pung Petani 7. Farmer’s Be Pung App
8. Layanan ATM & CRM 8. ATM & CRM Services
9. Layanan Smart Branch (SBS, STS, Kios K) 9. Smart Branch Services (SBS, STS, Kiosk K)
10. Internet Bangking Bussines (IBB) 10. Internet Bangking Bussines (IBB)
11. Aplikasi QRIS. 11. QRIS application.
12. Aplikasi PDAM. 12. PDAM Application.
13. Aplikasi Samsat Online. 13. Samsat Online Application.
14. Aplikasi CMS. 14. CMS Application.
15. Aplikasi PBB. 15. UN Application.
16. Aplikasi 9 Pajak Daerah. 16. 9 Local Tax Applications.
17. Aplikasi Pembayaran Sekolah & Universitas. 17. School & University Payment App.
18. Aplikasi KPI. 18. KPI Application.
19. Aplikasi In-Office 19. In-Office Applications
20. Layanan KKI (Kartu Kredit Indonesia) 20. KKI (Indonesian Credit Card) Service
21. Aplikasi Program Bank NTT Point bersama Loyalti. 21. Application of Bank NTT Point Program with
Loyalty.
Keamanan Produk Bagi Product Safety for
Nasabah customers
Sebagai komitmen Bank NTT dalam memberikan As Bank NTT’s commitment to providing consumer
perlindungan konsumen kepada para nasabahnya, protection to its customers, Bank NTT always
Bank NTT senantiasa menerapkan keterbukaan implements disclosure of information on Bank
informasi produk dan layanan Bank NTT termasuk NTT’s products and services, including informing
diantaranya menginformasikan manfaat dan the benefits and risks of each Bank NTT product.
risiko dari setiap produk Bank NTT. Penyampaian Submission of product and service information
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BANK NTT Laporan Keberlanjutan 2024
keterbukaan informasi produk dan layanan disclosure is delivered through various official
disampaikan melalui berbagai media komunikasi communication media of Bank NTT such as but not
resmi Bank NTT seperti namun tidak terbatas limited to websites, social media and print media
kepada website, sosial media dan media cetak published by Bank NTT. The delivery of product and
yang diterbitkan oleh Bank NTT. Penyampaian service information disclosure of Bank NTT is also
keterbukaan informasi produk dan layanan Bank conveyed in customer interactions with frontline
NTT juga disampaikan pada interaksi nasabah officers at Bank NTT service offices or with Bank NTT
dengan petugas frontliner di kantor layanan Bank marketing personnel.
NTT ataupun dengan tenaga pemasaran Bank NTT.
Dampak Positif dan Dampak Positive and Negative
Negatif yang Ditimbulkan, Impacts Caused,
Proses Distribusi, dan Distribution Process, and
Mitigasi Yang Dilakukan Mitigation
Adapun manfaat dari produk perbankan digital The benefits of digital banking products are to
adalah mendorong penerapan transaksi non tunai encourage the implementation of non-cash
sehingga memberikan dampak positif terhadap transactions so that it has a positive impact on
pengurangan emisi seperti : reducing emissions such as
• Mengurangi penggunaan uang kertas dan • Reduce the use of banknotes and paper that
kertas yang sebelumnya dipergunakan sebagai were previously used as documents or proof of
dokumen atau bukti transaksi. transactions.
• Mengurangi dampak polusi udara yang • Reducing the impact of air pollution caused
ditimbulkan dari aktivitas transportasi nasabah by transportation activities, customers who
yang sebelumnya harus melakukan transaksi previously had to make transactions at service
di kantor layanan menjadi dapat melakukan offices can now make payment transactions
transaksi pembayaran tanpa harus mengunjungi without having to visit service offices.
kantor layanan.
• Mengurangi penggunaan listrik yang ditimbulkan • Reduce electricity usage generated by banking
oleh aktivitas transaksi perbankan di kantor transaction activities at service offices if more
layanan jika semakin banyak nasabah melakukan customers bank online.
transaksi perbankan secara online.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Proses pendistribusian setiap produk dan layanan The distribution process of each product and
Bank NTT telah dilengkapi dengan SOP dan service of Bank NTT has been equipped with
petunjuk teknis sehingga telah terstandarisasi demi SOPs and technical guidelines so that it has been
meningkatkan perlindungan kepada nasabah. standardized in order to increase protection to
Nasabah produk Tabungan yang dilengkapi customers. Customers of Savings products equipped
kartu ATM senantiasa diwajibkan untuk menjaga with ATM cards are always required to maintain the
kerahasiaan dari PIN kartu ATM. confidentiality of the ATM card PIN.
Jumlah Produk Yang Ditarik Number of Recalled
Kembali dan Alasannya Products and Reasons
Sepanjang tahun 2024, tidak ada produk dan Throughout 2024, no products and services of Bank
layanan Bank NTT yang ditarik kembali peredarannya NTT were withdrawn from circulation by customers.
dari nasabah.
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BANK NTT Laporan Keberlanjutan 2024
Tanggung Jawab Kepada Sektor Pendidikan
Responsibility to the Education Sector
Tanggung Jawab Sektor Pendidikan: Menyediakan
layanan payroll dan penyaluran dana BOS, serta magang
dengan perguruan tinggi sebagai bentuk kontribusi
jangka panjang.
Education Sector Responsibility: Providing payroll services and
distribution of BOS funds, as well as internships with universities as a
form of long-term contribution.
Bank NTT mendukung dunia pendidikan dengan Bank NTT supports the world of education with
berbagai bentuk pelayanan produk dan jasa various forms of banking products and services.
perbankan. Bank NTT mendukung program kerja Bank NTT supports the work programs of the NTT
Pemerintah Provinsi NTT, kabupaten dan kota yang Provincial Government, districts and cities related
terkait dengan sektor pendidikan melalui kerjasama to the education sector through cooperation with
dengan Dinas Pendidikan dan instansi terkait the Education Office and other related agencies.
lainnya. Bank NTT juga membangun kemitraan dan Bank NTT also builds partnerships and strategic
kerjasama strategis dengan instansi pendidikan cooperation with educational institutions ranging
mulai dari tingkatan dasar, menengah dan perguruan from elementary, secondary and tertiary levels.
tinggi.
Kemitraan Strategis Dengan Instansi Pendidikan Strategic Partnerships with Education Agencies
Bank NTT terus mendukung program kerja Bank NTT continues to support the work programs
Pemerintah Provinsi NTT, kabupaten dan kota melalui of the NTT Provincial Government, districts and cities
dukungan layanan jasa perbankan, seperti namun through the support of banking services, such as but
tidak terbatas kepada : not limited to:
· Pembayaran Payroll untuk dinas pendidikan. · Payroll payment for the education office.
· Penyaluran bantuan Dana Operasional Sekolah. · Distribution of School Operational Fund
assistance.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Kemitraan Strategis Dengan Strategic Partnership with
Dunia Pendidikan the World of Education
Bank NTT berkomitmen untuk terus membangun Bank NTT is committed to continuing to build on
hubungan kemitraan dan kerjasama yang telah the partnerships and cooperation that have been
dibangun dengan sejumlah instansi pendidikan built with a number of educational institutions
dengan menjadi penyedia jasa dan layanan by becoming a provider of banking services and
perbankan. Bank NTT menjadi mitra strategis bagi services. Bank NTT has become a strategic partner
berbagai instansi pendidikan mulai dari tingkatan for various educational institutions ranging from
dasar, menengah hingga tingkat tinggi. Kemitraan primary, secondary to higher levels. The partnership
tersebut berbentuk : is in the form of :
• Layanan perbankan melalui pemanfaatan • Banking services through the utilization of Bank
produk dan layanan Bank NTT. NTT products and services.
• Program edukasi perbankan. • Banking education program.
• Program magang dengan sejumlah Perguruan • Internship program with a number of universities.
Tinggi.
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BANK NTT Laporan Keberlanjutan 2024
Menuju Kantor Ramah Towards an Eco-Friendly
Lingkungan Office
Secara bertahap, Bank NTT terus mendorong Gradually, Bank NTT continues to encourage
karyawan meningkatkan kesadaran akan pentingnya employees to raise awareness of the importance of
penerapan kantor yang ramah lingkungan. Hal ini implementing an environmentally friendly office. This
dilakukan dengan berbagai upaya, diantaranya : is done with various efforts, including
· Meningkatkan kesadaran akan pentingnya · Raising awareness of the importance of efficient
efisiensi penggunaan energi (listrik dan bahan use of energy (electricity and fuel) through simple
bakar) melalui perilaku individual yang sederhana yet impactful individual behaviors such as using
namun berdampak positif seperti menggunakan energy-saving modes, turning off lights when
mode hemat energi, mematikan lampu saat leaving a room and efficient use of electrical
meninggalkan ruang dan efisiensi penggunaan devices for personal use.
alat listrik untuk keperluan pribadi.
· Meminimalisir dampak dari limbah seperti efisiensi · Minimizing the impact of waste such as efficient
penggunaan alat tulis kantor dan membuang use of office stationery and disposing of
sampah pada tempat yang telah disediakan garbage in the space provided where Bank NTT
dimana Bank Bank NTT menyakini dengan terus believes that by continuing to encourage the
mendorong penerapan transaksi non tunai implementation of non-cash transactions through
melalui pengembangan produk dan layanan the development of digital banking products and
perbankan digital akan memberikan kontribusi services will make a positive contribution to the
yang positif terhadap lingkungan hidup. environment.
Bank NTT terus mendorong penggunaan In- Bank NTT continues to encourage the use of the In-
office dan Cash Management System sebagai office and Cash Management System as a means
sarana pengelolaan surat menyurat dan aktivitas of managing correspondence and office activities
perkantoran secara online dan alat transaksi online and transaction tools for the community and
masyarakat dan dunia usaha sebagai upaya untuk the business world as an effort to reduce the use
mengurangi penggunaan kertas dan plastik. Adapun of paper and plastic. The benefits of implementing
manfaat dari penerapan transaksi non tunai adalah : non-cash transactions are
· Mengurangi penggunaan uang kertas dan · Reduce the use of banknotes and paper that
kertas yang sebelumnya dipergunakan sebagai were previously used as documents or proof of
dokumen atau bukti transaksi. transactions.
· Mengurangi dampak polusi udara yang · Reducing the impact of air pollution caused
ditimbulkan dari aktivitas transportasi nasabah by transportation activities, customers who
yang sebelumnya harus melakukan transaksi previously had to make transactions at service
di kantor layanan menjadi dapat melakukan offices can now make payment transactions
transaksi pembayaran tanpa harus mengunjungi without having to visit service offices.
kantor layanan.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
· Mengurangi penggunaan listrik yang · Reducing the use of electricity generated by
ditimbulkan oleh aktivitas transaksi perbankan banking transaction activities in service offices
di kantor layanan jika semakin banyak nasabah if more and more customers conduct banking
melakukan transaksi perbankan secara online. transactions online. has provided organic and
telah menyediakan tempat sampah organik non-organic waste bins and reduced the use
dan non organik serta mengurangi penggunaan of bottled drinking water to minimize the use of
air minum dalam kemasan untuk meminimalisir plastic.
penggunaan plastik.
Pengembangan Produk dan Development of Digital
Layanan Perbankan Digital Banking Products and
& Penerapan Transaksi Non Services & Implementation
Tunai of Transactions
Bank NTT menyakini dengan terus mendorong Bank NTT believes that by continuing to encourage
penerapan transaksi non tunai melalui the implementation of non-cash transactions
pengembangan produk dan layanan perbankan through the development of digital banking products
digital akan memberikan kontribusi yang positif and services, it will make a positive contribution to the
terhadap lingkungan hidup. Bank NTT terus environment. Bank NTT continues to encourage the
mendorong penggunaan aplikasi layanan keuangan use of financial service applications such as payroll
yaitu seperti payroll dan Cash Management System and Cash Management System as a transaction
sebagai alat transaksi masyarakat dan dunia usaha tool for the community and the business world as an
sebagai upaya untuk mengurangi penggunaan effort to reduce the use of paper and plastic.
kertas dan plastik.
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BANK NTT Laporan Keberlanjutan 2024
Adapun manfaat dari penerapan transaksi non tunai The benefits of implementing non-cash transactions
adalah : are :
· Mengurangi penggunaan uang kertas dan · Reduce the use of banknotes and paper that
kertas yang sebelumnya dipergunakan sebagai were previously used as documents or proof of
dokumen atau bukti transaksi. transactions.
· Mengurangi dampak polusi udara yang · Reducing the impact of air pollution caused
ditimbulkan dari aktivitas transportasi nasabah by transportation activities, customers who
yang sebelumnya harus melakukan transaksi previously had to make transactions at service
di kantor layanan menjadi dapat melakukan offices can now make payment transactions
transaksi pembayaran tanpa harus mengunjungi without having to visit service offices.
kantor layanan.
· Mengurangi penggunaan listrik yang ditimbulkan · Reduce electricity usage generated by banking
oleh aktivitas transaksi perbankan di kantor transaction activities at service offices if more
layanan jika semakin banyak nasabah melakukan customers bank online.
transaksi perbankan secara online.
Penyaluran Kredit Ramah Environmentally Friendly
Lingkungan Lending
Bank NTT menyadari pentingnya pelestarian Bank NTT realizes the importance of environmental
lingkungan hidup yang terintegrasi dalam aktivitas preservation that is integrated in business activities,
bisnis termasuk dalam penyaluran kredit kepada including lending to business sectors that are
sektor-sektor usaha yang termasuk dalam kategori included in the sustainable business category.
usaha berkelanjutan.
Kebijakan penyaluran kredit ramah lingkungan The environmentally friendly lending policy is
menjadi salah satu bagian yang disusun oleh one of the parts prepared by Bank NTT to realize
Bank NTT guna mewujudkan keefektifan Roadmap the effectiveness of the Sustainable Finance
Keuangan Berkelanjutan yang ditetapkan dalam Roadmap stipulated in Regulation of the Financial
Peraturan Otoritas Jasa Keuangan Nomor 51/ Services Authority Number 51/POJK.03/2017
POJK.03/2017 tentang Penerapan Keuangan concerning the Implementation of Sustainable
Berkelanjutan. Penyaluran kredit ramah lingkungan Finance. Environmentally friendly credit distribution
menjadi aspek yang turut mendorong pertimbangan is an aspect that encourages consideration of
kelayakan lingkungan melalui penyediaan dokumen environmental feasibility through the provision of
Analisis Dampak Lingkungan Hidup (AMDAL) dan Environmental Impact Analysis (AMDAL) documents
izin gangguan. Melalui kebijakan tersebut, Bank and disturbance permits. Through this policy, Bank
NTT menjalankan upayanya untuk mengantisipasi NTT carries out its efforts to anticipate risks that
risiko yang terjadi dari proses bisnis Bank serta occur from the Bank’s business processes and realize
mewujudkan keberlanjutan lingkungan. environmental sustainability.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Kinerja Lingkungan Hidup Environmental Performance
Biaya lingkungan hidup
Environmental costs
Kinerja Lingkungan hidup
2022 2023 2024
Environmental Performance
Penyaluran CSR di bidang Lingkungan hidup
1.688 835 1.289
Distribution of CSR in the field of Environment
Konsumsi listrik
578,7 1.242 1.541
Electricity consumption
Konsumsi air
- - 39.233 m
Water consumption
Penyaluran CSR di Bidang lingkungan melalui Bantuan Distribution of CSR in the environmental sector
dana Penataan Pedestrian dan RTH Pemerintah through funding assistance for Pedestrian
Kabupaten Belu, Pembangunan Taman Kota dan Arrangement and RTH of Belu Regency Government,
Penataan kawasan Kota Ba’a, Pembangunan Rest City Park Construction and Ba’a City area
Area Non Tol Jogging Track pada Tugu Patung Kuda Arrangement, Construction of Non-Toll Rest Area
Pemerintah Kabupaten Sumba Timur, Pembangunan Jogging Track at Horse Statue Monument of East
Pintu gerbang gapura di perkantoran Civic Center Sumba Regency Government, Construction of gate
Oelamasi Kabupaten Kupang. gate at Civic Center Oelamasi office in Kupang
Regency.
Penggunaan konsumsi listrik sebesar 1.541 Kwh The use of electricity consumption amounted to 1,541
di tahun 2024, naik dibanding konsumsi listrik di Kwh in 2024, an increase compared to electricity
tahun 2023 sebesar 1.242 Kwh diakibatkan adanya consumption in 2023 of 1,242 Kwh due to the addition
penambahan kantor baru dan pengembangan of new offices and the development of office
jaringan kantor. Untuk konsumsi air Bank NTT networks. For water consumption, Bank NTT uses
menggunakan Sumur Bor. drilled wells.
Adanya peningkatan penggunaan ini disebabkan The increase in usage is due to business development
oleh aktivitas pengembangan bisnis yang mencakup activities that include product development and
pengembangan produk dan pengembangan office network development. Nevertheless, we
jaringan kantor. Meski demikian terus melakukan continue to make efforts to make energy use more
upaya efisiensi penggunaan energi. efficient.
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BANK NTT Laporan Keberlanjutan 2024
Material Ramah Lingkungan Environmentally Friendly
Materials
Bank NTT masih mengupayakan untuk meningkatkan Bank NTT is still striving to increase the use of
penggunaan material yang ramah lingkungan environmentally friendly materials but by considering
namun dengan mempertimbangkan efektivitas dan cost effectiveness and efficiency, Bank NTT still
efisiensi biaya, Bank NTT masih mengedepankan prioritizes the implementation of Non-Cash
penerapan transaksi Non Tunai untuk mengurangi transactions to reduce paper usage.
penggunaan kertas.
Konsumsi Energi & Material Energy & Material
[GRI 301, 302, 303, 305] Consumption [GRI 301, 302,
303, 305]
Bank NTT berkomitmen untuk mendorong efisiensi Bank NTT is committed to encouraging the efficient
penggunaan konsumsi material & energi dengan use of material & energy consumption while taking
baik dengan tetap memperhatikan kebutuhan into account the needs of Bank NTT’s operational
kegiatan operasional Bank NTT. Dalam menunjang activities. In supporting operational activities, Bank
kegiatan operasional, Bank NTT mengkonsumsi NTT consumes non-renewable materials such as
material yang tak terbarukan seperti penggunaan the use of semi-manufactured spare parts for
suku cadang semi manufaktur untuk maintenance inventory maintenance such as but not limited to
inventaris seperti namun tidak terbatas kepada official cars, banking hall equipment, ATMs, EDCs
mobil dinas, perlengkapan banking hall, ATM, EDC and so on. In supporting operational activities,
dan lain sebagainya. Dalam menunjang kegiatan Bank NTT also consumes energy, water and fuel
operasional, Bank NTT turut mengkonsumsi energi, effectively and efficiently. Efficiency efforts made are
air dan bahan bakar dengan efektif dan efisien. the implementation of Non-Cash transactions, and
Upaya efisiensi yang di lakukan adalah penerapan increasing employee awareness of the environment.
transaksi Non Tunai, dan peningkatan kesadaran
karyawan terhadap lingkungan.
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2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Dampak Kegiatan The Impact of Bank NTT’s
Operasional Bank NTT Operational Activities on
Terhadap Lingkungan Hidup the Environment Includes
Mencakup Limbah dan Emisi Waste and Emissions
Bank NTT terus mendorong penerapan transaksi Bank NTT continues to encourage the implementation
Non Tunai mengingat dampak positif dari transaksi of Non-Cash transactions considering the positive
Non Tunai yaitu mengurangi penggunaan kertas, impact of Non-Cash transactions, namely reducing
mengurangi dampak polusi udara, dan mengurangi the use of paper, reducing the impact of air
penggunaan listrik. Penerapan transaksi Non Tunai pollution, and reducing the use of electricity. The
juga di harapkan dapat mengurangi dampak implementation of Non-Cash transactions is also
negatif dari produk Bank NTT yang salah satunya expected to reduce the negative impact of Bank
adalah produk kartu perbankan yang setelah tidak NTT products, one of which is banking card products
terpakai. that are unused.
Page 180
178
BANK NTT Laporan Tahunan
Keberlanjutan
2024 2024
Tanggung Jawab Sosial
dan Lingkungan (TJSL)
Social and Environmental
Responsibility (CSR)
Page 181
179
2024 Annual
Sustainability
ReportReport Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Page 182
180
BANK NTT Laporan Keberlanjutan 2024
Kegiatan Tanggung Jawab Sosial dan
Lingkungan (TJSL) Bank NTT Tahun Buku 2024
Social and Environmental Responsibility (CSR) Activities of
Bank NTT for Financial Year 2024
Sebagai bank pembangunan daerah yang As a regional development bank that plays a
mengemban peran strategis dalam mendukung strategic role in supporting economic growth and
pertumbuhan ekonomi dan kesejahteraan community welfare in East Nusa Tenggara, Bank NTT
masyarakat di Nusa Tenggara Timur, Bank NTT continues to be committed to implementing Social
terus berkomitmen menjalankan program Tanggung and Environmental Responsibility (CSR) programs in a
Jawab Sosial dan Lingkungan (TJSL) secara structured and impactful manner. Throughout 2024,
terstruktur dan berdampak. Sepanjang tahun 2024, Bank NTT’s CSR budget allocation reached Rp9
alokasi anggaran CSR Bank NTT mencapai Rp9 miliar, billion, with realization of Rp3.08 billion spread across
dengan realisasi sebesar Rp3,08 miliar yang tersebar seven main areas: education, economy, social,
di tujuh bidang utama: pendidikan, ekonomi, sosial, culture, sports, environment, and health.
budaya, olahraga, lingkungan, dan kesehatan.
Bidang Pendidikan Education
Di bidang pendidikan, Bank NTT mendukung In the field of education, Bank NTT supports the
peningkatan kapasitas generasi muda melalui capacity building of the younger generation through
program Kampung Inggris, yakni pelatihan the English Village program, namely English language
Bahasa Inggris tahap I–III yang digelar bersama training stages I-III held together with the NTT
Pemerintah Provinsi NTT. Total dana sebesar Rp65,6 Provincial Government. A total of Rp65.6 million was
juta dikucurkan untuk program ini, sebagai upaya disbursed for this program, as an effort to increase
meningkatkan daya saing pemuda NTT dalam the competitiveness of NTT youth in facing global
menghadapi tantangan global. challenges.
Bantuan Dana Csr dalam rangka Pembelajaran Bahasa Inggris Bantuan Dana Csr dalam rangka Pembelajaran Bahasa Inggris
melalui Program Kampung Inggris melalui Program Kampung Inggris Tahap II
CSR Fund Assistance for English Language Learning through the CSR Fund Assistance for English Language Learning through the
English Village Program Phase II English Village Program
Page 183
181
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Bantuan Dana Csr dalam rangka Pembelajaran Bahasa Inggris
melalui Program Kampung Inggris Tahap III
CSR Fund Assistance for English Language Learning through the
English Village Program Phase III
Bidang Ekonomi Economy
Bank NTT memberikan perhatian besar pada Bank NTT pays great attention to local economic
pengembangan ekonomi lokal, terutama sektor development, especially the MSME and tourism
UMKM dan pariwisata. Bantuan senilai Rp210 juta sectors. Assistance worth Rp210 million was given to
diberikan kepada Pemkab Sabu Raijua untuk the Sabu Raijua Regency Government to improve
peningkatan pariwisata dan kepada Pemkab tourism and to the Lembata Regency Government
Lembata untuk penguatan sarana budidaya ikan to strengthen freshwater fish farming facilities.
air tawar. Program ini ditujukan untuk mendorong This program is intended to encourage economic
kemandirian ekonomi berbasis potensi daerah. independence based on regional potential.
Bantuan Dana CSR untuk Pengembangan Sektor Pariwisata dan Bantuan Dana CSR untuk Pengembangan Sarana dan Prasarana
Peningkatan UMKM Pemerintah Kabupaten Sabu Raijua Budidaya Ikan Air Tawar di Kabupaten Lembata
CSR Fund Assistance for Tourism Sector Development and UMKM CSR Fund Assistance for the Development of Freshwater Fish
Improvement of Sabu Raijua Regency Government Cultivation Facilities and Infrastructure in Lembata Regency
Page 184
182
BANK NTT Laporan Keberlanjutan 2024
Bidang Sosial Social
Sebesar Rp1,44 miliar dialokasikan untuk kegiatan A total of Rp1.44 billion was allocated for social
sosial, menjadikannya bidang dengan realisasi activities, making it the area with the highest
tertinggi. Bantuan difokuskan pada pembangunan realization. Assistance focused on the construction
dan renovasi rumah ibadah, penyediaan rumah and renovation of houses of worship, the provision of
layak huni untuk masyarakat berpenghasilan livable houses for low-income communities in Kupang
rendah di Kupang dan Alor, bantuan bencana and Alor, flood and volcanic eruption disaster relief
banjir dan letusan gunung api di Malaka dan Flores in Malacca and East Flores, and the construction
Timur, serta pembangunan fasilitas publik seperti of public facilities such as multipurpose buildings.
gedung serbaguna. Kegiatan ini mencerminkan These activities reflect Bank NTT’s active role in
peran aktif Bank NTT dalam memperkuat solidaritas strengthening social solidarity and accelerating
sosial dan mempercepat pemulihan masyarakat post-disaster community recovery.
pascabencana.
Bantuan Dana CSR Sarana dan Prasarana Gereja di Kevikepan Bantuan Dana CSR Pemasangan Lampu Penerangan Jalan Umum
Labuan Bajo Kabupaten manggarai Barat Tenaga Surya (PJU-TS) di Kabupaten Kupang
CSR Fund Assistance for Church Facilities and Infrastructure in the CSR Fund Assistance for the Installation of Solar Powered Street
Labuan Bajo Vicariate, West Manggarai Regency Lighting (PJU-TS) in Kupang Regency
Bantuan CSR Rumah Layak Huni bagi Masyarakat Berpenghasilan Bantuan Dana CSR bagi Masyarakat yang Terdampak Bencana
Rendah di Kabupaten Alor Alam banjir di Wilayah Kabupaten Malaka
CSR Assistance for Decent Housing for Low-Income Communities in CSR Fund Assistance for Communities Affected by Natural
Alor Regency Disasters, Floods in Malaka Regency
Page 185
183
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Bantuan Dana CSR Pembangunan Gedung Gereja Paroki ST. Bantuan Dana CSR Pembangunan Gedung Serba Guna &
Yoseph Pekerja Penfui Stasi Maria Yosep Liliba Renovasi Gedung Gereja Moria Liliba Tahun 2024
CSR Fund Assistance for the Construction of the St. Yoseph Parish CSR Fund Assistance for the Construction of a Multipurpose
Church Building, Penfui Workers, Maria Yosep Liliba Station Building & Renovation of the Moria Liliba Church Building in 2024
Bantuan Dana CSR Pembangunan Rumah Layak Huni Di Bantuan Dana CSR Pembangunan Tembok Pagar Keliling Gereja
WilayahKota Kupang Tahun 2024 Stasi Santa Elisabeth Lambanapu-Waingapu
CSR Fund Assistance for the Construction of Decent Housing in CSR Fund Assistance for the Construction of a Fence Wall Around
Kupang City in 2024 the Santa Elisabeth Lambanapu-Waingapu Church Station
Bantuan Dana CSR Pembangunan Gedung Gereja Imanuel Bantuan Dana CSR Unplan bagi para korban Letusan Gunung
Fatukona Takari Berapi Lewotobi
CSR Fund Assistance for the Construction of the Imanuel Fatukona Unplan CSR Fund Assistance for the Victims of the Lewotobi
Takari Church Building Volcanic Eruption
Page 186
184
BANK NTT Laporan Keberlanjutan 2024
Bantuan Dana CSR Renovasi Gedung Gereja ST. Yoseph Reweng dan Bantuan bagi Korban
Bencana Kebakaran di Namo Desa Munting Lembor Kabupaten Manggarai Barat
CSR Fund Assistance for Renovation of ST. Yoseph Reweng Church Building and Assistance for Fire
Disaster Victims in Namo Village, Munting Lembor Regency, West Manggarai
Bidang Lingkungan Environmental
Dalam rangka mendukung pelestarian lingkungan In order to support environmental preservation and
dan tata kota, Bank NTT merealisasikan Rp1,29 urban planning, Bank NTT realized Rp1.29 billion
miliar pada sejumlah program strategis, seperti in a number of strategic programs, such as the
pembangunan pedestrian dan Ruang Terbuka construction of pedestrians and Green Open Space
Hijau (RTH) di Belu, penataan kawasan kota Ba’a di (RTH) in Belu, the arrangement of the Ba’a city area
Rote Ndao, pembangunan jogging track di Sumba in Rote Ndao, the construction of a jogging track
Timur, serta pembangunan gerbang Civic Center di in East Sumba, and the construction of the Civic
Kupang. Program-program ini berkontribusi pada Center gate in Kupang. These programs contribute
pencapaian SDGs, khususnya TPB 11 tentang kota to the achievement of SDGs, particularly SDG 11 on
dan permukiman yang berkelanjutan. sustainable cities and settlements.
Bantuan Dana CSR Penataan Pedestrian dan RTH Pemerintah Permohonan Bantuan Dana CSR Pembangunan Taman Kota dan
Kabupaten belu Tahun 2024 Penataan Kawasan Kota Ba’a
CSR Fund Assistance for Pedestrian and Green Open Space Application for CSR Fund Assistance for City Park Development and
Arrangement of Belu Regency Government in 2024 Ba'a City Area Arrangement
Page 187
185
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Bantuan Dana CSR Pembangunan Rest Area Non Tol Joging Track Bantuan Dana CSR Pembangunan Pintu Gerbang Gapura di
pada Tugu Patung kuda Pemkab Sumba Timur Perkantoran Civic Center Oelamasi
CSR Fund Assistance for the Construction of a Non-Toll Rest Area CSR Fund Assistance for the Construction of the Gate Gate at the
Jogging Track at the East Sumba Regency Government Horse Oelamasi Civic Center Office
Statue Monument
Bidang Budaya Culture
Sebagai bentuk dukungan terhadap pelestarian As a form of support for the preservation of culture
budaya dan identitas daerah, Bank NTT memberikan and regional identity, Bank NTT provided financial
bantuan dana sebesar Rp75 juta untuk mendukung assistance of Rp75 million to support the 66th
penyelenggaraan HUT ke-66 Provinsi Nusa Tenggara Anniversary of East Nusa Tenggara Province. This
Timur. Kegiatan ini merupakan bagian dari upaya activity is part of the effort to preserve local values
pelestarian nilai-nilai lokal serta mendorong and encourage community participation in cultural
partisipasi masyarakat dalam kegiatan kebudayaan. activities.
Bantuan Dana CSR Unplan Penyelenggaraaan HUT NTT ke 66 Tahun
Unplan CSR Fund Assistance for the 66th Anniversary of NTT
Page 188
186
BANK NTT Laporan Keberlanjutan 2024
Bidang Kesehatan dan Health and Sports Sector
Bidang Olahraga
Meski belum terealisasi pada tahun pelaporan, Although not yet realized in the reporting year, Bank
Bank NTT tetap menjadikan sektor kesehatan dan NTT continues to make the health and sports sector
olahraga sebagai bidang prioritas dalam rencana a priority area in its medium-term CSR work plan.
kerja CSR jangka menengah. Alokasi anggaran telah Budget allocations have been prepared to support
disiapkan untuk mendukung kegiatan promotif dan promotive and preventive activities in the health
preventif di bidang kesehatan serta pengembangan sector as well as the development of potential
potensi atlet dan kegiatan olahraga daerah. athletes and regional sports activities.
Melalui pelaksanaan CSR yang menyentuh berbagai Through the implementation of CSR that touches
aspek kehidupan masyarakat, Bank NTT terus various aspects of community life, Bank NTT continues
memperkuat perannya sebagai agen pembangunan to strengthen its role as a regional development
daerah yang tidak hanya berorientasi pada profit, agent that is not only profit-oriented, but also
tetapi juga keberlanjutan sosial, ekonomi, dan social, economic, and environmental sustainability.
lingkungan. Seluruh pelaksanaan kegiatan CSR The entire implementation of CSR activities refers
mengacu pada prinsip transparansi, akuntabilitas, to the principles of transparency, accountability,
dan relevansi terhadap kebutuhan masyarakat, and relevance to community needs, in line with the
sejalan dengan komitmen perusahaan dalam company’s commitment to support the achievement
mendukung pencapaian Tujuan Pembangunan of Sustainable Development Goals (SDGs) in NTT.
Berkelanjutan (TPB/SDGs) di NTT.
Distribusi Dana CSR Bank NTT Tahun 2024 per Bidang
Distribution of Bank NTT CSR Funds in 2024 by Sector
Budaya
75.000.000
Culture
Lingkungan
Environtment 1.290.000.000
Sosial
Social 1.440.440.500
Ekonomi
Economy 210.000.000
Pendidikan
Education 65.000.000
Realisasi Dana (Rp)
Fund Realization (IDR)
Page 189
187
2024 Sustainability Report Laporan Manajemen | Management Report
Profil Perusahaan | Company Profile
Tata Kelola Berkelanjutan | Sustainable Governance
Kinerja Berkelanjutan | Sustainable Performance
Tanggung Jawab Sosial dan Lingkungan (TJSL) | Social and Environmental Responsibility (CSR)
Page 190
Names mentioned 363 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank NTT
p.2 ×588
unresolved
org
Bank NTT’s
p.2 ×23
unresolved
org
Bank Ntt Menuju Perbankan Berkelanjutan Sustainable Strategy
p.4
unresolved
org
Bank Ntt Towards Sustainable Banking
p.4
unresolved
org
Bank Ntt Terhadap Pembangunan Ekonomi Nusa Tenggara Timur
p.4 ×2
unresolved
org
Bank Ntt's Contribution To The Economic Development
p.4 ×2
unresolved
org
Bank NTT Tahun Buku
p.4
unresolved
org
Bank Ntt Towards Sustainable Banking Tujuan Keuangan Berkelanjutan
p.6
unresolved
org
PT Bank NTT NTT
p.7 ×2
unresolved
org
Bank NTT Assisted Villages. In
p.8
unresolved
org
Bank NTT. Selain
p.8
unresolved
org
Bank NTT Keuangan Berkelanjutan
p.8
unresolved
org
Financial Services Authority
p.8 ×15
unresolved
org
Bank NTT Assisted Village Development Program.
p.11
unresolved
org
Bank NTT Assisted Village Development NTT
p.12
unresolved
org
Bank NTT Digitalization Commitment
p.14
unresolved
org
Bank NTT Sustainability Berkelanjutan
p.17
unresolved
org
Bank NTT’s Dividends
p.19
unresolved
org
Pemerintah Kabupaten NTT
p.20
unresolved
org
PT Henindo Power
p.20 ×2
unresolved
org
Bank NTT Cabang Bajawa
p.23
unresolved
org
Bank NTT Bajawa Branch Office Building
p.23
unresolved
org
PT Bank NTT Kolaborasi Ekosistem
p.23
unresolved
org
PT Bank NTT Annual Meeting Ecosystem Collaboration
p.23
unresolved
org
PT Bank Pembangunan Daerah Nusa
p.23 ×5
unresolved
org
PT Bank Pembangunan Daerah Nusa Tenggara Timur
p.23 ×24
unresolved
org
Pemeriksa Keuangan Semester II Tahun
p.23
unresolved
org
Bank NTT Assisted Group
p.23
unresolved
org
Bank NTT Smart Branch System
p.23
unresolved
org
Bank NTT Mengunjungi Peserta Kursus Program Vokasi Kelas
p.24
unresolved
org
Bank NTT Visits
p.24
unresolved
person
Kunjungan
· Direktur
p.24 ×3
unresolved
org
Bank NTT Menghadiri Pertemuan Koordinasi Tahunan PPATK Tahun
p.24
unresolved
org
Bank NTT Attends PPATK Annual Coordination Meeting
p.24
unresolved
org
Bank NTT Kantor Cabang Soe
p.24 ×3
unresolved
org
Bank NTT Soe Branch Office
p.24 ×4
unresolved
org
Bank NTT Menghadiri Upacara Pengukuhan Kepala Perwakilan Bank
p.24
unresolved
org
Bank NTT's Board
p.24 ×2
unresolved
org
Bank Indonesia
p.24 ×29
unresolved
org
Bank NTT Working Visit
p.24 ×5
unresolved
org
Pemerintah Kabupaten Manggarai
p.24 ×2
unresolved
org
Bank NTT Signing
p.24 ×3
unresolved
org
Bank NTT Kantor Fungsional Kajong
p.24
unresolved
org
Bank NTT Kajong Functional Office
p.24
unresolved
org
Pemerintah Kabupaten Malaka
p.24
unresolved
org
Bank NTT Cabang Betun
p.24
unresolved
org
Bank NTT Betun Branch Office
p.24
unresolved
org
Bank NTT Series
p.25
unresolved
org
Bank NTT CMS.
p.25 ×3
unresolved
org
Bank NTT Menghadiri Sosialisasi Pelaksanaan BYE LAWS-PERBANAS
p.25
unresolved
org
Bank NTT Compliance Director Attends Socialization
p.25
unresolved
org
Bank NTT Cabang Waikabubak
p.25
unresolved
org
Bank NTT Waikabubak Branch
p.25
unresolved
org
Bank Indonesia Perwakilan NTT
p.25
unresolved
org
Bank NTT Cabang Soe
p.25
unresolved
org
PT. Sarana Pactindo
p.25 ×2
unresolved
org
Bank NTT Kantor Cabang Waingapu Working Visit
p.25 ×2
unresolved
org
Bank NTT Waingapu Branch Office
p.25 ×3
unresolved
org
Bank Jawa Barat
p.25 ×2
unresolved
org
Ministry of Home Affairs-OJK Focus Discussion Group
p.25
unresolved
org
Bank NTT In House Training
p.26
unresolved
org
PT. Bali Internasional Teknologi
p.26
unresolved
org
PT. Bali International Teknologi
p.26
unresolved
org
Bank NTT Compliance
p.26 ×11
unresolved
org
Bank NTT SLIK Report Training
p.26
unresolved
org
Bank NTT Cabang Maumere Working Visit
p.26
unresolved
org
Bank NTT Maumere Branch Office
p.26
unresolved
org
Bank NTT Cabang Larantuka Working Visit
p.26
unresolved
org
Bank NTT Larantuka Branch Office
p.26
unresolved
org
Bank Indonesia Porch
p.26
unresolved
org
Bank NTT Products
p.26 ×3
unresolved
org
Koperasi Karyawan Primadona Bank NTT Periode XIV Tahun
p.26
unresolved
org
Bank NTT Employee Cooperative Period XIV Fiscal Year
p.26
unresolved
org
Bank NTT Oleh
p.26
unresolved
org
Bank NTT Office Channeling Training
p.26
unresolved
org
PT. Krisolis Jaya Mandala
p.26 ×2
unresolved
org
Bank NTT Iftar Event
p.27
unresolved
org
PT FUSINDO SOKA
p.27 ×2
unresolved
person
Arahan
· Direktur Utama
p.27 ×2
unresolved
org
Bank NTT Kepada Calon Pegawai Teller
p.27
unresolved
org
Bank NTT Direction
p.27
unresolved
org
Bank NTT Kantor Cabang Waingapu
p.27
unresolved
org
Bank NTT CSR Assistance
p.27 ×2
unresolved
org
Bank NTT Cabang Atambua
p.27 ×2
unresolved
org
Bank NTT Atambua Branch
p.27 ×2
unresolved
person
dr. Ben Mboi Kupang Visit
p.28 ×2
unresolved
org
Bank NTT's CMS
p.28
unresolved
org
Ministry of Home Affairs' Siskeudes-Link.
p.28
unresolved
org
Bank NTT Credit
p.28 ×2
unresolved
org
Bank BPD
p.28
unresolved
org
PT. Artajasa Pembayaran Elektronis
p.28 ×2
unresolved
person
Fadli Djafar Program Studi Ilmu Administrasi Fak.
p.28 ×2
unresolved
org
Bank Devisa Visit
p.28
unresolved
org
Bank Comparative Study
p.28
unresolved
org
PT. Brilliant Ecommerce Berjaya
p.28 ×2
unresolved
org
PT. Mutiara Bintang Abadi
p.29 ×4
unresolved
org
Bank NTT Assessment
p.29
unresolved
org
Koperasi Telekomunikasi Seluler
p.29
unresolved
org
Yayasan Santu Paulus Ruteng
p.29
unresolved
org
Bank Indonesia Provinsi NTT The Board
p.29
unresolved
person
Ir. H. Doko Dinas Pendidikan
p.29
unresolved
org
Bank NTT's Credit
p.29
unresolved
person
Ir. H. Doko Square
p.29
unresolved
person
dr. Hendrikus Fernandez Larantuka
p.29 ×2
unresolved
org
Bank NTT Submission
p.29 ×3
unresolved
org
Pemerintah Provinsi NTT
p.29 ×3
unresolved
org
Pemerintah Provinsi NTT The Board of Commissioners and Board of Directors of Bank NTT
p.29
unresolved
org
Bank NT Opening
p.29
unresolved
org
PT. Bank Pembangunan Daerah Nusa Tenggara Timur Directives
p.29
unresolved
person
PLT
· Direktur Utama
p.30 ×26
unresolved
org
Pemerintah Provinsi NTT Tahun Anggaran
p.30
unresolved
org
Bank NTT Kantor Cabang Atambua
p.30
unresolved
org
Bank NTT Atambua Branch Office
p.30
unresolved
org
Bank Indonesia Provinsi NTT
p.30
unresolved
org
Bank Indonesia NTT Province
p.30 ×2
unresolved
org
Bank NTT Merdeka Microcredit
p.31
unresolved
person
Kunjungan Kerja PLT
· Direktur Utama
p.31 ×9
unresolved
person
Audiensi PLT
· Direktur Utama
p.31
unresolved
org
PT Jamkrida NTT Audience
p.31
unresolved
org
PT Jamkrida NTT
p.31 ×4
unresolved
org
Bank NTT Kantor Cabang Borong
p.31
unresolved
org
Bank NTT Borong Branch Office Custumer Gathering Activity
p.31
unresolved
org
Bank NTT's Compliance
p.31 ×2
unresolved
org
PT. Bank Pembangunan Daerah Nusa Tenggara Timur Inauguration
p.31
unresolved
org
Bank NTT Head Office
p.31 ×5
unresolved
org
Bank NTT Kantor Cabang Waikabubak
p.31 ×3
unresolved
org
Bank NTT Waikabubak Branch Office
p.31 ×4
unresolved
org
Bank NTT Cabang Labuan Bajo
p.31
unresolved
org
Bank NTT Labuan Bajo Branch
p.31
unresolved
org
Bank DKI
p.31 ×10
unresolved
org
Bank NTT Press Conference
p.31 ×2
unresolved
org
Bank NTT Kantor Cabang Labuan Bajo
p.32
unresolved
org
Bank NTT Labuan Bajo Branch Office
p.32 ×2
unresolved
org
PT. Fortress Data Services
p.32 ×4
unresolved
org
Bank NTT PLT
p.32 ×2
unresolved
org
Bank NTT Kantor Cabang Waibakul
p.32
unresolved
org
Bank NTT Waibakul Branch Office
p.32
unresolved
org
PT BPD NTT Signing
p.32
unresolved
org
PT BPD NTT
p.32 ×6
unresolved
org
Bank NTT Kantor Cabang Oelamasi
p.32
unresolved
org
Pemerintah Kabupaten Kupang
p.32 ×2
unresolved
org
Bank NTT Oelamasi Branch Office
p.32 ×2
unresolved
org
PT. Kinarya Lima Kapital
p.32 ×2
unresolved
org
Bank NTT Kantor Cabang Sabu
p.32
unresolved
org
Bank NTT Sabu Branch Office
p.32
unresolved
org
Bank NTT Kantor Cabang Alor
p.33
unresolved
org
Bank NTT Alor Branch Office
p.33
unresolved
org
Bank NTT Kantor Cabang Ende
p.33
unresolved
org
Bank NTT Ende Branch Office
p.33
unresolved
person
Pertemuan
· Direktur
p.33
unresolved
person
Uskup Agung Kupang MGR. Hironimus Pakaenoni Meeting
p.33
unresolved
org
Bank NTT Team
p.33
unresolved
person
Archbishop Kupang MGR. Hironimus Pakaenoni
p.33
unresolved
org
Bank NTT Kantor Fungsional Kredit Tarus
p.33
unresolved
org
Bank NTT Credit Functional Office Tarus
p.33
unresolved
org
Bank NTT Kantor Fungsional Kredit Oekabiti
p.33
unresolved
org
Bank NTT Credit Functional Office Oekabiti
p.33
unresolved
org
Bank Mandiri Region East
p.33
unresolved
org
Bank Mandiri Cabang Kupang Board
p.33
unresolved
org
Bank Mandiri East Region
p.33
unresolved
org
Bank Mandiri Kupang Branch
p.33
unresolved
org
Bank Triwulan II Tahun Buku
p.34
unresolved
org
Bank Business Plan Performance Evaluation Meeting
p.34
unresolved
org
Bank NTT Electronic Payment ARTAJASA Visit
p.34
unresolved
org
PT. Fortress Data Sevices Working Visit
p.34
unresolved
org
PT. Fortress Data Sevices
p.34
unresolved
org
Direktorat Jenderal Kependudukan dan Pencatatan Sipil Kementrian Dalam Negeri Republik Indonesia
p.35
unresolved
org
Directorate General of Population and Civil Registration
p.35
unresolved
org
Ministry of Home Affairs
p.35
unresolved
org
Bank NTT Menerima Penghargaan Paritrana Award Peringkat
p.35 ×2
unresolved
org
Bank NTT Receives Paritrana Award
p.35
unresolved
org
Bank NTT Ende Branch Office Activities
p.35
unresolved
org
Bank DKI Working Visit
p.35
unresolved
org
Bank Pengelola
p.35
unresolved
org
PT. BPD NTT PLT
p.35
unresolved
org
Bank Manager
p.35
unresolved
org
Pemerintah Kota Kupang
p.36 ×5
unresolved
org
Bank NTT. Selamat Kepada Para Pemenang.
p.36
unresolved
org
Bank NTT Branch Office. Congratulations
p.36
unresolved
org
PT SGS Indonesia
p.36 ×2
unresolved
org
Bank NTT Tahun
p.36
unresolved
org
Koperasi Pegawai Republik Indonesia Praja Mukti Bersama Bank
p.36
unresolved
org
Pemerintah Kabupaten Ende
p.36
unresolved
org
Bank NTT Board
p.36 ×4
unresolved
org
Bank NTT REI EXPO
p.36 ×4
unresolved
org
Bank NTT Kantor Cabang Oelamasi Highlight Launching Digital
p.36
unresolved
org
Bank NTT Site Visit
p.37
unresolved
org
Bank NTT Employees.
p.38 ×3
unresolved
org
Bank NTT Women's Association
p.38 ×2
unresolved
org
Bank NTT Poin
p.38
unresolved
org
Bank NTT Points Program
p.38
unresolved
person
Dr. Andriko Noto Susanto
· Pemegang Saham Pengendali
p.38 ×13
unresolved
person
Audiensi
· Komisaris
p.38
unresolved
org
Bank DKI's Board
p.38
unresolved
org
Bank NTT Kantor
p.39 ×3
unresolved
org
Bank NTT Waitabula Branch Office
p.39
unresolved
org
Bank NTT Elopada Sub-Branch Office
p.39
unresolved
org
PT Rajawali Citra Televisi Indonesia
p.39 ×2
unresolved
org
Bank NTT Socialization
p.39
unresolved
org
Bank NTT The National Coordination Meeting
p.39
unresolved
org
Bank NTT. Prize Distribution
p.39
unresolved
org
Bank NTT Branch Office.
p.39
unresolved
org
Bank DKI-Bank NTT Discussion
p.40
unresolved
org
Bank DKI-Bank NTT KUB
p.40
unresolved
org
Bank HIMBARA
p.41
unresolved
org
Bank Indonesia's Cash Custody Governance
p.41
unresolved
person
Dr. Drs. H. Teguh Setyabudi
p.41 ×2
unresolved
org
Bank DKI. Acting Governor
p.41
unresolved
org
PT. Bank Pembangunan Daerah NTT
p.41 ×2
unresolved
org
PT NTT Regional Development Bank
p.41
unresolved
person
PJ Gubernur NTT
p.41
unresolved
person
Pertemuan Bapak PLT
· Direktur Utama
p.41 ×3
unresolved
org
Bank NTT Kantor Cabang
p.41
unresolved
org
Bank NTT Borong Branch Office
p.41
unresolved
org
Penjabat Gubernur Provinsi NTT
p.41
unresolved
org
Bank Jatim
p.41 ×13
unresolved
person
Kunjungan Kerja Bapak PLT
· Direktur Utama
p.42 ×14
unresolved
org
Pemerintah Kabupaten Sumba Timur Working Visit
p.42
unresolved
person
Plt Direktur Utam
p.42
unresolved
org
PT. Bimasena Artha Internasional
p.42
unresolved
person
Pertemuan PLT
· Direktur Utama
p.42
unresolved
org
Pemerintah Provinsi Nusa Tenggara Timur
p.42
unresolved
person
Penjabat
p.42
unresolved
org
Bank NTT Management
p.42 ×2
unresolved
org
Bank NTT Media Partners
p.42
unresolved
org
Bank NTT Headquarters
p.42 ×2
unresolved
org
PLT Direktur Utama Bank NTT
p.42
unresolved
org
PT Verihubs Inteligensia Nusantara
p.42 ×2
unresolved
person
Penjabat Bupati Lembata
p.43
unresolved
org
Pemerintah Kabupaten Sumba Timur
p.43
unresolved
org
Bank Jatim Head Office
p.43 ×3
unresolved
org
Bank NTT's Strategic Plan
p.43
unresolved
org
Bank Indonesia Provinsi NTT Bank Indonesia Annual Meeting
p.44
unresolved
org
Bank Indonesia's
p.44
unresolved
org
Bank NTT High Level Meetings
p.44
unresolved
org
Bank NTT's Cash Management System
p.44
unresolved
org
Bank Umum Inhouse Training Review
p.44
unresolved
org
Bank Jatim Signing
p.44
unresolved
org
Bank NTT Pusat
p.44
unresolved
org
Bank NTT Pembangunan Daerah
p.44
unresolved
org
Bank NTT Acting
p.44
unresolved
org
Bank NTT Capital Participation.
p.44 ×2
unresolved
org
Bank Nusa Tenggara Timur
p.45
unresolved
org
Bank Women's Association
p.45
unresolved
org
Bank Jatim. Penandatanganan
p.45
unresolved
org
Bank NTT TB
p.45
unresolved
org
Bank Maluku Malut
p.45 ×2
unresolved
org
PT Bank Pembangunan Daerah Nusa Tenggara
p.45 ×12
unresolved
org
PT Asuransi Jiwa Taspen
p.46 ×2
unresolved
org
Bank Sumatera Utara
p.46
unresolved
org
Bank Penyalur
p.46
unresolved
org
PT Madani Solusi
p.47
unresolved
org
PT Madani Achievement
p.47
unresolved
org
PT Madani Solusi Internasional
p.48 ×2
unresolved
org
Bank NTT Menerima Penghargaan Paritrana Award
p.49
unresolved
org
Bank NTT Receives Paritrana Award Rank
p.49
unresolved
org
Bank Bank NTT
p.54 ×3
unresolved
org
Bank NTT. Komitmen Pimpinan
p.55
unresolved
org
Bank NTT Bank NTT
p.59 ×2
unresolved
org
Bank NTT A Brief History Of Bank Ntt
p.62
unresolved
org
Bank NTT Menjadi Bank Devisa Year
p.62
unresolved
org
Bank NTT Becomes
p.62
unresolved
org
Government of the Republic of Indonesia
p.63
unresolved
org
Bank NTT Logo
p.63
unresolved
org
Bank NTT Head Office Building
p.63
unresolved
org
Bank NTT Bond I
p.64
unresolved
org
Bank NTT Smart Branch Service
p.64
unresolved
org
Bank DKI Tentang Office.
p.64
unresolved
org
Bank Devisa
p.64
unresolved
org
Bank DKI Regarding
p.64
unresolved
org
Bank Business Groups
p.64 ×3
unresolved
org
Bank NTT. New Core
p.66
unresolved
org
Bank NTT. Working Smart
p.66
unresolved
org
Bank NTT. Bekerja
p.66
unresolved
org
Bank NTT. Establishing
p.66
unresolved
org
Bank NTT. Menjaga Kepercayaan Shareholders
p.66
unresolved
org
Bank NTT. Starting
p.66
unresolved
org
PT. Bank Pembangunan Daerah Nusa Tenggara Timur Nama
p.67
unresolved
org
Bank NTT Nama Perubahan Name
p.67
unresolved
org
Indonesia Stock Exchange
p.68
unresolved
org
Bank NTT Distribution
p.69
unresolved
org
PT. Bank Pembangunan Daerah Nusa Tenggara Timur. RUPS
p.70
unresolved
person
Human Resource
· Corporate Secretary
p.70
unresolved
org
Bank NTT Organizational Structure
p.71
unresolved
org
Bank Indonesia Certificates
p.72
unresolved
org
Bank NTT. Keberadaan
p.75
unresolved
org
Bank NTT. Their
p.75
unresolved
org
Bank NTT Bank NTT Share SAHAM SERI A
p.79
unresolved
person
Charles Amos Corputty
p.79 ×2
unresolved
person
L. L. O. Wila Huky
p.79
unresolved
person
Johan Christian Tallo Christian Tallo
p.79
unresolved
org
Bank NTT Operational Area
p.81 ×2
unresolved
org
Bank NTT Kabupaten
p.81 ×2
unresolved
org
Musyawarah Perbankan Daerah
p.83
unresolved
person
Forum Komunikasi
· Direktur
p.83
unresolved
org
Bank NTT Market Share
p.83
unresolved
org
Milik Daerah
p.86
unresolved
org
Bank NTTdilakukan
p.88
unresolved
org
Bank NTT. The Implementasi GCG
p.88
unresolved
org
Bank NTT. Selama
p.91
unresolved
person
Gubernur Nusa Tenggara Timur
· Komisaris
p.92 ×5
unresolved
person
Tentang Pengangkatan Saudara Frans Gana
· Komisaris
p.92 ×14
unresolved
org
PT. Bank NTT Masa Bakti
p.92
unresolved
org
PT. Bank NTT Term
p.92
unresolved
—
Praing
· Utama &
p.94
unresolved
—
Sebagai Pelaksana Tug
· Direktur Utama
p.94 ×2
unresolved
person
Sebagai Pelaksana Tugas
· Direktur Utama
p.94
unresolved
person
Hilarius
· Direktur
p.94 ×4
unresolved
—
Adoe
· Direktur
p.95 ×2
unresolved
org
PT. Bank Pembangunan Daerah Nusa Daerah
p.96
unresolved
person
Committee
· Direktur
p.97
unresolved
org
Bank NTT. Komite Pengarah
p.98
unresolved
org
Pengurus Bank NTT.
· President Director
p.99 ×3
unresolved
org
Bank NTT. Motivational Training
p.99 ×2
unresolved
org
Bank NTT. Kegiatan Public Workshop Measuring
p.99
unresolved
org
PT Nayottama Dinamika Managing Market Risk
p.99
unresolved
person
Productiviy
· Direktur Kepatuhan
p.100 ×2
unresolved
org
Bank NTT Undangan Seminar Nasional BPDSI
p.100
unresolved
org
Bank NTT Program Pembekalan
p.101
unresolved
org
PT. Sanadi Corp Kompetensi Sertifikasi Treasury
p.101
unresolved
org
Risk Management Recertification Provision
· Commissioner
p.102
unresolved
org
Bank NTT. Responsible
p.103
unresolved
org
Bank NTT. Divisi Riset
p.103
unresolved
org
Bank NTT. Research
p.103
unresolved
org
Bank NTT’s Sustainable Finance Bank NTT
p.103
unresolved
org
Bank BUKU II
p.104
unresolved
org
Perencanaan Pembangunan
p.105 ×2
unresolved
org
PT Tata Kelola Komunika
p.106 ×2
unresolved
person
Risk Monitoring Committee
· Komisaris
p.109
unresolved
org
PT Bank Pembangunan Daerah NTT. In
p.121
unresolved
person
Notary Emmanuel Mali. SH.
p.122 ×8
unresolved
person
Notary Serlina Sari Dewi Darmawan. SH.
p.122 ×6
unresolved
person
Frans
p.122
unresolved
—
Gana
· Independent Commissioner
p.122
unresolved
org
Bank Pembangunan Tenggara Timur
p.122
unresolved
org
Bank NTT Annual
p.123
unresolved
person
Christofel Semuel Melianus Christofel
p.124
unresolved
org
Bank Pembangunan Daerah Nusa Pembangunan Daerah Nusa Tenggara
p.124
unresolved
person
Yohanis
p.124
unresolved
org
Bank NTT. Pemasok
p.140
unresolved
org
PT Bank Pembangunan Daerah Nusa Tenggara Tenggara Timur.
p.153
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