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 Nomor Surat                         015/CORSEC/2025

 Nama Perusahaan                     PT Bank Mestika Dharma Tbk.

 Kode Emiten                         BBMD

 Lampiran                            3

 Perihal                             Penyampaian Laporan Keberlanjutan dan ESG

Merujuk pada pelaporan Laporan Tahunan Nomor 014/CORSEC/2025, Dengan ini Perseroan Menyampaikan
Laporan Keberlanjutan dan ESG tahun 2024 dengan periode tahun buku dari 01 Januari 2024 sampai dengan 31
Desember 2024 dalam bahasa Indonesia dan Inggris

Apakah Perseroan akan/telah melakukan panggilan Rapat Umum Pemegang Saham Tahunan? (Tidak)



Informasi sebagaimana dimaksud di atas telah dimuat pada Situs Web Perseroan di alamat link
https://www.bankmestika.co.id/id/reports pada tanggal 30 April 2025
Apakah Perseroan tercatat di Bursa lain? (Tidak)



A. Kinerja Lingkungan (Environmental Performance)

Perseroan menyampaikan Keberlanjutan dan ESG Tahunan :
 E-01 Laporan Emisi Gas Rumah Kaca (GRK)

 Laporan Emisi GRK Konsolidasi?                                                   Tidak

 Batasan Organisasi                                                     Operasional/Finansial


 Adakah anak perusahaan yang tidak diikutsertakan dalam
                                                                                  Tidak
 laporan ini?




                            Name                                        Total Emisi (tCO2e)


 Kategori 1: Emisi GRK langsung dan pembuangan


  Emisi langsung dari pembakaran stasioner                                       10,35

  Emisi langsung dari pembakaran bergerak                                     175,39

  Emisi langsung dari proses pengolahan                                           0

  Emisi fugitive langsung                                                        98,33

  Emisi langsung dari Land Use, Land Use Change and
                                                                                  0
  Forestry (LULUCF)

  Total Emisi Langsung (Scope 1)                                              284,07
Page 2
Kategori 2: Emisi GRK tidak langsung dari energi yang diimpor/dibeli



 Emisi tidak langsung dari konsumsi Listrik yang
                                                                        1.691,05
 diimpor/dibeli


 Emisi tidak langsung dari konsumsi jaringan energi yang
                                                                           0
 diimpor/dibeli (diluar listrik)


 Total Emisi Tidak Langsung (Scope 2)                                    1,691


Kategori 3: Emisi GRK tidak langsung dari transportasi


 Transportasi dan distribusi hulu                                          0

 Perjalanan dinas                                                        227,82

 Transportasi dari klien dan pengunjung                                    0


 Transportasi dan distribusi hilir                                         0


 Perjalanan Karyawan                                                    1.850,99



Kategori 4: Emisi GRK tidak langsung dari produk yang digunakan oleh perusahaan


 Kegiatan yang berhubungan dengan energi yang tidak
 termasuk dalam emisi langsung dan emisi energi tidak                      0
 langsung

 Pembelian Barang dan Jasa                                               371,48

 Capital equipment/goods                                                 440,35


 Limbah yang dihasilkan dalam kegiatan operasional                         0


 Aset Sewaan hulu                                                        13,21



Kategori 5: Emisi GRK tidak langsung yang terkait dengan penggunaan produk dari perusahaan


 Investasi                                                                 0

 Penggunaan produk yang dijual                                             0

 Perawatan akhir masa pakai produk yang dijual                             0

 Waralaba hilir                                                            0

 Aset Sewaan Hilir                                                       113,21


 Pengolahan produk yang dijual                                             0
Page 3
Kategori 6: Emisi GRK tidak langsung dari sumber lainnya

 Emisi atau pembuangan tidak langsung lainnya                                       0

 Total Emisi Tidak Langsung (Scope 3)                                           3.017,07

Total Emisi GRK (Scope 1 and 2)                                                 1.975,12

Total Emisi GRK (Scope 1, 2 and 3)                                              4.992,19

Offsets/Credits                                                                     0

Pembelian Renewable Energy Certificate (REC) (kWh)                                  0



                                          Total emisi dari Scope 1 dan 2 per unit
E-02    Intensitas Emisi GRK                                                                0,0049
                                          pendapatan Perusahaan Tercatat
                                          Jumlah total energi yang dikonsumsi secara
                                                                                              0
                                          langsung (kWh or J)
                                          Jumlah total energi yang dikonsumsi secara
E-03    Konsumsi Energi listrik                                                            1.831.027
                                          tidak langsung (kWh or J))

                                          Total konsumsi energi (kWh or J)                 1.831.027


E-04    Konsumsi Air                      Total konsumsi air (m3)                           13.801


E-05    Limbah yang dihasilkan            Total limbah yang dihasilkan (ton)                  0



E-06 Komitmen Perusahaan untuk mencapai target Net Zero Emission
Apakah Perusahaan memiliki komitmen pencapaian target net zero?                Ya
Tahun berapa Perusahaan menargetkan pencapaian Net Zero emission yang
                                                                               2030
dipublikasi?
Mohon berikan deskripsi ringkas penjelasan dan tautan ke dokumentasi yang menjelaskan komitmen
pencapaian target Net zero emission Perusahaan.
 Bank berkomitmen untuk mewujudkan pembangunan berkelanjutan yang diharapkan mampu menjaga
 stabilitas ekonomi serta bersifat inklusif yang diperlukan sistem perekonomian nasional dengan
 mengedepankan keselarasan antara aspek ekonomi, sosial dan lingkungan hidup dalam setiap produk dan
 jasa keuangan, operasional perbankan dan manajemen risiko.
 Penyelarasan aspek Lingkungan, Sosial, dan Tata Kelola menjadi salah satu target Bank Mestika dalam
 upaya mendukung komitmen global terkait perubahan iklim dan target Net Zero Emission (NZE) Indonesia.
 Bank belum dapat menyampaikan target Net Zero Emission, hingga saat laporan ini disusun
 Bank masih dalam proses penyusunan Climate Risk Management & Scenario Analysis (CRMS) yang baru
 akan dilaporkan pada Juli 2025 berdasarkan surat OJK (S-37/D.03/2024).

 Target perusahaan untuk publikasi pencapaian Net Zero Emission bersifat tentatif, karena Bank Mestika
 masih dalam proses penyampaian financed emission berdasarkan Surat Edaran OJK Nomor : S-37/D.
 03/2024, perihal CRMS yang akan dilaporkan pertama kali pada bulan Juli 2025.

E-07 Komitmen Perusahaan untuk mengurangi Emisi Gas Rumah Kaca (Emission Reduction)
Apakah Perusahaan memiliki komitmen mengurangi emisi?                          Ya
                                                                               0%
Target pengurangan emisi GRK
                                                                               0 (tCO2e)
Tahun target untuk penurunan emisi GRK?                                        2031
Page 4
 Apakah perusahaan memiliki manajemen yang mengawasi pengendalian iklim?


 Tidak

Langkah-langkah yang sudah dilakukan dan penurunan emisi yang telah dicapai dibandingkan tahun
sebelumnya.

Penjelasan:


Bank berkomitmen untuk mewujudkan pembangunan berkelanjutan yang diharapkan mampu menjaga stabilitas
ekonomi serta bersifat inklusif yang diperlukan sistem perekonomian nasional dengan mengedepankan
keselarasan antara aspek ekonomi, sosial dan lingkungan hidup dalam setiap produk dan jasa keuangan,
operasional perbankan dan manajemen risiko.
Penyelarasan aspek Lingkungan, Sosial, dan Tata Kelola menjadi salah satu target Bank Mestika dalam upaya
mendukung komitmen global terkait perubahan iklim dan target Net Zero Emission (NZE) Indonesia.
Bank belum dapat menyampaikan target Net Zero Emission, hingga saat laporan ini disusun
Bank masih dalam proses penyusunan Climate Risk Management & Scenario Analysis (CRMS) yang baru akan
dilaporkan pada Juli 2025 berdasarkan surat OJK (S-37/D.03/2024).

Target perusahaan untuk publikasi pencapaian Net Zero Emission bersifat tentatif, karena Bank Mestika masih
dalam proses penyampaian financed emission berdasarkan Surat Edaran OJK Nomor : S-37/D.03/2024, perihal
CRMS yang akan dilaporkan pertama kali pada bulan Juli 2025.



B. Kinerja Sosial (Social Performance)

S-01 Kesetaraan Gender


                                       Laki-Laki                                    Perempuan
 Level Jabatan
                        Jumlah pegawai        Persentasi pegawai        Jumlah pegawai    Persentasi pegawai

 Entry-level            243                   22.63 %                   491              45.72 %

 Mid-level              82                    7.64 %                    169              15.74 %

 Senior-level           51                    4.75 %                    25               2.33 %

 Executive-level        12                    1.12 %                    1                0.09 %

 Total Pegawai          388                   36.13 %                   686              63.87 %


S-02 Jumlah level pegawai yang dimiliki oleh laki-laki dan perempuan berdasarkan kelompok umur

                                                        Level Jabatan
 Rentang Usia           Entry-level             Mid-level            Senior-level   Executive-level    Jumlah
 (tahun)                                                                                               Pegawai
                   Laki-Laki   Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan


 18-25             89          127        0             1       0            0      0       0          217

 25-35             95          227        30            36      4            2      0       0          394

 35-45             49          110        38            87      20           10     0       0          314

 45-55             8           26         12            40      17           12     0       0          115

 >55               2           1          2             5       10           1      12      1          34


S-03 Tingkat Pergantian Pegawai
Page 5
                                     Jumlah Pegawai (dalam tahun       Percentage Pegawai (dalam tahun
                                             pelaporan)                          pelaporan)
Jumlah Pegawai
resign/Pemutusan Hubungan          103 Pegawai                         9,59 %
Kerja
Jumlah Pegawai Baru/pengganti      107 Pegawai                         9,96 %


S-04 Jumlah Pegawai Sementara

                                     Jumlah Pegawai (dalam tahun       Percentage Pegawai (dalam tahun
                                             pelaporan)                          pelaporan)
Jumlah Pegawai perusahaan
yang dipegang oleh kontraktor      0 Pegawai                           0%
dan/atau konsultan


S-05 Pelatihan dan Pengembangan Pegawai


     Rata-rata jam pelatihan per
                                    Jumlah pegawai yang ikut serta     Persentase jumlah pegawai yang
       pegawai dalam tahun
                                      dalam program pelatihan           ikut serta dalam pelatihan (%)
             Pelaporan

 49,6 jam/pegawai                  1.074                               100 %


S-06 Jumlah Kecelakaan Kerja



                                                    Persentase kecelakaan kerja serius yang berakibat
 Frekuensi kecelakaan kerja dari total pegawai
                                                      cedera serius dan fatal dari total pegawai (%)

 0                                                 0%


S-07 Jumlah Kejadian Pelanggaran Hak Asasi Manusia


 Jumlah pelanggaran hak asasi manusia dalam tahun
                                                  0
                    Pelaporan



 Kebijakan Perusahaan terkait Pekerja

 S-08 Perusahaan memiliki kebijakan terkait pelecehan seksual dan/atau
                                                                             Ya
 non-diskriminasi?
  Bank memberikan kesempatan yang sama bagi karyawan tanpa dibatasi oleh stereotip atau norma tentang
  peran gender. Hal tersebut mengacu pada kesetaraan pemenuhan hak-hak, kesempatan dan perlakuan
  yang adil dalam segala aspek pekerjaan meliputi pemberian upah yang adil, kesempatan dalam
  mendapatkan pekerjaan dan pendidikan serta peningkatan karir.
  Terkait Tindakan pelecehan, Bank memiliki kebijakan Human Capital terkait Rewards and Punishment yang
  memuat jenis pelanggaran dan sanksi atas segala Tindakan pelanggaran yang berpotensi menimbulkan
  risiko terhadap Bank (SE No. 056/SE-BMD/DIR/2025)


 S-09 Perusahaan memiliki kebijakan mengenai hak asasi manusia?              Tidak

  Tidak diatur secara spesifik terkait Hak Asasi Manusia, namun secara umum seluruh Hak kepegawaian
  telah dilaksanakan sesuai dengan ketentuan yang berlaku antara lain penyediaan fasilitas asuransi
  Kesehatan dan jaminan sosial, hak atas kesempatan belajar atau pelatihan, penyediaan fasilitas olahraga
  dan sebagainya.
Page 6
S-10 Perusahaan memiliki kebijakan mengenai pekerja anak dan/atau
                                                                            Tidak
pekerja paksa?
 Bank tidak ada mengatur secara spesifik mengenai pekerja anak dan/atau pekerja paksa, ketentuan utama
 untuk masuk ke perbankan terdapat kriteria umur dan pendidikan tertentu sesuai kualifikasi yang
 dibutuhkan.
 Syarat usia yang ditentukan ialah umur yang sudah dewasa dimata hukum sehingga tidak ada yang
 dibawah umur, dan pihak lain yang mendukung kegiatan operasional (Outsourching) juga memiliki
 ketentuan yang sama, yaitu pekerja yang direkrut merupakan pekerja yang sudah dewasa secara usia.

S-11 Perusahaan memiliki kebijakan perusahaan mengenai kesehatan dan
keselamatan kerja serta lingkungan kerja yang aman dan layak diberikan Ya
kepada seluruh karyawan?
 Bank memiliki kebijakan Human Capital tentang Tunjangan dimana dalam pelaksanaannya bank
 mengikutsertakan seluruh pegawai dalam program Jaminan Hari Tua, Jaminan Kecelakaan Kerja, Jaminan
 Kesehatan, Jaminan Pensiun, dan asuransi kesehatan.

Corporate Social Responsibility (CSR)


S-12 Perusahaan memiliki aktivitas CSR, investasi atau sumbangan
                                                                            Tidak
terhadap komunitas atau organisasi nirlaba terdaftar?

 Bank tidak berinvestasi atau memberikan sumbangan terhadap komunitas atau organisasi nirlaba terdaftar,
 karena Bank memiliki tim tersendiri untuk melaksanakan dan mencari calon penerima bantuan secara
 langsung.

C. Kinerja Tata Kelola (Governance Performance)


 G-01 Keberagaman Manajemen dan Independensi (Board Diversity and Independence)


 Tipe Manajemen
                          Jumlah              Laki-laki          Perempuan              Pihak Independen
   Perusahaan

Komisaris           0                     4                  0                      3
Direksi             0                     5                  0                      3


 G-02 Total kehadiran direksi dan komisaris ke rapat dewan



                                    Jumlah rapat dewan (di tahun    Rata-rata persentase kehadiran
                                             pelaporan)          direksi/komisaris dalam rapat dewan
Jumlah kehadiran direksi ke rapat
                                    13                            100 %
dewan

Jumlah kehadiran komisaris ke
                                    11                            100 %
rapat dewan




 Kebijakan mengenai manajemen lainnya

G-03 Perusahaan memiliki kebijakan mengenai pemisahan Chairman of
                                                                           Ya
The Board dan CEO?
 Istilah yang digunakan dalam Perseroan adalah :
 Chairman of The Board dijabat oleh Dewan Komisaris yang bertugas untuk melakukan pengawasan
 terhadap strategi dan jalannya bisnis Perseroan yang dijalankan oleh Direksi.
 CEO dijabat oleh Presiden Direktur yang berwenang atas seluruh kegiatan operasional bank dan memimpin
 serta mengelola bank agar dalam perkembangannya senantiasa berada dalam koridor penerapan tata
 kelola yang baik.
Page 7
 Kedua fungsi tugas tersebut telah memiliki kebijakan yang mengatur mengenai hal-hal yang wajib
 diterapkan oleh Dewan Komisaris dan Direksi Perseroan.

G-04 Perusahaan memiliki kebijakan penilaian dewan direksi dan
                                                                            Ya
komisaris
 Bank memiliki kebijakan penilaian direksi yang ditetapkan dengan SK No.43/SK-BMD/DIR/2024 tanggal 1
 Juli 2024 dan untuk kebijakan penilaian Dewan Komisaris ditetapkan dengan SK No.002/SK-BMD/DIR/2025
 tanggal 22 Januari 2025.
 Pengungkapan kebijakan penilaian kinerja Direksi dan Dewan Komisaris tercantum dalam laporan
 pelaksanaan tata kelola.

G-05 Perusahaan memiliki kebijakan pelatihan dewan direksi dan
                                                                            Ya
komisaris
 Secara umum kebijakan pelatihan bagi pegawai mencakup seluruh jabatan di Bank Mestika mulai dari
 Dewan Direksi, Dewan Komisaris, Pejabat Eksekutif sampai dengan Staff beserta calon pegawai.
 Dalam pelaksanaannya, identifikasi atas kebutuhan pelatihan bagi Dewan Direksi dan Dewan Komisaris
 antara lain melakukan kajian terhadap Rencana Bisnis Bank dan masukan dari komite-komite.

G-06 Kriteria khusus yang digunakan untuk pemilihan dewan direksi dan
                                                                            Ya
komisaris
 Bank telah memiliki kebijakan terkait pemilihan Direksi dan Dewan Komisaris yang ditetapkan dalam SK No.
 024/SK-BMD/DIR/2023 tanggal 13 April 2023 tentang Kebijakan Suksesi Direksi & Komisaris.
 Pada kebijakan diatur kriteria pemilihan Direksi dan Dewan Komisaris.

G-07 Perusahaan memiliki kebijakan mengenai kode etik dan/atau anti-
                                                                            Ya
korupsi?
 Bank memiliki kode etik yang ditetapkan dalam Surat Keputusan No. 19/SK-BMD/DIR/2015 tentang Kode
 Etik PT Bank Mestika Dharma Tbk dan untuk kebijakan anti-korupsi dituangkan dalam SK No. 006/SK-
 BMD/DIR/2025 tanggal 10 Maret 2025 tentang Kebijakan dan Prosedur Tertulis Penerapan Strategi Anti
 Fraud.
 Dalam pelaksanaannya, setiap karyawan baru akan mendapatkan sosialiasi terkait good practice guide dan
 anti fraud yang membahas tentang kode etik dan larangan praktik terkait fraud.

 Tautan: https://www.bankmestika.co.id/img/Report/Lainnya/Kode%20Etik%20Bank.pdf

G-08 Perusahaan memiliki kebijakan mengenai perlakuan adil terhadap
                                                                            Ya
Pemegang Saham?
 Bank memiliki kebijakan untuk mencegah adanya konflik kepentingan yang ditetapkan dengan Surat
 Keputusan No. 071/SK-BMD/DIR/2024 tanggal 19 Desember 2024 tentang Pedoman Transaksi Afiliasi,
 Benturan Kepentingan, dan Transaksi Orang Dalam.
 Dalam kebijakan diatur terkait aktivitas yang dilarang dan aktivitas yang tidak dilarang dalam melakukan
 transaksi efek.

G-09 Perusahaan memiliki kebijakan mengenai kewajiban
                                                                            Ya
direksi/komisaris untuk mencegah adanya konflik kepentingan?
 Bank memiliki kebijakan untuk mencegah adanya konflik kepentingan yang ditetapkan dengan Surat
 Keputusan No. 071/SK-BMD/DIR/2024 tanggal 19 Desember 2024 tentang Pedoman Transaksi Afiliasi,
 Benturan Kepentingan, dan Transaksi Orang Dalam.
 Dalam kebijakan diatur aktivitas yang termasuk dalam konflik kepentingan dan pengungkapan konflik
 kepentingan.
Page 8
D. Lain-lain


 Keselarasan Laporan Keberlanjutan/Tahunan dengan Metrik ESG


                                                                      Halaman di Laporan
   Kinerja      Kode                   Nama Metrik
                                                                     Keberlanjutan/Tahunan
               E-01     Laporan Emisi Gas Rumah Kaca           118

               E-02     Intensitas Emisi Gas Rumah Kaca        118

               E-03     Konsumsi Energi Listrik                30

               E-04     Konsumsi Air                           30
Lingkungan
               E-05     Limbah yang Dihasilkan                 120
                        Komitmen Perusahaan untuk Mencapai
               E-06                                            27
                        Target Net Zero Emission

                        Komitmen Perusahaan untuk
               E-07                                            113
                        mengurangi Emisi Gas Rumah Kaca

               S-01     Kesetaraan Gender                      122
                        Pegawai Berdasarkan Gender dan
               S-02                                            43
                        Kelompok Umur
               S-03     Tingkat Pergantian Pegawai             122

               S-04     Jumlah Pegawai Sementara               43

               S-05     Pelatihan dan Pengembangan Pegawai     125

               S-06     Jumlah Kecelakaan Kerja                124
                        Kejadian Pelanggaran Hak Asasi
               S-07                                            -
                        Manusia
Sosial                  Kebijakan Pelecehan Seksual dan/atau
               S-08                                            -
                        Non-diskriminasi

               S-09     Kebijakan Mengenai Hak Asasi Manusia   -

                        Kebijakan Pekerja Anak dan/atau
               S-10                                            123
                        Pekerja Paksa

                        Kebijakan Mengenai Kesehatan dan
                        Keselamatan Kerja serta Lingkungan
               S-11                                            124
                        Kerja yang Aman dan Layak diberikan
                        Kepada Seluruh Karyawan

               S-12     Pencegahan Konflik Kepentingan         131
Page 9
                                   Keberagaman Manajemen dan
                       G-01                                                 -
                                   Independensi
                                   Total Kehadiran Direksi dan Komisaris ke
                       G-02                                                 -
                                   Rapat Dewan
                                   Kebijakan Pemisahan Chairman of the
                       G-03                                                 -
                                   Board dan CEO
                                   Kebijakan Penilaian Dewan Direksi dan
                       G-04                                                 -
                                   Komisaris
                                   Kebijakan Pelatihan Dewan Direksi dan
Tata-kelola            G-05                                                 -
                                   Komisaris

                       G-06        Kriteria Khusus Pemilihan Dewan          -

                       G-07        Kode Etik dan/atau Anti-Korupsi          83

                                   Kebijakan Perlakuan Adil terhadap
                       G-08                                                 -
                                   Pemegang Saham

                       G-09        Pencegahan Konflik Kepentingan           -




 Standar Internasional yang Diacu dan Verifikasi Pihak Ketiga



   Keselarasan dengan kerangka pelaporan keberlanjutan

    X   Ya             Tidak


             X   GRI

                 TCFD

                 CDP

                 IFRS S1

                 IFRS S2

                 SASB

                 Others, please specify




   Assurance dan validasi pihak ketiga

    X   Ya




             Nama pihak ketiga                          Lingkup pekerjaan




Informasi Lain

1. Additional information on point E-01, on the Greenhouse Gas Emission Report: Bank Mestika's emission report is
calculated based on the operational and business activities of PT Bank Mestika Dharma Tbk. Bank Mestika does not
have any subsidiaries included in the emission assessment. 2. Additional information on point E-01, Category 5 related
to indirect GHG emissions related to the use of the Company's products: Bank Mestika is still in the process of preparing
financed emissions based on OJK Circular Letter Number: S-37/D.03/2024, regarding CRMS which will be reported for
the first time in July 2025. 3. Additional information on point E-07, related to the Company's commitment to reducing
greenhouse gas emissions, Bank Mestika is committed to reducing GHG emissions, but the GHG emission reduction
Page 10
target and the target year for reducing GHG emissions are still being calculated, and will be adjusted to the Bank's
provisions. 4. This report is a re-report carried out by the Company because the Electronic Reporting System (SPE) site
experienced technical problems in the submission process via form E020 on April 30, 2025.



Demikian untuk diketahui.


Hormat Kami,
PT Bank Mestika Dharma Tbk.




Suharto Kurniawan

Kepala Bagian Corporate Secretary




PT Bank Mestika Dharma Tbk.
Jl. H. Zainul Arifin No. 118, Medan
Telepon : 061-4525800, Fax : 061-4527324, www.bankmestika.com



 Nama Pengirim                        Suharto Kurniawan

 Jabatan                              Kepala Bagian Corporate Secretary
 Tanggal dan Waktu                    02-05-2025 17:29

 Lampiran                             1. Surat Direksi No. 400.pdf


                                      2. SR BANK MESTIKA 2024.pdf


                                      3. Pemberitahuan SPE Mengalami Gangguan.pdf


    Dokumen ini merupakan dokumen resmi PT Bank Mestika Dharma Tbk. yang tidak memerlukan tanda tangan
  karena dihasilkan secara elektronik oleh sistem pelaporan elektronik. PT Bank Mestika Dharma Tbk. bertanggung
                           jawab penuh atas informasi yang tertera didalam dokumen ini.
Page 11
Go To Indonesian Page

 Letter / Announcement No.            015/CORSEC/2025

 Issuer Name                          PT Bank Mestika Dharma Tbk.

 Issuer Code                          BBMD

 Attachment                           3

 Subject                              Submission of Sustainability Report

Referring to the Annual Report Report Number 014/CORSEC/2025 , with this The Company hereby submit
Sustainability Report 2024 for the period of 01 January 2024 to 31 December 2024 in Indonesia dan Inggris


Will the Company be/has summons for the Annual General Meeting of Shareholders? (No)



The information referred above has been published on the                                  Company’s   website
https://www.bankmestika.co.id/id/reports at 30 April 2025
Is the Company listed on another Stock Exchange? (No)




A. Environmental Performance

The Company submits its Annual Sustainability and ESG Report:
 E-01 Greenhouse Gas (GHG) Emission Report

 Consolidated GHG Emission Report?                                                   No

 Organizational Boundaries                                                  Operasional/Finansial



 Any subsidiaries that are not included in the report?                               No




                              Name                                          Total emission (tCO2e)


 Category 1: Direct GHG emissions and removals


  Direct emissions from stationary combustion                                       10,35

  Direct emissions from mobile combustion                                          175,39

  Direct emissions from processes                                                     0

  Direct fugitive emissions                                                         98,33

  Direct emissions from Land Use, Land Use Change and
                                                                                      0
  Forestry (LULUCF)

  Total Direct Emissions (Scope 1)                                                 284,07
Page 12
Category 2: Indirect GHG emissions from imported energy



 Indirect emissions from imported/purchased electricity
                                                                           1.691,05
 consumption


 Indirect emissions from imported/purchased network energy
                                                                               0
 consumption (excluding electricity)


 Total Indirect Emissions (Scope 2)                                          1,691


Category 3: Indirect GHG emissions from transportation


 Upstream transport and distribution                                           0

 Business travels                                                           227,82

 Transportation of clients and visitors                                        0


 Downstream transportation and distribution                                    0


 Employee commuting                                                        1.850,99



Category 4: Indirect GHG emissions from products used by Organization



 Energy related activities not included in direct emissions and
                                                                               0
 energy indirect emissions

 Purchased goods and services                                               371,48

 Capital equipment/goods                                                    440,35


 Waste generated in operations                                                 0


 Upstream leased assets                                                      13,21



Category 5: Indirect GHG Emissions associated with the use of products from the Organization


 Investments                                                                   0

 Use of sold products                                                          0

 End of life treatment of sold products                                        0

 Downstream franchises                                                         0

 Downstream leased assets                                                   113,21


 Processing of sold products                                                   0
Page 13
Category 6: Indirect GHG emissions from other sources


 Other indirect emissions or removals                                                  0

 Total GHG Emissions (Scope 1 and 2)                                              3.017,07

Total GHG Emissions (Scope 1 and 2)                                               1.975,12

Total GHG Emissions (Scope 1, 2 and 3)                                            4.992,19

Offsets/Credits                                                                        0

REC Purchases (kWh)                                                                    0



                                            Total scope 1 and 2 emissions produced per
E-02    GHG Emissions Intensity                                                               0,0049
                                            revenue of listed compant (tCO2e/Rp)
                                            Total amount of energy directly consumed
                                                                                                 0
                                            (kWh or J)
                                            Total amount of energy indirectly consumed
E-03    Electricity Consumption                                                              1.831.027
                                            (kWh or J)

                                            Total energy consumption (kWh or J)              1.831.027


E-04    Water Consumption                   Total water consumed (m3)                         13.801


E-05    Waste Generation                    Total waste generated (ton)                          0



E-06 Company commitment to Net Zero Emission Target
Does the Company have a net zero emission target commitment?                   Yes

What year is the Company’s net zero emission published target?                 2030

Please provide a brief description and a link to documentation explaining the Company’s commitment in
achieving net zero emission target.
 Bank is committed to realizing sustainable development that is expected to maintain economic stability and
 be inclusive as required by the national economic system by prioritizing harmony between economic, social
 and environmental aspects in every financial product and service, banking operations and risk management.
 Alignment of Environmental, Social and Governance aspects is one of Bank Mestika's targets in an effort to
 support global commitments related to climate change and Indonesia's Net Zero Emission (NZE) target.
 The Bank has not been able to submit the Net Zero Emission target, until this report was prepared
 The Bank is still in the process of preparing the Climate Risk Management & Scenario Analysis (CRMS)
 which will only be reported in July 2025 based on the OJK letter (S-37/D.03/2024).

 The company's target for the publication of Net Zero Emission achievements is tentative, because Bank
 Mestika is still in the process of submitting financed emissions based on OJK Circular Letter Number: S-
 37/D.03/2024, regarding CRMS which will be reported for the first time in July 2025.

E-07 Company Commitment to GHG Emission Reduction Target
Does the Company commit to reducing GHG emission?                              Ya
                                                                               0%
What is the Company’s GHG emission reduction target?
                                                                               0 (tCO2e)
Targeted year in achieving GHG reduction target?                               2031
Page 14
Does the Listed Company has measures on monitoring in enacting climate policy?




No


Steps that have been taken and emission reductions that have been achieved compared to the previous year


Bank Mestika has implemented several programs to reduce emissions, as follows:
1. Regular maintenance and rejuvenation of operational vehicles.
2. Use of electric cars as operational vehicles which will increase by several units in 2024.
3. Use of environmentally friendly materials,
Bank Mestika in supporting environmental sustainability implements several programs such as:
a. energy saving,
b. through the initiation of the Green Office program or called Green Office which aims to make energy
consumption more efficient, and
c. environmental conservation initiatives by carrying out greening programs in the Mertasari Beach area, Sanur
City, Bali and through the conservation of sea pine plants along Pasir Putih Beach, and the Pasie Nan Tigo
Coast, Padang, West Sumatra.
4. Reducing waste and effluent, namely a paper saving program.
Minimizing the use of paper in Bank operations, including printed documents, photocopies, promotional materials
such as brochures, publishing internal memos, envelopes and other office administration needs.
5. Tree planting program.
Since 2019, Bank Mestika has planted 1,350 trees.

Bank has a target to reduce greenhouse gas emissions, for the target year in reducing greenhouse gas
emissions will be informed further so that the value and target year cannot be determined yet.
The Bank has not been able to convey the Net Zero Emission target, until this report was prepared
The Bank is still in the process of preparing the Climate Risk Management & Scenario Analysis (CRMS) which
will only be reported in July 2025 based on the OJK letter (S-37/D.03/2024).

B. Kinerja Sosial (Social Performance)

S-01 Gender Diversity



                                       Men                                                 Women
 Job positions          Number of             Percentage of                                          Percentage of
                                                                        Number of employees
                        employees              employees                                              employees
 Entry-level     243                        22.63 %                     491                      45.72 %

 Mid-level       82                         7.64 %                      169                      15.74 %

 Senior-level    51                         4.75 %                      25                       2.33 %

 Executive-level 12                         1.12 %                      1                        0.09 %

 Total Pegawai   388                        36.13 %                     686                      63.87 %


S-02 Employees Level by Gender and Age Group

                                                          Job levels
 Age group             Entry-level            Mid-level                Senior-level    Executive-level Number of
 (years)                                                                                               employees
                      Men      Women        Men       Women          Men       Women       Men   Women


 18-25           89           127       0             1          0            0        0         0         217

 25-35           95           227       30            36         4            2        0         0         394
Page 15
35-45              49       110       38         40       20     10           0          0        314

45-55              8        26        12         40       17     12           0          0        115

>55                2        1         2          5        10     1            12         1        34


S-03 Employees Turnover

                                          Number of employees                         Percentage
                                           (in reporting year)                    (in reporting year)

Number of employees resigned      103 Employees                       9,59 %


Number of newly appointed
                                  107 Employees                       9,96 %
Employees


S-04 Temporary Worker

                                          Number of employees                         Percentage
                                           (in reporting year)                    (in reporting year)
Total company headcount held
by contractors and/or             0 Employees                         0%
consultants


S-05 Employee Training and Development


    Average training hour per
                                  Total employee attending company Percentage of employee attending
            employee
                                          training program          company training program (%)
       (in reporting year)

49,6 hours/employee               1.074                               100 %


S-06 Injury Rate


Frequency of work-related accidents of total
                                             Percentage of serious work-related accidents resulting in
                Employees
                                                serious and fatal injuries from total employees (%)
            (in reporting year)

0                                                0%


S-07 Incidents Regarding Human Rights Abuse


Number of incidents regarding human rights
                                           0
        abuse (in reporting year)



Company Policy Regarding Employees


S-08 Does the company has a policy regarding sexual harassment and/or
                                                                              Yes
non-discrimination?




S-09 Does the company has a policy regarding human rights?                    No
Page 16
S-10 Does the company have a policy regarding child labor and/or forced
                                                                                No
labor?



S-11 Does the company have a company policy regarding occupational
health and safety as well as a safe working environment for all                 Yes
employees?



Corporate Social Responsibility (CSR)


S-12 Does the company have CSR activities, investments or donations to
                                                                                No
the community or registered non-profit organizations?




C. Governance Performance


 G-01 Board Diversity and Independence


Type of Company       Number of seats     Seats Occupied by Seats Occupied by Seats Occupied by
     Board             on Company                Men             Women        Independent Party

Commissioners        0                     4                    0                     3
Directors            0                     5                    0                     3


 G-02 Board Meeting Attendance



                              Number of board meetings          Percentage of board meeting
                                 (in reporting year)           attendances (in reporting year)
Director Attendance to
                             13                              100 %
Board Meetings

Comissioner Attendance to
                             11                              100 %
Board Meetings



  Other governmental-related policy


G-03 Does the company has a policy regarding separation of the
                                                                                Yes
Chairman of the Board and CEO?
  The term used in the Company is :
  Chairman of the Board is held by the Board of Commissioners whose duty is to supervise the strategy and
  course of the Company's business carried out by the Board of Directors.
  The CEO is held by the President Director who is authorized over all operational activities of the bank and
  leads and manages the bank so that in its development it is always in the corridor of implementing good
  governance.

  Both functions have policies that regulate matters that must be implemented by the Board of Commissioners
  and the Board of Directors of the Company.


G-04 Does the company has a policy regarding board appraisal?                   Yes
Page 17
 The Bank has established a policy for evaluating the Board of Directors through Decree No. 43/SK-
 BMD/DIR/2024 dated July 1, 2024, and a policy for evaluating the Board of Commissioners through Decree
 No.002/SK-BMD/DIR/2025 dated January 22,2025.
 The disclosure of the evaluation policies for the Board of Directors and the Board of Commissioners is
 presented in the corporate governance implementation report.

G-05 Does the company has a policy regarding board training and
                                                                                 Yes
development?
 In general, employee training policies cover all positions at Bank Mestika, starting from the Board of
 Directors, Board of Commissioners, Executive Officers to Staff and prospective employees. In its
 implementation, identification of training needs for the Board of Directors and Board of Commissioners
 includes conducting a study of the Bank's Business Plan and input from the committees.
G-06 Does the company has a criteria regarding board appointment and
                                                                                 Yes
re-election?
 The Bank has a policy related to the election of the Board of Directors and the Board of Commissioners as
 stipulated in Decree No. 024/SK-BMD/DIR/2023 dated April 13, 2023 concerning Succession Policy for
 Directors & Commissioners.
 The policy stipulates the criteria for the selection of the Board of Directors and the Board of Commissioners.

G-07 Does the company has a policy regarding ethics and/or anti-
                                                                                 Yes
corruption?
 The Bank has a code of ethics stipulated in Decree No. 19/SK-BMD/DIR/2015 on the Code of Ethics of PT
 Bank Mestika Dharma Tbk and for the anti-corruption policy set forth in Decree No. 006/SK-BMD/DIR/2025
 dated March 10, 2025 on Written Policies and Procedures for the Implementation of Anti Fraud Strategy.
 In its implementation, every new employee will receive socialization related to good practice guide and anti-
 fraud which discusses the code of ethics and prohibition of fraud-related practices.

 Link: https://www.bankmestika.co.id/img/Report/Lainnya/Kode%20Etik%20Bank.pdf

G-08 Does the company has a policy regarding equitable treatment of
                                                                                 Yes
shareholders?
 The Bank has a policy to prevent conflicts of interest as stipulated in Decision Letter No. 071/SK-
 BMD/DIR/2024 dated December 19, 2024 concerning Guidelines for Affiliated Transactions, Conflicts of
 Interest, and Insider Transactions.
 The policy regulates activities that are prohibited and activities that are not prohibited in conducting
 securities transactions.

G-09 Does the company have a policy regarding the obligations of
                                                                                 Yes
directors/commissioners to prevent conflicts of interest?
 The Bank has a policy to prevent conflicts of interest established by Decree No. 071/SK-BMD/DIR/2024
 dated December 19, 2024 concerning Guidelines for Affiliated Transactions, Conflicts of Interest, and Insider
 Transactions.
 The policy regulates activities that fall under conflicts of interest and disclosure of conflicts of interest.
Page 18
D. Other


 Alignment of Sustainability/Annual Reports with ESG Metrics


                                                                      Pages in the Sustainability/Annual
   Kinerja       Kode                 Metric Name
                                                                                    Report
                E-01     Greenhouse Gas Emission Report           118

                E-02     Greenhouse Gas Emission Intensity        118

                E-03     Electricity Consumption                  30

                E-04     Water Consumption                        30
Environment
                E-05     Waste Generated                          120
                         Company Commitment to Achieving Net
                E-06                                              27
                         Zero Emission Target

                         Company Commitment to Reduce
                E-07                                              113
                         Emission

                S-01     Gender Equality                          122

                S-02     Employees by Gender and Age Group        43

                S-03     Employee Turnover Rate                   122

                S-04     Number of Temporary Officers             43

                S-05     Employee Training and Development        125

                S-06     Number of Work Accidents                 124

                S-07     Human Rights Violation Incidents         -

Social                   Sexual Harassment and/or Non-
                S-08                                              -
                         Discrimination Policy

                S-09     Policy on Human Rights                   -

                S-10     Child Labor and/or Forced Labor Policy   123


                         Occupational Health and Safety Policy
                S-11     and Safe and Secure Work Environment     124
                         are provided to all employees.

                S-12     Corporate Social Responsibility          131
Page 19
                                  Management Diversity and
                    G-01                                                       -
                                  Independence
                                  Total Attendance of Directors and
                    G-02                                                       -
                                  Commissioners to Board Meetings
                                  Chairman of the Board and CEO
                    G-03                                                       -
                                  Separation Policy
                                  Board of Directors and Commissioners
                    G-04                                                       -
                                  Assessment Policy
                                  Board of Directors and Commissioners
Governance          G-05                                                       -
                                  Training Policy

                    G-06          Special Criteria for Election of the Board   -

                    G-07          Code of Ethics and/or Anti-Corruption        83

                    G-08          Fair Treatment Policy for Shareholders       -

                    G-09          Conflict of Interest Prevention Policy       -




 Referenced International Standards and Third Party Verification



   Alignment with sustainability reporting framework

    X   Yes          No


              X   GRI

                  TCFD

                  CDP

                  IFRS S1

                  IFRS S2

                  SASB

                  Others, please specify


 null


   Third-party assurance and/or validation

    X   Yes




 Name of third-party service provider                     Scope of Work




Other Information:

1. Additional information on point E-01, on the Greenhouse Gas Emission Report: Bank Mestika's emission report is
calculated based on the operational and business activities of PT Bank Mestika Dharma Tbk. Bank Mestika does not
have any subsidiaries included in the emission assessment. 2. Additional information on point E-01, Category 5 related
to indirect GHG emissions related to the use of the Company's products: Bank Mestika is still in the process of preparing
financed emissions based on OJK Circular Letter Number: S-37/D.03/2024, regarding CRMS which will be reported for
the first time in July 2025. 3. Additional information on point E-07, regarding the Company's commitment to reducing
greenhouse gas emissions, Bank Mestika is committed to reducing GHG emissions, however the target for reducing
Page 20
GHG emissions and the target year for reducing GHG emissions are still being calculated, and will be adjusted to the
Bank's provisions. 4. This report is a re-report carried out by the Company because the Electronic Reporting System
(SPE) site experienced technical problems in the submission process via form E020 on April 30, 2025.



Thus to be informed accordingly.


Respectfully,
PT Bank Mestika Dharma Tbk.




Suharto Kurniawan

Kepala Bagian Corporate Secretary




PT Bank Mestika Dharma Tbk.
Jl. H. Zainul Arifin No. 118, Medan
Phone : 061-4525800, Fax : 061-4527324, www.bankmestika.com



Sender Name                           Suharto Kurniawan

Function                              Kepala Bagian Corporate Secretary

Date and Time                         02-05-2025 17:29

Attachment                            1. Surat Direksi No. 400.pdf


                                      2. SR BANK MESTIKA 2024.pdf


                                      3. Pemberitahuan SPE Mengalami Gangguan.pdf


 This is an official document of PT Bank Mestika Dharma Tbk. that does not require a signature as it was generated
     electronically by the electronic reporting system. PT Bank Mestika Dharma Tbk. is fully responsible for the
                                      information contained within this document.

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Names mentioned 13 people and organisations named in the text · linked when the evidence is strong

linked org Bank Mestika Dharma Tbk. · Nama Perusahaan p.1 ×42
unresolved — Emisi langsung dari pembakaran stasioner p.1
unresolved — Emisi fugitive langsung p.1
unresolved — Total Emisi Langsung (Scope 1) p.1
unresolved org Bank Mestika p.3 ×14
unresolved org Bank Mestika's p.9 ×3
unresolved person H. Zainul Arifin p.10 ×2
unresolved person Suharto Kurniawan · Kepala Bagian Corporate Secretary p.10 ×2
unresolved — Direct emissions from stationary combustion p.11
unresolved — Direct emissions from mobile combustion p.11
unresolved — Direct emissions from processes p.11
unresolved — Direct fugitive emissions p.11
unresolved — Total Direct Emissions (Scope 1) p.11

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