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sustainability
report
2024
Fostering
Sustainable
Excellent Behavior
PT Bank BTPN Syariah Tbk
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PT Bank BTPN Syariah Tbk 2
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DISCLAIMER AND
LIMITATION OF LIABILITY
In the case of different interpretations and/or information presented in
foreign language from the ones presented in Indonesian, the referred
information is the one presented in Indonesian.
For updated information, please contact us at Menara SMBC 12th Fl.
CBD Mega Kuningan, Jl. Dr. Ide Anak Agung Gde Agung Kav. 5.5-5.6, South Jakarta 12950,
Indonesia. Phone 021 - 300 26 400 or E-mail: InvestorRelation@btpnsyariah.com
We are committed to openly communicate with each stakeholder.
All stakeholders are welcome to visit our website at www.btpnsyariah.com
for further information on BTPN Syariah. The online version
of this document is available at www.btpnsyariah.com.
PT Bank BTPN Syariah Tbk
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fostering sustainable
excellent behavior
Every small step toward change can have a significant impact on
sustainability. In 2024, BTPN Syariah strengthened its efforts to
support the achievement of the Sustainable Development Goals
(SDGs) by fostering sustainable excellent behavior that promotes
economic independence, social equality, and environmental
awareness. Through inclusive financial access accompanied by
assistance, the Bank strives to align financial performance with
community well-being and environmental sustainability.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability overview
PT Bank BTPN Syariah Tbk
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social
aspects
Together with prosperous families who embody the good
will of empowering women in inclusive communities, we, as
#bankirpemberdaya, move forward collectively to foster
sustainable excellent behavior. This journey is a testament to our
commitment to supporting inclusive communities in leading more
meaningful lives with improved health and education for their
children.
PT Bank BTPN Syariah Tbk
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PT Bank BTPN Syariah Tbk
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environmental
aspect
We foster sustainable excellent behavior by incorporating
environmental awareness into our daily activities. Every step is
taken to minimize negative impacts on the earth, ensuring the
preservation of natural resources for future generations.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability overview
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governance
aspects
BTPN Syariah has implemented responsible Sharia principles,
prudent risk management, and a supervision system that ensures
compliance with regulations and sustainable financial values. This
reflects sustainable excellent behavior in governance aspects,
as our way of ensuring the Bank’s healthy and sustainable
performance while providing benefits to all stakeholders.
PT Bank BTPN Syariah Tbk
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01
sustainability
overview
Throughout 2024, BTPN Syariah has selectively
provided financing to 3.8 million inclusive
customers >268 thousand communities across
2,650 districts in 26 provinces of Indonesia. This
financial access, accompanied by the guidance
of #bankirpemberdaya who serve as role models
for sustainable excellent behavior, is part of the
Bank’s support for achieving the Sustainable
Development Goals (SDGs).
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability overview
PT Bank BTPN Syariah Tbk
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sustainability
performance highlights
economic [OJK B.1]
IDR 10.17 trillion
94.5% IDR 11.72 trillion
financing disbursement sustainable business third party funds
activity financing
IDR 4.89 trillion
IDR 1.06 trillion
IDR 21.75 trillion
revenue net profit total assets
53.16% 3.75% 12.63%
CAR NPF ROE
(capital adequacy ratio) (non-performing financing) (return on equity)
environmental [OJK B.2]
145.61 kWh/m2 13.62 ton
building energy consumption intensity (IKE) waste that has been successfully sorted
PT Bank BTPN Syariah Tbk
3,422.38 ton
CO2eq
0.00070 CO2eq/Rp juta
ton
GHG emissions scope 1 and 2 produced GHG emissions compared to revenue
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sustainability report 2024 | sustainability overview
social [OJK B.3]
82% 22% 9,36 hours
the percentage of women members of the Board average training hours
employees of business manager of Commissioners and per female employee
level and above Directors are women
>7
million
>3.8 million
>60thousand
customers receive health, active inclusive customers customer who have received
environmental, social and assistance through the Bestee
entrepreneurship training program in 2024
IDR 1.1
billion
>268 thousand
2,650
social funds for CSR activities inclusive community number of districts assisted in the
groups served Bestee program nationwide
2,133 >75% >10,800
number of students increase in the number of number of followers on Kita
participating in the Bestee universities participated in Bestee’s instagram
program the Bestee program
PT Bank BTPN Syariah Tbk
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economic performance [OJK B.1]
description unit 2024 2023 2022
Total Assets IDR million 21,747,580 21,435,366 21,161,976
Revenue IDR million 4,894,273 5,259,749 5,029,350
Financing Provided to the
IDR million 10,171,759 11,387,861 11,527,463
Inclusive Community
Entity 393 419 432
Total Local Suppliers Percentage Proportion
of Local Suppliers to the 100% 100% 100%
Total (%)
environmental performance [OJK B.2]
description unit 2024 2023 2022
Fuel Consumption for Liter 161,084 139,861 188,742
Operational Service Vehicles GJoule 5,315.77 4,615.41 6,228.49
kWh 3,271,510 4,122,674 4,576,248
Electricity Consumption
GJoule 11,777.44 14,841.63 16,474.49
Water Consumption m3 12,672.26 11,244.15 10,127.32
Paper Usage Kg 235,977 239,074 319,730
social performance [OJK B.3]
description unit 2024 2023 2022
Average Training Hours
Hours 5.59 5.95 6.00
per Male Employee
Average Training Hours
Hours 9.36 10.90 5.40
per Female Employee
Number of Female Employees
Holding Positions as Business People 1,383 1,367 1,275
Manager or Higher
Proportion of Female
Employees Holding Positions % 82% 75% 75%
as Business Manager or Higher
Number of Active Inclusive
People 3.81 million 4.21 million 4.25 million
Customers
PT Bank BTPN Syariah Tbk
Inclusive Community Group > 268 thousand > 257 thousand > 253 thousand
Area District 2,650 2,600 2,600
The Number of Students
People 2,133 1,821 108
Participated in Bestee
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sustainability report 2024 | sustainability overview
award
2024
05.03 16.05 29.05
Indonesia Excellence Youth Choice Award The Best Corporate Transparency and
GCG Awards 2024–Warta Ekonomi 2024-Marketeers: Emission Reduction-Investor Trust:
Indonesia Excellence Good Employer Branding
Corporate Governance Ethics in through Social Media Transparency of Corporate Emission
Enhancing Banking Accessibility Calculations (gold predicate)
for Inclusion Society (Category:
Sharia Bank)
01.06 02.07 17.07
Indonesia Sharia and Halal Top Brand Nusantara CSR Awards 2024–La Tofi
Infobank the Most 500 Outstanding School of Social Responsibility
Women 2024 in Financial Sector & Awards 2024-Warta Ekonomi:
State Owned Enterprise-Infobank:
Indonesia Best Sharia Bank 2024 • National CSR SDGs Award
The Most Outstanding Women 2024
with Capacity Building of Inclusion Healthy & Prosperous Life
(Mrs. Dewie Pelitawati & Mrs. Dewi
Communities (Kategori KBMI 2) Category
Nuzulianti) Model and Improving
• National CSR SDGs Award
Gender Equality Category
17.07 26.07 26.08
Financial Literacy Award The 3 Indonesia DEI & ESG Awards
rd 2023 Vision Award Sustainability Report
2024-Otoritas Jasa Keuangan (OJK) (IDEAS) 2024-PR Indonesia Competition-League of American
Communications Professionals (LACP)
The Best Sharia Financial Literacy Bronze Winner Sub Kategori • Platinum Award (Industry Award
Program Category Kesetaraan Gender Garnered)
• Rank 15 Out of Top 100
Reports–Worldwide
• Best Report Cover Worldwide
• Top 20 Reports Indonesia
• Rank 2 out of Top 50 Rank
Top 100 Reports
Asia–Pacific Region
• Best Report Cover Asia– Pacific
Region
28.08 20.10
Annual Report Competition (ARC) Road to CNBC Award
Award-MerComm, Inc 2024–CNBC Indonesia
PT Bank BTPN Syariah Tbk
25.10
• Gold Medal for Non-English Excellence Sharia Bank The 15th IICD Corporate Governance
Conference & Award-Institute for
Annual Report Category Empowering Ultra Micro
• Bronze Medal for Script Writing Corporate Directorship (IICD)
• Bronze Medal for Covers Photo /
Design • Top 10 in Top 50 Mid
Capitalization Public Listed
Company
• Best Overall Mid Cap
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table of
contents
Chapter 1 sustainability overview
economic performance 14
environmental performance 14
social performance 15
award 2024 17
Chapter 2 management report
president commissioner report 22
chairman of sharia supervisory board report 26
board of directors explanation 30
statement letter of the Board of Commissioners and the Board of Directors
38
concerning the responsibility for 2024 sustainability report of PT Bank BTPN Syariah Tbk
Chapter 3 sustainability commitment
sustainable financial strategy 42
building sustainable excellence in behavior 42
sustainability initiatives and support for the SDGs 43
Chapter 4 company profile
about BTPN Syariah 48
BTPN Syariah at a glance 50
vision, mission, and sustainability values 52
business scale 56
products and services 61
association membership 63
significant changes in issuers and public companies 65
Chapter 5 sustainability governance
implementation of sustainability governance 68
person in charge of sustainable finance implementation 69
competency development related to sustainable finance 83
sustainable financial risk management 86
PT Bank BTPN Syariah Tbk
relationship with stakeholders 94
challenges in implementing sustainable finance 96
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sustainability report 2024 | sustainability overview
Chapter 6 sustainability performance
sustainable excellent behavior improves economic performance
financing with social consciousness 100
distribution of economic value 103
support towards sustainable development 106
building excellent and sustainable behavior in work
fostering sustainability culture 110
equal employment opportunities 111
decent and safe working environment 112
competency and capacity development 115
building sustainable excellence in customer behavior
innovation and development of sustainable financial products/services 130
impact of product and service 132
product/service safety evaluated for the customer 133
commitment to provide services for products and/
134
or services that are equivalent to consumers
consumer complaints 137
ostering sustainable excellent in behavior for others
impact of bank operations on society 142
environmental social responsibility activities (CSR) 166
building sustainable excellent behavior for the good of the earth
commitment to climate change 174
manage resources wisely 174
greenhouse gas (GHG) emissions 179
waste management 181
Chapter 7 about the sustainability report
scope and reporting period 184
list of material topics 187
PT Bank BTPN Syariah Tbk
contact 189
POJK index No.51/POJK.03/2017 190
standard index of GRI POJK No.51/POJK.03/2017 193
feedback form 196
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02
management
report
Based on the philosophy of “do good, do well”,
BTPN Syariah has chosen from the start to
serve the ultra-micro segment, particularly
mothers within inclusive customers. With
the support of prosperous families, intensive
assistance from #bankirpemberdaya, and
strong synergy with stakeholders, we ensure
that every customer has the opportunity to
grow and lead a more meaningful life.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | management report
president commissioner
report
By providing access to financing and empowering inclusive communities,
BTPN Syariah also supports the achievement of Sustainable Development
Goals (SDGs), by making efforts to build sustainable, excellent behavior with
real impacts on economic, social, and environmental aspects.
Kemal Azis Stamboel
President Commissioner/Independent
Bismillahirrahmanirrahim
Assalamu’alaikum Warahmatullahi Wabarakatuh
Dear Shareholders and Stakeholders,
The severe shock of the Covid-19 pandemic, In Indonesia, the number of people living in
which disrupted and transformed the order poverty or vulnerable to poverty has reached
of the global community, continues to leave a around 92.91 million over the past five years.
long-term effect, commonly referred to as the This means 1 of 3 Indonesians faces the risk of
scarring effect. This effect presents a significant declining living standards due to illness, job loss,
challenge for the world in eradicating poverty, or natural disasters. Considering that the impact
which is reflected in Goal 1: “No Poverty”, one of of climate change is increasingly real, shifting
the 17 Sustainable Development Goals (SDGs). weather patterns or natural disasters may cause
crop failure, leading to an increase in food prices.
As reported by the World Bank in October Additionally, the increasing potential for disease
2024, we are all facing substantial setbacks outbreaks affects public health. Illness reduces
in eliminating extreme poverty. The world’s 26 productivity, jeopardizing household economic
PT Bank BTPN Syariah Tbk
poorest countries, home to approximately 40% resilience, particularly for primary income
of the global population, are experiencing the earners.
highest debt burdens since 2006. In addition
to repaying debts incurred during the Covid-19
pandemic, these nations are highly vulnerable to
natural disasters resulting from climate change
and geopolitical crises.
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Other than the rising number of poor and by COs, serve as key strategies in rebuilding
vulnerable poor individuals, the prosperity gap sustainable excellent behavior, strengthening
continues to widen. Post-pandemic, Indonesia’s customer solidarity, and contributing to the
Gini ratio has increased, indicating the urgent Bank’s performance stability.
need to assist those unable to recover quickly
due to limited education and access. Alongside The Bank’s initiative to build sustainable excellent
external support, individuals in the ultra-micro behavior among inclusive communities is its
segment must cultivate self-determination way to eradicate cultural poverty, or poverty
and commitment to transforming their lives. At driven by behavioral factors. In the context of
BTPN Syariah, we call this the excellent behavior the Bank’s support for the SDGs, sustainable
of BDKS: Courage, Discipline, Hard Work, excellent behavior embodies a mindset that
and Mutual Assistance. Amid this challenging positively impacts economic, social, and
situation, all #bankirpemberdaya are dedicated environmental aspects. Customers who embrace
to fostering sustainable excellent behavior to this behavior can improve their well-being, reduce
strengthen resilience. social inequality, and support healthier, more
environmentally friendly lifestyles.
fostering sustainable excellent
behavior Therefore, we appreciate the Board of Directors’
commitment for implementing strategic
We understand that BTPN Syariah’s choice to measures to ensure the implementation of
focus on serving inclusive communities is not an sustainable financing, aligned with the Bank’s
easy one. However, we believe that BTPN Syariah mission and vision. Generally, the Board of
must play an active role in achieving SDGs, Commissioners views BTPN Syariah’s ability
particularly through four main access: access to sustain its business model, which integrates
to financing, knowledge, supply of goods, and economic, social, environmental, and governance
markets for the ultra-micro segment. Providing aspects throughout the challenges in 2024 as
finance, in line with the core function of a bank, is a demonstration of a successful, well-planned
our chosen path in serving inclusive communities. sustainability strategy. The sustainability values
This is because we firmly believe that the ultra- embedded in the Bank’s vision, mission, and
micro segment has the potential to grow if given culture serve as a strong foundation for all
the right opportunities. #bankirpemberdaya in integrating sustainability
into products, services, and daily operations.
This financial access is complemented by
empowerment efforts through financial sustainability performance
education tailored for the ultra-micro segment.
Before receiving financing, customers first The Board of Commissioners positively assesses
receive knowledge on basic money management the performance of the Board of Directors and
skills. Customers are also joined in groups management for successfully implementing
meeting biweekly through the Regular Sentra various sustainable finance programs, as outlined
Meetings (PRS). In these PRS meetings, in the Rencana Aksi Keuangan Berkelanjutan
customers will not only pay installments, but (RAKB)/Sustainable Finance Action Plan
also provided with empowerment modules by 2020-2024 for the 2024 indicators. Productive
the Community Officer (CO) relevant to the financing for inclusive customers, particularly
conditions of inclusive communities. This ensures women, reached IDR 9.6 trillion out of a total of
that customers experience a sustainable impact, IDR 10.17 trillion disbursed. This financing was
making it a prerequisite to access all the services accompanied by empowerment programs that
offered by BTPN Syariah through PRS. have reached more than 7 million customers.
The Bank’s efforts to enhance financing quality
In 2024, the Bank also strengthened its system have strengthened its financial performance with
to enhance customer discipline in making healthy ratios while delivering significant impact
installment payments. For the first time, the to inclusive communities.
Bank required customers to collect funds in
envelopes (with records on the envelope) to From an economic perspective, the Board of
PT Bank BTPN Syariah Tbk
strengthen their commitment and sense of Commissioners acknowledges that the Board of
shared responsibility. The Bank also shows its Directors has taken the right steps. The Board
appreciation through an incentive program, of Directors’ commitment to implement the
offering a free Umrah pilgrimage to solid groups principles of prudence in maintaining financing
that actively attend every meeting and maintain quality has sustained the financial performance,
disciplined, on-time payments. These two in line with projections, thus allowing for
approaches, combined with intensive assistance the direct economic value distribution to
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sustainability report 2024 | management report
stakeholders, starting from salaries and benefits time, digital services for funding customers
for employees, tax to the State, payments continue to be developed with a strong emphasis
to business partners, to contributing for the on ensuring data security and confidentiality.
environment and surrounding communities. We appreciate the Bank’s dedicated efforts in
In particular, financial access for the ultra- addressing the growing cybersecurity risks that
micro segment has produced measurable come with the expansion of internet connectivity.
impacts, both in education and healthcare.
The number of customers’ children receiving In the environmental sector, the Board of
better education has increased year to year, and Commissioners views the Bank’s contribution
customers’ homes have become more livable and to climate action as appropriate. The
healthier. Appropriate financing and assistance internalization of an energy-efficient and
have empowered the ultra-micro segment to environmentally friendly culture within offices
transform their lives. As many as 12% of inclusive and accommodation facilities has been
customers who were formerly people with the effectively implemented. The Bank’s commitment
lowest welfare status were able to improve their to environmental responsibility is also reflected in
lives and break out of this group within five years. the use of eco-friendly buildings.
On the social front, the Board of Commissioners closing
acknowledges that BTPN Syariah’s business
model has been properly implemented year after We extend our highest appreciation to the
year, supported by all #bankirpemberdaya. They Board of Directors and management for the
received training to enhance their capacities achievement of the Sustainable Financial
and gain equal opportunities to grow. As many Action Plan (RAKB) 2024. We believe these
as 96% of our employees are women who achievements will serve as a strong foundation
are actively engaged in inclusive community for the Bank’s sustainability performance in
empowerment, while 22% of the Board of the future, reinforcing stakeholder trust and
Directors and Board of Commissioners are solidifying BTPN Syariah’s position as a financial
women. This strategic step is accompanied by institution committed to sustainability. We
efforts to provide facilities that bring a safe and appreciate the role of the Sharia Supervisory
comfortable work environment. For COs who Board in ensuring that the Bank’s operations
work directly with inclusive communities, the consistently comply with Sharia principles.
Bank provides sufficient work facilities, including
accommodations and motorcycles, complete
with maintenance and fuel allowances. COs also We believe that there is always a way to
undergo capacity-building programs to serve as achieve dreams with SDGs, when development
role models in fostering excellent behavior among results in prosperity for all humanity without
their accompanied inclusive customers. compromising future generations. We stand
ready to collaborate with all stakeholders to
In addition, to involve the wider community realize these noble SDG goals, especially in the
in assistance inclusive customers through the aspects of eradicating poverty and reducing
Bestee program, the Bank engages thousands of welfare inequality
university students in its empowerment efforts.
The goal is to help customers’ businesses grow Thank you all stakeholders for the support on
and develop further. We continue to collaborate BTPN Syariah’s efforts to implement sustainable
with external stakeholders on financial literacy finance. Based on Good Will, may our sustainable
programs, providing greater benefits. This is also excellent behavior help us to overcome future
part of the efforts to support the acceleration challenges and help realize the dream of inclusive
towards achieving 17 Sustainable Development communities to transform their lives to be more
Goals (SDGs). meaningful.
From a product development perspective, Wabillahitaufik Walhidayah
we recognize the Bank’s focus on preparing Wassalammu’alaikum Warahmatullahi
adaptive and relevant technology for the Wabarakatuh.
PT Bank BTPN Syariah Tbk
inclusive community as highly appropriate.
Moving forward, this technology is expected to
support the cultivation of sustainable excellence.
The ongoing digitalization and continuous
enhancements across all operational lines of the Kemal Azis Stamboel
Bank contribute to cost efficiency. At the same President/Independent Commissioner
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sustainability report 2024 | management report
chairman of sharia
supervisor y board report
The Bank’s commitment to continuously foster sustainable
excellent behavior in social, economic, and environmental
aspects is in line with sharia values and becomes a significant
effort in achieving Sustainable Development Goals (SDGs).
H. Ikhwan Abidin, MA
Chairman of Sharia Supervisory Board
Bismillahirrahmanirrahim
Assalamu’alaikum Warahmatullahi Wabarakatuh,
Dear Shareholders and Stakeholders,
All praises and gratitude be to Allah SWT for His (SDGs), particularly Goal 1: No Poverty and Goal
grace and blessings upon us all. May peace and 10: Reduced Inequalities. We are grateful that all
blessings be upon Prophet Muhammad SAW, his these efforts have been carried out within the
family, and his companions. appropriate sharia framework.
Alhamdulillah, we are able to navigate The Sharia Supervisory Board (DPS) appreciates
through 2024 while consistently accompanying the Bank’s commitment to fostering sustainable
Indonesia’s inclusive communities in their excellent behavior of Courage, Discipline, Hard
journey towards a better life. BTPN Syariah Work, and Mutual Assistance (BDKS) in a
has consistently upheld sharia values in sustainable manner according to the sharia
implementing its business model, serving as principles and promoting the Bank’s overall
PT Bank BTPN Syariah Tbk
a bridge for prosperous families to support performance. We view that the Bank’s efforts
inclusive customers in starting and growing in implementing the 2024 Sustainable Finance
their businesses. This business model also acts Action Plan (RAKB), as submitted to the
as a real effort from the Bank to support the Financial Services Authority (OJK), have fulfilled
achievement of Sustainable Development Goals sharia principles. From a product perspective, the
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Bank strives to address inequality challenges by sustainable performance within the
distributing productive financing for the ultra- sharia framework
micro segment. Not only that, the Bank also
offers assistance to foster excellent behavior From an economic perspective, the Bank has
of BDKS as an effort to address the cultural successfully achieved its performance targets,
poverty challenge. These two parallel efforts are enabling the distribution of economic value
expected to promote financial independence to stakeholders. For example, the appropriate
among inclusive customers, ultimately improving return for funding customers, incentive programs
their well-being. such as free Umrah trips for customers
demonstrating the BDKS principle, attractive
sustainable support benefits for #bankirpemberdaya, and tax
contributions to the state. With the Bank’s
The Bank’s sustainable support for customers business model of opening financing access for
is reflected in four main access points: financial the ultra-micro segment, customers are able to
access, knowledge, supply, and market access. move towards a better standard of living. Their
In implementing our supervisory role, we have houses are increasingly meeting proper and
closely supervised the implementation of these healthy living standards. Their children are also
four access points. From the perspective of receiving better education.
product, field implementation, to the Bank’s
seriousness in implementing these four access Providing access to financing alongside
points, and whether they are according to the comprehensive assistance has proven to be
sharia law. This is based on DPS supervision strategic in providing economic and social
throughout 2024, including through 8 sampling benefits. The Bank implements a culture of
tests. From the benefits perspective, the community and familial spirit within local centers
productive financing products distributed to to maintain the spirit of solidarity. Community
inclusive communities have proven to enhance Officers must maintain assistance activities, as
customer well-being, provided that they remain human relationships cannot be fully replaced
steadfast to implementing the four excellent by even the most advanced digitalization.
characters of BDKS. The Bank’s aspiration to build a Sharia digital
ecosystem for inclusive communities must be
We appreciate the #bankirpemberdaya who implemented gradually, by maintaining face-
tirelessly accompany inclusive customers, even to-face interactions, emotional bonds, and
in challenging circumstances. Beyond expanding connections between individuals. After all, in
financial literacy, the presence of Community Islam, Allah SWT created humans as social
Officers (COs) in local centers serves as a beings. Meeting intensity and spiritual bond,
valuable resource for information on health, such as a familial sense and shared struggles in
parenting tips, and the environment. In this the ultra-micro segment, are key factors that
case, we continued to be convinced that Sharia determine the success of this business model.
banking is not merely about adhering to sharia On other social aspects, the Bank’s approach
law, but also about delivering a meaningful and in managing the #bankirpemberdaya talents,
positive impact on society. Since establishment, serving its customers, and distributing social
BTPN Syariah has consistently demonstrated its assistance through a number of CSR programs,
strong commitment to social and environmental has reflected sharia values.
aspects within its business operations.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | management report
We also think that the Bank’s efforts to the characteristics of Sharia banking, in line
contribute to the environmental aspect have with the third pillar of the 2023–2027 Indonesian
reflected profound gratitude for Allah SWT’s Sharia Banking Development and Strengthening
blessings. From operating in an eco-friendly Roadmap.
office building, conserving water and electricity,
to proper waste management, all of these We believe that through our shared commitment
initiatives are forms of our compliance to the to upholding sharia principles, BTPN Syariah will
orders of Allah SWT: “And do not cause damages continue to serve as a pillar of inclusive finance,
on earth after it was (created) in order. This is delivering long-term benefits to the community,
better for you if you believe.” (QS Al-A’raf: 85) particularly the ultra-micro segment. May Allah
SWT continue to grant His blessings and mercy
Overall, BTPN Syariah has successfully to us all in building sustainable excellent behavior
implemented sustainability principles within and achieving equitable prosperity based on
the sharia framework and is able to establish sharia values.
collaborations with stakeholders. We
appreciate the various sustainability programs
undertaken by BTPN Syariah throughout 2024. Wabillahitaufik Walhidayah
Our sincere gratitude goes out to all parties: Wassalamualaikum Warahmatullahi
customers, shareholders, management, and Wabarakatuh
all #bankirpemberdaya for their contributions,
dedication, and collaboration. We extend our
gratitude to the Board of Directors, Board of
Commissioners, shareholders, management, and
all #bankirpemberdaya for their dedication and H. Ikhwan Abidin, MA
contributions. We also appreciate the support of Chairman of the Sharia Supervisory Board
regulators and the Government in strengthening
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | management report
board of
directors explanation [OJK D.1]
Building sustainable excellent behavior is part of
BTPN Syariah’s efforts to realize the “do good, do well”
philosophy in supporting SDGs.
Hadi Wibowo
President Director
Bismillahirrahmanirrahim
Assalamu’alaikum Warahmatullahi Wabarakatuh,
Dear Shareholders and Stakeholders,
The world faces significant challenges in the Covid-19 pandemic, the conditions in these
achieving Sustainable Development Goals countries are highly vulnerable to the threats of
(SDGs), particularly Goal 1: No Poverty. The natural disasters caused by climate change as
International Monetary Fund (IMF) projects well as to geopolitical crises.
global economic growth to remain below the
pre-pandemic average at 3.2%, although it has Meanwhile, the International Labor Organization
slightly improved from last year at 3.1%. (ILO), in its “Global Wage Report 2024-2025:
Is Wage Inequality Declining Globally”, stated
In its latest report released in October 2024, that global real wages grew marginally by
the World Bank highlights a major setback in 1.8% in 2024 and are projected to increase by
eradicating extreme poverty. A total of 26 of the 2.7% worldwide. Real wages reflect workers’
world’s poorest countries, home to approximately purchasing power after being deducted by
40% of the global population, are experiencing inflation. In several developed countries, real
PT Bank BTPN Syariah Tbk
the most significant debt burden since 2006. wages have risen significantly by up to 5%, while
In addition to repaying debts incurred during in many others, the growth is unable to exceed
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1%. This indicates millions of workers and their According to Central Bureau of Statistics (BPS),
families continue to lower their standard of the middle-class population has gradually
living due to rising costs of living. Additionally, decreased from 57.33 million during the pandemic
wage disparities between countries remain to 47.85 million in 2024. Meanwhile, the number
substantial. The Covid-19 pandemic has given rise of people classified as vulnerable to poverty has
to a K-shaped recovery phenomenon. Visually, risen significantly. In 2019, this group accounted
this recovery looks similar to the two arms of for 54.97 million people or 20.56% of the total
the letter ‘K’, two facing upward and two facing population. Five years later, the figure had surged
downward. There are industries, such as digital to 67.69 million people or 24.23% of the total
sectors, that have thrived and recovered quickly population. This condition presents a significant
from the pandemic. Meanwhile, other industries challenge for Indonesia’s efforts to achieve
struggle to recover, resulting in negative growth. the SDGs target by 2030. This condition also
presents a challenge for us in implementing the
The uneven post-pandemic recovery is 2024 Sustainable Finance Action Plan (RAKB).
perpetuating three global economic classes
based on wealth and income. According to the sustainable excellent behavior to
World Inequality Report (2022), Lucas Chancel
respond to challenges [OJK D.1.a]
and Thomas Piketty mentioned that the first
group consists of the bottom 50% of the world’s Poverty eradication has long been a global
population, the second is the middle 40%, and agenda aimed at creating a world that is fairer
the third comprises the top 10%. and more prosperous for all. SDGs emphasize
the importance of an integrated approach across
In Indonesia, this disparity is reflected in the Gini economic, social, and environmental aspects.
ratio. The uneven economic recovery following Eliminating poverty is also directly linked to
the Covid-19 pandemic has widened inequality, other SDGs, such as ensuring good health and
with Indonesia’s Gini ratio reaching 0.388 in well-being (Goal 3), providing access to quality
March 2023. Over the past 25 years, since education (Goal 4), and reducing inequalities
Indonesia joined the G20 as one of the world’s (Goal 10).
largest economies, the Gini ratio has risen from
0.311 in 1999 to 0.379 in 2024. This growing From the start, we at BTPN Syariah have
inequality makes it even more difficult chosen to serve the ultra-micro segment,
for the less fortunate to achieve prosperity. particularly women from inclusive families, by
This condition emphasizes the urgency of embedding the “do good do well” philosophy
collaboration between multiple parties to as the foundation of our business. We invite
collectively reduce the Gini ratio towards zero, prosperous families to participate in empowering
indicating a more equitable income distribution. Indonesia’s inclusive communities by pooling their
funds to be distributed as capital for inclusive
Nevertheless, we remain grateful that Indonesia’s customers to run their businesses. The “do good
national economic growth in 2024 is projected do well” philosophy underpins BTPN Syariah’s
to remain strong at over 5%, continuing the commitment to providing four key access points
recovery trend since the successful handling of for inclusive customers, especially in addressing
the Covid-19 pandemic. However, many people sustainability challenges throughout 2024.
are still facing economic hardship. The wave of These four access points include financial access,
layoffs throughout 2024 has further strained knowledge access, supply access, and market
the economy. Climate change impact, such as access.
the El Niño and La Niña phenomenon that have
PT Bank BTPN Syariah Tbk
disrupted rainfall patterns, cause erratic planting In navigating the challenges of 2024, we
seasons and extreme weather. As a result, public continue to strengthen our assistance to
health has deteriorated and crop failures have inclusive customers to enhance their resilience
driven up food prices. Five consecutive months through BTPN Syariah’s strategic policies,
of deflation from May to September 2024 has particularly by sustainably rebuilding the four
signaled a decline in purchasing power. excellent behaviors of BDKS (Courage, Discipline,
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sustainability report 2024 | management report
Hard Work, and Mutual Assistance). Thus, implemented a more stringent selection process
we encourage regular face-to-face meetings for new customers and encourages each other
and offer various incentive programs. In our to make timely installment payments. Increased
business model, inclusive customers are joined discipline, as one of BDKS excellent behaviors,
in one group (collective groups) and conduct will foster other excellent behaviors, enabling
routine meetings biweekly in one of the inclusive customers to grow their businesses,
customers’ homes, serving as a gathering point improve their lives, and remain resilient in any
(center). These gatherings are called Regular situation.
Senta Meetings (PRS). In these meetings, our
Community Officers (COs) collect installment From an internal perspective, we have also
payments, savings deposits, and withdrawal established the Sustainability Task Force as a
requests from savings accounts, while providing key initiative in addressing increasingly pressing
intensive assistance. Through these meetings, sustainability issues. Within this task force, we
members strengthen one another, motivating have appointed two members of the Board
each other to work hard in realizing their dreams. of Directors as Supervisors, responsible for
The relationships formed between mothers overseeing its performance in implementing the
within these groups become more solid and RAKB program. These supervisors also ensure
project a strong sense of solidarity. If a member that program implementation aligns with the
faces hardship, the entire group actively provides Bank’s strategic direction and risk appetite.
effective support solutions. Throughout 2024, the Sustainability Task Force
has convened twice to monitor and review our
In 2024, the bank strengthened its system to sustainability performance.
enhance customer discipline in loan repayments.
For the first time, the bank required customers In 2024, BTPN Syariah submitted its Sustainable
to collect funds in an envelope (with records kept Finance Action Plan (RAKB) 2025-2029, which
on the envelope) to reinforce commitment and was approved by the Board of Commissioners,
a shared sense of responsibility among them. to the Financial Services Authority (OJK).
Before using this approach, shared responsibility We ensured that the RAKB aligns with the
was demonstrated by showing (brandishing) Bank’s Vision and Mission while complying
cash funds, which they would take back if not with regulatory requirements, including good
needed. However, since this practice was not corporate governance, Sharia governance
implemented during Covid-19 reinstating it under the active role of the Sharia Supervisory
posed a significant challenge. With the envelope Board, and other sustainability finance-related
system, it became clear which customers had or regulations. The Board of Directors assess that
had not committed to helping fellow customers the RAKB is in line with government and OJK
affected by hardships. programs, consistent with Indonesia’s Roadmap
for the Development and Strengthening of sharia
We have ensured that this action complies with banking, and supports the sustainability direction
regulations, good corporate governance, and and goals of our holding entity, PT Bank SMBC
sharia principles. We have also communicated Indonesia Tbk, and the SMBC Financial Group.
this to customers through COs on the field,
emphasizing that this measure is necessary In response to sustainable finance challenges, we
to strengthen a sense of responsibility, prioritize strengthening human capital as part of
maintain solidarity, and ensure the Bank’s the triple bottom line: people, planet, prosperity,
business sustainability. We assess that the thus impacting the overall sustainability
group’s adaptation to this new approach has performance. The Bank’s sustainability initiative
PT Bank BTPN Syariah Tbk
been smooth. Naturally, the group has also indicators of 2024 have been discussed and
approved by the Board of Directors and the
Board of Commissioners, and they cover
economic, social, and environmental aspects,
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ensuring high-quality financing Third-Party Funds (DPK) from approximately
32,000 prosperous customers, with total
access
deposits amounting to IDR 11.72 trillion. Nearly
The external conditions in 2024 posed significant all of these funds were distributed to empower
challenges to the Bank in expanding access to inclusive communities.
quality financing. These challenges impacted
the Bank’s ability to perform both direct and a more meaningful life
indirect economic distribution to all stakeholders.
In response to this challenge, we strengthened On the social aspect, BTPN Syariah actively
our human capital aspect, which ultimately contributes to improving customer well-being,
strengthened the Bank’s sustainability career development, employee welfare, and
performance. From the inclusive customers’ financial literacy in the community.
perspective, we have implemented a newly
recorded envelope-based fund collection system Throughout 2024, we recruited high school
to strengthen discipline, accompanied by various graduates or equivalent, a demographic with one
attractive incentive programs. Meanwhile, of the highest unemployment rates in Indonesia.
from the Bank’s perspective, we manage They received comprehensive education and
all #bankirpemberdaya through a safe and training programs, including leadership training,
comfortable work environment and employment to equip them for serving inclusive customers.
relationships that respect diversity and potential The COs have led a more meaningful life by
development. We also optimized technology to serving as the Bank’s extension in providing
improve operational efficiency and ensure the access to financing and knowledge. As of
implementation of sustainable governance. December 31, 2024, we have served 3.8 million
inclusive customers through biweekly meetings.
Amid various significant challenges in 2024,
BTPN Syariah successfully disbursed a total A total of 81% of our employees are COs who
financing of IDR 10.1 trillion, with IDR 9.6 trillion are striving to improve their family’s standard
distributed to 3.8 million inclusive customers of living. To facilitate their work, BTPN Syariah
across 2,650 subdistricts in 26 provinces in provides accommodations (wisma) and
Indonesia. Of this financing, 94.5% falls under the motorcycles along with operational allowances.
category of sustainable financing, as defined by COs can use the accommodations for communal
OJK. living and more intensive coordination, as well as
gaining access to healthcare facilities.
The principle of prudence remains our key
strategy in facing the challenges of 2024. This The activities of CO are supported by the Bank’s
prudence is also practiced by group-member effective and efficient operations, carried out
customers, especially after the Bank required by #bankirpemberdaya, whose capacities are
them to collect funds in envelopes (with records continuously developed. We have recruited top
kept on the envelope). This system strengthens talents from Indonesian universities through
commitment and a shared sense of responsibility our Graduate Development Program. This
among customers, making them more selective program is specifically designed to prepare the
in recommending new customers. This approach next generation of Business Managers who
has supported the Bank’s financial resilience, as lead COs in the field and effectively respond
reflected in strong financial ratios. Return on to evolving business dynamics. This program
Assets (RoA) reached 6.3% and Capital Adequacy is also open for COs with the best potential.
Ratio (CAR) reached 53.2% or far above the This strategy is also followed up by a series
industry average. These conditions have allowed of talent management programs, including
PT Bank BTPN Syariah Tbk
the Bank to explore options for dividend payout LEAP, Leaders with Purpose Program, First
ratio in 2025, consistent with the 2024 payout. Line Manager Program, and other leadership
The Bank has also been consistent in providing development programs specifically in a number
the appropriate returns to funding customers. of directorates. These continuous development
Throughout 2024, the Bank successfully raised efforts aim to build excellent employee behavior,
fostering #bankirpemberdaya as role models for
empowerment.
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sustainability report 2024 | management report
In general, we can report that BTPN Syariah Survey of first-year customers shows that 39.2%
has managed its human capital in accordance were in the lowest 40% of Indonesia’s population
with applicable labor regulations, as evidenced in terms of welfare status. By the fifth year, this
by the absence of labor complaints throughout number decreased to 27.4%. Through financing
2024. We also implement affirmative policies and empowerment programs, including those
to support efforts to reduce inequalities, in line from the government and other initiatives, 12%
with Goal 10 of the SDGs. A total of 96% of our of the inclusive customers, initially classified as
employees are women, 82% of employees at the the lowest welfare group, were able to improve
Business Manager level and above are women, their lives and move out of this group within 5
and 22% of our Board of Directors and Board years.
of Commissioners members are women. We
provide equal career development opportunities In addition, inclusive customers can also achieve
for both men and women, and implement a their dream of performing Umrah more quickly.
salary system that is not determined by gender. One of the efforts in rebuilding the four excellent
We also acknowledge challenges in workforce behaviors (BDKS) of inclusive customers is
management, particularly high turnover through an incentive program for customers who
rates among COs, partly driven by increasing regularly attend at least 90% of PRS meetings
difficulties in their work in facing the customer and pay their installments on time. Sentra with
discipline challenge resulting from Covid-19 high discipline levels among the groups, united
disruption. with one another, and serving as an inspiration
for other groups or surrounding communities are
The increased discipline is also closely related entitled to a free Umrah trip. In October 2024,
to the improvement of three other excellent we sent customers and employees to perform
behaviors. Inclusive customers are becoming Umrah for free to the Holy Land of Meccaa.
more courageous in facing life’s challenges,
working harder, and supporting each other. These various efforts have proven BTPN Syariah’s
To further enhance our customers’ business commitment to enhancing the social aspects
capabilities, we have engaged the community, for customers through sustainable assistance
especially university students, to accompany programs. The Bank also ensures equality
customers through the Bestee Tepat (Berdaya through programs that enhance employee
Bersama Sahabat Tepat Indonesia) program, capacity, enabling BTPN Syariah to build a strong
which was initiated since 2021. In 2024, a foundation for every stakeholder in achieving a
total of 2.133 students from 461 universities more meaningful life.
across Indonesia served as facilitators in this
program, directly assistance inclusive customers maintaining ecological support
to strengthen their competitiveness. These
Bestee facilitators complement the role of Along with the stronger emergence of
COs, fostering greater independence among sustainability issues, particularly climate change,
customers in managing their businesses. we understand the increasingly real impacts
and increased vulnerability of communities,
The capacity of our customers, along with the especially those with low incomes. Therefore,
development of four excellent behaviors, has we strive to equip inclusive customers with
empowered them to grow their businesses, various information and knowledge about the
thereby improving their quality of life. We have environment and its benefits for their lives, both
measured sustainable living standards through now and in the future. Our COs share relevant
a scorecard developed by credible institutions information with them, such as healthy food
in measuring welfare levels. This method can information, how to grow vegetables in limited
PT Bank BTPN Syariah Tbk
reach all of our customers and shows significant spaces, and sorting waste. Through these simple
improvements over five years of financing methods, we hope that they can continuously
combined with empowerment. implement sustainable behaviors in their daily
lives.
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The Bank also pays attention to energy efficiency Meanwhile from a Sharia compliance
in every operational aspect. We have placed our perspective, the Sharia Supervisory Board has
headquarters in a green building-certified facility. conducted supervision, review, and monitoring
One of its implementations is smart lighting, on the implementation of the Bank’s products
which automatically turns off when a room is and programs to ensure they remain within the
empty, as well as applying other environmentally Sharia framework. These measures confirm
friendly principles. We also run an energy-saving that BTPN Syariah operates with the highest
culture across all offices and accommodations, standards of ethics and compliance, supporting
using energy-efficient electronic devices, and the achievement of our strategic goals and long-
making efforts to reduce waste through waste term sustainability.
sorting.
commitment to building sustainable
During 2024, we achieved energy savings,
resulting in a reduction in the energy
excellenct behavior
consumption intensity of our headquarters Facing future sustainability challenges, we
building by 145.61 kWh/m², as measured based understand the strategic role of banking as a
on the office building’s floor area. This figure provider of financing access in achieving SDGs.
still meets the “sufficiently efficient” category We fully support the Government’s efforts to
according to the IKE standard value based on encourage the allocation of sustainable capital
SNI-6197-2011 concerning the Building Energy and financing in support of the SDGs, in line
Consumption Intensity Standard in Indonesian with the Bank’s capacity to carry out its Mission
office buildings. The CO2 emissions produced by and realize its Vision of transforming the lives
the Bank during 2024 reached 3,422.38 tons of millions of Indonesians. We will consistently
CO2-eq for Scope 1 and 2, and 287.89 tons build excellent behavior of BDKS as a form of
CO2-eq for Scope 3 from paper usage. our support for poverty alleviation efforts, which
are closely related to the quality of education,
sustainability governance health, and income and wealth inequality. We will
also continue to build a sustainable ecosystem
Our efforts to achieve sustainability performance by expanding and strengthening the Bank’s four
according to the RAKB are carried out within main access points: access to finance, knowledge,
the framework of good corporate governance. supply of goods, and markets through the
The Board of Directors has ensured that use of technology tailored to the needs and
all business and operational activities are characteristics of our customers. The Bank will
conducted prudently by prioritizing the principles also enhance synergistic collaboration with
of transparency and accountability through all parties to jointly reduce inequality, support
the implementation of policies, procedures, inclusive communities in Indonesia to lead better
and regulations that are binding for all lives, and help realize their dreams. Insha Allah,
#bankirpemberdaya. As a result, there have there will be no more poverty on earth, in line
been no indications of corruption, gratuities, with SDG Goal 1: “No Poverty.”
or fraud threatening the Bank’s sustainability
during 2024. The Bank also has a Whistle
Blowing System called “JAGA” (Implement,
Supervise, Observe, Dig Deeper, Submit Report)
of (Jalankan, Awasi, Amati, Gali, Ajukan Laporan)
as a commitment to ensure the availability of
a channel for reporting information from both
internal and external parties regarding suspected
PT Bank BTPN Syariah Tbk
fraud by Bank employees.
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sustainability report 2024 | management report
appreciation Insha Allah, we will continue to commit to
building sustainable excellent behavior to
Alhamdulillah, BTPN Syariah was able to close move forward in overcoming every challenge
2024 with a sustainability performance that and seizing opportunities in our journey of
meets expectations and strengthens our efforts accompanying inclusive communities in a
in contributing to the achievement of SDGs. On sustainable manner, helping transform the lives
behalf of the Board of Directors, I would like to of millions of Indonesians.
express my sincere appreciation and gratitude
to all parties who have been part of our journey
in achieving a harmonious economic, social, and Wabillahitaufik Walhidayah
environmental performance during 2024. Wassalamualaikum Warahmatullahi
Wabarakatuh
A sincere appreciation goes to all
#bankirpemberdaya for their dedication in
carrying out their choice of empowering inclusive
communities in Indonesia, to all of the inclusive
customers who have demonstrated excellent Hadi Wibowo
behavior of BDKS, and to funding customers who President Director
have entrusted their funds to us to be distributed
to the ultra-micro segment and working together
with us to realize our good will. The Board of
Directors also extends a sincere gratitude to
our Customers, Shareholders, the Government,
Regulators, the Board of Commissioners, the
Sharia Supervisory Board, and all stakeholders
for their support and positive synergy in realizing
sustainability in serving inclusive communities.
PT Bank BTPN Syariah Tbk
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Statement Letter of the Board of Commissioners and the Board of Directors
Concerning the Responsibility for
2024 Sustainability Report of PT Bank BTPN Syariah Tbk
We, the undersigned, declare that all information contained in the 2024 Sustainability Report of
PT Bank BTPN Syariah Tbk has been presented in its entirety, and that we assume full responsibility
for the accuracy of the contents of the Sustainability Report of PT Bank BTPN Syariah Tbk. [GRI 2-14]
This statement is made in truth.
Jakarta, March 2025
board of commissioners
Kemal Azis Stamboel
president commissioner/independent
Mulya Effendi Siregar Dewie Pelitawati Ongki Wanadjati Dana
independent commissioner independent commissioner commissioner
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | management report
Jakarta, March 2025
board of directors
Hadi Wibowo
president director
Arief Ismail Fachmy Achmad
compliance director director
PT Bank BTPN Syariah Tbk
Dwiyono Bayu Winantio Dewi Nuzulianti
director director
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03
sustainability
commitment
As an syariah bank that upholds the principle of
“do good, do well,” BTPN Syariah actively contributes
to building sustainable excellent behavior. This effort
is part of a tangible contribution to the Sustainable
Development Goals (SDGs), in line with the value of
rahmatan lil ‘alamin, which prioritizes well-being and
benefits for all.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability commitment
PT Bank BTPN Syariah Tbk
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sustainable
financial strategy [OJK A.1] [GRI FS1] [GRI 2-22]
BTPN Syariah is committed to supporting the 3. Business Processes
Sustainable Development Goals (SDGs) through Delivering financial services that integrate
inclusive communities and strengthening the social risk and governance considerations
Sharia financial ecosystem. This commitment is into products, services, and business decision-
realized through a sustainable financial strategy making while operating banking activities
aligned with the Bank’s vision and mission, in an increasingly environmentally friendly
ensuring inclusive economic growth with a manner.
tangible impact on community well-being. 4. Financial Literacy
Implementing specific, easy-to-understand,
Through banking policies based on Sharia and practical financial literacy learning
principles, we strive to contribute to sustainable methods to support the creation of equitable
development by ensuring that all our business financial inclusion across Indonesia.
operations align with Environmental, Social, 5. Learning and Growth
and Governance (ESG) aspects. The Bank Enhancing the Bank’s capacity and
also complies with various government capabilities, both internally and through
regulations, including the Financial Services partnerships, to implement and improve the
Authority Regulation No. 51/POJK.03/2017 on quality of sustainable finance in alignment
the Implementation of Sustainable Finance with customer needs, business development
for Financial Institutions, Issuers, and Public direction, and sustainability goals, particularly
Companies. This regulation guides the financial in the social and community sectors.
industry in contributing to the provision of
funding for sustainable development, enhancing
building sustainable
financial institutions’ resilience through
the mitigation of social and environmental excellence in behavior
risks, reducing social inequality, preventing
and minimizing environmental degradation, In navigating the dynamics of sustainable
preserving biodiversity, and developing financial finance implementation throughout 2024,
products and/or services that adhere to BTPN Syariah is reaffirming its commitment
sustainable finance principles. to building sustainable excellence in behavior-
both among our ultra-micro customers and all
Referring to this regulation, BTPN Syariah’s #bankirpemberdaya. In this effort, we remain
sustainable financial strategy has been aligned steadfast in upholding the Bank’s vision and
with its business activities and is formulated as mission, as well as the eight principles of
follows: sustainable finance, including: [GRI FS2]
1. Portfolio 1. Principle of Responsible Investment
Providing inclusive, compact, simple, secure Responsible investment is an investment
financial products and service packages to approach that considers economic, social,
support poverty alleviation. environmental, and governance factors in
2. Accessibility decision-making. This enables the Bank to
Offering financial services that are easily manage risks better and generate sustainable
accessible, available at all times, and long-term benefits.
supported by the latest information
technology.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability commitment
2. Principle of Sustainable Business Strategy 7. Principle of Priority Sector Development
and Practices The Bank must take into account priority
The Bank must establish and implement sectors identified by the government.
sustainable business strategies and practices 8. Principle of Coordination and Collaboration
in every decision-making process. These To align strategies, policies, business
include the mission, vision, organizational opportunities, and product innovations
structure, strategic plans, standard operating with national interests, the Bank actively
procedures, work programs, and risk participates in forums, activities, and
assessment in collecting and distributing collaborations related to Sustainable Finance
funds. at local, regional, and national levels.
3. Principle of Social and Environmental Risk
Management Aligned with these 8 principles, BTPN Syariah
The Bank must exercise prudence in assessing strives to maximize its contribution to all
social and environmental risks related to fund stakeholders through a strategy of building
collecting and distribution activities. This excellence in behavior—supporting economic
includes risk identification, measurement, performance, #bankirpemberdaya, customers,
mitigation, supervision, and monitoring. society, and contributing to the well-being of
4. Principle of Governance the planet—within a sustainable governance
Governance enforcement is conducted framework. The Board of Directors is actively
through business management and involved in formulating short-term 1 (one) year
operations based on transparency, and long-term 5 (five) year, and has established
accountability, responsibility, independence, initiative programs that have been reviewed
professionalism, equality, and fairness. and approved by the Board of Commissioners.
5. Principle of Informative Communication The realization of these initiatives has been
The Bank prepares and provides informative periodically reported to the regulator.
reports covering strategy, governance,
performance, and prospects of the company.
sustainable initiatives and
These reports must be easily understood,
accountable, and communicated effectively support for the SDGs
through accessible channels for all
stakeholders. The sustainable finance program initiatives
6. Principle of Inclusivity outlined in the Sustainable Finance Action
The Bank must ensure the availability and Plan (Rencana Aksi Keuangan Berkelanjutan –
affordability of products and/or services RAKB) have been developed by BTPN Syariah in
accessed by all segments of society, including alignment with the Bank’s core strategy and Key
those who previously lacked access to banking Strategic Initiatives. This sustainability strategy
products and services. forms the foundation of the spirit “We Are
Different, We Are #bankirpemberdaya,” which
strengthens every step taken by BTPN Syariah.
PT Bank BTPN Syariah Tbk
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The Bank’s Sustainable Finance Action Plan (RAKB) is divided into major groups, namely the
enhancement of the sustainability portfolio, the development of internal capabilities and organizational
adjustments, risk management and governance, and operational procedures.
All these initiatives align with business activities that support the achievement of 12 Sustainable
Development Goals (SDGs). [GRI 2-22]
explanation of the SDGs (Sustainable Development Goals) BTPN Syariah’s achievements
No Poverty
End poverty in all its forms worldwide. External measurement results indicate that
within three years, BTPN Syariah customers
experienced a poverty reduction rate 2% higher
than non-customers.
Zero Hunger
End hunger, ensure food security External measurement results using panel data
and better nutrition, and support found that customer consumption increased,
sustainable agriculture. with food consumption over the past seven days
rising as follows: bread by 7%, meat by 8%, and
bananas by 27%. This indicates that the longer
a person remains a customer, the higher their
consumption of nutritious food.
Good Health and Well-Being
Ensure healthy lives and promote External research findings indicate that the
well-being for all at all ages. nominal expenditure of customers on cooking fuel
is 1.37 times higher compared to non-financing
customers.
Quality Education
Ensure inclusive and equitable quality As many as 55% of customers reported an
education and promote lifelong improvement in financial literacy after joining
learning opportunities for all. BTPN Syariah. This proportion is higher compared
to the non-customer group, which stands at 19%.
Gender Equality
Achieve gender equality and External measurement results on panel
empower women and girls. respondents show that the women’s autonomy
score increased from 2.54 in 2020 to 2.58 in 2023.
This indicates that the longer a person remains
a customer, the higher the level of women’s
autonomy within a household.
PT Bank BTPN Syariah Tbk
Clean Water and Sanitation
Ensure the availability and sustainable External measurement results indicate that
management of clean water and 90.07% of BTPN Syariah customers have access
sanitation for all. to safe drinking water.
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sustainability report 2024 | sustainability commitment
explanation of the SDGs (Sustainable Development Goals) BTPN Syariah’s achievements
Decent Work and Economic Growth
Support sustainable and inclusive External measurement results indicate that there
economic growth, expand employment has been an increase in customer income after
opportunities, enhance productivity, receiving financing from BTPN Syariah.
and create decent work for all.
Industry, Innovation, and Infrastructure
Membangun infrastruktur tangguh, Promote innovation in digital banking technology,
mempromosikan industrialisasi inklusif including TEPAT Mobile Banking and Internet
dan berkelanjutan, dan mendorong Banking, Sitepat, Terra, and the Bestee platform.
inovasi
Reduced Inequalities
Reduce inequalities within and among BTPN Syariah serves the inclusive communities
countries. in more than 268 thousand communities across
2,650 sub-districts in 26 provinces of Indonesia.
Sustainable Cities and Communities
Build inclusive, safe, resilient, and External measurement results indicate that
sustainable cities and communities. BTPN Syariah customers are able to renovate
their homes and business premises (roof, walls, or
floors), build bathrooms, and install toilets. A total
of 61.21% of BTPN Syariah customers have livable
housing, slightly higher than the national average
of (60.66%).
Climate Action
Take urgent action to combat climate Automating the operational processes of
change and its impacts. Community Officers through the use of tablet-
accessible applications and implementing green
building principles in BTPN Syariah offices.
Partnerships for the Goals
Strengthen implementation and • Partnership with Dagangan through BTPN
revitalize global partnerships for Syariah Ventura to support access to supply
sustainable development. for communities in small towns and rural
areas.
• Collaboration with 2,133 facilitators through
PT Bank BTPN Syariah Tbk
the Kampus Merdeka program, community
institutions, and 461 universities for the Bestee
program.
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04
company
profile
All #bankirpemberdaya work hand in hand,
fulfilling their respective roles and responsibilities
to carry out their mandate, accelerating the
realization of the good will, answering the call of
the soul to empower the inclusive communities,
and fostering sustainable excellent behavior.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | company profile
PT Bank BTPN Syariah Tbk
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about
BTPN Syariah
name [GRI 2-1] year of establishment
1991
PT Bank BTPN Syariah Tbk
The change in the name of the Bank is
effective on June 4, 2020 based on a copy
of the Decree of the Deputy Commissioner effective date of operation
for Banking Supervision I of the Financial as a Sharia Commercial Bank
Services Authority Number KEP-99/
July 14, 2014
PB.1/2020 dated June 4, 2020 concerning
the Determination of the Use of a Business
License in the Name of PT Bank Tabungan
Pensiunan Nasional Syariah Tbk to Become
business activity [OJK C.4] [GRI 2.6]
a License Business on behalf of PT Bank
BTPN Syariah Tbk. Sharia-based banking
head office address & corporate authorized capital
secretary [OJK C.2] [GRI 2-1]
IDR 2,750,000,000,000
(Two Trillion Seven Hundred
Menara SMBC 12th Floor and Fifty Billion Rupiah)
CBD Mega Kuningan
Jl. Dr. Ide Anak Agung Gde Agung
Kav. 5.5-5.6
South Jakarta 12950
Phone : 021 - 300 26 400 issued and fully disposited capital
Facsimile : 021 - 252 0356 (general)
Mail : corsec@btpnsyariah.com
IDR 770,370,000,000
(Seven Hundred Seventy Billion Three Hundred
Seventy Million Rupiah)
shareholders
(as of December 31, 2024) [OJK C.3.c] [GRI 2-1]
PT Bank SMBC Indonesia Tbk (SMBCI) (70.000%)
Public (29.997%)
Treasury Share (0.003%)
legal basis of establishment [GRI 2-1]
• Deed of Establishment of PT Bank Purba Danarta Number 10 dated March 7, 1991, which was
later amended by the Deed of Amendment to the Articles of Association Number 39 dated May
25, 1992, and the Amendment Deed Number 25 dated July 11, 1992, made before Notary H. Abu
PT Bank BTPN Syariah Tbk
Jusuf, S.H.; and
• Deed of Statement of Meeting Resolution of PT Bank Purba Danarta Number 5 dated August
27, 2007, made before Notary Winarti Lukman Widjaja, S.H., regarding the adjustment to Law
Number 40 of 2007 concerning Limited Liability Companies, which has been approved by the
Minister of Law and Human Rights of the Republic of Indonesia on January 18, 2008, number
AHU-02507.AH.01.02. Year 2008, which was published in the State Gazette of the Republic of
Indonesia on March 14, 2008, number 22, Supplement number 3032.
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sustainability report 2024 | company profile
market scope Ticker code
Financing inclusive communities BTPS
throughout Indonesia
sustainability-related
stock performance index
operational area and service network
[OJK C.3] [GRI 2-6]
• ESGS KEHATI Index
• ESGQ KEHATI Index
Having 15 Branch Offices, 30 Functional
Operational Offices, 1 Non-Operational
Functional Office, 14 ATMs, and 1,542
Functional MMS Offices spread across rating
Indonesia.a
Long-Term National Rating: AAA (idn) with a
There are more than 7 million customers (3.8 Stable Outlook
million active), and cover 268.7 thousand
communities spread across 2,650 districts in Affirmed by PT Fitch Ratings Indonesia on
26 provinces in Indonesia. March 7, 2024.
the business entity [GRI 2-2] website and other corporate emails
The business entity included in this report www.btpnsyariah.com
is BTPN Syariah, unless specifically stated corporatecommunications@btpnsyariah.com
otherwise in certain areas. investorrelation@btpnsyariah.com
corscec@btpnsyariah.com
subsidiary
social media
PT BTPN Syariah Ventura
Instagram: @btpnsyariah
https://www.instagram.com/btpnsyariah/
stock exchange Instagram: @bankirpemberdaya.btpns
https://www.instagram.com/bankirpemberdaya.btpns/
Indonesia Stock Exchange
• On April 25, 2018, the public offering Facebook: @btpnsyariah.id
registration of BTPN Syariah was declared https://facebook.com/btpnsyariah.id
effective by the Financial Services
Authority (OJK) Capital Market Supervisor. YouTube: @BTPNSyariah
• On May 3, 2018, BTPN Syariah was https://www.youtube.com/@BTPNSyariah
PT Bank BTPN Syariah Tbk
officially listed on the Indonesia Stock
Exchange. LinkedIn: BTPN Syariah
• On May 8, 2018, Listing and Trading of https://www.linkedin.com/company/btpnsyariah
BTPN Syariah’s Shares Inauguration.
Tiktok: @btpnsyariah
https://www.tiktok.com/@btpnsyariah
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BTPN Syariah
at a glance
Initially BTPN Syariah was established under the Furthermore, in 2009 PT Bank Purba Danarta
name PT Bank Purba Danarta, based on Deed again changed its name to PT Bank Sahabat
of Establishment Number 10 dated March 7, Purba Danarta, then in 2013 it changed its name
1991, then amended by Deed of Amendment to again to PT Bank Tabungan Pensiunan Nasional
Articles of Association Number 39 dated May 25, Syariah. The name change is based on the Deed
1992, and Deed of Amendment Number 25 dated of Amendment to the Articles of Association
July 11, 1992. All three were made in the presence Number 25 dated August 27, 2013 which was
of Haji Abu Jusuf, S.H., notary in Jakarta and has made before Hadijah, S.H., M.Kn., notary in
received approval from the Minister of Justice Jakarta and has received approval from the
of the Republic of Indonesia, as has undergone Minister of Law and Human Rights in Decree No.
several changes and is henceforth referred to as AHU-50529.AH.01.02. 2013 dated October 1, 2013
the Minister of Law and Human Rights of the and has been announced in the State Gazette
Republic of Indonesia (Menkumham) in Decree of the Republic of Indonesia Number 94 of 2013,
Number C2.5839.HT.01.01-TH.92 dated July 21, additionally the State Gazette of the Republic of
1992, which was registered in the general register Indonesia Number 124084 dated November 22,
at the Semarang District Court Registrar’s Office 2013.
on July 30, 1992 under Number 206A/1992/II,
and has been published in the State Gazette BTPN Syariah also changed its domicile from
of the Republic of Indonesia Number 81 dated Semarang to South Jakarta, as based on
PT Bank BTPN Syariah Tbk
October 9, 1992, additional Number 5020 with a the Deed of Shareholder Decision Statement
business license to carry out business activities Number 15 dated October 31, 2013 which was
as a commercial bank obtained based on Decree made before Indah Indriani, S.H., M.Kn., notary
of the Minister of Finance Number 1060/ in Jakarta and was registered with the Ministry
KMK.017/1992 dated October 14, 1992. Law and Human Rights of the Republic of
Indonesia in accordance with the decision and
Approval of Amendments to the Company’s
Articles of Association No. AHU-60408.AH.01.02.
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sustainability report 2024 | company profile
2013 dated November 21, 2013 and receipt of based on Financial Services Authority Letter
Notification of Amendments to the Company’s No. S-17/PB.1/2014 dated June 23, 2014 regarding
Articles of Association Number AHU. AH.01.10- the Application for Approval of the Separation
47895 dated November 12, 2013. (Spin-Off) of UUS BTPN, which was issued
by the Deputy Commissioner for Supervision
On January 20, 2014, the Extraordinary General Banking I Financial Services Authority.
Meeting of Shareholders of PT Bank Tabungan
Pensiunan Nasional Tbk (now called PT BANK BTPN Syariah officially traded its shares on the
BTPN Tbk abbreviated as BTPN) approved Indonesia Stock Exchange on May 8, 2018 with
the separation of the Sharia Business Unit the stock code BTPS.
(hereinafter referred to as UUS BTPN), which
was stated in the Deed of Separation of the On June 4, 2020, the Bank officially changed its
BTPN Sharia Business Unit By way of Transfer of name to PT Bank BTPN Syariah Tbk as based
Rights and Obligations to the Company Number on Deed Number 26, made before Ashoya
8 dated July 4, 2014, made in the presence of, Ratam, S.H., M.Kn., notary in South Jakarta,
Hadijah, S.H., M.Kn., notary in Central Jakarta. which had received approval from the Ministry
In accordance with Bank Indonesia Regulations, of Law and Human Rights of the Republic of
BTPN then chose to separate UUS BTPN by Indonesia based on Letter Number AHU0034666.
transferring all rights and obligations of UUS AH.01.02.TAHUN 2020 dated May 8, 2020,
BTPN to the existing sharia business entity. and Letter of Acceptance of Notification of
Changes to the Articles of Association Number
After the spinoff of UUS BTPN was decided at AHUAH.01.03-0214020 dated May 8, 2020,
the BTPN Extraordinary General Meeting of and has obtained approval for this Bank Name
Shareholders on January 20, 2014 as mentioned Change based on the Letter from the Financial
above, BTPN then carried out the acquisition of Services Authority (OJK) Number S-66/
70% (seventy percent) of the Company’s shares, PB.101/2020 dated June 4, 2020 regarding
after obtaining approval from Bank Indonesia Application for Determination of the Use of a
based on the Letter Bank Indonesia Number Business License due to the Change of Name of
15/10/DPB1/PB1-5/Rahasia dated July 19, 2013 PT Bank Tabungan Pensiunan Nasional Syariah
with the condition that changes be made to Tbk to PT Bank BTPN Syariah Tbk and a Copy
the business activities of PT Bank Sahabat of the Decree of the Deputy Commissioner for
Purba Danarta (now BTPN Syariah) which was Banking Supervision I OJK Number KEP-99/
originally a Conventional Commercial Bank, PB.1/2020 dated June 4, 2020.
changed to a Sharia Commercial Bank.
Since 2010, BTPN Syariah has ardently adhered
Furthermore, PT Bank Sahabat Purba Danarta, to a business model singularly centered on
has obtained approval from the Financial empowering the inclusion segment, commonly
Services Authority to convert business activities referred to as the “unbankable.” Rather than
from previously Conventional Commercial Bank viewing this as a challenge, BTPN Syariah
business activities, to Sharia Commercial Bank perceives it as both an opportunity and a noble
business activities based on Financial Services calling to contribute positively to society.
Authority Letter Number S-67/PB.131/2014 dated
May 23, 2014 regarding the Decision to Grant a The guiding ethos of “do good, do well,” wherein
Business License for Conventional Commercial success is measured not only in financial
PT Bank BTPN Syariah Tbk
Bank Business Activities to Become a Sharia performance but also in genuine social impact,
Commercial Bank issued by the Director of unifies all individuals within BTPN Syariah under
Research, Development, Regulation and Sharia the common identity of #bankirpemberdaya.
Banking Licensing. Bank BTPN then received
approval for the plan to spin off UUS BTPN,
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vision, mission, and
sustainability values [OJK C.1]
The vision, mission, and sustainability values of BTPN
Syariah are reflected in and integrated with the Bank’s
vision, mission, and values, as outlined below.
vision
To be the best Sharia Commercial Bank for financial
inclusion, making a difference in the lives of millions of
Indonesians
mission
Together we create opportunities for growth and a more
meaningful life
values
PRISMA
PRofessionalism,
Integrity,
Mutual ReSpect,
TeaMwork
The Board of Directors and Board of Commissioners have reviewed and ensured the alignment of
BTPN Syariah’s Mission and Vision for 2024 as stated in the Bank Business Plan (RBB) and Sustainable
PT Bank BTPN Syariah Tbk
Financial Action Plan (RAKB) which were proposed by the Board of Directors and approved by the
Board of Commissioners at the Board of Directors and Board of Commissioners meeting on
November 21, 2024 and which has been submitted to the OJK.
Disclosure of the alignment of Mission and Vision is as stated in the Governance Implementation
Report in connection with the Board of Directors’ and Board of Commissioners’ Duties Implementation
Report in this 2024 Sustainabillity Report.
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sustainability report 2024 | company profile
socialization of the company’s
mission, vision, values, and
collective identity
Various active efforts have been made by the Bank to ensure that the
Vision, Mission, and Shared Identity continue to be upheld and implemented,
through:
1. Induction program for all new employees up to executive officer level.
2. Implementation of corporate values and shared identity in every activity.
collective identity
The Shared Identity has been chosen to unite the spirit of all employees in
carrying out the Company’s Mission and Vision.
#bankirpemberdaya is the collective identity that resonates with all BTPN
Syariah employees, encapsulating the diverse roles within banking. These are
the bankers who dedicate themselves to raising funds from welfare groups
and directing them towards empowering underprivileged families. They stand
apart, driven by a deep-seated desire to make a meaningful difference in the
lives of others.
In alignment with the Company’s Mission and Vision, embracing the role
of an #bankirpemberdaya entails wholeheartedly committing to uplifting
productive underprivileged families in Indonesia. #bankirpemberdaya
collaborate seamlessly in their respective functions and duties to fulfill their
mandate to realize good will faster.
PT Bank BTPN Syariah Tbk
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milestone
2008 2010
PT Bank SMBC Indonesia Tbk (formerly known as The Piloting Project Tunas Usaha
PT Bank Pensiunan Nasional Tbk) established a Rakyat, which focuses on serving
Sharia Business Unit customers from productive inclusion
communities, began with three
communities in the Banten and
Pandeglang regions
2020 2019
June 4 July 14
PT Bank Tabungan Pensiunan Nasional PT Bank Tabungan Pensiunan
Syariah Tbk changed its name to PT Bank Nasional Syariah Tbk marked its fifth
BTPN Syariah Tbk, in alignment with the anniversary as a Sharia Commercial
name of its Parent Entity Bank and became the only financial
institution focused on serving
July 7 productive inclusive families
PT Bank BTPN Syariah Tbk upgraded its
classification from Group BUKU 2 to Group
BUKU 3 organically
November 18
PT Fitch Ratings Indonesia raised the Long-
Term National Rating from AA+ (idn) Stable
Outlook to AAA (idn) Stable Outlook
*Corrections to the 2023 Sustainability Report
2021 2022
October 23 May 30
Establishment of the subsidiary company, PT BTPN PT BTPN Syariah Ventura, as a Subsidiary,
Syariah Ventura officially commenced operations
October 30 June 2
PT Bank BTPN Syariah Tbk became a part of the Bank Update of e-channel services, including Tepat
Group based on Core Capital 2 (KBMI 2) according to Mobile Banking and Internet Banking for
the redefined bank classification in accordance with funding customers
POJK No. 12/POJK.03/2023 regarding Commercial
Banks September 30
PT Fitch Ratings Indonesia affirmed the
November 2 National Long-Term Rating at AAA (idn) with
PT Bank BTPN Syariah Tbk
PT Fitch Ratings Indonesia affirmed the National a Stable Outlook
Long-Term Rating at AAA (idn) with a Stable Outlook
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sustainability report 2024 | company profile
2011 2014
The expansion of services for productive July 14
inclusion customers began, covering the PT Bank Tabungan Pensiunan
entire regions of Jakarta, Banten, West Nasional Syariah became the
Java, East Java, Central Java, Sumatra, 12th Sharia Commercial Bank in
and East Nusa Tenggara Indonesia
2018 2017
May 8 November 16
PT Bank Tabungan Pensiunan The status changed from a Closed
Nasional Syariah Tbk officially Company to a Public Company, and
became a public company with the the name was changed from PT
stock code BTPS on the Indonesia Bank Tabungan Pensiunan Nasional
Stock Exchange Syariah to PT Bank Tabungan
Pensiunan Nasional Syariah Tbk
2023 2024
April 14
PT Fitch Ratings Indonesia affirmed the Long-Term March 7
National Rating at AAA (idn) with a Stable Outlook
PT Fitch Ratings Indonesia
June 26 affirmed the Long-Term National
Obtained ISO270001 Information Security Rating at AAA (idn) with a Stable
Management System certification
Outlook
October 26
The Treasury System was officially used as an effort to December 9
automate treasury transaction processes
The Bank received approval as
PT Bank BTPN Syariah Tbk
December 1 a provider of Sharia Financial
Update of e-channel service Tepat Mobile Banking: Institution for Money Wakaf
online opening of savings applications through Tepat
Mobile Recipient (LKSPWU)
August 8
1,821 students from 257 universities were successfully
recruited through the MBKM program for internships
at BTPN Syariah
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business
scale [OJK C.3.a] [GRI 2-6]
period
description unit
2024 2023 2022
Total Revenue IDR million 4,894,273 5,259,749 5,029,350
Third-Party Funds IDR million 11,724,433 12,142,817 12,048,529
Total Liabilities IDR million 12,430,986 12,658,233 12,753,981
Equity IDR million 9,316,594 8,777,133 8,407,995
Total Assets IDR million 21,747,580 21,435,366 21,161,976
Total Employees people 14.425 14.310 12.781
employee
demographics 2024 [OJK C.1.b] [GRI 2-7, 2-8] [GRI 405-1]
number and composition of employees by gender
(company, permanent employees, contract employees)
gender total (people) employee percentage (%)
Male 625 4.33%
Female 13,800 95.67%
Total 14,425 100,00%
number of employees by job level and gender
(company, permanent employees, contract employees)
male female
job level
total employee employee
total (people)
(people) percentage (%) percentage (%)
Entry-level 314 2.18% 12,417 86.08%
Mid-level 273 1.89% 13,65 9.46%
Senior-level 26 0.18% 14 0.10%
Executive-level 12 0.08% 4 0.03%
PT Bank BTPN Syariah Tbk
Total People 625 4.33% 13,800 95.67%
Note:
Entry-level (Staff), Mid-level (Supervisor), Senior-level (Senior Employees, including Executive Officers), Executive-level
(Board of Management, Directors, Board of Commissioners, Sharia Supervisory Board, Independent Committees)
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sustainability report 2024 | company profile
number of employees based on age and gender
(company, permanent employees, contract employees)
position level
age entry-level mid-level senior-level executive-level
total
range
employees
(years) male female male female male female male female
18-25 10 6,600 2 24 0 0 0 0 18
25-35 127 5,349 44 902 0 0 0 0 6,636
35-45 163 441 134 378 8 4 1 1 6,422
45-55 14 27 91 59 17 7 3 1 1,130
>55 0 0 2 2 1 3 8 2 219
Note:
Entry-level (Staff), Mid-level (Supervisor), Senior-level (Senior Employees, including Executive Officers), Executive-level
(Board of Management, Directors, Board of Commissioners, Sharia Supervisory Board, Independent Committees)
number of employees by education level and gender
(company, permanent employees, contract employees)
male female
education level
total employee total employee
(people) percentage (%) (people) percentage (%)
Postgraduate 51 0.35% 35 0.24%
Bachelor 468 3.24% 5,319 36.87%
Diploma 69 0.48% 900 6.24%
High School and Equivalent 37 0.26% 7,546 52.31%
Total 625 4.33% 13,800 95.67%
number of employees by employment status and gender
(company, permanent employees, contract employees)
male female
employment status
total employee total employee
(people) percentage (%) (people) percentage (%)
Permanent Employee 591 4.10% 2,729 18.92%
Contract Employee 34 0.24% 11,071 76.75%
Total 625 4.33% 13,800 95.67%
number of temporary employees
male female
PT Bank BTPN Syariah Tbk
employment status
Total employee total employee
(orang) percentage (%) (people) percentage (%)
Contractor and/or Consultant
0 0 0 0
Employees
Total 0 0 0 0
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operational
area [OJK C.3.d][GRI 2-6]
1
9
19
6
7 16
4 18
2
3 8 17
5
12
10
13
14
15
11
24
25
By December 31, 2024, BTPN Syariah will have served
inclusive communities in 26 provinces in Indonesia.
no area no area no area
Sumatra Java Kalimantan
1 Aceh 10 Banten 16 West Kalimantan
2 Bangka Belitung 11 D.I. Yogyakarta 17 South Kalimantan
3 Bengkulu 12 D.K.I. Jakarta 18 Central Kalimantan
4 Jambi 13 West Java 19 East Kalimantan
5 Lampung 14 Central Java
PT Bank BTPN Syariah Tbk
6 Riau 15 East Java
7 West Sumatra
8 South Sumatra
9 North Sumatra
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sustainability report 2024 | company profile
20
21
23
22
26
no area no area
Sulawesi Bali & Nusa Tenggara
20 Gorontalo 24 Bali
21 West Sulawesi 25 West Nusa Tenggara (NTB)
PT Bank BTPN Syariah Tbk
22 South Sulawesi 26 East Nusa Tenggara (NTT)
23 Southeast Sulawesi
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supply chain
and working partners [GRI 2-6] [GRI 204-1]
In realizing the good will of empowering inclusive competence, adherence to labor regulations, and
communities, BTPN Syariah requires support a willingness for thorough examination at any
from all stakeholders, including various business given juncture. The catalog of BTPN Syariah’s
partners. These include technology partners, collaborative alliances undergoes periodic
suppliers of work necessities, educational and scrutiny and assessment.
training service providers, legal service providers,
notaries, outsourcing providers, and others BTPN Syariah remains steadfast in its
who can collaboratively build a Sharia digital commitment to favor local partners with
ecosystem. proximate geographical proximity to the
company’s operational centers. However, if the
The meticulous selection of work partners by goods or services needed are not available from
BTPN Syariah is guided by the principles of equity local suppliers or partners, the fulfillment of
and transparency. Those chosen to collaborate those needs will be done through work partners
are meticulously enlisted in the Partner in Indonesia.
List, subject to overarching criteria ensuring
2024 2023 2022
procurement procurement procurement
area
total value total value total value
suppliers (in million suppliers (in million suppliers (in million
Rupiah) Rupiah) Rupiah)
Sumatra 81 43,920 43 6,539 52 4,417
Java 261 609,626 344 659,774 346 746,309
Kalimantan 23 4,480 7 868 13 462
Sulawesi 12 548 8 426 7 311
Bali and East
Nusa 16 8,508 17 43,487 14 26,520
Tenggara
Total 393 667,082 419 711,095 432 778,019
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | company profile
products and
services [OJK C.4][GRI 2-6]
funding
Tepat Tabungan
Can be opened without a minimum deposit, with a wadiah yad dhamanah contract.
Customers have the convenience of making transactions at all Bank branches, free of
monthly administration fees.
Tepat Tabungan Platinum
Savings for individual customers (Tepat Tabungan Platinum) and companies (Tepat
Tabungan Platinum Bisnis) which are managed based on a profit-sharing agreement
(akad mudharabah mutlaqah) offer flexibility for unlimited cash withdrawals and free
monthly administration fees (terms and conditions apply) to ensure optimal returns.
Tepat Tabungan Rencana
Planned savings facility, to easily make various dreams come true, with various monthly
deposit and time period options (mudharabah mutlaqah contract).
Tepat Tabungan Syariah
A savings product based on the wadiah yad dhamanah contract provided to Tepat
Pembiayaan Syariah customers. This product is designed to support inclusive finance,
aiming to facilitate and improve the welfare of customers and their families.
Rekening Tabungan Jamaah Haji
Savings product for customers who plan to carry out the Hajj pilgrimage to the Holy
Land. Based on sharia principles with the wadiah yad dhamanah contract, this safe and
secure product has an online connected system with SISKOHAT of the Indonesian
Ministry of Religion.
Tepat Deposito
A deposit product based on a profit-sharing agreement (mudharabah mutlaqah)
between BTPN Syariah (mudharib) and customers as fund owners (shahibul maal),
offering various term options in Indonesian Rupiah.
PT Bank BTPN Syariah Tbk
Tepat Giro
The fund placement product uses a wadiah yad dhamanah contract, providing flexibility
for customers to make transactions using Checks/Bilyet Giro.
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financing
Tepat Pembiayaan Syariah – Kelompok
Financing specifically targeted at productive underprivileged women is conducted based
on a sales agreement (wakalah wal murabahah). Tepat Pembiayaan Syariah-Kelompok
(formerly known as PMD) focuses on developing customers’ character and positive
habits, namely Courage to Strive, Discipline, Hard Work, and Mutual Support (BDKS).
Tepat Pembiayaan Produktif kepada Institusi
Working capital and investment financing aimed at Sharia Finance Companies or
Institutions through sale and purchase contract (murabahah contract), working capital
financing (Musyarakah contract). The Bank synergizes with PT Bank SMBC Indonesia Tbk
as the parent entity to strengthen the application of prudential principles in the process
of channeling financing to Institutional customers.
Tepat Fasilitas Pembiayaan Modal Kerja
kepada Mitra Tepat
With Tepat, Fasilitas Pembiayaan Modal Kerja kepada Mitra Tepat, Mitra Tepat as
agents are provided with convenience in utilizing revolving financing from the Bank
tailored to their specific product needs. The financing facility can be used by customers
to meet the liquidity needs of revolving capital when serving customers who transact
with the Agents or managing inventory capital. This facility is provided using several
contract options, including: (1) Qardh contract for liquidity needs; (2) Murabahah
contract for inventory purchases.
Tepat Pembiayaan Syariah Individu
Tepat Pembiayaan Syariah Individu is financing intended for working capital, investment,
and other needs in accordance with Sharia principles. This product is intended for both
community and non-community customers, with various features tailored to meet
customers’ needs so that they can be utilized effectively.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | company profile
association
membership [OJK C.5] [GRI 2-28]
In line with its vision to become the leading Sharia bank for inclusive finance and to transform the
lives of millions of Indonesians, BTPN Syariah actively adopts various external initiatives in response to
current developments and in support of achieving the SDGs. As of December 31, 2024, BTPN Syariah
has been actively collaborating with various global institutions and associations, both as a member and
as a strategic partner.
list of associations
komite funds
no associate/initiative name purpose
working group contribution
1 PT Kustodian Sentral Efek Mandatory in nature Member IDR 11,100,000
Indonesia (KSEI) Distribute the rights of equity
securities holders in the form
of money and/or securities and
assist in implementing corporate
actions by providing a List of Equity
Securities Holders and Securities
Holders’ KTUR
2 Asosiasi Emiten Indonesia Is an organizational forum for Member IDR 12,000,043
(AEI) BTPN Syariah as a Public Company
3 Indonesia Corporate Is an organizational forum for Member IDR 5,000,000
Secretary Association the corporate secretary of BTPN
(ICSA) Syariah
4 Perhimpunan Bank Swasta Mandatory in nature Member IDR 60,000,000
Nasional (Perbanas) Is an association forum for BTPN
Syariah as a National Private Bank
5 Asosiasi Bank Syariah Mandatory in nature Member IDR 90,000,000
Indonesia (ASBISINDO) Is an association forum for BTPN
Syariah as a Sharia Commercial
Bank in Indonesia
6 Forum Komunikasi Direktur Is a forum for consultation Member IDR 5,000,000
Kepatuhan Perbankan and communication between
(FKDKP) Indonesian Banking Compliance
Directors
7 Dewan Syariah Nasional Is a forum for realizing the Member IDR 36,000,000
(DSN) Majelis Ulama aspirations of Muslims regarding
Indonesia (MUI) the economy from a Sharia
perspective
8 Lembaga Alternatif Is an Alternative Dispute Resolution Member IDR 17,500,000
Penyelesaian Sengketa institution that is professional, fair,
Sektor Jasa Keuangan trustworthy, and the first choice for
(LAPS SJK) customers and banks in resolving
banking disputes
PT Bank BTPN Syariah Tbk
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list of associations
komite funds
no associate/initiative name purpose
working group contribution
9 Forum Komunikasi Industri Is a means of communication Member IDR 18,000,000
Jasa Keuangan (FK-IJK) forum for coordination between (For South
the Financial Services Industry and Kalimantan, East
Regulators Nusa Tenggara,
South Sulawesi,
and North
Sumatra)
10 Asosiasi Sistem Is an organization that represents Member IDR 35,000,000
Pembayaran Indonesia all payment system players and
(ASPI) is a partner of Bank Indonesia
in realizing Bank Indonesia’s
objectives in carrying out the task
of regulating and maintaining the
smooth running of the payment
system
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | company profile
significant changes in
issuers and public companies [OJK C.6] [GRI 2-6]
1. The SMBC Financial Conglomerate (“KK SMBC”) became effective again in July 2024, where BTPN
Syariah, along with 2 (two) subsidiaries of SMBCI, namely PT Oto Multiartha and PT Summit Oto
Finance, became Member Entities with SMBCI as the Main Entity. As a result of the formation of
KK SMBC, an Independent Commissioner and a member of the Sharia Supervisory Board were
appointed as members of the Integrated Governance Committee; and
2. On November 18, 2024, there was a change in the correspondence address of the Head Office due
to the name change of the building from Menara BTPN to Menara SMBC. This change is a follow-
up to the change in the name of the parent entity of the Bank, from PT BANK BTPN Tbk to PT Bank
SMBC Indonesia Tbk, effective October 2, 2024.
PT Bank BTPN Syariah Tbk
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05
sustainability
governance
BTPN Syariah manages the Bank with
transparency, accountability, responsibility, and
a strong emphasis on professionalism while
upholding fairness comprehensively. These best
efforts are expected to serve as the foundation
for the Bank in building sustainable excellent
behavior.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
PT Bank BTPN Syariah Tbk
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implementation of sustainability governance
Continuing its commitment to supporting the The governance structure at BTPN Syariah
Government and Financial Services Authority’s consists of Main and Supporting Bodies,
program to accelerate the development of the established in accordance with Law Number
Sharia economy, BTPN Syariah consistently 40 of 2007 on Limited Liability Companies. A
integrates Environmental, Social, and detailed explanation of this structure can be
Governance (ESG) aspects into its product and found in the 2024 Annual Report.
service development processes to align with
Sustainable Finance objectives, which include: To support the implementation of sustainable
1. Efforts to drive value creation opportunities finance, the Bank has established a Sustainability
through product innovation and better Task Force. This task force is responsible for
anticipation of future trends; ensuring comprehensive internal coordination
2. Implementation of improved risk and oversight of the Bank’s plans outlined in the
management and more optimal capital Sustainable Finance Action Plan (RAKB). The
allocation based on awareness of ESG issues, Sustainability Task Force reports directly to the
such as environmental and social challenges; Board of Directors, and the progress of RAKB
3. Acting as a catalyst for organizational implementation is regularly discussed in Board of
change. Directors meetings. [GRI-2-13]
BTPN Syariah consistently implements
Board of Directors
sustainability initiatives in accordance with the
Sustainable Finance Action Plan (RAKB) while
adhering to the principles of Good Corporate Sustainability Task Force
Governance (GCG). We understand that strong
governance enhances the Bank’s resilience Managing Director
and competitiveness. Therefore, BTPN Syariah
manages the Bank with greater transparency, Chairman
accountability, responsibility, and professionalism
while upholding fairness comprehensively.
Vice Chairman
These efforts are expected to serve as the
foundation for the Bank to remain steadfast in Secretary
its aspiration of “fostering sustainable excellent
behavior.” Member
• DAYA Division
• Financing Business Planning & Support Division
governance structure [GRI 2-9] • Financial Control & Analytics Division
• Corporate Secretary & General Counsel Division
A good governance structure is essential for the • Corporate & Marketing Communication Division
Bank to identify and manage risks while ensuring • Funding & New Business Planning & Support Division
that every opportunity and strategic plan is • Information Technology Division
implemented in a measurable, supervised, and • Operations Division
sustainable manner, both now and in the future. • Human Capital Division
• Risk Management Division
• Business Development Division
• Compliance Division
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
person in charge of sustainable finance implementation
sustainability task force [OJK E.1]
In line with the Bank’s commitment to sustainability as outlined in the RAKB, the establishment of the
Task Force at BTPN Syariah was officially carried out through the Circular Resolution of the Board
of Directors No. 013/CIR/DIR/XI/2020 dated November 23, 2020, regarding the Board of Directors’
Approval for the Establishment of the Sustainability Task Force at PT Bank BTPN Syariah Tbk.
The Task Force receives full support from the Board of Directors, with two Board members actively
involved as advisors leading the Sustainability Task Force. The Sustainability Task Force is responsible
for implementing RAKB programs in accordance with BTPN Syariah’s conditions and capabilities. [GRI
2-12]
duties and responsibilities of the • Corporate & Marketing Communication
Division
sustainability task force [GRI 2-13]
• DAYA Division
Guided by Financial Services Authority • Financial Control & Analytics Division
Regulation (POJK) No. 51/POJK.03/2017 dated • Corporate Secretary & General Counsel
July 18, 2017, concerning the Implementation of Division
Sustainable Finance for Financial Institutions, • Financing Business Planning & Support
Issuers, and Public Companies, the Board Division
of Directors has defined the duties and • Funding & New Business Planning & Support
responsibilities of the Sustainability Task Force at Division
BTPN Syariah for 2024, which include: • Information Technology Division
• Assisting the Board of Directors in preparing • Operations Division (Transaction Services and
the Sustainable Finance Action Plan (RAKB) Corporate Services)
and the Sustainability Report (LK), both of • Human Capital Division
which must be approved by the Board of • Risk Management Division
Commissioners; • Business Development Division
• Conducting Sustainability Task Force • Compliance Division
meetings according to the annual plan;
• Contributing to sustainable development The members of the Sustainability Task Force at
in social, environmental, and governance BTPN Syariah come from diverse backgrounds
aspects to enhance the quality of life and and expertise. Each member shares a strong
the environment, benefiting the Bank, local mission, vision, and passion for ensuring the
communities, and society at large; Bank’s business sustainability aligns with
• Supervising and committing to integrating sustainable development goals. This diverse
Sustainable Finance Implementation into composition allows for valuable insights and
business activities in accordance with ideas from different perspectives to support
the Bank’s conditions, while adhering to the effective implementation of sustainability
the principles outlined in POJK No. 51/ strategies.
POJK.03/2017 dated July 18, 2017.
BTPN Syariah conducts regular reviews of the
implementation of sustainability Sustainability Task Force membership dynamics
to uphold the spirit of sustainability within the
task force membership
PT Bank BTPN Syariah Tbk
Bank. In 2024, the Board of Directors approved
The membership structure of the Sustainability changes to the Sustainability Task Force
Task Force at BTPN Syariah is fully supported membership, taking into account the latest
by various divisions and employees who organizational structure, as well as the Bank’s
demonstrate a strong commitment to managing strategy and complexity.
environmental, social, and governance (ESG)
aspects, consisting of:
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There are 2 (two) members of the Board of sustainability task force meeting
Directors who act as Advisors. These two
[GRI 2-16]
Directors oversee the implementation of the
Sustainability Task Force’s duties in executing the Throughout 2024, the Sustainability Task
RAKB programs. Force has followed up on the Sustainable
Finance Action Plan (RAKB) and fulfilled its
The Board of Directors’ supervision ensures oversight responsibilities regarding the Bank’s
that the implementation of RAKB programs commitments. The Sustainability Task Force
aligns with the Bank’s strategic direction has conducted three (3) internal coordination
and risk appetite. Additionally, the Board of meetings.
Directors and the Board of Commissioners
discuss the effectiveness of risk management Additionally, the Task Force has also held
implementation on ESG (Environmental, Social, coordination meetings with the Parent Entity
and Governance) topics through corporate regarding sustainability initiatives within the
meetings related to the approval of the RAKB SMBC Financial Conglomerate Group.
and the Sustainability Report each year. [GRI 2-12]
sustainability task force coordination meeting in 2024
no meeting date discussion topics
Strengthening the Membership of the Sustainability Task Force for the
1 August 16, 2024
Preparation of RAKB 2025-2029
2 October 29, 2024 Kick-Off for the Preparation of the 2024 Sustainability Report
3 November 11, 2024 Submission of RAKB 2025-2029 to the Sustainability Task Force
sustainability task force coordination meeting with parent entity in 2024
no meeting date discussion topics
1 September 27, 2024 Sustainability Workshop
general meeting of shareholders
The General Meeting of Shareholders (GMS) is the highest governing body of a Limited Liability
Company. This entity holds rights and authorities that are not possessed by the Board of Directors and
the Board of Commissioners, within the limits determined by the Limited Liability Company Law and
the Articles of Association of BTPN Syariah.
The GMS serves as a forum for shareholders to make important decisions regarding the Bank’s policies,
in accordance with the provisions of the Articles of Association and applicable laws and regulations.
In line with these provisions, the GMS cannot intervene in the duties, functions, and authorities of the
Board of Commissioners and the Board of Directors, while still maintaining its right to exercise its
authority in accordance with the Articles of Association and prevailing regulations.
PT Bank BTPN Syariah Tbk
As stipulated in the Articles of Association, BTPN Syariah upholds the rights and responsibilities of
shareholders along with their inherent obligations.
Each year, BTPN Syariah holds at least one Annual GMS, and when necessary, it may convene an
Extraordinary GMS. BTPN Syariah conducted one Annual GMS and did not hold any Extraordinary
GMS.
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sustainability report 2024 | sustainability governance
GMS implementation in 2024 BTPN Syariah is committed to consistently
providing fair and equal treatment to all
The 2024 Annual General Meeting of shareholders, whether individual or corporate,
Shareholders (AGMS) was held on March 20, both those attending and those represented
2024, and its implementation complied with the at the 2024 Annual General Meeting of
procedures and regulations in accordance with Shareholders (AGMS).
the Articles of Association and applicable laws.
This commitment is realized through the
To ensure equal opportunities for all shareholders availability of easily accessible supporting
to exercise their rights, BTPN Syariah once again documents for the AGMS, ensuring that
conducted the AGMS electronically (e-AGMS), shareholders can fully exercise their rights. This
which included electronic proxy authorization includes:
(e-Proxy) and electronic voting (e-Voting). • Availability of the eASY.KSEI facility
• Provision of proxy authorization to an
The 2024 AGMS was attended by all members Independent Party at no cost
of the Board of Commissioners, the Sharia • Sufficient time for shareholders to grant
Supervisory Board, and the Board of Directors, proxy authorization
both in person and via video teleconference. • Availability of adequate, complete, and timely
AGMS materials
board of commissioners
The Board of Commissioners at BTPN Syariah is a governing body of the Bank, appointed and
approved through the General Meeting of Shareholders (GMS) based on recommendations from the
Nomination and Remuneration Committee. Members must meet the requirements of the Fit and
Proper Test conducted by the Financial Services Authority (OJK).
The term of office for the Board of Commissioners at BTPN Syariah is 3 (three) years and may be
renewed.
As a corporate body, the Board of Commissioners operates collectively, meaning that no individual
member can act independently; all decisions are made collectively by the Board. Their main function
is to conduct general and/or specific supervision in accordance with the Articles of Association and
to provide advice to the Board of Directors in managing the Bank based on the principles of Good
Corporate Governance.
All members of the BTPN Syariah Board of Commissioners meet the requirements regarding number,
composition, criteria, and independence as stipulated by applicable regulations.
composition of board of The composition of the Board of Commissioners
at BTPN Syariah is determined by considering
commissioners [GRI 2-9] [GRI 2-10]
the bank’s complexity and needs, as well as
Throughout 2024, there were no changes in the being based on banking knowledge, expertise,
composition of the Board of Commissioners. professional experience, and background to
As of December 31, 2024, the Board of support the effective execution of the Board’s
Commissioners at BTPN Syariah consisted of duties. This is done without discrimination based
PT Bank BTPN Syariah Tbk
4 (four), members, 3 (three) of whom were on gender, ethnicity, race, or religion. Regarding
Independent Commissioners. Their term of diversity in the composition of the Board of
office extends until the conclusion of the Annual Commissioners, 1 (one) member is a woman.
General Meeting of Shareholders (AGMS) in [GRI 405-1]
2026, subject to any changes that may occur
before the end of their tenure.
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the composition of the Board of Commissioners of BTPN Syariah as of december 31, 2024
financial services effective date of
no name position gender
authority approval appointment
President Commissioner/ February 24, 2014
1 Kemal Azis Stamboel Male May 22, 2014
Independent (KEP-8/D-03/2014)
Independent April 23, 2023
2 Mulya Effendi Siregar Male April 17, 2023
Commissioner (KEPR-19/D.03/2023)
Independent February 24, 2014
3 Dewie Pelitawati Female May 22, 2014
Commissioner (KEP-9/D-03/2014)
August 25, 2022
4 Ongki Wanadjati Dana Commissioner Male October 23, 2022
(KEP-129/D-03/2022)
the independence of the members 1. The Board of Commissioners must ensure
of the Board of Commissioners who he implementation of Good Corporate
Governance (GCG) in all of the Bank’s
are Independent Commissioners business activities at all levels of the
[GRI 2-15] organization, including but not limited to
The members of the Board of Commissioners integrated governance within the financial
at BTPN Syariah who are Independent conglomerate;
Commissioners have met the independence 2. The Board of Commissioners is responsible for
requirements, as evidenced by not having overseeing the policies and management of
financial, managerial, share ownership, and/or the Bank by the Board of Directors, providing
family relationships up to the second degree with advice to the Board of Directors, and being
other members of the Board of Commissioners, accountable for this oversight, in accordance
members of the Board of Directors, and/or with the Bank’s objectives as stipulated in
Controlling Shareholders or other relationships applicable laws and regulations, the Articles
that could naturally affect their ability to act of Association, and the resolutions of the
independently. General Meeting of Shareholders (GMS);
3. Oversight of the implementation of the
The Independent Commissioners, who have been Bank’s Business Plan, Corporate Plan, and
appointed as members of the Audit Committee Sustainable Finance Action Plan (“Bank
for more than two terms, have declared their Plan”), whereby the Board of Commissioners
continued independence and this is stated in the shall:
Declaration of Independence letter and the a. Supervise the Bank’s obligations in
documents have been properly managed. preparing, revising, and/or implementing
corrective actions for the Bank Plan;
All Independent Commissioners at BTPN b. Evaluate the Bank Plan, its revisions, and/
Syariah are not former members of the Board or updates prepared by the Board of
of Directors or Executive Officers of the Bank Directors;
or parties with relationships with the Bank that c. Approve the Bank Plan, including any
could affect their ability to act revisions and/or updates prepared by the
independently. Board of Directors;
d. Oversee the implementation of the Bank
duties and responsibilities of the Plan to address potential obstacles and
submit an Oversight Report in accordance
board of commissioners [GRI 2-11]
PT Bank BTPN Syariah Tbk
with applicable regulations;
The duties, responsibilities, and authorities of
the members of the Board of Commissioners Details regarding the duties, responsibilities,
at BTPN Syariah are regulated in the Board of and authorities of the Board of Commissioners
Commissioners’ Code of Conduct and Work can be found in the Board of Commissioners’
Guidelines, which include: Code of Conduct and Work Guidelines, which are
available on the Bank’s website.
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sustainability report 2024 | sustainability governance
realization of the duties and responsibilities of the board of
commissioners in 2024
Throughout 2024, the Board of Commissioners, with the support of the Board of Commissioners’
Committee, carried out its supervisory responsibilities over the Bank’s management and operations,
including providing recommendations and advice to the Board of Directors and ensuring the
implementation of GCG principles and compliance with Sharia Governance.
The fulfillment of the Board of Commissioners’ supervisory duties in 2024 includes, among others:
1. Implementation of Sustainable Financial d. The Board of Commissioners, in
Actions collaboration with the Board of Directors,
a. The Board of Commissioners support the announced the implementation of
implementation of sustainable finance initiatives under the 2024 RAKB to the
in accordance with POJK Number 51/ shareholders on The Annual General
POJK.03/2017 and POJK 17 of 2023 Meeting of Shareholders held in 2024.
on Commercial Banks’ Governance
Implementation in the Context of 2. Vision and Mission Alignment
Sustainable Financial Actions. This is In compliance with Good Corporate
intended to provide a concrete and Governance principles, the Board of
positive contribution to the stability of Commissioners has reviewed the alignment
Indonesia’s financial system. By approving of the Bank’s Vision and Mission with its
the Board of Directors’ policies, the business strategies and initiatives on an
Board of Commissioners commits to annual basis.
assisting the Government in achieving
sustainable development that maintains The Bank’s Vision, Mission, and Core Values
economic stability and promotes inclusivity are still regarded relevant, as described in
by balancing economic, social, and the 2024-2026 Bank Business Plan (RBB),
environmental factors, as outlined in the the proposed 2025-2027 RBB, the 2020-2024
2024 Sustainable Finance Action Plan Sustainable Finance Action Plan (RAKB)
Indicators; - 2024 Indicators, and the proposed 2025-
b. The Bank remains committed to 2029 RAKB - 2025 Indicators. The Board of
implementing sustainable financial action Commissioners approved these alignments
strategies in its business operations and during a joint meeting with the Board of
investment strategies by integrating Directors on November 11, 2024.
environmental, social, and governance
(ESG) values. This continued commitment 3. Supervisory Compliance on Bank Business
is evident in the Bank’s strategic initiative Development
reformulation, which establishes a The Board of Commissioners has supervised
sustainability basis in accordance with the the Board of Directors regarding the
2025-2029 RAKB (Sustainable Finance realization of the Bank’s business plan
Action Plan), which was adopted by the throughout 2024, including oversight of the
Board of Commissioners and submitted to implementation of the sustainable finance
regulators in 2024; action plan. Additionally, it has provided
c. The Board of Commissioners has approved guidance and evaluated the execution of the
the implementation of sustainability Board of Directors’ policies in accordance
PT Bank BTPN Syariah Tbk
initiatives based on environmental, social, with regulations, the articles of association,
economic, and governance criteria, as and resolutions of the General Meeting of
indicated in the 2023 Sustainability Shareholders (GMS).
Report, which has been presented to
stakeholders in 2024; dan
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In business development, the Board of Strengthening, Infrastructure Strengthening,
Commissioners has conducted a review of Community, and the implementation of
the effectiveness of Key Strategic Initiatives synergy for business development as part of
in 2024, including the fulfillment of the the Financial Conglomerate.
Bank’s commitments to the Government,
Shareholders, Good Corporate Governance, Details regarding the realization of the
Customer Service Enhancement, Personal duties and responsibilities of the Board of
Data Protection Policy, Operational Commissioners can be found in the 2024
Development, Information Security System Annual Report.
sharia supervisory board
The Sharia Supervisory Board at BTPN Syariah is a Bank Organ appointed and approved through the
General Meeting of Shareholders (GMS), taking into account recommendations from the National
Sharia Board of the Indonesian Ulema Council (DSN-MUI) and the Nomination and Remuneration
Committee, and must meet the requirements of passing the Fit and Proper Test by the Financial
Services Authority (OJK).
The Sharia Supervisory Board holds a position equivalent to the Board of Commissioners and is
responsible for providing advice and recommendations to the Board of Directors while overseeing the
Bank’s activities to ensure compliance with Sharia Principles.
All members of the Sharia Supervisory Board at BTPN Syariah meet the required number, composition,
criteria, and independence in accordance with applicable regulations.
composition of the sharia supervisory board members
During 2024, there will be no changes to the composition of the Sharia Supervisory Board (DPS),
thus as of December 31 2024, the Sharia Supervisory Board (DPS) at BTPN Syariah consists of two
members, with one member appointed as the Chairman of the DPS.
The composition of the DPS is determined by considering the complexity and needs of the Bank. It is
based on knowledge of Sharia banking, expertise, professional experience, and background to support
the execution of DPS duties.
composition of BTPN Syariah sharia supervisory board as of december 31, 2024
approval of the effective
date of
no name positions gender financial services date of
appointment
authority appointment
Chairman of
the Sharia June 13, 2017
1 H. Ikhwan Abidin, MA Male Marc 6, 2017 June 13, 2017
Supervisory (SR-25/PB.13/2017)
Board
Member
of Sharia May 2, 2017
PT Bank BTPN Syariah Tbk
2 H. Muhamad Faiz, MA Male Marc 6, 2017 June 2, 2017
Supervisory (SR-25/PB.13/2017)
Board
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sustainability report 2024 | sustainability governance
sharia supervisory board 1. Compliance with the Sharia Supervisory
Board’s Work Guidelines and Rules of
independence
Procedure, Articles of Association, and Legal
As of December 31, 2024, all members of the Provisions as well as General Meeting of
Sharia Supervisory Board (DPS) at BTPN Syariah Shareholders Resolutions
have met the independence requirements, Throughout 2024, the DPS has been fully
as evidenced by the absence of financial, responsible for supervising the Bank in
managerial, share ownership, and/or family accordance with the DPS Work Guidelines
relationships up to the second degree with fellow and Rules of Procedure, Articles of
members of the Sharia Supervisory Board, the Association, applicable legal provisions, and
Board of Commissioners, members of the Board the resolutions of the General Meeting of
of Directors, and/or Controlling Shareholders, Shareholders, carried out in good faith and
or any other relationships that could naturally with prudence.
affect their ability to act independently.
2. Alignment of Vision and Mission
roles and responsibilities of the In line with the implementation of Good
Corporate Governance principles, the DPS
sharia supervisory board
has reviewed the alignment of the Bank’s
The duties, responsibilities, and authorities of the Vision and Mission with its business plans and
members of the Sharia Supervisory Board (DPS) initiatives each year.
at BTPN Syariah are regulated in the DPS Work
Guidelines and Rules of Procedure, which include: 3. Implementation of Sharia Governance
1. Supervising, in the interest of the Bank, the through the Work Relations Pattern of
policies and management carried out by the the Sharia Supervisory Board, Board of
Board of Directors to ensure compliance Commissioners, and Board of Directors
with Sharia Principles and being accountable The DPS has carried out its duties and
for such supervision, as well as providing functions to ensure that the Bank’s activities
advice to the Board of Directors, including comply with Sharia principles. Throughout
issuing Sharia opinions related to the Bank’s 2024, the Board of Directors has supported
activities; and the DPS in fulfilling its responsibilities by
providing accurate, relevant, and timely data
2. Supervising, in the interest of the Bank, the and information, ensuring the availability and
policies and management carried out by the adequacy of internal reporting backed by a
Board of Directors to ensure compliance sufficient management information system,
with Sharia Principles and being accountable and providing the necessary facilities and
for such supervision, as well as providing infrastructure to support DPS operations.
advice to the Board of Directors, including Additionally, the Board of Directors has
issuing Sharia opinions related to the Bank’s followed up on recommendations from DPS
activities. supervision in 2024.
Details regarding the duties, responsibilities, Throughout the year, the DPS has coordinated
and authorities of the Sharia Supervisory Board and provided consultation and opinions to
(DPS) can be found in the DPS Work Guidelines the Sharia compliance function, Sharia risk
and Rules of Procedure, which are available on management function, and Sharia internal
the Bank’s website. audit function, both through DPS meetings
and other agreed-upon mechanisms.
realization of the tasks and
PT Bank BTPN Syariah Tbk
The DPS has also provided advice and
responsibilities of the sharia
recommendations to the Board of Directors,
supervisory board in 2024 which have been documented through
Details on the realization of DPS duties and DPS Opinions and Approvals on the Bank’s
responsibilities can be found in the 2024 Annual products and activities in 2024.
Report:
Details on the realization of DPS duties and
responsibilities can be found in the 2024 Annual
Report.
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board of directors
The Board of Directors at BTPN Syariah is a Bank organ appointed and approved through the General
Meeting of Shareholders (RUPS), taking into account recommendations from the Nomination and
Remuneration Committee. They are also required to pass the Fit and Proper Test conducted by the
Financial Services Authority (OJK). The term of office for the Board of Directors at BTPN Syariah is
three (3) years and can be reappointed.
The Board of Directors is an authorized organ fully responsible for managing the Bank’s operations in
the best interest of the Bank, both in and outside the court, in accordance with the Bank’s objectives
and purposes. They also represent the Bank as per the Articles of Association.
All members of the Board of Directors at BTPN Syariah have met the required number, composition,
criteria, and independence standards in accordance with applicable regulations.
composition of the board of The composition of the Board of Directors at
BTPN Syariah is determined by considering the
directors [GRI 2-9]
complexity and needs of the Bank. It is based
During the year 2024, there were no changes in on banking knowledge, expertise, professional
the composition of the Board of Directors, so as experience, and background to support the
of December 31, 2024, the Board of Directors at effective execution of the Board’s duties, without
BTPN Syariah consists of 5 (five) individuals, each discrimination based on gender, ethnicity, race,
serving until the closing of the Annual General or religion. Regarding diversity in the composition
Meeting held in 2026, subject to any changes of the Board of Directors, there is 1 (one) female
that may occur before the end of their term. Director. [GRI 405-1]
the composition of the Board of Directors of BTPN Syariah as of december 31, 2024
financial services date of effective date
no name position gender
authority approval appointment of appointment
April 3, 2020
1 Hadi Wibowo President Director Male April 16, 2020 April 16, 2020
(KEP-41/D.03/2020)
Director of
Compliance August 22, 2017
2 Arief Ismail Male March 6, 2017 August 22, 2017
cum Corporate (KEP-69/D.03/2017)
Secretary
May 20, 2020
3 Fachmy Achmad Director Male April 16, 2020 May 27, 2020
(KEP-58/D-03/2020)
April 16, 2020
Dwiyono Bayu February 26, 2021
4 Director Male (revised date April 21, 2021
Winantio (KEP-32/D.03/2021)
April 21, 2021)
March 10, 2023
5 Dewi Nuzulianti Director Female April 21, 2020 April 12, 2023
(KEPR-2/D.03/2023)
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
board of directors independence 3. Regarding the Bank’s Business Plan,
Corporate Plan, and Sustainable Finance
The President Director of BTPN Syariah is Action Plan (“Bank Plan”), the Board of
an independent party with respect to the Directors is required to:
Controlling Shareholder and does not have a. Develop plans, including improvements
financial, managerial, share ownership, and/ and/or corrective actions based on test
or family relationships with other members of results;
the Board of Directors, members of the Board b. Ensure the accuracy and completeness of
of Commissioners, members of the Sharia data, information, and/or documents as
Supervisory Board (DPS), and/or the Controlling mentioned in point a;
Shareholder, including the ultimate Controlling c. Submit the plans, improvements, and/or
Shareholder, and/or any relationship with updates to the Board of Commissioners
the Bank that could affect their ability to act for approval;
independently. d. Submit the plans, improvements, and/
or carry out corrective actions within the
As of December 31, 2024, all members of the specified timeframe;
Board of Directors of BTPN Syariah do not have e. Implement the plans to address potential
financial, managerial, share ownership, and/ obstacles.
or family relationships up to the second degree
with fellow members of the Board of Directors, Details regarding the duties, responsibilities,
members of the Board of Commissioners, or and authorities of the Board of Commissioners
members of the DPS, as well as the Controlling can be found in the Board of Commissioners’
Shareholder. Code of Conduct and Work Guidelines, which are
available on the Bank’s website.
All members of the Board of Directors of BTPN
Syariah do not own shares amounting to 5% realization of the tasks and
or more in the Bank or in other banks and
responsibilities of the board of
companies, both domestically and internationally.
They also do not have financial or family
directors in 2024
relationships with the Controlling Shareholder, Throughout 2024, the Board of Directors,
members of the Board of Commissioners, and/ supported by the Board Committees, has
or other members of the Board of Directors, undertaken the management and operational
as stated in the GCG implementation report responsibilities of the Bank, including ensuring
in accordance with corporate governance the implementation of GCG principles and
regulations for Sharia Commercial Banks. compliance with Sharia Governance.
the duties and responsibilities of the The fulfillment of the Board of Directors’
supervisory duties in 2024 includes:
board of directors [GRI 2-11]
1. Implementation of Sustainable Finance
The duties, responsibilities, and authorities of Actions:
the Board of Directors of BTPN Syariah are a. A representative from the Board of
regulated in the Board of Directors’ Code of Directors has directly supervised the
Conduct and Work Guidelines, which include: implementation of sustainable finance
1. The Board of Directors must implement actions at BTPN Syariah;
Good Corporate Governance (GCG), b. The Board of Directors has prepared,
risk management, and compliance in an approved, and submitted the 2025-2029
integrated manner, aligned with the latest Sustainable Finance Action Plan to the
PT Bank BTPN Syariah Tbk
banking ecosystem developments, and OJK in 2024;
supported by digitalization and technological c. The Board of Directors has ensured that
innovation across all levels of the sustainable initiatives are assessed from
organization; environmental, social, economic, and
2. The Board of Directors must be accountable governance aspects, as outlined in the
for fulfilling its obligations to shareholders 2023 Sustainability Report, which was
through the General Meeting of Shareholders submitted to stakeholders in 2024;
(GMS);
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d. The Board of Directors has communicated (KPI) to facilitate the monitoring of the
the implementation of initiatives for Bank’s performance, both qualitatively
the 2024 RAKB to the Shareholders at and quantitatively, throughout 2024. The
the 2024 Annual General Meeting of Board of Directors is also actively involved
Shareholders. in overseeing the implementation of various
programs empowerment programs, including
2. Alignment of Vision and Mission direct discussions with selected community
In line with the implementation of Good officers to gain in-depth insights into the
Corporate Governance principles, the Board implementation of fieldwork.
of Directors has conducted a review of the
alignment between the Bank’s Vision and 4. Support for the Government, including:
Mission with its business plans and initiatives a. The Board of Directors continues its policy
each year. of enhancing customer engagement
through the Daya Digital Platform, which
The alignment of the Bank’s Vision, Mission, was developed in 2023, and continues
and Core Values is considered to remain collaboration with universities and the
relevant as stated in the Bank Business Plan Government in the Merdeka Belajar
(RBB) for 2024-2026, the submission of the Kampus Merdeka (MBKM) Program.
RBB for 2025-2027, and the Sustainable b. The Bank provides opportunities for
Finance Action Plan (RAKB) for 2020-2024 students to participate in empowerment
(2024 indicators), as well as the submission efforts by offering one-on-one assistance
for 2025-2029 (2025 indicators). These to financing customers. The purpose
alignments were approved in the Board of this assistance is to help customers
of Directors meeting with the Board of and their families develop the ability to
Commissioners on November 11, 2024. achieve a better quality of life, fostering
a sustainable relationship between
3. Role of the Board of Directors in relation to customers and the Bank.
Strategic Policies c. Collaboration with the Ministry of
The Board of Directors has developed Education, Culture, Research, and
strategies and ensured the implementation Technology (Kemendikbudristek). In
of Key Strategic Initiatives (KSI) in 2024. line with compliance with POJK No. 76/
These strategic policies have been outlined in POJK.07/2016 regarding the Enhancement
the Bank Business Plan and the Sustainable of Financial Literacy and Inclusion in
Finance Action Plan after undergoing an in- the Financial Services Sector, aimed
depth review in Board of Directors meetings. at expanding and improving customer
services—particularly for financing
This review also includes an evaluation customers to gain financial literacy—
of business targets, budgets, and risks, the Board of Directors has approved
ensuring alignment between the Bank’s the continuation of cooperation
strategy, budget, and risk appetite. All with Kemendikbudristek for the
stages of this process are carried out with a implementation of the Certified Internship
prudent approach and the implementation and Independent Study Program (MSIB),
of comprehensive risk management to which is one of the initiatives under the
formulate strategic recommendations with MBKM policy. The total number of funded
clear priorities. internship students throughout 2024 is
2,126 students.
PT Bank BTPN Syariah Tbk
In line with the year-over-year d. Continuing collaboration with the National
implementation of KSI, the Board of Directors Committee for Sharia Economy and
has established Key Performance Indicators Finance (KNEKS) regarding the Free
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sustainability report 2024 | sustainability governance
Halal Certification Assistance Training shareholders, and stakeholders others
Program (SEHATI) for Micro and Small related to the bank, in accordance with
Business Owners in 2023, the Board of the provisions of Law No. 27 of 2022 on
Directors has approved a collaboration Personal Data Protection in Indonesia,
with the Halal Inspection Agency (LPH) Bank Indonesia Regulation No. 3 of
and the Halal Product Assistance Training 2023 on Consumer Protection by Bank
Institution (LP3H) of Edukasi Wakaf Indonesia, and OJK Regulation No. 22 of
Indonesia (EWI) for activities related to 2023 on Consumer and Public Protection
the registration and issuance of halal in the Financial Services Sector.
certification for BTPN Syariah financing
customers, training for halal product 6. Fulfillment of Commitments to the
process assistants, and joint assistance in Community, including:
halal certification. a. The Board of Directors utilizes social
impact measurement as an evaluation
5. Fulfillment of Commitments to Business tool for improving products and services
Development of the Bank and to Customers, in 2024. The Bank has strengthened the
including: measurement of customer well-being
a. Financing Customers: using a scorecard-based assessment tool
The Board of Directors has developed developed based on the latest National
various corporate social responsibility Socioeconomic Survey (SUSENAS) data.
policies for development programs, This measurement tool was designed in
ensuring the availability of infrastructure collaboration with credible institutions
development programs, service feature to provide accurate and relevant results,
enhancements tailored to the needs particularly in the context of microfinance
of financing customers and their institutions.
surrounding communities, as well as b. The Board of Directors has approved
the implementation of financial literacy development programs for communities
education programs. Additionally, the with potential for further growth
Bank continues to provide ongoing in entrepreneurship, health, and
assistance and empowerment programs environmental sectors. Additionally,
to foster a positive mindset in maintaining the Bank has facilitated access to new
business sustainability and social life while markets, both online and offline, through
reinforcing customer discipline through customer assistance programs that
exemplary BDKS behavior in 2024. provide training in digital marketing
b. To Funding Customers: literacy. This initiative aims to enhance the
The Board of Directors has ensured competitiveness of customer-produced
improvements in internal policies and products against other local products,
procedures, including enhancements to ultimately increasing their income
Internet Banking and Mobile Banking capacity.
services, which have been active for c. The Board of Directors has continued its
the past two years and continue to be collaboration with universities and the
developed in 2024. government through the MBKM Program.
c. To Institutional Customers: This initiative offers opportunities
The Board of Directors has approved the for students to actively participate in
allocation of funding to multi-finance empowerment activities and provide one-
companies that share similar objectives on-one assistance to financing customers
PT Bank BTPN Syariah Tbk
aligned with BTPN Syariah’s sustainability across various regions in Indonesia. This
goals in 2024. program directly contributes to improving
d. Personal Data Protection: customers’ entrepreneurial skills and
The Board of Directors has ensured the business capabilities, benefiting both them
availability of secure policies, procedures, and their families in 2024.
and practices for protecting personal
data related to customers, employees,
bank organs and supporting bodies,
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7. Fulfillment of Commitments to Employees, the Sharia Supervisory Board, and the Board
including: of Directors have been presented in the 2024
a. The Board of Directors has implemented Annual Report. [GRI 2-15] [GRI 405-1]
policies to enhance the capacity of
#bankirpemberdaya through training The Board of Directors of BTPN Syariah is
programs and leadership initiatives, such involved in adjusting internal policies to ensure
as “Business Manager Excelleration” that the management of environmental, social,
and “Distribution Head Makmur”, to and governance (ESG) aspects aligns with the
strengthen employee leadership in the Sustainable Finance Action Plan (RAKB). As
financing business segment. Additionally, part of Sustainability Governance that adheres
the Bank has provided the Jendela to Sharia principles, the Board ensures that
HC information portal to facilitate financing is not provided to customers engaged
#bankirpemberdaya in accessing in businesses that harm the environment or
employment-related information. Incentive violate Sharia principles, as outlined in the Bank’s
programs and attractive career pathways internal policies.
continue to be implemented as part of
the Bank’s efforts to manage turnover Additionally, the Board of Directors regularly
challenges, particularly for Community reviews the annual Sustainability Report, which
Officers (CO), who serve as the Bank’s includes economic, social, and environmental
frontline; performance. [GRI 2-12] [GRI 2-14] [GRI 2-18]
b. The Board of Directors has approved
policies for the long-term development The Board of Directors formulates policies
of human resources, including nurturing to enhance competencies at all levels of the
internal talent, preparing career pathways, organization to support the Sustainable
providing scholarships and long-term Finance Action Plan (RAKB). The performance
benefits, as well as offering insurance and assessment of the Board of Directors also
healthcare facilities in 2024; includes the implementation of alignment
c. The Board of Directors has established between economic, social, and environmental
policies to enhance the recruitment aspects, in accordance with the provisions of
process, develop employee capabilities POJK Number 51/POJK.03/2017 on Sustainable
through talent management and learning Finance for Financial Service Institutions, Issuers,
systems, and strengthen expertise in the and Public Companies. Through this approach,
financing business in 2024. the Board of Directors of BTPN Syariah plays
an active role in creating sustainable bank
Details on the realization of the Board of operations that adhere to good governance
Directors’ duties and responsibilities can be principles.
found in the 2024 Annual Report.
performance evaluation of the
the role of the board of directors in board of directors in the social and
sustainability governance environmental aspects related to
sustainability governance [GRI 2-18]
BTPN Syariah ensures that sustainability
governance is carried out transparently and In line with POJK Regulation Number 51/
professionally. In this regard, the Board of POJK.03/2017 on the Implementation of
Directors is responsible for carrying out its duties Sustainable Finance for Financial Service
PT Bank BTPN Syariah Tbk
independently, without financial, managerial, Institutions, Issuers, and Public Companies,
or share ownership relationships, and without and to achieve sustainable development that
family ties to controlling shareholders, members maintains economic stability and inclusivity
of the Board of Commissioners, or other within the national economic system, the
members of the Board of Directors. Information performance assessment criteria for the Board
regarding the nomination, selection process, and of Directors also include the implementation
profiles s of the Board of Commissioners, of alignment between economic, social, and
environmental aspects.
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sustainability report 2024 | sustainability governance
In support of Sustainable Governance, the Board In line with Sharia principles, the Board of
of Directors at BTPN Syariah has formulated Directors has ensured that financing is not
policies to enhance competency at all levels provided to customers engaged in businesses
regarding Sustainable Finance Actions, made that harm the environment or violate Sharia
adjustments to the Bank’s Internal Policies, principles, as stipulated in BTPN Syariah’s
and taken responsibility for ensuring the policies.
implementation of the Sustainable Finance
Action Plan.
the process of nomination and selection of the board of
commissioners, the sharia supervisory board, and the board of
directors [GRI 2-10]
The nomination and selection process flow for the Board of Commissioners, the Sharia Supervisory
Board, and the Board of Directors at BTPN Syariah is as follows:
Proposed candidates for the Board of
Commissioners, the Sharia Supervisory
Board, and the Board of Directors from
Proposal
Submission of proposed candidates Shareholders/Board of Directors/Board
for the Board of Commissioners, the of Commissioners.
Sharia Supervisory Board, and the
Board of Directors to the Nomination
and Remuneration Committee.
The selection process by the Nomination
and Remuneration Committee includes:
1. Analysis of the candidate's
competencies and background
Selection & Recommendation
2. Interview (if necessary)
Submission of the FnPT
process to OJK (*)
OJK approval of the proposed
candidates for the Board of
Commissioners, Sharia Supervisory
Submission of proposed candidates for Board, and Board of Directors.
the Board of Commissioners, Sharia
Supervisory Board, and Board of Directors
to the Nomination and Remuneration
Committee.
The Board of Commissioners proposes
to the GMS candidates for the Board
of Commissioners, Sharia Supervisory
Board and Board of Directors by taking
into account the recommendations
GMS of the Nomination and Remuneration
GMS decision on the composition of Committee.
the Board of Commissioners, Sharia
PT Bank BTPN Syariah Tbk
Supervisory Board, and Board of
Decision
Directors Notification and disclosure of
information regarding changes in
the composition of the Board of
Commissioners, Sharia Supervisory
Board, and Board of Directors to the
OJK, IDX, and other relevant institutions,
including the general public, as well as
website publication.
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remuneration policy
BTPN Syariah has a Remuneration Policy aimed performance assessments, where management
at ensuring that remuneration is provided in provides guidance on both fixed and variable
accordance with applicable laws and regulations, remuneration adjustments according to
the Bank’s financial performance, individual individual performance. [GRI 2-19]
achievements, fairness compared to peer
groups within the banking sector, and the Bank’s The determination of remuneration and other
overall capacity. The remuneration policy is benefits for Bank Organs refers to shareholder
reviewed periodically, covering both fixed and decisions as established in the General Meeting
variable remuneration. This review takes into of Shareholders (GMS), while also considering
account factors such as the effectiveness of recommendations from the Nomination and
risk management, the financial stability of the Remuneration Committee. In determining the
Bank, the Bank’s future income potential, and remuneration for each Board of Commissioners,
compliance with Sharia principles. DPS, and Directors, considering the overall
performance of BTPN Syariah, performance
The Bank follows a meritocracy-based approach evaluation, comparability with peer groups in
(performance-based) in providing remuneration the banking sector and the banking industry,
to Directors and Employees, applicable to and the Company’s capability. The company’s
both fixed and variable remuneration. In performance, which is one of the factors in
performance management, each Director and determining the remuneration for members of
Employee has individual targets that serve the Board of Commissioners, DPS, and Directors,
as the basis for evaluation. The amount of is described as follows: [GRI 2-20]
remuneration adjustment is based on individual
Suggestions &
Study Decision
Recommendations
1. The committee conducts a 1. Based on the performance 1. Decision of the Board
study on the performance data of the Company of Commissioners
of the Bank that can also (internal) and benchmark regarding remuneration
reflect the performance of (external), the Nomination for members of the Board
the Board of Commissioners, and Remuneration of Commissioners, Sharia
Sharia Supervisory Board, Committee makes Supervisory Board and
and Directors. proposals/recommendations Directors.
2. Surveys to obtain benchmark for remuneration for each 2. GMS approval of the total
data on the remuneration of member of the Board of remuneration of the Board
the Board of Commissioners, Commissioners, Sharia of Commissioners, Sharia
Sharia Supervisory Board, Supervisory Board, and the Supervisory Board and
and Directors in several Board of Directors to be Divisions.
banks in Indonesia. If submitted to the Board of
necessary, the Committee Commissioners.
may appoint/collaborate with
a Consultant/Independent
Party to obtain more
accurate data.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
use of external consultants The data is then processed by a consultant
through a remuneration survey participated by
In implementing governance in remuneration several banks.
practices to encourage prudent risk-taking and
ensure the bank’s business sustainability, a total annual compensation
transparent information process is necessary. ratio
This ensures discipline in remuneration practices,
both qualitative and quantitative..
BTPN Syariah has adhered to applicable
regulations regarding remuneration, both fixed
Management utilizes External Consultants to
and variable. The Bank also strives to ensure
obtain remuneration data, including fixed and
that fixed remuneration remains competitive
variable compensation, within the banking
and aligns with its strategy and remuneration
industry. This data is gathered for specific
policies.
positions and roles from several banks with
similar characteristics.
Below is the ratio of the highest and lowest
salaries at BTPN Syariah for the year 2024.
highest and lowest salary ratio [GRI 2-21]
description ratio
Highest to Lowest Employee Salary Ratio 93,5%
Highest to Lowest Board of Directors Salary Ratio 2,1%
Highest to Lowest Board of Commissioners Salary Ratio 2,4%
Highest Board of Director Salary to Highest Employee Salary Ratio 2,6%
competency development related to sustainable finance
BTPN Syariah supports the achievement of sustainable finance and the implementation of RAKB
(Sustainable Finance Action Plan), ensuring the management of environmental, social, and governance
(ESG) aspects. This support begins with strengthening the capacity and competence of those
responsible for implementing the strategy and sustainability programs.
Competency development is carried out continuously at all levels, starting from the Board of
Commissioners, Board of Directors, Sustainability Task Force, and all other Bank organs. Below is a list
of the trainings conducted throughout 2024:
capacity building for organ banks [E.2] [GRI 2-17]
no training/conference participant date organizer location
1 Sharing Operations Board of January 16, 2024 PT Bank BTPN Syariah Jakarta
Initiatives 2024 Directors Tbk
2 Townhall within the Board of January 18, 2024 PT Bank SMBC Indonesia Jakarta
PT Bank BTPN Syariah Tbk
Scope of SMBC Financial Commissioners Tbk
Conglomerate
3 Townhall within the Board of January 18, 2024 PT Bank SMBC Indonesia Jakarta
Scope of SMBC Financial Directors Tbk
Conglomerate
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capacity building for organ banks [E.2] [GRI 2-17]
no training/conference participant date organizer location
4 Generation Gap Board of February 23, 2024 Dr Muhammad Faisal Jakarta
Directors (Pelatih Eksternal)
5 Socialization on the Personal Board of June 28, 2024 Pricewaterhousecoopers Jakarta
Data Protection Law Directors Consulting Indonesia
6 Townhall within the Board of July 6, 2024 PT Bank SMBC Indonesia Jakarta
Scope of SMBC Financial Commissioners Tbk
Conglomerate
7 Townhall within the Board of July 6, 2024 PT Bank SMBC Indonesia Jakarta
Scope of SMBC Financial Directors Tbk
Conglomerate
8 Understanding Interrelation: Board of July 10, 2024 PT Bank SMBC Indonesia Jakarta
Banking, Venture Capital and Commissioners Tbk
Startups
9 Understanding Interrelation: Board of July 10, 2024 PT Bank SMBC Indonesia Jakarta
Banking, Venture Capital and Directors Tbk
Startups
10 Maintaining Compliance Board of July 15, 2024 Forum Komunikasi Jakarta
of Financial Service Directors Direktur Kepatuhan
Providers in Supporting Perbankan
Inclusive Economy Through
Supervision, Financial
Education, and Consumer
Protection in the Complexity
of Financial Products
11 Socialization on the Personal Board of July 23, 2024 Pricewaterhousecoopers Jakarta
Data Protection Law Directors Consulting Indonesia
12 Journey to Sustainability Board of July 31, 2024 Indonesia Corporate Jakarta
with PT Pertamina (Persero) Directors Secretary Association
13 Plenary Session Participant Board of August 2, 2024 Bank Indonesia dan Jakarta
pada The 10th International Directors Journal of Islamic
Islamic Monetary Economics Monetary Economics and
and Finance and Call Finance (JIMF)
for Paper (10-IIMEFC) -
Promoting Inclusive and
Sustainable Growth with
Sharia Economy Amid the
Age of Digitalization and
Global Uncertainty
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
capacity building for organ banks [E.2] [GRI 2-17]
no training/conference participant date organizer location
14 The Landmark Forum Board of August 2-6, 2024 Landmark Forum Jakarta
Directors
15 Socialization on the Personal Board of August 22, 2024 Pricewaterhousecoopers Jakarta
Data Protection Law Commissioners Consulting Indonesia
16 Qualification Training in Board of September 4-5, Banking Association for Jakarta
7 Areas of Banking Risk Directors 2024 Risk Management
Management
17 Qualification in 7 Areas of Board of September 27, 2024 Lembaga Sertifikasi Jakarta
Banking Risk Management Directors Profesi Keuangan Syariah
18 Risk Awareness Board of September 30, 2024 Pasar Trainer Jakarta
Commissioners
19 Risk Awareness Board of September 30, 2024 Pasar Trainer Jakarta
Directors
20 Introduction to IFRS 1 Board of November 4, 2024 Indonesia Corporate Jakarta
& 2: Practical Guide for Directors Secretary Association
Companies in Indonesia
21 Qualification Training in Board of November 28, 2024 Lembaga Sertifikasi Jakarta
6 Areas of Banking Risk Commissioners Profesi Keuangan Syariah
Management
22 Qualification in 7 Areas of Board of November 28, 2024 Lembaga Sertifikasi Jakarta
Banking Risk Management Commissioners Profesi Keuangan Syariah
independent party
1 Basic Training on Muamalah Independent May 25-31, 2024 Dewan Syariah Nasional - Jakarta
Maliyah and Fatwa DSN- Party Majelis Ulama Indonesia
MUI
2 Basic Training on Muamalah Independent June 1-2, 2024 Dewan Syariah Nasional - Jakarta
Maliyah and Fatwa DSN- Party Majelis Ulama Indonesia
MUI
3 Risk Awareness Independent September 30, 2024 Pasar Trainer Jakarta
Party
sharia supervisory board
1 Pra-Ijtima’ Sanawi Sharia September 11, 2024 Dewan Syariah Nasional - Jakarta
Workshop (Annual Meeting) Supervisory Majelis Ulama Indonesia
of Sharia Supervisory Board Board
for Sharia banking.
2 Ijtima’ Sanawi (Annual Sharia October 11-12, 2024 Dewan Syariah Nasional - Jakarta
Meeting) of Sharia Supervisory Majelis Ulama Indonesia
Supervisory Board Board
PT Bank BTPN Syariah Tbk
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sustainable financial risk management [OJK E.3, GRI FS2]
In general, the implementation of risk Number 51/POJK.03/2017 on Sustainable
management at BTPN Syariah follows POJK Finance Sustainability for Financial Institutions,
Number 65/POJK.03/2016, dated December Issuers, and Public Companies An essential part
28, 2016, concerning the Implementation of Risk of developing a sustainable finance strategy and
Management for Sharia Commercial Banks and an effective control framework is identifying and
Sharia Business Units. This regulation covers four understanding the environmental, social, and
key pillars: governance (ESG) risk exposure within the Bank’s
1. Active supervision by the Board of portfolio.
Commissioners, Board of Directors, and
Sharia Supervisory Board; As part of best risk management practices,
2. Adequacy of risk management policies and BTPN Syariah has established provisions related
procedures, including risk limit setting; to Process, Risk & Control, and a Risk Grading
3. Adequacy of risk identification, measurement, Matrix to identify and measure potential
monitoring, and control processes, as well as operational risks in every activity across business
a risk management information system; and units. BTPN Syariah is committed to ensuring
4. Adequacy of a comprehensive internal control the continuity of its operational and business
system. activities. The Bank has implemented a Business
Continuity Management (BCM) framework and
The risk management implementation at BTPN a Contingency Funding Plan to address potential
Syariah is also guided by documents from the emergency situations. Additionally, to monitor
Basel Committee on Banking Supervision. the impact of deteriorating macroeconomic
conditions on portfolio health, profitability,
Additionally, BTPN Syariah has enhanced liquidity, and capital resilience, BTPN Syariah
resilience through the implementation of POJK conducts integrated stress testing.
risk management structure
The risk management implementation structure of BTPN Syariah is as follows:
Decision-making based on information supported
by a comprehensive database from various activity
points.
Implementing a
safe and reliable
environment for all
K T Conducting end-to-end
governance of activities
relevant to current
stakeholders. dynamics
Safety Governance
Compliance with Risk • Building a risk
applicable standards Compliance management culture
Management
and regulations, & establishing
as well as strong appropriate risk
PT Bank BTPN Syariah Tbk
collaboration with management
regulatory bodies. processes
K P
• Integrating risk
and opportunity
analysis into strategy
development and
planning
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sustainability report 2024 | sustainability governance
In addressing the risks associated with the environment. This commitment is stated
sustainable finance implementation, BTPN in the Bank’s financing policies and guidelines,
Syariah is committed to applying a preventive which prohibit financing for activities that have a
approach. Prevention efforts are undertaken negative impact on the environment.
for every identified potential risk. In order
to achieve this, BTPN Syariah implements Tepat Pembiayaan Syariah guidelines also
governance measures and analyzes all realized emphasize that in every financing distribution,
risk and loss events, utilizing the Operational Risk the Bank always prioritizes and aligns economic,
Management System (ORMS) as a learning tool social, and environmental interests. These policies
to prevent similar occurrences in the future. and procedures provide a fundamental basis for
the implementation of Sustainable Finance at
This risk management is conducted the Bank.
comprehensively, covering all aspects of risk
management as required by the Financial Through the sustainability policy outlined above
Services Authority (OJK) and Bank Indonesia in and in accordance with Sharia principles, BTPN
the banking sector, including but not limited to Syariah has established an Exclusion List of
operational risk. In managing and preventing prohibited business activities. The Bank is
operational risks, BTPN Syariah consistently prohibited from providing financing to:
applies risk mitigation measures in the design 1. Business types that are not in line with
and launch of new products. [416-1] Sharia principles as outlined in the Standard
Operating Procedures (SOP) for Appropriate
the bank’s policy in supporting Sharia Financing Groups.
2. Businesses that are in violation of applicable
environmental, social, and laws and regulations [GRI 2-27]
governance (ESG) aspects in 3. Potential customers listed on terrorist
suspect lists and terrorist organizations and/
the development of banking or mass destruction weapons proliferation
products financing lists.
The Bank’s Product and Activity Policy states In serving productive inclusion customers through
that in the development of banking products unsecured financing, BTPN Syariah prioritizes
offered to customers, the following aspects must the principle of preventing financing risk issues
be considered at a minimum: through a strategic approach. One of the key
1. Alignment of banking products with the needs approaches implemented is Know Your Customer
and financial capacity of customers. (KYC), which is optimally carried out through
2. Social and environmental issues, ensuring regular periodic meetings as part of customer
environmental sustainability, such as assistance. This approach is also part of BTPN
managing environmental risks related to Syariah’s efforts to manage the impact of the
customers’ business activities, including waste products and services used by its customers.
disposal or obligations to address other forms [OJK F.28]
of pollution.
Through these regular meetings, the CO
the bank’s policy in supporting (Customer Officer) in the field can get to know
customers in-depth, maintain the quality of
environmental, social, and financing, and ensure the sustainability of their
governance (ESG) aspects in businesses. In addition to maintaining the quality
of financing, this approach also contributes to
financing distribution
PT Bank BTPN Syariah Tbk
positive changes in the customers’ lives, such as
better family financial management, increased
From the financing perspective, BTPN Syariah
business profits, awareness of the importance
ensures that the financing provided is not used
of health, and participation in environmental
for activities that have a negative impact on
preservation.
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risk assessment of the As a mitigation for this transition risk, BTPN
Syariah has integrated sustainability support
implementation of sustainable into its business model, including through the
finance [OJK E.3] Daya Program, which provides education and
training to customers on environmentally friendly
As a sharia bank serving the ultra-micro market, business management.
BTPN Syariah confronts unique challenges in
implementing sustainability. These risks can environmental risks
be divided into four categories: economic risks Environmental risk arises from the impact of
(physical and transition risks), environmental customer activities on the environment, such as
risks, social risks, and governance concerns. We environmentally unfriendly business practices.
identified these risks and developed the requisite For example, ultra-micro entrepreneurs, such
risk mitigation strategies. as those producing crackers, who do not
understand how to manage used cooking oil
physical risks waste, can pollute the surrounding environment.
Physical risks arise from the direct impacts Such incidents are not only harmful to the
of climate change, such as natural disasters, environment but also lead to protests from the
extreme weather, or environmental degradation. local community, which may hinder business
For pre-inclusion customers, extreme weather development.
catastrophes like floods or droughts can
destroy productive assets (land or business The Bank’s focus on Sharia-based financing
tools), reduce cash flow, and increase the risk of in the ultra-micro segment ensures that no
financing default. Additionally, damage to basic financing is provided to businesses that harm
infrastructure, such as traditional markets or the environment. During the PRS activities, the
roads, can hinder customers’ economic activities COs also remind customers of the importance
and reduce business stability. Furthermore, of considering the environment for the
homes that also function as places of business sustainability of their businesses.
can be damaged by natural disasters, thereby
affecting customers economically and socially. social risks
Social risk includes aspects of low financial
In this case, the Bank provides intensive support literacy and other social issues within the
to pre-inclusion customers, fostering sustainable community. Customers with low financial
BDKS (Behavioral Development for Customer literacy are at risk of misunderstanding financing
Sustainability) that can build economic products, which can lead to misuse of funds for
resilience. Health education and environmental unintended purposes or default. Additionally, if a
maintenance are also provided during the PRS customer defaults on repayment, it can disrupt
(Customer Support Program). the cohesion of the group.
transition risks To address this social risk, the Bank, through its
Transition risks are connected with the shift to CO, has provided intensive support to improve
a low-carbon economy, which includes changes the financial literacy of customers. In 2024,
in policies, technologies, and market preferences the Bank strengthened its system to enhance
For the bank, sustainability-related policies may customer discipline in repaying installments. For
increase operational costs, such as investments the first time, the Bank required customers to
in environmentally friendly tools or new, more collect funds in envelopes (with records on the
sustainable technologies. Ultra-micro customers envelopes), making it clearer who has or has
also require additional support to understand not committed to helping customers affected
PT Bank BTPN Syariah Tbk
the impacts of climate change and the transition by disasters. This policy has been ensured to
to a low-carbon economy. This can increase the comply with governance and Sharia principles.
Bank’s operational costs. It also promotes solidarity to remind each other
and increase caution in recommending new
customers.
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sustainability report 2024 | sustainability governance
These risks have been effectively managed Implementation of Anti-Money Laundering,
through guidance and education integrated into Counter-Terrorism Financing, and Proliferation
the business model. With this approach, the Bank Financing of Weapons of Mass Destruction
not only mitigates risks but also contributes to Programs in the Financial Services Sector. The
sustainable economic, social, and environmental implementation is carried out by establishing
development. Policies and Procedures concerning efforts to
prevent Money Laundering, Terrorism Financing,
governance risk and Proliferation Financing of Weapons of Mass
BTPN Syariah recognizes that good governance Destruction. The implementation of the AML,
is the foundation for operating transparently, CTF & PFWMD programs that have been carried
accountably, and sustainably. However, out by the Bank include:
governance risks may still arise, especially related 1. AML, CTF & PFWMD Regulations
to compliance with regulations, the effectiveness a. The Bank has made adjustments to the
of oversight, and the integration of sustainability AML, CTF, and PFWMD regulations in
aspects into business strategies. accordance with the latest regulations
from the regulator.
Non-compliance with regulations, such as the b. The Bank has conducted an evaluation of
Financial Services Authority (OJK) regulations the implementation of the AML, CTF, and
on Sustainable Finance, can affect the Bank’s PFWMD programs through the application
reputation and operations. In addition, a lack of of risk assessments for AML, CTF, and
transparency in decision-making or performance PFWMD on new or existing products/
reporting can reduce stakeholder trust. Risks services.
can also arise if oversight by the Board of 2. Monitoring of Bank Customer Transactions
Commissioners, the Board of Directors, or other The Bank conducts continuous monitoring
governance bodies is not optimal, increasing of customer transactions to identify the
the potential for strategic and operational risks. consistency between customer transactions
On the other hand, inadequate integration of and their profiles, including occupation,
sustainability into business strategies and the business sector, income, and sources of funds.
implementation of RAKB can hinder the Bank’s 3. Customer Data Update
sustainability goals. The Bank periodically updates customer
data to obtain the latest information and
To address this, BTPN Syariah ensures strict documents from customers.
oversight through the Sustainability Task Force, 4. Reporting to the Financial Transaction
conducts regular reviews of internal policies, and Reports and Analysis Center (PPATK)
enhances the capacity of all governance bodies The Bank has submitted reports related
to support sustainability. These measures are to AML, CTF, and PFWMD, including Cash
taken to maintain solid governance, in line with Financial Transaction Reports, Suspicious
Sharia principles, and to support long-term Financial Transaction Reports, Integrated
sustainability. Service User Information System (SIPESAT)
Reports, and Suspected Terrorism Financing
anti-money laundering (AML), Information System (SIPENDAR) Reports.
counter-terrorism financing (CTF), 5. Customer Risk Profile Assessment with Risk-
and proliferation financing of weapons Based Approach (RBA)
of mass destruction (PFWMD) The Bank has implemented the Risk-
BTPN Syariah is fully committed to strictly Based Approach (RBA) through Sectoral
implementing regulations related to Anti-Money Risk Assessment (SRA) and National Risk
Laundering (APU), Counter-Terrorism Financing Assessment (NRA) from the OJK and PPATK,
PT Bank BTPN Syariah Tbk
(PPT), and Prevention of Financing for the enabling the identification of customers
Proliferation of Weapons of Mass Destruction according to risk categories, which include
(PPPSPM). BTPN Syariah adheres to the OJK Low, Medium, and High.
Regulation Number 8 of 2023, regarding the
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6. AML, CTF & PFWMD Assessment The Code of Ethics is a standard of conduct that
To ensure the proper implementation of is reasonable, appropriate, and believed to be
AML, CTF, and PFWMD in accordance with correct for all employees of the Bank in carrying
applicable regulations, an assessment of out business activities, including interactions with
AML, CTF, and PFWMD was conducted in stakeholders.
2024 directly at selected branch offices. The 1. The guidelines and principles of behavior
assessment mechanism involved conducting outlined in the Code of Ethics include, but are
a spot-check of customer documents and not limited to:
interviewing the staff at the branch office. 2. Vision, Mission, Company Values, Purpose
7. Training and Socialization of the Code of Ethics, and the Scope of the
To enhance the quality of Human Resources, Code of Ethics;
the Bank conducts training and socialization 3. Compliance and Risk Management;
on AML, CTF, and PFWMD. Training is 4. Conflicts of Interest;
provided to new employees and refresher 5. Creating a Conducive Work Environment,
training is conducted periodically. The training which includes (Fair Treatment of All
method utilizes e-learning media or online Employees, Anti-Discrimination and
communication platforms. Socialization is Harassment, Workplace Safety, Use of
provided to the staff at branch offices to Company Facilities, Activities Outside the
ensure they receive the latest regulations Company, Use of Social Media, LINK and
and information regarding AML, CTF, and HELP Communication Culture);
PFWMD. 6. Information Management and Security;
7. Relationships with Customers and
code ethics and integrity Stakeholders, which include (Relationship
with Customers, Relationship with Partners,
To achieve sustainable success in the Relationship with Regulators, Bribery and
implementation of GCG (Good Corporate Corruption, Giving and Receiving Gifts, Anti-
Governance) at the Bank, it is believed that Money Laundering);
high integrity is necessary from all levels of 8. Enforcement of the Code of Ethics which
the company’s organization. Therefore, a code includes roles and responsibilities and
of conduct is required, which embodies the violations of the Code of Ethics.
principles of GCG and serves as a reference for
every Bank Organ and Employee in carrying efforts to enforce the code of ethics
out their daily business activities, ultimately
becoming part of the corporate culture. BTPN Syariah is committed to the
implementation of the Code of Ethics across all
The Code of Ethics of BTPN Syariah serves as a levels of the organization as part of its corporate
guideline for the attitudes and behavior of the governance practices, while also promoting
Board of Commissioners, Sharia Supervisory employee behavior in line with ethical standards.
Board, Directors, Independent Parties, and
all Employees in carrying out their duties, This behavioral development is followed up by
authority, obligations, and responsibilities in each employee in the form of attitudes, actions,
decision-making, ensuring consistency with and commitment to creating a company culture
the Company’s Values, BTPN Syariah’s Vision at BTPN Syariah that aligns with ethical norms.
and Mission, as well as applicable laws and
regulations. [GRI 2-27] Employees are provided with an annual refresher
program on the Code of Ethics, which begins
with the reading of the Code of Ethics delivered
PT Bank BTPN Syariah Tbk
digitally or in printed form, followed by signing
the acknowledgment form and providing
confirmation feedback electronically by all
employees after the socialization.
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sustainability report 2024 | sustainability governance
To foster a compliance culture from the start, the role and responsibilities of
Bank requires all new employees to receive Code
of Ethics training during the Induction Program, supervisors
followed by an annual refresher program. BTPN
Syariah provides its Code of Ethics standards in The role and responsibilities of supervisors are:
2 (two) languages: Indonesian and English. These 1. Provide an explanation and ask team
instructions are also available on the Bank’s members to read and understand the Code of
website. Ethics;
2. Ensure that every employee in their unit
In applying societal norms to business activities adheres to the Code of Ethics;
and creating a sustainable ecosystem, every 3. Conduct socialization of the Code of Ethics to
business plan and initiative prepared by the bank employees within their unit;
prioritizes principles that uphold integrity and 4. Actively participate in mentoring employees
compliance values. and resolving Code of Ethics violations;
5. Report and escalate any suspicion, indication,
In implementation across all levels of the and/or occurrence of violations to the
organization, all members of the Board of appropriate authorities;
Commissioners, the Board of Directors, and 6. Follow up on any reported violations of the
independent parties from committees under the Code of Ethics according to the established
Board of Commissioners are subject to the Code procedures.
of Ethics without exception. The guidelines also
regulate the relationships between all members BTPN Syariah is committed to enforcing the
of BTPN Syariah and customers, partners, Code of Ethics as part of the effort to implement
regulators, shareholders, and subsidiaries. good corporate governance principles by
regularly socializing the company’s sustainable
role and responsibilities of employee compliance culture that upholds attitudes,
actions, and commitments.
The role and responsibilities of employees are:
1. To study, understand, comply with, and Any acts of deviation, abuse, negligence, and/or
implement the Code of Ethics; violations of the Code of Ethics may be subject
2. To report to supervisors or through the Speak to civil and criminal sanctions, in accordance with
Your Mind and JAGA channels if suspecting a the policies and procedures at BTPN Syariah, as
violation or attempted violation of the Code well as the applicable laws and regulations, which
of Ethics. at certain levels may result in the termination of
employment with or without warning.
In addition to the signing of the Code of Ethics
by all employees, BTPN Syariah also requires the
implementation of a zero fraud policy at all levels
of the organization and obliges all employees to
make a full commitment, demonstrated by the
signing of the Anti-Fraud Declaration, Integrity
Pact, and Commitment regarding the Prohibition
of Accepting Entertainment & Gifts.
PT Bank BTPN Syariah Tbk
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internal control system
BTPN Syariah implements an internal control framework with a layered defense approach (Three Lines
of Defense), as shown in the following picture.
Risk Monitoring Committee and Audit Committee
Board of Directors
1st Line of Defense 2st Line of Defense 3st Line of Defense
Line Management Internal Audit Work Unit
Risk Management
Control (PUK) (SKAI)
Quality Assurance
Compliance
(QA)
The Three Lines of Defense approach supports the implementation of sustainable finance through clear
role and responsibility division. A detailed explanation of the Three Lines of Defense mechanism can be
found in the 2024 Annual Report.
fraud prevention and posting posters in work areas the bank
requires employees to understand and sign
BTPN Syariah is fully committed to preventing the Company’s Code of Ethics, Integrity Pact,
any form of deviation/violation/fraud, whether and Anti-Fraud Declaration, as well as a moral
conducted by internal or external parties, in all approach through guidance from the Sharia
business and operational activities that may Supervisory Board and Religious Scholars to all
potentially lead to financial losses or reputational employees. BTPN Syariah also raises awareness
risks. [GRI 205-1] of fraud prevention among customers and third
parties (vendors) through educational media
The Bank implements an effective and during the Know Your Customers (KYC) process
continuous fraud control system. This control and agreement signing. By the end of 2024,
system guides BTPN Syariah in determining all (100%) employees of BTPN Syariah have
steps for prevention, detection, investigation, completed anti-fraud training. [GRI 205-2]
reporting, sanctions, as well as monitoring,
evaluation, and follow-up on fraud incidents. As BTPN Syariah takes various approaches and
part of efforts to build a culture of awareness controls human resources by recognizing and
about fraud prevention, BTPN Syariah monitoring the character and behavior of
continuously conducts socialization of Anti- employees (Know Your Employee), including
Fraud and the Whistleblowing System “JAGA” systems such as rotation, transfers, mandatory
(Run, Supervise, Observe, Investigate, Report) leave, as well as regular coaching & counseling.
by organizing training for all employees, both BTPN Syariah conducts regular and surprise
through in-class training and online training, audits, and provides a reporting system for any
PT Bank BTPN Syariah Tbk
socialization via email blasts & video blasts, suspected violations of fraud.
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sustainability report 2024 | sustainability governance
BTPN Syariah implements a strict policy to give cases. No incidents of fraud involving business
a deterrent effect to perpetrators of fraud and partners occurred, and therefore, there were no
does not tolerate such actions (zero tolerance). business relationship terminations due to fraud
Every proven fraudulent action, no matter how with business partners. [GRI 205-3]
small, will be given strict sanctions, ranging
from administrative penalties to termination human rights protection
of employment status and reporting to the
authorities for further legal processing. As part of its commitment to human rights
protection, BTPN Syariah has implemented
whistleblowing system management internal complaint procedures and mechanisms
related to human rights through the
[GRI 2-26]
whistleblowing system “JAGA” (Run, Monitor
As part of the implementation of strict & Observe, Investigate, Submit Reports). Each
prevention and enforcement policies against incoming complaint is followed up based on
fraud cases and as a manifestation of the its priority level and urgency to ensure prompt
bank’s commitment to running good corporate and effective resolution. In addition, efforts to
governance to create a healthy, honest, mitigate human rights violation risks are made
transparent, compliant, and integrated by integrating good corporate governance
work environment, BTPN Syariah provides a principles into every operational aspect across
Whistleblowing System as a means to report the organization.
information or suspected fraud. BTPN Syariah
ensures easy access to various channels for To ensure the protection and fulfillment of
reporting fraud, while maintaining confidentiality human rights for both internal and external
and providing protection guarantees for the parties, BTPN Syariah acts based on core
whistleblower. values that align with the expectations and
needs of stakeholders while considering the
The reporting channels available are email, benefits for the company. Throughout 2024, the
QR Code (which can be used by the reporter Board of Directors has optimized management
to submit a report through the QR Code link), involvement in decision-making related to human
written letters, and phone calls. These channels rights protection by ensuring a fair, transparent
are easily accessible to all employees or process in compliance with bank policies and
reporters. All reports with valid initial evidence regulatory requirements. A review of inputs and
of violations will be promptly followed up with a follow-ups is also conducted periodically.
thorough investigation.
In addition to protection through the
There has been a decrease in the number of whistleblowing system, management
fraud cases; in 2022, there were 12 cases, in 2023 involvement in fulfilling human rights is realized
there were 8 (eight) cases, and in 2024, there through the Human Capital Division, which
were 3 (three) cases, all of which have been conducts employee satisfaction surveys. This
resolved. These cases only involve violations survey aims to bridge differences, gather
committed by company employees, all of which relevant information, and provide a foundation
were resolved internally. Several employees for strategic decision-making, ensuring that the
found to have committed fraud violations were policies implemented align with the established
given strict sanctions in accordance with the targets. The Bank has also periodically reviewed
company’s regulations. There have been no legal and approved policies related to labor practices
claims from any third parties related to fraud and customer protection.
PT Bank BTPN Syariah Tbk
*Deviations with a value exceeding IDR 100,000,000 (one hundred million rupiah).
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relationships with stakeholders [OJK E.4][GRI 2-29]
The long-term sustainability of the business Shareholders and Investors, Funding Customers,
depends on the success of building harmonious Financing Customers and/or Communities,
relationships with all stakeholders. Based on this Employees, Business Partners/Suppliers,
belief, BTPN Syariah carefully identifies the group Government/Regulators, DSN-MUI, as well as
of stakeholders who have a significant impact on Community Leaders/Local Officials.
the continuity of the business and strives to meet
the expectations of each stakeholder according Below are the ways the Bank manages
to the available resources. These stakeholders relationships with stakeholders, based on the
are: impact mapping, influence, and stakeholder
group identification conducted by BTPN Syariah
until December 31, 2024.
basis for engagement the function of
list of
determination/ topic/emerging issues methods & highest governance
stakeholders
identification frequency management
• Corporate
Secretary
• Providing
• Head of Corporate
information on
Secretary &
BTPN Syariah
General Counsel
achievements
Division
• Corporate through the GMS
• Head of Financial
governance • Quarterly
Shareholders and Dependency, Influence, Control & Analytics
• Achievement Financial Reports
investors and Responsibility Division
of economic • Annual Reports
• Head of Treasury
performance • Sustainability
& Financial
Reports
Institution Division
• Public Expose and
• Head of Corporate
Analyst Meeting
& Marketing
as needed
Communication
Division
• Providing
products and
services in • Corporate
accordance secretary
with applicable • Head of Division
regulations at the Operations
• Providing product Directorate
and service • Head of DAYA
Dependency,
• Customer protection information in a Division
Funding Responsibility,
• Sustainable timely, adequate, • Head of Corporate
Customer Influence, and
relationship clear and & Marketing
Geographic Proximity
accurate manner Communication
• Development of Division
quality services • Head of Financing
for customer Division
satisfaction • Head of Business
• Advertising and Line Division
promotional
media
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sustainability report 2024 | sustainability governance
basis for engagement the function of
list of
determination/ topic/emerging issues methods & highest governance
stakeholders
identification frequency management
• Intensify • Corporate
involvement secretary
in community • Head of Business
activities with Line Division
programs • Head of Human
covering the fields Capital Division
• Education and
Dependency, of: education, • Head of
Financing culture
Responsibility, empowerment, Information
Customer and/or • Technology and
Influence, and culture and Technology
Community infrastructure access
Geographic Proximity religion, Division
• Welfare and income
humanity and the • Head of DAYA
environment Division
• Empowerment • Head of Corporate
Mandatory & Marketing
Meeting Meetings Communication
as needed Division
• Objective,
transparent,
fair, and equal
management
• Building a
• Employment conducive work
Dependency, relations environment
Responsibility, • Protection and to optimize
Influence, and working conditions productivity Head of Human
Employees
Geographic Proximity, • Competition • Career Capital Division
Attention and development development
Influence • Career Development talent
and self actualization management
system and
assessment
center
• Meetings as
needed
• Clear terms of
cooperation
• Transparent
Dependency, Head of related
Sustainable performance
Partners/ Responsibility, Division in the
Suppliers Disagreements, and
relationships assessment
Operations
Economy Fairness • Routine
Influence. Directorate
assessment
Meetings as
needed
PT Bank BTPN Syariah Tbk
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basis for engagement the function of
list of
determination/ topic/emerging issues methods & highest governance
stakeholders
identification frequency management
• Corporate
secretary
• Completeness
• Head of
and Improvement
Compliance
of Good
Division
Corporate
• Head of Financial
Governance
• Compliance with Control & Analytics
(GCG)
laws and regulations Division
• Implementation
Dependency, • Commitment to • Head of Corporate
of GCG principles
Responsibility, banking regulations & Marketing
Government/ in all work units
Disagreement, • Clear, accurate, Communication
Regulator Influence, and comprehensive
• Regular meetings
• Division Head
to discuss the
Geographic Proximity and timely of Corporate
Bank’s health level
communication and Secretary &
• Regular reporting
reporting General Counsel
of business plans/
Division
activities and
• Head of Risk
their realization
Management
• Meetings as
Division
needed
• Branch Head in
Business Line
• Corporate
• Business secretary
development • Direct visit • Head of DAYA
Community Dependency,
• Increased welfare • Official Meeting Division
Figures/Local Responsibility, Dissent,
• Employment • Periodic meetings • Head of Corporate
Officials and Influence
Opportunity as needed & Marketing
• Local progress Communication
Division
challenges in implementing sustainable finance [OJK E.5][GRI 2-22]
The implementation of sustainable finance at In carrying out this commitment, the Bank faces
BTPN Syariah is based on the principle of “do several challenges. One of the main challenges is
good, do well,” with a focus on providing four the long-term impact of the Covid-19 pandemic
key accesses to pre-inclusion customers: access (scarring effect), which continues to affect
to finance, knowledge, supply of goods, and the purchasing power of society and increases
markets. These four accesses are expected to the number of people vulnerable to poverty
build the resilience of inclusive communities, throughout 2024. Uneven economic recovery is
in line with efforts to eradicate poverty (SDG an additional barrier for inclusive communities to
1) and reduce inequalities (SDG 10), while also bounce back economically, as they did before the
supporting health and well-being (SDG 3) and pandemic.
access to quality education (SDG 4).
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability governance
Another challenge is the low level of technology To strengthen the support for pre-inclusive
literacy among customers, which remains a customers, the bank continues to enhance the
barrier to the adoption of digital financial capacity of #bankirpemberdaya through various
services. However, this challenge also opens training programs. COs are also supported by
opportunities for BTPN Syariah to continue students involved in the Bestee Program, so
empowering inclusive communities through a customers can improve the competitiveness of
combination of physical and digital approaches. their businesses.
Meanwhile, in the funding customer segment, The Bank continues to drive digitalization
the bank faces the threat of cyber-attacks that to expand service coverage while improving
could disrupt funding customer transactions. To operational efficiency. At the same time, a
address this, the bank consistently improves and culture of sustainability is consistently instilled in
enhances features on its applications. #bankirpemberdaya to align the understanding
of sustainability at every level of the Bank
On the internal side, the Bank’s recognizes that organization.
uneven understanding of sustainability aspects
may hinder the bank’s sustainability initiatives. Going forward, BTPN Syariah is committed to
operating its business in a way that not only
To overcome these challenges, the Bank adheres to Sharia principles but also supports
continuously builds excellent BDKS behavior sustainability goals. The bank will continue to
across all operational lines. The Bank encourages empower the inclusive community as part of
the active involvement of centers and customer a sustainable ecosystem that contributes to
enthusiasm through incentives such as free inclusive and equitable economic growth. In
Umrah pilgrimages. Meanwhile, customer line with this, BTPN Syariah has submitted its
discipline and solidarity are strengthened 2025-2029 RAKB (2025 indicators) to the OJK
through voluntary mandatory approach that in November 2024, focusing on the exploration
requires all members of a group to be responsible and development of sustainable products and
if any member fails to pay their installments. portfolios.
PT Bank BTPN Syariah Tbk
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06
sustainability
performace
Sustainable excellent behavior has become
a key element in the Bank’s sustainability
performance throughout 2024. More than
3.8 million active inclusive customers received
productive financing to improve their welfare,
health, and provide better education for their
children.
PT Bank BTPN Syariah Tbk
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sustainable excellent behavior
improves economic performance
Amid global challenges in eradicating poverty and reducing
inequality, BTPN Syariah aims to have a long-term positive
impact on national economic growth.
financing with social consciousness [OJK F.3] [GRI 2-23, GRI 2-24, FS16]
Economic development disparities, especially in rural areas, remain a significant
challenge for Indonesia. One of the primary causes is limited access to and literacy
in financial services, making it difficult for rural communities to connect with formal
financial institutions.
For us, this challenge is an opportunity to fulfill our good intentions. Since its
inception, BTPN Syariah has been committed to serving inclusive communities,
particularly women, by providing financing as well as empowerment programs.
Many of them were previously unfamiliar with formal financial institutions, whether
conventional or Sharia-based. Therefore, we adopt a social and culturally rooted
approach to ensure they feel comfortable, confident, and open to growth.
Through access to financing and regular mentoring, we continue to drive economic
capacity building, enabling them to achieve a more decent and sustainable
livelihood.
PT Bank BTPN Syariah Tbk
BTPN Syariah not only serves customers’ financial access needs, but also provides
additional non-financial support through four main pillars. These four key pillars
form the foundation of the Tepat Pembiayaan product by BTPN Syariah, which
includes: financial packages, Daya programs, a membership system with optimal
returns, and guidance from BTPN Syariah Community Officers. These pillars are
interconnected in fostering four excellent customer behaviors: Courage to do
Business, Discipline, Hard Work, and Mutual Assistance.
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sustainability report 2024 | sustainability performace
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5 Years Financial Package Daya
Financial solution in one Capacity building trainings/
package: workshops in the topics of
• Working Capital health, entrepreneurial skills, and
• Free Life Insurance environment
• Saving (free monthly fee)
Future Benefits
• Entitlement for working
increase in each cycle 5 year
• After the third year, financial Daya
entitled for house package
renovation and 4 Excellent
education financing Behaivor:
Courage,
Discipline, Hard
Work, Mutual
Assistance
Community Officer
Sistem Keanggotaan Membership Community • Well-trained
• Groups are selected system Officer #bankirpemberdaya
by customers who become the role
• Routine meetings models of:
• Mandatory savings » Honesty
• Shared liabilities » Courtesy
» Discipline
• Facilitator of Daya
Program.
The four main pillars of Tepat Pembiayaan Syariah are:
1. Financial Package
The Financial Package provides business capital assistance to customers to support their needs
in building and growing productive businesses. This assistance is repaid in biweekly installments.
Additionally, customers receive extra benefits, including insurance for themselves and their spouses,
savings accounts with no minimum balances or administrative fees, and installment-free periods
during Eid al-Fitr. Customers who successfully complete three cycles can earn finance for house
upgrades and their children’s education.
2. Daya Program
The Daya Program assists customers improve their skills and knowledge through training and
assistance in entrepreneurship, health, and environmental awareness.
3. Membership System
Customers form groups create sentras (community centres).Regular meetings are held at these
sentras to facilitate banking services.If a member encounters financial difficulties, other group
members are encouraged to provide mutual support.
4. Community Officer
Community Officers (COs) are trained to demonstrate honesty, courtesy, and discipline while
guiding and supporting financing consumers, assisting them in developing excellent BDKS habits
(courage to start a business, discipline, hard work, and mutual support).
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These four pillars are supposed to foster the Financing for the development of customers’
four basic exceptional qualities that inclusive businesses is provided using the wakalah wal
consumers should exhibit: the courage to murabahah contract. This contract allows
start a business, discipline, hard work, and financing customers who do not yet own a
mutual support. The four basic pillars of Tepat business to acquire funding. This financing allows
Pembiayaan Syariah are implemented regularly them to purchase business capital goods or
and under rigorous supervision. Community supporting facilities for those just starting their
officers must complete a series of forms and businesses. The purchase of goods is delegated
enter data into tablets. This paperwork enables to the financing customer via a wakalah
the Bank to monitor financing portfolio risks agreement, which specifies the items to be
across all sentras (community centers). acquired along with their prices. The financing
customer is then obligated to repay the cost of
At a higher level, Business Coaches, assisted by the purchased items, including the agreed-upon
Quality Assurance, must assess compliance with margin, in payments over a set time period.
the execution of these four pillars at all levels. In
addition, the Internal Audit team will perform The financial performance of productive inclusive
random periodic inspections to guarantee communities is shown below by significant
compliance. As a result, implementing these geographical areas. [GRI FS6]
four pillars serves as a risk mitigation strategy
for social hazards that may have an influence
on financing quality and the Bank’s long-term
sustainability. [GRI FS2, FS9]
net financing summary (IDR million) 2024 2023 2022
Java 5,728,545 6,462,888 7,286,758
Bali and Nusa Tenggara 410,510 454,684 420,917
Sumatra 2,655,339 2,832,317 2,647,194
Kalimantan and Sulawesi 555,176 588,593 538,989
Total 9,349,570 10,338,482 10,893,858
We appreciate all the empowerment efforts of our #bankirpemberdaya, the Community Officers in
the field, whose dedication has contributed to the growth of financing. This financing generates a
positive sense of confidence in the inclusive community’s ability to face challenges. As a result, financing
customers who demonstrate exceptional BDKS behaviors are more adaptable, innovative, enthusiastic,
and resilient in rejuvenating and managing their companies. They gain perseverance and fortitude,
allowing their enterprises to recover and expand.The Bank works to improve financing quality through a
variety of methods and field activities. The hunt for new clients is being broadened, along with a more
stringent selection process for potential finance customers.
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distribution of economic value [OJK F.2] [GRI 201-1]
The total economic value distributed by BTPN obtained through evaluations of financial
Syariah to stakeholders in 2024 amounted capabilities, employment, and the quality of
to IDR 3 trillion, slightly decrease compared goods and services offered over a certain period.
to the previous year. This year, BTPN Syariah
successfully fulfilled its commitment to Meanwhile, details on the bank’s non-financial
shareholders by distributing dividends totaling contributions can be found in other sections of
IDR 525.23 billion. the sustainability report, where the bank plays a
role in fostering sustainable excellent behaviors
BTPN Syariah provides two types of within the inclusive community, creating
contributions to the nation direct and indirect positive social and environmental impacts The
financial contributions, as well as non-financial bank intends to identify risks and possibilities
contributions. Direct financial contributions associated with climate change, whether
include income tax payments and other levies, actual, potential, or emerging from the energy
amounting to IDR 265.32 billion. Meanwhile, transition. In compliance with OJK Letter No.
indirect financial contributions come from the S-37/D.03/2024, which requires all commercial
realization of the bank’s intermediation function. banks to undertake the next phase of Climate
We support entrepreneurial customers from Risk Management & Scenario Analysis (CRMS)
inclusive community groups who previously did reporting by 2025, the bank has established a
not have access to banking, so that now and in number of projects to identify climate-related
the future they get financial support to develop risks and possibilities.
their businesses. Not only that, as a form of
investment to the community, we use a charity To fulfill the calculation of the financial
fund of IDR 1.09 billion. implications, the Bank has consulted both the
Parent Company and external parties in order to
The growth of MSME enterprises in the inclusive develop systematic and structured steps to meet
category eventually boosts national tax income. the CRMS Report deadline set on July 31, 2025.
Beyond taxation, expanding enterprises within
the inclusive community helps reduce poverty and In conducting its business activities, BTPN
income disparity in society. Syariah does not receive financial support from
the government for any operational activities,
The development of micro, small, and medium including tax exemptions, subsidies, grants for
enterprises (MSMEs) businesses in the inclusive research and product development, or other
segment will ultimately increase the state’s tax forms of support. Therefore, we incur expenses
revenue. In addition to taxes, the increased scale for general, administrative, and other overhead
of inclusive community businesses can reduce costs as well as employee salaries and benefits.
poverty levels and income inequality in society.
To strengthen capital reserves and support
BTPN Syariah encourages collaboration with sustainable business growth, BTPN Syariah has
domestic supplier partners as a commitment to retained an economic value of IDR 1.9 trillion, as
supporting Indonesia’s economic development. detailed in the following table:
BTPN Syariah has a list of vendor and supplier
partners for goods and services. This list is
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability performace
in million IDR
details 2024 2023 2022
Direct Economic Value Received
Fund Management Revenue by BTPN Syariah as Mudharib 4,894,273 5,259,749 5,029,350
Other Operational Revenue 43,725 60,949 65,646
Total Direct Economic Value Received 4,937,998 5,320,698 5,094,996
Distributed Direct Economic Value
General and Administrative Expenses 762,286 681,107 676,251
Salaries and Employee Benefits 1,465,273 1,362,405 1,193,141
Dividend Payment 525,231 681,151 451,453
Payments to the Government (Income Tax and Value-Added Tax) 265,322 420,516 510,301
Use of Charity Funds 1,096 370 415
Total Direct Economic Value Distributed 3,019,208 3,145,549 2,831,561
Total Retained Economic Value 1,918,790 2,175,149 2,263,435
BTPN Syariah continues to foster sustainable The loyalty and trust of customers who place
excellent behaviors in serving productive inclusive their funds to support others remain crucial
communities across Indonesia through various in financing for the inclusive community is
innovations in its products and services. With consistently maintained as part of a sustainable
total assets of IDR 21.75 trillion, the bank serves Sharia banking ecosystem. The steadfast
more than 3.8 million customers across >268 support of financing clients motivates BTPN
thousand communities throughout Indonesia. Syariah to keep supporting numerous productive
The bank strengthens its presence in the inclusive families in the nation’s outlying regions.
inclusive segment to consistently contribute to
sustainable development by alleviating poverty, We also involve local suppliers in the Bank’s
reducing social inequality, and preserving operations by requiring them to uphold human
the environment for both current and future rights standards such as prohibiting child labor
generations. and forced labor.
In fostering sustainable excellent behaviors We remain committed to managing stakeholder
within the inclusive community, the scarring expectations. As a means of transparency
effect of the Covid-19 pandemic continues and communication with stakeholders, we
to have a significant impact on customers, continuously update information via press
particularly financing customers. BTPN releases and public exposés to ensure that all
Syariah remains committed to assist impacted stakeholders are aware of the status of BTPN
finance clients by carrying on with financing Syariah. In relation to the government and
while abiding by responsible risk management regulators, BTPN Syariah maintains regulatory
guidelines and utilizing customer unity within the compliance, particularly in terms of social and
same community. The bank also offers financial environmental impacts, and timely tax payments.
management training, entrepreneurship tips Additionally, we distributed cash dividends to
PT Bank BTPN Syariah Tbk
(access to knowledge), and assistance in opening our stockholders in 2024 based on our financial
market access (access to market) for financing performance of the financial year 2023.
customers.
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PT Fitch Ratings Indonesia has reaffirmed BTPN At the end of 2024, BTPN Syariah’s total funding
Syariah’s National Long-Term Rating of AAA(idn) disbursement had reached IDR 10.17 trillion.
with a Stable Outlook. This rating is given to Strong financing performance, supported by a
entities that have the lowest predicted default strong capital basis, has ensured enough liquidity
risk among all other issuers of bonds in the same for the bank. BTPN Syariah generated a healthy
country or monetary union. net profit of IDR 1.06 trillion in 2024, displaying
its financial strength.
The following is a summary of the changes in BTPN Syariah’s balance sheet position and profit and loss
table that illustrates BTPN Syariah’s performance in 2024.
economic performance summary of BTPN syariah 2024 in million IDR
description 2024 2023 2022
Balance Sheet Summary (IDR million)
Total Assets 21,747,580 21,435,366 21,161,976
Earning Assets 20,325,619 20,304,224 19,422,089
Financing Disbursed 10,171,759 11,387,861 11,527,463
Total Liabilities 2,831,634 2,737,413 2,910,720
Customer Deposits and Temporary Shirkah Funds 11,724,433 12,142,817 12,048,529
Total Equity 9,316,594 8,777,133 8,407,995
Profit and Loss Summary (IDR million)
Net Margin Revenue 4,894,273 5,259,749 5,029,350
Other Operating Income 43,725 60,949 65,646
Operating Expenses (2,227,577) (2,043,512) (1,869,492)
Allowance for impairment losses (1,359,766) (1,898,117) (945,052)
Net Operating Income 1,350,655 1,379,069 2,280,452
Net Profit for the Year 1,061,160 1,080,588 1,779,580
ethical business However, poverty levels remain a challenge, with
the percentage of the population living in poverty
reaching 9.57% in March 2024, equivalent to
support towards sustainable approximately 26.2 million people. The poverty
development [GRI 2-22] rate was higher in rural areas (11.79%) compared
to urban areas (7.09%), highlighting economic
In 2024, Indonesia’s economic situation showed disparities between regions. On a positive note,
uneven trends. Inflation in December 2024 was the labor market showed improvement, as the
1.84%, down from 2.61% the previous year, unemployment rate declined from 5.32% in 2023
demonstrating price stability and the possible to 4.91% in August 2024, reflecting an increase in
PT Bank BTPN Syariah Tbk
growth in consumer spending power. employment opportunities.
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indonesia macro economic indicator
indicator satuan 2024 2023 2022
Gross Domestic Product (% annual change) 4.95 5.0 5.01
Inflation (% annual change) 1.84 2.61 5.5
Government Debt (% of GDP) 39.20 38 39.9
Exchange Rate (IDR/USD) 16.242 15.397 15.568
Current Account Balance (% of GDP) 0.6 0.2 1
Interest Rate Reference (%) 6 6 5.5
Residents (in million) 282.5 278.7 275.8
Poverty (% of population) 9.57 9.36 9.5
Pengangguran (% of labor) 4.91 5.32 5.5
Cadangan Devisa (in billion USD) 150.2 146.4 137.2
The Covid-19 pandemic has led to a K-shaped business by strengthening the synergy between
economic recovery, a phenomenon where #bankirpemberdaya (empowering bankers) and
different sectors experience divergent recovery customers, ensuring continuous empowerment
trajectories. Visually, this recovery trend shows of the inclusive community.
an upward trajectory for industries that
benefited, such as the digital sector, while Since its establishment, BTPN Syariah has
sectors facing difficulties, such as tourism and remained steadfast in its primary focus:
micro, small, and medium enterprises (MSMEs) serving the productive inclusive community to
within the inclusive community, experienced foster growth and enable them to lead more
a downward trend. The uneven impact of the meaningful lives. The Bank’s financing initiatives
pandemic across industries and business scales are aimed at supporting the Sustainable
has contributed to disparities in economic Development Goals (SDGs), particularly Goal 1
recovery. Vulnerable populations face a decline (No Poverty), Goal 8 (Decent Work and Economic
in their standard of living when confronted with Growth), Goal 10 (Reduced Inequalities).
health crises, job losses, or natural disasters.
Additionally, climate change has increased In carrying out this mission, BTPN Syariah not
weather pattern uncertainty, disrupted only provides financing solutions but also actively
agricultural systems, reduced both the quality offers financial advisory and literacy programs to
and quantity of crop yields, and contributed the inclusive community. We believe that access
to rising food prices. These factors collectively to financing must be accompanied by financial
weaken purchasing power and economic literacy and entrepreneurship training, enabling
resilience within affected communities. the inclusive segment to manage their businesses
more effectively, enhance their competitiveness,
This reality presents a unique challenge for and create a broader economic impact. Looking
BTPN Syariah in its commitment to fostering ahead, BTPN Syariah will continue to innovate
sustainable excellent behavior within the by offering financial solutions that are not
inclusive community, contributing to Indonesia’s only Sharia-compliant but also aligned with
sustainable development goals. For BTPN sustainability principles. We firmly believe that
PT Bank BTPN Syariah Tbk
Syariah, success is not solely measured by national progress can only be achieved when
financial performance but also by the positive all levels of society have equal opportunities
impact the Bank creates in providing hope to grow. With the “do good, do well” spirit,
and opportunities for a broader community. we are committed to being a trusted partner
Throughout 2024, amid fluctuations in yield in fostering a more inclusive and sustainable
rates within the banking industry, BTPN Syariah economic growth for Indonesia’s inclusive
has made every effort to optimize its financing community.
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building excellent and
sustainable behavior in work
BTPN Syariah begins its commitment to building excellent
and sustainable behavior by continuously enhancing
the competencies of its #bankirpemberdaya, ensuring
they become more skilled in providing optimal service to
customers.
BTPN Syariah proactively designs and develop various strategies
and initiatives to enhance the quality, skills, and dedication of its
#bankirpemberdaya toward the Bank. Additionally, the Bank fosters a
corporate culture centered on harmonious industrial relations, ensuring that
every employee delivers the highest level of service to customers with full
accountability while upholding professional ethics and principles. Furthermore,
we safeguard employees’ human rights by preventing discriminatory practices,
regulating working hours, granting leave for emergencies, and ensuring
opportunities for religious observance. The Bank also maintains a fair and
transparent remuneration system, as outlined in its internal policies. These
measures are expected to strengthen employee loyalty and commitment to
the Bank.
Human rights-related difficulties and risks, particularly for employees, have
the potential to undermine their commitment to the company. As a result,
the likelihood of human rights breaches is reduced by promoting harmonious
industrial interactions. Alhamdulillah, there were no notable human rights
violations impacting BTPN Syariah employees in 2024.
PT Bank BTPN Syariah Tbk
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PT Bank BTPN Syariah Tbk
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fostering
sustainability culture [OJK F.1]
BTPN Syariah continues to initiate various issues. Mandatory training and refreshers on
programs to foster sustainable excellent sustainability are complemented by pre-tests
behavior among #bankirpemberdaya, aiming to and post-tests to ensure 100% of employees
cultivate an agile mindset and the adoption of understand the implementation of sustainable
new working patterns in line with sustainable finance at BTPN Syariah. We hope that all these
finance principles. As a commitment to human efforts ensure the Bank’s sustainable operations
resource development, the Bank strategically now and in the future.
allocates and optimizes investments in
education and training, ensuring that every managing industrial relations
#bankirpemberdayar possesses the necessary
knowledge and skills to fulfill their responsibilities BTPN Syariah continuously conducts studies,
optimally. evaluations, and improvements of services and
policies through the Human Capital Service and
In facing the business transformation towards Policy Improvement program. This initiative aims
digitalization and the shift in work culture to consistently enhance service quality, support
with the entry of younger generations into the business productivity, and strengthen employee
professional world, BTPN Syariah’s Human engagement and loyalty.
Capital plays a strategic role in adapting to these
changes. To this end, various measures have As part of its commitment to human resource
been implemented, including the digitalization management, the Bank actively gathers and
of recruitment and selection processes, the considers employee aspirations in the process
development of a Learning Management System of formulating and implementing policies.
(LMS), and career and leadership development BTPN Syariah ensures that employees’ rights,
programs for key talent within the organization. including the freedom to express opinions, are
Competence in the digital sphere and the accommodated in the Company Regulations,
capacity to deliver emotional service are critical which have been approved by the Ministry of
components in establishing a sustainable Manpower. Since its inception, this regulation has
banking ecosystem, which is BTPN Syariah’s been applied to all (100%) employees of BTPN
major goal. Syariah and is periodically updated to ensure
its relevance and effectiveness. In addition,
As part of efforts to maintain talent continuity, operational communication between employees
the Bank continues to strive to meet workforce and management is conducted in an open and
needs through an inclusive recruitment process, constructive manner, supported by effective
opening opportunities for more individuals coordination between management, the Board
in Indonesia to join. A localized recruitment of Commissioners, and the Sharia Supervisory
strategy remains a priority, particularly for the Board. [GRI 2-30]
position of Community Officer, to empower local
communities and strengthen social engagement The Board of Directors, with a principle of
in the Bank’s operations. prudence, has established a systematic and
structured communication policy before
Meanwhile, the principle of sustainability officially implementing any policy changes.
aligns with BTPN Syariah’s mission to create Recognizing that every strategic decision
outstanding behavior for a more meaningful can have a significant impact on employees,
life. Therefore, we strive to build a sustainability the Bank prioritizes effective socialization
PT Bank BTPN Syariah Tbk
culture among #bankirpemberdaya by to ensure comprehensive understanding.
internalizing sustainability understanding This approach aims to foster a harmonious
through mandatory training, gamification, industrial relationship between the company
and Key Performance Indicators (KPIs) for and employees, ensuring that each policy can be
units responsible for managing environmental, implemented more effectively.
social, and corporate governance (ESG)
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equal work opportunities In addition, BTPN Syariah continues to promote
gender equality in the workplace by providing
BTPN Syariah is committed to implementing equal opportunities for all employees and
various international Human Rights (HR) prospective candidates. The Bank’s primary
standards to ensure principles of equality focus is on empowering women, considering
within the workplace. This aligns with the 1979 that the majority of our inclusive customers are
Convention on the Elimination of All Forms of also women. Through this policy, BTPN Syariah
Discrimination Against Women (CEDAW), the ensures that all #bankirpemberdaya have
1948 Universal Declaration of Human Rights, equal opportunities to grow and contribute to
the 1966 International Covenant on Economic, supporting the Bank’s growth and enhancing the
Social, and Cultural Rights, and the 1966 welfare of the community.
International Covenant on Civil and Political
Rights. Additionally, this commitment supports In hiring new employees, BTPN Syariah applies a
the achievement of Goal 8 of the Sustainable minimum age limit of 18 years old or equivalent
Development Goals (SDGs), which is “Decent high school graduate, to ensure that there is no
work and economic growth.” This goal aims to child labor in the company’s work environment.
promote sustainable and inclusive economic This policy is in line with the Bank’s commitment
growth, broaden access to employment to responsible labor practices and supporting
opportunities, and create a productive and sustainability principles. [OJK F.19][GRI 408-1]
decent work environment for all. [GRI 2-27]
In line with the spread of the ultra-micro
A thorough recruitment and selection process will segment across various regions in Indonesia,
result in #bankirpemberdaya with exceptional the Bank is committed to empowering the local
talent, possessing high-quality skills, and workforce to support operations and expand
dedicated to serving the inclusive community access to financial inclusion. The advantage of
wholeheartedly. Therefore, the Bank continues understanding local culture, wisdom, language,
to enhance the effectiveness of recruitment and the spirit of building excellent behavior
through the refinement of policies, optimization together enables Community Officers (CO)
of the workforce, and improvements in the to interact more effectively with the inclusive
selection process to ensure better targeting and community.
a focus on sustainability.
Other initiatives related to the recruitment of
BTPN Syariah is committed to providing equal digital talent undertaken by the Bank in 2024
rights and opportunities for every individual include:
to work, regardless of ethnicity, religion, race, 1. Continuing the development program
gender, age, or other backgrounds. In the for digital talent programmers through
recruitment process, the Bank prioritizes the the Sharia Intensive Full-Stack Engineer
needs and qualifications that align with the Development (SHIFTED) program, aimed
available positions. BTPN Syariah’s Human at developing talent for the digital banking
Capital policy ensures that recruitment and ecosystem. The SHIFTED program is
selection processes are conducted objectively, developed with in-class training, on-the-job
transparently, and accountably. Employee training, and assistance. Programmers are
selection is based on the alignment of intensively trained in both technical skills and
competencies with the position applied for and leadership to become future Tech Leads.
PT Bank BTPN Syariah Tbk
the Bank’s needs, ensuring that the principle of
equality is upheld at every stage of recruitment.
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2. Continuing the SHINE (Sharia Digital the creation of a healthy and responsible
Ecosystem Apprentice) Management industrial relationship, in accordance with the
Trainee program, by recruiting top graduates applicable laws and regulations.
from universities to develop them into
young leaders with deep capabilities in In the recruitment and management of
understanding BTPN Syariah’s unique employees, BTPN Syariah places equal
business model. The SHINE program started opportunity as a key principle, without
in Q1 2023. Young leaders undergo on-the-job discrimination based on ethnicity, religion,
training with project assignment rotations race, age, or gender. We take pride in
in the Financing, Funding, and Operations offering more opportunities to women, as
directorates. It is expected that from the reflected in our workforce composition. The
SHINE young talent, BTPN Syariah will majority of our workforce at BTPN Syariah,
produce future leaders who have a deep 95% of employees, consists of women. This
understanding of the unique business in the composition adds value in our interactions
ultra-micro segment. with the inclusive society, particularly with
productive mothers. With a high level of
decent and safe working empathy and strong collaboration skills,
our employees can better understand the
environment [OJK F.21] needs and challenges faced by this segment,
enabling them to provide more effective
BTPN Syariah believes that creating a suitable, and meaningful support to sustain their
safe, and supportive work environment businesses.
for employee well-being is key to building
a positive work climate. With a conducive As a commitment to fair treatment for all
work atmosphere, #bankirpemberdaya are employees, the Bank consistently provides
increasingly motivated to perform at their best equal access to competency development,
and contribute positively to the company. performance evaluation systems, and career
advancement opportunities, ensuring that
We are committed to making the workplace every individual has the same opportunity to
a second home for employees, where they grow and contribute optimally.
feel safe, comfortable, and valued. To achieve
this, we implement the Company’s Code of 2. Anti-Discrimination [GRI 406-1]
Ethics, run Occupational Health and Safety BTPN Syariah implements a zero-tolerance
(OHS) programs, and ensure that employment policy towards all forms of discrimination and
relationships and internal communication are harassment based on differences in ethnicity,
based on mutual respect. Furthermore, BTPN religion, race, age, gender, job position, or
Syariah has a strict policy against any form of individual capabilities. The Bank reaffirms its
violence and harassment in the workplace, with commitment to creating a safe, inclusive, and
zero tolerance for actions that could jeopardize fair work environment free from any form of
the safety and comfort of employees in unjust treatment.
performing their duties.
As part of this commitment, BTPN Syariah
Our commitment is reflected in various policies prohibits any actions or statements that
we implement to create a safe, comfortable, and may lead to harassment, whether they
conducive workplace that enhances employee cause discomfort in the workplace or
performance and loyalty, including: conflict with religious and moral norms. Any
PT Bank BTPN Syariah Tbk
1. Fair Treatment of All Employees and discriminatory actions, threats, or violence will
Protection of Human Rights [OJK F.18] be addressed in accordance with applicable
To ensure fair labor practices and create regulations. Throughout 2024, there have
a safe and conducive work environment, been no incidents of discrimination in the
we uphold labor provisions that promote #bankirpemberdaya workplace, reflecting
fairness and respect for human rights, the the effectiveness of this policy in maintaining
Board of Directors ensures the protection harmony and professionalism within the
of employees’ human rights and promotes workplace.
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3. Occupational Health and Safety due to accidents and/or diseases at hospitals
The Bank consistently prioritizes the health that have collaborated in accordance with
and safety of its employees to prevent applicable regulations.
accidents and illnesses in the workplace,
thereby creating a safe and conducive Under certain conditions, employees can
work environment. To support this, the make complaints about working conditions so
unit responsible for the implementation that supervisors can find out and take follow-
of Occupational Health and Safety up on these complaints. If the complaint
(OHS), namely the Business Continuity cannot be resolved by the immediate
Management (BCM) unit, holds monthly supervisor, the employee can escalate to
meetings to discuss the OHS risks faced by a higher level of supervisor if necessary.
#bankirpemberdaya and the measures to The Industrial Relations Unit at the Human
address them. Meanwhile, the Safety and Capital Division is tasked with following up
Security unit, under the coordination of the complaint process in accordance with the
the Corporate Services Division, provides applicable procedures at BTPN Syariah.
updates on the latest security conditions in
the workplace, conducts training and disaster As of 2024, a Labor Union has not been
emergency response simulations, including established in BTPN Syariah. However,
extreme weather, floods, earthquakes, we are committed to creating a work-life
tsunamis, volcanic eruptions, landslides, and balance with a healthy, dynamic and positive
hurricanes, as well as fire drill training to working environment for employees. The Bank
anticipate potential fire incidents. [GRI 403-2] provides facilities for employees in the areas
of sports, health, and religion. Sports builds
We have provided safe riding training for the strengthening of internal synergy through
our Community Officers in collaboration a culture of healthy living by channeling
with Astra Honda Motor, to make them hobbies in sports. Employees across divisions
more aware and cautious while riding their can exercise together through PRISMA Club.
company motorcycles to visit customer Joint sports activities that can be followed
homes. Additionally, we provide equipment are Zumba, Badminton, Running and Cycling.
such as helmets and routine vehicle servicing. The Bank expects joint sports to increase
Despite these efforts, during 2024, the employee engagement and balance their
frequency of work accidents among total work and social aspects.
employees was 2.86%, or 413 incidents,
including one fatality. Furthermore, BTPN Syariah has a
consultation platform for employees through
The Bank has ensured the fulfillment of the the Employee Assistance Program (EAP) or
right for employees to obtain health insurance Kak Ira. EAP or Kak Ira is a place to vent with
and health facilities. BTPN Syariah has experts consisting of Adult & Child Clinical
registered employees with BPJS Kesehatan, Psychologists, Industrial & Organizational
BPJS Ketenagakerjaan, health insurance Psychologists, Psychologists in Education,
and telemedicine. Each of these protections Financial Consultants, and other fields that
has its own card and e-ID to facilitate can help employees in a practical, positive
employees in obtaining the services needed. and results-focused manner. This initiative is
This varied protection aims to meet the expected to increase work productivity and
needs of employees at the first level of health maximize employee potential by reducing the
facilities to employees who need treatment burden of their personal problems.
PT Bank BTPN Syariah Tbk
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Additionally, regular socialization of working, as well as health tips to prevent
occupational health and safety, including the work-related illnesses. Throughout 2024,
safety of accommodations for Community BTPN Syariah has conducted Occupational
Officers (CO), is communicated to all Health and Safety (K3) training for employees
employees as a preventive and educational to improve understanding and skills in the
measure. The information provided includes areas of safety and health at work, as
essential tips for maintaining safety while outlined below. [GRI 403-5]
training organizer date and place of the event
Safety Riding Internal January - December 2024
Guesthouse Security Internal January - December 2024
Natural Disaster & Fire Emergency Response Simulation Internal January - December 2024
Work Accidents Internal January - December 2024
Hygiene and Health Internal January - December 2024
4. Use of Company Facilities and Assets 5. Activities Outside the Company
BTPN Syariah provides adequate facilities and As individuals, employees have the freedom
work equipment to support the effectiveness to participate in organizations or associations
of employee performance in carrying out outside the company, in line with their
their duties. Each member of the Board of interests and capacities. Furthermore, as
Commissioners, Board of Directors, Sharia citizens, employees are entitled to engage
Supervisory Board, and all employees are in political activities; however, they are
responsible for maintaining and protecting not allowed to hold active positions in
the company’s assets, ensuring their efficient political parties. To uphold the integrity
use in accordance with the Bank’s business and compliance with the company’s values,
interests. Therefore, company assets are employees are also prohibited from joining
strictly allocated for the Bank’s operational organizations that are not recognized by
activities and must not be misused for the government or that conflict with the
personal interests or purposes outside the company’s principles and culture.
company’s business.
6. Use of Social Media
Our Head Office facilities, along with the Social media provides employees with the
Parent Entity located at Menara SMBC, opportunity to share insights, knowledge,
feature shared spaces with various and positive information with the wider
entertainment amenities, such as foosball, public. However, to mitigate potential risks
a music studio, and a karaoke room, for both the Bank and individuals, BTPN
which can be utilized after office hours. Syariah has established internal guidelines
Additionally, flat-screen TVs with speakers that provide direction on acceptable and
and technological equipment are available unacceptable conduct in the use of social
for group viewing. Meanwhile, BTPN Syariah media. Employees are required to always
offices are also equipped with canteens and adhere to the company’s policies, procedures,
pantries for employees. Furthermore, BTPN and standards, while safeguarding the
PT Bank BTPN Syariah Tbk
Syariah provides prayer rooms with dedicated security of assets and confidentiality of the
lockers at the Head Office, as well as wudu Bank’s information in all digital activities they
facilities and prayer rooms at all branch engage in.
offices and functional offices for employees
to perform their religious duties.
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The Bank has established a website and implemented with a systematic curriculum,
social media platforms including Facebook, ensuring that each individual receives learning
Instagram, TikTok, YouTube, and LinkedIn as tailored to their roles and responsibilities.
channels for educating and socializing the
Bank’s programs, products, and services. Employee development and infrastructure
These platforms feature, among other things, strengthening aim to ensure that BTPN Syariah
the company’s business profile, business consistently has competent leadership talent
segments, profiles of inspiring employees in the long term. Therefore, the increasingly
and customers, as well as information on structured organizational talent identification
career opportunities or job openings at process is followed by a variety of employee
BTPN Syariah. Under the supervision of the development programs, including in-class
Corporate & Marketing Communication training, both online and offline, combined with
Division, BTPN Syariah routinely conducts assistance, assignments, and rotations. This aims
educational initiatives via social media for to provide #bankirpemberdaya with broader
employees. exposure, proven competencies, and resilience in
facing various challenges.
Bank employees are encouraged to always
act carefully and courteously when expressing BTPN Syariah continues to develop automation
opinions, both personally and during in business processes and operations to improve
corporate activities that are displayed on efficiency and work effectiveness. With faster
social media. BTPN Syariah has implemented and more accurate information updates,
a socialization program that is carried out decision-making can be more responsive, thereby
periodically regarding social media security. boosting employee productivity. Additionally, the
Various tips are shared with employees to development of online learning infrastructure
create awareness and protect them from is continually strengthened to regularly reach
potential crimes committed by irresponsible more employees in the field. This allows them to
parties through social media. The tips and access the training they need, whether for career
recommendations shared include guidance on development or meeting mandatory training
avoiding downloading files in public spaces, programs.
being cautious of pop-up ads that frequently
appear when using public hotspots, not
clicking on random ads, being vigilant about In terms of information transparency, BTPN
fake accounts impersonating BTPN Syariah by Syariah optimizes the use of information
not providing sensitive personal information technology, including through social media, as
on social media, reporting fake accounts that part of implementing the Corporate Governance
use the BTPN Syariah name, the dangers of Guidelines. This step ensures that the principle
malware, and tips to combat phishing. of information transparency is widely, effectively,
and beneficially applied for all stakeholders.
competency and capacity
The Human Capital (HC) Division has
development [OJK F.22] developed and implemented training and
development programs using both internal and
BTPN Syariah continuously strives to enhance external training methods, as well as through
employee competencies within the sustainable assignments to gain insights and unlock
banking ecosystem through the development more employee potential. HC is responsible
of the “Grow Right, Full Benefit” career for providing policies, procedures, and work
PT Bank BTPN Syariah Tbk
path, designed as a structured training and processes that support training, ensuring that
development program for Customer Officers training is well-conducted, meets its objectives,
(CO). In addition, various training programs aligns with the Bank’s needs, and complies with
for other employees are also developed and applicable regulations.
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Collective training programs are directed using sessions are held with speakers from both
e-learning modules, gamification, and bite-size internal teams and external agile practitioners.
approaches to help employees better understand
the learning material. Since 2018, BTPN Syariah has adopted the
Agile Software Development methodology
BTPN Syariah has developed a structured to improve work efficiency and flexibility. The
training and certification curriculum in 2023, implementation of this agile mindset is managed
specifically designed for the field teams, by the People Talent Squad (PTS) through
Community Officers (COs) who directly serve insight-sharing sessions that involve both
customers. This curriculum is expected to internal speakers and external practitioners.
enhance competencies in line with the career In addition, the Community of Practices (CoP)
development of COs, while also preparing them is formed as an expertise-based learning group
to become highly capable field leaders who grow to strengthen the development of skills in
efficiently and effectively. various fields. To measure the effectiveness
of implementing an agile mindset, an Agile
All of these initiatives are supported by an Health Check is conducted every Q1, and the
adaptive work culture that encourages the results are used as the basis for improvement
implementation of an agile mindset and new recommendations, which are then followed up
ways of working, enabling employees to be more in dialogue sessions between management and
flexible, innovative, and ready to face challenges employees.
in the sustainable financial industry. BTPN
Syariah ensures equal access for all employees to Training facilitators are provided with special
participate in training programs to continuously training on teaching methods both in-person and
hone their competencies and skills that support online. The employee development program for
career development. leadership levels at BTPN Syariah is held through
training focused on understanding personal
Various innovations in development programs strengths and how to harness them to become
are implemented through both online and offline effective leaders.
methods, as well as various relevant assignments
aligned with each employee’s field of work. Through the provision of an MBA scholarship
In this regard, the Human Capital Division is program in collaboration with leading business
responsible for providing policies, procedures, and schools in Indonesia, the Bank strives to build
governance for training that align with applicable organizational talent at the middle-management
regulations. level, enabling them to think strategically and be
ready to face future organizational challenges.
The new way of working (NWW) system is In-depth assessment programs are conducted
implemented by forming small teams (squads) to build the bench strength of future leaders.
aimed at enhancing collaboration, consisting Collaboration programs with universities are also
of talent from various relevant divisions that developed.
complement each other. This is intended to
generate faster productivity that meets user/ BTPN Syariah continues its cooperation with
customer needs. We continuously adopt and the Kampus Merdeka program in 2023, offering
implement the NWW methodology to further internships for final-year students. Supervisors/
strengthen collaboration and expedite the mentors have been prepared for students joining
implementation of process improvements. this program to ensure the quality of education
is well maintained. Successful internship
PT Bank BTPN Syariah Tbk
Training and sharing sessions related to NWW participants have the potential to become part
are conducted more intensively by forming small of the talent pipeline for future employees at
groups to study and deepen specific skills, known BTPN Syariah.
as Communities of Practice (CoP). Sharing
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sustainability report 2024 | sustainability performace
In addition to professional competency Throughout 2024, BTPN Syariah’s Human Capital
development, BTPN Syariah also supports the Division conducted an average of 5.59 hours of
enhancement of employees’ spiritual quality training for male employees and 9.36 hours for
through the PRISMA Club, which organizes female employees. This competency development
various religious activities. Regular religious program is designed to support the business in
programs include Tausiyah and 1-Hour sessions building sustainable excellent behavior, ensuring
with Ustadz. Throughout 2024, 46 Barokah that every initiative undertaken is aligned with
Friday Tausiyah and 12 Tausiyah on other days the company’s long-term growth vision.
were held, involving employee participation. It is
hoped that through this program, employees can
strengthen their spiritual values, which will serve
as the foundation in shaping future leaders with
characters that align with Sharia principles.
average training hours by employee category and gender [GRI 404-1]
training hours a year average training hours
position Level
male female male female
Commissioner 64.70 28.25 7.19 9.42
Committee - 79.00 - 9.88
Director 117.00 54.25 5.09 13.56
Executive Officer 356.67 466.00 4.51 4.40
PE & 1-Down 610.15 257.50 5.45 5.85
Employees 23,169.60 600,718.17 5.09 13.03
Total 24,318.12 601,603.17 5.59 9.36
training on social and environmental issues [OJK E.2][GRI FS4]
In line with the implementation of POJK 51/ Additionally, the Board of Directors and the
POJK.03/2017 regarding the Application of Board of Commissioners also participate in
Sustainable Finance for Financial Service mandatory core training on sustainability
Institutions, Issuers, and Public Companies, BTPN awareness. This training aims to introduce and
Syariah has established sustainable finance as integrate Environmental, Social, and Governance
one of the main focuses of its employee learning (ESG) principles into all aspects of financial
programs. activities, products, and services. We hope
this training will enhance their understanding
The Bank provides opportunities for employees while strengthening the awareness of all
at various levels to develop competencies in #bankirpemberdaya in supporting the
sustainable finance, including through specialized sustainability agenda. Throughout 2024, this
training for the Sustainability Task Force, which training will be provided to all employees to
consists of cross-Directorate representatives and ensure that sustainability practices become an
various levels of positions. integral part of the company’s operations.
PT Bank BTPN Syariah Tbk
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training date facilitator shape participant
Cool Mandatory In Class 2024 Internal Training Employee
Safety & Security February 2024 Internal Training Employee
Emergency Response Simulation April – Nov 2024 Internal Training Employee
International Islamic Monetary Economics
and Finance Conference and Call for
Papers (IIMEFC): Promoting Inclusive and
August 2, 2024 JIMF Conference Director
Sustainable Growth with Sharia Economy
Amid the Age of Digitalization and Global
Uncertainty
talent-based career development
BTPN Syariah is committed to fully supporting 2. Leadership Development Training
its employees in developing their careers and • Leaders With Purpose (LEAP)
competencies by establishing a talent pool, This program aims to ensure continuous
which serves as a platform for exceptional leadership regeneration at BTPN Syariah
talent with outstanding performance and solid by preparing future leaders to face
expertise. This initiative aims to create future upcoming business and organizational
leaders who are ready to guide the organization challenges.
toward sustainable growth. The talent pool is • Leadership Refreshment Program
developed through a rigorous selection process, This training is intended for division heads
which includes specialized training programs and senior department heads who have
and rotational placements across various extensive leadership experience. Its goal is
divisions. This approach provides participants to refresh their leadership understanding
with opportunities to broaden their professional in the context of future challenges and
insights and hone their leadership skills, organizational conditions.
preparing them to face future challenges. • Leadership Series
This training is designed for leaders
Additionally, BTPN Syariah also offers pre-service to sharpen their skills and readiness
training programs for employees who receive in leading change, managing teams,
job promotions. Below is a brief overview of the communicating with stakeholders, and
various pre-service training programs organized managing expectations. In 2024, the
by the Bank: [GRI 404-2] Leadership Series program has been
conducted twice (Leadership Refreshment
1. Training for Executive Officers Program on January 11-12, 2024, and
• Advanced Personal Branding & Public Leadership Series Project Presentation to
Speaking Respective Director on March 27, 2024).
This training is designed to help individuals • Leadership Development Program
identify their personal characteristics and This training aims to prepare leaders to
present an image that effectively conveys lead change, manage teams, communicate
ideas, thoughts, and opinions assertively with stakeholders, and achieve objectives.
when representing the organization. • Business Manager Leadership Excellence
• Advance and Intensive Public Speaking This program aims to enable Business
Training Managers to build the capacity and skills
PT Bank BTPN Syariah Tbk
This training focuses on providing an needed to develop their teams, collaborate
understanding of clear, systematic, and effectively to empower stakeholders,
effective communication. and execute with discipline for business
continuity.
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sustainability report 2024 | sustainability performace
• Tepat Leadership 4. Training for Community Officers (CO)
This training aims to refresh the technical • Cool Class
knowledge of leaders in the field, enabling A face-to-face technical learning session
them to emphasize the correct procedures that includes lectures, simulations, and
to their teams. role play. This training is designed for newly
• Leadership for First Line Managers joined COs who have completed training
This training is designed for leaders at the with the Cool application, facilitated by a
early stages of their leadership journey, facilitator or Business Manager.
preparing them to lead change, manage • Nostalgia Tepat
teams, communicate with stakeholders, This training refreshes the technical
and manage expectations. knowledge of COs in the field, enabling
• Becoming a Trusted Leader for Business them to reinforce the correct procedures in
Manager daily operational activities.
Business Managers • Learning Management System (LMS)
This training aims to refresh the Various learning modules are provided
knowledge and skills of Business for COs to help them develop their
Managers, enabling them to optimize the careers. The LMS is designed to facilitate
potential and capacity of their teams. self-learning, supporting continuous
• Growth Mindset development., supported by their
This training is designed to develop respective supervisors, while also allowing
personal qualities through effort. While for a direct assignment system to ensure
each individual may differ in areas such the optimal mastery of skills.
as talent, interests, or temperament, this 5. Counseling and Seminar on Adapting to New
training emphasizes that everyone has the Habits
potential to change and grow through a This seminar is conducted for employees to
shift in mindset. emphasize the importance of maintaining
• Landmark Forum health, practicing safety riding, and being
This training focuses on transformative disaster-responsive.
learning methods aimed at enhancing the 6. Employee Assistance Program (EAP)
participants’ quality of life. It helps them The EAP is a professional support program
think and act more proactively in various designed to help both the company and
aspects of life, including personal life, work employees address productivity issues and
and profession, social networking, and personal problems that affect performance
other areas. and interpersonal relationships, both in the
3. Training for Staff workplace and in personal life.
• Resilient Together Training 7. Leadership & Inclusive Training (LIT)
#bankirpemberdaya This program instills inclusivity values and
This training aims to inspire self- promotes a better understanding of the world
motivation to remain productive and build of disabilities. Since 2021, BTPN Syariah has
sustainable high-performance behavior. been collaborating with the Helping Hands
• Effective Interviewing Foundation (YHH), a non-profit organization
This training focuses on interview with a mission to promote inclusivity through
techniques commonly used in recruitment/ character development programs that
selection processes. Interviewing skills bridge the worlds of people with and without
are essential for staff involved directly in disabilities. As of 2024, 64 BTPN Syariah
recruitment and selection. Through this employees have participated as volunteers
PT Bank BTPN Syariah Tbk
program, participants will be equipped in the Leadership & Inclusive Training (LIT)
with the skills to conduct interviews program with YHH, serving as mentors to
effectively and correctly, ensuring optimal 12th-grade students at Special Needs Schools
results. (SLB). The interaction between mentors
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and SLB students is aimed at personal pre-retirement training [GRI 404-2]
development, helping students gain a broader
perspective and a better understanding BTPN Syariah organizes pre-retirement training
of the workforce and career development for employees approaching retirement age to
experiences from their mentors. It fosters the assist them in transitioning in a well-planned
belief that they have equal opportunities if and optimal manner. This program is designed
they work hard to develop their potential. For to provide relevant insights into various aspects
mentors, this interaction provides a deeper of life after the end of their career, allowing
understanding of the world of disabilities and employees to prepare financially, physically, and
enhances their leadership skills, grounded in mentally before entering retirement.
social sensitivity and empathy. The internship
program for people with disabilities who were Through this training, employees are equipped
previous participants of the LIT program is with knowledge on financial and asset
continuously being expanded. We hope this management, strategies for maintaining health
program provides better understanding of the and well-being, as well as ways to adjust their
world of disabilities and increases empathy lifestyle in retirement. This initiative aims to
among more BTPN Syariah employees. help employees enjoy a more comfortable,
independent, and fulfilling retirement while
remaining productive in their post-career life.
in 2024, pre-retirement training was conducted in (month) 2024, with 9 employees participating,
detailed as follows:
date training title location number of participants organizer
MPP Program - Tips for
December 2-6, 2024 Bandung 9 employees Qubisa
Retirement & Entrepreneurship
employee productivity
The level of employee productivity at BTPN Syariah is measured through the Earnings per Employee
indicator, which reflects the efficiency of each employee’s contribution to the bank’s financial
performance. This ratio has been successfully maintained or increased, as indicated by the following
data:
2024 2023 2022
Profit 1,061 1,081 1,780
Number of Employees 14,425 14,310 12,781
EPE 7.35% 7.55% 13.90%
The Earnings per Employee (EPE) indicator shows that every activity and budget allocated for
employee competency development has had a positive impact on the company’s performance. The
increase in productivity, reflected in the Earnings per Employee ratio, indicates that investments in
training and human resource development have made a significant contribution to enhancing work
effectiveness and driving sustainable business growth.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability performace
KPI-based performance evaluation performance review process, the Bank aims to
continuously enhance employee engagement and
BTPN Syariah regularly evaluates the motivation, encouraging them to keep developing
performance of 100% of its employees at and remain committed to serving the inclusive
every job level based on the Key Performance community segment.
Indicators (KPIs) that have been established
for both teams and individuals. These KPIs
are designed and set at the beginning of the As a form of appreciation for employee
year as a reference for managing performance contributions, BTPN Syariah implements a
systematically. They serve not only for the transparent and fair salary structure and scale.
management of individual, team, and company The Bank is committed to ensuring that the base
performance but also as a foundation for salary for new employees at the lowest level is
developing employees’ career growth strategies. no lower than the applicable minimum wage
[GRI 404-3] (UMR) in the respective regions where they work.
This salary amount is periodically evaluated and
This KPI-based performance evaluation continues adjusted, taking into account inflation rates, the
to be implemented with relevant adjustments financial condition of the company, benchmark
to align with business conditions. Each year, salary survey results, and employee performance.
employee performance results are reviewed and Below is a comparison of the base salary for new
assessed based on their job levels. Through the employees at the lowest level with the UMR.
comparison of the basic salary of new employees at the lowest level with the minimum wage [OJK F.20][GRI 405-2]
2024 2023 2022
area
base
UMR ratio base salary UMR ratio base salary UMR ratio
salary
Jakarta 5,067,500 5,067,500 1:1 4,902,000 4,902,000 1:1 4,642,000 4,642,000 1:1
Bandung 4,209,500 4,209,500 1:1 4,048,500 4,048,500 1:1 3,775,000 3,775,000 1:1
Semarang 3,244,000 3,244,000 1:1 3,420,000 3,060,500 1.12 : 1 3,080,000 2,835,500 1.09:1
Surabaya 4,725,500 4,725,500 1:1 4,525,500 4,525,500 1:1 4,411,000 4,411,000 1:1
Medan 3,769,500 3,769,500 1:1 3,624,500 3,624,500 1:1 3,371,000 3,371,000 1:1
Makassar 3,643,500 3,643,500 1:1 3,523,500 3,523,500 1:1 3,295,000 3,295,000 1:1
Kupang 2,250,500 2,250,500 1:1 2,715,000 2,188,000 1.24 : 1 2,510,000 1,975,000 1.27:1
Banjarmasin 3,380,000 3,380,000 1:1 3,500,000 3,236,500 1.08 : 1 3,228,500 3,228,500 1:1
Pontianak 2,840,500 2,840,500 1:1 2,800,000 2,751,000 1.02 : 1 2,710,000 2,580,000 1.05:1
Samarinda 3,497,500 3,497,500 1:1 3,329,500 3,329,500 1:1 3,138,000 3,138,000 1:1
employee appreciation
In addition to the base salary, BTPN Syariah establishes a compensation policy based on the Salary
Grade Level (SGL) range, which reflects a balance between position levels, duties, and responsibilities
for each individual. Employees also receive various allowances and additional benefits, including
PT Bank BTPN Syariah Tbk
Holiday Allowance (THR), health insurance, pension funds, and leave entitlements, in accordance with
applicable regulations. [GRI 401-2]
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We value our employees by not practicing forced during the preparation and post-delivery period,
labor in all work activities at BTPN Syariah. with a guarantee of being accepted back into
The provisions regarding working hours and work after the maternity leave ends. During the
breaks, as regulated in the Company Regulations leave period, employee rights, including salary
Chapter IV – Working Hours, Articles 13 and and various benefits, are fully maintained.
14, serve as the foundation for BTPN Syariah.
Employees who are required to work beyond the BTPN Syariah supports the return-to-work
established working hours will be compensated program for female employees after maternity
with overtime pay in accordance with applicable leave to ensure a smooth transition in balancing
labor regulations. This ensures that the Bank their professional and personal roles. Specifically,
adheres to fair working practices, with employees we have established lactation rooms equipped
having reasonable working hours and sufficient with refrigerators to meet the needs of
rest time. [OJK F.19][GRI 409-1] breastfeeding mothers. This facility upholds the
rights of female employees and their children,
leave entitlements [GRI 401-3] enabling returning employees to continue
providing exclusive breastfeeding to their
In addition to annual leave, as a company children. This initiative also supports Government
with 95% female employees, BTPN Syariah Regulation Number 33 of 2012 regarding the
understands the importance of balancing provision of exclusive breastfeeding.
professional and personal life. Therefore, the
Bank implements a fair and inclusive leave policy, With this policy, the Bank aims to create a more
in line with applicable labor regulations, while inclusive work environment, support employee
also considering the specific needs of employees, productivity, and promote career sustainability
especially married women who play dual roles in for women in the Sharia banking industry.
both their work and family responsibilities. Below is the data of married female employees
eligible for maternity leave, female employees
BTPN Syariah provides maternity leave for who have taken maternity leave, and those who
married female employees, granting a total of 90 have returned to work after completing their
(ninety) days in accordance with regulations, to maternity leave.
ensure the well-being of both mother and child
description 2024 2023
The number of employees eligible for maternity leave 4,125 4,189
The number of employees who took maternity leave 630 680
The number of employees who returned to work 522 567
The percentage of female employees who took maternity leave, then returned to
82% 83%
work and were retained
In addition to maternity leave, leave entitlements based on length of service and position, as outlined
in the Human Capital Policy, are also applied, such as annual leave, religious leave, paternity leave,
bereavement leave, and emergency leave.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability performace
remuneration policy As a commitment to the principle of meritocracy,
BTPN Syariah provides remuneration to
BTPN Syariah implements a remuneration employees based on performance and
program to maintain motivation and encourage achievement, both for fixed and variable
optimal contribution from top talent, ensuring compensation. In the performance management
the growth and sustainability of the company. system, each employee has individual targets
This policy is designed with consideration of risk that serve as a reference for evaluating their
management effectiveness, financial stability, achievements. Remuneration adjustments
capital adequacy, short- and long-term liquidity are made objectively based on performance
needs, potential future income, and compliance evaluation results, where management provides
with Sharia principles. guidelines that govern the adjustment of both
fixed and variable compensation in line with
The Bank has established a Remuneration individual performance outcomes.
Policy in accordance with the Financial
Services Authority (OJK) Regulation No. 59/
POJK.03/2017 on the Implementation of
determination of Bank organs’
Governance in the Provision of Remuneration remuneration
for Sharia Commercial Banks and Sharia The determination of remuneration and
Business Units (POJK 59). Under this policy, additional benefits for the Bank’s Organ (Board
remuneration at BTPN Syariah consists of of Commissioners, Sharia Supervisory Board, and
two main components: fixed remuneration, Board of Directors) follows the decision of the
which is provided consistently in accordance shareholders as set out in the General Meeting
with applicable regulations, and variable of Shareholders (GMS), with consideration of
remuneration, which is based on the achievement recommendations from the Nomination and
of individual and company performance. Remuneration Committee. In determining
remuneration for each member of the Board of
Through this policy, BTPN Syariah ensures that Commissioners, Sharia Supervisory Board, and
the remuneration system implemented is fair, Board of Directors, the Bank considers various
competitive, and aligned with Sharia principles, aspects, including:
thereby enhancing performance, productivity, 1. The overall financial and operational
and long-term business sustainability. performance of BTPN Syariah.
2. Individual performance evaluations of each
BTPN Syariah determines employee member of the Bank’s Organ.
remuneration based on job levels, competencies, 3. Fairness of remuneration based on
and individual performance evaluations, ensuring comparisons with peer groups in the banking
there is no gender-based disparity in the industry.
compensation system across all levels. 4. The financial capability of the company to
provide competitive compensation.
The Bank has a Remuneration Policy aimed at
ensuring that compensation is aligned with As part of the transparency and good
applicable regulations, the company’s financial governance policy, the Bank ensures that the
performance, individual achievements, and
remuneration for the Bank’s Organ not only
industry peer group standards. Additionally,
encourages performance improvement but also
this policy is reviewed periodically to adjust to
business conditions and maintain a balance supports the achievement of the company’s
between fixed and variable remuneration, while long-term goals sustainably. [GRI 2-18, 2-19, 2-20]
still considering effective risk management
principles, financial stability, future income
PT Bank BTPN Syariah Tbk
projections, and compliance with Sharia
principles. [GRI 405-2]
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Proposal &
Study Recommendation Decision
1. Survey to Obtain Based on External 1. Board of Commissioners
Remuneration Benchmark Benchmark and regarding remuneration for
Data A survey is conducted Company Performance the members of the Board
to obtain benchmark Data (eksternal), of Commissioners, Sharia
remuneration data for the the Nomination and Supervisory Board (DPS),
Board of Commissioners, Remuneration Committee and Board of Directors.
Sharia Supervisory Board prepares proposals/ 2. General Meeting of
(DPS), and Board of recommendations for Shareholders (GMS)
Directors from several the remuneration of each approval of the total
banks in Indonesia. If member of the Board of remuneration for the
necessary, the Committee Commissioners, Sharia Board of Commissioners,
may appoint/collaborate Supervisory Board (DPS), Sharia Supervisory Board
with a Consultant/ and Board of Directors to (DPS), and Board of
Independent Party to obtain be submitted to the Board Directors.
more accurate data. of Commissioners.
2. Nomination and
Remuneration Committee
The Nomination and
Remuneration Committee
conducts a review of
the Bank’s performance,
which also reflects the
performance of the Board
of Commissioners, Sharia
Supervisory Board (DPS),
and Board of Directors.
BTPN Syariah ensures that the determination of To ensure that the remuneration policy remains
the remuneration policy for the Bank’s Organs is aligned with industry standards, BTPN Syariah
carried out fairly, equitably, and transparently, engages external consultants to obtain data
taking into account various relevant factors. In on both fixed and variable remuneration for
terms of oversight, the Bank has established specific positions. This data is gathered through
a Nomination and Remuneration Committee remuneration surveys involving several banks
at the level of the Board of Commissioners, with comparable business and operational
which is responsible for providing independent models. This survey serves as one of the key
professional opinions regarding the nomination references in developing a competitive and fair
and remuneration policies applied by the Bank. remuneration policy for all employees and the
Additionally, the Human Capital Committee at Bank’s Organs.
the level of the Board of Directors is responsible
for formulating policies, strategies, and the In order to maintain alignment in the overall
implementation of remuneration programs for remuneration policy, the Human Capital Division
employees and the Bank’s Organs. of BTPN Syariah consolidates these efforts In
coordination with the Parent Entity, to develop
As part of the policy evaluation and refinement various alternative remuneration programs that
process, the Committee may seek independent can be considered by the Board of Directors and
professional opinions, including conducting Board of Commissioners in decision-making
benchmarking with peer groups in the banking related to the compensation and incentive
industry, to ensure that the Human Resources policies at the Bank. Through a transparent,
(HR) policies, including remuneration, remain data-driven approach aligned with best practices
PT Bank BTPN Syariah Tbk
competitive and in line with industry standards. in the industry, BTPN Syariah is committed to
providing fair, competitive, and performance-
oriented remuneration to support employee
well-being while fostering sustainable business
growth.
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sustainability report 2024 | sustainability performace
employee turnover
50% of BTPN Syariah employees are high school To address this challenge, BTPN Syariah
graduates or equivalent, and for many of them, proactively enhances the recruitment process to
their work experience at the Bank is their first job ensure smooth operations and maintain business
after completing their education. With diverse stability at a secure level. Additionally, the
backgrounds, conditions, and expectations Bank continues to improve the effectiveness of
regarding the workforce, employees are also adjustments for new employees, enabling them
faced with challenges in adapting to a new work to adapt more easily to the work environment
environment. The combination of these factors and meet operational needs on the ground more
contributes to the current turnover rate. effectively.
employee turnover [GRI 401-1]
2024 2023 2022
67,8% 55,4% 44,8%
number of employees percentage of employees
employee turnover
(in the reporting year) (in the reporting year)
Number of Employee Left 9,791 67,88%
Number of New Employee 10,405 72,13%
employee turnover based on age group and gender [GRI 401-1]
2024 2023 2022
age group
male female male female male female
< 25 Years 7 5,997 8 4,855 10 3,354
25 - 29 Years 18 2,933 21 2,338 23 1,894
30 - 34 Years 12 697 17 262 14 192
35 - 39 Years 18 81 11 33 16 34
40 - 44 Years 4 7 13 6 9 4
45 - 49 Years 3 1 5 4 2 7
50 - 54 Years 3 2 1 2 1 1
55 - 59 Years 5 3 4 3 4 3
> 59 Years 0 0 1 0 1 0
Sub Total 70 9,721 81 7,503 80 5,489
Total 9,791 7,584 5,569
employee turnover based on operation region and gender [GRI 401-1]
2024 2023 2022
operation
region
PT Bank BTPN Syariah Tbk
male female male female male female
East Indonesia 3 1,004 3 658 2 541
Jabodetabek 26 33 36 34 36 285
Java 35 6,293 36 4,976 35 3,274
Kalimantan 1 375 2 257 2 208
Sumatera 5 2,016 4 1,578 5 1,181
Total 70 9,721 81 7,503 80 5,489
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reasons for resignation [GRI 401-1]
2024 2023 2022
reasons
male female male female male female
Self-Demand 42 3,667 57 3,046 47 2,594
Disciplinary
Penalties and
18 6,024 15 4,371 20 2,754
Layoff of
Defaulters
Retirement 4 3 2 1 6 4
Expiration of 4 13
Employment 4 67 2 124
Contract
Other* 2 14 3 18 5 13
Total 70 9,721 81 7,503 80 5,489
* failed probation period
BTPN Syariah has undertaken various efforts to
employee engagement
reduce turnover rates by:
1. Effectively implementing the BIJAK BTPN Syariah views its unique business model as
onboarding program. part of a “people business,” where the company’s
2. Applying stay rate incentives for Customer success heavily depends on the contributions of
Officers (COs) residing in the Dormitory. thousands of field employees who serve over 3.8
3. Introducing the Bunda Pintar program to million financing customers. Therefore, listening
address the needs of COs, the majority of to feedback and aspirations from employees is
whom are women of productive age, while crucial to maintaining business sustainability and
strengthening the value proposition for enhancing employee engagement. Since 2022,
female employees in the company. BTPN Syariah has routinely conducted Employee
4. Improving recruitment productivity and Engagement Surveys (EES) in collaboration
sourcing quality through the KAGUM program with experienced and globally reputable
to expedite the fulfillment of CO positions. consultants. This survey aims to measure the
5. Enhancing the role of line managers in level of Employee Engagement and Enablement,
managing team members through a series of reflecting the extent to which employees are
leadership training. committed and loyal, as well as how they feel
the company has provided adequate support
BTPN Syariah continues to work on improving to enhance their productivity and career
employee engagement by: development.
1. Developing an Employee Engagement
Playbook to design engagement programs in In 2024, the results of the Employee Engagement
each division. Survey (EES) showed an Engagement score
2. Running training programs across all levels. of 70% and an Enablement score of 76%,
3. Shortening the communication channel with a participation rate of 90% from the
between supervisors and subordinates total employees. Although there was a slight
through various communication channels decline compared to the previous year’s results,
PT Bank BTPN Syariah Tbk
both online and offline. the employee participation rate in the survey
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sustainability report 2024 | sustainability performace
increased. BTPN Syariah’s employee engagement being, financial management, awareness of
results remain higher than the average EES of information security, and fraud prevention.
high-performing companies globally, indicating Additionally, communications regarding the
that the majority of employees feel that the importance of maintaining health and creating a
company provides good attention and support positive and healthy work environment are also
for their growth. shared through email blasts. These messages
are supported with engaging illustrations
As a commitment to employee well-being, to enhance understanding and employee
BTPN Syariah will continue to conduct the EES involvement. Through these efforts, the company
regularly each year and follow up on feedback aims to create a more inclusive, productive, and
provided by employees. Some aspects that will sustainable work environment, enabling each
receive special attention for future development employee to grow and contribute their best to
include: the company.
1. Enhancing structured training programs to
reach more employees in developing their
employee management plan
competencies.
2. Refining pay and benefits policies to for 2025
improve employee welfare and maintain
competitiveness within the industry. In 2025, we are committed to enhancing the
3. Increasing the frequency of communication employee experience through various strategic
and face-to-face dialogues, both in person initiatives. These efforts include structured
and via online platforms, to strengthen onboarding, employee development based on
employee engagement across divisions. Individual Development Plans (IDP) to improve
competencies and career growth for each
BTPN Syariah continues to maintain open individual, as well as implementing objective
communication channels to ensure that performance management. Furthermore, we are
employees feel heard and receive optimal focusing on improving employee engagement
attention. To build strong relationships with through programs that strengthen the sense
employees, BTPN Syariah provides effective of care and concern from leaders toward their
communication media to expedite the delivery teams. To support this focus, we will develop
of information related to the Bank, the Parent an employee well-being program that fosters
Entity, and the national banking industry. This enthusiasm and collaboration among employees.
information is presented concisely, clearly, Additionally, the effectiveness of all programs
and informatively through e-newsletters and will be consistently monitored and evaluated to
webinars. The e-newsletter covers various ensure the achievement of optimal results.
topics such as health tips, psychological well-
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building sustainable
excellent in customer behavior
We continuously innovate and improvise to enhance the
reliability of BTPN Syariah’s products and services. We
are committed to delivering high-quality Sharia banking
products and services to all our customers. BTPN Syariah
ensures the security of customer protection, resolves
complaints thoroughly, and updates technology to support
customers in achieving their goals.
Through the Bank’s financing, we channel funds to productive underprivileged
customers who are striving to achieve their dreams of a better life. With a
commitment to fostering sustainable excellence, the bank strives to offer
high-quality financial solutions and services that are equally accessible to the
inclusive society, helping them grow into inspirational figures. Furthermore,
BTPN Syariah is entrusted with providing the best services to its customers
in accordance with the principles of good governance and Sharia compliance.
Based on the belief that customer satisfaction is a key factor in improving the
bank’s performance and ensuring its business continuity, we are committed
to continually enhancing service quality to achieve customer satisfaction.
Meanwhile, our products are accompanied by mandatory financial literacy
guidance aimed at increasing the inclusive society’s knowledge about our
products. Further details on this can be found in the section on building
sustainable excellence in behavior for others.
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innovation and development of
sustainable financial products/services [OJK F.26]
We provide solutions through Sharia-based In the future, we will continue the development
banking products and services, taking into and innovation of digital Sharia products and
account the conditions, backgrounds, and services with an agile approach to further
geographical locations of the inclusive society. enhance service, convenience, and security in the
Through this mindset, we strive to mitigate Sharia banking ecosystem, based on the spirit of
and provide solutions to the issues faced by the fostering sustainable excellence in behavior. [417-1]
inclusive society. We recognize that with the
advancement of technology, the inclusive society Here are the digital innovations in Sharia banking
is required to quickly recognize and adapt. Our services that we have at BTPN Syariah:
digital Sharia banking ecosystem is realized to 1. TEPAT Mobile Banking and Internet Banking
drive economic growth in the inclusive segment. for Funding Customers
Providing easy and efficient payment facilities
Innovative and adaptive digital Sharia banking through Mobile Banking and Internet Banking
solutions are implemented gradually through is expected to optimize access to banking
the development of applications with efficient services for customers. The development of
and effective automation. These applications internet banking, along with its complete
simplify usage for customers, partners, and features, is part of utilizing technology for
#bankirpemberdaya. BTPN Syariah is grounded the convenience of both individual and group
in one mission, which is the use of technology funding customers.
for good. This innovation helps ease access
to banking services for the inclusive society in The Tepat Mobile application simplifies the
underserved and remote areas of Indonesia, banking service process, enabling customers
which have previously been unreachable by to perform transactions online and self-
banking services. [GRI FS13, FS14] service without needing to visit a Branch
Office. This application can be downloaded by
The digitalization of Sharia banking services BTPN Syariah funding customers through the
supports the empowerment of the inclusive Play Store (Android) and App Store (iOS).
society. We hope the loyalty of all customers,
both deposit and financing customers, towards The services offered begin with digital
the bank increases. At the same time, the account opening via the online onboarding
management of deposit customers’ funds by feature, followed by payment transactions
the bank, which is channeled for business capital with the QRIS payment feature that can
financing for financing customers, can be done be used at merchants adopting the system.
more efficiently. Additionally, interbank transfers with BI-
fast are very helpful for customers to make
All of these digital technology-based service online transfers at lower costs. To further
innovations ultimately enhance satisfaction, enhance transaction security for customers,
comfort, and ease for #bankirpemberdaya the application is equipped with the electronic
in assisting customers in accessing banking Know Your Customer (eKYC) feature.
services at BTPN Syariah. Our product and
service innovations are designed to be simple,
user-friendly, and secure, with regular usage
guidance. This becomes a key to the successful
PT Bank BTPN Syariah Tbk
improvement of digital literacy and the welfare
of the inclusive society in Indonesia.
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Additionally, for funding customers who wish 3. Terra (Tepat Prospera) untuk
to make a waqf (charitable endowment), #bankirpemberdaya
the Bank offers the Cash Waqf Linked All #bankirpemberdaya field officers,
Deposit product. The goodwill of funding including Community Officers (CO),
customers in sharing the proceeds from have been equipped with Android tablets
deposit agreements and other profit-sharing containing the Terra application to serve
arrangements has been approved by the the inclusive community in general,
Sharia Supervisory Board. We hope that and financing customers specifically.
the generosity of funding customers for Developed with an agile mindset, the Terra
the benefit of the inclusive community in application streamlines the customer
Indonesia will increase their acts of kindness. financing application and approval process,
as well as operational activities related
2. Sitepat for Financing Customers to daily tasks of the field team, making
The Tepat Pembiayaan Syariah Individu the #bankirpemberdaya activities more
Komunitas (TPSIK) product is offered to transparent and efficient. The process
existing community financing customers time via Terra is more accurate and faster
who meet the Bank’s criteria. The acquisition compared to manual methods. In addition
process is carried out through verification and to these benefits, the use of paper by the
eligibility assessment by the Bank’s officers. field team is also minimized through this
Additionally, individual financing customers application.
are provided with the Sitepat application,
which helps them monitor their financing. Throughout 2024, the Terra application
has undergone improvements, including
The Sitepat application continues to be developments and upgrades to the
enriched with features such as transfers and acquisition process, routine center meeting
buy-and-pay functions, which are currently in activities, customer monitoring, and cash
the licensing process with the regulator. We management processes. The enhancements
hope Sitepat will add value for BTPN Syariah made have increased control and validation
customers by improving their financial and of the acquisition process in accordance with
digital literacy. applicable regulations, improved the efficiency
of the PRS process, and strengthened
Meanwhile, the Bank has prepared the collection control and monitoring.
Sitepat application, which is used by Tepat
Pembiayaan Syariah Kelompok (TPSK) The Terra application has also started
financing customers. This application implementing face recognition technology for
provides financing customers with easy registration, which simultaneously facilitates
access to account balances, transaction and enhances the security of customer
histories, and the management of active transactions at the sentra. Additionally, to
financing. Additionally, the Bank continues support solidarity among sentra customers,
to update and enhance the features based Terra is now equipped with a Center Coverage
on customer needs, such as confirming Fund feature, allowing the sentra solidarity to
financing applications and the disbursement be monitored by the Head Office.
of individual financing.
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impact of
products and services
BTPN Syariah’s efforts to build sustainable and environmental risks of customers, improve
excellent behavior in an inclusive society are services, and plan various more targeted
optimized. We regularly assess the impact of assistance activities to help the inclusive
our products and services on the welfare of community achieve a better life.
our financing customers and their families.
Meanwhile, the empowerment and development The bank has been regularly measuring the
of inclusive communities through the Daya and welfare of the inclusive community using the
Bestee programs are discussed in more detail Simple Poverty Scorecard (SPS). The SPS aims
in the section on building sustainable excellent to assess the progress and welfare of customers
behavior for others.[OJK F.28] based on factors such as children’s education
level, the condition of the home structure,
research result [GRI 413-1] cooking fuel, and the vehicles and electronic
devices owned by the customer’s family.
BTPN Syariah has conducted research on
the positive social impact of efforts to foster According to the SPS report, an increasing
sustainable excellent behavior within the number of inclusive community customers have
inclusive community. The results of this social experienced positive changes over the 5 years
impact research are used by us to measure since joining BTPN Syariah’s programs.
the success of assistance, assess the social
research observation year 1 year 3 year 5
Q1. Are all household members aged 6 to 18
84.7% 90.1% 92.5%
still attending school?
Q2. What is the
land or area of
most common type 10.5% 8.2% 5.4%
bamboo
of flooring?
Q3. What type here is no toilet or
of toilet does the has a squat toilet/ 15.8% 9.2% 5.2%
household have? seat
Q4. What is the
Gas/LPG, kerosene,
main cooking fuel 90.8% 95.4% 98.7%
electricity, or others
used?
Q5. Does the household own a refrigerator? 57.0% 70.0% 84.5%
Q6. Does the household has motorcycle or
86.9% 92.7% 94.8%
motor boat?
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sustainability report 2024 | sustainability performace
product/service safety
evaluated for the customer
private data protection [OJK F.27]
BTPN Syariah ensures customer protection Security Division, conducting training and
through careful management of data and socialization on personal data protection to
information. This is outlined in the Customer all levels (Board of Commissioners, Board of
Protection Policy and the Information and Data Directors, Board of Management, Division
Security Policy. These policies have been strictly Heads, Department Heads, and all employees).
implemented with zero tolerance to protect Additionally, the Bank has developed a Data
customer rights while maintaining the trust Privacy Policy and Privacy By Design framework,
of the Bank’s stakeholders. BTPN Syariah has along with its derivative procedures. The
a dedicated unit, the Corporate Information Bank has also announced privacy statements
Security (CIS) division, responsible for corporate to customers and employees via email, chat
information security at BTPN Syariah. messenger, SMS, and the Company’s official
website.
To maintain customer data confidentiality, BTPN
Syariah continually enhances its information customer protection and handling of
technology to ensure data security, ensuring
customer complaints [GRI 2-25]
that customer data can only be accessed by
authorized personnel with strict authorization BTPN Syariah is committed to providing
procedures. The Bank has established a complete protection and addressing customer complaints,
organizational structure for protecting and starting with the sincere dedication to serving
securing information and cybersecurity, ranging the inclusive community, building sustainable
from technical units to cyber risk governance excellent behavior, and adhering to the General
units. All products and services must undergo Principles of Consumer Protection, which
thorough penetration testing (Penetration Test) include transparency, fair treatment, reliability,
before being launched to the public. Once the confidentiality, and the security of consumer
products and services are launched, continuous data/information, complaint handling, and the
monitoring and supervision are carried out resolution of consumer disputes in a simple,
24/7 by the Security Operation Center unit to accurate, and appropriate manner in accordance
safeguard the information security perimeter. with applicable guidelines. The guidelines used
The perimeter starts from endpoint devices include:
to the Core Banking System. Additionally, the • OJK Circular Letter No. 17/SEOJK.07/2018
Cyber Security Incident Response Team (CSIRT) regarding the Guidelines for Implementing
conducts simulations on handling Cybersecurity Consumer Complaint Services in the Financial
Incidents to ensure readiness in dealing with Services Sector;
potential cyber security incidents at any time. • POJK No. 18/POJK.07/2018 regarding
Consumer Complaint Services in the Financial
In response to the growing number of Services Sector;
cyberattacks targeting the financial industry, • POJK No. 6/POJK.07/2022 regarding
the Bank has strengthened its cybersecurity Consumer and Public Protection in the
perimeter and supplemented it with Financial Services Sector;
comprehensive periodic backups (daily, monthly, • Bank Indonesia Circular Letter PADG No.
and yearly). We also conduct regular tests of the 23/17/PADG/2021 regarding the Procedures
activation of backup data centers. Mitigating for Implementing Consumer Protection by
PT Bank BTPN Syariah Tbk
cyberattacks is the Bank’s primary concern. Bank Indonesia;
• Bank Indonesia Regulation No. 22/20/
Accordance with the mandate of the Personal PBI/2020 regarding Consumer Protection by
Data Protection Law No. 27/2022, the Bank has Bank Indonesia;
undertaken several initiatives to ensure customer • Director’s Decree No. SK.005/DIR/
data protection. These initiatives include the OPTS/IX/2022 regarding the Duties and
establishment of a Data Protection Office Responsibilities of the Consumer & Public
Department under the Corporate Information Protection Function;
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• OJK Regulation No. 31/POJK.07/2020 • Bank Indonesia Regulation No. 22/20/
concerning the Provision of Consumer and PBI/2020 concerning Consumer Protection by
Public Services in the Financial Services Bank Indonesia; and
Sector by OJK; • Regulation of the Board of Governors
• Bank Indonesia Regulation No. 7/6/PBI/2005 Member (PADG) No. 23/17/PADG/2021
concerning Transparency of Bank Product concerning Procedures for Consumer
Information and the Use of Customer Protection by Bank Indonesia.
Personal Data;
commitment to provide equivalent services for
products and/or services to consumers
commitment and product and OJK regulations and follows the applicable
sharia principles. In the event of any changes
service policies [OJK F.17] [GRI 2-23, GRI 2-24, GRI
to the terms and conditions or features of a
FS15]
product, customers will be notified.
BTPN Syariah ensures the provision of excellent c. Through Know Your Customer (KYC), BTPN
and equal services to all funding customers as Syariah can assess the customer’s profile
part of the fulfillment and protection of human and identify their needs, enabling the bank
rights, without distinguishing ethnic background, to offer appropriate solutions. The bank
tribe, religion, race, social status, gender, or emphasizes ethical communication with
physical condition. Furthermore, we ensure customers and ensures the confidentiality
accessibility and the provision of services for of customer privacy in accordance with the
individuals with special needs by equipping BTPN bank’s code of ethics. During the reporting
Syariah branch offices with wheelchair access, as period, there were no incidents of non-
well as providing assistance services for funding compliance related to customer privacy
customers with special needs. confidentiality and marketing communication.
[GRI 417-3, 418-1]
Customer satisfaction and benefit are the d. Periodically reviewing the available products
primary goals of BTPN Syariah. Therefore, we and services to ensure they align with
uphold responsible business principles, apply the customer needs, in line with developments
principle of prudence, and respect human rights. in mobile banking and other current
All of these are commitments in line with the technological applications. This review
good and sincere intentions we hold. With the involves various relevant aspects and includes
spirit of fostering sustainable, outstanding all related departments and directorates.
behavior in an inclusive society, we have policies BTPN Syariah has a Business Development
and procedures that consider the following Division that continuously manages and
aspects: develops banking products and services to
a. Prioritizing the alignment of products and meet the needs of customers and the current
services with the needs and capabilities of inclusive society.
customers, in accordance with the Mission e. Providing training to customers to help them
and Vision of BTPN Syariah. understand the offered sharia financing
b. b, Providing a summary of information products. Prospective customers are required
regarding each product and service delivered to attend a basic membership training
PT Bank BTPN Syariah Tbk
to customers through the official BTPN session lasting 1 (one) hour over 5 (five) days
Syariah website, as well as during the initial yang Presented by the Community Officer
offering and/or at the time of agreement (CO) of BTPN Syariah. Only prospective
with the customer, up to the signing of the customers who are disciplined in attending
agreement with the customer. The product and successfully complete the induction will
and service information summary is based on be processed further as customers.
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f. Disbursements to financing customers are BTPN Syariah has a Financing Policy that is easily
always made during routine meetings that accessible to relevant parties within the internal
are agreed upon and witnessed by all center scope. This policy is updated in accordance with
members. Financing customers are also the bank’s internal regulations and is approved
provided with installment and savings cards, by the Board of Directors and the Board of
which are recorded every time a transaction is Commissioners. The policy is implemented
made. This ensures that customers are aware through a review process in accordance with
of their obligations and the balance of their applicable regulations, guided by the Sharia
savings. Supervisory Board to ensure compliance with
g. All products, financial services, and banking sharia principles.
solutions offered to customers meet the
following conditions, among others: social and environmental risk
• Products and services have been approved
mitigation
in accordance with sharia principles and
other applicable authorities, including In its financing policy, BTPN Syariah requires
having received approval from regulators. the mitigation of social and environmental risks
To date, there have been no products, related to the residential areas of prospective
financial services, or banking solutions customers, as well as the mitigation of social and
that have been suspended or withdrawn environmental risks in establishing new centers
after being launched. [GRI 417-1, GRI 417-2] within the inclusive society. [GRI FS2]
• Products and services have been evaluated
for security, supported by standard Several provisions applied in mitigating these
procedures that govern the processes social and environmental risks include:
for these products and services. These a. A commitment that the activities undertaken
standard procedures have been approved must not conflict with sharia principles and
in accordance with applicable regulations, must comply with applicable laws/regulations,
and the necessary infrastructure-such including social and environmental regulations
as procedures, systems, socialization, that may be implemented.
and human resources-has been made b. Establishing relationships with local
available. community leaders, such as subdistrict heads/
village heads/neighborhood heads, to provide
All of these policies and procedures are information about the presence of BTPN
implemented as a commitment to maintaining Syariah, which aims to assist women in the
fairness and transparency in our products and areas where the centers are located.
services for the inclusive society, allowing them c. A recommendation from fellow center
to focus on building sustainable outstanding members for prospective financing customers
behavior through BTPN Syariah’s products and to join an existing center or form a new
services. center.
d. A commitment from all center members
service level agreement (SLA) to undergo basic membership training and
participate in all scheduled Regular Sentra
A Service Level Agreement (SLA) is a measure Meetings for relevant knowledge sharing.
used in the control of service quality within the e. A mutual commitment among center
bank, which must be met by all levels of the members to support and assist one another in
organization. All SLA targets must be achieved carrying out business activities or developing
by the responsible personnel, with SLA details businesses.
PT Bank BTPN Syariah Tbk
varying for each function and position, depending f. Providing financing insurance for customers,
on their specific tasks and responsibilities. which includes life insurance for the
SLA achievement is one of the performance customer’s spouse in case of death, ensuring
evaluation criteria for all staff members. that the bank’s financing does not burden the
family.
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g. Provision of Adequate Support by empowering productive families in Indonesia’s
Community Officers. Community Officers inclusive society, helping them lead more
(COs) consistently guide productive women meaningful lives. To accelerate this noble
customers to develop outstanding behavior purpose, the Bank offers funding products with
by encouraging them to always apply the four competitive profit-sharing, through services that
key behaviors: Courage, Discipline, Hard Work, focus on customer comfort and satisfaction.
and Mutual Assistance, along with knowledge This is supported by the competent performance
in areas such as the environment, health, and of #bankirpemberdaya, the Bank’s strong
entrepreneurship. reputation, healthy financial performance, and
transparency in the management of its funds.
BTPN Syariah implements all product and service
launch policies to demonstrate its commitment The implementation of the Unique Value
to complying with all relevant regulations. As Proposition (UVP) for #bankirpemberdaya
of the reporting period, BTPN Syariah has not is carried out specifically to ensure that the
recorded any incidents of violations regarding principle of “Taking the Right Steps to Empower
regulations and laws issued by regulators, either the Community,” based on sharia, is clearly
related to product development or social and visible. The UVP in the funding aspect includes
environmental aspects. [GRI 2-27] the Daya program, sustainable excellent
performance, optimal returns, and excellent
taking the right steps, empowering service. BTPN Syariah’s commitment to serving
the inclusive society has received positive
the community
feedback from funding customers. According to
BTPN Syariah collects funds from funding testimonials, they feel involved in the efforts to
customers and channels them to the inclusive empower the inclusive community carried out by
society in need of financing, based on sharia BTPN Syariah. [OJK F.30]
principles. In doing so, funding customers
are given the opportunity to contribute to
Excellent
Daya
Service
Sustainable
Optimal Yield
Excellent
Rewards
Performance
PT Bank BTPN Syariah Tbk
Unique Value Proposition (UVP) Funding
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Funding customers believe that BTPN Syariah is a bank with integrity in implementing sharia principles
in its empowerment efforts. They are convinced that adequate financing is essential for the inclusive
society to grow and develop under the guidance of #bankirpemberdaya. Funding customers also trust
that the funds they entrust to BTPN Syariah are managed responsibly, supporting activities that have
a positive impact on social and environmental aspects, while also increasing their good deeds and
collectively working towards achieving rahmatan lil’ alamin (blessings for all of creation). Alhamdulillah,
BTPN Syariah’s fund collection has provided sustainable benefits for millions of people.
community
complaints
consumer complaints
The consumer complaint service mechanism BTPN Syariah also has a website at www.
at BTPN Syariah refers to POJK No. 6/ btpnsyariah.com and email addresses at corsec@
POJK.07/2022, where the coordinator for the btpnsyariah.com, corporatecommunication@
Consumer and Community Protection Function btpnsyariah.com, and investorrelations@
at BTPN Syariah is held by the Consumer btpnsyariah.com. Additionally, customers can
Complaint Handling Unit (UPPK). In carrying out use social media as a means to communicate
its duties, the UPPK is assisted by a Person in and interact with the bank through Instagram
Charge (PIC) appointed by each relevant work (@btpnsyariah and @bankirpemberdaya.btpns),
unit within BTPN Syariah. Facebook (btpnsyariah.id), YouTube (BTPN
Syariah), and LinkedIn (BTPN Syariah).
The Consumer Complaint Resolution Unit (UPPK)
is a work unit within the Operations function Any complaint submitted by consumers will be
under the Directorate of Finance, Treasury, and addressed with a prompt and accurate solution,
Operations. This unit is established to handle free of charge. The consumer complaint process
and resolve complaints submitted by consumers. is as follows:
It addresses customer complaints based on 1. Complaints are submitted directly by
the policies and procedures concerning the consumers through contact channels and the
handling, resolution, and reporting of consumer call center. These complaints are recorded
complaints. [OJK F.24] and acknowledged by our staff. Complaints
that can be immediately resolved are given
BTPN Syariah has established a consumer solutions by the staff and relevant officials in
complaint service mechanism. Complaints can be that department.
submitted through contact channels at Branch 2. Complaints that require further investigation,
Offices, Sub-Branch Offices, and Operational after being recorded by the person
Functional Offices (KFO) throughout Indonesia. responsible for the contact channel/call
Complaints can also be communicated via BTPN center, will then be forwarded to the UPPK
Syariah’s Contact Center at the telephone work unit. The UPPK will follow up on the
number 1-500-300 and the Toll-Free number resolution of consumer complaints received in
0-800-1500-300. accordance with the applicable Policies and
Procedures of BTPN Syariah.
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3. The UPPK monitors to ensure that consumer by the Bank, the customer is given the
complaints have been resolved, both those opportunity to seek mediation with Bank
received through the person responsible Indonesia or with an Alternative Dispute
for contact channels/call centers and Resolution (ADR) institution that is officially
those submitted via the traceable OJK registered.
application in the Consumer Protection Portal 5. On a regular basis, the UPPK will submit a
Application. consolidated consumer complaint report
4. Based on OJK Regulation No. 31/ to the Regulator in accordance with the
POJK.07/2020 regarding the Provision applicable regulations. [GRI 417-2, GRI 417-3, GRI
of Consumer and Community Services 418-1]
in the Financial Services Sector by the
Financial Services Authority, if a customer
is dissatisfied with the resolution provided
number of
withdrawn products
In 2024, BTPN Syariah received 5,701 incoming contacts, consisting of 18.94% Requests, 77.09%
Inquiries, and 3.96% Complaints. All (100%) consumer complaints were resolved in accordance with
regulatory provisions, with an average resolution time of 5 business days. Out of all the incoming
contacts, there were no incidents of non-compliance related to product information and labeling, or
marketing communication regulations. Therefore, during 2024, no products or services were withdrawn
from the market. [OJK F.29][GRI 417-2, GRI 417-3]
consumer and community complaint report
period settlement contact received request question complain
2024 100% 5,701 18.94% 77.09% 3.96%
2023 100% 6,976 26.40% 67.30% 6.30%
2022 100% 12,625 53.50% 42.20% 4.30%
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number of complaints based on complaint topics
2024 2023
topic of complain
total % total %
Mobile Banking 47 19.5% 229 43.6%
Financing 172 71.4% 157 29.9%
Saving 3 1.2% 21 4.0%
ATM 10 4.1% 69 13.1%
Deposits/Giro 1 0.4% 1 0.2%
Internet Banking 2 0.8% 13 2.5%
Others 6 2.5% 35 6.7%
Total 241 100.0% 525 100.0%
In support of the goal to build sustainable outstanding behavior in an inclusive society, BTPN Syariah
has made comprehensive improvements in handling consumer complaints by continuously enhancing
the infrastructure and processes for resolving consumer complaints. This is also aimed at increasing
customer loyalty and satisfaction, specifically among the inclusive society in Indonesia.
We believe that customers not only view BTPN Syariah as a financial institution but, more importantly,
as a partner that consistently supports them in doing good, developing businesses, and realizing their
dreams and aspirations to achieve a more meaningful life.
PT Bank BTPN Syariah Tbk
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ostering sustainable excellent
in behavior for others [GRI 413-1, FS13, FS14, FS16]
Adhering to the philosophy of “do good, do well,” BTPN
Syariah consistently fosters sustainable excellence in the
behavior of the inclusive society and spreads tangible
benefits for others.
commitment to social aspects [GRI 2-23, 2-24, 2-25]
We believe that good deeds will have a positive impact on the sustainability
of the Bank’s business. For BTPN Syariah, conducting social activities is an
inseparable part of our business operations, which are continuously refined for
the greater good and benefit. We uphold the philosophy of “do good, do well,”
a principle that has been followed by the Bank since its inception, alongside all
stakeholders who share the good intention to protect, preserve, and drive the
inclusive economy forward.
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impact of bank operations daya program [OJK F.23]
on society [OJK F.23]
The Daya Program is part of the company’s
In line with its vision to be the best Inclusive social activities designed to support the Bank’s
Sharia Bank, BTPN Syariah channels funds efforts in strengthening financial literacy for
from prosperous families to support the the inclusive community. This program includes
empowerment of the inclusive community. This training and empowerment in the areas of
commitment is realized through four main access entrepreneurship, health, and the environment.
points we provide for the inclusive community: By 2024, our Community Officers (COs) have
financial access, knowledge, product supply, and served millions of customers spread across
markets. 300,586 centers in various regions of Indonesia.
Our #bankirpemberdaya directly serve customers The Daya Program for providing Access to
within community groups through the Regular Knowledge consists of:
Sentra Meetings (PRS). The Center functions 1. Mini Meeting
as a meeting point for groups of customers The Mini Meeting is an initiative for financial
and Community Officers (CO), typically literacy and inclusion. In these meetings, COs
held at one of the group member’s homes. introduce various Bank products and services
Through these centers, customers can access to potential customers.
BTPN Syariah’s financing products, which are 2. Basic Membership Training
specifically designed to reach ultra-micro female Basic Membership Training
entrepreneurs who previously had difficulty This is a regular one-hour training over five
accessing financing. The funds are used to build days for new inclusive community members
or develop their businesses, thereby boosting who have become customers. During these
economic activity within the local community. meetings, COs provide further understanding
of the conditions, requirements, rights,
In addition to business capital, customers also and obligations of their financing as Bank
receive guidance from COs. The education customers, while also offering additional
provided covers business record-keeping, knowledge on how to manage finances. COs
planning, and budget management. This continue to guide and motivate inclusive
support not only helps customers manage their community customers to pursue their
businesses better but also fosters sustainable dreams with the excellent behaviors of BDKS
excellent behaviors such as Courage, Discipline, (Courage to Strive, Discipline, Hard Work, and
Hard Work, and Mutual Assistance (BDKS). Mutual Assistance). COs also adapt to local
needs, capacities, and cultures, ensuring that
The center-based service model also allows the program is well-received by customers
customers to build social networks with across Indonesia. [GRI 417-1]
other community members. They can share 3. Regular Sentra Meetings
experiences, support one another, and strengthen Regular Sentra Meetings are conducted
solidarity, which serves as social capital for every 2 weeks at the center location of the
growth and improving their lives. customer community. These meetings include
the delivery of empowerment modules in
The Bank reinforces excellent behavior through the areas of entrepreneurship, health and
the Daya and Bestee programs implemented environment, as well as business support
across various remote areas. Furthermore, we initiatives. It is expected that with Regular
also raise and distribute social funds to support Sentra Meetings, customers can improve
PT Bank BTPN Syariah Tbk
Corporate Social Responsibility (CSR) activities, their skills and capabilities as needed. Tips
contribute to achieving the SDGs, and provide are prepared for customers from inclusive
tangible benefits to communities in the areas communities so that they can learn easily
where we strive to make a difference. to grow and develop. The Daya Module
contains information relevant to the lives
of inclusion communities and equips them
with useful information and knowledge
on entrepreneurship, health, and the
environment.
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In 2024, the Daya Module will still be provided gambling and illegal online loans over the past
with additional topics in accordance with few years in Indonesia. More than 230,000
OJK’s direction. It aims to provide education centers have received empowerment in 2024.
related to the dangers of illegal online The following is the data on the distribution
loans, online gambling and be aware of of Sentra empowerment areas throughout
the addictive Cash on Delivery (COD) and 2024:
paylater payment methods. This is relevant to
the condition of the high level of use of online
number of Sharia Mobile Marketing
month number of centers empowered
(MMS) empowerment centers
January > 700 > 40
February > 500 > 60
March > 49,900 > 1,100
April > 20,200 > 1,000
May > 24,600 > 800
June > 16,600 > 600
July > 24,900 > 800
August > 26,100 > 900
September > 23,900 > 800
October > 17,200 > 600
November > 12,800 > 500
December > 18,300 > 600
4. Group Empowerment
This is a program of empowerment for BTPN Syariah customers in groups. The activities are carried
out regularly during the Sentra Routine Meetings (PRS) or tailored to specific needs. The Group
Empowerment Program consists of:
• Providing modules on entrepreneurship, • The TBNKu (Grow Together with My
health, the environment, as well as the Customer) - KMI (Thursday Knowledge
dangers of illegal online loans and online Sharing) program is an empowerment
gambling, and awareness of Cash on initiative carried out by Community
Delivery (COD) and pay later services, which Officers (CO) for successful customers,
are regularly provided during Sentra Routine offering entrepreneurship training. Each
Meetings. CO supports successful customers in
• Providing the BDKS (Courage,, Discipline, participating in online training, with the
Hard Work, and Mutual Assistance) module training theme tailored to the customer’s
at certain periods, delivered during Sentra needs and held at specific times
Routine Meetings to build sustainable (Thursdays). A total of more than 2,100
PT Bank BTPN Syariah Tbk
behavior in customers, particularly in terms successful customers participated in the
of discipline. Customer attendance at TBNKu Program during 2024.
Sentra Routine Meetings is expected to
improve exemplary behavior and the quality
of BTPN Syariah customers.
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The materials provided during the TBNKu - KMI program for successful customers in 2024 are as
follows:
months training
May & September Entrepreneurial mindset
May & November Business identity and branding to increase sales
May Product development innovation and business diversification
May, September & December Financial management for businesses
May Effective sales promotion strategies
May Innovative packaging and appealing display
June Online marketing (WhatsApp and Social Media)
June Marketing through e-commerce and social commerce
June, October & December Creating engaging photo and video content
June Excellent customer service
September Identity, branding, and packaging to enhance the culinary business
September Success in building a reseller business
September Innovation and marketing of culinary products through online delivery services
Marketing techniques through social media (including effective strategies for
October & November
handling customer complaints)
Identity, branding, and packaging to enhance service, retail, and fashion
October
businesses
Innovation and marketing of service, retail, and fashion businesses through
October
marketplaces
October Online marketing through live selling (e-commerce and social commerce)
5. Individual Empowerment Program
This is an individual empowerment program provided in the form of guidance to BTPN Syariah
customers. The guidance program is offered to both general and specific categories of customers.
In 2024, the empowerment program for successful and inspiring customers was transformed into
the Tumbuh Bersama NasabahKu (TBNKu) Program. TBNKu is an empowerment program carried
out by #bankirpemberdaya for successful and inspiring customers.
• TBNKu Guidance Program: This is an intensive business guidance program provided to Inspiring
Customers by Business Managers (BM) or Senior Business Managers (SBM) on a one-on-one
basis to enhance the customers’ entrepreneurial skills through visits and regular guidance over a
3-month period. During these visits and guidance sessions, BM or SBM are expected to explore
the customers’ needs and desires through education. A total of 1,800 inspiring customers were
guided throughout 2024.
• Bestee Guidance Program: This is an intensive business guidance program provided to customers
PT Bank BTPN Syariah Tbk
(1 on 1) by students from universities that have partnered with BTPN Syariah, through the MBKM
(Merdeka Belajar Kampus Merdeka) Program or the MM (Magang Mandiri) Program.
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bestee program [OJK F.23] [GRI 203-2]
The Bestee Program is a flagship program of The Bestee Program provides opportunities
BTPN Syariah that involves multiple stakeholders for university students, under the mentorship
(Penta Helix Collaboration), including the of mentors, to offer direct support to women
Bank, Customers, Universities, Government, entrepreneurs in the MSME (Micro, Small, and
and Communities. This multi-stakeholder Medium Enterprises) sector. This aims to improve
collaboration is one of the efforts to implement their knowledge and skills in a measurable and
SDG No. 17, which is Partnerships for the Goals. sustainable manner. Every year, we consistently
The collaboration is expected to enhance the work on developing the quality and spreading
quality of the impact generated for BTPN the Bestee Program through social media and
Syariah’s good intentions to continue supporting socialization classes to increase the number of
inclusive communities. facilitators participating in the program.
flow process of customer assistance
PT Bank BTPN Syariah Tbk
Observation/ Introduction Guidance for
Introduction Students > 15 customers/
Orientation Students Customers session (month) Reporting
> MMS (accompanied by Total of 4
CO) months
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mentorship mechanism In addition to being given flexibility, students also
get benefits that are no less interesting than the
1. Students are given specific training related MBKM Program, including:
to the knowledge and skills required before • Conversion of up to 20 SKS
conducting the mentorship. • Direct interaction and learning with micro,
2. Mentorship is conducted through direct visits/ small, and medium enterprises (UMKM)
meetings between students and customers, practitioners
with a total of 4 (four) visits/meetings per • Transportation allowance subsidy
mentorship session. Each mentorship session • Rewards for the best facilitators
lasts for 1 (one) month. • BPJS Employment (social security) benefits
3. Each student mentors up to 15 customers per • Career opportunities at BTPN Syariah
session during the internship period. • Career opportunities as UMKM mentors or
4. Students are required to create reports on Halal Product Process Mentors (P3H)
all mentorship activities online using a digital • Internship certificate
empowerment application called KitaBestee. • Membership in the student empowerment
5. The Bestee Program is conducted twice a year community
(per semester) with a mentorship period of
4 (four) sessions: Semester 1 from February The Magang Mandiri program was launched in
to June and Semester 2 from August to August 2024 for the second semester of the 2024
December. academic year (August to December 2024). Three
batches have been carried out in the second
semester of 2024, with the following number of
bestee-magang mandiri program
students:
2024 • Batch-1: 17 students
In 2024, BTPN Syariah took a new initiative • Batch-2: 47 students
by launching the MM (Magang Mandiri) • Batch-3: 123 students
Program. The Magang Mandiri Program opens
opportunities for students who want to intern More than 2,900 customers have been
and join the Bestee Program through internships successfully mentored by students through the
without going through the MBKM Program Magang Mandiri program in the second semester
route. The MM (Magang Mandiri) Program is a of 2024. This program is expected to gradually
manifestation of BTPN Syariah’s commitment engage more universities and students in the
in implementing sustainability principles by future.
expanding and strengthening cooperation with
universities in a more intense and massive Since the launch of the Bestee Program
manner. in 2022, BTPN Syariah has collaborated
with 461 universities across Indonesia and
This program is carried out with the aim of several assistance institutions. The number
providing opportunities for both students of universities collaborating in the Bestee
and customers in conducting empowerment Program increased by 79% compared to 2023.
programs. In general, the Independent Internship Meanwhile, the Bestee Program has involved
Program has its own uniqueness compared to 2,126 facilitators, who are students from various
the MBKM Program, where in the Independent universities across Indonesia. This number
Internship Program students are given flexibility has increased by more than 25% compared to
in several ways, including: the duration of 2023 and has mentored 60,657 BTPN Syariah
the internship, the number of conversion of financing customers spread across 26 provinces
internship credits, the number of customers in Indonesia.
PT Bank BTPN Syariah Tbk
assisted, and the start time of the internship
which can be adjusted to the needs of students.
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BTPN Syariah, together with Bestee facilitators, builds customers’ excellent sustainable behavior
through a assistance program that is detailed as follows:
Throughout 2024, the Bestee program has successfully assisted more than 60,000 BTPN Syariah
2024
customers.
The scale-up phase 2 of the Bestee program, with the program period from September to December,
has empowered more than 33,000 participants.
2023
The Sahabat Daya program transitioned into the Bestee program (Bersama Berdaya Sahabat Tepat
Indonesia) and carried out the scale-up phase 1 during the March-June period, empowering more than
16,000 customers.
The piloting phase from July to December was conducted for 1,703 customers under the program
2022
name Sahabat Daya.
The number of financing customers who have been assisted in the Bestee Program throughout 2024 is
more than 60,000, with the distribution of customers in the following areas:
number of number of
no. province customers no. province customers
assisted assisted
1 EAST JAVA > 14,500 14 YOGYAKARTA > 900
2 CENTRAL JAVA > 9,300 15 BALI > 700
3 NORTHERN SUMATERA > 6,800 16 RIAU > 600
4 WEST JAVA > 5,400 17 SOUTH KALIMANTAN > 600
5 LAMPUNG > 3,100 18 SOUTHEAST SULAWESI > 600
6 NUSA TENGGARA BARAT > 3,000 19 EAST KALIMANTAN > 500
7 ACEH > 2,700 20 BENGKULU > 400
8 SOUTH SUMATRA > 2,600 21 BANGKA BELITUNG > 300
9 WEST SUMATERA > 1,700 22 GORONTALO > 250
10 JAMBI > 1,600 23 CENTRAL KALIMANTAN > 200
11 SOUTH SULAWESI > 1,300 24 NUSA TENGGARA TIMUR > 180
12 BANTEN > 1,200 25 WEST SULAWESI > 170
13 WEST KALIMANTAN > 1,000 26 JAKARTA > 50
The Bestee program is designed to support This assistance aims to help customers
sustainable winning behaviors for customers improve their skills and hopefully develop their
across Indonesia. In this program, students from businesses. Students conduct assessments and
various regions in Indonesia are empowered to discussions with assisted customers to identify
assist customers in areas that may be different challenges and obstacles faced in running
from where they come from. This ignites the their businesses. Based on this identification,
spirit of diversity, nationalism and giving back students provide assistance modules related
to others. BTPN Syariah has provided training to entrepreneurship that are relevant and can
modules in various local languages to assist have a significant impact on the progress of the
the students. In addition, CO officers also customer’s business. With the right modules and
assisted the students in communicating with recommendations, customers can more easily
PT Bank BTPN Syariah Tbk
the customers to make the assistance process overcome obstacles and develop their businesses
effective. sustainably.
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Various assistance modules provided during 2024:
material total
Business Identity >28,000
Price List >1,700
Digital Promotion >1,600
Acounting >1,100
Google Tag/Location >300
Business License >270
Traditional Promotion >230
Packing >90
Display >30
Other >5
impact of assistance 1. E-catalog Galeri Daya
Various types of products from customers’
This assistance has resulted in positive changes businesses are displayed in an e-catalog
visible in the businesses of the customers. The that can be accessed online via the Bestee
changes started with the creation of business website. The purpose of this e-catalog is to
identities such as brands and logos, as well as introduce the “Ibu Tangguh” products to a
an increase in business revenue due to online wider audience, as well as present inspiring
promotions and bookkeeping. By the end of stories about their business journey. In
2024, a trend of positive changes in the types of addition to showcasing customer products
businesses of customers became evident. The in the e-catalog, there are also customer
three types of businesses that experienced the stories that help website visitors learn about
most positive changes were the food industry the stories behind the businesses. Access
(34%), retail trade (18%), and grocery stores/ for potential buyers to purchase products
convenience shops (15%). directly from customers by visiting their social
media pages or e-commerce platforms is also
Additionally, other types of businesses such as available. For customers who do not yet have
handicrafts, laundry services, and workshops also digital marketing, the e-catalog offers an
experienced similar trends. The positive impact Open PO feature. Currently, over 144 products
generated provides energy and motivation for from 134 customers are displayed, and the
the bank to continue being beneficial for the products have been curated by students from
well-being of the community. the Bestee Program at BTPN Syariah.
access to market
BTPN Syariah continues to improve sustainable
excellence in behavior for all of its customers.
The bank not only provides financial access and
knowledge for the inclusive community but also
builds access to markets for them through Pasar
Daya. The bank sincerely helps customers by
PT Bank BTPN Syariah Tbk
carrying out various activities to open market
access for the products of their businesses.
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Laporan Keberlanjutan 2024 | ikhtisar keberlanjutan
Display Web Bestee untuk E-Catalog Galeri Daya
2. Market Access Events
During 2024, BTPN Syariah Bank held 4 (four) market access events for its customers, which
included 3 (three) Semarak Daya events at the Head Office and 1 (one) Bunga Rampai event at
the Branch Office. Furthermore, we collaborated with our Parent Company - SMBC Indonesia to
organize the Selendang Mayang event at the SMBC Tower in Jakarta.
Semarak Daya Denpasar Semarak Daya Jakarta
Lokasi KCS Denpasar Lokasi Menara SMBCI lt 16
Number of Products: 203 Menara SMBCI Location, 16th Floor
Number of Products Sold: 153 Number of Products: 1,328
June 2024 August 2024 December 2024
Total Sales Amount: Number of Products Sold: 555
IDR 4,873,000 Total Sales Amount:
IDR 20,782,000
1 2 3 4 5
Semarak Daya Surabaya Selendang Mayang (SMBCI) Bunga Rampai (Jakarta)
June 2024 September 2024
Lokasi KCS Surabaaya Lokasi Menara BTPN lt 27 Lokasi KCS Radio Dalam
KCS Surabaya Location BTPN Tower Location, 27th Floor KCS Radio Dalam Location
Number of Products: 580 Number of Products: 3,410,000 Number of Products: 576
Number of Products Sold: 430 Number of Products Sold: 1,924 Number of Products Sold: 408
Total Sales Amount: Total Sales Amount: Total Sales Amount:
IDR 16,915,000 IDR 70,411,000 IDR 25,168,000
PT Bank BTPN Syariah Tbk
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bunga rampai
BTPN Syariah’s funding customers have great together with financing customers in a talk
trust in the bank’s sincere intentions to finance show concept. Inspiration, motivation, and deep
ultra-micro entrepreneurs. In fact, some of connections were created from the “Resilient
the funding customers generously allocate Women” customers of BTPN Syariah, who shared
the returns from their investments for Waqf stories, struggles, inspirations, and motivation
purposes. Seeing this trust and good intentions, during the event. In addition, funding customers
BTPN Syariah took the initiative to organize the had the opportunity to support the products
Bunga Rampai event at the Radio Dalam Branch of financing customers by getting to know and
Office in Jakarta at the beginning of December purchasing products from the businesses of
2024, where funding customers were brought these ultra-micro entrepreneurs.
Bunga Rampai Day 1 Featured Mrs. Reina Bunga Rampai Day 2 Featured Mrs. Dewi
Windiawati (Business Support Head), Mrs. Lina Nuzulianti (Director), Mrs. Sri Agustina
Kurnia (Financing Customer), Mrs. Christine Ullyana (Financing Customer), Mrs. Dhanny Dahlah
(Funding Customer) as speakers (Funding Customer) as speakers
semarak daya
In 2023, BTPN Syariah launched a program to financing customers to compete in a more
introduce and market the products of BTPN diverse market.
Syariah customers, called Pasar Daya. In 2024,
Pasar Daya was rebranded as Semarak Daya, a The event serves as a platform for various
series of Access to Market programs aimed at products from customers to be introduced
introducing and marketing the products of BTPN and marketed to the general public, especially
Syariah’s customers both offline and online. employees of BTPN Syariah and SMBC
Throughout 2024, Semarak Daya events were Indonesia. The range of products showcased
held three times at BTPN Syariah branches in and marketed at Semarak Daya, Bunga Rampai,
Surabaya, Denpasar, and the Head Office. and Selendang Mayang was diverse, including
food items (such as sambal, shrimp crackers,
BTPN Syariah communicated the Access honey, coffee, and others) and non-food items
to Market program to employees, funding (like handicrafts, batik, woven textiles, home
customers, students, universities, government goods, clothing, bags, shoes, hijabs, pearl jewelry,
representatives, and the general public to and more). The total sales from all these events
increase support for the products of inclusion during 2024 reached IDR 138,149,000. The Bank
PT Bank BTPN Syariah Tbk
customers. The bank hopes that the Access to celebrates the successful results of its financing
Market program will stimulate creativity and customers’ sustainable, outstanding behaviors,
improve the well-being of financing customers which have led to the creation of high-quality
by expanding their market access, ensuring their products that are popular and appreciated by
products are more recognized and sought after the public.
by the broader public. Additionally, this program
provides an opportunity for BTPN Syariah’s
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Laporan Keberlanjutan 2024 | ikhtisar keberlanjutan
Mrs. Dewi Nuzulianti (Director of BTPN Syariah) Funding Customer of BTPN Syariah attended
attended the Semarak Daya event at the BTPN Semarak Daya event.
Syariah Surabaya Branch Office.
daya fest - selendang mayang
Daya Fest - Selendang Mayang was initiated by SMBC in collaboration with BTPN Syariah. This event
featured a series of empowerment talk shows and product exhibitions from SMBC and BTPN Syariah
customers. The event took place over two days, from August 27-28, 2024, at the SMBC Tower.
Daya Fest - Selendang Mayang was attended by Daya Fest Visitation – Selendang Mayang
Mr. Henoch Munandar (President Director of SMBC
Indonesia) and Andrie Darusman (Daya Head of
SMBC Indonesia).
bestee international program
The Bestee International Program is a Unlike previous years, where Bestee International
continuation of the collaboration between students primarily assisted BTPN Syariah
BTPN Syariah and the International Students customers by providing entrepreneurship
Internship. Through the Daya Division, BTPN modules, in 2024, Bestee International students
Syariah provides an opportunity for students focused more on conducting surveys to evaluate
from various universities in Australia to learn the use of the Bestee Platform by customers The
more about the empowerment programs Bestee International Program 2024 involved 6
PT Bank BTPN Syariah Tbk
offered to customers at BTPN Syariah. These international students, consisting of 3 students
international students have the chance to from the University of Technology Sydney, 1
provide direct assistance to BTPN Syariah student from RMIT University, and 2 students
customers, with Indonesian students acting from Indonesia, specifically from Bina Nusantara
as translators between the customers and University and Al-Azhar University Indonesia.
international students, as well as partners
throughout the internship.
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The intensive period of the Bestee International The Bestee International students visited
Program took place from November 19 to customers at Wisma Sepatan-Tangerang and
November 29, 2024. Despite the short duration, Wismadi Tajurhalang-Bogor on consecutive days.
the Bestee International students were able to
effectively utilize the time provided.
International Student Visitation to MMS Sepatan Customer Business Location Survey in Tajurhalang
(Tangerang) District (Bogor)
International Students Visitation to MMS Customer Business Location Survey in Tajurhalang
Tajurhalang (Bogor) District (Bogor)
All of the Bestee programs that have been implemented are expected to generate even more positive
impacts for customers, followed by continuous improvements in the coming years. In addition, BTPN
Syariah continues to hope for greater involvement from stakeholders in the Bestee Program in the
future to foster sustainable excellence behaviors for an increasing number of inclusive communities in
Indonesia.
PT Bank BTPN Syariah Tbk
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bestee platform [GRI 203-1]
The Bestee Platform is a digital empowerment platform designed to provide business knowledge
access to customers. This platform aims to build customer engagement while enhancing business
literacy and insights through digital access. Over time, the Bestee platform continues to be developed
to be utilized by stakeholders in supporting inclusive community customers sustainably.
The Bestee platform is built with the latest technology, based on mobile apps and web that are fully
integrated. The mobile app is available on Android and iOS operating systems, used by Facilitators
(Kita Bestee) and Customers (Bestee Ku), while the web-based application is used by Mentors and
Admins.
customer platform (Bestee Ku) facilitator app (Kita Bestee)
The Bestee Ku app is used by customers as a The Kita Bestee app is used by facilitators as
learning platform containing digital learning a tool to conduct customer empowerment
modules that align with the type of business the activities, including providing the appropriate
customer operates. The features in the Bestee Ku modules for customers, monitoring the
app include: empowerment activities, and reporting on
1. Profile customer engagement. The features in the Kita
Contains information and data on the user’s Bestee app include:
(Customer) profile. 1. Register
2. My Courses A feature used for facilitators to register and
Contains modules (materials) that customers create a Bestee account, allowing them to
can study at any time. access all the features and menus necessary
3. Recommended Content for conducting empowerment activities.
Displays content (materials) automatically 2. Dashboard Performance
recommended based on the customer’s type The home page of the Kita Bestee app,
of business. summarizing the facilitator’s performance,
4. Popular Learning such as reminders for important schedules,
Shows content that is frequently accessed by the number of content (materials) taught
users (Customers). to customers, and a leaderboard of all
5. Search Content facilitators participating in the Bestee
A search feature that helps users (Customers) program.
find the desired content (materials). 3. My Activities
6. Contact Facilitator An important menu that requires facilitators
A feature that allows customers to contact to create an activity plan (agenda) for
their Facilitator to get the necessary upcoming empowerment sessions.
information directly. 4. Assistance
A menu that facilitates communication
As of 2024, Bestee Ku has a total of 368 modules. between Mentors and Mentees (facilitators),
These modules are developed according to allowing them to collaborate on activity
the customer’s business type needs and have planning for the assistance sessions.
been assessed by mentors and facilitators. 5. Forum
Additionally, the module materials come in A menu that facilitates communication
various forms, including written content, audio between Mentors and Mentees (facilitators)
recordings, and video recordings. This variety to share insights and discuss materials in
PT Bank BTPN Syariah Tbk
allows inclusive customers to choose the learning the form of articles, journals, photos, or
method that best suits their needs. other supporting documents for assistance.
This menu can also be used as a forum for
discussion.
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6. Score board bestee admin web
A menu that displays the performance
excellence level of facilitators based on the The platform used by Bestee Admin staff as the
KPI scores provided by the Mentor. central integration hub for managing program
information, activities, communication channels,
In addition, various other menus such as and handling issues related to the Bestee
Geotagging Photos, Announcement Board, Program. The key features of the Admin Web
Recommended Modules, Module Assessments, allow for reviewing facilitator performance and
Digital Recruitment Dashboard, Gamification, activities through mentorship-evaluated reports.
Fraud Flagging, and Mentorship Surveys have Additionally, new features such as mentorship
been added since 2023. surveys, SMO and SMC reports, the ability to
generate reports on the Mentor Web, and the
bestee mentor web Recommendation Modules and Help Center
menus have been added to further facilitate the
The platform aim is to assist mentors in tasks of the Bestee Admin.
guiding facilitators by providing a means of
communication, coordination, and activity platform development for bestee in
monitoring, as well as for assessing facilitator
2024
reports. Bestee Web Mentor offers various
features to streamline the assistance process, In 2024, we added innovative features to the
including Assistance Schedule Creation, Bestee Platform. We hope these innovations will
Assistance Reports, KPI and Competency assist all users, including Facilitators, Mentors,
Assessments, Group Discussion Forums, Personal and Admins. Furthermore, the addition of these
Chat, and Mentor Performance Dashboard. features ensures the smooth operation and
success of the Bestee program in various remote
regions across Indonesia.
1. Automate Calendar Bestee feature is designed
for all users in the Bestee Program, including
Facilitators, Mentors, and Admins. This feature
automatically updates important dates
related to assistance, events, performance
reminders, and further selection information,
making it easier to coordinate and monitor
activities within the program.
2. Auto Reply Ticket Help Center on Weekend
Currently, Bestee’s support service uses an
“Open Ticket” system in the Help Center. Admin
will handle and respond to each incoming ticket
within a maximum of 1x24 hours during business
hours. For tickets submitted on weekends
or public holidays, the Bestee system will
automatically send a reply informing users that
PT Bank BTPN Syariah Tbk
the ticket will be processed on the next business
day. This feature helps users receive clarity on the
ticket handling timeline and ensures that every
request is addressed efficiently according to the
operational schedule.
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3. Enhancement Digital Recruitment BTPN
Syariah provides equal opportunities for
all students and potential facilitators to
participate in the Bestee selection process. To
make it easier for them to track recruitment
progress, we have introduced an enhancement
for digital recruitment with the optimization
of the selection dashboard and simplified
recruitment module input. Potential facilitators
can monitor the recruitment process from
account activation, completing and reviewing
the gamification test results, position selection,
and internship location selection (province and
district), to the announcement of selection
results.
4. Daily Checklog Activity Facilitators can
log attendance and fill in the details
of their planned activities, such as
teaching materials or assigning tasks.
Each completed activity will be recorded
once the facilitator marks it as “done”
and inputs the duration of the activity.
Additionally, facilitators are required to
take photos as documentation to report
their activities transparently. The reports
generated by facilitators through this
feature make it easier for mentors to
monitor the facilitators’ productivity.
5. Fake GPS & Invalid Date – Time Detector Activity documentation photos are
equipped with geotagging to ensure the facilitator’s location while assisting
customers is accurate. However, some facilitators have been found using Fake
GPS applications. These applications can alter the GPS coordinates, misleading
the actual location. To address this issue, we have added a detection and alert
PT Bank BTPN Syariah Tbk
feature to prevent the use of such applications. This ensures that the reported
GPS location is valid and matches the real-time location accurately.
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bestee army program [GRI 203-2]
The Bestee Army Program is an empowerment initiative that involves alumni of the Bestee Program,
specifically students who have previously participated in internships at BTPN Syariah through the
Bestee Program. Throughout 2024, customer empowerment conducted by Bestee Program alumni
(Bestee Army) has expanded in terms of program variety. In the previous year, three programs were
implemented: Bestee Ceria, Bestee Pendampingan, and Bestee Ambassador. In 2024, the Bestee Army
Program not only introduced more program variations but also offered more flexible formats and
customer numbers, tailored to the locations of the Bestee Army participants. A new program launched
for Bestee Army in 2024 is Bestee Pendampingan Akses Pasar (Market Access Assistance). As a result,
there are now four programs available for Bestee Army participants to choose from:
1. Bestee Ceria, This is a group empowerment program provided to customers with modules related
to entrepreneurship, health, and the environment. The program consists of 1 (one) to 2 (two) visits
conducted during Regular Sentra Meetings. In 2024, modules related to health, such as Early
Detection of Breast Cancer, and environmental modules, such as the Benefits of Eggshells and How
to Easily Make Compost, were delivered.
Participants of the Bestee Ceria Program presented Participants of the Bestee Ceria Program presented
the Early Detection of Breast Cancer module at the Early Detection of Breast Cancer module at
MMS Bojong Sari, Bogor. MMS Rantau Selatan, Medan.
PT Bank BTPN Syariah Tbk
Participants of the Bestee Ceria Program presented Participants of the Bestee Ceria Program presented
the Benefits of Eggshells module at the Easy Ways to Make Compost module at
MMS Bojong Sari, Bogor. MMS Rantau Selatan.
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2. Bestee Pendampingan, is an individual empowerment program that provides online mentorship for
1 (one) month to 3 (three) customers. The mentorship modules focus on entrepreneurial skills such
as Pricing Lists, Business Identity, and Personal Selling. The mentorship locations are tailored to the
domicile of the Bestee Army members. In 2024, there were 19 Bestee Army members participating in
the Bestee Pendampingan Program.
Implementation of Assistance in the Implementation of Assistance in the
Rantau Selatan Area, North Sumatra Samudera Area, Aceh
Delivery of material in the Mengwi Area, Delivery of material to customers in the
South Sumatra Gayamsari Area, Semarang
3. Bestee Ambassador, is an empowerment program carried out by the Bestee Army members, where
they socialize and encourage customers who have not yet participated in the Bestee Program
to join. Each Bestee Army member conducts program socialization 4 (four) times a month. The
implementation of the Bestee Ambassador program is tailored to the participant’s domicile, and the
schedule is aligned with the available center schedule.
4. Bestee Pendampingan Akses Pasar, is an empowerment program carried out by the Bestee Army,
aimed at improving market access and introducing customer products. The modules provided to
the customers include Social Media Promotion, E-commerce Promotion, and practical use of Social
PT Bank BTPN Syariah Tbk
Media and E-commerce platforms. Each participant provides assistance to 3 (three) customers
over a period of 2 (two) months, with each customer receiving individual assistance from the Bestee
Army every week.
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Bestee Army provides assistance to Bestee Army provides assistance to
customers, in Labuhanbatu, customers in Pamekasan,
North Sumatra East Java
appreciation from bestee program partners
In 2024, the Bestee Program not only continued to be the foundation of BTPN Syariah’s business,
providing a positive impact for customers every year, but it also gained recognition as an inspiring and
sustainable social project, receiving appreciation from Bestee Program partners.
panelists & speakers at pasar inspirasi (pitch dating)
“achievements of the nation’s children”
BTPN Syariah shared inspiration by participating collaborations for further development.
as a panelist at the Gelar Karya Prestasi Anak An online platform was also made available,
Bangsa on December 11, 2024, at the Ministry allowing the public to access information about
of Education and Culture in Jakarta. The event the BIM participants’ social projects, while also
featured presentations of social impact projects providing opportunities for participants to recruit
by participants of the Indonesia Maju Scholarship volunteers and expand their social impact.
(BIM) undergraduate program, initiated by the In addition, panel discussions and thematic
National Achievement Center (Puspresnas). seminars on Sustainable Development Goals
(SDGs) were held to broaden the perspectives
The presentations of these social projects of stakeholders. We hope that the experience
included a pitching session and networking gained from the Bestee program can serve as a
opportunities to showcase achievements, valuable inspiration for participants, helping to
interact with stakeholders, and establish solve more social issues in Indonesia.
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The organizers and participants of the Gelar Karya Prestasi Anak Bangsa event at
the Ministry of Education and Culture Office in Jakarta.
Best Partner Award from Sriwijaya University
BTPN Syariah received a certificate of appreciation from Sriwijaya University as the Best Partner for
the Certified Internship and Independent Study Program (MSIB) through the Bestee program on May
20, 2024. BTPN Syariah is grateful for this recognition, which reflects the shared commitment with
Sriwijaya University and other institutions such as PUPR, Bakrie Center Foundation, and Bank Syariah
Indonesia to enhance students’ capabilities in addressing societal challenges. As of 2024, 71 Sriwijaya
University students have participated in the Bestee Program at BTPN Syariah.
Receipt of an award plaque from Sriwijaya University, Award plaque from Sriwijaya University to BTPN
represented by Prof. Deris Stiawan, Ph.D., IPU., Syariah Bank, Tbk in the category of The Best
ASEAN Eng., to Mrs. Vini Daru Perdana, Head of Partner MSIB 2024.
Daya Activation & Partnership, at the M. Isa Hall, UPT
Bahasa Unsri, Palembang.
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visit from university of technology mara, malaysia
Students from the University of Technology Mara (UiTM) visited BTPN Syariah and several other
Indonesian companies across various industries. The program, International Academic Visit: A Journey
of Cross-Border Academic Enrichment & Giving Back for Societal Impact, aims to produce students
enriched with broad international experiences and knowledge. At BTPN Syariah, the UiTM students
learned about Sharia finance and banking principles, particularly focusing on BTPN Syariah’s business
model, which emphasizes customer assistance and its digitalization through the Bestee Platform.
Presentation regarding the Bestee Program delivered The acceptance of a souvenir from UiTM,
by Mr. Hendrianto (Daya Head BTPN Syariah) represented by Lecturer Ms. Nurul Salizawatee Binti
to UiTM Students Mahpar, to Mr. Hendrianto as the Daya Head
testimonial for the bestee program
testimonials from all parties involved in the Bestee Program are highly valued and seen as essential
for the evaluation and improvement of the empowerment program in the future. The feedback
from Mentors, Facilitators, and Assisted Customers who have experienced positive changes further
motivates BTPN Syariah to continuously refine the Bestee Program in the coming years.
mentor
Mentors are partners of Bank BTPN Syariah who possess strong capabilities as MSME (Micro, Small,
and Medium Enterprise) mentors. They consist of certified MSME mentors, university lecturers, and
Bestee Army members. Mentors play a crucial role in providing consistent and structured mentoring,
coaching, and counseling to students participating in the Bestee Program. Each mentor is assigned to
guide around 10-15 students. Mentoring schedules must be submitted by the mentors weekly, as agreed
upon, with a minimum of one assistance session per week through the Bestee Platform to ensure
proper documentation of the assistance activities.
The topics discussed during assistance sessions include findings from students in the field, challenges
faced by customer businesses, aligning modules with the profile and business of the customers, issues
encountered during customer assistance, and guidance on how to create reports both on the Bestee
Platform and the MBKM website. In addition to being a guide, an important role of the mentors is to
evaluate and oversee the activities and results achieved by the students.
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testimony
mentor
Putu Sumasri Utari Dewi
Mentor
As a mentor, I am very grateful to see firsthand how this program
supports incredible women in growing their businesses. I had the
opportunity to share knowledge and help clients discover their
best potential in managing their businesses. One of the most
memorable things was seeing participants who were initially shy
and lacked confidence gradually become more optimistic and ready
to face all challenges. Their enthusiasm also inspires me.
Sekar Melati Pradipta
Mentor
Alhamdulillah, up until now, I have been trusted to be a mentor for
the Bestee program. I guide, direct, and ensure that the students
provide effective and targeted support to the clients, with the
hope that the Bestee program can have a positive impact on
entrepreneurs, helping them improve both their business quality
and their quality of life. I also share the knowledge I have with the
students so that it can be applied to the clients they assist. All
of the clients are women, and they have a strong fighting spirit
in striving to improve their lives and well-being. They face many
challenges, but they never give up and continue to work hard to
achieve their dreams. I am truly happy when the results of the
mentoring have a real impact on the clients’ businesses. I hope
this program continues and helps millions of women clients across
Indonesia to remain empowered.
Rifky Taufiq Fardian
Mentor
I am thrilled to see the positive impact that the student mentees
have had on MSME entrepreneurs in various regions. They
are actively consulting, and some even share their mentoring
experiences daily. The clients feel greatly assisted, as those who
initially lacked knowledge in branding or financial management are
now more confident in running their businesses. Year by year, the
benefits of the Bestee program continue to grow, both for MSMEs
PT Bank BTPN Syariah Tbk
and students. I hope they continue to thrive with the valuable
insights and experiences gained from this program.
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students
Students who join the Bestee program have the Before assisting customers, students are
opportunity to apply the knowledge they gained provided with training materials to ensure
in university to contribute to building sustainable, they understand and are ready to support
excellent behavior within the inclusive community. customers effectively in the field. During the
Additionally, students who act as facilitators assistance process, students are required to
receive training in various soft skills, such as the create reports consisting of photos, videos, and
ability to adapt to new environments, empathize descriptions of the outcomes of each meeting
with others, and think and act strategically to session. These reports are then given feedback
solve problems and achieve targets. They are and recommendations for improving future
equipped to face challenges and meet the Key assistance sessions. A comprehensive evaluation
Performance Indicators (KPIs) set for them. is conducted after each semester’s assistance
period ends. Students are recognized with an
internship certificate for the Bestee Program,
awards for the best Bestee facilitators, and are
directly included in the Bestee Army community.
PT Bank BTPN Syariah Tbk
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testimony
facilitator/students
Fatimah Az Zahra
Facilitator
The independent internship at BTPN Syariah is definitely a lot of
fun, guys! We get to learn a lot of things, such as about SMEs,
entrepreneurship, problem solving, and of course, we need to
learn discipline while working in remote areas. We also get to
explore new things, and there are so many things I’ve learned
as a facilitator, from good practices to things that are really
beyond belief, but it’s all so exciting that eventually I ended up
standing at the Head Office in Jakarta. I was invited here, and all
accommodation was provided by BTPN Syariah. I’m really happy
here. Don’t forget to always empower yourself wherever you are!
Okky Anggara Putra
Facilitator
I’m happy because I’ve had the opportunity to get to know various
types of businesses from our customers, hear their stories, and
even help them grow their businesses in the future. It’s rewarding
to be able to guide them in improving their businesses moving
forward
Sekar Cantika Dhany Rahmania
Facilitator
The positive aspects that I’ve experienced during the Bestee
program are, first, the improvement of both my soft skills and hard
skills. I’ve been able to enhance my analytical abilities, leadership
skills, and interpersonal skills through direct interactions with
customers in the field. Second, I gained practical experience in
assistance MSME (Micro, Small, and Medium Enterprises) owners,
which helped me develop both my entrepreneurial and social skills.
Third, through this program, I had the opportunity to meet and
PT Bank BTPN Syariah Tbk
collaborate with various parties such as customers, Community
Officers, Branch Managers, mentors, and other facilitators, which
allowed me to expand my professional network.
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customer assistance
The Bestee program is here to develop and not only guide customers to understand the
enhance our customers’ sustainable winning business module but also at the same time make
behaviors. As an inclusive community, they innovations that are useful for the progress
are often faced with various challenges in of customer businesses such as banners and
starting and running a business. The students product price lists. This collaboration is very
with a sincere spirit of assistance help them valuable for the mothers of micro business
through access to knowledge. Students with customers and makes them more courageous to
the knowledge and guidance of the Mentors try and work hard to realize their dreams.
customer
testimony
Ibu Wainah
Customer
I have been greatly helped by the assistance from the students.
Previously, I didn’t know about taglines, but now I understand.
With the guidance from the students, I hope my business can
grow, run smoothly, and develop, becoming more successful. A big
thank you to the students and Bestee. I also want to express my
gratitude for the patience of the students showed in teaching me
during the assistance process. Thank you so much, Bestee.
Ibu Rusmilah
Customer
Before I received assistance, my business didn’t have a name.
Now, I have been given a banner and a name for my snacks to sell.
Hopefully, after my store has a name and banner, it will progress,
run smoothly, attract more customers, and become more
successful. I would like to express my gratitude because, after
receiving the assistance, I feel more motivated. The student who
mentored me was very helpful, providing information, guidance,
and tips to help my business grow and become more successful.
PT Bank BTPN Syariah Tbk
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Ibu Rumyani
Customer
I am grateful to the student assistance for making a price list.
With this price list, my buyers don’t haggle anymore because
they already know the price of my merchandise. Hopefully
the accompanying student lectures will be successful until
graduation. May my sales be more successful and bigger.
Ibu Ruci
Customer
Before the assistance, I could only manage my business in my
own way. After receiving the assistance, I feel much better and
will definitely continue to use the support from the students
to make my business more successful. My hope after receiving
the assistance is that my business will thrive, and my customer
service will improve as well. I would like to express my sincere
gratitude because the students were able to adapt well with
us, the community in the village, who may still have some
shortcomings in terms of language or manners. Thank you for the
assistance, and I wish the students all the best and much success.
PT Bank BTPN Syariah Tbk
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environmental social
responsibility activities (TJSL)
social funds [F.25][GRI 203-1, 203-2]
As a Sharia bank that upholds Sharia principles, we have collected funds from penalties outside the
agreed financing contracts. In 2024, the disbursed funds amounted to IDR 1,096,326,831. In line with the
philosophy of “do good, do well” and the principle of rahmatan lil alamin, we allocate these funds for the
benefit of the community.
We share the benefits of good deeds by assisting underserved communities across various regions in
Indonesia, from Sumatra to Sulawesi, within our operational areas. We improve public infrastructure,
provide access to clean water, conduct awareness programs and distribute agricultural tools, offer
nutritional support for pregnant women and toddlers, and promote financial literacy and education to
enhance employment opportunities. Additionally, we provide aid to victims of natural disasters such as
floods, earthquakes, landslides, volcanic eruptions, tornadoes, and fires.
These various initiatives contribute to achieving 8 (eight) Sustainable Development Goals (SDGs):
Goal 1 - No Poverty
Goal 2 - Zero Hunger
Goal 3 - Good Health and Well-being
Goal 4 - Quality Education
Goal 6 - Clean Water and Sanitation
Goal 8 - Decent Work and Economic Growth
Goal 9 - Industry, Innovation, and Infrastructure
Goal 11 - Sustainable Communities
Details of the social fund distribution are provided in the table below
location activities SDGs contribution
Sumatera Bandar Distribution of Social and Material Assistance
Lampung for the Renovation of Pondok Pesantren Al Islami
Assalafi Ibtida in Panjang Village
Batu Bara Socialization, Education, and Sharia banking
Activities for the General Public and BTPN Syariah
Customers
Bukit Tinggi Development of Clean Water Facilities in Minas Jaya
Village, Minas District, Siak Regency
Improvement of the Suspension Bridge in Jorong
Sungai Gemiri, Nagari Padang Laweh, Koto VII
District, Sijun Regency
Jambi Renovation of Nurul Ihsan Mosque
PT Bank BTPN Syariah Tbk
Lampung Socialization and education activities on the
Utara importance of education for future job opportunities
and the provision of social assistance for the
development of Sunan Ampel Islamic Boarding
School
Mandailing Agricultural Training for Farmer Groups
Natal
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location activities SDGs contribution
Medan Seminar and Agricultural Equipment Assistance
Activities in Belinteng Village, Sei Bingai District,
Langkat Regency
Musi Give Back to Community program in the form of
free circumcision for children of financing customers.
Ogan Ilir Program to fulfill the nutritional intake of toddlers
and pregnant women in 3 regions Baturaja, Tanjung
Raja and Tebing Tinggi
Pidie Construction of clean water facilities in Ladang
Rimba Village, Ujung Padang Hamlet, Trumon
Tengah District, South Aceh Regency
Banten Serang Repainting and purchasing tables and chairs in
Mandalawangi Sub-district
Tangerang Meeting hall renovation, wallpaper installation,
ceiling repair, and sound system in Cibadak Sub-
district
DKI Jakarta Jakarta (Head Funding for Computer Laboratory
Office)
West Java Bandung Improvement of hall facilities in Cimanggung Sub-
district
Bekasi Public hall repair in Babelan Sub-district, Bekasi
Bogor Improvement of public facilities at (2) points in
Rumpin and Leuwiliang sub-districts with the
purchase of showcases, sound systems and
videotrons.
Ciamis Provision of sound system in Panjalu sub-district and
portable fans and tables in Banjarsari sub-district
Cianjur Hall painting, ceiling and canopy repair in
Kadudampit Sub-district
PT Bank BTPN Syariah Tbk
Cirebon Provision of fans and chairs in Losari Sub-district
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location activities SDGs contribution
Garut Painting of meeting rooms, repairing leaking ceilings,
and meeting lecterns in Cibiuk Sub-district
Indramayu Chairs and sound system in Kandanghaur Sub-
district
Procurement of hall facilities in Blanakan Sub-
district, Subang Regency
Karawang Provision of meeting hall wardrobe and curtains for
Kota Baru Sub-district office
Kuningan Renovation on Leuwimunding Sub-district hall
Purwakarta Repair of toilets in the customer center and
purchase of chairs in the public hall of the sub-
district office
Central Java Banyumas Scholarships for outstanding and underprivileged
students
Brebes Procurement of prayer equipment at places of
worship
Demak Basic food assistance for orphans and poor children
in Boyolali Regency
Basic food assistance for orphans and poor people in
Jepara Regency
Basic food assistance for orphans and poor people in
Demak Regency
Pati Basic food assistance for the poor in Rembang
Regency, clean water reservoir assistance in Sragen
Regency, worship facilities and basic food assistance
in Grobogan Regency
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location activities SDGs contribution
Pekalongan Renovation of Quranic recitation area &
procurement of portable sound for Al Faizin Islamic
Boarding School
Renovation of the Quran room at Al Falah Islamic
Boarding School
Semarang Give prayer tools in MMS jateng 3 region
Solo Construction of clean water reservoir Wonogiri
Supporting facilities for Islamic Education
Institutions (PAUD) and scholarships as well as
renovation of Koranic places and procurement of
portable sound
Wonosobo Renovation of Mushola/TPA Facilities
DI Yogyakarta Kulon Progo Procurement of goods for Foster Homes &
Procurement of Mukena around MMS
East Java Banyuwangi Construction of bathroom and ablution place at
Mushola Nurul Huda in Kukusan Village
Construction of public bathrooms as an effort to
improve sanitation in Muncar
Making reservoirs as water sanitation in the
community environment in Merak Village Banyuputih
Situbondo
Repair of TPQ in Kampung Timur, Trigonco
Asembagus Situbondo
Mushola renovation and bathroom construction
Mushola Al-Ikhlas
Batu Repair and procurement of building materials for
Raudhatul Iman Mosque in Blitar
PT Bank BTPN Syariah Tbk
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location activities SDGs contribution
Bojonegoro Renovation of Quran Education Park (TPQ)
Jember Improvement of clean water sanitation in Bedayu
Talang Village, Senduro Sub-district
Kediri Social assistance for Orphanage in Krajan,
Trenggalek Regency
Nganjuk Scholarship for 5 vocational schools in Jatim 1 region
Probolinggo Repair and renovation of MCK Kraton, procurement
of ablution place & MCK mushola Probolinggo
Sidoarjo Donation for orphans in Pacet Sub-district,
Mojokerto
Madura Bangkalan Orphan donation and medical check-up in
Bangkalan
Orphan charity & food distribution in Batu Layar
Mataram
PT Bank BTPN Syariah Tbk
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location activities SDGs contribution
Bali and Nusa Bima Wera Mushola Renovation
Tenggara
Kupang Sharing the love of orphans in Baliku
Kalimantan Pontianak Hall repair in Sungai Pinyuh Sub-district
Sulawesi Kendari Provision of mosque carpets
Provision of street lights in Muna area
Makassar Provision of street lights and repair
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building sustainable excellent
behavior for the good of the earth
BTPN Syariah believes that preserving the environment
is a shared responsibility. Through collaboration with
stakeholders, we cultivate excellent behavior in managing
resources wisely for the future of the next generation.
Through the Bank’s efforts to build sustainable excellent behavior across all
operational lines, we ensure that #bankirpemberdaya actively implement
sustainable finance. For example, by using paper, electricity, fuel, and water
wisely and efficiently. We also strive to reduce greenhouse gas emissions
and air pollution, as well as manage waste in accordance with applicable
regulations.
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sustainability report 2024 | sustainability performace
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commitment to climate change 51/POJK.03/2017 on the Implementation
of Sustainable Finance for Financial Service
Institutions, Issuers, and Public Companies. The
The global average temperature in 2024 set a Bank also welcomes OJK’s policy on climate
new record as the hottest in history. According change risk management and closely examines
to data from the World Meteorological the Climate Risk Management & Scenario
Organization (WMO), for the first time, the rise Analysis (CRMS) Guidelines for potential future
in global average temperature has exceeded the alignment.
1.5°C threshold compared to the pre-industrial
era. This increase is not only caused by natural The Bank has a public complaint mechanism
Earth activities but is also driven by large for its business activities, including operations
amounts of greenhouse gas (GHG) emissions that impact the environment and society.
produced by human activities. Throughout 2024, the Bank did not receive
any reports related to non-compliance with
The rise in global average temperature is one environmental laws and regulations arising from
of the early indicators of climate change, which its business activities, including those involving
has widespread impacts. Climate change #bankirpemberdaya in their efforts to assist
triggers extreme weather patterns, disasters and empower inclusive communities. There were
such as floods and droughts that claim lives, and no violations of environmental regulations that
increases the risk of virus outbreaks and disease resulted in fines or monetary sanctions for the
spread. As an Inclusive Sharia Bank that has Bank. [OJK F.16] [GRI 2-27]
served the inclusive community for more than
a decade, we understand that the segment we
manage resources wisely
serve is among the most vulnerable to the effects
of climate change. Their economic resilience
can be directly eroded by natural disasters, crop environmental costs [OJK F.4]
failures that drive up food prices, and disease
outbreaks. As a commitment to reducing the operational
impact on the environment, the Bank allocates
Understanding this, BTPN Syariah is committed costs for purchasing water from the Public
to actively managing the environmental impact Water Company (PAM). BTPN Syariah utilizes
of its operational activities. The Bank also PAM water for operations at its head office
supports efforts to maintain financial system and branch offices. Thus, the Bank does not
stability by managing social and environmental contribute to water scarcity, especially in
risks, in line with the implementation of Financial drought-prone areas, and does not cause
Services Authority Regulation Number groundwater depletion.
description 2023 2022 2021
PAM Water Cost* (IDR) 158,770,050 140,798,450 126,780,100
Water usage multiplied by the Perusahaan Air Minum (PAM) tariff for Group IV B (Bank) at IDR 12,550/m³
sustainable excellent operations
BTPN Syariah’s commitment to building sustainable excellent behavior across all operational lines is
reflected in efforts to use energy and paper materials wisely, thereby reducing the bank’s greenhouse
PT Bank BTPN Syariah Tbk
gas (GHG) emissions.
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sustainability report 2024 | sustainability performace
environmentally friendly materials [OJK F.5]
To support sustainability, the Bank is committed to conserving material usage and prioritizing
recyclable materials to minimize environmental impact.
Specifically in paper usage, the Bank consistently implements policies and work programs that promote
a culture of efficiency. As of December 31, 2024, paper is still used for certain administrative activities
as needed. However, paper consumption continues to decrease each year in line with the broader
implementation of digitalization in the Bank’s operations.
paper usage
description 2024 2023 2022
Paper Procurement Cost (IDR million) 7,343 7,829* 10,287*
Paper Used (kg) 235,977 239,074* 319,730*
*the cost of paper procurement and the amount of paper used in 2023 and 2022 have been restated by refining the calculation method and expanding
the scope to include both the head office and branch offices.
In 2024, paper usage for office operations was recorded at 235,977 kilograms, showing a decrease
compared to the previous year. This reduction in paper usage directly contributed to a decrease in paper
waste generated by the Bank and helped lower CO2 emissions associated with paper consumption.
Bank activities that no longer use paper
1. Community Officers only need to use the Terra application to serve inclusive customers,
covering the financing application process, disbursement, installment payments, and other
activities that previously relied heavily on paper. Digitalization makes work processes more
transparent, accurate, fast, and environmentally friendly.
2. Communication media utilize e-mail and Microsoft Teams, eliminating the need to print
presentation materials. Furthermore, follow-ups do not need to be printed as they are already
recorded.
3. Employment documents, such as BPJS Health e-letter cards, BPJS Employment e-letters,
Transfer Decrees, Promotion Decrees, employee information, SOPs, technical guidelines, and
other employment-related letters, can be accessed directly by employees online through the
Human Capital system.
4. Document submission and communication between Divisions and Directorates have been
optimized using e-mail.
5. Document storage is done in softcopy format via electronic filing (Cofilib/Corporate Filing and
Library).
6. Automation in MMS transaction services for customers has been fully implemented, covering
regular transactions during Sentra Routine Meetings, collection processes, and improvements
in transaction workflows.
7. Automation in cash management monitoring for MMS transactions, as well as automated
recording instructions to KFO/KC, and improvements/simplification of other processes at the
Head Office.
8. Operational regulation dissemination, work coordination, and meetings are conducted online.
PT Bank BTPN Syariah Tbk
9. Submission of reports to the authorities is done through e-reporting platforms (such as
SIPENA OJK for Sharia banking Supervision, IDX Net, and OJK Net), eliminating the need for
printed reports. This reduces paper usage and saves document storage space.
10. Annual Reports and Sustainability Reports are provided to Shareholders at the Annual
General Meeting in softcopy format via flash drives. Meanwhile, the Meeting Rules, Additional
Information, and Disclosure documents are available on the Bank’s website.
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Bank’s Efforts to Reduce Paper Usage
1. Documents under review will be sent via email first before being printed for approval.
2. All PCs and notebook at the Head Office are automatically set to print double-sided.
Additionally, paper usage is maximized by utilizing both sides of the paper.
For lighting, the Bank has switched to using LED energy efficiency
lights, which do not contain hazardous materials
and can be recycled. As of December 31, 2024,
the Bank has installed an estimated 1,699 LED As part of its efforts to create sustainable
lights at the head office. We plan to extend this operations, BTPN Syariah continues to innovate
practice to branch offices, the Mobile Marketing in implementing energy efficiency measures
Sharia (MMS), and company dormitories in the across various aspects of its operations. Our
future. headquarters is located in a building certified
with the Gold Standard Certificate for Green
In addition, the Bank continues to uphold its Building by the Green Building Council Indonesia.
policy of not providing bottled water in plastic The Bank also enforces policies and programs
packaging. This policy supports the positive that promote an energy efficiency culture among
habit of #bankirpemberdaya bringing their #bankirpemberdaya.
own reusable water bottles and refilling them
collectively. In 2024, BTPN Syariah’s electricity consumption
intensity decreased by 14.32%compared to 2023,
Furthermore, to reduce the use of plastic-based continuing the downward trend of 6.68% in 2023
dining utensils, the employee cafeteria has compared to 2022. However, the consumption of
been equipped with adequate reusable utensils. fuel for Operational Service Vehicles (KDO) and
Additionally, employees actively support this public transportation usage increased overall
initiative by bringing their own dining utensils. due to higher employee mobility for business
purposes.
energy consumption [OJK F.6] [GRI 302-1, 302-2, 302-3]
unit 2024 2023 2022
Fuel Energy
Fuel Consumption for Liter 161,084 139,861 188,742
Operational Service Vehicles (KDO)*** GJ 5,315.77 4,615.41 6,228.49
Electric Energy
kWh 3,271,510 4,122,674 4,576,248*
Electricity Consumption
GJ 11,777.44 14,841.63 16,474.49
Building Area m2 22,468 24,258 25,127*
Building Energy Consumption Intensity kWh/m2 145.61 169.95 182.12*
Reduction in Electricity Consumption Intensity** % 14.32 6.68 N/A
PT Bank BTPN Syariah Tbk
Total Energy Consumption GJ 17,093.21 19,457.04 22,702.98
Revenue IDR million 4,894.273 5,259.749 5,029.350
Energy Intensity GJ/IDR million 0.0035 0.0037 0.0045
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sustainability report 2024 | sustainability performace
energy consumption [OJK F.6] [GRI 302-1, 302-2, 302-3]
unit 2024 2023 2022
Business Travel
Domestic Air Travel Total 3,335 2,978 1,819
International Air Travel Total 2 0 0
Train Travel Total 522 365 176
* Conversion Factors:
• 1 Liter of Fuel (Pertalite and Pertamax) = 0.033 GJ
(Based on Book II Guidelines for National GHG Inventory Implementation, 2012)
• 1 kWh = 0.0036 GJ
(Based on IPCC (UNEP) 2006 standards, GHG Protocol (WBCSD, WRI), ISO 14064)
** Restated to include both headquarters and branch offices.
*** Data for 2022 and 2023 has been restated by refining the calculation method and
expanding coverage to 91 operational service vehicles for a full year.
BTPN Syariah’s energy-saving efforts Green Building
successfully reduced the Building Energy The BTPN Syariah Head Office is located in
Consumption Intensity (IKE) by 24.34 kWh/m² to a building certified with the Gold Standard
145.61 kWh/m² in 2024. This figure falls within the Certificate for Green Building by the Green
“moderately efficient” category based on the IKE Building Council Indonesia. The building is
standard for buildings with air conditioning. IKE designed with sustainability principles, combining
is an energy efficiency indicator that measures aesthetics, functionality, and environmental
electricity consumption in the building sector. The friendliness. Its open ceiling concept not only
IKE assessment refers to SNI-03-6196-2000 on provides a modern look but also enhances air
Energy Audit Procedures for Buildings. circulation, increasing indoor oxygen levels by
up to 50%. The open upper section maximizes
Meanwhile, we strive to gradually reduce the natural lighting, reducing electricity consumption
need for business travel by implementing digital for illumination. To maintain stable lighting
technologies, such as conducting meetings and temperature, adjustable window blinds are
online. Furthermore, BTPN Syariah collaborates available.
with SMBC Bank to provide transportation
for employees conducting activities around We also ensure that workspaces at the head
the Head Office area, helping to minimize office are not only functional but also healthy
fuel consumption from personal employee and energy-efficient. An environmentally friendly
transportation. air conditioning system is used with precise
settings to maintain comfort without wasting
energy efficiency efforts and the use energy. Meanwhile, energy-saving LED lights are
equipped with motion sensors that automatically
of renewable energy [OJK F.7] [GRI 302-4,
302-5] turn off when no movement is detected in
the room. To maintain cleanliness and health,
BTPN Syariah understands that energy we have implemented ultraviolet germicidal
consumption in daily operations can significantly irradiation technology, which effectively
impact the environment, including Greenhouse sterilizes the air by eliminating microorganisms.
Gas (GHG) emissions and rising operational Additionally, the floors are coated with epoxy
costs. Therefore, we are committed to floor coating to prevent bacterial and germ
continuously implementing various energy growth, creating a more hygienic workspace.
PT Bank BTPN Syariah Tbk
efficiency measures to reduce environmental
impact while supporting sustainability.
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Eco-friendly principles are also applied at branch benefits—enhancing aesthetics while lowering
offices and operational functional offices to temperatures and improving air quality. This
reduce greenhouse gas emissions from electricity reduces the need for cooling energy, creating a
usage and lower office operational costs in the cool, comfortable, and refreshing environment.
long run. The use of live plants provides dual
efforts in energy efficiency and renewable energy usage
Utilization of Digital Technology Eco-Friendly Technology Innovations
• Public expose, meetings with analysts, and • Utilization of private cloud data center
meetings are conducted in a hybrid manner for efficient information and energy
to reduce transportation needs. management.
• Information disclosure and press releases are • Use of LED lights and motion-triggered lights
delivered digitally via e-mail. in head office spaces.
• General Meeting of Shareholders (GMS) is • Environmentally friendly air conditioners with
conducted online, reducing paper usage and usage limited to fit the needs.
transportation trips.
Eco-Friendly Building Design Transportation and Mobility
• Double-Glazed Windows Maximizing • Community-Based Business Model: Reduces
natural lighting while improving energy the need for financing customers to travel
efficiency. for banking services. Empowerment bankers
• Green Spaces & Live Plants Implemented in #bankirpemberdaya (community officer)
branch offices to lower temperatures and can meet 15 customers at a single center
reduce air conditioning usage. (sentra), providing efficient service.
• Electric Vehicles for Operations: Utilizing
electric cars as operational vehicles for the
Board of Directors.
In addition to these efforts, our RAKB (Sustainable Finance Action Plan) includes targets to optimize
digitalization and process automation to reduce paper usage. Furthermore, we continue to refine our
environmental management baseline and expand awareness campaigns on eco-friendly operations
across the company.
water usage [OJK F.8][GRI 303-3, GRI 303-5]
BTPN Syariah’s operational offices and ensure that water installations and systems are
Community Officer dormitories are spread well-maintained, preventing leaks or unnecessary
across various regions in Indonesia. All water water waste.
supply for these offices and dormitories comes
from PDAM (local water utilities), ensuring that We also track the consumption of drinking
water is not sourced from water-scarce areas. water from gallon dispensers separately to
PT Bank BTPN Syariah Tbk
enhance transparency. As of 2024, water usage
To support efficiency, water taps in BTPN Syariah calculations currently cover only BTPN Syariah’s
offices are equipped with sensors, allowing head office.
#bankirpemberdaya and customers to use water
sparingly in their daily activities. Additionally, we
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sustainability report 2024 | sustainability performace
water usage unit 2024 2023 2022
PAM Water m3 12,651 11,219* 10,102*
Gallon Drinking Water m3 21.26 25.15 25.32
Total m3 12,672.26 11,244.15 10,127.32
*Data has been restated by refining the measurement method and expanding coverage to include both the headquarters and branch offices.
biodiversity from illegal logging or wildfires. This year, we
have not conducted similar initiatives. However,
BTPN Syariah recognizes that biodiversity we plan to implement them in the future.
conservation is an essential part of sustainability,
especially for inclusive communities in rural
greenhouse gas (GHG)
areas that rely on nature for their livelihoods. By
supporting environmentally friendly practices emissions
and community-based empowerment, we strive BTPN Syariah recognizes the importance of
to maintain ecosystem balance and help protect managing Greenhouse Gas (GHG) emissions to
the livelihoods of inclusive communities. minimize negative environmental impacts. We
are committed to identifying, monitoring, and
All operational office buildings and Community reducing our carbon footprint. Through initiatives
Officer residences of BTPN Syariah are such as energy efficiency, process digitalization,
located in residential and urban areas, far and resource optimization, we actively contribute
from conservation zones or high-biodiversity to the global goal of achieving Net Zero
regions. Therefore, our operations do not impact Emissions.
conservation areas or sensitive habitats.[OJK F.9]
types and intensity of emissions
biodiversity conservation efforts [OJK produced [OJK F.11]
F.10]
As part of our commitment to biodiversity The Bank’s operations contribute to one type
conservation, the Bank has undertaken various of Greenhouse Gas (GHG) emission, namely
initiatives that contribute to ecosystem CO₂ emissions, totaling 3,729.40 tons of CO₂-
restoration, thereby helping to reduce carbon eq for the year 2024. These emissions originate
emissions in previous years. Community from fuel consumption (BBM), electricity usage
involvement is a key approach to ensuring from PLN, and paper consumption supporting
the sustainability of conservation efforts. A the Bank’s operations. Meanwhile, we plan to
community that understands the importance of calculate GHG emissions from business travel in
biodiversity conservation can help protect forests the future.
unit 2024 2023 2022
GHG Emissions Scope 1
Operational Vehicle Fuel (BBM)* kg CO₂-eq 366.79 318.46 429.77
GHG Emissions Scope 2
PT Bank BTPN Syariah Tbk
Electricity Consumption from PLN** kg CO₂-eq 3,055.59 3,850.57 4,274.21
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unit 2024 2023 2022
GHG Emissions Scope 3
CO₂ Emissions from Paper Usage*** kg CO₂-eq 287.89 291.67 390.07
Total GHG Emissions (Scope 1 and 2) kg CO₂-eq 3,422.3 4,169.03 4,703.98
Revenue IDR million 4,894,273 5,259,749 5,029,350
Financing Disbursement
IDR million 9,641,128 11,367,662 11,527,463
(Murabahah Receivables)
GHG Emission Intensity kg CO₂-eq/IDR
0.00070 0.00080 0.00094
GHG Emissions/Revenue million
GHG Emission Intensity/ kg CO₂-eq/IDR
0.00036 0.00037 0.00041
Financing disbursed million
* 1 GJ of Fuel (RON 92 Gasoline) = 0.069 tons CO₂-eq (ESDM, 2020, Tier 1 IPCC)
1 kWh = 0,934 kg CO2
** 1 kWh of Electricity = 0.934 kg CO₂ (PLN - Electricity Supply Business Plan 2015 2024)
(Environment Protection Authority Victoria, Australia) 1 kg of Paper = 1.22 kg CO₂-eq
*** (Environment Protection Authority Victoria, Australia)
efforts and achievements in reducing emissions [OJK F.12]
In order to measure the efforts to reduce GHG On the other hand, the efficiency of electricity
emissions made by the Bank through energy consumption in 2024 had a significant impact
efficiency measures, as well as maximizing digital on reducing GHG emissions in scope 2, with a
technology to reduce transportation and paper reduction achievement of 28.51% compared to
usage, we have set the year 2022 as the baseline. the previous year’s 9.91%. Meanwhile, emissions
In scope 1, GHG emissions were successfully in scope 3 from paper usage continue to show a
reduced by 25.90% in 2023. However, due to the stable decreasing trend, around 25% compared
increased mobility using Operational Service to the baseline year.
Vehicles (KDO), the emission reduction in 2024
only reached 14.65%.
emission reduction target
2024 2023 2022
Reduction of Scope 1 GHG emissions
Fuel consumption ↓ 14.65% ↓ 25.90% Baseline
Reduction of Scope 2 GHG emissions
Listrik PLN ↓ 28.51% ↓ 9.91% Baseline
Reduction of Scope 3 GHG emissions
CO2 emissions from Paper ↓ 26.20% ↓ 25.23% Baseline
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | sustainability performace
waste management
The operational activities of BTPN Syariah banking produce waste in the form of paper and domestic
trash, both from activities in the office and in the residences of the Community Officers.
types of waste generated [OJK F.13]
types of waste unit 2024 2023
Non-Hazardous Waste Ton 8,77 4,20
Hazardous Waste (B3 Waste) Ton 4,85 2,08
To minimize paper waste, we have implemented Program at offices and the 5R Program at
policies and programs that encourage a culture residences. These programs involve routine
of efficient paper usage. This initiative not only sorting of organic and inorganic waste,
helps conserve resources but also significantly supporting more effective and environmentally
reduces the amount of waste generated. friendly waste management. [OJK F.14]
In addition to paper waste, our offices and Given the nature of our business, BTPN Syariah’s
community officer residences, totaling operations did not result in any hazardous waste
1,542 buildings, generate domestic waste spills during the reporting period. Additionally, we
from the activities of both customers and received no environmental-related complaints in
#bankirpemberdaya. This domestic waste is 2024. [OJK F.15, F.16]
managed through the Waste Management
PT Bank BTPN Syariah Tbk
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07
about the
sustainability report
We consistently and comprehensively report
our sustainability initiatives and performance
through the Sustainability Report, aligning with
our efforts to foster sustainable excellence in
behavior across all operational lines.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | about the sustainability report
PT Bank BTPN Syariah Tbk
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scope and
reporting period
BTPN Syariah’s commitment to delivering reporting standards and
sustainability initiatives and performance in
economic, environmental, and social aspects assurance
is communicated through the sustainability
report published annually. This report covers This report has been prepared referring to the
information from January 1, 2024, to December Global Reporting Initiative (GRI) Standards
31, 2024, and serves as a continuation of the 2021 and the GRI G4 Financial Services Sector
2023 Sustainability Report. It is published Disclosures. Additionally, as a publicly listed
alongside the 2024 Annual Report in March 2025. company, this report is based on Indonesia’s
[GRI 2-3] Financial Services Authority (OJK) Regulation
No. 51/POJK.03/2017 on the Implementation of
The data and information presented in this Sustainable Finance for Financial Institutions,
report cover activities carried out by BTPN Issuers, and Public Companies, as well as OJK
Syariah, excluding those of its subsidiary, BTPN Circular Letter No. 16/SEOJK.04/2021 on the
Syariah Ventura. The sustainability performance Format and Content of Annual Reports for
of the subsidiary is reported separately. Issuers or Public Companies. References to these
Restatements from the previous report are standards are indicated by numbering in red
indicated below tables that have undergone brackets throughout the report. The GRI 2021
changes. This year, we have included additional index, GRI G4 FS index, and references to OJK
data related to greenhouse gas (GHG) emissions. regulations and circular letters are provided in
[GRI 2-2, 2-4] the Appendices. [OJK G.4]
The financial data presented in this report refer In preparing the 2024 Report, BTPN Syariah
to the Audited Financial Statements prepared has not yet sought written verification from an
under the Indonesian Financial Accounting Independent Party (Assurance). However, the
Standards (PSAK). Quantitative data in this Bank has validated all sustainability performance
report are presented using the principle of data and information, ensuring approval
comparability, covering up to two years prior to from the Board of Directors and Board of
the reporting period (2023 and 2022). However, Commissioners before publication. [GRI 2-5, GRI 2-14]
in 2024, we did not receive any feedback
regarding the data and information disclosed in
the previous year. [OJK G.3]
establishment of the report and material topics [GRI 3-1] [GRI 3-2]
This sustainability report is guided by the GRI sustainability reporting principles, which include:
Content Quality
• Stakeholder Engagement • Clarity
PT Bank BTPN Syariah Tbk
• Sustainability Context • Compatibility
• Materiality • Balance
• Completeness • Accuracy
• Reliability
• Timeliness
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sustainability report 2024 | about the sustainability report
Subsequently, these sustainability reporting 3. Validating material aspects. To ensure the
principles are applied through four stages in prioritization of information presented in this
the preparation of the sustainability report, in report, all material aspects (completeness)
alignment with GRI standards, as follows: are validated by the Sustainability Task Force.
1. Identifying material aspects and defining 4. Reviewing the report after publication to
the scope. The identification of sustainability enhance the quality of the following year’s
aspects (sustainability context) is based report (Review Stage). This review will
on their relevance to the characteristics of be conducted by considering input from
the banking industry and their impact on both internal and external stakeholders
stakeholders. (stakeholder inclusiveness).
2. Prioritizing the aspects identified in the
previous step (Prioritization Stage). This
report adopts material topics from the
materiality survey conducted in 2024.
Disclosure of management
Topic Aspects
approach + indicators
Step 1 identification Step 2 identification Step 3 identification
Sustainability Context Materiality Completeness
Stakeholder Engagement
Step IV Review
Sustainability Context Stakeholder Engagement
PT Bank BTPN Syariah Tbk
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The involvement of stakeholders, both internal topics relevant to the Bank’s business activities.
and external to the Bank, plays a crucial role A materiality survey was also carried out to
in the preparation of the sustainability report. identify topics considered most important and
Therefore, we place great importance on the significantly impactful for stakeholders. In 2024,
input from all stakeholders, which is gathered a similar survey was conducted again, involving
through various stakeholder engagement both internal and external stakeholders. The
activities such as General Meetings of results of this survey are expected to serve as
Shareholders (GMS), analyst meetings, media a stronger foundation for prioritizing relevant
briefings, employee meetings, and feedback and high-impact topics in economic, social,
forms. These inputs are used for validation and environmental, and governance aspects. We
review to improve the report from year to year. believe that initiatives and programs developed
These steps are taken to ensure that the report’s based on the survey findings will be more
content adheres to the principle of balance, effective in delivering benefits to stakeholders.
including the disclosure of both positive and
negative information or performance. The materiality survey measures the level of
importance and impact of topics according to
In 2021, BTPN Syariah conducted in-depth stakeholders. The survey results are presented in
discussions involving experts to determine the following matrix:
27
High
4
14
Level of Importance
1 3
13
15 2
16
Medium
5
10
6 11
26
12 23 25
9
21 22
24 8
7
19
20
Low
17
18
PT Bank BTPN Syariah Tbk
Rendah Medium High
Level of Impact
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sustainability report 2024 | about the sustainability report
1. Economic performance 14. Occupational safety
2. Sustainable financial products and services 15. Employment (salaries, benefits, and facilities)
(Financing for Inclusive Communities) 16. Employee training and capacity development
3. Banking infrastructure facilities for the 17. Leave entitlements
community 18. Technology (digitalization, innovation, data
4. Procurement practice of goods and services security, and confidentiality)
from local suppliers 19. Customer experience and satisfaction
5. Use of eco-friendly materials 20. Financial literacy
6. Energy consumption 21. Accessibility to banking services
7. Water consumption 22. Corporate governance
8. Waste management 23. Business ethics
9. Generated Greenhouse Gas (GHG) emissions 24. Risk management
10. Biodiversity conservation 25. Anti-corruption
11. Climate change 26. Legal compliance
12. Equal opportunities 27. Marketing and labeling/Clear information on
13. Diversity and inclusion products and services
In general, all topics are considered to have a high impact by stakeholders. However, only three high-
impact topics are regarded as the most important by our stakeholders. These three topics include
marketing and labeling/clear information about products and services, the practice of procuring
goods and services from local suppliers, and occupational safety. In addition, six high-impact topics
deemed important are economic performance, banking infrastructure facilities for the community,
sustainable financial service products (financing for the inclusive communities), diversity and inclusion,
employment, and energy usage.
list of material topics [GRI 3-2]
Here are the nine (9) material topics that have been arranged based on stakeholder priorities and
benchmarking against the banking industry.
no material topics disclosure material reason [GRI 3-3]
1 Marketing and 417-1: Requirements for Product BTPN Syariah emphasizes the importance of
Labeling/Clear and Service Labeling and clear information regarding Sharia banking
Information on Information products and services. This transparency
Products and Services is supported by financial literacy to ensure
[GRI 417] that prospective customers understand
their benefits and obligations. As a
result, customer loyalty in fulfilling their
commitments increases, and the bank’s
reputation as a provider of high-quality
financial services remains well-maintained in
the community.
2 Procurement practices 204-1 Proportion of expenditure on The procurement of goods and services for
of goods and services local suppliers. BTPN Syariah’s business operations involving
from local suppliers. local suppliers can boost the regional
[GRI 204] economy, create job opportunities, and
PT Bank BTPN Syariah Tbk
strengthen a more sustainable supply chain.
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no material topics disclosure material reason [GRI 3-3]
3 Occupational Health 403-2 Hazard identification, BTPN Syariah understands that employees,
and Safety [GRI 403] risk assessment, and incident both Community Officers who regularly visit
investigation customers’ homes and office employees,
face health and safety risks in carrying out
403-5 Worker training on health their duties. Therefore, the bank provides
and safety at work relevant training to enhance understanding
and skills in occupational health and safety
aspects for the employees.
4 Economic 201-1 Direct economic value Strong economic performance enables
performance [GRI 201] generated and distributed BTPN Syariah to continue its mission of
empowering inclusive communities. The
sustainable creation and distribution of
economic value ensure the well-being of
financing customers and the growth of the
bank.
5 Banking infrastructure 203-1 Infrastructure investment Adequate banking infrastructure investment
facilities for the and support services is crucial in reaching inclusive communities,
community [GRI 203] especially in remote areas. With better
203-2 Significant indirect economic infrastructure, access to Sharia financial
impacts services becomes broader and more
inclusive. Additionally, significant indirect
economic impacts, such as increased
financial literacy and access to financing and
markets for customers, support sustainable
local economic growth.
6 Sustainable 203-1 Infrastructure investment As a Sharia bank that focuses on
financial services and support services empowering pre-inclusion communities,
products (Financing BTPN Syariah plays a strategic role in
to the Inclusive 203-2 Significant indirect economic providing financial access to segments
Communities) impacts that often do not have access to banking
[GRI 203] services. Inclusively designed financing
products help improve the economic
well-being of customers and strengthen
their financial resilience. Additionally, this
approach supports local economic growth
and creates positive social impact.
7 Diversity and inclusion 405-1 Diversity of governance We are committed to ensuring diverse
[GRI 405] bodies and employees governance and workforce to reflect equality
in working. In addition, transparency in
405-2 Ratio of basic salary and remuneration policies, including equal
remuneration of women compared pay between women and men, is part of
to men our efforts to build a fair workplace and
encourage motivation and retention of all
employees.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | about the sustainability report
no material topics disclosure material reason [GRI 3-3]
8 Employment (Salary, 401-1 Recruitment of new Employee well-being is a priority for BTPN
Allowances, Facilities) employees and employee turnover Syariah in maintaining job satisfaction
[GRI 401] and workforce retention. Fair recruitment,
401-2 Benefits provided to full-time adequate benefits, and leave policies that
employees that are not provided to support work-life balance contribute to a
employees on a temporary or part- conducive work environment. This enables
time basis the company to attract and retain top talent
while sustainably enhancing productivity.
401-3 Maternity leave
9 Energy usage [GRI 302] 302-1 Energy consumption within Energy efficiency is an important factor in
the organization reducing carbon footprint and mitigating
environmental impacts. Moreover,
302-2 Energy consumption outside efficient energy use not only supports
the organization global environmental targets in reducing
greenhouse gas emissions but also lowers
302-3 Energy intensity operational costs.
302-4 Reduction of energy
consumption
302-5 Reduction in energy required
for products and services
contact [GRI 2-3]
Readers can contact the Corporate & Marketing Communication division for further information or any
inquiries regarding this sustainability report.
PT Bank BTPN Syariah Tbk
Address : Menara SMBC 12th Fl., CBD Mega Kuningan Jl. Dr. Ide Anak Agung Gde Agung,
Kav. 5.5-5.6 South Jakarta 12950, Indonesia
Telephone : 021 - 300 26 400
Fax : 021 - 252 0356 (general)
Situs Web : www.btpnsyariah.com
Email : • corsec@btpnsyariah.com
• corporatecommunications@btpnsyariah.com
• investorrelation@btpnsyariah.com
Instagram : @btpnsyariah www.instagram.com/btpnsyariah/
@saya.bankirpemberdaya www.instagram.com/saya.bankirpemberdaya/
Facebook : @btpnsyariah.id www.facebook.com/btpnsyariah.id
PT Bank BTPN Syariah Tbk
YouTube : @BTPN Syariah www.youtube.com/BTPNSyariah
LinkedIn : BTPN Syariah www.linkedin.com/company/btpnsyariah
Tiktok : @btpnsyariah www.tiktok.com/@btpnsyariah
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POJK index
No.51/POJK.03/2017 [OJK G.4]
no index name page
A. Sustainability Strategy
A.1 Explanation of Sustainability Strategy 42
B. Summary of Sustainability Performance Aspects
B.1 Economic Aspect 14, 16
B.2 Environmental Aspect 14, 16
B.3 Social Aspect 15, 16
C. Company Profile
C.1 Vision, Mission, and Sustainability Values 52
C.2 Company Adress 48
C.3 Business Scale 48-57
a. Total assets or asset capitalization and total liabilities 56
b. Number of employees by gender, position, age, education, and
56-57
employment status
c. Names of shareholders and percentage of share ownership; and 48
d. Operational Regions 58
C.4 Products, Services, and Business Activities Conducted 48, 61
C.5 Membership in Associations 63-64
C.6 Significant Changes in Issuers and Publicly Listed Companies 65
D. Explanation of the Board of Directors
D.1 Explaination of the Board of Directors 31
a. Policies to respond to challenges in fulfilling sustainability strategies 32
b. Implementation of Sustainable Finance 34
c. Strategies for achieving targets 36
E. Sustainability Governance
E.1 Responsible Party for Implementing Sustainable Finance 69
83-85,
E.2 Development of Competencies Related to Sustainable Finance
117-118
E.3 Risk Assessment of Sustainable Finance Implementation 86, 88
E.4 Relationship with Stakeholders 94-96
PT Bank BTPN Syariah Tbk
E.5 Issues Regarding the Implementation of Sustainable Finance 96-97
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sustainability report 2024 | about the sustainability report
no index name page
F. Sustainability Performance
F.1 Building Sustainable Culture Activities 110
F.2 Comparison of Production Targets and Performance, Portfolio, Financing
103-105
Targets, or Investments, Revenue and Profit/Loss
F.3 Comparison of Portfolio Targets and Performance, Financing Targets, or
100
Investments in Financial Instruments or Projects Aligned with Sustainable Finance
Environmental Performance
General Aspects
F.4 Environmental Costs 174
Material Aspects
F.5 Use of Environmentally Friendly Materials 175
Energy Aspects
F.6 Quantity and Intensity of Energy Used 176-177
F.7 Efforts and Achievements in Energy Efficiency and Use of Renewable Energy 177
Water Aspects
F.8 Water Use 178
Biodiversity Aspects
F.9 Impacts from Operational Areas Near or in Conservation or Biodiversity Areas 179
F.10 Biodiversity Conservation Efforts 179
Emission Aspects
F.11 Quantity and Intensity of Emissions Generated by Type 179
F.12 Efforts and Achievements in Emission Reduction 180
Waste Aspect
F.13 Amount of Waste and Effluent Generated by Type 181
F.14 Effluent and Waste Management Mechanism 181
F.15 Spills Occurring (if any) 181
Environmental Complaints Aspects
F.16 Number and Substance of Environmental Complaints Received and Resolved 181
Social Performance
PT Bank BTPN Syariah Tbk
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no index name page
F.17 Commitment to Providing Equivalent Services for Products and/or Services to
134
Consumers
Employment Aspects
F.18 Employment Equality of Opportunity 112
F.19 Child Labor and Forced Labor 111, 122
F.20 Regional Minimum Wage 121
F.21 Adequate and Safe Working Environment 112
F.22 Employee Training and Development 115
Community Aspects
F.23 Impact of Operations on Surrounding Communities 142, 145
F.24 Public Complaint 134, 137
F.25 Environmental Social Responsibility (ESR) Activities 166-171
Responsibility for Sustainable Product/Service Development
F.26 Innovation and Development of Sustainable Financial Products/Services 130
F.27 Products/Services Evaluated for Customer Safety 133
F.28 Product/Service Impact 87
F.29 Number of Products Recalled 138
F.30 Customer Satisfaction Survey for Sustainable Financial Products and/or
136
Services
G. Others:
G.1 Written Verification from Independent Party (If Any) 184
G.2 Feedback Form 196
G.3 Response to Feedback on Last Year’s Sustainability Report 184
G.4 List of Disclosures in accordance with Financial Services Authority Regulation
No. 51/POJK.03/2017 regarding the Implementation of Sustainable Finance for 190-192
Financial Institutions, Issuers, and Publicly Listed Companies.
PT Bank BTPN Syariah Tbk
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sustainability report 2024 | about the sustainability report
standard index of GRI
POJK No.51/POJK.03/2017
Usage Statement : PT BTPN Syariah has reported a sustainability report
referring to the GRI Standards for the period
of January 1, 2024 - December 31, 2024
GRI Used : GRI 1 : Foundation 2021
Applicable GRI Sector Standards : GRI G4 Financial Services
GRI standards indicator Page
GRI 2: General Disclosure 2-1 Organization Details 48
2-2 Entities included in sustainability reporting 184
2-3 Reporting period, frequency, and contact points 184, 189
2-4 Restatement of information 184
2-5 External Verification 184
2-6 Activities, value chains, and other business relationships 60-62, 65
2-7 Employees 56-57
2-8 Non-employee workers 57
2-9 Governance structure and composition 71, 81
2-10 Highest governance committee 72, 80
Role of the highest governance body in overseeing impact
2-11 72, 77
management
2-12 Role of senior executives in governance 69, 70, 80
2-13 Delegation of responsibilities for managing impact 68-69
38, 80,
2-14 Statement from senior executive
184
2-15 Conflicts of interest 72, 80
2-16 Communicating critical issues 70
2-17 Collective knowledge of the highest governance body 83-85
2-18 Evaluation of the performance of the highest governance body 80, 123
2-19 Remuneration policy 82, 123
2-20 Processes for determining remuneration 82, 123
2-21 Annual total compensation ratio 83
42, 44,
2-22 Statement on sustainable development strategy
96, 106
PT Bank BTPN Syariah Tbk
100, 134,
2-23 Policy commitments
140
100, 134,
2-24 Embedding policy commitment
140
2-25 Processes for mitigating negative impacts 133, 140
2-26 Mechanisms for obtaining advice and improving issues 93
193
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GRI standards indicator Page
87, 90,
2-27 Compliance with laws and regulations
111, 136
2-28 Membership in associations 63-64
2-29 Stakeholder engagement approach 94-96
2-30 Collective bargaining agreements 110
GRI 3: Material Topics 2021 3-1 Process for determining material topics 184-187
3-2 List of material topics 187-189
GRI 201: Economic
3-3 Management of material topics 188
Performance
201-1 Direct economic value generated and distributed 103-105
GRI 203: Economic Impact 3-3 Management of material topics 188
153, 166-
203-1 Infrastructure investment and support services
171
203-2 Significant indirect economic impact 145
GRI 204: Procurement 3-3 Management of material topics 187
204-1 The proportion of spending on local suppliers 60
GRI 205: Anti-Corruption 205-1 Operations assessed as having corruption-related risks 92
205-2 Communication and Anti-Corruption Training 92
205-3 Proven corruption incident 93
GRI 302: Energy 3-3 Management of material topics 189
302-1 Energy consumption inside organizational 176-177
302-2 Energy consumption outside organizational 176-177
302-3 Energy intensity 176-177
302-4 Reducing energy consumption 177-178
302-5 Reduction in the energy required for products and services 177-178
GRI 303: Water and Effluent 303-1 Interaction with water as a shared resource 178-179
303-5 Water Consumption 178-179
GRI 401: Employment 3-3 Management of material topics 189
401-1 Recruitment of New Employees and Employee Turnover 125-126
Benefits provided to full-time employees not provided to
401-2 121
parttime employees
401-3 Maternity leave 122
GRI 403: Occupational
3-3 Management of material topics 188
Health and Safety
PT Bank BTPN Syariah Tbk
Identification of hazards, risk assessment, and incident
403-2 113
investigation
403-5 Worker training on occupational health and safety 114
GRI 404: Training 404-1 Average training hours per year per employee 117
194
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sustainability report 2024 | about the sustainability report
GRI standards indicator Page
Programs to enhance employee skills and transitional
404-2 118, 120
assistance programs
Percentage of employees receiving regular performance and
404-3 121
career development reviews
GRI 405: Diversity and Equal
3-3 Management of material topics 188
Opportunity
56-57, 71,
405-1 Diversity of Governance Bodies and Employees
76, 80
The ratio of base salary and remuneration for women
405-2 121
compared to men
GRI 406: Non-discrimination 406-1 Incidents of discrimination and corrective actions taken 112
Operations and suppliers at significant risk of child labor
GRI 408: Child labor 408-1 111
incidents
GRI 409: Forced or Operations and suppliers at significant risk of forced or
409-1 122
Compulsory Labor compulsory labor incidents
Operations with local community engagement, impact
GRI 413: Local Communities 413-1 132, 140
assessments, and development programs
GRI 416: Customer Health Health and safety impact assessment of different categories
416-1 87
and Safety of products and services
GRI 417: Goods and Service
3-3 Management of material topics 187
Labeling
417-1 Requirements for labeling and product and service information 130, 142
Incidents of non-compliance related to product and service 135, 138,
417-2
information and labeling 142
Non-compliance incidents related to marketing
417-3 134, 138
communications
Complaints based on violation of customer privacy and loss of
GRI 418: Customer Privacy 418-1 134, 138
customer data
GRI 4 Financial Services Sector Standard
Special Policies for Implementing Environmental and Social
Product Portfolio FS1 42
Aspects in Business Activities
Procedures for Environmental and Social Risk Assessment in 42, 86,
FS2
Business Activities 103, 135
Employee Competency Enhancement Processes to Implement 83-85,
FS4
Applicable Social and Environmental Regulations/ Legislation 117
Percentage of Business Portfolio Divided by Region, Size (e.g.,
FS6 103
Micro/ SME/Large), and Sector
Coverage and Frequency of Audits to Assess the
Audit FS9 Implementation of Environmental and Social Policies and Risk 103
Assessment Procedures
PT Bank BTPN Syariah Tbk
Access Points in Low-Population or Economically Underserved
Local Communities FS13 130, 140
Areas by Type
Access to Financial Services for Marginalized and Underserved
FS14 130, 140
Groups
Policies Ensuring Fairness in Launched Products and Service
FS15 134
Offerings
Initiatives to Conduct and Support Financial Literacy or
FS16 100, 140
Special Financing Activities
195
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feedback
form [OJK G.2]
Your Profile
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Please select the most appropriate answer:
1. This report adequately depicts sustainability 6. Please provide your suggestions/proposals/
aspects for the Company comments on this report:
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7. Please provide your suggestions/comments
2. This report provides both positive and for upcoming reports:
negative information about the Company .....................................................................................
☐ Strongly Agree .....................................................................................
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We appreciate every opinion and
3. This report meets your information needs suggestion provided. This feedback is
☐ Strongly Agree invaluable for improving the performance of
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☐ Strongly Disagree Please return this form to:
4. This report is easy to understand Corporate & Marketing Communication Division
☐ Strongly Agree PT Bank BTPN Syariah Tbk
☐ Agree Menara SMBC 12th Fl., CBD Mega Kuningan
☐ Neutral Jl. Dr. Ide Anak Agung Gde Agung, Kav 5.5-5.6
☐ Disagree South Jakarta 12950, Indonesia
☐ Strongly Disagree
Telephone : 021 - 300 26 400
5. This report is engaging Fax : 021 - 252 0356
☐ Strongly Agree Website : www.btpnsyariah.com
PT Bank BTPN Syariah Tbk
☐ Agree Email :
☐ Neutral corsec@btpnsyariah.com
☐ Disagree corporatecommunications@btpnsyariah.com
☐ Strongly Disagree investorrelation@btpnsyariah.com
196
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sustainability report 2024 | about the sustainability report
PT Bank BTPN Syariah Tbk
197
Page 198
PT Bank BTPN Syariah Tbk
Menara SMBC, 12th Fl. – CBD Mega
Kuningan Jl. Dr. Ide Anak Agung Gde
Agung, Kav. 5.5-5.6 South Jakarta
12950, Indonesia
Tel.: 021 - 300 26 400
Fax.: 021 - 252 0356
Names mentioned 67 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Dr. Ide Anak Agung Gde Agung
p.3 ×2
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person
Dewi Communities
p.17
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org
Financial Services Authority
p.27 ×11
unresolved
org
Indonesia Tbk
p.33
unresolved
org
Bank Tabungan Pensiunan Nasional Syariah Tbk
p.48 ×5
unresolved
org
PT Bank Purba Danarta
p.48 ×4
unresolved
org
H. Abu PT Bank BTPN Syariah Tbk Jusuf
p.48 ×2
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person
Notary Winarti Lukman Widjaja
p.48
unresolved
org
Minister of Law and Human Rights
p.48 ×3
unresolved
org
PT Fitch Ratings Indonesia
p.49 ×7
unresolved
org
PT BTPN Syariah Ventura Instagram
p.49
unresolved
org
Indonesia Stock Exchange
p.49 ×3
unresolved
org
PT Bank Sahabat
p.50 ×2
unresolved
org
PT Bank Tabungan Pensiunan Nasional Articles
p.50
unresolved
person
Haji Abu Jusuf
p.50
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person
Hadijah
p.50 ×2
unresolved
org
Minister of Justice
p.50
unresolved
org
Semarang District Court
p.50
unresolved
person
Indah Indriani
p.50
unresolved
org
Minister of Finance
p.50
unresolved
org
Bank Tabungan Pensiunan Nasional Tbk
p.51 ×3
unresolved
person
Ratam
p.51
unresolved
org
Bank Indonesia
p.51 ×8
unresolved
org
PT Bank Sahabat Purba Danarta
p.51
unresolved
org
Bank Pensiunan Nasional Tbk
p.54 ×2
unresolved
org
Bank Tabungan Pensiunan Syariah Tbk
p.54 ×2
unresolved
org
Nasional Syariah Tbk
p.54
unresolved
org
Syariah Tbk
p.54
unresolved
org
PT BTPN Syariah Ventura
p.54
unresolved
org
PT Bank Tabungan Pensiunan
p.55 ×2
unresolved
org
Closed Nasional Syariah Tbk
p.55
unresolved
org
Bank Tabungan Pensiunan Nasional Stock Exchange
p.55
unresolved
org
Ministry of Religion. Tepat Deposito A
p.61
unresolved
org
PT Kustodian Sentral Efek
p.63
unresolved
person
IDR
· Member
p.63 ×10
unresolved
org
Bank Syariah
p.63
unresolved
person
Forum Komunikasi
· Direktur
p.63
unresolved
org
Bank Indonesia’s
p.64
unresolved
person
Male
· Commissioner
p.72 ×5
unresolved
org
Bank Organ
p.74 ×2
unresolved
person
H. Muhamad Faiz
p.74
unresolved
person
Female
· Director
p.76
unresolved
org
Ministry of The Board
p.78
unresolved
org
Bank Indonesia Regulation
p.79
unresolved
org
Bank Institution
p.79
unresolved
org
Bank Organs
p.82
unresolved
org
Bank On
p.97
unresolved
—
Furthermore
· Commissioner
p.114
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