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PT Bank KB Bukopin Tbk
Strengthening
a Solid Business
Foundation
PT Bank KB Bukopin Tbk
Sustainability Report
Sustainability Report 2023
2023
1
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DAFTAR ISI
TABLE OF CONTENTS
DAFTAR ISI Pegawai/Pekerja yang Bukan Pekerja Langsung
51
TABLE OF CONTENTS Indirect Employees/Workers
PENJELASAN STRATEGI KEBERLANJUTAN
Perjanjian Perundingan Kolektif
EXPLANATION OF SUSTAINABILITY STRATEGY
4 Collective Bargaining Agreement
51
IKHTISAR KINERJA KEBERLANJUTAN
Rantai Pasokan
SUSTAINABILITY PERFORMANCE OVERVIEW
10 Supply Chain
52
PENJELASAN DIREKSI Perubahan Signifikan dalam Organisasi dan Rantai Pasokan
BOARD OF DIRECTORS EXPLANATION
15 Significant Changes in Organizations and Supply Chains 53
TENTANG LAPORAN KEBERLANJUTAN
Penerapan Prinsip Kehati-Hatian
ABOUT THE SUSTAINABILITY REPORT
23 Implementation of the Prudence Principle
54
PROFIL PERUSAHAAN
Inisiatif Eksternal
COMPANY PROFILE
28 External Initiatives
54
Sekilas KB Bukopin Keanggotaan Asosiasi
32 56
KB Bukopin at a Glance Membership in Association
Keterangan Perubahan Nama Komitmen Penerapan Tata Kelola
35 58
Information on Name Changes Commitment to Implementing Governance
Logo Perusahaan Prinsip Tata Kelola Perusahaan
36 59
Corporate Logos Principles of Corporate Governance
Visi, Misi, dan Budaya Perusahaan Struktur Dan Komposisi Tata Kelola
37 61
Corporate Vision, Mission, and Values Governance Structure and Composition
Penanggung Jawab Penerapan
Struktur Organisasi
40 Keuangan Berkelanjutan 62
Organization Structure
Responsible for Implementing Sustainable Finance
Bidang Usaha, Produk dan Jasa Rapat Umum Pemegang Saham
42 62
Business Sector, Products and Services General Meeting of Shareholders
Wilayah Operasi Dewan Komisaris
44 64
Operation Area Board of Commissioners
Skala Perusahaan Direksi
46 65
Scale of the Company Board of Directors
Struktur Kepemilikan Saham Peran Direksi dalam Pelaporan Keberlanjutan
Share Ownership Structure 47 The Role of the Board of Directors in Sustainability 66
Reportin
Tenaga Kerja Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
48 66
Labor Competency Development Related to Sustainable Finance
2 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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MENGOPTIMALKAN PORTOFOLIO HIJAU
Pedoman Perilaku (Kode Etik)
Code of Conduct (Code of Ethics)
74 KEBAIKAN MASA DEPAN
OPTIMIZING THE GREEN PORTFOLIO FOR THE FUTURE
102
KINERJA SOSIAL KEBERLANJUTAN
Komunikasi Masalah Penting, serta Mekanisme untuk Mencari
Nasihat dan Mengemukakan Masalah SUSTAINABLE SOCIAL PERFORMANCE 112
75
Communication of Important Issues, as well as Mechanisms
for Seeking Advice and Raising Issues
VERIFIKASI TERTULIS DARI PIHAK INDEPENDEN
WRITTEN VERIFICATION FROM THE INDEPENDENT PARTY 140
Sistem Pelaporan Pelanggaran
75
Whistleblowing System
LEMBAR UMPAN BALIK
FEEDBACK SHEET 140
Implementasi Manajemen Risiko
78
Implementation of Risk Management
TANGGAPAN TERHADAP UMPAN BALIK LAPORAN TAHUN
SEBELUMNYA
RESPONSE TO PREVIOUS YEAR REPORT FEEDBACK
142
Benturan Kepentingan
79
Conflict of Interest DAFTAR PENGUNGKAPAN SESUAI POJK
51/POJK.03/2017
LIST OF DISCLOSURES ACCORDING TO POJK 142
Komitmen Antikorupsi 51/POJK.03/2017
80
Anti-Corruption Commitment
INDEKS KONTEN GRI STANDARD 2021
GRI STANDARD CONTENT INDEX 2021 146
Anti Persaingan
81
Non-Competition
Penerapan Strategi Anti Fraud
81
Implementation of Anti Fraud Strategy
Pelibatan Pemangku Kepentingan
82
Stakeholder Involvement
Permasalahan terhadap Penerapan Keuangan Berkelanjutan
85
Problems with the Implementation of Sustainable Finance
KINERJA KEBERLANJUTAN
SUSTAINABLE PERFORMANCE 86
MENGUKUHKAN KINERJA OPTIMAL PASCAPANDEMI
SOLIDIFYING POST-PANDEMIC OPTIMAL PERFORMANCE 90
PT Bank KB Bukopin Tbk Sustainability Report 2023 3
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PENJELASAN STRATEGI KEBERLANJUTAN
[OJK A.1]
EXPLANATION OF SUSTAINABILITY STRATEGY [OJK A.1]
PT Bank KB Bukopin Tbk sebagai bagian dari lembaga jasa PT Bank KB Bukopin Tbk as part of a financial services
keuangan dikenai kewajiban untuk menyusun Rencana Aksi institution is obliged to prepare a Sustainable Financial Action
Keuangan Berkelanjutan (RAKB), sebagaimana diatur dalam Plan (RAKB), as regulated in POJK No. 51/POJK.03/2017
POJK No. 51/POJK.03/2017 tentang Penerapan Keuangan concerning the Implementation of Sustainable Finance for
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Financial Services Institutions, Issuers and Public Companies
Perusahaan Publik atau POJK Keuangan Berkelanjutan. Adapun or POJK regarding Sustainable Finance. The RAKB format has
format RAKB telah ditentukan dalam Lampiran I POJK Keuangan been stipulated in Appendix I of POJK regarding Sustainable
Berkelanjutan tersebut. Selanjutnya, secara spesifik, pada tahun Finance. Furthermore, specifically, in 2018, OJK issued Technical
2018, OJK menerbitkan Pedoman Teknis bagi Bank Terkait Guidelines for Banks Regarding the Implementation of POJK 51/
Implementasi POJK 51/POJK.03/2017 tentang Penerapan POJK.03/2017 concerning the Implementation of Sustainable
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, Finance for Financial Services Institutions, Issuers and Public
dan Perusahaan Publik 2018 di mana pada Bab IV berisi tentang Companies 2018 in which Chapter IV contains the Financial
Rencana Aksi Keuangan Berkelanjutan. Action Plan Sustainable.
Sesuai dengan POJK Keuangan Berkelanjutan, RAKB In accordance with OJK Regulation (POJK) regarding
didefinisikan sebagai dokumen tertulis yang menggambarkan Sustainable Finance, RAKB is defined as a written document
rencana kegiatan usaha dan program kerja LJK jangka pendek that describes short-term (one year) and long-term (five years)
(satu tahun) dan jangka panjang (lima tahun) yang sesuai LJK business activity plans and work programs that are in
dengan prinsip yang digunakan untuk menerapkan keuangan accordance with the principles used to implement sustainable
berkelanjutan, termasuk strategi untuk merealisasi rencana finance, including strategies for realizing plans and the work
dan program kerja tersebut sesuai dengan target dan waktu program is in accordance with the targets and time set, while
yang ditetapkan, dengan tetap memperhatikan pemenuhan still paying attention to the fulfillment of prudential provisions
ketentuan kehati-hatian dan penerapan manajemen risiko. and the implementation of risk management.
Peraturan yang sama menyatakan bahwa RAKB wajib disusun The same regulation states that RAKB must be prepared based
berdasarkan prioritas masing-masing lembaga jasa keuangan on the priorities of each financial services institution at least:
paling sedikit:
1. Pengembangan produk dan/atau jasa keuangan 1. Development of sustainable financial products and/
berkelanjutan termasuk peningkatan portofolio pembiayaan, or services including increasing the financing portfolio,
investasi atau penempatan pada instrumen keuangan investment or placement in financial instruments or projects
atau proyek yang sejalan dengan penerapan keuangan that are in line with the implementation of sustainable
berkelanjutan; finance;
2. Pengembangan kapasitas intern LJK; atau 2. Financial service institution internal capacity development; or
3. Penyesuaian organisasi, manajemen risiko, tata kelola, dan/ 3. Adjustment of the institution’s organization, risk
atau standar prosedur operasional (standard operating management, governance, and/or standard operating
procedure) LJK yang sesuai dengan prinsip penerapan procedures (standard operating procedures) in accordance
keuangan berkelanjutan. with the principles of implementing sustainable finance.
POJK Keuangan Berkelanjutan merupakan tindak lanjut dan OJK Regulation regarding Sustainable Finance is a follow-up
manifestasi Roadmap Keuangan Berkelanjutan di Indonesia and manifestation of the Sustainable Finance Roadmap in
2015-2019 yang dikeluarkan OJK. Roadmap berisi paparan Indonesia 2015-2019 issued by the OJK. The roadmap contains
rencana kerja program keuangan berkelanjutan untuk industri a presentation of the sustainable finance program work plan
jasa keuangan yang berada di bawah otoritas OJK, yaitu for the financial services industry under the authority of the
perbankan, pasar modal dan IKNB, selama periode 2015- OJK, namely banking, capital markets and IKNB, during the
2019. Roadmap keuangan berkelanjutan ini menjadi bagian 2015-2019 period. This sustainable finance roadmap is part
dari Master Plan Sektor Jasa Keuangan Indonesia (MPSJKI), of the Indonesian Financial Services Sector Master Plan
serta digunakan sebagai acuan bagi pemangku kepentingan (MPSJKI), and is used as a reference for other sustainable
keuangan berkelanjutan lainnya. finance stakeholders.
Roadmap ini disusun untuk: This roadmap is prepared to:
1. Menjabarkan kondisi yang ingin dicapai terkait keuangan 1. Describes the conditions to be achieved regarding
yang berkelanjutan di Indonesia dalam jangka menengah (5 sustainable finance in Indonesia in the medium (5 years)
tahun) dan panjang (10 tahun) untuk sektor jasa keuangan and long term (10 years) for the financial services sector
4 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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yang berada di bawah otoritas OJK, yaitu perbankan, pasar under the authority of OJK, namely banking, capital markets
modal dan IKNB. and IKNB.
2. Menentukan dan menyusun tonggak perbaikan terkait 2. Determine and develop improvement milestones related
keuangan berkelanjutan. to sustainable finance.
Dalam rentang waktu 2015-2019, implementasi roadmap In the 2015-2019 period, the implementation of the roadmap has
tersebut telah menghasilkan beberapa inisiatif yang menjadi resulted in several initiatives which have become the foundation
fondasi bagi perubahan pola pikir pelaku usaha. Inisiatif tersebut for changing the mindset of business actors. These initiatives
di antaranya pengelompokan kriteria usaha berkelanjutan, include grouping sustainable business criteria, developing
pengembangan insentif serta pelaksanaan sosialisasi dan incentives and implementing outreach and training for the
pelatihan bagi industri keuangan, serta memperkenalkan financial industry, as well as introducing eight principles of
delapan prinsip keuangan berkelanjutan yang menjadi acuan sustainable finance which are used as a reference for financial
lembaga jasa keuangan dalam implementasi Rencana Keuangan service institutions in implementing the Sustainable Financial
Berkelanjutan. Kedelapan prinsip itu adalah sebagai berikut: Plan. The eight principles are as follows:
Strategi & Praktik Bisnis
Investasi Bertanggung Jawab Berkelanjutan
Responsible Investment Sustainable Business Strategy
and Practice
Pengelolaan Risiko Sosial Perinsip
& Lingkungan Hidup Tata Kelola
Management of Social & Keuangan Governance
Environmental Risks
Berkelanjutan
Principle of
Komunikasi yang Informatif
Informative Communication Sustainable Inklusif
Inclusive
Finance
Pengembangan Sektor
Unggulan Prioritas Koordinasi dan Kolaborasi
Development of Priority Coordination and Collaboration
Sectors
Berdasarkan prinsip di atas, PT Bank KB Bukopin Tbk Based on the principles mentioned above, PT Bank KB Bukopin
menetapkan 4 pilar utama dalam Rencana Keuangan Tbk established 4 main pillars in the Sustainable Financial Plan
Berkelanjutan dengan tujuan sebagai berikut: with the following objectives:
1. KB Bukopin Untuk Negeri bertujuan untuk mendukung 1. KB Bukopin for the Nation aims to support the distribution
penyaluran kredit program pemerintah, inklusi keuangan, of loan from the government program, financial inclusion,
dan peningkatan kualitas SDM anak – anak Indonesia. and improve the quality of human resources for Indonesian
children.
2. KB Bukopin Care bertujuan untuk meningkatkan kepedulian 2. KB Bukopin Care aims to increase the awareness of PT
insan PT Bank KB Bukopin Tbk terhadap lingkungan hidup Bank KB Bukopin Tbk people towards the environment and
dan sumber daya alam dalam setiap langkah kegiatan bisnis natural resources in every step of the Bank’s business and
dan operasional Bank. operational activities.
3. KB Bukopin Dari Kita Untuk Kita bertujuan untuk mendukung 3. KB Bukopin Dari Kita Untuk Kita (From Us For Us) aims to
pengembangan SDM internal PT Bank KB Bukopin Tbk yang support the development of quality and competitive internal
berkualitas dan berdaya saing. human resources at PT Bank KB Bukopin Tbk.
4. KB Bukopin Satu bertujuan untuk meningkatkan penyesuaian 4. KB Bukopin Satu aims to improve organizational adjustments
organisasi dengan mempertimbangkan aspek berkelanjutan by considering sustainable aspects related to social and
terkait sosial dan lingkungan hidup. environmental issues.
Sasaran Perseroan dalam melaksanakan keuangan The Company’s targets in implementing sustainable finance
berkelanjutan yaitu dengan pengembangan produk dan/atau are developing sustainable financial products and/or services,
jasa keuangan berkelanjutan, pengembangan kapasitas intern developing internal capacity of PT Bank KB Bukopin Tbk,
PT Bank KB Bukopin Tbk, penyesuaian organisasi, manajemen organizational adjustments, risk management, governance, and/
risiko, tata kelola, dan/atau standar prosedur operasional. or standard operational procedures. The Company’s strategy is
Strategi Perseroan adalah dengan membentuk pilar aktivitas to establish activity pillars which include these targets together
yang mencakup sasaran tersebut dengan 4 (empat) pilar utama with four main pillars which are then translated into several
yang kemudian dijabarkan menjadi beberapa program jangka short-term programs (1 year) and long-term programs (5 years).
pendek (1 tahun) maupun program jangka panjang (5 tahun).
PT Bank KB Bukopin Tbk Sustainability Report 2023 5
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Progam RAKB
POJK Keuangan Berkelanjutan Pilar Bank Rencana Program (5 tahun) Rencana Program (1 tahun)
POJK Sustainable Finance Bank Pillar Program Plan (5 years) Program Plan (1 year)
1. Penyaluran kredit untuk 1. Pengembangan bisnis
mendukung pembangunan dengan fokus pada segmen
Pengembangan Produk dan/atau ritel dan mendukung inklusi
ekonomi berkelanjutan
jasa Keuangan Berkelanjutan KB Bukopin Untuk Negeri keuangan
1. Distribution of loans to
Development of Sustainable KB Bukopin For The Nation 2. Literasi keuangan
support sustainable economic
Financial Products and/or services berkelanjutan
development
1. Business development with
a focus on the retail segment
and supporting financial
inclusion
2. Sustainable financial literacy
2. Kegiatan operasional Bank
mendukung pertumbuhan
Pengembangan Kapasitas
KB Bukopin Care berkelanjutan 3. Efisiensi dan digitalisasi
Intern Bank
KB Bukopin Care 2. The Bank’s operational proses bisnis
Bank Internal Capacity Development
activities support sustainable 3. Efficiency and digitization of
growth business processes
3. Peningkatan kompetensi
Penyesuaian organisasi,
karyawan melalui
manajemen risiko, tata kelola,
KB Bukopin pengembangan hard skill dan 4. Penajaman dan penguatan
dan/atau standar prosedur
dari Kita untuk Kita soft skill organisasi SDM
operasional
KB Bukopin 3. Increasing employee 4. Sharpening and strengthening
Adjustment of organization, risk
dari Kita untuk Kita competence through the the HR Organization
management, governance, and/or
development of hard skills and
standard operating procedures
soft skills
1. Penerapan tata kelola dengan 5. Perbaikan kualitas struktur
prinsip keberlanjutan bisnis dan pengembangan
2. Pembangunan fasilitas Bank bisnis proses yang kompetitif
KB Bukopin Satu yang ramah disabilitas
KB Bukopin Satu serta prudent
3. Meningkatkan keseimbangan 4. Improving the quality of
gender business structures and
4. Memaksimalkan potensi developing competitive and
putra daerah di cabang prudent business processes
1. Implementation of governance
with the principle of
sustainability
2. Development of disability
friendly banking facilities
3. Improve gender balance
4. Maximizing the potential of
local people in the branch
In its development, the implementation of sustainable finance
at PT Bank KB Bukopin Tbk also adopted the latest references,
Dalam perkembangannya, implementasi keuangan berkelanjutan including the Sustainable Finance Roadmap Phase II (2021
di PT Bank KB Bukopin Tbk juga mengadopsi berbagi rujukan – 2025). The roadmap issued by OJK is a continuation of
terkini, termasuk Roadmap Keuangan Berkelanjutan Tahap II the 2015-2019 roadmap, which was issued with the aim of
(2021 – 2025). Roadmap yang dikeluarkan OJK ini merupakan increasing the understanding and capacity of financial services
kelanjutan dari roadmap tahun 2015-2019, yang diterbikan sector players to shift towards a low-carbon economy in the
dengan tujuan meningkatkan pemahaman serta kapasitas 2021-2025 period.
pelaku sektor jasa keuangan untuk beralih menuju ekonomi To accelerate the transition of the financial sector towards a
rendah karbon dalam kurun waktu 2021-2025. sustainable and low carbon economy, based on the roadmap,
Untuk mempercepat transisi sektor keuangan ke arah OJK is developing an ecosystem consisting the seven
berkelanjutan, serta ekonomi rendah karbon, pada roadmap components: policies, products, market infrastructure, ministry/
ini OJK mengembangkan sebuah ekosistem yang terdiri dari institution coordination, non-government support, human
tujuh komponen meliputi kebijakan, produk, infrastruktur pasar, resources, and awareness. The formation of components in
koordinasi kementerian/lembaga, dukungan non-pemerintah, this sustainable financial ecosystem is also OJK›s commitment
sumber daya manusia, dan awareness. Pembentukan komponen to creating transparent regulations, building synergies with
dalam ekosistem keuangan berkelanjutan ini sekaligus ministries/institutions, and increasing the capabilities of the
merupakan komitmen OJK dalam menciptakan regulasi yang financial industry.
transparan, membangun sinergi dengan kementerian/lembaga,
dan meningkatkan kapabilitas industri keuangan. Guided by the references issued by the OJK, PT Bank KB
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Bukopin Tbk is implementing priority and selected programs
Berpedoman pada rujukan yang diterbitkan OJK, PT Bank in the 2023 RAKB in accordance with the following pillars of
KB Bukopin Tbk melaksanakan program prioritas dan terpilih sustainable finance:
dalam RAKB 2023 sesuai dengan pilar keuangan berkelanjutan
sebagai berikut:
Rencana Program Bank Tahun
POJK Keuangan
Pilar RKAB Bank 2023 (1 tahun) Target Kegiatan Prioritas
Berkelanjutan
Bank RKAB Pillars Bank Program Plan for 2023 (1 Priority Activity Targets
POJK on Sustainable Finance
year)
Pengembangan Produk dan/atau 1. KB Bukopin Untuk Negeri 1. Pengembangan bisnis dengan 1. Penyaluran kredit kepada
Jasa keuangan Berkelanjutan 2. KB Bukopin Care fokus pada pembiayaan ramah sektor ramah lingkungan dan
Development of Sustainable financial 1. KB Bukopin Untuk Negeri (KB lingkungan serta mendukung pendukung program pemerintah
Products and/or Services Bukopin for the Country) inklusi keuangan khususnya program KUR.
2. KB Bukopin Care 2. Literasi Keuangan Berkelanjutan 2. Pembiayaan Debitur MSME
3. Efisiensi & Implementasi Green (Micro, Small and Medium-
Banking Sized Enterprise)ari dana
1. Business development with a IFC (International Finance
focus on green financing and Corporation) sesuai dengan
supporting financial inclusion standar E&S
2. Sustainable Financial Literacy 3. Perkenalan produk/jasa
3. Efficiency & Implementation of perbankan ke masyarakat umum.
Green Banking 4. KB Bukopin Goes to Media
5. CSR Program (Education,
Religius, Social, Environment &
Natural disaster, Covid-19)
6. Paper Care, Water Care, Electric
Care & Green Building
1. Lending to environmentally
friendly sectors and supporting
government programmes,
especially the KUR programme.
2. MSME Debtor Financing
(Micro, Small and Medium-
Sized Enterprise) Debtor
Financing from IFC (International
Finance Corporation) funds in
accordance with E&S standards.
3. Introduction of banking
products/services to the general
public.
4. KB Bukopin Goes to Media
5. CSR Programs (Education,
Religious, Social, Environment &
Natural disaster, Covid-19)
6. Paper Care, Water Care, Electric
Care & Green Building
Pengembangan Kapasitas Intern Bank 3. KB Bukopin dari Kita untuk Kita 4. Penajaman dan penguatan organisasi 1. Pelatihan/training karyawan
Internal Bank Capacity Building 3. KB Bukopin dari Kita untuk Kita (KB SDM 2. Sosialisasi Manajemen Risiko Sosial
Bukopin from Us to Us) 4. HR organization sharpening and dan Lingkungan Hidup kepada seluruh
strengthening pemangku kepentingan Bank
3. E-Learning Karyawan
1. Employee training
2. Dissemination of Social and
Environmental Risk Management to all
stakeholders of the Bank
3. Employee E-Learning
Penyesuaian organisasi, manajemen risiko 4. KB Bukopin Satu 5. Perbaikan kualitas struktur bisnis 1. Penyesuaian kebijakan dan SOP terkai
, tata kelola, dan/atau standar prosedur 4. KB Bukopin Satu (KB Bukopin One) dan pengembangan bisnis proses keuangan berkelanjutan
operasional berlandaskan digitalisasi 2. Digitalisasi proses layanan nasabah
Adjustments to organization, risk 5. Business structure quality 3. Pembuatan Internal Kebijakan RAKB &
management, governance, and/or standard improvement and business process Taksonomi Hijau Indonesia
operating procedures development based on digitalization 4. Penambahan Struktur Organisasi
dengan adanya ESG Section di bawah
Corporate Strategic Department
5. Pembuatan kebijakan terkait SMLS
(Sistem Manajemen Lingkungan dan
Sosial) sesuai standar IFC
1. Adjustment of policies and SOPs
related to sustainable finance
2. Digitalization of customer service
process
3. Internal creation of RAKB Policy &
Indonesia Green Taxonomy
4. Addition of Organizational Structure
with the existence of ESG Section
under Corporate Strategic Department
5. Creation of policies related to
SMLS (Environmental and Social
Management System) in accordance
with IFC standards.
PT Bank KB Bukopin Tbk Sustainability Report 2023 7
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Untuk mendukung implementasi dan monitoring aktivitas To support the implementation and monitoring of activities
dalam RAKB, PT Bank KB Bukopin Tbk telah menyusun in RAKB, PT Bank KB Bukopin Tbk has formed a team
tim yang bertanggung jawab atas rencana aksi keuangan responsible for the sustainable financial action plan that will
berkelanjutan yang akan dilaksanakan. Tim yang dibentuk be implemented. The team established is a representative
merupakan perwakilan dari masing-masing unit kerja terkait from each related work unit who is responsible for monitoring
yang bertanggung jawab atas monitoring pelaksanaan the implementation of sustainable finance that has been
implementasi keuangan berkelanjutan yang telah dirancang designed by the Company. The development of information
oleh Perseroan. Pengembangan teknologi informasi untuk technology to support the RAKB program is focused on
mendukung program RAKB difokuskan pada digitalisasi proses digitizing business processes in the context of increasing
bisnis dalam rangka peningkatan paperless sesuai dengan paperless in accordance with PT Bank KB Bukopin Tbk goal
tujuan PT Bank KB Bukopin Tbk untuk bersinergi dan peduli of synergizing and caring for the environment.
terhadap lingkungan hidup.
SISTEM MONITORING, MONITORING, EVALUATION
EVALUASI, DAN MITIGASI AND MITIGATION SYSTEM
Monitoring dan evaluasi terkait lingkungan, sosial dan tata kelola Monitoring and evaluation related to the environment, social
dimulai dari adanya struktur yang mengawasi implementasi and governance starts from the existence of a structure that
RAKB dan kebijakan yang menaunginya. Tanggung jawab atas oversees the implementation of the RAKB and the policies
pengawasan dan evaluasi implementasi RAKB berada di bawah that cover it. Responsibility for monitoring and evaluating the
tanggung jawab Direksi dan dilaksanakan oleh unit kerja yang implementation of RAKB is under the responsibility of the
ditugasi setelah adanya kajian dan penyesuaian organisasi. Board of Directors and is carried out by the assigned work
Unit kerja tersebut menyampaikan hasil pengawasan dan unit after organizational studies and adjustments. This work
evaluasi RAKB kepada Direksi setiap tiga bulan bersamaan unit submits the results of the monitoring and evaluation of
dengan hasil pengawasan dan evaluasi RBB. the RAKB to the Board of Directors every three months along
with the results of the monitoring and evaluation of the RBB.
Dalam implementasi RAKB, selalu terdapat risiko tidak In implementing RAKB, there is always a risk that a plan will not
terlaksananya suatu rencana atau tidak tercapainya target. be implemented or a target will not be achieved. To mitigate
Untuk memitigasi risiko ini, PT Bank KB Bukopin Tbk merancang this risk, PT Bank KB Bukopin Tbk designed risk mitigation
mitigasi risiko berdasarkan hasil evaluasi pencapaian rencana based on the results of evaluating the achievement of the
aksi. Mitigasi risiko maupun penyesuaian rencana aksi akan action plan. Risk mitigation and action plan adjustments will
dilakukan berdasarkan hasil evaluasi tersebut. be carried out based on the results of the evaluation.
Mitigasi risiko dalam implementasi RAKB dilakukan dengan Risk mitigation in the implementation of RAKB is carried out
melalui koordinasi antar semua unit kerja terkait, terutama through coordination between all related work units, especially
setelah mendapatkan hasil pengawasan dan evaluasi dari after receiving monitoring and evaluation results from the
unit/divisi yang ditugasi. Selain koordinasi antar unit kerja assigned units/divisions. Apart from coordinating between
terkait, dilakukan juga identifikasi tantangan, kesulitan, dan related work units, challenges, difficulties and obstacles to
hambatan atas implementasi RAKB. Setiap kesulitan yang the implementation of RAKB are also identified. Any difficulties
ada akan didiskusikan dengan Direksi untuk diambil jalan that arise will be discussed with the Board of Directors to find
keluarnya, misalnya pelatihan sektor berwawasan lingkungan a solution, for example training in environmental and social
hidup dan sosial dengan menghubungi pihak yang kompeten sectors by contacting competent parties or institutions that
atau institusi yang dapat membantu. can help.
8 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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PT Bank KB Bukopin Tbk Sustainability Report 2023 9
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01 IKHTISAR KINERJA KEBERLANJUTAN SUSTAINABILITY PERFORMANCE OVERVIEW 10 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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PT Bank KB Bukopin Tbk Sustainability Report 2023 11
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IKHTISAR KINERJA KEBERLANJUTAN
SUSTAINABILITY PERFORMANCE OVERVIEW
Deskripsi Satuan
2023 2022 2021
Description Unit
Kinerja Aspek Ekonomi [OJK B.1]
Economic Aspect Performance [OJK B.1]
Kuantitas produk/jasa yang ditawarkan kepada nasabah Unit produk - - -
The quantity of products/services offered to customers Product Unit
Pelibatan pemasok lokal (barang dan jasa) dalam proses bisnis Perusahaan/Mitra - - -
keuangan berkelanjutan Companies/ Partners
Involvement of local suppliers (goods and services) in sustainable
financial business processes
Pendapatan Operasional Bank*) Miliar Rupiah 4.862 4.129 4.218
Bank Operating Income*) IDR Billion
Laba (Rugi) Bersih Bank*) Miliar Rupiah (6.056) (5.033) (2.302)
Bank Net Profit (Loss)*) IDR Billion
Kinerja Aspek Ekonomi terkait Keberlanjutan
Performance of Economic Aspects related to Sustainability
Jenis produk yang memenuhi Kriteria Kegiatan Usaha Unit produk - - -
Berkelanjutan (KKUB) Product Unit
Types of products that meet the Sustainable Business Activity
Criteria (KKUB)
Nominal produk dan/atau jasa yang memenuhi Kriteria Kegiatan Triliun Rupiah 4,55 3,76 12,09
Usaha Berkelanjutan (KKUB) IDR Trillion
Nominal value of products and/or services that meet the
Sustainable Business Activity Criteria (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%):
Percentage of total portfolio of sustainable business activities to total portfolio (%):
a. Penghimpunan Dana Persen - - -
a. Fundraising Percent
b. Penyaluran Dana Persen 11,45% 8,17% 22,57%
b. Fund Distribution Percent
Kinerja Keuangan Inklusif**)
Inclusive Financial Performance**)
Perkembangan Laku pandai:
Development of Laku Pandai (Branchless Banking Service for Financial Inclusion):
a. Jumlah Agen Agen 2.847 2.847 2.850
a. Number of Agents Agents
b. Nominal produk dan/atau jasa yang disediakan oleh Agen Jutaan Rupiah - - -
b. The nominal value of the products and/or services provided IDR Million
by the Agent
Kinerja Aspek Lingkungan [OJK B.2]
Environmental Aspect Performance [OJK B.2]
Penggunaan BBM (Bensin dan Solar) Liter 857.939 - -
Fuel Use (Benzine and Diesel) Liter
Gigajoule 29.342 - -
Gigajoule
Penggunaan Listrik kWh 18.078.000 2.636.848 3.387.200
Electricity Usage kWh
Gigajoule 65.080,8 9.493 12.194
Gigajoule
Penggunaan Air Meter kubik 303.394 - -
Water usage Cubic metre
Biaya Lingkungan Jutaan Rupiah - 20 -
Environmental Costs IDR million
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Deskripsi Satuan
2023 2022 2021
Description Unit
Kinerja Aspek Sosial [OJK B.3]
Social Aspect Performance [OJK B.3]
Pria (Orang) 1.504 1.871 2.809
Jumlah total pegawai Male (employees)
Total number of employees Wanita (Orang) 1.114 1.503 1.964*
Female (employees)
Kepala kantor cabang berdasarkan jenis kelamin Pria (Orang) 29 51 51
Head of Branch office by gender Male (employees)
Wanita (Orang) 6 6 6
Female (employees)
Biaya pengembangan kompetensi karyawan Juta Rupiah 9.635 10.433 19.493
Costs of employee competency development IDR million
Rata-rata jam pelatihan karyawan Jam per Tahun 237 172 243
Average employee training hours Hour per year
Realisasi dana CSR Juta Rupiah 758 937 1.657
Realization of CSR funds IDR million
Tingkat Kepuasan Nasabah % 98,31 98,38 99,89
Customer Satisfaction Level
Jumlah Kecelakaan Kerja Nihil Nihil Nihil
Frequency Rate (FR)
Number of Work Accidents None None None
*disajikan kembali
*)Data diambil dari Laporan Tahunan Bank
**)Data diambil dari Laporan Laku Pandai.
*restated
*)Data taken from the Bank’s Annual Report
**)Data taken from the Laku Pandai Report (Branchless Banking Service for Financial Inclusion Report).
PT Bank KB Bukopin Tbk Sustainability Report 2023 13
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Direktur Utama
President Director
PT Bank KB Bukopin Tbk.
Woo Yeul Lee
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PENJELASAN DIREKSI
[OJK D.1][GRI 2-22]
BOARD OF DIRECTORS EXPLANATION [OJK D.1][GRI 2-22]
Pemegang Saham dan Pemangku Kepentingan yang Terhormat Dear Shareholders and Stakeholders
Puji syukur kami panjatkan ke hadirat Tuhan yang Maha Esa We extend our gratitude for the presence of Almighty
karena atas perkenan-Nya, PT Bank KB Bukopin Tbk dapat God because with His blessing, PT Bank KB Bukopin Tbk
melalui tahun 2023 yang penuh tantangan dengan baik. Selama can get through the year 2023 that is full of challenges
tahun pelaporan, ditopang oleh komitmen berkelanjutan dari successfully. During the reporting year, supported by the
KB Financial Group (KBFG), Bank telah mencatat sejumlah ongoing commitment of KB Financial Group (KBFG), the
kemajuan yang signifikan dalam perjalanan transformasi yang Bank has recorded a number of significant advances in the
dilaksanakan sejak tahun 2021. Transformasi merupakan transformation journey implemented since 2021. Transformation
pondasi bagi Bank untuk meningkatkan kualitas layanan dan is the foundation for the Bank to improve service quality and
memperluas jangkauan segmen pasar di Indonesia. expand the reach of market segments in Indonesia.
Selaras dengan itu, untuk mempercepat proses transformasi Accordingly, to accelerate the transformation process and
dan memulihkan kinerja keuangan, pada tahun pelaporan, Bank restore financial performance, in the reporting year, the Bank
berhasil melakukan penambahan modal melalui right issue. succeeded in increasing capital through rights issue. In this
Dalam aksi korporasi ini, sebagai pemegang saham pengendali, corporate action, as controlling shareholder, KBFG through
KBFG melalui KB Kookmin Bank, turut melaksanakan haknya KB Kookmin Bank, also exercised its rights by injecting capital
dengan menyuntikkan modal sebesar Rp8 triliun dari total Rp12 amounting to IDR 8 trillion from the total IDR 12 trillion collected.
triliun yang berhasil dikumpulkan. Lebih lanjut, modal yang Furthermore, the capital obtained is used by the Bank to expand
didapat tersebut digunakan Bank untuk melakukan ekspansi new, good quality credit, which is focused on the retail, SME,
kredit baru berkualitas baik, yang difokuskan pada segmen ritel, wholesale and Indonesia-Korea business link segments.
UKM, wholesale, dan Indonesia-Korea business link.
Kemajuan signifikan yang diraih Bank serta realisasi berbagai The significant progress achieved by the Bank and the
program dan kebijakan tersebut mencerminkan ketepatan realization of various programs and policies reflect the
pilar-pilar utama keberlanjutan yang ditetapkan dan accuracy of the main pillars of sustainability which were
diimplementasikan secara konsisten selama tahun pelaporan. determined and implemented consistently during the
Melalui laporan keberlanjutan inilah, pencapaian kinerja aspek reporting year. Through this sustainability report, we convey
ekonomi tersebut kami sampaikan. Tidak hanya pencapaian the performance achievements of these economic aspects.
kinerja aspek ekonomi, sebagaimana prinsip keberlanjutan, Not only performance achievements in economic aspects, as
laporan ini juga berisi pencapaian kinerja aspek sosial dan per the principles of sustainability, this report also contains
lingkungan beserta dampak yang ditimbulkannya. performance achievements in social and environmental aspects
and their impacts.
PT Bank KB Bukopin Tbk Sustainability Report 2023 15
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KONDISI EKONOMI DAN INDUSTRI ECONOMIC CONDITIONS
JASA KEUANGAN TAHUN 2023 AND FINANCIAL SERVICES
INDUSTRY IN 2023
Perekonomian global tahun 2023 masih diliputi ketidakpastian The global economy in 2023 remains shrouded in uncertainty
sejalan dengan dinamika perekonomian negara-negara maju in line with the economic dynamics of developed countries
yang berdampak ke global. Amerika Serikat menghadapi inflasi which have a global impact. The United States faces above-
di atas target, suku bunga tinggi, peningkatan tekanan fiskal, target inflation, high interest rates, increasing fiscal pressures,
dan tergerusnya excess saving yang membayangi pelemahan and shrinking excess savings which overshadow economic
ekonomi; China masih bergulat dengan pelemahan ekonomi weakness; China is still grappling with post-COVID-19 economic
pasca COVID-19; sedangkan Eropa kondisi ekonominya weakness; Meanwhile, Europe’s economic conditions are
melemah dengan defisit fiskal yang meningkat diiringi oleh core weakening with an increasing fiscal deficit accompanied by
inflation yang masih tinggi. Selain faktor ekonomi, ketidakpastian high core inflation. Apart from economic factors, uncertainty is
juga dipengaruhi geopolitik yang masih bergejolak antara also influenced by geopolitics which are still volatile, including
lain akibat perang di Rusia vs Ukraina, serta konflik Israel vs due to the war in Russia vs Ukraine, as well as the never-ending
Palestina yang tak kunjung berakhir. Israel vs Palestine conflict.
Reflecting these factual conditions, global economic institutions
Becermin pada kondisi faktual tersebut, lembaga ekonomi such as the International Monetary Fund (IMF) and the World
global seperti Dana Moneter Internasional (IMF) dan Bank Bank predict that global economic growth in 2023 will weaken
Dunia memprediksi pertumbuhan ekonomi global tahun 2023 compared to the previous year. The IMF revised it by calling
melemah dibandingkan tahun sebelumnya. IMF melakukan the global economic growth figure only 3%, while the World
revisi dengan menyebut angka pertumbuhan ekonomi global Bank put the figure at 2.1%. In line with the projected global
menjadi hanya 3%, sedangkan Bank Dunia menyebut angka economic slowdown, Indonesia also recorded the same thing.
2,1%. Senada dengan proyeksi perlambatan ekonomi global, The Statistics Indonesia (BPS) stated that Indonesia’s economic
Indonesia juga mencatatkan hal yang sama. Badan Pusat growth in 2023 is at 5.05% (y-on-y), slowing compared to the
Statistik (BPS) menyebutkan pertumbuhan ekonomi Indonesia previous year, which reached 5.31%.
tahun 2023 sebesar 5,05% (y-on-y), melambat dibandingkan
tahun sebelumnya, yang mencapai 5,31%.
Despite experiencing a slowdown, the 17 business fields that
Walau mengalami perlambatan, 17 lapangan usaha yang BPS uses as a basis for calculating Indonesia’s economic
dijadikan dasar oleh BPS dalam menyusun pertumbuhan growth recorded positive performance. The business fields
ekonomi Indonesia mencatatkan kinerja positif. Lapangan usaha that experienced the highest growth were Transportation
yang mengalami pertumbuhan tertinggi adalah Transportasi and Warehousing at 13.96%; followed by Other Services at
dan Pergudangan sebesar 13,96%; diikuti Jasa Lainnya sebesar 10.52%; and Provision of Accommodation and Food and Drink
10,52%; dan Penyediaan Akomodasi dan Makan Minum sebesar amounting to 10.01%. In particular, the Financial Services and
10,01%. Terkhusus lapangan usaha Jasa Keuangan dan Asuransi, Insurance business sector, including the banking industry, in
termasuk di dalamnya industri perbankan, pada tahun 2023 2023 will grow by 4.77%, a significant increase compared to
tumbuh sebesar 4,77%, meningkat signifikan dibanding tahun 2022 which reached 1.93%.
2022 yang mencapai 1,93%.
Specifically, the Financial Services Authority (OJK) stated that
Secara spesifik, Otoritas Jasa Keuangan (OJK) menyatakan the banking industry remains resilient and has good resilience
industri perbankan tetap risilien dan memiliki daya tahan yang in the midst of global challenges in 2023. This was indicated
bagus di tengah tantangan global tahun 2023. Hal itu antara by the growth in the provision of investment credit, capital
lain ditandai dengan bertumbuhnya pemberian kredit investasi, credit and consumption credit, increasing third party funds
kredit modal dan kredit konsumsi, meningkatnya dana pihak (DPK), improving NPL (nonperforming loans), as well as high
ketiga (DPK), membaiknya NPL (nonperforming loan/kredit CAR (capital adequacy ratio/capital adequacy ratio).
bermasalah), serta tingginya CAR (capital adequacy ratio/
rasio kecukupan modal).
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DUKUNGAN BANK TERHADAP BANK SUPPORT FOR KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE Pemerintah Indonesia berkomitmen dalam melaksanakan The Indonesian government is committed to implementing pembangunan berkelanjutan sesuai dengan Rencana sustainable development in accordance with the National Pembangunan Jangka Menengah Nasional (RPJMN) 2020 Medium Term Development Plan (RPJMN) 2020 – 2024. – 2024. Pembangunan berkelanjutan didefinisikan sebagai Sustainable development is defined as a conscious and planned upaya sadar dan terencana yang memadukan aspek lingkungan effort that combines environmental, social and economic hidup, sosial, dan ekonomi ke dalam strategi pembangunan aspects into development strategies to ensure environmental untuk menjamin keutuhan lingkungan hidup serta keselamatan, integrity and safety, capabilities, welfare and quality of life of kemampuan, kesejahteraan, dan mutu hidup generasi masa current and future generations. kini dan generasi masa depan. Untuk mewujudkan pembangunan berkelanjutan, sejumlah To accomplish sustainable development, a number of regulasi dan panduan telah diterbitkan pemerintah di antaranya regulations and guidelines have been issued by the government, Peraturan Presiden Nomor 111 Tahun 2022 tentang Pelaksanaan including Presidential Regulation Number 111 of 2022 concerning Pencapaian Tujuan Pembangunan Berkelanjutan (TPB) Implementation of the Achievement of Sustainable Development Secara spesifik, bagi lembaga jasa keuangan, emiten dan Goals (SDGs). Specifically, for financial services institutions, perusahaan publik, Otoritas Jasa Keuangan (OJK) menerbitkan issuers and public companies, the Financial Services Authority Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 (OJK) has issued regulations Financial Services Authority No. tentang Penerapan Keuangan Berkelanjutan bagi Lembaga 51/POJK.03/2017 concerning the Implementation of Sustainable Jasa Keuangan, Emiten, dan Perusahaan Publik atau POJK Finance for Financial Services Institutions, Issuers and Public Keuangan Berkelanjutan. Keuangan berkelanjutan tak lain Companies or POJK Sustainable Finance. Sustainable finance adalah dukungan menyeluruh dari sektor jasa keuangan untuk is nothing more than comprehensive support from the financial menciptakan pertumbuhan ekonomi berkelanjutan dengan services sector to create sustainable economic growth by menyelaraskan kepentingan ekonomi, sosial, dan lingkungan aligning economic, social and environmental interests. hidup. Dukungan Bank terhadap keuangan berkelanjutan diwujudkan The Bank’s support for sustainable finance is realized through melalui penyusunan Rencana Aksi Keuangan Berkelanjutan the preparation of a Sustainable Finance Action Plan (RAKB), (RAKB), yang menjadi bagian tak terpisahkan dari Rencana which is an integral part of the Bank Business Plan (RBB), Bisnis Bank (RBB), dimana Bank menuangkan berbagai rencana, where the Bank outlines various strategic plans, programs and program dan kebijakan strategis sebagai implementasi prinsip- policies as the implementation of sustainable finance principles. prinsip keuangan berkelanjutan. Bentuk dukungan yang Another form of support, the Bank allocates some funds to lain, Bank mengalokasikan sebagian dana untuk membiayai finance various Social and Environmental Responsibility (TJSL)/ berbagai program Tanggung Jawab Sosial dan Lingkungan Corporate Social Responsibility (CSR) programs as regulated (TJSL)/Tanggung Jawab Sosial Perusahaan (Corporate Social in the Sustainable Finance POJK, as well as implementing Responsibility/CSR) sebagaimana diatur dalam POJK Keuangan environmentally friendly office operations by implementing Berkelanjutan, serta menerapkan operasional kantor yang efficiency energy use while reducing greenhouse gas emissions, ramah lingkungan dengan melakukan efisiensi penggunaan managing waste, water, wastewater, and others. energi sekaligus mengurangi emisi gas rumah kaca, mengelola limbah, air, air limbah, dan sebagainya. KEBIJAKAN BANK UNTUK MERESPONS BANK POLICY TO RESPOND TO TANTANGAN DALAM PEMENUHAN CHALLENGES IN FULFILLING STRATEGI KEBERLANJUTAN SUSTAINABILITY STRATEGY Bank menjalankan usaha dengan berpegang pada budaya The Bank conducts business by adhering to the company perusahaan yaitu I CAN yaitu Integrity (Integritas), Competent culture, namely I CAN, or Integrity, Competent, Care, (Kompeten), Care (Peduli), Accountable (Akuntabilitas), dan Accountable and Never Give Up. Furthermore, as a guideline Never Give Up (Tidak Pernah Menyerah). Lebih lanjut, sebagai in establishing relationships with all stakeholders, the Bank pedoman dalam menjalin hubungan dengan semua pemangku combines its corporate culture with a Code of Conduct. To kepentingan, Bank memadukan budaya perusahaan tersebut strengthen these guidelines, the Bank continuously carries dengan Kode Etik (Code of Conduct). Untuk mengukuhkan out outreach through various activities and media, both to pedoman tersebut, Bank secara berkesinambungan melakukan internal and external stakeholders. The socialization activity sosialisasi melalui berbagai kegiatan dan media, baik kepada also provides momentum for the Bank to convey its 2023 pemangku kepentingan internal maupun eksternal. Kegiatan sustainability strategy. sosialisasi sekaligus menjadi momentum bagi Bank untuk menyampaikan strategi keberlanjutan tahun 2023. PT Bank KB Bukopin Tbk Sustainability Report 2023 17
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Pada tahun pelaporan, sejumlah tantangan faktual dan potensial In the reporting year, a number of factual and potential
dihadapi Bank dalam menjalankan strategi keberlanjutan, baik challenges were faced by the Bank in implementing its
terkait aspek ekonomi, lingkungan maupun sosial. Dari sisi sustainability strategy, both related to economic, environmental
aspek ekonomi, tantangan dan permasalahan yang dihadapi and social aspects. From an economic aspect, the challenges
antara lain berkaitan dengan belum optimalnya kinerja penjualan and problems faced include, unoptimized sales and financial
dan kinerja keuangan, belum kuatnya kualitas aset, serta belum performance, weak asset quality, and IT and digital
tercapainya akselerasi perbaikan IT dan digital. improvements that have not been accelerated.
Untuk mengatasi permasalahan tersebut, Bank telah mengambil To overcome these problems, the Bank has taken various
berbagai langkah dan solusi. Upaya untuk meningkatkan kinerja steps and solutions. Efforts to improve sales performance
penjualan antara lain Bank mengeksplor segmen-segmen bisnis include the Bank exploring new high yield business segments
baru yang high yield dan membentuk ekosistem bisnis yang and establishing a strong business ecosystem so that it can
kuat agar dapat menjadi growth engine secara berkelanjutan; become a sustainable growth engine; to improve financial
untuk meningkatkan kinerja keuangan, Bank terus melakukan performance, the Bank continues to optimize the costs incurred
optimalisasi atas biaya-biaya yang dikeluarkan atas hasil as a result of the Bank’s business processes so that they are
proses bisnis Bank sehingga lebih efisien; untuk menguatkan more efficient; to strengthen asset quality, the Bank carries
kualitas aset, Bank melakukan monitoring aktif fungsi second out active monitoring of the second line defense function; for
line defense; untuk perbaikan IT dan digital, selain melakukan IT and digital improvements, apart from accelerating, the Bank
akselerasi, Bank menciptakan layanan one stop banking service created a one stop banking service through the SHINE Project.
melalui SHINE Project.
Adapun tantangan dari aspek lingkungan dan sosial antara The challenges from environmental and social aspects include
lain munculnya risiko dampak lingkungan dan sosial atas the emergence of risks of environmental and social impacts
operasional Bank. Untuk mengantisipasi hal itu, selain membuka on Bank operations. In anticipation of this, apart from opening
kanal pengaduan serta mematuhi regulasi terkait lingkungan complaint channels and complying with environmental and
dan sosial, Bank melaksanakan berbagai program TJSL/CSR social regulations, the Bank implements various TJSL/CSR
sesuai dengan kebutuhan masyarakat. Tak sekadar menjadi programs in accordance with community needs. Not just a
media pelibatan masyarakat, program TJSL/CSR sekaligus medium for community engagement, the TJSL/CSR program
merupakan implementasi komitmen Bank agar keberadaannya is also an implementation of the Bank’s commitment so that
memberikan manfaat yang optimal bagi masyarakat. its existence provides optimal benefits for the community.
Konsistensi Bank menjalankan bisnis dan strategi keberlanjutan, The Bank’s consistency in carrying out business and
termasuk menjaga keselarasan antara kinerja aspek ekonomi, sustainability strategies, including maintaining harmony
sosial dan lingkungan mendapatkan apresiasi dari pihak between economic, social and environmental aspects of
eksternal berupa penghargaan. Selama tahun 2023, Bank performance, has received appreciation from external parties
meraih penghargaan di antaranya Indonesia Top Banking CEO in the form of awards. During 2023, the Bank won awards
Award 2023 dari The Iconomic, GRC & Performance Excellence including the Indonesia Top Banking CEO Award 2023 from
Award 2023 dari Business News Indonesia, The 14th IICD The Iconomic, GRC & Performance Excellence Award 2023
Corporate Governance Conference and Award dari Indonesian from Business News Indonesia, The 14th IICD Corporate
Institute for Corporate Directorship, dan Infobank Top CEO Governance Conference and Award from the Indonesian
2023 dari Infobank. Institute for Corporate Directorship, and Infobank Top CEO
2023 from Infobank.
PENERAPAN KEGIATAN IMPLEMENTATION OF SUSTAINABLE
BERKELANJUTAN TAHUN 2023 ACTIVITIES IN 2023
Selama tahun 2023, Bank telah melaksanakan operasional bisnis During 2023, the Bank has carried out business operations in
sesuai kaidah keuangan berkelanjutan dengan menyelaraskan accordance with sustainable financial principles by aligning the
pencapaian aspek ekonomi, lingkungan hidup, dan sosial achievement of economic, environmental and social aspects
dengan hasil sebagai berikut with the following results
1. Kinerja Aspek Ekonomi 1. Economic Aspect Performance
Per 31 Desember 2023, total pendapatan bunga dan syariah As of December 31, 2023, total interest and sharia income
tercatat sebesar Rp4,86 triliun, naik 17,75% dibanding tahun was recorded at IDR 4.86 trillion, an increase of 17.75%
sebelumnya, yang mencapai Rp4,13 triliun. Di sisi lain, compared to the previous year, which reached IDR 4.13
kenaikan tersebut diikuti dengan meningkatnya total beban trillion. On the other hand, this increase was followed by
bunga dan syariah sebesar 31,62% dari Rp3,08 triliun pada an increase in total interest and sharia expenses by 31.62%
tahun 2022 menjadi Rp4,05 triliun pada tahun 2023. Hal from IDR 3.08 trillion in 2022 to IDR 4.05 trillion in 2023. This
tersebut berdampak terhadap turunnya pendapatan bunga resulted in a decrease in net interest and sharia income
dan syariah neto dari Rp1,05 triliun pada tahun 2023 menjadi from IDR 1.05 trillion. trillion in 2023 to IDR 808.88 billion
Rp808,88 miliar pada tahun 2023 atau turun 22,93%. in 2023 or a decrease of 22.93%.
18 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Setelah dikurangi total beban operasional lainnya, Bank After deducting the total of other operational expenses,
membukukan rugi operasional sebesar Rp6,66 triliun, the Bank posted an operational loss of IDR 6.66 trillion,
naik 31,69% dibanding tahun sebelumnya, yang mencapai an increase of 31.69% compared to the previous year,
Rp5,06 triliun. Selanjutnya, setelah memperhitungkan which reached IDR 5.06 trillion. Furthermore, after taking
beban non-operasional neto dan pajak penghasilan, Bank into account net non-operating expenses and income
mencatatkan rugi tahun berjalan sebesar Rp6,06 triliun atau tax, the Bank recorded a loss for the year of IDR 6.06
156,36% dari target, atau naik 20,33% dibandingkan tahun trillion or 156.36% of the target, or an increase of 20.33%
sebelumnya, yang mencapai Rp5,03 triliun. Kenaikan antara compared to the previous year, which reached IDR 5.03
lain dipengaruhi oleh meningkatnya penyisihan kerugian trillion. The increase was influenced, among other things,
penurunan nilai atas aset keuangan – neto dari Rp3,95 by the increase in the allowance for impairment losses on
triliun pada tahun 2022 menjadi Rp5,54 triliun pada tahun financial assets - net from IDR 3.95 trillion in 2022 to IDR
2023 atau naik 40,25%. 5.54 trillion in 2023 or an increase of 40.25%.
Sementara itu, untuk aset dan ekuitas, masing-masing Bank Meanwhile, for assets and equity, each bank posted figures
membukukan angka Rp84,31 triliun atau 89,22% dari target of IDR 84.31 trillion or 89.22% of the target of IDR 94.50
sebesar Rp94,50 triliun, serta Rp14,76 triliun atau 90,18% trillion, and IDR 14.76 trillion or 90.18% of the target of
dari target sebesar Rp16,37 triliun. Adapun kredit yang IDR 16.37 trillion. The credit provided by the Bank as of
diberikan Bank per 31 Desember 2023 terbilang sebesar December 31 2023 was IDR 44.18 trillion or 92.19% of
Rp44,18 triliun atau 92,19% dari target sebesar Rp47,92 the target of IDR 47.92 trillion. Meanwhile, total customer
triliun. Sedangkan total simpanan nasabah pada tahun savings in the reporting year were IDR 39.04 trillion or
pelaporan terbilang Rp39,04 triliun atau 81,46% dari target 81.46% of the target of IDR 47.92 trillion.
sebesar Rp47,92 triliun.
2. Kinerja Aspek Lingkungan 2. Environmental Aspect Performance
Komitmen Bank terhadap lingkungan direalisasikan melalui The Bank’s commitment to the environment is realized
berbagai kebijakan di antaranya menyalurkan kredit yang through various policies, including channeling credit
selaras dengan kriteria kegiatan usaha berkelanjutan that is in line with the criteria for sustainable business
sehingga tidak berdampak negatif bagi lingkungan. activities so that it does not have a negative impact on the
Selain itu, Bank telah menetapkan dua dari empat pilar environment. In addition, the Bank has established two of
utama dalam Rencana Aksi Keuangan Berkelanjutan yang the four main pillars in the Sustainable Finance Action Plan
tujuannya terkait dengan lingkungan. Masing-masing adalah whose objectives are related to the environment. Each of
KB Bukopin Care yang bertujuan meningkatkan kepedulian them is KB Bukopin Care which aims to increase awareness
insan Bank terhadap lingkungan hidup dan sumber daya of the Bank’s people towards the environment and natural
alam dalam setiap langkah kegiatan bisnis dan operasional, resources in every step of business and operational
serta KB Bukopin Satu yang bertujuan meningkatkan activities, and KB Bukopin Satu which aims to increase
penyesuaian organisasi dengan mempertimbangkan aspek organizational adjustments by considering sustainable
berkelanjutan terkait sosial dan lingkungan hidup. aspects related to social and environmental issues.
Sejalan dengan itu, dukungan Bank terhadap upaya In line with this, the Bank’s support for efforts to create a
mewujudkan lingkungan yang lebih baik serta daya better environment and stronger environmental support
dukung lingkungan yang lebih kukuh juga direalisasikan is also realized through environmentally friendly office
melalui operasional kantor yang ramah lingkungan dengan operations by implementing the 3R principle (Reduce, Reuse
menerapkan prinsip 3R (Reduce, Reuse & Recycle). Prinsip & Recycle). Principles are applied in the management of
diaplikasikan dalam pengelolaan energi, emisi, air, air energy, emissions, water, waste water and waste. Applying
limbah maupun limbah. Penerapan prinsip reduce dengan the reduce principle by optimizing the paperless policy, for
mengoptimalkan kebijakan paperless misalnya, Bank example, the Bank succeeded in reducing the volume of
berhasil menurunkan volume penggunaan kertas dari 5.032 paper usage from 5,032 reams in 2022 to 4,211 reams in
rim pada tahun 2022 menjadi 4.211 rim pada tahun 2023. Jika 2023. If there is an increase in data, this is influenced by
terdapat kenaikan data, hal itu dipengaruhi oleh berbagai various factors, including expanding data coverage. For
faktor di antaranya perluasan cakupan data. Penggunaan example, electricity usage was recorded at 18,078,000 kWh
listrik misalnya, tercatat penggunaannya sebesar 18.078.000 or the equivalent of 65,080.8 Gigajoules (GJ), an increase
kWh atau setara dengan 65.080,8 Gigajoule (GJ), naik compared to 2022 which reached 2,636,848 kWh, or 9,493
dibandingkan tahun 2022 yang mencapai 2.636.848 kWh, GJ. The increase occurred in line with the expansion of
atau 9.493 GJ. Kenaikan terjadi seiring dengan perluasan data coverage in 2023 to cover not only the head office,
cakupan data tahun 2023 yang mencakup 174 kantor, tidak but also 174 offices, as stated in the 2022 data.
hanya kantor pusat sebagaimana data tahun 2022.
PT Bank KB Bukopin Tbk Sustainability Report 2023 19
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3. Kinerja Aspek Sosial 3. Social Aspect Performance
Bank memenuhi tanggung jawab terhadap aspek sosial The Bank fulfills its responsibilities towards social aspects
melalui berbagai program sesuai dengan kebutuhan through various programs according to the needs of each
masing-masing pemangku kepentingan. Kepada stakeholder. To employees and management, the Bank
karyawan dan manajemen, Bank mewujudkan hubungan creates harmonious industrial relations so that there are no
industrial yang harmonis sehingga tidak ada pengaduan complaints or labor disputes. Apart from that, there were
atau sengketa perburuhan. Selain itu, juga tidak tercatat also no recorded incidents of discrimination or violations
adanya insiden diskriminasi dan pelanggaran hak-hak of other normative rights of employees, such as forced
normatif karyawan lainnya, seperti kerja paksa, pekerja labor, child labor, minimum wages, and so on. In addition
anak, pemberian upah minimum, dan sebagainya. Selain to realizing a healthy and safe work environment so that
merealisasikan lingkungan kerja yang sehat dan aman there are no work accidents, the Bank also consistently
sehingga tidak terdapat kecelakaan kerja, Bank juga carries out various education and training programs to
konsisten melakukan berbagai program pendidikan dan develop employee competency. In 2023, the Bank will hold
pelatihan untuk mengembangkan kompetensi karyawan. 620,296 hours of training attended by 4,337 people at a
Pada tahun 2023, Bank menyelenggarakan 620.296 jam total cost of IDR 9.63 billion.
pelatihan yang diikuti oleh 4.337 orang dengan total biaya
sebesar Rp9,63 miliar.
Adapun kepada konsumen/nasabah, Bank senantiasa As for consumers/customers, the Bank always strives to
berupaya untuk memberikan pelayanan terbaik antara provide the best service, including ensuring data security,
lain menjamin keamanan data, melakukan inovasi dan innovating and developing products/services, preparing
pengembangan produk/layanan, menyiapkan kanal complaint channels and being responsive and providing the
pengaduan serta responsif dan memberikan solusi terbaik best solutions to incoming complaints/complaints. Based
atas keluhan/pengaduan yang masuk. Atas komitmen on this commitment, the level of customer satisfaction
tersebut, tingkat kepuasan nasabah terhadap produk dan with the Bank’s products and services was recorded
layanan Bank tercatat sebesar 98,31%. Adapun kepada at 98.31%. As for the government, the Bank fulfills its
pemerintah, pemenuhan tanggung jawab ditunaikan responsibilities by paying taxes amounting to IDR628 billion.
Bank dengan membayarkan pajak sebesar Rp628 Meanwhile, for suppliers/work partners, the Bank treats all
miliar. Sementara itu, kepada pemasok/mitra kerja, Bank suppliers equally, including equal access to information on
memperlakukan semua pemasok secara setara, termasuk procurement of goods and services.
kesetaraan mendapatkan informasi pengadaan barang
dan jasa.
Terkhusus kepada masyarakat, melalui Program TJSL/ Specifically, to the community, through the TJSL/CSR
CSR, Bank menyalurkan dana sebesar Rp757,59 juta untuk Program, the Bank distributed funds amounting to IDR
membiayai tiga ruang lingkup kegiatan yaitu pendidikan, 757.59 million to finance three scopes of activities, namely
sosial kemasyarakatan dan keagamaan. Selain sebagai education, social and religious. Apart from being a real form
bentuk nyata pelibatan masyarakat, realisasi pendanaan of community involvement, the realization of TJSL/CSR
TJSL/CSR sekaligus merupakan bentuk dukungan Bank funding is also a form of the Bank’s support for achieving
terhadap pencapaian Tujuan Pembangunan Berkelanjutan/ the Sustainable Development Goals/TPB which is currently
TPB yang saat ini sedang dilaksanakan pemerintah. being implemented by the government.
STRATEGI PENCAPAIAN TARGET TARGET ACHIEVEMENT STRATEGY
Bank meyakini keselarasan merupakan prinsip dasar dalam The Bank believes that harmony is a basic principle in
penerapan keuangan berkelanjutan. Oleh karena itu, pencapaian implementing sustainable finance. Therefore, achieving
kinerja aspek lingkungan dan sosial berkelanjutan akan turut sustainable environmental and social aspects of performance
dipengaruhi oleh pencapaian target kinerja aspek ekonomi yang will also be influenced by achieving the economic aspects of
disampaikan dalam Rencana Bisnis Bank (RBB) Tahun 2023. performance targets stated in the Bank Business Plan (RBB) for
Untuk mencapai target tersebut. Untuk itu, Bank telah membuat 2023. To achieve these targets. For this reason, the Bank has
guideline untuk mencapai target dari rencana strategi yang created guidelines to achieve the targets of the strategic plan
telah ditetapkan, serta telah pula menentukan langkah-langkah that have been set, and has also determined strategic steps
strategis sebagai fondasi utama dalam mencapai aspirasi Bank as the main foundation in achieving the Bank’s aspirations with
dengan tujuan “Menjadi Institusi Keuangan Pilihan Utama di the aim of “Becoming the Main Financial Institution of Choice
Indonesia”. Adapun tajuk strategik agenda Bank tahun 2023 in Indonesia”. The strategic headline for the Bank’s agenda for
adalah “BISA” yang bermakna Bank ingin mencapai kemajuan 2023 is “BISA” which means the Bank wants to achieve mutual
bersama melalui perubahan mendasar dengan 4 pilar utama progress through fundamental changes with 4 main pillars,
yaitu Boost Sales Performance, Innovation for Turnaround, they are Boost Sales Performance, Innovation for Turnaround,
Strengthening the Quality of Assets, Advanced IT & Digital. Strengthening the Quality of Assets, Advanced IT & Digital.
20 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Keempat pilar utama tersebut menjadi acuan bagi Bank dalam These four main pillars are a reference for the Bank in preparing penyusunan strategi keberlanjutan tahun 2023 dengan tetap a sustainability strategy for 2023 while still paying attention to memerhatikan faktor-faktor eksternal seperti dinamika ekonomi external factors such as national and global economic dynamics, nasional dan global, proyeksi industri perbankan dan lain-lain. banking industry projections and others. Furthermore, to ensure Lebih lanjut, untuk menjaga agar kinerja ekonomi berjalan that economic performance runs in line with predetermined sesuai dengan target yang telah ditetapkan, Bank melakukan targets, the Bank monitors the implementation of the four pillars monitoring atas implementasi keempat pilar tersebut secara periodically in meetings of the Board of Directors and Board berkala dalam rapat Direksi dan Dewan Komisaris. Selain of Commissioners. Apart from getting information about the mendapat informasi mengenai target dan pencapaian terbaru, latest targets and achievements, monitoring is also important monitoring juga penting untuk menetapkan solusi jika ada to determine solutions if there are obstacles or challenges in hambatan atau tantangan dalam implementasi di lapangan. implementation in the field. PROSPEK DAN PELUANG PROSPECTS AND OPPORTUNITIES Keberhasilan pemerintah mencatatkan pertumbuhan ekonomi The government’s success in recording sustainable economic berkelanjutan pada tahun 2023 merupakan momentum growth in 2023 is momentum to realize stable social and untuk mewujudkan kehidupan sosial dan ekonomi yang stabil economic life as conditions before the COVID-19 pandemic. sebagaimana kondisi sebelum pandemi COVID-19. Kondisi These conditions will encourage the growth of various business tersebut akan mendorong bertumbuhnya berbagai lapangan fields in the country, including the banking industry, which usaha di Tanah Air, termasuk industri perbankan, yang bisa can provide momentum for banks to develop themselves and menjadi momentum bagi Bank untuk mengembangkan diri dan improve their performance in the coming years. meningkatkan kinerja pada tahun-tahun mendatang. Untuk itu, Bank telah menetapkan berbagai target dalam Therefore, the Bank has set various targets in the 2024 Bank Rencana Bisnis Bank Tahun 2024, terkhusus pada aspek Business Plan (RBB), especially on economic aspects, as well ekonomi, serta rencana strategis untuk mencapainya. Target as strategic plans to achieve them. These targets include net tersebut di antaranya pendapatan bunga bersih sebesar interest income of IDR 1.71 trillion or 171.55% of the 2023 target, Rp1,71 triliun atau 171,55% target tahun 2023, kredit yang credit provided of IDR 53.86 trillion or 112.37% of the previous diberikan sebesar Rp53,86 triliun atau 112,37% dari target year’s target, customer deposits of IDR 54.96 trillion or 114.67 % tahun sebelumnya, simpanan nasabah sebesar Rp54,96 triliun of the 2023 target, and PPOP (Pre-Provision Operating Profit/ atau 114,67% dari target tahun 2023, dan PPOP (Pre Provision Loss) of IDR 250 billion or 131.33% of the previous year’s target. Operating Profit/Loss) sebesar Rp250 miliar atau 131,33% dari target tahun sebelumnya. Dalam penyusunan target bisnis, Bank senantiasa In preparing business targets, the Bank always pays attention memperhatikan target yang ditetapkan tersebut dengan to the targets determined by the strategic plan that has been rencana strategis yang telah dirumuskan. Seiring dengan itu, formulated. In line with this, in implementing the strategic dalam implementasi atas rencana strategis tersebut, Bank plan, the Bank continues to review and manage risks including senantiasa melakukan kajian dan pengelolaan risiko termasuk but not limited to reputation risk and its impact on the Bank’s namun tidak terbatas pada risiko reputasi dan dampaknya operations. In an effort to achieve the business targets that terhadap operasional Bank. Dalam upaya untuk mencapai target have been set, the Bank will also increase collaboration bisnis yang telah ditetapkan, Bank juga akan meningkatkan between business segments which are currently not optimal. kolaborasi antar segmen bisnis yang saat ini belum optimal. Secara spesifik, berdasarkan evaluasi terhadap pos-pos Specifically, based on an evaluation of the main items in the utama pada laporan laba (rugi) yang berkontribusi besar profit (loss) report which contributed significantly to losses, terhadap kerugian, Bank telah melakukan identifikasi dua the Bank has identified two main problems and determined permasalahan utama dan menetapkan langkah perbaikan. corrective steps. Firstly, relatively low net interest income, Pertama, pendapatan bunga bersih yang relatif rendah, overcome by expanding healthy credit, settling low quality ditanggulangi dengan melakukan ekspansi pada kredit yang assets and managing fund costs; secondly, relatively high sehat, penyelesaian aset kualitas rendah serta pengelolaan overhead costs (administrative and labor costs), which can biaya dana; kedua, beban overhead (beban administrasi be overcome by making efficiency in various areas, including dan tenaga kerja) yang relatif tinggi, ditanggulangi dengan optimizing outlets, standardizing labor and standardizing the melakukan efisiensi di berbagai bidang, termasuk optimalisasi use of outsourcing. With these steps, the Bank is optimistic that outlet, standardisasi tenaga kerja dan standardisasi penggunaan it can achieve these targets in order to realize a sustainable outsourcing. Dengan langkah-langkah tersebut, Bank optimis business. dapat menggapai target-target tersebut demi mewujudkan bisnis yang berkelanjutan PT Bank KB Bukopin Tbk Sustainability Report 2023 21
Page 22
PENUTUP CLOSING
Keberhasilan Bank melalui tahun 2023 dengan baik tak lepas The Bank’s success in getting through 2023 cannot be
dari dukungan segenap pemangku kepentingan, baik internal separated from the support of all stakeholders, both internal
maupun eksternal. Untuk itu, kami mengucapkan terima kasih and external. Thus, we would like to thank the Board of
kepada Dewan Komisaris yang telah melakukan pengawasan Commissioners for supervising and providing direction so
dan memberikan arahan sehingga Direksi dapat menjalankan that the Board of Directors can implement the main pillars
pilar-pilar utama untuk mewujudkan bisnis keberlanjutan to achieve business sustainability optimally. We would like to
dengan optimal. Ungkapan yang sama kami sampaikan kepada express our appreciation to our shareholders who have placed
pemegang saham yang telah memberikan kepercayaan kepada their trust in us to manage the Bank during the reporting year.
kami untuk mengelola Bank selama tahun pelaporan.
Kepada seluruh karyawan sebagai garda terdepan pelayanan, To all employees as the frontliners of service, we would like to
kami juga menyampaikan terima kasih atas kerja keras, dedikasi express our gratitude for the hard work, dedication and loyalty
dan loyalitas yang diberikan selama ini. Apresiasi juga kami they have given so far. We also convey our appreciation to
sampaikan kepada para nasabah, mitra strategis, pemerintah/ customers, strategic partners, government/regulators and the
regulator maupun masyarakat secara luas yang senantiasa wider community who always support the existence of the Bank.
mendukung keberadaan Bank. Kami berharap dukungan dan We hope that this support will continuously provided so that
tersebut tetap diberikan sehingga Bank semakin kokoh dan the Bank becomes stronger and able to meet the expectations
mampu memenuhi harapan segenap pemangku kepentingan of all stakeholders and shareholders, while realizing its vision:
dan pemegang saham, sekaligus mewujudkan visi: Menjadi To become the First Choice Financial Institution in Indonesia.
Lembaga Keuangan Pilihan Utama di Indonesia.
Jakarta, 31 Mei 2024
Jakarta, May 31, 2024
Atas Nama Direksi
On behalf of the Board of Directors
PT Bank KB Bukopin Tbk
Woo Yeul Lee
Direktur Utama
President Director
22 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 23
TENTANG LAPORAN KEBERLANJUTAN
ABOUT THE SUSTAINABILITY REPORT
PT Bank KB Bukopin Tbk berkomitmen untuk terus meningkatkan PT Bank KB Bukopin Tbk is committed to continuing to improve
kualitas transparansi dalam menjalankan aspek-aspek the quality of transparency in implementing sustainability
keberlanjutan. Sejalan dengan komitmen itu, maka setiap tahun aspects. In line with this commitment, every year the Company
Perseroan menerbitkan Laporan Keberlanjutan sebagai bagian publishes a Sustainability Report as an inseparable part of the
tak terpisahkan dari Laporan Tahunan Perseroan. Penerbitan Company’s Annual Report. The publication of this report also
laporan ini sekaligus merupakan kepatuhan Perseroan terhadap constitutes the Company’s compliance with Financial Services
Peraturan Otoritas Jasa Keuangan (POJK) No.51/POJK.03/2017 Authority Regulation (POJK) No.51/POJK.03/2017 concerning
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga the Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik atau POJK Services Institutions, Issuers and Public Companies or POJK
Keuangan/Kegiatan Berkelanjutan. Sesuai dengan statusnya Finance/Sustainable Activities. In accordance with its status
sebagai lembaga jasa keuangan, yaitu Bank Umum Kelompok as a financial services institution, namely Commercial Bank
Usaha (BUKU) III, Bank wajib menerapkan peraturan ini per 1 Business Group (BUKU) III, the Bank is obliged to implement
Januari 2019, Dengan demikian, laporan ini merupakan laporan this regulation as of January 1 2019. Thus, this report is the
kelima atas penerapan laporan keuangan berkelanjutan Bank. fifth report on the implementation of the Bank’s sustainable
Laporan sebelumnya terbit pada 14 April 2023. [GRI 2-3] financial report. The previous report was published on April
14 2023. [GRI 2-3]
Dalam perkembangannya, sesuai dengan POJK nomor 12 / In its development, in accordance with POJK number 12 /
POJK.03/2021 tentang Bank Umum, pengelompokan bank POJK.03/2021 concerning Commercial Banks, the grouping
diubah dari Bank Umum Kelompok Usaha (BUKU) menjadi of banks has been changed from Commercial Bank Business
Kelompok Bank Berdasarkan Modal Inti atau KBMI, yang dibagi Groups (BUKU) to Bank Groups Based on Core Capital or KBMI,
atas 4 kelompok. Sesuai dengan regulasi terbaru, PT Bank KB which are divided into 4 groups. In accordance with the latest
Bukopin Tbk masuk dalam ke dalam KBMI 2, yaitu bank dengan regulations, PT Bank KB Bukopin Tbk is included in KBMI 2,
modal inti Rp6 triliun hingga Rp14 triliun. namely banks with core capital of IDR 6 trillion to IDR 14 trillion.
Selain POJK Kegiatan Berkelanjutan, penerbitan laporan ini In addition to POJK Sustainable Activities, the publication of
sekaligus merupakan implementasi dan tanggung jawab dan this report also constitutes the Bank’s implementation and
ketaatan Bank terhadap Undang-Undang yaitu Undang- responsibility and compliance with the Law, namely Law no. 40
Undang No. 40 tahun 2007 tentang Perseroan Terbatas, yang of 2007 concerning Limited Liability Companies, which requires
mewajibkan Perseroan Terbatas menyampaikan pelaksanaan Limited Liability Companies to convey the implementation of
kegiatan Tanggung jawab Sosial dan Lingkungan (TJSL). Social and Environmental Responsibility (TJSL) activities.
PRINSIP PELAPORAN REPORTING PRINCIPLES
Laporan kami susun dengan merujuk pada delapan prinsip Our report is prepared by referring to the eight reporting
pelaporan sebagaimana ditentukan dalam GRI 1: Landasan principles as specified in GRI 1: 2021 Foundation as follows:
2021 sebagai berikut:
1. Akurasi: 1. Accuracy:
Perseroan melaporkan informasi yang benar dan cukup The Company reports information that is correct and
terperinci agar dapat dilakukan penilaian dampak organisasi. detailed enough to enable an organizational impact
assessment.
2. Keseimbangan: 2. Balance:
Perseroan melaporkan informasi dengan cara netral dan The Company reports information in a neutral manner and
menyediakan gambaran yang seimbang tentang dampak provides a balanced picture of the negative and positive
negatif dan positif organisasi. impacts of the organization.
3. Kejelasan: 3. Clarity:
Perseroan menyajikan informasi dengan cara yang dapat The Company presents information in an accessible and
diakses dan dapat dipahami. understandable manner.
4. Keterbandingan: 4. Comparability:
Perseroan memilih, menyusun, dan melaporkan informasi secara The Company selects, compiles and reports information
konsisten agar mereka dapat melakukan analisis mengenai consistently so that it can analyze changes in organizational
perubahan dalam dampak organisasi seiring waktu dan analisis impacts over time and analyze these impacts in relation to
dampak ini yang berkaitan dengan dampak organisasi lain. the impacts of other organizations.
PT Bank KB Bukopin Tbk Sustainability Report 2023 23
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5. Kelengkapan 5. Completeness
Perseroan menyediakan informasi yang memadai agar The Company provides sufficient information so that an
penilaian dampak organisasi dapat dilakukan selama organizational impact assessment can be carried out during
periode pelaporan. the reporting period.
6. Konteks keberlanjutan: 6. Context of sustainability:
Perseroan melaporkan informasi tentang dampak mereka Companies report information about their impact in the
dalam konteks yang lebih luas dari pembangunan broader context of sustainable development.
berkelanjutan.
7. Ketepatan waktu: 7. Timeliness:
Perseroan melaporkan informasi secara rutin dan The Company reports information regularly and provides
menyediakan informasi tersebut secara tepat waktu bagi this information in a timely manner for information users
pengguna informasi untuk mengambil keputusan. to make decisions.
8. Keterverifikasian: 8. Verifiability:
Perseroan mengumpulkan, mencatat, menyusun, dan The Company collects, records, compiles and analyzes
menganalisis informasi dengan cara sedemikian rupa information in such a way that the information can be
sehingga informasi tersebut dapat diteliti untuk menentukan scrutinized to determine its quality.
kualitasnya.
RUJUKAN LAPORAN REPORT REFERENCE
Laporan ini disusun berdasarkan POJK No.51/POJK.03/2017, This report is prepared based on POJK No.51/POJK.03/2017,
SEOJK Nomer 16/SEOJK.04/2021 dan GRI Universal Standards SEOJK Number 16/SEOJK.04/2021 and GRI Universal Standards
2021 (Standard GRI) yang diterbitkan oleh Global Sustainability 2021 (GRI Standards) published by the Global Sustainability
Standards Board (GSBB) –lembaga yang dibentuk oleh Global Standards Board (GSBB) – an institution established by
Reporting Initiative (GRI) untuk menangani pengembangan Global Reporting Initiative (GRI) to handle the development
standar laporan keberlanjutan. Untuk memudahkan pembaca of sustainability reporting standards. To make it easier for
menemukan informasi yang sesuai dengan panduan, kami readers to find information that complies with the guidelines,
menyertakan penanda khusus berupa huruf dan angka we include special markers in the form of letters and numbers
sesuai Lampiran II POJK No.51/2017 dan SEOJK Nomer 16/ according to Appendix II POJK No.51/2017 and SEOJK Number
SEOJK.04/2021, atau pencantuman angka pengungkapan 16/SEOJK.04/2021, or include GRI Standard disclosure numbers
Standard GRI di belakang kalimat atau alinea yang relevan. at the back of the sentence or paragraph. relevant. Complete
Data lengkap kecocokan isi laporan dengan kedua rujukan data on the suitability of the contents of the report with the
disajikan di bagian belakang laporan ini. two references is presented at the back of this report.
Data keuangan dalam laporan ini menggunakan nominasi Rupiah, Financial data in this report uses Rupiah denominations,
kecuali diindikasikan lain. Dalam melaporkan data keuangan, unless otherwise indicated. In reporting financial data, we use
kami menggunakan teknik berdasarkan Pernyataan Standar techniques based on the Indonesian Statement of Financial
Akuntansi Keuangan (“PSAK”) Indonesia. Sedangkan untuk Accounting Standards (“PSAK”). Meanwhile, for sustainability
data keberlanjutan, kami menggunakan teknik pengukuran data, we use internationally accepted data measurement
data yang berlaku secara internasional. Untuk menjangkau techniques. To reach a wider audience, this report was
pembaca yang lebih luas, laporan ini dibuat dalam dua bahasa, prepared in two languages, namely Indonesian and English.
yakni Bahasa Indonesia dan Bahasa Inggris.
CAKUPAN DAN BATASAN LAPORAN SCOPE AND LIMITATIONS
OF THE REPORT
Laporan ini mencakup kegiatan Kantor Pusat PT Bank KB This report covers the activities of the PT Bank KB Bukopin Tbk
Bukopin Tbk di Jakarta dan berbagai kegiatan yang dilakukan Head Office in Jakarta and various activities carried out by all
oleh semua cabang Bank. Selain kinerja aspek ekonomi, laporan Bank branches. Apart from economic aspects of performance,
berisi tentang kinerja aspek lingkungan dan sosial Bank. the report contains the Bank’s environmental and social aspects
[GRI 2-2] of performance. [GRI 2-2]
SIKLUS, PERIODE PELAPORAN DAN CYCLES, REPORTING PERIODS
PERNYATAAN PENGGUNAAN AND USAGE STATEMENTS
Sebagai bagian tak terpisahkan dari Laporan Tahunan Bank, As an inseparable part of the Bank’s Annual Report, this report
laporan ini terbit setahun sekali. PT Bank KB Bukopin Tbk telah is published once a year. PT Bank KB Bukopin Tbk has reported
melaporkan informasi yang dikutip pada indeks konten GRI the information quoted on the GRI content index for the period
untuk periode dari 1 Januari-31 Desember 2023: in accordance from 1 January-31 December 2023: in accordance with the
with the GRI Standards.[GRI 2-3] GRI Standards.[GRI 2-3]
24 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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PERUBAHAN TERKAIT LAPORAN REPORT RELATED CHANGES
Pada Laporan Keberlanjutan 2023 tidak terdapat perubahan In the 2023 Sustainability Report there are no changes
terkait topik material dibanding tahun sebelumnya. Penetapan regarding material topics compared to the previous year.
tidak adanya perubahan diputuskan setelah Bank melakukan The determination of no changes was decided after the Bank
peninjauan terhadap topik material tahun 2022 dengan conducted a review of material topics for 2022 by involving
melibatkan pemangku kepentingan internal dan eksternal internal and external stakeholders in accordance with the
sesuai panduan GRI Universal Standards Tahun 2021. Melalui 2021 GRI Universal Standards guidelines. Through this review,
peninjauan tersebut, selain mengidentifikasi dan menilai apart from identifying and assessing impacts on an ongoing
dampak secara berkesinambungan, sekaligus Perseroan dapat basis, the Company can also ensure that material topics in
memastikan bahwa topik material dalam laporan ini mewakili the report this represents the most significant impact during
dampak paling signifikan selama tahun pelaporan. the reporting year.
Peninjauan dilakukan bersamaan dengan kick off penyusunan The review is carried out at the same time as the kick off for the
laporan tahunan dan leporan keberlanjutan secara hybrid pada preparation of the hybrid annual report and sustainability report
Senin, 5 Februari 2024 di Kantor Pusat Bank, yang diikuti oleh on Monday, February 5 2024 at the Bank Head Office, which
pemangku kepentingan internal Perseroan, yaitu manajemen was attended by the Company’s internal stakeholders, namely
dan karyawan lintas divisi, termasuk para penanggung jawab management and employees across divisions, including those
penyusunan laporan. Adapun dari pemangku kepentingan responsible for preparing the report. The external stakeholders
eksternal yang terlibat di antaranya konsultan, mitra, dan pihak involved include consultants, partners and report users
pengguna laporan. [GRI 3-1] [GRI 3-1]
Mengidentifikasi dan menilai dampak secara berkesinambungan Menentukan topik material untuk pelaporan
Identify and assess impacts on an ongoing basis Determine material topics for reporting
Melibatkan berbagai pemangku kepentingan Menguji topik material
dan pakar yang relevan dengan pakar dan pengguna
Involve relevant stakeholders and experts informasi
Examine material topics with Topik Material
experts and information Material topics
users
Memperioritaskan
Menilai
Mengindentifikasi dampak paling
Memahami konteks signifikasi
dampak aktual dan signifikansi untuk
organisasi dampak
potensial pelaporan
Understanding the Assess the
Identify actual and Prioritize the most
organizational context significance
potential impacts significant impacts for
of impact
reporting
Menggunakan Mempertimbangkan Menguji topik material
Standar Sektor untuk topik dan dampak yang terhadap topik dalam
memahami konteks dideskripsikan dalam Standar Sektor
sektor standar Sektor Examine material topics
Use Sector Standards Considers the topics and against topics in the Sector
to understand sector impacts described i Standards
context n the Sector Standards
Daftar Topik material laporan tahun 2023 yang berjumlah 13 There are 13 topics in the list of material topics where, after
topik setelah dilakukan peninjauan oleh pemangku kepentingan review by internal and external stakeholders, they have been
internal dan eksternal telah disetujui oleh Direksi. Daftar approved by the Board of Directors. The complete list of
topik material Laporan Keberlanjutan Perseroan Tahun 2023 material topics for the 2023 Company Sustainability Report
selengkapnya adalah sebagai berikut: [GRI 3-2] is as follows: [GRI 3-2]
PT Bank KB Bukopin Tbk Sustainability Report 2023 25
Page 26
Daftar topik material dan batasannya Tahun 2023
List of material topics and limitations for 2023
Batasan Topik
Nomor Topic Limitation
Pengungkapan
Topik Material Kenapa Topik Ini Material [GRI 3-3] Di Luar
Disclosure Di Dalam
Material Topic Why The Topic Material [GRI 3-3] Bank
Number Bank
Outside The
In The Bank
Bank
TOPIK EKONOMI
ECONOMIC TOPIC
Kinerja Ekonomi Menggambarkan pencapaian dan kinerja Perseroan selama 201-1 √ √
Economic Performance tahun pelaporan 201-2
Describes the Company's achievements and performance 201-3
during the reporting year 201-4
Keberadaan Pasar Menggambarkan komitmen Perseroan terhadap hak normatif 202-1 √ √
Market Existence dalam pengupahan
Describes the Company's commitment to normative rights in
wages
Dampak Ekonomi Tidak Menggambarkan manfaat atas keberadaan Perseroan bagi 203-1, 203-2 √ √
Langsung masyarakat
Indirect Economic Impact Describe the benefits of the Company's existence for the
community
Praktik Pengadaan Menggambarkan komitmen Perseroan terhadap keberadaan 204-1 √ √
Procurement Practices pemasok lokal
Describes the Company's commitment to the presence of
local suppliers
Anti Korupsi Menggambarkan komitmen Perseroan terhadap Tindakan 205-1 √ √
Anti Corruption korupsi yang berpotensi mencemarkan nama baik Perusahaan 205-2
Describes the Company's commitment to acts of corruption 205-3
that have the potential to tarnish the Company's good name
TOPIK LINGKUNGAN
ENVIRONMENTAL TOPIC
Energi Menggambarkan kepedulian Perseroan terhadap pengelolaan 302-1 √
Energy energi yang ketersediannya kian terbatas 302-2
Describes the Company's concern for managing energy 302-3
whose availability is increasingly limited 302-4
302-5
Air dan Efluen Menggambarkan kepedulian Perseroan terhadap pengelolaan 303-1 √
Water and Effluents sumber daya air yang ketersediannya kian terbatas 303-2
Describes the Company's concern for managing water 303-3
resources whose availability is increasingly limited 303-4
303-5
Emisi Menggambarkan Komitmen Perseroan terhadap pengurangan 305-1 √ √
Emission emisi 305-2
Describes the Company's commitment to reducing emissions 305-3
305-4
305-5
305-6
305-7
TOPIK SOSIAL
SOCIAL TOPIC
Kepegawaian Menggambarkan komitmen Perseroan dalam pengelolaan 401-1 √
Staffing pegawai 401-2
Describes the Company's commitment to employee 401-3
management
Kesehatan dan Menggambarkan komitmen Perseroan dalam menyediakan 403-1 √
Keselamatan kerja tempat kerja yang aman dan nyaman dan patuh terhadap 403-2
Occupational Health and protokol kesehatan 403-3
Safety Describes the Company's commitment to providing a safe 403-4
and comfortable workplace and complying with health 403-5
protocols 403-6
403-7
403-8
403-9
403-10
Pelatihan dan Pendidikan Menggambarkan komitmen Perseroan dalam upaya 404-1 √
Training and Education meningkatkan kompetensi pekerja 404-2
Describes the Company's commitment to improving employee 404-3
competency
26 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 27
Daftar topik material dan batasannya Tahun 2023
List of material topics and limitations for 2023
Batasan Topik
Nomor Topic Limitation
Pengungkapan
Topik Material Kenapa Topik Ini Material [GRI 3-3] Di Luar
Disclosure Di Dalam
Material Topic Why The Topic Material [GRI 3-3] Bank
Number Bank
Outside The
In The Bank
Bank
Keanekaragaman dan Menggambarkan komitmen Perseroan dalam menghargai 405-1 √
Kesempatan Setara keberagaman dan kesetaraan untuk maju dan berkembang 405-2
Diversity and Equal Describes the Company's commitment to respecting diversity
Opportunity and equality to progress and develop
Privasi Pelanggan Menggambarkan komitmen Perseroan dalam menjaga 418-1 √ √
Customer Privacy kerahasiaan data pelanggan
Describes the Company's commitment to maintaining the
confidentiality of customer data
PERNYATAAN ULANG INFORMASI RESTATEMENT OF INFORMATION
Untuk mendukung validitas isi laporan, apabila terdapat To support the validity of the report content, if there is a
pernyataan ulang informasi yang diberikan dalam laporan restatement of information provided in a previous report, we
sebelumnya, kami memberi tanda *disajikan kembali. [GRI 2-4] mark *restated. [GRI 2-4]
VERIFIKASI OLEH PIHAK INDEPENDEN VERIFICATION BY AN
INDEPENDENT PARTY
GRI merekomendasikan penggunaan external assurance oleh GRI recommends the use of external assurance by an
pihak ketiga yang independen untuk memastikan kualitas independent third party to ensure the quality and reliability
dan keandalan informasi yang disampaikan dalam laporan ini. of the information presented in this report. In this report, the
Pada laporan ini, Bank belum melakukan verifikasi oleh pihak Bank has not carried out verification by an independent party.
independen. Namun demikian, Bank menjamin kebenaran dan However, the Bank guarantees the truth and validity of this
validitas laporan ini. [GRI 2-5] report. [GRI 2-5]
AKSESIBILITAS DAN UMPAN BALIK ACCESSIBILITY AND FEEDBACK
Bank mengundang para pembaca dan pemangku kepentingan The Bank invites readers and stakeholders to access
untuk mengakses dan mengunduh laporan keberlanjutan melalui and download the sustainability report via the website
situs www.kbbank.co.id. Kami menyambut baik komentar, ide www.kbbank.co.id. We welcome comments, ideas and feedback
dan umpan balik dari para pembaca demi perbaikan kualitas from readers to improve the quality of our next report. These
laporan kami berikutnya. Masukan-masukan tersebut dapat inputs can be submitted to us via: [GRI 2-3]
disampaikan kepada kami melalui: [GRI 2-3]
Sekretaris Perusahaan Corporate Secretary
Kantor Pusat PT Bank KB Bukopin Tbk PT Bank KB Bukopin Tbk Head Office
Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770 Jl. M.T. Haryono Kav. 50-51 South Jakarta 12770
Telepon : +6221 7988266, 7989837 Telephone: +6221 7988266, 7989837
Fax : +6221-7986355 Fax: +6221-7986355
Email : corsec@kbbank.co.id Email: corsec@kbbank.co.id
Media Sosial & Website: Social Media & Website:
Youtube: KB Bank YouTube: KB Bank
Facebook: KB Bank Facebook: KB Bank
Instagram: kbbukopin Instagram: kbbukopin
Twitter : @kbbank_id Twitter : @kbbank_id
Website: www.kbbank.co.id Website: www.kbbank.co.id
PT Bank KB Bukopin Tbk Sustainability Report 2023 27
Page 28
02 PROFIL PERUSAHAAN COMPANY PROFILE 28 Laporan Keberlanjutan 2023
Page 29
Page 30
PROFIL PERUSAHAAN
COMPANY PROFILE
Nama Perusahaan [GRI 2-1] PT Bank KB Bukopin Tbk
Company Name
Nama Panggilan KB Bank
Call Name
Jenis/Badan Hukum Perusahaan Perusahaan Terbuka
Type/Company Legal Entity Public Listed Company
Bidang Usaha [OJK C.4] Jasa Perbankan
Line of Business Banking Service
Tanggal Pendirian 10 Juli 1970
Date of Incorporation 10 July 1970
Dasar Hukum Pendirian Bank Umum Koperasi Indonesia (BUKOPIN) disahkan sebagai badan hukum
Legal Basis of Incorporation berdasarkan Surat Keputusan Direktorat Jenderal Koperasi No. 13/ Dirjen/
Kop/70 tanggal 10 Juli 1970 dan didaftarkan dalam Daftar Umum Direktorat
Jenderal Koperasi No. 8251 pada tanggal yang sama.
Indonesian Cooperative Commercial Bank (BUKOPIN) was legalized as a legal
entity based on Decision Letter of the DirectorateGeneral for Cooperatives
No. 13/Dirjen/ Kop/70 dated 10 July 1970 and registered in the General List of
the Directorate General for Cooperatives No. 8251 on the same date.
Perubahan Nama PT Bank KB Bukopin, Tbk – Disahkan dalam Rapat Umum Pemegang Saham
Name Changes Luar Biasa 22 Desember 2020, dan berdasarkan Akta Pernyataan Keputusan
Rapat tertanggal 22 Desember 2020 No. 12 No. AHU-0085571.AH.01.02.
PT Bank KB Bukopin Tbk - Ratified at the Extraordinary General Meeting of
Shareholders 22 December 2020, and based on the Deed of Statement of
Meeting Resolutions dated 22 December 2020 No. 12 No. AHU-0085571.
AH.01.02.
Kepemilikan Saham [GRI 2-1] • KB Kookmin Bank 66,88%
Ownership • STIC Eugene Star Holdings 16,98%
• Publik / Masyarakat 16,14%
• KB Kookmin Bank 66,88%
• STIC Eugene Star Holdings 16,98%
• Public / Community 16,14%
Modal Disetor Penuh Rp21.000.000.000.000
Fully Paid-in Capital
Modal Ditempatkan Rp18.999.999.969.200
Issued Capital
Tanggal IPO 10 Juli 2006
Date of Initial Offering 10 July 2006
Kode Saham & Obligasi BBKP
Ticker Code BBKP
Nama Bursa Bursa Efek Indonesia
Exchange Name Indonesia Stock Exchange
SWIFT Code BBUKIDJA
SWIFT Code
Jumlah Karyawan per 31 2.618 orang
Desember 2023 [GRI 2-7] 2,618 employees
Number of Employees as of 31
December 2023
Sekretaris Perusahaan Yocky Eko Wicaksono per 31 Desember 2023
Corporate Secretary Yocky Eko Wicaksono as of December 31, 2023
Entitas Anak PT Bank KB Bukopin Syariah
Subsidiaries PT KB Bukopin Finance
30 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 31
Alamat Kantor Pusat Gedung PT Bank KB Bukopin Tbk
GRI 2-1] [OJK C.2] Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770
Head Office Address Telepon: +6221-7988266, 7989837
Fax: +6221-7980625, 7980238, 7980244
PT Bank KB Bukopin Tbk Building
Jl. M.T. Haryono Kav. 50-51 South Jakarta 12770
Phone: +6221 7988266, 7989837
Fax: +6221-7980625, 7980238, 7980244
Kontak Alamat Sekretaris Perusahaan
Contact Address Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770
Telepon: +6221 7988266, 7989837
Fax: +6221-7986355
Email: corsec@kbbank.co.id
Corporate Secretary
Jl. M.T. Haryono Kav. 50-51 South Jakarta 12770
Phone: +6221 7988266, 7989837
Fax: +6221-7986355
Email: corsec@kbbank.co.id
Kantor Layanan [GRI 2-1, 2-6] Per 31 Desember 2023
Offices • 24 Provinsi KB Bank beroperasi
• 1 (satu) Kantor Pusat
• 29 Kantor Cabang
• 143 Kantor Cabang Pembantu
• 1 Kantor Fungsional
As of 31 December 2023
•KB Bank operates in 24 provinces
• 1 (one) Head Office
• 29 Branch Offices
• 143 Sub-Branch Offices
• 1 Functional Office
Jumlah Jaringan ATM 11 ATM PT Bank KB Bukopin Tbk. Kartu ATM PT Bank KB Bukopin Tbk
Total ATM terkoneksi dengan seluruh jaringan ATM Prima dan ATM Bersama di seluruh
Tanah Air. Seluruh kantor KB Bukopin telah terhubung dalam satu jaringan
real time online.
There are 11 PT Bank KB Bukopin Tbk ATMs. The PT Bank KB Bukopin Tbk
ATM card is connected to the entire ATM Prima and ATM Bersama network
throughout the country. All KB Bukopin offices are connected in one real time
online network.
Media Sosial Youtube: KB Bank
Social Media Facebook: KB Bank
Instagram: kbbukopin
Twitter : kbbank_id
Serikat Karyawan Serikat Pekerja Bukopin (SPB)
Employee Union Bukopin Workers Union (SPB)
PT Bank KB Bukopin Tbk Sustainability Report 2023 31
Page 32
Sekilas PT Bank KB Bukopin Tbk
PT Bank KB Bukopin Tbk at a Glance
PT Bank KB Bukopin Tbk (KB Bukopin atau Perseroan) didirikan PT Bank KB Bukopin Tbk (hereinafter referred to as the “KB
pada tanggal 10 Juli 1970 dengan nama Bank Umum Koperasi Bukopin” or “the Company”) was incorporated on 10 July
Indonesia (disingkat Bukopin) berdasarkan Surat Keputusan 1970, under the name of Bank Umum Koperasi Indonesia or
Direktorat Jenderal Koperasi No. 13/Dirjen/Kop/70 dan telah Indonesian Cooperative Commercial Bank, (abbreviated as
didaftarkan dalam Daftar Umum Direktorat Jenderal Koperasi BUKOPIN) based on the Decision Letter of the Directorate
dengan No. 8251 pada tanggal 10 Juli 1970. General of Cooperatives No. 13/Dirjen/Kop/70 and was
registered in the General Register of the Directorate General
of Cooperatives No. 8251 on 10 July 1970.
Pada tahun 1971, Perseroan mengembangkan usahanya ke In 1971, the Company expanded its business to the Retail and
segmen Ritel dan Konsumer dengan izin Menteri Keuangan Consumer segments with permission from the Minister of
dalam Surat Keputusan No. Kep-078/DDK/II/3/1971 tanggal Finance in Decree No. Kep-078/DDK/II/3/1971 dated 16 March
16 Maret 1971. Perseroan kemudian mulai melakukan usaha 1971. The Company then began carrying out its commercial
komersialnya sebagai bank umum koperasi di Indonesia. business as a cooperative commercial bank in Indonesia. The
Kegiatan Perseroan pada fase awal tersebut, mencakup Company’s activities in this initial phase included all commercial
segala kegiatan bank umum, sebagaimana dimaksud dalam banking activities, as intended in the Banking Law, with the
Undang-Undang Perbankan, dengan tujuan utama dalam main aim of paying attention to and serving the interests of
memperhatikan dan melayani kepentingan gerakan koperasi the cooperative movement in Indonesia in accordance with
di Indonesia sesuai dengan Undang-Undang Perkoperasian the applicable Cooperative Law.
yang berlaku.
Berkiprah lebih dari 20 tahun di industri perbankan, Perseroan Having been involved in the banking industry for more than
melakukan penggabungan usaha dengan beberapa bank umum 20 years, the Company merged with several cooperative
koperasi. Dalam tahap ini, Perseroan melakukan perubahan commercial banks. In this stage, the Company changed
nama dari Bank Umum Koperasi Indonesia (Bukopin) menjadi its name from Indonesian Cooperative Commercial Bank
Bank Bukopin. Perubahan nama tersebut telah disahkan (Bukopin) to Bank Bukopin. The name change was ratified at
dalam Rapat Anggota Bank Umum Koperasi Indonesia yang the Indonesian Cooperative Commercial Bank Member Meeting
tertera dalam surat No. 03/RA/XII/89 pada tanggal 2 Januari as stated in letter No. 03/RA/XII/89 on January 2 1990. Then,
1990. Kemudian, tahap selanjutnya, status badan hukum Bank in the next stage, Bank Bukopin’s legal entity status changed
Bukopin berubah dari koperasi menjadi perseroan terbatas. from a cooperative to a limited liability company. On July 1
Pada tanggal 1 Juli 1993, kegiatan usaha Bank Bukopin dalam 1993, Bank Bukopin’s business activities in the form of a limited
bentuk perseroan terbatas dimulai. liability company began.
Sejak awal pendiriannya, Bank memfokuskan diri pada segmen Since its inception, the Bank has focused on the MSME (Micro,
UMKM (Usaha Mikro Kecil dan Menengah). Seiring dengan Small and Medium Enterprises) segment. In line with the
terbukanya kesempatan dan peningkatan kemampuan melayani opening of opportunities and increasing ability to serve the
kebutuhan masyarakat yang lebih luas, telah mengembangkan needs of a wider community, it has expanded its business to
usahanya ke segmen Ritel dan Konsumer. the Retail and Consumer segments.
Pada tahun 2006, Perseroan telah mencatatkan sejarahnya In 2006, the Company recorded its history by conducting an
dengan melakukan penjualan saham perdana atau IPO (Initial initial share sale or IPO (Initial Public Offering) and issuing
Public Offering) dan menerbitkan saham baru sebanyak 843,765,500 new shares at an initial price of IDR 350 per
843.765.500 saham dengan harga perdana Rp350 per saham. share. By implementing this strategy, on July 10 2006, Bank
Dengan penerapan strategi tersebut, pada tanggal 10 Juli Bukopin’s shares were officially listed on the Jakarta Stock
2006, saham Bank Bukopin resmi tercatat di Bursa Efek Jakarta Exchange and Surabaya Stock Exchange as a public company
dan Bursa Efek Surabaya sebagai perusahaan publik dengan with the code BBKP.
kode BBKP.
Seiring dengan dinamika Perseroan, Anggaran Dasar Bank KB In line with the dynamics of the Company, the Articles of
Bukopin telah mengalami beberapa perubahan dan perubahan Association of Bank KB Bukopin have undergone several
terakhir dinyatakan dengan Akta Pernyataan Keputusan Rapat changes and the latest changes are stated in the Deed of
tertanggal 30 November 2022 No. 108 sebagaimana telah Meeting Decision Statement dated 30 November 2022 No. 108
diterima dan dicatat di dalam database Sistem Administrasi as received and recorded in the Legal Entity Administration
32 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 33
Badan Hukum Kementerian Hukum dan Hak Asasi Manusia RI System database of the Ministry of Law and Human Rights of
tertanggal 14 Desember 2022 No. AHU-0090647.AH.01.02 the Republic of Indonesia dated 14 December 2022 No. AHU-
tentang Persetujuan Perubahan Anggaran Dasar Perseroan 0090647.AH.01.02 concerning Approval of Amendments to the
Terbatas PT Bank KB Bukopin Tbk. dan sesuai dengan susunan Articles of Association of the Limited Liability Company PT Bank
terakhir anggota Direksi dalam Akta Pernyataan Keputusan KB Bukopin Tbk. and in accordance with the latest composition
Rapat tertanggal 31 Januari 2023 No. 77, sebagaimana telah of members of the Board of Directors in the Deed of Meeting
diterima dan dicatat di dalam database Sistem Administrasi Resolutions dated 31 January 2023 No. 77, as received and
Badan Hukum Kementerian Hukum dan Hak Asasi Manusia recorded in the Legal Entity Administration System database
RI tertanggal 10 Februari 2023 No. AHU-AH.01.09-0088669 of the Ministry of Law and Human Rights of the Republic of
Perihal: Penerimaan Pemberitahuan Perubahan Data Perseroan Indonesia dated 10 February 2023 No. AHU-AH.01.09-0088669
PT Bank Bukopin Tbk. Re: Receipt of Notification of Changes to Company Data PT
Bank Bukopin Tbk.
Perseroan beberapa kali mengalami perubahan status hingga The Company underwent several status changes until in
pada tahun 2004 Perseroan mengubah status perusahaan 2004 the Company changed its company status to a Public
menjadi Perusahaan Terbuka. Dalam perubahan status ini, Company. In this change of status, KB Bukopin’s capital
struktur permodalan KB Bukopin menjadi semakin kokoh structure became stronger as a result of its achievement in
dimana sebagai hasil dari pencapaiannya dalam melakukan conducting an IPO (Initial Public Offering) on July 10 2006.
IPO (Initial Public Offering) pada tanggal 10 Juli 2006. Kemudian, Then, the Company continued to develop several programs
Perseroan terus mengembangkan beberapa program dalam to support its operations by implementing a priority scale in
mendukung operasionalnya dengan menerapkan skala prioritas accordance with short-term strategies which has been carefully
sesuai dengan strategi jangka pendek yang telah disusun prepared. The implementation of this strategy is aimed at
dengan matang. Penerapan strategi tersebut ditujukan untuk ensuring that comprehensive banking services are provided
menjamin dipenuhinya layanan Perbankan yang komprehensif to customers through a network that is connected nationally
pada nasabah melalui jaringan yang terhubung secara nasional and internationally, a variety of products and high standard
maupun internasional, produk yang beragam serta mutu service quality.
pelayanan dengan standar yang tinggi.
Seiring dengan perkembangan industri bisnis perbankan, Along with the development of the banking business industry,
Perseroan terus melakukan inovasi dengan mengembangkan the Company continues to innovate by developing digital-
produk dan layanan berbasis digital yang tidak dimiliki oleh based products and services that its competitors such as Flexy
kompetitornya seperti Flexy Bill, Flexy Gas dan Flexy Health Bill, Flexy Gas and Flexy Health do not have, which further
yang semakin memperkuat posisi Perseroan dalam persaingan strengthens the Company’s position in the banking business
bisnis Perbankan di Indonesia. competition in Indonesia.
Pada tahun 2018, Perseroan memulai sinergi dengan KB In 2018, the Company began synergizing with KB Kookmin
Kookmin Bank melalui aksi korporasi berupa Penawaran Bank through corporate action in the form of a Limited Public
Umum Terbatas (PUT) IV yang menjadikan KB Kookmin Bank Offering (PUT) IV which resulted in KB Kookmin Bank owning
memiliki 22% saham Perseroan. Hingga laporan ini diterbitkan, 22% of the Company’s shares. Until this report was published,
KB Kookmin Bank telah sah menjadi Pemegang Saham Utama KB Kookmin Bank had officially become the Main Shareholder
dengan porsi 67%. with a portion of 67%.
Hingga akhir tahun 2023, Bank memiliki jaringan operasional Until the end of 2023, the Bank has an operational network of
sebanyak 174 outlet yang tersebar di 24 provinsi di seluruh 174 outlets spread across 24 provinces throughout Indonesia
Indonesia yang terhubung secara real time online. Perseroan which are connected in real time online. The Company has also
juga telah membangun jaringan micro-banking yang diberi built a micro-banking network called “Swamitra”, as a form of
nama “Swamitra”, sebagai wujud program kemitraan dengan partnership program with cooperatives and the Company. Apart
koperasi dan Perseroan. Selain itu, Perseroan juga memiliki 11 from that, the Company also has 11 ATMs and are connected
ATM dan terhubung dengan seluruh ATM yang berada pada to all ATMs in the ATM Bersama and ATM Prima networks.
jaringan ATM Bersama, dan ATM Prima.
Per 31 Desember 2023, PT Bank KB Bukopin Tbk memiliki 2 As of 31 December 2023, PT Bank KB Bukopin Tbk has 2
(dua) anak perusahaan, yaitu PT Bank KB Bukopin Syariah dan (two) subsidiaries, namely PT Bank KB Bukopin Syariah and
PT KB Bukopin Finance dengan laporan keuangan masing- PT KB Bukopin Finance with the financial reports of each
masing anak perusahaan dikonsolidasikan ke dalam Laporan subsidiary being consolidated into the Consolidated Financial
Keuangan Konsolidasian PT Bank KB Bukopin Tbk dan Entitas Statements of PT Bank KB Bukopin Tbk and Subsidiaries.
Anak. PT KB Bukopin Finance (d/h PT Indo Trans Buana Multi PT KB Bukopin Finance (formerly PT Indo Trans Buana Multi
Finance) yang didirikan pada tanggal 11 Maret 1983, merupakan Finance) which was founded on March 11 1983, is a company
perusahaan yang bergerak di bidang pembiayaan investasi, engaged in investment financing, working capital financing
pembiayaan modal kerja, dan pembiayaan multiguna yang and multipurpose financing which was established based on
didirikan berdasarkan Akta Notaris No. 5 yang dibuat di Notarial Deed No. 5 made before Tan A. Sioe, S.H., a notary
PT Bank KB Bukopin Tbk Sustainability Report 2023 33
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hadapan Tan A. Sioe, S.H., notaris berkedudukan di Semarang. domiciled in Semarang. Meanwhile, PT Bank KB Bukopin Sementara itu, PT Bank KB Bukopin Syariah atau BSB (d/h PT Syariah or BSB (formerly PT Bank Persyarikatan Indonesia), Bank Persyarikatan Indonesia), didirikan pada tanggal 29 Juli was established on July 29 1990 based on Notarial Deed No. 1990 berdasarkan Akta Notaris No. 102 yang dibuat di hadapan 102 made in the presence of Dr. Widjodjo Wilami, S.H., notary Dr. Widjodjo Wilami, S.H., notaris berkedudukan di Samarinda. based in Samarinda. BSB operates in the business of sharia BSB bergerak di bidang jasa keuangan syariah. financial services. Perseroan berhasil membangun kepercayaan dan tumbuh The Company has succeeded in building trust and growing secara berkelanjutan dengan senantiasa berkomitmen untuk sustainably by always being committed to providing the best memberikan layanan dan produk terbaik sebagai lembaga services and products as a trusted banking institution with a perbankan yang terpercaya dengan struktur keuangan yang strong, healthy and efficient financial structure. Currently, in kokoh, sehat dan efisien. Saat ini, di industri perbankan, KB the banking industry, KB Bukopin is included in the category of Bukopin masuk pada kategori kelompok bank menengah di medium-sized banks in Indonesia which has assets reaching Indonesia yang memiliki aset mencapai Rp84,31 triliun per 31 Rp84.31 trillion as of 31 December 2023. This shows that the Desember 2023. Hal ini menunjukkan bahwa Perseroan memiliki Company has a strong capital structure and financial foundation. struktur modal dan pondasi keuangan yang kuat dan mampu and able to compete in the domestic market. bersaing di pasar domestik. Sesuai dengan persetujuan para Pemegang Saham dalam Rapat In accordance with the approval of the Shareholders at the Umum Pemegang Saham Luar Biasa (RUPSLB) pada tanggal Extraordinary General Meeting of Shareholders (EGMS) on 30 30 November 2022, di Kantor Pusat KB Bukopin, KB Bukopin November 2022, at the KB Bukopin Head Office, KB Bukopin akan melakukan penambahan modal melalui Penawaran Umum will increase capital through a Limited Public Offering (PUT VII) Terbatas (PUT VII) dengan skema Hak Memesan Efek Terlebih with a Pre-emptive Rights scheme ( HMETD) or rights issue. Dahulu (HMETD) atau rights issue. Pada 31 Mei 2023, aksi penambahan modal melalui right issue On May 31 2023, the action to increase capital through a pun tuntas. Dalam aksi ini, pengendali KB Bukopin, yakni Bank rights issue was completed. In this action, the controller of KB KB Kookmin, menyerap 67% saham baru yang dikeluarkan atau Bukopin, namely Bank KB Kookmin, absorbed 67% of the new setara 80,2 miliar lembar saham yang senilai Rp 8,02 triliun. shares issued or the equivalent of 80.2 billion shares worth IDR Dengan begitu, Bank KB Kookmin tetap mempertahankan 8.02 trillion. In this way, Bank KB Kookmin continues to maintain posisinya sebagai pengendali tanpa terkena dilusi . its position as controller without being subject to dilution. Dalam Penawaran Umum Terbatas (PUT VII) tersebut, Perseroan In the Limited Public Offering (PUT VII), the Company issued menerbitkan 119,99 miliar lembar saham. Sebanyak 95% dari 119.99 billion shares. As many as 95% of the new shares were saham baru tersebut dibeli oleh investor asing, sementara 5% purchased by foreign investors, while 5% were purchased dibeli oleh investor lokal. Dari aksi ini, kepemilikan masyarakat by local investors. From this action, public ownership or free atau free float di PT Bank KB Bukopin Tbk menjadi 16,14%. float in PT Bank KB Bukopin Tbk became 16.14%. Through Melalui right issue, Perseroan berhasil mendapatkan suntikan the rights issue, the Company succeeded in obtaining a cash dana sebesar Rp11,99 triliun yang rencananya akan digunakan injection of IDR 11.99 trillion which is planned to be used for untuk kegiatan ekspansi kredit di mana mayoritas kredit akan credit expansion activities where the majority of credit will be disalurkan kepada korporasi. channeled to corporations. Pilihan menyalurkan kredit kepada korporasi merupakan The choice to channel credit to corporations is a top down strategi top down yang diambil PT Bank KB Bukopin Tbk strategy taken by PT Bank KB Bukopin Tbk with the aim of dengan tujuan menggencarkan ekspansi kredit sekaligus accelerating credit expansion while improving quality. With this meningkatkan kualitas. Dengan strategi ini, Perseroan akan strategy, the Company will focus on wholesale or corporate memfokuskan ke wholesale atau corporate banking terlebih banking first, then retail banking, as well as improving asset dahulu, baru kemudian ke retail banking, serta meningkatkan quality with a target non-performing loan ratio (Gross NPL) of kualitas aset dengan target rasio kredit bermasalah (NPL Gross) close to 1%, so that the cost of funds becomes more stable bisa mendekati 1%, hingga biaya dana menjadi lebih stabil dan and interest income in the future increase. pendapatan bunga ke depan meningkat. 34 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Keterangan Perubahan Nama
Information on Name Changes
• Bank Umum Koperasi Indonesia • Indonesian Cooperative Commercial Bank
Surat Keputusan Direktorat Jenderal Koperasi No. 13/Dirjen/ Decree of the Directorate General of Cooperatives No. 13/
Kop/70 tanggal 10 Juli 1970. Dirjen/Kop/70 dated 10 July 1970.
• Bank Hukum Koperasi (Bukopin) • Cooperative Legal Entity (Bukopin)
Disahkan sebagai badan hukum berdasarkan Surat Legalized as a legal entity based on the Decree of the
Keputusan Direktorat Jendral Koperasi No. 13/Dirjen/Kop/70 Directorate General of Cooperatives No. 13/Dirjen/Kop/70
tanggal 10 Juli 1970. dated 10 July 1970.
• Bank Bukopin • Bank Bukopin
Disahkan dalam Surat Keputusan Direktur Jendral Bina Ratified in the Decree of the Director General of Cooperative
Lembaga Koperasi No.06/KPTS/BLK/III/1990 tanggal 8 Institutions No.06/KPTS/BLK/III/1990 dated March 8, 1990
Maret 1990.
• Perseroan Terbatas Tertutup (PT Bank Bukopin) • Limited Liability Company (PT Bank Bukopin)
Akta Notaris No. 126 tanggal 25 Februari 1993 dari Notaris Notary Deed No. 126 dated 25 February 1993 from Notary
Muhani Salim, S.H., beserta pembetulannya, dengan Akta Muhani Salim, S.H., along with the amendments thereto,
Notaris No. 118 tanggal 28 Mei 1993. with Notary deed No. 126. 118 dated 28 May 1993.
• Perusahaan Terbuka PT Bank Bukopin Tbk • Public Company PT Bank Bukopin, Tbk
Surat Keputusan Deputi Gubernur Senior Bank Indonesia Decree of the Senior Deputy Governor of Bank Indonesia
No. 6 November KEP.DGS/2004 tanggal 19 April 2004 No. 6 November KEP.DGS/2004 dated 19 April 2004.
• PT Bank KB Bukopin Tbk • PT Bank KB Bukopin Tbk
Disahkan dalam Rapat Umum Pemegang Saham Luar Biasa Ratified at the Extraordinary General Meeting of
22 Desember 2020, dan berdasarkan Akta Pernyataan Shareholders 22 December 2020, and based on the Deed
Keputusan Rapat tertanggal 22 Desember 2020 No. 12 of Statement of Meeting Resolutions dated 22 December
No. AHU-0085571.AH.01.02. 2020 No. 12 No. AHU-0085571.AH.01.02.
PT Bank KB Bukopin Tbk Sustainability Report 2023 35
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Logo Perusahaan
Corporate Logos
Logo sebagai sarana identitas yang mencerminkan karakter, Logo as a means of identity that reflects the character, products
produk dan jasa sebuah perusahaan sehingga dapat and services of a company so that it can convey information
menyampaikan informasi mengenai perusahaan kepada publik, about the company to the public, which a logo has many
dimana sebuah logo memiliki banyak elemen berupa bentuk, elements in the form of shape, color, line and type, all of which
warna, garis dan jenis yang keseluruhannya saling mendukung support each other to influence the thoughts, views or public
untuk mempengaruhi pemikiran, pandangan atau pendapat opinion of the company as well as to reflect the values, vision
publik terhadap perusahaan serta mencerminkan nilai-nilai, and commitment to providing the best service to customers.
visi, dan komitmen dalam memberikan layanan terbaik kepada
nasabah.
Simbol Symbol
• Simbol KB mencerminkan ambisi perusahaan untuk menjadi • The KB symbol reflects the company’s ambition to become
brand finansial yang terkemuka di Industri Keuangan Tanah a leading financial brand in the Indonesian Financial Industry
Air dengan memperkuat branding “Korea Best”. by strengthening the “Korea Best” branding.
• Simbol Star-b yang mengandung makna bintang, • Star-b symbol has star meaning, which shows future
menunjukkan perspektif orientasi masa depan KB Financial oriented perspective of KB Financial Group and its high
Group dan keinginan yang tinggi untuk melesat ke kelas desire to advance to the world class.
dunia.
Visualisasi Visualization
• Warna kuning pada logo Perseroan melambangkan • Yellow color on the Company’s logo represents the new
kesegaran baru yang dibawa oleh KB Kookmin Bank. freshness that KB Kookmin Bank brings.
• Teknologi terbaru dan dukungan jaringan global menjadi • The latest technology and global network support become
modal KB Bank menyediakan layanan finansial terbaik bagi the strengths of KB Bank in providing the best financial
Indonesia. services for Indonesia.
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Visi, Misi, dan
Budaya Perusahaan [OJK C.1]
Corporate Vision, Mission, and Values [OJK C.1]
Bank telah menetapkan visi dan misi yang dijadikan acuan bagi The Bank has established a vision and mission that is used
arah pengembangan usaha. Visi dan Misi Perusahaan tersebut as a reference for the direction of business development.
ditetapkan melalui SK Dewan Komisaris No. SKEP/001/D.KOM/ The Company’s Vision and Mission are determined through
VII/2013 tentang Penyempurnaan Visi dan Misi PT Bank Bukopin the Decree of the Board of Commissioners No. SKEP/001/D.
Tbk, tertanggal 9 Juli 2013 dan SK Direksi No. SKEP/634/ KOM/VII/2013 concerning Improving the Vision and Mission
DIR/VII/2013 tanggal 10 Juli 2013 yang telah diubah sesuai of PT Bank Bukopin Tbk, dated 9 July 2013 and the Decree
dengan Surat Keputusan Direksi No. 1092 tanggal 24 Juni of the Board of Directors No. SKEP/634/DIR/VII/2013 dated
2019 sebagai berikut: July 10, 2013 which has been amended in accordance with
the Decree of the Board of Directors No. 1092 dated 24 June
2019 as follow:
Menjadi Lembaga Keuangan
Visi | Vision Pilihan Utama di Indonesia.
To be the First Choice Financial Institution in Indonesia.
Memahami dan Memberi
Misi | Mission Solusi kepada Nasabah.
Understanding and Providing Solutions to Customers.
Review atas Visi dan Misi Perusahaan
Review of the Company’s Vision and Mission
Dewan Komisaris dan Direksi senantiasa melakukan The Board of Commissioners and the Board of Directors
review atas Visi dan Misi yang telah ditetapkan Perseroan. always review the Vision and Mission that has been set by
Review tersebut dilakukan untuk memastikan Visi dan the Company. The review is carried out to ensure that the
Misi Perusahaan masih relevan dengan perkembangan Company’s Vision and Mission are still relevant to business
bisnis, kebutuhan pemangku kepentingan dan arah developments, stakeholder needs and the direction of
persaingan antar pelaku usaha jasa keuangan. Manajemen competition among financial services business actors. In
telah melakukan review atas visi dan misi Bank dengan 2021 the Management has reviewed the Bank’s vision and
memperhatikan perkembangan organisasi dan manajemen mission by taking into account the development of the
memandang perlu adanya pembaharuan atas visi dan organization and management sees the need for renewal
misi saat ini. of the current vision and mission.
PT Bank KB Bukopin Tbk Sustainability Report 2023 37
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BUDAYA PERUSAHAAN CORPORATE CULTURE
Budaya Perusahaan merupakan nilai dan falsafah yang diyakini Corporate culture is a value and philosophy that is believed to
dapat menjadi landasan dan acuan untuk mencapai tujuan. be the basis and reference for achieving goals. The values of
Adapun nilai-nilai Perusahaan I CAN yang telah disahkan sesuai the Company I CAN which have been ratified in accordance
Surat Keputusan Direksi No. 1092 Tahun 2019 antara lain adalah with the Decree of the Board of Directors No. 1092 of 2019
sebagai berikut: include the following:
Integrity (Integritas) Diartikan sebagai mengutamakan kejujuran, kedisiplinan dan komitmen untuk membangun kepercayaan Nasabah.
Perilaku utama yang sejalan dengan nilai ini:
• Jujur
• Disiplin dan Berkomitmen
Defined as prioritizing honesty, discipline and committed to build customer trust. The main behavior that goes along
with this value:
• Honest
• Discipline and Committed
Competent (Kompeten) Diartikan sebagai cakap dalam melaksanakan tugas dan melakukan perbaikan terus-menerus untuk selalu menjadi
yang terbaik. Perilaku utama yang sejalan dengan nilai ini:
• Cepat belajar
• Peningkatan dan perbaikan berkesinambungan
Defined as being proficient in carrying out tasks and making continuous improvements to always be the best. The
main behavior that goes along with this value:
• Quick learning
• Continuous improvement and refinement
Care (Peduli) Diartikan sebagai peduli dan sinergi untuk kemajuan bersama. Perilaku utama yang sejalan dengan nilai ini:
• Tulus/empati & peduli
• Sinergi/Kerjasama
Defined as caring and synergy for mutual progress. The main behaviors that are in line with this value:
• Sincere/empathy & caring
• Synergy/cooperation
Accountable (Akuntabilitas) Diartikan sebagai bertanggung jawab penuh dan menguasai pekerjaan untuk mencapai hasil terbaik. Perilaku utama
yang sejalan dengan nilai ini:
• Bertanggung jawab
• Menguasai tugas
Defined as taking full responsibility and mastering the work to achieve the best results. The main behavior that goes
along with this value:
• Responsible
• Mastering the task
Never Give Up (Tidak Diartikan sebagai mampu berpikir “out of the box” dan pantang menyerah dalam menghadapi tantangan dan
Pernah Menyerah) hambatan untuk mencapai hasil terbaik. Perilaku utama yang sejalan dengan nilai ini:
• Pantang menyerah
• Berpikir “out of the box”
Defined as being able to think “out of the box” and never give up in the face of challenges and obstacles to achieve
the best results. The main behavior that goes along with this value:
• Never give up
• Thinking “out of the box”
Nilai-Nilai Perusahaan I CAN tersebut diharapkan dapat I CAN’s Corporate Values are expected to be implemented in
diimplementasikan dalam perilaku sehari-hari oleh seluruh daily behavior by all levels of management and employees in
jajaran manajemen dan karyawan di Perseroan untuk the Company to realize the Company’s vision and mission.
mewujudkan visi dan misi Perusahaan.
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Struktur Organisasi
Organization Structure
GENERAL MEETING
OF SHAREHOLDERS
BOARD OF
COMMISIONERS
PRESIDENT
DIRECTOR
VICE PRESIDENT
DIRECTOR
Retail Business & SME Wholesale
Credit
Services Business
MSME Product & Wholesale Special Asset
Corporate Relation Retail Product Sales Distribution Credit Underwriting
Business Support Business Management
Credit Regional
Secured Loan Regional Office SME Product Wholesale Funding SAM I
Center (CRC)
SME Portofolio Retail Credit Center SPC I
Unsecured Loan Branch Office Wholesale Lending
& Support (RCC) Management
Deposit Product, Retail Business Wholesale Credit SPC II
Swamitra Korean Link Business
WM & Cards Specialist Analyst Management
Branch SME
Service & Transaction Korean Link Credit Support
Performance Sales Specialist Bulk Auction
Business
Management
& Marketing
Communication
Payment,
DPD & Portofolio AYDA/WO
Electronic & Card New Business Solution
Management Asset Sale
Operation
Wholesale Biz
Insurance Development & SAM II Wholesale
New Biz Solution
Customer
SAM Wholesale
Experience &
I&II
Development
SAM III Wholesale
SAM Restructuring
SAM Wholesale
& Performance SAM V Retail SAM IV SME
III&IV
Management Dept.
Retail Collection SAM SME Region I
SAM Channeling,
SAM SME Region
Join Financing &
II-III
Swamitra
SAM SME Region
IV-V
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REMUNERATION &
NOMINATION COMMITTEE
RISK MONITORING
COMMITTEE
AUDIT COMMITTEE
GOVERNANCE OF FINANCIAL
CONGLOMERATION
INTEGRATED COMMITTEE
Compliance & Risk Finance Strategy IT & Digital
Treasury &
Compliance & QA Corporate Strategy Internal Audit Human Capital IT Planning & Operation Digital
International Banking
Corporate Strategy
HQ, IT & Subsidiary HC Business IT Planning & Digital Business &
Quality Assurance Treasury & Subsidiary
Audit Partner Customer First Ecosystem
Management
Capital Market Digital
Compliance Policy Professional IT Operation &
Service & Financial Channel Strategy Talent Acquisition Development &
& GCG Practices Structure
Institution Solution
Anti Money Procurement & Branch & Regional
Finance IT Development IT Security
Laundering Asset Management Audit
IT Digital &
Corporate Legal & Financial Planning Transformation Enterprise
Litigation
Development
Management Strategic Anti Fraud & Special Core System
Risk Management Information System Partnership Investigation Development
Credit Risk Transformation Corporate
Management Accounting & Tax Office & PMO Communication
Enterprise Risk Financial Corporate
Management Management Secretary
Board of
Operational & TI
Commissioners
Risk Management
Secretary
PT Bank KB Bukopin Tbk Sustainability Report 2023 41
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Bidang Usaha, Produk dan Jasa
[GRI 2-2] [OJK C.4]
Business Sector, Products and Services [GRI 2-2] [OJK C.4]
Sesuai dengan Anggaran Dasar Perusahaan, pasal 3 ayat 1, In accordance with the Company’s Articles of Association,
Perseroan bergerak di industri jasa perbankan. Fokus layanan article 3 paragraph 1, the Company operates in the banking
perbankan yang ditawarkan Perseroan adalah pada segmen services industry. The focus of banking services offered by
ritel, segmen UMKM, dan segmen komersial. Keseluruhan the Company is on the Retail segment, MSME segment and
segmen tersebut didukung oleh perbankan internasional, Commercial segment. The entire segment is supported by
treasury, dan layanan berbasis fee. KB Bukopin menjalankan international banking, treasury and fee-based services. KB
kegiatan usaha berupa penghimpunan dana dan penyaluran Bukopin carries out business activities in the form of raising
kredit yang fokus pada empat pilar utama yaitu Bisnis Mikro, funds and distributing credit which focuses on four main
Usaha Kecil, Menengah & Koperasi (UKMK), Bisnis Ritel, dan pillars, namely Micro Business, Small, Medium Enterprises
Bisnis Komersial. & Cooperatives (UKMK), Retail Business and Commercial
Business.
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Wilayah Operasi [GRI 2-1] [OJK C.3]
Operation Area [GRI 2-1] [OJK C.3]
PT Bank KB Bukopin Tbk hanya beroperasi di Indonesia dengan PT Bank KB Bukopin Tbk only operates in Indonesia with one
1 (satu) Kantor Pusat dan 173 jaringan kantor yang terdiri dari Head Office and 173 office network which includes branch
kantor cabang, kantor cabang pembantu, dan kantor fungsional offices, sub-branch offices and functional offices as well as
serta sebanyak 11 jaringan ATM. 11 ATM network.
1
2
5
3 18
20
6
4
7
19
8
9
12
10 13
11
14 15
16
JENIS KANTOR
2023 2022 2021 2020 2019 2018
OFFICE TYPE
Kantor Pusat 1 1 1 1 1 1
Head Office
Kantor Cabang 29 41 42 42 42 42
Branch Office
Kantor Cabang 143 231 310 173 176 175
Pembantu
Sub-Branch Office
Kantor Fungsional 1 3 4 9 9 22
Functional Office
Kantor Kas - - - 169 156 104
Cash Office
Payment Point - - - 25 25 22
Payment Point
ATM 11 359 673 850 834 867
ATM
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Kantor Wilayah Alamat Telp/Fax/Website
Regional Office Address Phone/Fax/Website
Regional I Jl. MT. Haryono Kav. 50-51 Jakarta 12770 Telp. (021) 7988266 • Fax. (021) 7980625
Phone (021) 7988266 • Fax. (021) 7980625
Regional II Jl. Pandanaran No. 125 Semarang 50241 Telp. (024) 8412132 • Fax. (024) 8414081
Phone (024) 8412132 • Fax. (024) 8414081
Regional III Jl. Gajah Mada No. 23B, Medan Telp. (061) 4152445 • Fax. (061) 4529228
Phone (061) 4152445 • Fax. (061) 4529228
Regional IV Jl. Panglima Sudirman Kav. 10-16 Surabaya 60271 Telp. (031) 5451117 • Fax. (031) 5320032
Phone (031) 5451117 • Fax. (031) 5320032
Regional V Jl. Slamet Riyadi No. 2 Makassar 90111 Telp. (0411) 3620740 • Fax. (0411) 362074
Phone (0411) 3620740 • Fax. (0411) 362074
23
24
22
21
17
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Skala Perusahaan [GRI 2-6] [OJK C.3]
Scale of the Company [GRI 2-6] [OJK C.3]
Keterangan Satuan
2023 2022 2021
Information Unit
Jumlah Karyawan Orang 2.618 3.374 4.773*
Number of Employees Employees
Jumlah Kantor Pusat Unit 1 1 1
Number of Head Office Unit
Jumlah Kantor Cabang Unit 29 41 42
Number of Branch Office Unit
Jumlah Kantor Cabang Pembantu Unit 143 231 310
Number of Sub-Branch Office Unit
Jumlah Kantor Fungsional Unit 1 3 4
Number of Functional Office Unit
ATM Unit 11 359 673
ATM Unit
Jumlah Liabilitas Juta Rupiah 70.197.137 78.778.747 76.010
Total Liability Million IDR
Jumlah Ekuitas Juta Rupiah 14.110.163 11.216.605 13.206
Total Equity Million IDR
Jumlah Aset Juta Rupiah 84.307.300 89.995.352 89.216
Total Asset Million IDR
Laba (Rugi) Tahun Berjalan Juta Rupiah (6.055.703) (5.032.504) (2.302.279)
Income (Loss) for the Year Million IDR
*disajikan kembali
*restated
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Struktur Kepemilikan Saham
[GRI 2-1][OJK C.3]
Share Ownership Structure [GRI 2-1][OJK C.3]
Per 31 Desember 2023, komposisi pemegang saham PT Bank As of 31 December 2023, the composition of PT Bank KB
KB Bukopin Tbk adalah sebagai berikut: Bukopin Tbk shareholders is as follows:
Kepemilikan Saham Jumlah Pemegang Saham Jumlah Saham Persentase Kepemilikan %
Share Ownership Number of Shareholders Number of Shares Ownership Percentage %
PEMODAL NASIONAL
NATIONAL INVESTOR
Perorangan Indonesia 73.808 18.642.139.484 9,92%
Indonesian individuals
Koperasi 30 905.628.839 0,48%
Cooperatives
Yayasan 3 4.621.314 0,00%
Foundation
Dana Pensiun 9 18.236.042 0,01%
Pension Fund
Asuransi 4 11.702.999 0,01%
Insurance
Bank 2 19.662.220 0,01%
Bank
Perseroan Terbatas 145 4.412.078.401 2,35%
Limited Company
Reksadana 4 35.541.900 0,02%
Mutual Funds
SUBTOTAL 74.005 24.049.611.199 12,80%
PEMODAL ASING
FOREIGN INVESTOR
Perorangan Asing 83 119.260.685 0,06%
Foreign Individuals
Badan Usaha Asing 97 163.718.667.986 87,14%
Foreign Corporation
SUBTOTAL 180 163.837.928.671 87,20%
TOTAL 74.185 187.887.539.870 100%
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Tenaga Kerja [GRI 2-7] [OJK C.3]
Labor [GRI 2-7] [OJK C.3]
Jumlah pegawai PT Bank KB Bukopin Tbk pada tahun 2023 The number of PT Bank KB Bukopin Tbk employees in 2023
berjumlah 2.618 orang, turun 756 orang atau 22,41% dibanding amounts to 2,618 employees, a decrease of 756 employees or
tahun 2022 dengan pegawai sebanyak 3.374 orang. Penurunan 22.41%. compared to 2022 with 3,374 employees. The decrease
terjadi karena adanya penutupan kantor dan pengunduran occurred due to office closures and employee resignations at
diri karyawan atas permintaan sendiri. Komposisi pegawai their own request. The composition of employees based on
berdasarkan status tingkat pendidikan, level organisasi, education level, organizational level, age, employment status
usia, status kepegawaian, dan jenis kelamin selengkapnya and gender are presented in the following tables:
disampaikan dalam tabel-tabel berikut:
Jumlah Pegawai Berdasarkan Level Organisasi dan Jenis Kelamin
The number of employees based on the organizational level and Gender
Level 2023 2022 2021*
Organisasi
Organization Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Level Male Female Total Male Female Total Male Female Total
Division Head 15 2 17 0,65% 10 3 13 0,39 8 6 14 0,29
EVP SVP
Regional Head 3 1 4 0,15% 5 1 6 0,18 5 1 6 0,13
SVP REG BISNIS
Dept Head VP 53 10 63 2,41% 51 8 59 1,75 46 8 54 1,13
Branch Manager 29 6 35 1,34% 51 6 57 1,69 52 5 57 1,19
Manager 296 122 418 15,97% 325 131 456 13,52 343 129 472 9.89
Coordinator 108 112 220 8,40% 142 145 287 8,51 123 150 273 5,72
Officer 430 317 747 28,53% 590 408 998 29,58 736 523 1.259 26,38
Clerical 570 544 1.114 42,55% 680 801 1.481 43,89 1.041 1.140 2.181 45,68
Non Staff 0 0 0 0 17 0 17 0,50 455 2 457 9,57
Total 1504 1.114 2.618 100,00% 1.871 1.503 3.374 100 2.809 1.964 4.773 100,00
*disajikan kembali
*restated
Jumlah Pegawai berdasarkan Tingkat Pendidikan dan Jenis Kelamin
The number of employees based on the level of education and Gender
Tingkat 2023 2022 2021*
Pendidikan
Level of Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Education Male Female Total Male Female Total Male Female Total
SMA 8. 6. 14. 0,53%. 34 15 49 1,45 451 27 478 10,01
High School
Diploma – 1.375 1.057 2.432 92,90% 1.727 1.448 3.175 94,10 2.221 1.890 4.111 86,13
Sarjana
Diploma –
Undergraduate
Pasca Sarjana 121 51. 172. 6,57% 110 40 150 4,45 137 47 184 3,86
-
Doktoral
Postgraduate-
Doctoral
Total 1.504 1.114 2.618 100,00% 1.871 1.503 3.374 100 2.809 1.964 4.773 100
*disajikan kembali
*restated
48 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 49
Jumlah Pegawai Berdasarkan Rentang Usia dan Jenis Kelamin
The number of employees by Age Range and Gender
Rentang 2023 2022 2021*
Usia
Age Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Range Male Female Total Male Female Total Male Female Total
20-24 73 100 173 6,61%, 54 92 146 4,33 53 149 202 4,23
Tahun
20-24
years old
25-29 258 322 580 22,15%, 330 460 790 23,41 384 495 879 18,42
Tahun
25-29
years old
30-34 386 264 650 24,83%, 490 390 880 26,08 673 592 1.265 26,50
Tahun
30-34
years old
35-39 341 188 529 20,21%, 431 246 677 20,07 580 303 883 18,50
Tahun
35-39
years old
40-44 238 142 380 14,51%, 299 176 475 14,08 225 152 377 7,90
Tahun
40-44
years old
45-49 123 79 202 7,72%, 155 102 257 7,62 517 211 728 15,25
Tahun
45-49
years old
50-54 75 18 93 0,04%, 95 22 117 3,47 320 48 368 7,71
Tahun
50-54
years old
>55 10 1 11 0,004% 17 15 32 0,95 57 14 71 1,49
Tahun
>55 years
old
Total 1.504 1.114 2.618 100,00% 54 92 146 4,33 2.809 1.964 4.773 100
*disajikan kembali
*restated
Jumlah Pegawai Berdasarkan Masa Kerja dan Jenis Kelamin
Number of employees by Years of Service and Gender
Masa Kerja 2023 2022 2021*
Years of Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Service % % %
Male Female Total Male Female Total Male Female Total
<5 Tahun 576 508 1.084. 41,41%, 657 680 1.337 39,63 580 631 1.211 25,37
<5 years
> 5-10 Tahun 370 241 611 23,34%, 588 404 992 29,40 933 685 1.618 33,90
> 5-10 years
> 10-15 299 161 460 17,57%, 314 160 474 14,05 487 250 737 15,44
Tahun
> 10-15 years
> 15-20 133 106 239 9,13%, 162 137 299 8,86 353 197 550 11,52
Tahun
> 15-20 years
> 20-25 77 66 143 5,46%, 96 86 182 5,39 270 129 399 8,36
Tahun
> 20-25
years
PT Bank KB Bukopin Tbk Sustainability Report 2023 49
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Jumlah Pegawai Berdasarkan Masa Kerja dan Jenis Kelamin
Number of employees by Years of Service and Gender
Masa Kerja 2023 2022 2021*
Years of Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Service % % %
Male Female Total Male Female Total Male Female Total
> 25-30 35 23 58 2,22%, 30 15 45 1,33 98 26 124 2,60
Tahun
>25-30 years
>30 Tahun 14 9 23 0,88%, 24 21 45 1,33 88 46 134 2,81
>30 years
Total 1.504 1.114. 2.618. 100,00% 1.871 1.503 3.374 100 2.809 1.964 4.773 100%
*disajikan kembali
*restated
Jumlah Pegawai Berdasarkan Status Kepegawaian dan Jenis Kelamin
Number of employees based on Employment status and Gender
Status 2023 2022 2021*
Kepegawaian
Employment Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Status Male Female Total Male Female Total Male Female Total
Karyawan 1.247 917 2.164 82,66% 1.597 1.236 2.833 83,97 2.173 1.647 3.820 80,03
Tetap
Permanent
Employees
Karyawan 257 197 454 17,34% 274 267 541 16,03 636 317 953 19,97
Tidak Tetap
(Kontrak)
Non-
permanent
Employees
(Contract)
Total 1.504 1.114 2.618 100,00% 1.871 1.503 3.374 100 2.809 1.964 4.773 100
*disajikan kembali
*restated
Jumlah Pegawai Berdasarkan Status Kepegawaian dan Wilayah Penempatan
Number of Employees Based on Employment Status and Placement Area
2023 2022 2021
Status
Kepegawaian Kantor Kantor di Kantor Kantor di Kantor Kantor di
Employment Pusat Daerah Jumlah Pusat Daerah Jumlah Pusat Daerah Jumlah
% % %
Status Head Regional Total Head Regional Total Head Regional Total
Office Offices Office Offices Office Offices
Karyawan Tetap 808 1.356 2.164 82,65 854 1.979 2.833 83,97 1.029 2.791 3.820 80,03
Permanent
Employees
Karyawan Tidak 206 228 454 17,35 178 363 541 16,03 155 798 953 19,97
Tetap (Kontrak)
Non-permanent
Employees
(Contract)
Total 1.034 1.584 2.618 100 1.032 2.342 3.374 100 1.184 3.589 4.773 100
50 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Pegawai/Pekerja yang Bukan Pekerja
Langsung [GRI 2-8]
Indirect Employees/Workers [GRI 2-8]
Perseroan mempekerjakan pegawai/pekerja yang bukan pekerja The Company employs employees/workers who are not direct
langsung, yaitu mereka yang melakukan pekerjaan untuk PT workers. They are workers who work for PT Bank KB Bukopin
Bank KB Bukopin Tbk, tetapi tidak memiliki hubungan kerja Tbk, but do not have a direct working relationship with PT
langsung dengan PT Bank KB Bukopin Tbk. Dalam praktik, Bank KB Bukopin Tbk. In practice, they are workers from
mereka adalah pekerja dari perusahaan lain yang ditempatkan di other companies who are placed in work units in the PT Bank
unit kerja di wilayah kerja PT Bank KB Bukopin Tbk, penempatan KB Bukopin Tbk work area. Their placement is part of the
mereka menjadi bagian dari kontrak kerja Perseroan dengan Company’s work contract with the service provider vendor, and
vendor penyedia jasa, dan dilakukan dalam periode sesuai is carried out within the period according to the work contract.
kontrak kerja. Jumlah pekerja yang bukan pekerja langsung The complete number of the indirect workers is as follows:
selengkapnya adalah sebagai berikut:
2023 2022 2021
Status
Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
Pekerja alih daya 1.036 292 1.328 100 1.693 561 2.254 100 1.659 626 2.285 99,65
Outsourcing Workers
Pekerja magang 0 0 0 0 0 0 0 0 2 6 8 0,35
Internship Workers
Perjanjian Perundingan Kolektif
[GRI 2-30]
Collective Bargaining Agreement [GRI 2-30]
Perseroan menjamin kebebasan setiap karyawan untuk The company guarantees the freedom of every employee to
berserikat dan berkumpul dengan membentuk serikat pekerja associate and assemble by forming a workers’ union called the
yang diberi nama Serikat Pekerja PT Bank KB Bukopin Tbk PT Bank KB Bukopin Tbk Workers’ Union (SPBB). The existence
(SPBB). Keberadaan SPBB telah disahkan oleh instansi yang of the SPBB has been ratified by the competent authority
berwenang di bidang ketenagakerjaan sesuai keputusan in the field of employment in accordance with the decision
Direktur Jenderal Pembinaan Hubungan Industrial dan Jaminan of the Director General of Industrial Relations Development
Sosial Tenaga Kerja No. KEP.115/PHIJSK-PK/PKB/VII/2017 and Social Security for Workers No. KEP.115/PHIJSK-PK/PKB/
tanggal 26 Juli 2017. Per 31 Desember 2023, anggota SPBB VII/2017 dated 26 July 2017. As of 31 December 2023, SPBB
tercatat sebanyaksebanyak 1.210 orang atau 55.91% dari jumlah members recorded as many as.1,210 people or 55.91% of the
pekerja tetap. number of permanent workers.
Selanjutnya, untuk menjamin hak dan kewajiban pegawai dan Furthermore, to guarantee the rights and obligations of PT Bank
manajemen PT Bank KB Bukopin Tbk, Serikat Pekerja dan KB Bukopin Tbk employees and management, the Labor Union
manajemen telah menyepakati Perjanjian Kerja Bersama (PKB) and management have agreed on a Collective Labor Agreement
yang secara berkala dilakukan pembaruan. PKB yang berlaku (CLA) which is periodically updated. The CLA that will take
pada tahun 2023 adalah PKB PT Bank Bukopin Tbk 2023 s/d effect in 2023 is the PT Bank Bukopin Tbk CLA 2023-2025.
2025.
PT Bank KB Bukopin Tbk Sustainability Report 2023 51
Page 52
Rantai Pasokan [GRI 2-6]
Supply Chain [GRI 2-6]
PT Bank KB Bukopin Tbk menggandeng pemasok barang PT Bank KB Bukopin Tbk collaborates with suppliers of goods
dan jasa untuk memenuhi kebutuhan barang dan jasa guna and services to meet the need for goods and services to
mendukung operasional usaha. Barang yang diperlukan support business operations. The goods needed by the
Perseroan antara lain ATK, printer, mesin hitung uang, mesin Company include ATK, printers, money counting machines,
validasi, personal computer, laptop, mesin UPS, Mesin Genset, validation machines, personal computers, laptops, UPS
Mesin ATM, dan furnitur serta software dan hardware IT. machines, generators, ATM machines, and furniture. as
Sedangkan jasa yang dibutuhkan PT Bank KB Bukopin Tbk well as IT software and hardware. Meanwhile, the services
antara lain jasa pembuatan seragam, jasa instalasi, jasa required by PT Bank KB Bukopin Tbk include uniform
audit, jasa kontraktor, jasa konsultan, jasa training, dan jasa manufacturing services, installation services, audit services,
pengurusan. Sebagian kerja sama dengan pemasok dilakukan contractor services, consultant services, training services and
dalam jangka panjang, jangka pendek dan sebagian lain management services. Some collaborations with suppliers are
berdasarkan proyek pekerjaan. Untuk mendapatkan kualitas carried out in the long term, short term, and others are based
terbaik, Perseroan telah menentukan spesifikasi dan kualitas on work projects. To obtain the best quality, the Company has
barang dan jasa yang diperlukan. determined the specifications and quality of the goods and
services required.
Sejalan dengan spirit untuk memajukan perekonomian In line with the spirit of advancing the local economy, PT Bank
lokal, PT Bank KB Bukopin Tbk menjalin kerja sama dengan KB Bukopin Tbk collaborates with local suppliers, namely those
pemasok lokal, yakni mereka yang menjalankan usaha dan who run businesses and are domiciled in Indonesia. If local
berdomisili di Indonesia. Jiika pemasok lokal tidak mampu suppliers are unable to meet PT Bank KB Bukopin Tbk needs
memenuhi kebutuhan barang dan jasa PT Bank KB Bukopin Tbk for goods and services, or with certain considerations, the
, atau dengan pertimbangan tertentu, maka Perseroan akan Company will collaborate with foreign/international suppliers,
menggandeng pemasok asing/internasional, yaitu mereka yang namely those who run businesses and are domiciled outside
menjalankan usaha dan berdomisili di luar Indonesia. [GRI 3-3] Indonesia. [GRI 3-3]
Selain pertimbangan tentang pertumbuhan ekonomi setempat, Apart from considerations regarding local economic growth,
pendekatan pemasok berdasarkan geografi juga memiliki the supplier approach based on geography also has other
pertimbangan lain, yaitu meminimalkan jejak karbon. Semakin considerations, namely minimizing the carbon footprint. The
dekat lokasi pemasok, maka jejak karbon yang dihasilkan dari closer the supplier’s location, the smaller the carbon footprint.
pengangkutan barang atau transportasi pemasok barang dan resulting from transporting goods or transporting suppliers of
jasa akan lebih kecil. goods and services.
Pertimbangan lain dalam menjalin kerja sama dengan pemasok Another consideration in collaborating with suppliers is
adalah kepatuhan terhadap regulasi yang berlaku, seperti compliance with applicable regulations, such as employment
peraturan ketenagakerjaan, keselamatan kerja, hak asasi regulations, work safety, human rights, freedom of association,
manusia, kebebasan berserikat, dan dampak keberadaannya and the impact of their existence on society. These matters
terhadap masyarakat. Hal-hal itu mendapat perhatian dari receive attention from the Company because their non-
Perseroan karena ketidakpatuhan mereka niscaya akan compliance will undoubtedly also have an impact at KB Bank.
berimbas juga pada KB Bank. Komitmen Perseroan dalam The Company’s commitment to selecting suppliers correctly
menyeleksi pemasok secara benar membawa hasil dengan brought results with no incidents of suppliers violating various
tidak adanya insiden pemasok yang melanggar berbagai regulations during the reporting year.
regulasi tersebut selama tahun pelaporan.
Berdasarkan kriteria di atas, jumlah pemasok barang dan jasa Based on the criteria above, the number of suppliers of goods
serta nilai kontrak selengkapnya disampaikan dalam tabel and services and the full contract value are presented in the
berikut: [GRI 204-1] following table: [GRI 204-1]
52 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 53
Jumlah Pemasok Barang Nilai Kontrak Pekerjaan (Rp Miliar)
Keterangan Number of Goods Supplier Value of Contract (IDR Billion)
Description
2023 2022* 2021* 2023 2022* 2021*
Indonesia 83 66 18 1.084 1.140,99 68,85
Indonesia
Luar negeri 1 0 0 3,20 0 0
Overseas
Jumlah 84 66 18 1.087 1.140,99 8,85
Total
*Disajikan kembali
*Restated
Jumlah Pemasok Jasa
Number of Service Suppliers
Jumlah Pemasok Jasa Nilai Kontrak Pekerjaan (Rp Miliar)
Keterangan Number of Service Supplier Value of Contract (IDR Billion)
Description
2023 2022 2021 2023 2022 2021
Indonesia 42 0 0 66.30 0 0
Indonesia
Luar negeri 0 0 0 0 0 0
Overseas
Jumlah 42 0 0 66.30 0 0
Total
Berdasarkan tabel di atas, pada tahun 2023, komposisi Based on the table above, in 2023, the composition of local
pemasok lokal sebanyak 125 atau 99% dari total pemasok. suppliers is amounted to 125 or 99% of the total suppliers.
Perubahan Signifikan dalam Organisasi
dan Rantai Pasokan [GRI 2-6][OJK C.6]
Significant Changes in Organizations and Supply Chains
[GRI 2-6][OJK C.6]
Selama tahun pelaporan terdapat perubahan signifikan During the reporting year there are significant changes related
berkaitan dengan operasional PT Bank KB Bukopin Tbk antara to PT Bank KB Bukopin Tbk operations, including the reduction
lain berkurangnya jumlah kantor cabang dari 41 unit pada tahun in the number of branch offices from 41 units in 2022 to 29
2022 menjadi 29 unit pada tahun 2023, serta berkurangnya units in 2023, as well as a reduction in the number of sub-
jumlah kantor cabang pembantu dari 231 unit pada tahun 2022 branch offices from 231 units in 2022 to 143 units in 2023. A
menjadi 143 unit pada tahun 2023. Pengurangan juga terjadi reduction also occurred in the number of ATMs from 359 units
pada jumlah ATM dari 359 unit pada tahun 2022 menjadi 11 in 2022 to 11 units in 2023.
unit pada tahun 2023.
Sementara itu, pada rantai pasokan terjadi perubahan dengan Meanwhile, in the supply chain there was a change with the
adanya penambahan jumlah pemasok barang dan jasa, yaitu dari addition in the number of suppliers of goods and services, from
66 pemasok pemasok pada tahun 2022 menjadi 126 pemasok 66 suppliers in 2022 to 126 suppliers in 2023, or an increase
pada tahun 2023, atau naik sebesar 48%. Perubahan jumlah of 48%. The change in the number of suppliers has the impact
pemasok berdampak dengan bertambah nilai kontrak dari of increasing the contract value from IDR 1,140 million in 2022
Rp1.141 juta pada tahun 2022 menjadi Rp1.163 juta pada tahun to IDR 1,162 in 2023. The increase in contract value affects the
2023. Bertambahnya nilai kontrak memengaruhi pencapaian achievement of targets and performance in 2023.
target dan kinerja tahun 2023.
PT Bank KB Bukopin Tbk Sustainability Report 2023 53
Page 54
Penerapan Prinsip Kehati-hatian
Implementation of the Prudence Principle
Perseroan menerapkan prinsip kehati-hatian untuk menghadapi The Company applies the principle of prudence to deal with
berbagai potensi risiko operasional dan keuangan yang dapat various potential operational and financial risks that can occur
terjadi kapan saja, melalui optimalisasi fungsi pengendalian at any time, through optimizing the integrated internal control
internal yang terintegrasi (Integrated Internal Control System), function (Integrated Internal Control System), namely the
yakni Satuan Kerja Audit Intern (SKAI), Unit Kerja Kepatuhan Internal Audit Work Unit (SKAI), Compliance Work Unit and
dan Unit Kerja Manajemen Risiko, Perseroan juga senantiasa Management Work Unit Risk, the Company is also always
berpedoman kepada prinsip kehati-hatian (prudential banking) guided by the principle of prudence (prudential banking) while
dengan tetap memperhatikan regulasi industri perbankan dan still paying attention to banking industry regulations and other
ketentuan lainnya. Penerapan prinsip kehati-hatian disampaikan provisions. The application of the principle of prudence is
selengkapnya dalam Bab Tata Kelola Keberlanjutan laporan ini. explained in full in the Sustainability Governance Chapter of
this report.
Inisiatif Eksternal
External Initiatives
Perseroan sangat memperhatikan standar mutu dan layanan The Company pays great attention to quality and service
dengan menawarkan produk yang kompetitif sesuai dengan standards by offering competitive products in accordance
ketentuan yang berlaku. Untuk menopang komitmen itu, with applicable regulations. To support this commitment, PT
PT Bank KB Bukopin Tbk mengadopsi dan mendukung beberapa Bank KB Bukopin Tbk adopts and supports several principles
prinsip dan inisiatif yang dikembangkan oleh organisasi/ and initiatives developed by other organizations/institutions,
lembaga lain, baik berupa sertifikasi atau standar-standar either in the form of certification or standards for the
untuk bidang-bidang tertentu, yang diakui secara nasional fields of certain fields, which are recognized nationally and
maupun internasional. Implementasi atas berbagai sertifikasi internationally. The implementation of various certifications and
dan standar tersebut oleh Perseroan telah mendapatkan standards by the Company has received various recognition
berbagai pengakuan dan apresiasi dari pihak luar berupa and appreciation from external parties in the form of awards.
penghargaan. Daftar sertifikasi/standar yang masih berlaku A list of certifications/standards that are still valid in 2023
pada tahun 2023 dan penghargaan yang diterima Perseroan and awards received by the Company are presented in the
disajikan dalam tabel berikut: following table:
Sertifikasi
Certification
Nama Sertifikasi Lembaga Pemberi Sertifikasi Masa Berlaku
No.
Certification Name Certifier Institution Period of Validity
1 ISO 27001 IT Security Management Bureau Veritas Indonesia Mei 2024
Systems May 2024
54 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Penghargaan
Award
Bulan Kegiatan/Acara Foto
Month Activity / Event Photos
27 Juni 2023 AWARD NAME
June 27,2023 Indonesia Top Banking CEO Award 2023
EVENT/RANGE
KB Bukopin received 10 TOP Banking CEO 2023
ORGANIZER
The Iconomic
AWARD NAME
Indonesia Top Banking CEO Award 2023
EVENT/RANGE
KB Bukopin received 10 TOP Banking CEO 2023
ORGANIZER
The Iconomic
30 Agustus 2023 AWARD NAME
August 30, 2023 GRC & Performance Excellence Award 2023
EVENT/RANGE
KB Bukopin received The Best GRC For IT/Digital
Transformation 2023
Category - Banking Industries
ORGANIZER
Business News Indonesia
AWARD NAME
GRC & Performance Excellence Award 2023
EVENT/RANGE
KB Bukopin received The Best GRC For IT/Digital
Transformation 2023
Category - Banking Industries
ORGANIZER
Business News Indonesia
30 Agustus 2023 AWARD NAME
August 30, 2023 GRC & Performance Excellence Award 2023
EVENT/RANGE
KB Bukopin received
The Best CEO For GRC Excellence 2023
The Best GRC For Corporate Governance & compliance
2023
ORGANIZER
Business News Indonesia
AWARD NAME
GRC & Performance Excellence Award 2023
EVENT/RANGE
KB Bukopin received
The Best CEO For GRC Excellence 2023
The Best GRC For Corporate Governance & compliance
2023
ORGANIZER
Business News Indonesia
18 September 2023 AWARD NAME
September 18, 2023 The 14th IICD Corporate Governance Conference And
Award
EVENT/RANGE
KB Bukopin received Top 50 mid Capitalization Public
Listed Company
ORGANIZER
Indonesian Institute for Corporate Directorship
AWARD NAME
The 14th IICD Corporate Governance Conference And
Award
EVENT/RANGE
KB Bukopin received Top 50 mid Capitalization Public
Listed Company
ORGANIZER
Indonesian Institute for Corporate Directorship
5 Desember 2023 AWARD NAME
December 5, 2023 Infobank Top CEO 2023
EVENT/RANGE
KB Bukopin received Top 100 CEO 2023 (Woo Yeul Lee)
ORGANIZER
Infobank
AWARD NAME
Infobank Top CEO 2023
EVENT/RANGE
KB Bukopin received Top 100 CEO 2023 (Woo Yeul Lee)
ORGANIZER
Infobank
PT Bank KB Bukopin Tbk Sustainability Report 2023 55
Page 56
Keanggotaan Asosiasi
[GRI 2-28][OJK C.5]
Membership in Association [GRI 2-28][OJK C.5]
PT Bank KB Bukopin Tbk bergabung dalam berbagai asosiasi PT Bank KB Bukopin Tbk joins various associations or
atau organisasi yang memiliki kesamaan usaha yaitu di bidang organizations of the same business; the banking sector. By
perbankan. Dengan demikian, Perseroan dapat mengikuti joining, the Company is able to follow developments in the latest
perkembangan isu atau topik-topik terkini, sekaligus issues or topics, as well as have the opportunity to express
berkesempatan untuk menyampaikan berbagai pendapat terkait various opinions regarding these issues or topics. associations
isu atau topik tersebut. Asosiasi atau organisasi yang diikuti or organizations that the Company participates in. in 2023
Perseroan pada tahun 2023 adalah sebagai berikut: are as follows:
Nama Organisasi Status Skala
Organization Name Status Scale
Indonesia Corporate Secretary Association (ICSA) Anggota Nasional
Member National
PERBANAS Anggota Nasional
Member National
Lembaga Penjamin Simpanan Anggota Nasional
Deposit Insurance Agency Member National
Jaringan PRIMA Anggota Nasional
PRIMA Network Member National
Asosiasi Emiten Indonesia (AEI) Anggota Nasional
Association of Indonesian Issuers (AEI) Member National
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota Nasional
Indonesian Payment Systems Association (ASPI) Member National
Lembaga Alternatif Penyelesaian Sengketa (LASP) Anggota Nasional
Alternative Dispute Resolution Institute (LASP) Member National
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Anggota Nasional
Banking Compliance Director Communication Forum (FKDKP) Member National
56 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Komitmen Penerapan Tata Kelola Commitment to Implementing Governance Tata Kelola Perusahaan yang Baik (Good Corporate Good Corporate Governance, hereinafter referred to as GCG, Governance), yang selanjutnya disebut GCG, merupakan is the foundation for PT Bank KB Bukopin Tbk in running its pondasi bagi PT Bank KB Bukopin Tbk dalam menjalankan business. By implementing GCG completely in all lines, the usaha. Dengan penerapan GCG secara paripurna di semua lini, Company’s operations are ensured to be on the right track, maka jalannya Perseroan dipastikan berada pada jalur yang while reducing the risk of mismanagement. Implementing benar (on the right track), sekaligus mengurangi risiko terjadinya GCG will also make business entities more efficient in carrying mismanajemen. Implementasi GCG juga akan membuat entitas out business operations, as well as being able to measure bisnis lebih efisien dalam menjalankan operasional usaha, serta management performance targets. mampu mengukur target kinerja manajemen. Terkhusus bagi lembaga jasa keuangan, sekaligus perusahaan Especially for financial service institutions, as well as public publik seperti PT Bank KB Bukopin Tbk, penerapan GCG companies such as PT Bank KB Bukopin Tbk, implementing akan meningkatkan kepercayaan publik, terutama pemegang GCG will increase public confidence, especially shareholders, saham, bahwa investasi mereka dikelola dengan baik dan that their investments are managed well and safely. With aman. Dengan pengelolaan perusahaan yang baik, dua good company management, the two benefits that investors keuntungan yang lazim diharapkan investor, yaitu dividen commonly hope for, namely dividends and capital gains, can dan capital gain, bisa terwujud. Dividen adalah bagian laba be realized. Dividends are a portion of a company’s profits or atau pendapatan perusahaan yang besarnya ditetapkan oleh income whose amount is determined by the Board of Directors Direksi serta disahkan oleh rapat pemegang saham untuk and approved by a shareholder meeting to be distributed dibagikan kepada para pemegang saham. Adapun capital gain to shareholders. Capital gain is the difference between the adalah selisih antara harga beli dan harga jual saham. Capital purchase price and the sale price of shares. Capital gains are gain terbentuk dengan adanya aktivitas perdagangan saham formed by stock trading activities in the secondary market. di pasar sekunder. Bercermin pada banyaknya manfaat di atas, penerapan GCG di Reflecting on the many benefits above, implementing GCG at PT PT Bank KB Bukopin Tbk merupakan sebuah kewajiban, tidak Bank KB Bukopin Tbk is an obligation, not just compliance with sekadar kepatuhan terhadap regulasi. Perseroan meyakini regulations. The Company believes that the implementation of penerapan GCG akan membuat PT Bank KB Bukopin Tbk GCG will make PT Bank KB Bukopin Tbk have the strength and mempunyai kekuatan dan kemampuan dalam menciptakan ability to create growth and improve performance to realize pertumbuhan dan meningkatkan kinerja untuk mewujudkan the business targets that have been set. target bisnis yang telah ditetapkan. Lebih lanjut, untuk mendapatkan hasil terbaik, PT Bank KB Furthermore, to achieve the best results, PT Bank KB Bukopin Bukopin Tbk senantiasa mengikuti perkembangan terkini Tbk continues to follow the latest GCG developments, and is tentang GCG, serta berkomitmen untuk menyempurnakan committed to perfecting its implementation of GCG principles. penerapan prinsip-prinsip GCG. Untuk itu, dukungan dari For this reason, support from shareholders and stakeholders, pemegang saham (shareholder) maupun para pemangku both internal and external, is crucially needed. By continually kepentingan (stakeholder), baik internal maupun eksternal, refining the implementation of GCG (Good Corporate sangat dibutuhkan. Dengan semakin sempurnanya penerapan Governance) principles, the Bank’s performance will enhance, prinsip-prinsip GCG, maka kinerja Bank akan meningkat, enabling it to address the challenges of the times and succeed mampu menjawab tantangan zaman, serta mampu memenangi in increasingly fierce competition. persaingan yang kian ketat. 58 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Prinsip Tata Kelola Perusahaan
Principles of Corporate Governance
PT Bank KB Bukopin Tbk berkomitmen menerapkan GCG di PT Bank KB Bukopin Tbk is committed to implementing GCG
setiap jenjang organisasi dan kegiatan operasional. Komitmen at every level of the organization and operational activities.
itu diambil agar tujuan penerapan Perseroan yang telah This commitment is taken so that the Company can optimally
ditetapkan Perseroan dapat diwujudkan secara optimal. Selain actualize the implementation objectives that have been set.
mendasarkan diri pada peraturan perundang-undangan yang Apart from being based on generally applicable laws and
berlaku secara umum, penerapan GCG di PT Bank KB Bukopin regulations, the implementation of GCG at PT Bank KB Bukopin
Tbk secara khusus berpedoman kepada Peraturan Otoritas Tbk is specifically guided by Financial Services Authority
Jasa Keuangan No. 55/POJK.03/2016 Tanggal 7 Desember Regulation No. 55/POJK.03/2016 Dated 7 December 2016
2016 Tentang Penerapan Tata Kelola Bagi Bank Umum, dimana concerning the Implementation of Governance for Commercial
tata kelola yang baik adalah suatu cara pengelolaan yang Banks, where good governance is a way of management
menerapkan prinsip-prinsip Keterbukaan (Transparency), that applies the principles of Transparency, Accountability,
Akuntabilitas (Accountability), Pertanggungjawaban Responsibility, Independency and Fairness.
(Responsibility), Independen (Independency) dan Kewajaran
(Fairness).
Selanjutnya, PT Bank KB Bukopin Tbk juga merujuk pembaruan Furthermore, PT Bank KB Bukopin Tbk also referring to the
yang dilakukan Komite Nasional Kebijakan Governance (KNKG) updates carried out by the National Committee for Governance
melalui penerbitan Pedoman Umum Governansi Korporat Policy (KNKG) through the publication of General Guidelines
Indonesia (PUG-KI) di mana prinsip-prinsip di dalamnya for Indonesian Corporate Governance (PUG-KI) where the
dijiwai oleh empat pilar governansi korporat yaitu: perilaku principles in it are imbued with the four pillars of corporate
beretika, akuntabilitas, transparansi, dan keberlanjutan, yang governance, which are ethical behavior, accountability,
pertama kali diperkenalkan dalam PUGKI 2021 dan merupakan transparency, and sustainability, which was first introduced
pengembangan sesuai dengan perkembangan terkini dari in PUGKI 2021 and is a development in accordance with the
nilai dasar TARIF (Transparansi, Akuntabilitas, Responsibilitas, latest developments of the basic values of TARIF (Transparency,
Independensi, dan Fairness) yang terakhir digunakan pada Accountability, Responsibility, Independence and Fairness)
PUGKI 2019. Keempat prinsip dasar PUGKI 2021 selengkapnya which were last used in PUGKI 2019. The four basic principles
adalah sebagai berikut: of PUGKI 2021 in full are as follows:
• Perilaku Beretika • Ethical Behavior
Dalam melaksanakan kegiatannya, korporasi senantiasa In carrying out its activities, the corporation always
mengedepankan kejujuran, memperlakukan semua prioritizes honesty, treats all parties with respect, fulfills
pihak dengan hormat (respect), memenuhi komitmen, commitments, builds and maintains moral values and trust
membangun serta menjaga nilai-nilai moral dan kepercayaan consistently. Corporations pay attention to the interests of
secara konsisten. Korporasi memperhatikan kepentingan shareholders and other stakeholders based on the principles
pemegang saham dan pemangku kepentingan lainnya of fairness and equality and are managed independently
berdasarkan asas kewajaran dan kesetaraan (fairness) so that each corporate organ does not dominate the other
dan dikelola secara independen sehingga masing-masing and cannot be intervened by other parties.
organ perusahaan tidak saling mendominasi dan tidak
dapat diintervensi oleh pihak lain.
• Akuntabilitas • Accountability
Korporasi dapat mempertanggungjawabkan kinerjanya Corporations can be accountable for their performance
secara transparan dan wajar. Untuk itu Korporasi harus transparently and fairly. For this reason, corporations must
dikelola secara benar, terukur dan sesuai dengan be managed correctly, measurably and in accordance
kepentingan korporat dengan tetap memperhitungkan with corporate interests while still taking into account the
kepentingan pemegang saham dan pemangku kepentingan. interests of shareholders and stakeholders. Accountability
Akuntabilitas merupakan prasyarat yang diperlukan untuk is a necessary prerequisite for achieving sustainable
mencapai kinerja yang berkelanjutan. performance.
• Transparansi • Transparency
Untuk menjaga obyektivitas dalam menjalankan bisnis, To maintain objectivity in running business, corporations
korporasi menyediakan informasi yang material dan relevan provide material and relevant information in a way that
dengan cara yang mudah diakses dan dipahami oleh is easily accessible and understood by stakeholders.
pemangku kepentingan. Korporasi mengambil inisiatif untuk Corporations take the initiative to disclose not only issues
mengungkapkan tidak hanya masalah yang disyaratkan required by statutory regulations, but also matters that are
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oleh peraturan perundang-undangan, tetapi juga hal yang important for decision making by shareholders, creditors
penting untuk pengambilan keputusan oleh pemegang and other stakeholders.
saham, kreditur dan pemangku kepentingan lainnya.
• Keberlanjutan • Continuity
Korporasi mematuhi peraturan perundang-undangan The corporation complies with statutory regulations and
serta berkomitmen melaksanakan tanggung jawab is committed to carrying out its responsibilities towards
terhadap masyarakat dan lingkungan agar berkontribusi society and the environment in order to contribute to
pada pembangunan berkelanjutan melalui kerjasama sustainable development by collaborating with all relevant
dengan semua pemangku kepentingan terkait untuk stakeholders to improve their lives in a way that is in line
meningkatkan kehidupan mereka dengan cara yang selaras with business interests and the sustainable development
dengan kepentingan bisnis dan agenda pembangunan agenda.
berkelanjutan.
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Struktur Dan Komposisi
Tata Kelola [GRI 2-9]
Governance Structure and Composition [GRI 2-9]
Struktur tata kelola PT Bank KB Bukopin Tbk merujuk pada The governance structure of PT Bank KB Bukopin Tbk refers
Undang-Undang Republik Indonesia No. 40 tahun 2007 tentang to Law of the Republic of Indonesia no. 40 of 2007 concerning
Perseroan Terbatas (UU PT), Bab I mengenai Ketentuan Umum, Limited Liability Companies (UU PT), Chapter I concerning General
pasal 1, yang menyebutkan bahwa Organ Perusahaan terdiri dari Provisions, article 1, which states that the Company Organs
Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris, dan consist of the General Meeting of Shareholders (GMS), Board
Direksi. Selanjutnya, sesuai dengan Anggaran Dasar Perusahaan, of Commissioners and Directors. Furthermore, in accordance with
sistem kepengurusannya menganut sistem dua badan (two the Company’s Articles of Association, the management system
tier system), yaitu Dewan Komisaris dan Direksi yang memiliki adheres to a two-tier system, namely the Board of Commissioners
wewenang dan tanggung jawab yang jelas sesuai fungsinya and Directors who have clear authority and responsibilities
masing-masing sebagaimana diamanatkan dalam Anggaran Dasar according to their respective functions as mandated in the Articles
dan peraturan perundang-undangan. Di PT Bank KB Bukopin of Association and statutory regulations. At PT Bank KB Bukopin
Tbk, Direksi sekaligus merupakan eksekutif senior yang dipilih Tbk, the Board of Directors is also a senior executive who is
langsung oleh pemegang saham dan memikul tanggung jawab directly elected by shareholders and bears responsibility for the
terhadap jalannya perusahaan secara keseluruhan.[GRI 2-11] running of the company as a whole.[GRI 2-11]
Untuk menopang agar fungsi pengawasan yang dijalankan lebih To ensure that the supervisory function is carried out more
optimal, Dewan Komisaris dibantu oleh organ pendukung berupa optimally, the Board of Commissioners is assisted by supporting
berupa Komite Audit, Komite Pemantau Risiko, Komite Remunerasi organs in the form of the Audit Committee, Risk Monitoring
& Nominasi, dan Komite Tata Kelola Terintegrasi. Di sisi lain, selain Committee, Remuneration & Nomination Committee, and
Sekretaris Perusahaan dan Audit Internal (SKAI), Direksi dibantu Integrated Governance Committee. On the other hand, apart
Organ Pendukung berupa Komite Manajemen Risiko, Komite from the Corporate Secretary and Internal Audit (SKAI), the Board
Manajemen Risiko Terintegrasi, Komite Support Manajemen Risiko, of Directors is assisted by supporting organs in the form of the
Komite Aset dan Liabilitas (ALCO), Komite Pengarah Teknologi Risk Management Committee, Integrated Risk Management
Informasi, Komite Restrukturisasi Kredit, Komite Kredit, dan Committee, Risk Management Support Committee, Assets and
Komite Penyelesaian Kredit Bermasalah. Di antara komite yang Liabilities Committee (ALCO), Information Technology Steering
ada, Perseroan belum menentukan secara spesifik komite yang Committee, Credit Restructuring Committee, Credit Committee,
bertanggung jawab untuk mengambil keputusan mengenai topik- and Non-Performing Loan Settlement Committee. Among the
topik ekonomi, lingkungan, dan sosial. Namun demikian, Perseroan existing committees, the Company has not specifically determined
telah memiliki Unit Kerja Environmental Social and Governance which committee is responsible for making decisions regarding
(ESG) yang bertanggungjawab terhadap perencanaan dan economic, environmental and social topics. However, the Company
implementasi ESG di KB Bukopin. [GRI 2-13] has an Environmental Social and Governance (ESG) Work Unit
which is responsible for planning and implementing ESG at KB
Bukopin. [GRI 2-13]
Struktur Tata Kelola PT Bank KB Bukopin Tbk Tahun 2023
The 2023 PT Bank KB Bukopin Tbk Governance Structure
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioner Board of Directors
• Komite Audit • Komite Manajemen Risiko Business
• Komite Pemantau Risiko • Komite Manajemen Risiko Terintegrasi Unit
• Komite Support Manajemen Risiko
• Komite Remunerasi &
• Komite Aset dan Liabilitas (ALCO)
Nominasi • Komite Pengarah Teknologi Informasi
• Komite Tata Kelola • Komite Restrukturisasi Kredit
Terintegrasi • Komite Kredit
• Audit Committee • Komite Penyelesaian Kredit Bermasalah
• Risk Monitoring Committee • Risk Management Committee
• Integrated Risk Management Committee
• Remuneration &
• Risk Management Support Committee
Nomination Committee • Assets and Liabilities Committee (ALCO)
• Integrated Governance • Information Technology Steering Committee
Committee • Credit Restructuring Committee
• Credit Committee
• Non-Performing Loan Settlement Committee
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Dalam struktur tata kelola, PT Bank KB Bukopin Tbk telah In the governance structure, PT Bank KB Bukopin Tbk menunjuk salah satu Direksi yaitu Direktur Kepatuhan dan Risiko has appointed one of the Directors, namely the Director sebagai penanggung jawab dalam penerapan GCG yang dalam of Compliance and Risk, as the person responsible for pelaksanaannya dijalankan oleh Compliance Policy & GCG implementing GCG, which is carried out by the Compliance Department sebagaimana tercantum dalam Surat Keputusan Policy & GCG Department as stated in Board of Directors’ Direksi No. 110 tanggal 30 September 2022 tentang Struktur Decree No. 110 dated 30 September 2022 concerning the Organisasi PT Bank KB Bukopin Tbk. Organizational Structure of PT Bank KB Bukopin Tbk. Penanggung Jawab Penerapan Keuangan Berkelanjutan [GRI 2-12] Responsible for Implementing Sustainable Finance [GRI 2-12] Dalam statusnya sebagai lembaga jasa keuangan/perbankan, In its status as a financial/banking services institution, as well sekaligus perusahaan terbuka, PT Bank KB Bukopin Tbk as a public company, PT Bank KB Bukopin Tbk is obliged to wajib menerapkan Peraturan Otoritas Jasa Keuangan No.51/ implement Financial Services Authority Regulation No.51/ POJK.03/2017 tentang Penerapan Laporan Keuangan POJK.03/2017 concerning the Implementation of Sustainable Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan Financial Reports for Financial Services Institutions, Issuers and Perusahaan Publik atau POJK Keuangan Berkelanjutan. Public Companies or POJK Sustainable Finance. As stated in Sebagaimana disampaikan dalam Lampiran II, terdapat Appendix II, there is a clause regarding the need for employees, klausul tentang perlu adanya pegawai, pejabat dan/atau unit officials and/or work units who are responsible for implementing kerja yang menjadi penanggung jawab penerapan keuangan sustainable finance. In compliance with these regulations, the berkelanjutan. Sebagai kepatuhan terhadap peraturan tersebut, Company appointed the Environmental, Social and Governance Perseroan menetapkan Unit Kerja Environmental, Social, and (ESG) Work Unit as the person responsible for implementing Governance (ESG) sebagai penanggung jawab penerapan sustainable finance at KB Bukopin. [OJK E.1] keuangan berkelanjutan di KB Bukopin. [OJK E.1] Rapat Umum Pemegang Saham General Meeting of Shareholders Rapat Umum Pemegang Saham (RUPS) merupakan Organ The General Meeting of Shareholders (GMS) is a Company Perseroan yang memiliki kewenangan yang tidak diberikan Organ that has authority that is not granted to the Board of kepada Dewan Komisaris dan Direksi dalam batas yang Commissioners and Directors within the limits determined by ditentukan oleh Anggaran Dasar dan peraturan perundang- the Articles of Association and applicable laws and regulations. undangan yang berlaku. RUPS berfungsi sebagai sarana bagi The GMS functions as a means for Shareholders to direct the Pemegang Saham dalam mengarahkan jalannya Perseroan. running of the Company. The GMS is also a forum where the RUPS juga merupakan forum dimana Dewan Komisaris Board of Commissioners and Directors report and account dan Direksi melaporkan dan mempertanggungjawabkan for the implementation of their duties and responsibilities to pelaksanaan tugas dan tanggung jawabnya kepada Pemegang Shareholders. Saham. RUPS merupakan sarana bagi Dewan Komisaris dan Direksi The GMS is a means for the Board of Commissioners and dalam berhubungan dengan Pemegang Saham untuk Directors in dealing with Shareholders to take strategic decisions mengambil keputusan-keputusan strategis dalam menentukan in determining the direction, targets and achievements of arah, sasaran dan pencapaian Perseroan serta hal-hal the Company as well as other strategic matters taken by the strategis lainnya yang diambil oleh Perseroan serta sebagai Company as well as a forum where the Board of Commissioners forum dimana Dewan Komisaris dan Direksi melaporkan dan and Directors report and account for the implementation of mempertanggungjawabkan pelaksanaan tugas dan tanggung their duties. and its responsibilities to Shareholders. jawabnya kepada Pemegang Saham. 62 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Sesuai dengan Anggaran Dasar pada Bagian RUPS disebutkan In accordance with the Articles of Association in the GMS
bahwa RUPS Perseroan terdiri dari 2 yaitu: Section, it is stated that the Company’s GMS consists of 2,
namely:
1. RUPS Tahunan 1. Annual GMS
RUPS ini dilaksanakan paling lambat 6 (enam) bulan setelah This GMS is held no later than 6 (six) months after the end
berakhirnya tahun buku. Agenda utama RUPS Tahunan of the financial year. The main agenda of the Annual GMS
terdiri dari pengajuan Laporan Keuangan dan Laporan consists of submitting the Financial Report and Annual
Tahunan dari Direksi untuk disahkan dan disetujui oleh Report from the Board of Directors to be ratified and
Pemegang Saham, melakukan penunjukan Kantor Akuntan approved by Shareholders, appointing a Public Accounting
Publik untuk tahun depan, memutuskan penggunaan laba, Firm for next year, deciding on the use of profits, appointing
mengangkat atau memberhentikan anggota Direksi atau or dismissing members of the Board of Directors or
anggota Dewan Komisaris dan memutuskan hal-hal lain members of the Board of Commissioners and deciding
yang diperlukan. other matters. required.
2. RUPS Luar Biasa 2. Extraordinary GMS
Pelaksanaan RUPS Luar biasa dapat diselenggarakan An Extraordinary GMS can be held at any time according
kapan saja sesuai keperluan Perseroan oleh Direksi ataupun to the Company’s needs by the Board of Directors or Board
Dewan Komisaris, atas permintaan dari Pemegang Saham. of Commissioners, at the request of the Shareholders.
Pada tahun 2023, Perseroan telah melaksanakan RUPS In 2023, the Company has implemented a GMS with reference
dengan mengacu pada Anggaran Dasar Perseroan, dimulai to the Company’s Articles of Association, starting from the
dari pengumuman, panggilan dan pelaksanaannya termasuk announcement, summons and implementation including
mempublikasikan terkait pelaksanaan dan hasil RUPS yang publishing the implementation and results of the GMS which
dapat diakses oleh publik dengan mudah. Selama tahun 2023, can be easily accessed by the public. During 2023, KB Bukopin
KB Bukopin melaksanakan RUPS Tahunan pada tanggal will hold an Annual GMS on
Jenis RUPS Waktu dan Tempat
GMS Type Time and Place
RUPS Tahunan Jumat, 30 Juni 2023, pukul 09.30-selesai, di Auditorium Gedung Bank KB Bukopin lantai 3 Jalan MT. Haryono
Annual GMS Kav. 50-51 Jakarta Selatan 12770
Friday, 30 June 2023, 09.30- finished, at the Auditorium of KB Bukopin Bank Building 3rd floor, Jalan MT.
Haryono Kav. 50-51 South Jakarta 12770
RUPS Luar Biasa Selasa, 31 Januari 2023, pukul 09.30-selesai, di Auditorium Gedung Bank KB Bukopin lantai 3 Jalan MT.
Extraordinary GMS Haryono Kav. 50-51 Jakarta Selatan 12770
Tuesday, January 31 2023, 09.30 until finish, at the KB Bukopin Bank Building Auditorium, 3rd floor, Jalan MT.
Haryono Kav. 50-51 South Jakarta 12770
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Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan organ Perseroan yang bertugas The Board of Commissioners is an organ of the Company
dan bertanggung jawab secara kolektif untuk melakukan which is tasked and collectively responsible for supervising
pengawasan dan memberikan nasihat kepada Direksi and providing advice to the Board of Directors and ensuring
serta memastikan jalannya Perseroan dilaksanakan secara that the running of the Company is carried out effectively
efektif dan terkendali pada seluruh tingkatan atau jenjang and under control at all levels or levels of the organization.
organisasi. Dewan Komisaris diangkat dan diberhentikan The Board of Commissioners is appointed and dismissed
oleh RUPS, pengangkatan anggota Dewan Komisaris melalui by the GMS, the appointment of members of the Board of
mekanisme fit and proper test berdasarkan kualifikasi yang Commissioners is through a fit and proper test mechanism
telah ditentukan serta memenuhi ketentuan Anggaran Dasar, based on predetermined qualifications and meets the provisions
Undang- undang Perseroan Terbatas dan berdasarkan pada of the Articles of Association, the Limited Liability Company
prinsip-prinsip profesionalisme dan tata kelola perusahaan Law and is based on the principles of professionalism and
yang baik. Dewan Komisaris bertanggung jawab kepada good corporate governance. The Board of Commissioners is
RUPS, Pertanggungjawaban Dewan Komisaris kepada RUPS responsible to the GMS. The accountability of the Board of
merupakan perwujudan akuntabilitas pengawasan atas Commissioners to the GMS is a manifestation of supervisory
pengelolaan Perseroan dalam rangka pelaksanaan prinsip- accountability over the management of the Company in the
prinsip GCG. context of implementing GCG principles.
Susunan dan komposisi Dewan Komisaris per 31 Desember The composition and composition of the Board of
2023 adalah sebagai berikut : Commissioners as of 31 December 2023 is as follows:
Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Appointment Period
Jerry Marmen Komisaris Utama RUPS Luar Biasa 19 November 2021 2021-RUPS Tahunan Tahun Buku
President Extraordinary GMS 19 November 2021 2023
Commissioner 2021-Annual GMS for Fiscal Year
2023
Hae Nam Hoon Cho *) Wakil Komisaris Utama RUPS Luar Biasa 19 November 2021 2021-RUPS Tahunan Tahun Buku
Vice President Extraordinary GMS 19 November 2021 2023
Commissioner 2021-Annual GMS for Fiscal Year
2023
Stephen Liestyo Komisaris Independen RUPS Tahunan 17 Juni 2021 2021-RUPS Tahunan Tahun Buku
Independent Annual GMS 17 June 2021 2023
Commissioner 2021-Annual GMS for Fiscal Year
2023
Nanang Supriyatno Komisaris RUPS Luar Biasa 25 Agustus 2020 2020-RUPS Tahunan Tahun Buku
Commissioner Extraordinary GMS 25 August 2020 2024
2020-Annual GMS for Fiscal Year
2024
Sukriansyah Latief Komisaris Independen RUPS Luar Biasa 19 November 2021 2021-RUPS Tahunan Tahun Buku
Independent Extraordinary GMS 19 November 2021 2023
Commissioner 2021-Annual GMS for Fiscal Year
2023
Hae Wang Lee Komisaris Independen RUPS Luar Biasa 25 Agustus 2020 2020-RUPS Tahunan Tahun Buku
Independent Extraordinary GMS 25 August 2020 2024
Commissioner 2020-Annual GMS for Fiscal Year
2024
Tippy Joesoef Komisaris Independen RUPS Luar Biasa 22 Desember 2020 2020-RUPS Tahunan Tahun Buku
Independent Extraordinary GMS 22 December 2020 2024
Commissioner 2020-Annual GMS for Fiscal Year
2024
Eugene K. Galbraith Komisaris Independen RUPS Luar Biasa 19 November 2021 2021-RUPS Tahunan Tahun Buku
Independent Extraordinary GMS 19 November 2021 2023
Commissioner 2021-Annual GMS for Fiscal Year
2023
*)mengundurkan diri per 29 Desember 2023
*)resigned as of 29 December 2023
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Direksi
Directors
Direksi adalah Organ Perseroan yang bertanggung jawab atas The Board of Directors is a Company Organ that is responsible
pengurusan perusahaan untuk kepentingan Perseroan, sesuai for managing the company for the interests of the Company,
dengan maksud dan tujuan Perseroan serta mewakili Perseroan, in accordance with the Company’s aims and objectives
baik di dalam maupun di luar pengadilan sesuai dengan and representing the Company, both inside and outside
ketentuan Anggaran Dasar. Direksi diangkat dan diberhentikan the court in accordance with the provisions of the Articles
oleh RUPS, pengangkatan anggota Direksi melalui mekanisme of Association. Directors are appointed and dismissed by
fit and proper test berdasarkan kualifikasi yang telah ditentukan the GMS, the appointment of members of the Board of
serta memenuhi ketentuan Anggaran Dasar dan Undang- Directors is through a fit and proper test mechanism based
Undang Perseroan Terbatas dan berdasarkan pada prinsip- on predetermined qualifications and meets the provisions of
prinsip profesionalisme dan tata kelola perusahaan yang baik. the Articles of Association and the Limited Liability Company
Direksi bertanggung jawab kepada RUPS, pertanggungjawaban Law and is based on the principles of professionalism and good
Direksi kepada RUPS merupakan perwujudan akuntabilitas corporate governance. The Board of Directors is responsible
atas pelaksanaan tugas dan pengelolaan Perseroan dalam to the GMS, the Directors’ accountability to the GMS is a
rangka pelaksanaan prinsip-prinsip GCG serta sejauh mana manifestation of accountability for the implementation of the
pencapaian kinerja Perseroan sesuai dengan sasaran yang duties and management of the Company in the context of
telah digariskan. implementing GCG principles and the extent to which the
Company’s performance is achieved in accordance with the
targets outlined.
Sebagaimana disampaikan selengkapnya dalam Laporan As stated in full in the Company’s Annual Report, during 2023
Tahunan Perseroan, selama tahun 2023 terdapat susunan dan there will be a composition and composition of the Board of
komposisi Direksi KB Bukopin. Adapun susunan dan komposisi Directors of KB Bukopin. The composition and composition of
Direksi per 31 Desember 2023 adalah sebagai berikut: the Board of Directors as of 31 December 2023 is as follows:
Nama Jabatan Dasar Pengangkatan Periode
Name Position Basis of Apppointment Periode
Woo Yeul Lee Direktur Utama RUPS Luar Biasa 19 November 2021 2021-RUPS Tahun 2024
President Director Extraordinary GMS 19 November 2021 2021- GMS Year 2024
Robby Mondong Wakil Direktur Utama RUPS Luar Biasa 8 Juli 2021 2021-RUPS Tahun 2024
Vice President Director Extraordinary GMS 8 July 2021 2021- GMS Year 2024
Helmi Fahrudin Direktur RUPS Luar Biasa 25 Agustus 2020 2020-RUPS Tahun 2024
Director Extraordinary GMS 25 August 2020 2020- GMS Year 2024
Dodi Widjajanto Direktur RUPS Luar Biasa 25 Agustus 2020 2020-RUPS Tahun 2024
Director Extraordinary GMS 25 August 2020 2020- GMS Year 2024
Seng Hyup Shin Direktur RUPS Luar Biasa 19 November 2021 2021-RUPS Tahun 2024
Director Extraordinary GMS 19 November 2021 2021- GMS Year 2024
Yohanes Suhardi Direktur RUPS Luar Biasa 8 Juli 2021 2021-RUPS Tahun 2024
Director Extraordinary GMS 8 July 2021 2021- GMS Year 2024
Young Eun Moon Direktur RUPS Luar Biasa 8 Desember 2021 2022-RUPS Tahun 2025
Director Extraordinary GMS 8 December 2021 2022- GMS Year 2025
Henry Sawali Direktur RUPS Luar Biasa 8 Desember 2021 2022-RUPS Tahun 2025
Director Extraordinary GMS 8 December 2021 2022- GMS Year 2025
Jung Ho Han Direktur RUPS Luar Biasa 31 Januari 2023 2023-RUPS Tahunan
Director Extraordinary GMS on January 31, 2023 Tahun Buku 2025
2023- Annual GMS for
Fiscal Year 2025
PT Bank KB Bukopin Tbk Sustainability Report 2023 65
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Peran Direksi dalam Pelaporan
Keberlanjutan [GRI 2-14]
The Role of the Board of Directors in Sustainability
Reporting [GRI 2-14]
PT Bank KB Bukopin Tbk wajib menerapkan keuangan PT Bank KB Bukopin Tbk is obliged to implement sustainable
berkelanjutan yang laporannya disampaikan melalui pelaporan finance, the reports of which are submitted through
keberlanjutan seperti diamanatkan dalam POJK Keuangan sustainability reporting as mandated in the Sustainable
Berkelanjutan. Dengan demikian, sebagai salah satu lembaga Finance POJK. Thus, as a financial services institution as well
jasa keuangan sekaligus perusahaan publik, penyampaian as a public company, submitting sustainability reports is an
laporan keberlanjutan merupakan keharusan bagi Perseroan. obligation for the Company. In this regard, apart from providing
Berkaitan dengan hal ini, selain memberikan persetujuan atas approval for selected material topics, the Board of Directors
topik material terpilih, Direksi senantiasa mendorong agar always encourages the sustainability reports published by PT
laporan keberlanjutan yang diterbitkan PT Bank KB Bukopin Bank KB Bukopin Tbk to continue to improve the quality and
Tbk terus ditingkatkan kualitas dan kelengkapan kontennya completeness of the content so that they meet the report
agar memenuhi panduan penyusunan laporan yaitu POJK preparation guidelines, namely POJK Sustainable Finance and
Keuangan Berkelanjutan dan GRI Universal Standards 2021. GRI Universal Standards 2021.
Pengembangan Kompetensi Terkait
Keuangan Berkelanjutan
[GRI 2-17][OJK E.2]
Competency Development Related to Sustainable Finance
[GRI 2-17][OJK E.2]
Selama tahun 2023, Dewan Komisaris, Direksi, serta Unit During 2023, the Board of Commissioners, Directors, and the
Kerja Environmental, Social, and Governance (ESG) sebagai Environmental, Social, and Governance (ESG) Work Unit as
penanggung jawab penerapan keuangan keberlanjutan telah those responsible for implementing sustainable finance have
mengikuti pengembangan kompetensi terkait keuangan/ participated in competency development related to sustainable
kegiatan berkelanjutan sebagaimana tabel berikut: finance/activities as shown in the following table:
Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Dewan Komisaris
Board of Commissioner
Tippy Joesoef Technical KICK OFF SHINE PROJECT (IT SKILL) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Technical FUN WALK KB BUKOPIN Jakarta, 11/03/2023 Internal House (Diklat)
Competency (SELF DEVELOPMENT SKILL) Jakarta, March 11, 2023 / In-House (Training)
FUN WALK KB BUKOPIN
(SELF DEVELOPMENT SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Technical WORKSHOP SKAI (RKA) AUDIT SKILL Jakarta,10/11/2023 Internal House (Diklat)
Competency SKAI WORKSHOP (RKA) AUDIT SKILL Jakarta, November 10, / In-House (Training)
2023
66 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Hae Wang Lee Technical KICK OFF SHINE PROJECT (IT SKILL) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION (BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
(BUSINESS DEVELOPMENT SKILL) WORKSHOP
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Stephen Liestyo Technical KICK OFF SHINE PROJECT(IT SKILL ) Jakarta, 22/02/2023 DXC
Competency. KICK OFF SHINE PROJECT(IT SKILL ) Jakarta, February 22, 2023
Technical WKS PROFILE&ORGANIZATION SKAI(AUDIT SKILL ) Jakarta, 21/03/2023 Internal House (Diklat)
Competency WKS PROFILE&ORGANIZATION SKAI(AUDIT SKILL) Jakarta, March 21 2023 / In-House (Training)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Technical WEBINAR FKDKP(COMPLIANCE SKILL) Jakarta, 10/10/2023 FKDKP
Competency FKDKP WEBINAR (COMPLIANCE SKILL) Jakarta, October 10, 2023
Technical WORKSHOP SKAI (RKA) (AUDIT SKILL) Jakarta,10/11/2023 Internal House (Diklat)
Competency SKAI WORKSHOP (RKA) (AUDIT SKILL) Jakarta, November 10, / In-House (Training)
2023
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Nanang Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Supriyatno Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Eugene K Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Galbraith Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Jerry Marmen Technical KICK OFF SHINE PROJECT (IT SKILL) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Technical WKS PROFILE&ORGANIZATION SKAI (AUDIT Jakarta, 21/03/2023 Internal House (Diklat)
Competency SKILL) Jakarta,March 21, 2023 / In-House (Training)
WKS PROFILE&ORGANIZATION SKAI (AUDIT SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
PT Bank KB Bukopin Tbk Sustainability Report 2023 67
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Technical WEBINAR FKDKP (COMPLIANCE SKILL) Jakarta, 10/10/2023 FKDKP
Competency FKDKP WEBINAR (COMPLIANCE SKILL) Jakarta, October 10, 2023
Managerial WORKSHOP BOARD OF Jakarta,8/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Nam Hoon Cho Technical KICK OFF SHINE PROJECT (IT SKILL) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Managerial WORKSHOP BOARD OF Jakarta,08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Sukriansyah Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Technical WEBINAR FKDKP (COMPLIANCE SKILL) Jakarta, 10/10/2023 FKDKP
Competency FKDKP WEBINAR (COMPLIANCE SKILL) Jakarta, October 10, 2023
Managerial WORKSHOP BOARD OF Jakarta,8/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Direksi
Board of Directors
Dodi Widjajanto Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Technical WEBINAR FKDKP(COMPLIANCE SKILL) Jakarta, 10/10/2023 FKDKP
Competency FKDKP WEBINAR (COMPLIANCE SKILL) Jakarta, October 10, 2023
Technical WORKSHOP FGD – SME(CREDIT SKILL ) Jakarta, 20/10/2023 Internal House (Diklat)
Competency FGD WORKSHOP – SME (CREDIT SKILL) Jakarta, October 20, 2023 / In-House (Training)
Han Jung Ho Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Certification SMR LV V DIR (PEMBEKALAN)( RISK Jakarta, 21/02/2023 BSMR
Competency MANAGEMENT SKILL) Jakarta, February 21, 2023
SMR LV V DIR (DELIVERY)( RISK MANAGEMENT
SKILL)
Certification SMR LV V DIR (UJIAN) )( RISK MANAGEMENT Jakarta, 24/02/2023 BSMR
Competency SKILL) Jakarta, February 24, 2023
SMR LV V DIR (TEST) )( RISK MANAGEMENT SKILL)
Soft Competency KURSUS B. INDONESIA(SELF DEVELOPMENT Jakarta, 1-31/02/2023 Bintera Global
SKILL) Jakarta, February 1-31 Indonesia
COURSE B. INDONESIA (SELF DEVELOPMENT 2023
SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
68 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Han Jung Ho Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Technical WORKSHOP SERIKAT PEKERJA DG DPC(SELF Jakarta, 10/02/2023 Internal House (Diklat)
Competency DEVELOPMENT SKILL) Jakarta, February 10. 2023 / In-House (Training)
WORKSHOP UNION DG DPC(SELF DEVELOPMENT
SKILL)
Technical FUN WALK KB BUKOPIN(SELF DEVELOPMENT Jakarta, 11/03/2023 Internal House (Diklat)
Competency SKILL) Jakarta, March 11, 2023 / In-House (Training)
FUN WALK KB BUKOPIN(SELF DEVELOPMENT
SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Certification REFRESHMENT SMR LEVEL 1-5(RISK Jakarta, 04-06/09/2023 BSMR
Competency MANAGEMENT SKILL) Jakarta, September 4-6
REFRESHMENT SMR LEVEL 1-5(RISK 2023
MANAGEMENT SKILL)
Technical WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, 09/09/2023 Internal House (Diklat)
Competency WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, September 9, / In-House (Training)
2023
Technical PERPANJANGAN KEANGGOTAAN IAI(OPERATION Jakarta, 31/01/2023 Iai
Competency SKILL) Jakarta, January 31, 2023
IAI MEMBERSHIP EXTENSION (OPERATION SKILL)
Technical WORKSHOP BISNIS OPERATION & SINERGI REG I & Jakarta, 06/01/2023 Internal House (Diklat)
Competency II(OPERATION SKILL) Jakarta, January 6, 2023 / In-House (Training)
BUSINESS WORKSHOP OPERATION & SYNERGY
REG I & II (OPERATION SKILL)
Technical WORKSHOP BISNIS OPERATION & SINERGI REG Jakarta, 09/01/2023 Internal House (Diklat)
Competency IV(OPERATION SKILL) Jakarta, January 9, 2023 ) / In-House (Training)
REG IV (OPERATION SKILL) BUSINESS
OPERATIONS & SYNERGY WORKSHOP
Henry Sawali Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION (BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
(BUSINESS DEVELOPMENT SKILL) WORKSHOP
Technical WORKSHOP FGD – SME(CREDIT SKILL) Jakarta. 20/10/2023 Internal House (Diklat)
Competency FGD WORKSHOP – SME (CREDIT SKILL) Jakarta, October 20, 2023 / In-House (Training)
Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22,
2023
Robby Mondong Technical WORKSHOP STRATEGIC TH 2023 (HR SKILL) Jakarta. 01/02/2023 Internal House (Diklat)
Competency STRATEGIC WORKSHOP IN 2023 (HR SKILL) Jakarta, February 1, 2023 / In-House (Training
Technical FUN WALK KB BUKOPIN(SELF DEVELOPMENT Jakarta, 11/03/2023 Internal House (Diklat)
Competency SKILL) Jakarta, March 11, 2023 / In-House (Training)
FUN WALK KB BUKOPIN(SELF DEVELOPMENT
SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION (BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
(BUSINESS DEVELOPMENT SKILL) WORKSHOP
Technical WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, 09/09/2023 Internal House (Diklat)
Competency WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, September 9, / In-House (Training)
2023
Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
PT Bank KB Bukopin Tbk Sustainability Report 2023 69
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Technical WORKSHOP BISNIS OPERATION & SINERGI REG I & Jakarta, 06/01/2023 Internal House (Diklat)
Competency II(OPERATION SKILL) Jakarta, January 6, 2023 / In-House (Training)
BUSINESS WORKSHOP OPERATION & SYNERGY
REG I & II (OPERATION SKILL)
Technical wORKSHOP BISNIS OPERATION & SINERGI REG IV Jakarta, 09/01/2023 Internal House (Diklat)
Competency (OPERATION SKILL) Jakarta, January 9, 2023 / In-House (Training)
WORKSHOP BUSINESS OPERATIONS & SYNERGY
REG IV (OPERATION SKILL)
Shin Seng Hyup Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Woo Yeoul Lee Technical COURSE BAHASA FOR CEO(SELF DEVELOPMENT Bintera Global
Competency SKILL) Indonesia
LANGUAGE COURSE FOR CEO(SELF
DEVELOPMENT SKILL)
Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Technical WORKSHOP SERIKAT PEKERJA DG DPC(SELF Jakarta, 10/02/2023 Internal House (Diklat)
Competency DEVELOPMENT SKILL) Jakarta, February 10, 2023 / In-House (Training)
WORKSHOP UNION WITH DPC(SELF
DEVELOPMENT SKILL)
Technical WKS PROFILE&ORGANIZATION SKAI(AUDIT SKILL) Jakarta, 21/03/2023 Internal House (Diklat)
Competency WKS PROFILE & ORGANIZATION SKAI (AUDIT Jakarta, March 21, 2023 / In-House (Training)
SKILL)
Technical FUN WALK KB BUKOPIN(SELF DEVELOPMENT Jakarta, 11/03/2023 Internal House (Diklat)
Competency SKILL) Jakarta, March 11, 2023 / In-House (Training)
FUN WALK KB BUKOPIN(SELF DEVELOPMENT
SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Yohanes Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Suhardi Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Certification REFRESHMENT SMR LEVEL 1-5(RISK Jakarta, 04-06/09/2023 BSMR
Competency MANAGEMENT SKILL) Jakarta, September 4-6,
REFRESHMENT SMR LEVEL 1-5(RISK 2023
MANAGEMENT SKILL)
Technical WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, 09/09/2023 Internal House (Diklat)
Competency WORKSHOP RBB(BUSINESS DEVELOPMENT SKILL) Jakarta, September 9, / In-House (Training)
2023
Technical WORKSHOP FGD – SME(CREDIT SKILL) Jakarta. 20/10/2023 Internal House (Diklat)
Competency FGD WORKSHOP – SME (CREDIT SKILL) Jakarta, October 20, 2023 / In-House (Training)
Young Eun Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Moon Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22,
2023
Certification SMR LV V DIR (PEMBEKALAN) (RISK Jakarta, 21/02/2023 BSMR
Competency MANAGEMENT SKILL) Jakarta, February 21, 2023
SMR LV V DIR (DELIVERY) (RISK MANAGEMENT
SKILL)
70 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Certification SMR LV V DIR (UJIAN) Jakarta, 24/02/2023 BSMR
Competency SMR LV V DIR (TEST) Jakarta, February 24 2023
Soft Competency KURSUS B. INDONESIA(SELF DEVELOPMENT Jakarta, 1-31/02/2023 Bintera Global
SKILL) Jakarta, February 1-31, Indonesia
COURSE B. INDONESIA (SELF DEVELOPMENT 2023
SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Unit Kerja Environmental, Social, and Governance (ESG)
Environmental, Social, and Governance (ESG) Work Unit
Yocky Eko Technical KICK OFF SHINE PROJECT (IT SKILL ) Jakarta, 22/02/2023 DXC
Wicaksono Competency KICK OFF SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Technical WORKSHOP ANNUAL REPORT (CORSEC) (GA & Jakarta, 03-04/04/2023 INMARK
Competency ADMINISTRATION SKILL) Jakarta, April 03-04, 2023
WORKSHOP ANNUAL REPORT (CORSEC) (GA &
ADMINISTRATION SKILL)
Managerial WORKSHOP BOC DAN BOD SUSTAINABLE Jakarta,18/07/2023 Internal House (Diklat)
Competency TRANSFORMATION(BUSINESS DEVELOPMENT Jakarta, July 18, 2023 / In-House (Training)
SKILL)
BOC AND BOD SUSTAINABLE TRANSFORMATION
WORKSHOP (BUSINESS DEVELOPMENT SKILL)
Certification REFRESHMENT SMR LEVEL 1-5(RISK Jakarta, 04-06/09/2023 BSMR
Competency MANAGEMENT SKILL) Jakarta, September 4-6,
REFRESHMENT SMR LEVEL 1-5(RISK 2023
MANAGEMENT SKILL)
Technical WEBINAR FKDKP (COMPLIANCE SKILL) Jakarta, 10/10/2023 FKDKP
Competency FKDKP WEBINAR (COMPLIANCE SKILL) Jakarta, October 10, 2023
Technical TRAINING BUDGET EXPENSE PIC ALLOCATION (IT Jakarta, 26/10/2023 Internal House (Diklat)
Competency SKILL) Jakarta, October 26, 2023 / In-House (Training)
TRAINING BUDGET EXPENSE PIC ALLOCATION (IT
SKILL)
Technical TRAINING NGBS-BE BUDGET TRF & APP BATCH 2 Jakarta, 26/10/2023 Internal House (Diklat)
Competency (25OKT) (IT SKILL) Jakarta, October 26, 2023 / In-House (Training)
TRAINING NGBS-BE BUDGET TRF & APP BATCH 2
(25OKT) (IT SKILL)
Technical TRAINING ICOFR (FINANCIAL SKILL) TRAINING Jakarta, 21/11/2023 PWC, DELOITE
Competency ICOFR (FINANCIAL SKILL) Jakarta, November 21, &KOOKMIN
2023
Managerial WORKSHOP BOARD OF Jakarta, 08/11/2023 Internal House (Diklat)
Competency COMMISSIONER(BUSINESS DEVELOPMENT SKILL) Jakarta, November 8, 2023 / In-House (Training)
WORKSHOP BOARD OF
COMMISSIONER(BUSINESS DEVELOPMENT SKILL)
Technical E LEARNING ANTI FRAUD TH 2023(RISK Jakarta, 23/10/2023 - Internal House (Diklat)
Competency MANAGEMENT SKILL) 03/11/2023 / In-House (Training)
E LEARNING ANTI FRAUD IN 2023(RISK Jakarta, October 23 -
MANAGEMENT SKILL) November 3, 2023
Technical E LEARNING APU PPT TAHUN 2023(COMPLIANCE Jakarta, 23/10/2023 - Internal House (Diklat)
Competency SKILL) 03/11/2023 / In-House (Training)
E LEARNING APU PPT YEAR 2023(COMPLIANCE Jakarta, October 23 -
SKILL) November 3, 2023
Dermanto Technical TRAINING INDUCTION BATCH 3(INDUCTION,APU Jakarta, 28/08/2023 - Internal House (Diklat)
Siboro Competency PPT & ANTI FRAUD 03/09/2023 / In-House (Training)
TRAINING INDUCTION BATCH 3 (INDUCTION, APU Jakarta, August 28-
PPT & ANTI FRAUD September 3, 2023
Technical SHARING SESSION SKAI OCTOBER(AUDIT SKILL) Jakarta, 06/10/2023 Internal House (Diklat)
Competency. SHARING SESSION SKAI OCTOBER (AUDIT SKILL) Jakarta, October 6, 2023 / In-House (Training)
PT Bank KB Bukopin Tbk Sustainability Report 2023 71
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Technical E LEARNING ANTI FRAUD TH 2023(RISK Jakarta, 23/10/2023 - Internal House (Diklat)
Competency MANAGEMENT SKILL) 03/11/2023 / In-House (Training)
E LEARNING ANTI FRAUD TH 2023(RISK Jakarta, October 23 -
MANAGEMENT SKILL) November 3, 2023
Technical E LEARNING APU PPT TAHUN 2023(COMPLIANCE Jakarta, 23/10/2023 - Internal House (Diklat)
Competency SKILL) 03/11/2023 / In-House (Training)
E LEARNING APU PPT YEAR 2023(COMPLIANCE Jakarta, October 23 -
SKILL) November 3, 2023
Certification CERTIFIED INFORMATION SYSTEM AUDITOR Jakarta, 06/11/2023 - ISACA
Competency CERTIFIED INFORMATION SYSTEM AUDITOR 10/11/2023
Jakarta,November 6-10
2023
Technical SMNR NASIONAL INTERNAL AUDIT 2023 Jakarta, 06/12/2023 - YPIA
Competency SMNR NATIONAL INTERNAL AUDIT 2023 07/12/2023
Jakarta, December 6 2023
– December 7, 2023
Inggar Riza Dwi Technical TRAINING NGBS-BE BUDGET TRF&APP BATCH 2 Jakarta,24/10/2023 Internal House (Diklat)
Putra Competency (24OKT) Jakarta, October 24, 2023 / In-House (Training)
TRAINING NGBS-BE BUDGET TRF&APP BATCH 2
(24OCT)
Technical SHARING SESSION SKAI OCTOBER (AUDIT SKILL) Jakarta, 06/10/2023 Internal House (Diklat)
Competency. SHARING SESSION SKAI OCTOBER (AUDIT SKILL) Jakarta, October 6, 2023 / In-House (Training)
Technical WORKSHOP SKAI (RKA) AUDIT SKILL Jakarta,10/11/2023 Internal House (Diklat)
Competency SKAI WORKSHOP (RKA) AUDIT SKILL Jakarta, November 10, / In-House (Training)
2023
Nissa Nurfitria Technical WORKSHOP BISNIS OPERATION & SINERGI REG Jakarta, 09/01/2023 Internal House (Diklat)
Competency IV(OPERATION SKILL) Jakarta, January 9, 2023 / In-House (Training)
REG IV (OPERATION SKILL) BUSINESS
OPERATIONS & SYNERGY WORKSHOP
Technical KICK OFF SHINE PROJECT (IT SKILL) KICK OFF Jakarta, 22/02/2023 DXC
Competency SHINE PROJECT (IT SKILL) Jakarta, February 22, 2023
Certification REFRESHMENT SMR TAHUN 2023 Jakarta, 21/02/2023 BSMR
Competency SMR REFRESHMENT IN 2023 Jakarta, February 21, 2023
Technical WKS PROFILE&ORGANIZATION SKAI(AUDIT SKILL ) Jakarta, 21/03/2023 Internal House (Diklat)
Competency WKS PROFILE&ORGANIZATION SKAI(AUDIT SKILL) Jakarta, March 21, 2023 / In-House (Training)
Technical WORKSHOP SKAI Jakarta,09/06/2023 Internal House (Diklat)
Competency SKAI WORKSHOP Jakarta, June 9, 2023 / In-House (Training)
Technical NATIONAL CONFERENCE IAIB 23 Jakarta,12-13/07/2023 IAIB
Competency IAIB NATIONAL CONFERENCE 23 Jakarta,July 12-13 2023
Technical SHARING SESSSION SKAI JULI Jakarta, 07/07/2023 Internal House (Diklat)
Competency SHARING SESSION SKAI in JULY Jakarta, July 7, 2023 / In-House (Training)
Technical TRAINING FINANCIAL REPORTING (ICOFR) Jakarta, 08/08/2023 DELOITEE
Competency (FINANCIAL SKILL) Jakarta, August 8, 2023
TRAINING FINANCIAL REPORTING (ICOFR)
(FINANCIAL SKILL)
Technical SHARING SESSION SKAI(AUDIT SKILL) Jakarta, 11/08/2023 Internal House (Diklat)
Competency SHARING SESSION SKAI (AUDIT SKILL) Jakarta, August 11, 2023 / In-House (Training)
Technical TRAINING NGBS-BE BUDGET TRF & APP BATCH 1 Jakarta, 25/10/2023 Internal House (Diklat)
Competency (25OKT) Jakarta, October 25, 2023 / In-House (Training)
TRAINING NGBS-BE BUDGET TRF & APP BATCH 1
(25OKT)
Technical SHARING SESSION SKAI OCTOBER Jakarta, 06/10/2023 Internal House (Diklat)
Competency OCTOBER SHARING SESSION SKAI Jakarta, October 6, 2023 / In-House (Training)
Technical WORKSHOP SKAI (RKA) AUDIT SKILL Jakarta,10/11/2023 Internal House (Diklat)
Competency SKAI WORKSHOP (RKA) AUDIT SKILL Jakarta, November 10, / In-House (Training)
2023
72 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Jenis
Nama dan Pendidikan dan
Jabatan Pelatihan Materi Pendidikan dan Pelatihan Tempat/Tanggal Penyelenggara
Name and Type of Material of Education and Training Time / Place Organizer
Position Education and
Training
Roby Endrama Technical SHARING SESSION SKAI (AUDIT SKILL) Jakarta, 11/08/2023 Internal House (Diklat)
Purba Competency SKAI SHARING SESSION (AUDIT SKILL) Jakarta, August 11, 2023 / In-House (Training)
Technical WORKSHOP BISNIS OPERATION & SINERGI REG Jakarta, 09/01/2023 Internal House (Diklat)
Competency IV(OPERATION SKILL) Jakarta, January 9, 2023 ) / In-House (Training)
REG IV (OPERATION SKILL) BUSINESS
OPERATIONS & SYNERGY WORKSHOP
Technical SHARING SESSION COMPLIANCE & RISK GROUP Jakarta, 15/06/2023 Internal House (Diklat)
Competency SHARING SESSION COMPLIANCE & RISK GROUP Jakarta, June 15, 2023 / In-House (Training)
Technical WORKSHOP SKAI Jakarta,09/06/2023 Internal House (Diklat)
Competency SKAI WORKSHOP Jakarta,June 9, 2023 / In-House (Training)
Technical SHARING SESSION SKAI OCTOBER Jakarta, 06/10/2023 Internal House (Diklat)
Competency SHARING SESSION SKAI OCTOBER Jakarta, October 6, 2023 / In-House (Training)
Technical E LEARNING ANTI FRAUD TH 2023(RISK Januari, 23/10/2023 - Internal House (Diklat)
Competency MANAGEMENT SKILL) 03/11/2023 / In-House (Training)
E LEARNING ANTI FRAUD TH 2023(RISK Jakarta, October 23-
MANAGEMENT SKILL) November 3, 2023
Technical E LEARNING APU PPT TAHUN 2023(COMPLIANCE Jakarta, 23/10/2023 - Internal House (Diklat)
Competency SKILL) 03/11/2023 / In-House (Training)
E LEARNING APU PPT YEAR 2023(COMPLIANCE Jakarta, October 23-
SKILL) November 3, 2023
Technical WORKSHOP SKAI (RKA) AUDIT SKILL Jakarta,10/11/2023 Internal House (Diklat)
Competency SKAI WORKSHOP (RKA) AUDIT SKILL Jakarta, November 10, / In-House (Training)
2023
Technical SMNR NASIONAL INTERNAL AUDIT 2023 Jakarta, 06/12/2023 - YPIA
Competency SMNR NATIONAL INTERNAL AUDIT 2023 07/12/2023
Jakarta, December 6-7
2023
PT Bank KB Bukopin Tbk Sustainability Report 2023 73
Page 74
Pedoman Perilaku (Kode Etik)
[GRI 2-23, 2-24]
Code of Conduct (Code of Ethics)[GRI 2-23, 2-24]
Kode Etik PT Bank KB Bukopin Tbk merupakan bagian dari PT Bank KB Bukopin Tbk Code of Ethics is part of PT Bank KB
budaya PT Bank KB Bukopin Tbk yang mencerminkan penjiwaan Bukopin Tbk culture which reflects the spirit of the basic values
dari nilai-nilai dasar kebijakan utama Perseroan. Selain itu, Kode of the Company’s main policies. Apart from that, the Code of
Etik juga merupakan bagian tak terpisahkan dari kebijakan Ethics is also an inseparable part of the policies contained in
yang terdapat dalam Peraturan Perseroan, Peraturan Disiplin the Company Regulations, Disciplinary Regulations and other
dan peraturan-peraturan lainnya. Oleh karena itu, Kode regulations. Therefore, the Code of Ethics is also a framework
Etik sekaligus merupakan kerangka kerja (panduan) untuk (guideline) for attitudes and behavior in carrying out daily tasks,
bersikap, berperilaku dalam menjalankan tugas sehari-hari, as well as a guideline for every decision making.
serta pedoman pada setiap pengambilan keputusan.
Kode Etik disusun untuk memandu perilaku seluruh jajaran The Code of Ethics was prepared to guide the behavior
Perseroan dalam menjalankan kegiatan bisnis dan operasional of all levels of the Company in carrying out daily business
sehari-hari, tanpa memandang fungsi, pangkat atau posisi and operational activities, regardless of function, rank or
jabatan. Untuk itu, segenap jajaran mulai dari Dewan Komisaris position. For this reason, all levels, starting from the Board
dan anggota Komite-Komite, Direksi, Pemimpin Unit Kerja, of Commissioners and members of Committees, Directors,
hingga seluruh karyawan, wajib menjunjung tinggi komitmen Work Unit Leaders, to all employees, are obliged to uphold
terhadap Kode Etik. their commitment to the Code of Ethics.
Perseroan berkomitmen untuk mengimplementasikan kode etik The Company is committed to implementing a code of ethics in
dalam seluruh kegiatan Perseroan, serta mewajibkan seluruh all Company activities, as well as requiring all leaders from every
pimpinan dari setiap tingkatan dalam organisasi bertanggung level in the organization to be responsible for ensuring that the
jawab untuk memastikan bahwa Pedoman Perilaku dipatuhi dan Code of Conduct is adhered to and implemented properly at
dijalankan dengan baik pada jajaran masing-masing. Jajaran their respective levels. Company officials are required to sign
Perseroan diwajibkan untuk menandatangani surat Pernyataan a Statement of Compliance with the Code of Ethics for PT
Kepatuhan terhadap Kode Etik Insan PT Bank KB Bukopin Tbk. Bank KB Bukopin Tbk Personnel. The Company ensures that
Perseroan memastikan segala bentuk ketidakpatuhan yang all forms of non-compliance by employees cannot be tolerated
dilakukan pegawai tidak dapat ditolerir dan akan mendapatkan and will receive sanctions in accordance with the provisions
sanksi sesuai ketentuan yang berlaku di Perseroan. Informasi applicable to the Company. More information about the Code
selengkapnya tentang Kode Etik bisa diakses di situs resmi: of Ethics can be accessed on the official website:
https://www.kbbukopin.com/corporate-governance/code- https://www.kbbukopin.com/corporate-governance/code-
of-ethics of-ethics
Selama tahun 2023, terdapat 77 pelanggaran Kode Etik dan During 2023, there were 77 violations of the Code of Ethics
Perseroan telah menjatuhkan sanksi sesuai ketentuan yang and the Company has imposed sanctions in accordance with
berlaku sebagai berikut: the applicable provisions as follows:
Jumlah Sanksi
Jenis Surat Sanksi Type of Sanctions
Type of Sanction
2023 2022
Surat Peringatan 1 (SP 1) 12 19
Warning Letter 1 (SP 1)
Surat Peringatan 2 (SP 2) 26 15
Warning Letter 2 (SP 2)
Surat Peringatan 3 (SP 3) 29 11
Warning Letter 3 (SP 3)
Surat Teguran 10 6
Reprimand Letter
Total 77 51
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Komunikasi Masalah Penting, serta
Mekanisme untuk Mencari Nasihat dan
Mengemukakan Masalah [GRI 2-16, 2-26]
Communication of Important Issues, as well as Mechanisms for
Seeking Advice and Raising Issues [GRI 2-16, 2-26]
PT Bank KB Bukopin Tbk membuka diri terhadap berbagai PT Bank KB Bukopin Tbk opens itself to various important
masalah penting tentang dampak negatif potensial maupun issues regarding potential and actual negative impacts from
aktual dari pemangku kepentingan melalui mekanisme stakeholders through a complaint mechanism in the form of a
pengaduan berupa Whistleblowing System (WBS). Seluruh Whistleblowing System (WBS). All incoming complaints will be
pengaduan yang masuk akan ditinjau oleh Departemen Anti reviewed by the Anti-Fraud & Special Investigation Department,
Fraud & Investigasi Khusus , sedangkan untuk pengaduan yang while critical or important complaints will be discussed by a
bersifat kritis atau penting akan dibahas oleh tim bersama badan team with the highest governance body, namely the Board of
tata kelola tertinggi yaitu Dewan Komisaris dan Direksi melalui Commissioners and Directors, through meetings, both Board of
rapat-rapat, baik rapat Dewan Komisaris, rapat Direksi, maupun Commissioners meetings, Board of Directors meetings and joint
rapat gabungan Dewan Komisaris dengan Direksi. Selanjutnya, Board meetings. Commissioners with Directors. Furthermore,
untuk mengantisipasi isu-isu terkait ekonomi, lingkungan dan to anticipate issues related to the economy, environment and
sosial, beserta dampak yang mungkin timbul, PT Bank KB social, along with the impacts that may arise, PT Bank KB
Bukopin Tbk mengoptimalkan peran Unit Kerja Environmental, Bukopin Tbk optimizes the role of the Environmental, Social
Social, and Governance (ESG) sebagai organ pendukung tata and Governance (ESG) Work Unit as a governance support
kelola yang bertanggung jawab untuk mengambil keputusan organ responsible for making decisions on topics economic,
mengenai topik-topik ekonomi, lingkungan, dan sosial di environmental and social in the company.
perusahaan.
Sistem Pelaporan Pelanggaran
[GRI 2-23, 2-24]
Whistleblowing System [GRI 2-23, 2-24]
Perseroan menetapkan kebijakan mengenai Sistem The Company has established a policy regarding the
Pelaporan Pelanggaran (Whistleblowing System) yang Whistleblowing System which is regulated through Decree
diatur melalui Surat Keputusan No.0205 Tahun 2023 No. 0205 of 2018 concerning the Whistleblowing System
tentang Kebijakan Whistleblowing System (WBS) Surat (WBS) Policy. This decision letter is a guide in implementing
keputusan tersebut merupakan panduan dalam menerapkan a systematic and accountable violation reporting system, as
sistem pelaporan pelanggaran secara sistematis dan well as in increasing commitment to creating a clean work
dapat dipertanggungjawabkan, serta dalam meningkatkan environment and integrity.
komitmen untuk mewujudkan lingkungan kerja yang bersih
dan berintegritas.
Bagi PT Bank KB Bukopin Tbk, penerapan Sistem Pelaporan For PT Bank KB Bukopin Tbk, the implementation of the
Pelanggaran merupakan instrumen penting dari penerapan Whistleblowing System is an important instrument for
tata kelola perusahaan yang baik, sekaligus merupakan bagian implementing good corporate governance, as well as being
dari sistem pengendalian internal dalam mencegah terjadinya part of the internal control system in preventing irregular
praktik penyimpangan dan bertujuan untuk melakukan deteksi practices and aims to carry out early detection and prevention
dini dan pencegahan terhadap terjadinya penyimpangan of irregularities or violations.
ataupun pelanggaran.
PT Bank KB Bukopin Tbk Sustainability Report 2023 75
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Adapun lingkup pelaporan/pengaduan yang akan ditindaklanjuti The scope of reporting/complaints that will be followed up by
oleh PT Bank KB Bukopin Tbk secara umum adalah tindakan/ PT Bank KB Bukopin Tbk in general are actions/deeds that
perbuatan yang dapat merugikan Perseroan baik secara can harm the Company both financially and non-financially,
finansial maupun non-finansial, meliputi namun tidak terbatas: including but not limited to:
1. Perbuatan Fraud Tindakan penyimpangan atau pembiaran 1. Fraud
yang sengaja dilakukan untuk mengelabui, menipu, atau Acts of deviation or omission that are intentionally carried
memanipulasi Bank, nasabah, atau pihak lain, yang terjadi out to deceive, deceive or manipulate the Bank, customers
di lingkungan Bank dan/atau menggunakan sarana Bank or other parties, which occur within the Bank and/or using
sehingga mengakibatkan Bank, nasabah, atau pihak lain Bank facilities, resulting in the Bank, customers or other
menderita kerugian dan/atau pelaku Fraud memperoleh parties suffering losses and/or or the perpetrator of the
keuntungan keuangan baik secara langsung maupun tidak fraud obtains financial benefits either directly or indirectly;
langsung;
2. Kesalahan Operasional yang signifikan Tindakan yang 2. Significant operational errors
dilakukan secara tidak sengaja atau tidak disadari sehingga Actions carried out unintentionally or unconsciously that
dapat mengakibatkan kerugian finansial ataupun non can result in financial or non-financial losses for the bank;
finansial bagi bank;
3. Pelanggaran ketentuan bank Semua bentuk pelanggaran 3. Violation of bank regulations.
terhadap ketentuan internal Bank yang signifikan maupun All forms of significant violations of the Bank’s internal
pelanggaran terhadap ketentuan eksternal yang berlaku; regulations or violations of applicable external regulations;
4. Pelanggaran atas kode etik yang berlaku di Bank; 4. Violation of the code of ethics applicable at the Bank;
5. Benturan kepentingan Tindakan menyalahgunakan nama, 5. Conflict of interest
jabatan, fasilitas aset, atau hubungan baik Bank untuk Actions of abusing the Bank’s name, position, asset facilities,
kepentingan apapun termasuk penerimaan uang, barang, or good relationships for any interest, including receiving
fasilitas dari pihak-pihak tertentu yang bertentangan money, goods, facilities from certain parties that are
dengan Kebijakan Bank; contrary to Bank Policy;
6. Tindakan melanggar etika dan moral; 6. Actions that violate ethics and morals;
7. Tindakan melanggar hukum pidana maupun perdata 7. Acts that violate criminal or civil law or other laws and
ataupun peraturan perundang-undangan lainnya misalnya regulations, for example forging the signature of an
pemalsuan tanda tangan pejabat berwenang, penggunaan authorized official, using drugs, destroying goods and so on;
narkoba, perusakan barang dan lainnya;
8. Tindakan membahayakan keselamatan dan lingkungan kerja, 8. Actions endanger work safety and environment, endanger
membahayakan keamanan bank, termasuk membahayakan bank security, including endanger third party/customer
aset pihak ketiga/nasabah. assets.
Perseroan melaksanakan sosialisasi WBS kepada seluruh Insan The Company carries out WBS outreach to all Company
Perseroan dan pihak lainnya yang dikoordinasikan Departemen Personnel and other parties coordinated by the Anti-Fraud &
Anti Fraud & Investigasi Khusus . Sosialisasi dilakukan melalui Special Investigation Department. Socialization is carried out
berbagai sarana seperti website (www.kbbank.co.id ), media- through various means such as the website (www.kbbank.
media komunikasi internal yang sering diakses karyawan PT co.id), internal communication media that are often accessed
Bank KB Bukopin Tbk, seperti Bukopin Office Communication by PT Bank KB Bukopin Tbk employees, such as Bukopin
(BOC) serta postmaster email. Informasi selengkapnya tentang Office Communication (BOC) and postmaster email. More
Whistleblowing System bisa diakses di situs resmi: https://www. information about the Whistleblowing System can be accessed
kbbank.co.id/corporate-governance/whistleblowing-system on the official website: https://www.kbbank.co.id/corporate-
governance/whistleblowing-system
Selain sosialisasi, PT Bank KB Bukopin Tbk senantiasa Apart from socialization, PT Bank KB Bukopin Tbk always
menerapkan WBS, yang diikuti dengan melakukan kajian implements WBS, which is followed by conducting studies
dan pelaporan untuk melihat sejauh mana efektivitas and reporting to see the effectiveness of its implementation,
pelaksanaannya, termasuk dalam konteks dukungannya atas including in the context of its support for the implementation
penerapan GCG di Perseroan. Bagi PT Bank KB Bukopin Tbk, of GCG in the Company. For PT Bank KB Bukopin Tbk, the
pelaksanaan WBS mendapatkan perhatian karena merupakan implementation of WBS has received attention because it is
salah satu cara pengungkapan/penyingkapan kecurangan di one way of disclosing fraud in the Company.
Perseroan.
76 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Per 31 Desember 2023, terdapat 18 (delapan belas) informasi As of 31 December 2023, there are 18 information reported
yang dilaporkan melalui WBS dengan rincian dalam tabel through WBS with details in the following table:
berikut:
Lainnya (Telepon/
Jumlah WBS masuk Email Fax SMS WhatsApp Kotak Surat Informasi Lain)
Total WBS Report Email Fax SMS WhatsApp Mail Box Others (Telephone/
Other Information)
2023 6 0 0 12 0 0
2022 3 0 1 3 1 0
Adapun proses tindak lanjut atas pelaporan tersebut adalah The follow-up process for the report is as follows:
sebagai berikut:
Laporan Internal WBS
2023 2022
Internal WBS Report
Total Laporan 18 8
Total Report
Telah Diselesaikan 15 7
Settled
Terbukti 2 3
Proven
Tidak Terbukti 0 2
Not Proven
Bersifat Informasi/Keluhan Information/ 13 1
Complaint in nature
Data Tidak Lengkap dan Pelapor tidak Memberikan Informasi/Data Tambahan yang Diminta 0 1
Data is Incomplete and the Reporter does not Provide Additional Information/Data Requested
Dalam Proses Penyelesaian 3 1
On Process
PT Bank KB Bukopin Tbk Sustainability Report 2023 77
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Implementasi Manajemen Risiko
[OJK E.3] [GRI 2-25]
Implementation of Risk Management [OJK E.3] [GRI 2-25]
PT Bank KB Bukopin Tbk menyadari adanya berbagai risiko yang PT Bank KB Bukopin Tbk is aware of various risks that have
berpotensi menghambat pencapaian target dan kinerja yang the potential to hamper the achievement of targets and
telah ditetapkan Perseroan, termasuk target dan kinerja dalam performance that have been set by the Company, including
penerapan keuangan berkelanjutan. Untuk mengantisipasi hal targets and performance in implementing sustainable finance.
itu, sekaligus meminimalkan dampak yang timbul, Perseroan To anticipate this, while minimizing the impact that arises, the
menerapkan manajemen risiko secara konsisten pada setiap Company implements risk management consistently in every
proses aktivitas bisnis maupun operasional yang menjadikan business and operational activity process which makes the
perseroan sehat dan tumbuh secara berkesinambungan. company healthy and grows sustainably.
Seiring dengan itu, Perseroan melakukan mitigasi risiko dari Along with that, the Company mitigates risks from every
setiap lini bisnis yang berpotensi memiliki risiko. Pelaksanaan business line that has the potential to have risks. Implementation
fungsi manajemen risiko meliputi hal-hal terkait dengan upaya of the risk management function includes matters related to
identifikasi, pengukuran, pemantauan dan pengendalian risiko. efforts to identify, measure, monitor and control risks. This
Hal itu termasuk pengembangan teknologi dan sistem informasi includes developing technology and management information
manajemen yang mendukung pengelolaan setiap jenis risiko dan systems that support the management of each type of risk
peningkatan kualitas sumber daya manusia untuk meningkatkan and improving the quality of human resources to improve the
kualitas penerapan manajemen risiko. quality of risk management implementation.
Dalam mendukung pelaksanaan manajemen risiko, Perseroan In supporting the implementation of risk management, the
menerapkan struktur organisasi yang disertai tugas dan Company implements an organizational structure accompanied
tanggung jawab secara umum. Hal ini termasuk penerapan by general duties and responsibilities. This includes the
manajemen risiko pada seluruh satuan kerja yang disesuaikan implementation of risk management in all work units which
dengan tujuan dan kebijakan usaha, ukuran dan kompleksitas is adjusted to business objectives and policies, size and
kegiatan usaha. complexity of business activities.
Perseroan mengembangkan struktur organisasi yang jelas The Company has developed a clear organizational structure in
dalam mengelola risiko yang terdiri dari Komite Pemantau managing risk which consists of a Risk Monitoring Committee,
Risiko, Komite Manajemen Risiko, Satuan Kerja Manajemen Risk Management Committee, Risk Management Work Unit, Risk
Risiko, Risk Taking Unit dan Satuan Kerja Audit Internal. Divisi Taking Unit and Internal Audit Work Unit. The Risk Management
Manajemen Risiko merupakan Satuan Kerja Manajemen Risiko Division is a Risk Management Work Unit in the Company which
dalam Perseroan yang dipimpin oleh Kepala Divisi (Division is led by the Division Head who reports to the Director of
Head) yang melapor kepada Direktur Kepatuhan dan Risiko. Compliance and Risk. The Risk Management Division consists
Divisi Manajemen Risiko terdiri dari beberapa Departemen/ of several departments/units as follows:
Unit sebagai berikut:
• Enterprise Risk Management • Enterprise Risk Management
• Operational and IT Risk Management • Operational and IT Risk Management
• Credit Risk Management • Credit Risk Management
• Personal Data Protection • Personal Data Protection
Sistem manajemen risiko dilaksanakan secara terintegrasi The risk management system is implemented in an integrated
melalui 4 (empat) pilar yaitu: manner through 4 pillars, namely:
Pilar 1: Pengawasan Aktif Dewan Komisaris dan Direksi, Pilar Pillar 1: Active Supervision of the Board of Commissioners
2: Kecukupan Kebijakan, Prosedur dan Penetapan Limit; Pilar and Directors, Pillar 2: Adequacy of Policies, Procedures and
3: Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, Limit Determination; Pillar 3: Adequacy of Risk Identification,
dan Pengendalian Risiko, serta Sistem Informasi Manajemen Measurement, Monitoring and Control Processes, as well as
Risiko; dan Pilar 4: Sistem Pengendalian Intern. Risk Management Information Systems; and Pillar 4: Internal
Control System.
Informasi selengkapnya tentang Sistem Manajemen Risiko Complete information about the Risk Management System is
disampaikan dalam Bab Tata Kelola Perusahaan yang Baik di presented in the Good Corporate Governance Chapter in the
Laporan Tahunan Perseroan, halaman 423 Company’s Annual Report, page 423
78 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Benturan Kepentingan [GRI 2-15]
Conflict of Interest [GRI 2-15]
Segenap Insan Perseroan wajib menghindari segala bentuk All Company Personnel are required to avoid all forms of
potensi benturan kepentingan yang dapat merugikan potential conflicts of interest that could harm the Company.
Perseroan. Insan Perseroan dilarang melakukan aktivitas Company personnel are prohibited from carrying out activities
yang menguntungkan kepentingan pribadi, keluarga maupun that directly or indirectly benefit their personal, family or
kerabatnya secara langsung maupun tidak langsung di relatives’ interests in the Company.
Perseroan.
Untuk memenuhi komitmen benturan kepentingan, To fulfill conflict of interest commitments, PT Bank KB Bukopin
PT Bank KB Bukopin Tbk mengatur kebijakan tersebut Tbk regulates this policy in the Code of Conduct (Code of
dalam Pedoman Perilaku (Kode Etik). Pedoman tersebut Ethics). These guidelines serve as a guide in handling and what
menjadi panduan dalam penanganan dan hal-hal yang harus must be done when faced with situations involving conflicts
dilakukan apabila menghadapi situasi yang berkenaan dengan of interest, identifying the sources of causes of conflicts of
benturan kepentingan, identifikasi sumber penyebab benturan interest and efforts to prevent conflict of interest situations as
kepentingan dan upaya pencegahan situasi berbenturan an effort to prevent fraud and other behavioral irregularities
kepentingan sebagai upaya mencegah kecurangan serta within the Company.
penyimpangan perilaku lainnya di lingkungan Perseroan.
PT Bank KB Bukopin Tbk senantiasa melaksanakan kebijakan PT Bank KB Bukopin Tbk always implements the conflict of
benturan kepentingan secara konsisten terutama menyangkut interest policy consistently, especially regarding every policy
setiap kebijakan dan keputusan yang diambil untuk kepentingan and decision taken in the interests of the Company. Therefore,
Perseroan. Oleh karena itu, untuk memastikan kebijakan to ensure that the policy is understood and implemented by
tersebut dipahami dan dilaksanakan oleh semua pihak di all parties within the Company, PT Bank KB Bukopin Tbk
internal Perseroan, PT Bank KB Bukopin Tbk memberikan provides ongoing outreach to Company Personnel to be able
sosialisasi secara berkelanjutan kepada Insan Perseroan to understand and practice policies regarding conflicts of
untuk dapat memahami dan mempraktikkan kebijakan terkait interest in the Company.
benturan kepentingan di Perseroan.
PT Bank KB Bukopin Tbk Sustainability Report 2023 79
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Komitmen Antikorupsi Anti-Corruption Commitment Bank menilai tindakan korupsi merupakan kejahatan luar biasa The Bank considers that acts of corruption are extraordinary dan berdampak sangat besar dan merugikan masyarakat dan crimes and have a huge impact and are detrimental to society negara. Oleh karena itu, PT Bank KB Bukopin Tbk mendukung and the country. Therefore, PT Bank KB Bukopin Tbk supports komitmen pemerintah untuk memberantas korupsi melalui the government’s commitment to eradicate corruption through berbagai instansi, seperti kejaksaan, kepolisian dan Komisi various agencies, such as the prosecutor’s office, police and Pemberantasan Korupsi (KPK). Melalui komitmen tersebut, the Corruption Eradication Commission (KPK). Through this Perseroan mendorong praktik bisnis yang jujur dan beretika. commitment, the Company encourages honest and ethical [GRI 3-3] business practices. [GRI 3-3] Komitmen anti korupsi diwujudkan PT Bank KB Bukopin Tbk PT Bank KB Bukopin Tbk anti-corruption commitment is realized dengan sepenuhnya mematuhi peraturan perundang-undangan by fully complying with anti-corruption laws and regulations in anti korupsi yang berlaku di Indonesia. Perseroan mengadopsi force in Indonesia. The Company adopts provisions and values ketentuan dan nilai-nilai yang mencegah terjadinya korupsi, that prevent corruption, including a prohibition on the practice termasuk di dalamnya larangan praktik memberi dan menerima of giving and receiving gifts and bribes. Strictly speaking, the hadiah dan suap. Secara tegas, Perseroan tidak mentolerir Company does not tolerate corrupt practices within PT Bank terjadinya praktik korupsi di lingkungan PT Bank KB Bukopin KB Bukopin Tbk. [GRI 3-3] Tbk. [GRI 3-3] Berkaitan dengan komitmen antikorupsi, PT Bank KB Bukopin In connection with its anti-corruption commitment, PT Bank KB Tbk telah melakukan pemetaan dan mitigasi terhadap proses Bukopin Tbk has carried out mapping and mitigation of business bisnis yang berisiko besar terjadi korupsi/penyuapan antara processes that are at high risk of corruption/bribery, including lain pengadaan barang dan jasa, sumber daya manusia serta the procurement of goods and services, human and financial keuangan. Adapun mitigasi atas risiko terjadinya korupsi resources. The mitigation for the risk of corruption taken by yang diambil Perseroan adalah menerbitkan Surat Keputusan the Company is to issue Decree No.0165 of 2021 on Anti- No.0165 tahun 2021 tentang Kebijakan Anti Penyuapan dan Bribery and Corruption Policy and conduct online and offline Korupsi serta melakukan sosialisasi secara online maupun socialisation to spread anti-corruption values. [GRI 205-1] offline untuk menyebarkan nilai-nilai antikorupsi. [GRI 205-1] Sejalan dengan penerapan kebijakan antikorupsi, setiap tahun In line with the implementation of anti-corruption policies, every Bank melakukan kegiatan sosialisasi akan pentingnya budaya year the Bank carries out outreach activities on the importance of antikorupsi dan anti-fraud, baik terhadap internal Bank (Dewan anti-corruption and anti-fraud culture, both to the Bank’s internal Komisaris, Direksi, manajemen dan karyawan) maupun mitra (Board of Commissioners, Directors, management and employees) bisnisnya. Dengan sosialisasi tersebut, per 31 Desember 2023, and its business partners. With this socialization, as of December sebanyak 100% dari Dewan Komisaris, 100% dari Direksi, dan 31, 2023, as many as 100% of the Board of Commissioners, 100% 100% dari karyawan telah mendapatkan informasi terkait of the Board of Directors, and 100% of employees have received kebijakan dan prosedur antikorupsi. Seiring dengan itu, information related to anti-corruption policies and procedures. sebanyak 100% mitra/vendor telah mendapatkan informasi Along with that, as many as 100% of partners/vendors have terkait kebijakan dan prosedur anti-korupsi yang diterapkan received information regarding the anti-corruption policies and di KB Bukopin. [GRI 205-2] procedures implemented at KB Bukopin. [GRI 205-2] Selain sosialisasi, komitmen antikorupsi juga dilakukan dengan Apart to socialization, anti-corruption commitment is also carried menyelenggarakan atau mengikutsertakan insan PT Bank out by organizing or involving PT Bank KB Bukopin Tbk people KB Bukopin Tbk dalam program pelatihan antikorupsi. Per in anti-corruption training programs. As of December 31, 2023, 31 Desember 2023, karyawan dan manajemen yang telah employees and management who had participated in anti- mengikuti pelatihan antikorupsi tercatat sebanyak 2.093 orang corruption training were 2,093 people or 80.41% of all employees atau 80,41% dari keseluruhan karyawan dan manajemen. and management. The Board of Commissioners and Board of Adapun Dewan Komisaris dan Direksi belum mengikuti pelatihan Directors have not participated in anti-corruption training during antikorupsi selama tahun pelaporan. [GRI 205-2] the reporting year. [GRI 205-2] 80 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Selain sosialisasi, komitmen antikorupsi juga dilakukan dengan In addition to socialization, anti-corruption commitment is also
menyelenggarakan atau mengikutsertakan insan KB Bank carried out by organizing or involving KB Bank personnel in anti-
dalam program pelatihan antikorupsi. Per 31 Desember 2023, corruption training programs. As of December 31, 2023, employees
karyawan dan manajemen yang telah mengikuti pelatihan and management who had participated in anti-corruption training
antikorupsi tercatat sebanyak 2.093 orang atau 80,41% dari were 2,093 people or 80.41% of all employees and management.
keseluruhan karyawan dan manajemen. Adapun Dewan The Board of Commissioners and Board of Directors have not
Komisaris dan Direksi belum mengikuti pelatihan antikorupsi participated in anti-corruption training during the reporting year.
selama tahun pelaporan. [GRI 205-2] [GRI 205-2]
Keteguhan dan konsistensi dalam memegang sikap dan Firmness and consistency in upholding anti-corruption attitudes
komitmen antikorupsi membawa hasil dengan tidak adanya and commitments have resulted in no incidents of corruption at
insiden korupsi di PT Bank KB Bukopin Tbk selama tahun 2023. PT Bank KB Bukopin Tbk during 2023. Thus, the Company did
Dengan demikian, Perseroan tidak mengambil tindakan apapun, not take any action, such as dismissing internal parties who were
seperti pemecatan pihak internal yang terbukti melakukan proven to have committed corruption, or terminating cooperation
korupsi, atau menghentikan kerja sama dengan pemasok yang with suppliers involved in corruption. [GRI 205-3]
terlibat dalam korupsi. [GRI 205-3]
Anti Persaingan
Non-Competition
PT Bank KB Bukopin Tbk senantiasa menjunjung tinggi PT Bank KB Bukopin Tbk always upholds fair business
persaingan usaha yang adil, memiliki nilai sportivitas dan competition, has the values of sportsmanship and
profesionalisme, serta menjalankan prinsip-prinsip GCG professionalism, and implements GCG principles by participating
dengan ikut serta berupaya untuk menciptakan iklim usaha in efforts to create a healthy business climate. The Company
yang sehat. Perseroan menghendaki adanya kesempatan yang desires equal opportunities and encourages participation in all
sama dan mendorong untuk berpartisipasi pada segala jenis types of business activities in a healthy, effective and efficient
kegiatan usaha dalam iklim usaha yang sehat, efektif dan efisien business climate so that it will drive a fair market economy.
sehingga akan menggerakkan ekonomi pasar yang wajar.
Perseroan menerapkan sistem berusaha yang bebas dengan The Company implements a free business system by conducting
melakukan persaingan secara adil dan menjalankan usahanya fair competition and carrying out its business with full integrity
dengan penuh integritas serta dengan mematuhi hukum dan and complying with applicable laws and regulations.
peraturan yang berlaku.
Penerapan Strategi Anti Fraud
Implementation of Anti Fraud Strategy
PT Bank KB Bukopin Tbk menerapkan sistem pengendalian PT Bank KB Bukopin Tbk implements an internal control system
internal untuk memastikan seluruh proses bisnis dapat berjalan to ensure that all business processes can run well and there is
dengan baik dan adanya fungsi cross check dan kontrol antar a cross check and control function between departments so
bagian sehingga terjadi efektivitas operasional dan sebagai that operational effectiveness occurs and prevents irregularities
pencegah terjadinya penyimpangan di Perseroan. in the Company.
Peningkatan efektivitas pengendalian intern diperlukan sebagai Increasing the effectiveness of internal control is needed as
upaya meminimalkan risiko fraud dengan cara menerapkan an effort to minimize the risk of fraud by implementing an
Strategi Anti Fraud. Penerapan Strategi Anti Fraud tidak hanya Anti-Fraud Strategy. The implementation of the Anti-Fraud
ditujukan untuk melakukan pencegahan (preventive), namun Strategy is not only aimed at preventing, but also detecting
juga mendeteksi dan melakukan investigasi serta memperbaiki and conducting investigations and improving the system as
sistem sebagai bagian dari strategi yang bersifat integral dalam part of an integral strategy in controlling fraud.
mengendalikan fraud.
PT Bank KB Bukopin Tbk Sustainability Report 2023 81
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Dalam pelaksanaannya, PT Bank KB Bukopin Tbk mengatur In its implementation, PT Bank KB Bukopin Tbk regulates
kebijakan yang menjelaskan pelaksanaan Strategi Anti-Fraud policies explaining the implementation of the Anti-Fraud
pada PT Bank KB Bukopin Tbk sebagaimana yang diatur dalam Strategy at PT Bank KB Bukopin Tbk as regulated in Decree
Surat Keputusan No.0160 Tahun 2023 tentang Kebijakan No.0160 of 2023 concerning Anti-Fraud Strategy Policy of PT
Strategi Anti Fraud PT Bank KB Bukopin Tbk. Bank KB Bukopin Tbk.
Pedoman Penerapan Strategi Anti-Fraud sekaligus merupakan The Anti-Fraud Strategy Implementation Guidelines are
wujud komitmen manajemen Perseroan dalam mengendalikan also a form of the Company’s management’s commitment to
fraud yang diterapkan dalam bentuk sistem pengendalian fraud. controlling fraud which is implemented in the form of a fraud
Strategi ini menuntut manajemen untuk mengerahkan sumber control system. This strategy requires management to mobilize
daya agar sistem pengendalian fraud dapat diimplementasikan resources so that the fraud control system can be implemented
secara efektif dan berkesinambungan. effectively and continuously.
Pelibatan Pemangku Kepentingan
[GRI 2-29][OJK E.4]
Stakeholder Involvement [GRI 2-29][OJK E.4]
PT Bank KB Bukopin Tbk mendefinisikan pemangku kepentingan PT Bank KB Bukopin Tbk defines stakeholders as entities
sebagai entitas atau individu yang terpengaruh oleh kegiatan, or individuals who are affected by the Company’s activities,
produk, dan jasa Perseroan. Di sisi lain, keberadaan mereka products and services. On the other hand, their presence
juga mempengaruhi Perseroan dalam mewujudkan keberhasilan also influences the Company in realizing successful strategy
penerapan strategi dan pencapaian tujuan. Dengan posisi implementation and achieving goals. With such a position, PT
seperti itu, maka PT Bank KB Bukopin Tbk terus berupaya untuk Bank KB Bukopin Tbk continues to strive to build harmonious
membangun hubungan yang harmonis dengan para pemangku relationships with stakeholders. This is done, among other
kepentingan. Hal itu dilakukan, antara lain, melalui berbagai things, through various meeting forums that are held, both
forum pertemuan yang digelar, baik secara berkala maupun periodically and incidentally, according to the Company or at
insidental sesuai dengan Perseroan atau atas permintaan the request of stakeholders.
pemangku kepentingan.
Melalui forum seperti itulah, para pemangku kepentingan Through forums like this, stakeholders build involvement with PT
membangun keterlibatan dengan PT Bank KB Bukopin Tbk. Bank KB Bukopin Tbk. They can provide suggestions, provide
Mereka bisa memberikan usulan, sumbang saran, maupun suggestions, as well as criticism and input, on the other hand,
kritik dan masukan, sebaliknya Perseroan juga bisa memberikan the Company can also provide views and provide suggestions
pandangan dan sumbang saran sesuai dengan perspektif according to the company’s perspective. The Company believes
perusahaan. Perseroan meyakini melalui komunikasi dua that through open two-way communication like that, PT Bank
arah yang terbuka seperti itu, maka PT Bank KB Bukopin Tbk KB Bukopin Tbk can align its programs according to the needs
dapat menyelaraskan program-programnya sesuai dengan of stakeholders, while stakeholders can find out about the
kebutuhan para pemangku kepentingan, sedangkan para programs that have been and are currently being implemented
pemangku kepentingan bisa mengetahui program-program by the Company. More than that, with two-way communication,
yang telah dan sedang dijalankan Perseroan. Lebih dari itu, misunderstandings or miscommunication that can cause
dengan komunikasi dua arah tersebut, maka kesalahpahaman negative impacts can be minimized.
atau miskomunikasi yang memungkinkan timbulnya dampak
negatif bisa diminimalkan.
Identifikasi pemangku kepentingan dilakukan Perseroan dengan The Company carries out stakeholder identification by referring
mengacu pada AA1000 Stakeholder Engagement Standard versi to the 2015 version of the AA1000 Stakeholder Engagement
tahun 2015, yang membagi ke dalam 5 atribut sebagai berikut: Standard, which is divided into 5 attributes as follows:
1. Ketergantungan/Dependency (D): Jika Perseroan memiliki 1. Dependency (D): If the Company is dependent on a person
ketergantungan pada seseorang atau sebuah organisasi, or organization, or vice versa.
atau sebaliknya.
2. Tanggung Jawab/Responsibility (R): Jika Perseroan memiliki 2. Responsibility (R): If the Company has a legal, commercial
tanggung jawab legal, komersial atau etika terhadap or ethical responsibility towards a person or organization.
seseorang atau sebuah organisasi.
3. Perhatian/Tension (T): Jika seseorang atau sebuah 3. Tension (T): If a person or an organization requires the
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organisasi membutuhkan perhatian Perseroan terkait isu Company’s attention regarding certain economic, social
ekonomi, sosial atau lingkungan tertentu. or environmental issues.
4. Pengaruh/Influence (I): Jika seseorang atau sebuah 4. Influence (I): If a person or organization has influence on the
organisasi memiliki pengaruh terhadap Perseroan atau Company or the strategies or policies of other stakeholders.
strategi atau kebijakan pemangku kepentingan lain.
5. Keberagaman Pandangan/Diverse Perspective (DP): Jika 5. Diverse Perspective (DP): If a person or an organization
seseorang atau sebuah organisasi memiliki pandangan has different views that can influence the situation and
berbeda yang dapat mempengaruhi situasi dan mendorong encourage action that did not exist before.
adanya aksi yang tidak ada sebelumnya.
Setelah dilakukan pemetaan, pemangku kepentingan PT Bank After mapping, the stakeholders of PT Bank KB Bukopin Tbk
KB Bukopin Tbk adalah sebagai berikut: are as follows:
Basis
Penetapan/
Pemangku Metode Topik
Identifikasi Frekuensi
Kepentingan Pelibatan Yang Dibahas
Basis of Frequency
Stakeholders Method of Involvemnet Topic of Discussion
Appointment/
Identification
Pemegang Saham D,R,I RUPS Tahunan Satu kali dalam satu Pencapaian Kinerja Perseroan
Shareholders Annual GMS tahun Company Performance
Once a year Achievement
RUPS Luar Biasa Saat diperlukan Solusi atas kejadian luar biasa
Extraordinary GMS When needed yang membawa konsekuensi
bagi Pemegang Saham
Solutions to extraordinary events
that have consequences for
Shareholders
Laporan Manajemen Triwulan Kinerja Bisnis
Management Reports Quarterly Business Performance
Nasabah D,R,T,I Survey Kepuasan Satu kali dalam satu Tingkat Kepuasan Pelanggan
Customer Satisfaction Survey tahun Customer Satisfaction Level
Once a year
Layanan Call center Setiap saat bila Mendapatkan
Call center services diperlukan kepuasan layanan
Any time when needed Achieving service satisfaction
Kunjungan langsung Setiap saat bila Mendapatkan
Direct visit diperlukan kepuasan layanan
Any time when needed Achieving service satisfaction
Mitra Kerja/Pemasok D,R, T Kontrak Kerja Sesuai kebutuhan Pengadaan Barang/Jasa
Work Partners/Suppliers Employment contract According to the needs Procurement of Goods/Services
Pegawai D,R, T, I Intranet Harian Informasi Terkini
Employee Intranet Daily Latest Information
Sharing Knowledge Triwulan Pengetahuan Baru
Sharing Knowledge Quarterly New knowledge
Employee Gathering Satu kali dalam satu Kebersamaan
Employee Gathering tahun Togetherness
Once a year
Survey Kepuasan Satu kali dalam Mengukur tingkat
Pegawai setahun kepuasan pegawai
Employee Satisfaction Survey Once a year dan menjaring
harapan mereka
Measuring the level of employee
satisfaction and capturing their
expectations
PT Bank KB Bukopin Tbk Sustainability Report 2023 83
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Basis
Penetapan/
Pemangku Metode Topik
Identifikasi Frekuensi
Kepentingan Pelibatan Yang Dibahas
Basis of Frequency
Stakeholders Method of Involvemnet Topic of Discussion
Appointment/
Identification
Serikat Pekerja D,R, T, I Pembahasan Satu kali dalam Menciptakan iklim kerja yang
Labor union Perjanjian Kerja setahun kondusif
Bersama Once a year sehingga tercipta
Collective labor agreement hubungan bipartit yang harmonis
Discussion Creating a conducive work
climate so as to create
harmonious bipartite
relationships
Masyarakat D, R, T, I, DP Kerja sama dalam Secara berkala Program CSR
melakukan program Periodically CSR Program
Public Tanggung Jawab Sosial
Perseroan (CSR)
Collaboration in implementing
the Corporate Social
Responsibility (CSR) program
Media T, I, DP Press Release & Press Saat diperlukan Kinerja Perseroan, Corporate
Media Press Releases & Press When needed Action, Penghargaan
Company Performance,
Corporate Action, Reward
Pemerintah dan D, R, T, I, DP Pelaporan pelaksanaan Empat kali dalam Memberikan
Otoritas Keuangan Kepatuhan dan setahun informasi tentang kepatuhan
Government and notifikasi pada Otoritas Four times a year terhadap ketentuan
Financial Authority Jasa Keuangan (OJK) perundang-undan anyang
Implementation reporting berlaku
Compliance and notification to Provide information about
Authorities Financial Services compliance with provisions
(OJK) current regulation
Catatan: D = Dependency | R = Responsibility | T = Tension | I = Influence | DP = Diverse Perspective
Untuk menjaga hubungan yang baik dengan pemangku To maintain good relationships with stakeholders, the Company
kepentingan, Perseroan menyediakan sarana komunikasi dan provides communication and information facilities that can be
informasi yang dapat diakses secara langsung, baik dilakukan accessed directly, either through meeting media, providing
melalui media pertemuan, penyediaan informasi yang dapat information that can be accessed online or directly connected
diakses secara online atau secara langsung berhubungan to the Company’s operational offices. Likewise, the Company
pada kantor-kantor operasional Perseroan. Demikian juga, creates systems and procedures that become the Company’s
Perseroan membuat sistem dan prosedur yang menjadi acuan reference in accommodating, following up and handling every
Perseroan dalam menampung, menindaklanjuti dan menangani problem, complaint, suggestion, hope and criticism from
setiap permasalahan, keluhan, saran, harapan dan kritik dari stakeholders and always provides responses that are submitted
pemangku kepentingan serta senantiasa memberi respons yang to the Company for further follow-up through a standardized
disampaikan ke Perseroan untuk selanjutnya ditindaklanjuti. mechanism.
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Permasalahan terhadap Penerapan
Keuangan Berkelanjutan [OJK E.5]
Issues in the Implementation of Sustainable Finance (OJK E.5)
KB Bank berkomitmen untuk menerapkan program dan kegiatan KB Bank is committed to implementing programmes and
yang selaras dengan keuangan berkelanjutan sebagaimana activities that are aligned with sustainable finance as presented
disampaikan dalam Rencana Bisnis Bank (RBB) dan Rencana in the Bank’s Business Plan (RBB) and Sustainable Finance
Aksi Keuangan Berkelanjutan (RKAB) Tahun 2023. Selama Action Plan (RKAB) for the year 2023. During the reporting year,
tahun pelaporan, manajemen dan karyawan Perseroan telah the management and employees of the Company have made
berupaya secara maksimal melaksanakan program-program maximum efforts to implement the programmes in the RBB
dalam RBB dan RKAB tersebut. Dalam pelaksanaan tersebut, and RKAB. In this implementation, KB Bank faced both internal
KB Bank menghadapi permasalahan baik internal maupun and external problems that impacted the implementation of
eksternal sehingga berdampak terhadap pelaksanaan kegiatan activities and the achievement of activity targets.
maupun pencapaian target kegiatan.
Menghadapi permasalahan tersebut, Bank telah merumuskan To overcome these problems, the Bank has formulated and
dan menerapkan solusi terbaik dengan melakukan identifikasi implemented the best solution by identifying challenges and
tantangan dan hambatan pada masing-masing program yang obstacles in each planned program, coordinating between
direncanakan, melakukan koordinasi antar unit kerja yang work units responsible for the implementation, monitoring
bertanggungjawab terhadap implementasi, monitoring dan and evaluation of work programs, and conducting training and
evaluasi pada program kerja, serta melakukan pelatihan maupun dissemination related to work programs related to sustainable
sosialisasi terkait dengan program kerja yang berkaitan dengan finance.
keuangan berkelanjutan.
PT Bank KB Bukopin Tbk Sustainability Report 2023 85
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03 KINERJA KEBERLANJUTAN SUSTAINABLE PERFORMANCE 86 Laporan Keberlanjutan 2023
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KINERJA KEBERLANJUTAN SUSTAINABLE PERFORMANCE PT Bank KB Bukopin Tbk sebagai bagian dari lembaga jasa PT Bank KB Bukopin Tbk as part of a financial services institution keuangan di Indonesia berkomitmen untuk menerapkan in Indonesia is committed to implementing sustainable finance keuangan berkelanjutan sebagaimana diatur dalam POJK No.51/ as regulated in POJK No.51/POJK.03/2017 concerning the POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance for Financial Services bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik Institutions, Issuers and Public Companies or POJK Sustainable atau POJK Keuangan Berkelanjutan. Menurut peraturan ini, Finance. According to this regulation, sustainable finance is keuangan berkelanjutan adalah dukungan menyeluruh dari comprehensive support from the financial services sector to sektor jasa keuangan untuk menciptakan pertumbuhan create sustainable economic growth by harmonizing economic, ekonomi berkelanjutan dengan menyelaraskan kepentingan environmental and social interests. In a broad sense, sustainable ekonomi, lingkungan hidup, dan sosial. Dalam arti luas, finance for issuers and public companies can be interpreted keuangan berkelanjutan bagi emiten dan perusahaan publik as sustainable operations, namely company operational dapat dimaknai sebagai kegiatan berkelanjutan (sustainable activities that are carried out by taking into account economic, operation), yaitu kegiatan operasi perusahaan yang dijalankan environmental and social aspects. dengan memperhatikan aspek ekonomi, lingkungan hidup, dan sosial. Bagi Perseroan, keselarasan antara aspek ekonomi, lingkungan For the Company, harmony between economic, environmental hidup dan sosial merupakan suatu keharusan karena fungsi and social aspects is a necessity because the function of a suatu perusahaan bukan hanya mencetak laba tetapi juga company is not only to make profits but is also required to dituntut menjaga kelestarian lingkungan hidup dan menunjukkan preserve the environment and show concern for social issues. kepedulian pada isu-isu sosial. Lebih dari itu, Perseroan More than that, the Company believes that the harmony of meyakini keselarasan ketiga aspek merupakan pondasi penting these three aspects is an important foundation for realizing untuk mewujudkan bisnis yang berkesinambungan dengan a sustainable business by achieving optimal performance. pencapaian kinerja yang optimal. KEGIATAN MEMBANGUN BUDAYA ACTIVITIES TO BUILD A CULTURE KEBERLANJUTAN [OJK F.1] OF SUSTAINABILITY [OJK F.1] Dukungan PT Bank KB Bukopin Tbk terhadap keuangan PT Bank KB Bukopin Tbk support for sustainable finance berkelanjutan direalisasikan melalui berbagai kebijakan antara is realized through various policies, including conducting lain melakukan pembiayaan atau investasi yang selaras dengan financing or investments that are in line with sustainable kegiatan berkelanjutan, melaksanakan program prioritas activities, implementing priority programs as stated in the sebagaimana disampaikan dalam Rencana Aksi Keuangan Sustainable Finance Action Plan (RAKB), and implementing Berkelanjutan (RAKB), serta melaksanakan Tanggung Jawab Social and Environmental Responsibility (TJSL)/Corporate Sosial dan Lingkungan (TJSL)/Corporate Social Responsibility Social Responsibility (CSR). Furthermore, to realize effective (CSR). Selanjutnya, untuk mewujudkan penerapan keuangan implementation of sustainable finance, the Company uses 8 berkelanjutan yang efektif, Perseroan menggunakan 8 (delapan) (eight) sustainable finance principles as a guide, namely: prinsip keuangan berkelanjutan sebagai panduan yaitu: 1. Prinsip investasi bertanggung jawab; 1. Principles of responsible investment; 2. Prinsip strategi dan praktik bisnis berkelanjutan; 2. Principles of sustainable business strategies and practices; 3. Prinsip pengelolaan risiko sosial dan lingkungan hidup; 3. Principles of social and environmental risk management; 4. Prinsip tata kelola; 4. Governance principles; 5. Prinsip komunikasi yang informatif; 5. Principles of informative communication; 6. Prinsip inklusif; 6. Inclusive principle; 7. Prinsip pengembangan sektor unggulan prioritas; dan 7. The principle of developing priority leading sectors; And 8. Prinsip koordinasi dan kolaborasi. 8. Principles of coordination and collaboration. Berpedoman pada delapan prinsip tersebut, PT Bank KB Guided by these eight principles, PT Bank KB Bukopin Tbk has Bukopin Tbk menetapkan budaya keberlanjutan yang established a culture of sustainability which is socialized to all disosialisasikan kepada seluruh manajemen dan karyawan management and employees so that its existence becomes sehingga keberadaannya semakin kukuh. Budaya keberlanjutan stronger. Sustainability culture refers to the values and culture merujuk pada nilai dan budaya PT Bank KB Bukopin Tbk yaitu of PT Bank KB Bukopin Tbk, namely I CAN, which has been I CAN yang telah disahkan sesuai Surat Keputusan Direksi No. ratified in accordance with Decree of the Board of Directors 88 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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1092 Tahun 2019. Adapun sosialiasi untuk membangun budaya No. 1092 of 2019. The Company carries out socialization to keberlanjutan dilakukan Perseroan melalui berbagai media dan build a culture of sustainability through various media and kesempatan, seperti situs/website, media sosial, pertemuan opportunities, such as sites/websites, social media, meetings antara manajemen dengan karyawan atau pertemuan dengan between management and employees or meetings with work mitra kerja, masyarakat atau pemangku kepentingan eksternal partners, the community or other external stakeholders, both lainnya, baik yang terjadwal maupun yang insidental. scheduled and incidental. Sesuai maksud dan tujuan PT Bank KB Bukopin Tbk, sosialisasi In accordance with the aims and objectives of PT Bank KB budaya keberlanjutan juga dilakukan melalui berbagai kegiatan Bukopin Tbk, the socialization of a culture of sustainability is di bidang perbankan dan jasa keuangan lainnya dengan also carried out through various activities in the banking and berpedoman pada kaidah kegiatan berkelanjutan, seperti other financial services sector guided by the principles of tidak berdampak negatif terhadap lingkungan, melaksanakan sustainable activities, such as not having a negative impact program RAKB, TJSL/CSR, serta menerapkan operasional on the environment, implementing RAKB, TJSL/CSR programs, kantor yang ramah lingkungan. Operasional kantor ramah and implementing friendly office operations. environment. lingkungan diimplementasikan melalui serangkaian program Environmentally friendly office operations are implemented seperti efisiensi penggunaan kertas, listrik, bahan bakar through a series of programs such as efficient use of paper, minyak (BBM), air dan sebagainya. Seiring dengan itu, budaya electricity, fuel oil (BBM), water and so on. Along with that, the keberlanjutan yang juga dilaksanakan secara optimal oleh Company also implements a culture of sustainability optimally Perseroan adalah menciptakan lingkungan kerja yang aman by creating a safe and healthy work environment in accordance dan sehat sesuai dengan prinsip Kesehatan dan Keselamatan with the principles of Occupational Health and Safety (K3) Kerja (K3) dengan tujuan tidak terjadi kecelakaan kerja dan with the aim of preventing work accidents and work-related serta terdapat penyakit akibat kerja. diseases. PT Bank KB Bukopin Tbk Sustainability Report 2023 89
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MENGUKUHKAN KINERJA OPTIMAL PASCAPANDEMI SOLIDIFYING POST-PANDEMIC OPTIMAL PERFORMANCE SEKILAS EKONOMI GLOBAL A GLANCE AT GLOBAL AND DAN NASIONAL NATIONAL ECONOMY Kondisi perekonomian global tahun 2023 masih diliputi Global economic conditions in 2023 remains under the shadow ketidakpastian sejalan dengan dinamika perekonomian negara- of uncertainty as the economic dynamics of developed negara maju yang berdampak ke global. Amerika Serikat masih countries impacts the global world. The United States is still dihadapkan pada inflasi yang berada di atas target, tingginya facing inflation that is above target. Not to mention the high suku bunga, peningkatan tekanan fiskal, dan tergerusnya interest rates, increasing fiscal pressure, and eroding excess excess saving yang membayangi pelemahan ekonomi; China savings which overshadow economic weakness; China is still masih bergulat dengan pelemahan ekonomi pasca COVID-19; grappling with post-COVID-19 economic weakness; Meanwhile, sedangkan Eropa kondisi ekonominya melemah dengan defisit Europe’s economic conditions are weakening with an increasing fiskal yang meningkat diiringi oleh core inflation yang masih fiscal deficit accompanied by core inflation which is still high. tinggi. Selain faktor ekonomi, ketidakpastian perekonomian global Apart from economic factors, global economic uncertainty is juga dipengaruhi oleh kondisi geopolitik yang masih bergejolak. also influenced by the volatile geopolitical conditions. The war Perang di Rusia melawan Ukraina belum ada tanda-tanda in Russia against Ukraine shows no signs of ending, followed akan berakhir, berikutnya disusul dengan terjadinya konflik di by the conflict in the Middle East; Israel against Palestine, Timur Tengah, yaitu Israel melawan Palestina yang juga masih which is also still ongoing. This condition creates a downside berkepanjangan. Kondisi tersebut menimbulkan downside risk to the prospects for global economic growth, moreover risk terhadap prospek pertumbuhan ekonomi global, terlebih there is the possibility that war will spread, especially between lagi ada kemungkinan perang akan melebar, terkhusus antara Israel vs Palestine. Israel vs Palestina. Berkaca pada kondisi tersebut, lembaga ekonomi global Reflecting on these conditions, global economic institutions seperti Dana Moneter Internasional (IMF) dan Bank Dunia such as the International Monetary Fund (IMF) and the World memprediksi pertumbuhan ekonomi global tahun 2023 Bank predict that global economic growth in 2023 to be weaker melemah dibandingkan tahun sebelumnya. IMF melakukan than the previous year. The IMF made a revision by calling the revisi dengan menyebut angka pertumbuhan ekonomi global global economic growth figure only 3%, while the World Bank menjadi hanya 3%, sedangkan Bank Dunia justru menyebut actually put the figure at 2.1%. On the other hand, inflation is angka 2,1%. Di sisi lain, inflasi diprediksi mencapai level 5,8%, predicted to reach 5.8%, higher than the period before the lebih tinggi dibandingkan periode sebelum pandemi. pandemic. Di tengah perlambatan ekonomi global, merujuk data Badan In the midst of the global economic slowdown, referring to Pusat Statistik (BPS), ekonomi Indonesia berhasil menunjukkan data from the Central Statistics Agency (BPS), the Indonesian pertumbuhan berkelanjutan yaitu pada angka 5,05% (y-on-y). economy has succeeded in showing sustainable growth, namely Walau melambat dibandingkan tahun 2022 yang mencapai at 5.05% (y-on-y). Even though it is slowing compared to 2022 5,31%, pertumbuhan ekonomi Indonesia tersebut masih di atas which reached 5.31%, Indonesia’s economic growth is still above prediksi sejumlah lembaga ekonomi global. Bank Dunia, IMF, predictions from a number of global economic institutions. The dan Asian Development Bank (ADB), ketiganya memprediksi World Bank, IMF and Asian Development Bank (ADB) all predict pertumbuhan ekonomi Indonesia mencapai 5%. Indonesia’s economic growth to reach 5%. KINERJA LAPANGAN USAHA 2023 FINANCIAL SERVICES JASA KEUANGAN 2023 BUSINESS SECTOR PERFORMANCE Keberhasilan Indonesai meraih keberlanjutan ekonomi ditandai Indonesia’s success in achieving economic sustainability is dengan bertumbuhnya 17 (tujuh belas) lapangan usaha marked by the growth of 17 business fields which serve as yang dijadikan sebagai dasar bagi BPS dalam menyusun the basis for BPS in developing Indonesia’s economic growth. pertumbuhan ekonomi Indonesia. Lapangan usaha yang The business fields that experienced the highest growth are mengalami pertumbuhan tertinggi adalah Transportasi dan Transportation and Warehousing at 13.96%; followed by Other Pergudangan sebesar 13,96%; diikuti Jasa Lainnya sebesar Services at 10.52%; and Provision of Accommodation and Food 90 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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10,52%; dan Penyediaan Akomodasi dan Makan Minum sebesar and Drink amounting to 10.01%. Meanwhile, the Processing
10,01%. Sementara itu, Industri Pengolahan yang memiliki peran Industry which has a dominant role grew 4.64%. Meanwhile,
dominan tumbuh 4,64%. Sedangkan Pertanian, Kehutanan, Agriculture, Forestry and Fisheries as well as Wholesale and
dan Perikanan serta Perdagangan Besar dan Eceran; Reparasi Retail Trade; Car and Motorcycle Repairs grew by 1.30% and
Mobil dan Sepeda Motor masing-masing tumbuh sebesar 4.85% respectively. The two business fields with the highest
1,30% dan 4,85%. Dua lapangan usaha dengan pertumbuhan growth, namely Transportation & Warehousing, Other Services,
tertinggi yaitu Transportasi & Pergudangan, Jasa Lainnya, and Accommodation & Food and Drink, are driven by increased
serta Akomodasi & Makan Minum didorong oleh peningkatan community mobility; organizing international events, such as
mobilitas masyarakat; penyelenggaraan event internasional, the U-17 World Cup, ASEAN Summit meetings, Mandalika
seperti Piala Dunia U-17, pertemuan KTT ASEAN, MotoGP MotoGP, and preparations for general elections.
Mandalika, dan persiapan pemilihan umum.
Grafik Pertumbuhan PDB Beberapa Lapangan Usaha Tahun 2021-2023 (persen)
GDP Growth Graph for Several Business Fields 2021-2023 (percent)
3,39
4,89
4,64
4,63
5,53
4,85
1,87
1,30
4,38
2,81
3,24
19,87
13,96
4,63
4,85
1,56
3,60
4,95
4,00
4,01
5,53
4,77
2,25
6,12
1,93
6,10
2,01
Industri Perdagangan; Reparasi Pertanian, Pertambangan & Konstruksi Transportasi & Informasi & Jasa Keuangan & Lainnya
Pengolahan Mobil & Motor Kehutanan, & Penggalian Construction Pergudangan Komunikasi Asuransi Others
Processing Trading, Car & Perikanan Mining & Excavation Transportation & Information & Financial Services &
Industry Motorcycle Reparation Agriculture, Forestry Warehousing Communication Insurance
& Fisheries
Terkhusus lapangan usaha Jasa Keuangan dan Asuransi, In particular, the Financial Services and Insurance business
termasuk di dalamnya industri perbankan, pada tahun 2023 sector, including the banking industry, in 2023 will grow by
tumbuh sebesar 4,77%, meningkat signifikan dibanding tahun 4.77%, a significant increase compared to 2022 which reached
2022 yang mencapai 1,93%. Menurut Otoritas Jasa Keuangan 1.93%. According to the Financial Services Authority (OJK), the
(OJK), sektor perbankan tetap risilien di tengah tantangan banking sector remains resilient amidst global challenges. This
global. Lembaga ini menyebutkan hingga Oktober 2023 fungsi institution stated that until October 2023, the intermediation
intermediasi tumbuh optimal dengan pertumbuhan kredit function would grow optimally with credit growth recorded at
tercatat 8,99% secara tahunan (y-on-y). Berdasarkan tujuan 8.99% on an annual basis (y-on-y). Based on the objectives
pemberian kredit tercatat kredit investasi tumbuh 10,22%, of lending, investment credit grew 10.22%, working capital
kredit modal kerja tumbuh 8,10% dan kredit konsumsi tumbuh credit grew 8.10% and consumption credit grew 9.28%. The
9,28%. Adapun sektor ekonomi utama pendorong pertumbuhan main economic sectors driving credit growth were mining
kredit adalah pertambangan yang tumbuh sebesar 15,23%, which grew by 15.23%, transportation by 14.30%, agriculture
transportasi 14,30%, pertanian 8,62%, dan perdagangan 5,70%. by 8.62%, and trade by 5.70%.
Selaras dengan itu, pertumbuhan juga terjadai pada Dana In line with this, growth also occurred in Third Party Funds
Pihak Ketiga (DPK) yaitu sebesar 3,43%, yang ditopang (DPK), namely 3.43%, which was supported by growth in current
oleh pertumbuhan giro sebesar 6,01%. Sejumlah indikator accounts of 6.01%. A number of other banking performance
PT Bank KB Bukopin Tbk Sustainability Report 2023 91
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kinerja perbankan lainnya juga menunjukkan posisi aman. OJK indicators also show a safe position. OJK noted that banking mencatat, rasio-rasio perbankan terkait dengan masalah NPL ratios related to NPL (nonperforming loans/problematic (nonperforming loan/kredit bermasalah) dan lainnya terpantau credit) and other problems were observed to be improving, membaik, CAR (capital adequacy ratio/rasio kecukupan modal) CAR (capital adequacy ratio/capital adequacy ratio) was also pun tinggi. Secara rinci, kualitas kredit tetap terjaga dengan high. In detail, credit quality remains maintained with a banking rasio NPL net perbankan sebesar 0,77% dan NPL gross sebesar net NPL ratio of 0.77% and gross NPL of 2.42%. Meanwhile, 2,42%. Adapun, CAR telah mencapai 27,48% pada Oktober CAR has reached 27.48% in October 2023. Banking liquidity 2023. Kondisi likuiditas perbankan pun masih ample (atau jauh conditions are still fair (or far above the threshold) where the di atas threshold) di mana rasio alat likuid per DPK (AL/DPK) ratio of liquid assets per TPF (AL/DPK) reached the level of mencapai level 26,36% di atas ambang batas 10%. 26.36%, above the 10% threshold. Sementara itu, berdasarkan Survei Orientasi Bisnis Perbankan Meanwhile, based on the quarterly OJK Banking Business OJK (SBPO) triwulanan dari OJK, indeks orientasi bisnis Orientation Survey (SBPO), the banking business orientation perbankan berada di level 62 atau zona optimis. Responden index is at level 62 or the optimistic zone. Respondents dari perbankan memperkirakan kinerja perbankan akan tetap from banks estimate that banking performance will remain terjaga pada kuartal IV/2023. Optimisme kinerja perbankan maintained in the fourth quarter of 2023. Optimism about itu didorong oleh ekspektasi bahwa penyaluran kredit masih banking performance is driven by expectations that credit akan cukup baik sehingga berdampak pada peningkatan laba distribution will still be good enough to have an impact on dan modal perbankan. increasing banking profits and capital. Berdasarkan berbagai parameter di atas, secara umum, OJK Based on the various parameters above, in general, OJK menegaskan bahwa perbankan di Tanah Air pada 2023 resilien confirms that banking in the country in 2023 is resilient and dan daya tahannya bagus. Dalam hal ini, Indonesia bisa lepas has good endurance. In this case, Indonesia can escape global dari masalah global, misalnya krisis perbankan di AS yang problems, for example the banking crisis in the US which spread merembet ke Swiss. Pada awal tahun 2023, berbagai kalangan to Switzerland. In early 2023, various groups are concerned that mengkhawatirkan terjadi gangguan stabilitas sistem keuangan there will be disruption to the stability of the global financial global imbas bangkrutnya sejumlah bank di AS. system due to the bankruptcy of a number of banks in the US. INISIATIF STRATEGIS PT BANK BANK PT BANK KB BUKOPIN TBK KB BUKOPIN TBK TAHUN 2023 STRATEGIC INITIATIVES IN 2023 Keberhasilan pemerintah mengendalikan pandemi COVID-19 The government’s success in controlling the COVID-19 serta bertumbuhnya ekonomi Indonesia yang berkesinambungan pandemic and the sustainable growth of the Indonesian hingga tahun 2023 merupakan momentum bagi pelaku usaha economy until 2023 is a momentum for business players in the di industri perbankan untuk bangkit. Keleluasaan masyarakat banking industry to rise. The freedom for people to carry out untuk beraktivitas dan bekerja, termasuk menjalankan usaha, activities and work, including running a business, has become menjadi ceruk yang menarik bagi bank untuk menyalurkan an attractive niche for banks to distribute loans, or conversely pinjaman, atau sebaliknya menampung tabungan dari nasabah accommodate savings from customers who have returned to yang sudah kembali meraih penghasilan, bahkan menyisihkan income, even setting aside some of them for savings in the sebagian di antaranya untuk ditabung di bank. bank. PT Bank KB Bukopin Tbk sebagai salah satu pelaku di industri PT Bank KB Bukopin Tbk as one of the players in the banking perbankan terus berupaya untuk memperbaiki kinerja agar industry continues to strive to improve its performance bisa memanfaatkan peluang bertumbuhnya ekonomi pasca- so that it can take advantage of opportunities for post- pandemi. Untuk itu, Perseroan melakukan berbagai langkah pandemic economic growth. For this reason, the Company has dan kebijakan, mulai dari melakukan transformasi bisnis hingga implemented various steps and policies, starting from carrying penguatan digitalisasi. Langkah penguatan sejalan dengan out business transformation to strengthening digitalization. The dukungan penuh dari KB Kookmin Bank dan KB Financial Group strengthening steps are in line with full support from KB Kookmin sebagai pemegang saham pengendali. Seiring dengan itu, Bank and KB Financial Group as controlling shareholders. Along Perseroan juga terus berkomitmen untuk mengurangi jumlah with that, the Company also continues to be committed to kerugian dan mengalami penurunan dalam rasio loan at risk reducing the number of losses and experiencing a decrease (LAR). in the loan at risk (LAR) ratio. Secara spesifik, berbagai langkah dan program peningkatan Specifically, the various performance improvement steps and kinerja tersebut disampaikan dalam Rencana Bisnis Bank Tahun programs are presented in the Bank’s Business Plan for 2023. 2023. Lebih lanjut, PT Bank KB Bukopin Tbk telah membuat Furthermore, PT Bank KB Bukopin Tbk has created guidelines guideline untuk mencapai target dari rencana strategi yang for achieving the targets of the strategic plan that have been telah ditetapkan, serta telah pula menentukan langkah-langkah set, and has also determined strategic steps as the main strategi sebagai fondasi utama dalam mencapai aspirasi Bank foundation in achieve the Bank’s aspirations with the aim of dengan tujuan “Menjadi Institusi Keuangan Pilihan Utama di “Becoming the First Choice Financial Institution in Indonesia”. Indonesia”. Adapun tajuk strategik agenda PT Bank KB Bukopin The strategic headline of PT Bank KB Bukopin Tbk agenda for 92 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Tbk tahun 2023 adalah “BISA” yang bermakna Bank ingin 2023 is “BISA” which means the Bank wants to achieve progress
mencapai kemajuan bersama melalui perubahan mendasar together through fundamental changes with 4 main pillars,
dengan 4 pilar utama yaitu Boost Sales Performance, Innovation namely Boost Sales Performance, Innovation for Turnaround,
for Turnaround, Strengthening the Quality of Assets, Advanced Strengthening the Quality of Assets, Advanced IT & Digital.
IT & Digital.
Arah strategi PT Bank KB Bukopin Tbk tahun 2023, yaitu The strategic direction of PT Bank KB Bukopin Tbk in 2023,
Mencapai Kemajuan Bersama Melalui Perubahan Mendasar” namely “Achieving Mutual Progress Through Fundamental
disampaikan dalam bagan berikut: Change” is presented in the following chart:
Arah Strategi 2023
Mencapai Kemajuan Bersama Melalui Perubahan Mendasar
Strategy Direction
Achieving Shared Progress Through Fundamental Change
2023
Agenda Strategi Inti
Agenda Core Strategy
B I S A
Boost Sales Innovation for Strengthening Advanced IT
Performance Turnaround The Quality of & Digital
Assets
1. Fokus pada bisnis korporasi 4. Menciptakan Budaya berorientasi 8. Memperkuat strategi perbaikan 11. Mendorong akselerasi
(BUMN & Indo-Korea) dan Kinerja. bad loan dan monitoring secara infrastruktur IT (NGBS).
meningkatkan bisnis sindikasi 5. Membangun efisiensi sistem periodik. 12. Menciptakan digital channel yang
club deal. manajemen melalui optimalisasi 9. Menciptakan kedisiplinan dengan independen dan terdefrensiasi.
2. Perluasan basis nasabah terbaik channel. memperkuat fungsi Kepatuhan 13. Ekosisten Digital dan Platform
di UMKM & Ritel. 6. Pembaharuan dari inovasi dan Audit. Bisnis.
3. Memperkuat daya saing sales Manpower serta Struktur 10. Pencegahan transfer bad loan 11. Encourage acceleration of IT
dengan meningkatkan produk. Organisasi. secara menyeluruh melalui infrastructure (NGBS).
1. Focus on corporate business 7. Mengoptimalkan Efisiensi Biaya. preemptive delinquency
(SOE & Indo-Korea) and increase management. 12. Create independent and
4. Creating a Performance-oriented
club deal syndication business. 8. Strengthen bad loan recovery differentiated digital channels.
Culture.
2. Expansion of best customer base strategy and periodic monitoring. 13. Digital Existence and Business
in MSME & Retail. 5. Building management system
9. Create discipline by Platform.
3. Strengthen sales efficiency through channel
competitiveness by improving optimization. strengthening the Compliance
products. 6. Renewal of Manpower innovation and Audit function.
as well as Organizational 10. Thorough prevention of bad loan
Structure. transfer through preemptive
7. Optimizing Cost Efficiency delinquency management
improving products. improving products.
KINERJA EKONOMI BANK KB BANK KB BUKOPIN ECONOMIC
BUKOPIN TAHUN 2023 PERFORMANCE IN 2023
Sejalan dengan upaya untuk meraih kinerja optimal, PT Bank KB In line with efforts to achieve optimal performance, PT Bank KB
Bukopin Tbk secara konsisten melakukan sosialisasi berbagai Bukopin Tbk consistently disseminates various strategic plans
rencana dan kebijakan strategis yang telah ditetapkan dalam RBB and policies that have been stipulated in the 2023 RBB. To internal
tahun 2023. Kepada pemangku kepentingan internal, sosialisasi stakeholders, dissemination is carried out by utilizing various
dilakukan dengan memanfaatkan berbagai media dan kesempatan, media and opportunities, including when management holds
termasuk saat manajemen melakukan rapat yang terjadwal scheduled meetings and conferences. -other meetings that are
maupun pertemuan-pertemuan lain yang bersifat insidental. incidental. The socialization of this strategic policy is also part of
Sosialisasi kebijakan strategis tersebut sekaligus merupakan PT Bank KB Bukopin Tbk efforts to build a culture of sustainability.
bagian dari upaya PT Bank KB Bukopin Tbk membangun budaya As for outreach to external stakeholders, such as the government/
keberlanjutan. Adapun sosialisasi kepada pemangku kepentingan regional government, regulators, suppliers, customers and the
eksternal, seperti pemerintah/pemerintah daerah, regulator, public, among others, it is carried out through information on
pemasok, nasabah, dan masyarakat antara lain dilakukan melalui websites, press releases, social media, publishing information
informasi di website, press release, media sosial, penerbitan on sites/websites and so on. [OJK F.1]
informasi di situs/website dan sebagainya. [OJK F.1]
Selain melakukan sosialisasi, manajemen dengan dukungan Apart from conducting outreach, management with the support
karyawan secara konsisten melaksanakan inisiatif dan kebijakan of employees consistently implemented these strategic
strategis tersebut selama tahun pelaporan. Pelaksanaannya terus initiatives and policies during the reporting year. Implementation
dipantau dan dievaluasi sehingga Perseroan bisa menentukan continues to be monitored and evaluated so that the Company
solusi terbaik apabila ditemukan deviasi atau hambatan di can determine the best solution if deviations or obstacles are
lapangan. Komitmen dan konsistensi tersebut bermuara dengan found in the field. This commitment and consistency leads to
pencapaian target dan realisasi kinerja pendapatan dan laba rugi the achievement of targets and realization of revenue and
tahun 2023 sebagaimana tabel berikut:[GRI 3-3][OJK F.2] profit and loss performance in 2023 as in the following table:
[GRI 3-3][OJK F.2]
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Tabel Target dan Realisasi Kinerja Ekonomi KB Bukopin Tahun 2021-2023
Table of Targets and Realization of KB Bukopin’s Economic Performance for 2021-2023
2023 2022 2021
Target
Target Target
Uraian Realisasi dalam Realisasi Realisasi
dalam RBB % % dalam RBB %
Description Realization RBB Realization Realization
RBB Plan RBB Plan
RBB Plan
1 2 1:2 3 4 3:4 5 6 5:6
Kinerja Keuangan (Rp Miliar)
Financial Performance (IDR
Billion)
Total Aset 94.497 84.307 89,22% 86.095 84.704 98,38% 76.219 84.370.310 110,69%
Total Assets
Kredit yang diberikan 47.924 44.183 92,19% 42.544 45.985 108,09% 56.604 54.557 96,38%
Loans
Total Simpanan Nasabah 47.924 39.037 81,46% 42.560 46.696 109,72% 47.170 51.245 108,64%
Total Savings
Total Ekuitas 16.371 14.763 90,18% 14.887 11.217 75,35% 10.737.078 13.206 123,44%
Total Equity
Pendapatan Bunga Bersih 995 609 61,21% 892 846 94,87% 600 662 110,40%
Interest Income – nett
Pendapatan Operasional Selain 473 457 96,62% 414 500* 120,77%* 191.235 59.423 31,07%
bunga
Operating Income other than
interest
Beban Operasional Selain bunga (2.266) (2.280) 100,62% (2.854) (2.424)* 84,93%* (3.210) (2.655) 120,92%
Other Operating Expenses other
than interest
(Beban) Pemulihan CKPN (3.805) (5.248) 72,50% (5.095) (3.943) 129,22% (185) (957) 19,37%
CKPN Recovery (expense)
Pendapatan (Beban) Non (363) (128) 35,26% (181) (89) 49,17%* (617) (26) 2393,79%
Operasional Bersih
Non-operating Income (expense)
– nett
Rugi Bersih (3.873) (6.056) 156,36% (5.323) (5.033)* 94,55%* (2.513) (2.137) 117,55%
Nett Loss
Rasio Kinerja (Persen)
Performance Ratio (Percentage)
Rasio Kecukupan Modal 25.39% 27.05% 106.55% 26.78% 19.08% 71.24% 16.54% 20.26% 122.46%
Minimum (KPMM) dengan
memperhitungkan risiko kredit,
risiko pasar, dan operasional
CAR Ratio by taking into account
credit risk, market risk, and
operational risk
Aset produktif bermasalah dan 7.20% 6.27% 114.78% 7.92% 6.92% 114.51% 2.79% 10.79% 25.86%
aset non produktif bermasalah
terhadap total aset produktif dan
aset non produktif
Non-performing Earning Assets
and Non-performing Non-earning
Assets to Total Earning Assets
and Non-Earning Assets
Aset produktif bermasalah 4.42% 6.37% 69.31% 4.54% 4.09% 111.07% 3.13% 8.75% 35.79%
terhadap total aset produktif
Non-performing Earning Assets to
Total Earning Assets
Cadangan Kerugian Penurunan 4.45% 4.80% 107.97% 6.52% 1.93% 29.58% 2.94% 6.35% 216.08%
Nilai (CKPN) aset keuangan
terhadap aset produktif
Allowance for Impairment Losses
(CKPN) of Financial Assets to
Earning Assets
NPL gross 7.99% 9.56% 83.55% 8.34% 6.56% 127.13% 3.90% 10.66% 36.57%
Gross NPL
NPL nett 3.92% 4.87% 80.54% 3.93% 4.84% 81.10% 3.75% 4.91% 76.37%
Nett NPL
Return on Asset (ROA) -5.56% -7.71% 138.61% -8.39% -6.27% 74.77% -3.28% -4.93% 150.11%
Return on Asset (ROA)
94 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Tabel Target dan Realisasi Kinerja Ekonomi KB Bukopin Tahun 2021-2023
Table of Targets and Realization of KB Bukopin’s Economic Performance for 2021-2023
2023 2022 2021
Target
Target Target
Uraian Realisasi dalam Realisasi Realisasi
dalam RBB % % dalam RBB %
Description Realization RBB Realization Realization
RBB Plan RBB Plan
RBB Plan
1 2 1:2 3 4 3:4 5 6 5:6
Return on Equity (ROE) -48.82% -61.38% 125.74% -80.45% -82.58% 102.65% -39.89% -36.01% 90.27%
Return on Equity (ROE)
Net Interest Margin (NIM) 1.18% 0.78% 66.00% 1.28% 1.17% 91.38% 0.93% 1.00% 107.53%
Net Interest Margin (NIM)
Rasio Efisiensi (BOPO) 192.35% 223.24% 86.16% 258.62% 226.22% 114.32% 142.62% 171.20% 83.31%
Efficiency Ratio (BOPO)
Loan to Deposit Ratio (LDR) 100.00% 113.18% 113.18% 99.96% 98.48% 98.52% 120.00% 106.46% 88.72%
Loan to Deposit Ratio (LDR)
Nilai Liquidity Coverage Ratio (LCR)*
Liquidity Coverage Ratio (LCR)* Value
LCR secara individu 105.00% 129.92% 123.73% 105.00% 171.67% 163.50% 105.00% 160.22% 152.59%
Individual LCR
LCR secara konsolidasi 105.00% 122.94% 117.09% 105.00% 165.16% 157.30% 105.00% 161.01% 153.34%
Consolidated LCR
*disajikan kembali
*restated
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan mempublikasikan perhitungan dan nilai Liquidity Coverage Ratio (LCR) Triwulanan sebagaimana diatur dalam ketentuan
mengenai kewajiban pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum. Nilai LCR pertama kali disajikan untuk posisi laporan bulan Maret 2019.
*) Only filled in by Banks that are required to prepare and publish the calculation and value of the Quarterly Liquidity Coverage Ratio (LCR) as regulated in the provisions regarding the
obligation to fulfill the liquidity adequacy ratio (LCR) for commercial Banks. The LCR value was first presented for the March 2019 reportin
Informasi selengkapnya tentang kinerja ekonomi Perseroan Complete information about the economic performance of the
disampaikan dalam Laporan Tahunan Perseroan Tahun 2023 Company is presented in the Company’s 2023 Annual Report
pada Bab Analisa dan Pembahasan Manajemen yang dimulai in the Management Analysis and Discussion Chapter which
di halaman 118. begins on page 118.
Sementara itu, perbandingan antara target dan kinerja Meanwhile, a comparison between portfolio targets and
portofolio, target pembiayaan, atau investasi pada instrumen performance, financing targets, or investments in financial
keuangan atau proyek yang sejalan dengan penerapan instruments or projects that are in line with the implementation
Keuangan Berkelanjutan selama tahun 2023 disajikan dalam of Sustainable Finance during 2023 is presented in the following
tabel berikut: [OJK F.3] table: [OJK F.3]
Tabel Realisasi Penerapan Keuangan Berkelanjutan Tahun Table of Realization of the Implementation of Sustainable
2021-2023 (dalam Triliun Rupiah) Finance in 2021-2023 (in Trillions of Rupiah)
2023 2022 2021
Uraian
Description Realisasi Target Realisasi Target Realisasi Target
Realization Target Realization Target Realization Target
Jumlah produk yang memenuhi kriteria kegiatan usaha berkelanjutan
Number of products that meet the criteria for sustainable business activities
a. Penghimpunan Dana 0 - 0 - 0 -
a. Fund Raising
b. Penyaluran Dana 4,55 - 3,76 - 12,09 -
b. Fund Channeling
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
a. Total Kredit/Pembiayaan 4,55 - 3,76 - 12,09 -
Kegiatan Usaha Berkelanjutan
a. Total Credit/Financing for Sustainable
Business Activities
PT Bank KB Bukopin Tbk Sustainability Report 2023 95
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2023 2022 2021
Uraian
Description Realisasi Target Realisasi Target Realisasi Target
Realization Target Realization Target Realization Target
b. Total Non-Kredit/Pembiayaan 39,73 - 42,23 - 42,24 -
Non-Kegiatan Usaha
Berkelanjutan
b. Total Non-Credit/Financing for Non-
Sustainable Business Activities
Persentase total kredit/pembiayaan kegiatan 11,45 - 8,17 - 22,57 -
usaha berkelanjutan terhadap total kredit/
pembiayaan bank (%)
Percentage of total credit/financing for
sustainable business activities to total bank
credit/financing (%)
Sesuai tabel di atas, penyaluran dana oleh PT Bank KB Bukopin According to the table above, the distribution of funds by PT
Tbk yang memenuhi kriteria kegiatan usaha berkelanjutan Bank KB Bukopin Tbk which meets the criteria for sustainable
pada tahun 2023 mengalami kenaikan dibanding tahun 2022. business activities in 2023 will experience a increase compared
Adapun persentase total kredit/pembiayaan kegiatan usaha to 2022. The percentage of total credit/financing for sustainable
berkelanjutan terhadap total kredit/pembiayaan Bank pada business activities to the total credit/financing of the Bank in
tahun 2023 mencapai 11,45%, naik dibandingkan tahun 2022 2023 will reach 11.45%, up compared to 2022 which reached
yang mencapai 8,17%. 8.17%.
DISTRIBUSI NILAI EKONOMI DISTRIBUTION OF ECONOMIC VALUE
Seusai dengan pencapaian kinerja di atas, maka distribusi nilai In accordance with the above performance achievements,
ekonomi PT Bank KB Bukopin Tbk, yaitu nilai ekonomi langsung the distribution of PT Bank KB Bukopin Tbk economic value,
yang dihasilkan, nilai ekonomi yang didistribusikan, dan nilai namely the direct economic value produced, the distributed
ekonomi yang disimpan dapat dipetakan. Nilai ekonomi langsung economic value and the saved economic value can be
yang dihasilkan adalah sejumlah pendapatan yang diperoleh mapped. The direct economic value generated is the amount
dari hasil kegiatan bisnis Perseroan. Sedangkan nilai ekonomi of income obtained from the results of the Company’s business
yang didistribusikan merupakan sejumlah pengeluaran yang activities. Meanwhile, distributed economic value is a number
didistribusikan sebagai bentuk kontribusi Perseroan dalam of expenditures distributed as a form of the Company’s
meningkatkan laju pertumbuhan ekonomi dan kesejahteraan contribution to increasing the rate of economic growth and
para pemangku kepentingan, seperti pembayaran gaji, pajak, welfare of stakeholders, such as payment of salaries, taxes,
dividen, pembayaran untuk pemasok, maupun realisasi dana untuk dividends, payments to suppliers, as well as the realization
masyarakat sebagai salah satu bentuk perwujudan Tanggung of funds for the community as a form of manifestation
Jawab Sosial dan Lingkungan (TJSL), yang diimplementasikan of Social Responsibility. and Environment (TJSL), which is
melalui berbagai Program Tanggung Jawab Sosial Perusahaan implemented through various Corporate Social Responsibility
(Corporate Social Responsibility/CSR). Adapun nilai ekonomi (CSR) Programs. The economic value saved is the difference
yang disimpan adalah selisih antara nilai ekonomi yang dihasilkan between the economic value produced minus the economic
dikurangi dengan nilai ekonomi yang didistribusikan, yang value distributed, which is used to continue and develop Bank
digunakan untuk melanjutkan dan mengembangkan usaha PT PT Bank KB Bukopin Tbk business. [GRI 3-3, 201-1]
Bank KB Bukopin Tbk. [GRI 3-3, 201-1]
URAIAN
2023 2022 2021
Description
Nilai Ekonomi Langsung yang Dihasilkan
Generated Direct Economic Value
Pendapatan Bunga dan Syariah
Interest and Sharia Income
Pendapatan Bunga 4.374.694 3.721.413 3.919.306
Interest Income
Pendapatan Syariah 486.942 407.257 298.309
Sharia Income
Pendapatan operasional lainnya
Other Operating Income
Provisi dan komisi lainnya 333.732 323.340 419.959
Other fees and commissions
96 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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URAIAN
2023 2022 2021
Description
Keuntungan (kerugian) atas penjualan surat-surat berharga-neto (8.899) 13.082 19.498
Gain (loss) on sale of marketable securities – nett
Keuntungan (kerugian) selisih kurs – neto 29.265 31.815 (423.525)
Gain (loss) on foreign exchane – net
Lain-lain 102.429 131.272 135.233
Others
Total Nilai Ekonomi Langsung yang Dihasilkan 5.318.163 4.628.179 4.368.780
TotalGenerated Direct Economi Value
Nilai Ekonomi Langsung yang Distribusikan
Distributed Direct Economic Value
Beban Bunga dan Syariah (4.052.754) (3.079.167) (3.388.098)
Interest expense and sharia charges
Beban Penyisihan Kerugian Penurunan Nilai atas Aset Keuangan – (5.537.792) (3.948.482) (1.051.148)
Neto
Provision of allowance for impairment losses on Financial Assets –
Nett
Beban Penyisihan Kerugian Penurunan Nilai atas Aset Non- (269.055) (81.325) (95.606)
Keuangan-Neto
Provision of allowance for impairment losses on Non-Financial
Assets – nett
Beban Operasional Lainnya (Umum dan Administrasi termasuk Gaji (2.280.382) (2.424.240) (3.043.349)
dan Tunjangan Karyawan, serta Program Penjaminan Pemerintah)
Other operating expenses (General and Administration including
Salaries and Employee benefit, and Premium on Government
Guarantee program
Dana Pengembangan Sosial dan Kemasyarakatan (CSR) (758) (937) (1.657)
Social and Community Development Fund (CSR)
Total Ekonomi Langsung yang Didistribusikan (12.140.741) (9.533.214) (7.579.858)
Total Distributed Direct Economic Value
Nilai Ekonomi yang Disimpan (6.822.578) (4.905.035) (3.211.078)
Retained Economic Value
Merujuk tabel di atas, nilai ekonomi langsung yang dihasilkan Referring to the table above, the direct economic value
PT Bank KB Bukopin Tbk tahun 2023 tercatat sebesar Rp5.318.163 generated by PT Bank KB Bukopin Tbk in 2023 was recorded
juta, naik dibanding tahun 2022 yang mencapai Rp4.628.179 juta. at IDR5,318,163 million, an increase compared to 2022 which
Kenaikan dipengaruhi oleh meningkatnya pendapatan bunga dan reached IDR 4,628,179 million. The increase is influenced by the
pendapatan syariah pada tahun pelaporan dibandingkan tahun increase in interest income and sharia income in the reporting
sebelumnya. year compared to the previous year
Adapun nilai ekonomi langsung yang didistribusikan pada tahun The direct economic value distributed in the reporting year
pelaporan sebesar Rp12.140.741 juta, naik dibandingkan tahun amounted to IDR12,140,741million, an increase compared to
2022 yang tercatat sebesar Rp9.533.214 juta. Kenaikan antara lain 2022 which was recorded at IDR9,533,214 million. The increase
dipengaruhi oleh bertambahnya beban bunga dan syariah serta was influenced, among other things, by increases in interest
beban penyisihan kerugian penurunan nilai atas aset keuangan – and sharia expenses as well as expenses for provisions for
neto, serta beban penyisihan kerugian penurunan nilai atas aset impairment losses on financial assets - net, as well as expenses
non-keuangan-neto. for provisions for impairment losses on non-financial assets
- net.
Sementara itu, nilai ekonomi langsung yang disimpan tahun 2023 Meanwhile, the direct economic value saved in 2023 was
tercatat sebesar Rp(6.822.578) juta, turun dibandingkan tahun recorded at IDR(6,822,578) million, a decrease compared to
2022 yang mencapai Rp(4.905.035) juta. Penurunan sejalan 2022 which reached IDR(4,905,035) million. The decrease
dengan meningkatnya total ekonomi yang didistribusikan sebagai is in line with the increase in total economic distribution as
kewajiban yang harus dibayarkan Bank, baik kepada pemangku obligations that must be paid by the Bank, both to internal
kepentingan internal seperti gaji dan tunjangan karyawan maupun stakeholders such as employee salaries and benefits and
pemangku kepentingan eksternal seperti pembayaran beban external stakeholders such as payment of interest expenses,
bunga, pembayaran kepada pemasok, CSR dan sebagainya. payments to suppliers, CSR and so on.
PT Bank KB Bukopin Tbk Sustainability Report 2023 97
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PENGUNGKAPAN KERANGKA DISCLOSURE OF GOVERNANCE
GOVERNANSI, PENGELOLAAN DAN FRAMEWORK, MANAGEMENT AND
PENGENDALIAN ASPEK PERPAJAKAN CONTROL OF TAX ASPECTS
PT Bank KB Bukopin Tbk berkomitmen untuk berkontribusi PT Bank KB Bukopin Tbk is committed to contributing to
terhadap pembangunan berkelanjutan di Indonesia melalui sustainable development in Indonesia through compliance
ketaatan dalam pembayaran pajak. Selama tahun 2023, with tax payments. During 2023, the Company has complied
Perseroan telah mematuhi semua peraturan dan memenuhi with all regulations and fulfilled its tax obligations in accordance
kewajiban pajak sesuai dengan hukum dan peraturan yang with applicable laws and regulations. Thus, the Company did
berlaku. Dengan demikian, Perseroan tidak menerima not receive any warnings or significant sanctions/fines related
peringatan apapun atau sanksi/denda yang signifikan terkait to taxation until December 31, 2023. [GRI 2-27]
dengan perpajakan sampai dengan 31 Desember 2023.
[GRI 2-27]
Pengelolaan pajak di PT Bank KB Bukopin Tbk dilakukan oleh Tax management at PT Bank KB Bukopin Tbk is carried out
Departemen Akuntansi & Perpajakan & di bawah Direktur by Accounting & Taxation Department & under the Director
Keuangan, yang sekaligus merupakan badan tata kelola of Finance, who is also the highest governance body that
tertinggi yang secara resmi meninjau dan menyetujui strategi officially reviews and approves tax strategies in the Company.
pajak di Perseroan. Sebagai wajib pajak, PT Bank KB Bukopin As a taxpayer, PT Bank KB Bukopin Tbk is committed to
Tbk berkomitmen untuk menghindari pelanggaran peraturan avoiding violations of tax regulations so as not to be subject to
perpajakan agar tidak terkena saksi administrasi, baik berupa administrative sanctions, whether in the form of administrative
sanksi denda administrasi, sanksi bunga, sanksi kenaikan, fines, interest sanctions, increased sanctions, as well as criminal
serta sanksi pidana atau kurungan. sanctions or imprisonment.
Sebagai salah satu bagian dari perencanaan pajak, Departemen As part of tax planning, the Accounting & Taxation Department
Akuntansi & Perpajakan melakukan sosialisasi tentang carries out socialization about tax risk management to all PT
manajemen risiko pajak kepada seluruh insan PT Bank KB Bank KB Bukopin Tbk personnel.
Bukopin Tbk.
Berkaitan dengan laporan pajak, PT Bank KB Bukopin Tbk Regarding tax reporting, PT Bank KB Bukopin Tbk only operates
hanya beroperasi di Indonesia dan tidak memiliki cabang atau in Indonesia and does not have branches or operational offices
kantor operasional di luar negeri, Dengan demikian, laporan abroad. Thus, tax reporting is only done for Indonesia. The
perpajakan hanya dilakukan untuk Indonesia. Adapun pajak complete taxes paid by the Company in 2023 are as follows:
yang dibayarkan Perseroan tahun 2023 selengkapnya adalah
sebagai berikut:
Uraian
2023 2022 2021
Description
PPh Badan - - -
Corporate Income Tax
PPh Perorangan 64.930.679.520 59.431.443.598 42.992.024.330
Individual Income Tax
PPN VAT 18.404.235.074 26.495.496.143 4.894.892.172
Pajak Lainnya:
Other Taxes
PPh Pasal 23 15.584.706.000 12.322.569.499 16.373.124.722
Article 23 Income Tax
PPh Pasal 26 124.005.791.747 41.862.476.780 1.618.427.924
Article 26 Income Tax
PPh Pasal 4 ayat 2 404.045.662.323 333.126.561.294 439.632.802.527
Article 4 Paragraph 2 Income Tax
Lainnya (Materai) 1.031.740.000 502.650.000 1.108.585.000
Other (Revenue Stamp)
Jumlah Pembayaran Pajak 628.002.814.664 473.741.197.314 506.619.856.675
Total Tax Payment
IMPLIKASI FINANSIAL SERTA FINANCIAL IMPLICATIONS AND
RISIKO DAN PELUANG LAIN AKIBAT OTHER RISKS AND OPPORTUNITIES
DARI PERUBAHAN IKLIM RESULTING FROM CLIMATE CHANGE
Saat ini warga dunia tengah menghadapi masalah besar Currently, the world are facing massive issues that require
98 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 99
yang menuntut kontribusi bersama untuk menanganinya. joint contributions to deal with them. The problem is climate
Masalah tersebut adalah perubahan iklim dan pemanasan change and global warming, the negative impacts of which
global yang dampak negatifnya kian terasa. Dampak yang are increasingly being felt. The impacts that occur include
terjadi, antara lain, cuaca ekstrem, suhu udara lebih panas extreme weather, the air temperature is hotter than before, the
dibanding sebelumnya, hujan turun lebih deras dan waktunya rain falls more heavily and the timing is increasingly difficult
kian sulit ditebak; sebaliknya, saat musim kemarau datang to predict; On the other hand, when the dry season comes, it
maka waktunya lebih lama dari biasanya sehingga memicu lasts longer than usual, triggering crop failure and so on. Not
gagal panen dan sebagainya. Tak hanya menimbulkan bencana only does it cause environmental disasters, climate change also
lingkungan, perubahan iklim juga berdampak negatif terhadap has a negative impact on human life and other living creatures.
kehidupan manusia dan makhluk hidup lainnya. [GRI 3-3] [GRI 3-3]
Dampak negatif perubahan iklim yang dipicu oleh pemanasan The negative impact of climate change triggered by global
global menjadi tantangan seluruh sektor bisnis dan industri warming is a challenge for all business and industrial sectors
di Indonesia, termasuk industri perbankan. Dampak tersebut in Indonesia, including the banking industry. These impacts
antara lain semakin seringnya terjadi bencana hidrometeorologi, include the increasing frequency of hydrometeorological
yaitu bencana yang diakibatkan oleh aktivitas cuaca seperti disasters, namely disasters caused by weather activities
siklus hidrologi, curah hujan, temperatur, angin dan kelembapan. such as the hydrological cycle, rainfall, temperature, wind
Bentuk bencana hidrometeorologi sangat beragam seperti and humidity. The forms of hydrometeorological disasters are
banjir, badai, longsor, angin puyuh, dan sebagainya. [GRI 201 -2] very diverse, such as floods, storms, landslides, whirlwinds,
and so on. [GRI 201 -2]
Lebih lanjut, apabila korban dari bencana tersebut adalah Furthermore, if the victims of the disaster are customers, it
nasabah, maka hal tersebut akan meningkatkan risiko kredit will increase credit risk for banks. However, as of December
bagi perbankan. Walau demikian, per 31 Desember 2023, KB 31, 2023, KB Bukopin has not established mitigation and has
Bukopin belum menetapkan mitigasi serta belum menghitung not calculated the financial implications of climate change.
implikasi finansial akibat perubahan iklim. [GRI 201-2] [GRI 201-2]
KEWAJIBAN PROGRAM OBLIGATIONS OF DEFINED
PENSIUN MANFAAT PASTI DAN BENEFIT PENSION PLANS AND
PROGRAM PENSIUN LAINNYA OTHER PENSION PLANS
PT Bank KB Bukopin Tbk memberikan imbalan pasca kerja PT Bank KB Bukopin Tbk provides post-employment benefits to
kepada karyawan tetap yang telah mencapai usia pensiun permanent employees who have reached normal retirement age
normal pada umur 56 tahun berdasarkan Undang-Undang at the age of 56 years old based on the Constitution Number 6
Nomor 6 Tahun 2023 tentang Penetapan Peraturan Pemerintah of 2023 concerning the Stipulation of Government Regulations
Pengganti Undang-Undang Nomor 2 Tahun 2022 tentang Cipta in Lieu of Law Number 2 of 2022 concerning Job Creation into
Kerja menjadi Undang-Undang dan PP No. 35 Tahun 2021 dan Law and PP No. . 35 of 2021 and recognize post-employment
mengakui liabilitas imbalan pasca kerja sesuai dengan PSAK benefits liabilities in accordance with PSAK 24 (Revised 2013)
24 (Revisi 2013) tentang Imbalan Kerja. Asumsi aktuarial dan concerning Employee Benefits. The actuarial assumptions
metode yang digunakan untuk mengukur liabilitas pasca kerja, and methods used to measure post-employment liabilities,
beban dan liabilitas kerja karyawan telah memadai dan disajikan employee work expenses and liabilities are adequate and
menurut estimasi terbaik kami atas kondisi masa depan. Adapun presented according to our best estimate of future conditions.
jumlah karyawan Perseroan yang berhak atas imbalan pasca There are 19 employees of the Company who are entitled
kerja pada tanggal 31 Desember 2023 adalah 19 karyawan, to post-employment benefits as of 31 December 2023, a
turun dibandingkan tahun 2022 yang mencapai 28 karyawan. decrease compared to 2022 which amounted to 28 employees.
[GRI 3-3, 201-3] [GRI 3-3, 201-3]
Perseroan mempunyai program pensiun sesuai dengan The Company has a pension program in accordance with
Undang-Undang Nomor 6 Tahun 2023 atau Perjanjian Kerja Law Number 6 of 2023 or the Collective Labor Agreement
Bersama (“PKB”) atau Peraturan Perusahaan (“PP”). Oleh (“PKB”) or Company Regulations (“PP”). Because Law Number
karena Undang-Undang Nomor 6 Tahun 2023 atau UU 6 of 2023 or the Employment Law or PKB or PP determines a
Ketenagakerjaan atau PKB atau PP menentukan rumus tertentu certain formula for calculating the minimum amount of pension
untuk menghitung jumlah minimal imbalan pensiun, pada benefits, basically, the pension program based on Number
dasarnya, program pensiun berdasarkan Nomor 6 Tahun 2023 6 of 2023 or the Employment Law or PKB or PP is a defined
atau UU Ketenagakerjaan atau PKB atau PP adalah program contribution program.
iuran pasti.
Program pensiun iuran pasti adalah program pensiun yang A defined contribution pension program is a pension program
menentukan jumlah iuran pensiun yang akan dibayarkan, yang that determines the amount of pension contributions to be paid,
PT Bank KB Bukopin Tbk Sustainability Report 2023 99
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pemberiannya biasanya didasarkan pada satu faktor atau lebih the provision of which is usually based on one or more factors
seperti masa kerja atau kompensasi. Kewajiban program iuran such as years of service or compensation. Defined contribution
pasti yang diakui di laporan posisi keuangan konsolidasian plan obligations recognized in the consolidated statement of
dihitung sebesar nilai kini dari estimasi kewajiban imbalan pasca financial position are calculated at the present value of the
kerja di masa depan yang timbul dari jasa yang telah diberikan estimated future post-employment benefit obligations arising
oleh karyawan pada masa kini dan masa lalu. Perhitungan from services provided by employees currently and in the past.
dilakukan oleh aktuaris independen dengan metode projected Calculations are carried out by independent actuaries using
unit credit. the projected unit credit method
Biaya pemutusan kontrak kerja dan keuntungan/kerugian Employment contract termination costs and curtailment
kurtailmen diakui pada periode dimana PT Bank KB Bukopin Tbk gains/losses are recognized on period during which PT Bank
menunjukkan komitmennya untuk mengurangi secara signifikan KB Bukopin Tbk demonstrated its commitment to reducing
jumlah pekerja yang ditanggung oleh program. [GRI 3-3] significant number of workers covered by the program.
[GRI 3-3]
Sejak tahun 2008, PT Bank KB Bukopin Tbk juga memberikan Since 2008, PT Bank KB Bukopin Tbk has also given service
penghargaan masa dinas untuk karyawan yang telah awards to employees who have completed 10 years or more of
menyelesaikan masa kerja selama 10 tahun atau lebih. Untuk service. For these benefits, PSAK 24 (Revised 2013) requires
manfaat tersebut, PSAK 24 (Revisi 2013) mengharuskan accounting treatment that is almost the same as accounting
perlakuan akuntansi yang hampir sama dengan akuntansi for defined benefit plans, except that all actuarial gains and
untuk program manfaat pasti, kecuali bahwa semua keuntungan losses that arise must be recognized at the same time as profit
dan kerugian aktuarial yang timbul harus diakui sekaligus laba or loss for the current year.
rugi tahun berjalan.
Sejak tahun 2014, PT Bank KB Bukopin Tbk memberikan imbalan Since 2014, PT Bank KB Bukopin Tbk has provided retirement
masa persiapan pensiun yaitu imbalan kepada karyawan preparation period benefits, namely benefits to employees
sebelum usia pensiun di mana karyawan dibebaskan dari before retirement age where employees are freed from routine
tugas-tugas rutin dan tidak perlu masuk kerja, tetapi tetap duties and do not need to come to work, but still receive
memperoleh fasilitas kepegawaian tertentu. Sementara itu, certain employment facilities. Meanwhile, since 2013, PT Bank
sejak tahun 2013, PT Bank KB Bukopin Tbk memberikan asuransi KB Bukopin Tbk has provided retirement health insurance
kesehatan pensiun kepada karyawan yang telah memasuki usia to employees who have reached retirement age and their
pensiun dan pasangannya selama 2 tahun setelah tanggal spouses for 2 years after the employee’s retirement date.
karyawan pensiun. Estimasi kewajiban untuk imbalan ini dihitung The estimated liability for these benefits is calculated using
dengan menggunakan perlakuan akuntansi yang sama dengan the same accounting treatment as for defined benefit pension
perhitungan untuk program pensiun imbalan pasti. plans.
BANTUAN FINANSIAL YANG FINANCIAL ASSISTANCE RECEIVED
DITERIMA DARI PEMERINTAH FROM THE GOVERNMENT
PT Bank KB Bukopin Tbk merupakan perusahaan swasta yang PT Bank KB Bukopin Tbk is a private company in the form of a
berbentuk perseroan terbatas dan bergerak di bidang jasa limited liability company and operates in the banking financial
keuangan perbankan. Per 31 Desember 2023, saham Perseroan services sector. As of 31 December 2023, the Company’s
dimiliki oleh KB Kookmin Bank sebesar 66.88%, STIC Eugene shares are owned by KB Kookmin Bank amounting to 66.88%,
Star Holdings Inc. 16,98% dan Publik/Masyarakat sebesar STIC Eugene Star Holdings Inc. 16.98%, and the Public/
16,14%. Selama tahun pelaporan, PT Bank KB Bukopin Tbk Community amounting to 16.14%. During the reporting year,
menjalankan operasional dan meraih kinerja optimal tanpa PT Bank KB Bukopin Tbk carried out operations and achieved
menerima bantuan finansial yang diterima dari pemerintah, optimal performance without receiving financial assistance
baik dalam bentuk pembebasan pajak dan kredit pajak, subsidi, from the government, either in the form of tax exemptions
hibah investasi, maupun bentuk lainnya. [GRI 3-3, 201-4] and tax credits, subsidies, investment grants, or other forms.
[GRI 3-3, 201-4]
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PT Bank KB Bukopin Tbk Sustainability Report 2023 101
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MENGOPTIMALKAN PORTOFOLIO HIJAU KEBAIKAN MASA DEPAN OPTIMIZING THE GREEN PORTFOLIO FOR THE FUTURE Tuntutan dan perhatian warga global untuk menerapkan The demands and attention of global citizens to implement konsep green economy, yaitu setiap kegiatan ekonomi harus the concept of a green economy - every economic activity meminimalkan dampaknya bagi lingkungan, semakin menguat that are required to minimize its impact on the environment saat ini. Kegiatan ekonomi termasuk di dalamnya pembangunan – are increasingly stronger nowadays. Economic activities di semua aspek kehidupan. Tuntutan tersebut tidak lepas dari mentioned include development in all aspects of life. This kondisi faktual yaitu penyelenggaraan pembangunan yang demand is inseparable from the factual conditions of how hanya menargetkan pertumbuhan ekonomi akan menyebabkan the development implementation that only targets economic kesenjangan sosial dan penurunan kualitas lingkungan hidup growth will lead to social inequality and a decline in the quality dengan segala implikasinya. of the environment with all its implications. Operasional usaha industri perbankan tidak berdampak Banking industry business operations do not have a direct langsung terhadap kelestarian lingkungan maupun kesenjangan impact on environmental sustainability or social inequality. sosial. Namun demikian, sebagai lembaga penyalur kredit, However, as a credit distribution institution, banking has a perbankan memiliki peran dan tanggung jawab yang tinggi untuk crucial role and responsibility to support the implementation of mendukung implementasi green economy. Untuk memenuhi the green economy. To fulfill this responsibility, banks transform tanggung jawab itu, perbankan melakukan transformasi dalam their behavior and activities by promoting and implementing perilaku dan kegiatannya dengan mengusung dan menerapkan green banking, namely banking efforts to prioritize the fulfillment green banking, yaitu upaya perbankan untuk mengutamakan of sustainability in their operational activities. pemenuhan keberlanjutan dalam kegiatan operasionalnya. Keberlanjutan ditandai dengan adanya komitmen kalangan Sustainability is characterized by the commitment of banking perbankan untuk mengedepankan keselarasan antara circles to prioritize harmony between achieving economic, social pencapaian aspek ekonomi, sosial, dan lingkungan hidup. and environmental aspects. This alignment is implemented Keselarasan tersebut diiimplementasikan dengan menerapkan by applying Environmental Social and Governance (ESG) prinsip Environmental Social and Governance (ESG) yang principles which are realized through policies to optimize the diwujudkan melalui kebijakan mengoptimalkan portofolio hijau. green portfolio. With such a commitment, apart from reducing Dengan komitmen seperti itu, selain mengurangi kesenjangan, inequality, banking activities also contribute to avoiding maka aktivitas perbankan turut berkontribusi untuk menghindari environmental damage so that the earth becomes a suitable kerusakan lingkungan sehingga bumi menjadi tempat tinggal place to live. yang layak. Merujuk pada implementasi green banking dan ESG, industri Referring to the implementation of green banking and ESG, the perbankan dituntut untuk melakukan kajian mendalam dan banking industry is required to carry out in-depth studies and seleksi sejak awal terhadap pembiayaan yang diajukan early selection of financing proposed by prospective debtors. oleh calon debitur. Berdasarkan kajian tersebut, Bank akan Based on this study, the Bank will decide whether or not to memutuskan untuk memberikan atau tidak memberikan provide a loan depending on the extent to which the activities pinjaman tergantung sejauh mana kegiatan yang akan dibiayai to be financed with the bank loan might have an impact on dengan pinjaman bank berdampak pada lingkungan. the environment. Kontribusi perbankan terhadap kelestarian lingkungan Banking’s contribution to environmental sustainability is merupakan kepatuhan terhadap Undang-Undang Republik compliance with Law of the Republic of Indonesia Number 10 Indonesia Nomor 10 Tahun 1998 tentang Perubahan Atas of 1998 concerning Amendments to Law Number 7 of 1992 Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan, concerning Banking, which regulates the principle of prudence in yang di dalamnya mengatur tentang prinsip kehati-hatian lending. Regulations regarding the need for banks to contribute dalam penyaluran kredit. Regulasi tentang perlunya perbankan to environmental sustainability are further regulated in Law berkontribusi terhadap kelestarian lingkungan selanjutnya of the Republic of Indonesia Number 32 of 2009 concerning diatur dalam Undang-Undang Republik Indonesia Nomor 32 Environmental Protection and Management. In Article 43, Tahun 2009 tentang Perlindungan dan Pengelolaan Lingkungan paragraph (3), letter c there is a clause, “Development of Hidup. Dalam Pasal 43, ayat (3), huruf c terdapat klausul, environmentally friendly financial institution and capital market “Pengembangan sistem lembaga keuangan dan pasar modal systems.” In its development, the Financial Services Authority yang ramah lingkungan hidup.” Dalam perkembangannya, Regulation No.51/POJK.03/2017 concerning the Implementation kemudian terbit Peraturan Otoritas Jasa Keuangan No.51/ of Sustainable Finance for Financial Services Institutions, POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan Issuers and Public Companies (POJK Sustainable Finance) 102 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik was issued. (POJK Keuangan Berkelanjutan). Implementasi green banking dan ESG di Indonesia merupakan The implementation of green banking and ESG in Indonesia kontribusi industri perbankan terhadap pelestarian lingkungan is the banking industry’s contribution to environmental dan mengurangi emisi karbon sebagai salah satu penyebab preservation and reducing carbon emissions as one of the pemanasan global dan perubahan iklim. Dengan demikian, causes of global warming and climate change. Thus, this implementasi tersebut sekaligus merupakan bagian dari implementation is also part of a global movement to face the gerakan global dalam menghadapi krisis iklim yang dampak climate crisis whose negative impacts are increasingly being negatifnya kian terasa saat ini. Tanpa sinergi semua pemangku felt today. Without the synergy of all stakeholders, including kepentingan, termasuk korporasi di industri perbankan, krisis corporations in the banking industry, a continuing climate crisis iklim yang berkesinambungan akan mengganggu pertumbuhan will disrupt economic growth, as well as potentially affecting ekonomi, sekaligus berpotensi memengaruhi kinerja industri the performance of the banking industry. perbankan. KOMITMEN BANK PT BANK PT BANK KB BUKOPIN KB BUKOPIN TBK TBK COMMITMENT PT Bank KB Bukopin Tbk sebagai korporasi yang tumbuh dan PT Bank KB Bukopin Tbk as a corporation that is growing and berkembang di Indonesia, sekaligus dalam posisinya sebagai developing in Indonesia, as well as in its position as Bank Group Kelompok Bank Berdasarkan Modal Inti II (bank dengan modal Based on Core Capital II (banks with core capital of more than IDR inti lebih dari Rp 6 triliun sampai dengan Rp 14 triliun, dalam 6 trillion to IDR 14 trillion, in the previous grouping were included pengelompokan sebelumnya masuk sebagai Bank Umum as Commercial Banks with Business Activities [BUKU] III, which Kegiatan Usaha [BUKU] III, yaitu bank dengan modal inti categorize banks with core capital of IDR 5-30 trillion) that Rp5-30 triliun) mendukung implementasi keuangan berkelanjutan supports the implementation of sustainable finance as regulated sebagaimana diatur dalam POJK Keuangan Berkelanjutan. in the Sustainable Finance POJK. The support is actualized by Dukungan diwujudkan dengan mengadopsi konsep green adopting the concept of green economy and green banking economy dan green banking dengan menerapkan prinsip by applying ESG principles by accelerating the pace of green ESG dengan memacu laju portofolio hijau yang bergerak portfolios that operate in the renewable energy sector, eco- pada sektor energi terbarukan, produk eko-efisien, serta efficient products, and environmentally friendly transportation transportasi ramah lingkungan atau Electric Vehicle (EV). or Electric Vehicles (EV). [GRI 3-3] [GRI 3-3] Dukungan Perseroan terhadap keuangan berkelanjutan The Company’s support for sustainable finance is realized through direalisasikan melalui penyusunan Rencana Aksi Keuangan the preparation of the 2019 Sustainable Finance Action Plan Berkelanjutan (RAKB) Tahun 2019 sebagai dokumen pertama, (RAKB) as the first document, and followed by RAKB in subsequent dan disusul dengan RAKB tahun-tahun berikutnya. RAKB years. RAKB contains strategic programs and priorities that are berisi program-program strategis dan prioritas yang selaras in line with sustainable financial principles, including prioritizing dengan prinsip keuangan berkelanjutan, termasuk di dalamnya ESG principles. Apart from the RAKB, the implementation of mengedepankan prinsip ESG. Di luar RAKB, penerapan keuangan sustainable finance is also conveyed in the Bank Business Plan berkelanjutan juga disampaikan dalam Rencana Bisnis Bank (RBB) (RBB) which, among other things, regulates the provision of credit yang di dalamnya antara lain mengatur tentang pemberian kredit along with various requirements, including credit that the Company beserta berbagai persyaratannya, termasuk kredit yang boleh/ may/may not undertake. Furthermore, specifically, PT Bank KB tidak boleh dilakukan oleh Perseroan. Selanjutnya, secara spesifik, Bukopin Tbk support for efforts to create a better environment and dukungan PT Bank KB Bukopin Tbk terhadap upaya mewujudkan strengthen the environmental carrying capacity is implemented lingkungan yang lebih baik serta menguatkan daya dukung by managing environmentally friendly office operations, including, lingkungan diimplementasikan dengan pengelolaan operasional among other things, by implementing the 3R principle (Reduce, kantor yang ramah lingkungan, antara lain, dengan menerapkan Reuse & Recycle). prinsip 3R (Reduce, Reuse & Recycle). Perseroan meyakini implementasi berbagai program prioritas The Company believes that the implementation of various dan strategis dalam RAKB/RBB yang dikombinasikan dengan priority and strategic programs in the RAKB/RBB combined with operasional kantor yang ramah lingkungan, merupakan environmentally friendly office operations, is the right policy and kebijakan yang tepat dan searah dengan konsep pembangunan is in line with the sustainable development concept currently berkelanjutan yang tengah dijalankan di Indonesia. Pembangunan being implemented in Indonesia. Sustainable development is a berkelanjutan adalah upaya sadar dan terencana yang conscious and planned effort that combines environmental, social memadukan aspek lingkungan hidup, sosial, dan ekonomi ke dalam and economic aspects into development strategies to ensure the strategi pembangunan untuk menjamin keutuhan lingkungan hidup integrity of the environment as well as the safety, capabilities, serta keselamatan, kemampuan, kesejahteraan, dan mutu hidup welfare and quality of life of present and future generations. generasi masa kini dan generasi masa depan. PT Bank KB Bukopin Tbk Sustainability Report 2023 103
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IMPLEMENTASI OPERASIONAL IMPLEMENTATION OF
KANTOR RAMAH LINGKUNGAN ENVIRONMENTALLY FRIENDLY
OFFICE OPERATIONS
PT Bank KB Bukopin Tbk mewujudkan operasional bank ramah PT Bank KB Bukopin Tbk realizes environmentally friendly bank
lingkungan dengan menerapkan berbagai kebijakan sesuai operations by implementing various policies in accordance with
prinsip 3R. Sosialisasi atas prinsip-prinsip ini terus dilakukan agar the 3R principles. Socialization of these principles continues to
tujuan awal yang ditetapkan Perseroan tercapai. Operasional be carried out so that the initial goals set by the Company are
kantor yang ramah lingkungan diwujudkan melalui efisiensi achieved. Environmentally friendly office operations are realized
penggunaan kertas, energi, air, serta mengelola air limbah through efficient use of paper, energy and water, as well as
dan limbah sebaik-baiknya agar tidak mencemari lingkungan. managing waste water and waste as well as possible so as not
Selain mendukung berbagai program kegiatan pro-lingkungan, to pollute the environment. Apart from supporting various pro-
seperti program-program untuk menjaga keanekaragaman environmental activity programs, such as programs to maintain
hayati, PT Bank KB Bukopin Tbk juga berkomitmen untuk biodiversity, PT Bank KB Bukopin Tbk is also committed not to
tidak membangun atau mendirikan kantor operasional yang build or establish operational offices close to protected areas
berdekatan dengan kawasan lindung dan kawasan dengan nilai and areas with high biodiversity value outside protected areas.
keanekaragaman hayati tinggi di luar kawasan lindung. Dengan With these efforts, during the reporting year, Bank KB Bukopin’s
upaya itu, maka selama tahun pelaporan, operasional Bank KB operations did not have a negative impact on biodiversity in
Bukopin tidak membawa dampak buruk bagi keanekaragaman Indonesia. [GRI 3-3][OJK F.9]
hayati di Indonesia. [GRI 3-3][OJK F.9]
PENGELOLAAN KERTAS PAPER MANAGEMENT
PT Bank KB Bukopin Tbk menggunakan kertas untuk pendukung PT Bank KB Bukopin Tbk uses paper for operational support
operasional seperti surat-menyurat, penyusunan kontrak, such as correspondence, contract drafting, document making,
pembuatan dokumen, buku rekening nasabah dan sebagainya. customer account books and so on. The Company is aware
Perseroan menyadari bahwa bahan baku kertas adalah pohon that the raw material for paper is certain types of trees that are
jenis tertentu yang diolah menjadi bubur kertas di mana dalam processed into pulp, which in the process also requires large
proses tersebut juga membutuhkan energi dan air dalam jumlah amounts of energy and water. Thus, the more paper we use, it
besar. Dengan demikian, semakin banyak menggunakan kertas, will automatically be in line with the addition of trees cut down
otomatis akan sejalan dengan penambahan pohon yang ditebang as raw materials for paper, and vice versa. Reflecting on the
sebagai bahan baku kertas. Begitu pula sebaliknya. Berkaca dari process, PT Bank KB Bukopin Tbk is committed to reducing
proses tersebut, PT Bank KB Bukopin Tbk berkomitmen untuk the use of paper.
mengurangi penggunaan kertas.
Efisiensi kertas dilakukan Perseroan melalui program paperless The Company has implemented paper efficiency through
antara lain melalui aplikasi Surat Memorandum Elektronik (SME) a paperless program, including through the Electronic
sejak tahun 1998. Program dilaksanakan berdasarkan Surat Memorandum Letter (SME) application since 1998. The program
Edaran Direksi No. SE/066/DIR/VI/1998 tanggal 1 Juni 1998 is implemented based on Directors’ Circular Letter No. SE/066/
tentang Ketentuan dan Prosedur Surat Memorandum Elektronik DIR/VI/1998 dated June 1, 1998 concerning Provisions and
(SME). Dalam perkembangannya, penggunaan Aplikasi SME Procedures for Electronic Memorandum Letters (SME). In
telah diperbaharui/digantikan dengan Aplikasi Bukopin Office its development, the use of the SME Application has been
Communication (BOC). Hal ini sesuai dengan Surat Keputusan updated/replaced with the Bukopin Office Communication
Direksi No. 0292 tertanggal 20 Februari 2017 tentang Bukopin (BOC) Application. This is in accordance with Directors’ Decree
Office Communication (BOC). Dari sisi layanan kepada nasabah, No. 0292 dated February 20, 2017 concerning Bukopin Office
Perseroan juga menerapkan kebijakan untuk mengurangi Communication (BOC). In terms of services to customers,
penggunaan kertas di antaranya dengan menerbitkan rekening the Company also implements policies to reduce paper use,
koran elektronik, layanan perbankan secara online, seperti internet including by issuing electronic bank statements, online banking
banking, phone banking dan lain-lain. services, such as internet banking, telephone banking and
others.
Dalam kondisi tertentu sehingga Bank harus menggunakan In certain conditions, the Bank must use paper, if possible,
kertas, jika memungkinkan, maka pencetakan dilakukan secara printing is done back and forth. Correspondingly, if there is
bolak-balik. Sejalan dengan itu, jika terdapat limbah kertas yang waste paper where one of the pages is still blank, the used
salah satu halamannya masih kosong, kertas bekas tersebut bisa paper can be used to print or make drafts of manuscripts
dimanfaatkan untuk mencetak atau membuat draft naskah atau or documents. As for waste paper that cannot be used, it is
dokumen. Adapun limbah kertas yang sudah tidak bisa dipakai, handed over to third parties to be recycled or reused. Especially
diserahkan kepada pihak ketiga untuk didaur ulang (recycle) atau waste paper containing documents, everything is destroyed
digunakan kembali (reuse). Terkhusus limbah kertas yang berisi first with a paper shredder before being handed over to a third
dokumen, semuanya dihancurkan terlebih dulu dengan mesin party. Even though paper is a raw material/material that can be
penghancur kertas sebelum diserahkan kepada pihak ketiga. recycled, as well as being environmentally friendly because it is
Walaupun kertas termasuk bahan baku/material yang bisa didaur easily decomposed naturally, PT Bank KB Bukopin Tbk does not
104 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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ulang, sekaligus ramah lingkungan karena mudah terurai secara use these recycled products in its daily operations. [OJK F.5]
alami, namun PT Bank KB Bukopin Tbk tidak menggunakan hasil
daur ulang tersebut dalam operasional sehari-hari. [OJK F.5]
Per 31 Desember 2023, volume penggunaan kertas tercatat As of December 31, 2023, the volume of paper usage was
sebanyak 4.211 rim, turun dibandingkan tahun 2022 dengan recorded at 4,211 reams, a decrease compared to 2022 with
penggunaan kertas sebanyak 5.032 rim. Penurunan penggunaan paper usage of 5,032 reams. The decrease in paper use is in line
kertas sejalan dengan implementasi program paperless di Bank. with the implementation of the paperless program at the Bank.
Tabel Volume Penggunaan Kertas Tahun 2021-2023
Table of Paper Use Volume for 2021-2023
Material Satuan
2023 2022 2021
Material Unit
Kertas rim 4.211 5.032 10.050
Paper reams
PENGELOLAAN ENERGI ENERGY MANAGEMENT
Perseroan menggunakan dua sumber energi utama untuk The Company uses two main energy sources to carry out
menjalankan operasional usaha, yaitu listrik dan bahan business operations, which are the electricity and the fuel
bakar minyak (BBM) yang dipasok oleh pihak ketiga. Selain that are supplied by third parties. Apart from being a source
untuk sumber penerangan, listrik digunakan sebagai sumber of lighting, electricity is used as an energy source for various
energi berbagai sarana dan prasarana kerja elektronik, electronic work facilities and infrastructure, such as computers,
seperti komputer, laptop, AC, mesin fotokopi, dan lain-lain. laptops, air conditioners, photocopiers, etc. Meanwhile, fuel
Sedangkan BBM digunakan untuk kendaraan operasional dan is used for operational vehicles and generators as a backup
genset sebagai sumber energi cadangan apabila pasokan energy source should the electricity supply from third parties
listrik dari pihak ketiga mengalami gangguan. Oleh karena experiences is disrupted. Since most electricity still generated
listrik sebagian besar masih menggunakan batu bara sebagai by coal, the energy is categorized as a non-renewable energy
sumber pembangkit sehingga masuk kategori sebagai sumber source and its availability is increasingly limited, as is fuel, KB
energi tak terbarukan dan ketersediaannya semakin terbatas, Bukopin is committed to taking various steps to save electricity
begitu juga dengan BBM, maka KB Bukopin berkomitmen untuk and fuel. [GRI 3-3]
melakukan berbagai langkah penghematan listrik dan BBM.
[GRI 3-3]
Penghematan listrik dilakukan dengan berbagai kebijakan Electricity savings are carried out through various policies such
seperti mematikan lampu dan perangkat elektronik lain yang as turning off lights and other electronic devices that are not
tidak digunakan, mengganti lampu dengan lampu hemat energi, in use, replacing lamps with energy-saving lamps, increasing
memperbanyak panel kaca di perkantoran sehingga bisa the number of glass panels in offices so that sunlight can be
mengoptimalkan sinar matahari sebagai sumber penerangan optimized as a source of lighting during the day, and so on. In
di siang hari, dan sebagainya. Selaras dengan itu, Perseroan line with this, the Company has also established a policy of using
juga menetapkan kebijakan penggunaan listrik selama jam electricity during operational hours - 8 hours a day. Another policy
operasional, yaitu 8 jam sehari. Kebijakan lain untuk mengurangi to reduce the use of conventional electricity is that PT Bank KB
penggunaan listrik konvensional adalah PT Bank KB Bukopin Tbk Bukopin Tbk places solar panels as a new renewable energy
menempatkan solar panel sebagai sumber energi baru terbarukan source at several points in the company’s operational offices.
di beberapa titik di kantor operasional perusahaan. Pemanfaatan The use of solar panels also reduces the level of greenhouse gas
solar panel sekaligus mengurangi tingkat emisi gas rumah kaca emissions resulting from PT Bank KB Bukopin Tbk operations.
yang dihasilkan dari operasional PT Bank KB Bukopin Tbk. [GRI 302-4, 302-5, 305-5][OJK F.12]
[GRI 302-4, 302-5, 305-5][OJK F.12]
Sementara itu, efisiensi penggunaan BBM antara lain dilakukan Meanwhile, efficiency in fuel use is carried out, among other
dengan melanjutkan kebijakan pada saat pandemi COVID-19, things, by continuing policies during the COVID-19 pandemic,
yaitu menyelenggarakan rapat secara online untuk jenis rapat namely holding online meetings for certain types of meetings
tertentu melalui penggunaan aplikasi teknologi informasi. Dengan through the use of information technology applications. This way,
demikian, peserta rapat tidak harus menggunakan kendaraan meeting participants do not have to use operational vehicles to
operasional menuju ke lokasi rapat. Upaya penghematan energi get to the meeting location. The Bank’s energy saving efforts
yang dilakukan Bank sejalan dengan Instruksi Presiden Republik are in line with the Instruction of the President of the Republic
Indonesia Nomor 13 Tahun 2011 tentang Penghematan Energi of Indonesia Number 13 of 2011 concerning Energy and Water
dan Air, serta Peraturan Menteri Energi dan Sumber Daya Mineral Savings, as well as the Regulation of the Minister of Energy and
Republik Indonesia Nomor: 13 Tahun 2012 tentang Penghematan Mineral Resources of the Republic of Indonesia Number: 13 of
Pemakaian Tenaga Listrik. [GRI 302-4, 302-5] [OJK F.7] 2012 concerning Saving on Electricity Use. [GRI 302-4, 302-5]
[OJK F.7]
PT Bank KB Bukopin Tbk Sustainability Report 2023 105
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Selama tahun pelaporan, Kantor PT Bank KB Bukopin Tbk During the reporting year, the PT Bank KB Bukopin Tbk Office’s
menggunakan listrik sebesar 18.078.000 kWh atau setara electricity usage amounted to 18,078,000 kWh or the equivalent
dengan 65.080,8 Gigajoule (GJ), naik dibandingkan tahun of 65,080,8 Gigajoules (GJ), an increase compared to 2022
2022 yang mencapai 2.636.848 kWh, atau setara dengan 9.493 which reached 2,636,848 kWh, or equivalent to 9,493 GJ. The
GJ. Kenaikan terjadi sejalan dengan perluasan cakupan data increase occurred in line with the expansion of data coverage
tahun 2023 yang mencakup 174 kantor, tidak hanya kantor in 2023 which included 174 offices, not just the head office as
pusat sebagaimana data tahun 2022. [GRI 302-1] [OJK F.6] in the 2022 data. [GRI 302-1] [OJK F.6]
Tabel Penggunaan Listrik Tahun 2021-2023
Table of Electricity Usage 2021-2023
Jenis BBM Satuan
No. 2023 2022 2021
Type of Fuel Unit
1 Listrik kWh 18.078.000 2.636.848 3.387.200
Electricity
Gigajoule 65.080,8 9.493 12.194
Konversi kWh ke Gigajoule: https://www.convertunits.com/from/kWh/to/gigajoule
Convertion from kWh to Gigajoules: https://www.convertunits.com/from/kWh/to/gigajoule
Pada tahun pelaporan, PT Bank KB Bukopin Tbk belum In the reporting year, PT Bank KB Bukopin Tbk has not
melakukan audit energi listrik di area perkantoran operasional conducted an electrical energy audit in the Bank’s operational
Bank. Untuk itu penghitungan intensitas konsumsi energi (IKE) office areas. For this reason, the calculation of electricity energy
listrik dilakukan secara manual dengan menggunakan rumus consumption intensity (IKE) is carried out manually using the
sebagai berikut: [GRI 302-3][OJK F.6] following formula: [GRI 302-3][OJK F.6]
Pemakaian energi listrik (KWh) Electrical energy consumption (kwh)
IKE = IKE =
Luas Bangunan Building area
Per 31 Desember 2023, luas area kantor yang digunakan oleh As of December 31, 2023, the office area used by PT Bank
PT Bank KB Bukopin Tbk tercatat sebesar 90.482 m2, terdiri KB Bukopin Tbk was recorded at 90,482 m2, consisting of 174
dari 174 kantor. Dengan menggunakan rumus di atas, diperoleh offices. Using the above formula, IKE PT Bank KB Bukopin Tbk
IKE PT Bank KB Bukopin Tbk, yang kemudian dibandingkan is obtained, which is then compared with the Office Building
dengan Tabel Intensitas Konsumsi Energi Bangunan Gedung Energy Consumption Intensity Table issued by the Indonesian
Perkantoran yang dikeluarkan oleh Kementerian Energi dan Ministry of Energy and Mineral Resources in 2012 to obtain
Sumber Daya Mineral tahun 2012 untuk mendapatkan hasil the following results:
sebagai berikut:
Tabel Intensitas Konsumsi Energi (IKE) Gedung Perkantoran
Table of Energy Consumption Intensity (IKE) of Office Buildings
Ber-AC With AC Tanpa AC Without AC
Kriteria
Criteria kWh/m2/bulan kWh/m2/tahun* kWh/m2/bulan kWh/m2/tahun*
kWh/m2/month kWh/m2/year* kWh/m2/month kWh/m2/year*
Sangat efisien <8,5 <102 <3,4 <40,8
Highly efficient
Efisien 8,5-14 102-168 3,4-5,6 40,8-67,2
Efficient
Cukup Efisien 14-18,5 168-222 5,6-7,4 67,2-88,8
Quite Efficient
Boros ≥18,5 ≥222 ≥7,4 ≥88,8
Inefficient
Diadopsi dari Peraturan Menteri Energi dan Sumber Daya Mineral Republik Indonesia Nomor: 13 Tahun 2012 Tentang Penghematan Pemakaian Tenaga Listrik *)konversi per tahun
Adopted from the Regulation of the Minister of Energy and Mineral Resources of the Republic of Indonesia Number: 13 of 2012 concerning Savings on Electricity Use *) conversion per year
Tabel IKE Kantor PT Bank KB Bukopin Tbk Tahun 2021-2023
Tabel IKE Kantor PT Bank KB Bukopin Tbk Tahun 2021-2023
Rasio Intensitas Energi
Tahun (kWh/m2/tahun) Keterangan Kategori
Tahun Rasio Intensitas Energi Keterangan Kategori
(kWh/m2/tahun)
2023 200,8 Mencakup 174 kantor dengan luas total Cukup Efisien
90.482 m2.
106 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 107
Dengan merujuk pada Tabel Nilai IKE Standard Bangunan By referring to the IKE Standard Value Table for Government
Gedung Perkantoran Pemerintah sebagai rujukan, maka Office Buildings as a reference, the electrical energy usage
penggunaan energi listrik Kantor Pusat KB Bukopin pada tahun of KB Bukopin Head Office in 2023 is included in the “Quite
2023 termasuk kategori “Cukup Efisien”. [OJK F.6] Efficient”. [OJK F.6]
Adapun penggunaan BBM selama tahun pelaporan adalah The fuel usage during the reporting year was 857,939 liters
857.939 liter atau setara dengan 29.342 GJ. or equivalent to 29,342 GJ.
Sementara itu, untuk konsumsi energi di luar organisasi, Meanwhile, for energy consumption outside the organization,
seperti yang digunakan pemasok/mitra kerja, Bank tidak such as that used by suppliers/work partners, the Bank cannot
bisa menyampaikan data dan perhitungan. Sebab, volume submit data and calculations. This is because the volume of
penggunaan energi tidak masuk dalam klausul kontrak kerja energy use is not included in the work contract clauses with
dengan pemasok/mitra kerja. [GRI 302-2][GRI 305-3] suppliers/work partners. [GRI 302-2][GRI 305-3]
PENGELOLAAN EMISI GREENHOUSE GAS EMISSION
GAS RUMAH KACA MANAGEMENT
Emisi gas rumah kaca (GRK) merupakan salah satu pemicu Greenhouse gas (GHG) emissions are one of the triggers
terjadinya pemanasan global dan perubahan iklim. Oleh for global warming and climate change. Due to the very real
karena dampak negatif emisi gas rumah kaca yang sangat negative impact of greenhouse gas emissions on the earth
nyata bagi bumi dan makhluk hidup di atasnya, maka KB and living organisms living on it, KB Bukopin is committed
Bukopin berkomitmen untuk mengelola emisi dengan baik, to managing emissions well, including reducing emissions
termasuk mengurangi emisi dengan melakukan penghematan by saving on the use of various types of energy used by the
penggunaan berbagai jenis energi yang digunakan perusahaan. company. In running its business, among other things, the
Dalam menjalankan usaha, antara lain, Perseroan menghasilkan Company produces emissions from the use of electricity, fuel
emisi dari penggunaan listrik, BBM dan perjalanan dinas dengan and official travel by airplane. In this report, the emissions
pesawat terbang. Dalam laporan ini, emisi yang dilaporkan reported are direct GHG emissions (Scope 1) resulting from the
adalah emisi GRK langsung (Cakupan 1) yang dihasilkan dari use of fuel oil, and indirect GHG emissions (Scope 2) originating
penggunaan bahan bakar minyak, dan emisi GRK (Cakupan 2) from the use of electricity with data coverage only at the KB
tidak langsung yang bersumber dari penggunaan listrik dengan Bukopin Head Office. Meanwhile, other indirect GHG emissions
cakupan data hanya Kantor Pusat KB Bukopin. Sementara itu, from official travel by plane refer to the official travel of the
emisi GRK tidak langsung lainnya dari perjalanan dinas dengan Board of Commissioners and Directors. The dominant GHG
pesawat merujuk pada perjalanan dinas Dewan Komisaris emissions produced, both coverage 1, 2 and 3 are carbon
dan Direksi. Adapun emisi GRK dominan yang dihasilkan, baik dioxide (CO2). [GRI 3-3]
cakupan 1, 2 dan 3 adalah karbon dioksida (CO2). [GRI 3-3]
Perseroan menghitung emisi penggunaan BBM dengan merujuk The Company calculates fuel consumption emissions by
metode yang dipakai di Indonesia dan negara-negara non- referring to the method used in Indonesia and non-Annex
Annex 1 (negara berkembang) yaitu Tier-1 di mana perhitungan 1 countries (developing countries), namely Tier-1 where the
berdasarkan data konsumsi energi dikalikan faktor emisi default calculation is based on energy consumption data multiplied
IPCC 2006 (Intergovernmental Panel on Climate Change/ by the 2006 IPCC default emission factor (Intergovernmental
Panel Antarpemerintah tentang Perubahan Iklim). Rumus yang Panel on Climate Change/Intergovernmental Panel on Climate
digunakan adalah sebagai berikut: Change). The formula used is as follows:
Emisi Hasil Pembakaran Bahan Bakar Emissions from Fuel Combustion
( thn ) = Konsumsi ( thn )x Faktor
Emisi ( Tj ) ( ) = Energy
Consumption ( Year ) Factors ( Year )
Emisi Kg Tj Kg GHG Kg Tj Kg
GRK Energi Emission Year xEmission
Dari hasil perhitungan sesuai rumus di atas, maka selama From the calculation results according to the formula
tahun pelaporan, PT Bank KB Bukopin Tbk menghasilkan emisi above, during the reporting year, PT Bank KB Bukopin Tbk
gas dari penggunaan bensin sebesar 1.962.020,70 kgCO2eq. generated gas emissions from the use of gasoline amounting
[OJK F.11] to 1,962,020.70 kgCO2eq. [OJK F.11]
Sementara itu, emisi dari penggunaan listrik diperoleh dengan Meanwhile, emissions from electricity use are obtained by
mengalikan konsumsi listrik (dalam Kwh per tahun) dengan multiplying electricity consumption (in Kwh per year) by the
average grid emission factor yang dikeluarkan Kementerian average grid emission factor issued by the Ministry of Energy
ESDM merujuk RUPTL PLN 2015-2024 yaitu sebesar 0,934 and Mineral Resources referring to the 2015-2024 PLN RUPTL,
kgCO2/Kwh (2017). Berdasarkan perhitungan itu, emisi gas namely 0.934 kgCO2/Kwh (2017). Based on this calculation,
PT Bank KB Bukopin Tbk Sustainability Report 2023 107
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rumah kaca dari penggunaan listrik tahun 2023 tercatat greenhouse gas emissions from electricity use in 2023 were
sebesar 16.884.852 kgCO2eq, naik dibanding tahun 2022 recorded at 16,884,852 kgCO2eq, an increase compared
yang mencapai 2.462.816 kgCO2eq. Kenaikan terjadi sejalan to 2022 which reached 2,462,816 kgCO2eq. The increase
dengan perluasan cakupan data tahun 2023 yang mencakup occurred in line with the expansion of data coverage in 2023
174 kantor, tidak hanya kantor pusat sebagaimana data tahun which included 174 offices, not just the head office as in the
2022. [OJK F.11] 2022 data. [OJK F.11]
Tabel Emisi Gas Rumah Tidak Langsung (Cakupan 2) Tahun 2021-2023
Table of Indirect House Gas Emissions (Scope 2) 2021-2023
Tahun Emisi CO2eq yang Dihasilkan (kg)
Konsumsi Energi Satuan Year Generated CO2eq Emissions (kg)
Energy Consumption Unit
2023 2022 2021 2023 2022 2021
Listrik kWh 18.078.000 2.636.848 3.387.200 16.884.852 2.462.816,03 3.163.644,80
Electricity
Catatan: 1 Kwh=0,934 kgCO2, sesuai average grid emission factor yang dikeluarkan oleh Kementerian ESDM merujuk RUPTL PLN 2015-2024 tahun 2017
Note: 1 Kwh=0.934 kgCO2, according to the average grid emission factor issued by the Ministry of Energy and Mineral Resources referring to the 2015-2024 PLN RUPTL of 2017
Selanjutnya, intensitas emisi dihitung Perseroan dengan Next, the Company calculates emission intensity using the
menggunakan rumus berikut: following formula:
Intensitas Total Emisi (CO2eq) Emission Total Emissions (CO2eq)
= =
Emisi Jumlah Pendapatan (Rp miliar) Intensity Total Revenue (IDR billion)
Sesuai rumus di atas didapat intensitas emisi GRK tahun 2023 According to the formula above, the GHG emission intensity in
adalah sebesar 3.876,36 [GRI 305-4] [OJK F.11] 2023 is 3,876.36 kgCO2eg/Rp billion, [GRI 305-4] [OJK F.11]
Tabel Intensitas Emisi Gas Rumah Kaca Tahun 2021-2023
Table of Greenhouse Gas Emission Intensity for 2021-2023
Uraian Satuan
2023
Description Unit
Total Emisi Cakupan 1 & 2 KgCO2eq 18.846.872,70
Total Emissions of Scope 1 & 2 KgCO2eq
Total Pendapatan Bunga dan Syariah Kg/Rp miliar 4.862
Total Interest and Syariah Income Kg/IDR billion
Intensitas Emisi GRK KgCO2eq/Rp miliar 3.876,36
GHG Emission Intensity KgCO2eq/IDR billion
Sementara itu, untuk mendukung kebijakan pemerintah terkait Meanwhile, to support government policies regarding protecting
perlindungan lapisan ozon, PT Bank KB Bukopin Tbk tidak lagi the ozone layer, PT Bank KB Bukopin Tbk no longer uses ozone-
menggunakan bahan perusak ozon seperti freon (CFC) untuk depleting materials such as freon (CFC) for refrigerants/cooling
refrigeran/bahan pendingin AC dan kulkas. Perseroan juga tidak materials for ACs and refrigerators. The company also no longer
lagi menggunakan Alat Pemadam Api Ringan (APAR) dengan zat uses light fire extinguishers (APAR) with fire extinguishing agents
pemadam api berupa halon yang mengandung bahan perusak in the form of halons which contain ozone-depleting substances.
ozon. Sebagai pengganti, PT Bank KB Bukopin Tbk menggunakan As a replacement, PT Bank KB Bukopin Tbk uses the more
refrigeran R32 yang lebih ramah lingkungan untuk AC dan kulkas, environmentally friendly R32 refrigerant for air conditioners and
serta menggunaan APAR dengan zat pemadam api ramah refrigerators, and uses APARs with environmentally friendly fire
lingkungan. [OJK F.11][GRI 305-6] extinguishing agents. [OJK F.11][GRI 305-6]
Terkhusus tentang penanganan emisi udara, dukungan PT Specifically regarding handling air emissions, PT Bank KB Bukopin
Bank KB Bukopin Tbk diwujudkan dengan mengelola kendaraan Tbk support is realized by managing operational vehicles, including
operasional termasuk melakukan uji emisi secara rutin, serta conducting regular emissions tests, as well as determining
menetapkan usia maksimal kendaraan operasional yaitu 5 (lima) the maximum age of operational vehicles; 5 (five) years. With
tahun. Dengan usia mobil yang lebih muda, maka emisi karbon newer cars, the carbon emissions produced are lower and meet
yang dihasilkan lebih rendah dan memenuhi baku mutu/ambang the quality standards/thresholds set by the government. At
batas yang ditetapkan pemerintah. Seiring dengan itu, Perseroan the same time, the Company has also established a policy of
juga menetapkan kebijakan penggunaan bahan bakar beroktan using high-octane fuel for operational vehicles so that vehicle
tinggi untuk kendaraan operasional sehingga emisi gas buang exhaust emissions are still within the applicable limits. Moreover,
kendaraan masih dalam ambang batas yang berlaku. Lebih dari maintenance and replacement of operational vehicle spare parts
itu, perawatan dan penggantian sparepart kendaraan operasional is carried out regularly to reduce the chance of “unhealthy” engine
dilakukan secara berkala untuk mengurangi peluang terjadinya conditions resulting in an impact on the quality of vehicle exhaust
kondisi mesin yang “tidak sehat” sehingga berdampak pada gas. Another step to reduce greenhouse gas emissions is that KB
kualitas gas buang kendaraan. Langkah lain untuk mengurangi Bukopin is committed to support and collaborate with third parties
108 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 109
emisi gas rumah kaca adalah KB Bukopin berkomitmen untuk in tree planting/reforestation movements. [OJK F.11][GRI 305-7]
mendukung dan bekerja sama dengan pihak ketiga dalam gerakan
penanaman pohon/penghijauan. [OJK F.11][GRI 305-7]
PENGELOLAAN AIR WATER MANAGEMENT
Air merupakan salah satu kebutuhan vital bagi operasional sehari- Water is a vital need for the daily operations of PT Bank
hari PT Bank KB Bukopin Tbk. Air digunakan untuk berbagai KB Bukopin Tbk. Water is used for various domestic office
keperluan domestik perkantoran, seperti pembilasan di kamar purposes, such as rinsing the toilet, performing ablutions,
kecil, wudu, mencuci peralatan dapur, penyiraman tanaman, dan washing kitchen utensils, watering plants, and so on. The water
lain-lain. Air yang digunakan Kantor Pusat Perseroan bersumber used by the Company’s Head Office comes from PDAM and
dari PDAM dan air tanah sebagai alternatif pada saat pasokan air groundwater as an alternative when the water supply from
dari PDAM mengalami gangguan. [GRI 3-3] PDAM is disrupted. [GRI 3-3]
Perseroan menyadari bahwa air bersih sebagai sumber daya The Company realizes that clean water as a resource and
bersama ketersediannya kian terbatas. Bahkan, dalam wilayah its availability is increasingly limited. In fact, in certain areas
tertentu tercipta kondisi yang lazim disebut sebagai wilayah conditions are created that are commonly referred to as water
stres air yaitu wilayah yang tidak memiliki kemampuan untuk stress areas, namely areas that do not have the ability to meet
memenuhi kebutuhan air untuk manusia maupun lingkungan di the water needs of humans and the surrounding environment.
sekitarnya. Stres air merujuk pada ketersediaan, kualitas, atau Water stress refers to the availability, quality, or accessibility
aksesibilitas terhadap air bersih. Untuk itu, selain mengeluarkan of clean water. Therefore, apart from issuing advice on saving
himbauan penghematan air yang dipasang di kamar kecil, water installed in toilets, and ensuring that water taps are
serta memastikan bahwa keran air telah tertutup dengan properly closed when not in use, the Company also monitors
baik pada saat tidak digunakan, Perseroan juga melakukan and checks water installations periodically to anticipate leaks,
pemantauan dan pengecekan instalasi air secara berkala as well as replacing and repairing if damage and leaks are
guna mengantisipasi terjadinya kebocoran, serta melakukan found. With water management like this, the Company’s use of
penggantian dan perbaikan apabila ditemukan kerusakan water does not have a negative impact on the environment and
dan kebocoran. Dengan pengelolaan air seperti itu, maka communities around which the company operates, in particular
penggunaan air oleh Perseroan tidak berdampak negatif there are no water stress areas affected by KB Bukopin’s water
terhadap lingkungan dan masyarakat di sekitar perusahaan use. [GRI 303-1]
beroperasi, terkhusus tidak ada kawasan stres air yang
terdampak dari penggunaan air oleh KB Bukopin. [GRI 303-1]
Efisiensi penggunaan air penting dilaksanakan guna mencegah Water use efficiency is important to prevent crises or scarcity of
krisis atau kelangkaan air bersih. Dalam hal ini, Bappenas clean water. In this case, Bappenas in the 2019 RPJM Strategic
dalam Kajian Lingkungan Hidup Strategis (KKLS) RPJM 2019 Environmental Study (KKLS) projects that water availability will
memproyeksikan ketersediaan air akan mencapai kelangkaan reach absolute scarcity in 2040. Absolute scarcity or ‘absolute
absolut pada 2040. Kelangkaan absolut atau ‘absolut scarcity’ scarcity’ is nothing more than the amount of water resources
tak lain adalah jumlah sumber daya air tidak mencukupi untuk being insufficient to meet human needs and desires. The water
memenuhi kebutuhan dan keinginan manusia. Kebijakan use efficiency policy implemented by PT Bank KB Bukopin Tbk
efisiensi penggunaan air yang dilakukan PT Bank KB Bukopin is a form of support for the Instruction of the President of the
Tbk merupakan bentuk dukungan terhadap Instruksi Presiden Republic of Indonesia Number 13 of 2011 concerning Energy
Republik Indonesia Nomor 13 Tahun 2011 tentang Penghematan and Water Saving. [GRI 3-3]
Energi dan Air. [GRI 3-3]
Sebelum dibuang ke badan air, Perseroan melakukan treatment Before being discharged into water bodies, the Company
atau pengolahan tertentu sehingga air limbah yang dibuang conducts certain treatment or processing so that the discharged
memenuhi standar baku mutu dan tidak membahayakan wastewater meets quality standards and is not harmful to the
bagi lingkungan, baik habitat perairan maupun pengguna air environment, both aquatic habitats and subsequent water
berikutnya. Untuk mengetahui kualitas air limbah sebelum users. To determine the quality of waste water before it is
dibuang ke badan air, sekaligus memastikan bahwa kualitas discharged into water bodies, as well as ensuring that the
air limbah tersebut aman bagi lingkungan, PT Bank KB Bukopin quality of the waste water is safe for the environment, PT
Tbk secara berkala melakukan pengecekan kandungan air Bank KB Bukopin Tbk periodically checks the content of waste
limbah yang pelaksanaannya dibantu oleh UPT Laboratorium water, the implementation of which is assisted by the Regional
Lingkungan Hidup Daerah, Dinas Lingkungan Hidup, Pemda Environmental Laboratory UPT, Environmental Service, DKI
DKI Jakarta. Selama tahun pelaporan, kualitas air limbah telah Jakarta Regional Government. During the reporting year,
memenuhi ambang batas baku mutu sehingga aman bagi wastewater quality met the quality standard threshold so that
lingkungan dan badan air penerima. [GRI 303-2][GRI 303-4] it was safe for the environment and receiving water bodies.
[GRI 303-2][GRI 303-4]
PT Bank KB Bukopin Tbk Sustainability Report 2023 109
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Per 31 Desember 2023, volume pengambilan air dari PDAM As of December 31, 2023, the volume of water withdrawal tercatat sebesar 303.394,08 meter kubik. [GRI 303-3, 303-5] from PDAM was recorded at 303,394.08 cubic meters. [OJK F.8] [GRI 303-3, 303-5][OJK F.8] PENGELOLAAN LIMBAH WASTE MANAGEMENT Implementasi konsep green banking dilakukan PT Bank KB The implementation of the green banking concept is carried Bukopin Tbk dengan semaksimal mungkin menerapkan prinsip out by PT Bank KB Bukopin Tbk by applying the 3R principles 3R (Reduce, Reuse dan Recycle) dalam pengelolaan limbah. (Reduce, Reuse and Recycle) in waste management as much Untuk mengurangi limbah plastik kemasan minuman sekali pakai as possible. To reduce plastic waste from single-use beverage misalnya, Perseroan menerapkan kebijakan agar karyawan packaging, for example, the Company implements a policy memiliki tumbler pribadi. Sementara itu, untuk pengelolaan so that employees have personal tumblers. Meanwhile, for sampah domestik perkantoran, Perseroan telah menyediakan the management of domestic office waste, the Company has tempat sampah dalam jumlah cukup. Adapun timbulan sampah provided a sufficient number of rubbish bins. Meanwhile, waste dari seluruh area kantor PT Bank KB Bukopin Tbk tahun 2023 generation from the entire PT Bank KB Bukopin Tbk office area tercatat sebanyak 1.778.084 kilogram. Lebih lanjut, untuk in 2023 was recorded at 1,778,084 kilograms. Furthermore, penanganan sampah yang masuk kategori limbah non bahan for handling incoming waste The non-hazardous and toxic berbahaya dan beracun (non-B3) tersebut dilakukan oleh pihak (non-B3) waste category is carried out by a third party and ketiga dan PT Bank KB Bukopin Tbk mengalokasikan biaya PT Bank KB Bukopin Tbk allocates costs for this purpose. untuk keperluan tersebut. Kerja sama dengan pihak ketiga Collaboration with third parties is also carried out to drain juga dilakukan untuk menguras septik tank dari penampungan septic tanks from waste storage from toilets. limbah dari toilet. Adapun limbah B3 seperti aki bekas dan oli bekas kendaraan As for B3 waste such as used batteries and used oil from operasional, lampu dan catridge bekas, juga peralatan elektronik operational vehicles, used lamps and cartridges, as well as bekas lainnya, Perseroan menjalin kerja sama dengan pihak other used electronic equipment, the Company collaborates ketiga yang berizin dari instansi yang berwenang. Dengan with third parties licensed by the authorized agencies. With kebijakan tersebut, maka pengelolaan limbah di PT Bank KB this policy, waste management at PT Bank KB Bukopin Tbk Bukopin Tbk tidak menimbulkan dampak negatif bagi lingkungan does not have a negative impact on the environment and dan masyarakat di sekitar Perseroan. communities around the Company. BIAYA LINGKUNGAN ENVIRONMENTAL COSTS Untuk mendukung terwujudnya lingkungan yang lebih baik, To support the realization of a better environment, as well as serta daya dukung lingkungan yang lebih semakin membaik, increasingly improving environmental carrying capacity, PT Bank KB PT Bank KB Bukopin Tbk mengalokasikan sejumlah dana untuk Bukopin Tbk allocates a number of funds for environmental costs. biaya lingkungan. [OJK F.4] [OJK F.4] KEPATUHAN LINGKUNGAN ENVIRONMENTAL COMPLIANCE PT Bank KB Bukopin Tbk senantiasa patuh terhadap ketentuan PT Bank KB Bukopin Tbk always complies with environmental dan peraturan perundang-undangan di bidang lingkungan hidup laws and regulations by conducting environmentally friendly dengan menjalankan kegiatan operasional perbankan yang banking operations and is committed to preserving the ramah lingkungan dan berkomitmen untuk menjaga kelestarian environment in all its operational activities. This commitment lingkungan dalam setiap kegiatan operasionalnya. Komitmen itu has brought positive results, namely that there are no sanctions membawa hasil positif, yaitu tidak ada sanksi atau denda yang or fines given to the Company for non-compliance with diberikan kepada Perseroan karena ketidakpatuhan terhadap environmental laws and regulations. [GRI 2-27] undang-undang dan peraturan di bidang lingkungan hidup. [GRI 2-27] 110 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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PT Bank KB Bukopin Tbk Sustainability Report 2023 111
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04 KINERJA SOSIAL KEBERLANJUTAN SUSTAINABLE SOCIAL PERFORMANCE 112 Laporan Keberlanjutan 2023
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KINERJA SOSIAL KEBERLANJUTAN
SUSTAINABLE SOCIAL PERFORMANCE
PT Bank KB Bukopin Tbk secara konsisten menjunjung PT Bank KB Bukopin Tbk consistently upholds harmony between
keselarasan antara aspek ekonomi, sosial dan lingkungan economic, social and environmental aspects in running its
dalam menjalankan usaha. Sebagaimana prinsip keberlanjutan, business. As with the principle of sustainability, the Company
Perseroan meyakini keselarasan antara ketiga aspek merupakan believes that harmony between the three aspects is the key
kunci untuk terus bertumbuhnya kinerja dari tahun ke tahun to continued growth in performance from year to year on a
secara berkesinambungan. sustainable basis.
Kinerja sosial merujuk pada berbagai aktivitas Perseroan dalam Social performance refers to the Company’s various activities
memenuhi tanggung jawab sosial kepada para pemangku in fulfilling its social responsibilities to stakeholders, both
kepentingan, baik pemangku kepentingan internal maupun internal and external stakeholders. PT Bank KB Bukopin
eksternal. Pemangku kepentingan internal PT Bank KB Bukopin Tbk internal stakeholders are shareholders, management,
Tbk adalah pemegang saham, manajemen, pegawai lintas employees across divisions and various levels of positions,
divisi dan beragam level jabatan, dan serikat pekerja. Adapun and labor unions. The external stakeholders include customers,
pemangku kepentingan eksternal di antaranya nasabah, government and financial authorities, partners/suppliers,
pemerintah dan otoritas keuangan, mitra/pemasok, media mass media, and communities around the locations where
massa, dan masyarakat di sekitar lokasi Perseroan beroperasi, the Company operates, including beneficiaries of the Social
termasuk penerima manfaat Program Tanggung Jawab Sosial and Environmental Responsibility Program (TJSL).[GRI 3-3]
dan Lingkungan (TJSL).[GRI 3-3]
Merujuk keberagaman pemangku kepentingan Perseroan, Referring to the diversity of the Company’s stakeholders, social
maka aktivitas sosial untuk memenuhi tanggung jawab activities to fulfill responsibilities to stakeholders are also varied,
kepada para pemangku kepentingan juga beraneka rupa, such as employment, Occupational Safety and Health (K3),
seperti ketenagakerjaan, Keselamatan dan Kesehatan Kerja human rights, responsibility for products/services, product
(K3), hak asasi asasi manusia, tanggung jawab atas produk/ and service innovation, community involvement, company
jasa, inovasi produk dan jasa/layanan, pelibatan masyarakat, operational impact and so on. The Company’s success in
dampak operasional perusahaan dan sebagainya. Keberhasilan fulfilling its social responsibilities cannot be separated from
Perseroan memenuhi tanggung jawab sosial tak lepas dari its accuracy in mapping and formulating engagement that is
ketepatannya dalam melakukan pemetaan dan merumuskan in line with the expectations of each stakeholder.
pelibatan yang sesuai dengan harapan masing-masing
pemangku kepentingan.
PT Bank KB Bukopin Tbk berkomitmen untuk memenuhi PT Bank KB Bukopin Tbk is committed to fulfilling its social
tanggung jawab sosial terhadap segenap pemangku responsibilities towards all stakeholders because it believes
kepentingan karena meyakini hal tersebut merupakan sarana this is the best means of establishing relationships and creating
terbaik untuk menjalin hubungan dan menciptakan komunikasi positive communication with stakeholders. Furthermore, quality
positif dengan para pemangku kepentingan. Lebih lanjut, communication will strengthen the Company’s position and
komunikasi yang berkualitas tersebut akan memperkuat posisi existence as a business entity, as well as important capital
dan keberadaan Perseroan sebagai entitas bisnis, sekaligus to continue to progress and develop in realizing PT Bank KB
modal penting untuk terus maju dan berkembang mewujudkan Bukopin Tbk mission and vision.
misi dan visi PT Bank KB Bukopin Tbk.
LANDASAN KEBIJAKAN [GRI 3-3] POLICY FOUNDATION [GRI 3-3]
PT Bank KB Bukopin Tbk mengelola hubungan dengan para PT Bank KB Bukopin Tbk manages relationships with
pemangku kepentingan sesuai dengan regulasi sesuai dengan stakeholders in accordance with regulations in accordance with
kepentingan masing-masing pemangku kepentingan. Regulasi the interests of each stakeholder. These regulations include:
tersebut antara lain:
1. Undang-Undang No. 1 Tahun 1970 tentang Keselamatan 1. Law no. 1 of 1970 concerning Work Safety
Kerja
2. Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan 2. Law Number 8 of 1999 concerning Consumer Protection
Konsumen
3. Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan 3. Law no. 13 of 2003 concerning Employment
4. Undang-Undang Republik Indonesia Nomor 25 Tahun 2007 4. Law of the Republic of Indonesia Number 25 of 2007
114 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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tentang Penanaman Modal concerning Capital Investment
5. Undang-Undang Republik Indonesia Nomor 24 Tahun 2011 5. Law of the Republic of Indonesia Number 24 of 2011
tentang Badan Penyelenggara Jaminan Sosial concerning Social Security Administering Bodies
6. Undang-Undang Republik Indonesia No. 21 Tahun 2000 6. Law of the Republic of Indonesia no. 21 of 2000 concerning
tentang Serikat Pekerja/Serikat Buruh; Labor Unions;
7. Undang-Undang Republik Indonesia No. 24 Tahun 2011 7. Law of the Republic of Indonesia no. 24 of 2011 concerning
tentang Badan Penyelenggara Jaminan Sosial; Social Security Administering Bodies;
8. Undang-Undang Presiden Republik Indonesia No. 11 Tahun 8. Law of the President of the Republic of Indonesia no. 11 of
1992 tentang Dana Pensiun; 1992 concerning Pension Funds;
9. Undang-Undang Nomor 6 Tahun 2023 tentang Penetapan 9. Law Number 6 of 2023 concerning the Stipulation of
Peraturan Pemerintah Pengganti Undang-Undang Nomor 2 Government Regulations in Lieu of Law Number 2 of 2022
Tahun 2022 tentang Cipta Kerja menjadi Undang-Undang concerning Job Creation into Law
10. Peraturan Pemerintah Republik Indonesia No. 35 Tahun 10. Republic of Indonesia Government Regulation no. 35
2021 tentang Perjanjian Kerja Waktu Tertentu, Alih Daya, of 2021 concerning Specific Time Work Agreements,
Waktu Kerja dan Waktu Istirahat, dan Pemutusan Hubungan Outsourcing, Working Time and Rest Time, and Termination
Kerja of Employment Relations
11. Peraturan Pemerintah Republik Indonesia Nomor 36 Tahun 11. Republic of Indonesia Government Regulation Number 36
2021 tentang Pengupahan of 2021 concerning Wages
12. Peraturan Pemerintah (PP) Nomor 50 Tahun 2012 tentang 12. Government Regulation (PP) Number 50 of 2012 concerning
Penerapan Sistem Manajemen Keselamatan dan Kesehatan Implementation of the Occupational Safety and Health
Kerja Management System
13. Peraturan Presiden Republik Indonesia Nomor 7 Tahun 13. Presidential Regulation of the Republic of Indonesia Number
2019 tentang Penyakit Akibat Kerja 7 of 2019 concerning Occupational Illnesses
14. Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 2/ 14. Financial Services Authority Circular Letter (SEOJK) No.
SEOJK.07/2014 tentang Pelayanan dan Penyelesaian 2/SEOJK.07/2014 concerning Service and Resolution of
Pengaduan Konsumen pada pelaku Jasa Keuangan Consumer Complaints to Financial Services actors.
15. Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 15. Financial Services Authority Regulation Number 51/
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga POJK.03/2017 concerning the Implementation of
Jasa Keuangan, Emiten dan Perusahaan Publik Sustainable Finance for Financial Services Institutions,
16. Peraturan Otoritas Jasa Keuangan Nomor 6/POJK.07/2022 Issuers and Public Companies
tentang Perlindungan Konsumen dan Masyarakat di Sektor 16. Financial Services Authority Regulation Number 6/
Jasa Keuangan POJK.07/2022 concerning Consumer and Public Protection
in the Financial Services Sector
Berdasarkan berbagai regulasi di atas, selanjutnya PT Bank Based on the various regulations above, PT Bank KB Bukopin
KB Bukopin Tbk menyusun berbagai regulasi internal sebagai Tbk then prepared various internal regulations as daily
panduan operasional keseharian yang berkaitan dengan operational guidelines related to personnel management,
pengelolaan kepegawaian, Kesehatan dan Keselamatan Kerja Occupational Health and Safety (K3), product responsibility,
(K3), tanggung jawab produk, dan sebagainya. and so on.
KESETARAAN KESEMPATAN EQUAL EMPLOYMENT
KERJA [OJK F.18] OPPORTUNITIES [OJK F.18]
Penghormatan terhadap kesetaraan kesempatan bekerja atau PT Bank KB Bukopin Tbk implements respect for equal employment
non-diskriminasi kepada karyawan diterapkan PT Bank KB Bukopin opportunities and non-discrimination for employees starting from
Tbk sejak rekrutmen. Seusai dengan prinsip tersebut, maka the recruitment process. In line with this principle, the company
Perseroan memberikan hak dan kesempatan kerja yang sama provides equal employment rights and opportunities to all
dan seluas-luasnya kepada seluruh karyawan tanpa memandang employees without regard to differences in religion, ethnicity,
perbedaan agama, etnis, ras, status sosial, warna kulit, gender, race, social status, skin color, gender, or other physical conditions,
ataupun kondisi fisik lainnya, sesuai dengan ketentuan dan in accordance with the provisions and regulations of valid
peraturan perundang-undangan ketenagakerjaan yang berlaku. employment laws.
Lebih dari itu, PT Bank KB Bukopin Tbk juga memberikan hak More than that, PT Bank KB Bukopin Tbk also provides equal
dan kesempatan yang sama bagi seluruh karyawan dalam rights and opportunities for all employees in career development
program pengembangan karier, dimana sistem pengembangan programs, where the employee development system in the
karyawan di Perseroan memberikan kesempatan yang sama Company provides equal opportunities for every employee to
kepada setiap karyawan untuk dipromosikan ke jabatan yang lebih be promoted to a higher position following the organizational
tinggi mengikuti jenjang struktur organisasi PT Bank KB Bukopin structure of PT Bank KB Bukopin Tbk. The principles of equality
Tbk. Prinsip kesetaraan dan non-diskriminasi dalam kesempatan and non-discrimination in employment opportunities are regulated
kerja diatur melalui regulasi internal yaitu Kode Etik, Bagian VI: through internal regulations, namely the Code of Ethics, Part VI:
Hubungan dengan Perusahaan dan Sesama Karyawan. Relations with the Company and Fellow Employees.
PT Bank KB Bukopin Tbk Sustainability Report 2023 115
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Prinsip kesetaraan ini juga merupakan implementasi Pasal 281 This principle of equality is also an implementation of Article ayat (2), Undang-Undang Dasar Negara Republik Indonesia 281 paragraph (2), of the 1945 Constitution of the Republic Tahun 1945, yaitu: “Setiap orang berhak bebas dari perlakuan of Indonesia, namely: “Every person has the right to be free yang bersifat diskriminatif atas dasar apapun dan berhak from discriminatory treatment on any basis and has the right mendapatkan perlindungan terhadap perlakukan yang bersifat to receive protection against such discriminatory treatment.” diskriminatif itu.” Secara spesifik, kesetaraan kesempatan Specifically, equality of employment opportunities is also in bekerja tersebut juga selaras dengan Undang-Undang Nomor line with Law Number 7 of 1984 concerning Ratification of 7 Tahun 1984 tentang Pengesahan Konvensi Mengenai the Convention Concerning the Elimination of All Forms of Penghapusan Segala Bentuk Diskriminasi terhadap Wanita Discrimination Against Women (Convention On The Elimination (Convention On The Elimination Of All Forms Of Discrimanation Of All Forms Of Discrimination Against Women), Law Number Against Women), Undang-Undang Nomor 21 Tahun 1999 21 Of 1999 concerning Ratification ILO Convention No. 111 tentang Pengesahan ILO Convention No. 111 Concerning Concerning Discrimination in Respect of Employment and Discrimination in Respect of Employment and Occupation Occupation (ILO Convention Concerning Discrimination in (Konvensi ILO Mengenai Diskriminasi dalam Pekerjaan dan Employment and Occupation), as well as Guidelines for Equality Jabatan), serta Panduan Kesetaraan dan Non Diskriminasi and Non-Discrimination in the Workplace in Indonesia (Ministry di Tempat Kerja di Indonesia (Kementerian Tenaga Kerja dan of Manpower and Transmigration of the Republic of Indonesia). Transmigrasi RI). Komitmen Perseroan dalam mewujudkan kesetaraan dalam The Company’s commitment to realizing equality in employment kesempatan bekerja/non diskriminasi membawa hasil opportunities/non-discrimination has resulted in no incidents of dengan tidak adanya insiden diskriminasi di PT Bank KB discrimination at PT Bank KB Bukopin Tbk. Thus, the Company Bukopin Tbk. Dengan demikian, Perseroan tidak melakukan has not made improvements regarding regulations regarding perbaikan berkaitan dengan regulasi tentang kesetaraan dalam equality in employment opportunities/non-discrimination. kesempatan bekerja/non diskriminasi. TENAGA KERJA ANAK DAN CHILD LABOR AND FORCED KERJA PAKSA [OJK F.19] LABOR [OJK F.19] PT Bank KB Bukopin Tbk mendukung penghapusan tenaga kerja PT Bank KB Bukopin Tbk supports the elimination of child labor anak dan kerja paksa karena keduanya merupakan pelanggaran and forced labor because both are violations of human rights. terhadap hak asasi manusia. Untuk itu, Perseroan hanya For this reason, the Company only employs employees over the mempekerjakan karyawan dengan usia di atas 18 sehingga tidak age of 18 so they are not included in the category of children termasuk kategori anak sebagaimana diatur dalam Undang- as regulated in Law of the Republic of Indonesia Number 23 Undang Republik Indonesia Nomor 23 Tahun 2002 Tentang of 2002 concerning Child Protection, which states “A child is Perlindungan Anak, yang menyatakan “Anak adalah seseorang someone who is not yet 18 (eighteen) years old…. .” yang belum berusia 18 (delapan belas) tahun…..” Sedangkan jam kerja yang disepakati adalah 8 (delapan) jam Meanwhile, the agreed working hours are 8 (eight) hours 1 (one) 1 (satu) hari dan 40 (empat puluh) jam 1 (satu) minggu untuk 5 day and 40 (forty) hours 1 (one) week for 5 (five) working days (lima) hari kerja dalam 1 (satu) minggu, sesuai dengan pasal 77 in 1 (one) week, in accordance with article 77 of Law No. 13 Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan. of 2003 concerning Employment. With such provisions, every Dengan ketentuan seperti itu, maka setiap karyawan memiliki employee has sufficient rest time. Especially for employees waktu istirahat yang cukup. Khusus kepada karyawan yang who, due to their type of work, are forced to exceed working karena jenis pekerjaannya terpaksa melebihi jam kerja atau hours or outside official working hours, the Company provides di luar jam kerja resmi, Perseroan memberikan kompensasi compensation in the form of overtime pay in accordance with berupa uang lembur sesuai dengan regulasi yang berlaku di the regulations applied at PT Bank KB Bukopin Tbk. PT Bank KB Bukopin Tbk. Komitmen tidak mempekerjakan anak selaras dengan Undang- The commitment not to employ children is in line with Law no. Undang No. 20 Tahun 1999 tentang Pengesahan ILO Convention 20 of 1999 concerning Ratification of ILO Convention No. 138 No. 138 Concerning Minimum Age for Admission to Employment Concerning Minimum Age for Admission to Employment, and (Konvensi ILO Mengenai Usia Minimum untuk Diperbolehkan Law of the Republic of Indonesia No. 1 of 2000 concerning Bekerja), dan Undang-Undang Republik Indonesia No. 1 Tahun Ratification of ILO Convention No. 182 Concerning the 2000 tentang Pengesahan ILO Convention No. 182 Concerning Prohibition and Immediate Action for The Elimination of The The Prohibition And Immediate Action for The Elimination of The Worst Forms of Child Labor. The implementation of working Worst Forms of Child Labour (Konvensi ILO No. 182 Mengenai hours with clear time limits so that forced labor does not occur Pelarangan dan Tindakan Segera Penghapusan Bentuk-Bentuk is in line with Law no. 19 of 1999 concerning Ratification of ILO Pekerjaan Terburuk untuk Anak). Adapun pemberlakuan jam Convention No. 105 Concerning the Abolition of Forced Labor. kerja dengan batasan waktu yang jelas sehingga tidak terjadi kerja paksa sejalan dengan Undang-Undang No. 19 Tahun 1999 tentang Pengesahan ILO Convention No. 105 Concerning 116 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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The Abolition of Forced Labour (Konvensi ILO Mengenai
Penghapusan Kerja Paksa).
REKRUTMEN DAN TURNOVER EMPLOYEE RECRUITMENT
KARYAWAN AND TURNOVER
PT Bank KB Bukopin Tbk melakukan rekrutmen secara PT Bank KB Bukopin Tbk carries out regular recruitment to
berkala untuk memenuhi kebutuhan karyawan yang bersifat meet dynamic employee needs, especially when related to
dinamis, terlebih lagi jika dikaitkan dengan kompetensi dan certain competencies and capacities in the very specific
kapasitas tertentu di industri perbankan yang sangat spesifik. banking industry. Recruitment is carried out at both fresh
Rekrutmen dilakukan baik level fresh graduate maupun level graduate and professional levels to meet workforce needs
profesional untuk memenuhi kebutuhan tenaga kerja seiring in line with organizational dynamics. In recruitment, the
dengan dinamika organisasi. Dalam rekrutmen, proses seleksi selection process is conducted to ensure that the Company
dilakukan untuk memastikan bahwa Perseroan mendapatkan gets the best talent. Recruitment stages include administrative
talenta terbaik. Tahapan rekrutmen meliputi seleksi administrasi, selection, psychological tests, medical tests and interview tests.
psikotes, tes kesehatan, dan tes wawancara. Rekrutmen Recruitment is carried out openly to provide an opportunity for
dilakukan secara terbuka sehingga memberikan kesempatan anyone who meets the requirements to be able to apply and
bagi siapa saja yang telah memenuhi persyaratan untuk dapat take part in the selection process, including the local community
melamar dan mengikuti proses seleksi termasuk masyarakat where the Company operates. [GRI 3-3]
sekitar di mana Perseroan beroperasi. [GRI 3-3]
Per 31 Desember 2023, PT Bank KB Bukopin Tbk merekrut As of 31 December 2023, PT Bank KB Bukopin Tbk recruited
karyawan baru sebanyak 281 orang, turun dibandingkan tahun 281 new employees, an a decrease compared to 2022
2022 yang mencapai 394 orang. Karyawan baru berstatus which reached 394 people. The new employees with the
upgrading, reguler maupun fresh graduate, tersebut mengisi status of upgrading, regular or fresh graduates, fill various
berbagai posisi yang dibutuhkan Perseroan. Kepada karyawan positions needed by the Company. To new employees, the
baru, Perseroan memberikan program pengenalan (induction Company provides an induction program to provide them
program) untuk memberikan pemahaman kepada mereka, tidak with an understanding, not only regarding their duties and
hanya terkait tugas dan tanggung jawabnya sebagai karyawan, responsibilities as employees, but also regarding various
tetapi juga mengenai berbagai hal terkait dengan Perseroan, matters related to the Company, starting from the business
mulai dari bisnis yang dijalankan, budaya PT Bank KB Bukopin they run, the culture of PT Bank KB Bukopin Tbk, including the
Tbk, termasuk peluang pengembangan karier, dan sebagainya. opportunities in developing career, and so on.
Komposisi karyawan baru berdasarkan jenis kelamin, kelompok The complete composition of new employees based on gender,
usia, dan wilayah kerja selengkapnya disampaikan dalam tabel- age group and work area is presented in the following tables:
tabel berikut: [GRI 401-1] [GRI 401-1]
Komposisi Karyawan Baru Berdasarkan Status Kepegawaian dan Jenis Kelamin
Composition of New Employees Based on Employment Status and Gender
2023 2022 2021
Status Kepegawaian
Employment Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Karyawan Tetap 64 40 104 49 19 68 28 16 44
Permanent Employe
Karyawan Tidak Tetap 97 80 177 161 165 326 115 140 255
Non-permanent Employee
Jumlah 161 120 281 210 184 394 143 156 299
Total
Komposisi Karyawan Baru Berdasarkan Kelompok Usia
Composition of New Employees Based on Age Group
2023 2022 2021
Kelompok Usia
Age Group Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
20-24 Tahun 42 45 87 57 76 133 3 10 13
20-24 years old
25-29 Tahun 37 38 75 70 77 147 72 99 171
25-29 years old
PT Bank KB Bukopin Tbk Sustainability Report 2023 117
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Komposisi Karyawan Baru Berdasarkan Kelompok Usia
Composition of New Employees Based on Age Group
2023 2022 2021
Kelompok Usia
Age Group Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
30-34 Tahun 32 20 52 46 15 61 35 29 64
30-34 years old
35-39 Tahun 28 12 40 18 9 27 14 13 27
35-39 years old
40-44 Tahun 14 4 18 15 7 22 7 3 10
40-44 years old
45-49 Tahun 2 1 3 2 0 2 5 1 6
45-49 years old
50-54 Tahun 3 0 3 0 0 0 2 0 2
50-54years old
>55 Tahun 3 0 3 2 0 2 5 1 6
>55 years old
Jumlah 161 120 281 210 184 394 143 156 299
Total
Komposisi Karyawan Baru Berdasarkan Wilayah Kerja
Composition of New Employees Based on Work Area
2023 2022 2021
Penempatan
Placement Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat 97 58 155 88 57 144 60 40 100
Head Office
Kantor di Wilayah 64 62 126 122 127 249 83 116 199
Regional Office
Jumlah 161 120 281 210 184 394 143 156 299
Total
Selain bertambah karena adanya rekrutmen, jumlah karyawan Apart from increasing due to recruitment, the number of
PT Bank KB Bukopin Tbk berkurang dengan adanya karyawan PT Bank KB Bukopin Tbk employees decreased due to
yang berhenti atau meninggalkan Perseroan dengan berbagai employees who quit or left the Company for various reasons
alasan yang dibenarkan undang-undang. Sepanjang tahun justified by law. Throughout 2023, there are 554 employees
2023, karyawan yang meninggalkan Perseroan sebanyak 554 leaving the company, an increase compared to 2022 which
orang, naik dibandingkan tahun 2022 yang mencapai 379 reached 379 people. The increase is influenced by employee
orang. Kenaikan dipengaruhi oleh pengunduran diri karyawan resignation at their own request.
atas permintaan sendiri.
Komposisi karyawan yang meninggalkan PT Bank KB Bukopin The complete composition of employees who left
Tbk berdasarkan gender, wilayah kerja, dan kelompok usia PT Bank KB Bukopin Tbk based on gender, work area and age
selengkapnya disajikan dalam tabel berikut: [GRI 01-1] group is presented in the following table: [GRI 01-1]
Komposisi Karyawan Meninggalkan Perseroan Berdasarkan Composition of Employees Leaving the Company Based on
Status Kepegawaian dan Jenis Kelamin Employment Status and Gender.
2023 2022 2021
Status Kepegawaian
Employment Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Karyawan Tetap 225 181 406 146 97 243 220 171 391
Permanent Employe
Karyawan Tidak Tetap 76 72 148 64 72 136 67 94 161
Non-permanent Employee
Jumlah 301 253 554 210 169 379 287 265 552
Total
118 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Komposisi Karyawan Meninggalkan Perseroan Berdasarkan Kelompok Usia
Composition of Employees Leaving the Company Based on Age Group
2023 2022 2021
Kelompok Usia
Age Group Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
20-24 Tahun 9 23 32 5 22 27 7 23 30
20-24 years old
25-29 Tahun 61 92 153 50 60 110 45 77 122
25-29 years old
30-34 Tahun 80 64 144 56 42 98 75 72 147
30-34 years old
35-39 Tahun 63 38 101 39 20 59 36 36 72
35-39 years old
40-44 Tahun 49 14 63 15 8 23 31 24 55
40-44 years old
45-49 Tahun 20 8 28 9 6 15 30 11 41
45-49 years old
50-54 Tahun 9 2 11 12 1 13 17 7 24
50-54 years old
>55 Tahun 10 12 22 24 10 34 46 15 61
>55 years old
Jumlah 301 253 554 210 169 379 287 265 552
Total
Komposisi Karyawan Meninggalkan Perseroan Berdasarkan Wilayah Kerja
Composition of Employees Leaving the Company Based on Work Area
2023 2022 2021
Penempatan
Placement Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat 97 47 144 64 32 96 79 51 130
Head Office
Kantor di Wilayah 204 206 410 146 137 283 208 214 422
Regional Office
Jumlah 301 253 554 210 169 379 287 265 552
Total
Penyebab karyawan meninggalkan Perusahaan
Reasons why employees leave the Company
Uraian
2023 2022 2021
Description
Mengundurkan Diri 411 229 389
Resignation
Pensiun 19 28 52
Retire
Meninggal Dunia 2 7 19
Passes Away
Alasan lainnya 122 115 86
Other Reasons
Jumlah 554 379 552
Total
PT Bank KB Bukopin Tbk Sustainability Report 2023 119
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Turnover Karyawan Tahun 2021-2023
Employee Turnover 2021-2023
Keterangan
2023 2022 2021
Information
Jumlah karyawan meninggalkan Perseroan (mengundurkan diri) 411 229 389
Number of employees leaving the Company (resignation)
Jumlah karyawan awal tahun 3.374 4.774 5.002
Number of employees at the beginning of the year
Jumlah karyawan akhir tahun 2.618 3.374 4.774
Number of employees at the end of the year
Tingkat Turnover 13.71% 5,62% 7,95%
Turnover Rate
Untuk mendukung operasional yang berkelanjutan, PT Bank To support sustainable operations, PT Bank KB Bukopin Tbk
KB Bukopin Tbk berupaya untuk mengelola tingkat turnover strives to manage employee turnover rates as well as possible.
karyawan dengan sebaik-baiknya. Salah satu upaya yang One of the efforts made is to continually review existing policies
dilakukan adalah senantiasa melakukan tinjauan ulang terhadap regarding remuneration and benefit packages for employees.
kebijakan-kebijakan yang ada terkait remunerasi dan paket Apart from material matters, improvements are always made in
benefit bagi pegawai. Selain hal-hal bersifat materi, perbaikan order to create a conducive and enjoyable work environment for
senantiasa dilakukan dalam rangka menciptakan lingkungan employees. Throughout 2023, as in the data above, employee
kerja yang kondusif dan menyenangkan bagi karyawan. turnover was recorded at 411 people or at 13.71%, an increase
Sepanjang tahun 2023, sebagaimana data di atas, turnover compared to 2022 with the number of employees leaving the
pegawai tercatat sebanyak 411 orang atau sebesar 13,71%, Company at 229 people or a turnover rate of 5.62%. [GRI 401-1]
naik dibandingkan tahun 2022 dengan jumlah karyawan
meninggalkan Perseroan sebanyak 229 orang atau tingkat
turnover sebesar 5,62%. [GRI 401-1]
UPAH MINIMUM REGIONAL [OJK F.20] REGIONAL MINIMUM WAGE [OJK F.20]
PT Bank KB Bukopin Tbk senantiasa memperhatikan PT Bank KB Bukopin Tbk always pays attention to employee
kesejahteraan karyawan demi tercapainya kinerja yang welfare in order to achieve the best performance. Therefore,
terbaik. Oleh karena itu, berkaitan dengan kebijakan pemberian regarding the remuneration policy, the Company is committed
remunerasi, Perseroan berkomitmen untuk memberikan yang to providing the best and paying attention to the applicable
terbaik dan memperhatikan ketentuan serta peraturan yang provisions and regulations. This is important for increasing
berlaku. Hal tersebut penting untuk meningkatkan moral dan employee morale and productivity, as well as attracting
produktivitas karyawan, sekaligus menjadi daya tarik bagi potential new workers. [GRI 3-3]
calon tenaga kerja baru. [GRI 3-3]
Hal yang tak kalah penting, dalam memberikan remunerasi, What is no less important, in providing remuneration,
PT Bank KB Bukopin Tbk menerapkan pola penghargaan PT Bank KB Bukopin Tbk applies a fair reward pattern and
yang adil dan perlakuan yang sama tanpa diskriminasi kepada equal treatment without discrimination to all employees without
seluruh karyawan tanpa membedakan jenis kelamin, suku, ras, distinguishing between gender, ethnicity, race, religion, skin
agama, warna kulit, dan latar belakang lainnya yang bersifat color and other discriminatory backgrounds. Apart from there
diskriminasi. Selain tidak ada diskriminasi, pemberian upah being no discrimination, wages at PT Bank KB Bukopin Tbk
di PT Bank KB Bukopin Tbk diarahkan kepada pencapaian are directed towards achieving the needs of a decent living
kebutuhan hidup layak bagi karyawan. Sejalan dengan itu, maka for employees. In line with this, the minimum wage for the
besaran upah minimum bagi karyawan tetap level terendah lowest level permanent employees will adjust to the price of
akan menyesuaikan dengan harga kebutuhan pokok, tingkat basic necessities, the inflation rate, living standards and other
inflasi, standar kelayakan hidup, dan variabel lainnya, termasuk variables, including the wage rates applicable in each province.
besaran upah yang berlaku di setiap provinsi. Adapun rasio The ratio of basic salary and remuneration for women compared
gaji pokok dan remunerasi perempuan dibandingkan laki-laki to men is the same. [GRI 405-2]
adalah sama. [GRI 405-2]
Sesuai dengan prinsip di atas, Perseroan memastikan bahwa In accordance with the above principles, the Company ensures
remunerasi karyawan tetap level terendah minimal sama that the lowest level of permanent employee remuneration
dengan ketentuan Upah Minimum Provinsi (UMP), yang is at least the same as the Provincial Minimum Wage (UMP),
sebelumnya dikenal dengan istilah Upah Minimum Regional previously known as Level 1 Regional Minimum Wage (UMR
tingkat 1 (UMR Tk.1). Pemberian upah karyawan seperti itu Tk.1). The provision of such employee wages is in accordance
telah sesuai dengan Keputusan Menteri Tenaga Kerja dan with the Decree of the Minister of Manpower and Transmigration
Transmigrasi Nomor 226 Tahun 2000 tentang Perubahan Number 226 of 2000 concerning Amendments to Article 1,
120 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Pasal 1,Pasal 3,Pasal 4,Pasal 8,Pasal,11, Pasal 20, dan Pasal Article 3, Article 4, Article 8, Article 11, Article 20 and Article
21 Peraturan Menteri Tenaga Kerja Nomor PER-01/MEN/1999 21 of the Minister of Manpower Regulation Number PER-01 /
tentang Upah Minimum. Secara spesifik, untuk remunerasi MEN/1999 concerning Minimum Wages. Specifically, for the
karyawan tetap level terendah tahun 2023, Perseroan merujuk lowest level of permanent employee remuneration in 2023,
Peraturan Menteri Ketenagakerjaan (Permenaker) Nomor 18 the Company refers to Minister of Manpower Regulation
Tahun 2022 tentang Penetapan Upah Minimum Tahun 2023. (Permenaker) Number 18 of 2022 concerning Determination of
Sesuai dengan pedoman tersebut, remunerasi karyawan tetap Minimum Wages for 2023. In accordance with these guidelines,
dibandingkan dengan Upah Minimum Provinsi (UMP) yang permanent employee remuneration is compared with the
ditetapkan pemerintah selengkapnya adalah sebagai berikut: Provincial Minimum Wage (UMP) set by the government in
[GRI 3-3, 202-1] [OJK F.20] full is as follows: [GRI 3-3, 202-1] [OJK F.20]
Tabel Upah Karyawan Tetap Terendah Dibanding Upah Minimum Regional/Provinsi Tahun 2023
Table of Lowest Permanent Employee Wages Compared to Regional/Provincial Minimum Wages in 2023
Upah Minimum Imbal Jasa
Provinsi Karyawan Tetap
Unit Usaha Provinsi / Daerah Persentase
No. Provincial Minimum Level Terendah
Business Unit Province / Regions Percentage
Wage Lowest Permanent
Employee Wages
1 Balikpapan Balikpapan 3.324.273 3.324.300 100,00%
2 Bandar Lampung Bandar Lampung 2.991.349 2.991.400 100,00%
3 Bandung Bandung 4.048.462 4.048.500 100,00%
4 Banjarmasin Banjarmasin 3.236.248 3.236.300 100,00%
5 Banyuwangi Banyuwangi 2.528.899 2.528.900 100,00%
6 Batam Batam 4.500.440 4.500.500 100,00%
7 Bekasi Bekasi 4.901.798 4.901.800 100,00%
8 Bogor Bogor 4.639.429 4.639.500 100,00%
9 Cikarang Cikarang 4.901.798 4.901.800 100,00%
10 Cilegon Cilegon 4.657.222 4.657.300 100,00%
11 Cirebon Cirebon 2.456.516 2.456.600 100,00%
12 Denpasar Denpasar 2.994.646 2.994.700 100,00%
13 Depok Depok 4.901.798 4.901.800 100,00%
14 Jakarta BSD City Jakarta 4.901.798 4.901.800 100,00%
15 Jakarta Gunung Sahari Jakarta 4.901.798 4.901.800 100,00%
16 Jakarta Kebon Jeruk Jakarta 4.901.798 4.901.800 100,00%
17 Jakarta Kelapa Gading Jakarta 4.901.798 4.901.800 100,00%
18 Jakarta Pluit Jakarta 4.901.798 4.901.800 100,00%
19 Jakarta Pondok Indah Jakarta 4.901.798 4.901.800 100,00%
20 Jakarta S Parman Jakarta 4.901.798 4.901.800 100,00%
21 Jakarta Saharjo Jakarta 4.901.798 4.901.800 100,00%
22 Jakarta Sentraya Jakarta 4.901.798 4.901.800 100,00%
23 Jambi Jambi 3.230.207 3.230.300 100,00%
24 Jember Jember 2.555.662 2.555.700 100,00%
25 Karawang Karawang 5.176.179 5.176.200 100,00%
26 Kediri Kediri 2.318.116 2.318.200 100,00%
27 Kudus Kudus 2.439.813 2.439.900 100,00%
28 Kupang Kupang 2.187.000 2.187.000 100,00%
29 Madiun Madiun 2.190.216 2.190.300 100,00%
30 Magelang Magelang 2.066.006 2.066.100 100,00%
31 Makassar Makassar 3.523.219 3.523.300 100,00%
32 Malang Malang 3.194.143 3.194.200 100,00%
33 Manado Manado 3.530.000 3.530.000 100,00%
34 Mataram Mataram 2.598.079 2.598.100 100,00%
PT Bank KB Bukopin Tbk Sustainability Report 2023 121
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Tabel Upah Karyawan Tetap Terendah Dibanding Upah Minimum Regional/Provinsi Tahun 2023
Table of Lowest Permanent Employee Wages Compared to Regional/Provincial Minimum Wages in 2023
Upah Minimum Imbal Jasa
Provinsi Karyawan Tetap
Unit Usaha Provinsi / Daerah Persentase
No. Provincial Minimum Level Terendah
Business Unit Province / Regions Percentage
Wage Lowest Permanent
Employee Wages
35 Medan Medan 3.624.117 3.624.200 100,00%
36 Medan Setiabudi Medan 3.624.117 3.624.200 100,00%
37 Padang Padang 2.742.476 2.742.500 100,00%
38 Palembang Palembang 3.541.082 3.541.100 100,00%
39 Palu Palu 3.073.895 3.073.900 100,00%
40 Parepare Parepare 3.384.876 3.384.900 100,00%
41 Pekanbaru Pekanbaru 3.319.023 3.319.100 100,00%
42 Pontianak Pontianak 2.750.644 2.750.700 100,00%
43 Probolinggo Probolinggo 2.576.240 2.576.300 100,00%
44 Purwokerto Purwokerto 2.118.123 2.118.200 100,00%
45 Samarinda Samarinda 3.329.199 3.329.200 100,00%
46 Semarang Semarang 3.060.348 3.060.400 100,00%
47 Sidoarjo Sidoarjo 4.518.581 4.518.600 100,00%
48 Solo Solo 2.174.169 2.174.200 100,00%
49 Sorong Sorong 3.864.696 3.864.700 100,00%
50 Sukabumi Sukabumi 2.747.774 2.747.800 100,00%
51 Surabaya Surabaya 4.525.479 4.525.500 100,00%
52 Surabaya Bratang Surabaya 4.525.479 4.525.500 100,00%
53 Surabaya Lenmarc Surabaya 4.525.479 4.525.500 100,00%
54 Tanjung Pinang Tanjung Pinang 3.279.194 3.279.200 100,00%
55 Tasikmalaya Tasikmalaya 2.533.341 2.533.400 100,00%
56 Tegal Tegal 2.145.012 2.145.100 100,00%
57 Yogyakarta Yogyakarta 2.324.775 2.324.800 100,00%
Kebijakan lain berkaitan dengan upah/remunerasi, PT Bank KB Another policy relating to wages/remuneration, PT Bank KB
Bukopin Tbk memberikan rasio gaji pokok kepada karyawan Bukopin Tbk provides a basic salary ratio to employees in
sesuai dengan ketentuan penggajian yang nilainya tidak accordance with salary provisions whose value does not
membedakan antara laki-laki dan perempuan. Sementara differentiate between men and women. Meanwhile, the amount
penentuan besaran paket remunerasi yang diterima karyawan of remuneration packages received by employees is determined
ditetapkan sesuai dengan jabatan, masa kerja dan kinerja according to the employee’s position, length of service and
pegawai dan bukan berdasarkan jenis kelamin. Hingga akhir performance and not based on gender. Until the end of 2023,
tahun 2023, jumlah karyawan PT Bank KB Bukopin Tbk the number of PT Bank KB Bukopin Tbk employees reaches
sebanyak 2.618 orang dengan komposisi 1.504 karyawan laki- 2,618 employees with a composition of 1,504 male employees
laki dan 1.114 karyawan perempuan. Dari komposisi tersebut, and 1,114 female employees. From this composition, it appears
terlihat adanya perimbangan yang cukup baik antara karyawan that there is a fairly good balance between male and female
laki-laki dan perempuan di Bank PT Bank KB Bukopin Tbk. employees at Bank PT Bank KB Bukopin Tbk.
PT Bank KB Bukopin Tbk menyadari bahwa karyawan PT Bank KB Bukopin Tbk realizes that employees and
dan manajemen, termasuk badan tata kelola yaitu Dewan management, including the governance bodies namely the
Komisaris dan Direksi, berasal dari berbagai latar belakang Board of Commissioners and Board of Directors, come from
yang beragam, baik dari sisi jenis kelamin, suku, agama, various backgrounds, both in terms of gender, ethnicity, religion,
budaya, usia, pengalaman kerja, pendidikan, dan sebagainya. culture, age, work experience, education, and so on. However,
Meskipun demikian, PT Bank KB Bukopin Tbk percaya PT Bank KB Bukopin Tbk believes that diversity is actually an
bahwa keanekaragaman tersebut justru merupakan suatu asset for the Company to be able to encourage the creation
modal bagi Perseroan untuk dapat mendorong terciptanya of an atmosphere of tolerance and mutual respect, which is
suasana toleransi dan saling menghormati di mana hal ini very positive in supporting the achievement of the Company’s
sangat positif dalam rangka mendukung tercapainya tujuan goals. With this diversity, it is hoped that each employee and
Perseroan. Dengan adanya keberagaman ini diharapkan setiap management can complement each other and work together
karyawan dan manajemen dapat saling melengkapi dan bekerja to achieve the best performance so that the Company’s
122 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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sama untuk mencapai kinerja terbaik sehingga keberlanjutan sustainability can continue to be maintained. The diversity
Perseroan dapat terus terjaga. Keanekaragaman karyawan dan of employees and management is presented in the Labor/
manajemen disampaikan dalam Sub Bab Tenaga Kerja pada Employee Sub-Chapter in the Profile Chapter of this report,
Bab Profil laporan ini, adapun keanekaragaman badan tata while the diversity of governance bodies is presented in the
kelola disampaikan dalam Laporan Tahunan Perseroan Bab Company’s Annual Report in the Good Corporate Governance
Tata Kelola Perusahana yang Baik. [GRI 3-3, 405-1] Chapter. [GRI 3-3, 405-1]
Komitmen PT Bank KB Bukopin Tbk memberikan kesetaraan PT Bank KB Bukopin Tbk commitment to providing equal
remunerasi antara karyawan laki-laki dan perempuan, termasuk remuneration between male and female employees, including
rasio gaji pokok, merupakan implementasi Undang-Undang No. the basic salary ratio, is an implementation of Law no. 13 of
13 tahun 2003 tentang Ketenagakerjaan, serta Konvensi ILO 2003 concerning Employment, as well as ILO Convention No:
No: 100/1951 tentang Pengupahan yang Sama bagi Pekerja 100/1951 concerning Equal Remuneration for Men and Women
Laki-laki dan Wanita untuk Pekerjaan yang Sama Nilainya (Equal Workers for Work of Equal Value. [GRI 405-2]
Remuneration for Men and Women Workers for Work of Equal
Value). [GRI 405-2]
Selain memberikan remunerasi secara adil dan setara Apart from providing fair and equal remuneration between
antara karyawan pria dan wanita, PT Bank KB Bukopin Tbk male and female employees, PT Bank KB Bukopin Tbk also
juga memberikan tunjangan kepada karyawan berdasarkan provides benefits to employees based on their status as follows:
statusnya sebagai berikut: [GRI 401-2] [GRI 401-2]
Tabel Tunjangan Karyawan Berdasarkan Status Tahun 2023
Employee Benefits Table by Status in 2023
Komponen Karyawan Tetap Pegawai Tidak Tetap
Component Permanent Employee Non-Permanent Employee
Tunjangan Bantuan Pendidikan √ √
Education assistance
Tunjangan Cuti √ √
Leave Benefits
Tunjangan Kacamata √ √
Glasses allowance
Tunjangan Hari Raya √ √
Holiday allowance
CUTI MELAHIRKAN MATERNITY LEAVE
Cuti melahirkan merupakan hak normatif bagi karyawan Maternity leave is a normative right for female employees which
perempuan yang dijamin pemenuhannya oleh PT Bank KB Bukopin is guaranteed to be fulfilled by PT Bank KB Bukopin Tbk. In
Tbk. Berkaitan dengan cuti melahirkan, sebagaimana diatur dalam relation to maternity leave, as regulated in the Collective Labor
Perjanjian Kerja Bersama (PKB), Perseroan memberikan waktu Agreement (CLA), the Company provides time for 3 months.
selama 3 bulan. Selaras dengan itu, Perseroan juga memberikan In line with this, the Company also provides 3 days of leave
cuti selama 3 hari kerja kepada karyawan laki-laki yang istrinya during working days to male employees whose wives give
melahirkan (paternity leave). [GRI 3-3] birth (paternity leave). [GRI 3-3]
Selama tahun 2023, karyawan perempuan yang memiliki hak During 2023, there are 76 female employees who are entitled to
cuti melahirkan dan mengambil hak tersebut sebanyak 76 maternity leave and opted to exercise this right. Once the leave
orang. Setelah waktu cutinya habis, sebanyak 69 orang atau is done, there are 69 employees or 90.78% that return to work.
90,78% telah kembali bekerja. Sementara itu, dari data tahun Meanwhile, from 2022 data, there are 71 female employees
2022, dari 73 karyawan wanita yang mengambil cuti melahirkan, or 97.26% from 73 female employees who opted to go on
kembali bekerja, dan tetap bekerja hingga 12 bulan berikutnya maternity leave, returned to work, and remain employed for the
adalah 71 orang atau 97,26%. Sementara itu, karyawan laki-laki next 12 months. Meanwhile, there are 52 male employees who
yang memiliki hak mengambil cuti karena istrinya melahirkan are entitled to paternal leave because their wives are giving
pada tahun 2023 tercatat sebanyak 52 orang, dan sebanyak birth in 2023, and from that number, there are 52 employees
52 orang atau 100% mengambil hak tersebut. Adapun jumlah or 100% of them that opted to exercise the right. The number
karyawan laki-laki yang kembali bekerja setelah hak cuti of male employees who returned to work after finishing their
mendampingi istri berakhir pada tahun pelaporan adalah 52 paternal leave in the reporting year is at 52 employees or
orang atau 100%. Selanjutnya, dari data tahun 2022, dari 72 100%. Furthermore, from 2022 data, from 72 male employees
karyawan laki-laki yang mengambil cuti melahirkan, tercatat who opted to exercise the paternal leave, it was recorded that
sebanyak 72 orang telah kembali bekerja, dan tetap bekerja there are 72 employees who return to work, and there are 70
hingga 12 bulan berikutnya adalah 70 orang atau 97,2%. person or 97.2% that returned to work, and continued to work
GRI 401-3] for the next 12 months. [GRI 401-3]
PT Bank KB Bukopin Tbk Sustainability Report 2023 123
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PELATIHAN DAN PENGEMBANGAN EMPLOYEE CAPACITY TRAINING
KEMAMPUAN KARYAWAN [OJK F.22] AND DEVELOPMENT [OJK F.22]
Peningkatan kapasitas dan kemampuan karyawan merupakan Increasing employee capacity and ability is an important key to
kunci penting untuk mewujudkan pertumbuhan dan kinerja realizing the growth and sustainable performance of PT Bank
keberlanjutan PT Bank KB Bukopin Tbk. Untuk itu, Perseroan KB Bukopin Tbk. For this reason, the Company is committed
berkomitmen untuk terus mengembangkan potensi karyawan to continuing to develop employee potential consistently and
secara konsisten dan berkesinambungan. Peningkatan continuously. Competency improvement is carried out through
kompetensi dilakukan melalui berbagai program pelatihan various training and education programs on an ongoing basis.
dan pendidikan secara berkelanjutan. Perseroan memberikan The Company provides equal opportunities for every employee
kesempatan yang sama kepada setiap karyawan untuk to take part in education and training programs to improve skills
mengikuti program pendidikan dan pelatihan guna meningkatkan and knowledge in various work fields and position levels, both
keterampilan dan pengetahuan di berbagai bidang pekerjaan in terms of soft competency and hard competency. [GRI 3-3]
dan level jabatan, baik dari sisi soft competency maupun hard
competency. [GRI 3-3]
Berkaitan dengan pengembangan kompetensi, Perseroan In relation to competency development, the Company has a
memiliki program pelatihan yang bersifat wajib (mandatory) mandatory training program for each level of position. The
untuk setiap level jabatan. Pelatihan tersebut disesuaikan training is tailored to the employee’s job implementation needs
dengan kebutuhan pelaksanaan pekerjaan karyawan dan juga and also to support the employee’s future career development.
untuk mendukung pengembangan karier karyawan ke depan. Implementation of mandatory training for each position level
Pelaksanaan pelatihan yang bersifat mandatory untuk masing- in 2023 is as follows: [GRI 404-2]
masing level jabatan tahun 2023 adalah sebagai berikut:
[GRI 404-2]
Tabel Pelatihan Karyawan Tahun 2023
2023 Employee Training Table
Jumlah
Jabatan Level Program Pelatihan Tujuan Pelatihan Peserta
Level Position Training Program Training Objectives Number of
participants
Seluruh Level Training Induction Training bagi karyawan baru Bank PT Bank KB Bukopin 181
All Levels Induction Training Tbk untuk meningkatkan pemahaman dalam hal company
profile, kebijakan, produk, dll
Training for new employees of Bank PT Bank KB Bukopin
Tbk to increase understanding in terms of company profile,
policies, products, etc
Staff Basic Financial Analysis untuk mengetahui profitabilitas sebuah perusahaan 164
Staff Basic Financial Analysis to determine the profitability of a company
Coordinator, Manager, Sertifikasi Manajemen Risiko Pemenuhan kompetensi pejabat Bank di bidang manajemen 534
Department Head, Division Head, Level I-V risiko sesuai ketentuan regulator
Direksi, Komisaris Level I-V Risk Management Fulfilling the competence of Bank officials in the field of risk
Coordinator, Manager, Certification management in accordance with regulatory provisions
Department Head, Division Head,
Directors, Commissioners
Relationship Banking Officer, Sertifikasi Wakil Agen Penjual Pemenuhan lisensi karyawan marketing funding untuk 57
Priority Banking Officer Reksadana (WAPERD) menjual produk reksadana
Relationship Banking Officer, Mutual Fund Sales Agent Fulfillment of marketing funding employee licenses to sell
Priority Banking Officer Representative Certification mutual fund products
(WAPERD)
Karyawan fungsi Treasury Sertifikasi Treasury Pemenuhan kompetensi karyawan treasury di bidang 3
Treasury function employees Level Basic, Advanced, treasury dealer sesuai ketentuan regulator
Intermediate Fulfilling the competency of treasury employees in the
Basic, Advanced, treasury dealer sector in accordance with regulatory
Intermediate Level Treasury provisions
Certification
Karyawan fungsi SDM Training Struktur & Skala Memberikan bekal kepada peserta agar dapat membuat 16
HR function employees Upah struktur skala upah yang baik & benar
Training Structure & Wage Providing provisions to participants so they can create a
Scale good & correct wage scale structure
124 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Tabel Pelatihan Karyawan Tahun 2023
2023 Employee Training Table
Jumlah
Jabatan Level Program Pelatihan Tujuan Pelatihan Peserta
Level Position Training Program Training Objectives Number of
participants
Karyawan fungsi Operasional Sertifikasi Kompetensi Sertifikasi Kompetensi Sistem Pembayaran dan Pengelolaan 828
Operational function employees Sistem Pembayaran dan Uang Rupiah (SPPUR)
Pengelolaan Uang Rupiah Payment System and Rupiah Currency Management
(SPPUR) Competency Certification (SPPUR)
Payment System and Rupiah
Currency Management
Competency Certification
(SPPUR)
Seluruh Karyawan Anti Pencucian Uang dan Meningkatkan pemahaman karyawan mengenai kejahatan 2192
All Employees Pencegahan Pendanaan pencucian uang serta cara mengantisipasinya
Terorisme (APU PPT) Increase employee understanding of money laundering
Anti-Money Laundering and crimes and how to anticipate them
Combating Financing of
Terrorism (AML/CFT)
Seluruh Karyawan Anti Fraud Meningkatkan kemampuan para karyawan untuk memahami 2093
All Employees Anti Fraud dan mampu mendeteksi, mencegah terjadinya fraud di
tempat kerja sehingga membantu perusahaan dalam
menjaga aset dan reputasinya
Increase the ability of employees to understand and be
able to detect and prevent fraud in the workplace thereby
helping the company to protect its assets and reputation
Seluruh Karyawan Refreshment Sertifikasi untuk memberikan penyegaran kepada para karyawan 311
All Employees Manajemen Risiko Level 1-5 yang telah lulus ujian sertifikasi manajemen risiko dan juga
Risk Management pemeliharaan sertifikasi manajemen risiko di mana masa
Certification Refreshment berlaku
Level 1-5 to provide refreshment to employees who have passed the
risk management certification exam and also maintain risk
management certification where it is valid
Karyawan Fungsi Perkreditan Training Mortgage Mengetahui dan memahami filosofi kredit konsumtif dan 23
Credit Function Employees Mortgage Training KPR (Mortgage)
Apprehend and understand the philosophy of consumer
credit and KPR (Mortgage)
Karyawan Level Managerial Leadership Meningkatkan kompetensi leadership para karyawan di 61
Managerial Level Employees Training level Manajerial
Leadership Training Increasing the leadership competence of employees at the
Managerial level
Selanjutnya, sesuai dengan regulasi terbaru yaitu POJK Furthermore, in accordance with the latest regulations; POJK
No.24, yang di dalamnya mengatur tentang penyediaan No. 24, which regulate the provision of funds for developing the
dana untuk pengembangan kualitas SDM Bank Umum quality of human resources for Commercial Banks at a minimum
sekurang-kurangnya 3,5% dari Biaya Tenaga Kerja (BTK), of 3.5% of Labor Costs (BTK), the Company has released funds
Perseroan telah mengeluarkan dana pengembangan competency development amounting to IDR9,634,908,176
kompetensi sebesar Rp9.634.908.176 selama tahun 2023. during 2023. This amount decreases compared to 2022
Jumlah itu turun dibandingkan tahun 2022 yang mencapai which reached IDR10,432,654,888, namely 1.54% of BTK. The
Rp10.432.654.888 yaitu 1,54% dari BTK. Adapun rekapitulasi complete summary of competency development activities and
kegiatan pengembangan kompetensi dan rerata jam pelatihan average employee training hours, including mandatory training,
karyawan selengkapnya, termasuk pelatihan yang bersifat is as follows: [GRI 404-1]
mandatory, adalah sebagai berikut: [GRI 404-1]
PT Bank KB Bukopin Tbk Sustainability Report 2023 125
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Tabel Jam Pelatihan dan Pendidikan Tahun 2021-2023
Table of Training and Education Hours 2021-2023
Jumlah Pekerja yang Rata-rata Jam Pelatihan Setiap
Memperoleh Pelatihan Jam Pelatihan Pekerja
Uraian Number of Workers Who Received Training Hours Average Training Hours Per
Description Training Worker
2023 2022 2021 2023 2022 2021 2023 2022 2021
Keseluruhan 4.337 4.681 5.825 620.296 582.024 1.167.424 237 172 243
Overall
Berdasarkan Gender
Based on Genders
Laki-laki | Male 2.870 2.697 2.394 410.479 335.338 629.746 157 99 131
Perempuan | Female 1.467 1.984 2.044 209.817 246.686 537.678 80 73 112
Berdasarkan kategori jabatan karyawan
Based on the Position Level of the Employees
Division Head EVP SVP 24 17 13 3.433 2.114 3.420 1 1 1
Regional Head SVP REG 3 6 8 429 746 2.104 0,2 0,02 0,44
BISNIS
Dept Head VP 67 86 60 9.583 10.693 15.783 4 3 3
Branch Manager 53 46 56 7.580 5.720 14.731 3 2 3
Manager 442 504 439 63.217 62.666 115.480 24 19 24
Coordinator 273 257 268 39.046 31.955 70.498 15 9 15
Officer 946 999 1.269 135.301 124.213 333.813 52 37 69
Clerical 1.475 2.425 2.256 210.961 301.519 593.445 81 89 124
Non Staff 1.032 314 40 147.601 39.042 10.522 56 12 2
Selain kepada karyawan yang masih aktif, PT Bank KB Bukopin Apart from employees who are still active, PT Bank KB Bukopin
Tbk melaksanakan program purnabhakti bagi karyawan yang Tbk implements a retirement program for employees who are
hendak memasuki masa pensiun antara lain berupa: about to retire, including:
1. Pengelolaan Masa Persiapan Pensiun (MPP); 1. Management of the Retirement Preparation Period (MPP);
2. Training Masa Purnabhakti sebagai pembekalan bagi 2. Retirement Period Training as a provision for employees
para karyawan beserta pasangannya (suami-istri) dalam and their partners (husband and wife) in facing retirement;
menghadapi masa pensiun;
3. Penghargaan koin emas; 3. Gold coin award;
4. Fasilitas asuransi kesehatan serta layanan kesehatan lainnya. 4. Health insurance facilities and other health services.
Training Masa Purnabhakti Tahun 2023 [GRI 404-2]
Retirement Period Training in 2023 [GRI 404-2]
Jumlah
Syarat Peserta
Materi Pelatihan Tujuan Waktu/Tempat Peserta
No. Participant
Material of Training Objectives Time / Location Total
Requirement
Participants
1 New Life Journey Training Membekali karyawan yang terdaftar dalam Online Training Terdaftar di HC 179
program untuk mempersiapkan diri dan Registered in HC
merencanakan masa depan lebih baik
Equip employees enrolled in the program
to prepare themselves and plan for a better
future.
2 New Life Journey Training Membekali karyawan yang terdaftar dalam Online Training Terdaftar di HC 17
program untuk mempersiapkan diri dan Registered in HC
merencanakan masa depan lebih baik
Equip employees enrolled in the program
to prepare themselves and plan for a better
future.
Seiring dengan itu, PT Bank KB Bukopin Tbk juga memiliki Along with that, PT Bank KB Bukopin Tbk also has a pension
program pensiun yang dilaksanakan sejak karyawan masih program which is implemented when employees are still actively
aktif bekerja yaitu: working, namely:
1. Tunjangan Jaminan Pensiun; 1. Pension Security Benefit;
2. Tunjangan Hari Tua (JHT); 2. Old Age Benefits (JHT);
3. Dana Pensiun yang diberikan secara proporsional 3. Pension funds are provided proportionally based on length
berdasarkan masa kerja. of service.
126 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 127
SISTEM MANAJEMEN EMPLOYEE PERFORMANCE
KINERJA PEGAWAI MANAGEMENT SYSTEM
PT Bank KB Bukopin Tbk menetapkan sistem manajemen PT Bank KB Bukopin Tbk establishes a fair and transparent
kinerja bagi pegawai secara adil dan transparan. Dalam hal performance management system for employees. In this case,
ini, Perseroan menetapkan Key Performance Indicator (KPI) the Company determines Individual Key Performance Indicators
Individu yang digunakan sebagai dasar penilaian kinerja individu (KPI) which are used as a basis for assessing individual
pegawai. KPI individu merupakan turunan dari KPI Unit Kerja di employee performance. Individual KPIs are derivatives of
mana KPI Unit Kerja juga merupakan turunan dari KPI Korporat. Work Unit KPIs where Work Unit KPIs are also derivatives of
[GRI 3-3] Corporate KPIs. [GRI 3-3]
Tahapan sistem manajemen kinerja meliputi Perencanaan, The stages of the performance management system include
Pelaksanaan dan Evaluasi, dimana dalam sistem ini terdapat Planning, Implementation and Evaluation, where in this
proses diskusi antara atasan dengan bawahan terkait target system there is a discussion process between superiors and
dan pencapaiannya, proses pemantauan dan umpan balik subordinates regarding targets and achievements, monitoring
serta evaluasi kinerja. Hasil dari evaluasi kinerja digunakan and feedback processes and performance evaluation. The
sebagai dasar dalam manajemen karier dan talenta, manajemen results of performance evaluations are used as a basis for
kompensasi dan beberapa proses terkait kebijakan dalam career and talent management, compensation management
Pengelolaan Sumber Daya Manusia. and several policy-related processes in Human Resources
Management.
Perseroan melakukan penilaian KPI individu secara berkala di The Company conducts regular individual KPI assessments
mana hasilnya selain digunakan sebagai dasar dalam penentuan where the results are not only used as a basis for determining
reward and punishment bagi pegawai yang bersangkutan, juga rewards and punishment for the employees concerned, but
digunakan sebagai pertimbangan dalam penentuan jenjang are also used as a consideration in carrier path planning. The
karier karyawan (carrier planning). Hasil penilaian KPI individu complete individual KPI assessment results are presented in
selengkapnya disampaikan dalam tabel berikut: [GRI 404-3] the following table: [GRI 404-3]
Tinjauan Rutin Karyawan dan Jenjang Karier Tahun 2021-2023
Routine Review of Employees and Career Paths for 2021-2023
Hasil Penilaian dan Relevansi Pengembangan Karier
Assessment Result and Revelance on the Career
Tahun Jumlah Pegawai yang Mendapatkan Peninjauan Development
Year Review Number of Employees receiving reviews
Promosi Mutasi Demosi
Promotion Transfers Demotion
2023 985 (38% dari total karyawan) 101 884 0
985 (38% of the total employees)
2022 617 (18% dari total karyawan) 242 373 2
617 (18% of the total employees)
2021 655 (14% dari total karyawan) 299 356 0
655 (14% of the total employees)
KESEHATAN DAN KESELAMATAN OCCUPATIONAL HEALTH
KERJA [OJK F.21] AND SAFETY [OJK F.21]
Penciptaan lingkungan kerja yang layak dan aman sesuai Creating a decent and safe work environment in accordance
kaidah Keselamatan dan Kesehatan Kerja (K3) akan berbanding with Occupational Safety and Health (OHS) principles will be
lurus dengan tingkat kinerja karyawan. Oleh karena itu, PT directly proportional to the level of employee performance.
Bank KB Bukopin Tbk berupaya semaksimal mungkin untuk Therefore, PT Bank KB Bukopin Tbk makes every effort to
mewujudkan lingkungan kerja terbaik dengan mematuhi regulasi create the best working environment by complying with
yang berlaku, baik yang berkaitan dengan keselamatan kerja, applicable regulations, both relating to work safety, health
kesehatan, maupun penyakit akibat kerja. Melalui berbagai and occupational diseases. Through these various efforts,
upaya tersebut, Perseroan optimis akan berdampak positif the Company is optimistic that it will have a positive impact by
dengan meningkatnya kinerja karyawan, yang bermuara pada increasing employee performance, which will lead to increasing
meningkatnya kinerja perusahaan secara keseluruhan. [GRI 3-3] overall company performance. [GRI 3-3]
Kesehatan kerja menjadi fokus Perseroan sebagai bentuk Occupational health is the Company’s focus as a form of
kepatuhan terhadap Pasal 23, Undang-Undang Republik compliance with Article 23, Law of the Republic of Indonesia
Indonesia Nomor 23 Tahun 1992 tentang Kesehatan, yang Number 23 of 1992 concerning Health, which regulates that
mengatur bahwa setiap tempat kerja wajib menyelenggarakan every workplace is obliged to provide occupational health;
PT Bank KB Bukopin Tbk Sustainability Report 2023 127
Page 128
kesehatan kerja; kesehatan kerja meliputi pelayanan kesehatan occupational health includes occupational health services, kerja, pencegahan penyakit akibat kerja, dan syarat kesehatan prevention of occupational diseases, and occupational health kerja; dan, kesehatan kerja diselenggarakan untuk mewujudkan requirements; and, occupational health is implemented to produktivitas kerja yang optimal. realize optimal work productivity. Sejalan dengan itu, keselamatan kerja juga mendapat perhatian In line with that, work safety also receives the Company’s Perseroan karena hal tersebut seusai dengan spirit Undang- attention because this is in accordance with the spirit of Law Undang Republik Indonesia Nomor 1 Tahun 1970 tentang of the Republic of Indonesia Number 1 of 1970 concerning Keselamatan Kerja, yaitu setiap tenaga kerja berhak mendapat Work Safety, namely that every worker has the right to receive perlindungan atas keselamatannya dalam melakukan pekerjaan protection for their safety in conducting work for the welfare untuk kesejahteraan hidup dan meningkatkan produksi of life and increasing national production and productivity, serta produktivitas nasional, dan setiap orang lainnya yang and everyone else who is in the workplace needs to have their berada di tempat kerja perlu terjamin pula keselamatannya. safety guaranteed. In connection with the implementation Berkaitan dengan implementasi K3, penyakit akibat kerja juga of OHS, occupational diseases do not go unnoticed by tidak diabaikan oleh PT Bank KB Bukopin Tbk. Dalam hal ini, PT Bank KB Bukopin Tbk. In this case, the Company refers Perseroan merujuk pada Peraturan Presiden Republik Indonesia to the Presidential Regulation of the Republic of Indonesia Nomor 7 Tahun 2019 tentang Penyakit Akibat Kerja, yang Number 7 of 2019 concerning Occupational Diseases, which mendefinisikan penyakit akibat kerja sebagai penyakit yang defines occupational diseases as diseases caused by work disebabkan oleh pekerjaan dan/atau lingkungan Kerja. [GRI 3-3] and/or the environment. Work. [GRI 3-3] Regulasi lain yang menjadi pedoman pelaksanaan K3 adalah Another regulation that guides the implementation of OHS Peraturan Menteri Kesehatan Republik Indonesia Nomor 48 is the Regulation of the Minister of Health of the Republic of Tahun 2016 tentang Standar Manajemen Keselamatan dan Indonesia Number 48 of 2016 concerning OHS Management Kesehatan Kerja Perkantoran (SMK3 Perkantoran). Menurut Standard for Office Workplace. According to this regulation, peraturan ini, SMK3 Perkantoran didefinisikan sebagai bagian OHS Management Standard for Office Workplace is defined dari sistem manajemen gedung perkantoran secara keseluruhan as part of the management system of office building as a dalam rangka pengendalian risiko yang berkaitan dengan whole in the context of controlling risks related to work kegiatan kerja guna terciptanya tempat kerja yang aman, efisien activities in order to create a safe, efficient and productive dan produktif. Merujuk definisi tersebut, maka penerapan SMK3 workplace. Referring to this definition, the implementation of berlaku bagi seluruh karyawan di perusahaan. Selanjutnya, OHS Management Standard applies to all employees in the sebagai bagian dari pengendalian risiko, maka Perseroan telah company. Furthermore, as part of risk control, the Company has melakukan pemetaan atau identifikasi bahaya, penilaian risiko carried out hazard mapping or identification, risk assessment serta mitigasi risiko K3 di lingkungan PT Bank KB Bukopin Tbk. and OHS risk mitigation within the Bukopin KB environment. [GRI 403-1, 403-2, 403-4, 403-8] [GRI 403-1, 403-2, 403-4, 403-8] Berkaca pada urgensi untuk mewujudkan lingkungan kerja Reflecting on the urgency to create the best work environment in terbaik sesuai kaidah K3, manajemen dan karyawan PT Bank KB accordance with K3 principles, the management and employees Bukopin Tbk berkomitmen untuk bersinergi dan bersama-sama of PT Bank KB Bukopin Tbk are committed to synergizing and menerapkan berbagai regulasi terkait K3 sehingga tercipta jointly implementing various regulations related to K3 so as budaya K3 di lingkungan Perseroan. Melalui penerapan budaya to create an K3 culture within the Company. By implementing K3, Perseroan optimis akan dapat menekan angka kecelakaan an K3 culture, the Company is optimistic that it will be able to kerja menuju zero accident, sekaligus tidak terdapat penyakit reduce the number of work accidents towards zero accidents, akibat kerja. Selama tahun 2023, KB Bukopin telah menyusun while at the same time there will be no work-related illnesses. rencana program K3, dan melaksanakannya di sepanjang During 2023, KB Bank has developed an OHS program plan, tahun. Program tersebut termasuk di dalamnya pelatihan K3. and implemented it throughout the year. The program included [GRI 403-5] OHS training. [GRI 403-5] 128 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 129
Selain menyelenggarakan berbagai program dan kegiatan K3 Apart from organizing various OHS programs and activities as seperti di atas, Perseroan juga mendaftarkan setiap karyawan above, the Company also registers every employee to become menjadi peserta Badan Penyelenggara Jaminan Sosial (BPJS) a participant in the Health Social Security Administering Body Kesehatan sebagai upaya Perseroan dalam menjamin kesehatan (BPJS) as the Company’s effort to ensure employee health pegawai selama bekerja. Lebih lanjut, PT Bank KB Bukopin Tbk while working. Furthermore, PT Bank KB Bukopin Tbk also juga menyediakan layanan kesehatan bekerja sama dengan provides health services in collaboration with commercial health perusahaan asuransi kesehatan komersial dengan benefit atau insurance companies with benefits for inpatient, outpatient, manfaat rawat inap, rawat jalan, rawat gigi maupun melahirkan, dental and childbirth care, company doctor facilities on standby fasilitas dokter perusahaan yang siaga di kantor, bantuan biaya in the office, assistance with glasses and childbirth costs. Health kacamata dan melahirkan. Asuransi kesehatan dapat digunakan insurance can be used in most hospitals in big cities, including di sebagian besar rumah sakit di kota-kota besar, termasuk cities where there are PT Bank KB Bukopin Tbk Bank Branch kota-kota di mana terdapat Kantor Cabang Bank PT Bank KB Offices. To provide better health services, Company doctors Bukopin Tbk. Untuk memberikan layanan kesehatan yang lebih who are on standby in the office can be used by employees baik, dokter Perusahaan yang siaga di kantor dapat dimanfaatkan as first aid when their health declines and disrupts their work oleh karyawan sebagai pertolongan pertama di saat kesehatannya activities (first aid medical help). Apart from that, the Company menurun dan mengganggu aktivitas kerjanya (first aid medical Doctor is also a place for employee health consultations. help). Selain itu, Dokter Perusahaan juga menjadi tempat konsultasi [GRI 403-3, 403-6] kesehatan karyawan. [GRI 403-3, 403-6] Komitmen PT Bank KB Bukopin Tbk terhadap upaya mewujudkan PT Bank KB Bukopin Tbk’s commitment towards the efforts lingkungan kerja terbaik juga dilakukan dengan melengkapi in creating the best working environment is also carried gedung perkantoran dengan berbagai sarana dan prasarana out by equipping office buildings with various facilities and untuk menghadapi situasi gawat darurat. Untuk mengantisipasi infrastructure to deal with emergency situations. To anticipate bahaya kebakaran misalnya, Perseroan menyediakan APAR the danger of fire, for example, the Company provides APAR (Alat Pemadam Api Ringan) di setiap lantai gedung yang ada (Light Fire Extinguisher) on every floor of the building in the di kantor Perseroan serta melakukan pelatihan atau simulasi Company’s office and carries out regular training or simulations secara berkala kepada karyawan. Perseroan juga senantiasa for employees. The Company also continues to carry out melakukan perawatan dan pemeriksaan berkala berbagai sarana periodic maintenance and inspections of various K3 facilities dan prasarana K3, seperti APAR, sistem alarm kebakaran; hydrant, and infrastructure, such as APAR, fire alarm systems; hydrants, sistem sprinkler otomatis, sistem pengendalian asap dan lain-lain. automatic sprinkler systems, smoke control systems and others. Seiring dengan itu, untuk kelengkapan sarana dan prasarana Along with that, to complete the facilities and infrastructure pada bangunan gedung, Perseroan melengkapinya dengan in the building, the Company completes it by providing work menyediakan fasilitas pendukung kerja sehingga karyawan bisa support facilities so that employees can work comfortably, bekerja nyaman, seperti lift, ruang pelatihan, ruang dapur, ruang such as elevators, training rooms, kitchen rooms, prayer ibadah, ruang rapat, toilet, tempat parkir, tempat sampah, dan rooms, meeting rooms, toilets, parking lots, trash cans, and etc. lain-lain. [GRI 403-7] [GRI 403-7] Untuk mendukung penerapan K3, terutama dalam situasi dan To support the implementation of K3, especially in emergency kondisi darurat, selama tahun 2023, Perseroan menyediakan situations and conditions, during 2023, the Company provides fasilitas mobil jenazah dan mobil ambulans yang tersedia di hearse and ambulance facilities available at the Head Office and Kantor Pusat dan beberapa kantor cabang. Keberadaan mobil several branch offices. The ambulance is a medical emergency ambulans tersebut merupakan fasilitas darurat medik untuk facility for employees and their families which can be used keperluan karyawan beserta keluarganya yang dapat digunakan to transport emergency patients or as a hearse. [GRI 403-3] untuk mengantar pasien darurat maupun sebagai kereta jenazah. [GRI 403-3] Program nyata lain yang dilakukan Perseroan terkait K3 adalah concrete program carried out by the Company regarding K3 is mengikutsertakan seluruh karyawannya dalam program Jaminan to include all its employees in the Work Accident Insurance (JKK) Kecelakaan Kerja (JKK) dari BPJS Ketenagakerjaan dengan program from BPJS Employment with payment of contributions pembayaran iuran oleh Perseroan yang besarannya sesuai by the Company in accordance with the provisions. Meanwhile, dengan ketentuan. Sementara itu, sebagai langkah pencegahan as a step to prevent work accidents in office spaces, PT Bank kecelakaan kerja di ruangan kantor, PT Bank KB Bukopin Tbk KB Bukopin Tbk always carries out outreach regarding the safe senantiasa melakukan sosialisasi terkait penggunaan peralatan use of work equipment, for example using standard electrical kerja secara aman, misalnya penggunaan peralatan listrik yang equipment, always turning off computers and other electrical standar, selalu mematikan komputer dan alat listrik lain apabila equipment when not in use. [GRI 403-7] tidak dipergunakan. [GRI 403-7] PT Bank KB Bukopin Tbk Sustainability Report 2023 129
Page 130
Per 31 Desember 2023, komitmen PT Bank KB Bukopin Tbk untuk As of 31 December 2023, PT Bank KB Bukopin Tbk commitment
mewujudkan lingkungan kerja yang sehat dan aman membawa to creating a healthy and safe work environment has resulted
hasil dengan tidak adanya karyawan yang mengalami cedera in zero employees experiencing minor, moderate or serious
ringan, sedang, berat, apalagi kematian, akibat pekerjaan yang injuries, let alone death, due to the work they undertake. Apart
dijalaninya. Selain itu, juga tidak ada laporan mengenai karyawan from that, there are also no reports of employees contracting
yang terkena penyakit atau berisiko terkena penyakit tertentu yang diseases or being at risk of developing certain diseases related
terkait dengan pekerjaannya sehari-hari. [GRI 403-9, 403-10] to their daily work. [GRI 403-9, 403-10]
DAMPAK OPERASI TERHADAP IMPACT OF OPERATIONS
MASYARAKAT SEKITAR [OJK F.23] ON SURROUNDING
COMMUNITIES [OJK F.23]
Keberadaan PT Bank KB Bukopin Tbk merupakan jawaban atas The existence of PT Bank KB Bukopin Tbk is an answer to the
kebutuhan masyarakat tentang pelayanan industri perbankan, community’s needs for banking industry services, especially
terkhusus penyaluran kredit yang fokus padatiga pilar utama yaitu credit distribution which focuses on three main pillars, namely
Bisnis Usaha Mikro, Kecil, dan Menengah (UMKM), Bisnis Ritel, Micro, Small and Medium Enterprises (MSMEs), Retail Business
dan Bisnis Komersial. Untuk meraih kinerja terbaik, Perseroan and Commercial Business. To achieve the best performance,
menetapkan visi dan misi yang telah mendapatkan persetujuan the Company has established a vision and mission that has
bersama dari Dewan Komisaris dan Direksi. Dengan berpatokan received joint approval from the Board of Commissioners and
pada visi dan misi tersebut, seluruh operasional PT Bank KB Directors. Based on this vision and mission, all PT Bank KB Bukopin
Bukopin Tbk tidak ada yang berdampak negatif bagi masyarakat Tbk operations have no negative impact on the surrounding
di sekitarnya. community.
Sebaliknya, masyarakat mendapat dampak positif atas keberadaan On the other hand, the community has had a positive impact on the
PT Bank KB Bukopin Tbk. Selain menyediakan layanan perbankan, existence of PT Bank KB Bukopin Tbk. Apart from providing banking
Perseroan membuka lapangan kerja dan menciptakan peluang services, the Company opens up employment opportunities and
bagi masyarakat dan pelaku usaha untuk menjadi pemasok creates opportunities for the community and business actors to
barang dan jasa. Lebih dari itu, Perseroan juga menyelenggarakan become suppliers of goods and services. Moreover, the Company
berbagai program dan kegiatan yang melibatkan masyarakat also organizes various programs and activities that involve the
melalui program Tanggung Jawab Sosial dan Lingkungan (TJSL), community through the Social and Environmental Responsibility
yang diimplementasikan melalui kegiatan Tanggung Jawab Sosial (TJSL) program, which is implemented through Corporate Social
Perusahaan (CSR). Responsibility (CSR) activities.
PENGADUAN MASYARAKAT [OJK F.24] PUBLIC COMPLAINTS [OJK F.24]
PT Bank KB Bukopin Tbk terus berupaya untuk menjalankan PT Bank KB Bukopin Tbk continues to strive in conducting business
operasional usaha dengan senantiasa mematuhi semua regulasi operations by always complying with all prevailing regulations.
yang berlaku. Namun demikian, Perseroan membuka diri terhadap However, the Company is open to the possibility of complaints
kemungkinan adanya pengaduan dari masyarakat dan pemangku from the public and other stakeholders, including customers,
kepentingan yang lain, termasuk nasabah, dan berkomitmen untuk and is committed to resolving these complaints as soon as
menyelesaikan pengaduan tersebut secepatnya. Untuk keperluan possible. For this purpose, PT Bank KB Bukopin Tbk provides a
tersebut, PT Bank KB Bukopin Tbk menyediakan pusat layanan customer service center through the Halo Bukopin 14005 Call
nasabah melalui layanan Call Center Halo Bukopin 14005 yang Center service which provides service 24/7 and through email;
memberikan layanan 24 (dua puluh empat) jam 7 (tujuh) hari dan customer_care@kbbukopin.com. Customers can be connected
melalui email di alamat customer_care@kbbukopin.com. Nasabah to the call center service should they plan to obtain product
dapat menghubungi layanan call center untuk memperoleh informasi and service information and submit complaints regarding the
produk dan layanan serta menyampaikan pengaduan terkait products and services offered by the Company. Apart from that,
produk dan layanan yang ditawarkan Perseroan. Selain itu, untuk customers can also obtain product and service information and
memperoleh informasi produk dan layanan serta menyampaikan submit complaints by coming directly to customer service at the
pengaduan juga dapat dilakukan nasabah dengan datang langsung nearest PT Bank KB Bukopin Tbk Bank Branch Office.
menemui customer service di Kantor Cabang Bank PT Bank KB
Bukopin Tbk terdekat.
Penanganan pengaduan nasabah dilaksanakan dengan mengacu Handling of customer complaints is carried out by referring to
kepada prosedur serta Service Level Agreement (SLA) yang the procedures and Service Level Agreement (SLA) that have
telah ditetapkan. Dengan penggunaan sistem aplikasi internal, been established. By using an internal application system,
monitoring penyelesaian pengaduan nasabah dapat dilakukan monitoring the resolution of customer complaints can be carried
secara berkesinambungan dan dapat memastikan pencapaian out continuously and can ensure the achievement of the SLA for
SLA penyelesaian pengaduan nasabah sesuai dengan target yang resolving customer complaints in accordance with the targets
telah ditetapkan. that have been set.
130 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 131
Sepanjang tahun 2023, terdapat 1.365 komplain nasabah yang Throughout 2023, there are 1,365. customer complaints made
dilakukan melalui call center Bank PT Bank KB Bukopin Tbk. Dari through the Bank PT Bank KB Bukopin Tbk call center. Of the
jumlah komplain yang masuk, seluruhnya telah diselesaikan sesuai number of complaints received, all have been resolved according
SLA. Berikut adalah jumlah pengaduan nasabah yang masuk melalui to the SLA. The following is the number of customer complaints
kanal call center, email, dan customer service yang berada di cabang- received via the call center, email and customer service channels
cabang PT Bank KB Bukopin Tbk: at PT Bank KB Bukopin Tbk branches:
Pengaduan Pengaduan dalam
Jenis Pengaduan Pengaduan Masuk Pengaduan Selesai
Ditindaklanjuti Proses
Type of Complaint Incoming Complaints Complaint Resolved
Complaint Followed Up Complaint in Process
ATM/Kartu Debet 2.863 2.863 0 2.863
ATM/Debit Card
Kartu Kredit 945 945 0 945
Credit Card
Electronic Banking 978 978 0 978
Electronic Banking
Jumlah 4.786 4.786 0 4.786
Total
KEGIATAN TANGGUNG JAWAB SOSIAL ENVIRONMENTAL SOCIAL
LINGKUNGAN (TJSL) [OJK F.25] RESPONSIBILITY ACTIVITIES
(TJSL) [OJK F.25]
Hubungan yang harmonis antara PT Bank KB Bukopin A harmonious relationship between PT Bank KB Bukopin Tbk
Tbk dengan masyarakat merupakan salah satu kunci bagi and the community is one of the keys for the Company in
Perseroan dalam mewujudkan keberlanjutan usaha. Untuk realizing business sustainability. For this reason, the Company
itu, Perseroan terus berupaya untuk menciptakan komunikasi continues to strive to create mutually beneficial communication
dan hubungan yang saling menguntungkan dengan seluruh and relationships with all stakeholders, including the surrounding
pemangku kepentingan, termasuk masyarakat di sekitarnya. community. To support these efforts, PT Bank KB Bukopin Tbk
Untuk mendukung upaya tersebut, PT Bank KB Bukopin Tbk carries out various programs, including through TJSL/CSR.
melakukan berbagai program di antaranya melalui TJSL/CSR. For the Company, CSR is an important part of implementing
Bagi Perseroan, CSR merupakan salah satu bagian penting good corporate governance and performs a significant role in
dalam pelaksanaan tata kelola perusahaan yang baik dan realizing sustainable development goals, namely development
cukup berperan dalam mewujudkan tujuan pembangunan that harmonizes economic, environmental and social aspects.
berkelanjutan, yaitu pembangunan yang menyelaraskan The implementation of CSR is also PT Bank KB Bukopin Tbk
antara aspek ekonomi, lingkungan dan sosial. Pelaksanaan support for the 17 Sustainable Development Goals (SDGs) which
CSR sekaligus merupakan dukungan PT Bank KB Bukopin Tbk are currently being intensified by the Indonesian government.
terhadap 17 Tujuan Pembangunan Berkelanjutan (TPB) atau [GRI 3-3]
Sustainable Development Goals (SDGs) yang saat ini sedang
digencarkan pemerintah Indonesia. [GRI 3-3]
Dalam hubungannya dengan masyarakat, PT Bank KB Bukopin its relationship with the community, PT Bank KB Bukopin Tbk
Tbk berkomitmen untuk dapat memberdayakan masyarakat is committed to empowering the community in a sustainable
secara berkesinambungan melalui implementasi program manner through implementing the TJSL/CSR program. In 2023,
TJSL/CSR. Pada tahun 2023, Bank menganggarkan dana the Bank has allocated funds amounting to IDR900 million
sebesar Rp900.000.000 untuk menjalankan kegiatan CSR to carry out CSR activities in three CSR areas consisting of
dengan 3 (tiga) bidang CSR yang terdiri dari pendidikan, sosial education, environment, social community and religious affairs.
kemasyarakatan, dan keagamaan. Adapun realisasinya tercatat The realization was recorded at IDR757,587,450 or 84.18% of
sebesar Rp757.587.450 atau 84,18% dari anggaran dengan the budget with details of use as follows [GRI 203-1, 203-2]
rincian penggunaan sebagai berikut: [GRI 203-1, 203-2]
PT Bank KB Bukopin Tbk Sustainability Report 2023 131
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Ruang Lingkup Nominal
No
Scope Total
1. Pendidikan Rp62.000.000
Education
2. Lingkungan hidup Rp223.587.450
Environment
3. Sosial kemasyarakatan Rp472.000.000
Social Community
Total Rp757.587.450
Total
Sejalan dengan visi keberlanjutan pemerintah, kegiatan CSR In line with the government’s sustainability vision, PT Bank KB
PT Bank KB Bukopin Tbk tahun 2023 difokuskan untuk Bukopin Tbk CSR activities in 2023 are focused on supporting
mendukung implementasi visi tersebut dengan tetap the implementation of this vision while still paying attention to
memperhatikan kondisi perekonomian nasional dan kondisi national economic conditions and the internal conditions of PT
internal PT Bank KB Bukopin Tbk. Adapun rincian program Bank KB Bukopin Tbk. The details of the CSR program during
CSR selama tahun pelaporan dan dukungannya terhadap TPB the reporting year and its support for the SDGs are presented
disajikan dalam tabel berikut: [GRI 203-1, 203-2] in the following table: [GRI 203-1, 203-2]
Tujuan
Jenis Kegiatan
Pembangunan
TJSL/CSR Penjelasan Capaian
No. Berkelanjutan
CSR Activity Type Explanation Achievement
Objective of the Sustainable
Development
1. Penyaluran Dukungan Kegiatan TPB No. 2 – Tanpa Kelaparan Alokasi Dana Penyaluran Takjil dan makan malam
Ramadan (Buka Bersama) melalui SDGs No. 2 – Zero Hunger Rp147.000.000 bagi warga dan pengendara yang
masjid Ar Ridho & masjid Al Ikhlas melintasi area masjid Ar Ridho & Al
Distribution of Support for Ramadan Periode pelaksanaan: Ikhlas
Activities (Iftar Together) through Bulan 24 Maret - 18 April Distribution of Takjil snacks and
the Ar Ridho Mosque & Al Ikhlas 2023 dinner for residents and motorists
Mosque. passing through the Ar Ridho & Al
Budget allocation Ikhlas Mosque area
IDR147,000,000
Implementation period:
Month March 24 - April
18 2023
2 Penyaluran Hewan Qurban kepada TPB No. 2 – Tanpa Kelaparan Alokasi Dana Jumlah hewan qurban yang
warga yang berhak menerima di SDGs No. 2 – Zero Hunger Rp275.000.000 disalurkan 10 ekor sapi
sekitar Cikoko, Tebet, S. Parman A total of 10 cows are distributed
dan proposal yang diajukan Periode pelaksanaan: for Qurban
Distribution of Qurban animals 29 Juni 2023
to residents who are entitled to
receive them around Cikoko, Tebet, Budget allocation
S. Parman and proposals submitted. IDR275,000,000
Implementation period:
June 29, 2023
3 Dukungan Kegiatan Fakultas Ilmu TPB No. 4 – Pendidikan yang Alokasi Dana Telah dilaksanakan serangkaian
Budaya UGM, Beat The Quest Berkualitas Rp12.000.000 Acara kompetisi untuk
Support for UGM Faculty of Cultural SDGs No. 4 – Quality Education meningkatkan kemampuan
Sciences activities, Beat the Quest Periode Pelaksanaan: berbahasa asing serta mengasah
11 November 2023 softskill mahasiswa khususnya
dibidang Seni & Budaya
Budget allocation A series of competition events
IDR12,000,000 have been held to improve foreign
language skills and hone students'
Implementation Period: soft skills, especially in the field of
11 November 2023 Arts & Culture
132 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Tujuan
Jenis Kegiatan
Pembangunan
TJSL/CSR Penjelasan Capaian
No. Berkelanjutan
CSR Activity Type Explanation Achievement
Objective of the Sustainable
Development
4 Dukungan Kegiatan Konferensi TPB No. 16 – Perdamaian, Alokasi Dana Tujuan Konferensi Internasional:
Internasional MUI Keadilan dan Kelembagaan Rp50.000.000 menyampaikan pesan perdamaian
Support for MUI International yang tangguh beserta solusinya kepada
Conference Activities SDGs No. 16 – Peace, Justice, Periode Pelaksanaan: masyarakat yang berbeda
and Strong Institutions 21 sd 23 Mei 2023 etnis, budaya dan agama serta
membentuk kesiapan masyarakat
Budget allocation dan antisipasinya terhadap
IDR50,000,000 perubahan tata budaya dunia
terutama teknologi, industri dan
Implementation Period: ekonomi
May 21 to 23, 2023 The purpose of the International
Conference: to convey the message
of peace and its solutions to people
of different ethnicities, cultures
and religions as well as to form
the readiness of society and its
anticipation of changes in the
world's cultural order, especially
technology, industry and the
economy
MEMBERIKAN LAYANAN PROVIDING THE BEST SERVICE
TERBAIK UNTUK NASABAH FOR CUSTOMERS
Keberhasilan Perseroan melewati tahun 2023 yang penuh The Company’s success in getting through the challenging
tantangan merupakan cerminan atas tingginya kepercayaan year 2023 is a reflection of the high level of customer trust
nasabah terhadap produk dan layanan yang ditawarkan PT in the products and services offered by PT Bank KB Bukopin
Bank KB Bukopin Tbk. Ditopang komitmen dan spirit untuk Tbk. Supported by commitment and spirit to provide complete
menghadirkan produk dan layanan paripurna, Perseroan terus products and services, the Company continues to strive to
berupaya meningkatkan kualitas keduanya agar bisa memenuhi improve the quality of both so that it can meet customer
harapan nasabah. Apabila harapan nasabah terpenuhi, otomatis expectations. If customer expectations are met, their level of
tingkat kepuasan mereka akan meningkat, dan bermuara satisfaction will automatically increase, leading to increased
dengan meningkatnya kepercayaan terhadap Perseroan. Di trust in the Company. In the midst of increasingly tight
tengah kompetisi yang kian ketat, kepercayaan dan kepuasan competition, customer trust and satisfaction are important
nasabah merupakan modal penting bagi PT Bank KB Bukopin assets for KB Bukopin so that it can continue to progress and
Tbk agar bisa terus maju dan berkembang. develop.
Berkaca pada posisi nasabah yang strategis mendorong Reflecting on the strategic position of customers, encourages
PT Bank KB Bukopin Tbk untuk terus berupaya memberikan PT Bank KB Bukopin Tbk to continue to strive in providing the
produk dan layanan terbaik kepada mereka. Layanan terbaik best products and services to them. The best service is carried
dilakukan melalui berbagai kebijakan, seperti memberikan out through various policies, such as providing equal service,
layanan setara, memberikan informasi secara lengkap, providing complete information, innovating products/services,
melakukan inovasi produk/jasa, menjaga kerahasiaan data maintaining the confidentiality of customer data, and so on.
nasabah, dan sebagainya.
Komitmen PT Bank KB Bukopin Tbk untuk memberikan layanan PT Bank KB Bukopin Tbk commitment to providing the best
terbaik kepada nasabah merujuk pada beberapa regulasi service to customers refers to several regulations, including
antara lain Undang-Undang Nomor 8 Tahun 1999 tentang Law Number 8 of 1999 concerning Consumer Protection (State
Perlindungan Konsumen (Lembaran Negara Republik Indonesia Gazette of the Republic of Indonesia of 1999 Number 22,
Tahun 1999 Nomor 22, Tambahan Lembaran Negara Republik Supplement to the State Gazette of the Republic of Indonesia
Indonesia Nomor 3821); Peraturan Otoritas Jasa Keuangan Number 3821); Financial Services Authority Regulation Number
Nomor 6/POJK.07/2022 tentang Perlindungan Konsumen dan 6/POJK.07/2022 concerning Consumer and Public Protection
Masyarakat di Sektor Jasa Keuangan; Surat Edaran Otoritas in the Financial Services Sector; Financial Services Authority
Jasa Keuangan (SEOJK) Nomor 17/SEOJK.07/2018 tentang (SEOJK) Circular Letter Number 17/SEOJK.07/2018 concerning
Pedoman Pelaksanaan Layanan Pengaduan Konsumen di Sektor Guidelines for Implementing Consumer Complaint Services
Jasa Keuangan; serta Peraturan Bank Indonesia Nomor 3 in the Financial Services Sector; as well as Bank Indonesia
Tahun 2023 tentang Pelindungan Konsumen Bank Indonesia Regulation Number 3 of 2023 concerning Bank Indonesia
Consumer Protection
PT Bank KB Bukopin Tbk Sustainability Report 2023 133
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LAYANAN SETARA UNTUK EQUIVALENT SERVICES FOR NASABAH [OJK F.17] CUSTOMERS [OJK F.17] PT Bank KB Bukopin Tbk senantiasa memahami kebutuhan seluruh PT Bank KB Bukopin Tbk always understands the needs of all nasabah dan selalu memberikan pelayanan yang terbaik. Di tengah customers and always provides the best service. In the midst of era digital dan teknologi saat ini, Perseroan terus menyesuaikan the current digital and technological era, the Company continues kebutuhan nasabah dengan memberikan beragam kemudahan to adapt to customer needs by providing various conveniences serta tetap menjaga keamanan nasabah. Hal ini penting guna while maintaining customer security. This is important to maintain menjaga kepercayaan dan loyalitas nasabah. customer trust and loyalty. Kepercayaan dan loyalitas nasabah dipengaruhi oleh berbagai Customer trust and loyalty are influenced by various factors. faktor. Salah satunya adalah kesetaraan dalam memberikan One of them is equality in providing services to customers. In layanan kepada nasabah. Dalam hal ini, PT Bank KB Bukopin this case, PT Bank KB Bukopin Tbk is committed to treating all Tbk berkomitmen untuk memperlakukan seluruh nasabah secara customers inclusively and equally regardless of religious, ethnic, inklusif, setara tanpa memandang latar belakang agama, suku, gender, political and other discriminatory backgrounds. Equality etnis, gender, politik dan lainnya yang bersifat diskriminatif. is also provided to customers with special needs, including those Kesetaraan juga diberikan kepada nasabah berkebutuhan khusus, with disabilities. termasuk mereka yang mengalami disabiltas. Bagi Perseroan, penghormatan terhadap kesetaraan dalam For the Company, respect for equality in service to customers pelayanan kepada nasabah merupakan salah satu wujud is a concrete manifestation of implementing good corporate nyata penerapan tata kelola perusahaan yang baik, Kode Etik governance, the Company’s Code of Ethics, as well as compliance Perseroan, sekaligus ketaatan terhadap regulasi yang berlaku. with applicable regulations. These regulations include POJK Regulasi tersebut antara lain POJK Nomor 6/POJK.07/2022 Number 6/POJK.07/2022 concerning Consumer and Community tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa Protection in the Financial Services Sector where in article 35 Keuangan dimana pada pasal 35 ayat 1 terdapat klausul “PUJK paragraph 1 there is a clause “PUJK is obliged to provide equal wajib memberikan akses yang setara kepada setiap konsumen access to every consumer according to consumer classification”. sesuai klasifikasi konsumen”. Sementara itu, Peraturan Bank Meanwhile, Bank Indonesia Regulation Number 3 of 2023 Indonesia Nomor 3 Tahun 2023 tentang Pelindungan Konsumen concerning Bank Indonesia Consumer Protection, Article 7 Bank Indonesia, Pasal 7 tentang Prinsip Pelindungan Konsumen, concerning Consumer Protection Principles, emphasizes that menegaskan bahwa salah satu prinsip perlindungan konsumen one of the principles of consumer protection is equality and fair adalah adanya kesetaraan dan perlakuan yang adil. Kesetaraan treatment. Equality of treatment is also regulated in Article 11, perlakuan juga diatur dalam Pasal 11, yaitu Penyelenggara/Bank namely that Operators/Banks are obliged to provide equal access wajib memberikan kesetaraan akses kepada setiap konsumen to every consumer and treat consumers correctly in accordance dan memperlakukan konsumen secara benar sesuai dengan with the provisions of statutory regulations. ketentuan peraturan perundang-undangan. INFORMASI PRODUK DAN LAYANAN PRODUCT AND SERVICE INFORMATION PT Bank KB Bukopin Tbk sangat menghargai hak nasabah PT Bank KB Bukopin Tbk really respects customers’ rights to untuk mendapatkan informasi yang benar dan jelas mengenai obtain correct and clear information regarding the products produk dan layanan yang ditawarkan kepada mereka. Informasi and services offered to them. This information includes dimaksud termasuk di dalamnya terkait dengan pelabelan information related to the labeling of products offered by the produk yang ditawarkan Perseroan kepada nasabah. Hak Company to customers. The right to obtain clear information mendapatkan informasi yang jelas merupakan salah satu hak is one of consumer rights as regulated in Article 4 letter c, konsumen sebagaimana diatur dalam Pasal 4 huruf c, Undang- Consumer Protection Law, namely that consumers have the Undang Perlindungan Konsumen yaitu konsumen memiliki hak right to correct, clear and honest information regarding the atas informasi yang benar, jelas, dan jujur mengenai mengenai condition and guarantee of goods and/or services. Similar kondisi dan jaminan barang dan/atau jasa. Kewajiban serupa obligations are regulated in Bank Indonesia Regulation Number diatur dalam Peraturan Bank Indonesia Nomor 3 Tahun 2023 3 of 2023 concerning Bank Indonesia Consumer Protection, tentang Pelindungan Konsumen Bank Indonesia, Pasal 17, yang Article 17, which regulates the Obligations of Organizers (Banks) mengatur tentang Kewajiban Penyelenggara (Bank) dalam in Implementing the Principles of Openness and Transparency. Penerapan Prinsip Keterbukaan dan Transparansi. [GRI 3-3] [GRI 3-3] Berdasarkan regulasi di atas, PT Bank KB Bukopin Tbk berupaya Based on the regulations above, PT Bank KB Bukopin Tbk semaksimal mungkin untuk memenuhi hak nasabah atas makes every effort to fulfill customers’ rights to product and informasi produk dan layanan melalui berbagai program dan service information through various programs and policies. In kebijakan. Di setiap kantor operasional misalnya, Perseroan each operational office, for example, the Company provides menyediakan informasi produk dan layanan secara tertulis, written product and service information, and is supported by dan didukung oleh personel yang selalu siap memberikan personnel who are always ready to provide the information informasi yang dibutuhkan nasabah. customers need. 134 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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PT Bank KB Bukopin Tbk senantiasa memberikan pelayanan PT Bank KB Bukopin Tbk always provides the best service to
terbaik kepada nasabah sebagai upaya untuk meningkatkan customers as an effort to increase customer satisfaction. In
kepuasan nasabah. Selaras dengan itu, Perseroan terus line with this, the Company continues to strive to present the
berupaya untuk menghadirkan produk-produk terbaik sesuai best products according to customer needs. The Company
dengan kebutuhan nasabah. Perseroan telah memiliki kebijakan has policies and guidelines regarding customer service which
dan pedoman terkait pelayanan nasabah yang digunakan are used as references and service quality standards in all PT
sebagai acuan dan standar kualitas pelayanan di seluruh Bank KB Bukopin Tbk offices. In this way, the Company ensures
kantor PT Bank KB Bukopin Tbk. Dengan demikian, Perseroan that every office, both head office and branch, has the same
memastikan setiap kantor, baik kantor pusat maupun cabang, service quality standards.
memiliki standar kualitas layanan yang sama.
Selain pelayanan terbaik, Perseroan juga memberikan Apart from the best service, the Company also provides
perlindungan secara maksimal kepada nasabah, khususnya maximum protection to customers, especially regarding the
terkait produk-produk yang dikeluarkan oleh Perseroan. products issued by the Company. Through Consultative Selling,
Melalui Consultative Selling, dalam memasarkan produk dan in marketing its products and services, the Company strives
layanannya, Perseroan berupaya untuk mengerti kebutuhan to understand customer needs so that it can provide input
nasabah sehingga bisa memberikan masukan mengenai produk regarding products and services that suit customer needs.
dan layanan yang sesuai dengan kebutuhan nasabah.
Untuk mempermudah edukasi kepada nasabah dalam To make it easier to educate customers in understanding
memahami seluruh produk dan layanan yang dimiliki PT Bank all the products and services which owned by PT Bank KB
KB Bukopin Tbk, serta untuk mempermudah pemberian layanan Bukopin Tbk, as well as to make it easier to provide services
dan akses kepada nasabah, Perseroan melakukan sosialisasi and access to customers, the Company conducts outreach
mengenai produknya melalui website maupun on site pada about its products through the website and on site at the
Kantor Cabang Bank terdekat. nearest Bank Branch Office.
KERAHASIAAN DATA NASABAH CONFIDENTIALITY OF CUSTOMER DATA
Kerahasiaan data nasabah merupakan salah satu hak mendasar Confidentiality of customer data is one of the fundamental
yang senantiasa dijaga oleh PT Bank KB Bukopin Tbk. Dalam rights that is always maintained by PT Bank KB Bukopin Tbk. In
hal ini, penggunaan data atau informasi terkait nasabah this case, the use of data or information related to customers
hanya dapat dilakukan berdasarkan ketentuan sebagaimana can only be carried out based on the provisions as determined
ditetapkan oleh peraturan dan perundang-undangan. Menjaga by regulations and legislation. Maintaining customer information
informasi nasabah juga merupakan bentuk kepercayaan yang is also a form of trust that will affect the Bank’s reputation as
akan memengaruhi reputasi Bank yang diatur dalam Surat regulated in Financial Services Authority Circular Letter No.
Edaran Otoritas Jasa Keuangan No. 14/SEOJK.07/2014 tentang 14/SEOJK.07/2014 concerning Confidentiality and Security
Kerahasiaan dan Keamanan Data dan/atau Informasi Pribadi of Consumer Data and/or Personal Information. In terms
Konsumen. Dalam hal transparansi penggunaan data pribadi of transparency in the use of customer personal data, the
nasabah, Perseroan tidak akan menyebarluaskan data pribadi Company will not disseminate customer personal data to other
nasabah kepada pihak lain sebelum mendapatkan persetujuan parties before obtaining written approval from the data owner.
tertulis dari pemilik data. Persetujuan tersebut harus diwujudkan This approval must be expressed in writing and/or a signature
dalam bentuk tulisan dan/atau tanda tangan pada lembar on the written approval request form. [GRI 3-3]
permintaan persetujuan tertulis. [GRI 3-3]
Konsistensi dan komitmen PT Bank KB Bukopin Tbk dalam PT Bank KB Bukopin Tbk consistency and commitment in
menjaga data nasabah membawa hasil dengan tidak adanya safeguarding customer data has resulted in no incidents of
insiden pengaduan dari nasabah maupun dari regulator terkait complaints from customers or from regulators regarding
pelanggaran kerahasiaan nasabah, baik berupa kebocoran, violations of customer confidentiality, whether in the form of
pencurian, atau kehilangan data nasahah. Dengan demikian, leaks, theft or loss of customer data. Thus, the Company did
Perseroan tidak mendapat denda atau sanksi berkaitan dengan not receive fines or sanctions related to violations of customer
pelanggaran terhadap privasi pelanggan pada tahun pelaporan. privacy in the reporting year. [GRI 418-1][GRI 2-27]
[GRI 418-1][GRI 2-27]
• Kontribusi terhadap Literasi dan Inklusi Keuangan • Contribution to Financial Literacy and Inclusion
Pemerintah terus berupaya untuk meningkatkan iklusi The government continues to strive to increase financial
keuangan melalui berbagai program dan kegiatan yang inclusion through various programs and activities organized
diselenggarakan oleh lembaga jasa keuangan, termasuk by financial service institutions, including the banking industry.
industri perbankan. Sesuai dengan Peraturan Otoritas Jasa In accordance with Financial Services Authority Regulation
Keuangan Nomor 76 /POJK.07/2016 tentang Peningkatan Number 76 /POJK.07/2016 concerning Increasing Financial
Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Literacy and Inclusion in the Financial Services Sector
Bagi Konsumen dan/atau Masyarakat, literasi keuangan for Consumers and/or the Community, financial literacy
PT Bank KB Bukopin Tbk Sustainability Report 2023 135
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adalah pengetahuan, keterampilan, dan keyakinan, yang is knowledge, skills and beliefs, which influence attitudes
mempengaruhi sikap dan perilaku untuk meningkatkan kualitas and behavior to improve the quality of decisions made, and
pengambilan keputusan dan pengelolaan keuangan dalam financial management to achieve prosperity. Financial inclusion
rangka mencapai kesejahteraan. Adapun inklusi keuangan is the availability of access to various financial institutions,
adalah ketersediaan akses pada berbagai lembaga, produk products and services in accordance with community needs
dan layanan jasa keuangan sesuai dengan kebutuhan dan and capabilities in order to improve community welfare.
kemampuan masyarakat dalam rangka meningkatkan
kesejahteraan masyarakat.
Untuk mengukur indeks literasi dan inklusi keuangan To measure the community’s financial literacy and inclusion
masyarakat, Otoritas Jasa Keuangan (OJK) kembali index, the Financial Services Authority (OJK) will again conduct
menyelenggarakan Survei Nasional Literasi dan Inklusi the 2022 National Survey of Financial Literacy and Inclusion
Keuangan (SNLIK) tahun 2022 pada Juli-September 2022. (SNLIK) in July-September 2022. The survey was conducted
Survei dilakukan dengan responden di 34 provinsi yang with respondents in 34 provinces covering 76 cities/districts
mencakup 76 kota/kabupaten dengan jumlah responden with the number of respondents as many as 14,634 people
sebanyak 14.634 orang yang berusia antara 15-79 tahun. aged 15-79 years. As in 2016 and 2019, SNLIK 2022 also uses
Sebagaimana tahun 2016 dan 2019, SNLIK 2022 juga the same methods, parameters and indicators, namely the
menggunakan metode, parameter dan indikator yang sama, financial literacy index which consists of knowledge, skills,
yaitu indeks literasi keuangan yang terdiri dari parameter beliefs, attitudes and behavior parameters, while the financial
pengetahuan, keterampilan, keyakinan, sikap dan perilaku, inclusion index uses usage parameters.
sementara indeks inklusi keuangan menggunakan parameter
penggunaan (usage).
Merujuk hasil SNLIK 2022, indeks literasi keuangan masyarakat Referring to the 2022 SNLIK results, the public financial literacy
tercatat sebesar 49,68%, naik dibanding tahun 2019 yang index was recorded at 49.68%, an increase compared to 2019
mencapai 38,03%. Sementara itu, indeks inklusi keuangan which reached 38.03%. Meanwhile, the financial inclusion
mencapai 85,10%, naik dibanding hasil survei tahun 2019 index reached 85.10%, an increase compared to the 2019
yang mencapai 76,19%. Hasil survei menunjukkan bahwa gap survey results which reached 76.19%. The survey results show
antara tingkat literasi dan tingkat inklusi semakin menurun, dari that the gap between the literacy level and the inclusion level
38,16% pada tahun 2019 menjadi 35,42% pada tahun 2022. is decreasing, from 38.16% in 2019 to 35.42% in 2022. The
Indeks inklusi keuangan merujuk survei SNLIK 2022 tersebut financial inclusion index referring to the 2022 SNLIK survey
semakin mendekati target sebesar 90% yang ditetapkan is getting closer to the target of 90% set by the government
pemerintah sebagaimana disampaikan dalam Peraturan as stated. in Presidential Regulation Number 114 of 2020
Presiden Nomor 114 Tahun 2020 tentang Strategi Nasional concerning the National Strategy for Financial Inclusion (SNKI).
Keuangan Inklusif (SNKI).
Peningkatan indeks literasi dan inklusi keuangan tak lepas The increase in the financial literacy and inclusion index cannot
dari kontribusi para pelaku industri perbankan, termasuk be separated from the contribution of banking industry players,
PT Bank KB Bukopin Tbk. Pada tahun pelaporan, Perseroan including PT Bank KB Bukopin Tbk. In the reporting year, the
menyelenggarakan berbagai kegiatan, seperti berpartisipasi Company held various activities, such as participating in the
pada acara Financial Expo Bulan Inklusi Keuangan, Financial Expo Month of Financial Inclusion event, holding
mengadakan kegiatan bank goes to school, sosialisasi bank goes to school activities, socialization and exhibitions of
maupun pameran produk dan layanan PT Bank KB Bukopin PT Bank KB Bukopin Tbk products and services. These various
Tbk. Berbagai kegiatan tersebut diadakan Perseroan dengan activities are held by the Company with the aim of increasing
tujuan untuk meningkatkan akses dan penyediaan masyarakat public access and provision of products and services, and
terhadap produk dan layanan, dan meningkatkan kualitas improving the quality of use of financial products and services,
pemanfaatan produk dan layanan jasa keuangan khususnya especially PT Bank KB Bukopin Tbk in accordance with.
PT Bank KB Bukopin Tbk sesuai.
136 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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INOVASI DAN PENGEMBANGAN INNOVATION AND DEVELOPMENT PRODUK/JASA KEUANGAN OF SUSTAINABLE FINANCIAL BERKELANJUTAN [OJK F.26] PRODUCTS/SERVICES [OJK F.26] PT Bank KB Bukopin Tbk menyadari bahwa kebutuhan nasabah PT Bank KB Bukopin Tbk realizes that customer needs are senantiasa berubah mengikuti zaman. Untuk itu, agar Perseroan always changing with the times. For this reason, so that the tetap kompetitif dan bisa memenangi persaingan, maka langkah Company remains competitive and can win the competition, untuk melakukan inovasi serta pengembangan produk dan taking steps to innovate and develop products and services layanan/jasa secara berkesinambungan merupakan langkah on an ongoing basis is the best step. The innovation and terbaik. Inovasi dan pengembangan yang dilakukan Perseroan development carried out by the Company is not solely related to tidak semata-mata terkait produk dan layanan, tetapi juga products and services, but also concerns marketing and so on. menyangkut bidang pemasaran dan sebagainya. Di sepanjang tahun 2023, UKM melakukan inovasi dan Throughout 2023, SMEs will innovate and develop products to pengembangan produk guna memberikan banyak pilihan provide many choices to potential debtors, namely: kepada para calon debitur yaitu: 1. Pembiayaan Channeling SKBF Fleet 1. SKBF Fleet Channeling Financing 2. SME Mortgage 2. SME Mortgage 3. Distributor Financing 3. Distributor Financing 4. Pengembangan produk rekening DHE SDA (Giro dan 4. Development of DHE SDA account products (Giro and Deposito) Deposits) 5. Pengembangan SWIFT Communication dengan nasabah 5. Developing SWIFT Communication with customers 6. Kredit Sindikasi 6. Syndicated Credit Selain produk baru, Bank juga melakukan pengembangan dari Apart from new products, the Bank also develops existing produk yang sudah eksis untuk disesuaikan dengan kondisi products to adapt them to current conditions. These products saat ini. Produk tersebut antara lain: include: 1. Dealer Financing 1. Dealer Financing 2. Equipment Finance 2. Equipment Finance 3. Kredit Usaha Rakyat (KUR) Kemitraan 3. Partnership People’s Business Credit (KUR). 4. Pembiayaan Bank Perkreditan Rakyat (BPR) 4. Rural Bank (BPR) Financing PRODUK/JASA YANG SUDAH PRODUCTS/SERVICES THAT HAVE DIEVALUASI KEAMANANNYA BEEN EVALUATED FOR SAFETY BAGI NASABAH [OJK F.27] FOR CUSTOMERS [OJK F.27] Perseroan berkomitmen untuk mematuhi semua regulasi The Company is committed to complying with all applicable yang berlaku di industri perbankan dalam menjalankan usaha, regulations in the banking industry in conducting business, termasuk regulasi dalam menawarkan produk dan jasa kepada including regulations in offering products and services to nasabah. Dalam prosesnya, semua produk dan jasa yang customers. In the process, all products and services offered ditawarkan PT Bank KB Bukopin Tbk telah memenuhi semua by PT Bank KB Bukopin Tbk have met all requirements and persyaratan dan mendapatkan persetujuan dari Otoritas Jasa received approval from the Financial Services Authority so Keuangan sehingga telah teruji keamanannya bagi nasabah. Di that they have been tested for security for customers. In samping itu Bank telah menerapkan POJK No. 6/POJK.07/2022 addition, the Bank has implemented POJK No. 6/POJK.07/2022 tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa concerning Consumer and Public Protection in the Financial Keuangan. Selaras dengan itu, untuk menekan risiko kerugian Services Sector. In line with this, to reduce the risk of loss to seminimal mungkin atas produk dan jasa tersebut, Perseroan a minimum on these products and services, the Company secara kontinu menyampaikan informasi atas semua risiko continuously conveys information on all risks that may occur yang mungkin terjadi kepada nasabah, seperti risiko pasar dan to customers, such as market risk and currency fluctuation risiko fluktuasi mata uang. Penyampaian informasi dilakukan di risk. Submission of information is carried out in operational kantor-kantor operasional, keterbukaan publik, website, media offices, public disclosures, websites, social media, and so on. sosial, dan sebagainya. Selaras dengan itu, untuk menekan risiko kerugian seminimal In line with this, to reduce the risk of loss to a minimum on mungkin atas produk dan jasa tersebut, Perseroan juga these products and services, the Company also always conveys senantiasa menyampaikan informasi atas semua risiko yang information on all risks that may occur to customers, such as mungkin terjadi kepada nasabah, seperti risiko pasar dan market risk and currency fluctuation risk. The Company conveys risiko fluktuasi mata uang. Penyampaian informasi dilakukan information through various official PT Bank KB Bukopin Tbk Perseroan melalui berbagai saluran dan media resmi PT Bank channels and media such as the website, Instagram, Facebook, KB Bukopin Tbk seperti website, Instagram, Facebook, Youtube, YouTube and Twitter. dan Twitter. PT Bank KB Bukopin Tbk Sustainability Report 2023 137
Page 138
Sesuai regulasi yang ada, PT Bank KB Bukopin Tbk juga telah In accordance with existing regulations, PT Bank KB Bukopin melakukan kegiatan literasi keuangan dan inklusi keuangan Tbk has also carried out financial literacy and financial inclusion sehingga calon nasabah atau nasabah mendapatkan activities so that potential customers or customers get a pemahaman yang benar tentang produk/jasa yang ditawarkan correct understanding of the products/services offered by the Perseroan. Dengan demikian, mereka akan memilih produk/jasa Company. In this way, they will choose the products/services yang ditawarkan PT Bank KB Bukopin Tbk sesuai kebutuhan offered by PT Bank KB Bukopin Tbk according to their needs dan telah mengetahui profil risiko yang melekat di dalam and already know the risk profile inherent in these products/ produk/jasa tersebut. services. DAMPAK PRODUK/JASA [OJK F.28] PRODUCT/SERVICE IMPACT [OJK F.28] PT Bank KB Bukopin Tbk telah melakukan penilaian terhadap PT Bank KB Bukopin Tbk has carried out an assessment of each setiap produk/jasa yang ditawarkan kepada nasabah. Lebih product/service offered to customers. Moreover, the Company dari itu, Perseroan juga telah membuat klasifikasi produk has also created a complete product classification, including its secara lengkap, termasuk dengan profil risiko di dalamnya. risk profile. Furthermore, in accordance with the principles of Selanjutnya, sesuai dengan prinsip keuangan berkelanjutan dan sustainable finance and referring to the Sustainable Business mengacu pada Kriteria Kegiatan Usaha Berkelanjutan (KKUB) Activity Criteria (KKUB) in the Sustainable Finance POJK, the dalam POJK Keuangan Berkelanjutan, maka Perseroan akan Company will provide funds by adhering to the principle of memberikan dana dengan memegang prinsip kehati-hatian, prudence, including preventing risks and negative impacts that termasuk mencegah risiko dan dampak negatif yang mungkin may arise. In line with this, the Company also provides credit/ timbul. Sejalan dengan itu, Perseroan juga pemberian kredit/ financing to support Environmental, Social and Governance pembiayaan untuk mendukung prinsip Environmental, Social (ESG) principles which have a positive impact on society and and Governance (ESG) yang memberikan dampak positif bagi the environment. Based on the principles above, during 2023, masyarakat dan lingkungan. Dengan berpatokan pada prinsip- none of the products and services offered by the Company will prinsip di atas, maka selama tahun 2023, produk dan jasa have a negative impact on environmental and social aspects. yang ditawarkan Perseroan tidak ada yang berdampak negatif terhadap aspek lingkungan dan sosial. JUMLAH PRODUK/JASA YANG NUMBER OF PRODUCTS/SERVICES DITARIK KEMBALI [OJK F.29] RECALLED [OJK F.29] Selama tahun 2023, tidak ada produk/jasa PT Bank KB Bukopin During 2023, no PT Bank KB Bukopin Tbk products/services Tbk yang ditarik kembali dari pasar dengan alasan apapun. will be withdrawn from the market for any reason. 138 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 139
SURVEI KEPUASAN CUSTOMER SATISFACTION
NASABAH [OJK F.30] SURVEY [OJK F.30]
PT Bank KB Bukopin Tbk secara berkala melakukan survei PT Bank KB Bukopin Tbk periodically conducts customer
kepuasan pelanggan untuk mengetahui seberapa jauh satisfaction surveys to find out how far customers are
pelanggan merasakan puas dengan layanan yang diberikan satisfied with the services provided by PT Bank KB Bukopin
PT Bank KB Bukopin Tbk. Pengukuran tingkat kepuasan Tbk. Measuring the level of customer satisfaction is always
nasabah senantiasa dilakukan melalui mekanisme survei oleh carried out through an internal survey mechanism (Customer
internal (Customer Experience & Development Department) Experience & Development Department) conducted regularly
dilakukan oleh rutin tiap bulan dengan metode Survey Online every month using the Online Survey method via QR Code.
melalui QR Code.
Tahun 2023, survei dilakukan di Kantor Pusat dan 41 Kantor In 2023, the survey was conducted at the Head Office and 41
Cabang di seluruh Indonesia dengan total responden sebanyak Branch Offices throughout Indonesia with a total of 34,453
34.453 nasabah, hasil survei menunjukkan 20.891 nasabah customers, the survey results showed that there are 20,891
atau 60,63% menyatakan sangat puas dan 37,68% menyatakan customers or 60.63% stated that they are very satisfied and
puas terhadap layanan yang diberikan oleh customer service 37.68% stated that they are satisfied with the services provided
PT Bank KB Bukopin Tbk. Hasil survei secara lebih rinci dapat by PT Bank KB Bukopin Tbk customer service. The survey
dilihat pada tabel berikut: results in more detail can be seen in the following table:
2023 2022 2021
Tingkat Kepuasan Jumlah Jumlah
No. Jumlah Nasabah
Level of Satisfaction Nasabah Nasabah
Number of % % %
Number of Number of
Customers
Customers Customers
1 Sangat Puas 20.891 60,63% 17.771 61,44 3.165 24,52
Very Satisfied
2 Puas 12.977 37,68% 10.685 36,94 9.702 75,16
Satisfied
3 Netral 455 1,32% 387 1,33 18 0,14
Neutral
4 Tidak Puas 47 0,13% 46 0,16 14 0,11
Unsatisfied
5 Sangat Tidak Puas 83 0,24% 37 0,13 10 0,08
Very Unsatisfied
6 Kosong 0 0 0 0 0 0
Blank
Jumlah 34.453 100 28.926 100 12.909 100
Total
PT Bank KB Bukopin Tbk Sustainability Report 2023 139
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VERIFIKASI TERTULIS DARI PIHAK
INDEPENDEN [OJK G.1] [GRI 2-5]
WRITTEN VERIFICATION FROM THE INDEPENDENT PARTY [OJK G.1]
[GRI 2-5]
Laporan keberlanjutan ini belum diverifikasi oleh Penyedia Jasa This sustainability report has not been verified by the
Assurance (Assurance Services Provider). Namun demikian, PT Assurance Services Provider. However, PT Bank KB Bukopin
Bank KB Bukopin Tbk menjamin bahwa seluruh informasi yang Tbk guarantees that all information disclosed in this report is
diungkapkan dalam laporan ini adalah benar, akurat, dan faktual. true, accurate and factual.
LEMBAR UMPAN BALIK [OJK G.2]
FEEDBACK SHEETY [OJK G.2]
Terima kasih kepada Bapak/Ibu/Saudara yang telah membaca Thank you for reading the 2023 PT Bank KB Bukopin
Laporan Keberlanjutan PT Bank KB Bukopin Tbk Tahun 2023. Tbk Sustainability Report. To improve the content of the
Untuk meningkatkan isi Laporan Keberlanjutan pada tahun- Sustainability Report in the coming years, we hope that you
tahun mendatang, kami berharap Bapak/Ibu/Saudara bersedia are willing to fill out this Feedback Sheet by circling one answer
untuk mengisi Lembar Umpan Balik ini dengan melingkari salah and fill in the available blanks, then send it to us.
satu jawaban dan mengisi titik-titik yang tersedia, kemudian
mengirimkannya kepada kami.
1. Laporan Keberlanjutan ini sudah memberikan informasi 1. This Sustainability Report provides clear information
yang jelas mengenai kinerja ekonomi, sosial dan lingkungan regarding the Company’s economic, social and
yang dilakukan oleh Perseroan: environmental performance:
a. Setuju b. Tidak Setuju. c. Tidak tahu a. Agree b. Don’t agree. c. Don’t know
2. Laporan Keberlanjutan ini sudah memberikan informasi 2. This Sustainability Report provides clear information
yang jelas mengenai pemenuhan tanggung jawab sosial regarding the fulfillment of the Company’s social and
dan lingkungan Perseroan: environmental responsibilities:
a. Setuju b. Tidak Setuju c. Tidak tahu a. Agree b. Don’t agree. c. Don’t know
3. Materi dan data dalam Laporan Keberlanjutan ini mudah 3. The material and data in this Sustainability Report are easy
dimengerti dan dipahami. to understand and comprehend.
a. Setuju b. Tidak Setuju c. Tidak tahu a. Agree b. Don’t agree. c. Don’t know
4. Materi dan data dalam Laporan Keberlanjutan ini sudah 4. The material and data in this Sustainability Report are quite
cukup lengkap. complete.
a. Setuju b. Tidak Setuju c. Tidak tahu a. Agree b. Don’t agree. c. Don’t know
5. Desain, tata letak, grafis dan foto-foto dalam Laporan 5. The design, layout, graphics and photos in this Sustainability
Keberlanjutan ini sudah bagus. Report are presented well.
a. Setuju b. Tidak Setuju c. Tidak tahu a. Agree b. Don’t agree. c. Don’t know
6. Informasi apa yang paling bermanfaat dari Laporan 6. What is the most useful information from this Sustainability
Keberlanjutan ini? Report?
......................................... .........................................
7. Informasi apa yang dinilai kurang bermanfaat dari Laporan 7. What is the considerably less useful information in this
Keberlanjutan ini? Sustainability Report?
........................................ ................................................
140 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 141
8. Informasi apa yang dinilai masih kurang dari Laporan 8. What information is considered lacking in this Sustainability
Keberlanjutan ini dan perlu ditambahkan pada Laporan Report and needs to be added to the next Sustainability
Keberlanjutan mendatang? Report?
.......................................... ..........................................
Identitas Pengirim: Sender Identity:
Nama : ........................................ Name : ........................................
Email : ....................................... Email: ...........................................
Identifikasi menurut kategori pemangku kepentingan: Identify yourself by stakeholder category:
a. Pemegang Saham a. Shareholders
b. Nasabah b. Customer
c. Mitra Kerja/Pemasok c. Work Partners/Suppliers
d. Pegawai d. Employee
e. Serikat Pekerja e. Labor union
f. Masyarakat f. Public
g. Media g. Media
h. Pemerintah dan Otoritas Keuangan h. Government and Financial Authorities
i. Lain-lain, sebutkan............. i. Others, please specify.............
Mohon formulir ini dikirimkan kembali ke: Please send this form back to:
Sekretaris Perusahaan Corporate Secretary
Kantor Pusat PT Bank KB Bukopin Tbk Head Office of PT Bank KB Bukopin Tbk
Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770 Jl. M.T. Haryono Kav. 50-51 South Jakarta 12770
Telepon: +6221 7988266, 7989837 Telephone: +6221 7988266, 7989837
Fax: +6221-7986355 Fax: +6221-7986355
Email: corsec@kbbank.co.id Email: corsec@kbbank.co.id
PT Bank KB Bukopin Tbk Sustainability Report 2023 141
Page 142
TANGGAPAN TERHADAP UMPAN BALIK
LAPORAN TAHUN SEBELUMNYA [OJK G.3]
RESPONSE TO PREVIOUS YEAR REPORT FEEDBACKY [OJK G.3]
Selama tahun 2023, PT Bank KB Bukopin Tbk tidak menerima During 2023, PT Bank KB Bukopin Tbk received no response
tanggapan atas penerbitan Laporan Keberlanjutan Tahun to the publication of the 2022 Sustainability Report. However,
2022. Walau demikian, Perseroan telah melakukan upaya the Company has made efforts to improve the contents of
penyempurnaan isi laporan sesuai dengan panduan POJK the report in accordance with the guidelines POJK No.51/
No.51/OJK.03/2017 tentang Penerapan Keuangan Berkelanjutan OJK.03/2017 concerning the Implementation of Sustainable
bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik, Finance for Financial Services Institutions, Issuers and Public
SEOJK No.16/SEOJK.04/2021 tentang Bentuk dan Isi Laporan Companies, SEOJK No.16/SEOJK.04/2021 concerning Form and
Tahunan Emiten atau Perusahaan Publik, serta GRI Universal Contents of the Issuer’s or Public Company’s Annual Report,
Standards Tahun 2021. as well as the 2021 GRI Universal Standards.
DAFTAR PENGUNGKAPAN SESUAI POJK
51/POJK.03/2017 [OJK G.4]
LIST OF DISCLOSURES ACCORDING TO POJK 51/POJK.03/2017
[OJK G.4]
No
Nama Indeks
Indeks Hal.
Index Name
Index No.
Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan
Sustainability Strategy Explanation
Ikhtisar Kinerja Aspek Keberlanjutan
Performance Overview of Sustainability Aspects
B.1 Aspek Ekonomi
Economic Aspects
B.2 Aspek Lingkungan Hidup
Environmental Aspects
B.3 Aspek Sosial
Social Aspects
Profil Perusahaan
Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan
Vision, Mission and Sustainability Values
C.2 Alamat Perusahaan
Company's address
C.3 Skala Usaha
Scale of Business
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
Products, Services and Business Activities Carried Out
C.5 Keanggotaan pada Asosiasi
Membership in the Association
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
Significant Changes in the Characteristics of Issuers and Public Companies
142 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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No
Nama Indeks
Indeks Hal.
Index Name
Index No.
Penjelasan Direksi
Board of Directors’ Explanation
D.1 Penjelasan Direksi
Board of Directors’ Explanation
Tata Kelola Keberlanjutan
Sustainability Governance
E.1 Penanggungjawab Penerapan Keuangan berkelanjutan
Responsible for implementing sustainable finance
E.2 Pengembangan Kompetensi Terkait Keuangan
berkelanjutan
Competency Development Related to Sustainable Finance
E.3 Penilaian Risiko Atas Penerapan Keuangan
berkelanjutan
Risk Assessment of the Implementation of Sustainable Finance
E.4 Hubungan dengan Pemangku Kepentingan
Relationships with Stakeholders
E.5 Permasalahan terhadap Penerapan Keuangan
berkelanjutan
Problems with the Implementation of Sustainable Finance
Kinerja Keberlanjutan
Sustainability Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio,
Target Pembiayaan, atau Investasi, Pendapatan dan Laba
Rugi
Comparison of Production Targets and Performance, Portfolio, Financing Targets, or Investment, Income and Profit
and Loss
F.3 Perbandingan Target dan Kinerja Portofolio, Target
Pembiayaan, atau Investasi Pada Instrumen Keuangan
atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Financial Instruments or
Projects that are in Line with the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspects
F.4 Biaya Lingkungan Hidup
Environmental Costs
Aspek Material
Material Aspect
F.5 Penggunaan Material Yang Ramah Lingkungan
Use of environmentally friendly materials
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan
Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan
Energi Terbarukan
Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Aspek Air
Water Aspect
F.8 Penggunaan Air
Water usage
PT Bank KB Bukopin Tbk Sustainability Report 2023 143
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No
Nama Indeks
Indeks Hal.
Index Name
Index No.
Aspek Keanekaragaman Hayati
Biodiversity Aspects
F.9 Dampak dari Wilayah Operasional yang Dekat atau
Berada di Daerah Konservasi atau Memiliki
Keanekaragaman Hayati
Impact of Operational Areas that are Near or Located in Conservation Areas or Have Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati
Biodiversity Conservation Efforts
Aspek Emisi
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan
Berdasarkan Jenisnya
Number and Intensity of Emissions Produced Based on Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang
Dilakukan
Emission Reduction Efforts and Achievements Made
Aspek Limbah Dan Efluen
Waste and Effluent Aspects
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan
Jenis
Amount of Waste and Effluent Generated by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen
Waste and Effluent Management Mechanism
F.15 Tumpahan yang Terjadi (Jika Ada)
Spills that Occur (If Any)
Aspek Pengaduan Terkait Lingkungan Hidup
Aspects of Complaints Related to the Environment
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang
Diterima dan Diselesaikan
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
F.17 Komitmen LJK, Emiten, atau Perusahaan Publik untuk
Memberikan Layanan Atas Produk dan/atau Jasa yang
Setara Kepada Konsumen
Commitment of LJK, Issuer or Public Company to Provide Equivalent Products and/or Services to Consumers
Aspek Ketenagakerjaan
F.18 Kesetaraan Kesempatan Bekerja
Equal Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa
Child Labor and Forced Labor
F.20 Upah Minimum Regional
Regional minimum wage
F.21 Lingkungan Bekerja yang Layak Dan Aman
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai
Employee Capacity Training and Development
Aspek Masyarakat
Community Aspects
F.23 Dampak Operasi Terhadap Masyarakat Sekitar
Impact of Operations on Surrounding Communities
F.24 Pengaduan Masyarakat
Public Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
Environmental Social Responsibility Activities (TJSL)
144 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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No
Nama Indeks
Indeks Hal.
Index Name
Index No.
Tanggung Jawab Pengembangan Produk/Jasa
Berkelanjutan
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan
berkelanjutan
Innovation and Development of Sustainable Financial Products/Services
F.27 Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi
Pelanggan
Products/Services That Have Been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa
Product/Service Impact
F.29 Jumlah Produk yang Ditarik Kembali
Number of Products Recalled
F.30 Survei Kepuasan Pelanggan terhadap Produk dan/atau
Jasa Keuangan Berkelanjutan
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
Lain-lain
G.1 Verifikasi Tertulis dari Pihak Independen (jika Ada)
Written Verification from an Independent Party (if any)
G.2 Lembar Umpan Balik
Feedback Sheet
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
Response to Feedback from the Previous Year's Sustainability Report
G.4 Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa
Keuangan,Emiten dan Perusahaan Publik
List of Disclosures in Accordance with POJK 51/2017 concerning Implementation of Sustainable Finance for Financial
Services Institutions,Issuers and Public Companies
PT Bank KB Bukopin Tbk Sustainability Report 2023 145
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INDEKS KONTEN GRI STANDARD 2021
GRI STANDARD 2021 CONTENT INDEX
Pernyataan penggunaan PT Bank KB Bukopin Tbk melaporkan informasi yang dikutip dalam indeks konten GRI ini untuk
Statement of Use periode 1 Januari 2023-31 Desember 2023 sesuai dengan Standard GRI (in accordance with the
GRI Standards).
PT Bank KB Bukopin Tbk reports the information cited on the GRI content index for the period from
January 1, 2023 to December 31, 2023 are in accordance with GRI Standards
GRI 1 GRI 1: Landasan 2021
GRI 1: Foundation 2021
GRI Sektor Standards -
GRI Standard Sectors
Pengecualian
Exemption
Standard GRI Pengungkapan Hlm. Persyaratan
GRI Standard Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
2-1 Detail Organisasi 30,31,44,47
Organizational details
2-2 Entitas yang tercakup dalam pelaporan 24,42
keberlanjutan organisasi
Entities included in the organization’s
sustainability reporting
2-3 Periode pelaporan, frekuensi dan titik 23,24, 27
kontak
Reporting period, frequency and
contact point
2-4 Pernyataan ulang informasi 27
Restatements of information
2-5 Penjaminan eksternal 27, 140
External assurance
2-6 Kegiatan, rantai nilai, dan hubungan 30,31
bisnis lainnya
Activities, value chain and other
business relationships
2-7 Karyawan 30, 48
Employees
GRI Pengungkapan
Umum 2021 2-8 Pekerja yang Bukan Pekerja Langsung 51
GRI General Workers who are not employees
Disclosures 2021
2-9 Struktur dan komposisi tata kelola 61
Governance structure and composition
2-10 Nominasi dan seleksi untuk badan tata Laporan Tahunan
kelola tertinggi Bab Tata Kelola
Nomination and selection to the highest Perusahaan,
governance body halaman 365
Annual Report
Corporate
Governance
Chapter, page 365
2-11 Pejabat tata kelola tertinggi 61
Highest governance official
2-12 Peran pejabat tata kelola tertinggi dalam 62
memantau dampak manajemen
The role of the highest governance
official in monitoring management
impacts
2-13 Pendelegasian tanggung jawab untuk 61
mengelola dampak
Delegation of responsibility for
managing impacts
146 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
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Pengecualian
Exemption
Standard GRI Pengungkapan Hlm. Persyaratan
GRI Standard Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
2-14 Peran badan tata kelola tertinggi dalam 66
pelaporan keberlanjutan
The role of the highest governance
body in sustainability reporting
2-15 Konflik kepentingan 79
Conflict of interest
2-16 Komunikasi keprihatinan kritis 75
Communication of critical concerns
2-17 Pengetahuan kolektif badan tata kelola 66
tertinggi
Collective knowledge of the highest
governance body
2-18 Evaluasi kinerja badan tata kelola Laporan Tahunan
tertinggi Bab Tata Kelola
Evaluation of the performance of the Perusahaan,
highest governance body halaman 345, 358
Annual Report
Corporate
Governance
Chapter, pages
345, 358
2-19 Kebijakan Remunerasi Laporan Tahunan
Remuneration Policy Bab Tata Kelola
Perusahaan,
2-20 Proses penentuan remunerasi halaman 365-366
The process of determining Corporate
remuneration Governance
GRI Pengungkapan 2-21 Rasio kompensasi total tahunan Chapter Annual
Umum 2021 Annual total compensation ratio Report, pages
GRI General 365-366
Disclosures 2021 2-22 Pernyataan tentang strategi 15
pembangunan berkelanjutan
Statement on sustainable development
strategy
2-23 Komitmen kebijakan 74,75
Policy commitments
2-24 Komitmen dalam menanamkan 74, 75
kebijakan
Embedding policy commitments
2-25 Proses untuk memulihkan dampak 78
negatif
Process for reversing negative impacts
2-26 Mekanisme untuk mencari nasihat dan 75
menyampaikan kekhawatiran
Mechanisms for seeking advice and
raising concerns
2-27 Kepatuhan terhadap hukum dan 98, 110, 135
peraturan
Compliance with laws and regulations
2-28 Keanggotaan asosiasi 56
Association membership
2-29 Pendekatan terhadap keterlibatan 82
pemangku kepentingan
Approaches to stakeholder engagement
2-30 Perjanjian perundingan kolektif 51
Collective bargaining agreement
PT Bank KB Bukopin Tbk Sustainability Report 2023 147
Page 148
Pengecualian
Exemption
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page Yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
GRI 3: Topik Material 3-1 Proses untuk menentukan topik material 25
2021 Process to determine material topics
GRI 3: Material Topic
2021 3-2 Daftar topik material 25
Material topics list
PENGUNGKAPAN STANDAR KHUSUS
SPECIAL STANDARD DISCLOSURE
TOPIK EKONOMI
ECONOMIC TOPICS
KINERJA EKONOMI
ECONOMIC PERFORMANCE
GRI 3: Topik Material 3-3 Manajemen topik material 26,
2021 Management of material topics 93,96,99
GRI 3: Material Topic
2021
GRI 201: Kinerja Ekonomi 201-1 Nilai ekonomi langsung yang dihasilkan 96
2016 dan didistribusikan
GRI 201: Economic Direct Economic Value Generated and
Performance 2016 Distributed
201-2 Implikasi finansial serta risiko dan 99
peluang lain akibat dari perubahan iklim
Financial implications and other risks
and opportunities resulting from climate
change
201-3 Kewajiban program pensiun manfaat 99
pasti dan program pensiun lainnya
Obligations of defined benefit pension
plans and other pension plans
201-4 Bantuan finansial yang diterima dari 100
pemerintah
Financial assistance received from the
government
KEBERADAAN PASAR
MARKET EXISTENCE
GRI 3: Topik Material 3-3 Manajemen topik material 26, 120,121
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 202: Keberadaan 202-1 Rasio standar upah karyawan entry- 121
Pasar 2016 level berdasarkan jenis kelamin
GRI 202: Market terhadap upah minimum regional
Existence 2016 The ratio of the standard entry-level
wage by gender to the regional
minimum wage
202-2 Proporsi manajemen senior yang
berasal dari masyarakat lokal
The proportion of senior management
who come from the local community
DAMPAK EKONOMI TIDAK LANGSUNG
INDIRECT ECONOMIC IMPACTS
GRI 3: Topik Material 3-3 Manajemen topik material 26, 131
2021 Management of material topics
GRI 3: Material Topic
2021
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Pengecualian
Exemption
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page Yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
GRI 203: Dampak 203-1 Investasi infrastruktur dan dukungan 131,132
Ekonomi Tidak Langsung layanan
GRI 2023: Indirect Infrastructure investment and service
Economic Impacts support
203-2 Dampak ekonomi tidak langsung yang 131,132
signifikan
Significant indirect economic impact
PRAKTIK PENGADAAN
PROCUREMENT PRACTICE
GRI 3: Topik Material 3-3 Manajemen topik material 26, 52
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 204: Praktik 204-1 Proporsi pengeluaran untuk pemasok 52
Pengadaan 2016 lokal
GRI 204: Procurement Proportion of spending on local
Practice suppliers
ANTIKORUPSI
ANTI-CORRUPTION
GRI 3: Topik Material 3-3 Manajemen topik material 26, 80
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 205: Antikorupsi 205-1 Operasi-operasi yang dinilai memiliki 80
2016 risiko terkait korupsi
GRI 205: Anti-Corruption Operations that are assessed as having
2016 risks related to corruption
205-2 Komunikasi dan pelatihan tentang 80, 81
kebijakan dan prosedur anti-korupsi
Communication and training on anti-
corruption policies and procedures
205-3 Insiden korupsi yang terbukti dan 81
tindakan yang diambil
Proven incidents of corruption and
actions taken
TOPIK LINGKUNGAN
ENVIRONMENT TOPIC
ENERGI
ENERGY
GRI 3: Topik Material 3-3 Manajemen topik material 26, 103,
2021 Management of material topics 104, 105
GRI 3: Material Topic
2021
GRI 302: Energi 2016 302-1 Konsumsi energi dalam organisasi 106
GRI 302: Energy 2016 Energy consumption within the
organisation
302-2 Konsumsi energi di luar organisasi 107
Energy consumption outside the
organisation
302-3 Intensitas energi 106
Energy intensity
302-4 Pengurangan konsumsi energi 105
Reduction of energy consumption
302-5 Pengurangan pada energi yang 105
dibutuhkan untuk produk dan jasa.
Reduction in energy required for
products and services.
AIR DAN EFLUEN
WATER AND EFFLUENTS
PT Bank KB Bukopin Tbk Sustainability Report 2023 149
Page 150
Pengecualian
Exemption
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page Yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
GRI 3: Topik Material 3-3 Manajemen topik material 26, 103,
2021 Management of material topics 104, 109
GRI 3: Material Topic
2021
303-1 Interaksi dengan air sebagai sumber 109
daya bersama
Interaction with water as a shared
GRI 303: Air dan Efluen resource
2018
GRI 303: Water and 303-2 Manajemen dampak yang berkaitan 109
Effluents dengan pembuangan air
Management of impacts related to
water discharge
303-3 Pengambilan air 109
Water withdrawal
GRI 303: Air dan Efluen
2018 303-4 Pembuangan air 109
GRI 303: Water and Water discharge
Effluents 2018
303-5 Konsumsi air 110
Water consumption
EMISI
EMISSIONS
GRI 3: Topik Material 3-3 Manajemen topik material 26, 103,
2021 Management of material topics 104, 107
GRI 3: Material Topic
2021
GRI 305: Emisi 2016 305-1 Emisi GRK (Cakupan 1) langsung 107
GRI 305: Emissions 2016 Direct (Scope 1) GHG emissions
305-2 Emisi energi GRK (Cakupan 2) tidak 108
langsung
Indirect (Scope 2) GHG energy
emissions
305-3 Emisi GRK (Cakupan 3) tidak langsung 107
lainnya
Other indirect GHG (Scope 3) emissions
305-4 Intensitas emisi GRK 108
GHG emission intensity
305-5 Pengurangan emisi GRK 105
GHG emission reduction
305-6 Emisi zat perusak ozon (ODS) 106
Emissions of ozone depleting
substances (ODS)
305-7 Nitrogen Oksida (NOX), sulfur oksida 108
(SOX), dan emisi udara signifikan lainnya
Nitrogen Oxides (NOX), sulfur oxides
(SOX), and other significant air
emissions
TOPIK SOSIAL
SOCIAL TOPIC
KEPEGAWAIAN
EMPLOYMENT
GRI 3: Topik Material 3-3 Manajemen topik material 26, 114, 117,
2021 Management of material topics 123
GRI 3: Material Topic
2021
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Pengecualian
Exemption
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page Yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
GRI 401: Kepegawaian 401-1 Perekrutan karyawan baru dan 117
2016 pergantian karyawan
GRI 401: Employment Recruitment of new employees and
2016 employee turnover
401-2 Tunjangan yang diberikan 123
kepada karyawan purnawaktu
yang tidak diberikan kepada karyawan
sementara atau paruh waktu
Benefits provided to full-time employees
that are not provided to temporary or
part-time employees
401-3 Cuti melahirkan 123
Maternity leave
KESEHATAN DAN KESELAMATAN KERJA
OCCUPATIONAL HEALTH AND SAFETY
GRI 3: Topik Material 3-3 Manajemen topik material 26, 127,128
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 403: Kesehatan dan 403-1 Sistem manajemen keselamatan dan 128
Keselamatan Kerja 2018 kesehatan kerja
GRI 403: Occupational Occupational safety and health
Health and Safety 2018 management system
403-2 Identifikasi bahaya, penilaian risiko, dan 128
investigasi insiden
Hazard identification, risk assessment,
and incident investigation
403-3 Layanan kesehatan kerja 129
Occupational health services
403-4 Partisipasi, konsultasi, dan komunikasi 128
pekerja tentang keselamatan dan
kesehatan kerja
Worker participation, consultation and
communication regarding occupational
safety and health
403-5 Pelatihan bagi pekerja mengenai 128
keselamatan dan kesehatan kerja
Training for workers regarding
occupational safety and health
403-6 Peningkatan kualitas kesehatan pekerja 129
Improving the quality of workers' health
403-7 Pencegahan dan mitigasi dampak dari 129
keselamatan dan kesehatan kerja yang
secara langsung terkait hubungan bisnis
Prevention and mitigation of impacts on
occupational safety and health that are
directly related to business relationships
403-8 Pekerja yang tercakup dalam sistem 128
manajemen keselamatan dan kesehatan
kerja
Workers covered by the occupational
safety and health management system
403-9 Kecelakaan kerja 130
Work accident
403- Penyakit akibat kerja 130
10 Occupational illness
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Page 152
Pengecualian
Exemption
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page Yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Exempted
Requirements
PELATIHAN DAN PENDIDIKAN
TRAINING AND EDUCATION
GRI 3: Topik Material 3-3 Manajemen topik material 26, 124
2021 Management of material topics
GRI 3: Material Topic
2021
404-1 Rata-rata jam pelatihan per tahun per 125
karyawan
Average training hours per year per
employee
404-2 Program untuk meningkatkan 124
keterampilan karyawan dan program
GRI 404: Pelatihan dan
bantuan peralihan
Pendidikan 2016
Programs to improve employee skills
GRI 404: Training and
and transitional assistance programs
Education 2016
404-3 Persentase karyawan yang menerima 127
tinjauan rutin terhadap kinerja dan
pengembangan karier
Percentage of employees receiving
regular performance and career
development reviews
KEANEKARAGAMAN DAN KESEMPATAN SETARA
DIVERSITY AND EQUAL OPPORTUNITIES
GRI 3: Topik Material 3-3 Manajemen topik material 27, 123
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 405: 405-1 Keanekaragaman badan tata kelola dan 123
Keanekaragaman dan karyawan
Kesempatan Setara Diversity of governance bodies and
2016 employees
GRI 405: Diversity and
Equal Opportunity 2016 405-2 Rasio gaji pokok dan remunerasi 123
perempuan dibandingkan laki-laki
Ratio of basic salary and remuneration
of women compared to men
PRIVASI PELANGGAN
CUSTOMER PRIVACY
GRI 3: Topik Material 3-3 Manajemen topik material 27, 135
2021 Management of material topics
GRI 3: Material Topic
2021
GRI 418: Privasi 418-1 Pengaduan yang berdasar mengenai 135
Pelanggan 2016 pelanggaran terhadap privasi pelanggan
GRI 418: Customer dan hilangnya data pelanggan
Privacy 2016 Complaints that are based on violations
of customer privacy and loss of
customer data
152 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Page 153
PT Bank KB Bukopin Tbk Sustainability Report 2023 153
Page 154
2023 Sustainability Report
Strengthening
a Solid Business
Foundation
PT Bank KB Bukopin Tbk
Kantor Pusat | Head Office
Gedung KB Bank
Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770
+6221-7988266, 7989837
+6221-7980625, 7980238, 7980244
www.kbbank.co.id
corsec@kbbank.co.id
kbbukopin
154 Laporan Keberlanjutan 2023 PT Bank KB Bukopin Tbk
Names mentioned 87 people and organisations named in the text · linked when the evidence is strong
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unresolved
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Bank KB Bukopin Care
p.6
unresolved
org
PT Bank KB
p.6 ×14
unresolved
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Bukopin Tbk
p.7 ×9
unresolved
org
KB Bukopin Tbk
p.7 ×9
unresolved
org
Bank Tahun POJK Keuangan Pilar RKAB Bank
p.7
unresolved
org
Bank RKAB Pillars
p.7
unresolved
org
Pusat
p.16
unresolved
org
Financial Services Authority
p.16 ×5
unresolved
org
Bank Groups Based
p.23
unresolved
org
Bank Outside The In The Bank Bank TOPIK
p.26
unresolved
org
Bank Outside The In The Bank Bank Keanekaragaman
p.27
unresolved
org
Bank Facebook
p.27
unresolved
org
Bank Instagram
p.27 ×2
unresolved
org
Bank Umum Koperasi Indonesia
p.30 ×5
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Direktorat Jenderal Koperasi
p.30 ×4
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Koperasi
p.30 ×5
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org
Indonesia Stock Exchange
p.30
unresolved
org
PT Bank KB Bukopin Syariah Subsidiaries
p.30
unresolved
org
PT KB Bukopin Finance
p.30 ×5
unresolved
org
Bank Umum Koperasi
p.32
unresolved
org
Menteri Keuangan
p.32
unresolved
org
Bank Bank Bukopin.
p.32
unresolved
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Bank Bukopin.
p.32 ×20
unresolved
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Bank Bukopin’s
p.32 ×2
unresolved
org
Kementerian Hukum dan Hak Asasi Manusia RI
p.33
unresolved
org
Ministry of Law and Human Rights
p.33 ×2
unresolved
org
Kementerian Hukum dan Hak Asasi Manusia
p.33
unresolved
org
PT Bank KB Bukopin Syariah
p.33 ×3
unresolved
org
PT Indo Trans Buana Multi
p.33
unresolved
org
PT Indo Trans Buana Multi Finance
p.33
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Tan A. Sioe
p.33 ×2
unresolved
org
PT Bank KB Bukopin Sementara
p.34
unresolved
org
PT Bank Persyarikatan Indonesia
p.34 ×2
unresolved
person
Dr. Widjodjo Wilami
p.34 ×4
unresolved
org
Bank KB Kookmin
p.34 ×3
unresolved
org
Bank Surat Keputusan Direktorat Jenderal Koperasi
p.35
unresolved
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Directorate General of Cooperatives
p.35 ×2
unresolved
org
Bank Hukum Koperasi
p.35
unresolved
org
Bank Bukopin Disahkan
p.35
unresolved
person
Notary Deed
· Notaris
p.35
unresolved
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Notary Muhani Salim
p.35 ×2
unresolved
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Bank Indonesia
p.35 ×2
unresolved
org
Foreign Corporation
p.47
unresolved
person
Forum Komunikasi
· Direktur
p.56
unresolved
org
Bank Building Auditorium
p.63
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· Wakil Komisaris Utama
p.64 ×3
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person
Extraordinary GMS
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p.64 ×12
unresolved
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Departemen Anti
p.75
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Adapun
· Komisaris
p.80
unresolved
org
PT Strategi Anti Fraud
p.82
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—
Work Partners/Suppliers
p.83
unresolved
—
Employee
p.83
unresolved
org
Ministry of Energy ESDM
p.107
unresolved
org
Level I-V Risk Management
· Komisaris
p.124
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