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23 2023 2023
erkelanjutan
Laporan Berkelanjutan
Sustainability ReportLaporan Berkelanjutan
ity Report Sustainability Report
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Sustainability Growth Through Collaboration & Inclusivity
PT Bank Aladin Syariah Tbk
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2023
2
Laporan Berkelanjutan
Sustainability Report
PT Bank Aladin Syariah Tbk
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
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Tema dan Kesinambungan Tema
Theme and Theme Explanation
Membangun Pertumbuhan Berkelanjutan melalui Kolaborasi Inklusivitas
Building Sustainable Growth through Collaborative Inclusivity
Bagi Bank Aladin Syariah, keberlanjutan bukanlah sebuah capaian For Bank Aladin Syariah, sustainability is not is not stand alone ultimate
mutlak yang berdiri sendiri. Dibutuhkan kolaborasi dengan pemangku achievement. Collaboration with stakeholders is needed to realize
kepentingan untuk dapat mewujudkan konsep keberlanjutan yang the true concept of sustainability. In line with this, inclusivity is also
hakiki. Sejalan dengan hal itu, inklusivitas turut menjadi bagian penting an important part of the sustainability initiatives developed by Bank
dari upaya inisiatif keberlanjutan yang dikembangkan Bank Aladin Aladin Syariah. Through this collaboration and inclusiveness, Bank
Syariah. Melalui kolaborasi dan inklusivitas ini, Bank Aladin berupaya Aladin Syariah seeks to promote a sustainable banking business that
mendorong bisnis perbankan yang berkelanjutan, yang tentunya is based on the proper and correct sharia principles. Undoubtedly, all
didasarkan pada prinsip syariah yang baik dan benar. Niscaya, seluruh targets that have been set can be well achieved.
target yang telah dicanangkan akan mampu tercapai dengan baik.
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Tentang Laporan Keberlanjutan Ini
About This Sustainability Report
Rujukan Laporan About This Report
PT Bank Aladin Syariah Tbk, disebut juga “Bank Aladin”, “Bank PT Bank Aladin Syariah Tbk, also known as “Bank Aladin”, “Bank Aladin
Aladin Syariah”, “Bank”, “Perseroan”, atau “Kami”, berkomitmen Syariah”, “Bank”, “Company”, or “We”, is committed to increasing
untuk meningkatkan transparansi dalam menjalankan usaha. transparency when conducting its business. Through this transparency,
Melalui transparansi tersebut, segenap pemangku kepentingan akan all stakeholders will understand what the Bank has done to fulfill the
mengetahui apa saja yang sudah dilakukan Bank untuk memenuhi rights of stakeholders. In this context and spirit, Bank Aladin publishes
hak-hak para pemangku kepentingan. Dalam konteks dan semangat the Sustainability Report for the 2023 fiscal year.
ini, Bank Aladin menerbitkan Laporan Keberlanjutan tahun buku 2023.
Penerbitan laporan ini merupakan kepatuhan Bank terhadap Peraturan The publication of this report constitutes the Bank’s compliance with
Otoritas Jasa Keuangan (OJK) No. 51/POJK.03/2017 tentang Penerapan the Financial Services Authority (OJK) Regulation No. 51/POJK.03/2017
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan concerning the Implementation of Sustainable Finance for Financial
Perusahaan Publik (“POJK Keuangan/Kegiatan Berkelanjutan”). Services Institutions, Issuers and Public Companies (“POJK Finance/
Dalam statusnya sebagai bank syariah berbasis digital, laporan ini Sustainable Activities”). In its status as a digital-based sharia bank, this
merupakan laporan ke-3 kalinya atas penerapan laporan keuangan report is the 3rd sustainability report and was published on March
berkelanjutan Bank yang diterbitkan pada tanggal 28 Maret 2024. 28, 2024. The previous report was published on April 28, 2023 [2-3].
Laporan sebelumnya terbit pada 28 April 2023 [2-3].
Selain POJK Keuangan Berkelanjutan, penerbitan laporan ini sekaligus In addition to the POJK Sustainable Finance, the publication of this
merupakan implementasi dan tanggung jawab dan ketaatan Bank report constitutes the Bank’s responsibility and compliance with
terhadap Undang-Undang yaitu Undang-Undang No. 40 tahun 2007 the Law, namely Law No. 40 of 2007 concerning Limited Liability
tentang Perseroan Terbatas, yang mewajibkan Perseroan Terbatas Companies, which requires Limited Liability Companies submit their
menyampaikan pelaksanaan kegiatan Tanggung jawab Sosial dan Social and Environmental Responsibility (SER) activities.
Lingkungan (TJSL).
Di samping itu, untuk dapat meningkatkan standar pelaporan dan Further, to improve reporting standards and monitoring efforts for
upaya pemantauan atas pelaksanaan inisiatif keberlanjutan yang the sustainability initiatives carried out by Bank Aladin Syariah, this
dilakukan Bank Aladin Syariah, laporan ini juga dipublikasikan dengan report is also published with reference to standards published by
mengacu kepada standar yang dipublikasikan Global Sustainability the Global Sustainability Standards Board (GSBB) - an institution
Standards Board (GSBB) – lembaga yang dibentuk oleh Global Reporting formed by the Global Reporting Initiative (GRI). To make it easier for
Initiative (GRI). Untuk memudahkan pengguna laporan, dalam laporan report users, in this report an index with the color “red” is used to link
ini digunakan indeks dengan warna “merah” untuk dapat menautkan the contents of the report to the Disclosure List in accordance with
isi laporan sesuai dengan Daftar Pengungkapan Sesuai Peraturan the Financial Services Authority Regulation No. 51/POJK.03/2017
Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan concerning the Implementation of Sustainable Finance by Financial
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Services Institutions, Issuers and Public Companies, and the color
Perusahaan Publik, dan warna “hijau” untuk menautkan isi laporan “green” to link the report content to the GRI Content Index.
sesuai dengan Indeks Konten GRI.
Data keuangan dalam laporan ini menggunakan nominasi Rupiah, All financial data in this report is denominated in Rupiah, unless
kecuali diindikasikan lain. Dalam melaporkan data keuangan, kami otherwise indicated. When reporting financial data, we use techniques
menggunakan teknik berdasarkan Pernyataan Standar Akuntansi based on the Indonesian Statement of Financial Accounting Standards
Keuangan (“PSAK”) Indonesia. Sedangkan untuk data keberlanjutan, (“PSAK”). Meanwhile, for sustainability data, we use internationally
kami menggunakan teknik pengukuran data yang berlaku secara accepted data measurement techniques. To reach a wider audience,
internasional. Untuk menjangkau pembaca yang lebih luas, laporan ini this report is prepared in two languages: Indonesian and English.
dibuat dalam dua bahasa, yakni Bahasa Indonesia dan Bahasa Inggris.
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Prinsip Pelaporan Reporting Principles
Laporan ini disusun dengan mengacu kepada 8 (delapan) prinsip This report is prepared with reference to 8 (eight) reporting principles
pelaporan sebagaimana ditentukan pada GRI 1: Landasan 2021 sebagai as specified in GRI 1: 2021 Foundation, which are as follows:
berikut:
1. Akurasi 1. Accuracy
Bank melaporkan informasi yang benar dan cukup terperinci agar The Bank reports information that is correct with sufficient details
dapat dilakukan penilaian dampak organisasi. to enable an organizational impact assessment to be carried out.
2. Keseimbangan 2. Balance
Bank melaporkan informasi dengan cara netral dan menyediakan The Bank reports information in a neutral manner and provides
gambaran yang seimbang tentang dampak negatif dan positif a balanced picture of the organization’s negative and positive
organisasi. impacts.
3. Kejelasan 3. Clarity
Bank menyajikan informasi dengan cara yang dapat diakses dan The Bank presents information in an accessible and understandable
dapat dipahami. manner.
4. Keterbandingan 4. Comparability
Bank memilih, menyusun, dan melaporkan informasi secara The Bank selects, compiles and reports information consistently
konsisten agar mereka dapat melakukan analisis mengenai so as to analyze changes in an organization’s impact over time and
perubahan dalam dampak organisasi seiring waktu dan analisis analyze this impact in relation to the impact of other organizations.
dampak ini yang berkaitan dengan dampak organisasi lain.
5. Kelengkapan 5. Completeness
Bank menyediakan informasi yang memadai agar penilaian dampak The Bank provides sufficient information to enable an organizational
organisasi dapat dilakukan selama periode pelaporan. impact assessment to be carried out during the reporting period.
6. Konteks keberlanjutan 6. Context of sustainability
Bank melaporkan informasi tentang dampak mereka dalam konteks The Bank reports information about their impact in the broader
yang lebih luas dari pembangunan berkelanjutan. context of sustainable development.
7. Ketepatan waktu 7. Timeliness
Bank melaporkan informasi secara rutin dan menyediakan The Bank reports information regularly and provides this
informasi tersebut secara tepat waktu bagi pengguna informasi information in a timely manner for information users to make
untuk mengambil keputusan. decisions.
8. Keterverifikasian 8. Verifiability
Bank mengumpulkan, mencatat, menyusun, dan menganalisis The Bank collects, records, organizes and analyzes information in
informasi dengan cara sedemikian rupa sehingga informasi such a way that the information can be examined to determine
tersebut dapat diteliti untuk menentukan kualitasnya. its quality.
Cakupan dan Batasan Laporan Scope and Limitations of the Report
Laporan ini mencakup kegiatan Kantor Pusat Bank Aladin Syariah di This report covers the activities of Bank Aladin Syariah Head Office
Jakarta. Selain kinerja aspek ekonomi, laporan berisi tentang kinerja in Jakarta. Aside from the performance of the economic aspect, the
aspek lingkungan dan sosial serta dampak yang ditimbulkannya, report also contains the performance of the environmental and social
termasuk di dalamnya dampak positif [2-2]. aspects and the impacts they cause, including positive impacts [2-2].
Siklus, Periode Pelaporan dan Cycle, Reporting Period
Pernyataan Penggunaan and Usage Statement
Sebagai bagian tak terpisahkan dari Laporan Tahunan Bank, laporan ini As an inseparable part of the Bank’s Annual Report, this report is
terbit setahun sekali. Bank Aladin Syariah telah melaporkan informasi published once a year. Bank Aladin Syariah has reported all information
yang dikutip dalam indeks konten GRI untuk periode 1 Januari 2023 in accordance with the GRI content index for the period January 1,
hingga 31 Desember 2023 dengan merujuk kepada Standar GRI 3 [2-3]. 2023 to December 31, 2023 with reference to GRI Standard 3 [2-3].
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Penentuan dan Penetapan Determination and Establishment of
Standar Topik Sesuai GRI Standards Topic According to GRI
Dalam Standar GRI, Bank diberikan ruang untuk menentukan Standar In the GRI Standards, Banks are given space to determine Standard
Topik dengan metode penentuan dan penetapan merujuk pada acuan Topics using the definition and stipulation methods by referring to
yang telah diberikan GRI. Standar Topik merupakan topik material the references provided by GRI. Standard Topics are material topics
sebagai topik yang mewakili dampak paling signifikan Bank terhadap that represent the Bank’s most significant impact on the economy,
ekonomi, lingkungan, dan manusia, di mana berbagai topik ini menjadi environment and people, in which these topics are fundamental
elemen mendasar terkait keberhasilan strategi keberlanjutan Bank elements to the success of Bank Aladin Syariah’s sustainability strategy.
Aladin Syariah.
Metodologi Bank Aladin Syariah untuk Mendefinisikan Standar Topik GRI
Bank Aladin Syariah Methodology for Defining GRI Standard Topics
Identification Prioritization Validation Refinement
Prioritas
Identifikasi Pemeringkatan topik berdasarkan Validasi Penyempurnaan
Sudut pandang dan signifikansinya bagi pemangku Menyajikan hasil dan Menyempurnakan topik dan
kepentingan pemangku kepentingan (melalui survei) dan rekomendasi kepada strategi sesuai masukan dari
kepentingan signifikansinya bagi Bank (melalui manajemen senior untuk manajemen senior
Perspectives and diskusi dengan manajemen senior) mendapatkan validasi Refine topics and strategy
interests of stakeholders Ranking of topics based on Present results and as per feedback by senior
significance to stakeholders recommendations to senior management
(via survey) and significance to management to obtain
Bank (via discussion with senior validation
management)
Untuk menjaga relevansi Standar Topik atas perkembangan operasi To maintain the relevance of Standard Topics for the development of
dan bisnis Bank, metodologi di atas dilakukan di setiap tahunnya dalam the Bank’s operations and business, the above methodology is used
rangkap mendefinisikan kembali dan/atau melakukan konfirmasi ulang every year to redefine and/or reconfirm existing Standard Topics. In
atas Standar Topik yang ada. Untuk Laporan Keberlanjutan tahun the 2023 Sustainability Report, there are slight changes to material
2023, terdapat sedikit perubahan terkait topik material dibandingkan topics compared to the previous year. The determination of these
tahun sebelumnya. Penetapan adanya perubahan diputuskan setelah changes was decided after the Bank conducted a review of the 2022
Bank melakukan peninjauan terhadap topik material tahun 2022 material topics, and involved internal and external stakeholders in
dengan melibatkan pemangku kepentingan internal dan eksternal accordance with the 2021 GRI Universal Standards guidelines. In this
sesuai panduan GRI Universal Standards Tahun 2021. Melalui review, apart from identifying and assessing impacts on an ongoing
peninjauan tersebut, selain mengidentifikasi dan menilai dampak basis, the Bank also ensured that the material topics in this report
secara berkesinambungan, sekaligus Bank dapat memastikan bahwa represented the most significant impacts during the reporting year.
topik material dalam laporan ini mewakili dampak paling signifikan
selama tahun pelaporan.
Peninjauan dilakukan melalui diskusi secara online pada tanggal 21 The review was carried out through an online discussion on December
Desember 2023 yang diikuti oleh pemangku kepentingan internal 21, 2023 that was attended by the Bank’s internal stakeholders, namely
Bank, yaitu manajemen dan karyawan lintas divisi, termasuk para the management and employees across divisions, including those
penanggung jawab penyusunan laporan. Adapun dari pemangku responsible for preparing the report. The external stakeholders involved
kepentingan eksternal yang terlibat di antaranya investor, konsultan, include investors, consultants, partners, media, non-governmental
mitra, media, lembaga swadaya masyarakat, vendor, dan pihak organizations, vendors and report users. For the Bank’s external
pengguna laporan. Terkait dengan pemangku kepentingan eksternal stakeholders, the review of material topics was carried out using a
Bank, peninjauan topik-topik material dilakukan melalui metode survei survey method carried out from November 27 to December 15, 2023.
yang dilaksanakan dari tanggal 27 November hingga 15 Desember 2023. Before the discussion and interviews were carried out, internal and
Sebelum diskusi dan wawancara dilakukan, pemangku kepentingan external stakeholders received a list of material topics for the 2022
internal dan eksternal telah menerima daftar topik material Laporan Sustainability Report and a list of material topics for the 2021 GRI
Keberlanjutan Tahun 2022 dan daftar topik material GRI Standards Standards as a reference.
Tahun 2021 sebagai acuan diskusi.
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Proses Menentukan Topik Material [3-1]
Process for Determining Material Topics [3-1]
Mengidentifikasi dan menilai dampak secara
Menentukan topik material untuk pelaporan
berkesinambungan
Define material topics for reporting
Identify and assess impacts on an ongoing basis
Melibatkan berbagai
Menguji topik material dengan
pemangku kepentingan dan
pakar dan pengguna informasi
pakar yang relevan
Test material topics with
Engage with relevant
experts and information users
stakeholders and experts
1 2 3 4 Topik Material
Material Topics
Menilai signifkansi
Mengidentifikasi Memprioritaskan
Memahami konteks dampak
dampak actual dan dampak paling
organisasi Assessing the
potensial signifikan untuk
Understand the significance of the
Identify actual and pelaporan
organizational impact
potential impacts Prioritize the most
context
significant impacts for
reporting
Mempertimbangkan
Menguji topik material
topik dan dampak yang
Menggunakan Standar terhadap topik dalam
dideskripsikan dalam
Sektor untuk memahami Standar Sektor
Standar Sektor
konteks sektor Examine material topics
Consider the topics and
Using Sector Standards to against topics in the Sector
impacts described in the
understand sector context Standards
Sector Standards
Berdasarkan peninjauan secara internal dan eksternal disepakati Based on internal and external reviews, it was agreed that the material
bahwa topik material tahun 2022 masih relevan dengan situasi dan topics for 2022 were still relevant to the situation and conditions
kondisi yang dihadapi Bank pada tahun 2023. Daftar Topik material faced by the Bank in 2023. The material topics listed in the 2023
laporan tahun 2023 yang berjumlah 13 topik merupakan hasil dari report amounted to 13 topics after being reviewed by internal and
peninjauan terhadap masukan-masukan yang disampaikan melalui external stakeholders, as well as adjustments made in reference to
kuesioner oleh pemangku kepentingan internal dan eksternal, diskusi the GRI Standards that are approved by the Board of Directors. A
bilateral dengan anggota direksi, serta penyesuaian atas pembaruan complete list of material topics for the Bank’s 2023 Sustainability
oleh GRI yang telah disetujui oleh Direksi. Daftar topik material Laporan Report are as follows:
Keberlanjutan Bank Tahun 2023 selengkapnya adalah sebagai berikut:
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Nomor Batasan Topik
Pengungkapan Topic Boundaries
Topik Material Kenapa Topik Ini Material
Material Topic Reason Why This Topic Is Material
Standar Topik GRI Di Dalam Di Luar Bank
GRI Topic Standards Bank Outside the
Disclosure Number In the Bank Bank
TOPIK EKONOMI
ECONOMIC TOPIC
Kinerja Ekonomi Menggambarkan pencapaian dan kinerja Bank selama tahun 201-1 v v
Economic Performance pelaporan
Describes the Bank's achievements and performance during the
reporting year
Keberadaan Pasar Menggambarkan komitmen Bank terhadap hak normatif dalam 202-1 v v
Market Existence pengupahan
Describes the commitment to normative rights in remuneration
Dampak Ekonomi Tidak Menggambarkan manfaat atas keberadaan Bank bagi 203-1, 203-2 v v
Langsung masyarakat
Indirect Economic Impacts Describes the benefits of the Bank for the community
Praktik Pengadaan Menggambarkan komitmen Bank terhadap keberadaan 204-1 v v
Procurement Practices pemasok lokal
Describes the Bank's commitment to local suppliers
Anti Korupsi Menggambarkan komitmen Bank terhadap tindakan anti- 205-3 v v
Anti Corruption korupsi yang berpotensi mencemarkan nama baik Perusahaan
Describes the Bank's commitment to acts of anti-corruption that
have the potential to defame the Company's reputation
TOPIK LINGKUNGAN
ENVIRONMENTAL TOPIC
Energi Menggambarkan kepedulian Bank terhadap pengelolaan energi 302-1, 302-4 v
Energy yang ketersediaannya kian terbatas
Describes the Bank's concern for energy management where
the availability is increasingly limited
Emisi Menggambarkan komitmen Bank terhadap pengurangan emisi 305-1, 305-2, 305-5 v v
Emissions Describes the Bank's commitment to emission reduction
TOPIK SOSIAL
SOCIAL TOPIC
Kepegawaian Menggambarkan komitmen Bank dalam pengelolaan pegawai 401-1 v
Employment Describes the Bank's commitment to employee management
Pelatihan dan Pendidikan Menggambarkan komitmen Bank dalam upaya meningkatkan 404-1, 404-2 v
Training and Education kompetensi pekerja
Describes the Bank's commitment to improve employee
competencies
Keanekaragaman dan Menggambarkan komitmen Bank dalam menghargai 405-2 v
Kesempatan Setara keberagaman dan kesetaraan untuk maju dan berkembang
Diversity and Equal Describes the Bank's commitment to respecting diversity and
Opportunity equality to progress and develop
Privasi Pelanggan Menggambarkan komitmen Bank dalam menjaga kerahasiaan 418-1 v v
Customer Privacy data pelanggan
Describes the Bank's commitment to maintaining the
confidentiality of customer data
Pernyataan Ulang Informasi Restatement of Information
Untuk mendukung validitas isi laporan, apabila terdapat pernyataan To support the validity of the report content, if there is a restatement of
ulang informasi yang diberikan dalam laporan sebelumnya, kami information provided in a previous report, we mark these as *restated.
memberi tanda *disajikan kembali. Informasi dimaksud antara lain The information in question relates to the conversion of the volume
berkaitan dengan konversi volume penggunaan BBM dari liter ke of fuel used from liters to Gigajoules (GJ). The GJ unit adjustment
Gigajoule (GJ). Penyesuaian satuan GJ dilakukan dengan merujuk hasil was carried out by referring to the calculation results of the liter to GJ
perhitungan situs penghitung konversi liter ke GJ dan menunjukkan conversion calculator site and showed an increase in results compared
adanya peningkatan hasil dibanding perhitungan sebelumnya, to the previous calculation, as published in the 2023 report. The results
sebagaimana dimuat di laporan tahun 2023. Hasil perhitungan terbaru of the latest calculations also had an effect on the increase in energy
juga berpengaruh dengan naiknya intensitas energi per karyawan [2-4]. intensity per employee[2-4].
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Verifikasi oleh Pihak Independen Verification by an Independent Party
Laporan ini telah diverifikasi oleh pihak independen yaitu PT SGS This report has been verified by an independent party, PT SGS Indonesia
Indonesia yang dipilih berdasarkan pertimbangan keahlian, pengalaman, who was selected based on consideration of expertise, experience,
jaringan internasional dan kriteria-kriteria lain yang ditetapkan oleh international networks and other criteria determined by the Bank.
Bank. PT SGS Indonesia tidak memiliki ikatan pekerjaan lain dengan PT SGS Indonesia has no other ties with the Bank other than this
Bank selain pekerjaan penjaminan ini. Pernyataan penjaminan guarantee work. The independent assurance statement for this report
independen atas laporan ini disajikan pada halaman 144 Terkait dengan is presented on page 144 For the standards and methodology used,
standar dan metodologi yang digunakan, cakupan, batasan dan level the scope, limits and level of assurance are disclosed in their assurance
penjaminan diungkapkan dalam pernyataan penjaminan tersebut [2-5]. statement [2-5].
Aksesibilitas dan Umpan Balik [2-3] Accessibility and Feedback [2-3]
Bank mengundang para pembaca dan pemangku kepentingan untuk The Bank invites readers and stakeholders to access and download the
mengakses dan mengunduh laporan keberlanjutan melalui situs www. sustainability report via www.aladinbank.id. We welcome comments,
aladinbank.id. Kami menyambut baik komentar, ide dan umpan balik ideas and feedback from readers to improve the quality of our next
dari para pembaca demi perbaikan kualitas laporan kami berikutnya. report. These inputs can be submitted to us via:
Masukan-masukan tersebut dapat disampaikan kepada kami melalui:
Kantor Pusat Head Office
PT Bank Aladin Syariah Tbk PT Bank Aladin Syariah Tbk
Gedung Millennium Centennial Center, Lt 7 Gedung Millennium Centennial Center, 7th floor
Jl. Jenderal Sudirman Kav. 25. Jakarta 12920, Indonesia Jl. Jenderal Sudirman Kav. 25. Jakarta 12920, Indonesia
Telepon : +62 21 85500947 Telephone: +62 21 85500947
Faksimili: +62 21 39708007 Fax: +62 21 39708007
Surel: corsec@aladinbank.id Email: corsec@aladinbank.id
Situs Web: www.aladinbank.id Website: www.aladinbank.id
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Daftar Isi
Table of Contents
Tema dan Kesinambungan Tema
3 Theme and Theme Explanation
Tentang Laporan Keberlanjutan Ini
4 About This Sustainability Report
Daftar Isi
10 Table of Contents
Strategi Keberlanjutan
12 About This Sustainability Report
IKHTISAR KINERJA KEBERLANJUTAN
01 SUSTAINABILITY PERFORMANCE HIGHLIGHTS
Ikhtisar Keberlanjutan
26 Sustainability Overview
LAPORAN DIREKSI
02 BOARD of DIRECTORS EXPLANATION
Penjelasan Direksi
30 Explanation from the Board of Directors
Pernyataan Laporan Keberlanjutan Telah Ditinjau dan Disetujui oleh Badan Tata Kelola Tertinggi
38 Sustainability Report Statement Has Been Reviewed and Approved by the Highest Governance Body
PROFIL PERUSAHAAN
03 COMPANY PROFILE
Informasi Umum dan Identitas Perusahaan
42 General Information and Company Identity
Sekilas tentang Bank Aladin Syariah
44 Bank Aladin Syariah at a Glance
Visi, Misi, dan Nilai-nilai Keberlanjutan [C.1] [2-23]
47 Vision, Mission and Sustainability Values [C.1] [2-23]
Skala Usaha [C.3]
48 Business Scale [C.3]
Kegiatan Usaha, Produk dan Layanan Jasa, serta Pasar yang Dilayani [C.4] [2-1]
49 Business Activities, Products and Services, and Markets Served [C.4] [2-1]
Wilayah Operasi [C.2] [2-1; 2-6]
50 Operational Area [C.2] [2-1; 2-6]
Keanggotaan pada Organisasi dan Asosiasi [C.5] [2-28]
51 Membership in Organizations and Associations [C.5] [2-28]
Struktur Organisasi dan Manajemen Puncak [2-9]
52 Organizational Structure and Top Management [2-9]
Kepemilikan Saham
55 Ownership of Shares
Demografi Karyawan [C.3] [2-7; 2-8]
56 Employee Demographics [C.3] [2-7; 2-8]
Penghargaan dan Sertifikasi
60 Awards and Certifications
Rantai Nilai dan Perubahan Signifikan pada Rantai Nilai Organisasi [C.6] [2-6]
61 Value Chain and Significant Changes in Organizational Value Chain [C.6] [2-6]
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TATA KELOLA KEBERLANJUTAN
04 SUSTAINABILITY GOVERNANCE
Komitmen Penerapan serta Struktur dan Mekanisme Tata Kelola Perusahaan yang Baik
64 Commitment to Implement Good Corporate Governance Structure and Mechanism
Tata Kelola Keberlanjutan dan Penanggung Jawab Pelaksanaan Kinerja Keberlanjutan [E.1] [2-9]
83 Sustainability Governance and Persons Responsible for Implementing Sustainability Performance [E.1] [2-9]
Pengembangan Kompetensi Keberlanjutan Dewan Komisaris, Direksi, dan Unit Kerja Penanggung Jawab Keberlanjutan [E.2]
[2-17]
85 Sustainability Competency Development of the Board of Commissioners, Board of Directors and Work Units Responsible for
Sustainability [E.2] [2-17]
Penilaian Risiko atas Penerapan Keberlanjutan [E.3] [2-23]
87 Risk Assessment of Sustainability Implementation [E.3] [2-23]
Integritas dan Penerapan Etika Bisnis [2-23; 2-24]
92 Integrity and Application of Business Ethics [2-23; 2-24]
Pelibatan Pemangku Kepentingan [E.4] [2-29]
96 Stakeholder Engagement [E.4] [2-29]
Permasalahan terhadap Penerapan Kegiatan Berkelanjutan [E.5]
98 Problems with Implementation of Sustainable Activities [E.5]
Perkara Penting [2-27]
99 Important Issues [2-27]
KINERJA KEBERLANJUTAN
05 SUSTAINABILITY PERFORMANCE
Pengelolaan Aspek Ekonomi
104 Management of Economic Aspect
Pengelolaan Aspek Lingkungan
113 Management of Environmental Aspect
Pengelolaan Aspek Sosial
124 Management of Social Aspect
Verifikasi Tertulis dari Pihak Independen [G.1] [2-5]
144 Written Verification from an Independent Party [G.1] [2-5]
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya [G.3]
147 Response to the Previous Year’s Sustainability Report Feedback [G.3]
Daftar Pengungkapan sesuai Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik [G.4]
148 List of Disclosures in accordance with Financial Services Authority Regulation No. 51/POJK.03/2017 concerning the
Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public Companies [G.4]
Indeks Konten GRI
151 GRI Content Index
Lembar Umpan Balik [G.2]
156 Feedback Sheet [G.2]
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Strategi Keberlanjutan [A.1]
About This Sustainability Report [A.1]
Pengembangan Strategi Development of Sustainability
Keberlanjutan Bank Aladin Syariah Strategy in Bank Aladin Syariah
Kerangka Kerja dan Strategi Keberlanjutan Bank Aladin Syariah
Bank Aladin Syariah Sustainability Framework and Strategy
Strategy
Business Retail Commercial
& SME
Focus: Bank Financing
Act with
Banking Grow with Leave No
Consclence
Responsibility Our People One Behind
for The Planet
Protecting the
Ensuring Integrity and Nurturing Growth and Supporting Environment Through
Resilience Through Well-Being of Our Communities and Reducing our Footprint
Governance and Risk Employees Partners We Work With and Resource
Management Conservation
• Business Ethics & • Employee Rights & • Sustainable Finance & • Environmental
Governance Equal opprtunities Inclusion Footprint
• Risk management • Talent Management & • Community • Energy Management
• Data Security & Privacy Retention Development & • Green Finance
• Customer Relationship Inclusive Groth
• Human Rights
Corporate Culture and Sharia Principles
Main SDGs Supported
Tahun 2021 merupakan langkah awal bagi Bank Aladin Syariah setelah 2021 is the pivotal year for Bank Aladin Syariah after OJK granted a
OJK memberikan izin kepada Bank sebagai bank yang mengedepankan license to the Bank as a bank that prioritizes digital banking services.
layanan perbankan digital. Dengan izin tersebut, Bank secara resmi With this license, Bank officially transformed into the first sharia bank in
bertransformasi menjadi bank syariah pertama di Indonesia yang Indonesia that serves all levels of society and industry players, including
dapat melayani seluruh lapisan masyarakat dan para pelaku industri, the underbanked segment through digital platforms.
termasuk segmen underbanked, melalui platform digital.
Tahun 2021 juga menjadi tonggak yang bersejarah dengan 2021 was also a historic milestone with the formulation of a
diformulasikannya komitmen keberlanjutan, yang terus dikembangkan sustainability commitment, which will continue to be developed over
untuk tahun-tahun selanjutnya. the following years.
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Filosofi keberlanjutan Visi, Misi dan Prinsip Dasar (Core Values)
Sustainability philosophy Vision, Mission and Core Values
“Sebagai bank syariah masa depan, kami percaya akan adanya masa depan • Visi: “Menjadi Bank Syariah Digital Terdepan melalui Inovasi
yang lebih baik. Kami juga meyakini bahwa keberlanjutan merupakan prinsip Berkelanjutan.”
dasar dari cara kami berbisnis. Yang akan kami lakukan tidak hanya sebatas • Misi keberlanjutan: “Membuka akses layanan perbankan syariah
berperilaku secara bertanggung jawab untuk keberlangsungan Bumi sebagai terpercaya untuk seluruh lapisan masyarakat.”
rumah bagi semua, ataupun sebatas pemberian dukungan untuk komunitas • Menjalin kolaborasi berbasis teknologi dengan pelaku industri di
dimana kami berada. Kami juga akan berkolaborasi dengan banyak pihak berbagai sektor.
sehingga memungkinkan adanya transisi yang lebih cepat ke arah masa • Pengembangan produk yang berkesinambungan dengan fokus pada
depan yang berkelanjutan.” kepentingan dan kepuasan pelanggan.
"As a future sharia bank, we believe in a better future. We also believe that • Vision: "Becoming the Leading Digital Sharia Bank through Sustainable
sustainability is a fundamental principle of the way we do business. What Innovation."
we will do is not only limited to behaving responsibly for the sustainability • Sustainability mission: "Opening access to trusted sharia banking
of the Earth as a home for all, or limited to providing support to the services for all levels of society."
communities where we are located. We will also collaborate with many • Establish technology-based collaboration with industry businesses in
parties to enable a faster transition towards a sustainable future.” many sectors.
• Continuous product development with a focus on customer needs and
satisfaction.
Prinsip-prinsip dasar (core values) Bank Aladin Syariah meliputi hal- The basic principles (core values) of Bank Aladin Syariah include the
hal sebagai berikut. following.
Prinsip-prinsip dasar (core values) Bank Aladin Syariah
Basic principles (core values) of Bank Aladin Syariah
Bantu Bangun Tumbuh
Help Build Grow
Tulus membantu baik sesama Aladiner maupun Setiap proses dan produk oleh Bank Aladin Syariah Bank Aladin Syariah menjadi tempat belajar dan
kepada masyarakat. dibangun dengan baik dan berkelanjutan. berkembang bersama.
Sincerely helps both fellow Aladiners and the Every Bank Aladin Syariah process and product is built Bank Aladin Syariah is a place to learn and develop
communities. well and sustainably. together.
Komitmen keberlanjutan juga tercermin pada filosofi sebagai “bank The sustainability commitment is also reflected in the philosophy as
syariah masa depan”, kami percaya akan adanya masa depan yang lebih “sharia bank for the future“, we believe in a better future. We also
baik. Kami juga meyakini bahwa keberlanjutan merupakan prinsip dasar believe that sustainability is a fundamental principle of the how we do
dari cara kami berbisnis. Yang akan kami lakukan tidak hanya sebatas business. What we will do is not only limited to behaving responsibly for
berperilaku secara bertanggung jawab untuk keberlangsungan Bumi the sustainability of the Earth as a home for all, or limited to providing
sebagai rumah bagi semua, ataupun sebatas pemberian dukungan support for the communities where we are located. We will also
untuk komunitas dimana kami berada. Kami juga akan berkolaborasi collaborate with many parties to enable a faster transition towards
dengan banyak pihak sehingga memungkinkan adanya transisi yang a sustainable future. Based on the vision, mission, basic principles
lebih cepat ke arah masa depan yang berkelanjutan. Berdasarkan visi, and philosophy of sustainability above, as well as input submitted
misi, prinsip dasar dan filosofi keberlanjutan di atas, serta masukan- by the Bank’s stakeholders and a review of the implementation of
masukan yang disampaikan oleh para pemangku kepentingan Bank sustainability programs in the previous year, Bank Aladin Syariah
dan kajian terhadap pelaksanaan program-program keberlanjutan di has developed a sustainable financial strategy and framework that
tahun sebelumnya, Bank Aladin Syariah telah menetapkan strategi serves as a guide in carrying out sustainable programs and activities.
dan kerangka kerja keuangan berkelanjutan yang berfungsi sebagai The sustainable finance framework refers to 4 (four) pillars that are
panduan dalam menjalankan program-program dan aktivitas-aktivitas described as follows.
berkelanjutan. Kerangka kerja keuangan berkelanjutan mengacu kepada
4 (empat) pilar yang digambarkan sebagai berikut.
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Pilar 1: Layanan Perbankan secara Bertanggungjawab
Pilar 2: Tumbuh Bersama Karyawan (Grow with Our People)
(Banking Responsibly)
Pillar 2: Grow with Our People
Pillar 1: Banking Responsibly
Melalui pilar ini Bank Aladin Syariah berkomitmen untuk menjunjung tinggi Pilar ini mempertegas tanggung jawab Bank untuk mendukung kepentingan seluruh
integritas dalam melaksanakan kegiatan operasional perbankan serta tangguh karyawan sebagai aset utama Bank. Tujuan dari pilar ini adalah untuk membina
dalam memitigasi berbagai risiko yang dapat mengganggu atau bahkan pengembangan kapasitas sumber daya manusia serta meningkatkan taraf hidup
membahayakan kelangsungan usaha Bank. karyawan.
Aspek-aspek utama di dalam pilar ini adalah Etika Bisnis & Tata Kelola (Business Aspek-aspek utama di dalam pilar ini adalah Hak-hak Karyawan dan Peluang Karier
Ethics & Governance), Manajemen Risiko (Risk Management), Keamanan Data & yang Sama (Employee Rights & Equal Opportunities) dan Pengelolaan Bakat dan
Privasi (Data Security & Privacy), dan Manajemen Hubungan Nasabah (Customer Retensi Karyawan (Talent Management & Retention).
Relationship Management).
This pillar emphasizes the Bank's responsibility to support the interests of all
Through this pillar, Bank Aladin Syariah is committed to upholding integrity in employees as the Bank's main asset. The aim of this pillar is to foster human capital
carrying out banking operational activities and being tough in mitigating risks that capacity development and to improve the standard of living of employees.
could disrupt or even endanger the continuity of the Bank's business.
The main aspects in this pillar are Employee Rights and Equal Career Opportunities
The main aspects in this pillar are Business Ethics & Governance, Risk Management, and Talent Management and Employee Retention.
Data Security & Privacy, and Customer Relationship Management.
Pilar 4: Kesadaran Bertindak untuk Menjaga Kelestarian Bumi
Pilar 3: Tidak Meninggalkan Siapapun (Leave No One Behind)
(Act with Conscience for the Planet)
Pillar 3: Leave No One Behind
Pillar 4: Act with Conscience for the Planet
Dalam pilar ini, Bank Aladin Syariah berkomitmen untuk mendukung dan Pilar ini mengacu kepada komitmen Bank Aladin Syariah untuk menjaga dan
memberikan layanan kepada berbagai lapisan masyarakat, termasuk kelompok- melestarikan lingkungan melalui Pembiayaan pada Kegiatan Usaha yang
kelompok yang dianggap rentan (vulnerable) seperti masyarakat berpendapatan Berwawasan Lingkungan (Environmental Sustainability-linked Financing), Jejak
rendah, UMKM, kaum perempuan, dan kelompok lain yang belum terlayani oleh Lingkungan (Environmental Footprint), dan Pengelolaan Penggunaan Energi (Energy
lembaga keuangan formal secara optimal (underbanked). Aspek-aspek utama dalam Management).
pilar ini adalah Pembiayaan Berkelanjutan (Sustainable Financing), Inklusi Keuangan
(Financial Inclusion), Pengembangan Komunitas dan Pertumbuhan secara Inklusif This pillar refers to Bank Aladin Syariah's commitment to protecting and preserving
(Community Development & Inclusive Growth) dan Komitmen terhadap Prinsip- the environment through financing environmentally sound business activities
prinsip Hak-hak Asasi Manusia (Commitment to Human Rights Principles). (Environmental Sustainability-linked Financing), Environmental Footprint and Energy
Use Management.
In this pillar, Bank Aladin Syariah is committed to supporting and providing services
to many levels of society, including groups that are considered vulnerable such as
low-income communities, MSMEs, women, and other groups that have not been
served optimally by formal financial institutions (underbanked). The main aspects in
this pillar are Sustainable Financing, Financial Inclusion, Community Development &
Inclusive Growth, and Commitment to Human Rights Principles.
Guna mencapai visi dan misi serta mewujudkan komitmen To achieve its vision and mission and realize its sustainability
keberlanjutan dengan cakupan yang luas, sepanjang tahun 2023 Bank commitment with a broad scope, in 2023 Bank Aladin Syariah continued
Aladin Syariah terus berupaya menyusun langkah-langkah maupun to develop appropriate steps and strategies, including:
strategi yang tepat di antaranya:
1. Memperluas cakupan kemitraan dengan Alfamart Group untuk 1. Expanding the scope of the partnership with the Alfamart Group
menggabungkan sistem online dan offline perbankan (omnichannel) to combine online and offline banking systems (omnichannel) to
agar dapat menjangkau berbagai lapisan masyarakat, termasuk reach various levels of society, including segments of society that
segmen masyarakat yang belum mendapatkan layanan perbankan do not receive optimal banking services (underbanked).
secara optimal (underbanked).
2. Terus melakukan pengembangan produk dan/atau jasa Keuangan 2. Continuing to develop Sustainable Finance products and/or
Berkelanjutan dengan meluncurkan layanan Banking as a Service services by launching Banking as a Service (BaaS) services in
(BaaS) melalui kolaborasi dengan mitra-mitra yang sudah ada. collaboration with existing partners.
3. Meningkatkan pembiayaan pada Kegiatan Usaha Berkelanjutan, 3. Increasing financing for Sustainable Business Activities, including
termasuk menginisiasi pembiayaan pada Kegiatan Usaha initiating financing for Environmentally Friendly Business Activities.
Berwawasan Lingkungan.
4. Mengembangkan kapasitas internal dengan mengikuti 4. Developing internal capacity by participating in training, seminar
berbagai pelatihan, lokakaryadan seminar mengenai Keuangan workshops on Sustainable Finance, Integration of Human Rights
Berkelanjutan, Integrasi Prinsip-prinsip Hak Asasi Manusia dalam Principles in Business, and Setting Climate Targets.
Usaha, dan Penetapan Target Iklim.
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5. Memperkuat tata kelola keberlanjutan melalui penyesuaian dan 5. Strengthening sustainability governance by adjusting and refining
penyempurnaan indikator dan target keberlanjutan, Roadmap sustainability indicators and targets, the Sustainability Roadmap,
Keberlanjutan, Kode Etik dan Kode Perilaku, dan Standar Prosedur Code of Ethics and Code of Conduct, and Standard Commercial
Pembiayaan Komersial. Financing Procedures.
6. Melakukan kampanye mengenai isu-isu keberlanjutan, 6. Conducting campaigns on sustainability issues, such as waste
seperti pemilahan dan pemanfaatan limbah, ide liburan yang sorting and usage, sustainable holiday ideas, and other interesting
berkelanjutan, dan topik-topik menarik lainnya kepada pemangku topics to external and internal stakeholders through social media
kepentingan eksternal dan internal melalui media-media sosial and internal communication channels.
dan kanal komunikasi internal.
7. Memantau program-program Tanggung Jawab Sosial dan 7. Monitoring Social and Environmental Responsibility programs
Lingkungan yang sudah berjalan dengan mitra-mitra eksisting, that are already running with existing partners, such as the Green
seperti Program Green Tourism bersama dengan Yayasan Sinar Tourism Program together with Yayasan Sinar Utama Nusantara
Utama Nusantara (SUN), Program Pengumpulan Limbah Botol (SUN), the Plastic Bottle Waste Collection Program in partnership
Plastik yang bermitra dengan Plastic Bank Indonesia, dan Program with Plastic Bank Indonesia, and the Bamboo Planting Program in
Penanaman Rumpun Bambu yang berkolaborasi dengan Yayasan collaboration with the Yayasan Kehati, Forum Komunikasi Direktur
Kehati, Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Kepatuhan Perbankan (FKDKP) and Pusat Pelaporan dan Analisis
dan Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK). Transaksi Keuangan (PPATK). In addition, the Bank is implementing
Selain itu, Bank juga melaksanakan program-program tanggung new social and environmental responsibility programs, such as the
jawab sosial dan lingkungan baru, seperti Program Warteg Free Warteg Program with Alfamart and Heinz ABC, the Scholarship
Gratis dengan Alfamart dan Heinz ABC, Program Beasiswa untuk Program for Employees, and the Blood Donation Program with
Karyawan dan Program Donor Darah bersama Palang Merah the Indonesian Red Cross.
Indonesia.
Untuk mengembangkan bisnisnya, Bank akan terus melanjutkan dan To expand its business, the Bank will continue to deepen the
memperdalam hubungan kemitraan dengan mitra-mitra bisnis yang relationships with existing partners, such as the Alfamart Group,
telah dibangun selama ini, seperti hubungan kemitraan dengan Grup Persib Bandung, and Evermos, in addition to forming new partnerships
Alfamart, Persib Bandung, dan Evermos, selain membangun kemitraan with other industry actors to reach customers more broadly and to
baru dengan berbagai pelaku industri lainnya untuk menjangkau meet the targets of sustainable finance.
nasabah secara lebih luas guna memenuhi target pencapaian keuangan
berkelanjutan.
Selain itu, Bank juga terus membangun dan mengembangkan kemitraan In addition, the Bank will continue to build and develop strategic
strategis dengan lembaga-lembaga yang fokus pada penanganan partnerships with institutions that focus on handling social and
isu-isu sosial dan lingkungan, seperti UN Environment Programme environmental issues, such as the UN Environment Program and UN
dan UN Global Compact. Pendekatan ini sejalan dengan nilai-nilai inti Global Compact. This approach is in line with the Bank’s core values,
Bank, khususnya prinsip nilai Bantu, yang senantiasa terbuka untuk especially the Bantu value principle, which is always open to helping
membantu dan berkolaborasi dengan mitra bisnis guna menciptakan and collaborating with business partners to create a healthy, productive
ekosistem bisnis yang sehat, produktif, dan menguntungkan bagi and profitable business ecosystem for customers. To support the
nasabah. Untuk menopang program-program berkelanjutan, Bank sustainable programs, Bank Aladin Syariah has also determined an
Aladin Syariah juga telah menetapkan pengalokasian sumber daya allocation of resources as stipulated in the Sustainable Finance Action
seperti yang ditetapkan pada Rencana Aksi Keuangan Berkelanjutan Plan that consists of:
yang terdiri dari:
• Sumber Dana • Source of Funds
Bank akan menggunakan dana operasional untuk mendukung The Bank will use operational funds to support activities that include
aktivitas-aktivitas yang mencakup pengembangan produk dan product and service development, Bank’s internal capacity building,
jasa, pengembangan kapasitas internal Bank, penyesuaian organizational adjustments, risk management, governance, and/
organisasi, manajemen risiko, tata kelola, dan/atau standar or standard operational procedures. Meanwhile, the Bank will use
prosedur operasional. Sementara itu, Bank akan menggunakan allocated funds related to social and environmental responsibility
dana alokasi terkait dengan tanggung jawab sosial dan lingkungan amounting to Rp1 billion
sebesar Rp1 miliar.
• Sumber Daya Manusia • Human Capital
Penugasan Head of Sustainability dan Sustainability Champions Assignment of Head of Sustainability and Sustainability Champions
di unit kerja-unit kerjaterkait untuk menerapkan Rencana Aksi in related work units to implement the Sustainable Finance
Keuangan Berkelanjutan, di bawah pengawasan Komite Eksekutif Action Plan, under the supervision of the Sustainability Executive
Keberlanjutan. Committee.
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Korelasi antara strategi dan kerangka kerja keuangan berkelanjutan The correlation between the sustainable finance strategy and
dengan Tujuan Pembangunan Berkelanjutan atau Sustainable framework and the Sustainable Development Goals (SDGs) has been
Development Goals (SDGs) telah disusun serta diselaraskan dengan compiled and aligned with the Bank’s commitment to the Principles
komitmen Bank terhadap Prinsip-prinsip Perbankan secara Bertanggung for Responsible Banking, as shown in the following table.
Jawab (Principles for Responsible Banking) sebagaimana tabel berikut.
Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 10 • 10.1: Secara progresif • Inklusi keuangan. Indikator dan target:
Berkurangnya meningkatkan pendapatan • Pengembangan komunitas dan • Pembiayaan untuk segmen UMKM mencapai 20% dari
Kesenjangan masyarakat berpendapatan pertumbuhan secara inklusif. total baki debet pembiayaan per 31 Desember 2023.
SDG 10 - Reduce rendah dengan tingkat • Hak-hak karyawan dan peluang • Persentase nasabah perorangan dan UMKM yang
Inequalities pertumbuhan di atas rata-rata karir yang sama. menggunakan paling sedikit 2 produk Bank dalam
pertumbuhan nasional di tahun • Hak-hak asasi manusia. kategori berbeda secara aktif: 10% (target sampai
2030. • Pengelolaan bakat dan retensi dengan 31 Desember 2024)
• 10.2: Upaya pemberdayaan dan karyawan. • Persentase nasabah perorangan dan UMKM yang
promosi inklusi terhadap isu-isu • • Financial inclusion. menggunakan produk pendanaan / investasi jangka
sosial, ekonomi, dan politik • • Community development & panjang Bank: 20% (target sampai dengan 31 Desember
yang merata untuk semua, inclusive growth. 2024)
tanpa melihat perbedaan dari • • Equal employee rights & • Persentase nasabah perorangan dan UMKM dengan
sisi umur, jenis kelamin, cacat career opportunities. saldo simpanan minimum sebesar 4 kali dari rata-rata
fisik, suku, ras, agama, dan • • Human rights. biaya konsumsi per kapita di Indonesia untuk memenuhi
status ekonomi dari seseorang. • • Talent management and kebutuhan mendesak: 1% (target sampai dengan 31
• 10.1: Progressively increase employee retention. Desember 2024).
the income of low-income
communities with growth rates Inisiatif keberlanjutan:
above the national average • Meningkatkan pembiayaan untuk segmen UMKM
in 2030. dimana realisasi porsi pembiayaan UMKM mencapai
• 10.2: Efforts to empower and 64% terhadap total baki debet pembiayaan per 31
promote inclusion on social, Desember 2023.
economic and political issues • Melakukan kampanye literasi keuangan secara aktif
that are evenly distributed to melalui kanal-kanal media sosial.
all, regardless of differences in • Menyampaikan materi inklusi keuangan melalui
terms of age, gender, physical Instagram dan kanal Tiktok.
disability, ethnicity, race, • Mengukur dan memantau total engagement dan
religion and economic status of data reach dari kampanye literasi keuangan dan
a person. penyampaian materi inklusi keuangan via sosial media.
• Melakukan pemantauan atas penggunaan produk
dan/atau layanan jasa keuangan yang digunakan oleh
masyarakat.
Indicators and targets:
• Financing for the MSME segment reached 20% of the
total financing debit balance as of December 31, 2023.
• Percentage of individual and MSME customers who
actively use at least 2 Bank products in different
categories: 10% (target by December 31, 2024)
• Percentage of individual and MSME customers who use
the Bank's long-term funding/investment products: 20%
(target by December 31, 2024)
• Percentage of individual and MSME customers with a
minimum savings balance of 4 times the average per
capita consumption cost in Indonesia to meet urgent
needs: 1% (target by December 31, 2024).
Sustainability initiatives:
• Increase financing for the MSME segment where the
realization of the financing portion reaches 64% of the
total financing debit balance as of December 31, 2023.
• Conduct active financial literacy campaigns through
social media channels.
• Deliver financial inclusion material via Instagram and
Tiktok channels.
• Measure and monitor total engagement and reach data
from financial literacy campaigns and deliver financial
inclusion materials via social media.
• Monitor the use of financial products and/or services
used by the public.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 5 • 5.1: Penghapusan segala • Hak-hak karyawan dan peluang Bank Aladin Syariah belum memiliki target khusus dari sisi
Kesetaraan Gender bentuk diskriminasi terhadap karir yang sama. gender. Meskipun demikian, Bank melakukan pengukuran
SDG 5 - Gender Equality) perempuan di seluruh dunia. • Pengelolaan bakat dan retensi dan pemantauan terhadap sejumlah indikator berbasis
• 5.2: Penghapusan segala karyawan. gender yang meliputi:
bentuk kekerasan terhadap • Pengembangan komunitas dan • Komposisi direksi perempuan terhadap total direksi
perempuan, baik di ranah pertumbuhan secara inklusif. perusahaan.
publik maupun pribadi, • Equal employee rights & career • Komposisi karyawan berdasarkan level jabatan dan jenis
termasuk perdagangan opportunities. kelamin.
perempuan dan segala bentuk • Talent management and • Komposisi karyawan perempuan terhadap total
eksploitasi lainnya. employee retention. karyawan.
• 5.5: Kepastian terhadap adanya • Community development & • Komposisi karyawan perempuan pada posisi manajerial
partisipasi secara penuh inclusive growth. terhadap total karyawan yang berada pada posisi yang
maupun peluang yang sama sama.
bagi kaum perempuan sebagai • Rata-rata dan nilai tengah kesenjangan upah gender.
pemimpin di setiap level • Rata-rata dan nilai tengah kesenjangan bonus antara
pembuat kebijakan, khususnya karyawan laki-laki dan perempuan.
di bidang politik, ekonomi, dan • Jumlah nasabah perempuan.
ranah publik
• 5.1: Eliminate all forms of Inisiatif keberlanjutan:
discrimination against women • Mempublikasikan pencapaian dari indikator-indikator di
worldwide. atas secara berkala.
• 5.2: Eliminate all forms of • Bekerjasama dengan Evermos yang memiliki jaringan
violence against women, UMKM yang mayoritas dimiliki oleh perempuan dalam
both in the public and private penyediaan layanan keuangan.
spheres, including trafficking in • Melakukan pelatihan edukasi keuangan terhadap lebih
women and all other forms of dari 100 UMKM perempuan yang menjadi bagian dari
exploitation. ekosistem Alfamind.
• 5.5: Ensure full participation • Melakukan penyempurnaan terhadap Kode Etik dan
and equal opportunities for Kode Perilaku Perusahaan, termasuk pedoman perilaku
women as leaders at every level dalam menciptakan kenyamanan di lingkungan kerja,
of policy making, especially aspek kekerasan seksual, serta prinsip keberlanjutan dan
in the political, economic and hak asasi manusia.
public spheres. • Melakukan sosialisasi internal terkait Kode Etik dan Kode
Perilaku.
Aladin Syariah Bank does not yet have specific targets in
terms of gender. However, the Bank measures and monitors a
number of gender-based indicators including:
• Composition of female directors in total Company
directors.
• Composition of employee based on position level and
gender.
• Composition of female employees to total employees.
• Composition of female employees in managerial
positions compared to total employees in the same
positions.
• The mean and median of the gender pay gap.
• The average and median value of the bonus gap
between male and female employees.
• Number of female customers.
Sustainability initiatives:
• Publish the achievements of the above indicators
regularly.
• Collaborate with Evermos who has a network of MSMEs
providing financial services that are majority owned by
women.
• Conduct financial education training for more than 100
female MSMEs who are part of the Alfamind ecosystem.
• Make improvements to the Company's Code of Ethics
and Code of Conduct, including behavioral guidelines
for creating comfort in the work environment, aspects
of sexual violence, as well as principles of sustainability
and human rights.
• Conduct internal socialization of the Code of Ethics and
Code of Conduct.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 8 • 8.5: Ketersediaan kesempatan • Hak-hak karyawan dan peluang Indikator dan target yang berhubungan dengan pemenuhan
Pekerjaan yang Layak dan kerja secara penuh dan karir yang sama. hak-hak karyawan, serta pengelolaan bakat dan retensi
Pertumbuhan Ekonomi produktif untuk setiap laki-laki • Pengelolaan bakat dan retensi karyawan meliputi:
SDG 8 - Decent Work and dan perempuan, termasuk karyawan. • Dana untuk pengembangan kualitas SDM untuk setiap
Economic Growth mereka yang berada di usia • Equal employee rights & career tahun buku paling sedikit 3,5% dari total realisasi beban
produktif dan orang-orang opportunities. gaji kotor tahun sebelumnya.
dengan cacat fisik, serta • Talent management and
kompensasi yang setara untuk employee retention. Selanjutnya, Bank juga melakukan melakukan pengukuran
jenis pekerjaan dengan nilai dan pemantauan terhadap sejumlah indikator berbasis
yang sama di tahun 2030. gender yang berhubungan dengan aspek sumber daya
• 8.8: Menjaga hak-hak pekerja manusia yang meliputi:
dan mengupayakan lingkungan • Komposisi karyawan berdasarkan level jabatan dan jenis
kerja yang aman dan nyaman kelamin.
bagi seluruh pekerja, termasuk • Komposisi karyawan perempuan terhadap total
pekerja migran, pekerja karyawan.
perempuan, serta mereka yang • Komposisi karyawan perempuan pada posisi manajerial
bekerja dengan kondisi yang terhadap total karyawan yang berada pada posisi yang
dianggap berbahaya sama.
• 8.5: Availability of full and • Rata-rata dan nilai tengah kesenjangan upah gender.
productive employment • Rata-rata dan nilai tengah kesenjangan bonus antara
opportunities for every man karyawan laki-laki dan perempuan.
and woman, including those
of working age and persons Inisiatif keberlanjutan:
with disabilities, and equal • Mempublikasikan pencapaian dari indikator-indikator
compensation for work of equal yang berhubungan dengan pemenuhan hak-hak
value by 2030. karyawan, pengelolaan bakat dan retensi karyawan,
• 8.8: Safeguard workers' rights serta indikator berbasis gender yang berhubungan
and promote a safe and dengan aspek sumber daya manusia secara berkala.
comfortable work environment • Melakukan penyempurnaan terhadap Kode Etik dan
for all workers, including Kode Perilaku Perusahaan, termasuk pedoman perilaku
migrant workers, women dalam menciptakan kenyamanan di lingkungan kerja,
workers, and those working in aspek kekerasan seksual, serta prinsip keberlanjutan dan
conditions deemed hazardous hak asasi manusia.
• Menyelenggarakan berbagai pelatihan untuk
meningkatkan kemampuan dan keahlian karyawan.
Indicators and targets related to fulfilling employee rights,
as well as talent management and employee retention
including:
• Funds for developing the quality of human capital in
each fiscal year of at least 3.5% of the total realized
gross salary expenses for the previous year.
The Bank also measures and monitors a number of gender-
based indicators related to human capital aspects including:
• Employee composition based on position level and
gender.
• Composition of female employees to total employees.
• Composition of female employees in managerial
positions compared to total employees in the same
positions.
• The mean and median gender pay gap.
• The average and median value of the bonus gap
between male and female employees.
Sustainability initiatives:
• Publish the achievements of indicators related to the
fulfillment of employee rights, talent management and
employee retention, as well as gender-based indicators
related to human capital aspects on a regular basis.
• Make improvements to the Company's Code of Ethics
and Code of Conduct, including behavioral guidelines
for creating comfort in the work environment, aspects
of sexual violence, as well as principles of sustainability
and human rights.
• Organizie training to improve employee abilities and
expertise.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 11 • 11.3: Meningkatkan Pengembangan komunitas dan Indikator, target dan inisiatif yang ditetapkan dan dijalankan
Kota dan Komunitas yang urbanisasi secara inklusif pertumbuhan secara inklusif. dalam mencapai TPB 10 juga digunakan dalam mendukung
Berkelanjutan dan berkelanjutan, serta Community development & TPB 11. Selain itu, Bank juga menetapkan target penyaluran
SDG 11 - Sustainable meningkatkan kapasitas kota inclusive growth. dana CSR dan target pembiayaan proyek-proyek hijau untuk
Cities and Communities dalam perencanaan dan setiap tahun buku guna mendukung upaya pengembangan
pengelolaan pemindahan komunitas dan pertumbuhan secara inklusif.
komunitas secara partisipatif,
terintegrasi dan berkelanjutan Inisiatif keberlanjutan:
di seluruh negara di tahun Di samping berbagai inisiatif yang dilakukan oleh Bank
2030. dalam mencapai TPB 10, inisiatif-inisiatif lain yang
• 11.6: Penurunan dampak diimplementasikan sepanjang tahun 2023 terdiri dari:
buruk lingkungan per kapita • Implementasi program-program tanggung jawab sosial
dari urbanisasi, termasuk dan lingkungan yang fokus pada penanganan isu-isu
tingkat kualitas air minum dan sosial, seperti Pelatihan Edukasi Keuangan untuk
pengelolaan limbah di tahun UMKM, Program Warteg Gratis 2023, Program Donor
2030. Darah, dan Program Beasiswa untuk Anak Karyawan.
• 11.3: Promote urbanization in • Melakukan pembiayaan pada proyek hijau dengan total
an inclusive and sustainable baki debet per akhir Desember 2023 mencapai Rp 34,5
manner, and increase miliar.
the capacity of cities for • Melakukan pelatihan mengenai pembiayaan
participatory, integrated and berkelanjutan kepada karyawan pada unit kerja-unit
sustainable planning and kerja terkait.
management of community
resettlement across countries Indicators, targets and initiatives set and implemented to
by 2030. achieve SDG 10 are also used to support SDG 11. In addition,
• 11.6: Reduce per capita the Bank also sets CSR fund distribution targets and green
environmental impacts from project financing targets for each fiscal year to support
urbanization, including levels community development efforts and inclusive growth.
of drinking water quality and
waste management, by 2030. Sustainability initiatives:
In addition to the initiatives undertaken by the Bank to
achieve SDG 10, other initiatives implemented throughout
2023 consisted of:
• Implementation of social and environmental
responsibility programs that focuses on addressing
social issues, such as Financial Education Training for
MSMEs, Free Warteg Program 2023, Blood Donation
Program, and Scholarship Program for Employees'
Children.
• Financing for green projects with a total debit balance as
of the end of December 2023 of Rp34.5 billion.
• Sustainable Financing Training for employees in related
work units.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 13 • 13.1: Memperkuat resiliensi • Jejak lingkungan. Target penyaluran dana CSR dan target pembiayaan proyek-
Penanganan Perubahan dan kapasitas adaptasi • Pengelolaan energi. proyek hijau untuk setiap tahun buku menjadi indikator
Iklim terhadap bencana yang • Environmental footprint. dan target yang dipantau oleh Bank dalam mendukung
SDG 13 - Climate Action disebabkan oleh perubahan • Energy management. pencapaian TPB 13.
iklim dan bencana alam di
seluruh negara. Inisiatif keberlanjutan:
• 13.2: Pengintegrasian langkah- • Pemantauan dan implementasi program-program
langkah mitigasi perubahan tanggung jawab sosial dan lingkungan yang fokus pada
iklim ke dalam kebijakan, penanganan isu-isu lingkungan, seperti Program Green
strategi, dan perencanaan Tourism, Program Pengumpulan Limbah Botol Plastik
nasional. dan Program Penanaman Rumpun Bambu.
• 13.1: Strengthen resilience and • Melakukan pembiayaan pada proyek hijau dengan total
adaptive capacity to disasters baki debet per akhir Desember 2023 mencapai Rp 34,5
caused by climate change and miliar.
natural disasters in all countries. • Melakukan sosialisasi dan kampanye keberlanjutan
• 13.2: Integrate climate change dengan tema pelestarian lingkungan kepada pemangku
mitigation measures into kepentingan.
national policies, strategies • Melakukan rekam dan pemantauan terhadap jejak
and plans. karbon.
• Melakukan carbon offset secara parsial.
• Memilah limbah operasional kantor untuk mengurangi
volume sampah yang dibuang ke landfill.
• Mengurangi penggunaan listrik di lingkungan kantor.
CSR fund distribution targets and green project financing
targets for each fiscal year are indicators and targets
monitored by the Bank to support the achievement of SDG
13.
Sustainability initiatives:
• Monito and implement social and environmental
responsibility programs that focus on addressing
environmental issues, such as the Green Tourism
Program, Plastic Bottle Waste Collection Program and
Bamboo Planting Program.
• Provide financing for green projects with a total debit
balance as of the end of December 2023 of Rp34.5
billion.
• Conduct socialization and sustainability campaigns
to stakeholders with the theme of environmental
conservation.
• Record and monitor carbon footprints.
• Carry out partial carbon offsets.
• Manage operational waste to reduce the volume of
waste that are disposed in landfill.
• Reduce electricity usage in the office environment.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 16 • 16.5: Penurunan tingkat korupsi • Etika bisnis dan tata kelola. Bank melakukan pengukuran dan pemantauan terhadap
Perdamaian, Keadilan, dan suap dalam segala bentuk • Manajemen risiko. sejumlah indikator guna mendukung TPB 16 yang meliputi:
dan Institusi-institusi secara substansial. • Keamanan data dan privasi. • Tingkat Kesehatan Bank, termasuk aspek permodalan
yang Kuat • 16.6: Membentuk institusi- • Business ethics & governance. • Penilaian Profil Risiko
SDG 16 - Peace, Justice institusi yang efektif, akuntabel • Risk management. • Penyelenggaraan pertemuan organ-organ utama
and Strong Institutions dan transparan di setiap level. • Data security & privacy. perusahaan secara berkala sesuai peraturan dan
• 16.7: Memastikan adanya perundangan yang berlaku.
proses pembuatan keputusan • Indikator-indikator berbasis gender secara internal.
yang responsif, inklusif, • Jumlah pelanggaran kode etik dan tindakan korupsi
partisipatif, dan representatif melalui whistleblowing system.
pada setiap level. • Jumlah pelanggaran terhadap privasi data pelanggan,
• 16.5: Substantially reduce levels serta insiden kebocoran. pencurian atau kehilangan data
of corruption and bribery in nasabah.
all forms.
• 16.6: Establish effective, Inisiatif keberlanjutan:
accountable and transparent • Mempublikasikan pencapaian dari indikator-indikator di
institutions at all levels. atas setiap tahun.
• 16.7: Ensure responsive, • Melakukan sosialisasi dan kampanye terkait tindakan
inclusive, participatory and anti korupsi.
representative decision-making • Melakukan sosialisasi internal terkait Kode Etik dan Kode
processes at all levels. Perilaku.
• Melakukan penyempurnaan terhadap Kode Etik dan
Kode Perilaku Perusahaan.
• Melakukan sosialisasi, kampanye dan pelatihan secara
internal terkait keamanan dan privasi data.
• On-site dan off-site monitoring serta pelaporan kepada
regulator secara berkala.
The Bank measures and monitors a number of indicators to
support SDG 16 including:
• Bank Health Level, including capital aspects
• Risk Profile Assessment
• Regular meetings of the Company's main organs in
accordance with applicable rules and regulations.
• Internal gender-based indicators.
• Number of violations of the Code of Ethics and acts of
corruption through the whistleblowing system.
• Number of violations of customer data privacy, as well
as leaks, theft or loss of customer data incidents.
Sustainability initiatives:
• Publish the achievements of the above indicators every
year.
• Carry out socialization and campaign related to anti-
corruption measures.
• Conduct internal socialization on the Code of Ethics and
Code of Conduct.
• Make improvements to the Company's Code of Ethics
and Code of Conduct.
• Conduct internal socialization, campaigns and training
on data security and privacy.
• On-site and off-site monitoring and reporting to
regulators regularly.
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Aspek Keuangan
TPB Target TPB Berkelanjutan Bank Aladin Target dan Inisiatif Keberlanjutan Bank Aladin
SDG SDG Target Bank Aladin's Sustainable Bank Aladin's Sustainability Targets and Initiatives
Finance Aspects
TPB 17 • 17.7: Mengupayakan • Pengelolaan hubungan Bank melakukan pengukuran dan pemantauan terhadap
Kemitraan untuk pengembangan, nasabah. sejumlah indikator guna mendukung TPB 17 yang meliputi:
Mencapai Tujuan pemindahtanganan, diseminasi • Inklusi keuangan. • Indikator-indikator dan target-target yang berhubungan
SDG 17 - Partnerships for dan difusi teknologi-teknologi • Pengembangan komunitas dan dengan inklusi keuangan dan penanganan dampak
the Goals yang ramah lingkungan kepada pertumbuhan secara inklusif. perubahan iklim.
negara-negara berkembang • Hak-hak asasi manusia. • Survei kepuasan pelanggan
melalui termin-termin yang • Customer relationship
menguntungkan, termasuk management. Inisiatif keberlanjutan:
termin- termin yang bersifat • Financial inclusion. • Bersikap proaktif dalam keanggotaan pada berbagai
lunak dan istimewa, sesuai • Community development & asosiasi.
kesepakatan bersama. inclusive growth. • Melanjutkan komitmen keberlanjutan dalam koridor
• 17.8: Pengoperasian secara • Human rights. UN Global Compact dan UN Principles for Responsible
penuh teknologi perbankan Banking.
dan ilmu pengetahuan, serta • Menandatangani rencana kerjasama dengan UN
mekanisme peningkatan ASSIST JP dalam penyempurnaan Sustainable Finance
kapasitas teknologi dan Framework dan Integrasi Taksonomi Hijau Indonesia.
inovasi kepada negara-negara
miskin pada tahun 2017 dan
pengembangan penggunaan
teknologi tepat guna,
khususnya teknologi informasi
dan komunikasi.
• 17.7: Promote the The Bank measures and monitors a number of indicators to
development, transfer, support SDG 17 including:
dissemination and diffusion • Indicators and targets related to financial inclusion and
of environmentally sound addressing the impact of climate change.
technologies • Customer satisfaction surveys
• to developing countries on
favorable terms, including Sustainability initiatives:
concessional and preferential • Proactive membership in various associations.
terms, as mutually agreed. • Continued sustainability commitments in the corridors
17.8: Full operation of banking of the UN Global Compact and UN Principles for
and science technology, Responsible Banking.
as well as mechanisms for • Signed a cooperation plan with UN ASSIST JP to improve
increasing the capacity of the Sustainable Finance Framework and Integration of
technology and innovation for the Indonesian Green Taxonomy.
poor countries by 2017 and
the development of the use
of appropriate technology,
especially information and
communication technology.
Agar fokus dan inisiatif dapat diturunkan dalam sebuah kebijakan yang Bank Aladin Syariah has formulated the Bank Aladin Syariah
sistematis, Bank Aladin Syariah merumuskan Peta Jalan Keberlanjutan Sustainability Roadmap 2022-2026 as a direction for sustainability
Bank Aladin Syariah 2022-2026 sebagai arah pengembangan development in the future so that the focus and initiatives can be
keberlanjutan yang akan dikembangkan ke depan. Disamping translated into a systematic policy. Apart from managing a profitable
pengelolaan bisnis perbankan yang menguntungkan sesuai prinsip banking business in accordance with Sharia principles, one of the major
Syariah, salah satu tujuan besar strategi keberlanjutan Bank Aladin goals in Bank Aladin Syariah’s sustainability strategy is to achieve net
Syariah dapat mewujudkan net zero emissions di tahun 2040 atau zero emissions by 2040 or sooner.
lebih cepat.
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Peta Jalan Keberlanjutan Bank Aladin Syariah 2022-2026
Sustainability Roadmap of Aladin Syariah Bank 2022-2026
2022 2023 2024 2025 2026
Tahap 1: Meletakkan Tahap 2: Pengembangan Tahap 3: Implementasi Tahap 4: Ekspansi Tahap 5: Integrasi
Fondasi/Landasan Kemampuan & Panduan Awal Terbatas Penuh
Stage I: Laying the Stage 2: Capacity Stage 3: Initial Stage 4: Limited Stage 5: Full
Foundation Development & Pilot Implementation Expansion Integration
• Penilaian, desain, dan • Persiapan & • Melanjutkan inisiasi • Perluasan Pembiayaan • Perluasan lebih lanjut pada
perencanaan implementasi Pembiayaan Hijau Hijau portofolio Pembiayaan
• Strategi Taksonomi Hijau • Digitalisasi Taksonomi • Pelatihan penyegaran Hijau
• Tata Kelola & tim • Inisiasi Pembiayaan Hijau *) pada bidang tematik • Penyegaran & pelatihan
• Indikator & penetapan Hijau • Memulai manajemen • Manajemen risiko iklim lanjutan pada bidang
tujuan • Pelatihan pada bidang risiko iklim *) tingkat menengah tematik
• Keamanan staf tematik • Pelatihan tingkat • Mengintegrasikan • Integrasi penuh
keberlanjutan dalam
• Pengambilan data • Komunikasi: internal menengah pada bidang keberlanjutan ke dalam
operasional & bisnis Bank
• Mekanisme & eksternal (termasuk tematik Budaya Perusahaan
( termasuk penerapan
pemantauan pengungkapan) • Komunikasi: internal & • Komunikasi internal &
sistem manajemen energi)
• Kesadaran • Kemitraan strategis eksternal eksternal • Panduan/Pengungkapan
• Emisi Cakupan 1 dan 2 • Penyempurnaan • Pengkajian kerangka • Memulai kerangka percobaan menggunakan
• Assessment, design, kebijakan & prosedur ISSB pelaporan ISSB kerangka pelaporan ISSB
and planning sesuai kebutuhan • Penyempurnaan • Mengembangkan • Pengembangan strategi
• Strategy • Emisi cakupan 1, 2 dan kebijakan & prosedur Kebijakan Manajemen transisi
• Governance & teams 3 (parsial). sesuai kebutuhan Energi • Pengakuan internasional
• Indicator & goal setting • Preparation & • Continued initiation of • Penyempurnaan • Emisi Cakupan 1, 2 & 3
• Staff safety implementation of Green Financing kebijakan & prosedur (termasuk emisi yang
• Data capture Green Taxonomy • Digitization of Green sesuai kebutuhan dibiayai) *)
• Monitoring mechanism • Initiation of Green Taxonomy *) • Expansion of Green • Further expansion of
• Awareness Financing • Initiate climate risk Financing Green Financing portfolio
• Scope 1 and 2 emissions • Training on thematic management *) • Refresher training on • Refresher & advance
areas • Intermediate training on thematic areas training on thematic areas
• Communications: thematic areas • Intermediate climate • Full integration of
internal & external • Communications: risk management sustainability in the Bank’s
operation & business,
(including disclosure) internal & external • Integrate sustainability
including implementation
• Strategic partnerships • Assessment on ISSB into Corporate Culture
of energy mgmt system)
• Refinement of policies framework • Internal & external
• Pilot/trial disclosure using
& procedures as needed • Refinement of policies communications ISSB reporting framework
• Scope 1, 2 and 3 & procedures as needed • Initiate ISSB reporting • Development of transition
(partial) emissions framework strategy
• Develop Energy • International recognition
Management Policy • Scope 1, 2 & 3
• Refinement of policies emissions (incl. financed
& procedures as needed emissions) *)
Net Zero Emissions by 2040 or sooner
Membangun Budaya Building a Culture of Sustainability [F.1]
Keberlanjutan [F.1]
Salah satu strategi penting dalam mengembangkan keberlanjutan One important strategy in developing sustainability includes efforts
adalah upaya meningkatkan kesadaran seluruh pemangku kepentingan, to increase awareness of all internal and external stakeholders on
baik internal maupun eksternal, akan pentingnya keberlanjutan dalam the importance of sustainability in the business developed by the
bisnis yang dikembangkan Perseroan. Bank Aladin Syariah secara Company. Bank Aladin Syariah continuously carries out socialization
berkesinambungan melakukan sosialisasi mengenai keberlanjutan on sustainability to all employees, and is active in initiatives to help
kepada seluruh karyawan, aktif dalam berbagai inisiatif untuk overcome social and environmental issues, such as managing waste in
membantu mengatasi isu-isu sosial dan lingkungan, seperti mengelola the office environment, participating in CSR programs, and calculating
limbah di lingkungan kantor, partisipasi di dalam berbagai program direct and indirect emissions including employee mobility, as well as
CSR dan menghitung direct dan indirect emissions termasuk mobilitas communicating sustainability programs internally. The Bank has also
karyawan, serta mengkomunikasikan program-program keberlanjutan established a Sustainability Champions team, with representatives from
di lingkungan internal. Selain itu, Bank juga telah membentuk tim each department to internalize the Company’s values and sustainability
Sustainability Champions yang diwakili oleh masing-masing departemen principles on an ongoing basis.
untuk menginternalisasikan nilai-nilai Perusahaan dan prinsip-prinsip
keberlanjutan secara berkelanjutan.
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Ikhtisar Kinerja
Keberlanjutan
Sustainability Performance Highlights
Pencapaian keberlanjutan
menjadi cerminan dari upaya
Bank Aladin Syariah dalam
mewujudkan visi dan misinya.
Achieving sustainability reflects
Bank Aladin Syariah’s efforts to realize
its vision and mission.
Laporan Berkelanjutan 2023
01
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Ikhtisar Keberlanjutan
Sustainability Overview
Kinerja Ekonomi [B.1] Economic Performance [B.1]
Kenaikan (Penurunan)
2022-2023
Perihal Satuan
2023 2022 2021 Increase (Decrease)
Subject Unit
2022-2023
(%)
OPERASI DAN KEUANGAN
Operations and Finance
Jenis produk/jasa yang disediakan Unit 12 9 - 33,33
Type of products/services provided
Pendapatan operasional bank Rp-juta 334.502 81.755 36.111 309,15
Bank operating income Rp-million
Laba bersih bank Rp-juta (226.738) (264.913) (121.275) (14,41)
Bank net profit Rp-million
PRODUK KEBERLANJUTAN
Sustainability Products
Jenis produk yang memenuhi kriteria kegiatan usaha berkelanjutan Unit 2 2 - -
(KKUB)
Type of products that meet the criteria of the Sustainable Business
Activity Category (KKUB)
Nilai outstanding produk dan/atau jasa yang memenuhi Kriteria Rp-miliar 2.028,25 1.284,93 - 57,85
Kegiatan Usaha Berkelanjutan (KKUB) Rp-billion
Outstanding 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 (%):
Penghimpunan Dana % 13,87 - - -
Third Party Funds
Penyaluran Dana % 65,38 93,32 - (27,94)
Financing Disbursement
PENGEMBANGAN KEUANGAN YANG INKLUSIF
Inclusive Financial Development
PERKEMBANGAN LAKU PANDAI:
Laku Pandai Development:
Jumlah Agen Agen - - - -
Total Agents Agent
Nilai outstanding produk dan/atau jasa yang disediakan oleh Agen Rp-juta - - - -
The outstanding value of products and/or services provided by the Rp-million
Agent
PELIBATAN MASYARAKAT DALAM RANTAI PASOKAN
Community Involvement in Supply Chains
Pihak lokal yang dilibatkan dalam proses bisnis keuangan berkelanjutan Perusahaan / 3 2 - 50,00
Local parties involved in sustainable financial business processes mitra
Companies /
Partners
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Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights 27
Kinerja Lingkungan [B.2] Environmental Performance [B.2]
Kenaikan (Penurunan) 2022-2023
Perihal Satuan
2023 2022 2021 Increase (Decrease) 2022-2023
Subject Unit
(%)
Penggunaan BBM Liter 24.774 11.045 912 124,30
Fuel Usage
Gigajoule 829,85 371,13 31,19 124,30
Penggunaan Listrik kWh 266.113 258.607 151.017 2,90
Electricity Usage
Gigajoule 958,01 930,99 543,66 2,90
Jumlah Emisi Gas Rumah Kaca (GRK) tCO2eq 434,96 376,30 118,71 15,59
Total Greenhouse Gas (GHG) Emissions
Biaya Lingkungan Rp-juta 212,1 440,47 68,75 (51,80)
Environmental Costs Rp-million
Kinerja Sosial [B.3] Social Performance [B.3]
Kenaikan (Penurunan) 2022-2023
Perihal Satuan
2023 2022 2021 Increase (Decrease) 2022-2023
Subject Unit
(%)
PENGELOLAAN KEPEGAWAIAN
Personnel Management
JUMLAH PEGAWAI
Total employees
Laki-laki Orang 186 165 133 12,73
Male People
Perempuan Orang 105 91 66 15,38
Female People
Jumlah Keseluruhan Orang 291 256 199 13,67
Overall Total People
PENGURUS BANK BERDASARKAN JENIS KELAMIN
Composition of Board of Commissioners and Board of Directors based on Gender
Laki-laki Orang 3 3 5 -
Male People
Perempuan Orang 4 4 3 -
Female People
Proporsi tenaga kerja lokal/masyarakat % 99,65 99,61 99,61 0,04
setempat
Proportion of local workforce/local
community
Biaya pengembangan kompetensi Rp-juta 5.754 2.481 819 131,92
pegawai Rp-million
Competency development costs
Rata-rata jam pelatihan pegawai wanita jam/tahun 7,4 23,47 N/A (68,47)
Average training hours for female hours/year
employees
Rata-rata jam pelatihan pegawai pria jam/tahun 6,9 21,24 N/A (67,51)
Average training hours for male hours/year
employees
SOSIAL KEMASYARAKATAN
Social Community
Jumlah Dana Kegiatan CSR Rp-juta 251 422 550 (40,52)
Total CSR Funds Rp-million
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Penjelasan
Direksi
Board of Directors Explanation
Komitmen Bank Aladin Syariah untuk
mengembangkan bisnis perbankan
yang berkelanjutan harus diikuti dengan
kesadaran seluruh insan tentang
pentingnya perwujudan keberlanjutan.
Bank Aladin Syariah’s commitment to developing
a sustainable banking business must be followed
by awareness of
all people about the importance of
realizing sustainability.
02
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30
Penjelasan Direksi [D.1] [2-22]
Explanation from the Board of Directors [D.1] [2-22]
Kontribusi Bank
Aladin Syariah
dalam keberlanjutan
diwujudkan melalui
kemudahan intermediasi
perbankan syariah
berbasis digital,
penerapan tata kelola
bank, pemantauan
lingkungan, serta upaya
pemenuhan prinsip Hak
Asasi Manusia (HAM).
Bank Aladin Syariah’s
contribution to sustainability
is realized through
the ease of its digital-
based sharia banking
intermediation, the Bank’s
governance implementation,
environmental monitoring,
and its efforts to apply
Dyota Mahottama Marsudi Human Rights principles
Presiden Direktur
(HAM).
President Director
Assalamualaikum Warahmatullahi
Wabarakatuh
Para Pemangku Kepentingan To Our Respected Stakeholders,
yang Kami Hormati,
Perubahan iklim telah menimbulkan berbagai dampak negatif di dunia, Climate change has resulted in negative impacts in the world, including
termasuk Indonesia. Menurut Bank Dunia, dalam 5 (lima) tahun terakhir Indonesia. According to the World Bank, over the last 5 (five) years
Indonesia telah mengalami peningkatan frekuensi bencana alam yang Indonesia has experienced an increase in the frequency of natural
sebagian besar disebabkan oleh adanya perubahan iklim, dengan tren disasters, most of which are caused by climate change, with future
ke depan yang akan terus meningkat. Fenomena El Nino yang semakin trends continuing to increase. The El Nino phenomenon that is
kerap terjadi diperkirakan akan menyebabkan bencana kekeringan occurring more frequently, is predicted to cause increasingly prolonged
yang makin panjang sekaligus meningkatkan risiko terjadinya drought as well as the risk of forest fires. This condition will have a
kebakaran hutan. Kondisi ini akan berdampak langsung terhadap direct impact on Indonesia’s growth, where Indonesia’s Gross Domestic
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Penjelasan Direksi
Board of Directors Explanation 31
pertumbuhan Indonesia, dimana Produk Domestik Bruto (PDB) Product (GDP) is projected to decline by 2.5% by 2045 if Indonesia
Indonesia diproyeksikan mengalami penurunan sebesar 2,5% pada does not immediately adopt adaptive measures to the climate change
tahun 2045 apabila Indonesia tidak segera mengadopsi langkah-langkah phenomenon. Climate change will also have a negative impact on
adaptif terhadap fenomena perubahan iklim. Selain itu, perubahan worker productivity level, and the International Labor Organization
iklim juga akan berdampak negatif terhadap tingkat produktivitas (ILO) predicts that the total working hours of Indonesian workers will
pekerja. International Labour Organization (ILO) memprediksi bahwa decrease by 2.97% by 2030 due to diseases caused by increased levels
total jam kerja dari para pekerja Indonesia akan berkurang sebanyak of heat (heat stress).
2,97% pada tahun 2030 akibat berbagai penyakit yang disebabkan
oleh tingkat panas yang meningkat (heat stress).
Dampak perubahan iklim juga dipastikan akan mengganggu Climate change impact will also certainly disrupt the survival of all
kelangsungan hidup seluruh masyarakat, khususnya Masyarakat communities, especially low-income communities (LIC). LIC and
Berpendapatan Rendah (MBR). Kelompok MBR dan rentan yang vulnerable groups whose source of income largely depend on the
sebagian besar mata pencahariannya bergantung kepada sektor agricultural sector and who live in disaster-prone areas generally do not
pertanian dan tinggal di daerah-daerah rawan bencana umumnya have sufficient capacity to adapt to phenomena arising from climate
tidak memiliki kemampuan yang cukup untuk beradaptasi terhadap change. Also, these groups do not have access to sufficient services
berbagai fenomena yang timbul akibat perubahan iklim. Selain itu, and finances to protect their properties in the event of a disaster.
kelompok ini juga tidak memiliki akses layanan dan keuangan yang
cukup untuk melindungi harta benda mereka di saat terjadi bencana.
Selain dampak perubahan iklim, industri perbankan juga akan Other than the impact of climate change, the banking industry will
dihadapkan oleh adanya berbagai tantangan lain dari sisi makro, also be faced with other challenges from the macro side, including
antaranya adalah adanya perubahan kerangka kerja pelaporan the rapid changes to the global sustainability reporting framework,
keberlanjutan secara global yang cukup cepat, penerapan pengelolaan the implementation of risk management related to climate change,
risiko-risiko yang terkait perubahan iklim serta kebijakan dan peraturan as well as new sustainable finance policies and regulations issued by
baru yang dikeluarkan oleh regulator terkait penerapan keuangan regulators.
berkelanjutan.
Pelaku industri jasa keuangan, termasuk bank komersial, sepatutnya Financial services industry actors, including commercial banks, should
memiliki kewajiban moral dan kepentingan bisnis untuk secara have a moral obligation and business interest in proactively contributing
proaktif berkontribusi dalam mengatasi dampak perubahan iklim. to overcoming the impact of climate change. Commercial banks can
Bank komersial dapat memulai dan meningkatkan porsi pembiayaan initiate and increase a portion of their financing to environmentally
terhadap proyek-proyek yang ramah lingkungan, serta membantu friendly projects, as well as assist customers in transitioning to a
nasabah dalam bertransisi menuju ekonomi rendah karbon ataupun low-carbon economy, or adapting to climate change. Banks can also
beradaptasi terhadap perubahan iklim. Selain itu, bank juga dapat help low-income and vulnerable communities by providing access to
membantu masyarakat berpendapatan rendah dan rentan dalam sufficient services and finance to protect their livelihoods in the event
memberikan akses layanan dan keuangan yang cukup untuk melindungi of a disaster. Banks are also expected to continue to increase their
penghidupan mereka di saat terjadi bencana. Bank juga diharapkan capacity and capabilities so that they can face macro challenges that
dapat terus meningkatkan kapasitas dan kemampuannya sehingga continue to develop.
mampu menghadapi tantangan-tantangan dari sisi makro yang terus
berkembang.
Kebijakan Merespon Tantangan Policies for Responding to Challenges
Sebagai bank syariah masa depan, Bank Aladin Syariah percaya akan As a sharia bank for the future, Bank Aladin Syariah believes in a better
adanya masa depan yang lebih baik. Kami memiliki aspirasi untuk future, and we have aspirations to grow together with the communities
dapat tumbuh bersama-bersama dengan masyarakat dimana kami where we operate. The impact of climate change at an increasingly
beroperasi. Dampak perubahan iklim dengan tingkat dan frekuensi high level and frequency will certainly disrupt community viability
yang makin tinggi tentunya akan mengganggu keberlangsungan and the Bank’s business continuity, and therefore we are committed
hidup masyarakat dan kelangsungan usaha Bank, dan oleh karenanya to continuing to integrate sustainability principles into the Bank’s
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kami berkomitmen untuk terus mengintegrasikan prinsip-prinsip operational activities to help customers and communities in mitigation
keberlanjutan dalam kegiatan operasional Bank agar dapat membantu or adaptation projects against the impact of climate change, and to
nasabah dan masyarakat dalam proyek-proyek mitigasi atau adaptasi support inclusive growth, to achieve sustainable growth in the future.
terhadap dampak perubahan iklim serta mendukung pertumbuhan
yang inklusif, guna mencapai pertumbuhan yang berkelanjutan di
masa depan.
Terkait hal ini, Bank Aladin Syariah terus mengintegrasikan prinsip- In this regard, Bank Aladin Syariah continues to integrate sustainability
prinsip keberlanjutan ke dalam seluruh lini operasional dan principles into all operational lines and has instigated sustainability
melaksanakan berbagai program keberlanjutan sesuai dengan visi dan programs in line with its vision and mission, values, Strategy Framework
misi, nilai-nilai, Kerangka Kerja Strategi dan Roadmap Keberlanjutan and Sustainability Roadmap for the period 2022-2026, as well as Bank
periode 2022-2026, serta ambisi Bank Aladin Syariah menuju net zero Aladin Syariah’s drive for net zero emissions by 2040 or sooner. We
emissions pada tahun 2040 atau lebih cepat. Kami juga berkomitmen are also committed to continuing to improve the application of Good
untuk terus menyempurnakan penerapan prinsip-prinsip Tata Kelola Corporate Governance (GCG) principles, to create an effective, fair and
Perusahaan yang Baik, atau Good Corporate Governance (GCG), agar transparent decision-making process that will increase stakeholder
dapat menciptakan proses pengambilan keputusan yang efektif, adil trust. Bank Aladin Syariah also strives to improve its capabilities so
dan transparan sehingga dapat meningkatkan kepercayaan para that it can adapt to the many changes and very rapid developments
pemangku kepentingan. Bank Aladin Syariah juga berupaya untuk in sustainability aspects globally.
meningkatkan kemampuan agar dapat beradaptasi dalam menghadapi
berbagai perubahan dan perkembangan yang sangat cepat pada aspek
keberlanjutan secara global.
Berbagai kebijakan dan inisiatif Bank terkait keuangan berkelanjutan The Bank’s policies and initiatives related to sustainable finance and
dan penerapan prinsip-prinsip keberlanjutan pada tahun 2023 meliputi: the application of sustainability principles in 2023 include:
• Pengkajian dan penyesuaian terhadap strategi keberlanjutan • Reviewing and adjusting the sustainability strategy based on input
berdasarkan masukan dari para pemangku kepentingan agar from stakeholders so that it is in line with the Bank’s internal
selaras dengan kondisi internal Bank, dukungan Bank terhadap conditions, the Bank’s support for achieving the Sustainable
pencapaian Tujuan Pembangunan Berkelanjutan (TPB) atau Development Goals (SDGs), the regulators’ sustainable finance
Sustainability Development Goals (SDGs), kebijakan regulator policies, and changes in the global sustainability reporting
terkait penerapan keuangan berkelanjutan, dan perubahan pada framework.
kerangka kerja pelaporan keberlanjutan secara global.
• Penyempurnaan Kode Etik dan Pedoman Perilaku dengan • Enhancing the Code of Ethics and Code of Conduct by strengthening
mempertegas komitmen terhadap penerapan prinsip-prinsip hak- the commitment to applying the human rights principles, anti-
hak asasi manusia, anti diskriminasi dan saling menghargai dalam discrimination and mutual respect in the workplace, sanctions
lingkungan kerja, sanksi terhadap tindakan kekerasan seksual, against acts of sexual violence, data protection and security,
proteksi dan keamanan data, pelestarian lingkungan, dan sistem environmental preservation, and a system for reporting violations
pelaporan pelanggaran atau whistleblowing system. called the whistleblowing system.
• Menginisiasi pembiayaan hijau (green financing) dan meningkatkan • Initiating green financing and increasing the volume of financing
volume pembiayaan kepada sektor UMKM. for the MSME sector.
• Melakukan reorganisasi pada unit Sustainability dengan tujuan • Reorganizing the Sustainability unit with the aim of optimizing and
untuk mengoptimalisasi dan menyelaraskan fungsi keberlanjutan aligning the sustainability function with Bank communications.
dengan komunikasi Bank.
• Menetapkan dan memantau indikator-indikator keberlanjutan • Establishing and monitoring additional sustainability indicators
tambahan terkait dengan inklusi keuangan dan aspek lingkungan, related to financial inclusion and environmental aspects, in addition
selain dari indikator-indikator yang sudah dipublikasikan to previously published indicators, in line with our commitment
sebelumnya, sesuai dengan komitmen kami terhadap Principles to the Principles for Responsible Banking (PRB) and the UN Global
for Responsible Banking (PRB) dan UN Global Compact. Compact.
• Melanjutkan penerapan flexible working arrangement dimana • Continuing to implement flexible working arrangements where
karyawan non kritikal dapat bekerja di luar kantor selama 3 (tiga) non-critical employees can work outside the office for 3 (three)
hari kerja dalam seminggu. working days a week.
• Meluncurkan kampanye tentang penerapan gaya hidup • Launching a campaign for sustainable lifestyle practices in the
berkelanjutan untuk lingkungan internal dan eksternal Bank melalui Bank’s internal and external environment through internal media
media internal dan media sosial. and social media.
• Menyediakan fasilitas mobil listrik bagi manajemen senior. • Providing electric car facilities for senior management.
• Melanjutkan kerja sama dengan Rekosistem dalam melakukan • Continuing collaboration with Rekosistem in carrying out
pengelolaan limbah operasional guna mengurangi timbunan operational waste management to reduce the amount of waste
sampah yang dibuang ke Tempat Pembuangan Akhir (TPA). disposed at the Final Disposal Site (TPA).
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Penjelasan Direksi
Board of Directors Explanation 33
• Melanjutkan pengukuran terhadap jejak emisi karbon yang masuk • Continuing to measure the carbon emission footprint included in
dalam cakupan 1, cakupan 2 dan sebagian cakupan 3 yang berasal scope 1, scope 2 and part of scope 3 originating from electricity
dari penggunaan listrik oleh pemasok data center, mobilitas used by data center suppliers, employee mobility and business
karyawan dan perjalanan dinas. travel.
• Menyelenggarakan lokakarya mengenai keuangan berkelanjutan • Organizing workshops on sustainable finance for the Board of
yang diikuti oleh Dewan Komisaris dan Direksi. Commissioners and Board of Directors.
• Menyelenggarakan pelatihan lanjutan terkait keuangan • Organizing intermediate level of training on sustainable finance for
berkelanjutan kepada unit-unit kerja terkait, dan mengikuti Business related work units, and participating in the Business and Human
and Human Rights Accelerator Program yang diselenggarakan Rights Accelerator Program organized by the UN Global Compact
oleh UN Global Compact (UNGC) dan Climate Targets Setting (UNGC) and the Climate Targets Setting Foundations Workshop
Foundations Workshop yang diselenggarakan oleh UN Environment organized by the UN Environment Programme Finance Initiative
Programme Finance Initiative (UNEP FI). (UNEP FI).
• Melakukan kerja sama dengan UN Environment Programme • Collaborating with the UN Environment Programme Finance
Finance Initiative (UNEP FI) di dalam koridor kerja sama bantuan Initiative (UNEP FI) under the UN ASSIST JP Program technical
teknis UN ASSIST JP Programme untuk mengintegrasikan assistance cooperation corridor to integrate the Indonesian Green
Taksonomi Hijau Indonesia (THI) dalam proses internal Bank. Taxonomy (THI) into the Bank’s internal processes.
• Mendukung berbagai program/inisiatif keberlanjutan yang • Supporting sustainability programs/initiatives that contribute
memberikan dampak sosial/lingkungan yang positif kepada to a positive social/environmental impact on the communities.
masyarakat.
• Mengkaji dan mempersiapkan penerapan pengelolaan manajemen • Reviewing and preparing the implementation of risk management
risiko terkait dampak perubahan iklim. related to the impact of climate change.
Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance
Tahun 2023 merupakan tahun yang bersejarah bagi Bank Aladin Syariah, 2023 was a historic year for Bank Aladin Syariah, where we recorded
dimana di tahun tersebut kami mencatat pencapaian penting dalam important achievements in supporting the transition to a green
mendukung transisi menuju ekonomi hijau dan inklusi keuangan economy and financial inclusion launched by the Indonesian
yang dicanangkan oleh Pemerintah Indonesia. Pada tahun ini Government. During the year, Bank Aladin Syariah started financing
Bank Aladin Syariah memulai pembiayaan kepada Kegiatan Usaha Environmentally Friendly Business Activities (KUBL) with the total
Berwawasan Lingkungan (KUBL) dengan total baki debet pembiayaan green financing debit balances as of December 31, 2023 reaching
hijau per 31 Desember 2023 sebesar Rp34,5 miliar. Pencapaian ini Rp34.5 billion. This achievement far exceeded the target set in the
jauh melampaui target yang telah ditetapkan pada Rencana Aksi 2023 Sustainable Financial Action Plan (SFAP), where the Bank targeted
Keuangan Berkelanjutan (RAKB) tahun 2023 dimana Bank sebelumnya financing of Rp2 billion. In addition, financing to the MSME segment
menargetkan total baki debet Pembiayaan KUBL sebesar Rp2 miliar. exceeded the minimum MSME financing target of 20% of the total
Selain itu, pembiayaan pada segmen UMKM juga melampaui target financing portfolio, where the total outstanding for MSME financing
minimum pembiayaan UMKM sebesar 20% dari total portofolio reached Rp1.99 trillion, an increase of 55.5% YoY, with a contribution
pembiayaan, dimana total baki debet pembiayaan UMKM mencapai of 64.2%. Overall, financing for Sustainable Business Activities in 2023
Rp1,99 triliun atau tumbuh sebesar 55,5% YoY, dengan kontribusi reached Rp2.03 trillion and contributed 65.4% to the total financing
sebesar 64,2%. Secara keseluruhan, pembiayaan pada Kegiatan Usaha outstanding.
Berkelanjutan di tahun 2023 mencapai Rp2,03 triliun dengan kontribusi
sebesar 65,4% terhadap total baki debet pembiayaan.
Pembiayaan pada KUBL sepenuhnya disalurkan ke debitur yang KUBL financing was provided to a client who is involved in pollution
berkecimpung pada usaha pencegahan dan pengendalian polusi. prevention and control business. This financing is carried out using a
Pembiayaan ini dilakukan dengan menggunakan skema produk modal sharia-based working capital product scheme to support the client’s
kerja berbasis syariah guna mendukung kegiatan operasional debitur operational activities for commercial waste management, thereby
dalam pengelolaan limbah komersial, sehingga dapat mencegah enabling the client to prevent pollution that can potentially to damage
terjadinya pencemaran yang berpotensi merusak lingkungan. the environment.
Dalam hal inklusi keuangan, kami terus meningkatkan porsi pembiayaan In terms of financial inclusion, we continued to increase our portion
pada segmen UMKM melalui perluasan kerja sama dengan Alfamart of financing in the MSME segment by expanding cooperation with the
Group dan mitra-mitra lain yang memiliki ekosistem UMKM yang besar, Alfamart Group and other partners who have a large MSME ecosystem,
seperti PT Permodalan Nasional Madani (“PNM”) yang merupakan such as PT Permodalan Nasional Madani (“PNM”), which is part of the
bagian dari kelompok usaha PT Bank Rakyat Indonesia (Persero) Tbk. PT Bank Rakyat Indonesia (Persero) Tbk business group. Collaboration
Kerja sama dengan Alfamart Group dilakukan dengan membiayai with the Alfamart Group was carried out by financing small-medium
para pelaku usaha skala kecil-menengah guna memperkuat dan scale businesses to strengthen and improve their business relationships
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meningkatkan hubungan usaha mereka dengan Alfamart Group. with the Alfamart Group. Working capital financing was provided to
Pembiayaan modal kerja diberikan kepada para pemasok dan suppliers and contractors who have been supporting the Alfamart
kontraktor yang telah mendapatkan pekerjaan dari Alfamart Group. Group. Meanwhile, financing to PNM was provided in the form of
Sementara itu, pembiayaan kepada PNM dilakukan untuk mendukung working capital to support businesses owned by underprivileged
modal kerja bagi usaha yang dimiliki oleh perempuan pra sejahtera women through the Prosperous Family Economic Development
melalui program Membina Ekonomi Keluarga Sejahtera (Mekaar), agar (Mekaar) program, so they can improve the welfare of their families.
mereka dapat meningkatkan kesejahteraan keluarganya.
Dari sisi pendanaan, produk-produk tabungan kami telah digunakan In terms of funding, our savings product has been used by the targeted
oleh segmen-segmen yang selama ini belum terlayani dengan baik. segments that to this date had not been served well. In 2023, there
Pada tahun 2023, terdapat sebanyak 1,5 juta nasabah perempuan were 1.5 million female customers, and 2.96 million customers
dan 2,96 juta nasabah yang dikategorikan sebagai masyarakat categorized as low-income community who enjoyed the facilities
berpendapatan rendah yang telah menikmati fasilitas-fasilitas yang offered by Bank Aladin Syariah’s savings products.
ditawarkan oleh berbagai produk simpanan Bank Aladin Syariah.
Bank Aladin Syariah patut berbangga untuk melaporkan adanya Bank Aladin Syariah is proud to report the estimated positive impact
perkiraan dampak positif dari aktivitas pembiayaan yang telah of our financing activities, particularly in relation to financing the SME
dilakukan, khususnya terkait dengan pembiayaan ke sektor UKM. sector. By referring to the methodology used by the International
Mengacu kepada metodologi yang digunakan oleh International Finance Corporation in their 2021 study “Small Business, Big Growth:
Finance Corporation dalam studi “Small Business, Big Growth: How How Investing in SMEs Create Jobs”, we estimate that financing provided
Investing in SMEs Create Jobs” pada tahun 2021, kami memperkirakan to SME customers throughout 2023 has created approximately 2,041
bahwa pembiayaan yang dilakukan kepada nasabah UKM sepanjang additional new jobs.
tahun 2023 telah menciptakan lebih kurang 2.041 tambahan lapangan
kerja baru.
Kami terus melakukan pengawasan dan menjaga agar setiap We continue to monitor all financing provided to ensure it is in line with
pembiayaan yang diberikan telah sejalan dengan prinsip-prinsip sustainability and sharia principles. This is stated in the current policies,
keberlanjutan dan syariah. Hal ini tertuang dalam berbagai kebijakan which include exclusion lists, environmental document requirements
yang berlaku saat ini, diantaranya pemberlakuan exclusion list dan and Environmental Impact Analysis (AMDAL) assessments for sectors
persyaratan dokumen lingkungan dan kajian Analisis Mengenai Dampak that have high social and environmental risks.
Lingkungan (AMDAL) untuk sektor-sektor yang memiliki risiko sosial
dan lingkungan yang tinggi.
Pada tahun 2023 Bank Aladin Syariah menandatangani Surat In 2023 Bank Aladin Syariah signed a Letter of Agreement to collaborate
Kesepakatan untuk bekerja sama dengan UNEP FI di dalam koridor with UNEP FI under the UN ASSIST JP Program technical assistance
kerja sama bantuan teknis UN ASSIST JP Programme. Kerja sama ini cooperation corridor. This collaboration is expected to help integrate
diharapkan dapat membantu mengintegrasikan Taksonomi Hijau the Indonesian Green Taxonomy (THI) into the Bank’s internal processes
Indonesia (THI) dalam proses internal Bank sehingga kami dapat so that we can classify, report and monitor all financing to customers
mengklasifikasikan, melaporkan dan memonitor setiap pembiayaan based on the Indonesian Green Taxonomy version 1.0 issued by OJK.
kepada nasabah berdasarkan Taksonomi Hijau Indonesia versi 1.0 This will be carried out while still paying attention to customer security
yang dikeluarkan oleh OJK. Hal ini tentunya dilakukan dengan tetap and convenience (good customer experience).
memperhatikan keamanan dan kenyamanan nasabah (good customer
experience).
Perjalanan Keberlanjutan Sustainability Journey
Bank Aladin Syariah telah mengkaji dan menetapkan kerangka kerja Bank Aladin Syariah has reviewed and established a sustainability
strategi keberlanjutan, serta menyesuaikan roadmap keberlanjutan. strategy framework, as well as adjusted its sustainability roadmap.
Penyesuaian ini didasarkan atas berbagai masukan dari para pemangku These adjustments were based on input from stakeholders, the Bank’s
kepentingan, kondisi internal Bank, upaya pencapaian TPB, kebijakan internal conditions, efforts to achieve the SDGs, Indonesian Government
Pemerintah Indonesia terkait komitmen keberlanjutan, peraturan policies concerning sustainability commitments, regulations related
terkait keuangan berkelanjutan dan tantangan-tantangan lain yang to sustainable finance and other challenges that have arisen or will
muncul maupun akan muncul di masa mendatang. Kami juga telah arise in the future. Through a series of transition plans, we have also
mempublikasikan aspirasi untuk dapat mewujudkan net zero emission published our aspirations to achieve net zero emissions by 2040 or
pada tahun 2040 atau lebih cepat, dengan serangkaian rencana transisi sooner. The transition plans to be carried out until 2026 include:
menuju aspirasi tersebut. Beberapa rencana transisi yang akan kami
lakukan hingga tahun 2026 di antaranya meliputi:
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Penjelasan Direksi
Board of Directors Explanation 35
1. Memperkuat kapasitas dalam mengelola risiko-risiko yang 1. Strengthening our capacity to manage risks related to climate change.
berhubungan dengan perubahan iklim.
2. Memperkuat kapasitas dalam menetapkan target penurunan emisi 2. Strengthening our capacity by setting emission reduction targets
serta mengukur penurunan emisi sesuai pendekatan berbasis and measuring emission reductions using a science-based approach,
sains (science-based), termasuk pengukuran terhadap emisi dari including measuring emissions from our financed customers.
nasabah yang dibiayai (financed emission).
3. Kajian terhadap kerangka kerja pelaporan keberlanjutan global, 3. Reviewing the global sustainability reporting frameworks, including
termasuk kerangka kerja ISSB (IFRS S1 dan IFRS S2). the ISSB framework (IFRS S1 and IFRS S2).
4. Penetapan langkah-langkah untuk uji coba pelaporan dengan 4. Determining the steps for reporting trials using the ISSB framework.
menggunakan kerangka kerja ISSB.
Untuk mendukung pelaksanaan rencana-rencana di atas, Bank telah To support the above plans, since 2021 the Bank has measured and
melakukan pengukuran dan pemantauan terhadap jejak emisi karbon monitored its carbon emission footprints included in scope 1, scope
yang termasuk dalam cakupan 1, cakupan 2, dan sebagian cakupan 3 2, and part of scope 3. In 2023, the total Green House Gas (GHG)
sejak tahun 2021. Pada tahun 2023, jumlah emisi Gas Rumah Kaca (GRK) emissions included in scope 1, scope 2 and part of scope 3, especially
yang termasuk dalam cakupan 1, cakupan 2 dan sebagian cakupan 3 those originating from employee mobility, electricity consumption by
khususnya yang berasal dari mobilitas karyawan, konsumsi listrik oleh data center suppliers, and business travels was recorded at 425.31
pemasok data center, dan perjalanan dinas tercatat sebesar 425,31 tCO2eq, an increase of 10.58% YoY. The growth was due to the increase
tCO2eq, atau naik sebesar 10,58% YoY. Kenaikan ini disebabkan oleh in operational activities in line with business growth and additional
meningkatnya aktivitas operasional yang sejalan dengan pertumbuhan data coverage, where in the previous years we did not include data
bisnis dan adanya penambahan cakupan data, dimana pada tahun on electricity consumption used by data center suppliers. However,
sebelumnya kami belum memasukkan data konsumsi listrik yang by limiting the use of electricity in the office, we were able to cap the
digunakan oleh pemasok data center. Meskipun demikian, dengan growth of electricity consumption to 0.37% YoY.
diberlakukannya kebijakan pembatasan penggunaan listrik untuk
lingkungan kantor, kami berhasil menekan pertumbuhan konsumsi
listrik dengan kenaikan sebesar 0,37% YoY.
Melalui kegiatan pengelolaan limbah dan daur ulang, Bank Aladin Bank Aladin Syariah collaborates with a third party to sort and manage
Syariah bekerja sama dengan pihak ketiga untuk memilah dan operational waste into organic, inorganic and residual waste. Through
mengelola sampah operasional menjadi limbah organik, anorganik this program, we were able to increase the amount of waste that
dan residu. Dari pemilahan dan pengelolaan tersebut, kami berhasil could be reused thereby reducing the volume of waste disposed of
meningkatkan jumlah limbah yang dapat digunakan kembali sehingga to landfills by 52% YoY to 1.51 tons. This is equivalent to preventing
mengurangi volume sampah yang dibuang ke TPA, dimana volume 1,294.05 kgCO2eq of emission from polluting the air if the waste was
sampah residu tercatat turun sebesar 52% YoY menjadi 1,51 ton. Hal not managed properly and thrown into a landfill and burned.
ini setara dengan upaya penyelamatan 1.294,05 kgCO2eq apabila
limbah yang tidak dikelola dengan baik dibuang ke TPA dan dibakar.
Sebagai bagian dari komitmen Bank dalam menjaga kelestarian As part of the Bank’s commitment to preserving the environment, Bank
lingkungan, Bank Aladin Syariah melanjutkan program pemungutan Aladin Syariah continues its plastic bottle waste collection program in
sampah botol plastik bekerja sama dengan Plastic Bank Indonesia, collaboration with Plastic Bank Indonesia, as well as the planting and
serta program penanaman dan perawatan 100 bibit bambu di wilayah nurturing program for 100 bamboo seedlings in the Magelang area,
Magelang, Jawa Tengah bekerja sama dengan Forum Komunikasi Central Java in collaboration with the Banking Compliance Director
Direktur Kepatuhan Perbankan (FKDKP), PPATK dan Yayasan Kehati. Communication Forum (FKDKP), PPATK and the Kehati Foundation.
Melalui program ini, kami berhasil mencegah potensi pencemaran dari Through these programs, we prevented potential pollution from 20,000
20.000 kg sampah botol plastik pada perairan Indonesia. Di sisi lain, kg of plastic bottle waste in Indonesian waters. On the other side, the
program penanaman dan pemeliharaan rumpun bambu terkendala program for planting and nurturing bamboo plants was hindered by
oleh adanya musim kemarau yang berkepanjangan akibat El Nino the prolonged dry season due to El Nino, so we cannot yet calculate
sehingga kami belum dapat menghitung potensi serapan emisi GRK the potential of GHG emission absorption and carbon storage impact
dan penyimpanan karbon dari program ini. from this program.
Selanjutnya Bank secara aktif melakukan sosialisasi terkait penerapan In addition, the Bank actively carries out campaigns on the application
prinsip-prinsip keberlanjutan. Sosialisasi secara internal terhadap of sustainability principles. Internal socialization includes practical tips
tips-tips praktis mengenai Aktivitas Ramah Lingkungan, Pengurangan on Environmentally Friendly Activities, Reducing the Use of Plastic
Penggunaan Kantong Plastik, dan Pemanfaatan Barang Bekas dilakukan Bags, and Utilizing Used Materials as wallpaper media. While external
melalui media wallpaper. Sementara itu sosialisasi secara eksternal socialization was carried out through social media with dihapus themes,
dilakukan melalui media sosial dengan tema Mengelola Sampah Dapur, such as Managing Kitchen Waste, Cycling, Tips for Using Electricity
Bersepeda, Tips Bijak Pakai Listrik, Penggunaan Tote Bag, Decluttering Wisely, Using Tote Bags, Decluttering Clothes, Recycling, Sustainable
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36
Pakaian, Daur Ulang, Liburan Berkelanjutan, Memperingati Hari Bumi, Holidays, Commemorating Earth Day, Eid Hampers, and Efforts to
Hampers Lebaran, dan Upaya Pencegahan Polusi Udara. Prevent Air Pollution.
Dalam bidang sosial, Bank Aladin Syariah berkomitmen terhadap In the social sector, Bank Aladin Syariah is committed to applying the
penerapan prinsip-prinsip keberlanjutan yang berkaitan dengan aspek sustainability principles related to personnel aspects, protecting and
kepegawaian, perlindungan dan pengelolaan hubungan pelanggan, managing customer relationships, financial literacy and inclusion,
literasi dan inklusi keuangan, serta kontribusi terhadap pengembangan as well as contributing to community development. For our own
masyarakat. Dari sisi kepegawaian, Bank berkomitmen untuk menjamin people, the Bank is committed to ensuring equal opportunities for all
peluang yang setara bagi seluruh karyawan tanpa memandang aspek employees regardless of gender, ethnicity, race or religion to pursue
gender, suku, ras, maupun agama untuk berkarir. a career.
Komitmen ini terukur melalui pemantauan terhadap indikator-indikator This commitment is measured by monitoring gender-based indicators,
berbasis gender, seperti komposisi karyawan perempuan yang telah such as the composition of female employees at the managerial level
menduduki level manajerial dari jumlah manajer yang tercatat sebesar against the total number of managers, which reached 40%, and the
40% dan rata-rata kesenjangan upah gender (mean gender pay gap) average gender pay gap ratio, which stood at 8.24%. The Bank is also
dengan persentase sebesar 8,24%. Bank juga berkomitmen untuk committed to protecting and improving the safety and comfortable
melindungi dan meningkatkan keamanan dan kenyamanan para workspace for employees at work, as well as fulfilling employee rights
karyawan selama berada dalam lingkungan kerja, serta memenuhi in accordance with human rights principles by providing adequate work
hak-hak karyawan sesuai prinsip HAM melalui penyediaan berbagai facilities, flexible working arrangements for non-critical work units,
fasilitas kerja yang memadai, penerapan flexible working arrangement and grievance mechanisms related to employment issues. Thanks
untuk unit-unit kerja non kritikal, dan penyediaan saluran pengaduan to these initiatives, the Bank has noted that there were no cases of
terkait isu-isu ketenagakerjaan. Dari berbagai inisiatif tersebut, Bank harassment of employees or human rights violations throughout
mencatat tidak adanya kasus pelecehan terhadap pekerja maupun 2023, and the turnover rate has decreased to 16.84% from 24.18%
pelanggaran HAM yang terjadi sepanjang tahun 2023, selain berhasil in the previous year.
menurunkan tingkat turnover rate menjadi 16,84% dari 24,18% pada
tahun sebelumnya.
Terkait perlindungan data nasabah, Bank berkomitmen untuk menjaga To ensure customer data protection, the Bank is committed to
privasi dan keamanan data nasabah melalui penguatan kapabilitas maintaining customer data privacy and security by strengthening
keamanan informasi, baik dari sisi kebijakan, sistem prosedur maupun information security capabilities through policies, system procedures
SDM. Selanjutnya Bank juga berupaya untuk mengelola hubungan and human resources. We also strive to manage the customer
pelanggan secara baik dengan menyelesaikan seluruh pengaduan yang relationships well by resolving all complaints received from customers
diterima dari nasabah sesuai dengan Service Level Agreement (SLA), in accordance with the Service Level Agreement (SLA), and monitoring
dan memantau tingkat kepuasan pelanggan. Di tahun 2023, Bank the customer satisfaction level. In 2023, the Bank recorded no data
mencatat tidak adanya kebocoran data selain mencatat hasil survei leaks, and the customer satisfaction survey resulted in a CSAT score
kepuasan nasabah dengan nilai CSAT sebesar 3,94 (dari maksimum of 3.94 (from a maximum CSAT of 5).
CSAT 5).
Dalam hal literasi dan inklusi keuangan serta program sosial For financial literacy and inclusion and social programs, the Bank has
kemasyarakatan, Bank telah melaksanakan berbagai program sebagai implemented the following programs:
berikut:
1. Menyelenggarakan pelatihan edukasi keuangan secara online untuk 1. Organized online financial education training for 150 MSMEs in
150 UMKM bekerja sama dengan Group Alfamart. collaboration with the Alfamart Group.
2. Menyempurnakan modul edukasi keuangan untuk pelaku UMKM 2. Improved the financial education module for MSMEs so it
agar selaras dengan Peraturan OJK No. 3 Tahun 2023 tentang aligns with OJK Regulation No. 3 of 2023 concerning Increasing
Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Literacy and Financial Inclusion in the Financial Services Sector
Bagi Konsumen dan Masyarakat, bekerja sama dengan Yayasan for Consumers and the Community, in collaboration with Yayasan
Benih Baik. Benih Baik.
3. Bekerja sama dengan Alfamart dan Heinz ABC dalam Program 3. Collaborated with Alfamart and Heinz ABC in the Free Warteg
Warteg Gratis, dimana dalam program ini Bank berpartisipasi Program, in which the Bank participated in providing food packages
dalam menyediakan paket makanan bagi kaum dhuafa yang for the poor, which are distributed through 33 food stalls in
disalurkan melalui 33 warung makan di Indonesia selama bulan Indonesia during the holy month of Ramadan.
suci Ramadhan.
4. Berpartisipasi dalam program kurban sapi yang disalurkan melalui 4. Participated in the sacrificial cow distribution program through
Islamic Dakwah Fund - Majelis Ulama Indonesia (IDF - MUI) dalam the Islamic Dakwah Fund - Majelis Ulama Indonesia (IDF - MUI)
rangka menyambut Hari Raya Idul Adha 1444 H. to welcome Eid al-Adha 1444 H.
5. Menggalang donor darah dengan melibatkan seluruh karyawan 5. Organized blood donations involving all Bank employees,
Bank yang disalurkan melalui Palang Merah Indonesia. distributed through the Indonesian Red Cross.
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Penjelasan Direksi
Board of Directors Explanation 37
6. Menyelenggarakan program beasiswa bagi karyawan untuk 6. Organized scholarship programs to support the education of
menunjang pendidikan karyawan yang sedang menempuh employees who are currently pursuing higher education.
pendidikan tinggi.
7. Menyelenggarakan program donasi untuk pencegahan stunting 7. Organized a donation program to prevent stunting in collaboration
bekerja sama dengan Yayasan Benih Baik Indonesia. with Yayasan Benih Baik Indonesia.
Sebagaimana telah disampaikan sebelumnya, Bank Aladin Syariah juga As previously stated, Bank Aladin Syariah is also strengthening its
memperkuat tata kelola keberlanjutan melalui perubahan organisasi sustainability governance through changes to the sustainability
keberlanjutan dengan menempatkan Divisi Sustainability di bawah organization by placing the Sustainability Division under the Director
Direktur Keuangan untuk mengoptimalkan sinergi antara program- of Finance to optimize synergy between sustainability programs and
program keberlanjutan dengan strategi komunikasi Bank. Selain the Bank’s communication strategy. We have also made improvements
itu kami juga melakukan penyempurnaan terhadap Kode Etik dan to the Code of Ethics and Code of Conduct that are used as a guide
Pedoman Perilaku yang digunakan sebagai panduan bagi Aladiners for Aladiners to maintain the level of trust of stakeholders, and to
untuk menjaga tingkat kepercayaan para pemangku kepentingan maintain a diverse, inclusive and safe workplace. Improvements have
serta menjaga lingkungan kerja yang beragam, inklusif dan aman. also been made to the commercial financing procedures to make the
Penyempurnaan juga dilakukan terhadap standar prosedur pembiayaan Indonesian Green Taxonomy process more integrated with the activities
komersial agar proses Taksonomi Hijau Indonesia lebih terintegrasi of underwriting, disbursing and monitoring financing, in addition to
dalam aktivitas pemberian, pencairan dan monitoring pembiayaan, establishing the Corporate Social Responsibility (CSR) procedures to
selain penetapan terhadap standar prosedur Tanggung Jawab Sosial increase effectiveness and transparency in distributing CSR funds.
dan Lingkungan (TJSL) agar meningkatkan efektivitas dan transparansi
dalam hal penyaluran dana-dana CSR.
Penutup Closing
Kami mengucapkan terima kasih dan memberikan apresiasi yang We would like to express our gratitude and highest appreciation for the
setinggi-tingginya atas kerja keras dan kerja sama dari Dewan hard work and cooperation of the Board of Commissioners, Board of
Komisaris, Direksi, Dewan Pengawas Syariah dan seluruh Aladiners, Directors, Sharia Supervisory Board and all Aladiners, and the support
serta dukungan para pemangku kepentingan lainnya. Berkat kerja from other stakeholders. Thanks to the established cooperation and
sama dan kepercayaan yang telah terjalin, Bank Aladin Syariah mampu trust, Bank Aladin Syariah continued its commitment to integrating and
melanjutkan komitmen dalam mengintegrasikan dan menerapkan implementing sustainability principles in all operational activities, as
prinsip-prinsip keberlanjutan pada seluruh aktivitas operasional, selain well as created an impact and contributed to achieving the Sustainable
menciptakan dampak dan berkontribusi pada Tujuan Pembangunan Development Goals.
Berkelanjutan.
Selaras dengan prinsip-prinsip syariah, kami menyadari pentingnya In line with sharia principles, we understand the importance of
keberlanjutan untuk menopang keberlangsungan Bank. Kami terus continuity to support the Bank’s sustainability. We will strive to instill a
berupaya untuk menanamkan budaya keberlanjutan kepada seluruh culture of sustainability among all Aladiners, and will remain committed
Aladiners, dan berkomitmen untuk terus berinovasi dan berkolaborasi to continuing to innovate and collaborate so we can further contribute
agar mampu berkontribusi dalam mengakselerasi transisi menuju in accelerating the transition towards a better future.
masa depan yang lebih baik.
Jakarta, 29 April 2024
Jakarta, April 29, 2024
Atas nama PT Bank Aladin Syariah Tbk,
On behalf of PT Bank Aladin Syariah Tbk,
Dyota Marsudi
Presiden Direktur
President Director
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38
Pernyataan Laporan Keberlanjutan Telah
Ditinjau dan Disetujui oleh Badan Tata Kelola
Tertinggi
Seluruh isi dalam Laporan keberlanjutan PT Bank Aladin Syariah Tbk tahun buku 2023 telah ditinjau dan disetujui oleh Dewan Komisaris selaku
badan tata kelola tertinggi [2-14]. Melalui peninjauan dan persetujuan ini, Dewan Komisaris bersama-sama dengan Direksi bertanggung jawab
terhadap seluruh isi Laporan keberlanjutan.
Jakarta, 29 April 2024
Jakarta, April 29, 2024
Dewan Komisaris PT Bank Aladin Syariah Tbk,
PT Bank Aladin Syariah Tbk Board of Commissioners
Rudy Hamdani
Presiden Komisaris (Independen)
President Commissioner (Independent)
Ationo Teguh Basuki Fransisca Ekawati
Komisaris Komisaris Independen
Commissioner Independent Commissioner
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Penjelasan Direksi
Board of Directors Explanation 39
Sustainability Report Statement Has Been Reviewed and
Approved by the Highest Governance Body
All contents in the PT Bank Aladin Syariah Tbk sustainability report for the 2023 fiscal year have been reviewed and approved by the Board
of Commissioners as the highest governance body [2-14]. Through this review and approval, the Board of Commissioners together with the
Board of Directors are responsible for the complete contents of the sustainability report.
Jakarta, 29 April 2024
Jakarta, April 29, 2024
Direksi PT Bank Aladin Syariah Tbk,
PT Bank Aladin Syariah Tbk Board of Directors
Dyota Mahottama Marsudi
Presiden Direktur
President Director
Firdila Sari Baiq Nadea Dzurriatin Mayang Ekaputri
Direktur Direktur Kepatuhan Direktur
Director Compliance Director Director
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Page 41
Profil
Perusahaan
Company Profile
Keunggulan perbankan digital berbasis
syariah menjadi keunggulan utama Bank
Aladin Syariah.
The benefits of sharia-based digital banking
became the main advantage of
Bank Aladin Syariah.
03
Page 42
42
Informasi Umum dan Identitas Perusahaan
General Information and Company Identity
Nama [C.2] [2-1]
Name
:
PT Bank Aladin Syariah Tbk
Nama Inisial
Initial Name
:
Bank Aladin Syariah
Informasi Perubahan Nama dan Status : • 16 September 1994 - PT Bank Maybank Nusa • September 16, 1994 - PT Bank Maybank Nusa
Bank International International
Information on Changes of Bank Name • 11 September 2000 - PT Bank Maybank • September 11, 2000 - PT Bank Maybank
and Status Indocorp Indocorp
• 23 September 2010 - PT Bank Maybank • September 23, 2010 - PT Bank Maybank
Syariah Indonesia Syariah Indonesia
• 20 Desember 2019 - PT Bank Net Indonesia • December 20, 2019 - PT Bank Net Indonesia
Syariah Syariah
• 3 November 2020 - PT Bank Net Indonesia • November 3, 2020 - PT Bank Net Indonesia
Syariah Tbk Syariah Tbk
• 3 Juni 2021 - PT Bank Aladin Syariah Tbk • June 3, 2021 - PT Bank Aladin Syariah Tbk
Tanggal Pendirian :
16 September 1994 September 16, 1994
Date of Establishment
Dasar Hukum Pendirian : Akta No. 58 tanggal 16 September 1994 yang dibuat Deed No. 58 dated September 16, 1994, made
Legal Basis of Establishment dihadapan Notaris Achmad Abid, S.H., dan telah before Notary Achmad Abid, S.H., and approved by
mendapatkan pengesahan pendirian berdasarkan the of the Republic of Indonesia Minister of Justice
Keputusan Menteri Kehakiman Republik Indonesia (now Republic of Indonesia Minister of Law and
(sekarang Menteri Hukum dan Hak Asasi Manusia Human Rights) Decree No. C2-15.525. HT.01.01.
Republik Indonesia) No. C2-15.525.HT.01.01.Th.94 Th.94 dated October 17, 1994, and announced
tanggal 17 Oktober 1994 serta telah diumumkan in the State Gazette of the Republic of Indonesia
dalam Berita Negara Republik Indonesia No. 103 No. 103 December 27, 1994, Supplement to the
tanggal 27 Desember 1994, Tambahan Berita State Gazette of the Republic of Indonesia No.
Negara Republik Indonesia No. 10872 Tahun 1994. 10872 1994.
Sektor Beroperasi [2-6] : • Klasifikasi Baku Lapangan Usaha Indonesia (KBLI) 2020:
Operating Sectors a. Bank Umum Syariah (KBLI 64122);
b. Penyedia Jasa Pembayaran (PJP) (KBLI 66411); dan
c. Portal Web dan/atau platform digital dengan tujuan komersial (KBLI 63122).
• Global Industry Classification Standard (GICS) 2023:
• Regional Banks (40101015)
• Standard Classification of Indonesian Business Fields (KBLI) 2020:
a. Sharia Commercial Bank (KBLI 64122);
b. Payment Service Provider (PJP) (KBLI 66411); and
c. Web portals and/or digital platforms with commercial purposes (KBLI 63122).
• Global Industry Classification Standard (GICS) 2023: Regional Banks (40101015)
Bidang Usaha [C.4] [2-6] : Bank Umum Syariah
Line of Business Sharia Commercial Bank
Kepemilikan Saham [C.3] [2-1] : • PT Aladin Global Ventures = 53,67% • PT Aladin Global Ventures = 53.67%
Share Ownership • PT BNC Technologies Ventures = 5,80% • PT BNC Technologies Ventures = 5.80%
• Masyarakat (masing-masing di bawah 5%) • Public (each under 5%) = 40.53%
= 40,53%
Modal Dasar :
Rp 5.000.000.000.000 IDR 5,000,000,000,000
Authorized capital
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Modal Ditempatkan dan Disetor Penuh :
Rp 1.476.839.001.700 IDR 1,476,839,001,700
Issued and fully paid-up capital
Informasi Pencatatan Saham : Saham Bank telah dicatatkan di Bursa Efek Indonesia (BEI) pada tanggal 1 Februari 2021.
Share Listing Information Efektif per 30 November 2023 pencatatan saham Bank Aladin Syariah pindah dari Papan Pengembangan ke Papan
Utama
The Bank’s shares were listed on the Indonesia Stock Exchange (BEI) on February 1, 2021.
Effective November 30, 2023, the listing of Bank Aladin Syariah shares has moved from the Development Board to
the Main Board
Kode Saham
Stock code
:
BANK
Ruang Lingkup Layanan dan Jaringan : 1 kantor pusat yang melayani nasabah di seluruh Indonesia
Usaha [C.2] [2-1; 2-6] 1 head office serving customers throughout Indonesia
Scope of Services and Business Network
Jumlah Karyawan
Number of employees
:
291 orang (2023) 291 employees (2023)
Alamat [C.2] [2-1] : Kantor Pusat
Address Gedung Millenium Centennial Center Lt 7,
Jl. Jenderal Sudirman Kav. 25,
Jakarta 12920, Indonesia
Head Office
Gedung Millenium Centennial Center 7th floor
Jl. Jenderal Sudirman Kav. 25,
Jakarta 12920, Indonesia
Telepon [C.2] : +62 21 85500947
Telephone
Faksimili : +62 21 39708007
Facsimile
Surel [C.2] : corsec@aladinbank.id
Email
Situs Web [C.2] : www.aladinbank.id
Website
Media Sosial : Instagram : @aladinbank.id
Social Media Tiktok : aladinbank
Linkedin : PT Bank Aladin Syariah Tbk
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Sekilas tentang Bank Aladin Syariah
Bank Aladin Syariah at a Glance
Bank Aladin Syariah didirikan pada 16 September 1994 dengan nama Bank Aladin Syariah was established on September 16, 1994 under
PT Bank Maybank Nusa International (“MSI”), sebagai perusahaan the name PT Bank Maybank Nusa International (“MSI”), as a joint
patungan atau joint venture antara 2 (dua) bank umum, yakni Malayan venture between 2 (two) commercial banks, namely Malayan Banking
Banking Berhad (“Maybank”) dari Malaysia dan Bank Nusa Nasional Berhad (“Maybank”) from Malaysia and Bank Nusa Nasional From
dari Indonesia. Pendirian Perseroan dikukuhkan melalui Akta Pendirian Indonesia. The establishment of the Company was confirmed through
Perseroan No. 58 yang dibuat oleh Achmad Abid, S.H., Notaris di the Company’s Deed of Establishment No. 58, made by Achmad Abid,
Jakarta [2-1]. S.H., Notary in Jakarta [2-1].
Pada tanggal 11 September 2000, Perseroan berganti nama dari yang On September 11, 2000, the Company changed its name from PT
sebelumnya bernama PT Maybank Nusa International menjadi PT Bank Maybank Nusa International to PT Bank Maybank Indocorp with the
Maybank Indocorp dengan beralihnya kepemilikan saham Perseroan transfer of ownership of the Company’s shares to the National Bank
kepada Badan Penyehatan Perbankan Nasional (BPPN). Selanjutnya, Restructuring Agency (BPPN). Subsequently, the Company changed
Perseroan kembali berganti nama dari PT Bank Maybank Indocorp its name again from PT Bank Maybank Indocorp to PT Bank Maybank
menjadi PT Bank Maybank Syariah Indonesia (“Maybank Syariah”) Syariah Indonesia (“Maybank Syariah”) in line with the change in
seiring dengan pergantian bidang usaha dari bank umum konvensional business from a conventional commercial bank to a sharia commercial
menjadi bank umum syariah berdasarkan Surat Keputusan Gubernur bank based on the Governor of Bank Indonesia Decree No. 12/60/KEP.
Bank Indonesia No. 12/60/KEP.GBI/ DpG/2010 tanggal 23 September GBI/ DpG/2010 dated September 23, 2010 [2-1; 2-6].
2010 [2-1; 2-6].
Berdasarkan Akta Pernyataan Keputusan Pemegang Saham yang Based on the Deed of Shareholder Decision Statement taken outside
diambil di luar Rapat Umum Pemegang Saham (RUPS) No. 5 tanggal the General Meeting of Shareholders (GMS) No. 5 dated July , 2019,
3 Juli 2019, Pemegang Saham sepakat untuk melakukan perubahan the Shareholders agreed to change the name from PT Bank Maybank
nama dari PT Bank Maybank Syariah Indonesia menjadi PT Bank Syariah Indonesia to PT Bank Net Indonesia Syariah (“BNS”). This
Net Indonesia Syariah (“BNS”). Perubahan itu diikuti pula dengan change was also accompanied by a change in business focus from the
bergantinya fokus bisnis dari segmen korporasi menjadi ritel, dengan corporate segment to retail, with the aim of developing a sharia-based
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tujuan untuk mengembangkan ekonomi berbasis syariah, khususnya economy, especially for the Micro, Small and Medium Enterprises
sektor Usaha Mikro, Kecil dan Menengah (UMKM). Pada tanggal 1 (MSME) sector. On February 1, 2021, BNS shares were listed on the
Februari 2021, saham BNS tercatat pada Bursa Efek Indonesia dengan Indonesia Stock Exchange with the stock code “BANK”.
kode saham “BANK”.
Pada tanggal 7 April 2021, para pemegang saham memberikan On April 7, 2021, the shareholders gave approval to change the name
persetujuan perubahan nama dari PT Bank Net Indonesia Syariah from PT Bank Net Indonesia Syariah Tbk to PT Bank Aladin Syariah Tbk
Tbk menjadi PT Bank Aladin Syariah Tbk berdasarkan keputusan RUPS based on the Extraordinary GMS decision which was confirmed through
Luar Biasa yang dikukuhkan melalui Akta No. 11 dari Notaris Yulia Deed No. 11, made before Notary Yulia S.H., Notary in Jakarta, April
S.H., Notaris di Jakarta, tanggal 7 April 2021. Perubahan tersebut 7, 2021. These changes received approval through the Republic of
memperoleh persetujuan dari Menteri Hukum dan Hak Asasi Manusia Indonesia Minister of Law and Human Rights Decree No. AHU-0021937.
Republik Indonesia dengan Surat Keputusan No. AHU-0021937. AH.01.02 of 2021 dated April 12, 2021, and received approval from
AH.01.02 Tahun 2021 tanggal 12 April 2021 dan mendapat persetujuan OJK via letter No. KEP-42/PB.1/2021 dated June 3, 2021 concerning
dari OJK melalui surat No. KEP-42/PB.1/2021 tanggal 3 Juni 2021 the determination of the use of a licence in the name of PT Bank Net
tentang penetapan penggunaan izin atas nama PT Bank Net Indonesia Indonesia Syariah Tbk to become a business licence in the name of
Syariah Tbk menjadi izin usaha atas nama PT Bank Aladin Syariah Tbk. PT Bank Aladin Syariah Tbk.
Anggaran Dasar Perseroan sebagaimana dinyatakan dalam Akta The Company’s Articles of Association as stated in the Deed of
Pendirian telah mengalami beberapa kali perubahan. Perubahan Establishment have undergone several changes. The last change was
terakhir dilakukan pada tanggal 8 Juli 2022 sesuai dengan Akta made on July 8, 2022 in accordance with the Deed of Meeting Decision
Pernyataan Keputusan Rapat (PKR) Nomor 41 yang telah memperoleh Statement (PKR) No. 41 that received approval from the Ministry of
persetujuan Kemenkumham melalui SK No. AHU- 0048047.AH.01.02. Law and Human Rights through Decree No. AHU- 0048047.AH.01.02
Tahun 2022 pada tanggal 12 Juli 2022. Perubahan ini dilakukan untuk 2022 on July 12, 2022. This change was made to amend Article 3 of
merubah Anggaran Dasar Pasal 3 terkait Maksud dan Tujuan Serta the Articles of Association related to the Aims and Objectives and
Kegiatan Usaha menjadi: Business Activities to become:
• Bank Umum Syariah (KBLI 64122) • Sharia Commercial Bank (KBLI 64122)
• Penyedia Jasa Pembayaran (PJP) (KBLI 66411) • Payment Service Provider (PJP) (KBLI 66411)
• Portal Web dan/atau Platform Digital dengan Tujuan Komersial • Web Portals and/or Digital Platforms with Commercial Purposes
(KBLI 63122) (KBLI 63122)
Sepanjang tahun 2022, Bank melaksanakan aksi korporasi berupa To increase its capital, the Company carried out corporate actions in
penambahan modal Bank melalui penerbitan Hak Memesan Efek 2022 by increasing capital through pre-emptive rights (HMETD), and
Terlebih Dahulu (HMETD) serta Penambahan Modal Tanpa Melalui Hak increasing capital without pre-emptive rights (PMTHMETD). These
Memesan Efek Terlebih Dahulu (PMTHMETD). Kedua aksi korporasi two corporate actions were carried our by the Bank to comply with
tersebut dilakukan Bank dalam rangka memenuhi ketentuan OJK OJK regulations as conveyed through OJK Regulation No. 12 of 2022
yang disampaikan melalui Peraturan OJK No. 12 Tahun 2022 tentang concerning Commercial Bank Consolidation, where commercial banks
Konsolidasi Bank Umum, dimana bank umum diwajibkan memiliki are required to have core capital of Rp3 trillion by the end of 2022.
modal inti Rp3 triliun per akhir tahun 2022.
Adapun melalui PMTHMETD tanggal 29 Desember 2022, Bank Furthermore, through PMTHMETD on December 29, 2022, the Bank
menerbitkan saham baru sejumlah 850.000.000 saham dengan issued 850,000,000 new shares with an exercise price of Rp1,400
harga pelaksanaan Rp1.400,- (nilai penuh) atau senilai dengan (full value) for a total of Rp1,190,000,000,000. PT BNC Technologies
Rp1.190.000.000.000,-. PT BNC Technologies Ventures menyerap Ventures absorbed all the shares offered in the PMTHMETD, making
seluruhnya saham yang ditawarkan dalam PMTHMETD tersebut dan it a new shareholder of the Bank with ownership of 5.80%. Thus, the
membuatnya menjadi pemegang saham baru Bank dengan kepemilikan share ownership of Bank Ladin Syariah as of December 31, 2022 was
sebesar 5,80%. Sehingga, kepemilikan saham Bank ladin Syariah per 31 PT Aladin Global Ventures with 53.67%, PT BNC Technologies Ventures
Desember 2022 adalah PT Aladin Global Ventures sebesar 53,67%, PT with 5.80%, and the Public with 40.53%.
BNC Technologies Ventures sebesar 5,80%, dan Masyarakat sebesar
40,53%.
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Dengan telah dilaksanakannya dua aksi korporasi di tahun 2022, These two corporate actions carried out in 2022, added to the Bank’s
menambah optimisme Bank untuk melakukan pengembangan usaha optimism in carrying out business development while remaining
dengan tetap fokus untuk mendukung perkembangan UMKM (Usaha focused on supporting the development of Indonesian MSMEs (Micro,
Mikro, Kecil, dan Menengah) Indonesia, selaku basis utama nasabah Small and Medium Enterprises), as the main base of Bank Aladin Syariah
Bank Aladin Syariah. Di tahun 2023, terdapat 112.772.416 lembar customers. In 2023, 112,772,416 Bank Aladin Syariah Series 1 Warrants
Waran Seri 1 Bank Aladin Syariah yang dikonversi menjadi saham. were converted into shares. As a result of the conversion of warrants
Akibat konversi waran menjadi saham tersebut, saham Perseroan into shares, the Company’s total shares increased from the previous
bertambah dari sebelumnya sejumlah 14,655,617,601 lembar menjadi 14,655,617,601 shares to 14,768,390,017. The conversion of warrant
14,768,390,017. Adanya konversi waran menjadi saham tersebut juga to shares also brought an impact to the shareholder composition: the
telah merubah komposisi pemegang saham, dimana porsi kepemilikan share ownership of PT Aladin Global Ventures became 52.32%, while
PT Aladin Global Ventures berubah menjadi 52,32% sementara porsi the share ownership of public was increased to 47.68%.
kepemilikan masyarakat meningkat menjadi 47,68%.
Di tahun 2023, Bank terus memperluas jaringan kerja sama mitra dan In 2023, the Bank continued to expand its partner collaboration network
terus mengoptimalisasi fungsi intermediarinya dengan meningkatkan and continued to optimize its intermediary function by increasing
aktivitas penghimpunan dana pihak ketiga dan penyaluran pembiayaan. third party fund collection activities and financing disbursement. To
Untuk mendorong penghimpunan dana, Bank meluncurkan produk encourage fund accumulation, the Bank launched a deposit product for
Deposito untuk nasabah ritel segmen menengah atas dan produk upper middle segment retail customers and a youth savings product,
tabungan remaja, serta fitur tabungan rencana Ala Impian dengan as well as the Ala Impian savings plan feature by creating a new savings
membuat tema tabungan baru Ala Impian Qurban. Pada sisi theme called Ala Impian Qurban. On the financing side, the Bank
pembiayaan, Bank telah mulai menyalurkan pembiayaan produktif started to distribute productive financing based on profit sharing for
berbasis bagi hasil untuk nasabah UMKM dan Korporasi, serta MSME and Corporate customers, as well as motor vehicle financing for
pembiayaan kendaraan bermotor untuk nasabah ritel. Layanan Bank retail customers. The Bank’s services continued to be complemented
pun terus dilengkapi melalui peluncuran fitur QRIS sebagai metode with the launch of a QRIS feature as a payment method via the mobile
pembayaran melalui aplikasi mobile banking dan platform Corporate banking application, and a Corporate Internet Banking platform to
Internet Banking untuk mempermudah transaksi bagi nasabah make transactions easier for corporate customers. The Bank’s cash
korporasi. Layanan tarik setor tunai Bank terus diperluas dan telah deposit withdrawal services continued to be expanded and became
tersedia di seluruh gerai Alfamart dan Alfamidi di seluruh Indonesia. available at all Alfamart and Alfamidi outlets throughout Indonesia. In
Pada triwulan akhir di tahun 2023, Bank juga telah meluncurkan layanan the final quarter of 2023, the Bank also launched Banking as a Service.
Banking as a Service.
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Visi, Misi, dan Nilai-nilai Keberlanjutan [C.1]
[2-23]
Vision, Mission and Sustainability Values [C.1] [2-23]
Visi | Vision
“Menjadi Bank Syariah Digital Terdepan”
"To Become the Leading Digital Sharia Bank"
Misi | Mission
“Bersama, memperkuat ekosistem keuangan syariah yang bermanfaat untuk seluruh lapisan”
"Together, strengthen the sharia financial ecosystem that is beneficial for all levels"
Tata Nilai Perusahaan Corporate Values
Merupakan norma yang menjadi kerangka acuan umum bagi seluruh Are the norms that become a general frame of reference for all Aladin
insan Aladin (Aladiners) dalam memaknai dan memegang teguh nilai- people (Aladiners) in interpreting and upholding the values that
nilai yang telah ditanamkan. Nilai Inti Bank memegang peranan penting have been instilled. The Bank’s Core Values play an important role in
dalam menopang dan mewujudkan Visi dan Misi Bank Aladin Syariah supporting and realizing Bank Aladin Syariah’s Vision and Mission going
ke depan melalui 3 (tiga) nilai inti (core values) Bank, yaitu: forward through the Bank’s 3 (three) core values, namely:
Bantu Tulus membantu baik untuk sesama Aladiners maupun kepada masyarakat
Help Sincerely helping both fellow Aladiners and the community
Bangun Setiap proses dan produk oleh Aladin dibangun dengan baik dan berkelanjutan
Build Every process and product by Aladin is well built and sustainable
Tumbuh Bank menjadi tempat belajar dan berkembang bersama
Grow The Bank is a place to learn and grow together
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Skala Usaha [C.3]
Business Scale [C.3]
Uraian Satuan
2023 2022 2021
Description Unit
Kekuatan Karyawan
Employee Power
Karyawan Perempuan Orang 105 91 66
Female Employees People
Karyawan Laki-laki Orang 186 165 133
Male Employees People
Jumlah Orang 291 256 199
Total People
Jumlah Pendapatan Bank sebagai Mudharib Rp-miliar 334,50 81,76 36,11
Total Bank Mudharib Income Rp-billion
Jumlah Dana Syirkah Temporer Rp-miliar 3.255 795 1.038
Total Temporary Syirkah Funds Rp-billion
Jumlah Aset Rp-miliar 7.092 4.733 2173
Total Assets Rp-billion
Jumlah Liabilitas Rp-miliar 752 795 89
Total Liabilities Rp-billion
Jumlah Ekuitas Rp-miliar 3.085 3.143 1.046
Total Equity Rp-billion
Pemegang saham % PT Aladin Global Ventures = PT Aladin Global Ventures = PT Aladin Global Ventures
Shareholders 52,32% 53,67% = 60,22%
Masyarakat (masing-masing di PT BNC Technologies Ventures Masyarakat = 39,78%
bawah 5%) = 47,68% = 5,80%
PT Aladin Global Ventures = Masyarakat (masing-masing di PT Aladin Global Ventures
52.32% bawah 5%) = 40,53% = 60.22%
Public (each below 5%) = PT Aladin Global Ventures = Public = 39.78%
47.68% 53.67%
PT BNC Technologies Ventures
= 5.80%
Public (each below 5%) =
40.53%
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Kegiatan Usaha, Produk dan Layanan Jasa,
serta Pasar yang Dilayani [C.4] [2-1]
Business Activities, Products and Services, and Markets
Served [C.4] [2-1]
Bank Aladin Syariah merupakan Bank Umum Syariah berbasis digital Bank Aladin Syariah is the first digital-based Sharia Commercial Bank in
pertama di Indonesia yang menjalankan fungsi intermediasi dengan Indonesia that carries out an intermediary function by collecting and
melakukan penghimpunan dan penyaluran dana, serta menawarkan distributing funds, as well as offering other financial services through
layanan keuangan lainnya melalui aplikasi digital untuk segmen retail digital applications for the retail and business segments.
dan bisnis.
Produk-produk dan layanan keuangan yang saat ini sudah diluncurkan The financial products and services currently launched commercially
secara komersial oleh Bank terdiri dari: by the Bank consist of:
Segmen Retail Retail Segment
1. Ala Dompet 1. Ala Dompet
Ala Dompet adalah produk tabungan berbasis Akad Mudharabah Ala Dompet is a savings product based on a Mudharabah Contract
atau bagi hasil yang digunakan untuk keperluan transaksi perbankan or profit sharing that is used for daily banking transactions and can
sehari-hari dan dapat dihubungkan dengan Kartu Debit yang be linked to a Debit Card issued physically by the Bank.
diterbitkan secara fisik oleh Bank.
2. Ala Impian 2. Ala Impian
Ala Impian adalah produk tabungan berbasis Akad Mudharabah atau Ala Impian is a Mudharabah contract-based product or profit
bagi hasil adalah yang digunakan untuk keperluan menabung atau sharing that is used for saving purposes or planning short and
merencanakan kebutuhan jangka pendek maupun jangka panjang. long term needs.
3. Ala Berbagi 3. Ala Berbagi
Layanan yang tersedia pada aplikasi mobile Aladin yang dapat Services available on the Aladin mobile application that customers
digunakan nasabah untuk berdonasi melalui Lembaga Amil terpercaya. can use to donate through trusted Amil Institutions.
4. Bayar dan Beli 4. Payment and Purchase
Layanan yang tersedia pada aplikasi mobile Aladin yang dapat Services available on the Aladin mobile application that customers
digunakan nasabah untuk membayar berbagai tagihan utilitas can use to pay monthly utility bills, as well as buy electricity tokens,
bulanan, serta membeli token listrik, pulsa maupun paket data. HP airtime, or data packages.
5. Tarik dan Setor Tunai 5. Cash Withdraw and Deposit
Layanan penarikan dan penyetoran uang tunai tanpa kartu debit Cash withdrawal and deposit services without a debit card through
melalui seluruh outlet Alfamart di Indonesia. all Alfamart outlets in Indonesia.
6. QRIS 6. QRIS
Layanan transaksi pembayaran melalui fitur QRIS pada aplikasi Payment of various transactions through QRIS at the Aladin
Aladin. application.
7. Kartu Aladin 7. Aladin ATM Card
Layanan transaksi pembayaran dan penarikan tunai lewat mesin ATM card that can be used to transact and withdraw cash at
ATM/EDC di seluruh jaringan GPN, LINK, ATM Bersama, Prima dan ATM/EDC that belongs to the GPN, LINK, ATM Bersama, Prima
Plus dengan menggunakan kartu Aladin. and Plus networks.
8. Banking-as-a-Service (BaaS) 8. Banking-as-a-Service (BaaS)
Penyediaan layanan perbankan secara digital untuk pihak-pihak Providing digital banking services to non-banking partners via
non perbankan melalui application programming interfaces (APIs). application programming interfaces (APIs).
Segmen Bisnis Business Segment
1. Tabungan Ala Bisnis 1. Ala Bisnis Savings
Tabungan Ala Bisnis adalah produk tabungan yang ditawarkan Ala Bisnis Savings is a savings product offered by Aladin to facilitate
oleh Aladin untuk memudahkan transaksi dalam mengelola tujuan transactions in managing company-specific financial goals with
keuangan khusus perusahaan dengan nisbah yang kompetitif. competitive ratios.
2. Deposito Ala Bisnis 2. Ala Bisnis Deposit
Deposito Ala Bisnis adalah produk deposito yang ditawarkan oleh Ala Bisnis Deposit is a time deposit product offered by Aladin to
Aladin untuk memudahkan transaksi dalam mengelola tujuan facilitate transactions in managing company-specific financial
keuangan khusus perusahaan dengan nisbah yang kompetitif. goals with competitive ratios.
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3. Invoice Financing 3. Invoice Financing
Invoice Financing atau anjak piutang adalah pembiayaan dalam Invoice Financing or factoring is financing in the form of receivables
bentuk jasa pengurusan penagihan piutang berdasarkan bukti collection management services based on proof of invoice,
tagihan (invoice), baik disertai atau tanpa disertai talangan (qardh) whether accompanied by or without bailout (qardh) provided to
yang diberikan kepada pelaku usaha yang memiliki tagihan kepada businesses who have bills from third parties (payors).
pihak ketiga (payor).
4. Pembiayaan Modal Kerja 4. Working Capital Financing
Pembiayaan modal kerja merupakan pembiayaan yang Working capital financing is financing intended to finance working
diperuntukkan untuk membiayai modal kerja dengan jangka capital for a certain period of time designated for businesses in
waktu tertentu yang diperuntukkan bagi pelaku usaha sesuai accordance with sharia principles.
dengan prinsip syariah.
Wilayah Operasi [C.2] [2-1; 2-6]
Operational Area [C.2] [2-1; 2-6]
Sebagai bank digital, Bank Aladin Syariah bekerja sama dengan Alfamart As a digital bank, Bank Aladin Syariah collaborates with the Alfamart
Group dalam memberikan pelayanan produk dan jasa keuangan kepada Group to provide financial products and services to all customers in
seluruh nasabah di Indonesia melalui lebih dari 19.000 outlet Alfamart Indonesia through more than 19,000 Alfamart and Alfamidi outlets
dan Alfamidi yang tersebar di seluruh wilayah Indonesia. spread throughout Indonesia.
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Keanggotaan pada Organisasi dan Asosiasi
[C.5] [2-28]
Membership in Organizations and Associations [C.5] [2-28]
Sebagai lembaga jasa keuangan, Bank Aladin Syariah bergabung As a financial services institution, Bank Aladin Syariah joins and is active
dan aktif di berbagai asosiasi atau lembaga yang relevan dengan in associations or institutions that are relevant to the Company’s main
bisnis utama perusahaan. Dengan demikian, Bank bisa mengikuti business. In this way, the Bank can follow the latest developments,
perkembangan, isu atau topik terbaru, serta saling bertukar informasi issues or topics, as well as exchange information and provide
dan memberikan saran/masukan untuk kemajuan bersama. Asosiasi suggestions/input for mutual progress. The associations that the
yang diikuti Bank selama tahun 2023 adalah sebagai berikut: Bank participated in during 2023 included the following:
Asosiasi atau Organisasi Lokasi Skala Posisi
Association or Organization Location Scale Position
Asosiasi Bank Syariah Indonesia (ASBISINDO) DKI Jakarta, Indonesia Nasional Anggota
Association of Indonesian Sharia Banks (ASBISINDO) National Member
Asosiasi Sistem Pembayaran Indonesia (ASPI)
DKI Jakarta, Indonesia Nasional Anggota
Indonesian Payment System Association (ASPI)
National Member
Forum Komunikasi Direktur Kepatuhan (FKDKP) DKI Jakarta, Indonesia Nasional Anggota
Compliance Director Communication Forum (FKDKP National Member
Forum Komunikasi Direktur Operasional Perbankan (FKDOP) Banten, Indonesia Nasional Anggota
Banking Operations Director Communication Forum (FKDOP) National Member
Asosiasi Fintech Syariah Indonesia (AFSI) DKI Jakarta, Indonesia Nasional Anggota
Indonesia Sharia Fintech Association (AFSI) National Member
Asosiasi Fintech Indonesia (AFTECH) DKI Jakarta, Indonesia Nasional Anggota
Indonesia Fintech Association (AFTECH) National Member
Keanggotaan Dewan Syariah Nasional (DSN) MUI DKI Jakarta, Indonesia Nasional Anggota
Membership of the MUI National Sharia Council (DSN) National Member
UN Global Compact New York, Amerika Internasional Anggota
UN Global Compact Serikat International Member
UN Environment Programme Finance Initiative (UNEP FI) - Principles for Responsible Banking Jenewa, Swiss Internasional Anggota
UN Environment Programme Finance Initiative (UNEP FI) - Principles for Responsible Banking International Member
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Struktur Organisasi dan Manajemen Puncak
[2-9]
Organizational Structure and Top Management [2-9]
Struktur Organisasi Bank Aladin Syariah
Bank Aladin Syariah Organizational Structure
Dewan Pengawas Syariah
Sharia Supervisory Board of Commissioners
Board
Asset Liability Committee Risk Management Credit Committee
Committee
IT Steering Committee Sustainability Executive President Director
Committee
Digital Banking Finance
Digital Product Information &
Commercial Central Finance
Management Technology
Digital Product
Funding Corporate Engineering Treasury
Financing
Digital Product Business Finance
Financing and Sales Infrastructure and
Design and Corporate
Operation
Planning
Business planning and Product Performance, Investor Relations
Application
revenue Assurance, Proposition and Strategy and Corporate
Management
Liabilities Secretary
Business Planning and Digital Product
Revenue Assurance, Research Big Data Sustainability
Financing
Business Growth Information Security
and Partnership and GRC
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Risk Monitoring Remuneration &
Committee Nomination Committee Audit Committee
Operation and Compliance Risk Management Human Capital
Strategy
Enterprise and
Central Operations Compliance and Legal Operational Risk HC Center of Expertise Internal Audit
Management
Anti Fraud
Customer Experience Business Risk Control HC Recruitment
Management
Procurement and Financing Risk HC Operations CEO Office
General Affairs Management
Operations Strategy Risk and Analytic
Financing Operations
Marketing and
Growth
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Manajemen Puncak Dasar Pengangkatan
Top Management Basis of Appointment
DEWAN KOMISARIS
Board Of Commissioners
Rudy Hamdani (Presiden Komisaris/Komisaris RUPS Luar Biasa tanggal 10 Februari 2022 sebagaimana telah tertuang dalam Akta Pernyataan Keputusan RUPS Luar
Independen) Biasa No. 56 tanggal 21 Februari 2022.
Rudy Hamdani (President Commissioner/ Extraordinary GMS dated February 10, 2022 as stated in the Deed of Extraordinary GMS Decision Statement No. 56
Independent Commissioner) dated February 21, 2022.
Fransisca Ekawati (Komisaris Independen) • RUPS Sirkuler tanggal 28 Mei 2020 dengan berita acara dalam Akta Notaris No. 149 tanggal 28 Mei 2020.
Fransisca Ekawati (Independent Commissioner) • RUPS Tahunan tanggal 21 Juni 2023 yang telah diaktakan melalui Akta Pernyataan Keputusan Rapat No. 12 tanggal
6 Juli 2023 (Pengangkatan Kembali)
• Circular GMS on May 28, 2020 with minutes in Notarial Deed No. 149 dated May 28, 2020.
• Annual GMS dated June 21, 2023 which was notarized through the Deed of Meeting Decision Statement No. 12
dated July 6, 2023 (Re-Appoinment)
Ationo Teguh Basuki (Komisaris) • RUPS Sirkuler tanggal 28 Mei 2020 dengan berita acara dalam Akta Notaris No. 149 tanggal 28 Mei 2020.
Ationo Teguh Basuki (Commissioner) • RUPS Tahunan tanggal 21 Juni 2023 yang telah diaktakan melalui Akta Pernyataan Keputusan Rapat No. 12 tanggal
6 Juli 2023 (Pengangkatan Kembali)
• Circular GMS on May 28, 2020 with minutes in Notarial Deed No. 149 dated May 28, 2020.
• Annual GMS dated June 21, 2023 which was notarized through the Deed of Meeting Decision Statement No. 12
dated July 6, 2023 (Re-Appoinment)
DEWAN PENGAWAS SYARIAH
Sharia Supervisory Board
Prof. DR. H.M. Asrorun Ni’am Sholeh, M.A. • RUPS Sirkuler tanggal 28 Mei 2020 dengan berita acara dalam Akta Notaris No. 149 tanggal 28 Mei 2020.
(Ketua) • RUPS Tahunan tanggal 21 Juni 2023 yang telah diaktakan melalui Akta Pernyataan Keputusan Rapat No. 12 tanggal
Prof. DR. H.M. Asrorun Ni'am Sholeh, M.A. 6 Juli 2023 (Pengangkatan Kembali)
(Chair) • Circular GMS on May 28, 2020 with minutes in Notarial Deed No. 149 dated May 28, 2020.
• Annual GMS dated June 21, 2023 which was notarized through the Deed of Meeting Decision Statement No. 12
dated July 6, 2023 (Re-Appoinment)
Drs. H. Sholahudin Al Aiyub, S.Ag, M.Si. • RUPS Sirkuler tanggal 28 Mei 2020 dengan berita acara dalam Akta Notaris No. 149 tanggal 28 Mei 2020.
(Anggota) • RUPS Tahunan tanggal 21 Juni 2023 yang telah diaktakan melalui Akta Pernyataan Keputusan Rapat No. 12 tanggal
Drs. H. Sholahudin Al Aiyub, S.Ag, M.Si. 6 Juli 2023 (Pengangkatan Kembali)
(Member) • Circular GMS on May 28, 2020 with minutes in Notarial Deed No. 149 dated May 28, 2020.
• Annual GMS dated June 21, 2023 which was notarized through the Deed of Meeting Decision Statement No. 12
dated July 6, 2023 (Re-Appoinment)
DIREKSI
Board of Directors
Dyota Marsudi (Presiden Direktur) RUPS Luar Biasa tanggal 7 April 2021 sebagaimana telah tertuang dalam Akta Pernyataan Keputusan RUPS Luar Biasa
Dyota Marsudi (President Director) No. 11 tanggal 7 April 2021
Extraordinary GMS dated April 7, 2021 as stated in the Deed of Extraordinary GMS Decision Statement No. 11 dated
April 7, 2021
Firdila Sari (Direktur) RUPS Luar Biasa tanggal 7 April 2021 sebagaimana telah tertuang dalam Akta Pernyataan Keputusan RUPS Luar Biasa
Firdila Sari (Director) No. 11 tanggal 7 April 2021
Extraordinary GMS dated April 7, 2021 as stated in the Deed of Extraordinary GMS Decision Statement No. 11 dated
April 7, 2021
Mayang Ekaputri (Direktur) RUPS Luar Biasa tanggal 10 Februari 2022 sebagaimana telah tertuang dalam Akta Pernyataan Keputusan RUPS Luar
Mayang Ekaputri (Director) Biasa No. 56 tanggal 21 Februari 2022.
Extraordinary GMS dated February 10, 2022 as stated in the Deed of Extraordinary GMS Decision Statement No. 56
dated February 21, 2022.
Baiq Nadea Dzurriatin (Direktur Kepatuhan) • RUPS Sirkuler tanggal 31 Januari 2020 yang telah diaktakan melalui Akta No. 19 tanggal 31 Januari 2020.
Baiq Nadea Dzurriatin (Compliance Director) • RUPS Tahunan tanggal 21 Juni 2023 sebagaimana telah tertuang dalam Akta Pernyataan Keputusan RUPS Tahunan
No. 12 tanggal 6 Juli 2023 (Pengangkatan Kembali)
• Circular GMS dated January 31, 2020, which was notarized through Deed No. 19 dated January 31, 2020.
• Annual GMS dated June 21, 2023 as stated in the Deed of Annual GMS Resolution Statement No. 12 dated July 6,
2023 (Re-Appoinment)
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Kepemilikan Saham
Ownership of Shares
“Sejak 1 Februari 2021, saham Perseroan telah dicatatkan dalam perdagangan saham di
Bursa Efek Indonesia dengan kode saham ‘BANK’.”
“Since February 1 2021, the Company’s shares have been listed for trading on the
Indonesia Stock Exchange with the stock code “BANK”.
Jumlah
Pemegang Modal Ditempatkan dan Persentase
Jumlah Saham
Saham Disetor Penuh Kepemilikan
Number of Shares
Pemegang Saham Number of Issued and Fully Paid Ownership
(lembar)
Shareholders Shareholders Capital (Rp) Percentage (%)
(akun)
Nilai Nominal Saham = Rp100/lembar
Nominal Value of Shares = Rp100/share
KEPEMILIKAN SAHAM > 5%
Share ownership of >5%
PT Aladin Global Ventures 1 7.726.530.746 772.653.074.600 52,32%
KEPEMILIKAN SAHAM <5%
Share ownership of <5%
Masyarakat (masing-masing < 5%) 11.401 7.041.859.271 704.185.927.100 47,68%
Public (each holding < 5%)
Jumlah 11.402 14.768.390.017 1.476.839.001.700 100,00
Total
PT Aladin Global
Ventures
52,32%
Kode Saham
di BEI:
Masyarakat
Public
BANK
47,68%
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Demografi Karyawan [C.3] [2-7; 2-8]
Employee Demographics [C.3] [2-7; 2-8]
Per 31 Desember 2023, Bank memiliki karyawan sebanyak 291 orang, As of December 31, 2023, the Bank had 291 employees, an increase
bertambah 35 orang atau tumbuh sebesar 13,7% bila dibandingkan of 35 people, or 13.7% compared to the number of employees in
dengan jumlah pegawai pada tahun sebelumnya. Kenaikan ini terutama the previous year. This increase was mainly attributed to the Bank’s
disebabkan oleh pertumbuhan usaha Bank. business growth.
Dalam menjalankan usaha, Bank membagi karyawan berdasarkan status In running the business, the Bank classifies employees based on their
yaitu pegawai tetap dan tidak tetap, dan tidak membagi karyawan status, namely permanent and temporary employees, and does not
berdasarkan waktu kerja, yaitu pegawai purna waktu dan paruh waktu. classify employees based on working time, namely full-time and part-
Selain itu, pada tahun pelaporan, Bank mempekerjakan pegawai bukan time employees. In addition, in the reporting year, the Bank engaged
karyawan, seperti alih daya (outsourcing). indirect employees, such as outsourcing staff.
2023 2023 2023
Status Kepegawaian
(orang) (orang) (orang)
Employment Status
(people) (people) (people)
Karyawan Alih Daya 69 70 65
Outsourcing Employees
Di sisi lain, sebagai bank digital, Bank hanya berkantor di Jakarta dan On the other hand, as a digital bank, the Bank only has offices in
tidak memiliki kantor cabang maupun kantor perwakilan. Dengan Jakarta and does not have branch offices or representative offices.
demikian, Bank tidak menyampaikan komposisi karyawan berdasarkan Thus, the Bank does not present the employee composition based on
wilayah kerja di luar Jakarta. Selain itu, Bank juga tidak mempublikasikan work areas outside Jakarta. The Bank also does not publish employee
data karyawan berdasarkan keterikatan jam kerja karena tidak data based on working hours as it does not employ employees who
mempekerjakan karyawan yang tidak terikat dengan jam kerja (non- are not bound by working hours (non-guaranteed hours employees).
guaranteed hours employee). Komposisi pegawai, termasuk pegawai The employee composition, including employees contracted directly
yang dikontrak secara langsung oleh Bank, selengkapnya disajikan by the Bank, is presented in full in the tables below.
dalam tabel-tabel di bawah ini.
Komposisi Karyawan Berdasarkan Jenis Kelamin (orang)
Employee Composition Based on Gender (people)
Jenis Kelamin
2023 2022 2021
Position Level
Laki-laki 186 165 133
Male
Perempuan 105 91 66
Female
Jumlah 291 256 199
Total
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Komposisi Karyawan Berdasarkan Level Jabatan dan Jenis Kelamin (orang)
Employee Composition Based on Position Level and Gender (people)
2023 2022 2021
Level Jabatan
Position Level L P Jumlah L P Jumlah L P Jumlah
M F Total M F Total M F Total
Direktur 1 3 4 1 3 4 3 2 5
Director
Upper Manager (VP, SVP/Group Head) 26 15 41 25 12 37 21 8 29
Middle Manager (Senior Manager s.d AVP) 68 26 94 62 20 82 39 13 52
Junior Manager (Manager) 67 26 93 59 30 89 48 23 71
Senior Officer (Senior Staff) 7 13 20 6 12 18 9 10 19
Officer (Staff) 17 22 39 12 14 26 10 10 20
Clerical - - - - - - 3 - 3
Jumlah 186 105 291 165 91 256 133 66 199
Total
L = Laki-laki | P = Perempuan
L = Male | P = Female
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Komposisi Karyawan Berdasarkan Jenjang Pendidikan dan Jenis Kelamin (orang)
Employee Composition Based on Education Level and Gender (people)
2023 2022 2021
Jenjang Pendidikan
Education Level L P Jumlah L P Jumlah L P Jumlah
M F Total M F Total M F Total
Pasca Sarjana 26 12 388 24 15 39 19 14 33
Postgraduate
Strata 1 146 87 233 127 73 200 99 48 147
Bachelor degree
Diploma 7 2 9 7 2 9 6 3 9
Diploma
SMA dan Sederajat 7 4 11 7 1 8 9 1 10
High School and Equivalent
Jumlah 186 105 291 165 91 256 133 66 199
Total
L = Laki-laki | P = Perempuan
L = Male | P = Female
Komposisi Karyawan Berdasarkan Rentang Usia dan Jenis Kelamin (orang)
Employee Composition Based on Age Range and Gender (people)
2023 2022 2021
Rentang Usia
Age Range L P Jumlah L P Jumlah L P Jumlah
M F Total M F Total M F Total
> 50 tahun 3 6 9 4 4 7 7 1 8
>50 years old
41 - 50 tahun 28 15 43 30 13 43 22 12 34
41 to 50 years old
21 - 40 tahun 155 84 239 131 74 205 104 53 157
21 to 40 years old
> 20 tahun 0 0 0 - - - - - -
> 20 years old
Jumlah 186 105 291 165 91 256 133 66 199
Total
L = Laki-laki | P = Perempuan
L = Male | P = Female
Komposisi Karyawan Berdasarkan Status Karyawan dan Jenis Kelamin (orang)
Employee Composition Based on Employee Status and Gender (people)
2023 2022 2021
Level Jabatan
Employee Status L P Jumlah L P Jumlah L P Jumlah
M F Total M F Total M F Total
Karyawan Tetap 181 98 279 1 3 4 3 2 5
Permanent Employees
Karyawan Tidak Tetap 5 7 12 25 12 37 21 8 29
Contract Employees
Jumlah 186 105 291 165 91 256 133 66 199
Total
L = Laki-laki | P = Perempuan
L = Male | P = Female
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Komposisi Pegawai Bukan Pekerja Langsung Berdasarkan Status Kepegawaian dan Jenis Kelamin (orang)
Composition of Non-Direct Employees Based on Employment Status and Gender (people)
2023 2022 2021
Level Jabatan
Employment Status L P Jumlah L P Jumlah L P Jumlah
M F Total M F Total M F Total
Karyawan Tetap 36 33 69 1 3 4 3 2 5
Permanent Employees
Karyawan Tidak Tetap 5 5 10 25 12 37 21 8 29
Contract Employees
Jumlah 41 38 79 165 91 256 133 66 199
Total
L = Laki-laki | P = Perempuan
L = Male | P = Female
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Penghargaan dan Sertifikasi
Awards and Certifications
Sepanjang tahun 2023, Bank mendapatkan berbagai pengakuan dan In 2023, the Bank received recognition and appreciation from
apresiasi dari para pemangku kepentingan yang terdiri dari: stakeholders as follows:
Nama Penghargaan Tanggal Diberikan Diberikan oleh
Award Name Date Issued By
The Best Sharia Bank (KBMI) 1 Asset class < 10 T 12 April 2023 Infobank
The 2nd Best Digital Bank (KBMI) 1 Asset class < 10 T April 12, 2023
Islamic Banking Initiative of The Year 25 Juli 2023 Asian Banking Finance
July 25, 2023
Sharia Bank Category for Action 30 Agustus 2023 TrenAsia ESG Award
August 30, 2023
Best New Islamic Digital Bank Indonesia 14 September 2023 World Economic Magazine
September 14, 2023
Best Financial Award 2023 the Sharia Digital Bank Category “Best Brand Popularity” 27 November 2023 The Iconomics
November 27, 2023
Digital Banking Award 2023 Kategori Dimensi Kolaborasi Bank Digital Murni 14 Desember 2023 InvestorTrust
Digital Banking Award 2023 in the Pure Digital Bank Collaboration Dimension Category December 14, 2023
Digital Financial Excellence Award 2023 Kategori Bank Syariah 19 Desember 2023 Media Asuransi
Digital Financial Excellence Award 2023 in the Sharia Bank Category December 19, 2023
Sertifikasi ISO 27001 12 April 2023 CBQA Global
ISO 27001 certification April 12, 2023
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Rantai Nilai dan Perubahan Signifikan pada
Rantai Nilai Organisasi [C.6] [2-6]
Value Chain and Significant Changes in Organizational Value
Chain [C.6] [2-6]
Sebagaimana telah dijelaskan di awal, Bank Aladin Syariah merupakan As explained at the beginning, Bank Aladin Syariah is a business entity
entitas usaha yang didirikan dengan tujuan menyelenggarakan kegiatan established with the aim of carrying out business activities in the field
usaha dalam bidang Bank Umum Syariah, Penyedia Jasa Pembayaran of Sharia Commercial Bank, Payment Service Provider (PJP), as well
(PJP), serta Portal Web dan/atau Platform Digital dengan Tujuan as Web Portal and/or Digital Platform with Commercial Purposes. To
Komersial. Dalam mengembangkan usahanya, Bank melakukan kerja expand its business, the Bank collaborates with many parties, including
sama dengan berbagai pihak, antara lain Alfamart Group, Persib dan the Alfamart Group, Persib and Evermos to reach customers in various
Evermos untuk menjangkau nasabah di berbagai segmen di Indonesia. segments in Indonesia.
Kemitraan dengan Alfamart Group dilakukan untuk menggabungkan The partnership with Alfamart Group is carried out to combine online
sistem online dan offline perbankan (omnichannel) agar dapat and offline banking systems (omnichannel) so that they can reach
menjangkau masyarakat yang belum mendapatkan layanan perbankan people who do not yet receive optimal banking services (underbanked).
secara optimal (underbanked). Kemitraan yang sebelumnya hanya The partnership, which previously only covered Alfamart outlets, was
dilakukan sebatas pada gerai Alfamart, pada tahun 2023 diperluas expanded in 2023 under the collaboration between the Bank and
dengan adanya kerja sama antara Bank dengan Alfamidi. Melalui Alfamidi. Through this partnership, customers can make cash deposits
kemitraan ini, nasabah dapat melakukan penyetoran dan penarikan and withdrawals, as well as payments at more than 19,000 Alfamart
tunai, serta pembayaran di lebih dari 19.000 gerai Alfamart dan Alfamidi and Alfamidi combined outlets in Indonesia without using an ATM card.
di Indonesia tanpa menggunakan kartu ATM.
Selain itu, sepanjang tahun 2023 Bank juga melakukan kerja sama Throughout 2023 the Bank also collaborated with new partners to
dengan berbagai mitra baru untuk memberikan nilai tambah dan provide added value and increase convenience for customers. This
meningkatkan kenyamanan bagi nasabah. Kerja sama tersebut di collaboration includes partnerships with switching networks such
antaranya meliputi kemitraan dengan jaringan switching seperti ATM as ATM Bersama, RINTIS (Prima Network), ATM Link, Plus and GPN;
Bersama, RINTIS (Jaringan Prima), ATM Link, Plus dan GPN; kemitraan partnerships with e-wallet providers such as OVO, GoPay, DANA,
dengan e-wallet provider seperti OVO, GoPay, DANA, ShopeePay, ShopeePay, LinkAja and Virgo; as well as partnerships with the National
LinkAja dan Virgo; serta kemitraan dengan Lembaga Amil Zakat Nasional Zakat Amil Institution, namely BAZNAS, Dompet Dhuafa, and Rumah
yakni BAZNAS, Dompet Dhuafa, dan Rumah Yatim untuk penyaluran Yatim for the distribution of zakat (mal, profesi, fitrah), infaq, wakaf,
zakat (mal, profesi, fitrah), infaq, wakaf, dan kurban. and kurban.
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Tata Kelola
Keberlanjutan
Sustainability Governance
Keunggulan perbankan digital
berbasis syariah menjadi keunggulan
utama Bank Aladin Syariah.
Business ethics is an important step for
the Bank to achieve business processes that are
accountable, transparent and
full of integrity
04
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Komitmen Penerapan serta Struktur dan
Mekanisme Tata Kelola Perusahaan yang Baik
Commitment to Implement Good Corporate Governance
Structure and Mechanism
Penerapan praktik Tata Kelola Perusahaan yang Baik atau Good The implementation of Good Corporate Governance (“GCG”) practices
Corporate Governance (“GCG”) menjadi salah satu aspek fundamental is one of the fundamental aspects of managing a company. In the
dalam pengelolaan perusahaan. Pada konsep pembangunan concept of sustainable development, GCG is one of the main pillars
berkelanjutan (sustainable development), GCG menjadi salah satu pilar to form the foundation of a healthy sharia economic investment and
utama yang diharapkan mampu membentuk pondasi iklim investasi business climate.
dan bisnis ekonomi syariah yang sehat.
Bank Aladin Syariah selalu berupaya untuk memperkuat dan Bank Aladin Syariah strives to strengthen and improve the
meningkatkan pelaksanaan prinsip-prinsip GCG di seluruh aspek implementation of GCG principles in all aspects of business activities.
kegiatan usaha. Selain itu, Bank juga berupaya untuk menjadikan In addition, the Bank strives to make GCG implementation a necessity
penerapan GCG sebagai suatu kebutuhan dalam pengelolaan kegiatan in managing business activities to create added value, build a positive
usaha guna menciptakan nilai tambah, membangun image yang positif, image, and increase public trust toward the Bank.
serta meningkatkan kepercayaan publik terhadap Bank.
Sejalan dengan pilar strategi keberlanjutan Bank, Bank Aladin Syariah In line with the Bank’s sustainability strategy pillars, Bank Aladin
berkomitmen untuk senantiasa mewujudkan prinsip- prinsip GCG Syariah is committed to consistently applying GCG principles by
secara konsisten dengan membentuk komite, sistem, dan unit kerja establishing committees, systems and work units to maintain and
untuk mempertahankan dan meningkatkan penerapan GCG secara improve GCG implementation in a sustainable manner based on five
berkelanjutan yang didasari oleh lima prinsip, yaitu Transparansi, principles: Transparency, Accountability, Responsibility, Professionalism
Akuntabilitas, Responsibilitas, Profesional dan Kesetaraan/Kewajaran. and Equality/Fairness. The Bank has also developed a governance
Bank juga telah menyusun kerangka kerja tata kelola (governance framework consisting of 4 (four) pillars, namely:
framework) yang terdiri dari 4 (empat) pilar, yaitu:
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Tentang Laporan Keberlanjutan
About The Sustainability Report 65
1. Governance Commitment, yakni wujud komitmen dari seluruh 1. Governance Commitment, a form of commitment from all
elemen Bank Aladin Syariah untuk menerapkan dan menegakan elements of Bank Aladin Syariah to implement and uphold Good
Tata Kelola Perusahaan yang Baik di Bank Aladin Syariah secara Corporate Governance at Bank Aladin Syariah consistently and
konsisten dan berkelanjutan. sustainably.
2. Governance Structure, yakni organ internal dan pihak regulator 2. Governance Structure, the Bank’s internal organs and regulators
Bank yang berwenang menjalankan mandat pelaksanaan tugas dan authorized to carry out the mandate to carry out their duties and
fungsi pengawasan terhadap Bank, yaitu RUPS, Dewan Komisaris, supervisory functions of the Bank, namely the GMS, Board of
Direksi, dan Dewan Pengawas Syariah. Commissioners, Board of Directors and Sharia Supervisory Board.
3. Governance Process, yakni serangkaian soft structure yang 3. Governance Process, a series of soft structures used to ensure the
digunakan untuk memastikan penerapan dan penegakan implementation and enforcement of Good Corporate Governance
Tata Kelola Perusahaan yang Baik di Bank Aladin Syariah telah at Bank Aladin Syariah has been implemented consistently and
diimplementasikan secara konsisten dan berkelanjutan. sustainably.
4. Governance Outcome, yakni manifestasi dari penerapan dan 4. Governance Outcome, the manifestation of the implementation
penegakan GCG Bank Aladin Syariah yang berdampak positif and enforcement of Bank Aladin Syariah’s GCG that has a positive
terhadap penciptaan nilai (Value Creation) dan keberlangsungan impact on value creation and business sustainability.
bisnis (Sustainability).
Struktur Tata Kelola Bank Aladin Syariah Bank Aladin Syariah Governance Structure
Struktur tata kelola Bank terdiri dari empat organ utama yang terdiri The Bank’s governance structure consists of four main organs
dari Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris, Dewan consisting of the General Meeting of Shareholders (GMS), Board of
Pengawas Syariah (DPS) dan Direksi, dimana Dewan Komisaris bertindak Commissioners, Sharia Supervisory Board (DPS) and Board of Directors,
sebagai badan tata kelola tertinggi sesuai model two tier system yang where the Board of Commissioners acts as the highest governance body
dianut di Indonesia [2-11]. in accordance with the two tier system model adopted in Indonesia
[2-11].
Dalam pelaksanaannya, organ utama dibantu oleh organ pendukung In its implementation, the main organs are assisted by supporting
yang terdiri dari komite di tingkat Dewan Komisaris, Direksi, Dewan organs consisting of committees at the Board of Commissioners,
Pengawas Syariah, Sekretaris Perusahaan, Manajemen Risiko dan Board of Directors, Sharia Supervisory Board level, and a Corporate
Internal Audit. Secretary, Risk Management and Internal Audit.
Dewan Komisaris memiliki beberapa komite untuk membantu dan The Board of Commissioners has several committees to assist and
meningkatkan tugas dan fungsi pengawasan, yakni: improve its supervisory duties and functions, including:
• Komite Audit • Audit Committee
• Komite Pemantau Risiko • Risk Monitoring Committee
• Komite Nominasi dan Remunerasi • Nomination and Remuneration Committee
• Komite Tata Kelola Perusahaan • Corporate Governance Committee
Direksi juga membentuk sejumlah komite untuk membantu tugasnya The Board of Directors also established a number of committees to
yang terdiri dari: assist in their duties, including:
• Komite Aset dan Liabilitas • Assets and Liabilities Committee
• Komite Pengarah Teknologi Informasi • Information Technology Steering Committee
• Komite Manajemen Risiko • Risk Management Committee
• Komite Pembiayaan • Financing Committee
• Komite Eksekutif Keberlanjutan • Sustainability Executive Committee
Tentang rincian organ pendukung dari Dewan Komisaris dan Direksi, Details of the Board of Commissioners and Board of Directors support
selengkapnya dapat dilihat pada Laporan Tahunan Bank Aladin Syariah organs can be found in the 2023 Bank Aladin Syariah Annual Report as
tahun 2023 sebagai dokumen yang tidak terpisahkan dari Laporan an inseparable document from this Sustainability Report.
Keberlanjutan ini.
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Struktur Tata Kelola Bank Aladin Syariah
Bank Aladin Syariah Governance Structure
Pemegang Saham dan Rapat Umum Pemegang Saham (RUPS) [2-9]
Shareholders and General Meeting of Shareholders (GMS)
Dewan Pengawas Syariah Dewan Komisaris Direksi
Sharia Supervisory Board Board of Commissioners Board of Directors
Komite-komite:
• Komite Aset dan
Liabilitas
• Komite Pengarah
Teknologi Informasi
Komite • Komite Manajemen
Nominasi Komite Risiko
Komite
dan Tata Kelola Sekretaris • Komite Pembiayaan
Pemantau Komite Audit Audit • Komite Eksekutif
Remunerasi Perusahaan Perusahaan
Risiko Audit Internal Corporate Keberlanjutan
Nomination Corporate Committee Internal Audit
Risk Monitoring Secretary Committees:
and Governance
Committee • Assets and Liabilities
Remuneration Committee
Committee
Committee
• Information Technology
Steering Committee
• Risk Management
Committee
• Financing Committee
• Sustainability Executive
Committee
Organ Utama
Main Organs
Audit Eksternal Organ Pendukung
External Audit Supporting Organs
Organ Eksternal
External Organs
Berikut disampaikan sekilas profil dari Dewan Komisaris, Dewan Below is a brief profile of the Board of Commissioners, Sharia
Pengawas Syariah, dan Direksi Bank Aladin Syariah [2-9; 2-15]. Supervisory Board and Directors of Bank Aladin Syariah [2-9; 2-15].
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About The Sustainability Report 67
Masa Jabatan: 29 Juli 2021 – Penutupan
Rudy Hamdani RUPS tahun ketiga
Presiden Komisaris (Independen) Term of Office: July 29, 2021 – Closing of
President Commissioner (Independent) the third year GMS
Laki-laki, warga negara Indonesia, berusia 61 tahun. Pertama kali diangkat sebagai Komisaris Independen berdasarkan keputusan RUPS Tahunan tanggal 29 Juli 2021, untuk
masa jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Kemudian beliau diangkat sebagai Presiden Komisaris berdasarkan RUPS
Luar Biasa tanggal 10 Februari 2022. Memiliki kompetensi dan pengalaman yang panjang di industri perbankan, dan dinyatakan lulus penilaian kemampuan dan kepatutan
(fit and proper test) oleh Otoritas Jasa Keuangan (OJK) sebagaimana tertuang dalam Surat Keputusan Dewan Komisioner OJK No. KEP-24/D.03/2022 tanggal 18 Februari
2022. Beliau tidak memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah, beliau juga merangkap sebagai Ketua Komite Remunerasi
dan Nominasi, serta sebagai Anggota Komite Audit, dan Anggota Komite Pemantau Risiko. Beliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, Dewan
Pengawas Syariah dan anggota Dewan Komisaris lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun tidak langsung.
Male, Indonesian citizen, 61 years old. First appointed as Independent Commissioner based on an Annual GMS resolution on July 2,9 2021, for a term of office until
the close of the third GMS after the date of appointment. Then was appointed as President Commissioner based on the Extraordinary GMS on February 10, 2022. Has
competencies and long experience in the banking industry, and was declared to have passed the fit and proper test by the Financial Services Authority (OJK) as stated in the
OJK Board of Commissioners Decree No. KEP-24/D.03/2022 dated February 18, 2022. Does not hold concurrent positions in other companies or institutions. Within Bank
Aladin Syariah, also serves as Chair of the Remuneration and Nomination Committee, as well as Member of the Audit Committee, and Member of the Risk Monitoring
Committee. Has no affiliations with members of the Board of Directors, Sharia Supervisory Board and other members of the Board of Commissioners, nor with the majority
and controlling shareholders, either directly or indirectly.
Masa Jabatan: 21 Juni 2023 – Penutupan
Fransisca Ekawati RUPS tahun ketiga
Komisaris Independen Term of Office: June 21, 2023 – Closing of
Independent Commissioner the third year GMS
Perempuan, warga negara Indonesia, berusia 58 tahun. Pertama kali diangkat sebagai Komisaris Independen berdasarkan Keputusan Gubernur Bank Indonesia 14/1/
GBI/DPbS tanggal 15 Maret 2012. Kemudian beliau diangkat kembali sebagai Komisaris Independen berdasarkan keputusan RUPS Tahunan tanggal 21 Juni 2023, untuk
masa jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi dan pengalaman yang panjang di sektor perbankan,
dan dinyatakan lulus penilaian kemampuan dan kepatutan (fit and proper test) oleh Bank Indonesia (BI) sebagaimana tertuang dalam Surat Keputusan Gubernur Bank
Indonesia No. 14/1/GBI/DPbS tanggal 15 Maret 2012. Beliau tidak memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah, beliau
juga merangkap sebagai Ketua Komite Audit, serta sebagai Ketua Komite Pemantau Risiko. Beliau tidak memiliki hubungan afiliasi baik dengan anggota Direksi, Dewan
Pengawas Syariah dan anggota Dewan Komisaris lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun tidak langsung.
Female, Indonesian citizen, 58 years old. Was first appointed as an Independent Commissioner based on the Governor of Bank Indonesia Decree 14/1/GBI/DPbS dated
March 15, 2012. Then was reappointed as an Independent Commissioner based on the Annual GMS resolution dated June 21, 2023, for a term of office until the closing
of the third GMS after the date of appointment. Has competencies and long experience in the banking sector, and was declared to have passed the fit and proper test by
Bank Indonesia (BI) as stated in the Governor of Bank Indonesia Decree No. 14/1/GBI/DPbS dated March 15, 2012. Does not hold concurrent positions in other companies
or institutions. Within Bank Aladin Syariah, also serves as Chair of the Audit Committee, as well as Chair of the Risk Monitoring Committee. Has no affiliation with members
of the Board of Directors, Sharia Supervisory Board and other members of the Board of Commissioners, nor with the majority and controlling shareholders, either directly
or indirectly.
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Masa Jabatan: 21 Juni 2023 – Penutupan
Ationo Teguh Basuki RUPS tahun ketiga
Komisaris Term of Office: June 21, 2023 – Closing of
Commissioner the third year GMS
Laki-laki, warga negara Indonesia, berusia 63 tahun. Pertama kali diangkat sebagai Komisaris berdasarkan keputusan RUPS Sirkuler Tahun 2020. Kemudian beliau diangkat
kembali sebagai Komisaris berdasarkan keputusan RUPS Tahunan tanggal 21 Juni 2023, untuk masa jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal
pengangkatannya. Memiliki kompetensi dan pengalaman yang panjang di sektor perbankan, dan dinyatakan lulus penilaian kemampuan dan kepatutan (fit and proper
test) oleh Otoritas Jasa Keuangan (OJK) sebagaimana tertuang dalam Surat Keputusan Dewan Komisioner OJK No. SR-30/PB.101/2020 tanggal 15 Oktober 2020 perihal
Keputusan Hasil Uji Kemampuan dan Kepatutan (fit and proper test) Calon Presiden Komisaris PT Bank Net Indonesia Syariah. Beliau tidak memiliki jabatan rangkap di
perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah, beliau juga merangkap sebagai Anggota Komite Pemantau Risiko. Beliau tidak memiliki hubungan afiliasi baik
dengan anggota Direksi, Dewan Pengawas Syariah dan anggota Dewan Komisaris lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun
tidak langsung.
Male, Indonesian citizen, 63 years old. Was first appointed as Commissioner based on the 2020 Circular GMS decision. Was reappointed as Commissioner based on the
Annual GMS resolution dated June 21, 2023, for a term of office until the closing of the third GMS after the date of appointment. Has competencies and long experience
in the banking sector, and was declared to have passed the fit and proper test by the Financial Services Authority (OJK) as stated in the OJK Board of Commissioners Decree
No. SR-30/PB.101/2020 dated October 15, 2020 concerning the Decision on the Results of the Fit and Proper Test for Candidates for President Commissioner of PT Bank
Net Indonesia Syariah. Does not hold concurrent positions in other companies or institutions. Within Bank Aladin Syariah, also serves as a Member of the Risk Monitoring
Committee. Has no affiliation with members of the Board of Directors, Sharia Supervisory Board and other members of the Board of Commissioners, nor with the majority
and controlling shareholders, either directly or indirectly.
Prof. Dr. H. M. Asrorun Masa Jabatan: 21 Juni 2023 – Penutupan
Ni’am Sholeh, MA RUPS tahun ketiga
Term of Office: June 21, 2023 – Closing of
Ketua Dewan Pengawas Syariah
the third year GMS
Chair of Sharia Supervisory Board
Laki-laki, warga negara Indonesia, berusia 47 tahun. Pertama kali diangkat sebagai Ketua Dewan Pengawas Syariah berdasarkan keputusan RUPS Sirkuler Tahun 2020.
Kemudian beliau diangkat kembali sebagai Ketua Dewan Pengawas Syariah berdasarkan keputusan RUPS Tahunan tanggal 21 Juni 2023, untuk masa jabatan sampai
dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi dalam bidang ekonomi dan keuangan syariah, serta hukum Islam. Beliau
memiliki rangkap jabatan sebagai Ketua Majelis Ulama Indonesia (MUI) Bidang Fatwa, Deputi 2 Bidang Pengembangan Pemuda Kementerian Pemuda dan Olahraga,
Ketua DPS di PT FWD Asuransi, Anggota DPS PT Pegadaian (Persero), Dosen di UIN Jakarta (2004-sekarang), dan Pengasuh Pondok Pesantren Al-Nahdlah, Depok, Jawa
Barat (2006-sekarang). Beliau tidak memiliki hubungan afiliasi baik dengan anggota Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas Syariah lainnya, maupun
dengan pemegang saham utama dan pengendali baik langsung maupun tidak langsung.
Male, Indonesian citizen, 47 years old. Was first appointed as Chair of the Sharia Supervisory Board based on the 2020 Circular GMS decision. Was reappointed as
Chair of the Sharia Supervisory Board based on the Annual GMS resolution dated June 21, 2023, for a term of office until the closing of the third GMS after the date of
appointment. Has competencies in the fields of sharia economics and finance, as well as Islamic law. Holds concurrent positions as Chair of the Indonesian Ulema Council
(MUI) for Fatwa, Deputy 2 for Youth Development at the Ministry of Youth and Sports, Chair of DPS at PT FWD Asuransi, Member of DPS PT Pegadaian (Persero), Lecturer
at UIN Jakarta (2004-present), and Caretaker of the Al-Nahdlah Islamic Boarding School, Depok, West Java (2006-present). Has no affiliation with members of the Board of
Commissioners, members of the Board of Directors, other members of the Sharia Supervisory Board, or with the majority and controlling shareholders, either directly or
indirectly.
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About The Sustainability Report 69
Drs. H. Sholahudin Al Masa Jabatan: 21 Juni 2023 – Penutupan
RUPS tahun ketiga
Aiyub, S.Ag, M.Si
Term of Office: June 21, 2023 – Closing of
Anggota Dewan Pengawas Syariah the third year GMS
Member of Sharia Supervisory Board
Laki-laki, warga negara Indonesia, berusia 49 tahun. Pertama kali diangkat sebagai Anggota Dewan Pengawas Syariah berdasarkan keputusan RUPS Sirkuler Tahun 2020.
Kemudian beliau diangkat kembali sebagai Anggota Dewan Pengawas Syariah berdasarkan keputusan RUPS Tahunan tanggal 21 Juni 2023, untuk masa jabatan sampai
dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi di bidang ekonomi dan keuangan syariah. Beliau memiliki jabatan rangkap
sebagai Anggota DPS Bank Muamalat Indonesia (2017-sekarang), Anggota DPS Reindo Syariah (2016-sekarang), Anggota DPS Indomobil Finance Syariah (2013-sekarang),
Wakil Sekjen MUI (2015-sekarang), Wakil Sekretaris BPH di DSN-MUI (2015-sekarang), dan Katib Syuriah di PBNU (2015-sekarang). Beliau tidak memiliki hubungan afiliasi
baik dengan anggota Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas Syariah lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung
maupun tidak langsung.
Male, Indonesian citizen, 49 years old. Was first appointed as Member of the Sharia Supervisory Board based on the 2020 Circular GMS decision. Was reappointed as
Member of the Sharia Supervisory Board based on the Annual GMS resolution dated June 21, 2023, for a term of office until the closing of the third GMS after the date of
appointment. Has competencies in the fields of sharia economics and finance. Holds concurrent positions as Member of DPS Bank Muamalat Indonesia (2017-present),
Member of DPS Reindo Syariah (2016-present), Member of DPS Indomobil Finance Syariah (2013-present), Deputy Secretary General of MUI (2015-present), Deputy
Secretary of BPH in DSN-MUI (2015-present), and Katib Syuriah at PBNU (2015-present). Has no affiliation with members of the Board of Commissioners, members of the
Board of Directors, other members of the Sharia Supervisory Board, or with the majority and controlling shareholders, either directly or indirectly.
Dyota Mahottama Masa Jabatan: 7 April 2021 – Penutupan
Marsudi RUPS tahun ketiga
Term of Office: April 7, 2021 – Closing of
Presiden Direktur
the third year GMS
President Director
Laki-laki, warga negara Indonesia, berusia 34 tahun. Pertama kali diangkat sebagai Presiden Direktur berdasarkan keputusan RUPS Luar Biasa tanggal 7 April 2021, untuk
masa jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi di bidang strategi pengembangan usaha dan digital
banking, dan dinyatakan lulus penilaian kemampuan dan kepatutan (fit and proper test) oleh Otoritas Jasa Keuangan (OJK) sebagaimana tertuang dalam Surat Keputusan
Dewan Komisioner OJK No. KEP-166/D.03/2021 tanggal 11 November 2021. Beliau tidak memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin
Syariah, beliau juga merangkap sebagai ketua komite di bawah Direksi sebagai berikut: Komite Pengarah Teknologi Informasi; Komite Aset dan Liabilitas atau Assets &
Liabilities Committee (ALCO); Komite Manajemen Risiko atau Risk Management Committee (RMC); dan Komite Pembiayaan. Beliau tidak memiliki hubungan afiliasi baik
dengan Dewan Pengawas Syariah dan anggota Dewan Komisaris, anggota Direksi lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun
tidak langsung.
Male, Indonesian citizen, 34 years old. First appointed as President Director based on the Extraordinary GMS resolution dated April 7, 2021, for a term of office until the
close of the third GMS after the date of appointment. Has competencies in the field of business development strategy and digital banking, and was declared to have
passed the fit and proper test by the Financial Services Authority (OJK) as stated in the OJK Board of Commissioners Decree No. KEP-166/D.03/2021 dated November 11,
2021. Does not hold concurrent positions in other companies or institutions. Within Bank Aladin Syariah, also serves as chair of committees under the Board of Directors
including: Information Technology Steering Committee; Assets and Liabilities Committee (ALCO); Risk Management Committee (RMC); and Financing Committee. Has no
affiliation with the Sharia Supervisory Board and members of the Board of Commissioners, other members of the Board of Directors, or with the majority and controlling
shareholders, either directly or indirectly.
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Masa Jabatan: 7 April 2021 – Penutupan
Firdila Sari RUPS tahun ketiga
Direktur Term of Office: April 7, 2021 – Closing of
Director the third year GMS
Perempuan, warga negara Indonesia, berusia 38 tahun. Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa tanggal 7 April 2021, untuk masa
jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi di bidang digital banking, dan dinyatakan lulus penilaian
kemampuan dan kepatutan (fit and proper test) oleh Otoritas Jasa Keuangan (OJK) sebagaimana tertuang dalam Surat Keputusan Dewan Komisioner OJK No. KEP-
167/D.03/2021 tanggal 11 November 2021. Beliau tidak memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah, beliau juga merangkap
sebagai anggota komite di bawah Direksi sebagai berikut: Komite Pengarah Teknologi Informasi; Komite Aset dan Liabilitas atau Assets & Liabilities Committee (ALCO); dan
Komite Manajemen Risiko atau Risk Management Committee (RMC). Beliau tidak memiliki hubungan afiliasi baik dengan Dewan Pengawas Syariah dan anggota Dewan
Komisaris, anggota Direksi lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun tidak langsung.
Female, Indonesian citizen, 38 years old. First appointed as Director based on the Extraordinary GMS resolution dated on April 7, 2021, for a term of office until the close
of the third GMS after the date of appointment. Has competencies in the field of digital banking, and has passed the fit and proper test by the Financial Services Authority
(OJK) as stated in the OJK Board of Commissioners Decree No. KEP-167/D.03/2021 dated November 11, 2021. Does not hold concurrent positions in other companies
or institutions. Within Bank Aladin Syariah, also serves as a member of committees under the Board of Directors including: Information Technology Steering Committee;
Assets and Liabilities Committee (ALCO); and the Risk Management Committee (RMC). Has no affiliation with the Sharia Supervisory Board and members of the Board of
Commissioners, other members of the Board of Directors, or with the majority and controlling shareholders, either directly or indirectly.
Masa Jabatan: 10 Februari 2022 – Penutupan
Mayang Ekaputri RUPS tahun ketiga
Direktur Term of Office: February 10, 2022 –
Director Closing of the third year GMS
Perempuan, warga negara Indonesia, berusia 41 tahun. Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa tanggal 10 Februari 2022, untuk
masa jabatan sampai dengan penutupan RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi di bidang treasury, pencatatan dan perencanaan
keuangan, dan dinyatakan lulus penilaian kemampuan dan kepatutan (fit and proper test) oleh Otoritas Jasa Keuangan (OJK) sebagaimana tertuang dalam Surat Keputusan
Dewan Komisioner OJK No. Kep-83/D.03/2022 tanggal 10 Juni 2022. Beliau tidak memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah,
beliau juga merangkap sebagai anggota komite di bawah Direksi sebagai berikut: Komite Pengarah Teknologi Informasi; Komite Aset dan Liabilitas atau Assets & Liabilities
Committee (ALCO); dan Komite Manajemen Risiko atau Risk Management Committee (RMC). Beliau tidak memiliki hubungan afiliasi baik dengan Dewan Pengawas Syariah
dan anggota Dewan Komisaris, anggota Direksi lainnya, maupun dengan pemegang saham utama dan pengendali baik langsung maupun tidak langsung.
Female, Indonesian citizen, 41 years old. First appointed as Director based on the Extraordinary GMS resolution dated February 10, 2022, for a term of office until the
close of the third GMS after the date of appointment. Has competencies in the fields of treasury, recording and financial planning, and was declared to have passed the
fit and proper test by the Financial Services Authority (OJK) as stated in the OJK Board of Commissioners Decree No. Kep-83/D.03/2022 dated June 10, 2022. Does not
hold concurrent positions in other companies or institutions. Within Bank Aladin Syariah, also serves as a member of committees under the Board of Directors including:
Information Technology Steering Committee; Assets and Liabilities Committee (ALCO); and the Risk Management Committee (RMC). Has no affiliation with the Sharia
Supervisory Board and members of the Board of Commissioners, other members of the Board of Directors, or with the majority and controlling shareholders, either
directly or indirectly.
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About The Sustainability Report 71
Masa Jabatan: 21 Juni 2023 – Penutupan
Baiq Nadea Dzurriatin RUPS tahun ketiga
Direktur Kepatuhan Term of Office: June 21, 2023 – Closing of
Compliance Director the third year GMS
Perempuan, warga negara Indonesia, berusia 53 tahun. Pertama kali diangkat sebagai Direktur Kepatuhan berdasarkan keputusan RUPS Sirkuler tanggal 31 Januari 2020.
Kemudian beliau diangkat kembali sebagai Direktur Kepatuhan berdasarkan keputusan RUPS Tahunan tanggal 21 Juni 2023, untuk masa jabatan sampai dengan penutupan
RUPS yang ketiga setelah tanggal pengangkatannya. Memiliki kompetensi di bidang hukum dan kepatuhan perbankan, dan dinyatakan lulus penilaian kemampuan dan
kepatutan (fit and proper test) oleh Bank Indonesia (BI) sebagaimana tertuang dalam Surat Bank Indonesia No. 12/5/DpG/DPbS tanggal 23 September 2010. Beliau tidak
memiliki jabatan rangkap di perusahaan atau lembaga lain. Di lingkup Bank Aladin Syariah, beliau juga merangkap sebagai anggota komite di bawah Direksi sebagai berikut:
Komite Aset dan Liabilitas atau Assets & Liabilities Committee (ALCO); dan Komite Manajemen Risiko atau Risk Management Committee (RMC). Beliau tidak memiliki
hubungan afiliasi baik dengan Dewan Pengawas Syariah dan anggota Dewan Komisaris, anggota Direksi lainnya, maupun dengan pemegang saham utama dan pengendali
baik langsung maupun tidak langsung.
Female, Indonesian citizen, 53 years old. Was first appointed as Compliance Director based on the Circular GMS resolution dated January 31, 2020. Then was reappointed
as Compliance Director based on the Annual GMS resolution dated June 21, 2023, for a term of office until the closing of the third GMS after the date of appointment.
Has competencies in the field of banking law and compliance, and has passed the fit and proper test by Bank Indonesia (BI) as stated in Bank Indonesia Letter No. 12/5/
DpG/DPbS dated September 23, 2010. Does not hold concurrent positions in other companies or institutions. Within Bank Aladin Syariah, also serves as a member of
committees under the Board of Directors including: Assets & Liabilities Committee (ALCO); and Risk Management Committee (RMC). Has no affiliation with the Sharia
Supervisory Board and members of the Board of Commissioners, other members of the Board of Directors, or with the majority and controlling shareholders, either
directly or indirectly.
Dengan model sistem 2 (dua) badan yang dianut oleh Indonesia, Using the 2 (two) tier system model adopted by Indonesia, both
baik Dewan Komisaris dan Dewan Pengawas Syariah sebagai badan the Board of Commissioners and the Sharia Supervisory Board as
pengawas, dan Direksi yang berperan mengelola operasi dan bisnis the supervisory body, and the Board of Directors, whose role is to
Bank, bertindak selaku badan tata kelola tertinggi Bank. Untuk manage the Bank’s operations and business, act as the Bank’s highest
menghindari benturan kepentingan, Dewan Komisaris, Dewan governance body. To avoid conflicts of interest, the Bank’s Board of
Pengawas Syariah dan Direksi Bank harus mematuhi seluruh peraturan Commissioners, Sharia Supervisory Board and Board of Directors of
dan pedoman yang berlaku di lingkup Bank. Di samping itu, untuk the must comply with all applicable regulations and guidelines within
menghindari benturan kepentingan, efektivitas masa jabatan Dewan the Bank. In addition, to avoid conflicts of interest, the effectiveness
Komisaris, Dewan Pengawas Syariah dan Direksi Bank juga ditentukan of the term of office of the Bank’s Board of Commissioners, Sharia
dari fit & proper test yang dilakukan Otoritas Jasa Keuangan (OJK) Supervisory Board and Board of Directors is also determined through
sebagaimana tertuang dalam Peraturan OJK No. 27/POJK.03/2016 the fit & proper test conducted by the Financial Services Authority
tanggal 22 Juli 2016 tentang Penilaian Kemampuan dan Kepatutan (OJK) as stated in OJK Regulation No. 27/POJK.03/2016 dated July
bagi Pihak Utama Lembaga Jasa Keuangan [2-11; 2-15]. 22, 2016 concerning Capability and Conformity Assessment for Main
Parties of Financial Services Institutions [2-11; 2-15].
Nominasi Dewan Komisaris dan Nominations for Bank Aladin
Direksi Bank Aladin Syariah [2-10] Syariah Board of Commissioners
and Board of Directors [2-10]
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi The General Meeting of Shareholders (GMS) is the highest organ
dalam Bank. Di mana RUPS merupakan wadah bagi pemegang in the Bank. Further, the GMS is a forum for shareholders with the
saham memiliki kewenangan untuk mendapatkan informasi tentang authority to obtain information about the Company’s management
pengelolaan perusahaan yang dilakukan oleh Direksi di bawah carried out by the Board of Directors under the supervision of the
pengawasan Dewan Komisaris. RUPS juga menjadi tempat bagi para Board of Commissioners. The GMS is also a place for shareholders to
pemegang saham untuk mengambil keputusan penting, dengan make important decisions, with authority that cannot be delegated
kewenangan yang tidak dapat dilimpahkan kepada Direksi atau Dewan to the Board of Directors or Board of Commissioners within the
Komisaris dalam batas yang telah diatur oleh Undang-Undang No. 40 limits regulated by Law No. 40 of 2007 concerning Limited Liability
Tahun 2007 tentang Perseroan Terbatas dan/atau Anggaran Dasar Companies, and/or the Company’s Articles of Association. For its
Perseroan. Dalam pelaksanaannya, RUPS dilakukan dalam 2 (dua) implementation, 2 (two) types of GMS are held, the Annual GMS
macam, yaitu RUPS Tahunan dan RUPS Luar Biasa. Lebih jauh, RUPS and Extraordinary GMS. In addition, the GMS has the right to appoint
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memiliki hak untuk menunjuk anggota Dewan Komisaris dan Direksi, members of the Board of Commissioners and Board of Directors,
menyetujui atau menolak laporan yang disampaikan oleh Dewan approve or reject reports submitted by the Board of Commissioners and
Komisaris dan Direksi, mengangkat auditor eksternal, menentukan Board of Directors, appoint external auditors, determine the balance
keseimbangan antara remunerasi dan dividen, mengevaluasi kinerja between remuneration and dividends, evaluate the performance of
Dewan Komisaris dan Direksi, menyetujui perubahan anggaran dasar the Board of Commissioners and Board of Directors, approve changes
Bank, menyetujui laporan keuangan, serta menetapkan remunerasi to the Bank’s articles of association, approve financial reports, and
bagi anggota Dewan Komisaris dan Direksi. determine remuneration for members of the Board of Commissioners
and Board of Directors.
Penyelenggaraan RUPS terdiri dari: The GMS consists of:
RUPS Tahunan Annual GMS
Penyelenggaraan RUPS tahunan ini dilakukan oleh Direksi dengan The annual GMS is carried out by the Board of Directors by inviting the
mengundang Dewan Komisaris, Dewan Pengawas Syariah dan Board of Commissioners, Sharia Supervisory Board and Shareholders
Pemegang Saham untuk membahas dan meminta persetujuan Laporan to discuss and request approval of the Annual Report, ratification of
Tahunan, pengesahan Laporan Keuangan, dan pengesahan Laporan the Financial Report, and ratification of the Bank Commissioners’
Tugas Pengawasan Dewan Komisaris Bank, penetapan penggunaan Supervisory Duties Report, determination of the use of the Bank’s
laba bersih Bank, penunjukan Kantor Akuntan Publik, penetapan paket net profit, appointment of a Public Accounting Firm, determination
remunerasi berikut tunjangan, bonus dan fasilitas yang diberikan of the remuneration package including allowances, bonuses and
kepada Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah, facilities provided to the Board of Commissioners, Board of Directors
persetujuan atas perubahan Anggaran Dasar Bank, perubahan susunan and Sharia Supervisory Board, approve changes to the Bank’s Articles
Pengurus Bank, dan/atau pelaporan realisasi penggunaan dana hasil of Association, changes to the composition of the Bank Management,
penawaran umum. and/or to report on the realization of the use of proceeds from a
public offering.
RUPS Luar Biasa (RUPSLB) Extraordinary GMS (EGMS)
RUPS Luar Biasa adalah RUPS lainnya yang dapat diadakan setiap Extraordinary GMS are GMS that can be held at any time based on
waktu berdasarkan kebutuhan untuk kepentingan Bank. Pembahasan needs for the interests of the Bank. Discussions at the EGMS meeting
rapat RUPSLB antara lain perubahan nama Bank, mengangkat dan included changing the name of the Bank, appointing and dismissing the
memberhentikan Dewan Komisaris, Dewan Pengawas Syariah dan Bank’s Board of Commissioners, Sharia Supervisory Board and Board
Direksi Bank, memberikan persetujuan penambahan modal dengan of Directors, granting approval for additional capital by issuing new
cara menerbitkan saham baru dengan memberikan Hak Memesan Efek shares by granting Pre-emptive Rights (HMETD), granting authority
Terlebih Dahulu (HMETD), memberikan wewenang dan kuasa kepada and power to the Bank’s Board of Directors by right of substitution to
Direksi Bank dengan hak substitusi untuk melakukan segala tindakan carry out all necessary actions to increase capital, giving authority to
yang diperlukan dalam rangka penambahan modal, memberikan the Bank’s Board of Directors to amend Bank Aladin Syariah’s articles
kuasa kepada Direksi Bank untuk merubah anggaran dasar Bank Aladin of association in order to increase capital. In 2023 the Bank did not
Syariah dalam rangka peningkatan modal. Pada tahun 2023 Bank tidak hold any Extraordinary GMS (EGMS).
mengadakan RUPS Luar Biasa (RUPSLB).
Pada tahun 2023, Bank melaksanakan 1 (satu) kali RUPS yakni RUPS In 2023, the Bank held 1 (one) GMS, the Annual GMS on June 21
Tahunan yang diselenggarakan pada tanggal 21 Juni 2023. Berikut 2023. The following is a presentation of the implementation of the
disampaikan penyelenggaraan RUPS di tahun 2023: GMS in 2023
Rangkaian Pelaksanaan RUPS Tahunan GMS Implementation Steps
Proses Tanggal Realisasi Keterangan
Process Realization Date Description
Pemberitahuan/ 15 Mei 2023 • Disampaikan kepada OJK melalui surat No. S.024.BOD/05.2023 tanggal 15 Mei 2023 perihal
Pengumuman May 15, 2023 Penyampaian Pemberitahuan dan Bukti Publikasi Pemberitahuan Rapat Umum Pemegang Saham
Notification/Announcement Tahunan (“RUPST”) PT Bank Aladin Syariah Tbk.
• Pengumuman RUPST disampaikan melalui website Bank, website Bursa Efek Indonesia dan website
KSEI.
• Submitted to OJK via letter No. S.024.BOD/05.2023 dated May 15, 2023 concerning Submission of
Notification and Proof of Publication of Notification of the Annual General Meeting of Shareholders
(“AGMS”) of PT Bank Aladin Syariah Tbk.
• Announcement of the AGMS was submitted via the Bank’s website, the Indonesia Stock Exchange
website, and the KSEI website.
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Proses Tanggal Realisasi Keterangan
Process Realization Date Description
Pemanggilan 30 Mei 2023 • Pemanggilan RUPST disampaikan melalui website Bank, website Bursa Efek Indonesia dan website
Invitation May 30, 2023 KSEI.
• Bukti pemanggilan disampaikan kepada OJK dan Bursa Efek Indonesia dalam bentuk surat No. S.042.
BOD/05.2023 tanggal 30 Mei 2023 perihal Penyampaian Pemanggilan dan Bukti Publikasi atas
Pemanggilan Rapat Umum Pemegang Saham Tahunan (“RUPST”) PT Bank Aladin Syariah Tbk.
• The invitation to the AGMS was submitted via the Bank’s website, the Indonesian Stock Exchange
website, and the KSEI website.
• Proof of the invitation was submitted to OJK and the Indonesian Stock Exchange in the form of letter
No. S.042.BOD/05.2023 dated May 30, 2023 concerning Submission of Invitation and Publication
Evidence of the Invitation to the Annual General Meeting of Shareholders (“AGMS”) of PT Bank
Aladin Syariah Tbk.
Tanggal Pelaksanaan 21 Juni 2023 Waktu | Time :
Implementation date June 21, 2023 08.00 WIB s.d selesai
08.00 WIB onwards
Tempat | Venue :
Rapha Room 1 dan 2
Rapha Rooms 1 and 2
JS Luwansa Hotel and Convention Center
Jl. H. R. Rasuna Said No.22, RT.2/RW.5, Karet Kuningan, Kecamatan
Setiabudi, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12940
JS Luwansa Hotel and Convention Center
Jl. H. R. Rasuna Said No.22, RT.2/RW.5, Karet Kuningan, District
Setiabudi, South Jakarta City, Special Capital Region of Jakarta 12940
Penyampaian Ringkasan 23 Juni 2023 • Ringkasan Risalah disampaikan kepada OJK dalam bentuk surat No. S.058.BOD/06.2023 tanggal 23
Risalah June 23, 2023 Juni 2023 perihal Penyampaian Ringkasan Risalah dan Bukti Publikasi atas Ringkasan Risalah Rapat
Submission of Minutes Umum Pemegang Saham Tahunan (“RUPST”) PT Bank Aladin Syariah Tbk.
Summary • Ringkasan risalah disampaikan melalui website Bank, website Bursa Efek Indonesia dan website KSEI.
• A summary of the Minutes was submitted to OJK in the form of letter No. S.058.BOD/06.2023
dated June 23, 2023 concerning Submission of Minutes Summary and Evidence of Publication of
the Minutes Summary of the Annual General Meeting of Shareholders (“AGMS”) of PT Bank Aladin
Syariah Tbk.
• ● A minutes summary was submitted via the Bank’s website, the Indonesian Stock Exchange website,
and the KSEI website.
Akta Risalah 5 Juli 2023 Akta Berita Acara Rapat Nomor 83 tanggal 21 Juni 2023
Minutes Deed July 5, 2023 Deed of Meeting Minutes No. 83 dated June 21, 2023
Keputusan RUPS Tahunan Annual GMS Resolutions on June 21, 2023
Tanggal 21 Juni 2023
Hasil Keputusan RUPS Tahunan tanggal 21 Juni 2023
Results of Annual GMS Resolutions on June 21, 2023
MATA ACARA RAPAT KE-1:
Persetujuan Laporan Tahunan, pengesahan Laporan Keuangan, dan pengesahan Laporan Tugas Pengawasan Dewan Komisaris Perseroan untuk tahun buku yang berakhir
pada tanggal 31 Desember 2022 sekaligus pemberian pelunasan dan pembebasan tanggung jawab sepenuhnya (”volledig acquit et de charge”) kepada anggota Direksi
atas tindakan pengurusan Perseroan dan anggota Dewan Komisaris atas tindakan pengawasan Perseroan yang telah dijalankan selama Tahun Buku 2022.
Meeting Agenda Item 1:
To approve the Annual Report, ratify the Financial Report, and ratify the Supervisory Duties Report of the Company’s Board of Commissioners for the fiscal year ending
December 31, 2022 as well as provide full release and discharge (“volledig acquit et de charge”) to members of the Board of Directors for their actions in managing the
Company, and to members of the Company’s Board of Commissioners for their supervisory actions carried out during the Fiscal Year 2022.
HASIL KEPUTUSAN:
Menyetujui dan mengesahkan Laporan Tahunan, Laporan Keuangan, dan Laporan Tugas Pengawasan Dewan Komisaris Perseroan untuk Tahun Buku yang berakhir pada
tanggal 31 (tiga puluh satu) Desember 2022 (dua ribu dua puluh dua) sekaligus pemberian pelunasan dan pembebasan tanggung jawab sepenuhnya (”volledig acquit et
de charge”) kepada anggota Direksi atas tindakan pengurusan Perseroan dan anggota Dewan Komisaris atas tindakan pengawasan Perseroan yang telah dijalankan selama
Tahun Buku 2022 (dua ribu dua puluh dua).
Resolution:
Approved and ratified the Annual Report, Financial Report and Supervisory Duties Report of the Company’s Board of Commissioners for the Fiscal Year ending December
31 (thirty-one) 2022 (two thousand and twenty-two) as well as granted full release and discharge (“volledig acquit et de charge”) to members of the Board of Directors in
managing the Company, and to members of the Company’s Board of Commissioners for their supervisory actions carried out during the Fiscal Year 2022.
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Hasil Keputusan RUPS Tahunan tanggal 21 Juni 2023
Results of Annual GMS Resolutions on June 21, 2023
MATA ACARA RAPAT KE-2:
Penetapan penggunaan laba/rugi bersih Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2022.
Meeting Agenda Item 2:
To determine the use of the Company’s net profit/loss for the fiscal year ending December 31, 2022.
HASIL KEPUTUSAN:
Tidak melakukan pembayaran dividen untuk tahun buku 2022 (dua ribu dua puluh dua).
Resolution:
Not to make dividend payments for the 2022 (two thousand twenty two) Fiscal year.
MATA ACARA RAPAT KE-3:
Penunjukan Kantor Akuntan Publik untuk melakukan audit Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2023.
Meeting Agenda Item 3:
To appoint a Public Accounting Firm to audit the Company’s Financial Statements for the fiscal year ending December 31, 2023.
HASIL KEPUTUSAN:
Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk:
• Menunjuk dan menetapkan Kantor Akuntan Publik yang akan mengaudit Laporan Keuangan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 (tiga puluh
satu) Desember 2023 (dua ribu dua puluh tiga);
• Menetapkan honorarium dan persyaratan-persyaratan lain penunjukan Akuntan Publik tersebut; serta
• Menunjuk Kantor Akuntan Publik pengganti bilamana Kantor Akuntan Publik tersebut tidak dapat melaksanakan tugas auditnya sesuai dengan standar akuntansi dan
ketentuan perundangan yang berlaku, termasuk peraturan di bidang pasar modal dan peraturan Bapepam dan LK dan/atau Peraturan OJK.
Resolution:
Granted power and authority to the Company’s Board of Commissioners to:
• Appoint and determine a Public Accounting Firm to audit the Company’s Financial Statements for the Fiscal Year ending December 31 (thirty-one), 2023 (two
thousand and twenty-three);
• Determine the honorarium and other requirements for the appointment of the Public Accountant; as well as
• Appoint a replacement Public Accounting Firm if the Public Accounting Firm is unable to carry out its audit duties in accordance with accounting standards and
applicable statutory provisions, including capital market regulations, and Bapepam and LK regulations and/or OJK Regulations.
MATA ACARA RAPAT KE-4:
Penetapan paket remunerasi berikut tunjangan, bonus dan fasilitas yang diberikan kepada Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah Perseroan untuk tahun
buku yang berakhir pada tanggal 31 Desember 2023.
Meeting Agenda Item 4:
To determine the remuneration package including allowances, bonuses and facilities provided to the Company’s Board of Commissioners, Board of Directors and Sharia
Supervisory Board for the fiscal year ending December 31, 2023.
HASIL KEPUTUSAN:
Menyetujui pemberian dan pendelegasian kewenangan kepada Dewan Komisaris Perseroan untuk menetapkan paket Remunerasi berikut Tunjangan dan Fasilitas yang
diberikan kepada Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah Perseroan untuk tahun buku yang berakhir pada tanggal 31 (tiga puluh satu) Desember 2023
(dua ribu dua puluh tiga) dengan memperhatikan kondisi keuangan Perseroan.
Resolution:
Approved and granted delegation of authority to the Company’s Board of Commissioners to determine the Remuneration package along with the Allowances and Facilities
provided to the Company’s Board of Commissioners, Board of Directors and Sharia Supervisory Board for the fiscal year ending December 31 (thirty-one), 2023 (two
thousand and twenty three) taking into account the Company’s financial condition.
MATA ACARA RAPAT KE-5:
Persetujuan atas perubahan Anggaran Dasar Perseroan
Meeting Agenda Item 5:
To approve changes to the Company’s Articles of Association
HASIL KEPUTUSAN:
• Menyesuaikan Pasal 24 ayat 5 Anggaran Dasar Perseroan mengenai pengumuman neraca dan laporan laba rugi dalam situs web PT Bursa Efek Indonesia dan situs
web Perseroan, dengan memperhatikan ketentuan perundang-undangan yang berlaku di bidang Pasar Modal.
• Menyetujui untuk menunjuk dan memberi kuasa dengan hak subtitusi, kepada Direksi Perseroan atau kuasa yang ditunjuk untuk menyatakan keputusan ini dalam
suatu Akta Notaris termasuk menyusun kembali Pasal 24 Anggaran Dasar Perseroan, dan untuk itu dikuasakan menghadap Notaris, menandatangani akta, dokumen
atau surat-surat, serta melakukan segala sesuatu yang diperlukan untuk tercapainya maksud tersebut di atas tanpa ada yang dikecualikan sekaligus memohon
persetujuan atas perubahan anggaran dasar ini kepada instansi yang berwenang.
Resolution:
• Adjusted Article 24 paragraph 5 of the Company’s Articles of Association regarding the announcement of the balance sheet and profit and loss report on the PT Bursa
Efek Indonesia website and the Company’s website, taking into account the provisions of applicable laws in the Capital Market sector.
• Agreed to appoint and grant power of attorney, with the right of substitution, to the Company’s Board of Directors or their appointed proxies to state this decision
in a Notarial Deed, including re-drafting Article 24 of the Company’s Articles of Association, and to do so be authorized to appear before a Notary, sign the deeds,
documents or letter, as well as do everything necessary to achieve the above objectives without exception, as well as request approval for changes to these articles of
association from a competent authority.
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Hasil Keputusan RUPS Tahunan tanggal 21 Juni 2023
Results of Annual GMS Resolutions on June 21, 2023
MATA ACARA RAPAT KE-6:
Perubahan Pengurus Perseroan.
Hasil keputusan:
1. Menyetujui:
a. Mengangkat kembali tuan ATIONO TEGUH BASUKI sebagai Komisaris Perseroan;
b. Mengangkat kembali nyonya FRANSISCA EKAWATI sebagai Komisaris (Independen) Perseroan;
c. Mengangkat kembali nyonya BAIQ NADEA DZURRIATIN sebagai Direktur Kepatuhan Perseroan;
d. Mengangkat kembali tuan DR. H. M. ASRORUN NI’AM SHOLEH, MA sebagai Ketua Dewan Pengawas Syariah Perseroan;
e. Mengangkat kembali tuan SHOLAHUDIN AL AIYUB, S.AG, M.SI sebagai Anggota Dewan Pengawas Syariah Perseroan;
Sehingga untuk selanjutnya susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan menjadi sebagai berikut:
DEWAN KOMISARIS
Presiden Komisaris (Independen) : Bapak RUDY HAMDANI
Komisaris : Bapak ATIONO TEGUH BASUKI
Komisaris Independen : Ibu FRANSISCA EKAWATI
DIREKSI
Presiden Direktur : Bapak DYOTA MAHOTTAMA MARSUDI
Direktur : Ibu FIRDILA SARI
Direktur : Ibu MAYANG EKAPUTRI
Direktur Kepatuhan : Ibu BAIQ NADEA DZURRIATIN
DEWAN PENGAWAS SYARIAH
Ketua : Bapak Prof. DR. H.M ASRORUN NI’AM SHOLEH, M.A
Anggota : Bapak Drs. H. SHOLAHUDIN AL AIYUB, S. Ag., M.Si
2. Memberikan kuasa kepada salah seorang Direksi Perseroan untuk menyatakan keputusan ini, baik dalam suatu akta notaris dan untuk itu dikuasakan menghadap
Notaris, menandatangani akta, dokumen atau surat-surat serta melakukan segala sesuatu yang diperlukan untuk tercapainya maksud tersebut di atas tanpa ada yang
dikecualikan sekaligus memberitahukan perubahan tersebut kepada pihak yang berwenang.
Meeting Agenda Item 6:
Changes to Company Management.
Resolution:
1. Approved:
a. Reappointing ATIONO TEGUH BASUKI as Commissioner of the Company;
b. Reappointed FRANSISCA EKAWATI as Commissioner (Independent) of the Company;
c. Reappointed BAIQ NADEA DZURRIATIN as Company Compliance Director;
d. Reappointing DR. H. M. ASRORUN NI’AM SHOLEH, MA as Chairman of the Company’s Sharia Supervisory Board;
e. Reappointing SHOLAHUDIN AL AIYUB, S.AG, M.SI as Member of the Company’s Sharia Supervisory Board;
So that henceforth the membership composition of the Company’s Board of Directors, Board of Commissioners and Sharia Supervisory Board will be as follows:
Board of Commissioners
President Commissioner (Independent) : RUDY HAMDANI
Commissioner : ATIONO TEGUH BASUKI
Independent Commissioner : FRANSISCA EKAWATI
Board of Directors
President Director : DYOTA MAHOTTAMA MARSUDI
Director : FIRDILA SARI
Director : MAYANG EKAPUTRI
Compliance Director : BAIQ NADEA DZURRIATIN
Sharia Supervisory Board
Chairman : Prof. DR. H.M ASRORUN NI’AM SHOLEH, M.A
Member : Drs. H. SHOLAHUDIN AL AIYUB, S. Ag., M.Si
2. Give authority to one of the Company’s Directors to state this decision, in a notarial deed and to do so, be authorized to appear before a Notary, sign the deeds,
documents or letters and do everything necessary to achieve the above objectives without exception, and at the same time notify these changes to the competent
authorities.
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Hasil Keputusan RUPS Tahunan tanggal 21 Juni 2023
Results of Annual GMS Resolutions on June 21, 2023
MATA ACARA RAPAT KE-7:
Pelaporan realisasi penggunaan dana hasil Penawaran Umum.
Meeting Agenda Item 7:
To report the realization of the use of funds from the Public Offering.
HASIL KEPUTUSAN:
Direksi telah melaporkan Realisasi Penggunaan Dana Hasil Penawaran Umum Perseroan per 31 (tiga puluh satu) Desember 2022 (dua ribu dua puluh dua) pada Rapat
Umum Pemegang Saham Tahunan yang dilaksanakan pada hari ini, Rabu, tanggal 21 (dua puluh satu) Juni 2023 (dua ribu dua puluh tiga).
Resolution:
The Board of Directors has reported the Realization of the Use of Proceeds from the Company’s Public Offering as of December 31 (thirty-first), 2022 (two thousand and
twenty-two) at the Annual General Meeting of Shareholders held today on Wednesday, June 21 (twenty-first), 2023 ( two thousand twenty three).
Peran, Tugas dan Tanggung Jawab Bank Aladin Syariah Board of
Dewan Komisaris dan Direksi Commissioners and Board of Directors
Bank Aladin Syariah [2-12] Roles, Duties and Responsibilities [2-12]
Dewan Komisaris memiliki tugas dan tanggung jawab untuk memastikan The Board of Commissioners’ duties and responsibilities are to ensure
pelaksanaan prinsip-prinsip GCG dalam semua aktivitas Bank di setiap the application of GCG principles in all Bank activities at every level
tingkat maupun jenjang organisasi. Berikut tugas dan tanggung jawab of the organization. The following explains the Bank’s Board of
Dewan Komisaris Bank sesuai dengan Anggaran Dasar Bank, yakni Commissioners duties and responsibilities in accordance with the
antara lain: Bank’s Articles of Association:
1. Dewan Komisaris bertugas melakukan pengawasan dan 1. The Board of Commissioners is responsible for supervising
bertanggung jawab atas pengawasan terhadap kebijakan management policies, the course of management in general,
pengurusan, jalannya pengurusan pada umumnya, baik mengenai both for the Bank and the Bank’s business, and providing advice
Bank maupun usaha Bank, dan memberi nasihat kepada Direksi. to the Board of Directors.
2. Dewan Komisaris wajib melaksanakan tugas dan tanggung jawab 2. The Board of Commissioners is obliged to carry out its duties
secara independen sesuai dengan prinsip-prinsip Good Corporate and responsibilities independently in accordance with the Good
Governance dan memastikan terselenggaranya Good Corporate Corporate Governance principles to ensure the application of
Governance dalam setiap kegiatan usaha Bank pada seluruh Good Corporate Governance in all Bank business activities at all
tingkatan organisasi. levels of the organization.
3. Setiap anggota Dewan Komisaris tidak dapat bertindak sendiri- 3. Each member of the Board of Commissioners cannot act
sendiri, melainkan berdasarkan keputusan Dewan Komisaris. independently, but must follow the decisions of the Board of
Commissioners.
4. Dalam rangka mendukung efektivitas pelaksanaan tugas dan 4. To support the effective implementation of its supervisory duties
tanggung jawabnya dalam pengawasan, Dewan Komisaris and responsibilities, the Board of Commissioners is obliged to form
wajib membentuk maupun menentukan susunan komite audit and determine the composition of the audit committee and other
maupun komite lainnya sebagaimana ditentukan oleh peraturan committees as determined by the laws and regulations in force in
perundang-undangan dan peraturan yang berlaku di pasar modal, the capital market, and is obliged to evaluate the performance of
serta berkewajiban melakukan evaluasi terhadap kinerja komite- the committees. at the end of each Bank’s fiscal year.
komite tersebut setiap akhir tahun buku Bank.
5. Direksi dan setiap anggota Direksi wajib untuk memberikan 5. The Board of Directors and each member of the Board of Directors
penjelasan tentang segala hal yang ditanyakan oleh Dewan are obliged to provide explanations regarding all matters requested
Komisaris. by the Board of Commissioners.
6. Dewan Komisaris setiap waktu dalam jam kerja kantor Bank 6. The Board of Commissioners at any time during the Bank working
berhak memasuki bangunan dan halaman atau tempat lain yang hours has the right to enter buildings and grounds or other places
dipergunakan atau yang dikuasai oleh Bank dan berhak memeriksa used or controlled by the Bank and has the right to inspect all
semua perbukuan, surat dan alat bukti lainnya, persediaan books, letters and other evidence, inventory of goods, check and
barang, memeriksa dan mencocokkan keadaan uang kas (untuk match the condition of cash (for verification purposes) and other
keperluan verifikasi) dan lain-lain surat berharga serta berhak untuk securities and has the right to know all actions that have been
mengetahui segala tindakan yang telah dijalankan oleh Direksi, carried out by the Board of Directors, in such cases the Board of
dalam hal demikian Direksi dan setiap anggota Direksi wajib untuk Directors and each member of the Board of Directors are obliged to
memberikan penjelasan tentang segala hal yang ditanyakan oleh provide explanations regarding all matters requested by members
anggota Dewan Komisaris atau tenaga ahli yang membantunya. of the Board of Commissioners or experts who assist them.
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7. Pembagian kerja di antara para anggota Dewan Komisaris diatur 7. The division of work among the members of the Board of
oleh anggota Dewan Komisaris sendiri, dan untuk kelancaran Commissioners is regulated by the members of the Board of
tugasnya Dewan Komisaris dapat dibantu oleh Sekretaris yang Commissioners themselves, and to carry out their duties smoothly
diangkat oleh Dewan Komisaris atas beban Bank. the Board of Commissioners may be assisted by a Secretary
appointed by the Board of Commissioners at the expense of the
Bank.
8. Dewan Komisaris setiap waktu berhak memberhentikan untuk 8. The Board of Commissioners has the right at any time to
sementara waktu seorang atau lebih anggota Direksi dari temporarily dismiss one or more members of the Board of
jabatannya, apabila anggota Direksi tersebut dianggap bertindak Directors from their positions, if the members of the Board of
bertentangan dengan anggaran dasar Bank dan peraturan Directors are deemed to have acted contrary to the Bank’s articles
perundang-undangan yang berlaku atau melalaikan kewajibannya of association and applicable laws and regulations or neglected
atau terdapat alasan yang mendesak bagi Bank. Pemberhentian their obligations or there are urgent reasons for the Bank. The
sementara itu wajib diberitahukan secara tertulis kepada yang temporary suspension must be notified in writing to the person
bersangkutan dengan disertai alasannya. concerned, including the reasons.
9. Dalam jangka waktu 90 hari setelah tanggal pemberhentian 9. Within 90 days after the date of the temporary dismissal, the
sementara tersebut, Dewan Komisaris wajib menyelenggarakan Board of Commissioners is obliged to hold a GMS to revoke or
RUPS untuk mencabut atau menguatkan pemberhentian confirm the temporary dismissal, while the members of the
sementara tersebut, sedangkan anggota Direksi yang diberhentikan Board of Directors who are temporarily dismissed are given
sementara itu diberi kesempatan untuk hadir guna membela diri. the opportunity to attend to defend themselves. The GMS is
RUPS dipimpin oleh Presiden Komisaris dan dalam hal Presiden chaired by the President Commissioner and in the event that the
Komisaris tidak hadir atau berhalangan yang mana tidak perlu President Commissioner is absent or absent, which does not need
dibuktikan kepada pihak ketiga maka RUPS akan dipimpin oleh to be proven to a third party, the GMS will be chaired by another
seorang anggota Dewan Komisaris lainnya, dan dalam hal tidak member of the Board of Commissioners, and in the event that no
ada seorang pun anggota Dewan Komisaris yang hadir atau member of the Board of Commissioners is present or is absent,
berhalangan, yang mana tidak perlu dibuktikan kepada pihak whichever does not need to be proven to a third party, the GMS
ketiga maka RUPS dipimpin oleh seorang yang dipilih oleh dan is chaired by a person chosen by and by the shareholders or their
dari pemegang saham atau kuasanya yang hadir dalam RUPS proxies who are present at the GMS. If the GMS is not held within
tersebut. Apabila RUPS tidak diselenggarakan dalam waktu 90 days after the date of the temporary dismissal, the temporary
90 hari setelah tanggal pemberhentian sementara tersebut, dismissal becomes null and void and the person concerned returns
pemberhentian sementara tersebut menjadi batal demi hukum to their position.
dan yang bersangkutan menduduki kembali jabatannya.
10. Apabila seluruh anggota Direksi diberhentikan untuk sementara, 10. If all members of the Board of Directors are temporarily dismissed,
maka untuk sementara Dewan Komisaris diwajibkan untuk then the Board of Commissioners is temporarily obliged to manage
mengurus Bank, sehingga kekuasaan sementara kepada seseorang the Bank, so that temporary authority is given to one or more of
atau lebih di antara mereka atas tanggungan bersama. them for joint responsibility.
11. Dalam kondisi tertentu, Dewan Komisaris wajib menyelenggarakan 11. Under certain conditions, the Board of Commissioners is obliged
RUPS Tahunan dan RUPS lainnya sesuai dengan kewenangannya to hold an Annual GMS and other GMS in accordance with its
sebagaimana diatur dalam anggaran dasar Bank dan peraturan authority as regulated in the Bank’s articles of association and
perundang-undangan. statutory regulations.
12. Dewan Komisaris dapat melakukan tindakan pengurusan Bank 12. The Board of Commissioners may take action to manage the Bank
dalam keadaan tertentu untuk jangka waktu tertentu, sebagaimana in certain circumstances for a certain period of time, as stipulated
ditetapkan dalam anggaran dasar Bank atau keputusan RUPS. in the Bank’s articles of association or GMS resolutions.
13. Dewan Komisaris wajib memastikan bahwa Direksi telah 13. The Board of Commissioners is obliged to ensure that the Board of
menindaklanjuti temuan audit dan rekomendasi dari satuan kerja Directors has followed up on audit findings and recommendations
audit intern Bank, audit ekstern, hasil pengawasan regulator, dan/ from the Bank’s internal audit work unit, external audit, results
atau hasil pengawasan otoritas lainnya (sesuai dengan peraturan of regulatory supervision, and/or results of supervision by other
yang berlaku). authorities (in accordance with applicable regulations).
14. Dewan Komisaris wajib memberitahukan secara tertulis kepada 14. The Board of Commissioners is obliged to notify the regulator in
regulator paling lambat 7 hari kerja sejak ditemukannya: writing no later than 7 working days after the discovery of:
a. Pelanggaran peraturan perundang-undangan di bidang a. Violation of laws and regulations in the financial and banking
keuangan dan perbankan; dan/atau sector; and/or
b. Keadaan atau perkiraan keadaan yang dapat membahayakan b. Circumstances or predicted circumstances that could endanger
kelangsungan Bank. the continuity of the Bank.
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15. Anggota Dewan Komisaris dilarang: 15. Members of the Board of Commissioners are prohibited from:
a. Memanfaatkan Bank untuk kepentingan pribadi, keluarga dan/ a. Using the Bank for personal, family and/or other party
atau pihak lain yang dapat mengurangi aset atau mengurangi interests which may reduce assets or reduce Bank profits; and
keuntungan Bank; dan
b. Mengambil dan/atau menerima keuntungan pribadi dari Bank, b. Take and/or receive personal benefits from the Bank, in
selain remunerasi dan fasilitas lainnya yang ditetapkan RUPS. addition to remuneration and other facilities determined
by the GMS.
16. Anggota Dewan Komisaris wajib mengungkapkan: 16. Members of the Board of Commissioners are required to disclose:
a. Kepemilikan saham yang mencapai 5% (lima persen) atau a. Share ownership of 5% (five percent) or more, both in the
lebih, baik kepada Bank yang bersangkutan maupun pada bank concerned and in other banks and companies domiciled
bank dan perusahaan lain yang berkedudukan di dalam dan at home and abroad;
di luar negeri;
b. Hubungan keuangan dan hubungan keluarga dengan anggota b. Financial and familial relationships with members of the Board
Dewan Komisaris, anggota Direksi lain dan/atau pemegang of Commissioners, other members of the Board of Directors
saham pengendali Bank; and/or controlling shareholders of the Bank;
c. Rangkap jabatan pada Bank atau Lembaga lain; dan c. Concurrent positions at a Bank or other Institution; and
d. Remunerasi dan fasilitas yang diterima bank, dalam laporan d. Remuneration and facilities received by the bank, in the Good
pelaksanaan Good Corporate Governance sebagaimana diatur Corporate Governance implementation report as regulated
dalam peraturan perundang-undangan yang berlaku. in the applicable laws and regulations.
17. Dewan Komisaris akan meneliti dan mengesahkan rencana bisnis 17. The Board of Commissioners will examine and approve the
yang tertuang dalam Rencana Bisnis Bank (RBB), termasuk di business plan contained in the Bank Business Plan (RBB), including
dalamnya rencana permodalan dan biaya operasional. capital plans and operational costs.
18. Dewan Komisaris dalam melakukan pengawasan terhadap 18. In supervising the implementation of the duties and responsibilities
pelaksanaan tugas dan tanggung jawab Direksi dilarang terlibat of the Board of Commissioners, the Board of Commissioners is
dalam pengambilan keputusan kegiatan operasional Bank, kecuali: prohibited from being involved in making decisions on the Bank’s
operational activities, except:
a. Penyediaan dana kepada pihak terkait sebagaimana diatur a. Provision of funds to related parties as regulated in OJK
dalam ketentuan OJK tentang Batas Maksimum Penyaluran provisions regarding Maximum Fund Distribution Limits; and
Dana; dan
b. Hal-hal lain yang ditetapkan dalam Anggaran Dasar Bank b. Other matters stipulated in the Bank’s Articles of Association
atau peraturan perundangan yang berlaku. Pengambilan or applicable laws and regulations. Decision making by
keputusan oleh Dewan Komisaris sebagaimana dimaksud the Board of Commissioners as intended does not negate
tidak meniadakan tanggung jawab Direksi atas pelaksanaan the responsibility of the Board of Directors from the
kepengurusan Bank. implementation of Bank management.
19. Dewan Komisaris wajib memiliki pedoman dan tata tertib yang 19. The Board of Commissioners is required to have binding guidelines
bersifat mengikat bagi setiap anggota Dewan Komisaris yang and rules for each member of the Board of Commissioners that
paling kurang mencantumkan: at least include:
a. Waktu kerja; dan a. Working time; and
b. Pengaturan rapat. b. Meeting arrangements.
20. Dalam hal hanya ada seorang anggota Dewan Komisaris, segala 20. In the event that there is only one member of the Board of
tugas dan wewenang yang diberikan kepada Presiden Komisaris Commissioners, all duties and authorities granted to the President
atau anggota Dewan Komisaris dalam Anggaran Dasar Bank berlaku Commissioner or members of the Board of Commissioners in the
pula baginya. Bank’s Articles of Association also apply to them.
Dewan Pengawas Syariah memiliki tugas dan tanggung jawab yang The Sharia Supervisory Board’s duties and responsibilities that have
telah disesuaikan dengan prinsip Syariah, di antaranya: been adapted to Sharia principles, including:
1. Sebagai perwakilan DSN-MUI yang ditempatkan pada Bank; 1. As a DSN-MUI representative assigned to the Bank;
2. Mengawasi produk dan kegiatan usaha Bank agar produk dan 2. Supervising the Bank’s products and business activities so that the
aktivitasnya sesuai dengan Prinsip Syariah; products and activities comply with Sharia Principles;
3. Membuat Opini Syariah atas permintaan/pertanyaan dan/atau 3. Preparing a Sharia Opinion based on requests/questions and/or
temuan aspek syariah di Bank; findings on sharia aspects in the Bank;
4. Menilai dan memastikan pemenuhan Prinsip Syariah atas pedoman 4. Assessing and ensuring compliance with Sharia Principles for
operasional dan produk yang dikeluarkan Bank; operational and product guidelines issued by the Bank;
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5. Mengawasi proses pengembangan produk baru Bank agar sesuai 5. Supervising the Bank’s new product development process so that
dengan Prinsip Syariah; it complies with Sharia Principles;
6. Meminta fatwa kepada DSN-MUI untuk produk baru Bank yang 6. Requesting a fatwa from DSN-MUI for new Bank products for
belum ada fatwanya; which there is no fatwa;
7. Melakukan reviu secara berkala atas pemenuhan Prinsip Syariah 7. Conducting regular reviews on the fulfillment of Sharia Principles
terhadap mekanisme penghimpunan dana dan penyaluran dana in the mechanisms for collecting funds and channeling funds as
serta pelayanan jasa Bank; well as Bank services;
8. Membuat laporan hasil pengawasan DPS secara semesteran yang 8. Preparing a semi-annual report on the results of DPS supervision
memuat hasil pelaksanaan tugas dan wewenang DPS selama 1 containing the results of the DPS’ duties and authority for 1 (one)
(satu) semester, yang meliputi antara lain: kertas kerja pengawasan semester, including: supervisory working papers on the Bank’s new
terhadap proses pengembangan produk baru Bank; dan kertas product development process; and supervisory working papers
kerja pengawasan terhadap kegiatan Bank dan menyampaikan on Bank activities and submitting these reports to the Board of
laporan tersebut kepada Direksi, Dewan Komisaris, DSN-MUI Directors, Board of Commissioners, DSN-MUI and OJK. This report
dan OJK. Laporan tersebut wajib disampaikan kepada OJK must be submitted to OJK no later than 2 (two) months after the
paling lambat 2 (dua) bulan setelah periode semester dimaksud semester period in question ends. DPS is guided by the Company’s
berakhir. DPS berpedoman pada Anggaran Dasar Perusahaan, Articles of Association, GCG Policy, AD/ART DSN-MUI in carrying
Kebijakan GCG, AD/ART DSN-MUI dalam melaksanakan tugas dan out its duties and responsibilities. Furthermore, to support the
tanggung jawabnya. Selanjutnya untuk mendukung pelaksanaan DPS duties, the Bank appoints 1 (one) employee as an officer
tugas DPS, Bank menunjuk 1 (satu) karyawan sebagai petugas who carries out the function of liaison officer and carries out
yang menjalankan fungsi liaison officer dan melakukan fungsi secretarial functions and archive/administrative management
kesekretariatan serta pengelolaan arsip/ administrasi bagi DPS for DPS (Syariah Management).
(Syariah Management).
Berdasarkan Anggaran Dasar, Direksi bertanggung jawab penuh Based on the Articles of Association, the Board of Directors is fully
menjalankan tugasnya untuk kepentingan Bank dalam mencapai responsible for carrying out its duties for the benefit of the Bank in
maksud dan tujuannya berdasarkan prinsip kehati-hatian dan Prinsip achieving its aims and objectives based on prudential principles and
Syariah. Direksi juga melaksanakan prinsip-prinsip GCG dalam setiap Sharia Principles. The Board of Directors also applies GCG principles in
kegiatan usaha Bank pada seluruh tingkatan dan jenjang organisasi. all Bank business activities at all levels of the organization. The Board of
Direksi memiliki pedoman dan tata tertib kerja yang tercantum dalam Directors has work guidelines and rules in the Articles of Association,
Anggaran Dasar, pembagian dan tugas dan tanggung jawab Direksi (job division of the Board of Directors duties and responsibilities (job
description), Terms of Reference (TOR) Rapat BOD, dan Kebijakan GCG. description), Terms of Reference (TOR) for BOD Meetings, and GCG
Pelaksanaan tugas dan tanggung jawab Direksi meliputi antara lain: Policy. The Board of Directors duties and responsibilities includes:
1. Direksi bertugas menjalankan dan bertanggung jawab atas 1. The Board of Directors is tasked with carrying out and being
pengurusan Bank untuk kepentingan Bank sesuai dengan maksud responsible for managing the Bank for the Bank’s interests in
dan tujuan Bank yang ditetapkan dalam ketentuan peraturan accordance with the Bank’s aims and objectives as stipulated in
perundang-undangan, anggaran dasar, dan keputusan RUPS. the provisions of laws and regulations, the articles of association
and GMS resolutions.
2. Direksi wajib melaksanakan tugas, wewenang, dan tanggung jawab 2. The Board of Directors is obliged to carry out their duties,
dengan itikad baik dan dengan prinsip kehati-hatian. authorities and responsibilities in good faith and follow the
prudential principle.
3. Direksi berwenang mewakili Bank sesuai dengan ketentuan 3. The Board of Directors has the authority to represent the Bank
peraturan perundang-undangan, anggaran dasar, dan keputusan in accordance with the provisions of laws and regulations, the
RUPS. articles of association and GMS resolutions.
4. Direksi menerapkan tata kelola yang baik pada Bank, manajemen 4. The Board of Directors implements good governance at the Bank,
risiko, dan kepatuhan secara terintegrasi yang disesuaikan dengan risk management and compliance in an integrated manner that
perkembangan ekosistem perbankan terkini serta didukung dengan is adapted to the latest developments in the banking ecosystem
digitalisasi dan inovasi teknologi. and is supported by digitalization and technological innovation.
5. Dalam rangka melaksanakan Good Corporate Governance, Direksi 5. To implement Good Corporate Governance, the Board of Directors
wajib memiliki fungsi paling kurang: must have at least the following functions:
a. Audit Intern (SKAI). a. Internal Audit (SKAI).
b. Manajemen Risiko dan Komite Manajemen Risiko. b. Risk Management and Risk Management Committee.
c. Kepatuhan. c. Compliance.
Fungsi-fungsi tersebut telah beroperasi secara independen These functions must operate independently and separately
dan terpisah dari unit operasional lainnya. from other operational units.
6. Direksi harus mengungkapkan kepada pegawai mengenai kebijakan 6. The Board of Directors must disclose to employees the Bank’s
internal Bank yang bersifat strategis di bidang kepegawaian. strategic internal policies in the field of personnel.
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7. Dalam pengelolaan data dan informasi terkait Bank, Direksi wajib: 7. When managing data and information related to the Bank, the
Board of Directors is obliged to:
a. Memiliki dan menyediakan data dan informasi yang akurat, a. Own and provide accurate, relevant and timely data and
relevan, dan tepat waktu kepada Dewan Komisaris dan Dewan information to the Board of Commissioners and Sharia
Pengawas Syariah; dan Supervisory Board; and
b. Melaksanakan pengelolaan data dan informasi sesuai dengan b. Carry out data and information management in accordance
tata kelola yang baik dan ketentuan peraturan perundang- with good governance and statutory provisions.
undangan.
8. Direksi hanya dapat menggunakan jasa konsultan, penasihat, 8. The Board of Directors may only use the services of consultants,
atau yang dapat dipersamakan dengan itu sepanjang memenuhi advisors, or equivalent as long as they meet the following
persyaratan sebagai berikut: requirements:
a. Untuk proyek bersifat khusus; a. For special projects;
b. Berdasarkan pada kontrak kerja yang jelas; b. Based on a clear employment contract;
c. Dilaksanakan oleh pihak independen yang memiliki c. Carried out by an independent party who has certain technical
pengetahuan teknis tertentu dengan standar kualifikasi knowledge with adequate skill qualification standards to work
keahlian yang memadai untuk mengerjakan proyek yang on special projects as referred to in point no. 1);
bersifat khusus sebagaimana yang dimaksud pada poin no 1);
d. Dilaksanakan oleh pihak yang tidak menduduki jabatan d. Executed by parties who do not hold structural positions at
struktural pada Bank; dan the Bank; and
e. Dilaksanakan oleh pihak yang tidak mempunyai wewenang e. Executed by parties who do not have the authority to make
untuk membuat keputusan operasional Bank. operational decisions of the Bank.
9. Berkaitan dengan tindakan yang merupakan transaksi material 9. In relation to actions that constitute material transactions and/or
dan/atau benturan kepentingan yang dimaksud di dalam peraturan conflicts of interest as referred to in OJK regulations, the Board of
OJK, Direksi harus memenuhi persyaratan yang ditentukan di Directors must fulfill the requirements specified in OJK regulations.
dalam peraturan OJK.
10. Direksi wajib menindaklanjuti temuan audit dan/atau rekomendasi 10. The Board of Directors is obliged to follow up on audit findings
dari hasil pengawasan regulator, audit intern, Dewan Pengawas and/or recommendations from the results of supervision by the
Syariah dan/atau auditor eksternal. regulator, internal audit, Sharia Supervisory Board and/or external
auditors.
11. Direksi wajib mempertanggungjawabkan pelaksanaan tugasnya 11. The Board of Directors is obliged to be accountable for the
kepada pemegang saham melalui RUPS. implementation of their duties to shareholders through the GMS.
12. Anggota Direksi dilarang memberikan kuasa umum kepada pihak 12. Members of the Board of Directors are prohibited from granting
lain yang mengakibatkan pengalihan tugas dan fungsi Direksi. general power of attorney to other parties that results in the
transfer of the duties and functions of the Board of Directors.
13. Setiap keputusan Direksi bersifat mengikat dan menjadi tanggung 13. All decisions of the Board of Directors are binding and the
jawab seluruh anggota Direksi. responsibility of all members of the Board of Directors.
14. Direksi bertanggung jawab atas pelaksanaan kebijakan Manajemen 14. The Board of Directors is responsible for the application of Risk
Risiko dan eksposur risiko yang diambil oleh Bank secara Management policies and risk exposure taken by the Bank as
keseluruhan. Dalam kerangka ini Direksi telah menyusun dan a whole. Within this framework, the Board of Directors has
menetapkan mekanisme persetujuan transaksi, mengevaluasi developed and established a transaction approval mechanism,
dan memutuskan transaksi yang memerlukan persetujuan Direksi, evaluated and decided on transactions that require approval from
dan mengembangkan budaya manajemen risiko pada seluruh the Board of Directors, and developed a risk management culture
jenjang organisasi. at all levels of the organization.
15. Direksi telah menyusun Rencana Bisnis Bank (RBB) secara realistis, 15. The Board of Directors has prepared a realistic, comprehensive
komprehensif, dan terukur dengan memperhatikan prinsip-prinsip and measurable Bank Business Plan (RBB) by taking into account
kehati-hatian dan responsif terhadap perubahan internal dan the prudential principle, and being responsive to internal and
eksternal. Direksi juga telah mengkomunikasikan RBB kepada external changes. The Board of Directors has also communicated
pemegang saham Bank dan seluruh jenjang organisasi yang ada the RBB to the Bank’s shareholders and all levels of organizations
di Bank, antara lain melalui forum town-hall dan rapat staf yang in the Bank, through town-hall forums and staff meetings that
diadakan secara reguler. are held regularly.
16. Direksi telah menyediakan program-program pelatihan bagi seluruh 16. The Board of Directors has provided training programs for all
karyawan dalam rangka peningkatan keahlian dan kemampuan employees to continuously develop employee skills and abilities.
karyawan secara berkelanjutan.
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Evaluasi dan Penilaian Kinerja Performance Evaluation and
Dewan Komisaris dan Direksi Assessment of Bank Aladin Syariah
Bank Aladin Syariah [2-18] Board of Commissioners and
Board of Directors [2-18]
Penilaian kinerja Dewan Komisaris dan Direksi dilakukan secara kolegial The performance assessment of the Board of Commissioners and
melalui beberapa jenis prosedur, antara lain sebagai berikut: Board of Directors is carried out collegally through several procedures,
including the following:
1. Penilaian oleh RUPS 1. Assessment by the GMS
Penilaian kinerja Dewan Komisaris dan Direksi dilakukan The performance assessment of the Board of Commissioners
oleh Pemegang Saham dalam RUPS, berdasarkan laporan and Board of Directors is carried out by Shareholders at the
pertanggungjawaban terhadap pelaksanaan fungsi, serta tugas GMS, based on accountability reports on the implementation of
dan tanggung jawab Dewan Komisaris dan Direksi. Adapun hasil functions, as well as the duties and responsibilities of the Board
penilaian kinerja Dewan Komisaris dan Direksi untuk tahun 2023 of Commissioners and Board of Directors. The performance
terkait dengan penilaian pada aspek-aspek berikut ini: assessment results of the Board of Commissioners and Board of
Directors for 2023 are based on criteria as per below:
a. Efektivitas Peran Komisaris dan Direksi a. Effectiveness of the Role of Commissioners and Directors
b. Efektivitas Pelaksanaan Strategi dan Pengelolaan Bank b. Effectiveness of Bank Strategy and Management
Implementation
c. Efektivitas Rapat, Etika Kerja dan Dinamika DIreksi c. Meeting Effectiveness, Work Ethics and Board of Directors
d. Penerapan Tata Kelola Perusahaan yang Baik dan Prinsip Dynamics
Keberlanjutan Efektivitas Penerapan Manajemen Risiko dan d. Good Corporate Governance Implementation and
Pengendalian Intern Sustainability Principles Effectiveness for Risk Management
and Internal Control
2. Penilaian Berdasarkan Self Assessment GCG 2. Assessment Based on GCG Self Assessment
Penilaian kinerja Dewan Komisaris dan Direksi dilakukan juga The Board of Commissioners and Board of Directors performance
berdasarkan self assessment yang mengacu pada Surat Edaran OJK assessment is also carried out based on self-assessment that
No. 10/SEOJK.03/2014 tentang Penilaian Tingkat Kesehatan Bank refers to OJK Circular Letter No. 10/SEOJK.03/2014 concerning
Umum Syariah dan Unit Usaha Syariah. Adapun hasil penilaian Assessment of the Health Level of Sharia Commercial Banks and
kinerja Dewan Komisaris dan Direksi untuk tahun 2023 adalah Sharia Business Units. The performance assessment results of
sebagaimana yang terlampir berikut ini: the Board of Commissioners and Board of Directors for 2023 are
shown below:
a. Pelaksanaan tugas dan tanggung jawab Direksi memperoleh a. The implementation of the Board of Directors duties and
peringkat 1. responsibilities received a rating of 1.
b. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris b. The implementation of the Board of Commissioners duties
memperoleh peringkat 1. and responsibilities received a rating of 1.
Secara komprehensif, Dewan Komisaris dan Direksi telah menjalankan Comprehensively, the Board of Commissioners and Board of Directors
tugas dan tanggung jawabnya dengan baik. Sepanjang tahun 2023, have carried out their duties and responsibilities well. Throughout
Dewan Komisaris telah melakukan pengawasan dan memberikan 2023, the Board of Commissioners supervised and provided advice
nasihat kepada Direksi dengan baik, bertanggung jawab, dan mengacu to the Board of Directors in a good, responsible manner by referring
pada ketentuan yang berlaku demi kepentingan Bank. Adapun fokus to applicable regulations in the interests of the Bank. The supervisory
pengawasan dan pemberian nasihat yang diberikan mencakup and advisory focus included holding meetings to discuss issues related
pengadaan rapat terkait pembahasan persoalan yang berhubungan to Bank management, and for evaluating the Bank’s performance.
dengan manajemen Bank dan mengevaluasi kinerja Bank.
Dewan Komisaris juga memberikan rekomendasi pelaksanaan prinsip- The Board of Commissioners also provides recommendations on the
prinsip GCG, melakukan tindakan pengawasan terhadap kebijakan application of GCG principles, supervisory actions over the Bank’s
pengurusan Bank, dan memberikan nasihat serta rekomendasi kepada management policies, and provides advice and recommendations
Direksi guna memastikan bahwa bisnis dan usaha Bank berjalan dengan to the Board of Directors to ensure that the Bank’s business and
baik. Adapun penilaian kinerja Direksi, tercermin dari hasil kinerja Bank operations run well. The Board of Directors performance assessment
di tahun buku, di mana Bank Aladin Syariah mampu mencatatkan can be seen in the Bank’s performance results in the fiscal year, where
hasil yang positif untuk mencapai pertumbuhan yang berkelanjutan. Bank Aladin Syariah recorded positive results to achieve sustainable
growth.
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Tata Kelola Remunerasi Dewan Komisaris Remuneration Governance of Bank
dan Direksi Bank Aladin Syariah [2-19; 2-20] Aladin Syariah Board of Commissioners
and Board of Directors [2-19; 2-20]
RUPS memiliki kewenangan untuk menetapkan paket remunerasi yang The GMS has the authority to determine the remuneration given to
diberikan kepada Dewan Komisaris, Direksi, dan Dewan Pengawas the Board of Commissioners, Board of Directors and Sharia Supervisory
Syariah. Paket remunerasi dan fasilitas lainnya yang ditetapkan dalam Board. Remuneration packages and other facilities determined at the
RUPS, antara lain: GMS include:
1. Remunerasi yaitu penghasilan dalam bentuk uang (non natura) 1. Remuneration, namely income in the form of money (non-natura),
antara lain gaji, tunjangan (benefit), kompensasi dalam bentuk including salaries, benefits, compensation in the form of shares,
saham, bonus dan bentuk remunerasi lainnya, dan bonuses and other forms of remuneration, and
2. Fasilitas lain yaitu fasilitas yang diterima tidak dalam bentuk uang 2. Other facilities, namely facilities received that are not in the form
(natura), antara lain fasilitas perumahan, fasilitas transportasi, of money (natura), including housing facilities, transportation
fasilitas asuransi kesehatan, fasilitas telekomunikasi, dan fasilitas facilities, health insurance facilities, telecommunications facilities,
lainnya yang dapat dimiliki maupun tidak dapat dimiliki. and other facilities that may or may not be owned.
Sementara itu, Dewan Komisaris membentuk Komite Nominasi dan While the Board of Commissioners established a Nomination and
Remunerasi dengan tujuan untuk menilai, memantau, mengevaluasi Remuneration Committee to assess, monitor, evaluate and ensure
dan memastikan pelaksanaan sistem nominasi dan remunerasi sesuai the nomination and remuneration system in accordance with the
dengan Anggaran Dasar Bank dan peraturan yang berlaku. Tugas dan Bank’s Articles of Association and applicable regulations. The Bank’s
tanggung jawab anggota Komite Nominasi dan Remunerasi Bank Nomination and Remuneration Committee members duties and
adalah sebagai berikut: responsibilities are as follows:
1. Terkait Kebijakan Remunerasi: 1. Regarding Remuneration Policy:
a. Melakukan evaluasi terhadap kebijakan remunerasi. a. Evaluate remuneration policies.
b. Melakukan evaluasi terhadap kesesuaian antara kebijakan b. Evaluate the suitability of remuneration policies with the
remunerasi dengan pelaksanaan kebijakan tersebut. implementation of these policies.
c. Memberikan rekomendasi kepada Dewan Komisaris mengenai c. Provide recommendations to the Board of Commissioners
kebijakan remunerasi bagi Dewan Komisaris, Direksi, Dewan regarding remuneration policies for the Board of
Pengawas Syariah, Pejabat Eksekutif dan pegawai secara Commissioners, Board of Directors, Sharia Supervisory Board,
keseluruhan. Executive Officers and employees as a whole.
2. Terkait Kebijakan Nominasi: 2. Regarding Nomination Policy:
a. Memberikan rekomendasi kepada Dewan Komisaris mengenai a. Provide recommendations to the Board of Commissioners
sistem serta prosedur pemilihan dan/atau penggantian regarding the system and procedures for selecting and/or
anggota Dewan Komisaris, Direksi dan Dewan Pengawas replacing members of the Board of Commissioners, Board
Syariah. of Directors and Sharia Supervisory Board.
b. Memberikan rekomendasi kepada Dewan Komisaris mengenai b. Provide recommendations to the Board of Commissioners
calon anggota Dewan Komisaris, Direksi dan/atau Dewan regarding prospective members of the Board of Commissioners,
Pengawas Syariah. Board of Directors and/or Sharia Supervisory Board.
c. Memberikan rekomendasi kepada Dewan Komisaris mengenai c. c) Provide recommendations to the Board of Commissioners
calon pihak independen yang akan menjadi anggota Komite. regarding independent party candidates who will become
members of the Committees.
Berikut disampaikan rasio kompensasi total tahunan Bank Aladin The following shows the annual total compensation ratio in Bank
Syariah. [2-21] Aladin Syariah. [2-21]
Perihal
2023 2022 2021
Subject
Rasio Gaji Pegawai yang Tertinggi dan Terendah 40,5:1 40,3: 1 28,3 : 1
Ratio of Highest and Lowest Employee Salaries
Rasio Gaji Direksi yang Tertinggi dan Terendah 1,9:1 2,4 : 1 2,2 : 1
Ratio of Highest and Lowest Director Salaries
Rasio Gaji Komisaris yang Tertinggi dan Terendah 2,7:1 2,2 : 1 2,0 : 1
Highest and Lowest Commissioner Salary Ratio
Rasio Gaji Direksi Tertinggi dan Pegawai Tertinggi 1,2:1 1,1 : 1 1,4 : 1
Salary Ratio of Highest Director and Highest Employee
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Tata Kelola Keberlanjutan dan Penanggung
Jawab Pelaksanaan Kinerja Keberlanjutan
[E.1] [2-9] [2-13]
Sustainability Governance and Persons Responsible for
Implementing Sustainability Performance [E.1] [2-9] [2-13]
Di dalam struktur tata kelola sebagaimana telah disampaikan di atas, Within the governance structure as shown above, the Board of Directors
Direksi telah membentuk Komite Eksekutif Keberlanjutan sebagai has established a Sustainability Executive Committee as the party
pihak yang bertanggung jawab untuk mengambil keputusan dan responsible for making decisions and overseeing the management of
mengawasi manajemen dampak Bank terhadap ekonomi, lingkungan, the Bank’s impact on the economy, environment and communities to
dan masyarakat untuk memastikan penerapan keberlanjutan pada ensure the implementation of sustainability in all operational aspects of
seluruh aspek operasional Bank Aladin Syariah. Pembentukan dan Bank Aladin Syariah. The formalization of this Committee’s duties and
penetapan tugas serta tanggung jawab dari Komite ini tertuang dalam responsibilities are detailed in the Sustainability Executive Committee
Piagam Komite Eksekutif Keberlanjutan yang disahkan melalui Surat Charter that was ratified through the Board of Directors’ Decree No. SK
Keputusan Direksi Nomor SK 001.BOD/03.2022 tanggal 14 Maret 2022 001.BOD/03.2022 dated March 14, 2022 concerning the Sustainability
tentang Komite Eksekutif Keberlanjutan. Executive Committee.
Di samping itu, Bank juga membentuk Divisi Sustainability sebagai The Bank has also established a Sustainability Division as the person
penanggung jawab penerapan keuangan berkelanjutan sesuai responsible for implementing sustainable finance in accordance with
dengan Surat Keputusan Direksi No. Srt.181.HCD/03.2022 tanggal the Board of Directors’ Decree No. Srt.181.HCD/03.2022 dated March
25 Maret 2022 tentang Divisi Sustainability dan Pengangkatan Head 25, 2022 concerning the Sustainability Division and the Appointment of
of Sustainability. Dalam menjalankan tugasnya, Divisi Sustainability the Head of Sustainability. In carrying out its duties, the Sustainability
berkoordinasi secara berkala dengan Kelompok Kerja Keberlanjutan Division coordinates regularly with the Sustainability Champions team in
(Sustainability Champions) dalam menyusun dan melaksanakan preparing and implementing the Sustainable Finance Action Plan (SFAP).
Rencana Aksi Keuangan Berkelanjutan (RAKB).
Penetapan Divisi Sustainability tersebut merupakan kepatuhan Bank The Bank’s determination of the Sustainability Division was in
terhadap Peraturan OJK No. 51/POJK.03/2017 tentang Penerapan compliance with OJK Regulation No. 51/POJK.03/2017 concerning
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan the Implementation of Sustainable Finance for Financial Services
Perusahaan Publik, yang di dalamnya antara lain, mengatur tentang Institutions, Issuers and Public Companies, which regulates the
adanya pegawai, pejabat dan/atau unit kerja yang menjadi penanggung employees, officials and/or work units responsible for implementing
jawab penerapan keuangan berkelanjutan. Tugas dan wewenang Divisi sustainable finance. The Sustainability Division duties and authorities
Sustainability adalah sebagai berikut: are as follows:
1. Menyusun dan/atau memperbaharui strategi, roadmap, dan 1. Developing and/or updating sustainable finance strategies,
rencana kerja keuangan berkelanjutan, termasuk Rencana Aksi roadmaps and work plans, including the Sustainable Finance
Keuangan Berkelanjutan (RAKB). Action Plan (SFAP).
2. Menyusun dan/atau memperbarui target pencapaian yang 2. Developing and/or updating achievement targets related to the
berhubungan dengan pelaksanaan program keberlanjutan Bank implementation of the Bank’s sustainability program in accordance
sesuai dengan kondisi dan kebutuhan Bank. with the Bank’s conditions and needs.
3. Menyusun dan/atau memperbaharui tata kelola, kebijakan, 3. Developing and/or updating governance, policies and procedures
dan prosedur yang berhubungan dengan pelaksanaan program related to the implementation of the Bank’s sustainability program.
keberlanjutan Bank.
4. Bertanggung jawab terhadap pelaksanaan program keberlanjutan 4. Responsible for implementing the Bank’s sustainability program
Bank di setiap aktivitas operasional. in all operational activities.
5. Bertanggung jawab terhadap pelaksanaan program tanggung 5. Responsible for implementing corporate social responsibility
jawab perusahaan (corporate social responsibility). programs.
6. Melakukan kajian terhadap peraturan dan perkembangan 6. Conducting studies on sustainability regulations and developments,
keberlanjutan, baik di tingkat nasional maupun internasional. at the national and international levels.
7. Memberikan saran terkait perbaikan dan/atau penyempurnaan 7. Providing suggestions regarding improvements and/or
terhadap aspek keberlanjutan perusahaan sesuai dengan hasil enhancements to the company’s sustainability aspects in
kajian. accordance with the results of the studies.
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8. Menyusun Laporan Keberlanjutan tahunan sesuai dengan standar 8. Preparing Sustainability Reports annually in accordance with
yang berlaku. applicable standards.
Struktur Organisasi Keberlanjutan
Sustainability Organizational Structure
Dewan Komisaris
Board of Commissioners Dewan Pengawas Syariah
Sharia Supervisory Board
Komite Eksekutif Keberlanjutan
Presiden Direktur Sustainability Executive Commitee
President director
Direktur Keuangan
Finance Director
Sustainability Champions Divisi Sustainability
Sustainability Champions Sustainability Division
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Pengembangan Kompetensi Keberlanjutan
Dewan Komisaris, Direksi, dan Unit Kerja
Penanggung Jawab Keberlanjutan [E.2] [2-17]
Sustainability Competency Development of the Board
of Commissioners, Board of Directors and Work Units
Responsible for Sustainability [E.2] [2-17]
Bank memberikan fasilitas bagi Dewan Komisaris, Dewan Pengawas The Bank provides facilities for the Board of Commissioners, Sharia
Syariah, Direksi, Komite Eksekutif Keberlanjutan dan Divisi Sustainability Supervisory Board, Board of Directors, Sustainability Executive
sebagai penanggung jawab pelaksanaan inisiatif keberlanjutan Committee and Sustainability Division, as those responsible for
Bank, serta divisi-divisi yang terkait dengan penerapan keuangan implementing the Bank’s sustainability initiatives, as well as divisions
berkelanjutan untuk meningkatkan kompetensi, termasuk yang related to the implementation of sustainable finance to develop
berkaitan dengan keuangan berkelanjutan. Program pengembangan competencies related to sustainable finance. Competency development
kompetensi yang diikuti dapat berupa pelatihan, workshop, programs followed can be in the form of training, workshops, seminars,
seminar, conference, kursus, lokakarya dan sebagainya, baik yang conferences, courses, workshops and others, held domestically and
diselenggarakan di dalam negeri maupun di luar negeri. abroad.
Pengembangan kompetensi yang diikuti Dewan Komisaris, Dewan Competency development participated in by the Board of
Pengawas Syariah, Direksi, Komite Eksekutif Keberlanjutan dan Divisi Commissioners, Sharia Supervisory Board, Board of Directors,
Sustainability, serta divisi-divisi yang terkait dengan penerapan Sustainability Executive Committee and Sustainability Division, as
keuangan berkelanjutan dan prinsip-prinsip keberlanjutan dapat well as divisions related to the implementation of sustainable finance
dilihat di bawah ini. and sustainability principles are as follows.
Nama Jabatan Nama Training Penyelenggara Tanggal Training
Name Position Training Name Organizer Training Date
Rudy Hamdani Presiden Komisaris Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
President Commissioner February 17, 2023
Fransisca Ekawati Komisaris Independen Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
Independent Commissioner February 17, 2023
Ationo Teguh B. Komisaris Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
Commissioner February 17, 2023
Dyota Marsudi Presiden Direktur Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
President Director February 17, 2023
Mayang Ekaputri Direktur Finance Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
Finance Director February 17, 2023
Firdila Sari Direktur Digital Banking Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
Digital Banking Director February 17, 2023
Baiq Nadea Direktur Compliance Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
Compliance Director February 17, 2023
Willy Hambali Chief Operations & Strategy Officer Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
February 17, 2023
Stefen Loekito Chief Commercial Officer Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
February 17, 2023
Linda Setiawan Chief People, Culture & Diversity Officer Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
February 17, 2023
Budi Kusmiantoro Chief Technology Officer Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
February 17, 2023
Budi Soedarpo Chief Risk Officer Sustainable Finance Trisakti Sustainability Center 17 Februari 2023
February 17, 2023
Fibrian Aditia Widiansah Manager Retail Financing Risk Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
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Nama Jabatan Nama Training Penyelenggara Tanggal Training
Name Position Training Name Organizer Training Date
Danik Erawati Manager Non Retail Financing Risk Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
Prasetyaningsih December 7, 2023
Genida Pramesti Assistant Relationship Manager Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Ibnu Fajar Nur Hakim Manager Financing Relationship Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Irene Elfriyanti Silalahi Manager Financing Relationship Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Ryandi Muzamil, SE Assistant Relationship Manager Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
M Ari Adriansyah Manager Financing Relationship Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Harfi Maulana Manager Financing Relationship Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Eka Dwi Jayanti Assistant Relationship Manager Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Muhammad Ayyub Manager Financing Relationship Management Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
Aulia, SH December 7, 2023
Ahmad Istikhori Manager Business Planning and Revenue Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
Assurance, Financing December 7, 2023
Joko Purwanto Manager Business Planning and Revenue Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
Assurance, Financing December 7, 2023
Anri Bernando Financing Admin Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
Rajagukguk December 7, 2023
Robbianto - Financing Analyst Officer Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Ruth Artia Heldifanny Manager Governance, Policy & Reporting Sustainable Finance Trisakti Sustainability Center 7 Desember 2023
December 7, 2023
Nyoman Yogi Head of Sustainability Business and Human Rights UN Global Compact Februari - Juni 2023
Accelerator February - June 2023
Nyoman Yogi Head of Sustainability Climate Targets Setting UN Environment Programme Februari 2023
Foundations Workshop Finance Initiative February 2023
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Penilaian Risiko atas Penerapan Keberlanjutan
[E.3] [2-23]
Risk Assessment of Sustainability Implementation [E.3] [2-23]
Mengembangkan Sistem Developing a Risk Management System
Manajemen Risiko sebagai Bagian as Part of the Prevention Principle
dari Prinsip Pencegahan
Merujuk pada ketentuan Bank Indonesia (BI) serta best practices, Bank By referring to Bank Indonesia (BI) regulations and best practices,
Aladin Syariah menerapkan manajemen risiko secara independen Bank Aladin Syariah implements independent risk management
dilaksanakan berdasarkan prinsip-prinsip syariah. Misi Bank dalam based on sharia principles. The Bank’s risk management mission is
manajemen risiko adalah mempersiapkan kerangka dan metodologi to prepare an appropriate framework and methodology for effective
yang sesuai untuk pengelolaan risiko secara efektif. Tujuan pengelolaan risk management. Risk management objectives include developing
risiko mencakup pengembangan pendekatan dan metodologi baku a standard approach and methodology for managing Bank risks,
dalam mengelola risiko Bank, mempertegas struktur fungsional strengthening the functional structure including objectives, roles
termasuk tujuan, peran dan tanggung jawab, serta menumbuhkan and responsibilities, and fostering a culture of risk awareness in the
budaya sadar akan risiko di Bank secara keseluruhan. Bank as a whole.
Dalam melakukan kegiatan usaha, Bank melakukan pengelolaan risiko In operating the business, the Bank carries out risk management
untuk 10 (sepuluh) jenis risiko sesuai ketentuan Peraturan Otoritas of 10 (ten) types of risk in accordance with the provisions in the
Jasa Keuangan (POJK) No. 65/POJK.03/2016 tanggal 23 Desember Financial Services Authority Regulation (POJK) No. 65/POJK.03/2016
2016 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah dated December 23, 2016 concerning the Implementation of Risk
dan Unit Usaha Syariah yaitu risiko kredit, risiko pasar, risiko likuiditas, Management in Sharia Commercial Banks and Sharia Business
risiko operasional, risiko hukum, risiko reputasi, risiko strategik, risiko Units, namely credit risk, market risk, liquidity risk, operational risk,
kepatuhan, risiko imbal hasil, dan risiko investasi yang telah dituangkan legal risk, reputational risk, strategic risk, compliance risk, yield risk,
dalam Kebijakan Umum Manajemen Risiko (KUMR). and investment risk, which have been outlined in the General Risk
Management Policy (KUMR).
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Mengacu kepada Kebijakan Manajemen Risiko, pengelolaan risiko yang Referring to the Risk Management Policy, risk management carried
dilakukan oleh Bank mencakup aspek-aspek berikut: out by the Bank includes the following aspects:
1. Pengawasan aktif Dewan Komisaris dan Direksi, termasuk Dewan 1. Active supervision by the Board of Commissioners and Board of
Pengawas Syariah; Directors, including the Sharia Supervisory Board;
2. Kecukupan kebijakan, prosedur, dan penetapan limit; 2. Adequacy of policies, procedures and limit determination;
3. Kecukupan proses identifikasi, pengukuran, pemantauan dan 3. Adequacy of risk identification, measurement, monitoring and
pengendalian risiko serta sistem informasi manajemen risiko; dan control processes and the risk management information systems;
and
4. Sistem pengendalian intern yang menyeluruh. 4. Comprehensive internal control system.
Bank Aladin Syariah telah menanamkan budaya manajemen risiko di Bank Aladin Syariah has instilled a risk management culture at all levels
seluruh jenjang organisasi dan memastikan peningkatan kompetensi of the organization and ensured continuous competency development
sumber daya manusia terkait secara berkesinambungan. Di samping for related human capital. In addition, the Bank also ensures that the
itu, Bank juga memastikan bahwa fungsi manajemen risiko dilakukan risk management function is carried out independently through the
secara independen melalui pendekatan Three Lines of Defense, yang Three Lines of Defense approach, which regulates a clear division of
mengatur pembagian tanggung jawab yang jelas atas kepemilikan responsibility for risk ownership between work units in the Bank. This
risiko antar berbagai unit kerja di Bank. Pembagian tersebut meliputi: division includes:
1. Lini 1: Risk Taking Unit 1. Line 1: Risk Taking Unit
Unit Bisnis merupakan Risk Taking Unit yang bertanggung jawab Business Units are Risk Taking Units that are responsible for
mengelola risiko secara keseluruhan dalam ruang lingkup tanggung managing overall risks within the scope of their responsibilities.
jawab mereka. Unit tersebut harus secara jelas mengidentifikasi, The units must clearly identify, measure, monitor, control and
mengukur, memonitor, mengontrol, dan menetapkan mitigasi yang establish appropriate mitigation before entering into any risk-
tepat sebelum memasuki setiap aktivitas yang mengandung risiko. bearing activity.
2. Lini 2: Unit Kerja Enterprise Risk Management, Unit Kerja 2. Line 2: Enterprise Risk Management Work Unit, Compliance and
Kepatuhan dan Anti Money Laundering, dan Unit Kerja Anti Fraud Anti-Money Laundering Work Unit, and Anti-Fraud Management
Management Work Unit
Lini kedua bertugas melakukan fungsi pengawasan yang The second line is tasked with carrying out independent monitoring
independen dari aktivitas bisnis dan pelaporan ke manajemen. functions of business activities and reporting to management.
Unit-unit ini bekerja sama dengan unit bisnis untuk memastikan These units work closely with business units to ensure that each
bahwa setiap risiko telah diidentifikasi dan dikelola dengan benar, risk is identified and managed correctly, in addition to developing
selain menyusun strategi dan mengimplementasikan kebijakan strategies and implementing policies and procedures, as well as
dan prosedur, serta mengumpulkan informasi untuk memperoleh gathering information to obtain a comprehensive view of the
pandangan menyeluruh atas berbagai risiko Bank. Bank’s risks.
3. Lini 3: Unit Kerja Internal Audit 3. Line 3: Internal Audit Work Unit
Internal Audit berfungsi untuk memberikan penilaian terhadap Internal Audit functions to provide an assessment of the adequacy
kecukupan kontrol internal, struktur organisasi dan garis tanggung of the internal controls, organizational structure and lines of
jawab dan juga kepatuhan terhadap hukum, regulasi, dan kebijakan responsibility, as well as compliance with laws, regulations and
internal serta prinsip syariah. internal policies and sharia principles.
Dari sisi tata kelola, Bank Aladin Syariah telah membentuk Komite In terms of governance, Bank Aladin Syariah has established a
Pemantau Risiko yang merupakan organ pendukung Dewan Komisaris Risk Monitoring Committee as a supporting organ for the Board of
dan Komite Manajemen Risiko pada tingkat Direksi guna mengelola Commissioners, and a Risk Management Committee at the Board of
risiko secara efektif dan proaktif. Directors level to manage risks effectively and proactively.
Penerapan Manajemen Risiko, Anti Implementation of Risk Management,
Pencucian Uang, dan Pencegahan Anti-Money Laundering and
Pendanaan Terorisme Prevention of Terrorism Financing
Bank menerapkan sistem manajemen risiko secara efektif sesuai The Bank has instigated an effective risk management system in
dengan Peraturan OJK No. 65/POJK.03/2016 tentang Penerapan accordance with OJK Regulation No. 65/POJK.03/2016 concerning
Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah, the Implementation of Risk Management for Sharia Commercial Banks
serta POJK No. 08/POJK.03/2014 tentang Penilaian Tingkat Kesehatan and Sharia Business Units, and POJK No. 08/POJK.03/2014 concerning
Bank Umum Syariah dan Unit Usaha Syariah. Penerapan manajemen Assessment of the Health Level of Sharia Commercial Banks and Sharia
risiko dilakukan melalui implementasi manajemen risiko pada setiap
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aktivitas fungsional dan operasional sehingga menjadi bagian yang Business Units. Risk management is carried out by managing risk in
tidak terpisahkan dalam setiap aktivitas Bank. Penerapan manajemen all functional and operational activities so that it becomes an integral
risiko secara efektif berfokus pada 4 (empat) pilar sebagai berikut: part of every Bank activity. Effective risk management focuses on 4
(four) pillars as follows:
Pengawasan aktif Dewan Komisaris, Direksi dan Dewan Active supervision by the Board of Commissioners,
Pengawas Syariah Board of Directors and Sharia Supervisory Board
Dewan Komisaris dan Direksi memiliki tanggung jawab atas efektivitas The Board of Commissioners and Board of Directors are responsible
penerapan manajemen risiko di Bank. Guna memastikan efektivitas for the effectiveness of management in the Bank. To ensure the
pengelolaan aktivitas dan risiko-risiko oleh Direksi, Dewan Komisaris effectiveness of managing activities and risks by the Board of Directors,
melalui Komite Pemantau Risiko melakukan evaluasi terhadap the Board of Commissioners through the Risk Monitoring Committee
kebijakan dan implementasi manajemen risiko yang dilaksanakan evaluates the policies and risk management carried out by the Board
oleh Direksi. Direksi dibantu Komite Manajemen Risiko, menentukan of Directors. The Board of Directors, assisted by the Risk Management
arah kebijakan dan strategi manajemen risiko serta implementasinya Committee, determines the direction of risk management policies and
secara komprehensif. strategies and their comprehensive implementation.
Direksi memastikan seluruh risiko yang material dan dampaknya telah The Board of Directors ensures that all material risks and their impact
ditindaklanjuti, serta melaksanakan langkah-langkah perbaikan atas have been followed up, as well as taking corrective steps for problems
permasalahan, atau penyimpangan dalam kegiatan usaha. Budaya or irregularities in business activities. Risk management culture,
manajemen risiko termasuk kesadaran risiko pada seluruh jenjang including risk awareness at all levels of the organization, is also a
organisasi juga menjadi perhatian Direksi. concern for the Board of Directors.
Kecukupan kebijakan, prosedur dan penetapan limit Adequacy of policies, procedures and
risiko determination of risk limits
Kebijakan manajemen risiko di Bank diatur dalam Kebijakan Umum Risk management policies at the Bank is regulated through the Bank
Manajemen Risiko Bank Aladin Syariah yang menjelaskan dasar-dasar Aladin Syariah General Risk Management Policy that explains the
kebijakan manajemen risiko dan menjadi acuan kebijakan, prosedur, basics of risk management policies and serves as a reference for risk
serta pedoman di bidang manajemen risiko sesuai ketentuan yang management policies, procedures and guidelines in accordance with
berlaku. applicable regulations.
Kecukupan proses identifikasi, pengukuran, pemantauan Adequacy of the risk identification, measurement,
dan pengendalian risiko serta manajemen risiko sistem monitoring and control processes as well as
informasi information system risk management
Bank mengidentifikasi risiko dengan menganalisis seluruh jenis dan The Bank identifies risks by analyzing all types and characteristics of
karakteristik risiko yang melekat dalam bisnis Bank. Identifikasi risiko risks inherent in the Bank’s business. Risk identification is proactive,
bersifat proaktif, mencakup seluruh aktivitas bisnis Bank dan dilakukan covers all Bank business activities and is carried out to analyze the
dalam rangka menganalisis sumber dan kemungkinan timbulnya sources and possible risks and their impacts. Risk identification is based
risiko serta dampaknya. Identifikasi risiko antara lain didasarkan pada on the experience gained from losses that have occurred.
pengalaman kerugian yang pernah terjadi.
Pengendalian internal yang menyeluruh Comprehensive internal control
Bank menerapkan Sistem Pengendalian internal secara menyeluruh The Bank has a comprehensive internal control system, and has
yang salah satunya dilakukan dengan penetapan struktur organisasi established an organizational structure by carrying out a clear
dengan melakukan pemisahan fungsi yang jelas antara unit kerja separation of functions between operational business units and work
operasional business unit dengan unit kerja yang melaksanakan units that carry out the risk control function of the risk management
fungsi pengendalian risiko risk management unit. Selain itu Bank unit. In addition, the Bank has instigated a 3 (three) lines of defense
juga menerapkan 3 (tiga) lini pertahanan dalam pengendalian internal. in internal control.
• Pertama, adalah unit kerja pelaksana lini terdepan yang • First, is the front line work units who ensure the activities are
memastikan pelaksanaan aktivitas telah sesuai dengan prosedur. in accordance with procedures. The results of their inspections
Hasil pemeriksaan dan rencana tindak lanjut disampaikan dan and follow-up plans are submitted and monitored at the Risk
dimonitor pada rapat Komite Manajemen Risiko. Management Committee meeting.
• Kedua, Divisi Manajemen Risiko melakukan pendefinisian dan • Second, the Risk Management Division defines and maintains
pemeliharaan metodologi pengelolaan risiko, memastikan the risk management methodology, ensures the adequacy of risk
kecukupan mitigasi risiko, kebijakan dan prosedur, serta melakukan mitigation, policies and procedures, and coordinates or facilitates
koordinasi atau fasilitasi dari pengelolaan risiko secara menyeluruh. overall risk management. The Compliance Division ensures that
Divisi Kepatuhan memastikan seluruh aktivitas Bank telah sesuai all Bank activities are in accordance with external and internal
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dengan regulasi baik eksternal maupun internal, serta telah sesuai regulations, and are in accordance with sharia principles.
dengan prinsip syariah.
• Ketiga, Divisi Audit Internal sebagai lini terakhir, yang bertugas • Third, the Internal Audit Division as the last line, is tasked with
memastikan secara independen bahwa semua risiko residual independently ensuring that all residual risks have been managed
telah dikelola sesuai dengan toleransi risiko yang disetujui. Hasil in accordance with the agreed risk tolerance. The results of this
pengawasan ini dilaporkan kepada Direksi dan Komite Audit supervision are reported to the Board of Directors and the Audit
di tingkat Dewan Komisaris dan dimonitor pelaksanaan tindak Committee at the Board of Commissioners level and the follow-up
lanjut atas temuan audit sebagai upaya perbaikan kinerja dan actions on audit findings are monitored in an effort to improve
kesehatan Bank. the Bank’s performance and health.
Selanjutnya, penerapan manajemen risiko Perseroan akan diselaraskan Furthermore, the Company’s risk management is aligned with the
dengan tujuan, kebijakan usaha, ukuran, kompleksitas usaha, dan Bank’s objectives, business policies, size, business complexity and
kemampuan Bank dengan ruang lingkup risiko yang mencakup Risiko capabilities with a risk scope that includes Credit Risk, Market Risk,
Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risiko Hukum, Liquidity Risk, Operational Risk, Legal Risk, Reputational Risk, Strategic
Risiko Reputasi, Risiko Stratejik, Risiko Kepatuhan, Risiko Imbal Hasil, Risk, Risk Compliance, Yield Risk, and Investment Risk.
dan Risiko Investasi.
Untuk mengukur efektivitas manajemen risiko, Bank secara berkala To measure the effectiveness of risk management, the Bank regularly
melakukan review terhadap implementasi manajemen risiko. Hasil reviews the implementation of risk management. The results of the
review tahun 2023 dan perbandingannya dengan tahun sebelumnya 2023 review and comparison with the previous year are as follows.
adalah sebagai berikut.
Penilaian Posisi Desember 2023 Penilaian Posisi Desember 2022
December 2023 Position Assessment December 2022 Position Assessment
Peringkat Peringkat
Kualitas Kualitas
Tipe Risiko Penerapan Penerapan
Peringkat Peringkat
Types of Risk Manajemen Manajemen
Risiko Inheren Peringkat Risiko Risiko Inheren Peringkat Risiko
Risiko Risiko
Inherent Risk Risk Rating Inherent Risk Risk Rating
Rating of Risk Rating of Risk
Rating Rating
Management Management
Implementation Implementation
Quality Quality
Risiko Kredit Moderate Fair 3 Low to Satisfactory 2
Credit Risk moderate
Risiko Pasar Low to moderate Satisfactory 2 Low Satisfactory 1
Market Risk
Risiko Likuiditas Low to moderate Satisfactory 2 Low to Satisfactory 2
Liquidity Risk moderate
Risiko Operasional Moderate Fair 3 Low to Satisfactory 2
Operational Risk moderate
Risiko Hukum Low to moderate Satisfactory 2 Low Satisfactory 1
Legal Risk
Risiko Stratejik Low to moderate Satisfactory 2 Low to Satisfactory 2
Strategic Risk moderate
Risiko Kepatuhan Low to moderate Satisfactory 2 Low to Satisfactory 2
Compliance Risk moderate
Risiko Reputasi Low to moderate Satisfactory 2 Low Satisfactory 1
Reputational Risk
Risiko Imbal Hasil Moderate Fair 3 Low Satisfactory 1
Yield Risk
Risiko Investasi Low to moderate Satisfactory 2 Low Satisfactory 1
Investment Risk
Peringkat Komposit Low to moderate Satisfactory 2 Low to Satisfactory 2
Composite Rating moderate
Hasil dari penilaian Profil Risiko Komposit Bank Aladin Syariah pada The assessment results of the Bank Aladin Syariah’s Composite Risk
Semester II Tahun 2023 (Juli - Desember 2023) adalah Peringkat “Low Profile in Semester II 2023 (July - December 2023) yielded a rating
to moderate” dengan nilai 2 untuk Risiko Inheren dan Satisfactory of “Low to moderate” with a score of 2 for Inherent and Satisfactory
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untuk Kualitas Penerapan Manajemen Risiko. Adapun dari hasil di atas Risk for the Quality of Risk Management Implementation. Based on
terdapat beberapa pertimbangan yang mendukung penilaian, meliputi: the above results, there were several considerations that supported
the assessment, including:
1. Aktivitas bisnis yang dilakukan Bank di mana kemungkinan kerugian 1. The composite inherent risk of the business activities carried out
yang dihadapi Bank dari Risiko Inheren komposit tergolong rendah by the Bank that could potentially generate losses for the bank
selama Triwulan IV tahun 2023. was relatively low during Q4 2023.
2. Strategi bisnis Bank sudah mulai terarah sesuai dengan target RBB. 2. The Bank’s business strategy has begun to be aligned with the
RBB targets.
Sementara itu, dalam kerangka penerapan Program Anti Pencucian Meanwhile, for implementing the Anti-Money Laundering, Prevention
Uang, Pencegahan Pendanaan Terorisme dan Pencegahan Pendanaan of Terrorism Financing and Prevention of Funding for the Proliferation
Proliferasi Senjata Pemusnah Massal (APU, PPT dan PPPSPM), Bank of Mass Destruction (APU, PPT and PPPSPM) Programs, the Bank
telah menunjuk satu Pejabat Eksekutif yang bertanggung jawab atas has appointed an Executive Officer responsible for the APU, PPT
penerapan Program APU, PPT dan PPPSPM (Petugas APU, PPT dan and PPPSPM Programs (APU Officer, PPT and PPPSPM). Functions of
PPPSPM). Petugas APU, PPT dan PPPSPM tersebut bertanggung jawab the APU, PPT and PPPSPM Officer who is directly responsible to the
langsung kepada Direktur Kepatuhan dalam melaksanakan fungsinya Compliance Director are as follows.
yaitu:
1. Menganalisis secara berkala penilaian risiko Tindak Pidana 1. Regularly analyzing the risk assessment of Money Laundering
Pencucian Uang (TPPU), Tindak Pidana Pendanaan Terorisme Crimes (TPPU), Terrorism Financing Crimes (TPPT), and/or Funding
(TPPT), dan/atau Pendanaan Proliferasi Senjata Pemusnah Massal for the Proliferation of Weapons of Mass Destruction (PPSPM)
(PPSPM) terkait dengan Nasabahnya, negara atau area geografis, related to their Customers, countries or geographic areas, products,
produk, jasa, transaksi atau jaringan distribusi (delivery channels). services, transactions or delivery channels.
2. Melakukan review berkala atas Kebijakan dan Standar Prosedur 2. Conducting periodic reviews of APU, PPT and PPPSPM Policies
APU, PPT dan PPPSPM. and Standard Procedures.
3. Memantau pelaksanaan program pengkinian data nasabah 3. Monitoring the customer data updating program with a program
melalui program pengecekan kelengkapan data nasabah dan to check the completeness of customer data, and monitoring
memantau tindak lanjut yang dilakukan oleh unit kerja terkait the follow-up actions carried out by the relevant work units to
untuk melengkapi data nasabah. complete the customer data.
4. Memastikan unit kerja terkait telah melakukan pemantauan atas 4. Ensuring that the relevant work units have monitored customer
transaksi keuangan nasabah untuk mengidentifikasi kesesuaian financial transactions to identify conformity between customer
antara transaksi nasabah dan profil nasabah. Berdasarkan hasil transactions and customer profiles. Based on the results of
pemantauan yang dilakukan oleh unit kerja terkait, Petugas APU, monitoring carried out by the relevant work units, APU, PPT and
PPT dan PPPSPM melakukan analisa lebih lanjut untuk menentukan PPPSPM officers will carry out further analysis to determine the
kategori suatu transaksi sebagai transaksi yang wajar atau tidak category of a transaction as a fair transaction or not (suspicious)
(mencurigakan) sehingga perlu ditindaklanjuti dengan pelaporan and whether it needs to be followed up by reporting suspicious
transaksi keuangan mencurigakan (LTKM) kepada Pusat Pelaporan financial transactions (LTKM) to the Reporting and Analysis Center
dan Analisis Transaksi Keuangan (PPATK). Financial Transactions (PPATK).
5. Merekomendasikan kebutuhan pelatihan mengenai penerapan 5. Recommend training needs related to the APU, PPT and PPPSPM
Program APU, PPT dan PPPSPM bagi pegawai Bank dan memastikan Programs for Bank employees and ensuring training is carried out
terlaksananya pelatihan sesuai ketentuan yang berlaku. in accordance with applicable regulations.
6. Memastikan penerapan Program APU, PPT dan PPPSPM 6. Ensuring the APU, PPT and PPPSPM Programs are carried out in
dilaksanakan sesuai Kebijakan dan Standar Prosedur APU, PPT accordance with the APU, PPT and PPPSPM Policies and Standard
dan PPPSPM. Procedures.
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Integritas dan Penerapan Etika Bisnis [2-23;
2-24]
Integrity and Application of Business Ethics [2-23; 2-24]
Kode Etik Code of Ethics
Bagi Bank, meraih kepercayaan dari para pemangku kepentingan For the Bank, gaining the trust of stakeholders is key. Trust is the
adalah hal yang utama. Kepercayaan merupakan landasan dari setiap foundation of all relationships the Bank has with customers, employees,
hubungan yang dimiliki oleh Bank dengan nasabah, karyawan, mitra, partners, suppliers/vendors, regulators, shareholders and the public,
pemasok/vendor, regulator, pemegang saham dan masyarakat, serta and is part of the Bank’s core values. Therefore, all Aladiners (all
menjadi bagian dari nilai-nilai inti Bank. Oleh karena itu, seluruh members of the Board of Commissioners, Sharia Supervisory Board,
Aladiners (seluruh anggota Dewan Komisaris, Dewan Pengawas Board of Directors, chiefs and employees) have the responsibility to
Syariah, Direksi, chief, dan karyawan) memiliki tanggung jawab untuk increase and maintain the trust gained through high integrity and
meningkatkan dan menjaga kepercayaan yang telah diperoleh melalui thoroughness actions so that the Bank can continue to develop and
segala tindakan yang berintegritas tinggi serta cermat agar Bank dapat realize its expected vision. The Code of Ethics and Code of Conduct
terus berkembang dan mewujudkan visi yang diharapkan. Kode Etik are the principles that guide all Aladiners to secure and maintain the
(Code of Ethics) dan Pedoman Perilaku (Code of Conduct) adalah level of trust of stakeholders.
prinsip-prinsip yang menjadi panduan bagi seluruh Aladiners untuk
mengamankan dan menjaga tingkat kepercayaan para pemangku
kepentingan.
Di tahun 2023, Bank melakukan pengkinian terhadap Kode Etik dan In 2023, the Bank updated its Code of Ethics and Code of Conduct so
Pedoman Perilaku agar selaras dengan visi, misi, nilai-nilai, prinsip that it is in line with the Bank’s vision, mission, values, sustainability
dan komitmen keberlanjutan, serta peraturan yang berlaku dalam principles and commitments, as well as applicable regulations. This
Bank. Kode Etik dan Pedoman Perilaku ini terbagi dalam aspek-aspek Code of Ethics and Code of Conduct is divided into the following
sebagai berikut: aspects:
1. Tanggung jawab Aladiners 1. Aladiners’ responsibilities
2. Tanggung jawab manajer 2. Manager’s responsibilities
3. Kenyamanan di lingkungan kerja 3. Comfort in the work environment
4. Berbisnis secara adil dan jujur 4. Conducting business fairly and honestly
5. Keamanan dan privasi data 5. Data security and privacy
6. Pencegahan terhadap tindak kejahatan keuangan 6. Prevention of financial crimes
7. Benturan kepentingan 7. Conflicts of interest
8. Prinsip keberlanjutan dan hak asasi manusia 8. Sustainability and human rights principles
9. Perlindungan terhadap kepentingan Bank 9. Protection of the Bank’s interests
10. Anti fraud 10. Anti-fraud
11. Penyampaian kekhawatiran (termasuk whistleblowing) 11. Expressing concerns (including whistleblowing)
12. Pembuatan keputusan 12. Decision making
13. Kekerasan seksual 13. Sexual violence
Secara lengkap, Kode Etik dan Pedoman Perilaku Bank Aladin Syariah The complete Aladin Syariah Bank Code of Ethics and Code of Conduct
dapat diakses di https://aladinbank.id/tata-kelola. can be accessed at https://aladinbank.id/tata-kelola.
Sosialisasi terhadap Kode Etik dan Pedoman Perilaku, termasuk Socialization of the Code of Ethics and Code of Conduct, including the
pelanggaran dan mekanisme penjatuhan sanksi/hukuman, serta violations and mechanism for imposing sanctions/punishments, as
beberapa topik material, seperti anti fraud, whistleblowing system, well as material topics, such as anti-fraud, the whistleblowing system,
dan keamanan dan privasi data dilakukan dalam berbagai webinar, and data security and privacy is carried out through webinars, internal
media internal, onboarding session, maupun penandatanganan Kode media, onboarding sessions, as well as the signing of the Code of Ethics
Etik dan Pedoman Perilaku Bank oleh seluruh karyawan. and Bank Code of Conduct by all employees.
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Selain itu, Bank juga mengkomunikasikan Kode Etik dan Pedoman In addition, the Bank also communicates this Code of Ethics and Code
Perilaku ini kepada para pemasok dengan mempersyaratkan of Conduct to suppliers by requiring them to sign an Integrity Pact
penandatanganan Pakta Integritas yang dikhususkan untuk pemasok. specifically for suppliers.
Tabel pelanggaran Kode Etik Tahun 2022-2023
Violations of the Code of Ethics in 2022-2023
Jumlah Kasus
Total Cases
Dewan Komisaris & Direksi
Pegawai Tetap Pegawai Tidak Tetap
Board of Commissioners &
Permanent employee Contract employees
Board of Directors
2023 2022 2023 2022 2023 2022
Total Fraud Nihil Nihil Nihil Nihil Nihil Nihil
Total Fraud Nil Nil Nil Nil Nil Nil
Telah diselesaikan Nihil Nihil Nihil Nihil Nihil Nihil
Resolved Nil Nil Nil Nil Nil Nil
Dalam proses internal Nihil Nihil Nihil Nihil Nihil Nihil
In the internal process Nil Nil Nil Nil Nil Nil
Belum diupayakan penyelesaiannya Nihil Nihil Nihil Nihil Nihil Nihil
No solution has been attempted yet Nil Nil Nil Nil Nil Nil
Telah ditindaklanjuti melalui proses hukum Nihil Nihil Nihil Nihil Nihil Nihil
Followed up through the legal process Nil Nil Nil Nil Nil Nil
Sistem Pelaporan Pelanggaran Violation Reporting (Whistleblowing)
[2-16; 2-25; 2-26] System [2-16; 2-25; 2-26]
Sistem Penanganan Pengaduan Complaint Handling System
Dalam usaha menciptakan lingkungan kerja yang kondusif dan To create a conducive and comfortable working environment,
nyaman, Bank Aladin Syariah memperkenalkan Sistem Penanganan Bank Aladin Syariah has instigated a Complaint Handling System or
Pengaduan atau Whistleblowing System (WBS) sebagai bagian dari Whistleblowing System (WBS) as part of internal control at the entity
kontrol internal pada tingkat entitas (entity level control). Lebih lanjut, level (entity level control). Furthermore, Bank Aladin Syariah’s WBS is
Bank Aladin Syariah menyajikan WBS sebagai sarana bagi pelapor a means for whistleblowers to report problems that are considered
untuk menyampaikan masalah-masalah yang dianggap kritikal oleh critical by the Bank, such as fraud, unethical/inappropriate actions,
Bank seperti perbuatan Fraud, perbuatan tidak etis/tidak semestinya, violations of company policies and/or regulations, as well as actions
pelanggaran terhadap kebijakan dan/atau Peraturan Perusahaan, or behavior that could cause material or immaterial losses allegedly
serta perbuatan atau perilaku yang dapat menyebabkan kerugian committed by employees within the Bank through a quick, precise
baik bersifat materiil maupun immateriil yang diduga dilakukan oleh and effective handling process. [2-16]
Karyawan yang terjadi di lingkungan Bank dengan proses penanganan
yang cepat, tepat dan efektif. [2-16]
Sistem WBS ini dirancang dengan tujuan untuk memberikan respons The WBS system was designed with the aim of providing a serious
serius terhadap masalah-masalah yang dapat menimbulkan kerugian, baik response to problems that could cause losses, both from a financial
dari aspek keuangan maupun reputasi Bank, tetapi tidak terbatas pada: aspect, and on the Bank’s reputation, related to:
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1. Penipuan/Fraud, Ketidakjujuran atau Korupsi. 1. Fraud, Dishonesty or Corruption.
2. Penggunaan tidak sah atau klaim palsu atas dana bank. 2. Unauthorized use or false claims of bank funds.
3. Penyalahgunaan posisi untuk keuntungan pribadi. 3. Abuse of position for personal gain.
4. Aktivitas tidak sah dan/atau perdagangan ilegal dan/atau kelakuan 4. Unauthorized activities and/or illegal trading and/or misconduct.
buruk.
5. Pelanggaran hukum, aturan, peraturan dan pedoman seperti 5. Violation of laws, rules, regulations and guidelines such as the
UU Perbankan. Banking Law.
6. Kegagalan untuk memenuhi standar professional. 6. Failure to meet professional standards.
7. Tindakan ilegal atau kriminal (seperti perusakan fisik properti, 7. Illegal or criminal acts (such as physical destruction of property,
pembakaran, pencurian, bekerjasama dengan pihak ketiga untuk arson, theft, collaborating with third parties to defraud the bank).
menipu bank).
8. Pemalsuan, perubahan/penggantian catatan bank. 8. Forgery, alteration/replacement of bank records.
9. Pelanggaran serius Kode Etik dan Pedoman Perilaku. 9. Serious violation of the Code of Ethics and Code of Conduct.
10. Pelecehan Seksual (baik secara fisik maupun verbal), intimidasi/ 10. Sexual harassment (both physical and verbal), intimidation/threats,
pengancaman, pemerasan. blackmail.
11. Penyalahgunaan Informasi yang bersifat rahasia. 11. Misuse of confidential information.
12. Menyetujui, mengarahkan atau berpartisipasi dalam salah satu 12. Approving, directing or participating in any of the above activities.
kegiatan di atas.
Mekanisme Penyampaian Laporan [2-16] Report Submission Mechanism [2-16]
Pelapor baik dari pihak internal ataupun pihak eksternal mendapatkan Whistleblowers from internal and external parties have the opportunity
kesempatan untuk menyampaikan pengaduan terhadap tanda-tanda to submit complaints regarding signs of violations that occur. Such claim
pelanggaran yang terjadi. Laporan yang diberikan oleh pelapor harus must be supported by evidence indicating a violation. In the reporting
didukung dengan bukti indikasi pelanggaran. Dalam proses pelaporan process, the informant can choose to include his/her identity clearly or
ini, pelapor dapat memilih untuk menyertakan identitasnya secara choose not to reveal it. In this regard, Bank Aladin Syariah has a strong
jelas atau memilih untuk tidak mengungkapkannya. Dalam hal ini, commitment to maintain the confidentiality of the whistleblowers and
Bank Aladin Syariah komitmen kuat dalam mengedepankan prinsip the parties suspected of committing the violation.
kerahasiaan dengan menjaga kerahasiaan informasi pelapor dan pihak
yang diduga melakukan pelanggaran.
Perlindungan bagi Pelapor Protection for Whistleblowers
Bank telah menyediakan saluran pelaporan melalui kanal email yang The Bank provides a reporting channel via email that is independent,
bersifat independen, bebas, dan rahasia. Hal ini bertujuan untuk free and confidential. This channel is aimed at ensuring the reporting
memastikan bahwa proses pelaporan dapat berjalan dengan aman. process can run safely, and the Bank will maintain the confidentiality of
Selain itu, Bank akan menjaga kerahasiaan identitas pelapor untuk the whistleblowers to provide protection from any retaliatory actions
memberikan perlindungan kepada pelapor,, dari tindakan balasan that may be taken by the reported party and/or other parties who
yang mungkin dilakukan oleh pihak terlapor dan/atau pihak lain yang have interests. Such protection covers against pressure, rights as an
mempunyai kepentingan. Perlindungan dari tekanan, hak-hak sebagai employee, lawsuits, property, and even against physical action.
Karyawan, gugatan hukum, harta benda, hingga tindakan fisik.
Pihak yang Mengelola Pengaduan Party Managing Complaints
Gugus Tugas Tim Investigasi Bank bertanggung jawab menindaklanjuti The Bank Investigation Team Task Force is responsible for following up
laporan dari Whistleblower dan melakukan investigasi lebih lanjut on reports from Whistleblowers and carrying out further investigations
terhadap laporan indikasi pelanggaran baik pelanggaran Fraud maupun on all indications of violations, including fraud and code of ethics
kode etik yang dilakukan oleh karyawan Bank. Selain itu, tim investigasi violations committed by Bank employees. Additionally, the investigation
juga menerapkan strategi untuk meminimalisir hal tersebut yang dapat team is tasked to implement strategies to minimize violation, and such
berupa edukasi secara regular, pengawasan aktif pada karyawan, serta strategies can be implemented in the form of regular education and
pembuatan prosedur penanganan kejadian. active supervision to employees, as well as in the form of creating
incident handling procedures.
Jumlah Pengaduan di Tahun 2023 [2-16] Number of Complaints in 2023 [2-16]
Sampai dengan 31 Desember 2023, tidak terdapat laporan melalui As of December 31, 2023, there were no reports through the
Whistleblowing System mengenai pelanggaran yang dilakukan oleh Whistleblowing System regarding violations committed by employees
karyawan ataupun Manajemen Bank. or Bank Management.
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Tentang Laporan Keberlanjutan
About The Sustainability Report 95
Sanksi/Tindak Lanjut atas Sanctions/Follow Up for Complaints in 2023
Pengaduan di Tahun 2023
Sehubungan dengan tidak adanya pengaduan di tahun 2023, maka There were no sanctions imposed or follow-up actions performed in
tidak terdapat sanksi/tindak lanjut atas pengaduan di tahun 2023. 2023 since there were no claims submitted during the reporting year.
Dukungan bagi Anti Korupsi Support for Anti-Corruption
Bank memiliki komitmen untuk menciptakan organisasi yang bersih, The Bank is committed to creating a clean organization, free from
yaitu terbebas dari praktik Korupsi, Kolusi, dan Nepotisme (KKN). Corruption, Collusion and Nepotism (KKN) practices. To realize this
Untuk mewujudkan tujuan tersebut, Bank berusaha menerapkan goal, the Bank implements predetermined policies to close any gaps
kebijakan yang telah ditentukan untuk merapatkan celah-celah yang that provide opportunities for KKN practices to occur. The Bank will
memberikan peluang terjadinya praktik KKN. Bank akan menjatuhkan impose strict sanctions on all forms of KKN involving Bank Personnel.
sanksi tegas terhadap segala bentuk KKN yang melibatkan Insan Bank. In addition, the Bank will always enforce anti-corruption policies in
Selain itu, Bank akan selalu menegakkan kebijakan anti korupsi sesuai accordance with Law No. 20 of 2001 concerning Amendments to
dengan Undang-Undang No. 20 Tahun 2001 tentang Perubahan atas Law No. 31 of 1999 concerning Eradication of Corruption Crimes.
Undang-Undang No. 31 Tahun 1999 tentang Pemberantasan Tindak Bank Aladin Syariah has also implemented a Code of Ethics and Code
Pidana Korupsi. Bank Aladin Syariah juga telah menerapkan Kode Etik of Conduct that regulates anti-corruption and anti-fraud within the
dan Pedoman Perilaku yang mengatur tentang anti korupsi dan anti Bank. [3-3]
fraud di lingkungan Bank. [3-3]
Untuk menegakkan komitmen anti korupsi Bank Aladin Syariah To uphold its anti-corruption commitment, Bank Aladin Syariah adheres
menganut zero tolerance terhadap tindakan korupsi, karena korupsi to zero tolerance for acts of corruption, since corruption is a crime that
merupakan kejahatan yang berdampak luas bagi bangsa dan has a broad impact on the nation, and reduces public trust in Bank
mengurangi kepercayaan masyarakat terhadap Bank Aladin Syariah. Aladin Syariah. Anti-corruption is implemented through the following
Penerapan anti korupsi diterapkan melalui berbagai strategi dan strategies and regulations:
peraturan diantaranya:
1. Kebijakan internal control. 1. Internal control policy.
2. Peraturan Disiplin Karyawan yang tertera dalam Peraturan 2. Employee Discipline Regulations as stated in the Company
Perusahaan (Kode Etik dan Pedoman Perilaku). Regulations (Code of Ethics and Code of Conduct).
3. Budaya perusahaan (corporate culture) yang menanamkan nilai- 3. Corporate culture that instills the value of integrity in every
nilai integritas kepada setiap Karyawan. employee.
4. Kode Etik dan Pedoman Perilaku PT Bank Aladin Syariah Tbk. 4. Code of Ethics and Code of Conduct in PT Bank Aladin Syariah Tbk.
5. Penerapan media pelaporan melalui mekanisme Whistleblowing 5. Reporting media through the Whistleblowing system mechanism.
system.
6. Penerapan prinsip Know Your Employee (KYE), yaitu uji tuntas 6. Implement the Know Your Employee (KYE) principle as a due
terhadap calon Karyawan. diligence process on prospective employees. namely due diligence
on prospective employees.
Sejalan dengan itu, pengendalian anti korupsi di Bank diwujudkan Anti-corruption control at the Bank is also realized through the signing
melalui penandatanganan Pakta Integritas dan Deklarasi Anti Fraud oleh of an Integrity Pact and Anti-Fraud Declaration by Employees. The Bank
Karyawan. Pencegahan korupsi juga dilakukan Bank antara lain melalui also prevents corruption through anti-corruption campaigns together
kampanye anti korupsi bersamaan dengan aktivitas sosialisasi Kode with socialization on the Code of Ethics to all employees. Through these
Etik kepada seluruh Karyawan. Dengan berbagai upaya di atas, selama efforts, during 2023, there were no proven incidents of corruption so
tahun 2023, tidak terdapat insiden korupsi yang terbukti sehingga tidak there were no specific actions taken by the Bank [205-3].
terdapat tindakan spesifik yang diambil Bank [205-3].
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Pelibatan Pemangku Kepentingan [E.4] [2-29]
Stakeholder Engagement [E.4] [2-29]
Keberlanjutan usaha Bank turut ditentukan oleh keberhasilannya The Bank’s business sustainability is also determined by its success
dalam memenuhi tanggung jawab kepada para pemangku kepentingan in fulfilling its responsibilities to stakeholders. The Bank defines
yang beragam. Bank mendefinisikan pemangku kepentingan sebagai stakeholders as entities or individuals who are impacted by the
entitas atau individu yang terpengaruh oleh kegiatan, produk, dan jasa Company’s activities, products and services. On the other hand, their
perusahaan. Di sisi lain, keberadaan mereka juga mempengaruhi Bank presence also influences the Bank in realizing successful strategy
dalam mewujudkan keberhasilan penerapan strategi dan pencapaian implementation and achieving goals. With such a position, the Bank
tujuan. Dengan posisi seperti itu, maka Bank terus berupaya untuk strives to build harmonious relationships with stakeholders. This
membangun hubungan yang harmonis dengan para pemangku is achieved through meeting forums held periodically and ad hoc,
kepentingan. Hal itu dilakukan, antara lain, melalui berbagai forum according to the Bank’s needs or at the request of stakeholders.
pertemuan yang digelar, baik secara berkala maupun insidental sesuai
dengan kebutuhan Bank atau atas permintaan pemangku kepentingan.
Selaras dengan itu, Bank juga berupaya untuk menyelenggarakan The Bank also strives to carry out intensive communication with
komunikasi yang intensif bersama kelompok-kelompok pemangku stakeholder groups, and seeks to involve these groups in accordance
kepentingan, dan mengupayakan pelibatan kelompok-kelompok with their respective expectations. For the Bank, this involvement has
tersebut sesuai dengan harapan masing-masing. Bagi Bank, pelibatan proven to be very helpful in implementing sustainable finance during
tersebut terbukti sangat membantu dalam penerapan keuangan the reporting year.
berkelanjutan selama tahun pelaporan.
Berdasarkan pemetaan yang dilakukan Bank, berikut pemangku Based on the mapping carried out by the Bank, the following are
kepentingan dan metode pelibatan yang dilakukan selama tahun the stakeholders and engagement methods carried out during the
pelaporan. reporting year.
Pemangku Kepentingan Metode Pelibatan Frekuensi Topik Yang Dibahas
Stakeholders Engagement Method Frequency Topics Covered
Pemegang Saham RUPS Tahunan Satu kali dalam satu Laporan Tahunan, pengesahan Laporan Keuangan, dan pengesahan
Shareholders Annual GMS tahun Laporan Tugas Pengawasan Dewan Komisaris Bank, penetapan
Once a year penggunaan laba bersih Bank, penunjukan Kantor Akuntan Publik,
penetapan paket remunerasi berikut tunjangan, bonus dan fasilitas
yang diberikan kepada Dewan Komisaris, Direksi, dan Dewan
Pengawas Syariah, pelaporan realisasi penggunaan dana hasil
penawaran umum, dan perubahan susunan Pengurus Bank.
Annual Report, ratification of Financial Statements, and ratification
of the Supervisory Report of the Bank’s Board of Commissioners,
determination of the use of Bank’s net profit, appointment of a
Public Accounting Firm, determination of the remuneration package
including allowances, bonuses and facilities provided to the Board of
Commissioners, Directors and Sharia Supervisory Board, reporting
realization of the use of proceeds from the public offering, and
changes in the composition of Bank’s Management.
RUPS Luar Biasa Saat diperlukan Perubahan nama Bank, mengangkat dan memberhentikan Dewan
When needed Komisaris, Dewan Pengawas Syariah dan Direksi Bank, memberikan
persetujuan penambahan modal dengan cara menerbitkan saham
Extraordinary GMS baru dengan memberikan Hak Memesan Efek Terlebih Dahulu
(HMETD), memberikan wewenang dan kuasa kepada Direksi Bank
dengan hak substitusi untuk melakukan segala tindakan yang
diperlukan dalam rangka penambahan modal, memberikan kuasa
kepada Direksi Bank untuk merubah anggaran dasar Bank Aladin
Syariah dalam rangka peningkatan modal.
Changing the name of Bank, appointing and dismissing the Board
of Commissioners, Sharia Supervisory Board and Directors of Bank,
giving approval for additional capital by issuing new shares by
granting Pre-emptive Rights Issue (HMETD), giving authority and
power of attorney to the Directors of Bank with substitution rights
to do everything necessary actions in order to increase capital,
authorize the Board of Directors of the Bank to change the articles of
association of Bank Aladin Syariah in order to increase capital.
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About The Sustainability Report 97
Pemangku Kepentingan Metode Pelibatan Frekuensi Topik Yang Dibahas
Stakeholders Engagement Method Frequency Topics Covered
Pelanggan/Nasabah Survei Kepuasan Satu kali dalam satu Tingkat Kepuasan Pelanggan
Customers Satisfaction Survey bulan Customer Satisfaction Level
One a month
Mitra Kerja/Pemasok Kontrak Kerja Sesuai kebutuhan Pengadaan Barang/Jasa
Partners/Suppliers Employment contract As needed Procurement of goods/services
Pegawai Survei Kepuasan Pegawai Satu kali dalam satu Tingkat Kepuasan Pegawai
Employees Employee Satisfaction tahun Employee Satisfaction Level
Survey Once a year
Lembaga Swadaya Masyarakat/ Mengadakan Program Saat diperlukan Dukungan terhadap program CSR secara selektif dalam bentuk donasi
Masyarakat Corporate Social When needed Support for selective CSR programs in the form of donations
Non-Governmental Organizations / Responsibility
Communities Organizing Corporate
Social Responsibility (CSR)
Programs
Media Press Release & Press Saat diperlukan Informasi kinerja, produk dan program Bank Aladin Syariah yang
Conference When needed disampaikan ke publik
Performance information, products and programs of Bank Aladin
Syariah that are presented to the public
Regulator On-site dan off-site Minimal sekali dalam Rencana Bisnis Bank, Rencana Aksi Keuangan Berkelanjutan,
Regulators supervision, pelaporan setahun Penyampaian Laporan Tahunan dan Laporan Berkelanjutan
secara berkala At least once a year Bank Business Plans, Sustainable Finance Action Plans, Submission of
On-site and off-site Annual Reports and Sustainability Reports
supervision, regular
reporting
Pemangku Kepentingan Survei Keberlanjutan Terkait Satu kali dalam satu Kajian terhadap topik-topik material keberlanjutan yang dianggap
Stakeholders Kajian Topik-topik Material tahun penting dan berdampak terhadap aspek ekonomi, sosial dan
Sustainability Survey Once a year lingkungan.
Related to Material Topics Study of sustainable material topics that are considered important
Study and have an impact on economic, social and environmental aspects.
Lembaga Amil Zakat/Masyarakat Melaksanakan penyaluran Saat diperlukan Penyaluran Dana TBDSP sesuai dengan Fatwa Dewan Syariah Nasional
Amil Zakat Institution/Community Dana Yang Tidak Boleh When needed Nomor 123/DSN-MUI/XI/2018 tentang Penggunaan Dana Yang Tidak
Diakui Sebagai Pendapatan Boleh Diakui Sebagai Pendapatan Bagi
(TBDSP) Lembaga Keuangan Syariah, Lembaga Bisnis Syariah dan Lembaga
Carrying out the Perekonomian Syariah.
distribution of funds that
cannot be recognized as The distribution of TBDSP funds is in accordance with the National
income (TBDSP) Sharia Council Fatwa No. 123/DSN-MUI/XI/2018 concerning the
Use of Funds That Should Not Be Recognized as Income for Sharia
Financial Institutions, Sharia Business Institutions and Sharia
Economic Institutions.
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Permasalahan terhadap Penerapan Kegiatan
Berkelanjutan [E.5]
Problems with Implementation of Sustainable Activities [E.5]
Bank berkomitmen untuk menerapkan program dan kegiatan yang The Bank is committed to implementing programs and activities that
selaras dengan aspek keberlanjutan sebagaimana disampaikan dalam aligned with sustainability aspects as stated in the Bank Business Plan
Rencana Bisnis Bank (RBB) Periode 2023-2025 dan Rencana Aksi (RBB) for the 2023-2025 period and the Sustainable Financial Action
Keuangan Berkelanjutan (RAKB) Tahun 2023. Selama tahun pelaporan, Plan (SFAP) for 2023. During the reporting year, the Bank’s management
manajemen dan karyawan Bank telah berupaya secara maksimal and employees have made maximum efforts to implement the
melaksanakan program-program dalam RBB dan RAKB tersebut. programs in the RBB and SFAP.
Dalam penerapan keuangan berkelanjutan dan pengintegrasian When implementing sustainable finance and integrating sustainability
aspek keberlanjutan di lingkungan internal Bank, Bank menghadapi aspects in the Bank’s internal environment, the Bank faces problems
permasalahan-permasalahan yang meliputi: that include:
1. Lingkungan internal Bank: 1. Bank internal environment:
a. Isu mengenai prioritas: penerapan keuangan berkelanjutan a. Issues regarding priorities: promoting sustainable finance is
terkendala karena adanya berbagai proyek eksisting dengan hampered by the existing projects with a high level of priority
tingkat prioritas yang tinggi di hampir seluruh departemen, in almost all departments, especially those related to the
terutama yang terkait dengan peluncuran produk-produk baru. launch of new products and services.
b. Pemahaman terhadap penerapan keuangan berkelanjutan dan b. Mix level of awareness of sustainability and sustainable finance
aspek keberlanjutan yang belum merata di kalangan internal as the Bank hired many new employees in 2023.
Bank karena cukup banyak karyawan baru di tahun 2023.
2. Lingkungan eksternal: 2. External environment:
a. Pemahaman terhadap praktik-praktik keberlanjutan yang a. Mix level of awareness of sustainable practices among external
masih belum merata di kalangan pemangku kepentingan stakeholders, and tend to be low among industry players and
eksternal, terutama para pelaku industri dan masyarakat general public.
umum.
b. Tingkat perekonomian yang belum sepenuhnya pulih b. The economy is not fully recovered from the impact of the
akibat dampak pandemi COVID-19 yang disertai dengan COVID-19 pandemic and would be further tested by the rise
meningkatnya krisis geopolitik di berbagai belahan dunia. of geopolitical tensions in various parts of the world.
Menghadapi permasalahan-permasalahan tersebut, Bank telah Facing these problems, the Bank has formulated and implemented
merumuskan dan menerapkan berbagai langkah dan kebijakan strategis strategic steps and policies as follows:
yang meliputi:
1. Lingkungan internal Bank: 1. Bank internal environment:
a. Menetapkan wakil dari masing-masing unit kerja terkait untuk a. Appoint representatives from each relevant work unit to
memastikan penerapan keuangan berkelanjutan di masing- ensure that sustainable finance programs in each work unit
masing unit kerja dapat terlaksana sesuai dengan Rencana can be carried out in accordance with the Sustainable Finance
Aksi Keuangan Berkelanjutan (RAKB). Action Plan (SFAP).
b. Meningkatkan pemahaman dan kapasitas internal melalui b. Increase awareness and capacity through
sosialisasi dan pelatihan terkait keuangan berkelanjutan yang c. campaigns and training related to sustainable finance carried
dilaksanakan oleh Bank Aladin Syariah maupun oleh pihak out by Bank Aladin Syariah and external parties.
eksternal.
c. Partisipasi dalam program-program yang dicanangkan oleh d. Participate in programs launched by the UN Principles for
UN Principles for Responsible Banking (UNPRB) dan UN Responsible Banking (UNPRB) and the UN Global Compact
Global Compact (UNGC), seperti the Business & Human Rights (UNGC), such as the Business & Human Rights Accelerator
Accelerator Program, guna memperkuat komitmen Bank Program, to strengthen the Bank’s commitment to
dalam penerapan aspek keberlanjutan. implementing sustainability aspects.
2. Lingkungan eksternal: 2. External environment:
a. Memperluas kerjasama dengan mitra-mitra eksisting serta a. Expand cooperation with existing partners and new partners
mitra-mitra baru dalam penerapan keuangan berkelanjutan. in implementing sustainable finance.
b. Turut berkontribusi dalam dialog keuangan berkelanjutan b. Contribute to sustainable finance dialogue with stakeholders to
dengan berbagai pemangku kepentingan untuk meningkatkan increase cross-agency synergy and expand the implementation
sinergi lintas instansi dan memperluas penerapan keuangan of sustainable finance in Indonesia.
berkelanjutan di Indonesia.
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About The Sustainability Report 99
Perkara Penting [2-27]
Important Issues [2-27]
Bank senantiasa berupaya menegakkan budaya kepatuhan di seluruh The Bank strives to uphold a culture of compliance at all levels of the
level organisasi dan melakukan pemantauan kepatuhan secara terus- Bank’s organization and carries out continuous compliance monitoring
menerus untuk memastikan kebijakan, ketentuan, sistem dan prosedur to ensure policies, provisions, systems and procedures as well as
serta kegiatan usaha yang dijalankan sesuai dengan peraturan dan business activities are carried out in accordance with applicable laws
ketentuan perundang-undangan yang berlaku, termasuk juga prinsip and regulations, including sharia principles. In the Semester II 2023
syariah. Adapun periode Semester II Tahun 2023 masih terdapat period, however, there were sanctions imposed by the regulator due
pengenaan sanksi oleh regulator dikarenakan pelanggaran kewajiban to violations of reporting obligations as stated in the following letters
laporan sebagaimana surat dari regulator sebagai berikut: from the regulator:
1. Surat BI No. 25/87/DPKL-GPLB-PLBG/Srt/Rhs tanggal 21 November 1. BI Letter No. 25/87/DPKL-GPLB-PLBG/Srt/Rhs dated November 21,
2023 perihal Pengenaan Sanksi Kewajiban Membayar Atas Koreksi 2023 concerning the Imposition of Sanctions for the Obligation
Di Luar Batas Waktu Penyampaian Laporan KI Keuangan Bulanan to Pay for Corrections Outside the Deadline for Submitting the
Laporan Bank Umum Terintegrasi (LBUT). Monthly Financial KI Report, Integrated Commercial Bank Report
(LBUT).
2. Surat BI No. 25/369/DPKL-GPLB-PLBP/Srt/B tanggal 20 Desember 2. BI Letter No. 25/369/DPKL-GPLB-PLBP/Srt/B dated December
2023 perihal Sanksi Laporan Bank Umum Terintegrasi (LBUT) PT 20, 2023 concerning Sanctions for PT Bank Aladin Syariah Tbk
Bank Aladin Syariah Tbk. Integrated Commercial Bank Reports (LBUT).
3. Lampiran Surat OJK No. S-145/PB.341/2022 tanggal 21 Desember 3. Attachment to OJK Letter No. S-145/PB.341/2022 dated December
2022 perihal Rekapitulasi Kesalahan Pelaporan SLIK Berdasarkan 21, 2022 concerning Recapitulation of SLIK Reporting Errors Based
Hasil Pemeriksaan PT Bank Aladin Syariah Tbk posisi 31 Juli 2012 on Audit Results of PT Bank Aladin Syariah Tbk position on July 31,
subsequent event s.d. 31 Oktober 2022. 2012 and subsequent events up to October 31, 2022.
4. Lampiran Surat OJK No. S-145/PB.341/2022 tanggal 21 Desember 4. Attachment to OJK Letter No. S-145/PB.341/2022 dated December
2022 perihal Rekap Kesalahan Pelaporan LBUT Berdasarkan 21, 2022 concerning Recap of LBUT Reporting Errors Based on PT
Hasil Pemeriksaan PT Bank Aladin Syariah Tbk posisi 31 Juli 2012 Bank Aladin Syariah Tbk Audit Results position on July 31, 2012
subsequent event s.d. 31 Oktober 2022. and subsequent events up to October 31, 2022.
5. Lampiran Surat OJK No. SR-13/PB.223/2023 tanggal 28 Desember 5. Attachment to OJK Letter No. SR-13/PB.223/2023 dated December
2023 perihal Rekap Kesalahan Pelaporan SLIK Berdasarkan Hasil 28, 2023 concerning Recap of SLIK Reporting Errors Based on PT
Pemeriksaan PT Bank Aladin Syariah Tbk posisi 30 Juni 2023 Bank Aladin Syariah Tbk Audit Results position on June 30, 2023
subsequent event s.d. 30 September 2023. and subsequent events up to September 30, 2023.
6. Lampiran Surat OJK No. SR-13/PB.223/2023 tanggal 28 Desember 6. Attachment to OJK Letter No. SR-13/PB.223/2023 dated December
2023 perihal Rekap Kesalahan Pelaporan LBUT Berdasarkan Hasil 28, 2023 concerning Recap of LBUT Reporting Errors Based on PT
Pemeriksaan PT Bank Aladin Syariah Tbk posisi 30 Juni 2023 Bank Aladin Syariah Tbk Audit Results position on June 30, 2023
subsequent event s.d. 30 September 2023. and subsequent events up to September 30, 2023.
7. Lampiran Surat OJK No. SR-13/PB.223/2023 tanggal 28 Desember 7. Attachment to OJK Letter No. SR-13/PB.223/2023 dated December
2023 perihal Rekapitulasi Sanksi Kewajiban Membayar lainnya 28, 2023 concerning Recapitulation of Sanctions for Other Payment
Berdasarkan Hasil Pemeriksaan PT Bank Aladin Syariah Tbk posisi Obligations Based on the Audit Results of PT Bank Aladin Syariah
30 Juni 2023 subsequent event s.d. 30 September 2023. Tbk position on June 30, 2023 and subsequent events up to
September 30, 2023.
Berikut jumlah rincian sanksi Bank selama periode Semester II tahun The following shows the Bank sanctions up to Semester II 2023
2023
Jenis Sanksi
No Keterangan Tanggal Regulator Nominal Sanksi
Type of
No Description Date Regulator Nominal Sanction
Sanction
1 Sanksi Kewajiban Membayar atas Penyampaian Koreksi Laporan 21 November 2023 BI Denda 200,000
KI Keuangan Bulanan LBUT di Luar Batas Waktu November 21, 2023 Fine
Sanctions for Obligation to Pay Submitting Corrections to LBUT's
Monthly Financial KI Reports Beyond the Deadline
2 Sanksi Pelanggaran Koreksi di luar batas waktu Kelompok 20 Desember 2023 BI Denda 500,000
Informasi Harian LBUT December 20, 2023 Fine
Violation Sanctions Corrections beyond the LBUT Daily
Information Group deadline
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Jenis Sanksi
No Keterangan Tanggal Regulator Nominal Sanksi
Type of
No Description Date Regulator Nominal Sanction
Sanction
3 Kesalahan pelaporan pada Sistem Layanan Informasi Keuangan 21 Desember 2022 OJK Denda 200,000
(SLIK) (Sektor Ekonomi dan Suku Bunga) December 21, 2022 Fine
Reporting errors in the Financial Information Services System
(SLIK) (Economic Sector and Interest Rates)
4 Kesalahan pelaporan data melalui Laporan Bank Umum 21 Desember 2022 OJK Denda 100,000
Terintegrasi (LBUT) (Kelompok Informasi Keuangan) December 21, 2022 Fine
Data reporting errors via Integrated Commercial Bank Reports
(LBUT) (Financial Information Group)
5 Kesalahan pelaporan pada Sistem Layanan Informasi Keuangan 28 Desember 2023 OJK Denda 2,600,000
(SLIK) December 28, 2023 Fine
Reporting errors in the Financial Information Services System
(SLIK)
6 Kesalahan pelaporan data melalui Laporan Bank Umum 28 Desember 2023 OJK Denda 700,000
Terintegrasi (LBUT) (Kelompok Informasi Keuangan - Pelaporan December 28, 2023 Fine
Nominal Agunan)
Data reporting errors via Integrated Commercial Bank Reports
(LBUT) (Financial Information Group - Nominal Collateral
Reporting)
7 Sanksi tidak menyampaikan laporan realisasi produk Bank dasar 28 Desember 2023 OJK Denda 50,000,000
Sanctions for not submitting basic bank product realization December 28, 2023 Fine
reports
Total 54,300,000
Selanjutnya, pada tanggal 14 April 2021, Bank menerima Surat Ketetapan Furthermore, on April 14, 2021, the Bank received a tax assessment
Pajak Kurang Bayar pajak penghasilan badan dan pajak lainnya masing- letter for underpayment of corporate income tax and other taxes
masing sebesar Rp 79.540.990.813,00 dan Rp 312.002.344,00. Untuk amounting to Rp79,540,990,813.00 and Rp312,002,344.00,
kurang bayar pajak sebesar Rp 312.002.344,00 telah Bank bayarkan respectively. The Bank paid the tax underpayment of Rp312,002,344.00
pada 2021. Namun untuk kurang bayar pajak Rp 79.540.990.813,00, in 2021. However, for the underpayment of tax of Rp79,540,990,813.00,
Bank mengajukan keberatan. Pada tanggal 2 Agustus 2022, Bank the Bank submitted an objection. On August 2, 2022, the Bank received
menerima surat penolakan keberatan dari Direktorat Jenderal Pajak. a letter from the Directorate General of Taxes rejecting the objection.
Berdasarkan surat tersebut, Bank mengajukan proses banding ke In reply to this letter, the Bank submitted an appeal process in the tax
pengadilan pajak pada tanggal 1 November 2022. Sampai dengan 31 court on November 1, 2022. As of December 31, 2023, the results of
Desember 2023, hasil banding tersebut masih dalam proses. the appeal are still in process.
Di luar perkara di atas, Bank tidak memiliki perkara lain dalam hal Other than the above cases, there were no other cases regarding the
kepatuhan terhadap peraturan dan ketentuan terkait perpajakan, Bank’s compliance with regulations and provisions related to taxation,
hubungan industrial atau ketenagakerjaan, pengelolaan lingkungan industrial relations or employment, environmental management, or
hidup, maupun aspek sosial kemasyarakatan. social aspects.
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Kinerja Keberlanjutan
Sustainability Performance 103
Kinerja
Keberlanjutan
Sustainability Performance
Profitabilitas menjadi fondasi,
yang diikuti dengan pengelolaan
berbagai aspek dalam rangka
mewujudkan keberlanjutan.
Profitability is the foundation,
followed by managing the aspects to
realize sustainability.
Laporan Berkelanjutan 2023
05
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Pengelolaan Aspek Ekonomi
Management of Economic Aspect
Kinerja Ekonomi Bank Aladin Syariah Bank Aladin Syariah
Economic Performance
Sebagai bagian dari pelaku sektor jasa keuangan terkhusus perbankan As a part of the financial services sector, especially sharia banking,
syariah, Bank Aladin Syariah turut terdampak positif atas pertumbuhan Bank Aladin Syariah will also have a positive impact on Indonesia’s
ekonomi Indonesia yang berkelanjutan pada tahun 2023. Hal itu sustainable economic growth in 2023. This is shown by the trend of
ditunjukkan dengan adanya tren peningkatan kinerja ekonomi increasing economic performance as stated in the financial report for
sebagaimana disampaikan dalam laporan keuangan tahun pelaporan the reporting year, which has been audited by the Public Accounting
yang telah diaudit oleh Kantor Akuntan Publik. Firm.
Pencapaian tersebut tidak lepas dari ketepatan kebijakan strategis This achievement is resulted from the right strategies set by the Bank
yang ditetapkan Bank untuk mewujudkan target dan kinerja terbaik to achieve the best targets and performance in accordance to the Bank
dalam Rencana Bisnis Bank (RBB) tahun 2023. Selaras dengan itu, Business Plan (RBB) for 2023. In line with this, during the reporting
selama tahun pelaporan, Bank secara konsisten menjalankan kebijakan year, the Bank consistently implemented strategic policies that were
strategis yang telah ditetapkan dalam RBB, termasuk melakukan set in the RBB, including making necessary adjustments to adapt with
berbagai penyesuaian di lapangan. the macro situation.
Untuk mendapatkan dukungan dan kontribusi maksimal dari seluruh For maximum support and contribution from all Bank Aladin Syariah
insan Bank Aladin Syariah, manajemen secara berkala melakukan personnel, management regularly carries out socialization on a number
sosialisasi melalui berbagai kesempatan dan media. Upaya tersebut of occasions and through the media. These efforts are carried out by
dilakukan Bank sekaligus sebagai momentum membangun budaya the Bank as a momentum to build a culture of sustainability within
keberlanjutan di lingkungan Bank Aladin Syariah [F.1]. Bank Aladin Syariah [F.1].
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Kinerja Keberlanjutan
Sustainability Performance 105
Selama tahun pelaporan, seluruh insan Bank Aladin Syariah bersinergi During the reporting year, all Bank Aladin Syariah personnel worked
untuk menjalankan berbagai kebijakan strategis yang telah ditetapkan together to implement strategic predetermined policies to realize
guna mewujudkan target dan kinerja dalam RBB Tahun 2023. Upaya targets and performance in the 2023 RBB. These efforts resulting in
tersebut membawa hasil dengan pencapaian target dan realisasi the following achievement of targets and realization [3-3].
sebagai berikut [3-3].
Perbandingan Target dan Realisasi Pembiayaan, Pendapatan dan Laba Rugi Periode 2021-2023 [F.2] [F.3]
Comparison of Targets and Realization of Financing, Revenue and Profit and Loss for the 2021-2023 Period [F.2] [F.3]
2023 2022 2021 Kenaikan
(Penurunan)
Perihal 2022-2023
Subject Target Realisasi % Target Realisasi % Target Realisasi Increase (Decrease)
%
Target Realization % Target Realization % Target Realization 2022-2023
(%)
KINERJA KEUANGAN
Financial Performance
Total Aset (Rp-juta) 6.554.747 7.092.120 108,20 4.150.945 4.733.401 114,03 2.319.768 2.173.162 93,68 49,83
Total Assets (Rp Million)
Aset Produktif (Rp-juta) 5.879.592 4.525.689 76,97 3.839.738 4.332.650 112,84 2.242.159 2.043.037 91,12 4,46
Earning Assets (Rp Million)
Kredit/Pembiayaan Bank (Rp-juta) 3.004.385 3.102.309 103,26 500.000 1.376.864 275,37 35.000 - - 125,32
Bank Credit/Financing (Rp Million)
Dana Pihak Ketiga (Rp-juta) 2.374.797 3.254.999 137,06 683.599 794.649 116,24 38.140 1.038.183 2.722,03 309,61
Third Party Funds (Rp Million)
Pendapatan Operasional (Rp Juta) 276.664 334.502 120,91 76.473 81.755 106,91 41.454 36.111 87,11 309,15
Operating Revenue (Rp Million)
Beban Operasional (Rp-juta) (534.180) (477.666) 89,42 (384.945) (305.143) 79,27 (189.072) (156.319) 82,68 56,54
Operating Expenses (Rp Million)
Laba Bersih (Rp-juta) (247.447) (226.738) 91,63 (283.152) (264.913) 93,56 (127.730) (121.275) 94,95 (14,41)
Net Profit (Rp Million)
RASIO KINERJA
Performance Ratio
Rasio Kecukupan Modal Minimum 105,85 96.17 3,79 286,19 189,28 66,14 930,62 390,50 41,96 (185,27)
(KPMM) (%)
Minimum Capital Adequacy Ratio
(KPMM) (%)
Aset produktif bermasalah dan aset 0,09 0,00 - - - - - - - -
nonproduktif 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 terhadap total 0,10 0,00 - - - - - - - -
aset produktif (%)
Non-performing earning assets to total
earning assets (%)
Cadangan Kerugian Penurunan Nilai 0,74 0,84 113,51 0,37 0,88 237,84 0,18 - - (0,04)
(CKPN) aset keuangan terhadap aset
produktif (%)
Allowance for Impairment Losses (CKPN)
of financial assets against earning
assets (%)
Non Performing Loan (NPL) gross (%) 0,19 0,00 - - - - - - - -
Gross NPL (%)
NPL nett (%) 0,16 0,00 - - - - - - - -
Net NPL (%)
Return on Asset (ROA) (%) (4,62) (4,22) 91,34 (11,82) (10,85) 91,79 (9,87) (8,81) 89,26 6,63
Return on Asset (ROA) (%)
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Perbandingan Target dan Realisasi Pembiayaan, Pendapatan dan Laba Rugi Periode 2021-2023 [F.2] [F.3]
Comparison of Targets and Realization of Financing, Revenue and Profit and Loss for the 2021-2023 Period [F.2] [F.3]
2023 2022 2021 Kenaikan
(Penurunan)
Perihal 2022-2023
Subject Target Realisasi % Target Realisasi % Target Realisasi Increase (Decrease)
%
Target Realization % Target Realization % Target Realization 2022-2023
(%)
Return on Equity (ROE) (%) (7,17) (7,55) 105,30 (8,43) (8,50) 100,83 (13,77) (10,10) 73,35 0,95
Return on Equity (ROE) (%)
Net Imbalan (NI) (%) 5,33 4,56 85,55 3,04 3,36 110,53 3,97 2,96 74,56 1,20
Net Return (%)
Rasio Efisiensi (BOPO) (%) 166,59 128,65 77,23 377,48 354,75 93,98 442,41 428,40 96,83 (226,10)
Efficiency Ratio (BOPO) (%)
Financing to Deposit Ratio (FDR) (%) 126,51 95,31 75,34 73,14 173,27 236,90 91,77 - - (77,96)
Financing to Deposit Ratio (FDR) (%)
NILAI LIQUIDITY COVERAGE RATIO (LCR)*
Liquidity Coverage Ratio (LCR) (%)*
LCR secara individu (%) N/a N/a - N/a N/a - N/a N/a - -
LCR individually (%)
LCR secara konsolidasi (%) N/a N/a - N/a N/a - N/a N/a - -
LCR on consolidated basis (%)
PENERAPAN KEUANGAN BERKELANJUTAN
Implementation of Sustainable Finance
NILAI OUTSTANDING PRODUK YANG MEMENUHI KRITERIA KEGIATAN USAHA BERKELANJUTAN
Outstanding value of products that meet the criteria for sustainable business activities
Penghimpunan Dana (Rp-juta) 623,13 451,57 72,47 - - - - - - -
Fundraising (Rp-million)
Penyaluran Dana (Rp-juta) 602,88 2.028,25 336,43 75.000 1.284,93 1,71 - - - 57,85
Distribution of Funds (Rp-million)
TOTAL ASET PRODUKTIF KEGIATAN USAHA BERKELANJUTAN
Total Earning assets of Sustainable Business Activities
Total Kredit/Pembiayaan Kegiatan Usaha 602,88 2.028,25 336,43 75.000 1.284,93 1,71 - - - 57,85
Berkelanjutan (Rp-juta)
Total Credit/Financing for Sustainable
Business Activities (Rp-million)
Total Non-Kredit/Pembiayaan Non- 2.403,51 1.074,06 44,69 425.000 91,94 0,02 - - - 1.068,22
Kegiatan Usaha Berkelanjutan (Rp-juta)
Total Non-Credit/Financing for Non-
Sustainable Business Activities (Rp-
million)
Persentase total kredit/pembiayaan 20,00 65,38 326,90 15,00 93,32% 622,13 - - - (29,94)
kegiatan usaha berkelanjutan terhadap
total kredit/pembiayaan bank (%)
Percentage of total credit/financing of
sustainable business activities to total
bank credit/financing (%)
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan *) Only completed by Banks that are required to prepare and publish
mempublikasikan perhitungan dan nilai Liquidity Coverage Ratio (LCR) the calculation and value of the Quarterly Liquidity Coverage Ratio
Triwulanan sebagaimana diatur dalam ketentuan mengenai kewajiban (LCR) as regulated in the provisions related to the obligation to fulfill
pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum. Nilai the liquidity adequacy ratio (LCR) for commercial Banks. The LCR was
LCR pertama kali disajikan untuk posisi laporan bulan Maret 2019. first presented for the March 2019 reporting position.
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Kinerja Keberlanjutan
Sustainability Performance 107
Pendapatan dan Bagi Hasil Periode 2021-2023
Revenue and Profit Sharing for the 2021-2023 Period
Kenaikan (Penurunan) 2022-2023
2023 2022 2021 Increase (Decrease) 2022-2023
Perihal (Rp-juta) (Rp-juta) (Rp-juta) Nominal
Subject 2023 2022 2021 Persentase
(Rp-juta) Percentage
(Rp-million) (Rp- million) (Rp- million) Nominal
(%)
(Rp- million)
Total Pendapatan Bank sebagai Mudharib 334.502 81.755 36.111 252.747 309,15
Total Bank Revenue as Mudharib
PENGURANGAN : PENDAPATAN PERIODE BERJALAN KAS YANG BELUM DITERIMA
Deductions: Current period income not received cash
Keuntungan Murabahah 1.212 3.029 - (1.817) (59,99)
Murabaha profit
Pendapatan dari sukuk negara 1.191 123 866 1.068 868,29
Revenue from Government sukuk
Pendapatan dari fasilitas simpanan
Revenue from deposit facilities
Bank Indonesia Syariah (SBSN) 5.460 6.795 1.349 (1.335) (19,65)
Bank Indonesia Syariah (SBSN)
Bank Indonesia Syariah (FASBIS) 767 458 87 309 67,47
Bank Indonesia Syariah (FASBIS)
Total Pengurangan 8.815 10.405 2.322 (1.590) (15,28)
Total Reduction
PENDAPATAN PERIODE SEBELUMNYA YANG KASNYA DITERIMA PADA PERIODE BERJALAN
Prior period income for which cash was received in the current period
Keuntungan murabahah 3.029 - - 3.029 -
Murabaha profit
Pendapatan dari sukuk negara 124 886 175 (762) (86,00)
Revenue from Government bonds
PENDAPATAN DARI FASILITAS SIMPANAN
Revenue from deposit facilities
Bank Indonesia Syariah (SBSN) 6.795 1.349 703 5.446 403,71
Bank Indonesia Syariah (SBSN)
Bank Indonesia Syariah (FASBIS) 458 87 8 371 426,44
Bank Indonesia Syariah (FASBIS)
Total Penambahan 10.406 2.322 886 8.084 348,15
Total Addition
Pendapatan usaha yang tersedia untuk bagi hasil 336.093 73.672 34.675 262.421 356,20
Profit sharing becoming the right of the bank
Bagi hasil yang menjadi hak bank 215.049 49.690 34.272 165.359 332,78
Profit sharing becoming the right of the owner of the funds
Bagi hasil yang menjadi hak pemilik dana 121.047 23.982 403 97.065 404,74
Profit sharing is the right of the owner of the funds
Hak Pemilik dana atas hasil dana syirkah temporer yang sudah 121.047 23.982 403 97.065 404,74
didistribusikan
Fund owner's right to the results of distributed temporary
syirkah funds
Investasi pada Surat Berharga Periode 2021-2023
Investment in Securities for the 2021-2023 Period
Kenaikan (Penurunan) 2022-2023
2023 2022 2021 Increase (Decrease) 2022-2023
Perihal (Rp-juta) (Rp-juta) (Rp-juta) Nominal
Subject 2023 2022 2021 Persentase
(Rp-juta)
(Rp-million) (Rp- million) (Rp- million) Percentage
Nominal
(%)
(Rp- million)
Sukuk Negara Ritel 615.779 899.533 345.300 5.446 403,71
Retail Government Bonds
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Investasi pada Surat Berharga Periode 2021-2023
Investment in Securities for the 2021-2023 Period
Kenaikan (Penurunan) 2022-2023
2023 2022 2021 Increase (Decrease) 2022-2023
Perihal (Rp-juta) (Rp-juta) (Rp-juta) Nominal
Subject 2023 2022 2021 Persentase
(Rp-juta)
(Rp-million) (Rp- million) (Rp- million) Percentage
Nominal
(%)
(Rp- million)
Sukuk Negara Bank Indonesia 10.000 44.920 248.965 371 426,44
Bank Indonesia Government Bonds
Sertifikat Investasi Mudharabah Antar Bank (SIMA) 325.000 - - 8.084 348,15
Sertifikat Investasi Mudharabah Antar Bank (SIMA)
Jumlah 950.779 944.453 594.265 262.421 356,20
Total
Distribusi Nilai Ekonomi Distribution of Economic Value
Seusai dengan pencapaian kinerja di atas, maka distribusi nilai ekonomi Based on the above achievement, the distribution of Bank Aladin
Bank Aladin Syariah, yaitu nilai ekonomi langsung yang dihasilkan, Syariah economic value, namely the direct economic value produced,
nilai ekonomi yang didistribusikan, dan nilai ekonomi yang ditahan, the distributed economic value and the retained economic value, could
dapat dihitung. Nilai ekonomi langsung yang dihasilkan adalah be calculated. The direct economic value generated is the amount of
sejumlah pendapatan yang diperoleh dari hasil kegiatan bisnis Bank. income obtained from the results of the Bank’s business activities.
Sedangkan nilai ekonomi yang didistribusikan merupakan sejumlah Meanwhile, distributed economic value is a number of expenditures
pengeluaran yang didistribusikan sebagai bentuk kontribusi Bank dalam distributed in a form of the Bank’s contribution to increasing the rate
meningkatkan laju pertumbuhan ekonomi dan kesejahteraan para of economic growth and welfare of stakeholders, such as payment
pemangku kepentingan, seperti pembayaran gaji, pajak, pembayaran of salaries, taxes, payments to suppliers, as well as the realization of
untuk pemasok, maupun realisasi dana untuk masyarakat sebagai funds for the community for realization of Social and Environmental
salah satu bentuk perwujudan Tanggung Jawab Sosial dan Lingkungan Responsibility. (TJSL), through various Corporate Social Responsibility
(TJSL), yang diimplementasikan melalui berbagai Program Tanggung (CSR) Programs. The retained economic value is the difference between
Jawab Sosial Perusahaan (Corporate Social Responsibility/CSR). Adapun the economic value produced minus the distributed economic value,
nilai ekonomi yang ditahan adalah selisih antara nilai ekonomi yang which is used to expand the Bank’s business [3-3].
dihasilkan dikurangi dengan nilai ekonomi yang didistribusikan, yang
digunakan untuk melanjutkan dan mengembangkan usaha Bank [3-3].
Distribusi Nilai Ekonomi Tahun 2021-2023 [201-1]
Distribution of Economic Value for 2021-2023 [201-1]
Kenaikan (Penurunan) 2022-2023
2023 2022 2021 Increase (Decrease) 2022-2023
Perihal (Rp-juta) (Rp-juta) (Rp-juta) Nominal
Subject 2023 2022 2021 Persentase
(Rp-juta) Percentage
(Rp-million) (Rp- million) (Rp- million) Nominal
(%)
(Rp- million)
NILAI EKONOMI LANGSUNG YANG DIHASILKAN
Direct Economic Value Generated
Pendapatan dari piutang 201.056 16.101 3 184.955 1.148,72
Income from receivables
Pendapatan usaha utama lainnya 133.446 65.654 36.108 67.792 103,26
Other main operating income
Laba selisih kurs-neto (11) 150 158 (161) (107,33)
Gain on foreign exchange-net
Pendapatan Lain-Lain Neto 36.805 19.638 627 17.167 87,42
Net Other Income
(Pembentukan) Pembalikan Cadangan Kerugian Penurunan Nilai (14.654) (35.025) (3.069) 20.371 (58,16)
Aset Produktif
(Provision) Reversal of Allowance for Impairment Losses on
Earning Assets
Pembalikan Estimasi Kerugian Komitmen dan Kontingensi (1.070) (1.752) - 682 (38,93)
Reversal of Estimated Losses on Commitment and Contingencies
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Kinerja Keberlanjutan
Sustainability Performance 109
Distribusi Nilai Ekonomi Tahun 2021-2023 [201-1]
Distribution of Economic Value for 2021-2023 [201-1]
Kenaikan (Penurunan) 2022-2023
2023 2022 2021 Increase (Decrease) 2022-2023
Perihal (Rp-juta) (Rp-juta) (Rp-juta) Nominal
Subject 2023 2022 2021 Persentase
(Rp-juta) Percentage
(Rp-million) (Rp- million) (Rp- million) Nominal
(%)
(Rp- million)
Pendapatan Non Operasional Neto 16.403 (554) 1.620 16.957 (3.060,83)
Non-Operating Income - Net
Jumlah Nilai Ekonomi Langsung yang Dihasilkan 371.975 64.212 35.447 307.763 479,29
Total Direct Economic Value Generated
NILAI EKONOMI LANGSUNG YANG DIDISTRIBUSIKAN
Direct Economic Value Distributed
Hak pihak ketiga atas bagi hasil dana syirkah temporer (121.047) (23.982) (403) (97.065) 404,74
Third parties’ share on return of temporary syirkah funds
Beban umum dan administrasi (137.667) (86.734) (45.840) (50.933) 58,72
General and administrative expenses
Gaji dan Kesejahteraan Karyawan (194.251) (161.867) (80.351) (32.384) 20,01
Salary and Employee Welfare
Rugi selisih kurs- Neto - - - - -
Loss on foreign exchange - Net
Penyusutan dan amortisasi (24.070) (18.703) (10.356) (5.367) 28,70
Depreciation and amortization
Promosi (105.799) (22.037) (4.594) (83.762) 380,10
Promotion
Pungutan Otoritas Jasa Keuangan (3.282) (1.631) (327) (1.651) 101,23
Financial Services Authority Fees
Beban pajak, CSR, dan beban outsourcing*) (12.597) (14.171) (14.851) 1.574 (11,11)
Tax expenses, CSR, and outsourcing expenses *)
Lain-lain (12.597) (14.171) (14.851) 1.574 (11,11)
Others
Total Nilai Ekonomi Langsung yang Didistribusikan (598.713) (329.125) (156.722) (269.588) 81,91
Total Direct Economic Value Distributed
Total Nilai Ekonomi yang Ditahan (226.738) (264.913) (121.275) 38.175 (14,41)
Total Economic Value Retained
*) Termasuk beban pajak reklame, pajak PS.26, PPN, PS.23, dan pajak lainnya. Total beban pajak yang dibayarkan oleh Bank pada tahun 2023 tercatat sebesar Rp 1,68
miliar.
*) Includes advertising tax, PS.26 tax, VAT, PS.23 and other taxes. The total tax expense paid by the Bank in 2023 was Rp1.68 billion.
Keterlibatan Masyarakat Lokal Local Community Involvement
dalam Rantai Pasokan in Supply Chains
Bank Aladin Syariah menjalin kerja sama dengan berbagai pemasok/ Bank Aladin Syariah collaborates with suppliers/vendors to maximize
vendor untuk memaksimalkan nilai dari para pemangku kepentingan value from stakeholders and support the Bank’s operational activities
dan mendukung kegiatan operasional Bank secara berkelanjutan. in a sustainable manner. Therefore, the Bank always maintains good
Oleh karena itu, Bank senantiasa menjaga hubungan baik dan rutin relations and regularly communicates with vendors, especially
berkomunikasi dengan para vendor, khususnya pemasok barang dan suppliers of goods and services that are considered critical to the
jasa yang dianggap kritikal terhadap kelangsungan usaha Bank, guna Bank’s business continuity, in order to anticipate possible disruptions
mengantisipasi kemungkinan terjadinya gangguan dalam aktivitas in their operational activities [3-3].
operasional mereka [3-3].
Terkait dengan aspek berkelanjutan, Bank Aladin Syariah berupaya Regarding the sustainable aspect, Bank Aladin Syariah seeks to
untuk memahami dampak sosial dan lingkungan dari kegiatan understand the social and environmental impacts of the Bank’s
operasional Bank melalui rantai pasokan yang dimiliki. Beberapa operational activities through its supply chain. Several related initiatives
inisiatif terkait yang telah dilakukan Bank pada tahun 2023 antara lain: undertaken by the Bank in 2023 included:
1. Melakukan pengukuran tingkat konsumsi energi dari server/backup 1. Measuring the energy consumption level of the server/backup
server Bank Aladin Syariah yang dikelola oleh vendor. server of Bank Aladin Syariah that is managed by the vendor.
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2. Menunjuk perusahaan jasa konsultan dalam bidang karbon 2. Appointing a consulting services company in the field of carbon
dan keberlanjutan, untuk menghitung emisi cakupan 1, 2 dan and sustainability, to calculate emissions for scope 1, 2 and 3,
3, termasuk emisi penggunaan energi dari mobilitas karyawan including emissions from energy use due to employee mobility
dan perjalanan dinas. and business travel.
3. Melanjutkan kerjasama dengan Rekosistem untuk melakukan 3. Continuing collaboration with Rekosistem to provide services for
jasa pemilahan dan pengelolaan limbah operasional Bank, serta sorting and managing Bank operational waste, as well as calculating
menghitung dampak lingkungan dari pemilahan dan pengelolaan the environmental impact of sorting and managing this waste.
limbah tersebut.
4. Memperbaharui dan menerapkan Pakta Integritas untuk pemasok/ 4. Updating and implementing the Integrity Pact for suppliers/
vendor yang mewajibkan pemasok/vendor untuk mematuhi vendors which requires suppliers/vendors to comply with the
peraturan perundang-undangan yang berlaku, tidak melakukan applicable law and regulations, commit not to act fraudulent
praktik fraud, suap/gratifikasi, korupsi, kolusi dan nepotisme, serta activities, bribery/gratification, corruption, collusion and nepotism,
berkomitmen dalam menerapkan prinsip-prinsip keberlanjutan as well as committed to implement sustainability principles that
yang mencakup aspek ketenagakerjaan, lingkungan, hak asasi cover the aspects of labor, environment, human rights, and the
manusia, serta perlindungan dan keamanan data. protection and security of data.
Sejalan dengan prinsip memberikan kontribusi maksimal terhadap In line with the principle of providing maximum contributions to
pertumbuhan ekonomi daerah, khususnya Jakarta, Bank mengutamakan regional economic growth, especially in Jakarta, the Bank prioritizes
pemasok lokal dalam rantai pasokan. Pemasok lokal adalah mereka local suppliers in the supply chain. Local suppliers are those who
yang menjalankan usaha dan berdomisili dengan area satu provinsi run businesses and are domiciled in the same province as the Bank
dengan operasional Bank, yaitu Jakarta. Apabila pemasok lokal tidak operates, namely Jakarta. If local suppliers cannot provide the goods
bisa menyediakan kebutuhan barang dan jasa yang diperlukan Bank, and services required by the Bank, the Bank will collaborate with
maka Bank akan menjalin kerja sama dengan pemasok nasional, yaitu national suppliers, namely those suppliers who run businesses and
pemasok yang menjalankan usaha dan berdomisili di Iuar Jakarta, are domiciled outside Jakarta, but are still in Indonesia. Then, if local
namun masih berada di Indonesia. Selanjutnya, apabila pemasok and national suppliers cannot provide the goods and services required
lokal dan nasional tidak bisa menyediakan kebutuhan barang dan jasa by the Bank or under certain considerations, the Bank will collaborate
yang diperlukan Bank atau dengan pertimbangan tertentu, Bank akan with foreign/international suppliers, namely those who run businesses
bekerja sama dengan pemasok asing/internasional, yaitu mereka yang and are domiciled outside Indonesia [3-3].
menjalankan usaha dan berdomisili di luar Indonesia [3-3].
Berdasarkan kriteria di atas, pemasok barang dan jasa selengkapnya Based on the above criteria, suppliers of goods and services can be
disajikan dalam tabel berikut: seen in the following table:
Pemasok Barang dan Jasa Tahun 2021-2023 [204-1]
Suppliers of Goods and Services 2021-2023 [204-1]
Kenaikan (Penurunan)
2022-2023
2023 2022 2021
Increase (Decrease) 2022-
Perihal 2023
Subject
Komposisi Komposisi Komposisi Persentase
Jumlah Jumlah Jumlah Nominal
Composition Composition Composition Percentage
Total Total Total Nominal
(%) (%) (%) (%)
PEMASOK UNTUK PENGADAAN BARANG
Procurement of Goods Suppliers
JUMLAH PEMASOK
Number of Suppliers
Lokal/Jakarta - - - - - - - -
Local/Jakarta
Nasional 46 29,30 47 34,56 26 38,24 (1) (2,13)
National
Luar negeri - - - - - - - -
Overseas
Jumlah 46 29,30 47 34,56 26 38,24 (1) (2,13)
Total
NILAI KONTRAK PEKERJAAN (RP-JUTA)
Work Contract Value (Rp-million)
Lokal/Jakarta - - - - - - - -
Local/Jakarta
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Sustainability Performance 111
Pemasok Barang dan Jasa Tahun 2021-2023 [204-1]
Suppliers of Goods and Services 2021-2023 [204-1]
Kenaikan (Penurunan)
2022-2023
2023 2022 2021
Increase (Decrease) 2022-
Perihal 2023
Subject
Komposisi Komposisi Komposisi Persentase
Jumlah Jumlah Jumlah Nominal
Composition Composition Composition Percentage
Total Total Total Nominal
(%) (%) (%) (%)
Nasional 4.713 0,80 6.814 3,01 17.066 10,79 (2.101) (30,83)
National
Luar negeri - - - - - - - -
Overseas
Jumlah 4.713 0,80 6.814 3,01 17.066 10,79 (2.101) (30,83)
Total
PEMASOK UNTUK PENGADAAN JASA
Procurement of Services Suppliers
JUMLAH PEMASOK
Number of Suppliers
Lokal/Jakarta 106 67,52 84 61,76 42 61,76 22 26.19
Local/Jakarta
Nasional - - - - - - - -
National
Luar negeri 5 3,18 5 3,68 - - - -
Overseas
Jumlah 111 70,70 89 65,44 42 61,76 22 24,72
Total
NILAI KONTRAK PEKERJAAN (RP-JUTA)
Work Contract Value (Rp-million)
Lokal/Jakarta 575.836 98,12 209.666 92,51 141.097 89,21 366.170 174.64
Local/Jakarta
Nasional - - - - - - - -
National
Luar negeri 6.327 1,08 10.170 4,49 - - (3.843) (37,79)
Overseas
Jumlah 582.163 99,20 219.837 96,99 141.097 89,21 362.326 164,82
Total
JUMLAH KESELURUHAN PENGADAAN
Total Procurement
JUMLAH PEMASOK
NUMBER OF SUPPLIERS
Lokal/Jakarta 106 67,52 84 61,76 42 61,76 22 26,19
Local/Jakarta
Nasional 46 29,30 47 34,56 26 38,24 (1) (2,13)
National
Luar negeri 5 3,18 5 3,68 - - - -
Overseas
Jumlah 157 100,00 136 100,00 68 100,00 21 15,44
Total
NILAI KONTRAK PEKERJAAN (RP-JUTA)
Work Contract Value (Rp-million)
Lokal/Jakarta 575.836 98,12 209.666 92,51 141.097 89,21 366.170 174.64
Local/Jakarta
Nasional 4.713 0,80 6.814 3,01 17.066 10,79 (2.101) (30,83)
National
Luar negeri 6.327 1,08 10.170 4,49 - - (3.843) (37,79)
Overseas
Jumlah 586.877 100,00 226.650 100,00 158.163 100,00 360.226 158,93
Total
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112 Secara keseluruhan, kenaikan dari sisi jumlah keseluruhan pengadaan In overall, the increase in the total number of procurements and the dan nilai kontrak pekerjaan disebabkan oleh meningkatnya kebutuhan value of work contracts were resulted from the increase in business di berbagai unit kerja sejalan dengan perluasan aktivitas operasional activities and needs given the expansion of the Bank’s operational Bank. activities during the reporting year. Perilaku Anti Persaingan/ Anti-Competitive Behavior/ Bersaing Secara Sehat Healthy Competition Bersaing sehat merupakan salah satu prinsip yang dipegang Bank Healthy competition is one of the principles adhered to by Bank Aladin Syariah dalam menjalankan usaha. Di tengah kompetisi yang Aladin Syariah when running its business. In the increasingly fierce semakin ketat, persaingan sehat akan membuat Bank terdorong untuk competition, healthy competition will encourage the Bank to come memberikan produk dan layanan terbaik yang sesuai dengan kebutuhan up with the best products and services that suit customer needs and dan harapan nasabah. Di sisi lain, persaingan akan menguntungkan expectations. On the other hand, competition will benefit customers nasabah karena mereka bisa memilih bank dengan produk dan layanan as they can choose the bank with the best products and services. terbaik. Dalam menghadapi persaingan yang kian ketat, sekaligus untuk In the face of increasingly fierce competition, as well as to overcome mengatasi persaingan, Bank berkomitmen untuk terus meningkatkan competition, the Bank is committed to improving the quality of its kualitas produk dan layanan, dan menentang praktik monopoli products and services, and is in oppose to monopolistic competition dan trust. Bank Aladin Syariah berprinsip bahwa persaingan sehat and trust practices. Bank Aladin Syariah strongly believes to the merupakan salah satu cara untuk mempromosikan efisiensi ekonomi principle that healthy competition is one way to promote economic untuk menuju pembangunan berkelanjutan, dan prinsip ini tertuang efficiency towards sustainable development, and this principle is stated di dalam Kode Etik dan Pedoman Perilaku Bank. in the Bank’s Code of Ethics and Code of Conduct. Komitmen segenap insan Bank Aladin Syariah untuk berkompetisi The commitment of all Bank Aladin Syariah personnel to compete secara sehat membawa hasil dengan tidak adanya tindakan hukum atau fairly has resulted in the absence of legal actions or sanctions from sanksi dari Komisi Pengawas Persaingan Usaha (KPPU) sebagai otoritas the Business Competition Supervisory Commission (KPPU) as the yang berwenang menangani dugaan terjadinya praktik monopoli authority that handles allegations of monopolistic practices and/or dan/atau persaingan usaha tidak sehat. Selain itu, Bank juga tidak unfair business competition. In addition, The Bank did not receive any mendapatkan sanksi atau denda karena melanggar peraturan anti- sanctions or fines for violating anti-trust and monopoly regulations trust dan monopoli di Indonesia. in Indonesia. Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas Sustainability Growth Through Collaboration & Inclusivity Sustainability Report 2023
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Pengelolaan Aspek Lingkungan
Management of Environmental Aspect
Meskipun kegiatan operasional industri perbankan memiliki dampak Despite the operational activities of the banking industry having a
lingkungan yang relatif lebih kecil bila dibandingkan dengan industri- relatively smaller environmental impact when compared to other
industri lain seperti pertambangan, energi, pertanian dan manufaktur, industries such as mining, energy, agriculture and manufacturing,
perbankan memiliki peran dan tanggung jawab yang tinggi untuk banking has a high role and responsibility for realizing environmental
mewujudkan kelestarian lingkungan. Dalam praktiknya, peran dan sustainability. In practice, the roles and responsibilities of the banking
tanggung jawab industri perbankan tersebut dapat terlaksana melalui: industry can be implemented through:
1. Pembuatan dan pengembangan produk-produk perbankan yang 1. Creating and developing banking products that encourage
dapat mendorong berbagai inisiatif pelestarian lingkungan secara commercial environmental conservation initiatives.
komersial.
2. Pemberian pembiayaan investasi untuk proyek-proyek ramah 2. Providing investment financing for environmentally friendly
lingkungan. projects.
3. Pemberian bantuan teknis kepada nasabah-nasabah eksisting 3. Providing technical assistance to existing customers to help
untuk membantu mempercepat transisi ke ekonomi yang rendah accelerate the transition to a low-carbon economy.
karbon.
4. Penetapan risiko sosial dan lingkungan sebagai bagian dari 4. Determining social and environmental risks as part of the Bank’s
kerangka kerja pengelolaan risiko bank. risk management framework.
5. Implementasi energy management system untuk menekan emisi 5. Implementing an energy management system to reduce carbon
karbon dari kegiatan operasional. emissions from operational activities.
6. Partisipasi aktif dalam kerangka kerja sama pembangunan 6. Actively participating in the sustainable development cooperation
berkelanjutan dengan berbagai pemangku kepentingan. framework with stakeholders.
Di Indonesia, komitmen dan kontribusi perbankan terhadap In Indonesia, banking commitment and contribution to environmental
kelestarian lingkungan merupakan implementasi terhadap Undang- sustainability is stipulated in the Republic of Indonesia Law No. 10
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114
Undang Republik Indonesia No. 10 Tahun 1998 tentang Perubahan of 1998 concerning Amendments to Law No. 7 of 1992 concerning
atas Undang-Undang No. 7 Tahun 1992 tentang Perbankan, yang di Banking that regulates the prudential principle in lending. Regulations
dalamnya mengatur tentang prinsip kehati-hatian dalam penyaluran related to banks contributing to environmental sustainability are further
kredit. Regulasi tentang perlunya perbankan berkontribusi terhadap stipulated in the Republic of Indonesia No. 32 of 2009 concerning
kelestarian lingkungan selanjutnya diatur dalam Undang-Undang Environmental Protection and Management, where in Article 43,
Republik Indonesia No. 32 Tahun 2009 tentang Perlindungan dan paragraph (3), letter c there is a clause that states “Development
Pengelolaan Lingkungan Hidup, di mana dalam Pasal 43, ayat (3), of environmentally friendly financial institution and capital market
huruf c terdapat klausul mengenai “Pengembangan sistem lembaga systems”.
keuangan dan pasar modal yang ramah lingkungan hidup”.
Dalam perkembangannya, kemudian terbit Peraturan OJK No. 51/ Environmental sustainability is further stipulated in OJK Regulation
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi No. 51/POJK.03/2017 concerning the Implementation of Sustainable
Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik (POJK Keuangan Finance in Financial Services Institutions, Issuers and Public Companies
Berkelanjutan). Dengan peraturan ini, perbankan sebagai lembaga jasa (POJK Sustainable Finance). With this regulation, banking as a financial
keuangan wajib menerapkan prinsip keuangan berkelanjutan atau services institution is obliged to apply the principles of sustainable
sustainable finance, yang didefinisikan sebagai dukungan menyeluruh finance, which are defined as comprehensive support from the financial
dari industri jasa keuangan untuk pertumbuhan berkelanjutan services industry for sustainable growth resulting from harmony of
yang dihasilkan dari keselarasan antara kepentingan ekonomi, economic, social and environmental interests. The implementation
sosial, dan lingkungan hidup. Penerapan keuangan berkelanjutan of sustainable finance is needed as an important capital to achieve
diperlukan sebagai modal penting untuk mewujudkan pembangunan sustainable development, in line with the commitment of the majority
berkelanjutan, sejalan dengan komitmen mayoritas negara-negara of countries in the world, including Indonesia, to limit the increase in
di dunia, termasuk Indonesia, untuk membatasi kenaikan tingkat global warming levels to 1.5 degrees Celsius.
pemanasan global hingga 1,5 derajat Celsius.
Komitmen Bank Aladin Syariah [3-3] Bank Aladin Syariah Commitment [3-3]
Bank Aladin Syariah berkomitmen untuk mendukung penerapan keuangan Bank Aladin Syariah is committed to supporting sustainable finance,
berkelanjutan, termasuk dalam bidang lingkungan, sesuai dengan statusnya including in the environmental sector, in accordance with its status as
sebagai penandatangan United Nations Principles for Responsible Banking a signatory to the United Nations Principles for Responsible Banking
(UNPRB) dan anggota UN Global Compact. Komitmen tersebut antara (UNPRB) and a member of the UN Global Compact. This commitment
lain diwujudkan melalui berbagai program dan inisiatif di bawah pilar is realized through programs and initiatives under the 4th pillar: Act
ke-4: Kesadaran Bertindak untuk Menjaga Kelestarian Bumi (Act with with Conscience for the Planet in the Bank Aladin Syariah Sustainability
Conscience for the Planet) dalam Kerangka Kerja Keberlanjutan Bank Framework. This pillar refers to the Bank’s commitment to protecting
Aladin Syariah. Pilar ini mengacu kepada komitmen Bank untuk menjaga and preserving the environment through Environmental Footprint,
dan melestarikan lingkungan melalui Jejak Lingkungan (Environmental Green Financing, and Energy Use Management.
Footprint), Pembiayaan Sektor-sektor Hijau (Green Financing) dan
Pengelolaan Penggunaan Energi (Energy Management).
Komitmen terhadap lingkungan juga diwujudkan Bank Aladin Syariah Bank Aladin Syariah also realizes its environmental commitment by
dengan menetapkan kebijakan dan prosedur yang selaras dengan establishing policies and procedures that are in line with the principles
prinsip keberlanjutan dalam bidang sosial dan lingkungan, antara lain of sustainability in the social and environmental fields, and has prepared
penetapan daftar yang berisikan sektor-sektor usaha/aktivitas-aktivitas a list containing business sectors/activities that are considered to create
yang dianggap berdampak negatif terhadap aspek sosial dan lingkungan a negative impact on social and environmental aspects that must not be
yang tidak boleh dibiayai oleh Bank (exclusion list), dan prosedur financed by the Bank (exclusion list), and risk management procedures
pengelolaan risiko kegiatan usaha berwawasan sosial dan lingkungan. for social and environmentally sound business activities.
Sejalan dengan itu, Bank melanjutkan, menetapkan dan As a result, the Bank continues to establish and develop policies and
mengembangkan berbagai kebijakan dan inisiatif dalam upaya initiatives for environmental conservation efforts, including:
pelestarian lingkungan, di antaranya:
1. Penetapan ambisi untuk mencapai Net Zero Emissions pada tahun 1. Setting an ambition to achieve Net Zero Emissions target by 2040.
2040.
2. Penetapan target pembiayaan ke sektor-sektor ramah lingkungan 2. Setting a minimum financing target for environmentally friendly
minimum sebesar 1% dari total pembiayaan produktif sejak tahun sectors of 1% of total productive financing starting in 2023, and
2023, dan meningkat menjadi 5% dari total pembiayaan produktif increasing to 5% of total productive financing in 2026.
pada tahun 2026.
3. Pemberlakuan exclusion list. 3. Establishing exclusion lists.
4. Pemberlakuan kewajiban pemenuhan persyaratan dokumen 4. Instigating the obligation to fulfill environmental document
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lingkungan dan kajian Analisis Mengenai Dampak Lingkungan requirements and Environmental Impact Analysis (AMDAL) and
(AMDAL) dan PROPER untuk perusahaan-perusahaan yang PROPER studies for companies that have a significant impact on
berdampak signifikan terhadap lingkungan. the environment.
5. Menginisiasi pembiayaan pada Kegiatan Usaha Berwawasan 5. Initiating financing for Environmentally Friendly Business Activities
Lingkungan (KUBL). (KUBL).
6. Pengintegrasian aspek lingkungan di dalam Kode Etik dan Pedoman 6. Integrating environmental aspects in the Bank’s Code of Ethics
Perilaku Bank. and Code of Conduct.
7. Penetapan target implementasi Energy Management System 7. Determining targets for implementing the Energy Management
pada tahun 2026. System by 2026.
8. Pengaturan penggunaan AC dan temperatur di lingkungan kerja 8. Regulating the use of air conditioning and temperature in the
untuk mengurangi konsumsi energi. work environment to reduce energy consumption.
9. Bekerja sama dengan United Nations Environment Programme 9. Collaborating with the United Nations Environment Program
Finance Initiative (UNEP FI) dalam menyempurnakan proses Finance Initiative (UNEP FI) in perfecting the implementation
implementasi Taksonomi Hijau Indonesia, serta menyusun process of the Indonesian Green Taxonomy, as well as preparing
Kerangka Kerja Pembiayaan Berkelanjutan (Sustainable Finance a Sustainable Finance Framework.
Framework).
10. Menunjuk PT Dekarbon Nusantara Unggul, perusahaan jasa 10. Appointing PT Dekarbon Nusantara Unggul, a consulting services
konsultasi di bidang karbon dan keberlanjutan, dalam melakukan company in the field of carbon and sustainability, to measure
pengukuran jejak karbon/emisi gas rumah kaca terhadap aktivitas the carbon footprint/greenhouse gas emissions of the Bank’s
operasional Bank, terutama emisi cakupan 1, cakupan 2 dan operational activities, especially emissions in scope 1, scope 2
sebagian emisi dalam cakupan 3 (khususnya terkait dengan and some emissions in scope 3 (especially related to employees’
mobilitas karyawan, konsumsi listrik oleh vendor data center mobility, electricity consumption by data center vendor, and
dan perjalanan dinas. official travel.
11. Melanjutkan kerja sama dengan Rekosistem dalam pemilahan 11. Continuing cooperation with Rekosistem in sorting and managing
dan pengelolaan limbah operasional. operational waste.
12. Melakukan kampanye dan sosialisasi dengan tema peduli 12. Carrying out campaigns and socialization with themes for caring for
lingkungan, seperti Tips Bijak Pakai Listrik, Bersepeda, Daur Ulang, the environment, such as tips for wisely using electricity, cycling,
Mengelola Sampah Dapur, Liburan Berkelanjutan, dan Penggunaan recycling, managing kitchen waste, sustainable holidays and using
Tote Bag, melalui media internal dan media-media sosial. tote bags, through internal media and social media.
13. Melanjutkan program-program CSR eksisting yang memiliki 13. Continuing existing CSR programs that have a positive impact on
dampak positif terhadap lingkungan: the environment:
a. Program Green Tourism bekerja sama dengan Yayasan Sinar a. The Green Tourism Program in collaboration with Yayasan
Utama Nusantara (SUN). Sinar Utama Nusantara (SUN).
b. Program Pengumpulan Limbah Botol Plastik bekerja sama b. Plastic Bottle Waste Collection Program in collaboration with
dengan Plastic Bank Indonesia. Plastic Bank Indonesia.
c. Program Penanaman dan Pemeliharaan Rumpun Bambu c. The Bamboo Planting and Maintenance Program in
bekerja sama dengan Yayasan Kehati, Forum Komunikasi collaboration with Yayasan Kehati, the Banking Compliance
Direktur Kepatuhan Perbankan (FKDKP) dan Pusat Pelaporan Directors Communication Forum (FKDKP) and the Financial
dan Analisis Transaksi Keuangan (PPATK). Transaction Reports and Analysis Center (PPATK).
Komitmen Bank Aladin Syariah terhadap lingkungan juga diwujudkan Bank Aladin Syariah’s commitment to the environment is also realized
melalui operasional kantor yang ramah lingkungan dengan through environmentally friendly office operations by following the
menerapkan prinsip 3R (Reduce, Reuse and Recycle). Prinsip tersebut 3R principle (Reduce, Reuse and Recycle). This principle is followed
diimplementasikan dalam pengelolaan kertas, energi, emisi, limbah for the management of paper, energy, emissions, waste and others.
dan sebagainya.
Pengelolaan Kertas sebagai Material Paper Management as Material in
dalam Kegiatan Operasi Bank [F.5] Bank Operational Activities [F.5]
Kertas merupakan salah satu kebutuhan penting dalam operasional Paper is an important requirement in Bank Aladin Syariah’s operations.
Bank Aladin Syariah. Sebagai bank digital dengan jumlah kantor As a digital bank with a very limited number of offices, the need for
yang sangat terbatas, kebutuhan kertas tentu tidak sebanyak bank paper is certainly not as much as conventional banks. Nonetheless, the
konvensional. Walau demikian, Bank telah berupaya secara maksimal Bank has made every effort to reduce the use of paper, the raw material
untuk mengurangi penggunaan kertas, yang bahan bakunya dari for which comes from special trees that are processed into pulp. Saving
pepohonan khusus yang diolah menjadi bubur kertas. Penghematan paper usage is achieved by archiving documents digitally. Through
penggunaan kertas dilakukan antara lain dengan melakukan these savings, Bank Aladin Syariah automatically helps preserve nature
pengarsipan dokumen secara digital. Melalui penghematan tersebut and reduce tree felling.
otomatis Bank Aladin Syariah telah membantu kelestarian alam serta
mengurangi penebangan pohon.
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Adapun kertas-kertas yang sudah tidak bisa dipakai (limbah), walau For paper that cannot be used (waste), even if the volume is small,
volumenya kecil, Bank menyerahkan kepada pihak ketiga untuk the Bank hands it over to a third party to be recycled or reused.
didaur ulang (recycle) atau digunakan kembali (reuse). Sebelum Before being handed over to a third party, waste paper in the form
diserahkan kepada pihak ketiga, limbah kertas berupa dokumen of important documents is first shredded. Even though paper is a raw
penting dihancurkan lebih dulu dengan mesin penghancur kertas. material/material that can be recycled, the Bank does not use recycled
Walaupun kertas termasuk bahan baku/material yang bisa didaur products in its daily operations.
ulang, namun Bank tidak menggunakan hasil daur ulang tersebut
dalam operasional sehari-hari.
Pada tahun 2023, Bank menggunakan kertas sebanyak 405 rim, In 2023, the Bank used 405 reams of paper, an increase compared
meningkat dibandingkan tahun 2022 sebanyak 391 rim. Kenaikan ini to 391 reams in 2022. This increase was mainly due to the Bank’s
tak lepas dari kegiatan operasional Bank yang semakin meningkat. increasing operational activities.
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
Volume Penggunaan Kertas Tak Terbarukan (rim) 405 391 N/a 14 3,58%
Volume of Non-Reused Paper (reams)
*) Tahun 2021 tidak dilakukan perhitungan.
*) In 2021 no calculations were carried out.
Pengelolaan Energi Energy Management
Operasional Bank Aladin Syariah memerlukan dua sumber energi Bank Aladin Syariah’s operations require two main energy sources,
utama, yaitu listrik dan bahan bakar minyak (BBM), yang dipasok oleh electricity and fuel (BBM), which are supplied by third parties. Besides
pihak ketiga. Selain untuk penerangan, listrik digunakan untuk sumber lighting, electricity is used as an energy source for electronic equipment
energi berbagai peralatan elektronik sarana dan sarana kantor, seperti and office facilities, such as computers, laptops, photocopiers, AC, and
komputer, laptop, mesin fotokopi, mesin AC, dan lain-lain. Adapun others. Meanwhile, fuel is used as an energy source for operational
BBM digunakan sebagai sumber energi kendaraan operasional. Oleh vehicles. Considering that electricity and fuel are derived from non-
karena listrik maupun BBM merupakan sumber energi tak terbarukan renewable energy sources and their availability is increasingly limited,
dan ketersediaannya semakin terbatas, maka Bank berkomitmen untuk the Bank is committed to taking various savings measures [3-3].
melakukan berbagai langkah penghematan [3-3].
Penghematan listrik antara lain dilakukan dengan mengoptimalkan Electricity savings include optimizing the use of energy-saving lamps
penggunaan lampu hemat energi (LED), mematikan lampu dan AC (LED), turning off lights and air conditioning when they are no longer in
ruangan saat tidak lagi digunakan. Adapun penghematan penggunaan use. One way to save fuel use is by limiting the number of operational
BBM di antaranya dilakukan dengan membatasi jumlah kendaraan vehicles [F.7; F.12] [302-4; 305-5].
operasional [F.7; F.12] [302-4; 305-5].
Selain wujud kepedulian terhadap kelestarian lingkungan, penghematan Apart from showing concern for environmental sustainability, the Bank’s
energi yang dilakukan Bank sejalan dengan Instruksi Presiden Republik energy savings are in line with the Republic of Indonesia Presidential
Indonesia No. 13 Tahun 2011 tentang Penghematan Energi dan Air, serta Instruction No. 13 of 2011 concerning Energy and Water Saving, and
Peraturan Menteri Energi dan Sumber Daya Mineral Republik Indonesia the Republic of Indonesia Minister of Energy and Mineral Resources
No. 13 Tahun 2012 tentang Penghematan Pemakaian Tenaga Listrik. Regulation No. 13 of 2012 concerning Saving Electricity Use. In 2023,
Konsumsi BBM di tahun 2023 tercatat sebanyak 24.774 liter atau setara the Bank’s activities consumed 24.774 liters of fuel or the equivalent of
dengan 829,85 Gigajoule (GJ). Angka ini lebih tinggi dibandingkan tahun 829.85 Gigajoules (GJ). The figures are higher than the 2022 figures due
2022 karena adanya penambahan aktivitas dari kendaraan operasional to the increase in activities by the operational vehicles in line with the
seiring dengan meningkatnya kegiatan usaha Bank, meskipun Bank increase in the Bank’s activities. Going forward, the Bank will continue
telah berupaya untuk menekan laju pertumbuhan konsumsi BBM. to manage the fuel consumption by converting to electric vehicles.
Untuk ke depan, Bank akan terus berupaya mengelola tingkat konsumsi increase compared to 2022 when it reached 10,489.50 liters or the
BBM melalui perluasan konversi kendaraan operasional ke kendaraan equivalent of 358.72 GJ. This increase was due to the fact that the
berbasis listrik. [F.6] [302-1]. recording in 2022 only covered 6 months, whereas in 2023 it covered
12 months [F.6] [302-1].
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Konsumsi BBM Tahun 2021-2023
Fuel Consumption in 2021-2023
Kenaikan (Penurunan) 2022-
2023
Increase (Decrease) 2022-2023
Penggunaan BBM
2023 2022* 2021 Persentase
Fuel Usage
Nominal (%)
Nominal Percentage
(%)
Solar**
Diesel
Volume Penggunaan (liter) 4.101 2.217 N/a 1.884 84,99
Total Usage (liter)
Perhitungan Joule (Gigajoule (GJ)) 147,64 79,81 N/a 67,83 84,99
Joule Calculation (Gigajoule (GJ))
Pertalite/Pertamax dan Sejenisnya
Pertalite/Pertamax and similar
Volume Penggunaan (liter) 20.673 8.828 N/a 11.845 134,18
Total Usage (liter)
Perhitungan Joule (Gigajoule (GJ)) 682,21 291,32 N/a 390,89 134,18
Joule Calculation (Gigajoule (GJ))
Jumlah Penggunaan BBM
Total Fuel Usage
Volume Penggunaan (liter) 24.774 11.045 912 13.729 124,30
Total Usage (liter)
Perhitungan Joule (Gigajoule (GJ)) 829,85 371,13 31,19** 458,72 123,60
Joule Calculation (Gigajoule (GJ))
*) disajikan kembali merujuk pada tambahan data – data penggunaan *) restated due to additional data on operational vehicle fuel usage
BBM kendaraan operasional yang tidak tercatat pada tahun 2022. not recorded in 2022.
**) belum dihitung sebagai campuran antara solar dengan bio energi **) not yet defined as a mix between diesel fuel and bio-energy (bio
(bio solar B35). solar B35).
***) Konversi Liter ke Gigajoule tahun 2021 menggunakan https:// ***) The 2021 Liter to Gigajoule conversion uses https://hextobinary.
hextobinary.com/unit/energy/from/gasoline/to/gigajoule, sedangkan com/unit/energy/from/gasoline/to/gigajoule, while the 2022 and
perhitungan konversi liter ke Gigajoule tahun 2022 dan 2023 2023 liter to Gigajoule conversion calculation uses the National
menggunakan Pedoman Penyelenggaraan Inventarisasi Gas Rumah Greenhouse Gas Inventory Implementation Guidelines - Ministry for
Kaca Nasional - Kementerian Lingkungan Hidup 2012 (ref: IPCC 2006) the Environment 2012 (ref: IPCC 2006)
Adapun penggunaan listrik selama tahun 2023 sebanyak 266.113 Meanwhile, electricity usage during 2023 was 266,113 kWh, or the
kWh atau setara dengan 958,01 GJ, sedikit bertambah dibandingkan equivalent of 958.01 GJ, a slight increase compared to 258,607 kWh
tahun 2022 yang mencapai 258.607 kWh atau 930,99 GJ. Kenaikan ini or the equivalent of 930.99 GJ in 2022. This increase was due to an
disebabkan karena meningkatnya aktivitas operasional Bank seiring increase in the Bank’s operational activities in line with the launch
dengan peluncuran berbagai produk baru di tahun 2023. Selain itu, of new products in 2023. Also, the increase was due to differences
penambahan juga disebabkan karena adanya perbedaan komponen in calculation components where the 2022 data included electricity
penghitungan dimana untuk data tahun 2022 mencakup listrik dan and AC in offices, while the 2023 data includes electricity and AC in
AC di kantor, sedangkan data tahun 2023 mencakup listrik dan AC di offices as well as the use of electric cars. In the future, the Bank will
kantor serta penggunaan mobil listrik. Untuk ke depan, Bank akan manage its electricity usage through initiatives and campaigns to save
berupaya mengelola penggunaan listrik melalui berbagai inisiatif dan electricity in the office environment, such as turning off the lights when
kampanye penghematan penggunaan listrik di lingkungan kantor, the room is not in use and removing sockets for electronic equipment
seperti mematikan lampu apabila ruangan tidak dipergunakan dan that are not in use, in addition to continuing the policy of limiting the
mencabut stop kontak untuk peralatan elektronik yang tidak digunakan, use of AC during working hours. [F.6] [302-1]
selain melanjutkan kebijakan pembatasan penggunaan AC pada jam
kerja. [F.6] [302-1]
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Konsumsi Listrik Tahun 2021-2023
Electricity Consumption in 2021-2023
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022* 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
PENGGUNAAN LISTRIK
Electricity Usage
Volume Penggunaan (kWh) 243.981,21 243.065,80 151.017,31 915,41 0,153% ↑
Usage Volume (kWh)
Perhitungan Joule (Gigajoule (GJ)) 878,33 875,04 543,66 3,29 0,152% ↑
Joule Calculation (Gigajoule (GJ))
*) Data tahun 2022 disajikan kembali merujuk data – data penggunaan *) Data for 2022 is presented again due to electricity usage data
listrik dari kegiatan operasional yang sebelumnya tidak dimasukkan from operational activities which was not previously included in the
dalam penghitungan. calculation.
Keterangan: Konversi kWh ke Gigajoule: https://www.convertunits. Description: kWh to Gigajoules Conversion: https://www.convertunits.
com/from/kWh/to/gigajoule com/from/kWh/to/gigajoules
Berkaitan dengan Intensitas Konsumsi Energi (IKE) khususnya listrik, For Energy Consumption Intensity (IKE), especially electricity, Bank
Bank Aladin Syariah belum melakukan audit energi pada kantor Aladin Syariah has not carried out an energy audit at the Head Office,
pusat. Untuk itu, Bank belum bisa menyampaikan IKE berdasarkan so the Bank cannot submit IKE based on energy audit. As an alternative,
audit energi. Sebagai alternatif, penghitungan IKE dilakukan dengan the IKE calculation is carried out using the following formula:
menggunakan rumus berikut:
Penggunaan listrik (KWh)
Intensitas Konsumsi Energi (IKE) Bangunan Electricity usage (KWh)
Building Energy Consumption Intensity (IKE)
=
Luas bangunan (m2)
Building area (m2)
Intensitas Konsumsi Energi (IKE) Bangunan Tahun 2021-2023 [F.6]
Building Energy Consumption Intensity (IKE) in 2021-2023 [F.6]
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022* 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
Penggunaan volume listrik (kWh) 266.113 258.607 151.017,31 7.506 2,90
Electricity Usage (kWh)
Luas bangunan (m2) 3.574 3.574 3.574 - -
Building area (m2)
Rasio Intensitas Konsumsi Energi (IKE) (kWh/m2/tahun) 74,46 72,36 42,25 2,10 2,90
Energy Consumption Intensity Ratio (IKE) (kWh/m2/year)
Berdasarkan rumus tersebut, intensitas pemakaian energi listrik perluas Based on this formula, the electrical energy usage intensity per square
ruangan pada tahun 2023 mencapai 74,46 kWh/m2 per tahun. Angka meter in 2023 reached 74.46 kWh/m2 per year. This figure meets the
ini memenuhi kategori “Sangat Efisien” menurut SNI 03-6196-2000 “Very Efficient” category according to SNI 03-6196-2000 concerning
tentang Intensitas Konsumsi Energi Gedung Indonesia. Energy Consumption Intensity ib Indonesian Buildings.
Berikut standar nasional untuk perhitungan IKE untuk dapat The following shows national standards for IKE calculations compared
membandingkan posisi IKE Bank. to the Bank’s IKE.
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Intensitas Konsumsi Energi (IKE) Standar Nasional Indonesia
Energy Consumption Intensity (IKE) Indonesian National Standards
Ber-AC Ber-AC
Kriteria Ber-AC Ber-AC
Criteria kWh/m2/bulan kWh/m2/tahun kWh/m2/bulan kWh/m2/tahun
kWh/m2/month kWh/m2/year kWh/m2/month kWh/m2/year
Sangat Efisien <8,5 <102 <3,4 <40,8
Very Efficient
Efisien 8,5-14 102-168 3,4-5,6 40,8-67,2
Efficient
Cukup Efisien 14-18,5 168-222 5,6-7,4 67,2-88,8
Quite Efficient
Boros >18,5 >222 >7,4 88,8
Wasteful
Rujukan: Peraturan Menteri Energi dan Sumber Daya Mineral Republik Reference: Republic of Indonesia Minister of Energy and Mineral
Indonesia No. 13 Tahun 2012 tentang Penghematan Pemakaian Tenaga Resources Regulation No. 13 of 2012 concerning Saving Electricity.
Listrik.
Bank juga berupaya memantau Intensitas Konsumsi Energi (IKE) dengan The Bank also seeks to monitor Energy Consumption Intensity (IKE)
rasio per karyawan dengan menggunakan rumus berikut: using a ratio per employee with the following formula:
Penggunaan energi Listrik dan BBM (GJ)
Intensitas Konsumsi Energi (IKE) per Karyawan Use of Electrical Energy and Fuel (GJ)
Energy Consumption Intensity (IKE) per Employee
=
Jumlah karyawan (orang)
Number of employees (people)
Konsumsi Energi dari Listrik dan BBM serta Perhitungan Intensitas Konsumsi Energi (IKE) per Karyawan Tahun 2021-
2023 [F.6]
Energy Consumption from Electricity and Fuel and Calculation of Energy Consumption Intensity (IKE) per Employee
for 2021-2023 [F.6]
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022* 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
Penggunaan energi dari BBM (GJ) 829,85 371,13 31,19* 458,72 123,60
Energy usage from fuel (GJ)
Penggunaan energi dari listrik (GJ) 958,01 930,99 543,66 27,02 2,90
Energy usage from electricity (GJ)
Jumlah penggunaan energi dari listrik dan BBM (GJ) 1.787,85 1.302,11 574,85* 485,74 37,30
Total energy usage from electricity and fuel (GJ)
Jumlah karyawan (orang) 291 265 199 26 9,81
Number of employees (people)
Perhitungan Joule (GJ/orang/tahun) 6,14 4,91 2,89 1,23 25,04
Joule calculation (GJ/ people /year)
*) Data tahun 2022 disajikan kembali merujuk pada penambahan *) Data for 2022 is restated due to additions in data from operational
terhadap sejumlah data penggunaan BBM kendaraan operasional vehicle fuel use and electricity use which were not previously included
dan penggunaan listrik yang sebelumnya tidak dimasukkan dalam in the calculation.
penghitungan.
Dari perhitungan IKE per karyawan, tingkat IKE per karyawan di tahun From the IKE calculation per employee, the IKE level per employee in
2023 mencapai 6,14 GJ/orang atau meningkat dibandingkan tahun 2023 was 6.14 GJ/person, an increase compared to 4.91 GJ/person
sebelumnya sebesar 4,91 GJ/orang. Kenaikan ini terutama disebabkan the previous year. This increase was mainly due to increased fuel
oleh peningkatan konsumsi BBM dan penggunaan listrik sejalan dengan consumption and electricity use in line with increased operational
peningkatan aktivitas operasional sebagai dampak dari peluncuran activities as a result of the launch of new products and services in
berbagai produk dan layanan baru di tahun 2023. [F.6] [3-3; 302-1; 2023. [F.6] [3-3; 302-1; 305-5].
305-5].
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Pengelolaan Emisi Emission Management
Bank Aladin Syariah melakukan pemantauan emisi dari waktu ke Bank Aladin Syariah carries out emissions monitoring from time to
waktu dalam upaya menjaga kualitas pelaporan publik dan penetapan time in an effort to maintain the quality of public reporting and to
target penurunan emisi gas rumah kaca (GRK). Pada tahun 2023, set targets for reducing greenhouse gas (GHG) emissions. In 2023,
total emisi yang dihasilkan menunjukkan peningkatan dibandingkan the total emissions produced showed an increase compared to the
tahun sebelumnya akibat kenaikan konsumsi BBM dan penggunaan previous year due to increases in fuel consumption and electricity
listrik, yang disertai dengan penambahan cakupan perhitungan emisi. use, coupled with an increase in the scope of emissions calculations.
Peningkatan cakupan perhitungan inventarisasi GHK pada tahun 2023 Increasing the coverage of GHK inventory calculations in 2023 is the
adalah langkah awal dalam penentuan emisi tahun dasar, serta sebagai first step in determining base year emissions, as well as a foundation
fondasi pelengkap data pada pengukuran emisi di tahun mendatang. for complementary data in emissions measurements in the coming
[3-3]. years.[3-3].
Per 31 Desember 2023, emisi cakupan 1, 2 dan cakupan 3 yang As of December 31, 2023, scope 1, 2 and scope 3 emissions produced
dihasilkan Bank dapat dilihat di bawah ini. by the Bank can be seen below.
Emisi Gas Rumah Kaca Cakupan 1,2 dan 3 Tahun 2021-2023 [F.11] [305-1; 305-2; 305-5]
Scope 1,2 and 3 Greenhouse Gas Emissions 2021-2023 [F.11] [305-1; 305-2; 305-5]
Kenaikan (Penurunan) 2022-
2023
Sumber Emisi dan Intensitasnya Increase (Decrease) 2022-2023
2023 2022* 2021
Emission Sources and Intensity Persentase
Nominal
Percentage
Nominal
(%)
Cakupan 1 (BBM) (tonCO2eq) 66,48 24,90*) 2,37 41,58 166,99
Scope 1 (Fuel) (tonCO2eq)
Cakupan 2 (listrik) (tonCO2eq) 231,52 225,00*) 107,61 6,52 2,90
Scope 2 (electricity) (tonCO2eq)
Cakupan 3 (tonCO2eq) 136,96****) 126,40***) 8,73**) 10,56 8,35
Scope 3 (tonCO2eq)
Jumlah emisi Gas Rumah Kaca (GRK) 434,96 376,30 118,71 58,66 15,59
Total Green House Gas (GHG) emissions
Jumlah karyawan (orang) 291 265 199 26 9,81
Number of employees (people)
Intensitas emisi GRK (TCO2eq per Karyawan) 1,49 1,42 0,60 0,07 4,93
GHG emission intensity (TCO2eq per Employee)
*) Dihitung kembali oleh pihak Independen dengan mengacu kepada *) Recalculated by an independent party with reference to the GHG
GHG Protocol. Protocol.
**) Mencakup server dan backup server yang dikelola pemasok. **) Includes supplier managed servers and backup servers.
***) Mencakup mobilitas karyawan dan perjalanan dinas. ***) Covers employee mobility and official travel.
****) Mencakup server dan backup server yang dikelola pemasok, ****) Covers servers and server backups managed by suppliers,
mobilitas karyawan dan perjalanan dinas. employee mobility and business travel.
Keterangan: Description:
1. Emisi cakupan 1 yang berasal dari konsumsi BBM dihitung dari 1. Scope 1 emissions originating from fuel consumption are calculated
data pemakaian bulanan untuk bahan bakar solar dan Pertamax from monthly usage data for diesel fuel and Pertamax (vehicles)
(kendaraan) yang dikonversi ke Gigajoules (GJ) dan dikalikan converted to Gigajoules (GJ) and multiplied by the Ministry of
dengan Faktor Emisi Kementerian ESDM. Energy and Mineral Resources’ Emission Factor.
2. Emisi cakupan 1 yang berasal dari fugitive (refrigeran) dihitung 2. Scope 1 emissions originating from fugitive (refrigerant) are
dari data Kapasitas untuk setiap peralatan dikalikan dengan tingkat calculated from Capacity data for each equipment multiplied by
kebocoran tahunan sesuai faktor emisi yang dikeluarkan oleh the annual leak rate according to the emission factors issued by
IPCC dan US EPA, dan dikonversi ke CO2e sesuai dengan GWP the IPCC and US EPA, and converted to CO2e according to the
refrigeran yang dipakai. GWP of the refrigerant used.
3. Emisi cakupan 2 yang berasal dari penggunaan listrik dihitung 3. Scope 2 emissions originating from electricity use are calculated
berdasarkan data pencatatan listrik bulanan dari PLN dikalikan based on monthly electricity recording data from PLN multiplied
dengan Faktor Emisi dari Kementerian ESDM untuk jaringan listrik by the Emission Factor from the Ministry of Energy and Mineral
JAMALI (Jawa-Madura-Bali). Resources for the JAMALI (Java-Madura-Bali) electricity network.
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4. Emisi cakupan 3 yang berasal dari penggunaan listrik oleh data 4. Scope 3 emissions originating from electricity use by the data
center dihitung berdasarkan data pencatatan listrik bulanan dari center are calculated based on monthly electricity recording data
vendor dikalikan dengan Faktor Emisi dari Kementerian ESDM from vendors multiplied by the Emission Factor from the Ministry
untuk jaringan listrik JAMALI (Jawa-Madura-Bali). of Energy and Mineral Resources for the JAMALI (Java-Madura-
Bali) electricity network.
5. Emisi cakupan 3 yang berasal dari mobilitas karyawan dihitung 5. Scope 3 emissions originating from employee mobility are
berdasarkan data jarak tempuh untuk setiap moda transportasi dari calculated based on distance data for each mode of transportation
setiap karyawan dijumlahkan dalam kilometer dan dikalikan dengan for each employee added up in kilometers and multiplied by the
Intensitas Emisi Moda Transportasi Penumpang berdasarkan faktor Emission Intensity of the Passenger Transportation Mode based
emisi yang dikeluarkan oleh IEA. on the emission factors issued by the IEA.
6. Emisi cakupan 3 yang berasal dari perjalanan dinas dihitung 6. Scope 3 emissions originating from official travel are calculated
berdasarkan faktor emisi yang dikeluarkan oleh ICAO (untuk based on emission factors issued by ICAO (for air travel) and the
perjalanan udara) dan Kementerian ESDM (untuk perjalanan Ministry of Energy and Mineral Resources (for land travel).
darat).
Adanya kenaikan intensitas GRK pada tahun 2023 disebabkan oleh The increase in GHG intensity in 2023 was caused by the following
faktor-faktor sebagai berikut: factors:
1. Peningkatan konsumsi BBM dan listrik seiring dengan peningkatan 1. Increased fuel and electricity consumption due to the increased
kegiatan operasional menyusul diluncurkannya berbagai produk operational activities following the launch of new products and
dan layanan baru. services.
2. Penambahan penghitungan emisi cakupan 3 yang berasal dari 2. Additonal calculation of scope 3 emissions originating from servers
server dan backup server yang dikelola pemasok. and backup servers managed by suppliers.
Pengelolaan Air [F.8] Water Management [F.8]
Bank Aladin Syariah menggunakan air untuk keperluan domestik Bank Aladin Syariah uses water for domestic office purposes, such as
perkantoran, seperti pembilasan di kamar kecil, wudu, mencuci flushing toilets, ablutions, washing kitchen utensils, and others. The
peralatan dapur, dan sebagainya. Air yang digunakan Bank dipasok water used by the Bank is supplied by a third party, the Head Office
oleh pihak ketiga, yaitu penyedia gedung Kantor Pusat. building provider.
Ketersediaan air bersih yang semakin terbatas, serta proyeksi krisis The increasingly limited availability of clean water, as well as the
air bersih, mendorong Bank untuk mengelola penggunaan air dengan projected clean water crisis, has encouraged the Bank to manage
sebaik-baiknya. Selain memberikan sosialisasi kepada karyawan tentang water use as much as possible. As well as socializing to employees
pentingnya upaya penghematan sumber daya termasuk air, efisiensi about the importance of saving resources including water, water use
penggunaan air dilakukan melalui inisiatif penyedia gedung dengan efficiencies are carried out through building provider initiatives by
menggunakan sensor otomatis untuk membatasi penggunaan air. using automatic sensors to limit water use. However, in this report,
Namun demikian, pada laporan ini, Bank tidak bisa menyampaikan the Bank cannot report on the volume of water usage as it is included
volume penggunaan air karena termasuk dalam komponen sewa in the building rental component for the Head Office.
gedung untuk Kantor Pusat.
Pengelolaan Sampah/Limbah Domestik Domestic Garbage/Waste Management
Sejalan dengan implementasi operasional kantor yang ramah As part of our environmentally-friendly office operations, Bank Aladin
lingkungan, Bank Aladin Syariah semaksimal mungkin menerapkan Syariah applies the 3R principles (Reduce, Reuse and Recycle) as much
prinsip 3R (Reduce, Reuse and Recycle). Untuk mengurangi limbah as possible. To reduce plastic waste from single-use packaging, for
plastik kemasan minuman sekali pakai misalnya, Bank mengampanyekan example, the Bank is campaigning for the use of tumbler water bottles
penggunaan botol air minum tumbler yang dibagikan kepada which are distributed to all employees as part of the starter kit. To
seluruh karyawan sebagai bagian dari starter kit. Untuk mendukung support optimal waste management, the Bank provides a sufficient
pengelolaan sampah yang optimal, Bank menyediakan tempat sampah number of waste bins. The Bank also sorts and manages operational
dalam jumlah cukup. Bank juga melakukan pemilahan dan pengelolaan waste into organic, inorganic and residual waste by collaborating with
limbah operasional yang meliputi sampah organik, anorganik, dan Rekosistem. The results of waste management carried out by the Bank
sampah residu dengan menggandeng Rekosistem. Hasil pengelolaan vendor can be seen in the table below.
limbah yang dilakukan oleh vendor Bank tersebut dapat dilihat pada
tabel di bawah ini.
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Timbulan Limbah Tahun 2021-2023 [F.13, F.14]
Waste Generation in 2021-2023 [F.13, F.14]
Kenaikan (Penurunan) 2022-
2023
Increase (Decrease) 2022-2023
Pemilahan dan Pengelolaan Limbah Operasional
2023 2022* 2021
Operational Waste Sorting and Management Persentase
Nominal
Percentage
Nominal
(%)
Total sampah organik (kg) 0,0 62,40 51 62,40 100%
Total organic waste (kg)
Total sampah anorganik (kg) 1.848,64 1.038,91 259,75 809,73 78%
Total inorganic waste (kg)
Total sampah residu (kg) 1.510,55 3.170,95 792,8 1.660,4 52%
Total residual waste (kg)
Recycled waste (kg) 1.848,64 1.038,91 259,75 809,73 78%
Waste managed through black soldier fly production system (kg) 0,0 62,40 51 62,40 100%
Jumlah CO2 yang terselamatkan dari landfill dan pembakaran 1.294,05 727,24 278,73 566,81 78%
sebagai dampak dari pemilahan & pengelolaan limbah
operasional (kg CO2)
Total CO2 saved from landfills and incineration as a result of
operational waste sorting & management (kg CO2)
Untuk menekan volume limbah operasional yang dibuang ke TPA, To reduce the volume of waste from operations disposed of in
Bank secara aktif melakukan sosialisasi dan kampanye kepada seluruh landfills, the Bank actively carries out socialization and campaigns
karyawan melalui webinar dan media internal lainnya. Program to all employees through webinars and other internal media. The
sosialisasi dan kampanye yang dilakukan sepanjang tahun 2023 berhasil socialization and campaign programs carried out throughout 2023 had
memberikan dampak yang positif, seperti terlihat pada penurunan a positive impact, as seen in the reduction in the volume of residual
volume sampah residu dan kenaikan jumlah CO2 yang terselamatkan waste and the increase in the amount of CO2 saved from landfills
dari landfill dan pembakaran sebagai dampak dari pengelolaan dan and incineration as a result of operational waste management and
pengelolaan limbah operasional.
Biaya Lingkungan [F.4] Environmental Costs [F.4]
Untuk mendukung komitmen dalam program pelestarian lingkungan, To support its commitment to environmental preservation programs,
setiap tahun, Bank Aladin Syariah mengalokasikan dana lingkungan. every year, Bank Aladin Syariah allocates environmental funds. In 2023,
Pada tahun 2023, biaya lingkungan yang dikeluarkan tercatat sebesar the environmental costs incurred were Rp212.1 million or, 42% of the
Rp 212,1 juta atau 42,4% dari target penyaluran dana CSR (kombinasi 2023 CSR (combination of social and environmental responsibility)
tanggung jawab sosial dan lingkungan) tahun 2023 sebesar Rp 500 juta. distribution target of Rp500 million. This number was a decrease
Jumlah itu mengalami penurunan dibandingkan tahun 2022 dengan compared to 2022 where environmental costs were Rp440.47 million,
biaya lingkungan sebesar Rp 440,47 juta atau 44,05% dari rencana or 44.05% of the planned CSR budget of Rp1 billion.
anggaran CSR sebesar Rp1 miliar.
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Alokasi Biaya Pengelolaan Lingkungan Hidup Tahun 2023
Allocation of Environmental Management Costs in 2023
Perihal Jumlah (Rp-juta)
Subject Total (Rp-million)
Pembayaran kontrak pengelolaan sampah operasional kepada pihak ketiga 24,4
Payment for operational waste management contracts to third parties
Partisipasi tahunan Bank dalam Program Penanaman Rumpun Bambu di Magelang, Jawa Tengah bekerja sama dengan FKDKP, Yayasan 14,5
Kehati dan PPATK
The Bank's annual participation in the Bamboo Planting Program in Magelang, Central Java in collaboration with FKDKP, Yayasan Kehati and
PPATK
Sewa kendaraan motor operasional berbasis baterai 173,2
Battery-based operational motorbike rentals
Jumlah 212,1
Total
Perbandingan Biaya Pengelolaan Lingkungan Hidup Tahun 2021-2023
Comparison of Environmental Management Costs for 2021-2023
2023 2022 2021 Kenaikan
(Penurunan)
Realisasi Realisasi Realisasi 2022-2023
Perihal Target Target Target
(Rp-juta) (Rp-juta) (Rp-juta) Increase
Subject (Rp-juta) % (Rp-juta) % (Rp-juta) %
Realization Realization Realization (Decrease)
Target % Target % Target %
(Rp- (Rp- (Rp- 2022-2023
(Rp-million) (Rp-million) (Rp-million)
million) million) million) (%)
Biaya Lingkungan Hidup 500 212,1 42,42 1.000 440,47 44,05 100 69 68,75 (51,80)
Environmental Costs
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Pengelolaan Aspek Sosial
Management of Social Aspect
Bank Aladin Syariah mengelola aspek sosial melalui berbagai Bank Aladin Syariah manages social aspects through various programs
program dan inisiatif di bawah pilar ke-1: Layanan Perbankan Secara and initiatives under the 1st pillar: Banking Responsibly, the 2nd pillar:
Bertanggung Jawab (Banking Responsibly), pilar ke-2: Tumbuh Bersama Grow with Our People, and the 3rd Pillar: Leave No One Behind in the
Karyawan (Grow with Our People), dan Pilar ke-3: Tidak Meninggalkan Sustainability Framework of Bank Aladin Syariah. These pillars refer to
Siapapun (Leave No One Behind) dalam Kerangka Kerja Keberlanjutan the Bank’s commitment to provide benefits to customers, employees
Bank Aladin Syariah. Pilar-pilar ini mengacu kepada komitmen and the general public through data security and privacy, customer
Bank untuk memberikan manfaat kepada nasabah, karyawan dan relationship management, employee rights and equal opportunities,
masyarakat umum melalui perlindungan privasi dan data nasabah talent management and retention, community development and
(data security and privacy), pengelolaan hubungan nasabah (customer inclusive growth, and human rights.
relationship management), hak karyawan dan kesempatan yang sama
(employee rights and equal opportunities), pengelolaan bakat dan
retensi karyawan (talent management and retention), pengembangan
komunitas dan pertumbuhan inklusif (community development &
inclusive growth) dan hak-hak asasi manusia (human rights).
Kebijakan, prosedur internal serta implementasi Bank terkait dengan The Bank’s policies, internal procedures and OHS implementation,
K3, tanggung jawab produk dan layanan keuangan, serta aspek sosial responsibility for financial products and services, as well as other
lainnya adalah sebagai berikut [3-3]: social aspects are as follows [3-3]:
1. Kebijakan Perlindungan Konsumen PT Bank Aladin Syariah Tbk No. 1. PT Bank Aladin Syariah Tbk Consumer Protection Policy No. KB-
KB-O/015/PRESDIR yang diterbitkan pada tanggal 29 Januari 2024, O/015/PRESDIR, issued on January 29, 2024, which regulates the
yang salah satunya mengatur prinsip dan perilaku Bank terhadap Bank’s principles and behavior regarding consumer protection,
perlindungan konsumen, termasuk penanganan pengaduan dan including handling complaints and resolving disputes.
penyelesaian sengketa.
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Kinerja Keberlanjutan
Sustainability Performance 125
2. Penerbitan Standar Prosedur Pengelolaan Komunikasi Pemasaran 2. Issuance of PT Bank Aladin Syariah Tbk Standard Procedures
PT Bank Aladin Syariah Tbk No. SP-B/074/DIR-COMM yang for Marketing Communications Management No. SP-B/074/
diterbitkan pada tanggal 17 Januari 2023, yang salah satunya DIR-COMM, issued on January 17, 2023, which regulates the
mengatur tata cara penyampaian materi komunikasi, termasuk procedures for delivering communication material, including
komunikasi produk dan layanan, agar tidak berpotensi menyesatkan product and service communication, so that it does not have the
para pemangku kepentingan. potential to mislead stakeholders.
3. Penyempurnaan Standar Prosedur Literasi Keuangan dan Inklusi 3. PT Bank Aladin Syariah Tbk Standard Procedures for Financial
Keuangan PT Bank Aladin Syariah Tbk No. SP-O/100/PRESDIR yang Literacy and Financial Inclusion Improvement No. SP-O/100/
diterbitkan pada tanggal 4 Juli 2023. PRESDIR, issued on July 4, 2023.
4. Pembentukan dan pelaksanaan pertemuan Working Group Fungsi 4. Establishment and implementation of Consumer Protection
Perlindungan Konsumen untuk setiap kuartal guna memantau Function Working Group meetings every quarter to monitor the
pencapaian program-program perlindungan konsumen yang telah achievement of the implemented consumer protection programs.
dijalankan..
5. Standar Prosedur Business Continuity Plan PT Bank Aladin Syariah 5. PT Bank Aladin Syariah Tbk Business Continuity Plan Standard
Tbk No. SP-P/017/2021/DIR-CDR yang diterbitkan pada tanggal Procedure No. SP-P/017/2021/DIR-CDR, issued on October 14,
14 Oktober 2021 sebagai pedoman dalam menghadapi berbagai 2021 as a guideline for dealing with disturbances/threats such
gangguan/ancaman seperti kebakaran, ancaman bom, biohazard, as fires, bomb threats, biohazards, robbery, etc.
perampokan, dan lain-lain.
6. Optimalisasi fungsi Emergency Response Team yang dibentuk 6. Optimizing the function of the Emergency Response Team that
sejak tahun 2022. was established in 2022.
7. Pelaksanaan Fire Drill bersama dengan Manajemen Gedung pada 7. Organizing a Fire Drill with the Building Management on September
tanggal 27 September 2023. 27, 2023.
8. Penyempurnaan Kode Etik dan Pedoman Perilaku untuk 8. Refining the Code of Ethics and Code of Conduct to create a
menciptakan lingkungan dan budaya kerja yang sehat, profesional healthy, professional and integrity work environment and culture,
dan berintegritas, selain mempertegas komitmen Bank dalam in addition to reinforcing the Bank’s commitment to maintaining
menjaga keamanan dan privasi data nasabah. the security and privacy of customer data.
Ketenagakerjaan serta Kesehatan Employment and Occupational
dan Keselamatan Kerja (K3) Health and Safety (OHS)
Pengelolaan Kepegawaian Personnel Management
Karyawan merupakan salah satu aset penting bagi Bank Aladin Syariah Employees are important assets for Bank Aladin Syariah to realize its
untuk mewujudkan keberlanjutan dan kesinambungan usaha. Sebagai business continuity and sustainability. As an asset and investment for
aset sekaligus investasi untuk masa depan, keberadaan karyawan the future, employees have the function of increasing productivity,
memiliki fungsi untuk meningkatkan produktivitas, menghasilkan producing professional services and producing the best solutions based
layanan profesional dan menghasilkan solusi terbaik berdasarkan on the knowledge, abilities and skills they possess.
pengetahuan, kemampuan dan keterampilan yang dimilikinya.
Dalam mengelola kepegawaian, Bank Aladin Syariah menetapkan For managing its employees, Bank Aladin Syariah established the
kebijakan, prosedur internal serta implementasi sebagai berikut [3-3]: following policies, internal procedures and implementation [3-3):
1. Kebijakan Sumber Daya Manusia PT Bank Aladin Syariah Tbk No. KB- 1. PT Bank Aladin Syariah Tbk Human Capital Policy No. KB-
O/015/2023/PRESDIR yang diterbitkan pada November 2023, yang O/015/2023/PRESDIR, issued in November 2023, which
mengatur prinsip umum pemenuhan SDM, pengelolaan organisasi, regulates the general principles for HC fulfillment, organizational
remunerasi, kinerja, manajemen talenta dan kaderisasi, pelatihan management, remuneration, performance, talent management
dan pengembangan SDM, hubungan kepegawaian, personalia dan and cadre formation, HC training and development, employee
layanan kepegawaian, serta manajemen information system SDM. relations, personnel and staffing services, as well as an HC
information management system.
2. Peraturan Perusahaan PT Bank Aladin Syariah Tbk 2021-2023. 2. PT Bank Aladin Syariah Tbk Company Regulations 2021-2023.
3. Penetapan Kode Etik dan Pedoman Perilaku untuk menciptakan 3. Establishment of a Code of Ethics and Code of Conduct to create
lingkungan dan budaya kerja yang sehat, profesional dan a healthy, professional and integrity-based working environment
berintegritas. and culture.
4. Standar Prosedur Manajemen Kinerja No. SP-O/039/2021/PRESDIR 4. Performance Management Procedure Standards No. SP-
yang diterbitkan pada tanggal 30 Desember 2021. O/039/2021/PRESDIR, issued on December 30, 2021.
5. Standar Prosedur Tunjangan Hari Raya No. SP-O/035/2021/ 5. Standard Procedure for Holiday Allowances No. SP-O/035/2021/
PRESDIR yang diterbitkan pada tanggal 3 Januari 2022. PRESDIR, issued on January 3, 2022.
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6. Standar Prosedur Lembur Karyawan No. SP-O/043/PRESDIR yang 6. Standard Procedure for Employee Overtime No. SP-O/043/
diterbitkan pada tanggal 1 Februari 2022. PRESDIR, issued on February 1, 2022.
7. Standar Prosedur Cuti Karyawan No. SP-O/045/PRESDIR yang 7. Standard Procedure for Employee Leave No. SP-O/045/PRESDIR,
diterbitkan pada tanggal 6 April 2023. issued on April 6, 2023.
8. Standar Prosedur Bonus Kinerja Tahunan No. SP-O/048/PRESDIR 8. Standard Procedure for Annual Performance Bonus No. SP-O/048/
yang diterbitkan pada tanggal 9 Februari 2022. PRESDIR, issued on February 9, 2022.
9. Standar Prosedur Flexible Working Arrangement No. SP-O/051/ 9. Standard Procedure for Flexible Working Arrangement No. SP-
PRESDIR yang diterbitkan pada tanggal 1 Maret 2022. O/051/PRESDIR, issued on March 1, 2022.
10. Standar Prosedur Peninjauan dan Penyesuaian Gaji Tahunan No. 10. Standard Procedure for Reviewing and Adjusting Annual Salaries
SP-O/054/PRESDIR yang diterbitkan pada tanggal 20 April 2022. No. SP-O/054/PRESDIR, issued on April 20, 2022.
11. Standar Prosedur Manajemen Rekrutmen No. SP-O/015/PRESDIR- 11. Standard Procedure for Recruitment Management No. SP-O/015/
HCA yang diterbitkan pada tanggal 30 Januari 2023. PRESDIR-HCA, issued on January 30, 2023.
12. Standar Prosedur Internship No. SP-O/056/PRESDIR-HCA yang 12. Standard Procedure for Internship No. SP-O/056/PRESDIR-HCA,
diterbitkan pada tanggal 28 April 2022. issued on April 28, 2022.
13. Standar Prosedur Employee Referral Program No. SP-O/033/ 13. Standard Procedure for Employee Referral Program No. SP-O/033/
PRESDIR yang diterbitkan pada tanggal 30 Agustus 2023. PRESDIR, issued on August 30, 2023.
14. Standar Prosedur Insentif No. SP-O/099/DIR-HCA yang diterbitkan 14. Standard Procedure for Incentives No. SP-O/099/DIR-HCA, issued
pada Agustus 2023. in August 2023.
15. Standar Prosedur Promosi, Mutasi, dan Penyesuaian Gaji No. SP- 15. Standard Procedure for Promotion, Transfer and Salary Adjustment
O/093/DIR-HC yang diterbitkan pada Januari 2023. No. SP-O/093/DIR-HC, issued in January 2023.
16. Standar Prosedur Alih Daya No. SP-O/113/DIR-HCA yang diterbitkan 16. Standard Procedure for Outsourcing No. SP-O/113/DIR-HCA,
pada tanggal 1 September 2023. issued on September 1, 2023.
17. Standar Prosedur Pengembangan dan Pelatihan Karyawan No. 17. Standard Procedure for Employee Development and Training No.
SP-O/090/DIR-HCA yang diterbitkan pada tanggal 24 Maret 2023. SP-O/090/DIR-HCA, issued on March 24, 2023.
Selain berbagai kebijakan dan prosedur internal di atas, aspek In addition to the internal policies and procedures above, the staffing
kepegawaian merupakan salah satu pilar terpenting dalam kerangka aspect is one of the most important pillars in the Bank’s sustainability
kerja strategi keberlanjutan Bank yaitu Grow with Our People. Di strategy framework, Grow with Our People. Within this pillar, the Bank
dalam pilar ini, Bank berkomitmen untuk mendukung pengembangan is committed to supporting employee development and employee
karyawan dan kesejahteraan karyawan dengan memberikan hak dan welfare by providing equal rights and opportunities for all employees,
kesempatan yang sama bagi seluruh karyawan, serta melaksanakan as well as talent management, and employee retention programs.
berbagai program pengelolaan bakat dan retensi karyawan. Pada In 2023, the programs implemented to manage talent and increase
tahun 2023, program-program yang dilaksanakan untuk mengelola employee retention rate included:
bakat dan meningkatkan tingkat retensi karyawan diantaranya adalah:
1. Motivation Factors : 1. Motivation Factors:
a. Training Hard Skill dan Soft Skill. a. Hard Skill and Soft Skill Training.
b. Personal Development - Karyawan bisa mengikuti training/ b. Personal Development - Employees can take part in non-job
aktivitas non-job related yang sesuai dengan minat karyawan. related training/activities that suit the employee’s interests.
c. Program Beasiswa Karyawan untuk karyawan yang sedang c. Employee Scholarship Program for employees who are taking
mengambil jenjang pendidikan S1 / S2. Bachelor’s / Master’s degrees.
d. Program Beasiswa untuk anak karyawan. d. Scholarship Program for employees’ children.
e. Promosi untuk karyawan berprestasi. e. Promotions for outstanding employees.
2. Hygiene Factors: 2. Hygiene Factors:
a. Program Employee Engagement seperti TGIA (program a. Employee Engagement programs such as TGIA (onboarding
onboarding bagi karyawan baru),Buka Puasa Bersama, Aladin program for new employees), Breaking the Fast Together,
Goes to Jogja, Team Bonding dalam masing-masing unit kerja Aladin Goes to Jogja, Team Bonding in each work unit.
b. Program Pembiayaan Multiguna khusus untuk karyawan b. Multipurpose Financing Program specifically for employees
dengan fitur yang menarik. with interesting features.
c. Implementasi flexible working arrangement dengan tujuan c. Implementing flexible working arrangements with the aim of
untuk meningkatkan work-life balance. improving work-life balance.
d. Program Pensiun tambahan melalui DPLK Manulife Indonesia. d. Additional Pension Program through DPLK Manulife Indonesia.
Untuk ke depan, Bank akan terus mengimplementasikan program- In the future, the Bank will continue to implement the above programs
program di atas guna mengurangi tingkat turnover karyawan. to reduce employee turnover rate.
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Sustainability Performance 127
Selanjutnya, Bank juga telah menerapkan penilaian kinerja Furthermore, the Bank has also implemented performance assessment
menggunakan OKR. Penilaian kinerja ini meliputi: using OKR. This performance assessment includes:
3. Performance Planning pada awal tahun 1. Performance Planning at the beginning of the year
4. Mid Year Review pada pertengahan tahun 2. Mid Year Review in the middle of the year
5. End Year Review pada akhir tahun 3. End Year Review at the end of the year
Melalui penilaian kinerja berdasarkan OKR diharapkan performa Through performance assessment based on OKR, it is hoped that
karyawan dapat sesuai dengan target perusahaan dan management. employee performance will be in line with Company and management
Penilaian kinerja karyawan ini pun digunakan sebagai acuan dalam targets. This employee performance assessment will also be used as a
memberikan kenaikan gaji tahunan, bonus kinerja maupun promosi. reference in providing annual salary increases, performance bonuses
and promotions.
Dari sisi kesejahteraan karyawan, Bank memberikan berbagai benefit In terms of employee welfare, the Bank provides a number of benefits
guna menjaga dan meningkatkan kesejahteraan karyawan. Salah satu to maintain and improve employee welfare. One of the benefits
benefit yang diluncurkan pada tahun 2023 adalah program pensiun launched in 2023 was a pension program for employee retirement
bagi kesejahteraan hari tua karyawan melalui DPLK Manulife Indonesia, welfare through DPLK Manulife Indonesia, where the Bank provides
dimana Bank memberikan saldo awal kepada setiap karyawan yang an initial amount for each employee registered in this program, and is
terdaftar dalam program ini dan wajib membayarkan iuran sebesar 1% required to contribute 1% of a month’s basic salary before tax, while
dari gaji pokok sebulan sebelum pajak, sementara karyawan diwajibkan employees are required to contribute 1%. The Bank will also increase
untuk membayar iuran sebesar 1%. Bank juga akan menambah iuran its contribution by a maximum of 1% (matching) if the employees add
sebesar maksimum 1% (matching) apabila karyawan menambahkan voluntary contributions to their DPLK program. The bank also includes
iuran sukarela dalam program DPLK-nya. Bank juga menyertakan all employees in the BPJS Employment Retirement Guarantee (JHT) and
seluruh karyawan dalam program BPJS Ketenagakerjaan Jaminan Pension Guarantee (JP) programs through a monthly payment scheme.
Hari Tua (JHT) dan Jaminan Pensiun (JP) dengan skema pembayaran Furthermore, the Bank provides health benefits for employees and
bulanan. Selanjutnya, Bank menyediakan manfaat kesehatan untuk their immediate family members in the form of inpatient, outpatient,
karyawan beserta anggota keluarga inti berupa rawat inap, rawat glasses, dental care and periodic medical examinations. During 2023,
jalan, kacamata, perawatan gigi, dan pemeriksaan medis berkala. the Bank socialized the welfare improvement programs, and provided
Sepanjang 2023, Bank menyelenggarakan sosialisasi terkait program- education about financial management for employees.
program peningkatan kesejahteraan dan edukasi tentang pengelolaan
keuangan untuk para karyawan.
Selanjutnya Bank memfasilitasi dan melaksanakan berbagai program Furthermore, the Bank facilitates and implements other programs to
lain untuk menunjang kesejahteraan dan mendukung work-life balance, support welfare and support work-life balance, including:
di antaranya:
1. Menerapkan flexible working arrangement bagi seluruh karyawan 1. Flexible working arrangements for all employees who perform
yang melakukan fungsi-fungsi non kritikal. non-critical functions.
2. Menyediakan ruang laktasi untuk memberikan kenyamanan bagi 2. Lactation rooms to provide comfort for female employees who
karyawan perempuan yang sedang menyusui. are breastfeeding.
3. Memfasilitasi berbagai kegiatan olahraga, seperti futsal, basket, 3. Facilitating sports activities, such as futsal, basketball, badminton,
badminton, lari, dan Pound Fit untuk meningkatkan kesehatan running and Pound Fit to improve the health and physical condition
dan kondisi fisik para karyawan. of employees.
Sesuai Undang-undang Nomor 21 Tahun 2000 tentang Serikat Pekerja/ Based on Law No. 21 of 2000 concerning Trade Unions, the principles
Serikat Buruh, prinsip-prinsip International Labor Organization (ILO) of the International Labor Organization (ILO) and Company Regulations,
dan Peraturan Perusahaan, Bank memberikan kebebasan kepada the Bank provides freedom to all employees to form and become
seluruh karyawan untuk membentuk dan menjadi anggota serikat members of trade unions. However, as of the end of 2023, the Bank
pekerja/serikat buruh. Meskipun demikian, sampai dengan akhir has not yet signed a Collective Labor Agreement (CLA) as no workers/
tahun 2023 Bank belum menandatangani Perjanjian Kerja Bersama labor unions have been formed by the Bank employees. [2-30]
(PKB) karena belum ada serikat pekerja/serikat buruh yang dibentuk
oleh karyawan Bank. [2-30]
Bank secara rutin mengkomunikasikan perkembangan terkait dengan The Bank routinely communicates developments related to personnel
isu-isu kepegawaian kepada para pemangku kepentingan melalui issues to stakeholders through the Bank’s official website, especially in
situs resmi Bank, terutama di dalam laporan publikasi tahunan: the annual published reports: Annual Report and Sustainability Report,
Annual Report dan Sustainability Report, maupun laporan publikasi as well as published reports submitted by the Bank to UNEP FI (PRB
yang disampaikan Bank kepada UNEP FI (PRB Reporting <https:// Reporting < https:// aladinbank.id/uploads/2023/05/PRB-Reporting-
aladinbank.id/uploads/2023/05/PRB-Reporting-and-Self-Assessment_ and-Self-Assessment_PT-Bank-Aladin-Syariah-Tbk_Dec2022_v.02.docx.
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PT-Bank-Aladin-Syariah-Tbk_Dec2022_v.02. docx.pdf>) dan UN Global pdf>) and UN Global Compact (Communications on Progress <https:
Compact (Communications on Progress <https://unglobalcompact. //unglobalcompact.org/participation/report/ cop/active/477300>).
org/participation/report/ cop/active/477300>).
Bank juga secara rutin melakukan pelaporan kepada regulator terkait The Bank also routinely reports to regulators on employment issues
dengan isu-isu kepegawaian melalui berbagai dokumen sesuai dengan through various documents in accordance with existing regulations.
peraturan yang ada.
Kesetaraan Kesempatan Kerja [F.18] Equal Employment Opportunities [F.18]
Selaras dengan pelayanan yang setara kepada nasabah, Bank Aladin In line with equal service to customers, Bank Aladin Syariah also applies
Syariah juga memberlakukan prinsip yang sama kepada karyawan, the same principles to employees, starting from recruitment. For
bahkan sudah dimulai sejak rekrutmen. Untuk itu, Bank senantiasa this reason, the Bank always provides equal and widest employment
memberikan hak dan kesempatan kerja yang sama dan seluas-luasnya rights and opportunities to all employees regardless of differences
kepada seluruh karyawan tanpa memandang perbedaan agama, in religion, ethnicity, race, social status, skin color, gender or other
etnis, ras, status sosial, warna kulit, gender, ataupun kondisi fisik physical conditions, in accordance with the applicable labor laws
lainnya, sesuai dengan ketentuan dan peraturan perundang-undangan provisions and regulations.
ketenagakerjaan yang berlaku.
Penghargaan terhadap kesetaraan kesempatan bekerja selaras dengan Respect for equal opportunities to work is in line with the spirit of Article
spirit Pasal 281 ayat (2), Undang-Undang Dasar Negara Republik 281 paragraph (2), 1945 Constitution of the Republic of Indonesia,
Indonesia Tahun 1945, yaitu: “Setiap orang berhak bebas dari perlakuan namely: “Everyone has the right to be free from discriminatory
yang bersifat diskriminatif atas dasar apapun dan berhak mendapatkan treatment on any basis and has the right to receive protection against
perlindungan terhadap perlakukan yang bersifat diskriminatif itu.” Selain such discriminatory treatment.” In addition, it is also in accordance with
itu, juga sesuai dengan Undang-Undang Republik Indonesia Nomor the Republic of Indonesia Law No. 7 of 1984 concerning Ratification of
7 Tahun 1984 tentang Pengesahan Konvensi Mengenai Penghapusan the Convention Regarding the Elimination of All Forms of Discrimination
Segala Bentuk Diskriminasi terhadap Wanita (Convention On The Against Women (Convention On The Elimination Of All Forms Of
Elimination Of All Forms Of Discrimination Against Women), Undang- Discrimination Against Women), Law No. 21 of 1999 concerning
Undang Nomor 21 Tahun 1999 tentang Pengesahan ILO Convention Ratification of the ILO Convention No. 111 Concerning Discrimination
No. 111 Concerning Discrimination in Respect of Employment and in Respect of Employment and Occupation (ILO Convention Regarding
Occupation (Konvensi ILO Mengenai Diskriminasi dalam Pekerjaan dan Discrimination in Employment and Occupation), as well as Guidelines
Jabatan), serta Panduan Kesetaraan dan Non Diskriminasi di Tempat on Equality and Non-Discrimination in the Workplace in Indonesia
Kerja di Indonesia (Kementerian Tenaga Kerja dan Transmigrasi RI). (Republic of Indonesia Ministry of Manpower and Transmigration).
Dilihat dari aspek kesetaraan gender, komposisi karyawan laki- laki Viewed from the aspect of gender equality, the male and female
dan perempuan berdasarkan posisi dan tanggung jawab dapat dilihat employee composition based on position and responsibility can be
pada tabel berikut. seen in the following table.
Indikator Persentase (%)
Indicator Percentage (%)
Komposisi karyawan perempuan terhadap total karyawan 36,1%
Composition of female employees to total employees
Komposisi karyawan perempuan pada posisi manajerial terhadap total karyawan yang berada pada posisi manajerial 40,0%
Composition of female employees in managerial positions to total employees in managerial positions
Komposisi karyawan perempuan yang menduduki posisi manajer junior terhadap total karyawan yang menduduki posisi manajer 28,0%
junior
Composition of female employees holding junior manager positions to the total employees holding junior manager positions
Komposisi karyawan perempuan yang menduduki posisi manajer (maksimum dua level di bawah level direksi) terhadap total 37,8%
karyawan yang menduduki posisi manajer
Composition of female employees holding managerial positions (maximum two levels below the directors level) to the total
employees holding managerial positions
Komposisi karyawan perempuan yang menduduki posisi manajer pada unit kerja bisnis (unit kerja yang menghasilkan pendapatan 42,9%
untuk Bank)
Composition of female employees holding managerial positions in business work units (revenue-generating work units for Bank)
Komposisi karyawan perempuan yang menduduki posisi manajer pada unit kerja STEM (Science, Technology, Engineering, and 10,5%
Mathematics)
Composition of female employees holding managerial positions in STEM (Science, Technology, Engineering, and Mathematics)
work units
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Sustainability Performance 129
Berdasarkan remunerasi, kesenjangan upah gender Bank Aladin Syariah Based on remuneration, Bank Aladin Syariah’s gender pay gap can be
dapat dilihat pada tabel berikut. seen in the following table:
Perbedaan antara karyawan laki-laki
Indikator dan perempuan (%)
Indicator Differences between male and female
employees (%)
Rata-rata kesenjangan upah gender (Mean gender pay gap) 8,24%
Mean gender pay gap
Nilai tengah kesenjangan upah gender (Median gender pay gap) 13,15%
Median gender pay gap
Rata-rata kesenjangan bonus (Mean bonus gap) 9,33%
Mean bonus gap)
Nilai tengah kesenjangan bonus (Median bonus gap) 37,65%
Median bonus gap)
Rekrutmen dan Turnover Recruitment and Turnover
Bank Aladin Syariah melakukan rekrutmen secara terbuka sehingga Bank Aladin Syariah adopts an open recruitment policy so that anyone
siapapun yang memenuhi syarat bisa ikut berpartisipasi. Rekrutmen who meets the requirements can participate. Recruitment is carried
dilakukan untuk mengisi kebutuhan sumber daya manusia sesuai out to address human capital needs in accordance with the Bank’s
dengan perkembangan usaha Bank. Melalui proses seleksi tersebut, business development. Through this policy, in 2023, the Bank recruited
pada tahun 2023, Bank merekrut 84 kandidat terbaik, yang selanjutnya 84 of the best candidates, who were then appointed as new employees
diangkat menjadi karyawan baru setelah berhasil menjalani proses after successfully undergoing a follow-up process. As the Bank only
lanjutan. Oleh karena Bank hanya beroperasi di satu kantor, yaitu operates in one office, namely Jakarta, there is no categorization
Jakarta, maka tidak terdapat kategorisasi rekrutmen berdasarkan of recruitment based on placement area. The composition of new
wilayah penempatan. Komposisi karyawan baru berdasarkan rentang employees based on age range and gender in 2023 is presented in
usia dan jenis kelamin tahun 2023 disajikan dalam tabel di bawah ini the table below [3-3; 401-1].
[3-3; 401-1].
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Rekrutmen menurut Usia dan Gender Tahun 2021-2023
Recruitment by Age and Gender 2021-2023
2023 2022 2021
Level Jabatan L P Total L P Total L P Total
Age Range (orang) (orang) (orang) (orang) (orang) (orang) (orang) (orang) (orang)
M P Total M P Total M P Total
(people) (people) (people) (people) (people) (people) (people) (people) (people)
>50 tahun 1 1 2 1 1 2 2 - 2
>50 Years
41 s/d 50 tahun 5 5 10 9 6 15 8 11 19
41 - 50 Years
21 s/d 40 tahun 45 27 72 65 32 97 104 53 157
21 - 40 Years
<20 0 0 0 - - - - - -
<20
Jumlah 51 33 84 75 39 114 114 64 178
Total
L = Laki-laki | P = Perempuan
M = Male | F = Female
Selain bertambah karena rekrutmen, jumlah karyawan Bank berkurang As the number increases due to recruitment, the number of Bank
dengan adanya karyawan yang meninggalkan perusahaan dengan employees decreases due to employees leaving the company for
berbagai alasan yang dibenarkan oleh undang-undang. Selama tahun various reasons justified by law. During 2023, the number of employees
2023, jumlah karyawan yang meninggalkan Bank tercatat sebanyak leaving the Bank was 49 people, as presented in the table below
49 orang, sebagaimana disajikan pada tabel di bawah ini [3-3; 401-1]. [3-3; 401-1].
Komposisi Karyawan Meninggalkan Bank Menurut Usia dan Gender Tahun 2021-2023
Composition of Employees Leaving the Bank Based on Age and Gender in 2021-2023
2023 2022 2021
Rentang Usia L P Total L P Total L P Total
Age Range (orang) (orang) (orang) (orang) (orang) (orang) (orang) (orang) (orang)
M P Total M P Total M P Total
(people) (people) (people) (people) (people) (people) (people) (people) (people)
>50 tahun 3 0 3 4 - 4 - - -
>50 Years
41 s/d 50 tahun 7 3 10 7 4 11 2 2 4
41 - 50 Years
21 s/d 40 tahun 21 15 36 32 10 42 12 5 17
21 - 40 Years
<20 0 0 0 - - - - - -
<20
Jumlah 31 18 49 43 14 57 14 7 21
Total
L = Laki-laki | P = Perempuan
M = Male | F = Female
Komposisi Karyawan Meninggalkan Bank Menurut Level Jabatan Tahun 2021-2023
Composition of Employees Leaving the Bank Based on Position Level in 2021-2023
2023 2022 2021
Level Jabatan
Position Level orang orang orang
people people people
Director 0 2 0
Upper Manager 8 6 2
(VP, VP/Group Head)
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Komposisi Karyawan Meninggalkan Bank Menurut Level Jabatan Tahun 2021-2023
Composition of Employees Leaving the Bank Based on Position Level in 2021-2023
2023 2022 2021
Level Jabatan
Position Level orang orang orang
people people people
Middle Manager 24 11 8
(Sr. Manager s.d AVP)
Junior Manager 17 30 9
(Manager)
Senior Officer 0 4 2
(Sr. Staff)
Officer 0 4 -
(Staff)
Clerical - -
Jumlah 49 57 21
Total
L = Laki-laki | P = Perempuan
M = Male | F = Female
Untuk dapat menghitung rasio turnover karyawan, Bank menggunakan To calculate the employee turnover ratio, the Bank used the formula
rumus di bawah ini. below.
Jumlah Karyawan Keluar
Tingkat Turnover Karyawan Number of Employees Leaving
Employee Turnover Rate
= X 100
((Jumlah Karyawan Awal Tahun + Jumlah Karyawan Akhir Tahun) x 1/2
((Number of Employees at Beginning of Year + Number of Employees at End of Year) x 1/2 pp
Berikut perhitungan turnover karyawan untuk periode tahun 2021 The following shows the employee turnover for the period 2021 to
hingga 2023. 2023.
Jumlah dan Penyebab Karyawan Meninggalkan Bank serta Tingkat Turnover Karyawan Tahun 2021-2023
Number and Reasons for Employees Leaving the Bank and Employee Turnover Rate in 2021-2023
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022* 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
KARYAWAN KELUAR
Employees Leaving
Mengundurkan Diri (orang) 44 53 21 (9) (16,98)
Resign (people)
Pensiun (orang) 1 1 - - -
Pension (people)
Meninggal Dunia (orang) - 1 - (1) -
Passed Away (people)
Kontrak Berakhir (orang) 4 2 - 2 -
Contract End (people)
Pelanggaran Disiplin (orang) - - - - -
Discipline Violations (people)
Jumlah Karyawan yang Keluar (orang) 49 57 21 (8) (14,04)
Total Employees Leaving (people)
Jumlah Rekrutmen/Karyawan Masuk (orang) 84 114 178 (30) (26,32)
Total Recruitment/Employee Entry (people)
Jumlah Karyawan di Awal Tahun (orang) 256 199 42 57 28,64
Total Employees at the Beginning of the Year (people)
Jumlah Karyawan di Akhir Tahun (orang) 291 256 199 35 13,67
Total Employees at the End of the Year (people)
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Jumlah dan Penyebab Karyawan Meninggalkan Bank serta Tingkat Turnover Karyawan Tahun 2021-2023
Number and Reasons for Employees Leaving the Bank and Employee Turnover Rate in 2021-2023
Kenaikan (Penurunan) 2022-
2023
Perihal Increase (Decrease) 2022-2023
2023 2022* 2021
Subject Persentase
Nominal
Percentage
Nominal
(%)
Persentase Turnover (%) 16,84 24,18 17,43 (7,34)
Turnover Percentage (%)
Merujuk karyawan yang masuk dan keluar/meninggalkan Bank di Based on the employees joining and leaving the Bank, the employee
atas, maka tingkat perputaran karyawan atau turnover pada tahun turnover rate in 2023 was 16.84%, lower than 24.18% in 2022. This
2023 tercatat sebesar 16,84%, lebih rendah dibanding tahun 2022, amount was also lower when compared to the turnover target in
yang mencapai 24,18%. Besaran ini juga tercatat lebih rendah bila 2023 of 21.6%. [401-1].
dibandingkan dengan target turnover pada tahun 2023 sebesar 21,6%
[401-1].
Tenaga Kerja Anak dan Kerja Paksa [F.19] Child Labor and Forced Labor [F.19]
Bank Aladin Syariah mendukung penghapusan tenaga kerja anak dan Bank Aladin Syariah supports the elimination of child labor and forced
kerja paksa karena bertentangan dengan hak asasi manusia. Untuk itu, labor as it is contrary to human rights. For this reason, the Bank has
Bank telah memiliki kebijakan yang jelas tentang batas usia minimal dan a clear policy regarding minimum age limits and employee working
jam kerja karyawan. Usia minimal karyawan adalah 18 tahun sehingga hours. The minimum age for employees is 18 years so they are not
tidak termasuk kategori anak sebagaimana diatur undang-undang included in the child category as regulated by the child protection law.
perlindungan anak. Sementara itu, jam kerja yang berlaku adalah 8 Meanwhile, the applicable working hours are 8 (eight) hours per 1
(delapan) jam 1 (satu) hari dan 40 (empat puluh) jam 1 (satu) minggu (one) day, and 40 (forty) hours per 1 (one) week, for 5 (five) working
untuk 5 (lima) hari kerja dalam 1 (satu) minggu, sesuai dengan pasal days in 1 (one) week, in accordance with article 77 Law No. 13 of 2003
77 Undang-Undang No. 13 tahun 2003 tentang Ketenagakerjaan. concerning Employment.
Selain merujuk pada undang-undang ketenagakerjaan, semangat Bank Apart from labor laws, the spirit of the Bank to participate in eliminating
untuk turut serta menghapus pekerja anak dan kerja paksa sesuai child labor and forced labor is in accordance with Law no. 20 of
dengan Undang-Undang No. 20 Tahun 1999 tentang Pengesahan 1999 concerning Ratification of ILO Convention No. 138 Concerning
ILO Convention No. 138 Concerning Minimum Age for Admission Minimum Age for Admission to Employment, and Republic of Indonesia
to Employment (Konvensi ILO Mengenai Usia Minimum untuk Law No. 1 of 2000 concerning Ratification of ILO Convention No. 182
Diperbolehkan Bekerja), dan Undang-Undang Republik Indonesia No. Concerning The Prohibition And Immediate Action for The Elimination
1 Tahun 2000 tentang Pengesahan ILO Convention No. 182 Concerning of The Worst Forms of Child Labor (ILO Convention No. 182 Concerning
The Prohibition And Immediate Action for The Elimination of The Worst the Prohibition and Immediate Action for the Elimination of the Worst
Forms of Child Labour (Konvensi ILO No. 182 Mengenai Pelarangan Forms of Child Labour). While the implementation of clear working
dan Tindakan Segera Penghapusan Bentuk-Bentuk Pekerjaan Terburuk hours is in line with Law no. 19 of 1999 concerning Ratification of ILO
untuk Anak). Sedangkan pemberlakuan jam kerja yang jelas sejalan Convention No. 105 Concerning The Abolition of Forced Labor (ILO
dengan Undang-Undang No. 19 Tahun 1999 tentang Pengesahan Convention on the Abolition of Forced Labor).
ILO Convention No. 105 Concerning The Abolition of Forced Labour
(Konvensi ILO Mengenai Penghapusan Kerja Paksa).
Komitmen Bank terhadap penghapusan pekerja anak dan kerja paksa The Bank’s commitment to eliminating child labor and forced labor
membawa hasil dengan tidak adanya insiden pekerja anak dan kerja resulted in no incidents of child labor and forced labor during the
paksa selama tahun pelaporan. reporting year.
Upah Minimum Regional Regional minimum wage
Bank Aladin Syariah menerapkan kebijakan remunerasi atau Bank Aladin Syariah implements a remuneration or wage policy without
pengupahan tanpa diskriminasi sehingga setiap karyawan berhak discrimination so that every employee has the right to receive equal
memperoleh perlakuan yang sama. Berdasarkan prinsip tersebut, treatment. Based on this principle, especially for permanent employees
terkhusus bagi karyawan tetap di level terendah, Bank memberikan at the lowest level, Bank provides a minimum wage while still paying
upah minimum dengan tetap memperhatikan pemenuhan kebutuhan attention to meeting the needs of a decent life. The amount of the
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hidup layak. Besaran upah minimum diberikan dengan menyesuaikan minimum wage is given by adjusting the price of basic necessities,
harga kebutuhan pokok, tingkat inflasi, standar kelayakan hidup, dan inflation rate, standard of living, and other variables, as determined
variabel lainnya, sebagaimana ditentukan oleh pemerintah daerah by the local government where Bank operates [3-3].
dimana lokasi Bank beroperasi [3-3].
Selaras dengan itu, Bank memastikan telah memenuhi ketentuan In line with this, the Bank ensures that it has complied with DKI Jakarta
Upah Minimum Regional (UMR) DKI Jakarta, termasuk bagi karyawan Regional Minimum Wage (UMR) provisions, including for the lowest
tetap level terendah. Dalam hal ini, Bank berpedoman pada Surat level permanent employees. In this case, the Bank is guided by the
Edaran Menteri Ketenagakerjaan No. B-M/383/ HI.01.00/XI/2021 Minister of Manpower Circular Letter No. B-M/383/ HI.01.00/XI/2021
tentang Penyampaian Data Perekonomian dan Ketenagakerjaan concerning Submission of Economic and Labor Data in Determining
dalam Penetapan Upah Minimum Tahun 2022. Pada tahun 2023, the 2023 Minimum Wage. In the reporting year, the minimum wage
karyawan tetap level terendah Bank adalah officer dengan imbal jasa for permanent employees at the lowest level was Rp4,900,798, while
yang diberikan oleh Bank sebesar Rp 4.900.798,-, sedangkan UMR DKI DKI Jakarta’s UMR was Rp4,900,798. Thus, the ratio of employee wages
Jakarta sebesar Rp 4.900.798,- Dengan demikian, rasio upah karyawan compared to DKI’s UMR was 1:1 [F.20] [202-1].
dibandingkan UMR DKI adalah 1:1 [F.20] [202-1].
Pemenuhan regulasi tentang pengupahan juga dilakukan Bank dengan Compliance with regulations regarding wages is also carried out by
tidak membedakan rasio gaji pokok antara karyawan pria dan wanita. Bank by not differentiating the basic salary ratio between male and
Kebijakan ini sesuai dengan Undang-Undang No. 13 tahun 2003 tentang female employees. This policy is in accordance with Law No. 13 of
Ketenagakerjaan, serta Konvensi ILO No: 100/1951 tentang Pengupahan 2003 concerning Employment, as well as ILO Convention No. 100/1951
yang Sama bagi Pekerja Laki-laki dan Wanita untuk Pekerjaan yang concerning Equal Remuneration for Men and Women Workers for
Sama Nilainya (Equal Remuneration for Men and Women Workers Work of Equal Value [405-2].
for Work of Equal Value) [405-2].
Lingkungan Kerja yang Layak dan Aman [F.21] Proper and Safe Work Environment [F.21]
Lingkungan kerja yang layak dan aman sesuai kaidah Keselamatan dan A proper and safe work environment according to Occupational
Kesehatan Kerja (K3) merupakan salah satu fokus Bank Aladin Syariah Safety and Health (OHS) principles is one of Bank Aladin Syariah’s
dengan tujuan akhir tidak adanya kecelakaan kerja (zero accident) focuses with the ultimate goal of zero work accidents and no work-
dan tidak ada penyakit akibat kerja. Hal itu menjadi perhatian karena related illnesses. This is a concern as the Bank believes that such a
Bank meyakini lingkungan kerja serupa itu berkorelasi positif terhadap work environment has a positive correlation with employees’ calm,
ketenangan, kenyamanan, dan konsentrasi kerja karyawan, yang comfort and work concentration, which leads to increased employee
bermuara dengan meningkatnya kinerja dan produktivitas karyawan. performance and productivity. In line with this, the Bank already has
Selaras dengan itu, Bank sudah memiliki BCP No.SP-P/017/2021/ BCP No.SP-P/017/2021/DIR-CDR, which was implemented since 2022
DIR-CDR yang diimplementasikan sejak tahun 2022 yang berlaku bagi and applies to employees and in the work area of Bank Aladin Syariah.
karyawan dan di lingkungan area kerja Bank Aladin Syariah.
Upaya yang dilakukan Bank untuk menghindari risiko kecelakaan Efforts made by the Bank to avoid the risk of work accidents include
kerja antara lain dengan menyusun layout kantor dengan baik dan arranging office layouts properly and using ergonomic equipment to
menggunakan peralatan-peralatan yang ergonomis untuk menciptakan create a healthy, safe and comfortable work environment. Along with
lingkungan kerja yang sehat, aman, dan nyaman. Seiring dengan itu, this, the Bank also provides OHS facilities and infrastructure, including
Bank juga menyediakan sarana dan prasarana K3, termasuk apabila in the event of an emergency. These facilities and infrastructure include
terjadi kondisi darurat. Sarana dan prasarana tersebut antara lain lactation rooms, smoke detection equipment, light fire extinguishers,
ruang laktasi, alat deteksi asap, alat pemadam api ringan, hidran, kotak hydrants, first aid kits for accidents (P3K), places of worship, parking
Pertolongan Pertama pada Kecelakaan (P3K), tempat ibadah, ruang spaces, 24 hour security, and others. In addition to providing the best
parkir, keamanan 24 jam, dan lain-lain. Selain menyediakan berbagai facilities and infrastructure, the Bank also continuously socializes OHS
sarana dan prasarana terbaik, Bank juga secara kontinu melakukan as a shared responsibility, as well as conducted a Fire Drill together
sosialisasi K3 sebagai tanggung jawab Bersama, serta melakukan Fire with Building Management on September 27, 2023 to increase the
Drill bersama dengan Manajemen Gedung pada tanggal 27 September Bank’s readiness to face the risk of fire. This commitment and effort
2023 untuk meningkatkan kesiapan Bank dalam menghadapi risiko resulted in no work accidents and work-related illnesses being detected
terjadinya kebakaran. Komitmen dan upaya tersebut membawa hasil or reported to the General Affairs work unit during 2023.
dengan tidak adanya kecelakaan kerja dan penyakit akibat kerja yang
dideteksi ataupun dilaporkan kepada unit kerja General Affair selama
tahun 2023.
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Pelatihan dan Pengembangan Employee Capacity Training
Kemampuan Karyawan [F.22] and Development [F.22]
Bank Aladin Syariah sebagai bank digital memerlukan karyawan dengan Bank Aladin Syariah as a digital bank requires employees with specific
kualifikasi dan kompetensi yang spesifik di bidang bisnis digital dan qualifications and competencies in the fields of digital business and
teknologi informasi. Untuk itu, peningkatan kapasitas dan kompetensi information technology. For this reason, increasing employee capacity
karyawan menjadi fokus dan perhatian Bank. Pengembangan and competency is the Bank’s focus and attention. Competency
kompetensi dilakukan dengan memetakan kebutuhan sumber daya development is carried out by mapping future human capital needs. In
manusia ke depan. Selaras dengan itu, Bank juga melakukan program line with this, the Bank also carries out a Talent Management program
Talent Management untuk menyelaraskan rencana strategi Bank dan to align the Bank’s strategic plans and the Company’s overall needs
kebutuhan perusahaan secara menyeluruh terkait dengan sumber related to human capital. Several Talent Management programs that
daya manusia. Beberapa program Talent Management yang telah have been carried out including Leadership Training and Competency-
dilakukan antara lain berupa Leadership Training dan Competency- based Training [3-3].
based Training [3-3].
Beberapa jenis dan lingkup program yang diberikan Bank kepada The types and scope of programs provided by the Bank to employees
karyawan adalah sebagai berikut [404-2]: are as follows [404-2]:
1. Mandatory Training: Training yang diharuskan oleh regulator dan 1. Mandatory Training: Training that is required by the regulator and
wajib diambil sesuai dengan job role-nya; must be taken based on the job role;
2. Non Mandatory Training: Training yang diajukan oleh karyawan 2. Non Mandatory Training: Training submitted by employees and
dan masih berhubungan dengan pekerjaan agar karyawan dapat still related to work so that employees can update their abilities
memperbaharui kemampuan mereka sesuai dengan tren saat ini; in accordance with current trends;
3. Personal Development Training: Training yang diberikan oleh Bank 3. Personal Development Training: Training provided by the Bank
untuk pengembangan diri secara personal. for personal development.
Sesuai dengan kebutuhan pengembangan usaha, selama tahun In accordance with business development needs, during 2023, the
2023, Bank telah menyelenggarakan pelatihan dan pengembangan Bank organized 125 employee training and capability development
kemampuan karyawan sebanyak 125 program yang diikuti oleh 1.117 programs that were attended by 1,117 employees. The average training
karyawan. Adapun rata-rata jam pelatihan peserta adalah 7,1 jam. Untuk hours for participants was 7.1 hours. To carry out this competency
menyelenggarakan berbagai kegiatan pengembangan kompetensi development in 2023, the Bank’s costs were Rp5,754,302,863.
tahun 2023, Bank mengeluarkan biaya sebesar Rp5,754,302,863,-
Rekapitulasi kegiatan pengembangan kompetensi dan rata - rata jam A complete recapitulation of competency development activities
pelatihan karyawan selengkapnya disajikan dalam tabel di bawah ini and average employee training hours is presented in the table below
[404-1]. [404-1].
Rata-rata Jam Pelatihan
Jumlah Karyawan Jam Pelatihan Setiap Karyawan
Number of Employees Training Hours Average Hours Training Per
Employee
Keseluruhan 291 7.866 27,0
Overall
BERDASARKAN GENDER
By Gender
Laki-laki 186 4.752 25,5
Male
Perempuan 105 3.106 29,5
Female
BERDASARKAN KATEGORI JABATAN KARYAWAN
Based on employee position category
Director 4 178 44,5
Upper Manager (VP, VP/Group Head) 41 1.659 40,5
Middle Manager (Sr. Manager s.d AVP) 94 2.892 30,8
Junior Manager (Manager) 93 1.776 19,1
Staff (Officer s.d Sr. Officer) 20 1.352 67,6
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Tema Pendidikan dan Pelatihan Karyawan Tahun 2023
2023 Employee Education and Training Theme
Tema Pendidikan dan Pelatihan Tujuan Pendidikan dan Pelatihan
Education and Training Theme Education and Training Objectives
Intermediate and Advanced Sharia Banking Memberikan pengetahuan dan pemahaman terhadap filosofi transaksi di Bank Syariah dari sisi
produk sampai manajemen operasional, birokratis dan akademis
Provides knowledge and understanding of the transaction philosophy at Sharia Banks from the
product side to operational, bureaucratic and academic management
Sertifikasi Manajemen Risiko Perbankan Level 1, 2, 3 dan 4 Meningkatkan kemampuan karyawan dalam mengelola berbagai risiko yang berpotensi
Banking Risk Management Certification Level 1, 2, 3 and 4 mengancam kelangsungan usaha Bank
Increases employee ability to manage risks that have the potential to threaten the Bank's business
continuity
Pengelolaan Transfer Dana Memastikan kompetensi pengelolaan transfer dana sesuai dengan regulasi dan standar yang
Funds Transfer Management ditetapkan regulator
Ensures competence in managing fund transfers in accordance with regulations and standards set
by the regulator
Leaders Activation Program 2023 Meningkatkan kemampuan kepemimpinan yang kolaboratif dan mandiri bagi para line manager
melalui peningkatan kemampuan komunikasi, mendengar dan mempersuasi
Improves collaborative and independent leadership abilities for line managers by improving
communication, listening and persuasion skills
Competency Based Interview Mengetahui teknik-teknik interview dan melakukan assessment yang lebih tepat sasaran kepada
calon karyawan
Understands interview techniques and carries out more targeted assessments of prospective
employees
Excellent Public Speaking Skills Meningkatkan kemampuan dalam memberikan public statement
Improves the ability to make public statements
Corporate Action Menambah pengetahuan mengenai penerbitan saham dan memperkuat struktur modal
perseroan
Increases knowledge of share issuance and strengthens the Company's capital structure
Team Building Management Meningkatkan kolaborasi di internal perusahaan
Increases collaboration within the Company
Executive Development Program Mengetahui update tools mengenai Talent and Culture Assessment
Understands updated tools for Talent and Culture Assessment
Wakil Perantara Perdagangan Efek (WPPE) Memahami prosedur perdagangan efek
Securities Trading Broker Representative (WPPE) Understands securities trading procedures
Microsoft Excel 2019 Costumized dan Google Sheets Costumized Memahami teknik dalam menggunakan Ms. Excel 2019 dan Google Sheet
Customized Microsoft Excel 2019 and Customized Google Sheets Understands the techniques in using Ms. Excel 2019 and Google Sheets
Fraud & Code of Ethics Investigation Memahami teknik-teknik pencegahan dan investigasi korupsi serta pelanggaran etika
Understands the techniques for preventing and investigating corruption and ethical violations
Retail Financing Memahami kaidah hukum syariah dalam pembuatan produk retail
Understands the rules of sharia law in retail products
Sales Training Delivery Melakukan standarisasi kemampuan menjual produk perbankan
Standardizes the ability to sell banking products
Stress Testing on Banking Exposure Memahami teknik-teknik dalam melakukan stress testing
Understands the techniques for conducting stress testing
Sustainable Finance Memahami update dan issue terkini mengenai praktik keuangan berkelanjutan
Understands the latest updates and issues regarding sustainable financial practices
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Perbandingan Biaya Pelatihan dan Pengembangan Kemampuan Karyawan Tahun 2021-2023
Comparison of Employee Training and Capacity Development Costs for 2021-2023
2023 2022 2021 Kenaikan
(Penurunan)
Realisasi Realisasi Realisasi 2022-2023
Perihal Target Target Target
(Rp-juta) (Rp-juta) (Rp-juta) Increase
Subject (Rp-juta) % (Rp-juta) % (Rp-juta) %
Realization Realization Realization (Decrease)
Target % Target % Target %
(Rp- (Rp- (Rp- 2022-2023
(Rp-million) (Rp-million) (Rp-million)
million) million) million) (%)
Biaya Pelatihan dan Pengembangan 5.538,30 5.754,30 103,90 3.203,39 2.481,51 77,47 N/a. 819 - 131,89
Kemampuan Karyawan
Employee Training and Capacity
Development Costs
Untuk program bantuan peralihan, hingga akhir tahun 2023 Bank For the transition assistance program, up until the end of 2023 the
belum memberikan program bantuan peralihan untuk karyawan yang Bank has not provided a transition assistance program for employees
memasuki masa pensiun atau pemutusan hubungan kerja. Namun entering retirement or termination of employment. However, in 2023
demikian, pada tahun 2023 Bank telah menjalankan program Dana the Bank implemented the Financial Institution Pension Fund (DPLK)
Pensiun Lembaga Keuangan (DPLK) efektif mulai dari Januari 2023. program effective from January 2023. [404-2]
[404-2]
Komitmen dan Kebijakan Social Responsibility Commitment
Tanggung Jawab Sosial dalam and Policy for the Social Aspect
Aspek Sosial Kemasyarakatan
Dampak Operasi Terhadap Masyarakat Impact of Operations on Surrounding
Sekitar [3-3; 203-1; 203-2] Communities [3-3; 203-1; 203-2]
Keberadaan bank digital merupakan tuntutan atas perkembangan The existence of digital banks is a by-product of a rapidly developing
dunia digital yang begitu cepat. Untuk meraih kinerja terbaik, Bank digital world. To achieve the best performance, Bank Aladin Syariah
Aladin Syariah telah menetapkan visi dan misi yang telah disetujui oleh has established a vision and mission that were approved by the
Dewan Komisaris dan Direksi. Dengan berpedoman pada visi dan misi Board of Commissioners and Board of Directors. Guided by this
tersebut, seluruh operasional Bank tidak ada yang berdampak negatif vision and mission, none of Bank’s operations contribute negatively
bagi masyarakat di sekitarnya. Sebaliknya, masyarakat mendapat to the surrounding communities. On the contrary, the community
dampak positif atas keberadaan Bank. Selain menyediakan lapangan benefits positively from the existence of the Bank. As well as providing
kerja, Bank juga menyelenggarakan berbagai program dan kegiatan employment opportunities, the Bank also organizes programs and
yang melibatkan masyarakat, antara lain, melalui program Tanggung activities that involve the communities including, the Social and
Jawab Sosial dan Lingkungan (TJSL), yang diimplementasikan Bank Environmental Responsibility (SER) program, implemented the Bank
melalui kegiatan Tanggung Jawab Sosial Perusahaan (CSR). through Corporate Social Responsibility (CSR) activities.
Di sepanjang tahun 2023 Bank tidak menemukan adanya pengaduan During 2023, the Bank did not receive any complaints from the
dari masyarakat sekitar atas dampak negatif yang muncul dari kegiatan surrounding communities regarding negative impacts arising from
operasi yang dilaksanakan. Bank juga tidak menemukan adanya operational activities carried out. The Bank also did not find any
dampak negatif atas lingkungan hidup yang muncul dari kegiatan negative impact on the environment arising from the activities carried
yang dilaksanakan Bank [F.16; F.23; F.24]. out by the Bank [F.16; F.23; F.24].
Kegiatan Tanggung Jawab Sosial Lingkungan Social Environmental Responsibility (SER)
(TJSL) [F.25] [3-3; 203-1; 203-2] Activities [F.25] [3-3; 203-1; 203-2]
Bank Aladin Syariah menyelenggarakan kegiatan Tanggung Jawab Sosial Bank Aladin Syariah organizes Social and Environmental Responsibility
dan Lingkungan melalui program Tanggung Jawab Sosial Perusahaan activities through the Corporate Social Responsibility (CSR) program.
(Corporate Social Responsibility/CSR). Kegiatan diselenggarakan untuk Activities are held to fulfill responsibilities towards the communities
memenuhi tanggung jawab terhadap masyarakat sebagai salah satu as one of the Bank’s external stakeholders.
pemangku kepentingan eksternal Bank.
Bagi Bank, CSR merupakan salah satu bagian penting dalam For the Bank, CSR is an important part of good corporate governance
pelaksanaan tata kelola perusahaan yang baik dan cukup berperan and plays a significant role in realizing sustainable development goals,
dalam mewujudkan tujuan pembangunan berkelanjutan, yaitu namely development that harmonizes economic, environmental and
pembangunan yang menyelaraskan antara aspek ekonomi, lingkungan social aspects. CSR is also the Bank’s support for the 17 Sustainable
dan sosial. Pelaksanaan CSR sekaligus merupakan dukungan Bank Development Goals (SDGs), which are currently being intensified by
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Sustainability Performance 137
terhadap 17 Tujuan Pembangunan Berkelanjutan (TPB) atau Sustainable the Indonesian government. Other CSR programs and their support
Development Goals (SDGs). Program CSR yang lain dan dukungannya for the SDGs can be seen below.
terhadap TPB dapat dilihat di bawah ini.
Tujuan Pembangunan
No. Jenis Kegiatan TJSL/CSR Berkelanjutan Penjelasan Capaian
No. Type of SER/CSR Activities Sustainable Development Explanation Achievement
Goals
1 Program Pelatihan Edukasi Penyelenggaraan edukasi keuangan Pemahaman dan kemampuan 150 UMKM
Keuangan untuk 150 reseller mayoritas dalam mengelola keuangan usaha dan
Financial Education Training perempuan secara online bekerja pribadi meningkat. i
Program sama dengan Alfamind The understanding and ability of 150
Organizing financial education for MSMEs in managing business and personal
150 resellers, the majority of whom finances has increased.
are women, online in collaboration
with Alfamind
2 Program Warteg Gratis 2023 Program berbagi paket makanan • Pemberian paket makanan dan
Free Warteg Program 2023 dan minuman untuk kaum dhuafa minuman untuk 20.000 orang kaum
yang disalurkan melalui 40 warung dhuafa.
makan di seluruh Indonesia. Selain • Pelibatan 40 UMKM pemilik warung
itu, program ini juga mencakup makan dalam program.
renovasi fisik terhadap 16 warung • Peningkatan tampilan dan kualitas fisik
makan. untuk 16 warung makan.
Program to share food and drink • Provided food and drink packages to
packages for the poor which are 20,000 poor people.
distributed through 40 food stalls • Involved 40 MSME food stall owners in
throughout Indonesia. In addition, the program.
this program also includes physical • Improved appearance and physical
renovations to 16 food stalls. quality for 16 food stalls.
3 Program Kurban Sapi Penyaluran sapi kurban melalui IDF - 160 orang kaum fakir miskin di wilayah
Cow Sacrifice Program MUI dalam rangka menyambut Hari Jabodetabek menerima bantuan kurban
Raya Idul Adha 1444H sapi.
Distribution of sacrificial cows 160 poor people in the Jabodetabek area
through IDF - MUI to welcome Eid received sacrificial cow assistance.
al-Adha 1444H
4 Program Beasiswa Karyawan Program pemberian bantuan Program masih berjalan sampai dengan
Employee Scholarship Program dana pendidikan untuk karyawan Juni 2024.
yang tengah mengambil jenjang The program is still running until June 2024.
pendidikan S1 atau S2.
Program to provide educational
financial assistance for employees
who are taking bachelor’s or
master's degrees.
5 Program Berbagi Impian Bekerja sama dengan Yayasan Benih 47 balita dengan berat badan kurang di
Berbagi Impian Program Baik untuk membantu mencegah wilayah DKI Jakarta, Banten dan Jawa
stunting yang terjadi pada anak- Barat telah menerima bantuan makanan
anak tambahan dan edukasi selama 14 hari.
Collaborating with Yayasan Benih 47 underweight toddlers in the DKI Jakarta,
Baik to help prevent stunting in Banten and West Java areas received
children additional food assistance and education
for 14 days.
6… Program Literasi Keuangan UMKM Program pelatihan literasi 35 UMKM yang tersebar di 6 kota di
MSME Financial Literacy Program keuangan dan digitalisasi UMKM Indonesia telah mengikuti program
agar mampu mengelola keuangan pelatihan secara online. Dari jumlah
secara berkelanjutan. Program ini tersebut, 69% peserta lebih memperhatikan
dilaksanakan bekerja sama dengan aspek operasional dan keuangan bila
Yayasan Benih Baik. dibandingkan sebelum mengikuti pelatihan.
Financial literacy training program 35 MSMEs in 6 cities in Indonesia
and digitalization of MSMEs so they participated in the online training program.
can manage finances sustainably. Of this number, 69% of participants are
This program was implemented in paying more attention to operational
collaboration with Yayasan Benih and financial aspects compared to before
Baik. attending the training.
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138
Tujuan Pembangunan
No. Jenis Kegiatan TJSL/CSR Berkelanjutan Penjelasan Capaian
No. Type of SER/CSR Activities Sustainable Development Explanation Achievement
Goals
7 Program Donor Darah Aladin Program donor darah Aladin 65 karyawan mengikuti program Donor
Aladin Blood Donation Program bekerja sama dengan Palang Merah Darah dan menyumbangkan sekitar 22.750
Indonesia cc darah.
Aladin's blood donation program 65 employees participated in the Blood
with the Indonesian Red Cross Donation program and donated around
22,750 cc of blood.
8 Program Konservasi Bambu Program penanaman dan • Program konservasi bambu di wilayah
Bamboo Conservation Program pemeliharaan 100 rumpun bambu desa Ngargoretno, Kecamatan
di Desa Ngargoretno, Magelang, salaman, Kabupaten Magelang
Jawa Tengah, bekerja sama dengan kerjasama Yayasan KEHATI didukung
FKDKP, PPATK dan Yayasan Kehati oleh FKDKP sudah memasuki tahap
Program for planting and pertama. Program ini melingkupi
maintaining 100 bamboo groves kegiatan pembibitan, penanaman
in Ngargoretno Village, Magelang, dan pemanfaatan berbagai produk
Central Java, in collaboration with berbahan komoditas bambu di 6
FKDKP, PPATK and Yayasan Kehati dusun di Desa Ngargoretno.
• Sepanjang tahun 2023, Kelompok Tani
telah melakukan monitoring secara
berkala. Dari hasil monitoring bulan
November 2023, terdapat kendala
dalam penanaman dan pemeliharaan
bambu karena musim kemarau yang
berkepanjangan disertai dengan
tingkat curah hujan yang sangat
sedikit.
• The bamboo conservation program
in the Ngargoretno village area,
Salaman District, Magelang Regency
in collaboration with Yayasan KEHATI
supported by FKDKP has entered
the first stage. This program covers
seeding, planting and use of products
made from bamboo in 6 hamlets in
Ngargoretno Village.
• During 2023, the Farmers Group
carried out regular monitoring. From
the monitoring results in November
2023, there were obstacles in planting
and maintaining bamboo due to the
prolonged dry season with very little
rainfall.
9 Program Pengumpulan Limbah Program pengumpulan 20.000 Program yang berlangsung dari Oktober
Plastik kg sampah plastik agar tidak 2022 sampai dengan September 2023 ini
Plastic Waste Collection Program mencemari perairan Indonesia, telah berhasil mencegah pencemaran 20
bekerja sama dengan Plastic Bank ton sampah plastik di perairan Indonesia.
Indonesia Selain itu, program ini juga memberikan
Program to collect 20,000 kg of dampak sosial yang positif kepada 214
plastic waste so it does not pollute orang pemulung dan 54 kelompok
Indonesian waters, in collaboration masyarakat melalui pemberian BPJS
with Plastic Bank Indonesia Kesehatan dan pelatihan.
This program, which ran from October
2022 to September 2023, succeeded in
preventing the pollution of 20 tons of plastic
waste in Indonesian waters. This program
also had a positive social impact on 214
scavengers and 54 community groups
through the provision of BPJS Health and
training.
Pada tahun 2023, Bank telah merealisasikan biaya untuk program In 2023, the Bank’s CSR program realized costs of Rp251.07 million,
CSR sebesar Rp251,07 juta, atau 50,21% dari target penyaluran dana or 50.21% of the CSR fund distribution target of Rp500 million. This
CSR sebesar Rp500 juta. Realisasi tersebut lebih rendah dibandingkan realization was lower than theRp422.47 million reached in 2022.
tahun 2022 yang mencapai Rp422,47 juta.
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Perbandingan Biaya Program CSR Tahun 2021-2023
Comparison of CSR Program Costs for 2021-2023
2023 2022 2021 Kenaikan
(Penurunan)
Realisasi Realisasi Realisasi 2022-2023
Perihal Target Target Target
(Rp-juta) (Rp-juta) (Rp-juta) Increase
Subject (Rp-juta) % (Rp-juta) % (Rp-juta) %
Realization Realization Realization (Decrease)
Target % Target % Target %
(Rp- (Rp- (Rp- 2022-2023
(Rp-million) (Rp-million) (Rp-million)
million) million) million) (%)
Biaya Program CSR 500 251,07 50,21 1.000 422,47 48,05 N/a. 550 - (47,74)
CSR Program Costs
Komitmen dan Kebijakan Tanggung Social Responsibility Commitment
Jawab Sosial dalam Aspek Produk and Policy for the Banking
dan Layanan Jasa Perbankan Products and Services and
serta Perlindungan Nasabah Customer Protection Aspects
Layanan Setara untuk Nasabah [F.17] Equal Services for Customers [F.17]
Nasabah merupakan salah satu pemangku kepentingan utama bagi Customers are one of the main stakeholders for Bank Aladin Syariah.
Bank Aladin Syariah. Keberadaan mereka turut berperan besar Their existence plays a major role in the continuity and sustainability
dalam keberlangsungan dan keberlanjutan Bank. Jumlah nasabah of the Bank. The number of customers that continues to grow will
yang terus bertumbuh niscaya akan menjadi penopang tumbuh dan undoubtedly support the growth and development of the Bank, and
berkembangnya Bank, begitu pula sebaliknya. Posisi nasabah yang vice versa. The customers’ central position encourages the Bank to
begitu sentral mendorong Bank untuk memberikan layanan produk provide the best products and services to increase their trust and
dan jasa terbaik guna meningkatkan kepercayaan dan mengoptimalkan optimize their satisfaction.
kepuasan mereka.
Salah satu kunci untuk memberikan layanan terbaik adalah Bank One of the keys to providing the best service is for the Bank to treat
memperlakukan nasabah secara setara, tanpa membeda- bedakan customers equally, without discriminating based on ethnicity, religion,
berdasarkan suku, agama, ras, warna kulit, pandangan politik, dan race, skin color, political views, and other factors. Equality is also
sebagainya. Kesetaraan juga diberikan kepada nasabah berkebutuhan provided to customers with special needs, including those with
khusus, termasuk mereka yang mengalami disabilitas. Implementasi disabilities. Implementing equality in service is the Bank’s commitment
kesetaraan dalam pelayanan merupakan komitmen Bank dalam to good corporate governance, as well as compliance with applicable
menyelenggarakan tata kelola perusahaan yang baik, sekaligus ketaatan regulations. These provisions include the Consumer Protection Act
terhadap ketentuan yang berlaku. Ketentuan itu antara lain Undang- article 7, letter c, “treating or serving consumers correctly and honestly
Undang Perlindungan Konsumen pasal 7, huruf c, “memperlakukan atau and not discriminatory,” as well as SEOJK No. 2/SEOJK.07/2014
melayani konsumen secara benar dan jujur serta tidak diskriminatif,” concerning Services and Settlement of Consumer Complaints to
serta Surat Edaran OJK No. 2/SEOJK.07/2014 tentang Pelayanan dan Financial Services Businesses, where in article 15 paragraph 1 there
Penyelesaian Pengaduan Konsumen pada pelaku Jasa Keuangan dimana is a clause “Financial Services Businesses are required to provide equal
pada pasal 15 ayat 1 terdapat klausul “Pelaku Usaha Jasa Keuangan access to every consumer according to the consumer’s classification
wajib memberikan akses yang setara kepada setiap konsumen sesuai of products and/or services of Financial Services Businesses.”
klasifikasi konsumen atas produk dan/atau layanan Pelaku Usaha
Jasa Keuangan”.
Selain itu, sebagai entitas usaha yang melaksanakan produk dan In addition, as a business entity that provides sharia banking products
layanan perbankan syariah, Bank Aladin Syariah berupaya untuk and services, Bank Aladin Syariah strives to provide banking products
menghadirkan produk dan layanan perbankan yang berorientasi and services that are oriented towards customer satisfaction. Bank
pada kepuasan nasabah. Bank Aladin Syariah terus berupaya untuk Aladin Syariah continues to carry out business operations by always
menjalankan operasional usaha dengan senantiasa mematuhi semua complying with all applicable regulations. However, the Bank is open
regulasi yang berlaku. Namun demikian, Bank membuka diri terhadap to the possibility of complaints from the public and other stakeholders,
kemungkinan adanya pengaduan dari masyarakat dan pemangku including customers, and is committed to resolving these complaints as
kepentingan yang lain, termasuk nasabah, dan berkomitmen untuk soon as possible. Parties who wish to submit complaints or responses
menyelesaikan pengaduan tersebut secepatnya. Pihak-pihak yang to Bank operations can come directly to the Bank’s operational office
hendak menyampaikan pengaduan atau tanggapan atas operasional or use the following channels:
Bank bisa datang langsung ke kantor operasional Bank atau
memanfaatkan saluran berikut:
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Bank Aladin Syariah Bank Aladin Syariah
Gedung Millenium Centennial Center, Lt 7 Gedung Millenium Centennial Center, Lt 7
Jl. Jenderal Sudirman Kav. 25. Jakarta 12920, Indonesia Jl. Jenderal Sudirman Kav. 25. Jakarta 12920, Indonesia
Telepon : +62 21 85500947 Telephone: +62 21 85500947
Faksimili: +62 21 39708007 Fax: +62 21 39708007
Surel: cs@aladinbank.id email: cs@aladinbank.id
Situs Web: www.aladinbank.id Website: www.aladinbank.id
Per 31 Desember 2023, Bank menerima pengaduan dari nasabah As of December 31, 2023, the Bank received 1,300 complaints from
sebanyak 1.300 kasus. Dari jumlah itu, seluruh kasus dapat diselesaikan customers. Of that amount, all cases can be resolved well. The biggest
dengan baik. Pengaduan terbesar yang diterima Bank adalah adalah complaint received by the Bank was for transaction failure/delay that
kegagalan/keterlambatan transaksi yang mencapai 50,3%. accounted for 50.3%.
Manajemen Hubungan Pelanggan Customer Relations Management
Selain memperlakukan secara setara, Bank juga berkomitmen untuk Apart from treating customers equally, the Bank is also committed to
memenuhi hak-hak nasabah terkait dengan kemudahan dalam proses fulfilling customer rights related to ease of administration processes
administrasi dan pemberian informasi secara benar dan jelas tentang and providing correct and clear information about the services and
jasa dan produk yang diberikan. Komitmen ini sesuai dengan Pilar products provided. This commitment is in accordance with the
Kerangka Kerja Keberlanjutan (Pilar 1: Banking Sustainably). Komitmen Sustainability Framework Pillar (Pillar 1: Banking Sustainably). The
dalam menjaga hubungan yang harmonis dengan pelanggan telah commitment to maintaining harmonious relationships with customers
dibuktikan dengan tidak adanya denda atau sanksi sebagai akibat dari has been proven by the absence of fines or sanctions as a result of
ketidakpatuhan terhadap undang-undang atau peraturan yang berlaku non-compliance with laws or regulations that apply to financial services
bagi perusahaan jasa keuangan terkait dengan gugatan pelanggan, companies related to customer lawsuits, Bank services and products
pelayanan dan produk Bank sepanjang tahun 2023. throughout 2023.
Pada tahun 2023, komitmen penyelesaian terhadap pengaduan In 2023, the commitment to resolve customer complaints can be seen
nasabah dapat dilihat pada tabel berikut: in the following table:
Selesai Dalam Proses Tidak Selesai Jumlah
Jenis Transaksi Finished In process Not completed Pengaduan
Types Transactions Jumlah % Jumlah % Jumlah % Number of
Total % Total % Total % Complaints
Kegagalan/keterlambatan transaksi 654 100% 0 0% 0 0% 654
Transaction failure/delay
Pengiriman Kartu Debit 216 100% 0 0% 0 0% 216
Delivery of ATM cards
Kendala Registrasi 185 100% 0 0% 0 0% 185
Registration Constraints
Kendala Aplikasi 176 100% 0 0% 0 0% 176
Application Constraints
Promo 69 100% 0 0% 0 0% 69
Promo
Jumlah 1.300 100% 0 0% 0 0% 1.300
Total
Dampak Produk dan Layanan Jasa [F.28] Impact of Products and Services [F.28]
Bank telah melakukan penilaian terhadap setiap produk/jasa yang The Bank has carried out an assessment of each product/service offered
ditawarkan kepada nasabah. Lebih dari itu, Bank juga telah membuat to customers. Moreover, the Bank has also created a complete product
klasifikasi produk secara lengkap, termasuk dengan profil risiko di classification, including its risk profile. Furthermore, in accordance with
dalamnya. Selanjutnya, sesuai dengan prinsip keuangan berkelanjutan the principles of sustainable finance and referring to the Sustainable
dan mengacu pada Kriteria Kegiatan Usaha Berkelanjutan (KKUB) Business Activity Criteria (KKUB) in the Sustainable Finance POJK,
dalam POJK Keuangan Berkelanjutan, maka Bank akan memberikan the Bank will provide funds by adhering to the prudential principle,
dana dengan memegang prinsip kehati-hatian, termasuk mencegah including preventing risks and negative impacts that may arise.
risiko dan dampak negatif yang mungkin timbul. Dengan berpatokan Based on these principles, during 2023, none of the products and
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Sustainability Performance 141
pada prinsip-prinsip tersebut, selama tahun 2023, produk dan jasa services offered by the Bank had a negative impact on the economic,
yang ditawarkan Bank tidak ada yang berdampak negatif terhadap environmental and social aspects.
aspek ekonomi, lingkungan dan sosial.
Inovasi dan Pengembangan Produk dan Innovation and Development of Sustainable
Layanan Jasa Keuangan Berkelanjutan [F.26] Financial Products and Services [F.26]
Sesuai dengan Rencana Bisnis Bank (RBB) tahun 2023, di sepanjang In line with the Bank Business Plan (RBB) for 2023, throughout 2023,
tahun 2023, Bank terus berinovasi, melakukan pengembangan the Bank continues to innovate, develop products and services
produk dan layanan serta mengoptimalkan fungsi intermediari and optimize intermediary functions by increasing third party fund
dengan meningkatkan aktivitas penghimpunan dana pihak ketiga dan collection activities and channeling financing to business activities,
penyaluran pembiayaan ke berbagai kegiatan usaha, termasuk Kegiatan including Sustainable Business Activities (KUB). These product and
Usaha Berkelanjutan (KUB). Berbagai inovasi dan pengembangan service innovations and developments include:
produk dan layanan tersebut meliputi:
1. Peluncuran produk Deposito untuk nasabah ritel segmen 1. Launching Deposit products for upper middle segment retail
menengah atas dan tabungan remaja. customers and youth savings.
2. Perluasan fitur tabungan rencana Ala Impian dengan membuat 2. Expanding the Ala Impian savings plan features by creating a new
tema tabungan baru Ala Impian Qurban. savings theme Ala Impian Qurban.
3. Penyaluran pembiayaan produktif berbasis bagi hasil untuk 3. Distributing productive financing based on profit sharing for MSME
nasabah UMKM dan korporasi, serta pembiayaan kendaraan and corporate customers, as well as motor vehicle financing for
bermotor untuk nasabah ritel. retail customers.
4. Inisiasi pembiayaan perdana terhadap Kegiatan Usaha Berwawasan 4. Initiating initial financing for Environmentally Friendly Business
Lingkungan. Activities.
5. Peluncuran fitur QRIS sebagai metode pembayaran melalui aplikasi 5. Launching the QRIS feature as a payment method via the mobile
mobile banking dan platform Corporate Internet Banking untuk banking application and Corporate Internet Banking platform to
mempermudah transaksi bagi nasabah korporasi. make transactions easier for corporate customers.
6. Perluasan layanan tarik setor tunai dan pembayaran yang saat ini 6. Expanding the cash deposit withdrawal and payment services
telah tersedia di seluruh gerai Alfamart dan Alfa Midi di Indonesia. that are currently available at all Alfamart and Alfa Midi outlets
in Indonesia.
7. Peluncuran layanan Banking-as-a-Service (BaaS) melalui mitra- 7. Launching Banking-as-a-Service (BaaS) through existing and new
mitra eksisting maupun baru. partners.
Keamanan dan Privasi Data Nasabah Customer Data Security and Privacy
Sebagai bank digital, Bank berkomitmen untuk menjaga kerahasiaan As a digital bank, the Bank is committed to maintaining the
data nasabah dengan berbagai upaya sebagai berikut [3-3]: confidentiality of customer data through the following efforts [3-3]:
1. Penguatan Keamanan Informasi melalui: 1. 1. Strengthening Information Security through:
a. Melanjutkan penguatan Web Application Firewall untuk a. Continuing to strengthen the Web Application Firewall to
melindungi layanan digital perbankan dari serangan cyber. protect digital banking services from cyber attacks.
b. Melanjutkan pengembangan SIEM (Security Information & b. Continuing the development of SIEM (Security Information &
Event Management) untuk mendeteksi aktivitas aktivitas Event Management) to detect activities that could potentially
yang bisa berpotensi pada insiden keamanan. lead to security incidents.
c. Pengembangan sistem untuk uji coba kerentanan keamanan c. Developing a system to regularly test security vulnerabilities
terhadap aplikasi dan infrastruktur secara berkala sebagai for applications and infrastructure as a preventive measure
langkah preventif dari kemungkinan zero-day attack. against possible zero-day attacks.
d. Melanjutkan program-program peningkatan security d. Continuing programs to increase security awareness for
awareness untuk nasabah serta internal Bank. customers and within the Bank.
e. Mengembangkan teknologi proteksi data antara lain Data e. Developing data protection technology, including Data Loss
Loss Prevention (DLP). Prevention (DLP).
f. Mengembangkan teknologi endpoint protection. f. Developing endpoint protection technology.
2. Mengembangkan kebijakan manajemen risiko termasuk prosedur 2. Developing risk management policies including procedures for
untuk teknologi informasi termasuk jaringan komunikasi data information technology including data communication networks
dan standarisasi perangkat lunak, manajemen sistem akses, and software standardization, access system management,
pengembangan layanan perbankan elektronik dalam hal keamanan development of electronic banking services in terms of accessibility
aksesibilitas dan Disaster Recovery Plan. security and a Disaster Recovery Plan.
3. Memastikan kepatuhan terhadap Peraturan Menteri Dalam 3. Ensuring compliance with Minister of Home Affairs Regulation
Negeri Nomor 102 Tahun 2019 tentang Pemberian Hak Akses No. 102 of 2019 concerning Granting Access Rights and Utilization
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dan Pemanfaatan Data Kependudukan sehubungan dengan of Population Data in connection with customer onboarding. In
customer onboarding. Selain itu, Bank Aladin sudah menjalani addition, Bank Aladin has undergone an Information Security
proses sertifikasi Sistem Manajemen Keamanan Informasi (SMKI) Management System (SMKI) certification process that uses the
yang menggunakan standar ISO 27001 untuk flow proses customer ISO 27001 standard for the customer onboarding process flow
onboarding yang akan rampung di awal 2023. which will be completed in early 2023.
4. Memastikan kepatuhan terhadap regulasi terkini terkait 4. Ensuring compliance with the latest regulations related to the
penyelenggaraan teknologi informasi, seperti Undang-Undang implementation of information technology, such as Law No. 27
No. 27 Tahun 2022 tentang Perlindungan Data Pribadi, POJK No. of 2022 concerning Protection of Personal Data, POJK No. 11/
11/POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi POJK.03/2022 concerning the Implementation of Information
oleh Bank Umum, SEOJK No. 29/SEOJK.03/2022 tentang Ketahanan Technology by Commercial Banks, SEOJK No. 29/SEOJK.03/2022
dan Keamanan Siber bagi Bank Umum, serta berbagai framework concerning Resilience and Cybersecurity for Commercial Banks,
keamanan seperti cybersecurity dan digital maturity model. as well as security frameworks such as cybersecurity and digital
maturity models.
Komitmen tersebut telah terbukti dengan tidak adanya pengaduan This commitment has been proven by the absence of complaints
mengenai pelanggaran terhadap privasi data pelanggan dan tidak regarding violations of customer data privacy and no reports of leakage,
adanya laporan mengenai kebocoran, pencurian atau kehilangan data theft or loss of customer data throughout 2023 [418-1].
nasabah sepanjang tahun 2023 [418-1].
Produk dan Layanan Jasa yang Products and Services That Have Been
Sudah Dievaluasi Keamanannya bagi Evaluated for Safety for Customers
Nasabah serta Jumlah Produk dan and the Number of Products and
Layanan Jasa yang Ditarik Kembali Services That Have Been Recalled
Kepatuhan terhadap regulasi merupakan prinsip yang dipegang teguh Compliance with regulations is a principle that the Bank adheres
Bank, termasuk dalam menawarkan produk dan jasa kepada nasabah. to firmly, including offering products and services to customers. In
Dalam prosesnya, semua produk dan jasa yang ditawarkan Bank the process, all products and services offered by the Bank have met
telah memenuhi semua persyaratan dan mendapatkan persetujuan all requirements and received approval from the Financial Services
dari Otoritas Jasa Keuangan sehingga telah teruji keamanannya Authority so they have been tested for security for customers. In line
bagi nasabah. Selaras dengan itu, untuk menekan risiko kerugian with this, to reduce the risk of loss to a minimum on these products and
seminimal mungkin atas produk dan jasa tersebut, Bank secara services, the Bank continuously conveys information on all risks that
kontinu menyampaikan informasi atas semua risiko yang mungkin may occur to customers, such as market risk and currency fluctuation
terjadi kepada nasabah, seperti risiko pasar dan risiko fluktuasi mata risk. Information is delivered through various channels and programs,
uang. Penyampaian informasi dilakukan melalui berbagai saluran including the Company website, the Aladin application and social
dan program, antara lain laman perusahaan, aplikasi Aladin, dan media.
sosial media.
Sesuai regulasi yang ada, Bank juga telah melakukan kegiatan literasi In accordance with existing regulations, the Bank has also carried out
keuangan dan inklusi keuangan sehingga calon nasabah atau nasabah financial literacy and financial inclusion activities so that potential
mendapatkan pemahaman yang benar tentang produk/jasa yang customers or clients get a correct understanding of the products/
ditawarkan Bank. Dengan demikian, mereka akan memilih produk services offered by the Bank. Thus, they will choose the products and
dan layanan jasa yang ditawarkan Bank sesuai kebutuhan dan telah services offered by the Bank according to their needs and already know
mengetahui profil risiko yang melekat di dalam produk/jasa tersebut the risk profile inherent in these products/services [F.27].
[F.27].
Selama tahun 2023, tidak terdapat produk dan layanan jasa Bank yang During 2023, no Bank products and services were recalled from the
ditarik kembali dari pasar dengan alasan apapun [F.29]. market for any reason [F.29].
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Survei Kepuasan Nasabah terhadap Customer Satisfaction Survey on Sustainable
Produk dan/atau Layanan Jasa Financial Products and/or Services [F.30]
Keuangan Berkelanjutan [F.30]
Kepuasan nasabah merupakan tujuan yang hendak dicapai oleh Customer satisfaction is the goal to be achieved by the Bank in providing
Bank dalam memberikan pelayanan produk dan jasa terbaik. the best products and services. To determine the level of customer
Untuk mengetahui tingkat kepuasan nasabah, Bank secara berkala satisfaction, the Bank periodically conducts customer satisfaction
menyelenggarakan survei kepuasan nasabah. Selain mengetahui surveys. In addition to knowing the customer responses on the quality
respons nasabah terhadap kualitas produk dan layanan, survei sekaligus of products and services, the surveys are also a means of receiving
merupakan sarana untuk mendapatkan umpan balik untuk perbaikan feedback for improvements from customers.
dari nasabah.
Pada tahun 2023, Bank menyelenggarakan survei kepuasan nasabah In 2023, the Bank organized a customer satisfaction survey by sending
dengan mengirimkan kuesioner kepada 51.828 orang nasabah. Dari a questionnaire to 51,828 clients. From all of the questionnaires sent,
total kuesioner yang dikirimkan 2.522 nasabah atau 4,9% dari jumlah 2,522 customers or 4.9% of the total targeted respondents sent the
keseluruhan mengisi dan mengirimkan kuesioner tersebut kepada completed questionnaire back. The 2023 customer satisfaction survey
Bank. Survei kepuasan nasabah tahun 2023 mencatat nilai CSAT sebesar recorded a CSAT score of 3.94, where a CSAT score of 5 is the highest
3,94, dimana nilai CSAT 5 merupakan nilai tertinggi. Survei kepuasan score. This is the second customer satisfaction survey conducted by
nasabah ini kedua kalinya dilakukan oleh Bank Aladin Syariah sejak Bank Aladin Syariah since the Bank launched its products and services
Bank meluncurkan produk dan layanan di awal tahun 2022. in early 2022.
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Verifikasi Tertulis dari Pihak Independen [G.1]
[2-5]
Written Verification from an Independent Party [G.1] [2-5]
ASSURANCE STATEMENT
SGS INDONESIA’S REPORT ON SUSTAINABILITY ACTIVITIES IN THE
PT BANK ALADIN SYARIAH Tbk SUSTAINABILITY REPORT 2023
NATURE OF THE ASSURANCE/VERIFICATION
PT. SGS Indonesia was commissioned by PT Bank Aladin Syariah Tbk to conduct an independent assurance of
the Sustainability Report 2023. The scope of the assurance, based on the SGS Sustainability Report Assurance
methodology, included the text, and data in accompanying tables, contained in this report.
INTENDED USERS OF THIS ASSURANCE STATEMENT
This Assurance Statement is provided with the intention of informing all PT Bank Aladin Syariah Tbk’s
stakeholders.
RESPONSIBILITIES
The information in the Report and its presentation are the responsibility of the directors or governing body and
the management of PT Bank Aladin Syariah Tbk. SGS has not been involved in the preparation of any of the
material included in the Report.
Our responsibility is to express an opinion on the text, data, graphs and statements within the scope of verification
with the intention to inform PT Bank Aladin Syariah Tbk’s stakeholders.
ASSURANCE STANDARDS, TYPE AND LEVEL OF ASSURANCE
The SGS ESG & Sustainability Report Assurance protocols used to conduct assurance are based upon
internationally recognised assurance guidance and standards including the principles of reporting process
contained within the Global Reporting Initiative Sustainability Reporting Standards (GRI Standards) GRI 1:
Foundation 2021 for report quality, GRI 2 General Disclosure 2021 for organisation’s reporting practices and other
organizational detail, GRI 3 2021 for organisation’s process of determining material topics, its list of material topics
and how to manages each topic, and the guidance on levels of assurance contained within the AA1000 series of
standards.
The assurance of this report has been conducted according to the following Assurance Standards:
• SGS ESG & SRA Assurance Protocols (based on GRI Principles and guidance in AA1000)
• AA1000ASv3 Type 1 (AA1000AP Evaluation) with level of assurance is Moderate.
Assurance has been conducted at a moderate level of scrutiny
SCOPE OF ASSURANCE AND REPORTING CRITERIA
The scope of the assurance included evaluation of quality, accuracy and reliability of specified performance
information as detailed below and evaluation of adherence to the following reporting criteria:
• Global Reporting Initiative Sustainability Reporting Standards 2021 (with reference to the GRI
Standards)
• AA1000 Accountability Principles (2018)
ASSURANCE METHODOLOGY
The assurance comprised a combination of pre-assurance research and interviews with relevant accountable
managers and employees at the Head Office of PT Bank Aladin Syariah Tbk in Jakarta via remote.
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LIMITATIONS AND MITIGATION
Financial data drawn directly from independently audited financial accounts has not been checked back to source
as part of this assurance process.
Some statements and data within the scope were not assured due to lack of accessible records during the
timescale allowed for assurance, and these are clearly marked throughout the Report.
STATEMENT OF INDEPENDENCE AND COMPETENCE
The SGS Group of companies is the world leader in inspection, testing and verification, operating in more than
140 countries and providing services including management systems and service certification; quality,
environmental, social and ethical auditing and training; environmental, social and sustainability report assurance.
SGS affirm our independence from PT Bank Aladin Syariah Tbk, being free from bias and conflicts of interest with
the organisation and stakeholders.
The assurance team was assembled based on their knowledge, experience and qualifications for this assignment,
and comprised auditors registered with International Register of Certificated Auditors (IRCA), Environmental
Management System (EMS) Lead Auditor, Quality Management System (QMS) Lead Auditor, Occupational
Health and Safety Management System Lead Auditor, the IRCA Corporate Responsibility
FINDINGS AND CONCLUSIONS
ASSURANCE/VERIFICATION OPINION
On the basis of the methodology described and the assurance work performed, we are satisfied that the disclosure
with inclusivity, materiality, responsiveness, and impact information in the scope of assurance is reliable, has
been fairly stated and has been prepared, in all material respects, in accordance with the reporting criteria.
We believe that the organisation has chosen an appropriate level of assurance for this stage in their reporting.
QUALITY AND RELIABILITY OF SPECIFIED PERFORMANCE INFORMATION
It is recommended to perform external assurance annualy in order to increase the robustness, accuracy,
trustworthiness of disclosed information and to implement any recommended improvements.
ADHERENCE TO AA1000 ACCOUNTABILITY PRINCIPLES (2018)
Inclusivity
PT Bank Aladin Syariah Tbk has made a commitment to be accountable to those on whom it has an impact or
who have an impact on it as stated in some Policies such as Code of Conduct, Risk Management Policy.
Inclusivity is the participation of stakeholders in developing and achieving an accountable and strategic response
to sustainability. Process of engagement and participation that provides comprehensive and balanced
involvement and results in strategies, plan, action and outcomes that address and respond to issues and impacts
in an accountable way. The company has a process of stakeholder participation (all stakeholders) through
periodic meeting with stakeholders.
Materiality
PT Bank Aladin Syariah Tbk has identified stakeholders and those issues that are material to each group of
stakeholders and the report addresses these at an appropriate level to reflect their importance and priority to
these stakeholders. In order to establish Key Material issues for Sustainability Report 2023, PT Bank Aladin
Syariah Tbk conducted Materiality Assessment Survey to PT Bank Aladin Syariah Tbk’s stakeholders, the
result of the Survey is presented in the Sustainability Report 2023. Materialities are
economic performance, market presence, indirect economic impacts, procurement practices, anti corruption,
energy, emission, employment, training and education, diversity and equal opportunity, and customer privacy.
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Responsiveness
PT Bank Aladin Syariah Tbk has responded to stakeholders issues that affect to its sustainability performance
and is released through decisions, actions and performance, as well as communication with stakeholders.
Impact
PT Bank Aladin Syariah Tbk has identified and fairly represented impacts that were monitored and measured.
PT Bank Aladin Syariah Tbk has established processes to monitor, measure and evaluate impacts that lead to
effective decision making management within organization.
ADHERENCE TO GLOBAL REPORTING INITIATIVE SUSTAINABILITY REPORTING STANDARDS (2021)
In our opinion, the PT Bank Aladin Syariah Tbk’s Sustainability Report 2023 is presented with reference to the
the Global Reporting Initiative Sustainability Reporting Standards 2021.
Foundation
In our opinion, the content and quality of the report adheres to the GRI Reporting Principles of Accuracy, Balance,
Clarity, Comparability, Completeness, Sustainability context, Timeliness and Verifiability.
General Disclosures
All the General disclosures required for reporting with reference to the the Global Reporting Initiative
Sustainability Reporting Standards 2021
Material Topics
PT Bank Aladin Syariah Tbk disclose material topics that represent an organization’s most significant impacts
on the economy, environment, and people, with reference to the Global Reporting Initiative Sustainability
Reporting Standards 2021 .
Signed:
For and on behalf of SGS Indonesia
Waras Putri Andrianti
Business Assurance Director
Jakarta, Indonesia
29 April 2024
WWW.SGS.COM
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Tanggapan Terhadap Umpan Balik Laporan
Keberlanjutan Tahun Sebelumnya [G.3]
Response to the Previous Year’s Sustainability Report
Feedback [G.3]
Di tahun 2023 Bank menerima 1 (satu) umpan balik atas Laporan In 2023 the Bank received 1 (one) feedback on the 2022 Sustainability
Keberlanjutan tahun 2022 yang diperoleh perwakilan dari organisasi Report from representatives from multilateral organizations that
multilateral yang berfokus pada pengembangan aspek pembangunan focus on developing the development and sustainability aspects. The
dan keberlanjutan. Beberapa respon dan masukan atas umpan balik responses and input regarding this feedback was as follows:
tersebut adalah sebagai berikut:
1. Masukan atas alur Laporan Keberlanjutan, agar dapat 1. Input on the Sustainability Report flow, so that you can use a
menggunakan pendekatan umum ke khusus. general to specific approach.
2. Saran agar laporan dapat disajikan dalam visual yang lebih menarik, 2. Suggestions for reports to be presented with more attractive
agar dapat meningkatkan keterlibatan pembaca dan memudahkan visuals, in order to increase reader involvement and make it easier
pembaca untuk mendapatkan gambaran singkat tentang materi for readers to get a brief overview of the material.
tersebut.
3. Rekomendasi agar referensi silang Peraturan OJK dan indeks GRI 3. Recommendations for cross-referencing OJK Regulations and
memberikan tautan pada halaman yang dimaksud agar dapat the GRI index to provide a link on the page in question to make
mempermudah pengguna laporan dalam memahami hubungan it easier for report users to understand the relationship between
Peraturan OJK dan indeks GRI dalam konten laporan. OJK Regulations and the GRI index in the report content.
Bank berkomitmen untuk dapat menindaklanjuti umpan balik yang The Bank committed to following up on the feedback it received, and it
telah diterima, yang akan menjadi bahan bagi masukan dalam become input for the preparation of the 2023 Sustainability Report. For
penyusunan Laporan Keberlanjutan tahun 2023. Atas umpan balik the feedback received, the Bank would like to express its appreciation.
yang telah diterima, Bank mengucapkan terima kasih.
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Daftar Pengungkapan sesuai Peraturan
Otoritas Jasa Keuangan No. 51/POJK.03/2017
tentang Penerapan Keuangan Berkelanjutan
bagi Lembaga Jasa Keuangan, Emiten dan
Perusahaan Publik [G.4]
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
STRATEGI KEBERLANJUTAN
Sustainability Strategy
A.1 Strategi Keberlanjutan 12
Sustainability Strategy
IKHTISAR KINERJA ASPEK KEBERLANJUTAN
Sustainability Aspect Performance Overview
B.1 Aspek Ekonomi 26
Economic Aspect
B.2 Aspek Lingkungan Hidup 27
Environmental Aspect
B.3 Aspek Sosial 27
Social Aspect
PROFIL PERUSAHAAN
Company profile
C.1 Visi, Misi, dan Nilai Keberlanjutan 47
Vision, Mission and Sustainability Values
C.2 Alamat Perusahaan 42-43
Company's address
C.3 Skala Usaha 42, 48
Business Scale
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 49
Products, Services, and Running Business Activities
C.5 Keanggotaan pada Asosiasi 51
Membership in Associations
C.6 Perubahan Perusahaan yang Bersifat Signifikan 61
Significant Changes in Issuers and Public Companies
PENJELASAN DIREKSI
Board of Directors Explanation
D.1 Penjelasan Direksi 30-37
Board of Directors Explanation
TATA KELOLA KEBERLANJUTAN
Sustainability Governance
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan 83
Responsible for Implementation of Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 85
Competency Development Related to Sustainable Finance
E.3 Penilaian Risiko atas Penerapan Keuangan Berkelanjutan 87
Risk Assessment of the Implementation of Sustainable Finance
E.4 Hubungan dengan Pemangku Kepentingan 96
Relationships with Stakeholders
E.5 Permasalahan Terhadap Penerapan Keuangan Berkelanjutan 98
Problems with the Implementation of Sustainable Finance
KINERJA KEBERLANJUTAN
Sustainability Performance
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List of Disclosures in accordance with Financial Services
Authority Regulation No. 51/POJK.03/2017 concerning the
Implementation of Sustainable Finance for Financial Services
Institutions, Issuers and Public Companies [G.4]
Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
F.1 Kegiatan Membangun Budaya Keberlanjutan 23, 104
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 105
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 105
Sejalan dengan 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 Aspect
F.4 Biaya Lingkungan Hidup 122
Environmental Costs
ASPEK MATERIAL
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan 115
Usage of Environmentally Friendly Materials
ASPEK ENERGI
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan 116
Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 116
Efforts and Achievements of Energy Efficiency and Renewable energy usage
ASPEK AIR
Water Aspect
F.8 Penggunaan Air 121
Water usage
ASPEK KEANEKARAGAMAN HAYATI
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman Hayati Tidak cocok
Impacts from Operational Areas that are Near or Located in Conservation Areas or Have Biodiversity untuk Bank.
Not applicable.
F.10 Usaha Konservasi Keanekaragaman Hayati Tidak cocok
Biodiversity Conservation Efforts untuk Bank.
Not applicable.
ASPEK EMISI
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 120
Total and Intensity of Generated Emissions Based on Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 116
Emission Reduction Efforts and Achievements Conducted
ASPEK LIMBAH DAN EFLUEN
Waste And Effluent Aspects
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Nomor Indeks Nama Indeks Halaman
Index Number Index Name Page
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis 122
Total Waste and Effluent Generated Based on Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen 122
Waste and Effluent Management Mechanism
F.15 Tumpahan yang Terjadi (jika ada) Tidak cocok
Spills That Occur (If Any) untuk Bank.
Not applicable.
ASPEK PENGADUAN TERKAIT LINGKUNGAN HIDUP
Complaints Related to the Environment Aspect
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 136
Number and Material of Environmental Complaints Received and Resolved
KINERJA SOSIAL
Social Performance
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen 139
Commitment of FSI, Issuer, or Public Company to Provide Equivalent Products and/or Services to Consumers
ASPEK KETENAGAKERJAAN
Employment Aspect
F.18 Kesetaraan Kesempatan Bekerja 128
Equal Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 132
Child Labor and Forced Labor
F.20 Upah Minimum Regional 133
Regional minimum wage
F.21 Lingkungan Bekerja yang Layak dan Aman 133
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 134
Employee Capability Training and Development
ASPEK MASYARAKAT
Community Aspect
F.23 Dampak Operasi Terhadap Masyarakat Sekitar 136
Impact of Operations on Surrounding Communities
F.24 Pengaduan Masyarakat 136
Community Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 136
Environmental Social Responsibility Activities (SER)
TANGGUNG JAWAB PENGEMBANGAN PRODUK/JASA BERKELANJUTAN
Responsibility for Sustainable Product/Service Development
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 141
Innovation and Development of Sustainable Financial Products/Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 142
Products/Services Evaluated the Safety For Customers
F.28 Dampak Produk/Jasa 140
Impact on Products/Services
F.29 Jumlah Produk yang Ditarik Kembali 142
Total Products Recalled
F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 143
Customer Satisfaction Survey on Sustainable Financial Products and/or Services
LAIN-LAIN
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada) 144
Written Verification from Independent Party (if any)
G.2 Lembar Umpan Balik 156
Feedback Sheet
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 147
Responses to Feedback on the Previous Year's Sustainability Report
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan 148
bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik.
List of Disclosures in Accordance with POJK 51/2017 concerning the Implementation of Sustainable Finance for Financial Services
Institutions, Issuers and Public Companies
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Indeks Konten GRI
GRI Content Index
PT Bank Aladin Syariah Tbk telah melaporkan informasi yang dikutip dalam indeks konten GRI untuk periode 1
Pernyataan Penggunaan Januari 2023 hingga 31 Desember 2023 dengan merujuk kepada Standar GRI.
Usage statement PT Bank Aladin Syariah Tbk has reported in accordance with the GRI standards for the period January 1, 2022-
December 31, 2022:
GRI 1 yang Digunakan GRI 1: Landasan 2021.
GRI 1 used GRI 1: Foundation for 2021
Standar Sektor GRI yang Berlaku G4 Financial Services Sector Disclosures
Applicable GRI Sector Standards G4 Financial Services Sector Disclosures
Standar GRI Pengungkapan Lokasi
GRI Standards Disclosure Location
PENGUNGKAPAN UMUM
General disclosure
GRI 2 - Pengungkapan 2-1 Rincian organisasi 42, 49, 50
umum 2021 2-1 Organization details
GRI 2: 2021 General
2-2 Entitas yang dimasukkan dalam pelaporan keberlanjutan organisasi 5
Disclosures
2-2 Entities included in an organization's sustainability reporting
2-3 Periode, frekuensi, dan titik kontak pelaporan 4, 9
2-3 Reporting period, frequency, and contact points
2-4 Penyajian kembali informasi 8
2-4 Restatement of information
2-5 Penjaminan eksternal 9
2-5 External guarantee
2-6 Aktivitas, rantai nilai, dan hubungan bisnis lainnya 50, 61
2-6 Activities, value chains and other business relationships
2-7 Tenaga kerja 56
2-7 Labor
2-8 Pekerja yang bukan pekerja langsung 56
2-8 Non-direct workers
2-9 Struktur dan komposisi tata kelola 66
2-9 Governance structure and composition
2-10 Pencalonan dan pemilihan badan tata kelola tertinggi 71
2-10 Nomination and election of the highest governance body
2-11 Ketua badan tata kelola tertinggi 71
2-11 Chair of the highest governance body
2-12 Peran badan tata kelola tertinggi dalam mengawasi manajemen dampak 76
2-12 Role of the highest governance body in overseeing impact management
2-13 Delegasi tanggung jawab untuk mengelola dampak 83
2-13 Delegation of responsibility for managing impacts
2-14 Peran badan tata kelola tertinggi dalam pelaporan keberlanjutan 38
2-14 The highest governance body's role in sustainability reporting
2-15 Konflik kepentingan 67
2-15 Conflict of interest
2-16 Komunikasi masalah penting 93
2-16 Communication of important issues
2-17 Pengetahuan kolektif badan tata kelola tertinggi 85
2-17 Collective knowledge of the highest governance body
2-18 Evaluasi kinerja badan tata kelola tertinggi 81
2-18 Evaluation of the highest governance body performance
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Laporan Berkelanjutan 2023 Sustainability Growth Through Collaboration & Inclusivity
Page 152
152
Standar GRI Pengungkapan Lokasi
GRI Standards Disclosure Location
2-19 Kebijakan remunerasi 82
2-19 Remuneration policy
2-20 Proses untuk menentukan remunerasi 82
2-20 Process for determining remuneration
2-21 Rasio kompensasi total tahunan 82
2-21 Annual total compensation ratio
2-22 Pernyataan tentang strategi pembangunan berkelanjutan 30
2-22 Statement on sustainable development strategy
2-23 Komitmen kebijakan 47
2-23 Policy commitment
2-24 Menanamkan komitmen kebijakan 92
2-24 Instill policy commitments
2-25 Proses untuk memperbaiki dampak negatif 93
2-25 Process for correcting negative impacts
2-26 Mekanisme untuk mencari nasihat dan mengemukakan masalah 93
2-26 Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan terhadap hukum dan peraturan 99
2-27 Compliance with laws and regulations
2-28 Asosiasi keanggotaan 51
2-28 Membership association
2-29 Pendekatan untuk keterlibatan pemangku kepentingan 96
2-29 Approach to stakeholder engagement
2-30 Perjanjian perundingan kolektif 127
2-30 Collective bargaining agreements
TOPIK MATERIAL
Material Topic
GRI 3: Topik Material 3-1 Proses untuk menentukan topik material 7
2021 3-1 Process for determining material topics
GRI 3: Material Topics
3-2 Daftar topik material 8
for 2021
3-2 List of material topics
TOPIK EKONOMI
Economic Topic
KINERJA EKONOMI
Economic Performance
GRI 3: Topik Material 3-3 Manajemen topik material 108
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 201: Kinerja 201-1 Nilai ekonomi langsung yang dihasilkan dan didistribusikan 108
Ekonomi 2016 201-1 Direct economic value generated and distributed
GRI 201: Economic
Performance for 2016
KEBERADAAN PASAR
Market Existence
GRI 3: Topik Material 3-3 Manajemen topik material 132-133
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 202: Keberadaan 202-1 Rasio standar upah karyawan pemula berdasarkan jenis kelamin terhadap upah minimum regional 133
Pasar 2016 202-1 The ratio of the standard entry wage by sex to the regional minimum wage
GRI 202: Market
Presence 2016
DAMPAK EKONOMI TIDAK LANGSUNG
Indirect Economic Impacts
GRI 3: Topik Material 3-3 Manajemen topik material 136
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Sustainability Growth Through Collaboration & Inclusivity Sustainability Report 2023
Page 153
Kinerja Keberlanjutan
Sustainability Performance 153
Standar GRI Pengungkapan Lokasi
GRI Standards Disclosure Location
GRI 203: Dampak 203-1 Investasi infrastruktur dan dukungan layanan 136
Ekonomi Tidak 203-1 Infrastructure investment and service support
Langsung 2016
203-2 Dampak ekonomi tidak langsung yang signifikan 136
GRI 203: Indirect
203-2 Significant indirect economic impact
Economic Impacts for
2016
PRAKTIK PENGADAAN
Procurement Practices
GRI 3: Topik Material 3-3 Manajemen topik material 110
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 204: Praktik 204-1 Proporsi pengeluaran untuk pemasok lokal 110
Pengadaan 2016 204-1 Proportion of spending on local supplier
GRI 204: Procurement
Practices for 2016
ANTI KORUPSI
Anti Corruption
GRI 3: Topik Material 3-3 Manajemen topik material 95
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 205: Antikorupsi 205-3 Insiden korupsi yang terbukti dan tindakan yang diambil 95
2016 205-3 Confirmed incidents of corruption and actions taken
GRI 205: Anti-
Corruption for 2016
TOPIK LINGKUNGAN
Environmental Topic
ENERGI
Energy
GRI 3: Topik Material 3-3 Manajemen topik material 116
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 302: Energi 2016 302-1 Konsumsi energi dalam organisasi 116
GRI 302: Energy for 302-1 Energy consumption in the organization
2016
302-4 Pengurangan konsumsi energi 116
302-4 Reduction of energy consumption
EMISI
Emissions
GRI 3: Topik Material 3-3 Manajemen topik material 116
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 305: Emisi 2016 305-1 Emisi GRK (Cakupan 1) langsung 120
GRI 305: Emissions for 305-1 Direct (Scope 1) GHG emissions
2016
305-2 Emisi GRK (Cakupan 2) tidak langsung 120
305-2 Indirect (Scope 2) GHG emissions
305-5 Pengurangan emisi GRK 116, 119
305-5 GHG emission reduction
TOPIK SOSIAL
Social Topic
KEPEGAWAIAN
Staffing
GRI 3: Topik Material 3-3 Manajemen topik material 129
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 401: Kepegawaian 401-1 Perekrutan karyawan baru dan pergantian karyawan 129
2016 401-1 Recruitment of new employees and employee turnover
GRI 401: Employment
for 2016
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Laporan Berkelanjutan 2023 Sustainability Growth Through Collaboration & Inclusivity
Page 154
154
Standar GRI Pengungkapan Lokasi
GRI Standards Disclosure Location
PELATIHAN DAN PENDIDIKAN
Training And Education
GRI 3: Topik Material 3-3 Manajemen topik material 134
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 404: Pelatihan dan 404-1 Rata-rata jam pelatihan per tahun per karyawan 134
Pendidikan 2016 404-2 Average hours of training per year per employee
GRI 404: Training and
404-2 Program untuk meningkatkan keterampilan karyawan dan program bantuan peralihan 134, 136
Education for 2016
404-2 Programs for upgrading employee skills and transition assistance programs
KEANEKARAGAMAN DAN PELUANG SETARA
Diversity And Equal Opportunities
GRI 3: Topik Material 3-3 Manajemen topik material 132-133
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 405: 405-2 Rasio gaji pokok dan remunerasi perempuan dibandingkan laki-laki 133
Keanekaragaman dan 405-2 Ratio of basic salary and remuneration of female compared to male
Peluang Setara 2016
GRI 405: Diversity and
Equal Opportunity for
2016
PRIVASI PELANGGAN
Customer Privacy
GRI 3: Topik Material 3-3 Manajemen topik material 141
2021 3-3 Material topic management
GRI 3: Material Topics
for 2021
GRI 418: Privasi 418-1 Pengaduan yang berdasar mengenai pelanggaran terhadap privasi pelanggan dan hilangnya data pelanggan 142
Pelanggan 2016 418-1 Complaints that are based on violations of customer privacy and loss of customer data
GRI 418: Customer
Privacy for 2016
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Sustainability Growth Through Collaboration & Inclusivity Sustainability Report 2023
Page 155
Kinerja Keberlanjutan
Sustainability Performance 155
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Laporan Berkelanjutan 2023 Sustainability Growth Through Collaboration & Inclusivity
Page 156
156
Lembar Umpan Balik [G.2]
Feedback Sheet [G.2]
Terima kasih atas kesediaan Bapak/Ibu/Saudara membaca Laporan Thank you for your willingness to read the 2023 PT Bank Aladin Syariah
Keberlanjutan PT Bank Aladin Syariah Tbk 2022. Untuk meningkatkan Tbk Sustainability Report. To improve the quality of the future reports,
kualitas laporan pada tahun berikutnya, kami mohon kesediaan Bapak/ we ask you to provide feedback by sending it via email, fax or post.
Ibu/Saudara untuk memberikan umpan balik dengan mengirimkannya
via surel, faksimili, atau pos.
Nama (bila berkenan) :
Name (if you please)
Lembaga/Institusi/Perusahaan :
Institution/Company
E-mail :
Telp/HP :
: (Mohon pilih salah satu jawaban di bawah ini)
(Please choose one answer below)
Pemegang Saham/Investor
Shareholder/Investor
Pelanggan/Nasabah
Customer
Regulator
Regulator
Golongan Pemangku Kepentingan Mitra Kerja/Vendor
Stakeholder Groups Partner/Vendor
Media Massa
Mass Media
Akademisi
Academic
Masyarakat
Community
Lain-lain (sebutkan):
Other (please state):
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Sustainability Growth Through Collaboration & Inclusivity Sustainability Report 2023
Page 157
Kinerja Keberlanjutan
Sustainability Performance 157
Mohon pilih jawaban yang paling sesuai dengan memberikan tanda Please choose the most suitable answer by marking √ in the box
√ di dalam kotak yang tersedia. provided:
Sangat
Sangat
Tidak Tidak
Setuju Setuju Netral
Setuju Setuju
Strongly Agree Neutral
Disagree Strongly
agree
Disagree
Laporan ini mudah dimengerti.
This report is easy to understand.
Laporan ini bermanfaat bagi Anda.
This report is useful for you.
Laporan ini menggambarkan kinerja Bank sesuai prinsip keuangan berkelanjutan.
This report describes the Bank's performance according to sustainable finance principles.
Laporan ini menarik.
This report is interesting.
Laporan ini meningkatkan kepercayaan Anda terhadap keberlanjutan operasional Bank.
This report increases your confidence in the sustainability of Bank's operations.
Mohon berkenan mengisi: Please kindly fill in:
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Mohon dapat memberikan saran/usul/komentar Anda atas laporan ini
Please provide your suggestions/comments on this report
Terima kasih atas partisipasi Bapak/Ibu/Saudara. Mohon agar formulir Thank you for your participation sir/madam/brother. Please return
ini dikirimkan kembali kepada: this form to:
Corporate Secretary
PT Bank Aladin Syariah Tbk
Kantor Pusat
Gedung Millennium Centennial Center, Lt 7
Jl. Jenderal Sudirman Kav. 25
.Jakarta Selatan 12920
Indonesia
email: corsec@aladinbank.id
Membangun pertumbuhan berkelanjutan melalui kolaborasi inklusivitas
Laporan Berkelanjutan 2023 Sustainability Growth Through Collaboration & Inclusivity
Page 158
aladinbank.id
Names mentioned 122 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Aladin
p.3 ×18
unresolved
org
Bank Syariah. Melalui
p.3
unresolved
org
Financial Services Authority
p.4 ×9
unresolved
org
Bank Aladin Syariah Head Office Jakarta. Selain
p.5
unresolved
org
Bank Aladin Syariah Methodology
p.6
unresolved
org
Bank GRI Topic Standards
p.8
unresolved
org
Bank TOPIK EKONOMI ECONOMIC TOPIC Kinerja Ekonomi
p.8
unresolved
org
PT SGS
p.9
unresolved
org
PT SGS Indonesia Indonesia
p.9
unresolved
org
PT SGS Indonesia
p.9 ×2
unresolved
org
Tata Kelola Tertinggi
p.10
unresolved
org
Bank Aladin Syariah Kerangka Kerja
p.12
unresolved
org
Bank Aladin Syariah Bank Aladin Syariah Sustainability Framework
p.12
unresolved
org
Bank Syariah Digital Terdepan
p.13 ×2
unresolved
org
Bank Aladin Syariah Basic
p.13
unresolved
org
Bank Aladin Syariah Bantu
p.13
unresolved
org
Yayasan Sinar
p.15
unresolved
org
Yayasan Sinar Utama Nusantara Utama Nusantara
p.15
unresolved
org
Bank Indonesia
p.15 ×17
unresolved
org
Yayasan Kehati
p.15 ×2
unresolved
org
Bank Aladin SDG
p.16 ×7
unresolved
org
Bank Aladin's Sustainable
p.16 ×7
unresolved
org
Bank Aladin's Sustainability Targets
p.16 ×7
unresolved
—
HAM
· Presiden Direktur
p.30
unresolved
org
Finance Corporation
p.34 ×2
unresolved
org
Yayasan Benih Baik.
p.36
unresolved
org
Yayasan Benih Baik Indonesia.
p.37
unresolved
org
Yayasan Benih Baik Indonesia. Sebagaimana
p.37
unresolved
org
Tata Kelola Tertinggi Seluruh
p.38
unresolved
org
Bank Aladin Syariah Informasi Perubahan Nama
p.42
unresolved
org
PT Bank Maybank Nusa
p.42
unresolved
org
PT Bank Maybank Nusa Bank
p.42
unresolved
org
PT Bank Maybank Syariah Indonesia
p.42 ×3
unresolved
org
Bank Net Indonesia Syariah Tbk
p.42 ×7
unresolved
org
Syariah Tbk
p.42 ×2
unresolved
person
Notary Achmad Abid
· Notaris
p.42 ×3
unresolved
org
Minister of Justice Keputusan Menteri Kehakiman Republik Indonesia
p.42
unresolved
org
Minister of Law
p.42
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.42 ×2
unresolved
org
Bank Umum Syariah
p.42 ×6
unresolved
org
Bank Umum Syariah Line
p.42
unresolved
org
PT Aladin Global Ventures
p.42 ×13
unresolved
org
PT BNC Technologies Ventures
p.42 ×6
unresolved
org
Indonesia Stock Exchange
p.43 ×4
unresolved
org
PT Bank Maybank Nusa International
p.44 ×2
unresolved
org
Bank Nusa Nasional
p.44
unresolved
org
Bank Nusa Nasional From
p.44
unresolved
org
PT Maybank Nusa International
p.44
unresolved
org
PT Bank Maybank Indocorp
p.44 ×3
unresolved
org
Penyehatan Perbankan Nasional
p.44
unresolved
org
Bank Indonesia Decree
p.44 ×3
unresolved
person
Notary Yulia S.H.
· Notaris
p.45
unresolved
org
Indonesia Syariah Tbk
p.45
unresolved
org
Bank Consolidation
p.45
unresolved
org
PT BNC Technologies Rp
p.45
unresolved
org
Bank Ladin Syariah
p.45
unresolved
org
Bank Aladin Syariah Bank Aladin Syariah. Di
p.46
unresolved
org
Bank Aladin Syariah Series
p.46
unresolved
org
Bank Aladin Syariah’s Vision
p.47
unresolved
org
Bank Mudharib Income
p.48
unresolved
org
PT Aladin Global Ventures Shareholders
p.48
unresolved
person
Forum Komunikasi
· Direktur
p.51 ×2
unresolved
org
Bank Aladin Syariah Bank Aladin Syariah Organizational Structure
p.52
unresolved
person
Prof. DR. H.M. Asrorun Ni’am Sholeh
p.54 ×4
unresolved
person
Drs. H. Sholahudin Al Aiyub
· Anggota
p.54 ×5
unresolved
org
Bank Category
p.60 ×3
unresolved
org
Bank Digital Murni
p.60
unresolved
org
Bank Collaboration Dimension Category
p.60
unresolved
org
Bank Syariah
p.60 ×2
unresolved
org
Bank Aladin Syariah. Business
p.63
unresolved
org
Bank Aladin Syariah’s GCG
p.65
unresolved
org
Bank Aladin Syariah Governance Structure Struktur
p.65
unresolved
org
Bank Aladin Syariah Annual
p.65
unresolved
org
Bank Aladin Syariah Bank Aladin Syariah Governance Structure
p.66
unresolved
person
Nominasi
· Anggota Komite Audit
p.67 ×2
unresolved
org
PT Bank Net Indonesia Syariah. Beliau
p.68
unresolved
org
PT Bank Net Indonesia Syariah. Does
p.68
unresolved
org
Kementerian Pemuda dan Olahraga
p.68
unresolved
org
PT FWD Asuransi
p.68 ×2
unresolved
org
Ministry of Youth and Sports
p.68
unresolved
org
Bank Muamalat Indonesia
p.69 ×2
unresolved
org
Bank Aladin Direksi Bank Aladin Syariah
p.71
unresolved
person
H. R. Rasuna Said
p.73 ×2
unresolved
org
Bapepam
p.74 ×4
unresolved
person
DYOTA MAHOTTAMA MARSUDI
p.75
unresolved
person
MAYANG EKAPUTRI
· Direktur
p.75
unresolved
org
BAIQ NADEA DZURRIATIN DEWAN PENGAWAS SYARIAH
p.75
unresolved
—
Reappointing ATIONO TEGUH BASUKI
· Commissioner
p.75 ×9
unresolved
—
Reappointed FRANSISCA EKAWATI
· Commissioner
p.75 ×3
unresolved
—
Reappointing DR. H. M. ASRORUN NI’AM SHOLEH
· Chairman
p.75 ×4
unresolved
org
Bank Aladin Syariah Board
p.76
unresolved
org
Bank Aladin Syariah. Pembentukan
p.83
unresolved
person
Sustainability Executive Commitee
· Presiden Direktur
p.84 ×2
unresolved
person
Ationo Teguh B.
· Komisaris
p.85
unresolved
person
Dyota Marsudi
· Presiden Direktur
p.85
unresolved
—
Willy Hambali
· Chief Operations & Strategy Officer
p.85
unresolved
—
Stefen Loekito
· Chief Commercial Officer
p.85
unresolved
—
Linda Setiawan
· Chief People, Culture & Diversity Officer
p.85
unresolved
—
Budi Kusmiantoro
· Chief Technology Officer
p.85
unresolved
—
Budi Soedarpo
· Chief Risk Officer
p.85
unresolved
—
Fibrian Aditia Widiansah
· Manager Retail Financing Risk Management
p.85
unresolved
person
Risk Monitoring Committee
· Komisaris
p.88
unresolved
org
Bank Manajemen Risiko Bank Aladin Syariah
p.89
unresolved
org
Bank Aladin Syariah’s Composite Risk Semester II Tahun
p.90
unresolved
org
Bank Aladin Syariah’s WBS
p.93
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