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2023
Sustainable Financing Laporan Keberlanjutan
for a Brighter Future
Sustainability Report
PT Bank KEB Hana Indonesia
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Sustainable Financing
for a Brighter Future
PT Bank KEB Hana Indonesia terus berupaya
melanjutkan pertumbuhan bisnis yang
berkelanjutan melalui berbagai produk dan layanan
berlandaskan aspek Environment, Social, dan
Governance (ESG). Kami berharap dapat selalu
mendampingi para pemangku kepentingan
mencapai tujuan dan maju untuk mengejar peluang
cerah di masa depan. Hal ini sesuai dengan misi
kami “Tumbuh Bersama, Berbagi Kebahagiaan”.
Kami menghadirkan produk-produk inovatif dan
berkelanjutan serta memanfaatkan teknologi
sebagai kekuatan dalam menyambut masa depan
yang lebih baik.
PT Bank KEB Hana Indonesia is committed to promoting
sustainable business growth by offering a range of
products and services that are grounded in the principles
of Environment, Social, and Governance (ESG). We aspire
to consistently support stakeholders in realizing their
objectives and progressing toward the pursuit of promising
prospects in the future, consistent with our purpose of
“Growing Together, Sharing Happiness”. We offer innovative
and sustainable products, leveraging technology to usher in
a brighter future.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 1
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
DAFTAR ISI 2023
Sustainability Report
CONTENTS
1 Sustainable Financing
for a Brighter Future
2 DAFTAR ISI
CONTENTS
SAMBUTAN DIREKSI
Board of Directors’ Greeting
TENTANG LAPORAN KEBERLANJUTAN 32 Sambutan Direksi
Board of Directors’ Greeting
About Sustainability Report
34 Komitmen dan Kebijakan Keberlanjutan
Sustainability Commitment and Policy
4 Tentang Laporan Keberlanjutan 34 Tata Kelola Penerapan Keuangan
About Sustainability Report Berkelanjutan
Governance for the implementation of
6 Penentuan Topik Material dan Pelibatan
Sustainable Finance
Pemangku Kepentingan
Determination of Material Topics and
35 Pencapaian Kinerja Keberlanjutan
Stakeholder Engagement Sustainable Performance Achievement
37 Penutup
Closing
38 Direksi
Board of Directors
IKHTISAR KINERJA KEBERLANJUTAN
Sustainability Highlight Performance
12 Ikhtisar Aspek Keberlanjutan
Overview of Sustainability Aspects
STRATEGI KEBERLANJUTAN
14 Penghargaan dan Sertifikasi
Award and Certification Sustainability Strategy
42 Fokus Keberlanjutan
Sustainability Focus
42 Rencana Aksi Keuangan Berkelanjutan
PROFIL PERUSAHAAN (RAKB)
Sustainable Finance Action Plan (RAKB)
Company Profile
18 Sekilas Bank Hana
Hana Bank at a Glance
20 Visi, Misi, dan Nilai-Nilai Perusahaan
Corporate Vision, Mission, and Values
TATA KELOLA KEBERLANJUTAN
22 Visi dan Misi Keberlanjutan
Sustainability Vision and Mission Sustainability Governance
23 Skala Perusahaan
Company Scale
50 Prinsip Tata Kelola Keberlanjutan
24 Produk dan Jasa Sustainable Finance Governance Principle
Product and Services
27 Keanggotaan Asosiasi 51 Tahapan Penerapan Tata Kelola
Membership in Association Keberlanjutan
Sustainable Finance Governance
28 Wilayah Operasional Implementation Stages
Operational Areas
2 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
52 Penanggung Jawab Penerapan Keuangan 92 Kepuasan Karyawan
Berkelanjutan Employee Satisfaction
Person in Charge for Implementation of
93 Sarana Pengaduan Masalah Ketenagakerjaan
Sustainable Finance Facilities To Address Employment Issues
53 Pengembangan Kompetensi Keberlanjutan
Sustainability Competence Development
54 Manajemen Risiko
Risk Management
59 Antikorupsi dan Anti-Fraud
Anti-Corruption and Anti-Fraud KINERJA PENGEMBANGAN SOSIAL
Whistleblowing System
MASYARAKAT
60
Whistleblowing System Performance of Social Community
Development
96 Dampak Operasional
Operational Impacts
96 Kegiatan Tanggung Jawab Sosial Masyarakat
KINERJA OPERASIONAL, PRODUK, Corporate Social Responsibility Program
DAN LAYANAN 98 Literasi dan Inklusi Keuangan
Operational, Products, and Services Financial Literacy and Inclusion
Performance
64 Membangun Budaya Keberlanjutan Ekonomi
Building a Culture of Economic Sustainability
65 Pertumbuhan Kinerja Operasional dan
Keuangan
Operational and Financial Performance Growth
KINERJA PENGELOLAAN LINGKUNGAN
Environmental Management
66 Mendorong Pertumbuhan Ekonomi Melalui
Penyaluran Kredit Performance
Driving Economic Growth through Lending
67 Pembiayaan Kegiatan Usaha Berkelanjutan
Financing Sustainable Business Activities 102 Membangun Budaya Keberlanjutan
Lingkungan
71 Nilai Ekonomi Langsung yang Dihasilkan Building a Culture of Environmental
Direct Economic Value Generated Sustainability
72 Pelayanan Terbaik kepada Nasabah
102 Pengelolaan Energi dan Emisi
The Best Service to Customers Management of Energy and Emission
73 Keamanan, Privasi, dan Perlindungan Nasabah
103 Penggunaan Material Lainnya
Security, Privacy, and Customer Protection Use of Other Materials
104 Sarana Pengaduan Lingkungan
Environmental Grievance Tool
104 Biaya Pengelolaan Lingkungan
Environmental Management Costs
KINERJA PENGEMBANGAN KARYAWAN
Performance of Employee Developmen 105 Tanggung Jawab Laporan Keberlanjutan
Sustainability Report Responsibility
106 Daftar Pengungkapan sesuai Peraturan
Otoritas Jasa Keuangan Nomor 51/
84 Demografi Karyawan
Employee Demography POJK.03/2017
List of Disclosure based on POJK NO.51/
86 Kesetaraan dan Kesempatan yang Sama POJK.03/2017
Equality and Equal Opportunitie
107 Lembar Umpan Balik
87 Komitmen Tidak Menggunakan Tenaga Kerja Feedback Form
Di Bawah Umur dan Kerja Paksa
Commitment Against The Use Minors and
Forced Labor
87 Remunerasi
Remuneration
88 Pengembangan Kompetensi
Competency Development
90 Program Persiapan Pensiun
Retirement Preparation Program
91 Lingkungan Kerja yang Aman, Sehat, dan
Kondusif
Safe, Healthy, and Conducive Working
Environment
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 3
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Tentang Laporan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan Keberlanjutan Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy About Sustainability Report Performance Tentang Laporan Keberlanjutan About Sustainability Report Selamat datang di Laporan Keberlanjutan PT Bank KEB Hana Indonesia 2023, yang selanjutnya disebut juga dengan “Bank Hana”, “Bank”, atau “kami”. Laporan ini disusun sebagai bentuk komitmen dalam menjalankan kegiatan bisnis perbankan yang menekankan prinsip-prinsip keberlanjutan. Laporan ini merupakan laporan keempat setelah pertama kali diterbitkan pada tahun 2020, yang akan terus dilaporkan setiap tahunnya. Welcome to the 2023 Sustainability Report of PT Bank KEB Hana Indonesia, hereinafter also referred to as “Bank Hana,” “the Bank,” or “we.” This report was created as a demonstration of our commitment to conducting banking business activities that prioritize sustainability principles. This is the fourth report following the first report that was published in 2020 and will be issued annually. 4 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Laporan ini memuat informasi terkait kinerja This report contains information on the Bank’s
ekonomi, sosial, dan lingkungan Bank selama economic, social, and environmental performance
periode 1 Januari 2023 hingga 31 Desember during the period of 1 January 2023, to 31 December
2023. Dasar penyusunan laporan menggunakan 2023. The report is prepared based on Financial
Peraturan Otoritas Jasa Keuangan (OJK) No. 51/ Services Authority Regulation No. 51/POJK.03/2017
POJK.03/2017 tentang Penerapan Keuangan on the Implementation of Sustainable Finance for
Berkelanjutan bagi Lembaga Jasa Keuangan, Financial Services Institutions, Issuers, and Public
Emiten, dan Perusahaan Publik. Kemudian Companies. The format of the report refers to
dalam teknis penyusunan laporan mengacu the requirement in Financial Services Authority
pada Surat Edaran Otoritas Jasa Keuangan no.16/ Circular Letter No. 16/SEOJK.04/2021 on Format
SEOJK.04/2021 tentang Bentuk dan Isi Laporan and Contents of Annual Reports of Issuers or
Tahunan Emiten atau Perusahaan Publik. Public Companies.
Penyusunan isi laporan dilakukan berdasarkan The contents of the report were prepared based on
standar tersebut dan telah diverifikasi oleh pihak these standards and have been verified by internal
internal, tanpa proses verifikasi dari pihak eksternal parties, with no independent external verification
independen. Laporan ini juga menyediakan lembar process. There is also a feedback page at the end
umpan balik di akhir laporan yang berfungsi of the report that serves to collect responses from
untuk menerima tanggapan dari para pemangku stakeholders regarding the report. [G.1][G.2]
kepentingan terkait laporan. [G.1][G.2]
Informasi lebih lanjut terkait laporan dan Further information regarding this report and how
pengiriman lembar umpan balik dapat melalui: to send the feedback page can be obtained via:
Bayu Wisnu Wardhana Mangkuluhur City Tower One Lt.11
Jl. Jend. Gatot Subroto Kav. 1-3
Sekretaris Perusahaan Jakarta Selatan, 12930
Corporate Secretary T: (+6221) 5081 1111
F: (+6221) 5081 1123
E: corp.info@hanabank.co.id
W: www.hanabank.co.id
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 5
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Tentang Laporan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
Keberlanjutan Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
About Sustainability Report Performance
PENENTUAN TOPIK MATERIAL DAN PELIBATAN DETERMINATION OF MATERIAL TOPICS AND
PEMANGKU KEPENTINGAN STAKEHOLDER ENGAGEMENT
Selain mengacu pada Peraturan Otoritas Jasa Apart from referring to Financial Services Authority
Keuangan (OJK) No. 51/POJK.03/2017 tentang isi (OJK) Regulation No. 51/POJK.03/2017 concerning
laporan, Laporan Keberlanjutan ini juga telah the report’s contents, this Sustainability Report
menentukan daftar topik material berdasarkan has also determined a list of material topics based
relevansi antara kinerja perusahaan dengan on the relevance of the Bank’s performance to its
para pemangku kepentingan. Bank Hana telah stakeholders. Hana Bank has engaged with various
melibatkan berbagai kelompok pemangku stakeholder groups with different needs and
kepentingan yang memiliki perbedaan kebutuhan viewpoints. Each group has sustainability issues
dan sudut pandang masing-masing. Setiap that must be managed appropriately through
kelompok memiliki isu keberlanjutan yang perlu policies, strategic steps, programs, and products
dikelola dengan tepat melalui kebijakan, langkah and services implemented by the Bank.
strategis, program, maupun produk dan jasa yang
dijalankan oleh Bank.
Adapun penetapan kelompok yang tergolong The Bank determines which groups are classified
sebagai pemangku kepentingan oleh Bank as stakeholders by following the criteria approach
dilakukan dengan mengikuti pendekatan kriteria stated in the 2015 AA1000 Stakeholder Engagement
yang tercantum dalam Standar Keterlibatan Standard (SES).
Pemangku Kepentingan AA1000 (SES) tahun 2015.
Ketergantungan Pengaruh Tanggung Jawab Perspektif Perhatian
Dependency Influence Responsibility Perspective Attention
Dalam menjalankan Pihak tersebut Bank memiliki Pihak tersebut Pihak tersebut
aktivitas, dapat memberikan tanggung jawab, dapat memberikan membutuhkan
Bank memiliki pengaruh terhadap baik legal, komersial, sudut pandang baru perhatian dari Bank
ketergantungan keputusan strategis operasional, atau terhadap isu dan berkenaan isu
terhadap pihak atau operasional tanggung jawab lain peluang yang belum ekonomi, sosial, atau
tersebut, baik secara yang diambil oleh saat ini atau di masa ada sebelumnya. lingkungan.
langsung maupun Bank. yang akan datang,
tidak langsung. terhadap pihak
tersebut.
In carrying out These parties The Bank has These parties can These parties require
activities, the Bank can influence current or future provide a new attention from the
has dependency on the strategic or responsibility, wether perspective on issues Bank regarding
these parties, either operational decisions legal, commercial, and opportunities economic, social, or
directly or indirectly. made by the Bank. operational, or other that did not exist environmentl issues.
responsibility, for previously.
these parties.
Kelompok-kelompok yang tergolong sebagai The Bank then engages the various groups
pemangku kepentingan kemudian dilibatkan classified as stakeholders using a variety of
dengan berbagai metode pendekatan untuk approaches and methods to meet their aspirations
memenuhi aspirasi dan kebutuhan mereka. [E.4] and needs. [E.4]
6 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Kelompok
Pemangku
Dasar Pemilihan Metode Pelibatan Isu Penting Rencana Strategis
Kepentingan
Basis of Selection Engagement Methods Important Issues Strategic Plan
Stakeholder
Group
Pemegang • Tanggung Jawab • Rapat Umum • Kinerja keuangan • Pertumbuhan Kinerja
Saham dan • Ketergantungan Pemegang Saham dan non-keuangan operasional dan
Investor • Perspektif (RUPS) • Arah dan kebijakan keuangan
Shareholders • Pengaruh • Paparan Publik strategis • Penyusunan Rencana
and Investors • Responsibility • Akses Informasi • Keberlanjutan usaha Bisnis Bank (RBB)
• Dependency • General Meeting of • Financial and • Penyusunan Rencana Aksi
• Perspective Shareholders (GMS) non-financial Keuangan Berkelanjutan
• Influence • Public expose performance (RAKB)
• Access to information • Strategic direction • Penyusunan Laporan
and policies Tahunan dan Laporan
• Business Keberlanjutan
sustainability • Operational and financial
performance growth
• Preparation of Bank
Business Plan (RBB)
• Preparation of a
Sustainable Finance
Action Plan (RAKB)
• Preparation of Annual
Report and
• Sustainability Report
Pemerintah dan • Tanggung Jawab Pelaporan secara Kepatuhan terhadap • Penyampaian laporan
Regulator • Pengaruh berkala peraturan dan kepada Bank Indonesia
Government • Responsibility Periodic reporting ketentuan yang dan Otoritas Jasa
and Regulator • Influence berlaku, termasuk Keuangan
tanggung jawab • Produk dan/atau jasa
terhadap lingkungan keuangan berkelanjutan
hidup • Pemenuhan kewajiban
Compliance with perpajakan
applicable rules and • Submission of Reports
regulations, including to BankIndonesia and
responsibility for the The Financial Services
environment Authority
• Sustainable Finance
Products and/or Services
• Fulfillment of Tax
Obligations
Karyawan • Tanggung Jawab • Focus Group • Pengelolaan • Kesetaraan dan keadilan
Employee • Ketergantungan Discussion (FGD) ketenagakerjaan dalam rekrutmen,
• Pengaruh • Gathering karyawan yang adil dan pengembangan
• Perhatian • Sarana pengaduan bertanggung jawab kompetensi, dan
• Responsibility karyawan • Keselamatan dan pengembangan karier
• Dependency • Focus Group Kesehatan Kerja • Remunerasi yang layak
• Influence Discussion (FGD) • Fair and responsible dan kompetitif
• Attention • Employee gatherings employment • Tunjangan kesehatan dan
and management kecelakaan kerja
• Employee complaint • Occupational health • Pengelolaan sarana dan
channel and safety prasarana keselamatan
kerja
• Program pensiun
• Equality and fairness in
recruitment, competency
development, and career •
development
• Adequate and
competitive
remuneration
• Benefits for health and
occupational accidents
• Management
of occupational
safety facilities and
infrastructure; and
• Pension program
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 7
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Tentang Laporan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
Keberlanjutan Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
About Sustainability Report Performance
Kelompok
Pemangku
Dasar Pemilihan Metode Pelibatan Isu Penting Rencana Strategis
Kepentingan
Basis of Selection Engagement Methods Important Issues Strategic Plan
Stakeholder
Group
Nasabah • Tanggung Jawab • Fasilitas pelayanan • Produk dan layanan • Penciptaan produk dan
Customer • Ketergantungan nasabah • Keamanan dana jasa yang menarik dan
• Pengaruh • Survei kepuasan simpanan kompetitif
• Perhatian Nasabah • Keamanan informasi • Ikut serta dalam Lembaga
• Responsibility • Sarana pengaduan nasabah Penjamin Simpanan (LPS)
• Dependency nasabah • Products and • Peningkatan keandalan
• Influence • Customer service services teknologi informasi
• Attention facilities • Security of deposit • Developing attractive and
• Customer funds competitive products and
satisfaction survey • Customer services
• Customer complaint information security • Participating in the
facilities Indonesia Deposit
• Insurance Corporation
(LPS)
• Increasing information
technology reliability
Mitra Usaha • Tanggung Jawab • Perumusan kontrak • Perlakukan yang adil • Penetapan mitra usaha
Business • Ketergantungan kerja dan setara berdasarkan prosedur
Partner • Responsibility • Survei kepuasan • Ketepatan waktu yang disepakati
• Dependency mitra pembayaran • Pemenuhan kewajiban
• Preparation of • Fair and equal pembayaran secara tepat
employment treatment waktu
contracts • On time payment • Determination of business
• Partner satisfaction partners based on agreed
survey procedures; and
• Fulfillment of payment
obligations in a timely
manner
Masyarakat • Tanggung Jawab Website dan sarana • Peningkatan • Penggunaan tenaga kerja
Community • Kedekatan komunikasi lainnya kesejahteraan lokal
• Perhatian Website and other ekonomi dan sosial • Pengembangan UMKM
• Perspektif communication • Informasi aktivitas • Pelaksanaan aksi sosial
• Responsibility channel Bank • Pemutakhiran website
• Closeness • Increasing economic Bank secara berkala
• Attention and social welfare; • Use of local labor
• Perspective and • MSME development;
• Bank activity • Implementation of social
information activities
• Update the Bank’s
website regularly
Media Tanggung Jawab • Paparan publik • Kinerja dan aktivitas • Pelaksanaan public
Press Responsibility • Media gathering Bank expose dan media
• Keterbukaan • Bank performance gathering
informasi pada and activities • Pemutakhiran website
website dan media Bank secara berkala
terpiih • Penyampaian informasi
• Public Expose pada media harian
• Media gatherings berperedaran nasional
• Information • Conducting public
disclosure on expose and media •
selected gathering
• websites or media • Updating the Bank’s
website regularly
• Submitting information to
daily media with national
circulation
Setelah melibatkan berbagai kelompok pemangku Following the various stakeholder group
kepentingan, Bank kemudian mengidentifikasi engagements, the Bank identified and established
dan menentukan beberapa topik material untuk a number of material topics to be reported. Below
dilaporkan ke dalam laporan ini. Berikut adalah is a list of selected material topics:
daftar topik material yang telah ditentukan:
8 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Topik Material Alasan Pemilihan
Material Topics Material Reason
Aspek Ekonomi
Economic Aspect
Kinerja Ekonomi Kinerja ekonomi merupakan indikator penting dalam menjaga keberlangsungan
Economic Performance usaha sekaligus pemberian manfaat ekonomi terhadap pemangku kepentingan.
Economic performance is an important indicator for maintaining business continuity
and providing economic benefits to stakeholders.
Pembiayaan Kegiatan Usaha Pembiayaan terhadap kegiatan usaha yang berwawasan sosial dan lingkungan
Berkelanjutan penting untuk menjaga keberlanjutan di masa depan sekaligus meningkatkan
Sustainable Business perekonomian daerah.
Activities Financing
Financing for business activities that are socially and environmentally sound is
important for maintaining sustainability in the future while at the same time
increasing the regional economy.
Tata Kelola Keberlanjutan Penerapan prinsip-prinsip keuangan berkelanjutan perlu ditunjang oleh pengelolaan
Sustainability usaha yang baik untuk dapat mencapai target RAKB.
Governance
The application of sustainable finance principles needs to be supported by good
business management to achieve the RAKB target.
Digitalisasi Produk dan Jasa Perkembangan teknologi saat ini senantiasa dimanfaatkan untuk menyediakan
Products and Services produk dan layanan perbankan berbasis digital untuk mempermudah nasabah dan
Digitalization memperluas jangkauan yang terlayani oleh Bank.
Technological developments are currently being utilized to provide digital-based
banking products and services to facilitate customers and expand the reach served
by the Bank.
Aspek Sosial
Social Aspect
Kerahasiaan Data Nasabah Keamanan data merupakan hal yang penting untuk dijaga sehingga memberikan
Customer Data rasa aman bagi setiap nasabah serta menjaga reputasi Bank Hana.
Confidentiality
Data security is an important matter to maintain so as to provide a sense of security
for every customer and maintain Hana Bank’s reputation.
Pengembangan Kompetensi Kompetensi karyawan senantiasa ditingkatkan untuk menunjang pelaksanaan
Nasabah tugasnya di tengah perkembangan industri perbankan, sekaligus menjadi nilai
Customer Data tambah Bank Hana dalam persaingan usaha di bidang perbankan.
Confidentiality
Employee competency is constantly being improved to support the implementation
of duties in the midst of developments in the banking industry, as well as being an
added value for Hana Bank in business competition in the banking sector.
Kesetaraan Gender Bank senantiasa memperlakukan setiap karyawan secara adil tanpa mengutamakan
Gender Equality jenis kelamin tertentu.
The Bank always treats every employee fairly without prioritizing a particular gender.
Inklusi Keuangan dan Berbagai kegiatan tanggung jawab sosial yang mencakup literasi dan inklusi
Pengembangan Masyarakat keuangan dilakukan guna meningkatkan pemahaman masyarakat terhadap
Community layanan perbankan yang pada akhirnya akan meningkatkan kesejahteraan sosial
Development and ekonominya.
Finance Inclusion
Various social responsibility activities that include financial literacy and inclusion
are carried out to increase public comprehension of banking services, which will
ultimately improve their socioeconomic welfare.
Aspek Lingkungan
Environmental Aspect
Energi dan Sumber Daya Sebagian besar kegiatan operasional Bank dijalankan dengan menggunakan energi
Energy and Resources dan sumber daya yang cukup besar sehingga memerlukan pengelolaan secara
bertanggung jawab guna meminimalkan dampak negatif terhadap lingkungan.
Most of the Bank’s operational activities are carried out using quite large amounts
of energy and resources that require responsible management to minimize the
negative impacts on the environment.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 9
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Ikhtisar Kinerja Keberlanjutan Sustainability Performance Overview
Page 13
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Ikhtisar Aspek Keberlanjutan
Overview of Sustainability Aspects
ASPEK EKONOMI [B.1] / ECONOMIC ASPECT [B.1]
Rp
Pendapatan Operasional Laba Bersih Kredit
Operating Income Net Income Loan
2023 231.303 2023 453.209 2023 33.339.377
2022 217.056 2022 457.594 2022 31.634.696
2021 284.988 2021 358.243 2021 28.481.071
naik 6,5% dari tahun sebelumnya turun 0,96% dari tahun sebelumnya naik 5,39% dari tahun sebelumnya
up 6.5% from previous year down 0.96% previous year up 5.39% from previous year
Total Pembiayaan Kegiatan Total Kredit/Pembiayaan
Usaha Berkelanjutan Kegiatan Usaha Berkelanjutan
Total Financing of Sustainable terhadap Total Kredit Bank
Business Activities Total loans/financing of
sustainable business activities
to total loans of the Bank
2023 4.770.083 2023 14,28%
2022 3.311.429 2022 10,14%
2021 6.512.725 2021 22,23%
naik 44,05% dari tahun sebelumnya naik 40,83% dari tahun sebelumnya
up 44.05% from previous year up 40.83%from previous year
12 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
ASPEK LINGKUNGAN [B.2] / ENVIRONMENTAL ASPECT [B.2]
Penggunaan Energi Emisi yang Dihasilkan
Energy Usage Emissions Generated
2023 8.758,37 GJ 2023 1.736,54 Ton CO2-eq
2022 23.854,56 GJ 2022 4.388,50 Ton CO2-eq
2021 23.483,08 GJ 2021 4.425,76 Ton CO2-eq
turun 63,28% dari tahun sebelumnya turun 60,43% dari tahun sebelumnya
down 63.28% from previous year down 60.43% from previous year
Penggunaan Air Penggunaan Kertas
Water Usage Paper Usage
2023 12.002 m3 2023 12.745 kg
2022 15.950 m3 2022 13.516 kg
2021 19.649 m3 2021 12.634 kg
turun 24,75% dari tahun sebelumnya turun 5,70% dari tahun sebelumnya
down 24.75% from previous year down 5.70% from previous year
ASPEK SOSIAL [B.3] / SOCIAL ASPECT [B.3]
Jumlah Karyawan Rata-rata Hari Pelatihan Per Karyawan
Total Employees Average Training Days Per Employee
2023 1.133 orang/people 2023 3,18 hari/days
2022 1.097 orang/people 2022 2,19 hari/days
2021 1.033 orang/people 2021 1,89 hari/days
naik 3,28% dari tahun sebelumnya naik 45,21% dari tahun sebelumnya
up 3.28% from previous year up 45.21% from previous year
Realisasi Dana Pendidikan Karyawan Total Dana Kegiatan CSR
Realization of Employee Education Fund Total CSR Activity Funds
2023 11.409 2023 Rp1,55 miliar/billion
2022 14.384 2022 Rp1,12 miliar/billion
2021 5.962 2021 Rp633 juta/million
turun 20,68% dari tahun sebelumnya naik 38,92% dari tahun sebelumnya
down 20.68% from previous year up 38.92% from previous year
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 13
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Penghargaan dan Sertifikasi
Award and Certification
Penghargaan
Awards
1 2 3 4
PT BANK KEB HANA INDONESIA
BANK TERBAIK 2023
KBMI 2 : (MODAL INTI > RP 6 T - RP 14 T)
4 6 7 8
Tanggal Perolehan Nama Penghargaan Penyelenggara
No.
Date Obtained Name of Award Organizer
1. 12 April 2023 12th Digital Brand Awards 2023 - The Best Infobank & Isentia
12 April 2023 Bank with Digital Service KBMI 2
2. 12 April 2023 12th Digital Brand Awards 2023 - The Highest Infobank & Isentia
12 April 2023 Digital Index Bank
3. 26 Mei 2023 Bank Terbaik 2023 KBMI 2: Investor Daily(B-Universe)
26 May 2023 (Modal Inti > Rp6 T – Rp14 T)
Best Bank 2023 KBMI 2:
(Core Capital > Rp6 T – Rp14 T)
4. 20 Juni 2023 The 1st Best in Service Excellence Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
5. 20 Juni 2023 The 1st Best in Opening Account via Mobile Infobank & Marketing Research
20 June 2023 Application Mobile Browser Indonesia (MRI)
6. 20 Juni 2023 The 1st Best in Website Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
7. 20 Juni 2023 The 2nd Best in Call Center Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
8. 20 Juni 2023 The 2nd Best in Social Media Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
9. 20 Juni 2023 The 2nd Best in E-mail Service Infobank & Marketing Research
20 June 2023 Indonesia (MRI)
10 3 Juli 2023 Best Company to Work For in Asia HR Asia
3 July 2023
14 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
9 10 11 12 13
PT BANK KEB HANA INDONESIA (LINE BANK)
Best Brand Image in Digital Bank Category
14 15 16 17 18
2023 2023
DIGITAL
DIGITAL FINANCIAL
FINANCIAL EXCELLENCE
EXCELLENCE AWARDS
AWARDS
DIGITAL FINANCIAL DIGITAL FINANCIAL
EXCELLENCE AWARDS 2023 EXCELLENCE AWARDS 2023
CERTIFICATE
THIS CERTIFICATE IS PROUDLY PRESENTED TO
CERTIFICATE
THIS CERTIFICATE IS PROUDLY PRESENTED TO
PT Bank KEB Hana Indonesia PT Bank KEB Hana Indonesia
Bank Swasta non-Tbk. Bank Devisa - KBMI 2 (Modal Inti 6 Triliun s/d Rp14 Triliun)
1. Keterlibatan Pelanggan (Customer Engagement) 1. Keterlibatan Pelanggan (Customer Engagement)
2. Pengalaman Pelanggan (Customer Experience) 2. Pengalaman Pelanggan (Customer Experience)
3. Kepercayaan & Persepsi Pelanggan (Customer Trust & Perception) 3. Kepercayaan & Persepsi Pelanggan (Customer Trust & Perception)
4. Wawasan Pelanggan (Customer Insight) 4. Wawasan Pelanggan (Customer Insight)
5. Pelanggan dengan Disabilitas (Customer with Disabilities) 5. Pelanggan dengan Disabilitas (Customer with Disabilities)
Jakarta, 19 Desember 2023 Jakarta, 19 Desember 2023
MUCHAROR DJALIL MUCHAROR DJALIL
CEO MEDIA ASURANSI CEO MEDIA ASURANSI
Tanggal Perolehan Nama Penghargaan Penyelenggara
No.
Date Obtained Name of Award Organizer
11. 3 Juli 2023 Most Caring Company HR Asia
3 July 2023
12 16 Oktober 2023 US Dollar Payments Straight Through Citibank
16 October 2023 Processing (STP) Excellence Award
13. 27 November 2023 Best Brand Image in Digital Bank The Iconomics
27 November 2023
14. 29 November 2023 Best Digital Finance 2023 for Supporting Warta Ekonomi
29 November 2023 Customers' Daily Lifestyles Through
Innovative Features (Category: KBMI 2,
Private Bank)
15. 8 Desember 2023 Indonesia IT Award-V-2023 - The Best IT for Economic Review
8 December 2023 Bank Company 2023 Peringkat Platinum
(A) Very Excellent
16. 14 Desember 2023 Indonesia IT Award-V-2023 - The Best IT for Investortrust
14 December 2023 Bank Company 2023 Peringkat Platinum
(A) Very Excellent
17. 19 Desember 2023 Digital Banking Awards 2023 – Pemenang Media Asuransi
19 December 2023 Kategori KBMI 2 untuk Dimensi
Manajemen Risiko
Digital Banking Awards 2023 – Winner in
KBMI 2 Category for Risk Management
Dimension
18. 19 Desember 2023 Digital Financial Excellence Award 2023 - Media Asuransi
19 December 2023 Peringkat 3 Kategori Bank Devisa KBMI 2
Digital Financial Excellence Award 2023 –
3rd Rank in KBMI 2 Foreign Exchange Bank
Category
Sertifikasi
Certification
Tanggal Perolehan Sertifikasi Pemberi
No.
Date Obtained Certification Issuer
1. 9 Agustus 2023 ISO/IEC 27001:2013 British Standards Institute
9 August 2023
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 15
Page 18
Profil Perusahaan Company Profile
Page 19
Page 20
Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Sekilas Bank Hana
Hana Bank at a Glance
PT Bank KEB Hana Indonesia
BIDANG USAHA TANGGAL PENDIRIAN
Line of Business Date of Establishment
Bank Umum 27 April 1971
Commercial Bank 27 April 1971
KODE BANK KODE SWIFT
Bank Code Swift Code
HNBNIDJA
484
KEPEMILIKAN SAHAM [C.3]
Share Ownership
100%
KEB Hana Bank, Korea: 69,010%
LINE Financial Corporation: 20,000%
International Finance Corporation: 9,980%
Biantoro Setijo: 0,460%
Ludijanto Setijo: 0,300%
Lilana Gani: 0,125%
Lilik Setijo: 0,125%
STATUS PERUSAHAAN
Company’s Status
Perseroan Terbatas Tertutup yang Menjual Obligasi
Private Limited Liability Company Selling Bonds
ALAMAT PERUSAHAAN [C.2]
Company’s Address
Mangkuluhur City Tower One Lt. 11
Jl. Jenderal Gatot Subroto Kav. 1-3 Jakarta Selatan, 12930
(+6221) 5081 1111
(+6221) 5081 1123
corp.info@hanabank.co.id
www.hanabank.co.id
hanabank.id Hana Bank Indonesia Hana Bank Indonesia hanabank.id PT Bank KEB Hana Indonesia
18 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
JARINGAN PERUSAHAAN TOTAL KARYAWAN
Company’s Network Employees
Bank Umum
1.133
Commercial Bank
39 Kantor Layanan di Seluruh Indonesia
Branch Offices throughout Indonesia
Orang pada tahun 2023
people in 2023
INFORMASI PERUBAHAN NAMA [C.6]
Information on Changes of Name
• Perubahan Pertama: Surat Keputusan Menteri MODAL DASAR
Keuangan Republik Indonesia No. 1306/KMK.013/1989 Authorized Capital
tanggal 30 November 1989 tentang Pemberian Izin Rp4.600.000.000.000
Usaha Peningkatan Status PT Bank Pasar Pagi Madju
menjadi Bank Umum dengan Nama PT Bank Bintang
Manunggal di Jakarta;
• Perubahan Kedua: Surat Keputusan Gubernur Bank
MODAL DITEMPATKAN DAN DISETOR PENUH
Indonesia No. 10/20/KEP.GBI/2008 tanggal 18 Maret
Issued and Fully Paid-up Captal
2008 tentang Perubahan Izin Usaha Atas Nama PT
Bank Bintang Manunggal menjadi Izin Usaha Atas Rp3.160.092.563.000
Nama PT Bank Hana;
• Keputusan Dewan Komisioner Otoritas Jasa Keuangan
No. 6/KDK.03/2014 tanggal 11 Februari 2014 tentang
Pemberian Izin Penggabungan Usaha (Merger) PT
Bank KEB Indonesia ke dalam PT Bank Hana; dan AKTA PENDIRIAN
• Perubahan Ketiga: Keputusan Dewan Komisioner Deed of Establishment
Otoritas Jasa Keuangan No. 13/KDK.03/2014 tanggal 27 Akta No. 25 tanggal 27 April 1971 oleh Notaris Andjar
Juni 2014 tentang Penetapan Penggunaan Izin Usaha Djarkasih, pengganti dari Notaris Soedjono, di Jakarta.
Atas Nama PT Bank Hana menjadi Izin Usaha Atas Deed No. 25 dated 27 April 1971 by Notary Andjar
Nama PT Bank KEB Hana Indonesia. Djarkasih, a substitute for Notary Soedjono, di Jakarta.
• First Change of Name: Decree of Minister of Finance
of the Republic of No. 1306/KMK.013/1989 dated 30
November 1989 on Business Licence Issuance of
Status Improvement of PT Bank Pasar Pagi Madju to a JARINGAN ATM
Commercial Bank under the name of PT Bank Bintang ATM ATM Network
Manunggal in Jakarta;
• Second Change of Name: Decision Letter of the
Governor of Bank Indonesia No. 10/20/KEP.GBI/2008 ATM Bank Hana
169
dated 18 March 2008 on Change of Business Licence
ATM and CRM
Under the Name of PT Bank Bintang Manunggal to
Business Licence Under the Name of PT Hana Bank;
• The Decision of the Board of Commissoner of the
Financial Services Authority No. 6/KDK.03/2014 dated 11
Februari 2014 on Issuance of the authorisation for the ATM Prima
>97.000
merger of PT Bank KEB Indonesia into PT Hana Bank; ATM
and
• Third Change of Name: The Decision of the Board
of Commissioner of the Financial Services Authority
No. 13/KDK.03/2014 dated 27 June 2014 on the ATM Bersama
>81.505
Determination of the Use of Business Licence in the
Name of PT Bank Hana into a Business Licence in the ATM and CRM
Name of PT Bank KEB Hana Indonesia.
PERINGKAT
Rating
PT Fitch Ratings Indonesia
• National Long-Term Rating AAA (idn) Tahun 2023
• National Short -Term Rating F1+ (idn) Tahun 2023
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 19
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Visi, Misi, dan Nilai-Nilai Perusahaan [C.1]
Corporate Vision, Mission, and Values [C.1]
VISI “Menjadi Mitra Seumur Hidup
dengan Menyediakan Solusi
Keuangan Terintegrasi bagi
MISI “Tumbuh Bersama, Berbagi
Kebahagiaan.”
Vision Nasabah & Menciptakan Mission “Growing Together, Sharing
Nilai-nilai bagi Pemangku Happiness”
Kepentingan.”
“Being Lifelong Partner by
Providing Integrated Financial
Solution and Creating Value
for Our Stakeholders”
Nilai-Nilai Perusahaan
Corporate Values
Integrity & Autonomy Transparency
Morality
Melakukan hal yang benar Setiap individu Terbuka dan berterus
meskipun tanpa diawasi. diberdayakan untuk terang terhadap beragam
Jujur dan profesional, memiliki rasa kepemilikan informasi perusahaan.
bertanggung jawab, serta atas pekerjaannya masing-
menjunjung tinggi standar masing. Berinisiatif dan Being open and
moral dan etika. senantiasa melakukan straightforward about
perbaikan. various company
Do what is right even information.
when no one is looking. Everyone is empowered
Honest and professional, to take ownership of their
responsible, and hold high works. Take initiatives,
the moral and and do continuous
ethical standards. improvement.
20 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Accountability Fairness & Equality
Individu akan dievaluasi Menghormati dan
kinerjanya atau sikapnya menghargai orang lain dari
sesuai dengan tanggung berbagai latar belakang.
jawabnya masing-masing.
Respect and value people
Individuals will be evaluated from different backgrounds.
on their performance or
attitude in accordance
with their respective
responsibilities.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 21
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Visi dan Misi Keberlanjutan [C.1]
Sustainability Vision and Mission [C.1]
VISI MISI
KEBERLANJUTAN KEBERLANJUTAN
Sustainability Vision Sustainability Mission
Menjadi Bank terbaik yang berfokus Memberikan pelayanan perbankan
pada nasabah dan keuangan yang cepat, nyaman, dan
berkelanjutan di Indonesia. berorientasi kepada kepuasan
nasabah serta memiliki komitmen
To be the best Bank focusing on
yang tinggi dalam penerapan
customers and sustainable finance
keuangan berkelanjutan di
in Indonesia.
Indonesia.
To provide fast, convinient, and
customer-satisfaction-oriented
banking services as well as to have
high commitment to sustainable
finance implementation in Indonesia
NILAI KEBERLANJUTAN SUSTAINABILITY VALUES
Kontribusi Bank Hana dalam upaya pencapaian Hana Bank’s contribution to Indonesia’s efforts to
tujuan pembangunan berkelanjutan di achieve sustainable development goals is carried
Indonesia dilaksanakan melalui strategi utama, out through its main strategy, which is to increase
yaitu peningkatan pertumbuhan portofolio financing portfolio growth in accordance with
pembiayaan yang sesuai dengan prinsip keuangan sustainable finance principles, supplemented by
berkelanjutan, disertai dengan pengembangan the continuous development of internal Human
kompetensi dan kapasitas SDM internal secara Resources competence and capacity, as well as the
berkesinambungan serta penerapan aspek sosial incorporation of social and environmental aspects
dan lingkungan hidup ke dalam pengelolaan into risk management.
risiko.
22 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Skala Perusahaan [C.3]
Company Scale [C.1]
Uraian Satuan
2023 2022 2021
Description Unit
Aspek Keuangan
Financial Aspects
Pendapatan Bunga – Neto Rp Juta 1.724.187 1.796.113 1.553.864
Interest Income – Net Million Rp
Pendapatan Bunga 3.043.034 2.506.093 2.361.716
Interest Income
Beban Bunga (1.318.847) (709.980) (807.852)
Interest Expense
Pendapatan Operasional Lainnya 231.303 217.056 284.988
Other Operating Income
Laba Bersih 453.209 457.594 358.243
Net Income
Total Aset 46.883.866 46.699.415 43.267.167
Total Assets
Total Liabilitas 35.820.423 36.087.861 33.017.908
Total Liabilities
Total Ekuitas 11.063.443 10.611.554 10.249.259
Total Equity
Aspek Operasional
Operational Aspects
Jaringan Kantor Unit 39 41 47
Office Network
Kantor Pusat 1 1 1
Head Office
Kantor Cabang (KC) 14 15 15
Branch Offices
Kantor Cabang Pembantu (KCP) 24 25 28
Sub-Branch Offices
Kantor Kas (KK) - - 3
Cash Offices
Total Karyawan Orang 1.133 1.097 1.033
Total Employees People
Jaringan ATM Unit 169 176 192
ATM Network
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 23
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Produk dan Jasa [C.4]
Product and Services [C.4]
PRODUK SIMPANAN Rp PRODUK BANCASSURANCE
SAVING PRODUCT BANCASSURANCE PRODUCT
• Hana Savings;
• Hana Future Savings; Produk yang dikerjasamakan dengan:
• Hana Giro; • PT Asuransi Allianz Life Insurance;
• Deposito Berjangka; dan • PT Hanwha Life Insurance Indonesia; dan
• Hana Junior Savings. • PT Asuransi Simas Jiwa.
• Hana Savings; Bancassurance product in cooperation with:
• Hana Future Savings; • PT Asuransi Allianz Life Insurance;
• Hana Giro; • PT Hanwha Life Insurance Indonesia; and
• Deposito Berjangka; and • PT Asuransi Simas Jiwa.
• Hana Junior Savings.
PRODUK REKSA DANA Rp
PRODUK PINJAMAN MUTUAL FUND PRODUCT
LOAN PRODUCT • Reksa Dana Pasar Uang;
• Kredit Tanpa Agunan (KTA); • Reksa Dana Pendapatan Tetap;
• Kredit Pemilikan Rumah (KPR); • Reksa Dana Perimbangan; dan
• E-Ar Loan (E-Ar Financing); • Equity Fund.
• Kredit Modal Kerja;
• Kredit Investasi; • Money Market Fund;
• Syndication Loan; dan • Fixed Income Fund;
• Club DealLoan. • Balanced Fund; and
• Equity Fund.
• Unsecured Loan
• Home Mortgage (KPR);
• E-Ar Loan (E-Ar Financing);
• Working Capital Credit;
• Investment Credit; PRODUK OBLIGASI
• Syndication Loan; and BOND PRODUCTS
• Club DealLoan. Obligasi Negara Republik Indonesia,
dengan jenis:
• Denominasi Rupiah (IDR); dan
• Denominasi Dollar (USD).
FUND MANAGER Government Bonds of the Republic of Indonesia,
FUND MANAGER Rp with the following types :
• PT Batavia Prosperindo Aset Manajemen; • Rupiah Denomination (IDR); and
• Schroder Investment Management Indonesia; • Dollar (USD) Denomination.
• Mandiri Manajemen Investasi;
• PT Allianz Global Investor Asset Management
Indonesia;
• Manulife Aset Manajemen Indonesia;
• PT Shinhan Asset Management Indonesia; dan
• PT Ashmore Asset Management Indonesia.
• PT Batavia Prosperindo Aset Manajemen;
• Schroder Investment Management Indonesia;
• Mandiri Manajemen Investasi;
• PT Allianz Global Investor Asset Management
Indonesia;
• Manulife Aset Manajemen Indonesia;
• PT Shinhan Asset Management Indonesia; and
• PT Ashmore Asset Management Indonesia.
24 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
PRODUK/JASA TREASURY LAYANAN E-CHANNEL
TREASURY PRODUCT/SERVICE Rp E-CHANNEL SERVICE
• Telegraphic Transfer (GBP/USD, • Internet Banking;
EUR/USD, AUD/USD, USD/JPY, USD/HKD, • Mobile Banking; dan
USD/SGD, USD/KRW, USD/CNY, dan USD/IDR); • LINE Bank by Hana Bank.
• Penjualan Valuta Asing (KRW dan USD);
• Currency Forward; • Internet Banking;
• Currency Swap; • Mobile Banking; and
• Obligasi Subordinasi IDR dan USD; • LINE Bank by Hana Bank.
• Negotiable Certificate of Deposite (NCD); dan
• Medium Term Notes (MTN).
• Telegraphic Transfer (GBP/USD, EUR/USD, AUD/
USD, USD/JPY, USD/HKD, USD/SGD, USD/KRW, KARTU DEBIT
USD/CNY, and USD/IDR); DEBIT CARD
• Foreign Exchange Sales (KRW and USD); • Kartu Debit Bank Hana berlogo Visa;
• Currency Forward; • Kartu Debit Bank Hana berlogo Gerbang
• Currency Swap; Pembayaran Nasional (GPN); dan
• Subordinated Bond IDR and USD; • Kartu Debit Prioritas Bank Hana.
• Negotiable Certificate of Deposite (NCD); and
• Medium Term Notes (MTN). • Hana Bank Debit Card with Visa logo;
• Hana Bank Debit Card with Gerbang
Pembayaran Nasional (GPN) logo; and
• Hana Bank Priority Banking Debit Card.
TRUST & CUSTODY
TRUST & CUSTODY
• Core Custody (Account Management,
Settlements, Safekeeping, Corporate Action, LAYANAN LAINNYA
Income Collection); OTHER SERVICES
• Fund Services (Fund Accounting, Transfer • Bank Hana Priority Banking;
Agency); dan • Kas Keliling;
• Escrow Agent. • ATM Keliling;
• Pembayaran Tagihan;
• Core Custody (Account Management, • Mesin EDC; dan
Settlements, Safekeeping, Corporate Action, • Safe Deposit Box.
Income Collection);
• Fund Services (Fund Accounting, Transfer • Hana Bank Priority Banking;
Agency); and • Mobile Cash;
• Escrow Agent. • Mobile ATM;
• Bill Payment;
• EDC Machine; and
• Safe Deposit Box.
JASA TRADE
TRADE SERVICE
• Sight and Usance LC/SKBDN;
• UPAS LC;
• Trust Receipt;
• Transferable LC;
• Shipping Guarantee;
• Bank Garansi; dan
• Negosiasi Dokumen LC.
• Sight and Usance LC/SKBDN;
• UPAS LC;
• Trust Receipt;
• Transferable LC;
• Shipping Guarantee;
• Bank Guarantee; and
• Negosiasi Dokumen LC.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 25
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
LINE Bank by Hana Bank Luncurkan Kartu Debit dengan Karakter BT21
“memberikan berbagai keuntungan guna mendukung gaya hidup keseharian
mereka yang aktif secara sosial dan terdigitalisasi.”
LINE Bank by Hana Bank Launch New Debit Card with BT21
“created to provide various benefits to support their socially active and
digitalized daily lifestyle.”
LINE Bank by Hana Bank (LINE Bank) merupakan LINE Bank by Hana Bank (LINE Bank) is a digital
perbankan digital yang menyediakan produk bank that provides financial products and financial
keuangan dan layanan financial technology (fintech) technology (fintech) services that are tailored to the
yang disesuaikan dengan kebutuhan dan kepentingan needs and for the benefit of customers. By the end of
nasabah. Hingga akhir tahun 2023, pengguna LINE 2023, LINE Bank’s user base have reached more than
Bank telah mencapai lebih dari 800 ribu nasabah. 800,000 customers.
Pada tahun 2023, LINE Bank meluncurkan kartu debit In 2023, LINE Bank launched the LINE Bank debit
LINE Bank dengan desain spesial, yakni karakter BT21 card with a special design, the BT21 character, which
di mana kartu ini dilengkapi dengan fitur contactless is equipped with a contactless feature that provides
yang memberikan kemudahan dalam bertransaksi convenience in transactions both at home and
baik di dalam dan luar negeri. Inovasi ini selaras dengan abroad. This innovation is in line with the lifestyle of
gaya hidup generasi muda, khususnya Generasi Z dan the younger generation, especially Generation Z and
Milenial, yang menjadi target pasar LINE Bank. Selain Millennials, who are LINE Bank’s target market. In
itu, berbagai promo menarik juga ditawarkan khusus addition, various attractive promotions are also offered
bagi pemegang kartu Debit BT21. specifically for BT21 debit card holders.
Mengusung tujuan sebagai #BestieAndalan, LINE With regards to the Bank’s target as a #BestieAndalan,
Bank diharapkan menjadi mitra untuk Generasi Z LINE Bank is expected to be a partner for Generation
dan Milenial yang memegang kendali atas hidup Z and Millennials who are in control of their lives,
mereka. Khususnya dalam pengelolaan keuangan. especially in managing their finances. Therefore, LINE
Karena itu, LINE Bank menyediakan beragam fitur Bank provides a variety of features that enable users to
yang mendukung para pengguna mengendalikan control their financial activities from the palm of their
aktivitas keuangannya dalam genggaman. Dari hands. From payment features via QRIS to 40 payment
fitur pembayaran melalui QRIS hingga 40 mitra partners: e-Wallet top-ups, utility payments, ticket
pembayaran: mulai dari pengisian e-Wallet, purchases, insurance payments, credit card payments,
pembayaran utilitas, pembelian tiket, pembayaran and zakat payments.
asuransi, pembayaran kartu kredit, dan pembayaran
zakat.
Keunggulan lainnya berupa produk pinjaman dengan Other advantages include loan products with a limit of
limit hingga Rp300 juta yang dilengkapi dengan fitur up to Rp300 million equipped with a credit limit check
cek kredit limit, keuntungan bebas biaya admin dan feature, the benefits of free admin and provision fees,
provisi, dan pencairan pinjaman kapan saja. Selain itu, and loan disbursement at any time. In addition, users
bagi pengguna yang memiliki histori kredit yang baik, who have a good credit history have the opportunity to
berpeluang mendapatkan kenaikan limit pinjaman. get an increase in their loan limit.
26 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Keanggotaan Asosiasi [C.5]
Membership in Association [C.5]
Nama Asosiasi Skala Asosiasi Posisi Bank
Name of Association Scope of Association Bank’s Position
Perhimpunan Bank Nasional (PERBANAS) Nasional Anggota
National Member
Asosiasi Emiten Indonesia (AEI) Nasional Anggota*
National Member
Asosiasi Bank Kustodian Indonesia (ABKI) Nasional Anggota
National Member
Indonesia Corporate Secretary Association (ICSA) Nasional Anggota
National Member
Forum Komunikasi Direktur Kepatuhan Perbankan Nasional Anggota
(FKPDKP) National Member
Asosiasi Bank Agen Penjual Efek Reksa Dana Indonesia Nasional Anggota
(ABAPERDI) National Member
ACI Financial Market Association (ACI FMA) Nasional Anggota
National Member
Asosiasi Sistem Pembayaran Indonesia (ASPI) Nasional Anggota
National Member
Security Investor Protection Fund (SIPF) / PT Nasional Anggota
Penyelenggara Program Perlindungan Investor Efek National Member
Indonesia
Lembaga Alternatif Penyelesaian Sengketa Jasa Keuangan Nasional Anggota
(LAPS SJK) National Member
Asosiasi SWIFT Indonesia Nasional Anggota
National Member
Forum Komunikasi Direktur Operasional Perbankan Nasional Anggota
(FKPDOP) National Member
International Chamber of Commerce (ICC) Indonesia Nasional Anggota
National Member
Keterangan | Note:
* PT Bank KEB Hana Indonesia telah melakukan pelunasan obligasi pada tanggal 21 Desember 2023. Sehubungan dengan hal tersebut,
PT Bank KEB Hana Indonesia efektif mengundurkan diri dari keanggotaan AEI sejak tanggal 21 Desember 2023.
PT Bank KEB Hana Indonesia has repaid the bonds on December 21, 2023. In line with this, PT Bank KEB Hana Indonesia effectively
resigned from AEI membership since December 21, 2023.
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Wilayah Operasional [C.3]
Operational Areas [C.3]
Total Kantor Cabang dan
Anjungan Tunai Mandiri
Total Branch Offices and
Automated Teller Machines
39
Kantor Cabang
169
Anjungan Tunai Mandiri (ATM)
Branch Offices Automated Teller Machines (ATM)
Kantor Cabang ATM On-Site
14 Branch Offices 57 ATM On-Site
Kantor Cabang Pembantu ATM Off-Site
24 Sub-branch Office 106 ATM Off-Site
Unit Mobil Kas Keliling Layanan ATM Keliling
1 Mobile Cash Car Unit 6 Mobile ATM Service
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 29
Page 32
Sambutan Direksi [D.1] Board of Directors’ Greeting [D.1]
Page 33
Keuangan berkelanjutan menjadi perhatian utama bagi manajemen PT Bank KEB Hana Indonesia untuk berkontribusi dalam mendorong praktik keberlanjutan yang didasari pada prinsip Environment, Social, dan Governance (ESG). Tahun 2023 menjadi tahun yang positif bagi kami karena mampu mencatatkan kinerja keberlanjutan yang meningkat dibanding tahun sebelumnya. The management of PT Bank KEB Hana Indonesia is very concerned about sustainable finance because it can help promote sustainable practices that are grounded in Environment, Social, and Governance (ESG) principles. 2023 was a good year for us because we were able to record better sustainability performance than we did in the previous year.
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Sambutan Direksi [D.1]
Board of Directors’ Greeting [D.1]
Jong Jin Park
Direktur Utama
President Director
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Pemangku Kepentingan yang Terhormat,
Dear Esteemed Stakeholders
Kondisi perekonomian global pada tahun In 2023, the state of the world economy remained
2023 masih diliputi ketidakpastian. Risiko dan uncertain. In addition to the dynamics of developed
ketidakpastian global ini dipicu dinamika negara- nations, which have an effect on the entire world,
negara maju yang berdampak ke global, selain geopolitical conditions that signal high risk also
itu juga ditambah kondisi geopolitik yang contribute to this global risk and uncertainty.
menunjukkan risiko tinggi. Meski demikian, Despite these threats, Indonesia continues to
Indonesia masih termasuk negara yang memiliki experience positive economic growth despite
kinerja pertumbuhan ekonomi yang positif di a number of global dynamics, including the
tengah berbagai dinamika global, ancaman resesi, possibility of a recession, political unpredictability,
ketidakpastian akibat tahun politik, dan ancaman- and other uncertainties.
ancaman lainnya.
Dengan pertumbuhan ekonomi positif yang dilalui The robust economic growth that Indonesia is
Indonesia, cukup memberikan dampak terhadap experiencing had a significant impact on Hana
kinerja Bank Hana pada tahun 2023. Kami Bank’s performance in 2023. We achieved good
mencatatkan kinerja keberlanjutan pada aspek sustainability performance in economic, social,
ekonomi, sosial, dan lingkungan yang baik dan and environmental areas, which had an impact on
berdampak pada para pemangku kepentingan. stakeholders.
Komitmen dan Kebijakan Keberlanjutan Sustainability Commitment and Policy
Perbankan memiliki peran penting dalam Banking plays an important role in promoting
mendorong praktik keberlanjutan. Hal ini sustainable practices. This is a major concern for
menjadi perhatian utama bagi Manajemen the management of PT Bank KEB Hana Indonesia
PT Bank KEB Hana Indonesia (Hana Bank) (Hana Bank), as it contributes to the promotion
untuk berkontribusi dalam mendorong praktik of sustainable practices based on environmental,
keberlanjutan tersebut yang didasari pada prinsip social, and governance principles. We strive
environment, social, dan governance (ESG). Kami to run our banking business by integrating
berupaya menjalankan bisnis perbankan dengan the management of economic, social and
mengintegrasikan pengelolaan aspek ekonomi, environmental aspects in accordance with the
sosial, dan lingkungan yang sejalan dengan Sustainable Development Goals (SDGs).
Tujuan Pembangunan Berkelanjutan Sustainable
Development Goals (SDGs).
Bank Hana telah melakukan integrasi terhadap Hana Bank has been integrating environmental
aspek lingkungan hidup dan sosial dalam and social aspects into its business activities since
kegiatan usahanya sejak tahun 2019, sebagai 2019, as part of its commitment to implementing
wujud komitmen dalam menjalankan program the established Sustainable Financial Action Plan
Rencana Aksi Keuangan Berkelanjutan (RAKB) (RAKB) program, which is submitted annually to
yang telah ditetapkan yang disampaikan setiap the Financial Services Authority (OJK) at the same
tahun kepada Otoritas Jasa Keuangan (OJK) pada time as the Bank Business Plan.
waktu yang sama dengan penyampaian Rencana
Bisnis Bank (RBB) sebagai bagian dari RBB.
Berdasarkan RAKB tersebut, Bank berencana untuk Based on the RAKB, the Bank intends to implement
menjalankan tiga prioritas, yakni peningkatan three priorities, namely increasing exposure
eksposur pembiayaan yang tergolong kegiatan to financing classified as sustainable business
usaha berkelanjutan, pengembangan kapasitas activities, developing the Bank’s internal capacity
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
internal Bank terkait pemahaman risiko sosial for understanding social and environmental
dan lingkungan, dan penyempurnaan penerapan risks, and improving the implementation of the
environmental and social risk management system Environmental and Social Risk Management
(ESMS) dan exclusion list serta analisa industri. System (ESMS), exclusion list, and industry analysis.
Ketiga prioritas tersebut memiliki sejumlah These three priorities face a number of challenges,
tantangan yang dihadapi seperti mencari debitur including finding quality debtors whose loan risk
berkualitas yang secara risiko kredit tergolong is relatively low but still in line with the sustainable
rendah namun tetap sesuai dengan kategori usaha business category, increasing HR competency,
berkelanjutan, peningkatan kompetensi SDM, dan and implementing ESMS, which debtors still %
pelaksanaan ESMS yang pemahamannya masih understand very little about.
minim di kalangan debitur.
Meski demikian, kami terus berupaya However, we continue to work toward implementing
melaksanakan tiga prioritas tersebut dan these three priorities and conducting banking
menjalankan operasional perbankan yang ramah operations that are environmentally friendly and
lingkungan serta berdampak pada masyarakat have an impact on society and other stakeholders.
dan pemangku kepentingan lainnya.
Tata Kelola Penerapan Keuangan Berkelanjutan Governance for the implementation of
Sustainable Finance
Aspek tata kelola tentu menjadi aspek yang Governance is undoubtedly an important aspect
tak kalah penting dalam keberlanjutan. Dewan of sustainability. The Board of Commissioners
Komisaris dan Direksi berperan aktif dalam and the Board of Directors actively supervise,
melakukan pengawasan secara menyeluruh, conduct reviews, and provide input and approval
melakukan tinjauan, serta memberikan masukan to the Sustainable Financial Action Plan (RAKB). In
dan persetujuan terhadap Rencana Aksi addition, the Bank works with work units/divisions
Keuangan Berkelanjutan (RAKB). Selain itu, Bank such as the Business Unit and Loan Review to
juga melibatkan unit kerja/divisi, seperti Business implement environmental and social aspects of
Unit dan Credit Review untuk implementasi sustainable finance at the Bank. Sustainability
aspek lingkungan hidup dan sosial dalam competency development for employees and
keuangan berkelanjutan di Bank. Pengembangan management is also ongoing. This is done to
kompetensi keberlanjutan untuk karyawan improve the quality and effectiveness of the
dan manajemen juga terus dilanjutkan. Hal ini implementation of sustainable finance, as well
dilakukan untuk meningkatkan kualitas dan as to ensure that the implementation meets the
efektivitas pelaksanaan keuangan berkelanjutan, planned targets. In order to develop the Bank’s
serta capaian penerapannya dapat sesuai internal capacity for understanding social and
dengan target yang direncanakan. Dalam rangka environmental risks, the Bank hosted workshops/
pengembangan kapasitas intern Bank terhadap in-house training from external parties, namely
pemahaman risiko sosial dan lingkungan, di the Indonesian Banking Development Institute
tahun 2023 Bank telah melakukan workshop/in (LPPI), on the topics of Environmental, Social, and
house training dari pihak eksternal yaitu Lembaga Governance in 2023, which were attended by work
Pengembangan Perbankan Indonesia (LPPI) units from the Business Directorate and Loan
dengan topik ESG yang diikuti oleh unit kerja dari Directorate.
Direktorat Bisnis dan Direktorat Kredit.
Manajemen risiko juga menjadi aspek penting Risk management is also an important aspect
dalam menjalankan keuangan berkelanjutan. of sustainable finance. Banking businesses
Kegiatan bisnis perbankan tidak terlepas are inextricably linked to a variety of risks that
dari berbagai jenis risiko yang berpotensi can have negative consequences. Effective risk
menimbulkan dampak negatif. Pengelolaan risiko management is required for the Bank’s efforts to
yang efektif diperlukan sebagai upaya Bank untuk identify, measure, monitor, and control risks.
mengidentifikasi, mengukur, memantau, dan
mengendalikan risiko.
34 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Sebagai wujud komitmen tersebut, Bank telah As part of this commitment, the Bank has developed
menyusun kebijakan dan prosedur terkait policies and procedures for implementing
penerapan Manajemen Risiko Lingkungan Environmental and Social Risk Management
dan Sosial serta menerapkan ESMS. Hal ini System. This allows the Bank to more effectively
memungkinkan Bank mengelola dan memantau manage and monitor changes in its portfolio’s
dengan lebih baik atas perubahan dalam profil overall risk profile as well as environmental and
risiko keseluruhan dari portofolio yang dimiliki dan social impacts. This information can also be used
dampak bagi lingkungan dan sosial. Informasi ini to provide an internal report to management and
juga dapat digunakan untuk melaporkan secara stakeholders on overall environmental and social
internal kepada Manajemen dan pihak pemangku performance.
kepentingan tentang kinerja lingkungan dan
sosial secara keseluruhan.
Pencapaian Kinerja Keberlanjutan Sustainable Performance Achievement
Bank Hana selalu berupaya memberikan kinerja Hana Bank is always striving to provide the best
terbaik dalam menyediakan produk dan layanan. possible products and services. The Bank’s good
Dengan memiliki kinerja yang baik ditambah performance, combined with healthy economic
dengan pertumbuhan ekonomi yang sehat, growth, can benefit all stakeholders. In 2023, Hana
Bank dapat memberikan manfaat positif kepada Bank recorded good financial performance, with
seluruh pemangku kepentingan. Pada tahun total assets reaching Rp46.89, growing by 0.39%
2023, Bank Hana mencatat kinerja keuangan yang from the previous year, income reaching Rp231.30,
baik dengan total aset Rp46,89 tumbuh 0,39% dari growing by 6.56% from the previous year, and
tahun sebelumnya, pendapatan Rp231,30 tumbuh profit reaching Rp610.99, growing by 3.39% from
6,56% dari tahun sebelumnya, dan laba Rp610,99 the previous year.
tumbuh 3,39% dari tahun sebelumnya.
Terkait pembiayaan usaha berkelanjutan, Bank In terms of sustainable business financing, the
telah memberikan pembiayaan kepada beberapa Bank has financed several debtors in sectors
debitur dengan sektor-sektor terkait keuangan related to sustainable finance that have a positive
berkelanjutan yang memberi dampak positif social impact, such as MSMEs, the health sector,
terhadap aspek sosial antara lain, UMKM, sektor the education sector, and the financial institutions
kesehatan, sektor pendidikan dan sektor institusi sector (BPR and Venture Funds). In percentage
keuangan (BPR dan Dana Ventura). Secara terms, financing for sustainable business activities
persentase terjadi peningkatan pembiayaan increased by 45.6%, from Rp3.31 trillion to Rp4.82
kegiatan usaha berkelanjutan 45,6% dari Rp3,31 trillion, representing 14.24% of the total loan.
triliun menjadi Rp4,82 triliun, atau 14,24% dari total The majority of the loan is designated for MSME
kredit. Adapun porsi kredit terbesar untuk kegiatan activities, environmentally friendly transportation,
UMKM, transportasi ramah lingkungan, dan and sustainable water and wastewater
pengelolaan air dan air limbah yang berkelanjutan. management.
Dari sisi produk dan layanan, pada tahun 2023 Bank In terms of products and services, in 2023, Hana
Hana terus mengembangkan aplikasi MyHana Bank continued to develop the MyHana Mobile
Mobile Banking demi memenuhi kebutuhan Banking application to meet customers’ digital
layanan perbankan digital bagi nasabah, salah banking service needs, including the introduction
satunya dengan menghadirkan fitur transaksi of an electronic mutual fund transaction feature
reksa dana secara elektronik bernama Hana known as Hana AIdvisor. Hana Bank is Indonesia’s
AIdvisor. Bank Hana menjadi bank pertama di first bank to use the robo advisor feature to offer
Indonesia yang menggunakan fitur robo advisor customers new experiences when transacting
untuk memberikan pengalaman baru bagi mutual fund investment products. In the future,
nasabah dalam bertransaksi produk investasi we will continue to capitalize on the growth
reksa dana. Ke depan, kami akan terus menjaring potential of customers from various demographics,
potensi pertumbuhan nasabah dari berbagai particularly the younger generation.
kalangan, khususnya generasi muda.
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Selain kinerja ekonomi, kami turut memberikan In addition to economic performance, we provide
manfaat sosial kepada masyarakat melalui social benefits to the community through
kegiatan CSR yang difokuskan pada peningkatan CSR activities aimed at improving the quality
kualitas pendidikan, kesehatan, pemulihan of education, health, disaster recovery, and
bencana, dan kesejahteraan masyarakat. Adapun community welfare. The total funding for CSR
total pendanaan kegiatan CSR pada 2023 activities in 2023 reached Rp 1.55, a 38.9% increase
mencapai Rp1,55 meningkat 38,9% dari tahun over the previous year. In addition, we make
sebelumnya. Selain itu, kami juga melakukan various attempts to promote financial literacy
berbagai upaya dalam meningkatkan literasi dan and inclusion. Examples include introducing
inklusi keuangan. Seperti tentang Pengenalan Hana Bank and banking products, financial
Bank Hana dan Produk Perbankan, Pengelolaan management, and the advantages of using digital
Keuangan, hingga Manfaat Penggunaan Platform platforms for the general public and students.
Digital kepada masyarakat umum dan mahasiswa.
Dari sisi lingkungan, meskipun kegiatan From an environmental standpoint, even though
operasional perbankan tidak berdampak langsung banking operational activities have no direct
pada lingkungan, Bank Hana tetap berkomitmen impact on the environment, Hana Bank remains
untuk menjalankan kegiatan operasional committed to carrying out operational activities
dengan berupaya melakukan efisiensi energi, by making efforts to conserve energy, water, and
air, dan material lainnya. Implementasi green other resources. The establishment of a green
office menjadi salah satu wujud komitmen yang office is a form of commitment made by the Bank
dilaksanakan Bank dalam menjalankan kegiatan to carry out banking activities.
perbankan.
Kami senantiasa melakukan upaya-upaya We always make an effort to save energy by turning
penghematan energi dengan pemadaman off the lights when leaving the room and during
lampu pada saat meninggalkan ruangan dan breaks, alternately turning on the corridor lights,
jam istirahat, menyalakan lampu koridor secara and encouraging people to turn off electronic
bergantian, serta mengimbau untuk mematikan devices when they are finished with them. In 2023,
alat-alat elektronik setelah selesai digunakan. Pada Hana Bank’s total energy consumption reached
tahun 2023, total penggunaan energi Bank Hana 8,758.37 GJ, down 63.28% from the previous year.
mencapai 8.758,37 GJ atau turun 63.28% dari tahun Based on this energy use, emissions resulting from
sebelumnya. Dari penggunaan energi tersebut banking operational activities were found to reach
didapati emisi yang dihasilkan dari kegiatan 1,736.54 tons of CO2 Eq, a 60.43% decrease from
operasional perbankan mencapai 1.736,54 ton CO2 the previous year. The Bank is also attempting to
Eq, turun 60,43% dari tahun sebelumnya. Bank reduce paper usage by leveraging technological
juga berusaha mengurangi penggunaan kertas advancements through the MyHana Mobile
dengan memanfaatkan kemajuan teknologi Banking digital banking service.
melalui layanan perbankan digital MyHana Mobile
Banking.
Penutup Closing
Setelah melewati tahun 2023 dengan baik, Bank After successfully completing 2023, Hana Bank is
Hana siap menyambut tahun 2024 yang menjadi ready to welcome 2024, which will be a political
tahun politik di Indonesia. Pemilu 2024 akan year in Indonesia. The 2024 election will have a
memberikan dampak yang cukup besar bagi significant impact on the Indonesian economy
perekonomian Indonesia dan menjadi tantangan and pose a significant challenge; thus, Hana Bank
yang cukup signifikan, sehingga strategi dan will adopt the appropriate strategy and approach.
pendekatan yang tepat akan diambil oleh Bank
Hana untuk menghadapi hal tersebut.
36 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Sebagai penutup, kami mewakili Direksi dan Dewan In closing, on behalf of the Board of Directors and
Komisaris Bank Hana memberikan apresiasi dan Board of Commissioners of Hana Bank, we would
menyampaikan terima kasih sebesar-besarnya like to express our appreciation and deepest
kepada para pemangku kepentingan yang telah gratitude to all stakeholders who have supported
mendampingi dan memberikan masukan dalam and contributed to the Company’s sustainability
perjalanan keberlanjutan Perseroan. Keterlibatan, journey. Stakeholder involvement, support,
dukungan, kerja sama, dan kepercayaan yang cooperation, and trust are critical for the Bank’s
diberikan pemangku kepentingan sangat sustainable business development.
penting bagi perkembangan bisnis Bank yang
berkelanjutan.
Jakarta, April 2024
Atas Nama Direksi
On Behalf of the Board of Directors of
PT Bank KEB Hana Indonesia
Jong Jin Park
Direktur Utama
President Director
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 37
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Performance
Direksi
Board of Directors
Seong Hyeok Mun Jong Jin Park Ratna Ningsih
Direktur Keuangan Direktur Utama Direktur Kredi
FInance Director President Director Credit Director
38 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Bayu Wisnu Wardhana Geoffry Nugraha Sang Keun Kwak
Direktur Kepatuhan dan Legal Direktur Bisnis Direktur Teknologi Informasi
Compliance & Legal Director Business Director Information Technology Director
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 39
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Strategi Keberlanjutan [A.1] Sustainability Strategy [A.1]
Page 43
Kami berupaya menjalankan bisnis perbankan dengan mengintegrasikan pengelolaan aspek ekonomi, sosial, dan lingkungan yang sejalan dengan Tujuan Pembangunan Berkelanjutan atau (Sustainable Development Goals (SDGs)). We endeavor to conduct our banking business by integrating the management of economic, social, and environmental aspects in line with the Sustainable Development Goals (SDGs).
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
FOKUS KEBERLANJUTAN SUSTAINABILITY FOCUS
Sebagai lembaga jasa keuangan khususnya Hana Bank, as a financial services institution,
perbankan, Bank Hana memiliki komitmen especially in banking, is committed to managing
dalam mengelola kegiatan usaha perbankan banking business activities based on healthy
yang didasarkan pada tata kelola perusahaan and sustainable corporate governance. We focus
yang sehat dan berkelanjutan. Kami fokus dalam on pursuing organic growth with prudence
mengejar pertumbuhan organik dengan prinsip and sustainability principles. We endeavor to
kehati-hatian dan prinsip keberlanjutan. Kami conduct our banking business by integrating
berupaya menjalankan bisnis perbankan dengan the management of economic, social, and
mengintegrasikan pengelolaan aspek ekonomi, environmental aspects in line with the Sustainable
sosial, dan lingkungan yang sejalan dengan Development Goals (SDGs).
Tujuan Pembangunan Berkelanjutan (Sustainable
Development Goals (SDGs)).
Dalam menerapkan prinsip-prinsip keuangan Applying the principles of sustainable finance,
berkelanjutan, Bank Hana menerapkan Hana Bank applies environmental and social
manajemen risiko terhadap lingkungan hidup dan risk management to its financing activities and
sosial dalam mendukung aktivitas pembiayaan supports the improvement of financial inclusion
serta mendukung peningkatan inklusi keuangan so that it can become an agent of change in
sehingga dapat menjadi agen perubahan dalam creating and supporting the sustainability of
menciptakan dan mendukung keberlangsungan future generations in accordance with the bank’s
generasi mendatang sesuai dengan kapabilitas capabilities and capacities.
dan kapasitas yang dimiliki oleh Bank.
RENCANA AKSI KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE ACTION PLAN (RAKB)
(RAKB)
Bank Hana telah melakukan integrasi terhadap Hana Bank has integrated environmental and
aspek lingkungan hidup dan sosial dalam social aspects into its business activities since
kegiatan usahanya sejak tahun 2019, sebagai 2019, as a form of the Bank’s commitment to
wujud komitmen dalam menjalankan program carrying out the established Sustainable Finance
Rencana Aksi Keuangan Berkelanjutan (RAKB) Action Plan (RAKB) program, which is submitted
yang telah ditetapkan yang disampaikan setiap annually to the Financial Services Authority (OJK)
tahun kepada Otoritas Jasa Keuangan (OJK) pada at the same time as the submission of the Bank’s
waktu yang sama dengan penyampaian Rencana Business Plan (RBB) as part of the RBB.
Bisnis Bank (RBB) sebagai bagian dari RBB.
Dalam penyusunan RAKB, Bank mengacu kepada In preparing the RAKB, the Bank refers to POJK No.
POJK No.51/POJK.03/2017 serta Pedoman Teknis 51/POJK.03/2017 as well as the Technical Guidelines
Tentang Penerapan Keuangan Berkelanjutan Bagi on the Implementation of Sustainable Finance for
Lembaga Jasa Keuangan, Emiten, dan Perusahaan Financial Services Institutions, Issuers, and Public
Publik, Tujuan Pembangungan Berkelanjutan/ Companies, Sustainable Development Goals (SDG),
Sustainable Development Goals (SDG), Kebijakan Environmental and Social Risk Management
Penerapan Manajemen Risiko Lingkungan dan Implementation Policy, and best practices issued
Sosial serta best practices yang dikeluarkan oleh by the International Finance Corporation (IFC).
International Finance Corporation (IFC).
Strategi Utama
The Main Strategy
Peningkatan pertumbuhan portofolio pembiayaan Increasing the growth of the financing portfolio in
yang sesuai dengan prinsip keuangan berkelanjutan accordance with the principles of sustainable finance
yang disertai dengan pengembangan kompetensi is accompanied by the continuous development of the
dan kapasitas sumber daya manusia intern secara competence and capacity of internal human resources
berkesinambungan serta menerapkan aspek sosial dan and the implementation of social and environmental
lingkungan hidup ke dalam pengelolaan risiko. Hal ini aspects of risk management. This is in line with the
sejalan dengan komitmen dari parent company Hana commitment of the parent company, Hana Financial
Financial Group yang telah tergabung ke dalam Equator Group, which has joined the Equator Principle Banks.
Principle Banks.
42 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Bank telah menetapkan program kerja dan The Bank has set work programs and targets for
target RAKB, termasuk termasuk strategi untuk the RAKB, including strategies to realize the plans
merealisasikan rencana dan program kerja sesuai and work programs in accordance with the set
dengan target dan waktu yang di tetapkan dengan targets and time line while taking into account
tetap memperhatikan pemenuhan ketentuan the fulfillment of prudential provisions and the
kehati-hatian dan penerapan manajemen risiko. implementation of risk management. The plan
Rencana tersebut dijelaskan dalam periode jangka is described for a long-term period (five years),
panjang (lima tahun) yaitu tahun 2019 hingga namely 2019–2023, and a short-term plan (one
tahun 2023 serta rencana jangka pendek (satu year) for 2023.
tahun) tahun 2023.
Adapun upaya pencapaian target RAKB dilakukan The efforts to achieve RAKB objectives are carried
dengan pengelolaan beberapa faktor penentu out by managing several determinants of success,
keberhasilan, seperti: such as:
1. Strategi bisnis Bank, khususnya terkait 1. The Bank’s business strategy, particularly
penyaluran kredit kepada 12 kategori kegiatan related to lending to 12 categories of sustainable
usaha berkelanjutan; business activities;
2. Kapasitas organisasi; 2. Organisational capacity;
3. Kondisi keuangan dan kapasitas teknis; 3. Financial condition and technical capacity;
4. Kerja sama dengan pihak eksternal; 4. Cooperation with external parties;
5. Strategi komunikasi; 5. Communication strategy;
6. Sistem pemantauan, evaluasi, dan mitigasi; 6. Monitoring, evaluation and mitigation system;
serta and
7. Kebijakan pemerintah. 7. Government policy.
Berdasarkan ketentuan POJK No. 51/POJK.03/2107 Based on the provisions of POJK No. 51/
pasal 7 disebutkan bahwa prioritas yang dipilih POJK.03/2107 article 7, it is stated that the priorities
LJK mencakup paling sedikit: chosen by LJK include at least:
1. Pengembangan produk dan/atau jasa 1. Development of sustainable financial products
keuangan berkelanjutan termasuk and/or services including an increase in the
peningkatan portfolio pembiayaan, investasi financing portfolio, investment or placement
atau penempatan pada instrument keuangan in financial instruments or projects that are in
atau proyek yang sejalan dengan Penerapan line with the Implementation of Sustainable
Keuangan Berkelanjutan; Finance;
2. Pengembangan kapasitas intern LJK; atau 2. Development of internal capacity of LJK; or
3. Penyesuaian organisasi, manajemen risiko, tata 3. Adjustments to the organisation, risk
kelola, dan/atau standar prosedur operasional management, governance and/or standard
LJK yang sesuai dengan prinsip penerapan operating procedures of the Financial
keuangan berkelanjutan. Institution in accordance with the principles of
sustainable finance implementation.
Bank berencana untuk senantiasa menjalankan 3 The Bank plans to continue to implement the 3
(tiga) prioritas tersebut sesuai dengan ketentuan (three) priorities in accordance with applicable
yang berlaku. Berikut ini adalah progres ketiga regulations. The following is the progress of the
program prioritas pada tahun 2023. three priority programs in 2023.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 43
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Program Pertama
First Programme:
Peningkatan eksposur pembiayaan yang tergolong kategori kegiatan usaha berkelanjutan
Increased financing exposure classified as sustainable business activities
Target
Uraian Kegiatan Penanggung
Sumber Daya Periode Pencapaian Realisasi
Description of Jawab
Resources Period Achievement Realisation
Activities Responsible Unit
Target
Mengalokasikan Satuan Kerja Financial Satuan Kerja Januari- 2% dari Peningkatan
peningkatan Planning, Unit Bisnis, Business Support, Desember pertumbuhan kredit kategori
pertumbuhan kredit Satuan Kerja Business Unit kerja bisnis 2023 kredit tahunan usaha
tahun 2023 ke Performance & Analytic, (SME, Commercial atau diestimasi berkelanjutan
kategori kegiatan Satuan Kerja Credit & Corporate January- sebesar Rp40 sebesar 4.04%
usaha berkelanjutan Review Banking, Korean December miliar dari Rp3,31 triliun
yang sudah ada, Desk, Enterprise 2023 menjadi Rp4,77
khususnya kepada Financial Planning Banking) 2% of annual triliun. Diikuti
industri terkait Work Unit, Business loan growth or peningkatan
kesehatan, pendidikan Unit, Business Business Support estimated at Rp40 kredit UMKM
dan pembiayaan hijau Performance & Analytic Unit, Business billion sebesar 7.33%
lainnya Work Unit, Credit units (SME, dari Rp1,76 triliun
Review Work Unit Commercial menjadi Rp1,89
Allocate increased & Corporate triliun.
loan growth in 2023 to Banking, Korean
existing sustainable Desk, Enterprise The increase
business activity Banking) in sustainable
categories, particularly business category
to industries related to loans by 4.04%
health, education and from Rp3.31 trillion
other green financing to Rp4.77 trillion.
Followed by an
increase in MSME
loans by 7.33%
from Rp1.76 trillion
to Rp1.89 trillion.
Tantangan dan Rencana ke Depan:
Tantangan yang dihadapi oleh Bank adalah mencari debitur berkualitas yang secara risiko kredit tergolong rendah
namun tetap sesuai dengan kategori usaha berkelanjutan dari kondisi eksternal (resesi global dan situasi pasca-pandemi
COVID-19) dan kondisi internal Indonesia di tahun 2023.
Challenges and Future Plans:
The challenge for the Bank is to find quality borrowers who are low-risk but still fit into the sustainable business category,
given the external conditions (global recession and post-pandemic COVID-19 situation) and Indonesia's internal conditions
in 2023.
44 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Program Kedua
Second Programme:
Pengembangan kapasitas internal Bank terkait pemahaman risiko sosial dan lingkungan.
Development of the Bank's internal capacity related to awareness of social and environmental risks.
Target
Uraian Kegiatan Penanggung
Sumber Daya Periode Pencapaian Realisasi
Description of Jawab
Resources Period Achievement Realisation
Activities Responsible Unit
Target
Mengikuti program Semua unit terkait Divisi Learning Januari- Memberikan Bank telah
pelatihan yang dan penyedia training and Talent September workshop atau melakukan
sejalan dengan eksternal Development 2023 pelatihan terkait workshop inhouse
penerapan Keuangan lingkungan hidup training dari LPPI
Berkelanjutan All relevant units and Learning January- dan sosial kepada dengan topik
external training and Talent September pejabat Bank di Environment,
Participate in training Development 2023 kantor pusat dan Social &
programmes that Division kantor cabang Governance yang
are in line with the yang terkait diikuti unit kerja
implementation of dengan aktivitas dari Direktorat
Sustainable Finance perkreditan. Bisnis dan
Pelaksanaan Direktorat Kredit
workshop
atau pelatihan The Bank has
dapat dalam conducted an
bentuk tatap in-house training
muka maupun workshop from
e-learning LPPI on the topic
of environment,
Provide social, and
workshops or governance,
training related which was
to environmental attended by
and social issues work units from
to Bank officials the Business
at the head office Directorate and
and branch offices Credit Directorate.
related to lending
activities. The
implementation
of workshops or
training can be
in the form of
face-to-face or
e-learning
Tantangan dan Rencana Ke Depan:[E.5]
Challenges and Future Plans: [E.5]
Tantangan yang mungkin dihadapi Bank terkait pelatihan dan peningkatan kompetensi SDM adalah dalam hal pemilihan
pihak vendor/trainer yang tepat sesuai dengan kebutuhan Bank. Selain itu tantangan berikutnya adalah mengenai tingkat
efektivitas pelatihan tersebut terhadap peningkatan kompetensi SDM. Terhadap hal tersebut, Bank akan melakukan
evaluasi terhadap pelaksanaan pelatihan dan peningkatan kompetensi SDM secara berkala.
Challenges that may be faced by the Bank in relation to training and improving HR competencies are in terms of selecting
the right vendor or trainer in accordance with the Bank's needs. In addition, the next challenge is the effectiveness of
the training in improving HR competencies. Against this, the Bank will evaluate the implementation of training and the
improvement of HR competencies on a regular basis.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 45
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Program Ketiga
Third Programme:
Penyempurnaan penerapan Environmental and Social Risk Management System (ESMS) dan exclusion list serta analisa
industri.
Enhancement of Environmental and Social Risk Management System (ESMS) implementation and exclusion list as well as
industry analysis.
Target
Uraian Kegiatan Penanggung
Sumber Daya Periode Pencapaian Realisasi
Description of Jawab
Resources Period Achievement Realisation
Activities Responsible Unit
Target
Bekerja sama dengan Departemen Departemen Oktober- Terdapat hasil Bank telah
pihak ketiga yang Manajemen Risiko, Manajemen Desember kaji ulang menyusun dan
memiliki kompetensi Credit Reviewer, Risiko, Divisi 2023 atas kebijakan mengkinikan
dan pengalaman Business Unit, IFC, Learning dan prosedur kebijakan dan
di bidang ESMS, pihak ketiga penyedia and Talent ESMS yang prosedur ESMS,
antara lain kaji ulang jasa konsultasi Development disosialisasikan termasuk
metodologi ESMS, sustainability financing secara ketentuan yang
penyempurnaan Risk Management menyeluruh spesifik mengatur
kebijakan dan Risk Management Department, kepada unit kerja pembiayaan
prosedur ESMS, Department, Credit Learning terkait kepada industri
khususnya terkait Reviewer, Business and Talent kelapa sawit yang
pembiayaan kredit Unit, IFC, third Development There are results mengacu kepada
party consulting Division of the review of ketentuan OJK
Cooperate with service provider of ESMS policies and dan best practice
third parties who sustainability financing procedures that dari IFC selaku
have competence are thoroughly shareholder Bank.
and experience in socialised to
the field of ESMS, relevant work The Bank has
including reviewing units developed and
ESMS methodology, updated its
improving ESMS ESMS policies
policies and and procedures,
procedures, especially including specific
related to credit provisions
financing. governing
financing to the
palm oil industry
that refer to OJK
regulations and
best practices
from IFC as
the Bank's
shareholder.
Melanjutkan Departemen Departemen Januari- Unit kerja Tidak terdapat
penerapan Manajemen Risiko, Manajemen Risiko Desember terkait aktivitas pelanggaran
Environmental Credit Reviewer, 2023 perkreditan terhadap
and Social Risk Business Unit. Risk Management menerapkan ketentuan ESMS
Management System Department January- ESMS dalam sepanjang 2023
(ESMS) secara penuh Risk Management Desember aktivitas bisnisnya dan seluruh
oleh Bank. Department, Credit 2023 unit kerja terkait
Reviewer, Business Unit. Work units related perkreditan dinilai
Continue the full to credit activities telah aktif dalam
implementation of implement ESMS menjalankan
the Environmental in their business penerapan ESMS
and Social Risk activities
Management System There were no
(ESMS) by the Bank. violations of
ESMS provisions
throughout 2023
and all credit-
related work units
are considered to
have been active
in implementing
ESMS.
46 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Target
Uraian Kegiatan Penanggung
Sumber Daya Periode Pencapaian Realisasi
Description of Jawab
Resources Period Achievement Realisation
Activities Responsible Unit
Target
Melakukan analisa Departemen Departemen Januari- Telah dilakukan Terdapat 7 analisa
industri secara Manajemen Risiko Manajemen Risiko Desember sebanyak 6 industri yang
berkesinambungan 2023 (enam) kali telah dipaparkan
Risk Management Risk Management penilaian analisa kepada
Conduct industry Department Department January- industri Manajemen dan
analyses on an December pejabat eksekutif
ongoing basis 2023 6 (six) Bank
assessments have
been conducted There are 7
industry analyses
that have been
presented to
the Bank's
management and
executives.
Tantangan dan Rencana ke Depan: [E.5]
Challenges and Future Plans: [E.5]
Tantangan yang dihadapi Bank dalam pelaksanaan ESMS adalah masih minimnya pemahaman untuk Bank dalam
menetapkan kategori pembiayaan berkelanjutan kepada seluruh debitur. Untuk memitigasi tantangan yang mungkin
terjadi tersebut, Bank terus melakukan sosialisasi secara berkala terkait kebijakan yang ada maupun yang baru
dikeluarkan oleh Regulator kepada unit-unit bisnis terkait dan calon-calon debitur. Bank akan terus berusaha untuk
meningkatkan kompetensi SDM dengan mengikuti pelatihan-pelatihan terkait risiko sosial dan lingkungan serta
keuangan berkelanjutan.
The challenge faced by the Bank in the implementation of ESMS is the lack of understanding for the Bank in determining
the category of sustainable financing for all debtors. To mitigate those challenges that may occur, the Bank continues
to conduct regular socialization related to existing and new policies issued by the regulator to related business units and
prospective debtors. The Bank will continue to strive to improve HR competencies by attending training related to social
and environmental risks and sustainable finance.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 47
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Tata Kelola Keberlanjutan Sustainability Governance
Page 51
Sebagai salah satu penyedia jasa keuangan, Bank Hana melalui fungsi intermediasi ikut serta dalam menerapkan prinsip keuangan berkelanjutan dengan mengintegrasikan aspek lingkungan dan sosial dalam kegiatan usaha. As a provider of financial services, Hana Bank, through its intermediary function, participates in implementing sustainable financial principles by integrating environmental and social aspects into its business activities.
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Prinsip Tata Kelola Keberlanjutan
Sustainable Finance Governance Principle
Bank Hana memiliki prinsip-prinsip keuangan berkelanjutan
yang menjadi landasan utama dalam menjalankan
operasional bisnis perbankan, terutama dalam menerapkan
keuangan berkelanjutan. Penerapan prinsip-prinsip ini
dilakukan melalui integrasi pengelolaan aspek ekonomi,
sosial, dan lingkungan dalam semua bidang bisnis Bank Hana.
Hana Bank adheres to sustainable finance principles, which serve as the foundation
for all banking operations, particularly the implementation of sustainable finance.
These principles are implemented through integrated management of economic,
social, and environmental factors across all areas of Hana Bank’s operations.
Prinsip Keuangan Berkelanjutan Bentuk Internalisasi di Bank Hana
Sustainable Finance Principles Internalization at Hana Bank
Investasi Bertanggung Jawab Keputusan investasi Bank mempertimbangkan faktor ekonomi, sosial,
Responsible Investment lingkungan hidup, dan tata kelola agar dapat mengelola risiko secara lebih
baik dan menghasilkan keuntungan jangka panjang yang berkelanjutan.
Our investment decisions consider economic, social, environmental, and
governance factors in order to manage risks better and generate long-term,
sustainable returns.
Strategi dan Praktik Bisnis Berkelanjutan Bank berfokus pada pencapaian tujuan jangka panjang dan menetapkan
Sustainable Business Strategies strategi jangka pendek untuk mencapainya.
and Practices
We focus on achieving long-term goals and setting short-term strategies to
achieve them.
Pengelolaan Risiko Lingkungan Hidup dan Bank menerapkan prinsip kehati-hatian dalam mengukur risiko lingkungan
Sosial hidup dan sosial dari aktivitas penghimpunan dan penyaluran dana.
Environmental and Social Risk
Management We apply the prudence principle in measuring environmental and social risks
in the raising and channeling of funds activities.
Tata Kelola Manajemen dan seluruh aktivitas operasi Bank menerapkan prinsip “TARIF”,
Governance yaitu transparansi, akuntabilitas, tanggung jawab, independensi, serta
kewajaran dan kesetaraan, secara konsisten.
The Management and all of our operating activities consistently apply
the “TARIF” principle, i.e. transparency, accountability, responsibility,
independence, fairness, and equality.
Komunikasi yang Informatif Bank menyediakan laporan yang informatif, mencakup strategi, tata kelola,
Informative Communication kinerja, dan prospek ke depan.
We provide informative reports, covering strategy, governance, performance,
and future prospects
Inklusif Bank berupaya menjamin ketersediaan dan keterjangkauan produk dan
Inclusive layanan sehingga dapat diakses oleh seluruh lapisan masyarakat, bahkan
termasuk yang belum memiliki akses terhadap produk dan layanan
perbankan.
We strive to ensure the availability and affordability of products and services so
they can be accessed by all levels of society, including those who do not have
access to banking products and services.
50 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Prinsip Keuangan Berkelanjutan Bentuk Internalisasi di Bank Hana
Sustainable Finance Principles Internalization at Hana Bank
Pengembangan Sektor Unggulan Prioritas Bank mempertimbangkan sektor-sektor unggulan prioritas yang telah
Development of ditetapkan oleh Pemerintah melalui Rencana Pembangunan Jangka
Priority Leading Sector Menengah (RPJM) dan Rencana Pembangunan Jangka Panjang (RPJP).
Dalam hal ini, Bank memfokuskan pembiayaan pada 12 kategori kegiatan
usaha berkelanjutan.
We consider the priority leading sectors set by the government through the
Medium-Term Development Plan (RPJM) and the Long-Term Development
Plan (RPJP). In this case, we focus on financing those who fall into the 12
sustainable business activities categories.
Koordinasi dan Kolaborasi Dalam rangka menyelaraskan kebijakan, strategi, peluang bisnis, serta inovasi
Coordination and Collaboration produk dan layanan dengan kepentingan nasional, Bank berpartisipasi dalam
forum/kegiatan/kerja sama terkait keuangan berkelanjutan, baik pada tingkat
lokal, nasional, maupun regional.
In order to align policies, strategies, business opportunities, as well as products
and services innovation with national interests, the Bank participate in forums/
activities/cooperation on sustainable finance, either at the local, national, or
regional levels.
TAHAPAN PENERAPAN TATA KELOLA SUSTAINABLE FINANCE GOVERNANCE
KEBERLANJUTAN IMPLEMENTATION STAGES
Dalam mengelola aspek keberlanjutan, Bank In managing sustainability aspects, Hana Bank
Hana memiliki tiga tahapan, yakni Tahap has three stages, namely the Preparation Stage,
Persiapan, Tahap Implementasi Awal, dan Tahap Initial Implementation Stage, and Advanced
Implementasi Lanjutan. Ketiga tahapan tersebut Implementation Stage. These three stages are
diuraikan sebagai berikut: described as follows:
01 02 03
Tahap Persiapan Tahap Implementasi Awal Tahap Implementasi Lanjutan
Preparation Stage Early Implementation on Stage Advance Implementation on Stage
• Edukasi intern; • Pengembangan kompetensi • Pengembangan karyawan
• Identifikasi unit yang terkait karyawan; tingkat lanjut;
keuangan berkelanjutan; • Penunjukan unit tertentu yang • Pengembangan portofolio;
• Evaluasi RAKB jangka pendek bertanggung jawab terhadap • Pengawasan dan pelaporan;
dan jangka panjang untuk pelaksanaan keuangan • Penyusunan sistem pengelolaan
disesuaikan dengan aspek berkelanjutan; bisnis yang mengintegrasikan
keuangan berkelanjutan. • Pengelolaan lingkungan intern komponen sosial, lingkungan
yang ramah lingkungan hidup; hidup, dan tata kelola dalam
• penyesuaian kalisifikasi kegiatan pengelolaan risiko;
usaha Bank dengan kriteria • Edukasi nasabah.
dan kategori kegiatan usaha
berkelanjutan.
• Internal education; • Employee competency • Advance employee development;
• Identification of units related to development; • Portfolio development;
sustainable finance; • Appointment of certain units • Monitoring and reporting;
• Evaluation of short-term and to be responsible for the • Preparation of a business
long-term RKAB to be adjusted to implementation of sustainability management system that
sustainable finance aspects. finance; integrates social, environmental
• Environmentally friendly internal and governance components in
environmental management; risk management;
• Adjustment of the classification • Customer education.
of the Bank’s business operations
with the sustainable business
activities criteria and categories.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 51
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Sebagai salah satu penyedia jasa keuangan, As a provider of financial services, Hana Bank,
Bank Hana melalui fungsi Intermediary ikut through its intermediary function, participates
serta dalam menerapkan prinsip keuangan in implementing sustainable financial principles
berkelanjutan dengan mengintegrasikan by integrating environmental and social aspects
aspek lingkungan dan sosial dalam kegiatan into its business activities. This commitment
usaha. Komitmen ini tercermin dalam berbagai is demonstrated in several initiatives taken by
langkah yang diterapkan oleh Bank Hana selama Hana Bank in 2023. These include implementing
tahun 2023. Termasuk di dalamnya adalah environmental and social risk management
implementasi kebijakan manajemen risiko terkait policies in credit disbursement and providing
lingkungan dan sosial dalam pembiayaan kredit, Environmental and Social Risk Management
penyelenggaraan pelatihan Environmental and (ESRM) for Bank employees.
Social Risk Management (ESRM) kepada karyawan
Bank.
PENANGGUNG JAWAB PENERAPAN KEUANGAN PERSON IN CHARGE FOR IMPLEMENTATION OF
BERKELANJUTAN [E.1] SUSTAINABLE FINANCE [E.1]
Dalam menerapkan keuangan berkelanjutan, In implementing sustainable finance, the Board
Dewan Komisaris dan Direksi berperan aktif dalam of Commissioners and Board of Directors play
melakukan pengawasan secara menyeluruh, an active role in carrying out comprehensive
melakukan tinjauan, serta memberikan masukan supervision, conducting reviews, and providing
dan persetujuan terhadap Rencana Aksi input and approval to the Sustainable Finance
Keuangan Berkelanjutan (RAKB). Selain itu, Bank Action Plan (RAKB). Apart from that, the Bank also
juga melibatkan unit kerja/divisi, seperti unit Bisnis involves related work units/divisions, such as the
dan Credit Review untuk implementasi aspek Business Unit and Credit Review, to implement
lingkungan hidup dan sosial dalam keuangan environmental and social aspects of sustainable
berkelanjutan di Bank. finance at the Bank.
Perancangan serta pelaksanaan program-program The design and implementation of RAKB
RAKB dikelola oleh fungsi Manajemen Risiko dan programs are managed by the Risk Management
Satuan Kerja Strategy Planning bersama dengan function and the Strategy Planning Unit together
satuan kerja unit atau divisi lain yang terkait. Selain with other related work units/divisions. In addition,
itu, fungsi Manajemen Risiko juga melakukan the Risk Management function also monitors the
pemantauan terhadap implementasi RAKB, implementation of the RAKB, and reports the
serta melaporkan perkembangan pelaksanaan progress of the program implementation to the
program kepada Direksi dan Dewan Komisaris. Board of Directors and Board of Commissioners.
Kemudian, implementasi RAKB diturunkan The implementation of the RAKB, which is
menjadi berbagai program yang selanjutnya cascaded to a variety of programs, is then
menjadi tanggung jawab unit kerja yang delegated to the work unit in charge. The Strategy
terkait. Dalam pemantauan dan evaluasi RAKB, Planning Work Unit, in collaboration with the
satuan kerja Strategy Planning bersama fungsi Risk Management function and other related
Manajemen Risiko dan unit kerja lainnya yang work units, will be responsible for monitoring and
terkait akan menjadi unit kerja yang bertanggung evaluating the RAKB.
jawab.
Bank akan berusaha secara optimal agar The Bank will make every effort to ensure that the
pelaksanaan program dalam RAKB ini dapat program’s implementation in the RAKB goes as
berjalan lancar tanpa hambatan yang berarti. smoothly as possible. Furthermore, if there are any
Selanjutnya jika terdapat deviasi antara rencana discrepancies between plans and actual results,
dan realisasinya, maka Bank akan mengambil the Bank will take corrective action and re-evaluate
tindakan-tindakan korektif dan mengevaluasi existing RAKB policies.
ulang kebijakan yang ada terkait RAKB.
52 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Aktivitas Penanggung Jawab Tugas dan Wewenang
Activity PIC Duties and Authority
Program peningkatan kapasitas SDM Learning and Talent Menyusun program pelatihan yang kemudian
terkait Keuangan Berkelanjutan. Development dilaksanakan sesuai dengan RAKB
HR capacity building programs related to Learning and Talent Prepare training programs which are then
Sustainable Finance. Development implemented in accordance with RAKB
Kajian strategi atas rencana • Strategy Planning • Melakukan pembahasan pengembangan/
pengembangan terhadap produk dan/ • Credit Risk Management inovasi produk/jasa Keuangan
atau jasa Keuangan Berkelanjutan • Strategy Planning Berkelanjutan; dan
Strategic review of development plans • Credit Risk Management • Melakukan koordinasi dengan unit terkait
for Sustainable Finance products and/or dalam rangka perencanaan dan pelaporan
services RAKB.
• Conducting discussions on the
development/innovation of Sustainable
Financial products/services; and
• Coordinating with related units in the
context of planning and reporting RAKB.
Program penyesuaian klasifikasi • Credit Risk Management Melakukan kajian dan melaporkan hasil
kegiatan usaha Bank dengan • Unit Bisnis Kajian Portfolio Bank yang sesuai dengan
kriteria dan kategori kegiatan usaha • Credit Risk Management kriteria kegiatan usaha berkelanjutan yang
berkelanjutan. • Business unit hasilnya dijadikan sebagai acuan untuk tahap
Program to adjust the classification of integrasi selanjutnya.
Bank business activities to the criteria Conduct studies and report the results of the
and categories of sustainable business Bank Portfolio Study in accordance with the
activities. criteria for sustainable business activities, the
results of which are used as a reference for
the next integration stage.
Pembiayaan sesuai dengan kategori • Unit Bisnis Melakukan pemenuhan target pembiayaan
kegiatan usaha berkelanjutan • Credit Review sesuai dengan kategori kegiatan usaha
Financing is in accordance with the • Business Unit berkelanjutan.
category of sustainable business activities • Credit Review Fulfill financing targets in accordance with
the sustainable business activity category.
PENGEMBANGAN KOMPETENSI SUSTAINABILITY COMPETENCE DEVELOPMENT
KEBERLANJUTAN [E.2] [E.2]
Bank Hana secara berkala melibatkan unit-unit Hana Bank routinely engages work units involved
kerja terkait penerapan keuangan berkelanjutan in the implementation of sustainable financing in
ke berbagai kegiatan pengembangan kompetensi a variety of competency development programs.
terkait keuangan berkelanjutan. Hal ini dilakukan This is done to increase the quality and efficacy
untuk meningkatkan kualitas dan efektivitas of sustainable finance implementation while
pelaksanaan keuangan berkelanjutan, serta meeting the targeted targets.
capaian penerapannya dapat sesuai dengan
target yang direncanakan.
Terkait sumber dana untuk program peningkatan In terms of funding for employee capacity-
kapasitas karyawan, Bank telah merencanakan building activities, the Bank intends to implement
program pelatihan yang dikelola oleh Satuan Kerja a training program supervised by the Learning
Learning & Talent Development yang dimana and Talent Development Work Unit. The budget
anggarannya akan dialokasikan dari total biaya for this program will be allocated from overall labor
tenaga kerja sesuai ketentuan Otoritas Jasa costs in accordance with the Financial Services
Keuangan. Authority’s guidelines.
Terkait sumber daya manusia, implementasi dari In terms of human resources, each work unit is
masing-masing program menjadi tanggung responsible for implementing each program.
jawab dari tiap unit kerja terkait. Satuan kerja yang Work units that are actively involved include
aktif terlibat antara lain masing-masing unit bisnis, each business unit, Credit Policy, Credit Review,
Credit Policy, Credit Review, Manajemen Risiko Credit Risk Management, and all other relevant
Kredit serta seluruh unit kerja pendukung lainnya supporting work units.
yang relevan.
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Dalam rangka pengembangan kapasitas To develop the Bank’s internal capacity to
intern Bank terhadap pemahaman risiko, sosial understand risk, social, and environmental risks,
dan lingkungan, di tahun 2023 Bank telah in 2023, the Bank involved employees in several
mengikutkan karyawan pada beberapa pelatihan training related to these topics.
terkait topik tersebut.
Kegiatan Pengembangan Kompetensi Keberlanjutan 2023
Activities in Sustainability Competence Development in 2023
Peserta
Program Participant Training/
Penyelenggara Waktu Pelaksanaan
Pendidikan/ Education
Organizer Date of Training Unit Jumlah
Pelatihan Program
Unit Pax
Pelatihan Bank Hana, 10 Agustus 2023 Corporate 18 Environmental,
Environmental, Lembaga 10 August 2023 Banking, Social and Good
Social and Good Pengembangan Commercial Governance (ESG)
Governance (ESG) Perbankan Banking, Credit Training
Indonesia (LPPI) Review
Hana Bank,
Lembaga
Pengembangan
Perbankan
Indonesia (LPPI)
Environmental, CFI (Corporate 1 Februari 2023, 1 Mei 2023 Funding Product 2 Environmental,
Social & Finance Institute) 1 February 2023, 1 May and Digital Social &
Governance (ESG) CFI (Corporate 2023 Marketing, Governance (ESG)
Specialization Finance Institute) Contact Center Specialization
and Collection
Sustainable Bank Hana Januari – Desember 2023 Karyawan 44 Sustinable
Finance (e-Learning) January – December 2023 Employee Finance
Hana Bank
(e-Learning)
Satuan
Uraian 2023 2022 2021 Description
Unit
Pelaksanaan Kegiatan Kegiatan 3 2 4 Implementation
Pengembangan Kompetensi Activities of Competency
Development Program
Jumlah Peserta Orang 64 133 295 Total Participants
Pax
Biaya Program Pengembangan Rp 43.680.857 28.560.000 99.100.000 Costs of Sustainablity
Kompetensi Keberlanjutan Rp Competence
Development Program
MANAJEMEN RISIKO [E.3] RISK MANAGEMENT [E.3]
Manajemen Risiko menjadi aspek penting Risk management is a key component of
dalam menjalankan penerapan keuangan implementing sustainable finance. Banking
berkelanjutan. Kegiatan bisnis perbankan tidak activities are inextricably linked to a variety of risks
terlepas dari berbagai jenis risiko yang berpotensi that can have serious consequences. The Bank
menimbulkan dampak negatif. Pengelolaan risiko must implement effective risk management in
yang efektif diperlukan sebagai upaya Bank untuk order to identify, assess, monitor, and control risks.
mengidentifikasi, mengukur, memantau, dan With this philosophy, the Bank strives to manage
mengendalikan risiko. Dengan prinsip tersebut, all significant risk exposures in order to reduce
Bank berupaya mengelola semua eksposur risiko future consequences, including environmental
yang signifikan untuk meminimalkan dampak and social hazards. As part of this commitment,
yang terjadi di masa yang akan datang, termasuk the Bank has established policies and processes
risiko lingkungan hidup dan sosial. Sebagai for implementing Environmental and Social Risk
wujud komitmen tersebut, Bank telah menyusun Management, as well as an Environmental and
kebijakan dan prosedur terkait penerapan Social Risk Management System (ESMS).
Manajemen Risiko Lingkungan dan Sosial serta
menerapkan Environmental and Social Risk
Management System (ESMS).
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Penanggung Jawab Manajemen Risiko Risk Management Person in Charge
Manajemen risiko di Bank Hana merupakan Risk management is a shared responsibility at
tanggung jawab bersama sehingga dilakukan Hana Bank; hence, it is carried out by multiple work
oleh berbagai unit kerja, dengan koordinasi units, with management coordination provided by
pengelolaan pada fungsi Manajemen Risiko. the Risk Management Function. Furthermore, the
Selain itu, Dewan Komisaris dan Direksi juga Board of Commissioners and Board of Directors
berperan aktif dalam mengawasi pelaksanaan dan actively supervise the Bank’s risk management
pencapaian manajemen risiko di Bank. Dewan implementation and accomplishments. The
Komisaris dibantu oleh Komite Pemantau Risiko Board of Commissioners, with the assistance of
melakukan pengawasan terhadap pengendalian the Risk Monitoring Committee, oversees the
eksposur risiko yang dilakukan oleh Bank. Bank’s risk exposure control measures. The Board
Sedangkan, Direksi melakukan pengelolaan dan of Directors performs risk management and
pengawasan risiko sesuai dengan tugas dan monitoring in accordance with their individual
tanggung jawabnya masing-masing. Direksi juga tasks and responsibilities. The Board of Directors
bertanggung jawab untuk mengevaluasi dan is also responsible for evaluating and ensuring
memastikan efektivitas pelaksanaan manajemen the effectiveness of the risk management
risiko tersebut. implementation.
Proses Manajemen Risiko Risk Management Process
Penerapan manajemen risiko Bank telah The Bank’s risk management implementation
mengintegrasikan aspek lingkungan hidup dan has integrated environmental and social aspects.
sosial. Bank telah memiliki Kebijakan Manajemen The Bank has an Environmental and Social Risk
Risiko Lingkungan Hidup dan Sosial yang berfungsi Management Policy that functions as a guideline
sebagai pedoman dalam mengembangkan for developing sustainable finance, which is in
keuangan berkelanjutan yang sejalan dengan line with the policies of the Financial Services
kebijakan dari Otoritas Jasa Keuangan (OJK), Authority (OJK), International Finance Corporation
International Finance Corporation (IFC), dan (IFC), and the Bank’s internal regulations, as well
peraturan internal Bank, serta mendukung as supporting the implementation of long-term
pelaksanaan tujuan pembangunan berkelanjutan Sustainable Development Goals from the United
jangka panjang dari Persatuan Bangsa Bangsa Nations (UN).
(PBB).
Manajemen risiko dilaksanakan melalui kerja Risk management is carried out through
sama antar berbagai unit kerja terkait, dan collaboration among many related work units,
mempertimbangkan bahwa risiko-risiko terkait recognizing that risks for business sustainability
keberlanjutan usaha menjadi tanggung jawab are a shared responsibility. Furthermore, the Board
bersama. Selain itu, Dewan Komisaris dan Direksi of Commissioners and Board of Directors actively
memainkan peran aktif dalam mengawasi supervise the implementation and attainment of
pelaksanaan dan pencapaian manajemen risk management objectives. The support of the
risiko. Dukungan dari Komite Pemantau Risiko Risk Monitoring Committee enables the Board of
memungkinkan Dewan Komisaris untuk Commissioners to manage and limit risk exposure
mengawasi pengendalian terhadap paparan in compliance with the applicable regulations. On
risiko sesuai dengan peraturan yang berlaku. Di the other hand, the Board of Directors is in charge
sisi lain, Direksi bertanggung jawab mengawasi of managing risk management in accordance
manajemen risiko sesuai dengan tugas dan with its tasks and responsibilities, which include
tanggung jawabnya, termasuk evaluasi dan evaluating and assuring the effectiveness of risk
memastikan efektivitas implementasi manajemen management.
risiko tersebut.
Bank senantiasa mencari peluang bisnis untuk The Bank is constantly looking for business
mewujudkan keuangan berkelanjutan dengan possibilities to implement sustainable finance
tetap memperhatikan prinsip kehati-hatian dan while adhering to the philosophy of prudence
penerapan manajemen risiko. Dalam penerapan and risk management implementation.
aspek lingkungan hidup dan sosial pada In implementing environmental and social
penyaluran kredit, Bank telah secara konsisten aspects in credit distribution, the Bank has
memperhatikan 2 aspek yang dilakukan pada consistently paid attention to the two aspects
saat proses credit underwriting sebagaimana carried out during the credit underwriting process,
dijelaskan berikut ini: as explained below:
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Dua Aspek dalam Proses Credit Underwriting
Two Aspects in Credit Underwriting Process
1. Pemberian Kredit 1. Credit Provision
Bank menetapkan target terhadap pemberian kredit The Bank sets a target for credit provision that refers
yang mengacu kepada prinsip keuangan berkelanjutan to sustainable finance principles and financing for the
serta pembiayaan kepada sektor usaha mikro, micro, small, and medium enterprises (MSMEs) sector
kecil, dan menengah (UMKM) yang sesuai dengan in accordance with the Bank’s strategic plan. The
rencana strategis Bank. Bank juga menetapkan limit Bank also sets financing limits based on industrial
pembiayaan berdasarkan sektor industri yang dinilai sectors that are considered to have high social and
memiliki risiko tinggi terhadap lingkungan hidup dan environmental risks, among others, through the
sosial, antara lain melalui penetapan exclusion list establishment of an exclusion list based on IFC
berdasarkan standar dari IFC. standards.
2. Analisis Kredit 2. Credit Analysis
Dalam proses pemberian kredit, Bank melakukan In the credit provision process, the Bank conducts
analisa untuk melihat dampak pemberian kredit analysis to see the impact of the credit provision on
tersebut terhadap lingkungan hidup dan sosial, social and environmental aspects, categorizes the
melakukan pengkategorian terhadap risiko lingkungan social and environmental risks, and conducts a special
hidup dan sosial, serta melakukan proses uji kelayakan due diligence process for business activities that have
(due diligence) khusus bagi kegiatan usaha yang high risks in social and environmental aspects by
memiliki risiko tinggi pada aspek sosial dan lingkungan implementing ESMS and industry analysis.
hidup dengan mengimplementasikan ESMS dan
analisis industri.
Selain dua aspek tersebut, Bank juga melaksanakan Apart from these two aspects, the Bank also carries
kegiatan Tanggung Jawab Sosial dan Lingkungan out Social and Environmental Responsibility (TJSL)
Hidup (TJSL) untuk menyeimbangkan aspek activities to balance social and environmental
sosial dan lingkungan di seluruh aktivitas usaha. factors in all business activities. The TJSL program
Program TJSL yang dilaksanakan telah mencakup includes corporate social responsibility (CSR),
tanggung jawab sosial perusahaan (CSR) yang focusing on education and community welfare.
berfokus pada bidang bidang pendidikan dan
kesejahteraan masyarakat.
Penerapan manajemen risiko secara khusus Risk management is specifically carried out in
dilakukan pada lingkungan hidup dan sosial the environmental and social environment in
dalam penerapan keuangan berkelanjutan. Hal the implementation of sustainable finance. This
ini bukan hanya sebagai wujud kepatuhan Bank is not only a form of the Bank’s compliance with
terhadap regulasi, tetapi juga tanggung jawab regulations but also a responsibility for social and
terhadap aspek sosial dan lingkungan bagi para environmental aspects for stakeholders.
pemangku kepentingan.
Esensi dari penerapan manajemen risiko The essence of implementing environmental and
lingkungan dan sosial ini adalah pada kecukupan social risk management is the adequacy of risk
prosedur dan metodologi pengelolaan risiko management procedures and methodologies
sehingga kegiatan usaha Bank tetap dapat so that the Bank’s business activities can remain
terkendali pada batas yang dapat diterima dan controlled within acceptable limits and provide
dapat memberikan manfaat bagi Bank. Adapun benefits for the Bank. The scope of implementation
ruang lingkup penerapan manajemen risiko of environmental and social risk management
lingkungan hidup dan sosial mencakup kegiatan covers financing activities, including in corporate,
pembiayaan, termasuk kepada segmentasi commercial, and MSME segments.
korporasi, komersial, dan UMKM.
56 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Beberapa Langkah Strategis untuk Memastikan Upaya Manajemen Risiko Lingkungan dan Sosial
Berjalan Efektif
Strategic Initiatives to Ensure Effective Environmental and Social Risk Management
1. Memastikan bahwa aktivitas yang dijalankan telah 1. Ensure that the activities carried out are in accordance
sesuai dengan persyaratan yang berlaku, sesuai with the applicable requirements, in accordance with
dengan kebijakan internal Bank, salah satunya adalah the Bank's internal policies, one of which is to ensure
memastikan bahwa proyek yang akan dibiayai tidak that the project to be financed is not included in the
termasuk dalam exclusion list. exclusion list.
2. Memastikan bahwa penyaluran kredit terhadap 2. Ensure that project lending has been periodically
proyek telah ditinjau ulang secara berkala terhadap reviewed against the applicable requirements.
persyaratan yang berlaku.
3. Memaksimalkan upaya untuk memastikan bahwa 3. Maximize efforts to ensure that project lending
penyaluran kredit terhadap proyek dilaksanakan is carried out in accordance with applicable
sesuai dengan persyaratan yang berlaku secara requirements on an ongoing basis, as long as the
berkesinambungan, selama Bank membiayai proyek Bank finances the project.
tersebut. 4. Ensure that management, shareholders and
4. Memastikan bahwa Manajemen dan Pemegang customers understand the Bank's policy
Saham serta para nasabah memahami komitmen commitments in this area.
kebijakan yang disusun oleh Bank pada bidang
tersebut.
5. Dalam proses pemberian kredit, Bank akan 5. In the process of lending, the Bank will identify and
melakukan identifikasi dan mengkur potensi risiko quantify potential environmental and social risks.
terkait lingkungan hidup dan sosial.
6. Untuk setiap debitur yang dinilai memiliki potensi 6. For each debtor that is considered to have a large
risiko lingkungan hidup dan sosial yang besar, maka potential environmental and social risk, the Bank
Bank akan melakukan proses environment and social will conduct a further environmental and social due
due diligence (ESDD) lebih lanjut. diligence (ESDD) process.
7. Hasil ESDD yang berpotensi berdampak negatif 7. ESDD results that have a potential negative impact
terhadap sosial dan lingkungan hidup wajib disertai on social and environment must be accompanied by
rencana aksi untuk mengelola risiko tersebut dan an action plan to manage the risk and the action plan
rencana aksi tersebut dipantau secara berkala. is monitored regularly.
8. Laporan ESDD akan menjadi salah satu faktor 8. The ESDD report will be one of the factors considered
pertimbangan persetujuan pada Komite Kredit. for approval at the Credit Committee.
Mitigasi Risiko Risk Mitigation
Dalam memitigasi risiko lingkungan hidup dan The Bank carries out risk identification,
sosial dalam aktivitas perkreditan, Bank melakukan measurement, monitoring, and control processes
proses identifikasi, pengukuran, pemantauan, dan to reduce environmental and social hazards in
pengendalian risiko. Diawali dari proses identifikasi, lending activities. This process begins with risk
proses ini dilakukan pada saat proses penyaringan identification and continues through screening
(screening) untuk memastikan pembiayaan tidak to guarantee that financing is not included in
termasuk dalam aktivitas yang dikecualikan. forbidden activities. Environmental and social risk
Secara umum, kategori terhadap risiko lingkungan categories typically contain internal exclusion lists,
hidup dan sosial antara lain exclusion list internal, applicable government rules, and international
peraturan pemerintah yang berlaku, dan standar standards that can be utilized as references.
internasional yang dapat menjadi acuan.
Bank kemudian melakukan kategorisasi terhadap The Bank then categorizes the risks attributed
risiko yang ditetapkan untuk setiap transaksi, to each transaction, so that these environmental
dimana kategori risiko lingkungan hidup dan sosial and social risk categories can be factored into
ini dapat dimasukkan ke dalam penilaian risiko the overall risk assessment and decision-making
secara keseluruhan dan dijadikan faktor dalam process. By categorizing environmental and social
proses pengambilan keputusan. Pengkategorian hazards, the Bank is able to monitor and evaluate
risiko lingkungan hidup dan sosial memungkinkan exposure to these risks throughout its portfolio.
Bank untuk memantau dan mengevaluasi
paparan terhadap risiko lingkungan hidup dan
sosial di tingkat portofolio.
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Hal ini memungkinkan Bank mengelola dan This enables the Bank to better manage and
memantau dengan lebih baik atas perubahan monitor changes in the overall risk profile of its
dalam profil risiko keseluruhan dari portofolio portfolio and environmental and social impacts.
yang dimiliki dan dampak bagi lingkungan dan This information can also be used to report
sosial. Informasi ini juga dapat digunakan untuk internally to Management and stakeholders on
melaporkan secara internal kepada Manajemen overall environmental and social performance.
dan pihak pemangku kepentingan tentang kinerja
lingkungan dan sosial secara keseluruhan.
Kategori RIsiko Lingkungan Hidup dan Sosial
Environmental and Social Risk Categories
Kategori Penjelasan
Category Description
Kategori A – Risiko Tinggi Transaksi dengan dampak lingkungan dan sosial merugikan yang signifikan, sensitif, beragam,
atau belum pernah terjadi sebelumnya. Potensi dampak dianggap sensitif jika tidak dapat diubah
(seperti hilangnya habitat alami utama), memengaruhi kelompok rentan atau etnis minoritas,
melibatkan pemindahan paksa dan pemukiman kembali, atau mempengaruhi situs warisan
budaya yang signifikan.
Category A - High Risk Transactions with significant, sensitive, diverse, or unprecedented adverse environmental and
social impacts. Potential impacts are considered sensitive if they are irreversible (such as loss of
key natural habitat), affect vulnerable groups or ethnic minorities, involve forced displacement
and resettlement, or affect significant cultural heritage sites.
Kategori B – Risiko Transaksi biasanya dengan aktivitas bisnis dengan dampak lingkungan dan sosial tertentu yang
Menengah jumlahnya sedikit, umumnya lokasi spesifik, sebagian besar dapat dibalik, serta dapat segera
ditangani melalui tindakan dan praktik terbaik internasional. Potensi dampak lingkungan
yang merugikan pada populasi manusia atau area penting lingkungan kurang merugikan
dibandingkan dengan transaksi risiko tinggi.
Category B - Medium Transactions typically involve business activities with a limited number of specific environmental
Risk and social impacts; generally, location is specific, largely reversible, and can be promptly
addressed through action and international best practices. The potential for adverse
environmental impacts on human populations or environmentally important areas is less adverse
than those for high-risk transactions.
Kategori C – Risiko Transaksi dengan aktivitas bisnis dengan sedikit atau tanpa dampak lingkungan dan sosial yang
Rendah merugikan.
Category C - Low Risk Transactions with business activities with little or no adverse environmental and social impacts.
Dalam melakukan pengukuran risiko lingkungan The Bank conducts Environmental and Social Due
hidup dan sosial, Bank melakukan Environmental Diligence (ESDD) to assess environmental and
and Social Due Diligence (ESDD) yang hasilnya social risks, and the results must be included in the
harus diperhitungkan dalam proses pengambilan decision-making process before proceeding with
Keputusan untuk melanjutkan transaksi. the transaction.
Adapun hal-hal yang tercakup dalam ESDD antara Issues covered in an ESDD include analysis
lain analisa mengenai: regarding:
1. Lokasi geografis: penggunaan lahan di 1. Geographical location: surrounding land use
sekitarnya dan kedekatan dengan habitat and proximity to natural habitats, rivers, and
alami serta sungai dan danau; lakes;
2. Kondisi lokasi: kondisi fasilitas dan potensi 2. Site conditions: condition of facilities and
pencemaran tanah; potential for soil contamination;
3. Akses ke utilitas, seperti tenaga listrik, gas alam, 3. Access to utilities, such as electric power,
dan air; natural gas, and water;
4. Isu-isu sosial tentang: tenaga kerja, kesehatan 4. Social issues on labor, occupational health
dan keselamatan kerja, kesehatan dan and safety, community health and safety,
keselamatan masyarakat, keterlibatan community engagement, land acquisition
masyarakat, pembebasan lahan dan and resettlement, indigenous and vulnerable
pemukiman kembali, masyarakat adat dan communities, and cultural/archaeological
rentan, serta warisan budaya/arkeologi; heritage;
5. Isu lingkungan tentang: penggunaan dan 5. Environmental issues on water use and quality,
kualitas air, air limbah, penggunaan material wastewater, material use (hazardous and
58 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
(berbahaya dan tidak berbahaya), limbah nonhazardous), waste (hazardous and non-
(berbahaya dan tidak berbahaya), penggunaan hazardous), land use, biodiversity, energy use
lahan, keanekaragaman hayati, penggunaan and emissions, and air quality;
energi dan emisi, serta kualitas udara;
6. Kinerja dan reputasi debitur dalam masalah 6. Performance and reputation of the debtor on
lingkungan dan sosial, termasuk denda dan environmental and social matters, including
hukuman serta kecelakaan parah yang terkait fines and penalties, as well as serious accidents
dengan masalah lingkungan dan sosial; related to environmental and social issues;
7. Pemenuhan ketentuan lingkungan dan sosial, 7. Fulfillment of environmental and social
seperti emisi lingkungan, konservasi energi, provisions, such as environmental emission,
sistem pembuangan limbah, penggunaan energy conservation, waste disposal system,
material berbahaya, kontaminasi lahan, use of hazardous material, land contamination,
biodiversity, ketenagakerjaan, kesehatan biodiversity, employment, community health
dan keselamatan komunitas, akusisi lahan, and safety, land acquisition, indigenous
masyarakat adat, serta warisan budaya. peoples, and cultural heritage.
Setelah melakukan pengukuran, Bank kemudian After carrying out measurements, the Bank
melakukan pemantauan kinerja lingkungan hidup analyzes the debtor’s environmental and social
dan sosial debitur antara lain dan tidak terbatas performance, including but not limited to:
kepada:
• Perizinan terkait sosial dan lingkungan hidup • Valid social and environmental related permits;
yang valid;
• Denda dan sanksi terkait peraturan sosial dan • Fines and sanctions related to social and
lingkungan hidup; environmental regulations;
• Laporan terbaru dari regulator yang • Latest reports from regulators confirming
mengonfirmasi kepatuhan terhadap hukum compliance with prescribed laws, including any
yang ditentukan, termasuk pengukuran emisi emission measurements that prove emissions
apa pun yang membuktikan bahwa emisi are below permissible limits;
berada di bawah batas yang diizinkan;
• Kejadian sosial dan lingkungan hidup, • Social and environmental events, including
termasuk kecelakaan atau insiden besar yang accidents or major incidents related to the
terkait dengan kegiatan usaha debitur; debtor’s business activities;
• Perhatian media terhadap masalah sosial dan • Media attention to social and environmental
lingkungan hidup yang terkait dengan debitur; issues related to debtors; and
serta
• Setiap keluhan yang diajukan oleh pemangku • Every complaint submitted by stakeholders
kepentingan tentang debitur. about the debtors.
ANTIKORUPSI DAN ANTI-FRAUD ANTI-CORRUPTION AND ANTI-FRAUD
Antikorupsi dan anti-fraud telah menjadi bagian Anti-corruption and anti-fraud measures
dalam penerapan tata kelola di Bank Hana. Bank have been integrated into Hana Bank’s
memiliki komitmen dalam penerapan tata kelola governance framework. The Bank is dedicated to
keuangan berkelanjutan melalui praktik-praktik implementing sustainable financial governance
bisnis yang sehat dan pencegahan praktik fraud through sound business processes and avoiding
terhadap aset dan properti Bank. Untuk mencegah fraudulent activities involving Bank assets and
terjadinya praktik korupsi dan fraud, Bank telah property. To prevent corrupt practices and fraud,
membentuk Komite Investigasi Fraud yang the Bank has established a Fraud Investigation
bertanggung jawab memeriksa hasil investigasi Committee, which is in charge of reviewing the
untuk memutuskan dan menentukan tindakan results of investigations in order to decide and
yang akan diambil berdasarkan pelanggaran determine actions to be taken in response to
yang dilakukan oleh karyawan yang dicurigai violations committed by employees suspected of
melakukan fraud dengan mempertimbangkan committing fraud, taking into account the facts,
fakta, temuan, dan rekomendasi yang dihasilkan findings, and recommendations resulting from
dari pemeriksaan. the examination.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 59
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Selanjutnya, ringkasan hasil investigasi dan The Human Resources Committee (KSDM)
rekomendasi dari rapat Komite Investigasi Fraud then receives a summary of the investigation
dikirimkan kepada Komite Sumber Daya Manusia results and recommendations from the Fraud
(KSDM). Rekomendasi penerbitan sanksi akan Investigation Committee meeting. KSDM will
disetujui dan dilaksanakan oleh KSDM. Pada adopt and implement recommendations for
tahun 2023, Bank telah menindaklanjuti dan issuing sanctions. In 2023, the Bank followed up
menyelesaikan seluruh laporan kejadian fraud and completed all fraud incident reports received.
yang diterima.
Pihak Pelaku
Perpetrator
Dewan Komisaris dan
Uraian Pegawai Tidak Tetap
Direksi Pegawai Tetap Description
Non-Permanent
Board of Commissioners Permanent Employees
Employees
and Board of Directors
2023 2022 2021 2023 2022 2021 2023 2022 2021
Jumlah Fraud - - - - 2 3 - - - Total Fraud
Telah - - - 2 3 - - Settled
Diselesaikan
Dalam Proses - - - - - - - On Settlement
Penyelesaian Process by Bank’s
Internal Bank Internal
Belum - - - - - - - Han not Been
Diupayakan Resolved Yet
Penyelesaiannya
Telah - - - - - - - Followed up by
Ditindaklanjuti Legal
Melalui Proses Process
Hukum
Whistleblowing System Whistleblowing System
Sebagai bentuk upaya dalam mencegah terjadinya The Bank operates a Whistleblowing System (WBS)
praktik korupsi, fraud, dan praktik lain yang to combat corruption, fraud, and other actions
melanggar kode etik dan peraturan pemerintah, that violate the code of ethics and government
Bank telah memiliki Whistleblowing System rules. The WBS serves as an internal control that
(WBS). WBS berfungsi sebagai pengendalian has been fine-tuned to handle complaints about
internal yang telah disempurnakan agar dapat fraud, corruption, scams, theft, and other violations
mengelola pengaduan terkait tindakan fraud, that impact customers or other stakeholders.
korupsi, penipuan, pencurian, dan tindakan
pelanggaran lainnya yang merugikan nasabah
atau pemangku kepentingan lain.
60 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Pelapor dapat menyampaikan laporannya Whistleblowers can submit their reports through
melalui media pelaporan yang disediakan Bank, the reporting media supplied by the Bank, which
yakni: includes:
1. Website Bank melalui link https://www. 1. Bank’s Website via the link https://www.
hanabank.co.id; hanabank.co.id;
2. Telepon (bebas pulsa) ke 0800-1-515151; 2. Telephone (toll-free) to 0800-1-515151;
3. WhatsApp: 0855-7-151515; 3. WhatsApp: 0855-7-151515;
4. E-mail kepada Direktur Utama: 4. E-mail to the President Director:
ceowhistleblowing@hanabank.co.id; ceowhistleblowing@hanabank.co.id;
5. E-mail kepada Whistleblowing Officer: 5. E-mail to Whistleblowing Officer:
hanawhistleblowing@hanabank.co.id. hanawhistleblowing@hanabank.co.id.
Adapun selama tahun 2023, tidak terdapat laporan Throughout 2023, there were no complaint reports
pengaduan yang dinilai signifikan. that were considered significant.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 61
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Kinerja Operasional, Produk, dan Layanan Operational, Products, and Services Performance
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Dengan memiliki kinerja ekonomi yang solid, Bank dapat melangsungkan kegiatan usaha yang berkelanjutan dan memberikan manfaat kepada para pemangku kepentingan. Bank juga berupaya menyediakan produk dan jasa perbankan yang kompetitif, unggul, menarik, dan sesuai dengan kebutuhan masyarakat. By having a solid economic performance, the Bank can conduct its business activities in a sustainable manner and deliver benefits to its stakeholders. The Bank also strives to provide banking products and services that are competitive, superior, attractive, and in accordance with the needs of the community.
Page 66
Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
MEMBANGUN BUDAYA KEBERLANJUTAN BUILDING A CULTURE OF ECONOMIC
EKONOMI SUSTAINABILITY
Kinerja ekonomi menjadi salah satu indikator Economic performance is one indicator used to
kondisi keberlangsungan usaha yang dijalankan. assess the sustainability of a business. By having a
Dengan memiliki kinerja ekonomi yang solid, solid economic performance, the Bank can conduct
Bank dapat melangsungkan kegiatan usaha yang its business activities in a sustainable manner and
berkelanjutan dan memberikan manfaat kepada deliver benefits to its stakeholders. To maintain the
para pemangku kepentingan. Untuk menjaga achievement of targeted performance, the Bank
pencapaian kinerja yang ditargetkan, Bank issued a Bank Business Plan (RBB) with realistic
mengeluarkan Rencana Bisnis Bank (RBB) dengan strategies and targets. In addition, the Bank has
strategi dan target yang realistis. Selain itu, Bank also developed a Sustainable Finance Action Plan
juga telah menyusun Rancangan Aksi Keuangan (RAKB) for implementing sustainable finance.
Berkelanjutan (RAKB) dalam menerapkan
keuangan berkelanjutan.
Untuk menjaga kinerja ekonomi tetap solid dan In order to maintain a solid and positive economic
positif, Bank berupaya menyediakan produk dan performance, the Bank strives to provide banking
jasa perbankan yang kompetitif, unggul, menarik, products and services that are competitive,
dan sesuai dengan kebutuhan masyarakat. Pada superior, attractive, and in line with the needs of
era digital saat ini, Bank juga menyediakan layanan the community. In today’s digital era, the Bank
perbankan digital LINE Bank by Hana Bank. Selain also provides digital banking services namely LINE
itu, Bank juga berupaya untuk membangun dan Bank by Hana Bank. In addition, the Bank also
menunjukkan keunggulan yang dapat menjadi seeks to build and demonstrate advantages that
nilai tambah dalam persaingan di industri can add value in the competitive environment
perbankan Indonesia, seperti yang dijelaskan of the Indonesian banking industry, as described
sebagai berikut: below:
Trust Global Leader
Menjadi Bank Terpercaya Menjadi Lembaga Menjadi Bank papan atas,
karena kepercayaan finansial skala golbal. baik di skala domestik dan
adalah segalanya. Become a financial internasional.
Become a trustworthy institution. Become a top Bank, both in
Bank as trust is domestic and international.
everything.
Human-Touch Dynamic
Bank yang berupaya Bank dinamis yang
membahagiakan memperkenalkan solusi
nasabahnya. finansial termutakhir, visi
Bank that strives to yang jelas, dan rencana
makes its customers yang positif.
happy. A dynamic Bank
introducing latest financial
solution, clear vision, and
positive plan.
64 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
44,05
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
%
Peningkatan pembiayaan kegiatan usaha
berkelanjutan dari Rp3,31 triliun pada
2022 menjadi Rp4,77 triliun pada 2023
Increased financing of sustainable business
activities from Rp3.31 trillion in 2022 to
Rp4.77 trillion in 2023
PERTUMBUHAN KINERJA OPERASIONAL DAN OPERATIONAL AND FINANCIAL PERFORMANCE
KEUANGAN GROWTH
Bank Hana selalu berupaya memberikan kinerja Hana Bank always strives to achieve the best
terbaik dalam menyediakan produk dan layanan. performance in providing products and services.
Dengan memiliki kinerja yang baik ditambah Through good performance coupled with healthy
dengan pertumbuhan ekonomi yang sehat, economic growth, the Bank can bring positive
Bank dapat memberikan manfaat positif kepada benefits to all stakeholders.
seluruh pemangku kepentingan.
Kinerja Keuangan dan Operasional [F.2] Dalam Jutaan Rupiah, kecuali dinyatakan lain
Financial and Operational Performances [F.2] In million Rupiah, unless otherwised stated
2023 2022 2021
Uraian
Description Realisasi Realisasi Realisasi
Target Target
Realization Realization Realization
Kinerja Keuangan
Financial Performance
Total Aset 48,194,105 46,883,866 44,787,997 46,699,415 43,267,167
Total Assets
Total Liabilitas 37,153,674 35,820,423 34,297,429 36,087,861 33,017,908
Total Liabilities
Total Equitas 11,040,431 11,063,443 10,490,568 10,611,554 10,249,259
Total Equity
Pendapatan Bunga – Neto 1,777,335 1,724,187 1,762,741 1,796,113 1,553,864
Interest Income - Net
Pendapatan Operasional 382,220 231,303 300,824 217,056 284,988
Lainnya
Total Other Operating Income
Laba Operasional 551,208 610,992 526,136 590,961 434,603
Operating Income
Laba Komprehensif Tahun 446,402 451,889 354,133 362,295 337,906
Berjalan
Comprehensive Income for
The Year
Kinerja Operasional
Operational Performance
Kredit 33,500,009 34,324,051 32,000,028 32,650,109 29,304,939
Loans
Simpanan Nasabah 27,000,000 26,229,093 26,175,018 26,892,543 26,406,463
Customers’ Deposit
Rasio Keuangan
Financial Ratio
Rasio Kecukupan Modal 26,96 28,35 27,28 26,56 28,31
Minimum (KPMM) (%)
Capital Adequacy Ratio (%)
Aset Produktif Bermasalah dan 2,36 1,01 2,21 1,31 1,47
Aset Non-produktif Bermasalah
terhadap Total Aset Produktif
dan Aset Non-produktif (%)
Non-Performing Earning
and Non-Earning Assets
to Total Earning and
Non-Earning Assets (%)
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Kinerja Keuangan dan Operasional [F.2] Dalam Jutaan Rupiah, kecuali dinyatakan lain
Financial and Operational Performances [F.2] In million Rupiah, unless otherwised stated
2023 2022 2021
Uraian
Description Realisasi Realisasi Realisasi
Target Target
Realization Realization Realization
Aset Produktif Bermasalah 1.24 0,65 1,28 0,69 0,89
terhadap Total Aset Produktif
Non-Performing Earning
Assets to Total Earning
Assets
Cadangan Kerugian Penurunan 2.25 2,26 2,59 2,35 2,05
Nilai (CKPN) Aset Keuangan
terhadap Aset Produktif
Provision for
Impairment Losses
on Financial Assets to
Earning Assets
Rasio Kredit Bermasalah (NPL) 1.25 0,86 1,74 0,94 1,26
Bruto
Non-Performing Loan
- Gross
Rasio Kredit Bermasalah (NPL) 0.73 0,33 0,80 0,46 0,60
Neto
Non-Performing Loan - Net
Return on Asset (ROA) 1.17 1,34 1,21 1,35 1,03
Return on Equity (ROE) 3.72 4,42 3,99 4,66 3,74
Net Interest Margin (NIM) 4.15 4,33 4,38 4,60 4,14
Rasio Efisiensi (BOPO) 83.85 81,90 82,52 79,24 85,27
Efficiency Ratio
Loan to Deposit Ratio (LDR) 124.07 128,27 122,25 120,66 110,46
MENDORONG PERTUMBUHAN EKONOMI DRIVING ECONOMIC GROWTH THROUGH
MELALUI PENYALURAN KREDIT LENDING
Bank Hana senantiasa berkontribusi dalam Hana Bank continues to contribute to driving
mendorong perekonomian nasional melalui the national economy through prudent lending.
penyaluran kredit yang prudent. Penyaluran kredit Lending is directed to finance working capital and
diarahkan untuk membiayai modal kerja dan investment in MSME businesses from a medium
investasi pada bisnis UMKM dari skala menengah to a corporate scale.
hingga korporasi.
2023 2022 2021
Sektor Ekonomi
Economic Sector Rp Juta Rp Juta Rp Juta
% % %
Rp million Rp million Rp million
Industri Pengolahan 12.286.127 35,79 12.817.029 39,26 11.699.029 39,92
Processing Industry
Real Estate 3.736.487 10,89 4.021.345 12,32 5.288.949 18,05
Perdagangan Besar dan Eceran 3.902.074 11,37 3.244.865 9,94 3.467.362 11,83
Wholesale and Retail Trade
Aktivitas Keuangan dan Asuransi 4.060.570 11,83 2.589.133 7,93 2.290.523 7,82
Finance and Insurance Activities
Pengangkutan dan Pergudangan 1.400.702 4,08 1.403.008 4,30 1.491.193 5,09
Transportation and Warehousing
Aktivitas Penyewaan dan 710.755 2,07 1.219.713 3,74 513.255 1,75
Sewa Guna Usaha Tanpa Hak
Opsi, Ketenagakerjaan, Agen
Perjalanan dan Penunjang Usaha
Lainnya
Rental and Leasing Activities
without Option Rights,
Employment, Travel Agencies
and Other Supporting Businesses
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
2023 2022 2021
Sektor Ekonomi
Economic Sector Rp Juta Rp Juta Rp Juta
% % %
Rp million Rp million Rp million
Rumah Tangga 1.518.638 4,42 1.213.035 3,72 868.394 2,96
Households
Konstruksi 1.095.680 3,19 1.147.694 3,52 1.114.896 3,80
Construction
Penyediaan Akomodasi dan 1.060.134 3,09 1.109.607 3,40 1.016.383 3,47
Penyediaan Makan Minum
Provision of Accommodation and
Food and Drink
Pertambangan dan Penggalian 1.099.234 3,20 861.632 2,64 171.618 0,59
Mining and Quarrying
Pengadaan Listrik, Gas, Air 1.182.565 3,45 714.700 2,19 495.148 1,69
Procurement of Electricity, Gas,
Water
Pertanian, Kehutanan, dan 883.702 2,57 671.849 2,06 485.929 1,66
Perikanan
Agriculture, Forestry and
Fisheries
Aktivitas Profesional, Ilmiah, dan 318.388 0,93 522.512 1,60 - -
Teknis
Professional, Scientific and
Technical Activities
Aktivitas Jasa Lainnya 343.824 1,00 457.949 1,40 - -
Other Service Activities
Informasi dan Komunikasi 357.917 1,04 287.719 0,88 - -
Information and Communication
Pendidikan 150.006 0,44 199.648 0,61 299.422 1,02
Education
Aktivitas Kesehatan Manusia dan 216.494 0,63 163.213 0,50 102.408 0,35
Aktivitas Sosial
Human Health and Social
Activities
Pengelolaan Air, Pengelolaan Air 88 0,00 4.626 0,01 - -
Limbah, Pengelolaan dan Daur
Ulang Sampah, dan Aktivitas
Remediasi
Water Management, Wastewater
Management, Waste
Management and Recycling, and
Remediation Activities
Bukan Lapangan Usaha Lainnya 0 - 467 0,00 427 0,00
Other Non-Business Fields
Kesenian, Hiburan, dan Rekreasi 298 0,00 366 0,00 - -
Arts, Entertainment and
Recreation
Jumlah 34.323.680 100 32.650.109 100,00 29.304.939 100,00
Total
PEMBIAYAAN KEGIATAN USAHA FINANCING SUSTAINABLE BUSINESS ACTIVITIES
BERKELANJUTAN
Bank berkomitmen untuk terus mendorong The Bank is committed to continuing to
peningkatan keberlanjutan melalui pembiayaan contribute to the improvement of sustainability by
kegiatan usaha yang memenuhi prinsip keuangan financing business activities that comply with the
berkelanjutan. Dalam mengimplementasikan principles of sustainable finance. In implementing
komitmen ini, Bank memiliki beberapa kebijakan this commitment, the Bank has a number of
dalam proses persetujuan kredit bagi kegiatan policies in the credit approval process for business
usaha yang menjalankan prinsip-prinsip activities that implement sustainability principles,
keberlanjutan, antara lain: including:
1. Memastikan bahwa semua debitur telah 1. Ensure that all debtors have passed the
lulus penilaian risiko sosial dan lingkungan environmental and social risk assessment in the
hidup dalam Environmental and Social Risk Environmental and Social Risk Management
Management System (ESMS); System (ESMS);
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About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
2. Memastikan debitur telah memenuhi 2. Ensure that the debtor has fulfilled the
persyaratan Analisis Dampak Lingkungan requirements of Environmental Impact
(AMDAL); serta Assessment (AMDAL); and
3. Tidak memberikan pembiayaan pada debitur 3. Do not provide financing to borrowers or
atau industri yang tidak ramah lingkungan industries that are not environmentally friendly
maupun yang tergolong dalam exclusion list. or are on the exclusion list.
Selama tahun 2023, Bank telah memberikan In 2023, the Bank provided financing to several
pembiayaan kepada beberapa debitur dengan borrowers in sectors related to sustainable finance
sektor-sektor terkait keuangan berkelanjutan with a positive social impact, including MSMEs,
yang memberi dampak positif terhadap aspek the health sector, the education sector, and the
sosial antara lain, UMKM, sektor kesehatan, financial institutions sector (BPR and venture
sektor pendidikan dan sektor institusi keuangan funds). In percentage terms, there was an increase
(BPR dan Dana Ventura). Secara persentase in financing of sustainable business activities of
terjadi peningkatan pembiayaan kegiatan usaha 45.6% from Rp3.31 trillion to Rp4.82 trillion.
berkelanjutan 45,6% dari Rp3,31 triliun menjadi
Rp4,82 triliun.
Pembiayaan Kegiatan Usaha Berkelanjutan terhadap Total Kredit [F.3]
Financing of Sustainable Business Activities to Total Loans [F.3]
Kategori Satuan
2023 2022 2021
Category Unit
Total Pembiayaan Kegiatan Usaha Rp Juta 4.770.083 3.311.429 6.512.725
Berkelanjutan Rp Million
Total Financing of Sustainable Business
Activities
Pembiayaan Kegiatan Usaha Berkelanjutan % 14,28 10,14 22,23
Terhadap Total Kredit
Financing of Sustainable Business Activities to
Total Loans
Pembiayaan Kegiatan Usaha Berkelanjutan Tahun 2023 [F.3]
Financing to Sustainable Business Activities in 2023 [F.3]
Penyaluran Kredit
(Dalam Jutaan Rupiah)
Kegiatan Usaha Business Activities
Loan Disbursement
(In million Rupiah)
Energi Terbarukan - Renewable Energy
Efisiensi Energi 59.411 Energy Efficiency
Pencegahan dan Pengendalian Polusi 96.253 Polution Prevention and Control
Pengelolaan Sumber Daya Alam - Sustainable Management of Living
Hayati dan Penggunaan Lahan yang Natural Resources and Land Use
Berkelanjutan
Konservasi Keanekaragaman Hayati dan - Conservation of Biodiversity and Water
Air
Transportasi Ramah Lingkungan 1.006.616 Environmentally Friendly Transportation
Pengelolaan Air dan Air Limbah yang 877.932 Sustainable Water and Wastewater
Berkelanjutan Management
Adaptasi Perubahan Iklim - Adaptation to Climate Change
Produk yang Dapat Mengurangi Sumber 691.444 Products that Can Reduce Resources and
Daya dan Menghasilkan Lebih Sedikit Produce Less Pollution (Eco-efficient)
Polusi (Eco-efficient)
Bangunan Berwawasan Lingkungan 304.031 Environmentally Sound Buildings
yang Memenuhi Standar atau Sertifikasi that Meet Nationally, Regionally, or
yang Diakui Secara Nasional, Regional, Internationally Recognised Standards or
atau Internasional Certifications
Kegiatan Usaha dan/atau Kegiatan Lain - Business Activities and/or Other
yang Berwawasan Lingkungan Lainnya Environmentally Sound Activities
Kegiatan UMKM 1.894.978 MSME activities
68 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Pembiayaan Kegiatan Usaha Berkelanjutan Berdasarkan Skala Usaha Dalam Jutaan Rupiah
Financing of Sustainable Business Activities Based on Business Scale) In million Rupiah
Non-UMKM UMKM
Kegiatan Usaha Non-SME SME
Business Activities
2023 2022 2021 2023 2022 2021
Energi Terbarukan - 2.522 402.520 - - -
Renewable Energy
Efisiensi Energi 15.221 61.178 70.705 - - -
Energy Efficiency
Pencegahan dan 36.159 149.407 83.836 - - -
Pengendalian Polusi
Polution Prevention and
Control
Pengelolaan Sumber Daya - 48.323 63.129 - - -
Alam Hayati dan Penggunaan
Lahan yang Berkelanjutan
Sustainable Management of
Living Natural Resources and
Land Use
Konservasi Keanekaragaman - - - - - -
Hayati dan Air
Conservation of Biodiversity
and Water
Transportasi Ramah 567.544 927.248 789.318 - - -
Lingkungan
Environmentally Friendly
Transportation
Pengelolaan Air dan Air 875.838 - 3.754 - - -
Limbah yang Berkelanjutan
Sustainable Water and
Wastewater Management
Adaptasi Perubahan Iklim - - - - - -
Adaptation to Climate
Change
Produk yang Dapat 827.482 357.143 - - - -
Mengurangi Sumber Daya
dan Menghasilkan Lebih
Sedikit Polusi (Eco-efficient)
Products that Can Reduce
Resources and Produce Less
Pollution (Eco-efficient)
Bangunan Berwawasan 174.513 - - - - -
Lingkungan yang Memenuhi
Standar atau Sertifikasi
yang Diakui Secara Nasional,
Regional, atau Internasional
Environmentally Sound
Buildings that Meet
Nationally, Regionally, or
Internationally Recognised
Standards or Certifications
Kegiatan Usaha dan/ - - - - - -
atau Kegiatan Lain yang
Berwawasan Lingkungan
Lainnya
Business Activities and/or
Other Environmentally Sound
Activities
Kegiatan Lainnya - - - 1.969.167 1.765.607 5.099.463
Other Activities
Jumlah 2.496.758 1.545.822 1.413.262 1.969.167 1.765.607 5.099.463
Total
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 69
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Selain itu, Bank Hana juga memberikan kredit In addition, Hana Bank also provides credit to
terhadap kegiatan usaha yang memenuhi prinsip- business activities that fulfill the principles of
prinsip keberlanjutan berdasarkan penilaian sustainability based on the assessment of the
International Finance Corporation (IFC), dengan International Finance Corporation (IFC), with the
rincian sebagai berikut: following details:
Indikasi Portfolio
Sektor Industri Indikasi Portfolio
Industry Sector Jumlah (Rp Juta) Persentase (%)
Total (Rp Rp Million) Percentage (%)
Agriculture 869.651 2,53
Wearing Apparel, Dressing, and Dyeing of Fur 843.356 2,46
Manufacture of Chemicals and Chemical Products 1.195.430 3,48
Manufacture of Motor Vehicles, Trailers, and Semi-Trailers 340.755 0,99
Manufacture of Other Transport Equipment 887 0,00
Construction and Real Estate 4.832.167 14,08
Food and Beverages 1.339.749 3,90
Electronics 832.231 2,42
Textiles 1.254.541 3,66
Manufacture of Basic Metals 851.391 2,48
Financial Intermediation and Insurances 4.060.570 11,83
Fishing, Aquaculture, and Service Activities Incidental to Fishing 14.051 0,04
Forestry - -
Furniture 509.957 1,49
Office, Accounting, and Computing Machinery 7.563 0,02
Tanning and Dressing of Leather 1.303.249 3,80
Machinery and Equipment N.E.C. 217.824 0,63
Other Non-Metallic Mineral Products 523.296 1,52
Oil, Gas, and Mining 1.309.237 3,81
Rubber and Plastics Products 1.253.847 3,65
Publishing, Printing, and Reproduction of Recorded Media 48.209 0,14
Paper and Paper Products 1.046.915 3,05
Post and Telecommunications 68.524 0,20
Transportation and Warehousing 1.400.702 4,08
Wholesale and Retail Trade 3.902.074 11,37
Hotel and Restaurant Related Services 1.060.134 3,09
Electricity, Gas, and Water Supply 1.182.565 3,45
Recycle 88 0,00
Public Administration and Defence; Compulsory Social Security - -
Manufacture of Tobacco Products - -
Others 4.054.719 11,81
Dalam penerapan keuangan berkelanjutan, In implementing sustainable finance, the Bank
Bank memiliki dukungan dari Dewan Direksi dan has the support of the Bank’s Board of Directors
Komisaris Bank dalam mencapai tujuan RAKB, and Commissioners in achieving the objectives
selain itu hubungan baik dengan pihak eksternal of the RAKB, in addition to good relationships
yang memiliki kompetensi seperti IFC, Regulator with relevant external parties such as the IFC,
dan parent company KEB Hana Bank Korea juga regulators, and the parent company, KEB Hana
memberikan kontribusi positif bagi pelaksanaan Bank Korea, which also contribute positively to the
RAKB. implementation of the RAKB.
70 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Beberapa hal yang memerlukan peningkatan One of the things that needs to be improved in
dalam penerapan RAKB antara lain penyeragaman the implementation of the RAKB is the level of
pengetahuan terhadap kebijakan keuangan knowledge of sustainable finance policies among
berkelanjutan baik terhadap karyawan Bank both bank staff and borrowers, due to the lack
maupun debitur akibat minimnya informasi of information available to the public. In order to
yang ada pada publik. Untuk memitigasi mitigate these challenges, the Bank continues to
tantangan-tantangan tersebut tersebut, Bank conduct regular socialization of relevant business
terus melakukan sosialisasi secara berkala terkait units and potential borrowers on existing and
kebijakan yang ada maupun yang baru dikeluarkan new policies issued by the regulator. The Bank will
oleh Regulator kepada unit-unit bisnis terkait dan continue to strive to improve the competence of
calon-calon debitur. Bank akan terus berusaha its human resources through training on social
untuk meningkatkan kompetensi SDM dengan and environmental risks and sustainable finance.
mengikuti pelatihan-pelatihan terkait risiko sosial [E.5]
dan lingkungan serta keuangan berkelanjutan.
[E.5]
NILAI EKONOMI LANGSUNG YANG DIHASILKAN DIRECT ECONOMIC VALUE GENERATED
Bank Hana berkomitmen untuk terus Hana Bank is committed to continuously improving
meningkatkan kinerja ekonomi agar dapat its economic performance to deliver benefits to its
memberikan manfaat kepada para pemangku stakeholders. The economic value generated and
kepentingan. Adapun nilai ekonomi yang distributed to stakeholders is as follows:
dihasilkan dan didistribusikan kepada pemangku
kepentingan sebagai berikut:
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in millions of rupiah, unless otherwise stated)
Pertumbuhan
Growth
Uraian 2023 2022 Description
Rp %
Pendapatan dan Beban Operating Income and
Operasional Expenses
Pendapatan Bunga 3.043.034 2.506.093 536.941 21,43 Interest Income
Beban Bunga (1.318.847) (709.980) 608.867 85,76 Interest Expense
Pendapatan Bunga – 1.724.187 1.796.113 (71.926) (4,00) Interest Income – Net
Neto
Pendapatan Operasional Other Operating Income
Lainnya
Provisi dan Komisi selain 126.771 168.653 (41.882) (24,83) Fees and Commissions
dari Kredit Not Related to Loans
Keuntungan Transaksi 72.412 52.703 19.709 37,40 Gain on Foreign
Mata Uang Asing - Neto Exchange - Net
Keuntungan Penjualan 38.774 34.725 4.049 11,66 Gain on Sale of Securities
Efek-Efek
(Kerugian)/Keuntungan 5.665 (1.474) 7.139 (484,33) (Loss)/Gain from Changes
dari Perubahan Nilai in Fair Value of Financial
Wajar atas Instrumen Instruments at Fair Value
Keuangan yang Diukur Through Profit or Loss
pada Nilai Wajar Melalui - Net
Laba Rugi - Neto
Lain-lain - Neto (12.319) (37.551) (25.232) (67,19) Others – Net
Total Pendapatan 231.303 217.056 14.247 6,56 Total Other Operating
Operasional Lainnya Income
Cadangan Kerugian (54.024) (302.432) (248.408) (82,14) Allowance for
Penurunan Nilai Impairment Losses
Beban Operasional Other Operating
Lainnya Expenses
Beban Umum dan (786.553) (674.372) 112.181 16,63 General and
Administrasi Administrative Expense
Beban Tenaga Kerja (503.921) (445.404) 58.517 13,14 Personnel Expenses
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 71
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
(dalam jutaan rupiah, kecuali dinyatakan lain)
(in millions of rupiah, unless otherwise stated)
Pertumbuhan
Growth
Uraian 2023 2022 Description
Rp %
Total Beban Operasional (1.290.474) (1.119.776) 170.698 15,24 Total Other Operating
Lainnya Expenses
Laba Operasional 610.992 590.961 20.031 3,39 Operating Income
Pendapatan (Beban) Non-Operating Income
Non-Operasional (Expense)
Keuntungan/(Kerugian) (683) (6.930) 6.247 (90,14) Gain/(Loss) on Sale and
Penjualan dan Writeoff
Penghapusan Aset Tetap of Fixed Assets – Net
- Neto
Lain-lain - Neto 6.252 14.446 (8.194) (56,72) Others – Net
Pendapatan (Beban) 5.569 7.516 (1.947) (25,90) Non-Operating Income
Non- Operasional - Neto (Expense) - Net
Laba Sebelum Beban 616.561 598.477 18.084 3,02 Income Before Tax
Pajak Expense
Beban Pajak (163.352) (140.883) (22.469) 15,95 Tax Expense
Laba Bersih 453.209 457.594 (4.385) (0,96) Net Income
Penghasilan Other Comprehensive
Komprehensif Lain Income
Pos yang Tidak akan (2.670) 3.547 (6.257) -174,43 Item that Will Not Be
Direklasifikasi ke Laba Reclassified to Profit of
Rugi Loss
Pos yang akan 1.350 (98.886) 100.236 -101,37 Item that Will Be
Direklasifikasi ke Laba Reclassified to Profit of
Rugi Loss
Penghasilan (1.320) (95.299) 93.979 (98,61) Other Comprehensive
Komprehensif Lain Income – Net
- Neto
Laba Komprehensif 451.889 362.295 89.594 124,73 Comprehensive Income
Tahun Berjalan for the Year
Laba per Saham Dasar 143,42 144,80 (1,38) (0,95) Basic Earnings per Share
(Nilai Penuh) (Full Amount)
PELAYANAN TERBAIK KEPADA NASABAH THE BEST SERVICE TO CUSTOMERS
Bank Hana berkomitmen untuk memberikan Hana Bank is committed to providing the best
pelayanan yang terbaik kepada nasabah melalui service to customers through quality, innovative,
produk dan jasa yang berkualitas, inovatif, dan and useful products and services. The Bank
bermanfaat. Bank juga memberikan perlakukan also provide the same and equal treatment
yang sama dan setara kepada seluruh nasabah to all customers by implementing a Standard
dengan menerapkan Standard Operational Operational Procedure (SOP) when considering the
Procedure (SOP) atau standar prosedur operasi fulfillment of the Service Level Agreement (SLA).
dalam memperhatikan pemenuhan Service Level The Bank also endeavor to ensure the security of
Agreement (SLA). Kami juga berupaya untuk customer deposits and protect customer privacy.
menjamin keamanan dana simpanan nasabah [F.17]
serta melindungi privasi nasabah. [F.17]
Manfaat Produk dan Layanan Benefits of Products and Services
Bank Hana hadir dalam persaingan industri Hana Bank is present in the competitive banking
perbankan di Indonesia dan menawarkan industry in Indonesia and offers a wide range of
berbagai layanan perbankan yang bermanfaat. useful banking services. The Bank helps individual
Bank membantu nasabah individu dan korporasi and corporate customers meet their transaction
untuk memenuhi kebutuhan transaksi mereka needs through deposit and loan products. The
melalui produk simpanan dan pinjaman. Bank juga Bank also provide asset management services
menyediakan layanan pengelolaan aset melalui through bancassurance, mutual funds, bonds, and
produk bancassurance, reksa dana, obligasi, dan fund manager products. In addition, there are also
72 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
fund manager. Selain itu, terdapat pula beberapa several other services that customers can utilize
layanan lainnya yang dapat dimanfaatkan nasabah according to their needs and lifestyles, including
sesuai kebutuhan dan gaya hidupnya, termasuk foreign exchange banking services. Information
layanan bank devisa. Adapun informasi terkait related to products and services is available in
produk dan layanan telah diinformasikan secara detail through the website, as well as through
detail melalui situs web, serta penjelasan secara direct explanations of the benefits of products and
langsung manfaat dari produk dan layanan oleh services by Bank’s sales support. [F.28]
sales support Bank. [F.28]
KEAMANAN, PRIVASI, DAN PERLINDUNGAN SECURITY, PRIVACY, AND CUSTOMER
NASABAH [F.27] PROTECTION [F.27]
Untuk mendapatkan kepercayaan dari nasabah, In order to gain the trust of its customers, the
Bank harus memberikan jaminan keamanan Bank must guarantee the safety of the customer’s
dana nasabah yang disimpan serta menjamin deposited funds and ensure the confidentiality
kerahasiaan dan keamanan informasi nasabah and security of the customer’s information
yang dikelola oleh Bank. Dalam menjamin managed by the Bank. In order to ensure the safety
keamanan dana nasabah, setiap transaksi of customer funds, every customer transaction has
nasabah telah dijamin keamanannya karena Bank been secured by the Bank’s membership in the
telah menjadi anggota dalam Lembaga Penjamin Deposit Insurance Corporation (LPS). Membership
Simpanan (LPS). Dengan menjadi anggota LPS, in the LPS helps to mitigate some of the Bank’s
beberapa risiko Bank dapat dimitigasi sehingga risks, providing security for customer funds and
dapat memberikan kepastian akan dana dan data in the event of an unexpected.
data nasabah, apabila terjadi sesuatu yang tidak
diinginkan.
Dalam menjamin kerahasiaan data dan informasi In ensuring the confidentiality of customer data
nasabah, Bank Hana telah berhasil meraih and information, Hana Bank has successfully
sertifikasi ISO/IEC 27001:2013 yang diterbitkan achieved ISO/IEC 27001:2013 certification issued
British Standards Institute (BSI) sebagai by the British Standards Institute (BSI) as a
standar yang diakui secara global untuk Sistem globally recognized standard for Information
Manajemen Keamanan Informasi. Pencapaian ini Security Management Systems. This achievement
membuktikan salah satu komitmen Bank Hana is a testament to Hana Bank’s commitment to
dalam menjaga kerahasiaan (confidentiality), the confidentiality, integrity, and availability of
integritas (integrity), dan ketersediaan (availability) corporate information.
informasi perusahaan.
Sertifikasi ISO 27001:2013 mencerminkan ISO 27001:2013 certification reflects Hana Bank’s
komitmen Bank Hana dalam melindungi data commitment to protecting customer data and
nasabah dalam menjaga keamanan informasi maintaining information security as part of a
yang merupakan bagian dari proses sertifikasi rigorous certification process related to the Bank’s
yang ketat terkait sistem, kebijakan serta systems, policies, and practices that have been
praktik Bank yang telah diuji dan dinilai secara independently tested and assessed to demonstrate
independen untuk menunjukan kepatuhan dalam compliance with applicable laws and regulations.
memenuhi peraturan perundang-undangan dan In practice, this certification assists Hana Bank in
regulasi yang berlaku. Pada praktiknya, sertifikasi managing and mitigating security risks or threats
ini membantu Bank Hana dalam mengelola and is expected to increase customer and partner
dan memitigasi risiko atau ancaman keamanan, confidence in using Hana Bank’s products and
sehingga diharapkan dapat meningkatkan services, especially digital banking products. The
kepercayaan nasabah dan mitra kerja untuk Bank is also actively involved in informing and
menggunakan produk dan layanan Bank Hana reminding customers about fraud threats.
khususnya pada produk perbankan digital. Bank
juga turut aktif dalam memberikan informasi
sekaligus mengingatkan nasabah terkait
ancaman-ancaman penipuan.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 73
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Inovasi dan Pengembangan Produk dan Innovation and Development of Products and
Layanan [F.26] Services [F.26]
Salah satu fokus pengembangan produk Bank One of the focuses of the Bank’s product
ialah layanan perbankan digital. Produk layanan development is digital banking services. In 2020,
perbankan digital telah diluncurkan pada tahun Hana Bank introduced LINE Bank, a digital banking
2020 bernama LINE Bank by Hana Bank. Layanan service product. The digital banking service is
perbankan digital ditujukan untuk memperluas aimed at expanding the services available to retail
layanan yang dapat dimanfaatkan nasabah ritel customers through LINE users, attracting young
melalui pengguna LINE, menarik pelanggan customers who already have bank products, and
muda yang telah memiliki produk Bank, serta attracting users who do not have bank products
menarik pengguna yang belum memiliki produk but understand technology. In addition, Hana Bank
Bank tetapi memahami teknologi. Selain itu, Bank has also provided a QRIS-based cashless payment
Hana juga telah menyediakan fitur pembayaran feature on MyHana Mobile Banking called Hana
non-tunai berbasis QRIS pada MyHana Mobile Qpay. In 2022, the Quick Credit LINE service was
Banking yang dinamakan Hana Qpay. Pada Tahun launched by Hana Bank to provide quick and easy
2022, diluncurkan layanan Quick Credit LINE Bank loans to customers.
By Hana Bank untuk memberikan pinjaman cepat
dan mudah kepada nasabah.
Tahun 2023, Bank Hana melakukan inovasi dalam In 2023, Hana Bank innovated with the addition
penambahan fitur MyHana Mobile Banking yang of the MyHana Mobile Banking feature called
bernama Hana AIdvisor sebuah layanan transaksi Hana AIdvisor, a digital service for the transaction
reksa dana secara digital. Selain itu, LINE Bank of mutual funds. In addition, LINE Bank by Hana
by Hana Bank meluncurkan kartu debit dengan Bank launched a debit card with BT21 characters,
karakter BT21 dengan nama LINE Bank Debit called LINE Bank Debit card with BT21, by offering
card with BT21 dengan menghadirkan promo dan attractive promotions and programmes to its
program menarik bagi para penggunanya. users.
Layanan perbankan digital Bank Hana telah Hana Bank’s digital banking services have been
dilengkapi dengan Credit Scoring System (CSS) equipped with a Credit Scoring System (CSS) that
yang digunakan untuk melayani kebutuhan dana is used to serve the needs of credit funds and
kredit dan meningkatkan aksesibilitas digital. increase digital accessibility. CSS utilizes 3 types of
CSS menggunakan 3 jenis sumber daya yang resources that are expected to increase prudence
diharapkan dapat meningkatkan kehati-hatian in the assessment of prospective customers. The
dalam penilaian terhadap calon nasabah. Adapun development of quality and reliable digital banking
pengembangan layanan perbankan digital yang services is based on a roadmap that is divided into
berkualitas dan dapat diandalkan dilakukan three phases, namely:
berdasarkan roadmap yang dibagi dalam tiga fase,
yakni:
74 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Phase 3
(-2024)
Phase 1
(2021-2022) Business Stabilization
Phase 1 Pertumbuhan Laba
Business Acceleration
(2021) Profit Growth
Diversifikasi Produk + Akuisisi Nasabah
Business Establishment Product Diversification + Customer Acquisition
Pengembangan dan peningkatan manajemen risiko untuk meningkatkan kenyamanan nasabah
Development and ehancement of risk management to increase customer convenience
• Peluncuran perbankan digital; • Akuisisi nasabah mass market • Meningkatkan profit dan
Business • Fokus terhadap stabillitas melalui produk pinjaman; Mencapat BEP;
sistem dan operation excellent. • Memperluas kerja sama. • Meningkatkan loyalitas nasabah
Direction • Launch of digital banking; • Acquisition of mass market dengan diversifikasi produk.
• Focus on system stability and customers through loan • Increase profit and achieve BEP;
operation excellence. products; • Increase customer loyalty by
• Extending cooperation. diversifying products.
Mass Market + LINE Up
Customer
+ TKI and Premium Segement
+ Deposit Preferred Customer + Loan Preferred Customer
(WM)
Fully Digital Onboarding + Future Saving Group Account + Digital Wealth Management
Saving and Deposits + Quick Cash (Cash Loan) + Micro SME and Supply Chain
Product
Debit and Payments Cards + Deposit Preferred Customer + Mortgage and e-Auto Loan
Business
Strategy
GR Payment International Remittances
• Keamanan dan infrastruktur • Credit scoring dan sistem • Big data dan teknologi AI;
TI, termasuk AML dan FDS; verifikasi; • Contiuous Improvement on
• Aplikasi perbankan digital; • Collection system yang Credit Scoring.
System • Sistem Kartu memadai. • Big data and AI technology;
• IT security and infrastructure, • Credit scoring and verification • Continuous Improvement on
including AML and FDS; system; Credit Scoring.
• Digital banking applications; • An adequate collection system.
• Card system.
Selain pengembangan layanan perbankan digital, In addition to the development of digital banking
Bank juga terus meningkatkan performa kanal services, the Bank also continues to improve the
elektronik existing. Peningkatan kemampuan dan performance of existing electronic channels. The
pengembangan kanal elektronik Bank seperti improvement and development of the Bank’s
mobile banking, internet banking dan lainnya electronic channels, such as mobile banking,
diharapkan dapat memberikan kemudahan bagi internet banking, and others, are expected to
nasabah dalam melakukan transaksi perbankan provide convenience for customers in conducting
tanpa harus melakukan interaksi fisik. banking transactions without having to have
physical interaction.
Fokus Bank selanjutnya ialah meningkatkan The Bank’s next focus is to increase fee-based
pendapatan dari fee-based income, tidak hanya income rather than relying solely on interest
bergantung dari pendapatan bunga saja. Bank income. The Bank plans to increase the portion of
berencana memperbesar porsi fee-based income fee-based income derived from existing businesses
yang berasal dari bisnis eksisting seperti jasa such as remittance services and commissions
remitansi maupun komisi dari penjualan produk from the sale of bancassurance products and
bancassurance dan reksa dana. Bank juga mutual funds. The Bank also plans to become a
berencana menjadi Sub Registry untuk Surat subregistry for government-issued securities.
Berharga yang diterbitkan Pemerintah.
Pada tahun 2024, Bank berencana untuk In 2024, the Bank plans to launch various products
menerbitkan berbagai produk untuk menciptakan to provide customers with convenience in their
kemudahan bagi nasabah dalam bertransaksi transactions, thereby increasing customer safety
sehingga dapat meningkatkan keamanan dan and comfort. The new products and services are
kenyamanan nasabah. Produk dan layanan baru also aimed at increasing business growth in line
tersebut juga ditujukan untuk meningkatkan with the Bank’s previously set targets.
pertumbuhan bisnis sejalan dengan target yang
telah ditetapkan Bank sebelumnya.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 75
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Luncurkan Fitur Hana Aldvisor, Jadi Bank Pertama di Indonesia yang Gunakan Fitur Robo Advisor
With the Launch of Hana Aldvisor Feature, Hana Bank Becomes the First Bank in Indonesia to Use Robo Advisor
Feature
PT Bank KEB Hana Indonesia (Bank Hana) terus PT Bank KEB Hana Indonesia (Hana Bank) continues
mengembangkan aplikasi MyHana Mobile Banking to develop the MyHana Mobile Banking application to
demi memenuhi kebutuhan layanan perbankan digital meet the needs of digital banking services for customers,
bagi nasabah, salah satunya dengan menghadirkan one of which is by presenting an electronic mutual fund
fitur transaksi Reksa Dana secara elektronik bernama transaction feature called Hana AIdvisor. Hana Bank
Hana AIdvisor. Bank Hana menjadi bank pertama di became the first bank in Indonesia to use the robo advisor
Indonesia yang menggunakan fitur robo advisor untuk feature to provide a new experience for customers when
memberikan pengalaman baru bagi nasabah dalam transacting mutual fund investment products.
bertransaksi produk investasi Reksa Dana.
Transaksi Reksa Dana secara online melalui MyHana Online mutual fund transactions through MyHana
Mobile Banking sebagai media yang dilengkapi dengan Mobile Banking can be used by the Bank’s customers as
fitur advisory. Di mana dengan fitur ini nasabah akan a medium equipped with an advisory feature. With this
mendapatkan pertimbangan untuk portofolio produk- feature, the customer will receive advice for a portfolio
produk Reksa Dana yang berpotensi membantu of mutual fund products that have the potential to help
mengoptimalkan portfolio Nasabah. Sehingga fitur Hana optimize the customer’s portfolio. Thus, the Hana AIdvisor
AIdvisor dapat membantu Nasabah memulai perjalanan feature can help customers start their investment journey
investasinya dengan memberikan pertimbangan dan by providing advice and analysis of the investment
analisa terhadap pilihan investasi yang akan diambil. choices to be made.
Melalui fitur advisory, profil risiko Nasabah diukur saat
nasabah melakukan pengisian data, data tersebut Through the advisory feature, the customer’s risk profile
kemudian digunakan sebagai dasar analisa yang is measured when the customer fills in the data, and the
dicocokan dengan kondisi pasar teraktual. Lebih lanjut, data is then used as the basis for analysis that is aligned
fitur advisory akan memberikan pertimbangan investasi with actual market conditions. In addition, the advisory
yang sesuai dengan profil risiko nasabah sehingga feature will provide investment considerations that are in
Nasabah dapat melakukan mitigasi risiko sebelum line with the customer’s risk profile so that the customer
bertransaksi pada produk investasi Reksa Dana di Bank can mitigate risks before transacting in mutual fund
Hana. investment products at Hana Bank.
Evaluasi Produk dan Layanan Evaluation of Products and Services
Bank senantiasa melakukan evaluasi secara rutin The Bank conducts regular evaluations of
atas produk dan layanan e-channel dan digital, e-channel and digital products and services,
baik dari aspek bisnis maupun operasional dan both from the business and operational and
teknologi. Bank akan menyesuaikan dengan technological aspects. The Bank will adapt to the
perkembangan layanan e-channel dan digital, development of e-channels and digital services,
serta senantiasa memperbaharui teknologi yang constantly updating the technology that supports
tidak hanya menunjang bisnis dan operasional, not only business and operations but also security
namun juga keamanan dan kenyamanan untuk and convenience for customers.
para nasabah.
Produk dan Layanan Ditarik Recalled Products and Services
Selama tahun 2023, Bank telah memberikan In 2023, the Bank provided financing to several
pembiayaan kepada beberapa debitur dengan borrowers in sectors related to sustainable finance
sektor-sektor terkait keuangan berkelanjutan with a positive social impact, including MSMEs,
yang memberi dampak positif terhadap aspek the health sector, the education sector, and the
sosial antara lain, UMKM, sektor kesehatan, financial institutions sector (BPR and venture
sektor pendidikan dan sektor institusi keuangan funds). In percentage terms, there was an increase
(BPR dan Dana Ventura). Secara persentase in financing of sustainable business activities
terjadi peningkatan pembiayaan kegiatan of 44.04% from Rp3.31 trillion to Rp4.77 trillion.
usaha berkelanjutan 44,04% dari Rp3,31 triliun Followed by an increase in MSME loans by 7.33%
menjadi Rp4,77 triliun. Diikuti peningkatan kredit from Rp1.76 trillion to Rp1.89 trillion.
UMKM sebesar 7,33% dari Rp1,76 triliun menjadi
Rp1,89 triliun.
76 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Perlakuan yang Setara kepada Seluruh Nasabah Equal Treatment for All Customers
Dalam memberikan pelayanan kepada nasabah, The Bank follow Standard Operating Procedures
Bank menerapkan Standar Operasional Prosedur (SOPs) and Service Level Agreements (SLAs) when
(SOP) dan memperhatikan pemenuhan Service providing services to our customers. This means
Level Agreement (SLA). Hal ini berarti bahwa that every customer receives equal and non-
setiap nasabah akan mendapatkan perlakuan discriminatory treatment from every Hana Bank
yang setara dan tanpa diskriminasi dari setiap employee.
karyawan Bank Hana.
Komitmen Menjaga Kerahasiaan Data Nasabah Commitment to Maintain Customer Data
Confidentiality
Kepercayaan nasabah merupakan hal yang Customer trust is important to the sustainability
penting dalam menjaga keberlangsungan of the Bank’s business. Therefore, the Bank are
usaha Bank. Oleh sebab itu, Bank berkomitmen committed to ensuring the confidentiality and
untuk menjamin kerahasiaan dan keamanan security of customer information managed by
informasi nasabah yang dikelola oleh Bank Hana. Hana Bank. The implementation refers to 1. Law
Pelaksanaannya mengacu kepada: 1. Undang- No. 7 of 1992 on Banking, as well as its amendment
Undang No. 7 Tahun 1992 tentang Perbankan, in Law No. 10 of 1998; 2. Bank Indonesia Regulation
serta perubahannya dalam Undang-Undang No. No. 2/19/PBI/2000 on Requirements and
10 Tahun 1998; 2. Peraturan Bank Indonesia No. Procedures for Granting Written Orders or Permits
2/19/PBI/2000 tentang Persyaratan dan Tata Cara to Open Confidential Information of Banks; and 3.
Pemberian Perintah atau Izin Tertulis Membuka OJK Regulation No. 6/POJK.07/2013 on Consumer
Rahasia Bank; serta 3. Peraturan OJK No. 6/ Protection in the Financial Services Sector and its
POJK.07/2013 tentang Perlindungan Konsumen Derivative Regulations.
Sektor Jasa Keuangan, serta peraturan turunannya
Jaminan Keamanan Dana Simpanan Nasabah Security Guarantee of Customer Deposits
Upaya lain yang dilakukan guna menjaga Another effort made to maintain customer trust
kepercayaan nasabah yakni dengan menjamin is to ensure the security of customer funds that
keamanan dana nasabah yang menggunakan use deposit services provided by Hana Bank. In
layanan simpanan yang disediakan Bank order to ensure the safety of customer funds,
Hana. Setiap transaksi nasabah telah dijamin every customer transaction has been secured by
keamanannya karena Bank telah menjadi the Bank’s membership in the Deposit Insurance
anggota dalam Lembaga Penjamin Simpanan Corporation (LPS). Membership in the LPS helps
(LPS). Oleh karena keanggotaan tersebut, to mitigate some of the Bank’s risks, providing
beberapa risiko Bank dapat dimitigasi sehingga security for customer funds and data in the event
dapat memberikan kepastian akan data dan of an unexpected.
dana nasabah, apabila terjadi sesuatu yang tidak
diinginkan pada Bank Hana.
Edukasi Nasabah Customer Education
Sebagai komitmen dalam meningkatkan As part of its commitment to increase
wawasan sekaligus memperkenalkan produk understanding when introducing new banking
dan layanan perbankan baru yang dimiliki Bank, products and services owned by the bank, Hana
Bank Hana secara berkala melaksanakan kegiatan Bank regularly conducts educational activities
edukasi melalui berbagai saluran komunikasi, through various communication channels,
antara lain: including:
• Mengirimkan e-mail kepada nasabah yang • Send e-mails to customers containing
berisi edukasi terhadap kejahatan perbankan, education with regard to banking crimes,
edukasi layanan perbankan, serta ucapan hari banking services education, and holiday
raya atau hari libur besar; greetings;
• Mengirimkan pesan singkat telepon genggam • Send mobile phone short messages (SMS) to
(SMS) kepada nasabah secara berkala customers on a regular basis regarding the
mengenai informasi terkini dari fitur dan latest information on the Bank’s features and
layanan Bank; services;
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 77
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
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Performance
• Menyampaikan imbauan kepada nasabah • Communicating appeals to customers through
melalui website, serta fitur mobile dan internet the website, as well as mobile and internet
banking; banking features;
• Menyediakan layanan terbuka bagi nasabah • Providing access services for customers who
yang ingin mendapatkan informasi melalui want to get information through Call Hana at
Call Hana di nomor 1-500-021; serta 1-500-021; and
• Menyediakan informasi kepada nasabah • Provide information to customers through
melalui poster pengumuman yang dipasang di announcement posters posted at branch
kantor cabang. offices.
Sarana Pengaduan Nasabah Customer Complaint Facilities
Sebagai bentuk komitmen dalam peningkatan As a form of commitment to improving the quality
kualitas produk dan layanan, Bank Hana of products and services, Hana Bank provides a
menyediakan sarana pengaduan yang dapat complaint facility to receive suggestions, input,
menerima saran, masukan, dan keluhan dari and complaints from customers. This tool is then
nasabah. Sarana ini kemudian dijadikan sebagai used as an evaluation for the Bank to improve
evaluasi bagi Bank untuk meningkatkan services while mitigating customer complaints.
pelayanan sekaligus memitigasi hal-hal yang Each complaint report will be handled in
menjadi keluhan nasabah. Adapun setiap laporan accordance with the Bank’s internal policies. The
pengaduan akan diproses berdasarkan kebijakan Bank encourages customers who have complaints
internal Bank. Bank menghimbau nasabah yang to submit their reports promptly through Hana
memiliki keluhan untuk segera menyampaikan Bank’s official website, e-mail: customervoice@
laporannya melalui website resmi Bank Hana, hanabank.co.id and help@linebank.co.id, and
e-mail: customervoice@hanabank.co.id dan Call Hana at 1-500-021. The following are the
help@linebank.co.id serta menghubungi Call means of handling customer complaints and the
Hana di nomor 1-500-021. Berikut adalah sarana mechanism for handling customer complaint
pengaduan nasabah disertai dengan mekanisme reports: [F.24]
penanganan laporan pengaduan nasabah: [F.24]
Call Hana E-mail
Jaringan Kantor Bank Hana
Hana Bank Office Network 1-500-021 customervoice@hana.co.id
help@linebank.co.id
Pemeriksaan Kelengkapan
Pengaduan Diterima Verifikasi Data Nasabah Dokumen*
Complaints Received Customer Data Verification Document Completeness
Check
* Maks. 3 X 24 jam
* Max 3 X 24 hours
Nasabah
Customer
Pencatatan & Informasi
Investigasi dan
No. Registrasi Pengaduan
Penyelesaian Pengaduan Penyampaian Hasil kepada
dan SLA*
Settlement of Complaints Nasabah*
Registration & Information
Investigation and Delivery
of Complaint Number
of Results to Customers
and SLA
* Maks 20 hari kerja, dapat lebih * Melalui Formulir Pengaduan
(jika diperlukan) Nasional atau sistem Customer
* Max 20 working days or more Relationship Management
(if needed) (CRM)
* Through Customer Complaint
Form or Customer Relationship
Management (CRM) system
78 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Melalui sarana pengaduan tersebut, Bank Hana Through the complaint tool, Hana Bank received
menerima sebanyak 13.291 laporan pengaduan 13,291 customer complaint reports in 2023. The
nasabah di sepanjang tahun 2023. Keseluruhan entire complaint report was followed up on and
laporan pengaduan tersebut telah ditindaklanjuti resolved by Hana Bank.
dan diselesaikan oleh Bank Hana.
Persentase Tidak
Pengaduan yang Pengaduan yang
Lanjut
Diterima Ditindaklanjuti
Jenis Pengaduan Percentage of Type of Complaint
Received Follow-up
Follow-up Action
Complaint Complaint
(%)
Tabungan 932 932 100 Savings
Deposito 4 4 100 Deposits
Bancassurance 1 1 100 Bancassurance
Reksa Dana 3 3 100 Mutual Funds
Wealth - - - Wealth
Standing Instruction 2 2 100 Standing Instruction
Kredit Tanpa Agunan (KTA) 173 173 100 Unsecured Loans (KTA)
Kredit atau Pembiayaan Modal 10 10 100 Loans or Working Capital
Kerja Financing
Kredit Pemilikan Rumah/ - - - Home/Apartment Ownership
Apartemen Credit/Financing
Kegagalan atau Keterlambatan - - - Failure or Delay in Current
Transaksi Giro Account Transaction
Kegagalan atau Keterlambatan - - - Failure or Delay in RTGS
Transaksi RTGS Transaction
Kegagalan atau Keterlambatan 6.420 6.420 100 Failure or Delay in Electronic
Transaksi Electronic Banking Banking Transaction
Kegagalan/Keterlambatan/ 5.746 5.746 100 ATM Cards/Debit Cards/ATM
Ketidaksesuaian Transaksi Machine Transactions Failure/
Kartu ATM/Kartu Debit/Mesin Delay/Discrepancy
ATM
Jumlah 13.291 13.291 100 Total
Survei Kepuasan Nasabah [F.30] Customer Satisfaction Survey [F.30]
Survei kepuasan nasabah dilakukan secara rutin Customer satisfaction surveys are conducted
sebagai bentuk evaluasi terhadap pelayanan yang regularly as a form of evaluation of the services
disediakan Bank. Survei dilakukan secara mandiri provided by the Bank. The survey is conducted
oleh Bank Hana melalui pengisian kuesioner. independently by Hana Bank through
Hasilnya akan menjadi bahan pertimbangan questionnaires. The results will be taken into
bagi Bank untuk menyempurnakan produk dan consideration by the Bank to improve the
layanan yang diberikan ke depannya. Adapun products and services offered in the future. The
hasil pengukuran untuk tahun 2022 hingga 2023 measurement results for 2022–2023 are shown as
ditunjukkan sebagai berikut: follows:
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 79
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Indikator (Survey ® skor parameter)
Skor 2023 Skor 2022
Indicator (Survey ® score parameter)
Willingness to Recommend Hana Bank Friendly (%) 9,66 9,77
Tangible (%) 9,62 9,74
Responsiveness (%) 9,62 9,72
Knowledge (%) 9,60 9,72
Accuracy (%) 9,59 9,68
Customer Satisfaction of Hana Bank 9,62 9,73
Customer Experience of Hana Bank Complaint Complaint Handling - -
Performances - -
Process and Speed - -
JUMLAH
TOTAL 9,62 9,73
Jumlah Responden 799 nasabah dari 830 nasabah dari
Total Number of Respondent 38 Jaringan Kantor 41 Jaringan Kantor
Cabang Cabang
799 Customers from 830 Customers of 41
38 Branch Offices Branch Offices
80 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 81
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Kinerja Pengembangan Karyawan Performance of Employee Development
Page 85
Adispacing
Constecteur
Bank menerapkan praktik
ketenagakerjaan yang baik sesuai
dengan regulasi dan peraturan yang
berlaku, menciptakan lingkungan
kerja yang layak dan inklusif, dan
mengembangkan kompetensi karyawan
untuk menjaga persaingan di industri
perbankan.
To sustain competition in the banking business,
the Bank implements sound employment
practices in compliance with applicable rules,
creates a decent and inclusive work environment,
and develops staff competencies.
Page 86
Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Sumber Daya Manusia (SDM) merupakan aspek Human Resources (HR) is a critical component of
penting dalam keberlanjutan Bank yang perlu the Bank’s sustainability that must be handled
dikelola dan dikembangkan. Dengan memiliki and developed. Hana Bank can fulfill its objective
karyawan yang kompeten dan inovatif, Bank Hana of being a partner for life by having skilled and
dapat menggapai visi menjadi mitra seumur innovative employees who provide integrated
hidup, dengan menyediakan solusi keuangan financial solutions to customers while also creating
terintegrasi bagi nasabah dan menciptakan nilai- value for stakeholders.
nilai bagi para pemangku kepentingan.
Untuk mewujudkan visi tersebut, Bank To realize this vision, the Bank implements
menerapkan praktik ketenagakerjaan yang baik sound employment practices in compliance with
sesuai dengan regulasi dan peraturan yang berlaku applicable rules and creates a decent and inclusive
serta menciptakan lingkungan kerja yang layak work environment. These efforts are expected to
dan inklusif. Upaya-upaya ini diharapkan dapat increase morale, loyalty, and work productivity.
meningkatkan moral, loyalitas, dan produktivitas
kerja yang tinggi.
Dalam mengelola SDM, Bank Hana melakukannya Hana Bank manages human resources
secara profesional, objektif, berkelanjutan, professionally, objectively, sustainably, and
dan menyeluruh, sehingga tercipta SDM yang comprehensively, thereby creating superior
unggul. Untuk mewujudkannya, Bank telah human resources. To make this happen, the
memiliki strategi pengembangan dalam rangka Bank has a development strategy to increase HR
meningkatkan kompetensi SDM. competency.
Sejalan dengan target tersebut, pengelolaan SDM In line with this target, HR management at Hana
di Bank Hana fokus pada 4 (empat) hal, yaitu: Bank focuses on 4 (four) areas, namely:
1. Meninjau organisasi yang searah dengan target, 1. Reviewing the organization in line with
sasaran, dan strategi yang telah ditentukan; predetermined targets, goals, and strategies;
2. Menyeleksi SDM melalui proses rekrutmen 2. Selecting human resources through a
sesuai kualifikasi dan kebutuhan; recruitment process according to qualifications
3. Menetapkan kompetensi yang searah dengan and needs;
target sasaran dan strategi yang dibutuhkan; 3. Determining competencies that are in line with
serta the targets and strategies needed, as well as
4. Mengadakan program pengembangan yang 4. Implementing the appropriate development
sesuai. programs.
DEMOGRAFI KARYAWAN [C.3] EMPLOYEE DEMOGRAPHY
Jumlah Karyawan berdasarkan Status Kepegawaian
Number of Employee by Employment Status
2023 2022 2021
Pria Wanita Pria Wanita Pria Wanita
Uraian
Male Female Male Female Male Female
Description
Orang Orang Orang Orang Orang Orang
% % % % % %
Pax Pax Pax Pax Pax Pax
Karyawan 534 46,25 512 45,19 492 44,85 480 43,76 483 46,76 512 49,56
Tetap
Permanent
Employee
Karyawan 61 5,38 36 3,18 77 7,02 48 4,38 28 2,71 10 0,97
Kontrak
Contract
Employee
Sub Jumlah 585 51,63 548 48,37 569 51,87 528 48,13 511 49,47 522 50,53
Sub Total
Jumlah 1.133 1.097 1.033
Total
84 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Jumlah Karyawan berdasarkan Level Jabatan
Number of Employee by Position Level
2023 2022 2021
Pria Wanita Pria Wanita Pria Wanita
Uraian
Male Female Male Female Male Female
Description
Orang Orang Orang Orang Orang Orang
% % % % % %
Pax Pax Pax Pax Pax Pax
Manajerial 234 20,65 132 11,65 226 20,60 133 12,12 199 19,26 137 13,26
Managerial
Supervisor 250 22,07 266 23,48 228 20,78 245 22,33 230 22,27 258 24,98
Supervisor
Staf 101 8,91 150 13,24 115 10,48 150 13,67 82 7,94 127 12,29
Staff
Sub Jumlah 585 51,63 548 48,37 569 51,87 528 48,13 511 49,47 522 50,53
Sub Total
Jumlah 1.133 1.097 1.033
Total
Jumlah Karyawan berdasarkan Tingkat Pendidikan
Number of Employee by Education Level
2023 2022 2021
Pria Wanita Pria Wanita Pria Wanita
Uraian
Male Female Male Female Male Female
Description
Orang Orang Orang Orang Orang Orang
% % % % % %
Pax Pax Pax Pax Pax Pax
S2 57 5,04 26 2,29 53 4,83 26 2,37 54 5,23 24 2,32
Master
S1 462 40,78 447 39,45 457 41,66 430 39,20 413 39,98 430 41,63
Bachelor
D3 31 2,74 50 4,41 27 2,46 50 4,56 23 2,23 44 4,26
Diploma
SMA 35 3,09 25 2,21 32 2,92 22 2,01 21 2,03 24 2,32
High School
Sub Jumlah 585 51,63 548 48,37 569 51,87 528 48,13 511 49,47 522 50,53
Sub Total
Jumlah 1.133 1.097 1.033
Total
Jumlah Karyawan berdasarkan Usia
Number of Employee by Age
2023 2022 2021
Pria Wanita Pria Wanita Pria Wanita
Uraian
Male Female Male Female Male Female
Description
Orang Orang Orang Orang Orang Orang
% % % % % %
Pax Pax Pax Pax Pax Pax
>46 tahun | 78 6,88 46 4,06 72 6,56 41 3,74 76 7,36 46 4,45
years old
36-45 tahun | 217 19,15 157 13,86 207 18,87 156 14,22 191 18,49 169 16,36
years old
26-35 tahun | 258 22,77 301 26,57 243 22,15 290 26,44 225 21,78 300 29,04
years old
≤25 tahun | 32 2,82 44 3,88 47 4,28 41 3,74 19 1,84 7 0,68
years old
Sub Jumlah 585 51,63 548 48,37 569 51,87 528 48,13 511 49,47 522 50,53
Sub Total
Jumlah 1.133 1.097 1.033
Total
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 85
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Jumlah Karyawan berdasarkan Turnover Karyawan
Number of Employee by Employee Turnover
Keterangan Satuan 2023 2022 2021 Unit Description
Jumlah Karyawan Orang 1.133 1.097 1.033 Pax Total Employee
Jumlah Karyawan Keluar Orang 208 235 187 Pax Total Outgoing Employee
Pensiun Orang 6 4 162 Pax Retired
Mengundurkan Diri Orang 145 210 2 Pax Resign
Lainnya Orang 57 21 23 Pax Others
Tingkat Perputaran % 18,60 22,27 17,55 % Employee Turnover Rate
Karyawan
KESETARAAN DAN KESEMPATAN YANG SAMA EQUALITY AND EQUAL OPPORTUNITIES [F.18]
[F.18]
Bank Hana memiliki komitmen untuk menjalankan Hana Bank is committed to maintaining equality
prinsip menjamin kesetaraan dan memberikan and offering equal opportunities for all employees,
kesempatan yang sama kepada seluruh karyawan regardless of ethnicity, race, religion, gender, or
tanpa membeda-bedakan latar belakang seperti physical condition. The Bank wishes to develop
suku, ras, agama, jenis kelamin, hingga fisik. Bank an inclusive work atmosphere that will promote
ingin menciptakan lingkungan kerja yang inklusif comfort and preserve staff productivity.
untuk memberikan rasa nyaman dan menjaga
produktivitas karyawan.
Oleh karena itu, Bank berupaya untuk mengawasi As a result, the Bank tries to monitor and take
dan menindak tegas terhadap segala bentuk decisive action against all types of discrimination
tindakan diskriminasi terhadap perbedaan based on background disparities, beginning with
latar belakang mulai dari tahap rekrutmen, staff recruiting, competency development, and
pengembangan kompetensi, dan pengembangan career advancement. Until the end of 2023, no
karier. Hingga akhir tahun 2023, tidak terdapat complaints of discrimination or bullying were filed
laporan pengaduan terkait tindakan diskriminasi with the Human Capital Division.
atau perundungan yang disampaikan kepada
Divisi Human Capital.
Selain itu, Bank juga memberikan kesempatan The Bank also provides fair and equal employment
kerja yang adil dan setara kepada tenaga kerja opportunities to local workers who join to become
lokal yang bergabung menjadi bagian dari Bank part of Hana Bank. In utilizing foreign workers,
Hana. Dalam pendayagunaan tenaga kerja asing, Hana Bank always complies with all relevant
Bank Hana senantiasa mematuhi setiap peraturan applicable regulations and policies.
dan kebijakan terkait yang berlaku.
Keterangan Satuan 2023 2022 2021 Unit Description
Karyawan Lokal Orang 1.120 1.083 1.021 Pax Local Employee
Karyawan Asing Orang 13 14 12 Pax Foreign Employee
Jumlah Karyawan Orang 1.133 1.097 1.033 Pax Total Employee
Persentase Karyawan % 98,85% 98,72% 98,84% % Percentage of Local
Lokal Employee
Catatan: Note:
Definisi karyawan lokal adalah karyawan yang memiliki KTP Local employee is defined as employee with an ID card (KTP) registered in the
sesuai dengan wilayah operasional tingkat kabupaten/kota. respective regency/city of Bank operational area.
86 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Destroy Silo untuk Lingkungan Kerja yang Produktif dan Inklusi
Destroy Silos for a Productive and Inclusive Work Environment
Sebagai wujud komitmen dalam meningkatkan As a commitment to increase employee productivity and
produktivitas dan inklusivitas karyawan, Bank memiliki inclusiveness, the Bank has a program called Destroy Silo.
program bernama Destroy Silo. Dengan memanfaatkan By utilizing the Lean Sigma method, employees can work
metode Lean Sigma, para karyawan dapat bekerja sama together to solve various problems or create new products
untuk mengatasi berbagai permasalahan atau membuat by involving various related parties.
produk baru dengan melibatkan berbagai pihak terkait.
Secara terpisah program ini juga dilaksanakan oleh para Separately, this program is also implemented by talents
talenta yang berasal dari berbagai bagian di organisasi. from various parts of the organization. With this program,
Dengan program ini mereka bisa berinteraksi dan bertukar they can interact and exchange ideas with colleagues
pikiran dengan rekan kerja dari bagian lain, mempelajari from other departments, and learn processes and
proses dan output dari bagian yang berbeda. Pada tahun outputs from different departments. In 2023, the Bank
2023 terdapat lebih dari 100 program Destroy Silo yang implemented more than 100 Destroy Silo programs
melibatkan lebih dari 160 karyawan dari berbagai bagian involving more than 160 employees from various parts of
di perusahaan telah dijalankan. the Bank.
KOMITMEN TIDAK MENGGUNAKAN TENAGA COMMITMENT AGAINST THE USE MINORS AND
KERJA DI BAWAH UMUR DAN KERJA PAKSA FORCED LABOR [F.19]
[F.19]
Bank Hana selalu patuh terhadap setiap peraturan Hana Bank strictly follows all workforce
dan ketentuan terkait pengelolaan tenaga management legislation and provisions, including
kerja, termasuk dalam komitmen untuk tidak its commitment not to employ underage workers
menggunakan tenaga kerja di bawah umur dan or engage in forced labor abuses. Permanent and
praktik kerja paksa. Bank memperkerjakan usia contract employees at the Bank must be at least 18
minimal karyawan tetap dan kontrak adalah 18 years old, and wages are always paid in accordance
tahun dan selalu membayar upah sesuai dengan with the terms of the contract.
kontrak yang disepakati.
Selain itu, Bank juga memberikan kebebasan The Bank also provides freedom of opinion and
berpendapat dan berserikat sebagai bentuk association as a form of fulfilling employee rights.
pemenuhan hak karyawan. Kebijakan tersebut This policy is followed-up wisely by each employee
ditindaklanjuti secara bijak oleh setiap karyawan so that it does not interfere with work time or
sehingga tidak mengganggu waktu kerja dan service to customers.
pelayanan kepada nasabah.
REMUNERASI REMUNERATION
Remunerasi merupakan aspek penting sehingga Remuneration is crucial, so the Bank must provide
sudah menjadi kewajiban bagi Bank untuk welfare for all employees. The Bank provides a fair
memberikan kesejahteraan kepada setiap salary and benefits to all employees in accordance
karyawan. Bank memberikan remunerasi dan with their job duties, experience, and competence.
tunjangan yang adil bagi seluruh karyawan sesuai Basic wages, allowances (including a fitness
dengan tanggung jawab, pengalaman, dan allowance), and health insurance are among the
kompetensi. Bentuk remunerasi yang diberikan forms of compensation provided.
meliputi gaji pokok, tunjangan termasuk
tunjangan kebugaran, dan asuransi kesehatan.
Dalam pemberian upah, Bank telah menyesuaikan In terms of pay, the Bank has adjusted the lowest
upah terendah karyawan tetap dengan tingkat earnings for permanent employees to the Province
Upah Minimum Provinsi (UMP) atau Kabupaten/ Minimum Wage (UMP) or Regency/City (UMK)
Kota (UMK) di wilayah kerja masing-masing. level in their respective work locations.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 87
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Perbandingan Upah Karyawan Tetap terhadap UMP Tahun 2023 [F.20]
Comparison of Permanent Employee Wages to 2023 Regional Minimum Wage
Perbandingan
Upah Karyawan
Tetap Terendah
Upah Karyawan Terhadap UMP
Tetap Terendah (%)
Lowest UMR Percentage
Wilayah Region
Permanent (Rp) of Lowest
Employee Wages Permanent
(Rp) Employee Wages
to Province
Minimum Wage
(%)
DKI Jakarta 5.011.360 4.901.798 102% DKI Jakarta
Banten 5.097.050 2.661.280 192% Banten
Jawa Barat 4.322.050 1.980.670 218% West Java
Jawa Tengah 4.384.255 1.958.670 224% Central Java
Jawa Timur 5.062.863 2.040.244 248% East Java
Lampung 5.280.464 2.633.284 201% Lampung
Sumatra Utara 4.763.061 2.710.493 176% North Sumatera
Sumatra Selatan 6.012.656 3.404.177 177% South Sumatera
Sulawesi Selatan 6.246.460 3.385.145 185% South Sulawesi
Bali 6.123.398 2.713.672 226% Bali
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT
Pengembangan kompetensi menjadi salah Competency development is an important part
satu aspek material bagi Bank terkait Sumber of the Bank’s Human Resources strategy. The
Daya Manusia. Bank berkomitmen untuk terus Bank is committed to strengthening employee
mengembangkan kompetensi karyawan untuk competencies in order to remain competitive
menjaga persaingan dan menyesuaikan diri and adapt to new innovations and changes. As a
dengan inovasi dan perkembangan terbaru. Oleh result, the Bank engages employees in a variety
karena itu, Bank mengikutsertakan karyawan pada of competency development programs, both
berbagai program pengembangan kompetensi internally and externally, tailored to their needs
baik secara internal maupun eksternal yang sesuai and field of work.
dengan kebutuhan dan bidang kerjanya.
Bank Hana juga memberikan program pelatihan Hana Bank also offers technology-based
kemampuan teknis dan kemampuan non- technical skills and soft skills training programs
teknis berbasis teknologi kepada karyawan to help employees stay current with the newest
guna mengikuti perkembangan digital terkini. digital advances. This effort is part of the Bank’s
Inisiatif tersebut merupakan salah satu komitmen commitment to improving competence, quality of
Bank untuk meningkatkan kompetensi dan understanding, and expertise in the performance
kualitas pemahaman serta pengetahuan dalam of work duties and responsibilities, as well as
pelaksanaan tugas dan tanggung jawab pekerjaan employee insight into the digitization process.
serta wawasan karyawan atas proses digitalisasi.
Pelaksanaan program pelatihan dan pendidikan Training and education programs in the context
dalam rangka pengembangan kompetensi of competency development are carried out
dilakukan melalui beragam cara. Dari yang in various ways. These include in-house/online
berupa in-house/online training, public training, training, public training, e-learning, town halls,
e-learning, town-hall, workshop, sosialisasi, workshops, socialization, employee engagement,
employee engagement, hingga learning/sharing and learning/sharing sessions.
session.
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Program Pengembangan Kompetensi Bank Hana
Hana Bank Competency Development Programs
Kemampuan Teknis Program pelatihan untuk meningkatkan pengetahuan dan kemampuan teknis karyawan
Technical Skill yang terkait dengan pemenuhan tugas dan tanggung jawab pekerjaan sesuai dengan
bidang masing-masing karyawan. Topik-topik program pelatihan tersebut mencakup:
1. Pengetahuan Umum Perbankan;
2. APU dan PPT;
3. Digitalisasi dan Teknologi Informasi;
4. Perkreditan; dan
5. Pelatihan lainnya sesuai kebutuhan masing-masing posisi atau jabatan.
Training programs to increase employee knowledge and technical abilities related to
fulfilling job duties and responsibilities in accordance with each employee's field. Topics in
the training programs include:
1. General Banking Knowledge;
2. APU and PPT;
3. Digitalization and Information Technology;
4. Credit; and
5. Other training according to the needs of each position or function.
Kemampuan Non-Teknis Program pelatihan untuk meningkatkan atribut diri dan perilaku karyawan yang terkait
Soft Skill dengan pemenuhan tugas dan tanggung jawab pekerjaan sesuai dengan bidang masing-
masing karyawan. Topik-topik program pelatihan tersebut mencakup:
1. Integrity and Morality;
2. Kemampuan Komunikasi dan Negosiasi;
3. Kepemimpinan;
4. Problem Solving; dan
5. Pelatihan lainnya sesuai kebutuhan masing-masing posisi atau jabatan.
Training programs to improve employee personal attributes and behavior related to fulfilling
job duties and responsibilities according to each employee's field. Topics in the training
programs include:
1. Integrity and Morality;
2. Communication and Negotiation Skills;
3. Leadership;
4. Problem Solving; and
5. Other training according to the needs of each position or function.
Sertifikasi Wajib Program sertifikasi wajib dari regulator yang harus diikuti oleh karyawan sesuai dengan
Mandatory Certificate jabatan dan fungsi kerja masing-masing. Program sertifikasi wajib tersebut mencakup:
1. Manajemen Risiko;
2. Wakil Perantara Pedagang Efek Pemasaran (WPPE-P);
3. Sistem Pembayaran dan Pengelolaan Uang Rupiah (SPPUR);
4. Treasury; dan
5. Wakil Agen Penjual Efek Reksa Dana (WAPERD).
A mandatory certification program from the regulator that employees must participate
according to their respective positions and work functions. The mandatory certification
program includes:
1. Risk Management;
2. Securities Broker Representative - Marketing (WPPE-P);
3. Rupiah Payment and Currency Management System (SPPUR);
4. Treasury; and
5. Representative of Mutual Fund Selling Agent (WAPERD).
Akreditasi Program pelatihan yang bersifat sertifikasi (sertifikasi tidak wajib) yang diikuti oleh karyawan
Accredited dalam rangka meningkatkan kompetensi terkait dengan pemenuhan tugas dan tanggung
jawab pekerjaan sesuai dengan bidang masing-masing karyawan. Beberapa program
sertifikasi yang diikuti karyawan antara lain:
1. Sertifikasi BNSP Manajemen SDM;
2. Certification Program Commercial Banking & Credit Analyst;
3. Pendidikan Sertifikasi Auditor Hukum Indonesia;
4. Certification Qualified Risk Management Professional (QRMP); dan
5. Program lainnya sesuai kebutuhan masing-masing posisi atau jabatan.
Non-mandatory certification training program which employees participate in in order to
increase competence related to fulfilling job duties and responsibilities in accordance with
each employee's field. Some certification programs that employees participate in include:
1. BNSP HR Management Certification;
2. Commercial Banking & Credit Analyst Certification Program;
3. Indonesian Legal Auditor Certification Education;
4. Qualified Risk Management Professional (QRMP) Certification; and
5. Other programs according to the needs of each position or function.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 89
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Pelatihan berdasarkan Direktorat Tahun 2023
Training by Directorate in 2023
Distribusi
Jumlah Peserta Pelatihan Persentase
Direktorat Directorate
Total Participants Training Percentage
Distribution
BOD/BOC/Chief 15 15 100% BOD/BOC/Chief
Bisnis 218 218 100% Business
Kepatuhan & Legal 79 79 100% Compliance & Legal
Perbankan Konsumer 165 165 100% Consumer Banking
Kredit 67 67 100% Credit
Keuangan 96 96 100% Finance
SDM & Operasional 292 292 100% HC & Operation
Teknologi Informasi 134 134 100% Information Technology
Report to CEO 43 43 100% Report to CEO
Risk 24 24 100% Risk
Jumlah *
1.133 1.133 100% Total*
*
Jumlah peserta dan distribusi pelatihan pada tabel tidak *
Numbers of total participants and training distribution in
termasuk karyawan tidak tetap the table exclude non-permanent employees
Pelatihan berdasarkan Jenis Program [F.22]
Training by Type of Program
Jumlah Program Jumlah Peserta
Jenis Program Type of Program
Total Program Total Participants
In-house Training 75 1.085 In-house Training
Public Training 130 192 Public Training
e-Learning 44 1.133 e-Learning
Talent Development 32 52 Talent Development
Socialization and Workshop 37 530 Socialization and Workshop
Employee Engagement 7 550 Employee Engagement
Jumlah* 325 3542 Total*
* Jumlah peserta dan distribusi pelatihan pada * Numbers of total participants and training distribution in the table
tabel tidak termasuk karyawan tidak tetap exclude non-permanent employees
Satuan
Uraian 2023 2022 Description
Unit
Realisasi Dana Pendidikan Rp Juta 11.409 14.384 Actual Training Expenses
Million Rp
Rasio Dana Pendidikan % 3,56 3,15 Training Expenses Ratio
PROGRAM PERSIAPAN PENSIUN RETIREMENT PREPARATION PROGRAM
Selain memberikan remunerasi dan Aside from providing work compensation and
mengembangkan kompetensi, Bank juga competence-building programs, the Bank also
memberikan program persiapan pensiun kepada offers a retirement planning program to all
seluruh karyawan yang memasuki usia pensiun. employees approaching retirement age. The
Program yang diberikan meliputi pemberian dana programs offered include pension money and
pensiun dan kredit pensiunan. Sepanjang tahun retiree loans. Throughout 2023, six employees
2023, terdapat 6 karyawan yang pensiun atau retired, accounting for approximately 0.53% of the
sekitar 0,53% dari total keseluruhan Bank. Bank’s total headcount.
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
LINGKUNGAN KERJA YANG AMAN, SEHAT, DAN SAFE, HEALTHY AND CONDUCIVE WORKING
KONDUSIF [F.21] ENVIRONMENT [F.21]
Dalam menciptakan lingkungan kerja yang In creating a safe, healthy, and conducive work
aman, sehat dan kondusif, Bank menciptakan environment, the Bank creates a sustainable
sebuah budaya yang berkesinambungan dengan culture by involving all employees from all work
melibatkan seluruh karyawan dari semua lini units to produce effective communication,
unit kerja untuk menghasilkan suatu komunikasi cooperation between employees/work units in
yang efektif, kerja sama antar karyawan/unit kerja every Bank activity, and openness in providing
dalam setiap aktivitas Bank dan keterbukaan aspirations, suggestions, or criticism on joint
dalam memberikan aspirasi, saran maupun kritik activities.
pada sebuah kegiatan bersama.
Bank Hana berkomitmen menciptakan suasana Hana Bank is committed to creating a harmonious
kerja yang harmonis dan kondusif dengan and conducive work atmosphere by establishing a
membentuk lingkungan kerja yang sehat aman healthy, safe, and comfortable work environment
dan nyaman bagi seluruh karyawan, seperti: for all employees, such as:
1. Penyediaan sarana dan prasarana seperti 1. Providing facilities and infrastructure such as
menyediakan sarana ibadah berupa mushola; prayer facilities in the form of prayer rooms;
2. Ruang laktasi bagi karyawati yang sedang 2. Lactation room for employees who are
dalam masa menyusui; breastfeeding;
3. Ruang training yang cukup memadai dalam 3. Adequate training spaces to carry out the
menjalankan program training; training programs;
4. Hana Lounge (coffee shop) dalam rangka 4. Hana Lounge (coffee shop) in order to create
menciptakan work life balance selama bekerja; work-life balance while working;
5. Wadah forum komunikasi dalam bentuk 5. Communication forum in the form of joint
kegiatan olahraga bersama (basket, mini sports activities (basketball, mini soccer,
soccer, badminton, tenis meja, lari, dan hiking); badminton, table tennis, running, and hiking);
serta as well as
6. Menyediakan sarana tempat makan yang 6. Providing cafeteria facilities that are kept clean,
bersih sanitasi dan terjaga higienis yang sanitary, and hygienic by professional cleaning
dilakukan oleh petugas kebersihan yang staff.
profesional.
Bank dalam hal ini juga menjaga keamanan di In this case, the Bank also maintains security
sekitar lingkungan kerja baik di Kantor Pusat around the work environment, both at the Head
maupun Kantor Cabang dengan dibantu petugas Office and Branch Offices, with the assistance
keamanan yang profesional dalam melayani of professional security officers in serving every
setiap pengunjung, nasabah termasuk karyawan. visitor and customer, including employees. The
Bank juga melakukan kerja sama dengan Bank also collaborates with territorial security
aparat keamanan teritorial yang selalu menjaga forces, who always maintain conduciveness in
kondusifitas di setiap kantor-kantor Bank, serta each Bank office and establish good relations with
menjalin hubungan yang baik antar perangkat regional officials and harmony with neighboring
daerah maupun kerukunan antar tetangga di communities around the Bank’s offices.
sekitar kantor-kantor Bank.
Dengan terciptanya suasana yang harmonis dan By creating a harmonious and conducive
kondusif, maka setiap pengunjung, nasabah, atmosphere, every visitor, customer, and employee
karyawan dapat merasa aman dan nyaman can feel safe and comfortable carrying out their
beraktifitas di lingkungan kantor Bank Hana berada activities in the Hana Bank office environment
sehingga Bank apat memberikan pelayanan so that the Bank can provide excellent service to
prima kepada setiap nasabah serta mewujudkan every customer and create a sustainable work
lingkungan kerja yang berkesinambungan sesuai environment in compliance with the provisions
dengan koridor kepatuhan di dalam ketentuan regarding Occupational Health and Safety.
mengenai Keselamatan dan Kesehatan Kerja.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 91
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Selain upaya-upaya tersebut, Bank juga berupaya In addition to these efforts, the Bank strives to
memastikan ketersediaan sarana dan prasarana ensure the availability of suitable and compliant
terkait Keselamatan dan Kesehatan Kerja (K3) Occupational Health and Safety (K3) facilities and
yang memadai dan memenuhi standar di infrastructure in all business contexts. The Bank
seluruh lingkungan operasional. Bank melakukan conducts periodic employee health exams and
mengecekan kesehatan karyawan secara enrolls employees in insurance packages. This
berkala dan mengikutsertakan karyawan dalam covers the Social Security Administering Agency’s
program-program asuransi. Adapun program (BPJS) Employment program, which provides Work
asuransi kesehatan dan ketenagakerjaan seperti Accident Insurance (JKK), Death Insurance (JKM),
Badan Penyelenggara Jaminan Sosial (BPJS) Old Age Security (JHT), and Pension Security, as
Ketenagakerjaan meliputi Jaminan Kecelakaan well as the BPJS Health program, which includes
Kerja (JKK), Jaminan Kematian (JKM), Jaminan outpatient and inpatient care.
Hari Tua (JHT), Jaminan Pensiun, hingga program
BPJS Kesehatan yang meliputi rawat jalan dan
rawat inap.
KEPUASAN KARYAWAN EMPLOYEE SATISFACTION
Dalam mengetahui tingkat kepuasan kerja, Bank To establish the level of job satisfaction, the
telah melakukan survei yang dapat dijadikan Bank conducts surveys that can be used to
informasi mengenai komponen yang telah obtain information about components that
berjalan dengan baik dan evaluasi bagi komponen are working well and analyze components that
yang perlu diperbaiki. Tingkat kepuasan yang require improvement. A high level of satisfaction
tinggi menunjukkan sikap positif karyawan demonstrates an employee’s favorable attitude
terhadap pekerjaannya dan akan memengaruhi toward their work, which influences performance
produktivitas kinerja. and productivity.
Pada tahun 2023, Bank melaksanakan survei In 2023, the Bank conducted a survey in which
yang diikuti oleh karyawan yang termasuk dalam employees in the talent category from various
kategori talent di berbagai divisi. Pelaksanaan divisions took part. The objective of the survey is to
survei ditujukan untuk memberikan kebebasan allow employees to respond honestly and openly
dalam menjawab secara jujur dan terbuka agar so that the Bank may learn about the difficulties
Bank dapat mengetahui permasalahan dan/atau and concerns they have presented.
keluhan yang disampaikan oleh karyawan.
Beberapa komponen yang menjadi indikator Several components are measured as indicators in
pengukuran pada survei ini, yaitu: this survey, namely:
1. Apakah kebutuhan dasar karyawan telah 1. Have employees’ basic needs been met;
terpenuhi;
2. Seberapa jauh dukungan Manajemen terhadap 2. How far does Management support employees;
karyawan;
3. Bagaimana kerja sama antar karyawan/antar 3. How is cooperation between employees/
tim; serta between teams; as well as
4. Seberapa dalam Bank memperhatikan 4. How deeply does the Bank pay attention to
pengembangan diri dan karier karyawan. employees’ personal and career development?
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Kebutuhan Dasar Dukungan Manajemen Teamwork Pengembangan Diri
Basic Needs Management Support Teamwork Self Development
89% 83% 84% 81%
Sangat Puas Sangat Puas Sangat Puas Sangat Puas
Very Satisfied Very Satisfied Very Satisfied Very Satisfied
SARANA PENGADUAN MASALAH FACILITIES TO ADDRESS EMPLOYMENT ISSUES
KETENAGAKERJAAN
Bank telah menyediakan sarana pengaduan The Bank has established a complaint process
masalah ketenagakerjaan guna menampung for employment issues in order to get input,
masukan, saran, ataupun kritik yang dijadikan recommendations, or criticism that may be
bahan evaluasi untuk meningkatkan kualitas utilized as evaluation material to improve the
pengelolaan karyawan. Bank Hana mengimbau quality of employee management. Hana Bank
kepada setiap karyawan yang memiliki pengaduan encourages all employees with complaints to
untuk dapat melaporkannya secara langsung submit them directly to the relevant superior/
kepada atasan/manajer terkait di setiap unit bisnis. manager in each business unit. Aside from that,
Selain itu, laporan juga dapat disampaikan secara reports can be submitted indirectly via E-mail to
tidak langsung, yakni melalui e-mail yang ditujukan the Human Capital Management Division through
untuk Divisi Human Capital Management melalui HC Manpower Relations. In 2023, the Bank received
HC Manpower Relation. Adapun pada tahun 2023, no reports of complaints regarding employment
tidak terdapat laporan pengaduan terkait masalah issues.
ketenagakerjaan yang diterima Bank.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 93
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Kinerja Pengembangan Sosial Masyarakat Performance of Social Community Development
Page 97
Bank menjalankan kegiatan CSR untuk memberikan manfaat positif kepada masyarakat dan komunitas yang difokuskan pada peningkatan kualitas pendidikan, kesehatan, pemulihan bencana, dan kesejahteraan masyarakat. The bank engages in CSR activities to benefit society and communities, with a focus on improving education, health, disaster recovery, and community welfare.
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Bank Hana berupaya memberikan kontribusi Hana Bank strives to make positive contributions
dan manfaat positif kepada masyarakat melalui and benefits to the community by implementing
pelaksanaan kegiatan tanggung jawab sosial Corporate Social Responsibility (CSR) initiatives.
perusahaan atau Corporate Social Responsibility Hana Bank also runs financial literacy and inclusion
(CSR). Selain itu, Bank Hana juga melaksanakan programs to improve public understanding and
program literasi dan inklusi keuangan untuk access to financial services.
meningkatkan pemahaman dan akses masyarakat
terhadap layanan keuangan perbankan.
DAMPAK OPERASIONAL [F.23] OPERATIONAL IMPACTS [F.23]
Karakteristik industri perbankan tidak memiliki The characteristics of the banking industry have no
dampak langsung terhadap lingkungan. direct impact on the environment. Nonetheless,
Meskipun demikian, Bank tetap memiliki peran the Bank can help companies reduce their
dalam membatasi perusahaan-perusahaan environmental impact by providing sustainable
yang berdampak lingkungan melalui kegiatan financing. On the social side, the Bank has a direct
pembiayaan berkelanjutan. Pada aspek sosial, impact on the community, both in the immediate
Bank memiliki dampak langsung terhadap vicinity of its operational areas through labor and
masyarakat baik yang ada di sekitar operasional supplier fulfillment and in the larger community.
melalui pemenuhan tenaga kerja dan pemasok, The bank also engages in CSR activities that
hingga kepada masyarakat dengan skala yang benefit society and the community.
lebih luas. Selain itu, Bank juga menjalankan
kegiatan CSR yang dapat memberikan manfaat
positif kepada masyarakat dan komunitas.
KEGIATAN TANGGUNG JAWAB SOSIAL CORPORATE SOCIAL RESPONSIBILITY
MASYARAKAT [F.25] PROGRAM [F.25]
Kegiatan pengembangan sosial masyarakat Community social development activities through
melalui kegiatan CSR difokuskan pada peningkatan CSR activities are focused on improving the
kualitas pendidikan, kesehatan, pemulihan quality of education, health, disaster recovery, and
bencana, dan kesejahteraan masyarakat. Berikut community welfare. The CSR activities carried out
adalah kegiatan CSR yang dilakukan Bank Hana by Hana Bank during 2023 are as follows:
selama 2023:
96 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Bidang Kegiatan Uraian
Field Activity Description
Filantropi Donasi Berkolaborasi dengan IKA (Ikatan Alumni) Universitas Islam Indonesia
Philanthropy Donation mengadakan kegiatan CSR yang berupa pemberian donasi berupa uang
dan barang kebutuhan pokok rumah tangga (makanan, sembako, dan
lain-lain). Penerima manfaat seperti nelayan, anak yatim, dan masyarakat
kurang mampu lainnya, dengan nilai Rp50 juta.
In cooperation with the IKA (Alumni Association) of the Islamic University of
Indonesia, CSR activities were carried out in the form of donations of money
and basic household goods (food, groceries, etc.). Beneficiaries such as
fishermen, orphans, and other underprivileged communities, with a value
of Rp50 million.
Filantropi Donasi Berkolaborasi dengan Yayasan Tunasmuda Peduli (TCare) membagikan
Philanthropy Donation paket buka puasa kepada anak yatim dan dhuafa serta pemberian bingkisan
Idul Fitri kepada kelompok lansia dengan nilai Rp50 juta.
Collaborated with Yayasan Tunasmuda Peduli (TCare) during Ramadhan to
distribute iftar packages to orphans and poor people, as well as Eid gifts to
elderly groups with a value of Rp50 million.
Filantropi Donasi Sosial Hari Anak Nasional 2023 - Donasi kepada Yayasan Domyadhu Jakarta &
Philanthropy Social Donation Mizan Amanah (Organisasi Yatim Piatu) Bandung senilai Rp30 juta.
National Children's Day 2023 - Donation to Domyadhu Foundation Jakarta
& Mizan Amanah (Orphan Organization) Bandung, with a value of Rp30
million.
Pendidikan Program Magang Bank Bank Hana mengirimkan sebanyak 10 (sepuluh) mahasiswa Indonesia
Education Hana terbaik untuk magang di KEB Hana Bank Korea di Seoul, Korea Selatan.
Hana Bank Internship Program magang ini pertama kalinya dibentuk melalui inisiasi Bank Hana,
Program Hana Financial Group (HFG), dan Kedutaan Besar Indonesia untuk Korea
Selatan yang bertujuan mempersiapkan Sumber Daya Manusia (SDM),
khususnya bagi generasi muda Indonesia dalam menghadapi persaingan
dan tantangan global dengan total biaya Rp219 juta.
Hana Bank sent 10 (ten) best Indonesian students to intern at KEB Hana
Bank Korea in Seoul, South Korea. This internship program was first
established through the initiation of Hana Bank, Hana Financial Group
(HFG), and the Indonesian Embassy to South Korea, which aims to prepare
Human Resources (HR), especially for the younger generation of Indonesia,
to face global competition and challenges, with total Rp219 million.
Pendidikan Beasiswa Bank Hana bekerja sama dengan Hana Nanum Foundation, memberikan
Education Scholarship beasiswa sebesar Rp1 miliar secara regular setiap tahunnya kepada 6
universitas di Indonesia yaitu Universitas Indonesia (UI), Sekolah Teknik
Elektro Informatika-Institut Teknologi Bandung (STEI ITB), Universitas
Padjadjaran (UNPAD), Universitas Gadjah Mada (UGM), Universitas Bina
Nusantara (BINUS), dan Universitas Islam Indonesia (UII). Beasiswa ini
diperuntukan bagi siswa-siswa berprestasi yang berasal dari ekonomi
menengah ke bawah.
Hana Bank, in collaboration with Hana Nanum Foundation, provides
scholarships of Rp1 billion regularly every year to 6 universities in Indonesia,
namely the University of Indonesia (UI), School of Electrical Informatics
Engineering-Bandung Institute of Technology (STEI ITB), Padjadjaran
University (UNPAD), Gadjah Mada University (UGM), Bina Nusantara
University (BINUS), and Indonesian Islamic University (UII). This scholarship
is intended for outstanding students who come from a middle- to lower-
class economy.
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 97
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Bidang Kegiatan Uraian
Field Activity Description
Pendidikan Beasiswa Bank Hana dan Hana Financial Group melalui Hana Nanum Foundation
Education Scholarship meluncurkan program Hana Future IT Leader Academy. Program tersebut
merupakan keberlanjutan komitmen Perusahaan dalam memberikan
dukungan kepada para mahasiswa/i Indonesia melalui Beasiswa
Pendidikan khususnya di bidang Informasi dan Teknologi. Adapun nilai
beasiswa yang diberikan adalah sebesar Rp10 miliar. Lebih lanjut, penerima
beasiswa akan mendapatkan kesempatan menarik lainnya seperti magang
di perusahaan NEXT TI, Bank Hana, juga di Hana Bank Korea.
Hana Bank and Hana Financial Group, through the Hana Nanum
Foundation, launched the Hana Future IT Leader Academy program. The
program is a continuation of the Bank’s commitment to providing support
to Indonesian students through educational scholarships, especially in the
field of information and technology. The value of the scholarship provided
is Rp10 billion. Furthermore, scholarship recipients will get other interesting
opportunities, such as internships at NEXT IT company, Hana Bank, as well
as at Hana Bank Korea.
Pendidikan Global CSR Orientations Para mahasiswa Komunitas Smart Ambassador Korea Selatan
Education Day beserta 20 orang Relawan Bank Hana mengikuti kegiatan sosial
di Sekolah Danbi Bersinar yang berlokasi di Bekasi, Jawa Barat.
Dalam kegiatan ini, para mahasiswa dan relawan melakukan berbagai
macam aktivitas dengan dibagi menjadi 5 kelompok yaitu: Kelas Kesehatan
Jasmani, Kelas Science, Kelas Seni, Kelas Musik, dan Kelas Bahasa Korea.
South Korean Smart Ambassador Community students and 20 Hana
Bank volunteers participated in social activities at Danbi Bersinar School
in Bekasi, West Java. In this activity, students and volunteers carried out
various activities that were divided into 5 groups, namely the Physical
Health Class, Science Class, Art Class, Music Class, and Korean Language
Class.
Lingkungan Kampanye Go Hana Green Bank Hana melaksanakan kampanye internal yang bertujuan untuk
Environment Go Hana Green Campaign meningkatkan kesadaran karyawan akan masalah lingkungan,
memperkenalkan gaya hidup sehari-hari yang berkelanjutan, serta
menumbuhkan budaya kerja yang lebih sadar akan kelestarian lingkungan.
Hana Bank conducted an internal campaign that was aimed at raising
employee awareness of various environmental issues, introducing
sustainable daily lifestyles, and fostering a more environmentally conscious
work culture.
Pendanaan Kegiatan CSR kepada Masyarakat Dalam Jutaan Rupiah
Funding for CSR Activities In million Rupiah
Bidang Kegiatan 2023 2022 2021 Field of Activity
Pendidikan 1.319.000.000 920.000.000 500.000.000 Education
Sarana dan/atau Prasarana - - 20.000.000 Facilities and/or Infrastructure
Kesehatan - - 18.000.000 Health
Filantropi 230.000.000 195.000.000 95.000.000 Philanthropy
Jumlah 1.549.000.000 1.115.000.000 633.000.000 Total
LITERASI DAN INKLUSI KEUANGAN FINANCIAL LITERACY AND INCLUSION
Peningkatan literasi dan inklusi keuangan turut Hana Bank is also responsible for improving
menjadi tanggung jawab Bank Hana untuk financial literacy and inclusion in order to increase
meningkatan pemahaman dan akses masyarakat the public’s understanding of and access to banking
terhadap layanan keuangan perbankan. Program services. This program refers to the provisions of
ini mengacu pada ketetapan Peraturan OJK No.76/ OJK Regulation No.76/POJK.07/2016, which aims
POJK.07/2016 tentang Peningkatan Literasi dan to increase financial literacy and inclusion in the
Inklusi Keuangan di Sektor Jasa Keuangan bagi financial services sector for consumers and/or the
Konsumen dan/atau Masyarakat. community.
Bank Hana aktif mengenalkan produk dan layanan Hana Bank actively promotes banking products
perbankan kepada masyarakat, khususnya and services to the community, particularly digital
mengenai layanan perbankan digital. Berbagai banking services. Various financial education and
program literasi dan inklusi keuangan diharapkan inclusion programs are expected to reach people
dapat merangkul masyarakat yang belum pernah who have never interacted with banks, promote
98 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
berinteraksi dengan bank, mendorong persaingan healthy competition in the financial market,
sehat dalam pasar keuangan, memperkenalkan introduce technology-based financial services
teknik layanan keuangan berbasis teknologi, techniques, create a digital ecosystem based on
membangun ekosistem digital berbasis platform technology platforms, and instill a financial culture
teknologi, serta menanamkan budaya finansial at a young age.
sejak dini.
Berbagai upaya telah dilakukan dalam Several initiatives have been implemented to
meningkatkan literasi dan inklusi keuangan. Salah improve financial literacy and inclusion. One of
satunya dengan meluncurkan layanan perbankan them is the launch of digital banking services
digital dengan nama LINE Bank by Hana Bank yang under the name LINE Bank by Hana Bank, which
merupakan hasil kerja sama dengan Line Financial resulted from a collaboration with Line Financial
Asia (LFA) beserta afiliasinya. Selain itu, Bank Hana Asia (LFA) and its affiliates. In addition, Hana Bank
juga telah melakukan beberapa kegiatan lain yang has conducted several other activities aimed
bertujuan untuk meningkatkan literasi dan inklusi at increasing financial literacy and inclusion for
keuangan bagi nasabah dan masyarakat melalui customers and the community, including the
kegiatan-kegiatan berikut: following:
Sasaran
Kegiatan Bentuk Pelaksanaan Tempat Pelaksanaan
Target
Activity Implementation Location
Audience
Pengenalan Bank Hana Mahasiswa dan Pengenalan Bank Hana dan produk dan/atau UBM Campus
dan Produk Perbankan Masyarakat layanan jasa keuangan kepada masyarakat
Umum umum pada acara Financial Literacy Event
LINE Bank Goes to Campus melalui materi-
materi yang disampaikan dan berbagai
aktivitas lainnya.
Introduction to Hana Bank Students and Introducing Hana Bank and financial
and Banking Products the general products and/or services to the general public
public at the LINE Bank Goes to Campus Financial
Literacy Event through materials presented
and various other activities.
Pengenalan Bank Hana Masyarakat Pengembangan produk dan/atau layanan D'café Hana Lounge
dan Produk Perbankan Umum jasa keuangan dengan melalukan promo Mangkuluhur City Office
Chuseok Day di D’café Hana Lounge Tower
yang dioperasikan oleh Kopi Kenangan
Mangkuluhur Office Tower Jakarta.
Introduction to Hana Bank General public Development of financial products and/or
and Banking Products services by conducting a Chuseok Day promo
at D'café Hana Lounge operated by Kopi
Kenangan Mangkuluhur Office Tower Jakarta.
Manfaat Penggunaan Masyarakat Sosialisasi tentang pengetahuan kegunaan Kantor Pusat Hana Bank
Platform Digital/Mobile Umum perbankan digital dengan berbagai materi
Banking pengelolaan keuangan
Benefits of Using Digital/ General public Socialization of knowledge on the usefulness Hana Bank Headquarters
Mobile Banking Platforms of digital banking with various financial
management materials.
Mengelola Keuangan Masyarakat Edukasi keuangan dengan melakukan Kantor Pusat Hana Bank &
Umum sosialisasi untuk memberikan pengetahuan lokasi Partner
cara mengelola arus kas
General Public Financial education involves conducting Hana Bank Headquarters &
socialization to provide knowledge on how to Partner’s location
manage cash flow.
Mengatur Keuangan Serta Masyarakat Edukasi keuangan mengenai dasar-dasar Kantor Pusat Hana Bank &
Pentingnya Investasi Umum perbankan dan pengelolaan keuangan serta lokasi Partner
investasi
General Public Financial education covers the basics of Hana Bank Headquarters &
banking, financial management, and Partner’s location
investment.
Literasi Keuangan untuk Siswa Edukasi keuangan untuk memperkenalkan Yayasan Mizan Amanah
Anak Usia Sekolah Dasar perbankan kepada anak-anak Sekolah Dasar
Student Financial education to introduce banking to Mizan Amanah Foundation
elementary school children
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 99
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Kinerja Pengelolaan Lingkungan Environmental Management Performance
Page 103
Implementasi green office menjadi salah satu wujud komitmen yang dilaksanakan Bank dalam menjalankan kegiatan perbankan. Bank Hana secara konsisten mempromosikan budaya keberlanjutan melalui implementasi green office khususnya kepada karyawan The implementation of the green office is one form of the Bank’s commitment to the conduct of banking activities. Hana Bank consistently promotes a culture of sustainability through the implementation of the green office, especially among employees
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
MEMBANGUN BUDAYA KEBERLANJUTAN BUILDING A CULTURE OF ENVIRONMENTAL
LINGKUNGAN [F.1] SUSTAINABILITY [F.1]
Meski kegiatan operasional perbankan tidak Although banking operations do not have a direct
berdampak langsung pada lingkungan, Bank Hana impact on the environment, Hana Bank remains
tetap berkomitmen untuk menjalankan kegiatan committed to carrying out operational activities
operasional dengan berupaya melakukan efisiensi by striving to improve energy, water, and other
energi, air, dan material lainnya. Implementasi material efficiency. The implementation of the
green office menjadi salah satu wujud komitmen Green Office is one form of the Bank’s commitment
yang dilaksanakan Bank dalam menjalankan to the conduct of banking activities. Hana Bank
kegiatan perbankan. Bank Hana secara konsisten consistently promotes a culture of sustainability
mempromosikan budaya keberlanjutan melalui through the implementation of the Green Office,
implementasi green office khususnya kepada especially among employees.
karyawan.
PENGELOLAAN ENERGI DAN EMISI MANAGEMENT OF ENERGY AND EMISSION
Kegiatan operasional Bank menggunakan The Bank’s operational activities use non-
sumber energi tidak terbarukan yakni listrik yang renewable energy sources, namely electricity
dibeli dari pihak ketiga yaitu Perusahaan Listrik purchased from third parties (PLN) for office
Negara (PLN) untuk penerangan kantor dan lighting and fuel oil (BBM) for operational vehicles.
Bahan Bakar Minyak (BBM) untuk kendaraan The Bank continues to make various efforts to
operasional. Bank senantiasa melakukan upaya- save energy, among others by switching off lights
upaya penghematan energi dengan mematikan when leaving the room and during hours of office
lampu saat meninggalkan ruangan dan pada breaks, switching on corridor lights alternately or
jam istirahat, menyalakan lampu koridor secara only where lighting is needed, and encouraging
bergantian atau pada bagian yang dibutuhkan switching off electronic devices after use. As for
saja, serta mengimbau untuk mematikan alat-alat the use of fuel, the Bank seeks to make savings
elektronik setelah selesai digunakan. Sedangkan by reducing physical meetings and increasing the
pada penggunaan BBM, Bank berupaya use of teleconference technology. [F.7][F.12]
melakukan penghematan dengan mengurangi
pertemuan fisik dan meningkatkan penggunaan
teknologi teleconference. [F.7][F.12]
Penggunaan dan Intensitas Energi
Use and Intensity of Energy [F.6]
Satuan
Uraian 2023 2022 2021 Description
Unit
Listrik GJ 6.424,98 15.404,62 15.812,80 Electricity
BBM GJ 2.333,39 8.449,94 7.670,28 Fuel
Total Penggunaan GJ 8.758,37 23.854,56 23.483,08 Total Energy Used
Energi
Intensitas Energi GJ/Karyawan 7,73 21,74 22,73 Intensity of Energy
GJ/Employee
Berdasarkan penggunaan energi listrik dan Berdasarkan penggunaan energi listrik dan
BBM, dapat dihitung emisi yang dihasilkan oleh BBM, dapat dihitung emisi yang dihasilkan oleh
Bank Hana dengan menggunakan metode Bank Hana dengan menggunakan metode
penghitungan sesuai dengan Intergovernmental penghitungan sesuai dengan Intergovernmental
Panel on Climate Change 2006 (IPCC-2006) atau Panel on Climate Change 2006 (IPCC-2006) atau
faktor emisi nasional berdasarkan Pedoman faktor emisi nasional berdasarkan Pedoman
Penghitungan dan Pelaporan Inventarisasi Gas Penghitungan dan Pelaporan Inventarisasi Gas
Rumah Kaca Direktorat Jenderal Ketenagalistrikan Rumah Kaca Direktorat Jenderal Ketenagalistrikan
Kementerian ESDM tahun 2019. Kementerian ESDM tahun 2019.
102 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Emisi yang Dihasilkan
Generated Emission [F.11]
Satuan
Uraian 2023 2022 2021 Description
Unit
Cakupan 1 Ton CO2 Eq 1.552,70 3.722,78 3.821,43 Scope 1
Cakupan 2 Ton CO2 Eq 183,84 665,75 604,33 Scope 2
Total Emisi yang Ton CO2 Eq 1.736,54 4.388,50 4.425,76 Total Emmission
Dihasilkan Generated
Intensitas Emisi Ton CO2 Eq / 1,53 4,00 4,28 Intensity of Emission
Karyawan
Ton CO2 Eq /
Employee
PENGGUNAAN AIR WATER USAGE
Air merupakan sumber daya material yang Water is a material resource required for
dibutuhkan untuk kegiatan pendukung seperti supporting activities such as washing equipment
mencuci peralatan dan kebutuhan pribadi. Meski and personal needs. Although the Bank does not
Bank tidak menggunakan air secara signifikan use water significantly for operational activities
untuk kegiatan operasional dibandingkan compared to industries that produce goods, Hana
industri yang memproduksi barang, Bank Hana Bank still endeavors to use water wisely. The water
tetap berupaya untuk menggunakan air secara used by the Bank comes from the building. The
bijak. Adapun air yang digunakan Bank berasal following is information on water usage at Hana
dari pihak gedung. Berikut adalah informasi Bank:
penggunaan air di Bank Hana:
Penggunaan Air dan Intensitas
Water Usage and Intensity [F.8]
Satuan
Uraian 2023 2022 2021 Description
Unit
Total Penggunaan m3 12.001,78 15.950 19.649 Water Usage
Air
Intensitas Air m3/ 10,59 14,54 19,02 Water Intensity
Karyawan
m3/Employee
PENGGUNAAN MATERIAL LAINNYA [F.5] USE OF OTHER MATERIALS [F.5]
Bank belum secara khusus menggunakan The Bank has not specifically used environmentally
material ramah lingkungan. Meski demikian, friendly materials. However, the Bank strives to
Bank berupaya mengurangi penggunaan kertas reduce the use of paper by utilizing technological
dengan memanfaatkan kemajuan teknologi advances through the MyHana Mobile Banking
melalui layanan perbankan digital MyHana digital banking service. The bank will also print
Mobile Banking. Bank juga hanya akan mencetak only a few documents where it is possible to view
beberapa dokumen yang memungkinkan dengan them back-to-back or use the blank pages of used
tampilan bolak-balik atau memanfaatkan halaman paper.
yang kosong dari kertas yang sudah terpakai.
Jumlah Kertas Terpakai
Use of Paper
Uraian/Description Satuan/Unit 2023 2022 2021 Description
Penggunaan Kertas Kg 12.745 13.516 12.634 Paper Used
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 103
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Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
SARANA PENGADUAN LINGKUNGAN [F.16] ENVIRONMENTAL GRIEVANCE TOOL [F.16]
Bank Hana terbuka dengan segala keluhan, Hana Bank is open to all complaints, criticism, input,
kritikan, masukan, dan rekomendasi terkait and recommendations related to environmental
masalah lingkungan yang diakibatkan aktivitas issues caused by its operational activities. The
operasional. Bank memiliki sarana pengaduan Bank has a grievance facility for parties who wish
untuk pihak-pihak yang ingin melaporkan to report environmental issues through Call Hana
masalah lingkungan melalui Call Hana 1-500- 1-500-021 to be followed up appropriately. In 2023,
021 untuk ditindaklanjuti secara tepat. Pada the Bank did not receive any reports of violations
tahun 2023, Bank tidak mendapatkan laporan or complaints related to environmental issues.
pelanggaran atau pengaduan terkait masalah
lingkungan hidup.
BIAYA PENGELOLAAN LINGKUNGAN ENVIRONMENTAL MANAGEMENT COSTS
[F.4] [F.4]
Bank tidak mengeluarkan biaya khusus yang The Bank does not incur special costs allocated to
dialokasikan dalam pengelolaan lingkungan environmental management except for financing
hidup, kecuali pembiayaan kegiatan usaha yang business activities that are in accordance with the
sesuai dengan prinsip keuangan berkelanjutan. principles of sustainable finance.
104 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
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Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Tanggung Jawab Laporan Keberlanjutan
Sustainability Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi tentang Tanggung Jawab
atas Laporan Keberlanjutan 2023 PT Bank KEB Hana Indonesia
Statement of Members of the Board of Commissioners and the Board of Directors on the
Responsibility for the 2023 Sustainability Report of PT Bank KEB Hana Indonesia
Kami, yang bertanda tangan di bawah ini, We, the undersigned, hereby declare that the
menyatakan bahwa semua informasi dalam 2023 Sustainability Report of PT Bank KEB Hana
Laporan Keberlanjutan PT Bank KEB Hana Indonesia has already contained complete
Indonesia tahun 2023 telah dimuat secara information and we shall be fully responsible
lengkap dan bertanggung jawab penuh atas for the correctness of the Bank’s Sustainability
kebenaran isi Laporan Keberlanjutan Bank. Report content.
Demikian pernyataan ini dibuat dengan This statement is hereby made in all truthfulness.
sebenarnya.
Jakarta, April 2024
Dewan Komisaris,
Board of Commissioners,
Eka Noor Asmara Sungwhan Lee Dino Patti Djalal
Komisaris Independen Komisaris Utama Komisaris Independen
Independent Commissioner President Commissioner Independent Commissioner
Direksi,
Board of Directors,
Bayu Wisnu Wardhana Jong Jin Park Sang Keun Kwak
Direktur Kepatuhan dan Legal Direktur Utama Direktur Teknologi Informasi
Compliance & Legal Director President Director Information Technology Director
Ratna Ningsih Seong Hyeok Mun Geoffry Nugraha
Direktur Kredit Direktur Keuangan Direktur Bisnis
Credit Director Finance Director Business Director
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 105
Page 108
Tentang Laporan Keberlanjutan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
About Sustainability Report Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
Performance
Daftar Pengungkapan sesuai Peraturan
Otoritas Jasa Keuangan Nomor 51/
POJK.03/2017 [G.4]
List of Disclosure Based on POJK NO.51/POJK.03/2017 [G.4]
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan 40
Explanation on Sustainability Strategies
Ikhtisar Kinerja Aspek Keberlanjutan
Overview of Sustainability Aspects Performance
B.1 Aspek Ekonomi 12
Economy Aspects
B.2 Aspek Lingkungan Hidup 13
Environmental Aspects
B.3 Aspek Sosial 13
Social Aspects
Profil Perusahaan
Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan 20
Vission, Mission, Sustainable Values
C.2 Alamat Perusahaan 12
Company Address
C.3 Skala Usaha: 18, 23, 28, 84
1. Total aset atau kapitalisasi dan total kewajiban;
2. Jumlah karyawan menurut jenis kelamin, jabatan, usia, pendidikan, dan status
ketenagakerjaan;
3. Nama pemegang saham dan persentase kepemilikan saham; dan
4. Wilayah operasional
Business Scale:
1. Total assets or assets capitalizationm and total liabilities;
2. Total employee based on gender, position, age, education and employment status;
3. Percentage of share ownership; and
4. Operational area.
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan 24
Product, Service and Business Activities
C.5 Keanggotaan pada Asosiasi 27
Member Association
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan 19
Significant Changes
Penjelasan Direksi
Director Explanation
D.1 Penjelasan Direksi 30
Director Explanation
Tata Kelola Keberlanjutan
Sustainable Corporate Governance
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan 52
Person in Charge Responsibility for Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan 53
Sustainable Finance Competency Development
E.3 Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan 54
Sustainable Finance Risk Assessment Implementation
106 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
Page 109
Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
E.4 Hubungan dengan Pemangku Kepentingan 6
Stakeholders Relations
E.5 Permasalahan Terhadap Penerapan Keuangan Berkelanjutan 45
Sustainable Finance Implementation Problems
Kinerja Keberlanjutan
Sustainable Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan 102
The Activities of Building a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau 65
Investasi, Pendapatan dan Laba Rugi
Comparison of Production Targets and Performance, Portfolio, Financial Targets, or
Investment, Revenue and Profit
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada 68
Instrumen Keuangan atau Proyek yang Sejalan dengan Keuangan Berkelanjutan
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments
in Financial Instruments or Projects in Line With the Implementation of Sustainable
Finance
Kinerja Lingkungan Hidup
Environmental Performance
F.4 Biaya Lingkungan Hidup 104
Environment Cost Incurred
Aspek Material
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan 103
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan 102
The Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan 102
Efforts and Achievement of Energy Efficiency Including Use of Renewable Energy
Sources
Aspek Air
Water Aspect
F.8 Penggunaan Air 103
Water Used
Aspek Keanekaragaman Hayati
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Tidak Relevan
Memiliki Keanekaragaman Hayati Not Relevant
Impacts from Operational Areas Close to or in Conservation Areas or Having Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati Tidak Relevan
Biodiversity Conservation Efforts Not Relevant
Aspek Emisi
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 103
The Amount and Intensity of Emissions Produced by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan 102
Efforts and Achievement Emission Reduction Carried Out
Aspek Limbah dan Efluen
Waste and Effluent Aspect
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis Tidak Relevan
The Amount of Waste and Effluent Produced by Type Not Relevant
F.14 Mekanisme Pengelolaan Limbah dan Efluen Tidak Relevan
Mechanism of Waste and Effluent Management Not Relevant
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 107
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Tentang Laporan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
Keberlanjutan Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
About Sustainability Report Performance
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
F.15 Tumpahan yang Terjadi (jika ada) Tidak Relevan
Spills that Occur (if any) Not Relevant
Aspek Pengaduan Terkait Lingkungan Hidup
Environmental Complaint Aspect
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan 104
The Amount and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Aspect
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada 72
Konsumen
Commitment to Provide Services for Equivalent Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
F.18 Kesetaraan Kesempatan Bekerja 86
Equality of Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa 87
Child Labor and Forced Labor
F.20 Upah Minimum Regional 88
The Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman 91
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai 90
Training and Capacity Building of Employees
Aspek Masyarakat
Society Aspect
F.23 Dampak Operasi Terhadap Masyarakat Sekitar 96
Operational Impacts to the Surrounding Community
F.24 Pengaduan Masyarakat 78
Public Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) 96
Environmental and Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibilities for Developing Sustainable Products/Services
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan 74
Innovation and Development of Sustainable Financial Products and/or Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan 73
Products/Services that have been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa 73
Products/Service Impacts
F.29 Jumlah Produk yang Ditarik Kembali Tidak Relevan
Number of Products Recalled Not Relevant
F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan 79
Customer Satisfaction Survey of Sustainable Finance and/or Services
Lain-lain
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada) 5
Written Verification from an Independent Party (if any)
G.2 Lembar Umpan Balik 5
Feedback Form
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya 109
Feedback on Previous Year’s Sustainability Report
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 106
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten,
dan Perusahaan Publik
Disclosure List Based on POJK No.51/POJK.03/2017 regarding the Implementation of
Sustainable Finance for Financial Services Institutions, Listed Companies and Public
Companies
108 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
Page 111
Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
Lembar Umpan Balik
Feedback Form [G.3]
PT BANK KEB HANA INDONESIA menerbitkan PT BANK KEB HANA INDONESIA issued the 2023
Laporan Keberlanjutan tahun 2023 yang berisi Sustainability Report that contains information
tentang informasi mengenai berbagai upaya yang regarding various efforts carried out in line with its
dilakukan dalam menjalankan peran dan tanggung role and responsibilities to implement sustainable
jawabnya dalam mengimplementasikan praktik business practices throughout this period.
bisnis yang berkelanjutan selama periode
tersebut.
Kami sangat berharap untuk dapat menerima We value your input, feedback or suggestions to
masukan, umpan balik atau saran untuk perbaikan improve in future. Kindly complete this feedback
di masa mendatang. Anda dapat mengisi lembar form and submit this back to us.
umpan balik ini dan mengirimkannya kembali
kepada kami.
PROFIL ANDA
YOUR PROFILE
Nama | Name (optional) :
Institusi/Perusahaan | Institution/Company (optional) :
Telp. /HP | Institution/Company :
Golongan Pemangku Kepentingan (beri tanda silang yang :
sesuai) | Stakeholder Groups (tick approLaki-lakite)
Pemerintah | Government Industri | Industry Media | Media Lembaga Pendidikan | Educational Institutions
LSM | NGO Masyarakat | Community Lain-lain | Others
Pernyataan Alasan
No. SS | SA S|A RR | SD TS | D STS | SD
Statements Comment
1 Laporan ini bermanfaat bagi Anda
This report is of benefit to you
2 Laporan ini sudah mengambarkan
kinerja Perusahaan dalam mendukung
pembangunan berkelanjutan
This report has described the Company’s
performance in sustainable development
3 Laporan ini mudah dimengerti
This report is easy to understand
4 Laporan ini menarik
This report is interesting
5 Laporan ini meningkatkan kepercayaan
Anda terhadap keberlanjutan Perusahaan
This report enhances your trust towards
the Company’s sustainability
SS: Sangat Setuju S: Setuju RR: Ragu-ragu T S: Tidak Setuju STS: Sangat Tidak Setuju
SA: Strongly Agree A: Agree SD: Somewhat Disagree D: Disagree SD: Strongly Disagree
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 109
Page 112
Tentang Laporan Ikhtisar Kinerja Keberlanjutan Profil Perusahaan Sambutan Direksi Strategi Keberlanjutan
Keberlanjutan Sustainability Highlight Company Profile Board of Directors Report Sustainability Strategy
About Sustainability Report Performance
Saran dan/atau kritik mengenal isi, desain, layout dan lain-lain Informasi yang dapat ditambahkan
Comments on content, design, layout, etc. Any additional comments
a.
b.
c.
Terima kasih atas kesediaan Bapak/Ibu untuk Thank you for your time to fill in this feedback form.
meluangkan waktu dalam mengisi feedback form
ini.
Mohon agar formulir ini dapat dikirim kepada Please send this form back to us.
kami.
Mangkuluhur City Tower One Lt.11
Bayu Wisnu Wardhana Jl. Jend. Gatot Subroto Kav. 1-3
Sekretaris Perusahaan Jakarta Selatan, 12930
T: (+6221) 5081 1111
Corporate Secretary F: (+6221) 5081 1123
E: corp.info@hanabank.co.id
W: www.hanabank.co.id
110 PT BANK KEB HANA INDONESIA LAPORAN KEBERLANJUTAN 2023
Page 113
Tata Kelola Keberlanjutan Kinerja Operasional, Produk, Kinerja Pengembangan Kinerja Pengembangan Sosial Kinerja Pengelolaan
Sustainability Governance dan Layanan Karyawan Masyarakat Lingkungan
Operational, Products and Performance of Employee Performance of Social Environmental Management
Services Performance Development Community Development Performance
PT BANK KEB HANA INDONESIA 2023 SUSTAINABILITY REPORT 111
Page 114
Laporan Keberlanjutan Sustainabilityy Report 2023 PT Bank KEB Hana Indonesia Mangkuluhur City Tower One Jl. Jend. Gatot Subroto Kav. 1-3 Jakarta Selatan, 12930 T: (+6221) 5081 1111 F: (+6221) 5081 1123 W: www.hanabank.co.id
Names mentioned 83 people and organisations named in the text · linked when the evidence is strong
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Bank Hana Hana Bank
p.4 ×3
unresolved
org
Bank Hana
p.6 ×76
unresolved
org
Financial Services Authority
p.7 ×6
unresolved
org
Bank Indonesia
p.9 ×6
unresolved
—
Employee
p.9
unresolved
org
Insurance Corporation
p.10
unresolved
org
Bank Hana. Confidentiality Data
p.11
unresolved
org
PT BANK KEB HANA INDONESIA BANK TERBAIK
p.16
unresolved
org
Bank Category
p.17
unresolved
org
PT Bank KEB Hana Indonesia Bank Swasta
p.17
unresolved
org
Bank Devisa
p.17
unresolved
org
Bank Devisa KBMI
p.17
unresolved
org
Bank Category Sertifikasi Certification Tanggal Perolehan
p.17
unresolved
org
PT Bank KEB Hana Indonesia BIDANG
p.20
unresolved
org
LINE Financial Corporation
p.20
unresolved
org
Menjual Obligasi Private Limited
p.20
unresolved
org
PT Bank Pasar Pagi Madju
p.21 ×2
unresolved
org
PT Bank Bintang Manunggal
p.21 ×3
unresolved
org
PT Bank KEB Indonesia
p.21 ×2
unresolved
org
Minister of Finance
p.21
unresolved
org
PT Bank Bintang
p.21
unresolved
org
PT Hana Bank
p.21 ×2
unresolved
org
PT Bank KEB Hana Indonesia. PERINGKAT Rating
p.21
unresolved
org
PT Fitch Ratings Indonesia
p.21
unresolved
org
PT Asuransi Allianz Life Insurance
p.26 ×2
unresolved
org
PT Asuransi Simas Jiwa.
p.26 ×2
unresolved
org
Reksa Dana Pasar Uang
p.26
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org
Reksa Dana Pendapatan Tetap
p.26
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org
Reksa Dana Perimbangan
p.26
unresolved
org
PT Batavia Prosperindo Aset Manajemen
p.26 ×2
unresolved
org
PT Allianz Global Investor Asset Management Indonesia
p.26 ×2
unresolved
org
PT Shinhan Asset Management Indonesia
p.26 ×2
unresolved
org
Bank Debit Card
p.27 ×2
unresolved
org
Bank Priority Banking Debit Card. TRUST
p.27
unresolved
org
Bank Hana Priority Banking
p.27
unresolved
org
Bank Priority Banking
p.27
unresolved
org
Bank Garansi
p.27
unresolved
org
Bank Luncurkan Kartu Debit
p.28
unresolved
org
Bank Launch New Debit Card
p.28
unresolved
person
Forum Komunikasi
· Direktur
p.29 ×2
unresolved
—
FKPDKP
· Anggota
p.29
unresolved
org
Bank Agen Penjual Efek Reksa Dana Indonesia
p.29
unresolved
—
ABAPERDI
· Anggota
p.29
unresolved
—
LAPS SJK
· Anggota
p.29
unresolved
—
FKPDOP
· Anggota
p.29
unresolved
org
PT Bank KEB Hana Indonesia Jong Jin Park
p.39
unresolved
person
Kredi
· Direktur Utama
p.40
unresolved
org
Bank Hana Sustainable Finance Principles
p.52 ×2
unresolved
org
Bank Pengembangan Sektor Unggulan Prioritas
p.53
unresolved
org
Bank Portfolio Study
p.55
unresolved
org
Bank Hana. Bank
p.61
unresolved
org
Bank Terpercaya
p.66
unresolved
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Bank Korea
p.72 ×2
unresolved
org
Deposit Insurance Corporation
p.75
unresolved
org
Bank Debit
p.76 ×2
unresolved
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Bank Becomes
p.78
unresolved
org
Bank Hana AIdvisor. Bank Hana
p.78
unresolved
org
Bank Hana. Komitmen Menjaga Kerahasiaan Data Nasabah
p.79
unresolved
org
Bank Indonesia Regulation
p.79
unresolved
org
Bank Hana. Edukasi Nasabah
p.79
unresolved
org
Bank Hana Hana Bank Office Network
p.80
unresolved
org
Bank Hana. Persentase Tidak Pengaduan
p.81
unresolved
org
Bank Complaint
p.82
unresolved
org
Penyelenggara Jaminan Sosial
p.94
unresolved
org
Bank Korea. Hana Bank
p.100
unresolved
org
Bank Korea. Pendidikan
p.100
unresolved
org
Direktorat Jenderal Ketenagalistrikan
p.104
unresolved
org
Direktorat Jenderal Ketenagalistrikan Kementerian ESDM
p.104
unresolved
org
Kementerian ESDM
p.104
unresolved
org
PT Bank KEB Hana Indonesia Statement
p.107
unresolved
org
PT Bank KEB Hana
p.107 ×2
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