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PENGUATAN FUNDAMENTAL
UNTUK PERTUMBUHAN BERKELANJUTAN
Strengthening Fundamentals for Sustainable Growth
Laporan Keberlanjutan 2025 Sustainability Report
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 1
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2 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
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Penjelasan Tema
Theme Description
Menguatkan Fondasi,
Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Tahun2025menjadimomentumstrategisbagiBankArthaGraha The year 2025 marked a strategic momentum for Bank Artha
Internasionaldalammenguatkanfondasibisnisgunamendukung Graha Internasional in strengthening its business fundamentals
pertumbuhan berkelanjutan. Di tengah dinamika ekonomi dan to support sustainable growth. Amid economic dynamics
tekanan profitabilitas industri perbankan, Bank tetap menjaga and profitability pressures in the banking industry, the Bank
kinerja operasional yang stabil, didukung permodalan yang maintained stable operational performance, supported by
kuat dan likuiditas yang memadai. Pembentukan Cadangan strong capital and adequate liquidity. The establishment of
Kerugian Penurunan Nilai (CKPN) dilakukan secaraprudent untuk Allowance for Impairment Losses was carried out prudently
menjaga kualitas aset serta mengantisipasi risiko ke depan tanpa to preserve asset quality and anticipate future risks without
mengurangi kekuatan modal. compromising capital strength.
Fondasi yangsolidtersebut menjadilandasandalammendorong This solid foundation serves as the basis for driving long-
pertumbuhan berkelanjutan yang berorientasi jangka panjang. term sustainable growth. The Bank consistently aligns its
Bank secara konsisten menyelaraskan strategi bisnis dengan business strategy with sustainability principles through
prinsipkeberlanjutanmelaluipengelolaanrisikoyangbertanggung responsible risk management, support for productive
jawab, dukungan pada sektor produktif, serta penerapan sectors, and the implementation of environmental, social,
aspek lingkungan, sosial, dan tata kelola (ESG). Pendekatan ini and governance (ESG) aspects. This approach strengthens
memperkuatketahanandanadaptabilitasBank,sekaligusmenjaga the Bank’s resilience and adaptability, while ensuring business
kesinambungan usaha dan kontribusinya bagi perekonomian continuity and its contribution to the national economy.
nasional.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 3
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Daftar Isi
Table of Contents
Penjelasan Tema Demografi Karyawan
3 65
Theme Explanation Employee Demographics
Daftar Isi Perubahan Signifikan pada Organisasi dan Rantai
4
Table of Contents Pasokan
69
Significant Changes in the Organization and
Supply
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Tata Kelola Keberlanjutan
Ikhtisar Kinerja Keberlanjutan
10 Sustainability Governance
Sustainability Performance Highlights
Tata Kelola Keberlanjutan
76
Sustainability Governance
Strategi Keberlanjutan Prinsip Tata Kelola Perusahaan
77
Sustainability Strategy Principles of Corporate Governance
Strategi Keberlanjutan PT Bank Artha Graha Struktur Tata Kelola Perusahaan
78
Internasional Corporate Governance Structure
16
Sustainability Strategy of PT Bank Artha Graha
Internasional Rapat Umum Pemegang Saham
79
General Meeting of Shareholders
Dewan Komisaris
80
Board of Commissioners
Penjelasan Direksi
Message from the Board of Directors Direksi
84
Board of Directors
Penjelasan Direksi
22
Message from the Board of Directors Pencegahan Benturan Kepentingan
89
Conflict of Interest Prevention
Penanggung Jawab Pelaksanaan Keuangan
Profil Perusahaan Berkelanjutan
90
Person in Charge of Sustainable Finance
Company Profile
Implementation
Identitas Perusahaan Peran Direksi dalam Pelaporan Keberlanjutan
44
Corporate Identity Role of the Board of Directors in Sustainability 91
Sejarah Singkat Perseroan Reporting
46
Brief History of the Company Pengembangan Kompetensi Terkait Kegiatan
Visi, Misi, dan Nilai-Nilai Bank Berkelanjutan
48 92
Vision, Mission, and Corporate Values Competency Development Related to Sustainable
Activities
Kegiatan Usaha
50 Penilaian Kinerja dan Pemisahan Fungsi Dewan
Business Activities
Komisaris dan Direksi
Struktur Organisasi Performance Evaluation and Separation of 95
58
Organizational Structure Functions of the Board of Commissioners and
the Board of Directors
Lokasi Operasi dan Pasar yang Dilayani
60
Operating Locations and Markets Served Proses Manajemen Risiko
96
Risk Management Process
Skala Perusahaan
64
Company Scale
4 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 5
Remunerasi dan Nominasi Dewan Komisaris dan Inisiatif dan Kebijakan Strategis Bank Tahun 2025
Direksi Strategic Initiatives and Policies of the Bank in 128
104
Remuneration and Nomination of the Board of 2025
Commissioners and the Board of Directors
Kinerja Ekonomi Bank Tahun 2025
131
Pelibatan Pemangku Kepentingan Economic Performance of the Bank in 2025
105
Stakeholder Engagement
Distribusi Nilai Ekonomi
134
Kode Etik Distribution of Economic Value
108
Code of Conduct
Dana Pihak Ketiga
137
Kebijakan Antikorupsi dan Anti-fraud Third Party Funds
111
Anti-Corruption and Anti-Fraud Policy
Kredit Berdasarkan Kategori Kegiatan Usaha
Penerapan Anti Pencucian Uang, Pencegahan Berkelanjutan 137
Pendanaan Terorisme dan Pencegahan Pendanaan Loans by Sustainable Business Activity Category
Proliferasi Senjata Pemusnah Massal (APU, PPT &
PPPSPM) Penyaluran Produk Usaha Mikro, Kecil dan
Implementation of the Anti Money Laundering, 113 Menengah (UMKM)
139
Countering the Financing of Terrorism, and Distribution of Micro, Small, and Medium
Prevention of the Financing of Proliferation of Enterprise (MSME) Products
Weapons of Mass Destruction (AML, CTF, & Kontribusi kepada Pembangunan Infrastruktur di
PPPSPM) Programs Indonesia
140
Komunikasi Masalah Penting, Mekanisme untuk Contribution to Infrastructure Development in
Mencari Nasihat dan Mengemukakan Masalah, Indonesia
serta Proses untuk Memulihkan Dampak Negatif Portofolio Produk dengan Manfaat Sosial
Communication of Critical Concerns, 114 141
Portfolio of Products with Social Benefits
Mechanisms for Seeking Advice and Raising
Concerns, and Processes for Remediating Pengungkapan Kerangka Governansi, Pengelolaan
Negative Impacts dan Pengendalian Aspek Perpajakan
142
Disclosure of the Governance Framework,
Proses untuk Memulihkan Dampak Negatif Management and Control of Taxation Aspects
115
Process to Remediate Negative Impacts
Implikasi Finansial Serta Risiko dan Peluang Lain
Sistem Pelaporan Pengaduan Pelanggaran Akibat dari Perubahan Iklim
115 143
Whistleblowing System Financial Implications as Well as Other Risks and
Etika Usaha dan Tata Perilaku Opportunities Arising from Climate Change
120
Business Ethics and Code of Conduct Kewajiban Program Pensiun Manfaat Pasti dan
Budaya Kepatuhan Bank Program Pensiun Lainnya
121 148
Bank Compliance Culture Defined Benefit Pension Obligations and Other
Pension Program
Permasalahan terhadap Penerapan Kegiatan
Berkelanjutan Bantuan Finansial yang Diterima dari Pemerintah
121 Financial Assistance Received from the 149
Issues Regarding the Implementation of
Sustainability Initiatives Government
Memperkuat Pertumbuhan
Berkelanjutan
Strenghten Sustainable Growth
Sekilas Ekonomi Global dan Nasional
126
Overview of the Global and National Economy
Kinerja Lapangan Usaha Jasa Keuangan 2025
Performance of the Financial Services Sector in 127
2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 5
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Menghadirkan Manfaat Nyata Harmoni Bersama Membangun
bagi Masyarakat Lingkungan Kerja Berkualitas
Delivering Tangible Benefits to the Harmony in Building a Quality Work
Community Environment
Tujuan Penerapan CSSR Landasan Kebijakan
153 191
Objectives of CSSR Implementation Policy Framework
Metode Program CSSR Penanggung Jawab K3
154 192
CSSR Program Method OHS Responsibility
Pelaksanaan Kegiatan CSSR Tahun 2025 Rencana Program K3 Tahun 2025
155 192
Implementation of CSSR Activities in 2025 OHS Program Plan for 2025
Program Literasi dan Inklusi Keuangan Pelaksanaan Program K3
166 192
Financial Literacy and Inclusion Program Implementation of OHS Programs
Pengaduan Masyarakat Implementasi Standar K3 Perkantoran
168 193
Community Complaints Implementation of Office OHS Standards
Kinerja Maksimal dengan Human Capital Andal Kinerja K3 Tahun 2025
195
Maximizing Performance with Reliable Human 169 OHS Performance in 2025
Capital
Landasan Kebijakan
170
Policy Framework Membangun Kepercayaan
Menghormati Hak Asasi Manusia dan Menjunjung Melalui Layanan Unggul
Tinggi Kesetaraan 171 Building Trust through Excellent
Respecting Human Rights and Upholding Equality Services
Rekrutmen dan Turnover Karyawan Landasan Kebijakan
173 198
Employee Recruitment and Turnover Policy Framework
Keanekaragaman Karyawan Layanan Setara untuk Nasabah
176 199
Employee Diversity Equal Services for Customers
Remunerasi dan Tunjangan Informasi Produk dan Layanan
176 200
Remuneration and Benefits Information on Products and Services
Cuti Parental Komunikasi Pemasaran
180 201
Maternity Leave Marketing Communications
Pelatihan dan Pengembangan Kompetensi Inovasi Produk/Jasa
202
Karyawan Product/Service Innovation
180
Employee Training and Competency
Development Produk yang telah Dievaluasi Keamanannya Bagi
Nasabah 206
Penilaian Kinerja Karyawan Products Evaluated for Customer Safety
185
Employee Performance Appraisal
Dampak Produk/Jasa
207
Hubungan Industrial dan Kebebasan Berserikat Product/Service Impacts
186
Industrial Relations and Freedom of Association
Jumlah Produk/Jasa yang Ditarik Kembali
208
Penyampaian dan Penyelesaian Keluhan Number of Products/Services Recalled
186
Grievance Submission and Resolution
Kerahasiaan Nasabah
208
Customer Confidentiality
Sarana Pengaduan Nasabah
209
Customer Complaint Channels
Survei Kepuasan Nasabah
212
Customer Satisfaction Survey
6 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 7
Mewujudkan Komitmen Lampiran
Lingkungan untuk Appendices
Keberlanjutan Verifikasi Tertulis dari Pihak Independen
236
Realizing Environmental Commitment Written Verification from an Independent Party
for Sustainability Lembar Umpan Balik
237
Upaya Melestarikan Lingkungan Feedback Form
216
Environmental Preservation Efforts
Tanggapan terhadap Umpan Balik Laporan
Komitmen Bank terhadap Kelestarian Lingkungan Keberlanjutan Tahun Sebelumnya
239
Commitment of the Bank to Environmental 217 Response to Feedback on the Previous Year’s
Sustainability Sustainability Report
Pemakaian Kertas Daftar Pengungkapan Sesuai POJK No.51/
219 OJK.03/2017
Paper Usage 239
Disclosure List in Accordance with POJK No.51/
Pengelolaan Energi OJK.03/2017
220
Energy Management
Indeks GRI Universal Standards 2021
Pengelolaan Emisi Gas Rumah Kaca 243
224 GRI Universal Standards 2021 Index
Greenhouse Gas Emissions Management
Keselarasan Laporan Keberlanjutan/
Pengelolaan Air Tahunan dengan Metrik ESG IDX
229 253
Water Management Alignment of Sustainability/Annual Reports with
IDX ESG Metrics
Pengelolaan Limbah
230
Waste Management Sustainable Banking Assessment (SUSBA) 255
Keanekaragaman Hayati Sustainability Accounting Standard Commercial
231 257
Biodiversity Banks (SASB)
Biaya Lingkungan
232
Environmental Costs
Pengaduan Masalah Lingkungan
232
Environmental Complaints
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 7
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Ikhtisar Kinerja Keberlanjutan Sustainability Performance Overview
Page 9
01
Page 10
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Overview
Aspek Ekonomi [OJK B.1]
Economic Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Pendapatan Bunga – Bersih Jutaan Rupiah
733.371 910.069 981.979
Interest Income – Net Million Rupiah
Laba/Rugi Jutaan Rupiah
(567.520) 152.474 146.753
Profit/Loss Million Rupiah
Pembayaran Pajak dan Retribusi Jutaan Rupiah
226.929 190.911 135.611
Tax and Levy Payment Million Rupiah
Pembiayaan Non-Kegiatan Usaha Berkelanjutan Jutaan Rupiah
9.423.467 10.228.445 11.818.488
Financing of Non-Sustainable Business Activities Million Rupiah
Pembiayaan Kegiatan Usaha Berkelanjutan Jutaan Rupiah
368.968 377.034 328.880
Financing of Sustainable Business Activities Million Rupiah
% Pembiayaan Kegiatan Usaha Berkelanjutan dari
Total Pembiayaan
% 3,77 3,56 2,71
% of Financing Sustainable Business Activities from
Total Funding
Nilai Pinjaman menurut Segmen [FN-CB-000.B]
Loan Amount by Segment
Perorangan Jutaan Rupiah
3.004.916 3.454.793 3.828.338
Personal Million Rupiah
Usaha Kecil Jutaan Rupiah
240.142 229.351 186.247
Small Enterprises Million Rupiah
Korporasi Jutaan Rupiah
6.547.377 6.921.335 8.132.783
Corporate Million Rupiah
Kerja Sama dengan Pemasok Lokal
Cooperation with Local Supplier
Jumlah Mitra
Total Pemasok Lokal
Number of 500 445 516
Total Local Suppliers
Partners
Nilai Kerja Sama Jutaan Rupiah
240.389 166.211 158.792
Cooperation Value Million Rupiah
Kinerja Aspek Ekonomi terkait Keberlanjutan
Performance of Economic Aspects related to Sustainability
Jenis produk yang memenuhi kriteria kegiatan
usaha berkelanjutan (KKUB) Unit produk
1 2 2
Types of products that meet the criteria for Product Unit
sustainable business activities (KKUB)
Nominal produk dan/atau jasa yang memenuhi
kriteria kegiatan usaha berkelanjutan (KKUB) Jutaan Rupiah
368.968 377.034 328.880
Nominal products and/or services that meet the Million Rupiah
criteria for sustainable business activities (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%):
Percentage of total portfolio of sustainable business activities to total portfolio (%):
Penghimpunan Dana
% - - -
Fundraising
Penyaluran Dana
% 3,77 3,56 2,71
Fund Distribution
10 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 11
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Overview
Aspek Ekonomi [OJK B.1]
Economic Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Kinerja Keuangan Inklusif
Inclusive Finance Performance
Perkembangan Laku pandai:
Progress of Laku Pandai:
Jumlah Agen Agen
12 27 27
Number of Agents Agent
Nominal produk dan/atau jasa yang disediakan oleh
Agen Jutaan Rupiah
9,9 213,1 213,9
Nominal of products and/or services provided by Million Rupiah
Agents
Jumlah Peserta Literasi Keuangan Orang
766 1.422 1.356
Number of Financial Literacy Participants People
Realisasi nominal produk dan/atau jasa Bank yang memenuhi The realized nominal value of the Bank’s products and/or
Kriteria Kegiatan Usaha Berkelanjutan (KKUB) sesuai dengan services that meet the Criteria for Sustainable Business
Kegiatan Usaha Berwawasan Lingkungan (KUBL) 1 s/d 12 Activities in accordance with Environmentally Sound Business
periode tahun 2025 sebesar Rp368.968 juta, turun sebesar Activities items 1 to 12 for the 2025 period amounted to
Rp8.066 juta atau 2,14% dibandingkan pencapaian tahun IDR368,968 million, representing an decrease of IDR8,066
2024 yang tercatat sebesar Rp377.034 juta. million or 2.14% compared to the achievement in 2024, which
was recorded at IDR377,034 million.
Aspek Lingkungan [OJK B.2]
Environmental Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Penggunaan BBM Liter 529.756 441.787 403.555
Fuel usage Gigajoule 18.117 15.109 13.801
Penambahan (Pengurangan) Penggunaan BBM Liter 87.969 38.232 (27.902)
Addition (Reduction) of Fuel Usage Gigajoule 3.008 1.308 (954)
Penggunaan Listrik Kwh 5.419.548 5.897.935 5.847.439
Electricity Usage Gigajoule 19.510 21.232 21.051
Penambahan (Pengurangan) Penggunaan Listrik Kwh (478.387) 50.496 (338.784)
Addition (Reduction) of Electricity Usage Gigajoule (1.715) 181 (1.219)
Jumlah Emisi GRK Cakupan 1 dan Cakupan 2
Ton CO2eq 5.822 6.027* 5.896*
Total Scope 1 and Scope 2 GHG Emission
Emisi GRK Cakupan 1
Ton CO2eq 1.215 1.014* 926*
Scope 1 GHG Emission
Emisi GRK Cakupan 2
Ton CO2eq 4.607 5.013* 4.970*
Scope 2 GHG Emission
Penambahan (Pengurangan) Emisi GRK
Ton CO2eq (205) 131* -
Addition (Reduction) of GHG Emissions
*disajikan kembali
*restate
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 11
Page 12
Aspek Lingkungan [OJK B.2]
Environmental Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Penggunaan Air Meter kubik
37.206 34.180 33.210
Water Usage m3
Penambahan (Pengurangan) Air Meter kubik
3.206 970 (2.216)
Addition (Reduction) of Water Usage m3
Jumlah Limbah
Ton 24,04 21,54 20,36
Total Waste
Penambahan (Pengurangan) Jumlah limbah
Ton 2,50 1,18 (0,08)
Addition (Reduction) of Total Waste
Penggunaan Kertas Continuous Form Dus
142 79 80
Continuous Form Paper Usage Cartons
Penggunaan Kertas HVS Rim
7.418 6.752 6.329
HVS Paper Usage Reams
Penggunaan Kertas Telstruk dan Kertas Thermal Gulung
2.609 2.982 2.811
Telstruct Paper and Thermal Paper Usage Rolls
Pengaduan Lingkungan Kasus
Nihil Nihil Nihil
Environmental Complaints Cases
Jumlah pohon
ditanam/fauna
ditangkarkan
Number of 3.098 4.204 5.920
trees planted
/ fauna
conserved
Bank melalui Artha Graha Peduli bekerja sama dengan Balai Besar
Keanekaragaman Hayati Taman Nasional Bukit Barisan Selatan (TNBBS) dan Balai Konservasi
Biodiversity Sumber Daya Alam Bengkulu mengelola Tambling Wildlife Nature
Conservation (TWNC) seluas 45.000 hektare, yang merupakan bagian
dari Taman Nasional Bukit Barisan Selatan seluas 365.000 hektare.
Through Artha Graha Peduli, the Bank collaborates with the Bukit
Barisan Selatan National Park Authority (TNBBS) and the Bengkulu
Natural Resources Conservation Agency to manage the Tambling
Wildlife Nature Conservation (TWNC) area covering 45,000 hectares,
which forms part of the Bukit Barisan Selatan National Park with a total
area of 365,000 hectares.
12 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 13
Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Overview
Aspek Sosial [OJK B.3]
Social Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Jumlah Total Pegawai Orang
1.037 1.279 1.463
Total Employees People
Jumlah Pegawai Tetap Pria Orang
430 479 574
Number of Permanent Male Employees People
Jumlah Pegawai Kontrak Pria Orang
105 156 164
Number of Male Contract Employees People
Jumlah Pegawai Tetap Wanita Orang
384 459 547
Number of Permanent Female Employees People
Jumlah Pegawai Kontrak Wanita Orang
118 185 178
Number of Female Contract Employees People
Biaya Pengembangan Kompetensi Jutaan Rupiah
6.744 9.926 10.256
Competency Development Costs Million Rupiah
Total Jam Pelatihan dan Pengembangan Karyawan Jam
3.652 6.522 7.804
Total Employee Training and Development Hours Hours
Total Peserta Pelatihan dan Pengembangan
Karyawan Orang
13.317 11.828 16.237
Total Employee Training and Development People
Participants
Jumlah Kecelakaan Kerja Fatal Kasus
3 2 2
Number of Fatal Work Accidents Cases
Penyelesaian Keluhan Nasabah
% 100 100 100
Customer Complaint Settlement
Investasi CSSR Jutaan Rupiah
10.115 5.340 9.314
CSSR Investment Million Rupiah
Aspek Tata Kelola
Governance Aspect
Deskripsi Satuan 2025 2024 2023
Description Unit
Komposisi Perempuan dalam Manajemen Tertinggi Orang
5 3 3
Composition of Female in Top Management People
Jumlah Pengaduan WBS Pengaduan
Nihil Nihil Nihil
Total WBS Complaints Complaints
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 13
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Strategi Keberlanjutan Sustainability Strategy
Page 15
02
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Strategi Keberlanjutan PT Bank Artha Graha
Internasional [OJK A.1] [GRI 2-22]
Sustainability Strategy of PT Bank Artha Graha Internasional
[OJK A.1] [GRI 2-22]
Sebagai bagian integral dari ekosistem keuangan yang As an integral part of the financial ecosystem supporting
mendukung pembangunan berkelanjutan di Indonesia, Bank sustainable development in Indonesia, Bank Artha Graha
Artha Graha Internasional teguh berkomitmen menerapkan Internasional remains firmly committed to implementing
prinsip-prinsip keuangan berkelanjutan di seluruh aspek sustainable finance principles across all aspects of its
operasional dan bisnisnya. Selaras dengan roadmap Otoritas operations and business activities. In alignment with the
Jasa Keuangan (OJK), Bank menjadi pelopor integrasi aspek Financial Services Authority (OJK) roadmap, the Bank has
lingkungan, sosial, dan tata kelola (LST) dalam praktik been a pioneer in integrating environmental, social, and
perbankan sejak 2015. Strategi keberlanjutannya berpijak governance (ESG) aspects into banking practices since
pada visi menjadi institusi keuangan terdepan dengan kinerja 2015. Its sustainability strategy is anchored in the vision of
prima yang berkelanjutan, sekaligus berkontribusi pada becoming a leading financial institution with sustainable
pembangunan ekonomi nasional. Didukung sumber daya excellent performance, while contributing to national
manusia yang mendalami keuangan berkelanjutan, Bank economic development. Supported by human capital
terus mengukuhkan upaya menciptakan nilai jangka panjang with expertise in sustainable finance, the Bank continues
bagi pemangku kepentingan melalui keseimbangan aspek to strengthen its efforts to create long-term value for
ekonomi, sosial, dan lingkungan. stakeholders through a balanced approach across economic,
social, and environmental aspects.
Pendekatan Keuangan Berkelanjutan Sustainable Finance Approach
Dalam mengimplementasikan keuangan berkelanjutan, Bank In implementing sustainable finance, the Bank refers to POJK
berpedoman pada POJK No. 51/POJK.03/2017. Komitmen ini No. 51/POJK.03/2017. This commitment is actualized through
diaktualisasikan melalui penerapan delapan prinsip utama, the application of eight key principles, namely:
yaitu:
1. Investasi Bertanggung Jawab 1. Responsible Investment
Bank memastikan seluruh keputusan investasi The Bank ensures that all investment decisions take into
mempertimbangkan faktor ekonomi, sosial, lingkungan, account economic, social, environmental, and governance
dan tata kelola untuk mendorong pertumbuhan factors to promote sustainable growth.
berkelanjutan.
2. Strategi dan Praktik Bisnis Berkelanjutan 2. Sustainable Business Strategy and Practices
Bank merancang strategi jangka panjang yang mencakup The Bank designs long-term strategies that encompass
visi, misi, rencana bisnis, serta pengelolaan risiko yang vision, mission, business plans, and risk management
selaras dengan keberlanjutan. aligned with sustainability.
3. Pengelolaan Risiko Sosial dan Lingkungan Hidup 3. Social and Environmental Risk Management
Sebagai bentuk mitigasi risiko, Bank menerapkan As part of risk mitigation, the Bank applies the prudential
prinsip kehati-hatian dalam aktivitas penghimpunan principle in fund-raising and lending activities by
dan penyaluran dana dengan menilai dampak sosial dan assessing the social and environmental impacts of
lingkungan dari proyek yang didanai. financed projects.
4. Tata Kelola yang Baik 4. Good Governance
Transparansi, akuntabilitas, independensi, dan Transparency, accountability, independence, and
profesionalisme menjadi dasar dalam setiap aspek professionalism form the foundation of all aspects of
manajemen dan operasi bisnis Bank. the Bank’s management and business operations.
5. Komunikasi yang Informatif 5. Informative Communication
Bank memastikan keterbukaan informasi kepada seluruh The Bank ensures transparency to all stakeholders
pemangku kepentingan melalui penyampaian Laporan through the regular disclosure of the Sustainability Report
Keberlanjutan dan Rencana Aksi Keuangan Berkelanjutan and the Sustainable Finance Action Plan.
(RAKB) secara rutin.
16 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Strategi Keberlanjutan
Sustainability Strategy
6. Inklusivitas Keuangan 6. Financial Inclusion
Bank menyediakan akses terhadap produk dan layanan The Bank provides access to inclusive banking products
perbankan yang inklusif bagi seluruh lapisan masyarakat and services for all segments of society to support
guna mendukung pertumbuhan ekonomi nasional. national economic growth.
7. Dukungan terhadap Sektor Unggulan 7. Support for Priority Sectors
Bank berkomitmen untuk mendukung sektor-sektor The Bank is committed to supporting priority sectors
prioritas yang ditetapkan oleh pemerintah melalui designated by the government through sustainability-
pembiayaan yang berorientasi pada keberlanjutan. oriented financing.
8. Koordinasi dan Kolaborasi 8. Coordination and Collaboration
Bank aktif dalam berbagai forum dan inisiatif nasional The Bank actively participates in various national and
maupun internasional guna memperkuat implementasi international forums and initiatives to strengthen the
keuangan berkelanjutan. implementation of sustainable finance.
Prioritas Implementasi Keuangan Sustainable Finance Implementation
Berkelanjutan Priorities
Guna memastikan tercapainya target keberlanjutan, Bank To ensure the achievement of its sustainability targets,
telah menyusun Rencana Aksi Keuangan Berkelanjutan (RAKB) the Bank has developed a Sustainable Finance Action Plan
yang menitikberatkan pada tiga pilar prioritas berikut: focusing on the following three priority pillars:
1. Pengembangan Kapasitas Internal 1. Internal Capacity Building
Bank memastikan seluruh jajaran memiliki pemahaman The Bank ensures that all personnel have a strong
yang kuat mengenai keuangan berkelanjutan sebelum understanding of sustainable finance prior to full
implementasi secara menyeluruh. implementation.
2. Penyesuaian Organisasi dan Tata Kelola 2. Organizational and Governance Alignment
Bank melakukan penyesuaian struktur organisasi, The Bank adjusts its organizational structure, risk
manajemen risiko, serta tata kelola guna memastikan management, and governance to ensure system and
kesiapan sistem dan prosedur dalam mendukung procedural readiness in supporting sustainable finance.
keuangan berkelanjutan.
3. Pengembangan Produk dan Layanan Keuangan 3. Development of Sustainable Financial Products and
Berkelanjutan Services
Bank terus mengembangkan portofolio pembiayaan, The Bank continues to develop its portfolio of financing,
investasi, dan produk keuangan yang mendukung investments, and financial products that support the
ekonomi hijau serta kegiatan usaha yang berwawasan green economy and environmentally sustainable
lingkungan. business activities.
Inisiatif Keberlanjutan Bank Sustainability Initiatives of the Bank
B a n k te r u s m e m p e r k u at ko m i t m e n ke u a n g a n The Bank continues to strengthen its commitment to
berkelanjutannya melalui rangkaian inisiatif dan strategi sustainable finance through a series of concrete initiatives
nyata di antaranya: and strategies, including:
1. Penguatan program Corporate Social Safety 1. Strengthening the Corporate Social Safety Responsibility
Responsibility (CSSR) yang berbasis pada konsep 3P (CSSR) program based on the 3P (People, Planet, Profit)
(People, Planet, Profit) serta kolaborasi dengan akademisi, concept, as well as collaboration with academics,
komunitas bisnis, masyarakat, dan pemerintah. business communities, society, and the government.
2. Pengembangan komunikasi digital terkait keuangan 2. Enhancing digital communication on sustainable finance
berkelanjutan guna meningkatkan kesadaran di kalangan to increase awareness among millennials and the wider
generasi milenial dan masyarakat luas. community.
3. Peningkatan kebijakan manajemen risiko keberlanjutan, 3. Strengthening sustainability risk management policies,
termasuk penyusunan kebijakan, prosedur, dan strategi including the development of policies, procedures, and
yang mendukung keberlanjutan bisnis. strategies that support business sustainability.
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4. Pengembangan produk dan layanan yang berorientasi 4. Developing sustainability-oriented products and services,
pada keberlanjutan, khususnya melalui pembiayaan pada particularly through financing in sectors classified under
sektor yang termasuk dalam Kategori Kegiatan Usaha the Sustainable Business Activities Category.
Berkelanjutan (KKUB).
5. Penerapan konsep green office dalam operasional 5. Implementing the green office concept in banking
perbankan, serta pengadaan yang berkelanjutan dengan operations, as well as sustainable procurement through
pemanfaatan teknologi informasi untuk efisiensi dan the utilization of information technology for efficiency
pengurangan dampak lingkungan. and the reduction of environmental impact.
6. Peningkatan kapasitas sumber daya manusia (Human 6. Enhancing human capital capacity through training and
Capital) melalui pelatihan dan penataan kelembagaan institutional structuring to ensure readiness in supporting
guna memastikan kesiapan dalam mendukung the implementation of sustainable finance.
implementasi keuangan berkelanjutan.
Mewujudkan Masa Depan Keuangan Realizing Sustainable Finance Future
Berkelanjutan
Melalui strategi yang terukur dan komitmen yang Through well-defined strategies and strong
teguh, Bank senantiasa memperkokoh fundamental commitment, the Bank continuously strengthens the
keberlanjutan dalam seluruh lini operasionalnya. fundamentals of sustainability across all lines of its
Implementasi keuangan berkelanjutan yang progresif operations. The progressive and innovation-driven
dan berbasis inovasi ini merupakan wujud kontribusi implementation of sustainable finance reflects the
nyata Bank dalam mengakselerasi pencapaian Tujuan Bank’s tangible contribution to accelerating the
Pembangunan Berkelanjutan (SDGs) serta mendukung achievement of the Sustainable Development Goals
percepatan transisi ekonomi hijau di Indonesia. (SDGs) and supporting the acceleration of the green
economic transition in Indonesia.
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Strategi Keberlanjutan
Sustainability Strategy
Halaman Ini Sengaja Dikosongkan
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Penjelasan Direksi Message from the Board of Directors
Page 21
03
Page 22
Penjelasan Direksi [GRI 2-22][OJK D.1]
Message from the Board of Directors [GRI 2-22][OJK D.1]
Andy Kasih
Direktur Utama
President Director
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Penjelasan Direksi
Message from the Board of Directors
Para Pemangku Kepentingan yang Terhormat, Dear Valued Stakeholders,
PT Bank Artha Graha Internasional Tbk menunjukkan PT Bank Artha Graha Internasional Tbk demonstrated resilience
ketangguhan di tengah dinamika pasar keuangan yang penuh amid the uncertainty and volatility of the financial market
ketidakpastian sepanjang tahun 2025 melalui peningkatan throughout 2025 by recording an increase in interest income
pendapatan bunga dibandingkan tahun sebelumnya. compared to the previous year. Although this was offset
Meskipun diimbangi oleh kenaikan beban bunga, pendapatan by a rise in interest expenses, other operating income also
operasional lain tercatat mengalami kenaikan, terutama showed growth, primarily driven by higher administrative and
didorong oleh peningkatan pendapatan administrasi dan other fee-based income. Changes in the positions of assets,
komisi lainnya. Perubahan pada posisi aset, liabilitas, dan liabilities, and equity reflect prudent strategic adjustments
ekuitas mencerminkan penyesuaian strategis yang bijaksana to strengthen the long-term foundation, underscoring the
untuk memperkuat fondasi jangka panjang, menandakan Bank’s commitment to managing resources efficiently.
komitmen Bank dalam mengelola sumber daya secara efisien.
Performa keseluruhan ini membentuk fondasi kokoh bagi This overall performance forms a solid foundation for the path
langkah ke depan. Meski beban operasional meningkat forward. Despite a significant increase in operating expenses
signifikan akibat faktor operasional dan penyesuaian nilai due to operational factors and asset value adjustments,
aset, Bank optimis menjadikannya peluang transformasi. Pada the Bank remains optimistic in turning these challenges
2025, Bank mencatat rugi tahun berjalan setelah membukukan into opportunities for transformation. In 2025, the Bank
laba pada tahun sebelumnya; namun, hal ini justru menjadi recorded a loss for the year after posting a profit in the
momentum bagi Bank untuk mempertajam strategi dan previous year; however, this serves as a momentum for the
inovasi. Direksi yakin bahwa langkah-langkah proaktif ini Bank to sharpen its strategy and innovation. The Board of
akan mendorong pertumbuhan berkelanjutan, sekaligus Directors believes that these proactive measures will drive
memperkuat posisi kompetitif Bank di industri perbankan sustainable growth while strengthening the Bank’s competitive
Indonesia. position in Indonesia’s banking industry.
Kebijakan untuk Merespons Tantangan Policy for Addressing Challenges in
dalam Pemenuhan Strategi Keberlanjutan Achieving Sustainability Strategy
Bank terus memperkuat strategi keberlanjutannya melalui The Bank continues to strengthen its sustainability strategy
penerapan model bisnis yang berfokus pada keberlanjutan through the implementation of a business model focused
jangka panjang. Untuk mewujudkan visi tersebut, Bank on long-term sustainability. To realize this vision, the Bank
secara proaktif menjalankan transformasi dan akselerasi, proactively undertakes transformation and acceleration
terutama di lingkungan internal. Langkah ini direalisasikan initiatives, particularly within its internal environment.
melalui penyusunan kebijakan strategis serta berbagai inisiatif These efforts are implemented through the formulation
nyata yang mengintegrasikan nilai-nilai keberlanjutan ke of strategic policies and various concrete initiatives that
dalam beragam aspek, mulai dari program edukasi, inovasi integrate sustainability values into multiple aspects, ranging
produk dan layanan, tanggung jawab sosial, hingga kolaborasi from education programs, product and service innovation,
dengan mitra usaha. Melalui pendekatan yang holistik ini, Bank social responsibility, to collaboration with business partners.
optimistis seluruh pemangku kepentingan dapat memahami Through this holistic approach, the Bank is optimistic that
dan menerapkan prinsip keberlanjutan secara konsisten dalam all stakeholders will be able to understand and consistently
setiap aktivitas bisnis. Penanaman nilai tersebut dilakukan apply sustainability principles in every business activity. The
melalui berbagai program formal maupun nonformal, seperti internalization of these values is carried out through various
pembekalan budaya bagi karyawan baru, morning briefing, formal and informal programs, such as cultural onboarding
optimalisasi mekanisme whistleblowing, kampanye perilaku for new employees, morning briefings, optimization of
hijau, serta rangkaian program peningkatan kapasitas SDM whistleblowing mechanisms, green behavior campaigns,
yang berkelanjutan. as well as a series of continuous human capital capacity-
building programs.
Dalam menghadapi tantangan pemenuhan strategi In addressing the challenges of fulfilling its sustainability
keberlanjutan, Bank memperkuat ketahanan bisnis di tengah strategy, the Bank is strengthening business resilience amid
meningkatnya risiko perubahan iklim. Bank memandang increasing climate change risks. The Bank views climate
perubahan iklim sebagai faktor material yang berpotensi change as a material factor that may affect its financial and
memengaruhi kinerja keuangan dan operasional Bank, baik operational performance, both through physical risks and
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melalui risiko fisik maupun risiko transisi. Untuk itu, Bank transition risks. Therefore, the Bank consistently enhances
secara konsisten memperkuat pengelolaan risiko iklim climate risk management through the development of an
melalui pengembangan kerangka manajemen risiko yang integrated and comprehensive risk management framework,
terintegrasi dan komprehensif, sebagai bagian dari upaya as part of its efforts to maintain business stability and
menjaga stabilitas dan keberlanjutan usaha. sustainability.
Sejalan dengan ketentuan regulator terkait keuangan In line with regulatory provisions related to sustainable
berkelanjutan di Indonesia, Bank mengembangkan Climate finance in Indonesia, the Bank has developed Climate Risk
Risk Management & Scenario Analysis (CRMS) sebagai Management & Scenario Analysis (CRMS) as a key instrument
instrumen utama untuk mengidentifikasi, mengukur, dan to identify, measure, and evaluate the potential impacts of
mengevaluasi potensi dampak risiko perubahan iklim terhadap climate change risks on the Bank’s portfolio and business
portofolio dan aktivitas bisnis Bank. Di samping itu, Bank activities. In addition, the Bank continues to refine the process
terus menyempurnakan proses pengklasifikasian debitur of classifying debtors based on the Indonesia Sustainable
berdasarkan Taksonomi Keuangan Berkelanjutan Indonesia Finance Taxonomy, particularly for debtors whose business
(TKBI), khususnya bagi debitur yang kegiatan usahanya telah activities have been mapped under the TKBI, in order to
terpetakan dalam TKBI, guna memperkuat pengelolaan strengthen risk management and support more sustainability-
risiko serta mendukung pengambilan keputusan yang lebih oriented decision-making.
berorientasi pada keberlanjutan.
Dalam implementasinya, Bank juga mengintegrasikan prinsip In its implementation, the Bank also integrates Environmental,
Environmental, Social, and Governance (ESG) ke dalam Social, and Governance (ESG) principles into its risk
kerangka manajemen risiko sebagai bagian dari strategi management framework as part of its strategy to manage
untuk mengelola dampak perubahan iklim terhadap kinerja the impacts of climate change on performance and business
dan keberlanjutan bisnis. Integrasi ini mencakup pengenalan sustainability. This integration includes incorporating both
risiko fisik dan transisi ke dalam proses penilaian risiko melalui physical and transition risks into the risk assessment process
pengembangan CRMS, sehingga Bank dapat menilai secara through the development of CRMS, enabling the Bank to
lebih komprehensif potensi risiko pada portofolio pembiayaan assess potential risks within its financing portfolio and
dan aktivitas operasional. Selain itu, penerapan mekanisme operational activities more comprehensively. Furthermore, the
screening debitur berbasis TKBI turut mendukung klasifikasi implementation of TKBI-based debtor screening mechanisms
kegiatan usaha debitur dan memperkuat kualitas keputusan supports the classification of debtors’ business activities
pembiayaan. and enhances the quality of financing decisions.
Dari sisi tata kelola, Bank secara konsisten melakukan From a governance perspective, the Bank consistently
penguatan kebijakan, prosedur, dan pedoman internal agar strengthens its internal policies, procedures, and guidelines
selaras dengan prinsip ESG serta ketentuan regulator yang to align with ESG principles as well as applicable regulatory
berlaku. Upaya ini dilengkapi dengan peningkatan kapabilitas requirements. These efforts are complemented by enhancing
internal melalui pelatihan dan sosialisasi terkait keuangan internal capabilities through training and socialization
berkelanjutan bagi seluruh insan Bank. Melalui langkah- programs on sustainable finance for all Bank personnel.
langkah tersebut, Bank berkomitmen memastikan bahwa Through these initiatives, the Bank is committed to ensuring
integrasi ESG dalam manajemen risiko dapat berjalan secara that the integration of ESG into risk management is effectively
efektif, sehingga mampu memitigasi dampak perubahan iklim implemented, thereby mitigating the impacts of climate
sekaligus menjaga keberlanjutan usaha dalam jangka panjang. change while safeguarding long-term business sustainability.
Penerapan Keuangan Berkelanjutan Implementation of Sustainable Finance
Bank mengidentifikasi sejumlah tantangan dalam implementasi The Bank identifies several challenges in implementing
keuangan berkelanjutan antara lain pemahaman yang belum sustainable finance, including varying levels of internal
merata di internal, keterbatasan kesadaran debitur terhadap understanding, limited debtor awareness of sustainability
prinsip keberlanjutan, kebutuhan penguatan digitalisasi dalam principles, the need to strengthen digitalization in data
pengelolaan data, serta dinamika perkembangan standar management, and the evolving dynamics of standards and
dan regulasi. Tantangan tersebut menjadi perhatian utama regulations. These challenges are a primary concern for the
bagi Bank dalam memastikan bahwa penerapan keuangan Bank in ensuring that the implementation of sustainable
berkelanjutan dapat dilakukan secara bertahap, konsisten, finance is carried out gradually, consistently, and in alignment
dan selaras dengan kapasitas serta kebutuhan organisasi. with the organization’s capacity and needs.
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Penjelasan Direksi
Message from the Board of Directors
Untuk merespons hal tersebut, Bank secara berkelanjutan To address these challenges, the Bank continuously enhances
meningkatkan kapasitas sumber daya manusia melalui human capital capacity through training and socialization
pelatihan dan sosialisasi, baik internal maupun eksternal. programs, both internally and externally. The Bank also
Bank juga mendorong peningkatan pemahaman debitur promotes greater awareness among debtors regarding
terkait pentingnya penerapan prinsip keberlanjutan dalam the importance of applying sustainability principles in their
kegiatan usaha. Selain itu, pengembangan kertas kerja business activities. In addition, the development of working
dan sistem pendukung dilakukan secara bertahap guna papers and supporting systems is carried out progressively
meningkatkan kualitas dan integrasi data, disertai dengan to improve data quality and integration, accompanied by
penyesuaian kebijakan dan prosedur internal agar tetap adjustments to internal policies and procedures to remain
sejalan dengan ketentuan regulator serta perkembangan aligned with regulatory requirements and evolving standards.
standar yang berlaku.
Sepanjang tahun 2025, Bank menunjukkan perkembangan Throughout 2025, the Bank demonstrated progress in
dalam pelaksanaan keuangan berkelanjutan sebagai bagian implementing sustainable finance as part of its commitment
dari komitmen terhadap prinsip keberlanjutan. Integrasi prinsip to sustainability principles. The integration of these principles
tersebut ke dalam aktivitas operasional dilakukan secara into operational activities has been carried out gradually
bertahap dengan melibatkan sinergi antara manajemen dan through synergy between management and employees,
karyawan sehingga mampu mendukung keberlangsungan thereby supporting business continuity while delivering
usaha sekaligus memberikan nilai tambah bagi pemangku added value to stakeholders. The Bank recognizes that
kepentingan. Bank memandang bahwa pencapaian aspek the achievement of economic, social, environmental, and
ekonomi, sosial, lingkungan dan tata kelola perusahaan corporate governance aspects is interconnected and must
merupakan satu kesatuan yang saling terkait dan perlu dikelola be managed in a balanced manner.
secara seimbang.
Pada aspek ekonomi, sepanjang 2025, Bank mengalami fase In the economic aspect, throughout 2025 the Bank underwent
konsolidasi di tengah tekanan industri perbankan. Tekanan a consolidation phase amid industry pressures, including
tersebut akibat biaya dana tinggi, kompetisi likuiditas, dan high funding costs, liquidity competition, and narrowing net
penyempitan margin bunga bersih yang memengaruhi interest margins, which affected profitability compared to
profitabilitas dibandingkan tahun sebelumnya. Meskipun the previous year. The Bank recorded a net loss of IDR567.52
demikian, Bank tetap fokus menjaga stabilitas serta billion, compared to a net profit of IDR152.47 billion in 2024,
mendorong pertumbuhan melalui penguatan fundamental mainly influenced by prudent and conservative measures
usaha dan ketahanan permodalan. Bank membukukan rugi through additional provisioning of Allowance for Impairment
bersih Rp567,52 miliar dibandingkan laba bersih Rp152,47 Losses, particularly on foreclosed assets, as part of a forward-
miliar pada tahun 2024. Direksi menegaskan bahwa kerugian looking strategy to strengthen and anticipate potential risks.
tersebut bukan berasal dari opeasional inti Bank, melainkan Core interest income increased to IDR1.70 trillion from IDR1.64
terutama dipengaruhi oleh langkah konservatif dan prudent trillion; however, interest expenses rose from IDR735.99 billion
melalui pembentukan tambahan Cadangan Kerugian to IDR966.40 billion, resulting in a decline in net interest
Penurunan Nilai (CKPN), khususnya atas Agunan yang Diambil income to IDR733.37 billion from IDR910.06 billion, while Net
Alih (AYDA). Kebijakan ini merupakan langkah forward-looking Interest Margin (NIM) decreased from 4.07% to 2.78%. In
untuk memperkuat dan mengantisipasi potensi risiko di masa line with this, the Bank has also channeled funds under the
mendatang. Pendapatan bunga inti tumbuh menjadi Rp1,70 Sustainable Business Activities Category amounting to IDR2.14
triliun dari Rp1,64 triliun, tetapi beban bunga naik dari Rp735,99 trillion, including financing for MSMEs and investments in
miliar ke Rp966,40 miliar sehingga pendapatan bunga bersih government and corporate securities. In line with this, the Bank
turun ke Rp733,37 miliar dari Rp910,06 miliar. Tekanan biaya has channeled and allocated funds under the Sustainable
dana tersebut berdampak pada penurunan Net Interest Business Activities Category amounting to IDR2.14 trillion,
Margin (NIM) dari 4,07% menjadi 2,78%, yang mencerminkan which includes financing for MSMEs as well as investments
tantangan dalam menjaga profitabilitas. Sejalan dengan in government and corporate securities.
itu, Bank telah menyalurkan dan menempatkan dana pada
Kategori Kegiatan Usaha Berkelanjutan (KUBL) sebesar Rp2,14
triliun, yang mencakup pembiayaan kepada UMKM serta
investasi pada surat berharga pemerintah maupun korporasi.
Dari sisi lingkungan, Bank melaksanakan berbagai inisiatif From an environmental perspective, the Bank implemented
untuk mengelola dampak operasional secara lebih efisien. various initiatives to manage its operational impact more
Upaya yang dilakukan antara lain pengendalian penggunaan efficiently. These efforts include controlling electricity
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energi listrik dan pendingin ruangan, pengurangan konsumsi usage and air conditioning, reducing paper consumption
kertas melalui digitalisasi proses, serta pengelolaan limbah through process digitalization, and managing waste
dengan penerapan klasifikasi tempat sampah. Komitmen through the implementation of waste classification. As
efisiensi antara lain Bank berhasil mengurangi penggunaan part of its efficiency commitment, the Bank successfully
listrik sebesar 8,11% dibanding tahun sebelumnya, dan reduced electricity consumption by 8.11% compared to the
otomatis mengurangi emisi gas rumah kaca tidak langsung previous year, thereby also reducing indirect greenhouse
(cakupan 2) dari konsumsi listrik. Selain itu, Bank turut gas emissions (Scope 2) from electricity usage. In addition,
berpartisipasi dalam kegiatan penanaman 3.098 pohon the Bank participated in planting 3,098 trees in areas
di wilayah sekitar kantor cabang sebagai bagian dari upaya surrounding its branch offices as part of efforts to enhance
peningkatan kepedulian terhadap lingkungan. environmental awareness.
Pada aspek sosial, Bank melaksanakan berbagai program On the social aspect, the Bank carried out various corporate
tanggung jawab sosial perusahaan melalui Corporate Social social responsibility programs through Corporate Social
Safety Responsibility (CSSR) untuk mendukung kesejahteraan Safety Responsibility (CSSR) initiatives to support community
masyarakat dengan total biaya sebesar Rp8,2 miliar. Kegiatan welfare, with a total expenditure of IDR8.2 billion. Activities
yang dilakukan sepanjang tahun 2025 antara lain Program conducted throughout 2025 included the Free Nutritious
Makan Bergizi Gratis dengan sasaran anak sekolah PAUD dan Meal Program targeting preschool and kindergarten students;
TK; Baksos Sembako Gratis ke Panti Jompo, Panti Asuhan, distribution of free basic necessities to nursing homes,
Vihara; Gerakan Wisata Bersih, termasuk pengelolaan dan orphanages, and temples; the Clean Tourism Movement,
pemilahan sampah; bantuan untuk korban bencana alam; including waste management and sorting; assistance for
donor darah; penyaluran hewan qurban, dan sebagainya. Selain natural disaster victims; blood donation drives; distribution of
itu, Bank terus mengupayakan perbaikan kualitas layanan sacrificial animals; and others. In addition, the Bank continues
melalui berbagai inovasi sesuai harapan nasabah. Upaya to improve service quality through various innovations in line
tersebut membuahkan hasil positif dengan peningkatan skor with customer expectations. These efforts yielded positive
kepuasan nasabah menjadi 86,85% pada tahun pelaporan. results, as reflected in the increase in customer satisfaction
scores to 86.85% during the reporting year.
Di sisi internal, pemenuhan aspek sosial dilakukan Bank Internally, the Bank fulfills the social aspect through, among
di antaranya dengan menyelenggarakan program others, the implementation of competency development
pengembangan kompetensi dan skema insentif berbasis programs and performance-based incentive schemes as
kinerja sebagai bagian dari upaya pengelolaan sumber daya part of its human capital management efforts. In addition, the
manusia. Selain itu, Bank konsisten mewujudkan lingkungan Bank consistently maintains a safe and conducive working
kerja yang aman dan nyaman dengan mempertahankan environment, as reflected in the achievement of zero fatalities
pencapaian tidak terdapat fatalitas/kematian dan penyakit and no work-related illnesses throughout 2025.
akibat kerja sepanjang tahun 2025.
Sementara itu, dari aspek tata kelola, Bank melakukan Meanwhile, from a governance perspective, the Bank has
penguatan penerapan prinsip keberlanjutan melalui strengthened the implementation of sustainability principles
penyempurnaan struktur, kebijakan, dan proses yang relevan. through enhancements in relevant structures, policies, and
Pembentukan unit kerja yang menangani implementasi processes. The establishment of a dedicated work unit to
keuangan berkelanjutan dilakukan untuk mendukung oversee the implementation of sustainable finance supports
koordinasi dan konsistensi pelaksanaan program. Selain itu, coordination and ensures consistent program execution.
Bank terus meningkatkan transparansi dalam penyampaian Furthermore, the Bank continues to improve transparency
informasi kepada nasabah dan pemangku kepentingan, serta in delivering information to customers and stakeholders,
melakukan penguatan mekanisme penanganan pengaduan. while also strengthening its complaint handling mechanisms.
Melalui berbagai upaya dan pencapaian di atas, Bank optimistis Through these efforts and achievements, the Bank remains
dapat terus memperkuat perannya sebagai institusi keuangan optimistic in further strengthening its role as a responsible
yang bertanggung jawab serta berkontribusi dalam mendorong financial institution and contributing to the advancement
terciptanya ekonomi yang inklusif dan berkelanjutan. of an inclusive and sustainable economy.
Selaras dengan itu, kesungguhan dan konsistensi Bank In line with this, the Bank’s strong commitment and consistency
menjalankan prinsip-prinsip keuangan berkelanjutan telah in implementing sustainable finance principles have been
mendapatkan apresiasi dari berbagai kalangan melalui recognized through various awards. Throughout 2025, among
pemberian penghargaan. Sepanjang tahun 2025, antara others, the Bank received the PRIMA Awards 2025 organized
26 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
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Penjelasan Direksi
Message from the Board of Directors
lain, Bank meraih PRIMA Awards 2025 yang diadakan Infobank by Infobank in Bali in October 2025, winning the Platinum
di Bali pada Oktober 2025, memenangkan kategori Platinum Awards – Best Acquiring Bank (All Features) and Best Acquiring
Awards – Best Acquiring Bank (All Features) dan Best Acquiring Digital Payment categories as recognition for outstanding
Digital Payment sebagai bagian dari apresiasi untuk kinerja digital transaction performance within the PRIMA Network
transaksi digital terbaik di Jaringan PRIMA periode Juli 2024– for the July 2024–June 2025 period. These awards reflect
Juni 2025. Penghargaan tersebut mencerminkan kontribusi the Bank’s contribution in supporting synergy and enhancing
Bank dalam mendukung sinergi dan peningkatan kualitas transaction quality within the PRIMA network.
transaksi di jaringan PRIMA.
Strategi Pencapaian Target Strategy for Achieving Targets
Bank menerapkan strategi dan langkah nyata untuk The Bank implements concrete strategies and measures
memastikan kebijakan serta operasional Bank selaras to ensure that its policies and operations are aligned
dengan regulasi ESG, khususnya dalam menghadapi with ESG regulations, particularly in addressing climate
tantangan perubahan iklim. Upaya tersebut dilakukan change challenges. These efforts are carried out through
melalui penyesuaian kebijakan, prosedur, dan pedoman adjustments to internal policies, procedures, and guidelines
internal agar sejalan dengan ketentuan regulator terkait to ensure alignment with regulatory requirements related
keuangan berkelanjutan, disertai dengan penguatan tata to sustainable finance, accompanied by strengthened
kelola untuk memastikan implementasi yang konsisten di governance to ensure consistent implementation across
seluruh lini organisasi. Pendekatan ini menjadi fondasi dalam all levels of the organization. This approach serves as a
menjaga kepatuhan sekaligus mendukung pencapaian foundation for maintaining compliance while supporting
target keberlanjutan Bank. the achievement of the Bank’s sustainability targets.
Selain itu, Bank mengintegrasikan aspek ESG ke dalam In addition, the Bank integrates ESG aspects into its
kerangka manajemen risiko dengan memasukkan risiko risk management framework by incorporating climate
perubahan iklim, baik risiko fisik maupun risiko transisi, ke change risks, both physical and transition risks, into its risk
dalam proses pengelolaan risiko. Pengembangan Climate management processes. The development of Climate Risk
Risk Management & Scenario Analysis (CRMS) dilakukan Management & Scenario Analysis (CRMS) is undertaken
untuk mengidentifikasi dan mengukur potensi dampak to identify and measure the potential impacts of climate
perubahan iklim terhadap portofolio pembiayaan dan change on the Bank’s financing portfolio and operations.
operasional Bank. Di sisi lain, penerapan mekanisme Meanwhile, the implementation of debtor screening
screening debitur berbasis Taksonomi Keuangan mechanisms based on the Indonesia Sustainable Finance
Berkelanjutan Indonesia (TKBI) mendukung klasifikasi Taxonomy supports the classification of business activities
kegiatan usaha serta memperkuat kualitas pengambilan and enhances the quality of more sustainable financing
keputusan pembiayaan yang lebih berkelanjutan. decisions.
Sebagai langkah pendukung, Bank terus meningkatkan As a supporting measure, the Bank continues to strengthen
kapasitas internal melalui pelatihan dan sosialisasi ESG, internal capacity through ESG training and socialization,
serta melakukan pengembangan sistem dan proses bisnis while progressively developing systems and business
secara bertahap guna mendukung pengelolaan data dan processes to support data management and sustainability
pelaporan keberlanjutan. Upaya ini diharapkan dapat reporting. These efforts are expected to enhance the
memperkuat kesiapan organisasi dalam mengelola risiko organization’s readiness in managing risks and improve
serta meningkatkan efektivitas implementasi strategi the overall effectiveness of sustainability strategy
keberlanjutan secara menyeluruh. implementation.
Dalam menjalankan aktivitas usahanya, Bank juga menyadari In carrying out its business activities, the Bank also recognizes
adanya berbagai risiko yang berpotensi memengaruhi various risks that may affect the achievement of targets and
pencapaian target dan kinerja sebagaimana ditetapkan performance as set out in the Bank’s Business Plan. Therefore,
dalam Rencana Bisnis Bank (RBB). Oleh karena itu, Bank the Bank implements an integrated and comprehensive risk
menerapkan sistem manajemen risiko yang terintegrasi dan management system that includes the processes of risk
komprehensif yang mencakup proses identifikasi, pengukuran, identification, measurement, monitoring, and control. This
pemantauan, dan pengendalian risiko. Pengelolaan risiko ini risk management covers eight key risk types, namely Credit
mencakup delapan jenis risiko utama, yaitu Risiko Kredit, Risk, Operational Risk, Market Risk, Liquidity Risk, Legal Risk,
Risiko Operasional, Risiko Pasar, Risiko Likuiditas, Risiko Hukum, Reputational Risk, Strategic Risk, and Compliance Risk. In
Risiko Reputasi, Risiko Stratejik, dan Risiko Kepatuhan. Selain addition, the Bank is gradually piloting the measurement of
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 27
Page 28
itu, Bank secara bertahap melakukan piloting pengukuran climate-related risks, including physical risks such as floods,
dampak risiko perubahan iklim, baik risiko fisik seperti banjir, fires, and rising temperatures, as well as transition risks arising
kebakaran, dan kenaikan suhu, maupun risiko transisi yang from changes in policies, technology, and market preferences.
timbul akibat perubahan kebijakan, teknologi, dan preferensi Through mitigation measures such as the implementation of
pasar. Melalui langkah mitigasi seperti implementasi CRMS, CRMS, diversification of the financing portfolio, enhancement
diversifikasi portofolio pembiayaan, peningkatan literasi of sustainability literacy, and strengthened transparency in
keberlanjutan, serta penguatan transparansi pelaporan, Bank reporting, the Bank strives to maintain operational resilience
berupaya menjaga ketahanan operasional dan memastikan and ensure long-term performance sustainability.
keberlanjutan kinerja dalam jangka panjang.
Prospek dan Peluang Prospects and Opportunities
Dalam menghadapi proyeksi perekonomian global tahun In navigating the global economic outlook for 2026, which
2026 yang diwarnai ketidakpastian antara lain akibat eskalasi is marked by uncertainty, including escalating geopolitical
konflik geopolitik antara Iran, Amerika Serikat, dan Israel, Bank tensions involving Iran, the United States, and Israel, the
memandang bahwa dinamika tersebut berpotensi menekan Bank recognizes that such dynamics may put pressure on
stabilitas ekonomi global maupun domestik, terutama melalui both global and domestic economic stability, particularly
jalur energi. Potensi gangguan distribusi minyak dunia dapat through the energy channel. Potential disruptions in global oil
memicu kenaikan harga bahan bakar, meningkatkan inflasi, distribution may lead to rising fuel prices, increased inflation,
serta menekan daya beli masyarakat dan kinerja sektor riil. and weakened purchasing power, as well as pressures on
Kondisi ini sekaligus menghadirkan tantangan berupa kenaikan the real sector. These conditions also present challenges,
harga energi yang berpotensi menurunkan kemampuan including rising energy costs that may affect debtors’
bayar debitur, tekanan inflasi dan suku bunga, ketidakpastian repayment capacity, inflationary and interest rate pressures,
pasokan energi, serta volatilitas nilai tukar dan pasar keuangan. uncertainty in energy supply, and volatility in exchange rates
Dalam konteks tersebut, Bank memproyeksikan prospek and financial markets. In this context, the Bank projects its
usaha dengan tetap berfokus pada penguatan kualitas aset business outlook by maintaining a focus on strengthening
dan stabilitas portofolio pembiayaan, serta menjaga likuiditas asset quality and the stability of its financing portfolio, while
dan permodalan agar tetap solid. preserving solid liquidity and capital adequacy.
Di tengah tekanan tersebut, Bank juga melihat adanya peluang Amid these pressures, the Bank also identifies strategic
strategis yang dapat dioptimalkan seiring meningkatnya opportunities that can be leveraged alongside the growing
kebutuhan akan efisiensi energi dan transisi menuju ekonomi need for energy efficiency and the transition toward a
berkelanjutan. Kenaikan harga energi mendorong permintaan sustainable economy. Rising energy prices are driving
pembiayaan pada sektor energi alternatif dan terbarukan, demand for financing in alternative and renewable energy
serta sektor-sektor yang lebih efisien dalam penggunaan sectors, as well as in sectors that are more energy-efficient.
energi. Selain itu, diversifikasi portofolio ke sektor yang lebih In addition, diversifying the portfolio toward sectors that are
resilien terhadap gejolak global menjadi langkah penting untuk more resilient to global volatility is a key step in maintaining
menjaga kinerja dan mengurangi eksposur risiko. Dengan performance and reducing risk exposure. By capitalizing on
memanfaatkan momentum ini, Bank berpeluang memperkuat this momentum, the Bank has the opportunity to strengthen its
peran dalam mendukung ketahanan energi nasional sekaligus role in supporting national energy resilience while enhancing
meningkatkan daya saing bisnis. its business competitiveness.
Untuk mengoptimalkan prospek dan peluang tersebut, Bank To optimize these prospects and opportunities, the Bank
menerapkan langkah strategis melalui penguatan manajemen implements strategic measures through strengthening
risiko yang komprehensif dan pelaksanaan stress testing guna comprehensive risk management and conducting stress
mengantisipasi berbagai skenario ekonomi. Di samping itu, testing to anticipate various economic scenarios. In addition,
Bank menjaga kecukupan likuiditas dan permodalan serta the Bank maintains adequate liquidity and capital levels, while
secara selektif mendorong pembiayaan pada sektor-sektor selectively promoting financing in sectors that contribute to
yang berkontribusi terhadap ketahanan energi nasional. Melalui national energy resilience. Through an adaptive and measured
pendekatan yang adaptif dan terukur, Bank optimistis mampu approach, the Bank remains optimistic in maintaining business
menjaga ketahanan bisnis sekaligus memanfaatkan peluang resilience while capturing growth opportunities amid global
pertumbuhan di tengah dinamika dan ketidakpastian global. dynamics and uncertainties.
28 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Message from the Board of Directors
Appreciation
Kami menyadari bahwa pencapaian kinerja BAGI sepanjang We recognize that BAGI’s performance achievements
tahun 2025 belum sepenuhnya sesuai dengan harapan throughout 2025 have not fully met the expectations and
dan target yang telah ditetapkan dalam Rencana Bisnis targets set out in the Bank’s Business Plan. Nevertheless,
Bank. Namun demikian, Direksi memandang bahwa berbagai the Board of Directors believes that the accomplishments
capaian yang diraih tetap mencerminkan upaya nyata dalam
menjaga stabilitas dan ketahanan usaha di tengah dinamika and resilience amid challenging external dynamics. On this
eksternal yang menantang. Dalam kesempatan ini, Direksi occasion, the Board of Directors would like to express its
menyampaikan apresiasi dan terima kasih kepada Dewan appreciation and gratitude to the Board of Commissioners
Komisaris atas arahan dan pengawasan yang konstruktif, for their constructive guidance and supervision, to the
kepada para pemegang saham atas kepercayaan yang shareholders for their continued trust, and to the regulators
terus diberikan, serta kepada regulator atas dukungan dan for their ongoing support and guidance. The Board of Directors
bimbingan yang berkelanjutan. Direksi juga menyampaikan also extends its highest appreciation to all employees for
penghargaan yang setinggi-tingginya kepada seluruh their dedication, professionalism, and hard work. Our sincere
karyawan atas dedikasi, profesionalisme, dan kerja keras thanks are also conveyed to all customers, business partners,
yang telah diberikan. Ucapan terima kasih turut disampaikan and the community for their trust and strong cooperation.
kepada seluruh nasabah, mitra kerja, dan masyarakat atas
kepercayaan dan kerja sama yang telah terjalin dengan baik.
Ke depan, Bank akan terus memperkuat strategi bisnis Going forward, the Bank will continue to strengthen its
secara adaptif dan terukur dengan berlandaskan prinsip business strategy in an adaptive and measured manner,
kehati-hatian dan keberlanjutan. Direksi optimistis bahwa grounded in prudence and sustainability principles. The Board
melalui penguatan tata kelola, peningkatan kapabilitas of Directors remains optimistic that through strengthened
internal, serta fokus pada sektor-sektor yang resilien dan governance, enhanced internal capabilities, and a focus on
berpotensi tumbuh, Bank dapat memperbaiki kinerja secara resilient and high-growth sectors, the Bank will be able to
berkelanjutan dan menciptakan nilai tambah bagi seluruh improve its performance sustainably and create added value
pemangku kepentingan. Dukungan dan sinergi dari seluruh for all stakeholders. The continued support and synergy of
pihak akan terus menjadi faktor kunci dalam mendorong Bank all parties will remain key factors in driving the Bank toward
menuju pertumbuhan yang lebih kuat dan berkelanjutan. stronger and more sustainable growth.
Jakarta, 30 Maret 2026
Jakarta, March 30, 2026
Atas Nama Dewan Direksi
On behalf of the Board of Directors
PT Bank Artha Graha Internasional Tbk
Andy Kasih
Direktur Utama
President Director
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 29
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Tentang Laporan Keberlanjutan About Sustainability Report
Page 31
04
Page 32
Tentang Laporan Keberlanjutan
About The Sustainability Report
Penyusunan dan penerbitan Laporan Keberlanjutan The preparation and publication of this Sustainability
ini merupakan bentuk kepatuhan PT Bank Artha Report represent PT Bank Artha Graha Internasional
Graha Internasional Tbk terhadap Peraturan Otoritas Tbk’s compliance with Financial Services Authority
Jasa Keuangan (POJK) No. 51/POJK.03/2017 tentang Regulation (POJK) No. 51/POJK.03/2017 concerning the
Penerapan Keuangan Berkelanjutan bagi Lembaga Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik (POJK Services Institutions, Issuers, and Public Companies
Keuangan Berkelanjutan). Laporan ini hadir sebagai (Sustainable Finance POJK). This report serves as a
instrumen vital dalam implementasi keuangan vital instrument in the implementation of sustainable
berkelanjutan di lingkungan Bank, sekaligus berfungsi finance within the Bank, while also functioning as a
sebagai sarana pertanggungjawaban publik. means of public accountability.
Laporan ini disusun berdasarkan panduan komprehensif This report is prepared based on comprehensive
yang mencakup POJK Keuangan Berkelanjutan, guidelines, including the Sustainable Finance POJK,
SEOJK No. 16/2021 tentang Bentuk dan Isi Laporan SEOJK No. 16/2021 concerning the Form and Content
Tahunan Emiten, GRI Universal Standards Tahun 2021, of Annual Reports for Issuers, the 2021 GRI Universal
serta matriks pengungkapan Environmental, Social, Standards, as well as the Environmental, Social, and
and Governance (ESG) berdasarkan Sustainability Governance (ESG) disclosure matrix based on the
Accounting Standard Commercial Banks (SASB), dan Sustainability Accounting Standard for Commercial
Sustainable Banking Assessment (SUSBA). Pemenuhan Banks (SASB) and the Sustainable Banking Assessment
konten laporan terhadap panduan diberi penanda (SUSBA). The fulfillment of report content in accordance
angka/nama pengungkapan di belakang kalimat atau with these guidelines is indicated by disclosure
alinea yang relevan sebagaimana disampaikan di numbers/names at the end of relevant sentences or
bagian belakang laporan ini. [GRI 2-3] paragraphs, as presented in the final section of this
report. [GRI 2-3]
32 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Tentang Laporan Keberlanjutan
About Sustainability Report
Prinsip Pelaporan Reporting Principles
Laporan ini disusun berdasarkan delapan prinsip utama This report is based on the eight core principles
yang ditetapkan dalam GRI 1: Landasan 2021, yaitu: established in GRI 1: Foundation 2021, namely:
1. Akurasi - memastikan keandalan data yang 1. Accuracy - ensuring the reliability of the data
disampaikan, presented,
2. Keseimbangan - menyajikan informasi secara objektif, 2. Balance - presenting information objectively,
3. Kejelasan - menggunakan bahasa yang mudah 3. Clarity - using language that is easy to understand,
dipahami,
4. Keterbandingan - memungkinkan analisis kinerja lintas 4. Comparability - enabling performance analysis across
periode, periods,
5. Kelengkapan - mencakup informasi yang material bagi 5. Completeness - covering information that is material
pemangku kepentingan, to stakeholders,
6. Konteks Keberlanjutan - mempertimbangkan dampak 6. Sustainability Context - considering long-term impacts
jangka panjang terhadap aspek ekonomi, sosial, dan on economic, social, and environmental aspects,
lingkungan,
7. Ketepatan Waktu - disampaikan sesuai jadwal 7. Timeliness - reported in accordance with the reporting
pelaporan, schedule,
8. Keterverifikasian - memastikan data dapat diverifikasi 8. Verifiability - ensuring data can be verified by an
oleh pihak independen. independent party.
Cakupan dan Batasan Laporan Scope and Reporting Boundaries
Laporan ini menyajikan ulasan mengenai strategi, This report presents a review of strategies, policies,
kebijakan, rencana kerja, serta capaian kinerja pada work plans, and performance achievements across
aspek ekonomi, sosial, dan lingkungan. Cakupan laporan economic, social, and environmental aspects. The
meliputi Kantor Pusat dan seluruh jaringan kantor scope of the report covers the Head Office and
cabang PT Bank Artha Graha Internasional Tbk dengan all branch office networks of PT Bank Artha Graha
periode pelaporan 1 Januari hingga 31 Desember 2025. Internasional Tbk, with a reporting period from January
[GRI 2-2] 1 to December 31, 2025. [GRI 2-2]
Siklus, Periode Pelaporan dan Pernyataan Reporting Cycle, Reporting Period, and
Penggunaan Statement of Use
Laporan Keberlanjutan diterbitkan setiap tahun dengan The Sustainability Report is published annually,
publikasi pertama pada tahun 2020. Laporan tahun with the first edition released in 2020. The 2025
buku 2025 ini merupakan laporan keenam, menyusul report represents the sixth report, following the
Laporan Keberlanjutan 2024 yang diterbitkan pada 2024 Sustainability Report published on March 26,
26 Maret 2025. Bank telah melaporkan informasi yang 2025. The Bank has reported the information cited
dikutip pada indeks konten GRI untuk periode dari in the GRI content index for the period from January
1 Januari sampai 31 Desember 2025 sesuai dengan 1 to December 31, 2025, in accordance with the GRI
Standar GRI. [GRI 2-3] Standards. [GRI 2-3]
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Perubahan dalam Laporan Keberlanjutan Changes Related to the Report
2025
Pada Laporan Keberlanjutan tahun 2025 ini, tidak In this 2025 Sustainability Report, there are no significant
terdapat perubahan signifikan terkait topik material changes regarding material topics compared to the
dibandingkan dengan laporan tahun sebelumnya. previous year’s report. The determination of material
Penentuan topik material tetap merujuk pada proses topics continues to follow the materiality process in
materialitas yang sesuai dengan GRI Universal accordance with the GRI Universal Standards 2021.
Standards 2021. [GRI 3-2] [GRI 3-2]
Tabel Topik Material Tahun 2025
Table of Material Topics for 2025
Topik Material Pengelolaan Topik Material Nomor Pengungkapan
Material Topic Management of Material Topics Disclosure Number
Topik Ekonomi
Economic Topics
Kinerja Ekonomi Bank mengelola kinerja ekonomi dengan 201-1 Nilai ekonomi langsung yang dihasilkan dan
menerapkan strategi pertumbuhan yang didistribusikan
berkelanjutan, memperkuat ketahanan Direct economic value generated and
keuangan, serta mengoptimalkan efisiensi distributed
operasional untuk memberikan nilai jangka
panjang bagi pemegang saham dan pemangku 201-2 Implikasi finansial, risiko dan peluang lain akibat
kepentingan lainnya. dari perubahan iklim
Financial implications, risks and other
Economic Performance The Bank manages its economic performance opportunities due to climate change
by implementing sustainable growth strategies, 201-3 Kewajiban program pensiun manfaat pasti dan
strengthening financial resilience, and optimizing program pensiun lainnya
operational efficiency to deliver long-term Defined benefit plan obligations and other
value for shareholders and other stakeholders. retirement plans
201-4 Bantuan finansial yang diterima dari pemerintah
Financial assistance received from the
government
Keberadaan Pasar Bank berkomitmen untuk meningkatkan 202-1 Rasio standar upah karyawan entry-level
akses layanan perbankan di berbagai wilayah berdasarkan jenis kelamin terhadap upah
dengan memperluas jaringan operasional, minimum regional
mengembangkan produk keuangan yang Ratios of standard entry level wage by gender
sesuai dengan kebutuhan masyarakat, serta compared to local minimum wage
berkontribusi pada inklusi keuangan di Indonesia.
202-2 Proporsi manajemen senior yang berasal dari
Market Presence The Bank is committed to enhancing access masyarakat lokal
to banking services across various regions by Proportion of senior management hired from
expanding its operational network, developing the local community
financial products that meet community
needs, and contributing to financial inclusion
in Indonesia.
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Tentang Laporan Keberlanjutan
About Sustainability Report
Tabel Topik Material Tahun 2025
Table of Material Topics for 2025
Topik Material Pengelolaan Topik Material Nomor Pengungkapan
Material Topic Management of Material Topics Disclosure Number
Praktik Pengadaan Pengelolaan praktik pengadaan dilakukan melalui 204-1 Proporsi pengeluaran untuk pemasok lokal
kebijakan transparan dan bertanggung jawab, Proportion of spending on local suppliers
dengan memastikan seleksi pemasok yang adil,
kepatuhan terhadap standar keberlanjutan,
serta penerapan prinsip tata kelola yang baik
dalam rantai pasokan.
Procurement Practices The management of procurement practices is
carried out through transparent and responsible
policies, ensuring fair supplier selection,
compliance with sustainability standards, and
the application of good governance principles
within the supply chain.
Antikorupsi Bank menegakkan kebijakan antikorupsi melalui 205-1 Operasi-operasi yang dinilai memiliki risiko
penerapan kode etik, sistem pengawasan terkait korupsi
internal yang ketat, serta program pelatihan Operations assessed for risks related to
bagi karyawan guna meningkatkan kesadaran corruption
dan kepatuhan terhadap regulasi antikorupsi
205-2 Komunikasi dan pelatihan tentang kebijakan
Anti-Corruption The Bank enforces its anti-corruption policy dan prosedur antikorupsi
through the implementation of a code of Communication and training about anti-
conduct, robust internal control systems, corruption policies and procedures
and employee training programs to enhance 205-3 Insiden korupsi yang terbukti dan tindakan
awareness and compliance with anti-corruption yang diambil
regulations. Confirmed incidents of corruption and actions
taken
Topik Lingkungan
Environmental Topics
Energi Dalam upaya efisiensi energi, Bank menerapkan 302-1 Konsumsi energi dalam organisasi
langkah-langkah konservasi di seluruh Energy consumption within the organization
operasionalnya, termasuk penggunaan teknologi
hemat energi, optimalisasi sistem kelistrikan,
serta pemantauan konsumsi energi guna
mengurangi dampak lingkungan. 302-2 Konsumsi energi di luar organisasi
Energy consumption outside the organization
Energy In its efforts to achieve energy efficiency, the 302-3 Intensitas energi
Bank implements conservation measures Energy intensity
across its operations, including the use of
energy-efficient technologies, optimization 302-4 Pengurangan konsumsi energi
of electrical systems, and monitoring of energy Reduction of energy consumption
consumption to reduce environmental impact.
302-5 Pengurangan pada energi yang dibutuhkan
untuk produk dan jasa.
Reductions in energy requirements of products
and services
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Tabel Topik Material Tahun 2025
Table of Material Topics for 2025
Topik Material Pengelolaan Topik Material Nomor Pengungkapan
Material Topic Management of Material Topics Disclosure Number
Topik Sosial
Social Topics
Kepegawaian Bank berkomitmen untuk menciptakan 401-1 Perekrutan karyawan baru dan pergantian
lingkungan kerja yang kondusif dengan karyawan
mengedepankan kesejahteraan karyawan, New employee hires and employee turnover
kebijakan ketenagakerjaan yang adil, serta
peluang pengembangan karir bagi seluruh 401-2 Tunjangan yang diberikan kepada karyawan
tenaga kerja. purnawaktu yang tidak diberikan kepada
karyawan sementara
Employment The Bank is committed to creating a conducive atau paruh waktu
working environment by prioritizing employee Benefits provided to full-time employees that
welfare, fair labor policies, and career are not provided to temporary or part-time
development opportunities for all employees. employees
401-3 Cuti melahirkan
Maternity leave
Kesehatan dan Keselamatan Bank memastikan penerapan standar 403-1 Sistem manajemen keselamatan dan kesehatan
Kerja kesehatan dan keselamatan kerja yang ketat, kerja
dengan menyediakan fasilitas kerja yang aman, Occupational health and safety management
menerapkan protokol keselamatan, serta system
mengadakan pelatihan berkala bagi karyawan
guna memitigasi risiko kecelakaan kerja. 403-2 Identifikasi bahaya, penilaian risiko, dan
investigasi insiden
Occupational Health and The Bank ensures the implementation of Hazard identification, risk assessment, and
Safety stringent occupational health and safety incident investigation
standards by providing a safe working 403-3 Layanan kesehatan kerja
environment, enforcing safety protocols, and Occupational health services
conducting regular training for employees to
mitigate the risk of workplace accidents. 403-4 Partisipasi, konsultasi, dan komunikasi pekerja
tentang keselamatan dan kesehatan kerja
Worker participation, consultation, and
communication on occupational health and
safety
403-5 Pelatihan bagi pekerja mengenai keselamatan
dan kesehatan kerja
Worker training on occupational health and
safety
403-6 Peningkatan kualitas kesehatan pekerja
Promotion of worker health
403-7 Pencegahan dan mitigasi dampak dari
keselamatan dan kesehatan kerja yang secara
langsung terkait hubungan bisnis
Prevention and mitigation of occupational
health and safety impacts directly linked to
business relationships
403-8 Pekerja yang tercakup dalam sistem manajemen
keselamatan dan kesehatan kerja
Workers covered by an occupational health
and safety management system
403-9 Kecelakaan kerja
Work-related injuries
403-10 Penyakit akibat kerja
Work-related ill health
36 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 37
Tentang Laporan Keberlanjutan
About Sustainability Report
Tabel Topik Material Tahun 2025
Table of Material Topics for 2025
Topik Material Pengelolaan Topik Material Nomor Pengungkapan
Material Topic Management of Material Topics Disclosure Number
Pelatihan dan pendidikan Pengembangan kompetensi karyawan menjadi 404-1 Rata-rata jam pelatihan per tahun per karyawan
prioritas utama Bank melalui berbagai program Average hours of training per year per employee
pelatihan dan pendidikan yang disesuaikan
dengan kebutuhan bisnis serta perkembangan
industri keuangan.
404-2 Program untuk meningkatkan keterampilan
Training and Education Employee competency development is a key karyawan dan program bantuan peralihan
priority for the Bank, carried out through various Programs for upgrading employee skills and
training and education programs aligned with transition assistance programs
business needs and developments in the
financial industry. 404-3 Persentase karyawan yang menerima tinjauan
rutin terhadap kinerja dan pengembangan karir
Percentage of employees receiving regular
performance and career development reviews
Keanekaragaman dan Bank menjunjung tinggi prinsip keanekaragaman 405-1 Keanekaragaman badan tata kelola dan
Kesempatan Setara dan kesempatan setara dalam lingkungan kerja, karyawan
dengan memastikan kebijakan rekrutmen, Diversity of governance bodies and employees
promosi, serta pengembangan karir yang bebas
dari diskriminasi. 405-2 Rasio gaji pokok dan remunerasi perempuan
dibandingkan laki-laki
D i ve r s i t y a n d E q u a l The Bank upholds the principles of diversity Ratio of basic salary and remuneration of
Opportunity and equal opportunity in the workplace by women to men
ensuring that recruitment, promotion, and
career development policies are free from
discrimination.
Kebebasan Berserikat dan Bank menghormati hak karyawan untuk 407-1 Operasi dan pemasok dimana hak atas
Perundingan Kolektif berserikat dan berpartisipasi dalam perundingan kebebasan berserikat dan perundingan kolektif
kolektif sebagai bagian dari komitmen terhadap mungkin berisiko
kebebasan berpendapat dan hubungan Operations and suppliers in which the right
industrial yang harmonis. to freedom of association and collective
bargaining may be at risk
Freedom of Association and The Bank respects employees’ rights to form
Collective Bargaining associations and participate in collective
bargaining as part of its commitment to freedom
of expression and harmonious industrial
relations.
Masyarakat lokal Sebagai bagian dari tanggung jawab sosial, 413-1 Operasi dengan keterlibatan masyarakat lokal,
Bank berkontribusi terhadap pemberdayaan penilaian dampak, dan program pengembangan
masyarakat lokal melalui program-program Operations with local community engagement,
sosial dan ekonomi yang berkelanjutan guna impact assessments, and development
mendukung pertumbuhan dan kesejahteraan programs
komunitas sekitar.
413-2 Operasi yang secara aktual dan yang berpotensi
Local Communities As part of its social responsibility, the Bank memiliki dampak negatif signifikan terhadap
contributes to the empowerment of local masyarakat lokal
communities through sustainable social and Operations with significant actual and potential
economic programs to support the growth negative impacts on local communities
and well-being of surrounding communities.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 37
Page 38
Tabel Topik Material Tahun 2025
Table of Material Topics for 2025
Topik Material Pengelolaan Topik Material Nomor Pengungkapan
Material Topic Management of Material Topics Disclosure Number
Pemasaran dan Pelabelan Bank memastikan bahwa seluruh kegiatan 417-1 Persyaratan untuk pelabelan dan informasi
pemasaran dan pelabelan produk perbankan produk dan jasa
dilakukan secara transparan, akurat, dan sesuai Requirements for product and service
dengan regulasi yang berlaku untuk melindungi information and labeling
hak-hak konsumen.
417-2 Insiden ketidakpatuhan terkait informasi dan
Marketing and Labeling The Bank ensures that all marketing activities pelabelan produk dan jasa
and labeling of banking products are conducted Incidents of non-compliance concerning
in a transparent and accurate manner, and product and service information and labeling
in compliance with applicable regulations to 417-3 Insiden ketidakpatuhan terkait komunikasi
protect consumer rights. pemasaran
Incidents of non-compliance concerning
marketing communications
Privasi Pelanggan Keamanan dan privasi data pelanggan menjadi 418-1 Insiden ketidakpatuhan sehubungan dengan
prioritas utama Bank, dengan menerapkan dampak kesehatan dan keselamatan dari
sistem perlindungan data yang ketat serta produk dan jasa
kebijakan privasi yang sesuai dengan regulasi Incidents of non-compliance related to health
guna mencegah penyalahgunaan informasi and safety impacts of products and service
pelanggan.
Customer Privacy The security and privacy of customer data
are a top priority for the Bank, implemented
through robust data protection systems and
privacy policies in accordance with regulations
to prevent misuse of customer information.
Pernyataan Ulang Informasi Restatement of Information
Sesuai panduan pelaporan, apabila terdapat pernyataan In accordance with the reporting guidelines, when information
ulang informasi yang diberikan dalam laporan sebelumnya, provided in a previous report is restated, we include the
kami memberi penanda: *disajikan kembali. [GRI 2-4] following notation: *restated. [GRI 2-4]
Verifikasi oleh Pihak Independen Independent Verification
Laporan ini belum dilakukan assurance oleh pihak This report has not been subject to assurance by an
ketiga yang independen. Namun demikian, Bank independent third party. However, the Bank guarantees the
menjamin kebenaran seluruh pengungkapan informasi accuracy of all disclosures in this report. [GRI 2-5]
dalam laporan ini. [GRI 2-5]
38 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 39
Tentang Laporan Keberlanjutan
About Sustainability Report
Aksesibilitas dan Umpan Balik Accessibility and Feedback
Selain versi cetak, Bank menyediakan akses digital In addition to the printed version, the Bank provides
untuk mengunduh Laporan Keberlanjutan ini melalui digital access to download this Sustainability Report
situs resmi www.arthagraha.com. Kami menyadari through its official website at www.arthagraha.com.
bahwa kesempurnaan laporan di masa mendatang The Bank recognizes that the continuous improvement
sangat bergantung pada partisipasi publik. Oleh karena of future reports depends on public participation.
itu, Bank sangat terbuka dalam menerima setiap Therefore, the Bank welcomes any comments, creative
komentar, ide kreatif, maupun umpan balik konstruktif ideas, and constructive feedback, which can be
yang dapat disampaikan melalui: [GRI 2-3] submitted through: [GRI 2-3]
Corporate Secretary
PT Bank Artha Graha Internasional Tbk
Gedung Artha Graha
Kawasan Niaga Terpadu Sudirman
Sudirman Central Business District (SCBD)
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan, 12190
Tel. : +62 21 515 2168 (H)
Fax. : +62 21 515 3892
Email : co_secretary@ag.co.id
Website : www.arthagraha.com
Membangun dan Menginternalisasi Budaya
Keberlanjutan [OJK F.1] [G-09]
Building and Internalizing a Sustainability Culture [OJK F.1] [G-09]
Bank Artha Graha Internasional mempertegas langkah Bank Artha Graha Internasional reinforces its strategic
strategisnya dalam mengadopsi model bisnis yang commitment to adopting a business model oriented
berorientasi pada keberlanjutan jangka panjang. toward long-term sustainability. To realize this vision,
Guna merealisasikan visi tersebut, Bank secara the Bank proactively undertakes transformation
proaktif melakukan transformasi dan akselerasi, and acceleration efforts, particularly within its
terutama pada tataran lingkungan internal. Upaya ini internal environment. These efforts are manifested
diwujudkan melalui perumusan kebijakan strategis through the formulation of strategic policies and
serta inisiatif nyata yang mengintegrasikan nilai- concrete initiatives that integrate sustainability
nilai keberlanjutan ke dalam berbagai aspek, mulai values into various aspects, ranging from educational
dari program edukasi, inovasi produk dan layanan, programs, product and service innovation, and social
tanggung jawab sosial, hingga kolaborasi dengan mitra responsibility, to collaboration with business partners.
usaha. Melalui pendekatan holistik ini, Bank optimistis Through this holistic approach, the Bank is confident
seluruh pemangku kepentingan dapat memahami dan that all stakeholders will be able to understand and
menerapkan prinsip keberlanjutan secara konsisten consistently apply sustainability principles in every
dalam setiap aktivitas bisnis. business activity.
Prinsip profesionalisme, integritas, dan kepedulian The principles of professionalism, integrity, and
lingkungan menjadi fondasi utama dalam budaya environmental stewardship serve as the main
keberlanjutan yang dibangun oleh Bank dalam setiap foundation of the sustainability culture established by
pelaksanaan tugas. Komitmen tersebut tercermin the Bank in the execution of all duties. This commitment
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 39
Page 40
dari upaya pencegahan konflik kepentingan yang is reflected in stringent efforts to prevent conflicts of
ketat, pemberian layanan prima kepada nasabah, interest, the delivery of excellent customer service,
serta peningkatan kesadaran kolektif terhadap praktik and the enhancement of collective awareness toward
operasional yang ramah lingkungan. environmentally friendly operational practices.
Seiring dengan krusialnya internalisasi budaya In line with the growing importance of internalizing a
keberlanjutan yang kini telah menyatu dalam visi, misi, sustainability culture, which is now embedded in the
dan kode etik perusahaan, Bank terus memperluas Company’s vision, mission, and code of conduct, the
jangkauan sosialisasi secara intensif. Langkah ini Bank continues to expand its socialization efforts
bertujuan untuk memastikan seluruh operasional intensively. This initiative aims to ensure that all of
Bank senantiasa berlandaskan pada moralitas, etika, the Bank’s operations are consistently grounded
dan integritas yang tinggi. Proses penanaman nilai ini in high standards of morality, ethics, and integrity.
dilakukan melalui ragam program formal maupun non- The internalization process is carried out through
formal, seperti pembekalan budaya bagi karyawan various formal and informal programs, such as cultural
baru, morning briefing, optimalisasi mekanisme orientation for new employees, morning briefings,
whistleblowing, kampanye perilaku hijau, hingga optimization of whistleblowing mechanisms, green
serangkaian program peningkatan kapasitas SDM yang behavior campaigns, and a series of continuous human
berkelanjutan. capital capacity-building programs.
Efektivitas dari implementasi budaya tersebut The effectiveness of implementing this culture has
membawa Bank berhasil mencatatkan berbagai capaian enabled the Bank to achieve various significant
signifikan dalam Prioritas Rencana Aksi Keuangan milestones in the 2025 Sustainable Finance Action
Berkelanjutan (RAKB) tahun 2025. Keberhasilan ini Plan. This achievement serves as a strong foundation
menjadi pijakan kuat bagi Bank untuk melangkah lebih for the Bank to move further in supporting sustainable
jauh dalam mendukung keberlanjutan bisnis serta business practices and resilient banking operations in
operasional perbankan yang tangguh di masa depan. the future.
Ikhtisar Pencapaian RAKB Tahun 2025
Overview of RAKB Achievement in 2025
2025
Uraian
Description Jumlah Nominal
Total Nominal
Penghimpunan Dana
0 0
Fund Raising
Penyaluran Dana
10 2.137,91
Fund Disbursement
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Earning Assets from Sustainable Business Activities
Total Kredit atau Pembiayaan Usaha Berkelanjutan
368,97
Total Loans or Financing for Sustainable Business Activities
Total Non-Kredit atau Pembiayaan Non-Kegiatan Usaha Berkelanjutan
9.423,47
Total Non-Loan or Non-Financing for Non-Sustainable Business Activities
Persentase Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan terhadap Total
Kredit/Pembiayaan Ban
3,77%
Percentage of Total Loans/Financing for Sustainable Business Activities to Total
Bank Loans/Financing
Jumlah dan Kualitas Kredit/Pembiayaan Berdasarkan Kategori Kegiatan Usaha
Berkelanjutan
Nominal NPL
Total and Quality of Loans/Financing by Category of Sustainable Business
Activities
40 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 41
Tentang Laporan Keberlanjutan
About Sustainability Report
Ikhtisar Pencapaian RAKB Tahun 2025
Overview of RAKB Achievement in 2025
2025
Uraian
Description Jumlah Nominal
Total Nominal
KUBL 2: Efisiensi Energi
KUBL 2: Energy Efficiency
KUBL 12: Kegiatan Usaha Mikro, Kecil dan Menengah (UMKM)
368,97 17,50%
KUBL 12: Micro, Small and Medium Enterprises (MSMEs)
Pencapaian Prioritas 2: Penyesuaian Organisasi Achievement of Priority 2: Organizational Alignment
Hingga akhir tahun 2025, berikut pencapaian Prioritas As of the end of 2025, the following are the achievements
2: under Priority 2:
Kegiatan
No. Progress Target
Activity
1 Melakukan kajian dan/atau mengkinikan kebijakan/ prosedur terhadap:
1. Integrasi manajemen risiko lingkungan, sosial dan tata kelola dalam
aktivitas bisnis Bank
2. Taksonomi keuangan berkelanjutan Selesai
100%
Conducting studies and/or updating policies/procedures related to: Done
1. Integration of environmental, social, and governance (ESG) risk
management into the Bank’s business activities
2. Sustainable finance taxonomy
2 Mengembangkan sistem informasi manajemen terkait pelaporan taksonomi
keuangan berkelanjutan
20% 2026
Developing a management information system related to sustainable
finance taxonomy reporting
Pencapaian Prioritas 3: Pengembangan Produk Achievement of Priority 3: Product Development
Hingga akhir Desember 2025, berikut pencapaian As of the end of December 2025, the following are the
Prioritas 3: achievements under Priority 3:
Realisasi per 31
Aktivitas Target 2025 Desember 2025
KUBL
Activity 2025 Target Realization as of
December 31, 2025
Rp112,21 miliar Rp1.408,94 miliar
Pembiayaan dan Penempatan Dana KUBL 1-11
IDR112.21 billion IDR1,408.94 billion
Financing and Fund Placement
Rp2.835,84 miliar Rp728,97 miliar
KUBL 12
IDR2,835.84 billion IDR728.97 billion
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 41
Page 42
Profil Perusahaan Company Profile
Page 43
05
Page 44
Identitas Perusahaan
Corporate Identity
Nama Perusahaan
PT Bank Artha Graha Internasional Tbk
Company Name
Status Perusahaan Perusahaan Terbuka
Company Status Public Company
Bidang Usaha Jasa Perbankan
Line of Business Banking Services
Tanggal Pendirian 7 September 1973
Date of Establishment September 7, 1973
Dasar Hukum Pendirian Akta Pendirian Bank No. 12 tanggal 7 September 1973 oleh Bagijo, S.H., notaris pengganti dari Eliza Pondaag,
dan Perubahan Terakhir S.H., notaris di Jakarta, yang telah mendapat pengesahan dari Menteri Kehakiman (sekarang menjadi
Legal Basis of Menteri Hukum dan Hak Asasi Manusia) melalui Surat Keputusan No. Y.A.5/2/12 tanggal 3 Januari 1975.
Establishment and Recent
Amendments Akta Perubahan terakhir yakni Akta Pernyataan Keputusan Rapat Perubahan Anggaran Dasar No. 18
tanggal 26 Juni 2025 oleh notaris Christina Susanto, S.H., M.Kn., notaris di Jakarta.
Deed of Establishment of the Bank No. 12 dated September 7, 1973, drawn up by Bagijo, S.H., as substitute
notary for Eliza Pondaag, S.H., a notary in Jakarta, which was approved by the Minister of Justice (now the
Minister of Law and Human Rights) pursuant to Decree No. Y.A.5/2/12 dated January 3, 1975.
The latest amendment is Deed of Statement of Resolutions of the Meeting on Amendment to the Articles
of Association No. 18 dated June 26, 2025, drawn up by Christina Susanto, S.H., M.Kn., a notary in Jakarta.
Pemegang Saham • PT Cakra Inti Utama 14,38%
(Per 31 Desember 2025) • PT Pirus Platinum Murni 6,73%
Shareholders • PT Cerana Arthaputra 6,54%
(As of December 31, 2025) • PT Puspita Bisnispuri 5,38%
• PT Arthamulia Sentosajaya 4,15%
• PT Karya Nusantara Permai 3,52%
• Masyarakat (masing-masing di bawah 5%) | Public (each below 5%) 59,30%
Jumlah | Total 100,00%
Modal Dasar Rp
5.800.132.800.000 atau 52.310.000.000 lembar saham
Authorized Capital IDR
5,800,132,800,000 or 52,310,000,000 shares
Modal Ditempatkan dan
Disetor Penuh Rp
2.242.372.023.128,16 atau 20.223.412.907 lembar saham
Issued and Fully Paid-Up IDR
2,242,372,023,128.16 or 20,223,412,907 shares
Capital
44 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 45
Profil Perusahaan
Company Profile
Jumlah Karyawan
1.037 Orang | People
Number of Employees
Bursa Efek Bursa Efek Indonesia
Stock Exchange Indonesia Stock Exchange
Tanggal Go Public 23 Agustus 1990
Listing Date August 23, 1990
Kode Saham
INPC
Stock Code
Kode ISIN
ID1000105505
ISIN Code
Kode SWIFT
ARTGIDJA
SWIFT Code
Izin Usaha Surat Keputusan Menteri Keuangan Republik Indonesia No. 176/KMK.017/1993
Business License Decree of the Minister of Finance of the Republic of Indonesia No. 176/KMK.017/1993
Izin Bank Devisa
Surat Keputusan Direksi Bank Indonesia No. 25/62/KEP/DIR tanggal 4 September 1992
Foreign Exchange Bank
Decree of the Board of Directors of Bank Indonesia No. 25/62/KEP/DIR dated September 4, 1992
License
Data Jaringan Kantor • Kantor Pusat | Head Office 1
(Per 31 Desember 2025) • Kantor Cabang | Branch Offices 30
Office Network • Kantor Cabang Pembantu | Sub-Branch Offices 30
(As of December 31, 2025) • Kantor Fungsional | Functional Office 1
• ATM on Premises 70
• ATM off Premises 83
• ATM ALTO 52. 350
• ATM Prima 68.753
• EDC ALTO 700.000
• EDC Prima 1.293.120
Alamat Kantor Pusat | Head Office
Address Gedung Artha Graha l Artha Graha Building
Kawasan Niaga Terpadu Sudirman (SCBD)
Jl. Jend. Sudirman Kav. 52-53, Jakarta Selatan 12190
Telp | Phone : (021) 515-2168 (Hunting)
Fax : (021) 515-3892
Surel
co_secretary@ag.co.id
Email
Laman Web
www.arthagraha.com
Website
Media Sosial Instagram : @teman.agi
Social Media X : @temanagi
Facebook : Teman agi
TikTok : @temanagi
Youtube : temanagi by Bank Artha Graha Internasional
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 45
Page 46
Sejarah Singkat Perseroan
Brief History of the Company
PT Bank Artha Graha Internasional Tbk (selanjutnya PT Bank Artha Graha Internasional Tbk (hereinafter
disebut dengan “Bank” atau “Perseroan”) adalah referred to as the “Bank” or the “Company”) is a banking
lembaga perbankan yang berkantor pusat di Jakarta institution headquartered in South Jakarta and has a
Selatan dan memiliki sejarah panjang dalam industri long history in Indonesia’s financial industry. The Bank
keuangan Indonesia di Indonesia. Bank didirikan pada 7 was established on September 7, 1973 under the name
September 1973 dengan nama PT Inter-Pacific Financial PT Inter-Pacific Financial Corporation as a non-bank
Corporation sebagai lembaga keuangan nonbank. financial institution. On August 23, 1990, the Company
Pada 23 Agustus 1990, Perusahaan mencatatkan listed its shares on the Indonesia Stock Exchange.
sahamnya di Bursa Efek Indonesia. Selanjutnya, Subsequently, in 1992, the Company obtained a
pada 1992, Perusahaan mendapatkan izin usaha di banking business license and changed its name to
bidang perbankan dan mengubah namanya menjadi PT Inter-Pacific Bank Tbk. Following a merger process
PT Inter-Pacific Bank Tbk. Setelah melalui proses with PT Bank Artha Graha in 2005, the Company has
merger dengan PT Bank Artha Graha pada tahun 2005, since operated under its current name, PT Bank Artha
Perusahaan beroperasi dengan nama yang dikenal saat Graha Internasional Tbk.
ini yaitu PT Bank Artha Graha Internasional Tbk.
Di bidang perbankan berkelanjutan (sustainable In the field of sustainable banking, the Company is one
banking), Perseroan merupakan salah satu dari delapan of eight banks representing 46% of national banking
bank yang mewakili 46% aset perbankan nasional yang assets that declared their commitment to becoming
mendeklarasikan komitmennya untuk menjadi pionir di pioneers in sustainable banking. This commitment was
bidang perbankan berkelanjutan. Sikap itu diambil pada made in November 2015 when the Financial Services
November 2015 saat Otoritas Jasa Keuangan proyek Authority launched the First Movers on Sustainable
perintis First Movers on Sustainable Banking di Jakarta. Banking pilot project in Jakarta.
46 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 47
Profil Perusahaan
Company Profile
Sebagai lembaga perbankan yang berkomitmen untuk As a banking institution committed to providing
memberikan solusi keuangan yang komprehensif, Bank comprehensive financial solutions, the Bank offers
menawarkan berbagai layanan untuk individu maupun a wide range of services for both individual and
korporasi. Produknya mencakup kredit produktif dan corporate customers. Its products include productive
konsumtif, serta berbagai pilihan pendanaan seperti and consumer loans, as well as various funding options
tabungan, giro, dan deposito. Selaras dengan itu, Bank such as savings accounts, current accounts, and time
juga mengembangkan layanan perbankan digital untuk deposits. In line with this, the Bank also develops
memudahkan nasabah dalam melakukan transaksi, digital banking services to facilitate customer
termasuk fasilitas ATM GrahaCash GPN, Mobile Banking, transactions, including GrahaCash GPN ATM facilities,
Internet Banking, QRIS, serta layanan GrahaCall 24 Jam. Mobile Banking, Internet Banking, QRIS, and the 24-
Layanan ini menjadi bagian dari upaya Bank untuk hour GrahaCall service. These services form part of
mendukung transaksi keuangan yang lebih cepat, the Bank’s efforts to support faster, more efficient, and
efisien, dan aman. secure financial transactions.
Teknologi Informasi berperan penting dalam menjaga Information Technology plays a key role in maintaining
kelancaran operasional Bank dan mendukung the Bank’s operations and supporting digital service
pengembangan layanan digital. Pertumbuhan transaksi, development. Growing transactions, payment
integrasi dengan ekosistem pembayaran, serta ecosystem integration, and faster, more secure
kebutuhan transaksi nasabah yang semakin cepat dan customer needs drive the IT Directorate to strengthen
aman mendorong Direktorat Satuan Kerja Teknologi infrastructure, applications, and cybersecurity.
Informasi untuk memperkuat infrastruktur, aplikasi, dan Improvements are carried out to keep systems,
keamanan siber. Peningkatan dilakukan secara terarah applications, and infrastructure stable, secure, and
agar seluruh sistem pendukung transaksi, aplikasi dan compliant with regulatory standards. These efforts
infrastruktur tetap stabil, aman dan siap memenuhi ensure the Bank’s technology remains adaptive,
standar regulator. Langkah ini memastikan teknologi efficient, and able to support business needs.
Bank tetap adaptif, efisien, dan mampu mendukung
kebutuhan bisnis.
Selama tahun 2025, Direktorat IT Service Delivery Throughout 2025, IT Service Delivery & Cyber Security
& Cyber Security berhasil melakukan implementasi Directorate successfully implemented several key
beberapa program utama: programs:
1. Upgrade aplikasi Core Banking. 1. Upgrade of the Core Banking application.
2. Implementasi perpindahan pusat data. 2. Implementation of data center migration.
3. Proses Disaster Recovery Plan (DRP) untuk 3. Execution of the Disaster Recovery Plan (DRP) to
memastikan Business Continuity. ensure Business Continuity.
4. Penguatan sistem dan monitoring Keamanan Siber. 4. Strengthening of cybersecurity systems and
monitoring.
5. Peningkatan perfomance dari system layanan digital 5. Performance enhancement of digital service
seperti sistem QRIS Nasional and Digital Core. systems such as the National QRIS system and
Digital Core.
6. Implementasi Fraud Detection System untuk 6. Implementation of a Fraud Detection System
memantau, mengidentifikasi, mencegah dan to automatically monitor, identify, prevent, and
menangani aktivitas penipuan atau transaksi address fraudulent activities or suspicious
mencurigakan secara otomatis. transactions.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Visi, Misi, dan Nilai-Nilai Bank [GRI 2-1] [OJK C.1]
Vision, Mission, and Corporate Values [GRI 2-1] [OJK C.1]
Visi
Vision
Menjadi Institusi Keuangan Terkemuka
dengan Kinerja Prima yang Berkelanjutan
dan Berkontribusi dalam Pembangunan
Indonesia.
To become a leading financial institution with sustainable excellent
performance that contributes to the development of Indonesia.
Misi
Mission
• Memberikan solusi keuangan berkelanjutan yang komprehensif dan inovatif.
Providing comprehensive and innovative sustainable financial solutions.
• Meningkatkan jangkauan serta kualitas pelayanan melalui digitalisasi dan
inklusi keuangan.
Improving the reach and quality of services through digitization and
financial inclusion.
• Mengembangkan sumber daya manusia yang handal dan berdedikasi.
Developing reliable and dedicated human resources.
• Menjalankan tata kelola perusahaan yang baik serta peduli terhadap
masyarakat dan lingkungan.
Implementing good corporate governance and caring for the community
and the environment.
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Profil Perusahaan
Company Profile
Nilai-Nilai Bank Bank Values
Nilai-nilai perusahaan yang menjadi pedoman bagi The corporate values that serve as guidelines for the
para Karyawan Bank Artha Graha Internasional dalam employees of Bank Artha Graha Internasional in realizing
mewujudkan Visi dan Misi adalah: the Company’s Vision and Mission are as follows:
Agility
Mampu untuk berpikir dan bertindak cepat Able to think and act quickly in evaluating
dalam mengevaluasi dan merespons dinamika and responding to the dynamics of industry
perubahan industri yang berdampak kepada changes that impact the sustainability of
keberlangsungan perusahaan. the company.
Collaboration
Senantiasa membuka kesempatan untuk Always open opportunities to collaborate with
berkolaborasi dengan mitra strategis yang competent strategic partners in creating new
kompeten dalam menciptakan peluang baru opportunities for the company’s progress.
demi kemajuan perusahaan.
Innovation
Konsisten dalam mencapai upaya terbaik Consistent in achieving the best efforts in the
berupa usulan atau tindakan perbaikan form of proposals or actions for gradual or
bertahap atau signifikan guna menciptakan significant improvements to create efficiency,
efisiensi, efektivitas dan nilai tambah di bidang effectiveness and added value in the areas
produk, proses, pelayanan, dan/atau teknologi of products, processes, services, and/or
untuk memajukan perusahaan. technology to advance the company.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 50
Kegiatan Usaha [GRI 2-6]
Business Activities [GRI 2-6]
Bank Artha Graha Internasional menjalankan kegiatan usaha Bank Artha Graha Internasional conducts its business
sebagai bank umum konvensional (64121) dan unit usaha activities as a conventional commercial bank (64121)
syariah bank umum (64123) sebagaimana diatur dalam and a sharia business unit of a commercial bank (64123),
Pasal 3 Anggaran Dasar Perusahaan yang tertuang dalam as stipulated in Article 3 of the Company’s Articles of
Akta No. 06 tanggal 17 Juli 2024. Sejalan dengan ketentuan Association as stated in Deed No. 06 dated July 17, 2024.
tersebut, Bank dapat melaksanakan berbagai kegiatan usaha In line with these provisions, the Bank may carry out various
sebagai berikut: business activities as follows:
Kegiatan Usaha Utama: Main Business Activities:
1. Menghimpun dana dari masyarakat dalam bentuk 1. Collecting funds from the public in the form of current
simpanan giro, deposito berjangka, sertifikat deposito, account deposits, time deposits, certificates of deposit,
tabungan dan/atau bentuk lainnya yang dipersamakan savings and/or other similar forms;
dengan itu;
2. Memberikan kredit baik kredit jangka menengah, panjang 2. Providing loans, either medium-, long- or short-term loans
atau pendek maupun jenis lainnya yang lazim dalam or other types that are common in the banking industry;
dunia perbankan;
3. Menerbitkan surat pengakuan utang; 3. Issuing debt certificates;
4. Membeli, menjual, atau menjaminkan atas risiko 4. Buying, selling, or guaranteeing on its own risk or for the
sendiri maupun untuk kepentingan dan atas perintah benefit of and at the behest of its Customers:
Nasabahnya:
a. Surat-surat wesel, termasuk wesel yang diakseptasi a. Bill of exchange, including bills accepted by banks
oleh bank yang masa berlakunya tidak lebih lama dari whose validity period does not exceed the period
kebiasaan dalam perdagangan surat-surat tersebut; customary for the trading of such bills;
b. Surat pengakuan utang dan kertas dagang lainnya b. Debt certificates and other commercial papers with
yang masa berlakunya tidak lebih lama dari kebiasaan a validity period not exceeding the period customary
dalam perdagangan surat-surat tersebut; in the trading of such papers;
c. Kertas Perbendaharaan Negara dan Surat Jaminan c. State Treasury Notes and Government Guarantee
Pemerintah; Notes;
d. Sertifikat Bank Indonesia (SBI); d. Bank Indonesia Certificate;
e. Obligasi; e. Bonds;
f. Surat promes yang dapat diperdagangkan dengan f. Tradeable promissory notes with a maturity of up
berjangka waktu sampai dengan 1 (satu) tahun; dan to 1 (one) year; and
g. Surat berharga lain yang berjangka waktu sampai g. Other securities with a maturity of up to 1 (one) year.
dengan 1 (satu) tahun.
5. Memindahkan uang, baik untuk kepentingan sendiri 5. Transferring funds, both for its own benefit and for the
maupun untuk kepentingan Nasabah; benefit of its customers;
6. Menempatkan dana pada, meminjam dana dari atau 6. Placing funds with, borrowing funds from, or lending
meminjamkan dana kepada bank lain, baik dengan funds to other banks, using letters, telecommunications
menggunakan surat, sarana telekomunikasi maupun facilities, or by bills of exchange, checks or other means;
dengan wesel unjuk, cek atau sarana lainnya;
7. Menerima pembayaran dari tagihan atas surat berharga 7. Receiving payments from claims on securities and
dan melakukan perhitungan dengan atau antara pihak performing calculations with or between third parties;
ketiga;
8. Melakukan penempatan dana dari Nasabah kepada 8. Placing funds from one customer to another customer
Nasabah lainnya dalam bentuk surat berharga yang in the form of securities listed on the stock exchange;
tercatat di bursa efek;
9. Melakukan kegiatan dalam valuta asing dengan memenuhi 9. Conducting foreign exchange activities in compliance
ketentuan yang ditetapkan oleh Bank Indonesia; with the provisions stipulated by Bank Indonesia;
10. Menyediakan pembiayaan dan/atau melakukan kegiatan 10. Providing financing and/or conducting other activities
lain sesuai dengan ketentuan yang ditetapkan Bank in accordance with the provisions stipulated by Bank
Indonesia; Indonesia;
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Profil Perusahaan
Company Profile
11. Menyediakan pembiayaan dan/atau melakukan kegiatan 11. Providing financing and/or conducting business
usaha berdasarkan prinsip syariah, baik melalui pendirian activities based on Sharia principles, either through the
anak perusahaan maupun melalui pembentukan Unit establishment of subsidiaries or through the formation of
Usaha Syariah sesuai ketentuan yang ditetapkan oleh a Sharia Business Unit, in accordance with the provisions
Bank Indonesia atau Otoritas Jasa Keuangan atau instansi stipulated by Bank Indonesia, the Financial Services
pemerintah lainnya; dan Authority, or other government agencies; and
12. Berperan serta sebagai pendukung perusahaan atau 12. Participating as a supporter of companies or operators
penyelenggara Finansial Teknologi dalam hal pembayaran, of Financial Technology in payment and settlement
penyelesaian (settlement), dan berkolaborasi dengan activities, and collaborating with Financial Technology
perusahaan atau penyelenggara Finansial Teknologi dalam companies or operators in developing digital finance
mengembangkan ekosistem digital finance services service ecosystems, including Bancassurance, Insurtech,
antara lain Bancassurance, Insurtech, Quick Response Quick Response Code Indonesian Standard (QRIS),
Code Indonesian Standard (QRIS), Dompet Elektronik, Electronic Wallets, Electronic Money, Payment Gateways,
Uang Elektronik, Payment Gateway, Layanan Pendanaan and information technology-based joint funding services.
Bersama Berbasis Teknologi Informasi.
Kegiatan Usaha Penunjang: Supporting Business Activities:
1. Menyediakan tempat untuk menyimpan barang dan 1. Providing a place to store valuables and securities;
surat berharga;
2. Melakukan kegiatan penitipan untuk kepentingan pihak 2. Performing custodial activities for the benefit of other
lain berdasarkan suatu kontrak; parties based on a contract;
3. Membeli agunan baik semua maupun sebagian 3. Purchasing collateral either all or partially through auction
melalui pelelangan dalam hal debitur tidak memenuhi in the event that a debtor does not fulfill its obligations
kewajibannya kepada Perseroan dengan ketentuan to the Company provided that the purchased collateral
agunan yang dibeli tersebut wajib dicairkan secepatnya; must be disbursed immediately;
4. Melakukan kegiatan anjak piutang, usaha kredit dan 4. Conducting factoring activities, credit business and
kegiatan wali amanat; trustee activities;
5. Melakukan kegiatan sebagai penyelenggara dana pensiun 5. Conducting activities as a pension fund organizer in
sesuai dengan peraturan perundang-undangan yang accordance with the applicable laws and regulations,
berlaku, baik selaku pendiri dana pensiun pemberi kerja both as the founder of the employer pension fund and as
maupun selaku pendiri dan/atau peserta dana pensiun the founder and/or participant of the financial institution
lembaga keuangan; pension fund;
6. Melakukan kegiatan penyertaan pada bank atau 6. Conducting participation activities in banks or other
perusahaan lain di bidang keuangan sewa guna usaha, companies in the field of leasing finance, venture capital
perusahaan modal ventura, perusahaan efek, perusahaan companies, securities companies, insurance companies,
asuransi, lembaga kliring dan penjamin serta lembaga clearing and guarantee institutions and depository
penyimpan dan penyelesaian, dengan memenuhi and settlement institutions, by fulfilling the provisions
ketentuan yang ditetapkan oleh instansi yang berwenang; stipulated by the authorized agency;
7. Melakukan kegiatan penyertaan modal sementara untuk 7. Conducting temporary capital participation activities to
mengatasi kredit macet, dengan syarat harus menarik overcome loan defaults, provided that the participation
kembali penyertaannya sesuai dengan ketentuan yang must be withdrawn in accordance with the provisions
ditetapkan Bank Indonesia; dan stipulated by Bank Indonesia; and
8. Mengusahakan usaha-usaha lain yang berhubungan 8. Undertaking other businesses directly or indirectly related
langsung atau tidak langsung dengan maksud di atas yang to the above purposes, the implementation of which is
pelaksanaannya tidak bertentangan dengan Undang- not contrary to the prevailing laws in Indonesia.
Undang yang berlaku di Indonesia.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Produk dan Jasa [GRI 2-6] [OJK C.4] Products and Services [GRI 2-6] [OJK C.4]
Per 31 Desember 2025, Bank memiliki produk dan jasa As of December 31, 2025, the Bank has the following
sebagai berikut: products and services:
Produk Pendanaan
Funding Products
Tabungan Icon Icon Savings
Buka rekening online dari genggaman kapan saja di mana saja. Open an online account from the palm of your hand anytime,
Nikmati berbagai kemudahan transaksi dengan Tabungan Icon. anywhere. Enjoy a variety of easy transactions with Icon Savings.
Tabungan Artha Artha Savings
Kelola dana untuk transaksi sehari-hari dengan Tabungan Artha Manage your funds for daily transactions with Artha Savings and
dan nikmati berbagai fasilitas perbankan yang anda butuhkan. enjoy various banking facilities that you need. Artha Savings also
Tabungan Artha juga dilengkapi dengan kartu ATM untuk menambah comes with an ATM card to offer more choices of transaction
pilihan metode transaksi. methods.
Tabungan Artha Payroll Artha Payroll Savings
Merupakan tabungan khusus untuk penempatan gaji dengan A special savings account for salary placement with low cost and
biaya ringan dan mudah, dengan kemudahan akses dan fasilitas. easy access and facilities.
Tabungan Artha Merchant Artha Merchant Savings
Mendukung para pelaku usaha untuk mengelola transaksi menjadi Supporting businesses to manage transactions more easily. Artha
lebih mudah. Tabungan Artha Merchant yang dilengkapi dengan Merchant Savings with QRIS is the right choice.
QRIS menjadi pilihan yang tepat.
Tabungan Wira Wira Savings
Memberikan lebih dari fleksibilitas bertransaksi, Tabungan Wira Providing more than transaction flexibility, Wira Savings also offers
juga memberikan suku bunga setara deposito agar dana anda deposit-like interest rates to optimize the growth of your funds.
dapat bertumbuh optimal.
Tabungan Pintar Pintar Savings
Kelola uang dengan pintar untuk wujudkan rencana mendatang. Manage your money smartly to realize your future plans. Start
Mulai menabung rutin setiap bulan dari sekarang, Tabungan pintar saving regularly every month from now on, Pintar Savings is a
menjadi solusi pintar perencanaan masa depan anda. smart solution for planning your future.
Tabungan Prega Prega Savings
Tanamkan kebiasaan menabung sejak usia dini untuk hidup yang Instill the habit of saving from an early age for a better life. You can
lebih baik. Anda dapat membentuk kebiasaan menabung bagi shape your child’s saving habit with Prega Savings.
anak anda dengan Tabungan Prega.
Tabungan Simpanan Pelajar (SimPel) Simpanan Pelajar (SimPel) Savings
Generasi muda yang siap meraih cita-cita. Buka Tabungan SimPel The young generation who are ready to achieve their dreams. Open
untuk wujudkan yang kamu mau di masa depan. Simpanan Pelajar (SimPel) Savings to realize your future dreams.
TabunganKu TabunganKu
Menyimpan dana di Bank dapat dilakukan dengan persyaratan Saving funds at the Bank can be done with easy requirements
yang mudah dan bebas biaya administrasi. Anda dapat membuka and no administration fees. You can open TabunganKu to save
TabunganKu untuk menyimpan dana dengan aman dan nyaman. your funds safely and comfortably.
Giro Demand Deposit
Kemudahaan transaksi bisnis selain menggunakan cek/bilyet giro The convenience of business transactions in addition to using
dan Internet Banking, juga dapat diintegrasikan dengan sistem checks/bilyet demand deposit and Internet Banking, can also
pembayaran yang andal menggunakan virtual account dan berbagai be integrated with a reliable payment system using virtual
fasilitas lainnya. Giro menjadi solusi pengelolaan keuangan untuk accounts and various other facilities. Demand deposit is a financial
bisnis anda. management solution for your business.
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Profil Perusahaan
Company Profile
Produk Pendanaan
Funding Products
Rekening Terpisah Segregated Account
Menampung dana Nasabah secara terpisah dalam kegiatan bursa Accommodating Customers’ funds separately in commodity
berjangka komoditi lengkap dengan fasilitas Internet Banking. futures exchange activities complete with Internet Banking
Rekening terpisah yang dapat digunakan oleh Pialang/Perantara facilities. Segregated accounts can be used by Brokers/Futures
Berjangka untuk menjamin keamanan dana Nasabah. Intermediaries to ensure the security of Customers’ funds.
Deposito Time Deposit
Investasi dana dengan jangka waktu tertentu dan suku bunga Investment of funds with a certain period of time and competitive
kompetitif serta pilihan mata uang rupiah dan valas. Deposito interest rates and a choice of rupiah and foreign currencies. Time
memberikan keuntungan optimal atas penempatan Nasabah deposits provide optimal returns on the placement of individual
perorangan maupun perusahaan. and corporate Customers.
Produk Pelepasan Dana
Fund Release Products
Kredit Produktif
Productive Loans
Pinjaman Rekening Koran Overdraft Loan
Fasilitas kredit di mana plafon kredit dicantumkan pada rekening A credit facility where the credit ceiling is listed on the debtor’s
koran debitur sesuai dengan kesepakatan antara Bank dengan current account in accordance with the agreement between
debitur berdasarkan Perjanjian Kredit/Pengakuan Utang. Jenis the Bank and the debtor based on the Credit Agreement/Debt
pinjaman ini umumnya digunakan untuk membiayai modal kerja Acknowledgement. This type of loan is generally used to finance
debitur sehari-hari. the debtor’s daily working capital.
Revolving Loan Revolving Loan
Fasilitas kredit untuk pembiayaan modal kerja yang bersifat Credit facility for permanent working capital financing, in which
permanen, jumlahnya tercermin dalam cash flow perusahaan. the amount is reflected in the company’s cash flow. Withdrawal of
Penarikan dana sesuai kebutuhan debitur, dengan menggunakan funds according to the needs of the debtor, using a disbursement
surat permohonan pencairan (beserta dengan lampiran lainnya). request letter (along with other attachments). Maximum loan
Maksimum jangka waktu pinjaman selama 1 (satu) tahun dan period for 1 (one) year and can be extended.
dapat diperpanjang.
Fixed Loan Fixed Loan
Fasilitas kredit untuk membiayai investasi. Pembayaran pokok Credit facility to finance investment. Payment of the loan principal
pinjaman dilakukan secara berkala berdasarkan cash flow yang is made periodically based on the cash flow agreed upon at
disepakati di awal dan dapat juga diberikan grace period terhadap the beginning and a grace period can also be given to the loan
pokok pinjaman. Penarikan dapat dilakukan sekaligus atau secara principal. Withdrawals can be made all at once or in stages or
bertahap atau jadwal pembayaran atau per batch dengan jangka payment schedules or per batch with a relatively long loan period
waktu pinjaman yang relatif panjang maksimal 15 (lima belas) tahun. of a maximum of 15 (fifteen) years.
Supply Chain Financing Supply Chain Financing
Fasilitas kredit yang diberikan untuk pembiayaan terhadap Credit facilities provided for financing against suppliers of the
Supplier dari Prinsipal dalam hal ini merupakan Nasabah/Debitur Principal in this case is the Customer/Debtor with the type of
dengan jenis Invoice (AR) Financing, merupakan pembiayaan Invoice (AR) Financing, which is financing based on invoices
yang didasarkan pada invoice atas barang/jasa yang telah di for goods/services that have been delivered to the Principal
deliver kepada Prinsipal dan Purchase Order (Contract) Financing and Purchase Order (Contract) Financing is financing based on
merupakan pembiayaan yang didasarkan pada Purchase Order Purchase Orders for goods/services that have not been delivered
terhadap barang/jasa yang belum di deliver kepada Prinsipal. to the Principal.
Money Market Line Money Market Line
Fasilitas kredit jangka pendek yang biasanya diberikan kepada A short-term credit facility that is usually granted to companies
perusahaan berbentuk badan hukum dengan reputasi tinggi dan in the form of legal entities with a high reputation and known to
diketahui memiliki kemampuan manajemen yang solid. Jangka have solid management capabilities. Terms are generally short
waktu umumnya singkat +/- selama 7 (tujuh) hari. +/- for 7 (seven) days.
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Produk Pelepasan Dana
Fund Release Products
Negosiasi Wesel Ekspor Export Bill Negotiation
Fasilitas kredit yang diberikan kepada debitur di mana Bank A credit facility provided to the debtor where the Bank takes over
melakukan pengambilalihan wesel ekspor dari debitur dan the export bills of exchange from the debtor and makes payment
melakukan pembayaran atas wesel tersebut sebelum Bank on the bills of exchange before the Bank gets payment from other
mendapatkan pembayaran dari bank pembayar lainnya di luar paying banks abroad. This facility will arise and be required in line
negeri. Fasilitas ini akan timbul dan dibutuhkan sejalan dengan with the granting of export credit.
pemberian kredit ekspor.
Kredit Ekspor Export Credit
Fasilitas kredit modal kerja yang diberikan kepada eksportir Working capital credit facilities provided to exporters (suppliers)
(pemasok) untuk membiayai kegiatan-kegiatan produksi, to finance production activities, raising funds or supplying goods
pengumpulan dana atau penyediaan barang dalam rangka ekspor. in the context of exports.
Trust Receipt Trust Receipt
Fasilitas kredit jangka pendek yang diberikan oleh opening Bank Short-term credit facility provided by the opening Bank to finance
untuk membiayai modal kerja dalam rangka pelunasan dokumen working capital in order to repay the matured Sight L/C document.
Sight L/C yang telah jatuh tempo. Debitur dapat menarik Trust Debtors can withdraw the Trust Receipt repeatedly as long as
Receipt secara berulang selama perjanjian kredit masih berlaku the credit agreement is still valid and in accordance with the
dan sesuai dengan jatuh tempo Sight L/C yang telah dibuka oleh maturity of the Sight L/C that has been opened by the applicant.
applicant.
Advances Under L/C Advances Under L/C
Fasilitas kredit dengan jangka waktu maksimal 14 (empat belas) Credit facility with a maximum period of 14 (fourteen) days. The
hari. Fasilitas timbul dalam transaksi penyelesaian L/C Impor yang facility arises in Import L/C settlement transactions because the
disebabkan “nostro account” Bank telah didebit oleh negotiating Bank’s “nostro account” has been debited by the negotiating
Bank di luar negeri sedangkan pendebitan rekening debitur belum Bank abroad while the debiting of the debtor’s account cannot
dapat dilaksanakan karena dokumen/barang belum tiba atau be carried out because the documents/goods have not arrived
dokumen/barang sudah tiba namun debitur tidak mempunyai or the documents/goods have arrived but the debtor does not
fasilitas Trust Receipt sedangkan saldo di rekening tidak mencukupi. have a Trust Receipt facility while the balance in the account is
insufficient.
Clean Bills Purchased Clean Bills Purchased
Pembelian diskonto wesel dan surat berharga lain yang Purchase of discounted bills of exchange and other securities,
didiskontokan, dengan catatan wesel atau surat berharga tersebut provided that the bills of exchange or securities do not contain
tidak terdapat penyimpangan sesuai dengan ketentuan yang diatur any irregularities in accordance with the provisions stipulated by
oleh pihak yang menerbitkan wesel atau surat berharga tersebut. the party issuing the bills of exchange or securities.
Kredit Konsumtif
Consumptive Loans
KPR Kerjasama Partnership Mortgage
KPR Kerjasama merupakan fasilitas pembiayaan untuk tujuan Partnership Mortgage is a financing facility for the purchase of
pembelian rumah atau apartemen dari developer-developer houses or apartments from developers, with financing amounts
kerjasama yang besarnya dapat disesuaikan dengan kebutuhan tailored to the financing needs and repayment capacity of each
pembiayaan dan kemampuan membayar masing-masing home home buyer.
buyer.
KPR Reguler Conventional Mortgage
Kredit Pemilikan Rumah atau Apartemen (KPR/KPA) dari Bank Home or apartment ownership loans (KPR/KPA) from Bank Artha
Artha Graha Internasional yang diberikan kepada perorangan Graha Internasional for individuals to buy houses or apartments,
untuk membeli rumah atau apartemen, melalui developer yang through developers who have established collaboration.
telah bekerja sama.
54 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 55
Profil Perusahaan
Company Profile
Produk Pelepasan Dana
Fund Release Products
KPR Tapera FLPP KPR Tapera FLPP
Kredit Pemilikan Rumah (KPR) dari Bank Artha Graha Internasional Home Ownership Loan (KPR) from Bank Artha Graha Internasional
berupa Fasilitas Likuiditas Pembiayaan Perumahan kepada in the form of a Housing Financing Liquidity Facility for Low Income
Masyarakat Berpenghasilan Rendah (MBR) yang bekerja sama People in collaboration with the Ministry of Public Works and
dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat Public Housing in order to fulfill the One Million Houses Program.
dalam rangka pemenuhan Program Satu Juta Rumah.
Kredit Tanpa Agunan (KTA) Unsecured Loan (KTA)
Kredit Tanpa Agunan (KTA) adalah fasilitas kredit yang diberikan Unsecured Loan (KTA) is a credit facility provided to debtors in
kepada debitur dalam mata uang Rupiah untuk keperluan Rupiah for consumptive or productive purposes as long as it does
konsumtif ataupun produktif selama tidak bertentangan dengan not conflict with applicable regulations, does not require debtors
ketentuan yang berlaku, dengan tidak mensyaratkan debitur to provide guarantees, and is given on the basis of the debtor’s
untuk memberikan jaminan, dan diberikan atas dasar kemampuan ability to pay based on the debtor’s historical performance.
bayar debitur berdasarkan historical performance debitur yang
bersangkutan.
Kredit Kendaraan Bermotor (KKB) Motor Vehicle Loans (KKB)
Kredit Kendaraan Bermotor (KKB) adalah kredit konsumer yang Motor Vehicle Loans (KKB) is a consumer loan provided to finance
diberikan untuk membiayai pembelian kendaraan baru (mobil). the purchase of a new vehicle (car). The purchase of the vehicle
Khusus untuk pembelian kendaraan ini harus melalui dealer/ must go through an authorized dealer/agent from the Sole Agent
agen resmi dari Agen Tunggal Pemegang Merek (ATPM) yang of Brand Holder (ATPM) who has collaborated with BAGI. This KKB
telah bekerja sama dengan BAGI. KKB ini bersifat complimentary is complimentary (only given to debtors/Customers who have
(hanya diberikan kepada debitur/Nasabah yang memiliki fasilitas current funding/lending status facilities at Bank Artha Graha
funding/lending status lancar di Bank Artha Graha Internasional). Internasional).
Fasilitas Kredit Lainnya
Other Credit Facilities
Bank Garansi Bank Guarantee
Jaminan Bank kepada pihak ketiga demi terjaminnya kelancaran Bank guarantee to third parties to ensure smooth payment/
pembayaran/pelaksanaan atas penyelesaian transaksi antara implementation of transaction settlement between Customers
Nasabah dengan pihak ketiga sesuai perjanjian yang telah and third parties in accordance with agreed agreements.
disepakati.
Letter of Credit Letter of Credit
Dokumen instrumen yang diterbitkan oleh Opening Bank atas nama Documents/instruments issued by the Opening Bank on behalf of
Nasabah (applicant) yang memberi kuasa kepada beneficiary the Customer (applicant) authorizing the beneficiary to withdraw
untuk melakukan penarikan wesel/draft, yang akan dibayar oleh bills/drafts, which will be paid by the Bank if all requirements on
Bank jika semua persyaratan pada L/C telah dipenuhi. the L/C have been met.
Standby Letter of Credit Standby Letter of Credit
Garansi dalam bentuk L/C yang diterbitkan oleh Bank yang Guarantee in the form of L/C issued by the Bank which results in
mengakibatkan Bank tersebut berkewajiban untuk membayar the Bank being obliged to pay the beneficiary if the guaranteed
pihak penerima garansi (beneficiary) apabila pihak yang dijamin party (account party) defaults.
(account party) cidera janji/wanprestasi.
Shipping Guarantee Shipping Guarantee
Surat jaminan/garansi yang diterbitkan oleh Opening Bank atas A letter of guarantee issued by the Opening Bank at the request
permintaan importir dan ditujukan kepada Shipping Company/ of the importer and addressed to the Shipping Company
Maskapai Pelayaran untuk menjamin pengeluaran barang karena to guarantee the issuance of goods because the original
dokumen pengangkutan asli (Bill of Lading) belum tiba/diterima. transportation document (Bill of Lading) has not arrived/received.
Custom Guarantee Custom Guarantee
Pengambilalihan kewajiban membayar oleh Bank atas permintaan Takeover of payment obligations by the Bank at the request of
Importir kepada Instansi Bea Cukai untuk menjamin pembayaran the importer to the Customs agency to guarantee the payment of
bea masuk barang impor yang dibebaskan atau ditangguhkan. import duties on imported goods that are exempted or suspended.
Foreign Exchange Contract Foreign Exchange Contract
Fasilitas kredit yang diberikan jika Nasabah ingin melakukan Credit facility provided if Customers wish to make transactions
transaksi dalam mata uang asing seperti transaksi Spot, Forward in foreign currencies such as Spot, Forward and Swap.
dan Swap.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 55
Page 56
Layanan Digital Bank
Digital Bank Services
Digital Apps Digital Apps
Layanan perbankan berbasis mobile yang tersedia dalam Mobile-based banking services available on Android and
Android dan iOS untuk menjawab kebutuhan transaksi iOS to answer the needs of financial and non-financial
finansial maupun non-finansial tanpa harus datang ke transactions without having to go to a branch office with
kantor cabang dengan fitur unggulan seperti pembukaan excellent features such as online account opening, biller
rekening online, transaksi biller, cardless withdrawal, top up transactions, cardless withdrawals, eWallet top-ups,
e-Wallet, pembelian e-Commerce. e-Commerce purchases.
QRIS (Quick Response Indonesia Standard) QRIS (Quick Response Indonesia Standard)
Layanan pembayaran berbasis QR berstandar Nasional National standard QR-based payment services through the
melalui metode scan QR Code, menggunakan aplikasi agi QR Code scan method, using the agi digital apps application,
digital apps, ke seluruh jaringan merchant yang tergabung to all merchant networks that are members of QRIS.
dengan QRIS.
Selain itu, Bank juga menyediakan layanan penerimaan In addition, the Bank also provides QR Code payment
pembayaran QR Code di merchant yang bekerja sama acceptance services at merchants that cooperate with
dengan bank, melalui aplikasi AGI Pay, sehingga dapat banks, through the AGI Pay application so that it can
menerima pembayaran QRIS dari seluruh lembaga yang accept QRIS payments from all institutions approved by
telah disetujui oleh Bank Indonesia. Bank Indonesia.
API (Application Programming Interface)
API (Application Programming Interface)
Layanan antarmuka/interface yang menyediakan
Service interface that provides interconnection of banking
interkoneksi layanan perbankan antara sistem bank dan
services between bank systems and business partners
mitra bisnis dengan tetap memprioritaskan aspek security
while prioritizing security aspects in transactions with SNAP
dalam bertransaksi dengan standarisasi SNAP (Standar
(National Open API Payment Standard) standardization.
Nasional Open API Pembayaran).
Internet Banking Business
Internet Banking Business
Layanan perbankan yang berbasis web yang menawarkan
Web-based banking services that offer easy checking of
kemudahan pengecekan dana perusahaan serta transaksi
company funds and payment transactions supported by
pembayaran yang didukung dengan keamanan dalam
security in carrying out transactions using authorization
menjalankan transaksi dengan menggunakan tingkatan level
levels in transactions with the support of soft tokens and
otorisasi dalam bertransaksi dengan dukungan soft token
hard tokens.
dan hard token.
Retail Internet Banking Retail Internet Banking
Layanan perbankan berbasis web yang ditujukan untuk Web-based banking services intended for individual
Nasabah perorangan yang aktif dalam melakukan Customers who are active in conducting transactional
transaksional perbankan melalui browser dengan jaminan banking through a browser with guaranteed ease and
kemudahan dan keamanan dalam bertransaksi. security in transactions.
Kartu ATM GrahaCash GPN GrahaCash GPN ATM Card
Kartu ATM/Debit Chip sesuai Standar Nasional Teknologi ATM/Debit Chip Card comply with the National Standard
Chip (SNTC) yang memberikan kemudahan bertransaksi for Chip Technology (SNTC) which provides convenience
melalui jaringan ATM serta transaksi debit belanja di seluruh for transactions through ATM networks and shopping debit
mesin EDC merchant yang tergabung dalam Gerbang transactions at all EDC merchant machines incorporated in
Pembayaran Nasional (GPN) di seluruh Indonesia. the National Payment Gateway (GPN) throughout Indonesia.
56 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 57
Profil Perusahaan
Company Profile
Layanan Digital Bank
Digital Bank Services
Fitur Virtual Account and Billing System Virtual Account and Billing System Feature
Layanan yang menjadi solusi dalam rekonsiliasi pembayaran Services that provide solution for reconciling customer
tagihan dari pelanggan yang mudah diakses baik melalui bill payments, easily accessible through API integration
integrasi API maupun Corporate Internet Banking, sehingga or Corporate Internet Banking, enabling the acceptance
dapat menerima pembayaran melalui channel Bank maupun of payments via the Bank’s channels as well as interbank
antar Bank dan transaksi dapat dilakukan kapanpun dan di channels. Transactions can be conducted anytime and
manapun tanpa terbatas dengan jam operasional Bank. anywhere without being limited by the Bank’s operating
hours.
BI FAST BI FAST
Layanan transfer dana antar Bank melalui pendaftaran Interbank fund transfer services through account number
nomor rekening maupun melalui proxy rekening (alias) registration or through account proxy (alias) in the form of
berupa e-mail dan nomor handphone Nasabah secara e-mail and Customer mobile numbers directly/online with
langsung/online dengan biaya transfer yang lebih murah. lower transfer fees.
Fitur Payroll Payroll Feature
Layanan yang menjadi solusi bagi kebutuhan Anda untuk A service that provides a solution for your employee payroll
pembayaran gaji karyawan secara cepat, tepat, dan mudah payment needs, enabling fast, accurate, and convenient
melalui Internet Banking Bisnis, sehingga transaksi dapat processing through Business Internet Banking, so that
dilakukan kapanpun dan dimanapun tanpa terbatas dengan transactions can be carried out anytime and anywhere
jam operasional Bank. without being limited by the Bank’s operating hours.
Laku Pandai Laku Pandai
Layanan keuangan tanpa jaringan kantor Bank, namun A financial service provided without a Bank branch network,
melalui kerja sama dengan pihak lain (agen) dengan delivered through cooperation with other parties (agents)
didukung sarana teknologi informasi menggunakan API and supported by information technology infrastructure
management untuk melayani Nasabah. using API management to serve Customers.
Laku Pandai merupakan salah satu program yang disediakan Laku Pandai is one of the programs offered to promote
dalam rangka keuangan inklusif. financial inclusion.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 58
Struktur Organisasi
Organizational Structure
Board of Commissioners
President Vice President Vice President Independent Independent
Commissioner Commissioner Commissioner Commissioner Commissioner
KIKI SYAHNAKRI SUGIANTO KUSUMA TOMY WINATA ELIZAWATIE S. PESTA ULI S.
Directors
IT Credit ALCO
Committee Committee Committee
Product Human Capital Credit Policy
President Director
Committee Committee Committee
ANDY KASIH
Risk Management Committeee
Vice President Director
CHRISTINA HARAPAN
Secretariat + Human Capital
DIR. BUSINESS DIR. RETAIL & DIGITAL
BANKING
HANDOYO SOEDIRDJA SELVY
ASS DIR. CREDIT ANAYLST CHIEF OPERATION
ASS DIR. RETAIL BANKING
OFFICER
ANDY DHARMA ELVIN HALIM
LINCE TOBING
Financial Treasury Wholesale Credit Regional Regional Regional Regional Digital Digital Service Product Branch Digital Lending
Institution Banking Analyst Head 1 Head 2 Head 3 Head 4 Service-OA Delivery Development Operation Operation & Operation
Cyber & Data Payment
Security Management
ANGGA VACANT VACANT WILLIAM NINA LILY SEPTINA TOMY MENACHEM ANDRIANTO PONTTIE P. RIYAN ALFIAN
WICAKSANA SUSANTO NOVRIANA PANGESTU PANGALILA YONGELIS TODING IMRANUL VACANT PERKASA YEKTONO
A. ALLO HADI
58 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 59
Profil Perusahaan
Company Profile
Commissioners
AUDIT RISK MONITORING REMUNERATION AND
COMMITTEE COMMITTEE NOMINATION COMMITTEE
• PESTA ULI SITANGGANG • ELIZAWATIE S. • KIKI SYAHNAKRI
• SURYANI PURWITA • SURYANI PURWITA • TOMY WINATA
• ANAS LATIEF • ANAS LATIEF • MARLENE GUNAWAN
HEAD OF BUREAU DIR. FINANCE & ASSET DIR. COMPLIANCE & RISK
RECOVERY
EMELIA SUSANTO INDRASTOMO NUGROHO
SUSANA
CORPORATE LEGAL INTERNAL
VICE HEAD OF BUREAU SECRETARY BUREAU AUDIT
VIVI HENNY RUMI KRESHNA W. GARY A. ADHYAKSA SITEPU
SDM General Fincon Asset Asset Asset Risk
Personalia Affair Consumer & Corporate Commercial Management Compliance
Retail
VACANT
MARLENE LIDYA PAULUS FX. RONY FX. TEGUH ROCKY S. EDRIWAN
GUNAWAN SETIAWATI RONALD LOMBOAN SURYANTO LAURENS MEIDIKARA
LESMANA
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 60
Lokasi Operasi dan Pasar yang Dilayani
[GRI 2-1, 2-6]
Operating Locations and Markets Served [GRI 2-1, 2-6]
2 Sumatra Utara
North Sumatra
3 Kalimantan Timur
East Kalimantan
1 Riau
1 Kalimantan Barat
Kepulauan Riau West Kalimantan
1 Riau Islands
1 Kepulauan Babel
Babel Islands
1 Jambi
1 Sumatra Selatan
South Sumatra
1 Lampung 1 Kalimantan Selatan
24 DKI Jakarta South Kalimantan
2 Jawa Tengah
Central Java
2 Jawa Timur
2 Banten East Java
10 Jawa Barat
West Java
2 Bali
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Profil Perusahaan
Company Profile
Jumlah Kantor Berdasarkan Wilayah
Number of Offices by Area
62 Kantor
Office
1 Maluku Utara, Ternate
North Maluku, Ternate
1 Sulawesi Utara
North Sulawesi
1 Sulawesi Tenggara
Southeast Sulawesi
2 Maluku Ambon
1 Sulawesi Selatan
South Sulawesi
1 NTT (Kupang)
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Jumlah Kantor Berdasarkan Wilayah
Number of Offices by Area
Kegiatan Pelayanan Kas
ATM
Cash Service Activities
Area Kantor Kantor
Fungsional Mobile Fungsional OFF Jumlah
KC KCP KC KCP
Functional Terminal Functional Premises Total
Office Office
DKI Jakarta 6 18 - - 8 22 - 26 56
Jawa Barat
4 6 - - 4 5 - 15 24
West Java
Banten - 2 - - - 2 - 4 6
Jawa Tengah
2 - - - 2 - - 2 4
Central Java
Jawa Timur
1 1 - - 1 1 - 1 3
East Java
Bali 1 1 - - 1 1 - 6 8
Sumatra Utara
1 1 - - 2 2 - 4 8
North Sumatra
Sumatra Selatan
1 - - - 1 - - 2 3
South Sumatra
Sumatra Barat
- - - - - - - 2 2
West Sumatra
Riau 1 - - - 2 - - - 2
Kepulauan Riau
1 - - - 1 - - 3 4
Riau Islands
Jambi 1 - - - 1 - - - 1
Kepulauan Babel
1 - - - 1 - - - 1
Babel Islands
Lampung 1 - - - 1 - - 1 2
Kalimantan Timur
2 - 1 - 2 - - - 2
East Kalimantan
Kalimantan Barat
1 - - - 1 - - 4 5
West Kalimantan
Kalimantan Selatan
1 - - - 1 - - - 1
South Kalimantan
Sulawesi Selatan
1 - - - 1 - - 1 2
South Sulawesi
Sulawesi Utara
1 - - - 1 - - - 1
North Sulawesi
Sulawesi Tenggara
1 - - - 2 - - 1 3
Southeast Sulawesi
Kupang (NTT) 1 - - - 1 - - 4 5
Maluku Utara
1 - - - 1 - - - 1
North Maluku
Maluku Ambon 1 1 - - 1 1 - 7 9
Jumlah
31 30 1 - 36 34 - 83 153
Total
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Page 63
Profil Perusahaan
Company Profile
Jumlah Kantor Berdasarkan Jenis Kantor
Number of Offices by Office Type
Jenis Kantor 2025 2024 2023 2022 2021
Office Type
Kantor Cabang
31 32 32 32 32
Branch Office
Kantor Cabang Pembantu
30 33 34 35 36
Sub-Branch Office
Kantor Fungsional
1 - - - -
Functional Office
Mobile Terminal - 1 1 1 1
ATM
On Premises 70 73 73 74 72
Off Premises 83 83 80 57 46
Jumlah ATM
153 156 153 131 118
Total ATM
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 64
Skala Perusahaan
Company Scale
Uraian Satuan 2025 2024 2023
Description Unit
Total Karyawan Orang
1.037 1.279 1.463
Total Employees persons
Kantor Cabang
31 32 32
Branch Office
Jumlah Total Operasi Kantor Cabang Pembantu
30 33 34
Total Operations Sub-Branch Office
Kantor Fungsional
1 - -
Functional Office
Laba (Rugi) Bersih Jutaan Rupiah
(567.520) 152.474 146.753
Net Profit (Loss) Million Rupiah
Pendapatan Bunga –
Jutaan Rupiah
Bersih 733.371 910.069 981.979
Million Rupiah
Net Interest Income
Total Ekuitas Jutaan Rupiah
3.801.121 4.339.696 4.171.033
Total Equity Million Rupiah
Total Liabilitas Jutaan Rupiah
23.772.697 25.786.697 21.932.578
Total Liabilities Million Rupiah
Total Aset Jutaan Rupiah
27.573.818 30.126.393 26.103.611
Total Assets Million Rupiah
Masyarakat Masyarakat Masyarakat
(masing-masing (masing-masing (masing-masing
di bawah 5%) di bawah 5%) di bawah 5%)
Pemilik saham mayoritas Persen saham
59,30 59,30 59,30%
Major shareholders Percentage of shares
Public (each below Public (each below Public (each below
5%) 5%) 5%)
59.30 59.30 59.30
64 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 65
Profil Perusahaan
Company Profile
Demografi Karyawan
Employee Demographics
Jumlah karyawan Bank Artha Graha Internasional per 31 The total number of employees of Bank Artha Graha
Desember 2025 tercatat sebanyak 1.037, turun 18,92% Internasional as of December 31, 2025 was recorded at 1,037,
dibandingkan tahun 2024 yang mencapai 1.279 orang. representing a decrease of 18.92%, representing an decrease
Uraian demografi karyawan berdasarkan jenis kelamin, compared to 2024, when the number of employees reached
status, rentang usia, jenjang pendidikan dan level organisasi 1,279. A detailed description of employee demographics
selengkapnya disampaikan pada Bab Profil Laporan Tahunan based on gender, employment status, age range, educational
Bank Tahun 2025. level, and organizational level is presented in the Profile
Chapter of the Bank’s 2025 Annual Report.
Kesetaraan Gender [IDX S-01]
Gender Equality
2025 2024
Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female
Level
Jabatan
Jumlah Persentase Jumlah Persentase Jumlah Persentase Jumlah Persentase
Position
pegawai pegawai pegawai pegawai pegawai pegawai pegawai pegawai
Level
Total (%) Total (%) Total (%) Total (%)
Employee Percentage Employee Percentage Employee Percentage Employee Percentage
of Employee of Employee of Employee of Employee
(%) (%) (%) (%)
Entry level 136 25,42 192 38,25 181 28,50 261 40,53
Mid level 320 59,81 254 50,60 366 57,64 326 50,62
Senior level 57 10,66 44 8,76 65 10,24 45 6,99
Executive
22 4,11 12 2,39 23 3,62 12 1,86
level
Total 535 100 502 100 635 100 644 100
Jumlah Level Karyawan Laki-Laki dan Perempuan Berdasarkan Kelompok Umur Tahun 2025 [IDX S-02]
Number of Male and Female Employees by Age Group and Employee Level in 2025
Level Jabatan
Position Level
Rentang Usia
Entry level Mid level Senior level Executive level
Age Range
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female Male Female
18-24 33 65 13 9 - - - -
25-34 62 100 91 72 3 - 1 -
35-44 31 25 99 81 18 15 7 2
45-54 9 2 100 88 29 17 7 5
>55 1 0 17 4 7 12 7 5
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Jumlah Level Karyawan Laki-Laki dan Perempuan Berdasarkan Kelompok Umur Tahun 2024
Number of Male and Female Employees by Age Group and Employee Level in 2024
Level Jabatan
Position Level
Rentang Usia
Entry level Mid level Senior level Executive level
Age Range
Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female Male Female
18-24 49 101 16 7 - - - -
25-34 79 134 112 119 6 4 1 3
35-44 39 25 115 99 26 11 8 3
45-54 14 1 113 100 29 18 10 3
>55 - - 10 1 4 12 4 3
Selain demografi karyawan seperti di atas, Bank In addition to the employee demographics described
memiliki pekerja bukan karyawan, yaitu mereka yang above, the Bank also engages non-employee workers,
bekerja untuk Bank, tetapi tidak dalam hubungan namely individuals who work for the Bank but are not
kerja secara langsung dengan Bank, yaitu tenaga alih in a direct employment relationship with the Bank,
daya dan tenaga magang/relawan, sebagaimana tabel including outsourced personnel and interns/volunteers,
berikut: as presented in the following table:
Tabel Komposisi Pekerja Bukan Karyawan
Table of Non-Employee Worker Composition
Status 2025 2024 2023
Tenaga alih daya
313 285 291
Outsourced worker
Tenaga magang/relawan
9 10 12
Interns/volunteers
Jumlah
322 295 303
Total
Jumlah Pegawai Sementara [IDX S-04]
Number of Temporary Employees
2025 2024
Uraian
Description Jumlah Pegawai Persentase (%) Jumlah Pegawai Persentase (%)
Number of Percentage (%) Number of Percentage (%)
Employees Employees
Jumlah Pegawai perusahaan yang
dipegang oleh kontraktor dan/atau
konsultan 322 orang 295 orang
31,05 23,06
Number of Company Personnel employees employees
Provided by Contractors and/or
Consultants
66 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 67
Profil Perusahaan
Company Profile
Pelibatan Pihak Lokal [GRI 2-6] Local Party Engagement [GRI 2-6]
Bank berkomitmen agar keberadaannya memberikan The Bank is committed to ensuring that its presence
manfaat sebesar-besarnya bagi masyarakat, provides the greatest possible benefit to the
khususnya dalam mendukung pertumbuhan ekonomi. community, particularly in supporting economic
Sebagai wujud komitmen tersebut, Bank membuka growth. As a manifestation of this commitment, the
kesempatan bagi warga lokal untuk bergabung sebagai Bank provides opportunities for local residents to
pegawai melalui proses rekrutmen yang transparan join as employees through a transparent recruitment
dan berbasis pemenuhan kualifikasi yang ditetapkan. process based on the fulfillment of established
Dalam laporan ini, warga lokal didefinisikan sebagai qualifications. In this report, local residents are defined
individu yang berdomisili dan memiliki Kartu Tanda as individuals who reside and hold an identity card in
Penduduk pada provinsi yang sama dengan lokasi the same province as the Bank’s operational location.
operasional Bank. Berdasarkan kriteria tersebut, hingga Based on these criteria, as of December 31, 2025, the
31 Desember 2025, jumlah pegawai warga lokal tercatat number of local employees amounted to 662 persons,
sebanyak 662 orang, berkurang dibandingkan tahun representing an decrease compared to 2024, when
2024 yang mencapai 789 orang. [GRI 3-3, 202-2] the number reached 789 persons. [GRI 3-3, 202-2]
Sejalan dengan kebijakan perekrutan warga lokal, In line with its policy on recruiting local residents, the
Bank juga berkomitmen untuk menjalin kerja sama Bank is also committed to establishing cooperation
dengan pemasok lokal guna memenuhi kebutuhan with local suppliers to fulfill its operational goods and
barang dan jasa operasional. Kerja sama dalam rantai services requirements. Cooperation within the supply
pasokan menjadi penting mengingat Bank tidak chain is essential, as the Bank is unable to meet all
dapat memenuhi seluruh kebutuhan tersebut secara such needs independently. Local suppliers are defined
mandiri. Pemasok lokal didefinisikan sebagai pihak as parties that conduct business and are domiciled
yang menjalankan usaha dan berdomisili di Indonesia, in Indonesia, including Micro, Small, and Medium
termasuk di dalamnya pelaku Usaha Mikro, Kecil, Enterprises (MSMEs). In the event that local suppliers
dan Menengah (UMKM). Dalam hal pemasok lokal are unable to meet certain requirements or based
belum mampu memenuhi kebutuhan tertentu atau on specific considerations, the Bank may cooperate
berdasarkan pertimbangan khusus, Bank dapat bekerja with foreign or overseas suppliers, namely suppliers
sama dengan pemasok luar negeri atau asing, yaitu that conduct business and are domiciled outside
pemasok yang menjalankan usaha dan berdomisili di Indonesia. [GRI 3-3]
luar Indonesia. [GRI 3-3]
Dukungan rantai pasokan diperlukan untuk memastikan Supply chain support is required to ensure the
ketersediaan berbagai barang dan jasa antara lain availability of various goods and services, including
jasa kontraktor, konsultan perencana dan pengawas, contractor services, planning and supervisory
jasa appraisal, konsultan lainnya, jasa ekspedisi dan consultants, appraisal services, other consulting
pengiriman surat, jasa keamanan, jasa kebersihan, services, expedition and mail delivery services,
serta layanan kearsipan dan dokumentasi. Secara security services, cleaning services, as well as
prinsip, Bank menerapkan praktik bisnis yang inklusif archiving and documentation services. In principle, the
dengan memberikan kesempatan yang setara kepada Bank applies inclusive business practices by providing
seluruh mitra pemasok sepanjang memenuhi standar equal opportunities to all supplier partners, provided
dan kriteria yang ditetapkan, termasuk kualitas, harga, that they meet the established standards and criteria,
aspek keamanan, serta ketepatan waktu pengiriman including quality, pricing, safety aspects, and timeliness
atau penyelesaian pekerjaan. [GRI 3-3] of delivery or completion of work. [GRI 3-3]
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Untuk memperkuat prinsip transparansi, efisiensi, To strengthen the principles of transparency, efficiency,
dan efektivitas, sekaligus mengurangi penggunaan and effectiveness, while also reducing paper usage,
kertas, Bank melaksanakan pengadaan barang dan the Bank conducts the procurement of goods and
jasa melalui sistem e-Procurement. Setiap calon mitra services through an e-Procurement system. Each
pemasok diwajibkan melalui proses verifikasi yang prospective supplier partner is required to undergo
mencakup kelengkapan administrasi, rekam jejak, serta a verification process that includes administrative
nilai tambah yang dapat diberikan kepada Bank. Selain completeness, track record, and the added value that
itu, Bank secara berkala melakukan evaluasi terhadap can be provided to the Bank. In addition, the Bank
kinerja mitra pemasok sebagai dasar penentuan periodically evaluates the performance of supplier
keberlanjutan kerja sama pada periode selanjutnya. partners as a basis for determining the continuation of
[GRI 3-3] cooperation in subsequent periods. [GRI 3-3]
Tabel Pemasok Barang dan Jasa serta Nilai Kontrak Tahun 2023-2025
Table of Goods and Services Suppliers and Contract Values for 2023–2025
Jumlah Pemasok Nilai Kontrak (Rp Juta)
Mitra Pemasok Number of Suppliers Contract Value (Rp Million)
Supplier Partners
2025 2024 2023 2025 2024 2023
Luar Negeri/Asing
- - - - - -
Foreign Suppliers
Pemasok Lokal
500 445 516 240.389 166.211 158.792
Local Suppliers
Jumlah
500 445 516 240.389 166.211 158.792
Total
Sesuai dengan tabel di atas, seluruh mitra pemasok As shown in the table above, all of the Bank’s supplier
Bank (100%) pada tahun pelaporan merupakan partners (100%) during the reporting year were
pemasok lokal, konsisten dengan capaian pada local suppliers, consistent with the achievement
tahun sebelumnya. Selain mendorong pemberdayaan in the previous year. In addition to promoting the
pemasok di dalam negeri, kerja sama dengan pemasok empowerment of domestic suppliers, cooperation
lokal juga mendukung upaya Bank dalam menurunkan with local suppliers also supports the Bank’s efforts to
jejak karbon melalui pengurangan kebutuhan reduce its carbon footprint by minimizing the need for
transportasi jarak jauh, sehingga pelaksanaan long-distance transportation, thereby ensuring that
pengadaan barang dan jasa memberikan dampak the procurement of goods and services generates
positif bagi lingkungan. positive environmental impacts.
68 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Profil Perusahaan
Company Profile
Perubahan Signifikan pada Organisasi dan
Rantai Pasokan [GRI 2-6][OJK C.6]
Significant Changes in the Organization and Supply Chain [GRI 2-6]
[OJK C.6]
Dalam rangka meningkatkan layanan bagi nasabah In order to enhance services for customers, particularly
terutama dalam melakukan transaksi, maka sepanjang in conducting transactions, throughout 2025 the Bank
tahun 2025 Bank telah melakukan pembukaan jaringan opened new ATM networks at 1 (one) locations:
ATM baru di 1 (satu) titik lokasi:
1. ATM Off Premises Discovery Hotel SCBD 1. ATM Off Premises Discovery Hotel SCBD
Tanggal Buka: 5 Desember 2025 Opening Date: December 5, 2025
Lobby Hotel Discovery SCBD Discovery Hotel SCBD Lobby
SCBD Lot 11, Jl. Jend. Sudirman Kav 52-53, Senayan, SCBD Lot 11, Jl. Jend. Sudirman Kav. 52-53, Senayan,
Kebayoran Baru, Jakarta Selatan 12190 Kebayoran Baru, South Jakarta 12190
Sepanjang tahun 2025 Bank telah melakukan Throughout 2025, the Bank closed ATM networks at 5
penutupan jaringan ATM di 5 (lima) titik lokasi: (five) locations:
1. ATM Off Premises Brastagi Tiara Supermarket 1. ATM Off Premises Brastagi Tiara Supermarket
Tanggal Tutup: 14 April 2025 Closing Date: April 14, 2025
Jl. Cut Mutia No. 1 Madras Hulu Medan Polonia, Jl. Cut Mutia No. 1, Madras Hulu, Medan Polonia,
Medan Sumatra Utara-20152 Medan, North Sumatra 20152
2. ATM On Premises Cabang Bitung 2. ATM On Premises Bitung Branch
Tanggal Tutup 28 Maret 2025 Closing Date: March 28, 2025
Jl. Ir Soekarno No. 78 Bitung Timur Bitung, Jl. Ir. Soekarno No. 78, Bitung Timur Bitung,
Sulawesi Utara 95522 North Sulawesi 95522
3. ATM On Premises Mangga Dua Pasar Pagi 3. ATM On Premises Mangga Dua Pasar Pagi
Tanggal Tutup: 28 Mei 2025 Closing Date: May 28, 2025
Gedung Pusat Grosir Pasar Pagi Mangga Dua Gedung Pusat Grosir Pasar Pagi Mangga Dua,
Lt. 3 Blok D No. 1A 3rd Floor, Blok D No. 1A
Jl. Arteri Mangga Dua Raya Jakarta Utara 14430 Jl. Arteri Mangga Dua Raya, North Jakarta 14430
4. ATM On Premises Subang Cibogo (2 Unit ATM) 4. ATM On Premises Subang Cibogo (2 ATM units)
Tanggal Tutup: 30 Juni 2025 Closing Date: June 30, 2025
Perumahan Subang Green City, Ruko Entrance No. 1-2 Subang Green City Housing Complex,
Jl. Raya Cinangsi Cibogo, Subang Jawa Barat 41285 Entrance Shophouse No. 1-2
Jl. Raya Cinangsi, Cibogo, Subang, West Java 41285
5. ATM Off Premises Metro Penthouse Bandung 5. ATM Off Premises Metro Penthouse Bandung
Tanggal Tutup: 25 Oktober 2025 Closing Date: October 25, 2025
Jl. Soekarno Hatta No. 638 Sekejati, Buah Batu, Jl. Soekarno Hatta No. 638, Sekejati, Buah Batu,
Bandung Jawa Barat 40286 Bandung, West Java 40286
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Sepanjang tahun 2025 Bank telah melakukan Relokasi Throughout 2025, the Bank also relocated its ATM
jaringan ATM di 1 (satu) titik lokasi: network at 1 (one) location:
1. ATM Off Premises MOI-City Home 1. ATM Off Premises MOI – City Home
Mall of Indonesia, Jakarta Utara DKI Jakarta 14240 Mall of Indonesia, North Jakarta, DKI Jakarta 14240
Relokasi ke: Relocated to:
ATM Off Premises Gd Estate Management Gedung ATM Off Premises Estate Management Building
Estate Management Estate Management Building,
Jl. Pantai Indah Kapuk No 1 PIK Jakarta Tanggal Jl. Pantai Indah Kapuk No. 1, PIK, Jakarta
Relokasi: 29 Oktober 2025 Relocation Date: October 29, 2025
Sementara itu, pada rantai pasokan terjadi perubahan Meanwhile, within the supply chain, there was a
dengan adanya penambahan jumlah pemasok barang change marked by an increase in the number of goods
dan jasa yaitu dari 445 pemasok pada tahun 2024 and services suppliers from 445 suppliers in 2024 to
menjadi 500 pemasok pada tahun 2025, atau naik 500 suppliers in 2025, representing an increase of
sebesar 12,36%. Perubahan tersebut diikuti dengan 12.36%. This change was accompanied by an increase
kenaikan nilai kontrak dari Rp166.211 juta pada tahun in total contract value from IDR166,211 million in 2024
2024 menjadi Rp240.389 juta pada tahun 2025. to IDR240,389 million in 2025. The increase in contract
Bertambahnya nilai kontrak memengaruhi upaya value contributed to the achievement of the Bank’s
pencapaian target dan kinerja Bank tahun 2025. 2025 performance targets and overall performance.
Inisiatif Eksternal External Initiatives
Bank senantiasa menjunjung tinggi standar mutu dan The Bank consistently upholds high standards of quality
kualitas layanan dengan menyediakan produk dan and service excellence by providing competitive
jasa yang kompetitif serta sesuai dengan ketentuan products and services in compliance with applicable
peraturan perundang-undangan yang berlaku. Untuk laws and regulations. To strengthen this commitment,
memperkuat komitmen tersebut, Bank mengadopsi the Bank adopts and supports various principles
dan mendukung berbagai prinsip serta inisiatif yang and initiatives developed by external organizations
dikembangkan oleh organisasi atau lembaga eksternal, or institutions, both in the form of certifications and
baik dalam bentuk sertifikasi maupun penerapan the application of standards in specific areas that are
standar pada bidang-bidang tertentu yang diakui recognized nationally and internationally.
secara nasional dan internasional.
Berkaitan dengan komitmen tersebut, Bank telah In line with this commitment, the Bank has implemented
melaksanakan konsep keuangan berkelanjutan the concept of Sustainable Finance (SF), and has been
(Sustainable Finance/SF) sehingga terpilih sebagai selected as one of the First Movers on Sustainable
salah satu First Movers Sustainable Banking oleh Banking by the Financial Services Authority. As part
Otoritas Jasa Keuangan (OJK). Sebagai bentuk of its communication with stakeholders regarding
komunikasi dengan pemangku kepentingan terkait sustainability performance, the Bank has adopted
kinerja keberlanjutan, Bank mengadopsi pedoman the GRI Standards, the Sustainability Accounting
Standar GRI, Sustainability Accounting Standards Standards Board (SASB) framework, the Financial
Board (SASB), Peraturan Otoritas Jasa Keuangan Services Authority Regulation No. 51/POJK.03/2017 on
(POJK) 51/POJK.03/2017 tentang Penerapan Keuangan the Implementation of Sustainable Finance for Financial
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, Services Institutions, Issuers, and Public Companies,
dan Perusahaan Publik, serta Pedoman Teknis bagi as well as the Technical Guidelines for Banks related to
Bank Terkait Implementasi POJK 51/POJK.03/2017. the implementation of POJK 51/POJK.03/2017.
70 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Profil Perusahaan
Company Profile
Penerapan berbagai sertifikasi dan standar tersebut The implementation of these certifications and
telah menghasilkan pengakuan eksternal berupa standards has resulted in external recognition in the
sejumlah apresiasi dan penghargaan. Daftar sertifikasi form of various acknowledgements and awards. A list
dan standar yang masih berlaku pada tahun 2025, of certifications and standards that remain valid in
serta penghargaan yang diterima Bank, disajikan dalam 2025, as well as the awards received by the Bank, is
tabel berikut: presented in the following table:
Penghargaan dan Sertifikasi Awards and Certifications
Best Acquiring Platinum Awards
Digital Payment Best Acquiring Bank
(All Features)
Bank Artha Graha Internasional meraih penghargaan Bank Artha Graha Internasional received the PRIMA
PRIMA Awards 2025 yang diadakan Infobank di Awards 2025, organized by Infobank and held in Bali
Bali pada Oktober 2025, memenangkan kategori in October 2025, winning the Platinum Awards – Best
Platinum Awards – Best Acquiring Bank (All Features) Acquiring Bank (All Features) and Best Acquiring
dan Best Acquiring Digital Payment, sebagai bagian Digital Payment categories, as part of an appreciation
dari apresiasi untuk kinerja transaksi digital terbaik for the best digital transaction performance in the
di Jaringan PRIMA periode Juli 2024–Juni 2025. PRIMA Network for the period from July 2024 to
Penghargaan ini mencerminkan kontribusi Bank Artha June 2025. This award reflects the contribution of
Graha Internasional dalam mendukung sinergi dan Bank Artha Graha Internasional in supporting synergy
peningkatan kualitas transaksi di jaringan PRIMA. and improving transaction quality within the PRIMA
network.
Detail Penghargaan Award Details
• Nama Acara: PRIMA Awards 2025. • Event Name: PRIMA Awards 2025
• Waktu & Tempat: Kamis, 23 Oktober 2025, di The • Time & Venue: Thursday, October 23, 2025, at The
Mulia Resort, Nusa Dua, Bali. Mulia Resort, Nusa Dua, Bali
• Penyelenggara: RINTIS bersama Biro Riset Infobank. • Organizer: RINTIS in collaboration with Infobank
Research Bureau
• Dasar Penilaian: Riset “The Best Digital Transaction • Basis of Assessment: “The Best Digital Transaction
2025” dengan data transaksi periode Juli 2024 – 2025” research using transaction data for the
Juni 2025. period July 2024 – June 2025
Kategori yang Diraih Bank Artha Graha International: Awards Received by Bank Artha Graha International:
• Platinum Awards – Best Acquiring Bank (All • Platinum Awards – Best Acquiring Bank (All
Features). Features)
• Best Acquiring Digital Payment. • Best Acquiring Digital Payment
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Lembaga yang Memberikan
Bureau Veritas
Certified by
Mulai Berlaku
16 April 2025
Validity Period
Masa Berlaku 28 Mei 2025
Validity Period May 28, 2025
Sesuai dengan ketentuan dari ISO27001, di mana In accordance with the provisions of ISO 27001,
semua lembaga pemilik Sertifikasi ISO27001 wajib which require all ISO 27001–certified organizations to
melakukan audit surveillance setiap tahun, maka di undergo an annual surveillance audit, a surveillance
tahun 2025 telah dilakukan audit surveillance dan audit was conducted in 2025 along with an upgrade
upgrading ISO27001:2013 menjadi ISO27001:2022 oleh from ISO 27001:2013 to ISO 27001:2022. The audit
Bureau Veritas sebagai otoritas yang mengeluarkan and certification upgrade were carried out by Bureau
sertifikat ISO 27001:2022 Sistem Manajemen Keamanan Veritas as the certification body that issued the ISO
Informasi Pada Pengelolaan Infrastruktur Core Banking 27001:2022 Information Security Management System
pada tanggal 16 April 2025. certification for the management of Core Banking
infrastructure on April 16, 2025.
Audit surveillance ini untuk melakukan verifikasi dan This surveillance audit was conducted to verify and
validasi bahwa semua proses kerja yang di lakukan validate that all work processes continue to comply
masih sesuai dengan Kebijakan Prosedur yang sesuai with the established policies and procedures in
dengan ketentuan ISO27001. accordance with the requirements of ISO 27001.
Keanggotaan Asosiasi [GRI 2-28] Association Memberships [GRI 2-28]
Bank berpartisipasi dalam berbagai asosiasi dan The Bank participates in various associations and
organisasi yang memiliki kesamaan bidang usaha, organizations that share similar lines of business,
khususnya di sektor perbankan. Keikutsertaan tersebut particularly within the banking sector. Such
memungkinkan Bank untuk mengikuti perkembangan participation enables the Bank to stay informed of
isu dan topik terkini di industri, sekaligus berperan the latest developments, issues, and topics in the
aktif dalam menyampaikan pandangan dan masukan industry, while also playing an active role in conveying
terhadap berbagai isu strategis yang relevan. Adapun perspectives and providing input on relevant strategic
asosiasi dan organisasi yang diikuti Bank sepanjang issues. The associations and organizations in which
tahun 2025 adalah sebagai berikut: the Bank participated throughout 2025 are as follows:
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Profil Perusahaan
Company Profile
LAPS SJK (Lembaga Alternatif
Penyelesaian Sengketa Sektor
ICSA AEI (Asosiasi Emiten Indonesia) Jasa Keuangan)
(Indonesia Corporate Secretary (Indonesian Public Listed (Financial Services Sector
Association) Companies Association) Alternative Dispute Resolution
Institution)
Anggota Member Anggota Member Anggota Member
FKDKP (Forum Komunikasi ASPI (Asosiasi Sistem
PERBANAS (Perhimpunan Bank
Direktur Kepatuhan Perbankan) Pembayaran Indonesia)
Nasional)
(Banking Compliance Director (Indonesian Payment System
(National Bank Association)
Communication Forum) Association)
Anggota Member Anggota Member Anggota Member
FKDKOP
IASC
(Forum Komunikasi Direktur
(Indonesia Anti-Scam Centre)
Operasional Perbankan)
Anggota Member Anggota Member
Selain keikutsertaan dalam asosiasi tersebut, Bank In addition to its participation in these associations,
juga menjalin kerja sama dengan sejumlah lembaga the Bank also cooperates with several independent
independen antara lain WWF Indonesia, International institutions, including WWF Indonesia, the
Finance Corporation (IFC), USAID, dan Lembaga International Finance Corporation (IFC), USAID,
Pengembangan Perbankan Indonesia (LPPI), dengan and the Indonesian Banking Development Institute
tujuan meningkatkan kompetensi serta memperluas (Lembaga Pengembangan Perbankan Indonesia/LPPI),
pengetahuan Bank dalam penerapan keuangan with the aim of enhancing the Bank’s capabilities and
berkelanjutan. broadening its knowledge in the implementation of
sustainable finance.
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Tata Kelola Keberlanjutan Sustainable Governance
Page 75
06
Page 76
Tata Kelola Keberlanjutan
Sustainability Governance
Komitmen Penerapan Tata Kelola Commitment to Governance
Implementation
Penerapan tata kelola perusahaan yang baik (Good The implementation of Good Corporate Governance
Corporate Governance/GCG) menjadi landasan (GCG) serves as the primary foundation for the
utama Bank dalam menjalankan operasional serta Bank in conducting its operations and decision-
proses pengambilan keputusan. Dalam menjalankan making processes. In carrying out its sustainability
komitmen keberlanjutan, Bank mengintegrasikan commitment, the Bank integrates Environmental, Social,
aspek Environmental, Social, and Governance (ESG) and Governance (ESG) aspects comprehensively into
ke dalam strategi bisnis secara menyeluruh. Langkah its business strategy. This step is intended to create
ini diarahkan untuk mewujudkan keseimbangan antara a balance between economic growth, improvement of
pertumbuhan ekonomi, peningkatan kesejahteraan social welfare, and environmental preservation. Through
sosial, dan pelestarian lingkungan hidup. Melalui the implementation of transparency, accountability,
penerapan prinsip transparansi, akuntabilitas, serta and business ethics in every policy and action, the
etika bisnis dalam setiap kebijakan dan tindakan, Bank Bank continues to build a professional, resilient
terus membangun institusi keuangan yang profesional, financial institution that is trusted by all stakeholders.
tangguh, dan dipercaya oleh seluruh pemangku
kepentingan.
Komitmen tersebut diwujudkan Bank melalui The Bank realizes this commitment by strengthening
penguatan berbagai kebijakan yang mendorong various policies that encourage efficient use of
efisiensi penggunaan sumber daya, perlindungan hak resources, protection of labor rights, and the
tenaga kerja, serta pengembangan inovasi berbasis development of technology-based environmentally
teknologi ramah lingkungan. Selain itu, Bank menjalin friendly innovations. In addition, the Bank actively
kolaborasi aktif dengan regulator, mitra usaha, dan collaborates with regulators, business partners,
masyarakat guna memastikan setiap kebijakan dan and the community to ensure that every policy and
inisiatif memberikan dampak positif yang berkelanjutan. initiative delivers sustainable positive impacts. By
Dengan melakukan evaluasi serta penyempurnaan tata conducting periodic evaluations and improvements to
kelola secara berkala, Bank menjaga kemampuannya its governance practices, the Bank maintains its ability
untuk adaptif terhadap dinamika global, menciptakan to adapt to global dynamics, create long-term value,
nilai jangka panjang, serta menjalankan kegiatan usaha and conduct business activities responsibly and with
yang bertanggung jawab dan berdaya saing tinggi. strong competitiveness.
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Tata Kelola Keberlanjutan
Sustainable Governance
Prinsip Tata Kelola Perusahaan Principles of Corporate Governance
Dalam memperkuat praktik governansi korporat, In strengthening its corporate governance practices,
Bank mengacu pada pembaruan yang dilakukan oleh the Bank refers to the updates introduced by the
Komite Nasional Kebijakan Governance (KNKG) melalui National Committee on Governance Policy (KNKG)
penerbitan Pedoman Umum Governansi Korporat through the issuance of the Indonesian Corporate
Indonesia (PUG-KI). Prinsip-prinsip yang terkandung Governance General Guidelines (PUG-KI). The
di dalamnya berlandaskan empat pilar utama, yaitu principles contained in these guidelines are based
Perilaku Beretika, Akuntabilitas, Transparansi, dan on 4 (four) main pillars, namely Ethical Conduct,
Keberlanjutan. Keempat pilar tersebut pertama Accountability, Transparency, and Sustainability. These
kali diperkenalkan dalam PUG-KI 2021 sebagai four pillars were first introduced in PUG-KI 2021 as a
pengembangan dari nilai dasar TARIF (Transparansi, development of the core TARIF values (Transparency,
Akuntabilitas, Responsibilitas, Independensi, dan Accountability, Responsibility, Independence, and
Fairness) yang sebelumnya digunakan dalam PUG-KI Fairness) previously adopted in PUG-KI 2019. The
2019. Adapun penjabaran lengkap mengenai empat detailed description of the four fundamental principles
prinsip dasar dalam PUG-KI 2021 adalah sebagai in PUG-KI 2021 is as follows:
berikut:
Perilaku Dalam melaksanakan kegiatannya, Bank senantiasa mengedepankan kejujuran, memperlakukan semua
Beretika pihak dengan hormat (respect), memenuhi komitmen, membangun serta menjaga nilai-nilai moral dan
kepercayaan secara konsisten. Bank memperhatikan kepentingan Pemegang Saham dan pemangku
kepentingan lainnya berdasarkan asas kewajaran dan kesetaraan (fairness) dan dikelola secara independen
sehingga masing-masing organ Bank tidak saling mendominasi dan tidak dapat diintervensi oleh pihak lain.
Ethical Conduct In carrying out its activities, the Bank consistently upholds honesty, treats all parties with respect, fulfills
its commitments, and continuously builds and maintains moral values and trust. The Bank gives due
consideration to the interests of Shareholders and other stakeholders based on the principles of fairness
and equality and is managed independently so that each organ of the Bank does not dominate one another
and cannot be intervened in by other parties.
Akuntabilitas Bank memiliki kebijakan terkait tugas dan tanggung jawab yang jelas dari setiap organ dan karyawan yang
diselaraskan dengan Visi, Misi, Nilai-Nilai Perusahaan (corporate values), dan strategi Bank. Guna memastikan
berjalannya prinsip ini, Bank juga melaksanakan pengawasan internal melalui sistem pengendalian internal
yang efektif melalui 3 (tiga) tahapan pengendalian (tahap pengendalian: lini pertama, lini kedua, dan lini
ketiga).
Accountability The Bank has policies governing the clear duties and responsibilities of each organ and employee, aligned
with the Bank’s Vision, Mission, Corporate Values, and strategy. To ensure the effective implementation
of this principle, the Bank also carries out internal oversight through an effective internal control system
based on three (3) lines of control (first line, second line, and third line).
Transparansi Bank mengungkapkan informasi terkait kinerja dan kegiatan pengelolaan perusahaan secara tepat waktu,
jelas, akurat, dan dapat dipertanggungjawabkan, serta mudah diakses oleh Pemangku Kepentingan sesuai
dengan haknya.
Transparency The Bank discloses information related to the Company’s performance and management activities in a
timely, clear, accurate, and accountable manner, and ensures that such information is easily accessible to
stakeholders in accordance with their rights.
Keberlanjutan Bank mematuhi peraturan perundang-undangan serta berkomitmen melaksanakan tanggung jawab
terhadap masyarakat dan lingkungan agar berkontribusi pada pembangunan berkelanjutan melalui
kerjasama dengan semua pemangku kepentingan terkait untuk meningkatkan kehidupan mereka dengan
cara yang selaras dengan kepentingan bisnis dan agenda pembangunan berkelanjutan.
Sustainability The Bank complies with prevailing laws and regulations and is committed to carrying out its responsibilities
toward society and the environment in order to contribute to sustainable development. This commitment
is implemented through collaboration with all relevant stakeholders to improve their quality of life in a
manner that is aligned with the Bank’s business interests and the sustainable development agenda.
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Page 78
Struktur Tata Kelola Perusahaan [GRI 2-9] Corporate Governance Structure [GRI 2-9]
Sebagai wujud komitmen terhadap tata kelola yang As part of its commitment to effective governance, the
efektif, Bank menerapkan struktur organisasi yang Bank implements an organizational structure designed
dirancang untuk menjamin efektivitas pengambilan to ensure effective decision-making, transparency,
keputusan, transparansi, serta akuntabilitas di and accountability across all levels of the organization.
seluruh jenjang organisasi. Struktur ini mencerminkan This structure reflects the Bank’s commitment to
kesungguhan Bank dalam menjalankan kegiatan usaha conducting its business activities professionally,
secara profesional, bertanggung jawab, serta selaras responsibly, and in alignment with regulatory
dengan regulasi dan prinsip keberlanjutan. requirements and sustainability principles.
Landasan hukum yang digunakan merujuk pada The legal foundation refers to Law of the Republic of
Undang-Undang Republik Indonesia No. 40 Tahun 2007 Indonesia No. 40 of 2007 concerning Limited Liability
tentang Perseroan Terbatas beserta perubahannya, Companies and its amendments, including Law No.
termasuk Undang-Undang No. 11 Tahun 2020 tentang 11 of 2020 concerning Job Creation and Law No. 6
Cipta Kerja dan Undang-Undang No. 6 Tahun 2023 of 2023 concerning the Stipulation of Government
tentang Penetapan Peraturan Pemerintah Pengganti Regulation in Lieu of Law No. 2 of 2022 on Job Creation
Undang-Undang No. 2 Tahun 2022 tentang Cipta Kerja as Law. These regulations stipulate that the corporate
menjadi Undang-Undang. Dalam regulasi tersebut organs consist of the General Meeting of Shareholders
disebutkan bahwa organ Perseroan terdiri atas Rapat (GMS), the Board of Commissioners, and the Board of
Umum Pemegang Saham (RUPS), Dewan Komisaris, dan Directors.
Direksi.
Sesuai Anggaran Dasar, sistem kepengurusan Bank In accordance with the Articles of Association, the
menganut sistem dua badan (two tier system) Bank adopts a two-tier governance system consisting
yakni Dewan Komisaris dan Direksi yang memiliki of the Board of Commissioners and the Board of
kewenangan serta tanggung jawab yang jelas sesuai Directors, each having clearly defined authorities and
fungsi masing-masing sebagaimana diatur dalam responsibilities in accordance with their respective
Anggaran Dasar dan peraturan perundang-undangan. functions as regulated in the Articles of Association
Di lingkungan Bank, Direksi juga berperan sebagai and prevailing laws and regulations. Within the Bank,
eksekutif senior yang dipilih langsung oleh pemegang the Board of Directors also serves as senior executives
saham dan bertanggung jawab penuh atas pengelolaan who are directly appointed by the shareholders and
perusahaan secara keseluruhan. [GRI 2-11] hold full responsibility for the overall management of
the Company. [GRI 2-11]
Untuk memperkuat fungsi pengawasan, Dewan To strengthen the supervisory function, the Board of
Komisaris memperoleh dukungan dari sejumlah komite Commissioners is supported by several independent
independen yang bertugas memberikan rekomendasi committees tasked with providing in-depth
dan evaluasi secara mendalam. Komite tersebut recommendations and evaluations. These committees
meliputi Komite Audit, Komite Pemantau Risiko, serta include the Audit Committee, the Risk Monitoring
Komite Remunerasi dan Nominasi, yang berperan Committee, and the Remuneration and Nomination
dalam memastikan kepatuhan terhadap regulasi serta Committee, which play an important role in ensuring
implementasi tata kelola yang baik. regulatory compliance and the implementation of
good governance practices.
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Tata Kelola Keberlanjutan
Sustainable Governance
Di sisi lain, Direksi didukung oleh berbagai komite Meanwhile, the Board of Directors is supported
strategis yang berfokus pada pengelolaan risiko, by various strategic committees that focus on
perencanaan keuangan, serta pengembangan sumber risk management, financial planning, as well as the
daya manusia dan teknologi. Komite-komite tersebut development of human resources and technology.
adalah Komite Kredit, ALCO (Asset and Liability These committees include the Credit Committee,
Committee), Komite Manajemen Risiko, Komite ALCO (Asset and Liability Committee), Risk
Pengarah Teknologi Informasi, Komite Human Capital, Management Committee, Information Technology
Komite Kebijakan Perkreditan, dan Komite Produk, Steering Committee, Human Capital Committee, Credit
yang bertujuan mengoptimalkan proses pengambilan Policy Committee, and Product Committee, which aim
keputusan dan menjaga efisiensi operasional di seluruh to optimize the decision-making process and maintain
lini bisnis. [GRI 2-9] operational efficiency across all business lines. [GRI 2-9]
Struktur Tata Kelola Perusahaan
Corporate Governance Structure
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Remunerasi dan
Komite Audit Komite Pemantau Risiko
Audit Committee Risk Monitoring Committee
Nominasi
Remuneration and Nomination Committee
Komite Pengarah
Komite Manajemen Komite Human Komite Kebijakan
Komite Kredit Komite ALCO Teknologi Informasi Komite Produk
Credit Committee ALCO Committee
Risiko Capital Perkreditan
Information Technology Product Committee
Risk Management Committee Human Capital Committee Credit Policy Committee
Steering Committee
Infrastruktur:
Infracstructure:
Peraturan Perusahaan, Kode Etik, Kebijakan dan Prosedur Organ Utama Organ Pendukung
Main Organ Supporting Organ
Company Regulations, Code of Conduct, Policies, and Procedures
Rapat Umum Pemegang Saham [IDX G-08] General Meeting of Shareholders [IDX G-08]
Sebagai organ tertinggi dalam struktur tata kelola, As the highest organ within the governance structure,
Rapat Umum Pemegang Saham (RUPS) memegang the General Meeting of Shareholders (GMS) holds
kewenangan strategis dalam menentukan arah strategic authority in determining the Company’s
kebijakan perusahaan. Forum ini menjadi wadah bagi policy direction. This forum serves as a platform for
para pemegang saham untuk menetapkan keputusan shareholders to make key decisions, including the
penting, termasuk persetujuan laporan keuangan, approval of financial statements, dividend distribution,
pembagian dividen, pengangkatan dan pemberhentian appointment and dismissal of members of the Board of
anggota Dewan Komisaris serta Direksi, serta kebijakan Commissioners and the Board of Directors, as well as
strategis lainnya yang berdampak signifikan terhadap other strategic policies that have a significant impact
operasional dan pertumbuhan Bank. on the Bank’s operations and growth.
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Dalam praktiknya, Bank menyelenggarakan dua jenis In practice, the Bank conducts two types of GMS,
RUPS yaitu RUPS Tahunan yang dilaksanakan sekali namely the Annual GMS, which is held once a year to
dalam setahun untuk membahas kinerja keuangan discuss financial and operational performance, and
dan operasional, serta RUPS Luar Biasa yang dapat the Extraordinary GMS, which may be convened at any
diadakan sewaktu-waktu apabila terdapat keputusan time should there be important decisions requiring
penting yang membutuhkan persetujuan pemegang shareholder approval outside the agenda of the Annual
saham di luar agenda RUPS Tahunan. Setiap GMS. Each GMS is conducted in accordance with
pelaksanaan RUPS dilakukan sesuai dengan ketentuan the prevailing laws and regulations while upholding
peraturan perundang-undangan yang berlaku dengan the principles of transparency and fairness, and
menjunjung tinggi prinsip transparansi dan keadilan, ensuring that the decisions taken are aligned with
serta memastikan keputusan yang diambil selaras the interests of shareholders and other stakeholders.
dengan kepentingan pemegang saham dan pemangku Further information regarding the implementation and
kepentingan lainnya. Informasi mengenai pelaksanaan outcomes of the GMS is presented in the Bank’s 2025
dan hasil RUPS selengkapnya disampaikan dalam Annual Report in the Corporate Governance chapter.
Laporan Tahunan Bank Tahun 2025 pada Bab Tata
Kelola Perusahaan.
Dewan Komisaris Board of Commissioners
Peran pengawasan terhadap jalannya operasional Bank The supervisory role over the Bank’s operations is
dijalankan secara efektif oleh Dewan Komisaris sesuai carried out effectively by the Board of Commissioners
dengan prinsip Good Corporate Governance (GCG) in accordance with the principles of Good Corporate
dan ketentuan regulasi yang berlaku. Dalam struktur Governance (GCG) and applicable regulatory
tata kelola perusahaan, Dewan Komisaris bertanggung provisions. Within the corporate governance structure,
jawab memberikan arahan strategis, melakukan the Board of Commissioners is responsible for providing
evaluasi atas kinerja Direksi, serta memastikan bahwa strategic direction, evaluating the performance of the
kebijakan yang diterapkan senantiasa selaras dengan Board of Directors, and ensuring that the policies
kepentingan pemegang saham dan pemangku implemented remain aligned with the interests of
kepentingan lainnya. shareholders and other stakeholders.
Untuk menunjang pelaksanaan fungsi tersebut, Dewan To support the implementation of these functions,
Komisaris didukung sejumlah komite yaitu Komite Audit, the Board of Commissioners is assisted by several
Komite Pemantau Risiko, serta Komite Remunerasi dan committees, namely the Audit Committee, the
Nominasi. Keberadaan komite-komite ini berkontribusi Risk Monitoring Committee, and the Remuneration
dalam meningkatkan efektivitas pengawasan serta and Nomination Committee. The presence of
memperkuat proses mitigasi risiko secara menyeluruh. these committees contributes to enhancing the
effectiveness of supervision and strengthening the
overall risk mitigation process.
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Tata Kelola Keberlanjutan
Sustainable Governance
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the Board of
[GRI 2-12, 2-13] Commissioners [GRI 2-12, 2-13]
Berdasarkan Pedoman Dewan Komisaris, tugas dan Based on the Board of Commissioners Charter,
tanggung jawab Dewan Komisaris adalah sebagai the duties and responsibilities of the Board of
berikut: Commissioners are as follows:
1. Dewan Komisaris bertugas melakukan pengawasan 1. The Board of Commissioners is responsible for
dan bertanggung jawab atas pengawasan terhadap supervising and overseeing the policies of the
kebijakan Direksi, jalannya pengurusan pada Board of Directors, the overall management of
umumnya baik mengenai Perseroan maupun usaha the Company, including the Company’s business
Perseroan dan memberikan nasihat kepada Direksi. activities, and for providing advice to the Board of
Directors.
2. Dalam kondisi tertentu, Dewan Komisaris wajib 2. Under certain circumstances, the Board of
menyelenggarakan RUPS tahunan dan RUPS lainnya Commissioners is required to convene the Annual
sesuai dengan kewenangannya sebagaimana General Meeting of Shareholders (AGMS) and
diatur dalam peraturan perundang-undangan dan other General Meetings of Shareholders (GMS) in
anggaran dasar. accordance with its authority as stipulated in the
prevailing laws and regulations and the Articles of
Association.
3. Dewan Komisaris wajib melaksanakan tugas, 3. The Board of Commissioners must carry out its
wewenang, dan tanggung jawab dengan itikad baik duties, authorities, and responsibilities in good faith
dan dengan prinsip kehati-hatian. and in accordance with the prudential principle.
4. Direksi wajib untuk memberikan penjelasan tentang 4. The Board of Directors is required to provide
segala hal yang berkenaan dengan Perseroan yang explanations regarding all matters related to the
ditanyakan oleh anggota Dewan Komisaris untuk Company when requested by members of the
melaksanakan tugas mereka. Board of Commissioners in order to enable them to
perform their duties.
5. Dalam melakukan pengawasan, Dewan Komisaris 5. In conducting its supervisory function, the Board
wajib mengarahkan, memantau, dan mengevaluasi of Commissioners must direct, monitor, and
pelaksanaan tata kelola, manajemen risiko, dan evaluate the implementation of governance, risk
kepatuhan secara terintegrasi serta kebijakan management, and compliance on an integrated
strategis Bank, sesuai dengan ketentuan peraturan basis, as well as the Bank’s strategic policies, in
perundang-undangan, anggaran dasar, dan/atau accordance with the prevailing laws and regulations,
keputusan RUPS. the Articles of Association, and/or resolutions of
the GMS.
6. Dewan Komisaris menerima dan melaksanakan 6. The Board of Commissioners receives and
kewenangan yang diserahkan dan/atau diberikan exercises the authorities assigned and/or granted
kepada Dewan Komisaris sesuai dengan ketentuan to it in accordance with the prevailing laws and
peraturan perundang-undangan, anggaran dasar, regulations, the Articles of Association, and/or
dan/atau keputusan RUPS. resolutions of the GMS.
7. Dewan Komisaris dapat melaksanakan tugas dan 7. The Board of Commissioners may also carry out
kewenangan pengawasan lain. other supervisory duties and authorities.
8. Dalam melaksanakan pengawasan, Dewan Komisaris 8. In performing its supervisory duties, the Board of
dilarang ikut serta dalam pengambilan keputusan Commissioners is prohibited from participating in
kegiatan operasional Bank, kecuali: decision-making related to the Bank’s operational
activities, except in the following circumstances:
a. Penyediaan dana kepada pihak terkait sesuai a. Provision of funds to related parties in
dengan Peraturan Otoritas Jasa Keuangan accordance with Financial Services Authority
mengenai batas maksimum pemberian regulations concerning the legal lending limit
kredit dan penyediaan dana besar bagi bank and large exposures for commercial banks
umum dan Peraturan Otoritas Jasa Keuangan and Financial Services Authority regulations
mengenai batas maksimum penyaluran dana concerning the maximum distribution of funds
dan penyaluran dana besar bagi bank umum and large exposures for Islamic commercial
syariah. banks.
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b. Hal lain yang ditetapkan dalam Anggaran Dasar b. Other matters stipulated in the Bank’s Articles
Bank atau peraturan ketentuan perundang- of Association or prevailing laws and regulations.
undangan.
9. Pengambilan keputusan kegiatan operasional Bank 9. Any operational decision-making carried out
oleh Dewan Komisaris sebagaimana dimaksud by the Board of Commissioners as referred to in
pada poin 8 (delapan) merupakan bagian dari point 8 (eight) constitutes part of the Board of
tugas pengawasan oleh Dewan Komisaris sehingga Commissioners’ supervisory duties and therefore
tidak meniadakan tanggung jawab Direksi atas does not eliminate the responsibility of the Board
pelaksanaan kepengurusan Bank. of Directors for the management of the Bank.
10. Dewan Komisaris wajib melakukan pengawasan 10. The Board of Commissioners is required to oversee
terhadap tindak lanjut Direksi atas temuan audit the follow-up actions taken by the Board of
atau pemeriksaan dan rekomendasi dari satuan Directors regarding audit findings or examinations
kerja audit intern Bank, auditor ekstern, hasil and recommendations from the Bank’s internal
pengawasan Otoritas Jasa Keuangan, dan/atau hasil audit unit, external auditors, the supervisory
pengawasan otoritas dan lembaga lain. results of the Financial Services Authority, and/
or supervisory results from other authorities and
institutions.
11. Dewan Komisaris wajib melaporkan kepada Otoritas 11. The Board of Commissioners must report to the
Jasa Keuangan paling lama 5 (lima) hari sejak Financial Services Authority within a maximum of 5
ditemukan: (five) days from the discovery of:
a. Pelanggaran ketentuan peraturan perundang- a. Violations of prevailing laws and regulations in
undangan di bidang keuangan, perbankan, dan the financial, banking, and other sectors related
yang terkait dengan kegiatan usaha Bank; dan/ to the Bank’s business activities; and/or
atau
b. Keadaan atau perkiraan keadaan yang dapat b. Conditions or potential conditions that may
membahayakan kelangsungan usaha Bank. endanger the Bank’s business continuity.
12. Dewan Komisaris wajib memiliki pedoman dan 12. The Board of Commissioners must have a charter
tata tertib kerja yang bersifat mengikat bagi setiap and work procedures that are binding on each
anggota Dewan Komisaris. member of the Board of Commissioners.
13. Pedoman dan tata tertib kerja paling sedikit wajib 13. At a minimum, the charter and work procedures
mencantumkan: must include:
a. Tugas, tanggung jawab, dan wewenang Dewan a. Duties, responsibilities, and authorities of the
Komisaris; Board of Commissioners;
b. Pengaturan kewenangan dan prosedur b. Regulations regarding the authority and
keputusan Dewan Komisaris; decision-making procedures of the Board of
Commissioners;
c. Pengaturan etika kerja Dewan Komisaris; c. Regulations concerning the Board of
Commissioners’ code of conduct;
d. Pengaturan rapat Dewan Komisaris; d. Regulations concerning meetings of the Board
of Commissioners;
e. Larangan terhadap Dewan Komisaris; e. Prohibitions applicable to the Board of
Commissioners;
f. Evaluasi terhadap Dewan Komisaris; dan f. Evaluation of the Board of Commissioners; and
g. Pola hubungan kerja Dewan Komisaris dan g. Working relationship patterns between the
Direksi. Board of Commissioners and the Board of
Directors.
14. Dewan Komisaris dengan suara terbanyak, 14. By majority vote, the Board of Commissioners has
setiap waktu berhak memberhentikan untuk the authority at any time to temporarily suspend
sementara seorang atau lebih anggota Direksi one or more members of the Board of Directors
dari jabatannya, apabila anggota Direksi tersebut from their positions if such members act contrary
bertindak bertentangan dengan Anggaran Dasar to the Articles of Association and prevailing laws
dan peraturan perundang-undangan yang berlaku and regulations, harm the objectives and purposes
atau merugikan maksud dan tujuan Perseroan atau of the Company, or neglect their duties.
melalaikan kewajibannya.
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Tata Kelola Keberlanjutan
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15. Pemberhentian sementara itu wajib diberitahukan 15. Such temporary suspension must be notified in
secara tertulis kepada yang bersangkutan, disertai writing to the relevant individual, accompanied by
alasannya. the reasons for the suspension.
16. Dalam jangka waktu 90 (sembilan puluh) hari 16. Within 90 (ninety) days from the date of the
setelah tanggal pemberhentian sementara itu, temporary suspension, the Board of Commissioners
Dewan Komisaris wajib untuk menyelenggarakan must convene a GMS to revoke or confirm the
RUPS untuk mencabut atau menguatkan temporary suspension, while the suspended
pemberhentian sementara tersebut, sedangkan member of the Board of Directors must be given
anggota Direksi yang diberhentikan sementara itu the opportunity to attend the meeting to present
diberi kesempatan untuk hadir guna membela diri. their defense.
Dalam hal RUPS tidak dapat mengambil keputusan If the GMS fails to reach a decision or if the GMS
atau setelah lewatnya jangka waktu 90 (sembilan is not convened within the 90 (ninety) day period,
puluh) hari tersebut RUPS tidak diselenggarakan, the temporary suspension shall become null and
maka perberhentian sementara tersebut menjadi void.
batal.
17. Dewan Komisaris wajib menyediakan waktu untuk 17. The Board of Commissioners must allocate
melaksanakan tugas dan tanggung jawab secara sufficient time to carry out its duties and
optimal sesuai dengan pedoman dan tata tertib responsibilities optimally in accordance with the
kerja. charter and work procedures.
18. Dewan Komisaris wajib menjaga segala data dan 18. The Board of Commissioners must safeguard all
informasi terkait Bank yang disampaikan oleh data and information related to the Bank provided
Direksi, dan sesuai dengan ketentuan peraturan by the Board of Directors, in accordance with the
perundang-undangan. prevailing laws and regulations.
Jumlah, Komposisi, dan Susunan Dewan Number and Composition of the Board of
Komisaris Tahun 2025 Commissioners in 2025
Komposisi Dewan Komisaris per 31 Desember The composition of the Board of Commissioners as of
2025 tetap sama dibandingkan tahun sebelumnya, December 31, 2025 remained unchanged compared
yakni terdiri dari lima orang anggota dengan satu to the previous year, consisting of five members with
orang menjabat sebagai Komisaris Utama. Dari one serving as President Commissioner. Of the total
total lima anggota tersebut, tiga orang merupakan five members, three are Independent Commissioners,
Komisaris Independen atau setara dengan 60% dari representing 60% of the total members of the Board
keseluruhan anggota Dewan Komisaris. Komposisi of Commissioners. This composition complies with the
ini telah memenuhi ketentuan Peraturan OJK No. 33/ requirements of OJK Regulation No. 33/POJK.04/2014
POJK.04/2014 tentang Direksi dan Dewan Komisaris concerning the Board of Directors and Board of
Emiten atau Perusahaan Publik yang mensyaratkan Commissioners of Issuers or Public Companies, which
jumlah Komisaris Independen paling sedikit 30% dari requires that at least 30% of the total members
total anggota Dewan Komisaris. Dengan demikian, of the Board of Commissioners be Independent
susunan dan komposisi Dewan Komisaris hingga akhir Commissioners. Accordingly, the structure and
tahun pelaporan tidak mengalami perubahan. Adapun composition of the Board of Commissioners at the end
rincian lengkap dapat dilihat dalam Laporan Tahunan, of the reporting year remained unchanged. Further
tahun Buku 2025 pada bab Tata Kelola Perusahaan. details can be found in the 2025 Annual Report, under
the Corporate Governance chapter.
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Direksi Board of Directors
Direksi adalah organ Perseroan yang bertugas dan The Board of Directors is a corporate organ responsible
bertanggung jawab secara kolektif untuk melakukan for the collective management of the Bank and the
pengelolaan Bank serta melaksanakan GCG pada implementation of GCG at all levels of the organization.
seluruh tingkatan atau jenjang organisasi. Direksi The Board of Directors holds full responsibility for
bertanggung jawab penuh atas pengurusan Bank untuk managing the Bank in the best interest of and in
kepentingan dan tujuan Bank sesuai dengan ketentuan alignment with the Bank’s objectives, in accordance
Anggaran Dasar. with the provisions of the Articles of Association.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of the Board of
Directors
Berdasarkan ketentuan dalam Pedoman dan Tata Tertib Referring to the Guidelines and Rules of Procedure of
Kerja Direksi, berikut tugas dan tanggung jawab Direksi the Board of Directors, the Board of Directors has the
dalam mengelola Bank: [GRI 2-12] following duties and responsibilities: [GRI 2-12]
1. Direksi bertugas menjalankan dan bertanggung 1. The Board of Directors is responsible for managing
jawab atas pengurusan Bank untuk kepentingan and administering the Bank for the interest of the
Bank sesuai dan dalam mencapai maksud dan Bank in accordance with, and in order to achieve,
tujuan Bank. Tugas pokok Direksi adalah memimpin the aims and objectives of the Bank. The primary
dan mengurus Bank sesuai dengan tujuan Bank, duties of the Board of Directors are to lead and
serta menguasai, memelihara, dan mengurus manage the Bank in accordance with its objectives,
kekayaan Bank. as well as to control, maintain, and manage the
Bank’s assets.
2. Direksi wajib melaksanakan tugas, wewenang, dan 2. The Board of Directors is required to perform its
tanggung jawab dengan itikad baik dan dengan duties, authorities, and responsibilities in good faith
prinsip kehati-hatian. and in accordance with the prudential principle.
3. Dalam menerapkan Tata Kelola yang baik pada 3. In implementing good corporate governance, the
Perseroan, Direksi paling sedikit wajib membentuk: Board of Directors is at least required to establish:
a. satuan kerja audit intern; a. an internal audit work unit;
b. satuan kerja manajemen risiko; b. a risk management work unit; and
c. satuan kerja kepatuhan. c. a compliance work unit.
4. Direksi berwenang mewakili Bank sesuai dengan 4. The Board of Directors is authorized to represent
ketentuan peraturan perundang-undangan, the Bank in accordance with the prevailing laws
anggaran dasar dan keputusan RUPS. and regulations, the articles of association, and
resolutions of the GMS.
5. Setiap anggota Direksi wajib dengan itikad baik 5. Each member of the Board of Directors is required
dan penuh tanggung jawab menjalankan tugas to perform his or her duties and authorities in
dan wewenangnya dengan prinsip kehati-hatian good faith and with full responsibility, applying the
dan dengan mengindahkan peraturan perundang- prudential principle and complying with applicable
undangan yang berlaku. Dalam rangka mendukung laws and regulations. To support the effective
efektivitas pelaksanaan tugas dan tanggung implementation of its duties and responsibilities,
jawabnya, Direksi dapat membentuk komite yang the Board of Directors may establish committees
paling sedikit terdiri atas: consisting at least of:
a. Komite manajemen risiko; a. a risk management committee;
b. Komite kebijakan perkreditan atau pembiayaan; b. a credit or financing policy committee;
c. Komite kredit atau pembiayaan; dan c. a credit or financing committee; and
d. Komite pengarah Teknologi Informasi. d. an information technology steering committee.
dan berkewajiban melakukan evaluasi terhadap The Board of Directors is obliged to evaluate the
kinerja komite tersebut setiap akhir tahun buku performance of such committees at the end of
Bank, serta untuk mendukung pelaksanaan prinsip each financial year of the Bank. In order to support
tata kelola perusahaan yang baik oleh Bank, Direksi the implementation of good corporate governance
berkewajiban membentuk, serta berwenang untuk principles by the Bank, the Board of Directors
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Tata Kelola Keberlanjutan
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mengangkat dan memberhentikan Sekretaris is also obliged to establish, and is authorized to
Perusahaan atau susunan unit kerja Sekretaris appoint and dismiss, the Corporate Secretary
Perusahaan berikut pertanggungjawabnya. or the organizational structure of the Corporate
Secretary unit along with its accountability.
6. Pembagian tugas dan wewenang di antara para 6. The division of duties and authorities among
anggota Direksi ditetapkan oleh Rapat Umum members of the Board of Directors is determined
Pemegang Saham, dan dalam hal Rapat Umum by the General Meeting of Shareholders, and in the
Pemegang Saham tidak menetapkan, pembagian event that the General Meeting of Shareholders
tugas, dan wewenang anggota Direksi ditetapkan does not determine such division, it shall be
berdasarkan keputusan Direksi. determined based on a resolution of the Board of
Directors.
7. Mempertanggungjawabkan pelaksanaan tugas 7. To be accountable for the implementation of its
kepada Pemegang Saham melalui RUPS. duties to the Shareholders through the GMS..
8. Memiliki pedoman dan tata tertib kerja yang bersifat 8. To have guidelines and rules of procedure that are
mengikat bagi setiap anggota Direksi. binding on each member of the Board of Directors.
9. Pedoman dan tata tertib kerja paling sedikit wajib 9. The guidelines and rules of conduct must at
mencantumkan pengorganisasian Perseroan dan least include the Company’s organization and
pembidangan tugas Direksi; tugas, tanggung jawab division of duties of the Board of Directors; the
dan wewenang Direksi; pengaturan kewenangan dan duties, responsibilities, and authority of the Board;
prosedur keputusan Direksi; pengaturan etika kerja decision-making authority and procedures; work
Direksi; pengaturan rapat Direksi; larangan terhadap ethics; Board meetings; prohibitions; performance
Direksi; evaluasi kinerja Direksi; pola hubungan kerja evaluation; and the working relationship
Direksi dan Dewan Komisaris. between the Board of Directors and the Board of
Commissioners.
10. Direksi bertanggung jawab penuh dalam 10. The Board of Directors bears full responsibility in
melaksanakan tugasnya yang ditujukan untuk carrying out its duties for the interest of the Bank
kepentingan Bank dalam mencapai maksud dan in achieving its aims and objectives.
tujuannya.
11. Merumuskan dan bertanggung jawab atas 11. To formulate and be responsible for the
tercapainya visi, misi dan strategi jangka pendek, achievement of the Company’s vision, mission,
menegah dan jangka panjang perusahaan melalui and short-term, medium-term, and long-term
koordinasi kerja dan pemantauan kinerja dan strategies through work coordination as well as
prestasi setiap unit kerja. monitoring the performance and achievements of
each work unit.
12. Merumuskan arah kebijakan dan sasaran bidang 12. To formulate policy directions and targets in the
kepatuhan dan manajemen risiko Bank dalam fields of compliance and risk management of the
memenuhi seluruh peraturan Otoritas Jasa Bank in fulfilling all regulations of the Financial
Keuangan dan peraturan perundang-undangan lain Services Authority and other applicable laws and
yang berlaku dalam rangka prinsip kehati-hatian. regulations in accordance with the prudential
principle.
13. Direksi berhak mewakili Bank didalam dan diluar 13. The Board of Directors has the right to represent
pengadilan tentang segala hal dan dalam segala the Bank in and out of court in all matters and
kejadian, dan berhak mengikat Bank dengan pihak circumstances, and has the right to bind the Bank
lain atau pihak lain dengan Bank serta menjalankan with other parties or other parties with the Bank,
segala tindakan baik yang mengenai pengurusan and to carry out all actions related to management
maupun mengenai pemilikan, akan tetapi dengan and ownership, provided that, specifically for:
ketentuan bahwa khusus:
a. Mendirikan suatu usaha baru atau turut serta a. establishing a new business or participating
pada perusahaan lain baik di dalam maupun di in another company, either domestically or
luar negeri; abroad;
b. Menjual saham milik Bank pada perusahaan lain; b. selling shares owned by the Bank in other
companies;
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c. Membeli, menjual atau dengan cara lain c. purchasing, selling, or otherwise transferring
melepaskan hak atas barang-barang tidak rights to immovable assets or companies; and
bergerak atau perusahaan-perusahaan; dan
d. Menyewakan, menjaminkan atau memberati d. leasing, pledging, or encumbering immovable
barang-barang tidak bergerak milik Bank, assets owned by the Bank, such actions
harus dengan persetujuan Dewan Komisaris, must obtain the approval of the Board of
yang dalam pelaksanaannya terhadap pihak Commissioners. In their implementation
ketiga surat akta yang bersangkutan cukup toward third parties, the relevant letter or deed
ditandatangani oleh Komisaris Utama atau shall be sufficiently signed by the President
Wakil Komisaris Utama bersama-sama dengan Commissioner or Vice President Commissioner
1 (satu) anggota Dewan Komisaris yang ditunjuk jointly with 1 (one) member of the Board of
berdasarkan Keputusan Dewan Komisaris. Commissioners appointed based on a resolution
of the Board of Commissioners.
14. Perbuatan hukum untuk mengalihkan, melepaskan 14. For legal actions to transfer, release rights, or
hak atau menjadikan jaminan utang yang merupakan provide security for debts amounting to more
lebih dari 50% (lima puluh persen) jumlah kekayaan than 50% (fifty percent) of the total net assets
bersih Bank baik dalam satu transaksi yang berdiri of the Bank, whether in a single transaction or in
sendiri ataupun yang berkaitan satu sama lain, several related transactions, the Board of Directors
Direksi harus mendapat persetujuan RUPS yang must obtain approval from the General Meeting
dihadiri atau diwakili para pemegang saham yang of Shareholders attended or represented by
memiliki paling sedikit 3/4 (tiga per empat) bagian shareholders holding at least 3/4 (three quarters)
dari jumlah seluruh saham dengan hak suara hadir of the total shares with voting rights present at the
dalam RUPS, dan keputusan disetujui oleh lebih dari GMS, and the resolution must be approved by more
3/4 (tiga per empat) bagian dari jumlah seluruh than 3/4 (three quarters) of the total shares with
saham dengan hak suara yang hadir dalam RUPS. voting rights present at the GMS.
Apabila dalam RUPS pertama yang dimaksud If the quorum required at the first GMS as referred
tersebut di atas kuorum kehadiran yang ditentukan to above is not achieved, a second GMS with the
tidak tercapai, maka dapat diselenggarakan RUPS same agenda as the first GMS may be convened.
kedua dengan acara yang sama seperti RUPS The second GMS must be attended or represented
pertama. RUPS kedua tersebut harus dihadiri atau by shareholders holding at least 2/3 (two thirds)
diwakili para pemegang saham yang memiliki paling of the total shares with valid voting rights, and the
sedikit 2/3 (dua per tiga) bagian dari jumlah seluruh resolution must be approved by more than 3/4
saham dengan hak suara yang sah, dan keputusan (three quarters) of the total shares with voting
disetujui oleh lebih dari 3/4 (tiga per empat) bagian rights present at the second GMS.
dari jumlah seluruh saham dengan hak suara yang
hadir dalam RUPS kedua.
Jikalau kuorum kehadiran dalam RUPS kedua If the quorum at the second GMS is also not
tersebut juga tidak terpenuhi, maka RUPS ketiga achieved, a third GMS shall be valid and entitled
sah dan berhak mengambil keputusan. Jika dihadiri to adopt resolutions if attended by shareholders
oleh pemegang saham dari saham dengan hak holding shares with valid voting rights in accordance
suara yang sah, dalam kuorum kehadiran yang with the attendance quorum determined by the
ditetapkan oleh OJK, atas permohonan Bank. Financial Services Authority, upon the application
Dalam pemanggilan RUPS ketiga menyebutkan of the Bank. The notice of the third GMS shall state
bahwa RUPS kedua telah diselenggarakan dan tidak that the second GMS has been convened and failed
mencapai kuorum kehadiran. to meet the attendance quorum.
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Tata Kelola Keberlanjutan
Sustainable Governance
15. Untuk menjalankan perbuatan hukum berupa 15. To carry out legal actions in the form of transactions
transaksi yang memuat benturan kepentingan containing conflicts of interest between the
antara kepentingan ekonomis pribadi anggota personal economic interests of members of the
Direksi, Dewan Komisaris atau Pemegang Saham, Board of Directors, the Board of Commissioners,
dengan kepentingan ekonomis Perseroan, Direksi or Shareholders and the economic interests of
memerlukan persetujuan RUPS. the Company, the Board of Directors must obtain
approval from the GMS..
16. Direksi wajib menindaklanjuti temuan audit 16. The Board of Directors is required to follow up on
atau pemeriksaan dan rekomendasi dari Satuan audit or examination findings and recommendations
Kerja Audit Intern (SKAI), auditor ekstern, hasil from the Internal Audit Unit, external auditors,
pengawasan Otoritas Jasa Keuangan dan/atau hasil results of supervision by the Financial Services
pengawasan otoritas lain. Authority, and/or results of supervision by other
authorities.
17. Direksi Wajib mempertanggungjawabkan pelaksanaan 17. The Board of Directors is required to be
tugasnya kepada Pemegang Saham melalui Rapat accountable for the implementation of its duties to
Umum Pemegang Saham. the Shareholders through the GMS.
18. Direksi wajib mengelola Bank sesuai dengan 18. The Board of Directors is required to manage
kewenangan dan tanggung jawab Direksi the Bank in accordance with the authorities
sebagaimana diatur dalam anggaran dasar dan and responsibilities of the Board of Directors
peraturan perundang-undangan. as stipulated in the articles of association and
prevailing laws and regulations.
19. Direksi wajib menerapkan prinsip-prinsip Tata 19. The Board of Directors is required to implement the
Kelola yang baik dalam setiap kegiatan usaha Bank principles of good corporate governance in every
pada seluruh tingkatan atau jenjang organisasi. business activity of the Bank at all levels of the
organization.
20. Direksi wajib mengungkapkan kepada pegawai 20. The Board of Directors is required to disclose to
mengenai kebijakan Bank yang bersifat strategis di employees the Bank’s strategic policies in the field
bidang kepegawaian. of human resources.
21. Direksi dilarang menggunakan penasihat 21. The Board of Directors is prohibited from using
perorangan dan/atau jasa profesional sebagai individual advisers and/or professional services as
konsultan. Penggunaan penasihat perorangan dan/ consultants. The use of individual advisers and/or
atau jasa profesional sebagai konsultan dapat professional services as consultants may be carried
dilakukan dalam hal memenuhi persyaratan: out provided that the following requirements are
met:
a. Untuk proyek bersifat khusus; a. for projects of a special nature;
b. Didasarkan pada kontrak kerja yang jelas; dan b. based on a clear work contract; and
c. Merupakan Pihak Independen dan memiliki c. the adviser or professional service provider is
kualifikasi untuk mengerjakan proyek yang an Independent Party and has the qualifications
bersifat khusus sebagaimana dimaksud dalam to carry out the special project as referred to
huruf a. in letter a.
22. Direksi wajib menyediakan data dan informasi yang 22. The Board of Directors is required to provide
akurat, relevan, dan tepat waktu kepada Dewan accurate, relevant, and timely data and information
Komisaris. to the Board of Commissioners.
23. Direksi wajib memiliki pedoman dan tata tertib kerja 23. The Board of Directors is required to have
yang bersifat mengikat bagi setiap anggota Direksi. guidelines and rules of procedure that are binding
Pedoman dan tata tertib kerja paling sedikit wajib on each member of the Board of Directors. Such
mencantumkan: guidelines and rules of procedure must at least
contain provisions on:
a. Pengorganisasian Perseroan dan pembidangan a. the organization of the Company and the
tugas Direksi; division of duties of the Board of Directors;
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b. Tugas, tanggungjawab dan wewenang Direksi; b. the duties, responsibilities, and authorities of
the Board of Directors;
c. Pengaturan kewenangan dan prosedur c. arrangements regarding authority and decision-
keputusan Direksi; making procedures of the Board of Directors;
d. Pengaturan etika kerja Direksi; d. work ethics of the Board of Directors;
e. Pengaturan rapat Direksi; e. meetings of the Board of Directors;
f. Larangan terhadap Direksi; f. prohibitions applicable to the Board of Directors;
g. Evaluasi kinerja Direksi; dan g. evaluation of the performance of the Board of
Directors; and
h. Pola hubungan kerja Direksi dan Dewan h. the working relationship between the Board of
Komisaris. Directors and the Board of Commissioners.
24. Keputusan Direksi yang diambil sesuai dengan 24. Decisions of the Board of Directors taken in
pedoman dan tata tertib kerja mengikat dan accordance with the guidelines and rules of
menjadi tanggung jawab seluruh anggota Direksi. procedure are binding and constitute the
responsibility of all members of the Board of
Directors.
Jumlah, Komposisi, dan Susunan Direksi Tahun Number and Composition of the Board of
2025 Directors in 2025
Per 31 Desember 2025, jumlah anggota Direksi As of December 31, 2025, the number of members
mengalami perubahan dibandingkan tahun sebelumnya, of the Board of Directors increased compared to the
yaitu menjadi 6 (enam) orang dari sebelumnya sebanyak previous year to 6 (six) members from previously 5
5 (lima) orang dengan satu orang menjabat sebagai (five) members, with one serving as President Director.
Direktur Utama. Susunan tersebut telah memenuhi This structure complies with the provisions of OJK
ketentuan Peraturan OJK No. 33/POJK.04/2014 yang Regulation No. 33/POJK.04/2014, which stipulates that
mengatur bahwa Direksi Emiten atau Perusahaan Publik the Board of Directors of an Issuer or Public Company
paling sedikit terdiri dari dua orang anggota, dengan must consist of at least two members, one of whom
satu di antaranya ditetapkan sebagai Direktur Utama shall be appointed as President Director. With these
atau Presiden Direktur. Dengan terpenuhinya ketentuan requirements fulfilled, the composition of the Board
tersebut, komposisi Direksi dinyatakan sesuai regulasi of Directors is deemed compliant with the regulation
dan tidak mengalami perubahan sepanjang periode and did not undergo any changes during the reporting
pelaporan. Adapun rincian lengkap dapat dilihat dalam period. Further details can be found in the 2025 Annual
Laporan Tahunan, tahun Buku 2025 pada bab Tata Report under the Corporate Governance chapter.
Kelola Perusahaan.
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Tata Kelola Keberlanjutan
Sustainable Governance
Keberagaman Manajemen dan Independensi [IDX G-01]
Management Diversity and Independence [IDX G-01]
Jumlah Pihak
Laki-laki Perempuan Independen
Tipe Manajemen Male Female Number of Independent
Perusahaan Parties
Position
2025 2024 2025 2024 2025 2024
Komisaris
3 3 2 2 3 3
Board of Commissioners
Direksi
3 4 3 1 1 1
Board of Directors
Total kehadiran direksi dan komisaris ke rapat dewan [IDX G-02]
Total Attendance of the Board of Directors and Board of Commissioners at Board Meetings [IDX G-02]
Rata-rata persentase kehadiran
direksi/ komisaris dalam rapat dewan
Jumlah rapat dewan (di tahun pelaporan)
(di tahun pelaporan) Average percentage of attendance
Uraian Number of Board Meetings (during the of the Board of Directors / Board of
Description reporting year) Commissioners at board meetings
(during the reporting year)
2025 2024 2025 2024
Jumlah kehadiran Direksi ke
rapat Gabungan
Number of Attendance of the 12 14 85,71 90%
Board of Directors at Joint
Meetings
Jumlah kehadiran Dewan
Komisaris ke rapat Gabungan
Number of Attendance of the 14 14 66,67 65%
Board of Commissioners at
Joint Meetings
Pencegahan Benturan Kepentingan Conflict of Interest Prevention [IDX G-09]
[IDX G-09]
Sesuai dengan ketentuan regulasi yang berlaku, anggota In accordance with prevailing regulatory provisions,
Direksi, Dewan Komisaris, dan Pejabat Eksekutif dilarang members of the Board of Directors, the Board of
melakukan tindakan yang berpotensi merugikan Commissioners, and Executive Officers are prohibited
atau mengurangi keuntungan Bank. Selain itu, dalam from taking actions that may potentially harm or
setiap proses pengambilan keputusan, mereka wajib reduce the Bank’s profits. In addition, in every decision-
mengungkapkan adanya benturan kepentingan apabila making process, they are required to disclose any
terdapat konflik kepentingan dalam pengelolaan Bank. conflict of interest if such a situation arises in the
Sejalan dengan ketentuan Peraturan Otoritas Jasa management of the Bank. In line with the provisions of
Keuangan No. 17 Tahun 2023, khususnya Bab VI Pasal 80, Financial Services Authority Regulation No. 17 of 2023,
anggota Direksi dan Dewan Komisaris wajib senantiasa: particularly Chapter VI Article 80, members of the
Board of Directors and the Board of Commissioners
are required to consistently:
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1. Mengutamakan kepentingan Perseroan dan tidak 1. Prioritize the interests of the Company and refrain
mengurangi keuangan Perseroan dalam hal terjadi from causing financial losses to the Company in the
benturan kepentingan; event of a conflict of interest;
2. Menghindari diri dari pengambilan keputusan dalam 2. Refrain from participating in decision-making in
situasi dan kondisi adanya benturan kepentingan; situations where a conflict of interest exists;
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose any familial relationships, financial
hubungan keuangan, hubungan kepengurusan, relationships, management relationships, and
hubungan kepemilikan dengan Anggota Komisaris ownership relationships with other members of the
lain dan/atau anggota Direksi dan/atau Pemegang Board of Commissioners and/or members of the
Saham Pengendali Bank dan/atau pihak lainnya Board of Directors and/or the Bank’s Controlling
dalam rangka bisnis Perseroan; dan Shareholders and/or other parties in relation to the
Company’s business; and
4. Melakukan pengungkapan dalam hal pengambilan 4. Provide disclosure in cases where decisions must
keputusan tetap harus diambil pada kondisi adanya still be made despite the existence of a conflict of
benturan kepentingan. interest.
Penanggung Jawab Pelaksanaan Person in Charge of Sustainable Finance
Keuangan Berkelanjutan Implementation
Integrasi prinsip keuangan berkelanjutan ke dalam The integration of sustainable finance principles into
kegiatan usaha menjadi bagian penting dari strategi business activities forms an important part of the Bank’s
Bank dalam mendukung pertumbuhan ekonomi strategy in supporting inclusive economic growth. To
yang inklusif. Untuk memastikan implementasi yang ensure the effective implementation of sustainability
efektif atas strategi dan program keberlanjutan strategies and programs as outlined in the Sustainable
sebagaimana tercantum dalam Rencana Aksi Keuangan Finance Action Plan, the Bank has designated the Risk
Berkelanjutan (RAKB), Bank menetapkan Direktorat Risk Management Directorate as the party responsible
Management sebagai penanggung jawab pelaksanaan for the implementation of sustainable finance. This
keuangan berkelanjutan. Direktorat ini berperan Directorate plays a role in overseeing, designing, and
dalam mengawasi, merancang, serta mengembangkan developing sustainable finance strategies to ensure
strategi keuangan berkelanjutan agar selaras dengan alignment with regulatory requirements and best
regulasi dan praktik terbaik di industri perbankan. practices in the banking industry. [OJK E.1][GRI 2-13, 2-25]
[OJK E.1][GRI 2-13, 2-25]
Adapun tugas dan wewenang Direktorat Risk The duties and authorities of the Risk Management
Management adalah: Directorate are as follows:
1. Mengarahkan seluruh aspek penyelenggaraan 1. Directing all aspects of the implementation of
program keuangan berkelanjutan agar sesuai sustainable finance programs to ensure alignment
dengan target yang akan dicapai; with the established targets;
2. Menetapkan strategi dan implementasi program 2. Establishing strategies and implementing corporate
komunikasi korporat untuk berbagai program communication programs for various sustainable
keuangan berkelanjutan agar reputasi Bank terjaga finance initiatives to ensure the Bank’s reputation
dengan baik; is well maintained;
3. Mengoordinasi, memonitor, dan mengevaluasi 3. Coordinating, monitoring, and evaluating all aspects
seluruh aspek penyelenggaraan program keuangan of the implementation of sustainable finance
berkelanjutan; dan programs; and
4. Koordinasi (internal Bank dan pihak eksternal), 4. Coordinating (both internally within the Bank and
internalisasi, problem solving, integrasi (program with external parties), internalization, problem
kerja, anggaran, dan HC). solving, and integration (work programs, budgeting,
and HC).
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Tata Kelola Keberlanjutan
Sustainable Governance
Pola Kerja Task Force Keuangan Berkelanjutan
Working Mechanism of the Sustainable Finance Task Force
01 02 03
PERENCANAAN PELAKSANAAN MONITORING, EVALUASI, PELAPORAN
PLANNING IMPLEMENTATION MONITORING, ASSESMENT, REPORTING
Peran Direksi dalam Pelaporan Keberlanjutan Role of the Board of Directors in Sustainability
[GRI 2-14] Reporting [GRI 2-14]
Direksi memegang peranan strategis dalam memastikan The Board of Directors plays a strategic role in
pelaksanaan keuangan berkelanjutan berlangsung ensuring that the implementation of sustainable
secara efektif serta selaras dengan ketentuan yang finance is carried out effectively and in alignment with
ditetapkan oleh Otoritas Jasa Keuangan (OJK). Adapun the provisions set by the Financial Services Authority
peran utama Direksi meliputi: (OJK). The main roles of the Board of Directors include:
1. Kepemimpinan dalam Implementasi Keuangan 1. Leadership in the Implementation of Sustainable
Berkelanjutan: Finance:
a. Direksi bertanggung jawab atas perumusan a. The Board of Directors is responsible for
kebijakan strategis, termasuk penyusunan formulating strategic policies, including the
visi dan misi keberlanjutan dalam operasional development of sustainability vision and
perbankan; dan mission within banking operations; and
b. Mengintegrasikan aspek Environmental, Social, b. Integrating Environmental, Social, and
and Governance (ESG) ke dalam kebijakan Governance (ESG) aspects into the Bank’s
bisnis dan strategi pertumbuhan bank. business policies and growth strategies.
2. Pengawasan dan Pengendalian: 2. Supervision and Control:
a. Melakukan pengawasan berkala terhadap a. Conducting periodic supervision of the
pencapaian target keuangan berkelanjutan dan achievement of sustainable finance targets and
memberikan arahan kepada manajemen dalam providing direction to management in adjusting
menyesuaikan strategi jika diperlukan; dan strategies when necessary; and
b. Memastikan bahwa implementasi keberlanjutan b. Ensuring that sustainability implementation
sesuai dengan standar regulasi yang ditetapkan complies with regulatory standards established
oleh OJK dan lembaga terkait lainnya. by OJK and other relevant institutions.
3. Alokasi Sumber Daya dan Pengembangan Kapasitas: 3. Resource Allocation and Capacity Development:
a. Menyediakan dukungan dan alokasi sumber a. Providing adequate support and resource
daya yang memadai untuk pengembangan allocation for the development of green financial
produk keuangan hijau dan peningkatan literasi products and enhancing sustainable finance
keuangan berkelanjutan bagi karyawan serta literacy among employees and customers; and
Nasabah; dan
b. Mendorong inovasi dalam digitalisasi layanan b. Encouraging innovation in the digitalization
perbankan guna mendukung efisiensi dan of banking services to support efficiency and
pengurangan dampak lingkungan. reduce environmental impact.
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4. Kolaborasi dan Kemitraan Strategis: 4. Collaboration and Strategic Partnerships:
a. Membangun kemitraan dengan pemangku a. Establishing partnerships with stakeholders,
kepentingan, termasuk pemerintah, regulator, including the government, regulators, investors,
investor, dan lembaga keuangan lainnya, dalam and other financial institutions, to support
mendukung inisiatif keberlanjutan; dan sustainability initiatives; and
b. Mengembangkan skema pembiayaan hijau, b. Developing green financing schemes, such as
seperti obligasi hijau (green bonds) atau green bonds or incentive programs for business
program insentif bagi sektor usaha yang sectors that implement sustainability principles.
menerapkan prinsip keberlanjutan.
5. Transparansi dan Akuntabilitas: 5. Transparency and Accountability:
a. Direksi memastikan laporan keberlanjutan a. The Board of Directors ensures that sustainability
disusun secara transparan dan dilaporkan reports are prepared transparently and
kepada pemangku kepentingan secara berkala; reported to stakeholders on a regular basis; and
dan
b. Berkomitmen untuk mengembangkan sistem b. Committed to developing reporting systems
pelaporan yang dapat mengukur dampak capable of measuring the impact of sustainable
keuangan berkelanjutan secara akurat dan finance accurately and measurably.
terukur.
Bank senantiasa memperkuat kualitas serta kelengkapan The Bank continuously strengthens the quality and
pengungkapan dalam laporannya agar selaras dengan completeness of disclosures in its reports to ensure
ketentuan penyusunan laporan yang berlaku, yakni alignment with the prevailing reporting regulations,
POJK No. 51/POJK.03/2017 tentang Penerapan Keuangan namely OJK Regulation No. 51/POJK.03/2017 concerning
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan the Implementation of Sustainable Finance for Financial
Perusahaan Publik, serta SEOJK No. 26/SEOJK.03/2020 Services Institutions, Issuers, and Public Companies,
tentang Pelaporan Bank Umum Konvensional melalui as well as OJK Circular Letter No. 26/SEOJK.03/2020
Sistem Pelaporan Otoritas Jasa Keuangan. concerning the Reporting of Conventional Commercial
Banks through the Financial Services Authority Reporting
System.
Pengembangan Kompetensi Terkait Competency Development Related to
Kegiatan Berkelanjutan [OJK E.2] [GRI 2-17] [G-05] Sustainable Activities [OJK E.2] [GRI 2-17] [G-05]
Selama tahun 2025, Dewan Komisaris, Direksi, dan In 2025, the Board of Commissioners, the Board of
Direktorat Risk Management yang bertanggung Directors, and the Risk Management Directorate
jawab atas implementasi keuangan berkelanjutan responsible for the implementation of sustainable
telah mengikuti berbagai program peningkatan finance participated in various competency
kompetensi. Kegiatan tersebut meliputi pelatihan serta development programs. These activities included
pengembangan kompetensi di bidang keuangan dan training and capacity development in the fields of
keberlanjutan guna memperkuat pemahaman terhadap finance and sustainability to strengthen understanding
regulasi, risiko, dan peluang terkait keberlanjutan. of regulations, risks, and opportunities related to
Rincian program peningkatan kompetensi selengkapnya sustainability. The detailed competency development
disampaikan dalam tabel berikut: programs are presented in the following table:
92 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 93
Tata Kelola Keberlanjutan
Sustainable Governance
Tabel Pengembangan Kompetensi Terkait Keberlanjutan Dewan Komisaris, Direksi dan Direktorat Risk
Management Tahun 2025 [IDX G-05]
Table of Competency Development Related to Sustainability for the Board of Commissioners, Board of
Directors, and Risk Management Directorate in 2025 [IDX G-05]
Nama dan Jenis Pendidikan dan Materi Pendidikan Tempat dan
Jabatan Pelatihan Penyelenggara
dan Pelatihan Tanggal
Name and Type of Education and Organizer
Training Material Place and Date
Position Training
Dewan Komisaris
Board of Commissioners
Kiki Syahnakri Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 9-19 Agustus 2025 Gagasan (RMG)
Jenjang 6
Certification Refreshment Risk Management Jakarta,
Certification August 9–19, 2025
Refreshment Level 6
Elizawatie Simon Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 7
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 7
Pesta Uli Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Sitanggang Manajemen Risiko 22 Februari - 3 Maret Gagasan (RMG)
Jenjang 6 2025
Certification Refreshment Risk Management Jakarta,
Certification February 22 – March
Refreshment Level 6 3, 2025
Direksi
Board of Directors
Andy Kasih Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 7
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 7
Christina Harapan Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 7
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 7
Refreshment Sertifikasi Refreshment Jakarta, ACI FMA
Sertifikasi Treasury 13 September 2025
Dealer Jenjang 7
Certification Refreshment Treasury Dealer Jakarta,
Certification September 13, 2025
Refreshment Level 7
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 93
Page 94
Tabel Pengembangan Kompetensi Terkait Keberlanjutan Dewan Komisaris, Direksi dan Direktorat Risk
Management Tahun 2025 [IDX G-05]
Table of Competency Development Related to Sustainability for the Board of Commissioners, Board of
Directors, and Risk Management Directorate in 2025 [IDX G-05]
Nama dan Jenis Pendidikan dan Materi Pendidikan Tempat dan
Jabatan Pelatihan Penyelenggara
dan Pelatihan Tanggal
Name and Type of Education and Organizer
Training Material Place and Date
Position Training
Indrastomo Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Nugroho Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 7
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 7
Handoyo Soedirdja Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 22 Februari - 3 Maret Gagasan (RMG)
Jenjang 7 2025
Certification Refreshment Risk Management Jakarta,
Certification February 22 – March
Refreshment Level 7 3, 2025
Susana* Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 7
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 7
Selvy* Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 5
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 5
Sertifikasi Pembekalan Sertifikasi Jakarta, Maisa Edukasi
Manajemen Risiko 12 Juli 2025, LSPP
Jenjang 7 11 September 2025
Certification Risk Management Jakarta,
Certification July 12, 2025 and
Preparation Level 7 September 11, 2025
94 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 95
Tata Kelola Keberlanjutan
Sustainable Governance
Tabel Pengembangan Kompetensi Terkait Keberlanjutan Dewan Komisaris, Direksi dan Direktorat Risk
Management Tahun 2025 [IDX G-05]
Table of Competency Development Related to Sustainability for the Board of Commissioners, Board of
Directors, and Risk Management Directorate in 2025 [IDX G-05]
Nama dan Jenis Pendidikan dan Materi Pendidikan Tempat dan
Jabatan Pelatihan Penyelenggara
dan Pelatihan Tanggal
Name and Type of Education and Organizer
Training Material Place and Date
Position Training
Direktorat Risk Management
Risk Management Directorate
Rocky S. Laurens Webinar Webinar ESG: Inovasi Jakarta, FKDKP
Produk dan Layanan 25 November 2025
Keuangan Berkelanjutan
Skema Hijau untuk
Menangkap Peluang
Pendanaan dan Investasi
ESG Webinar – Innovation
in Sustainable Financial
Products and Services: Jakarta,
GreenSchemestoCapture November 25, 2025
Financing and Investment
Opportunities
Iwan Dharma Refreshment Sertifikasi Refreshment Sertifikasi Jakarta, Risiko Manajemen
Steven Butar Butar Manajemen Risiko 16-26 April 2025 Gagasan (RMG)
Jenjang 5
Certification Refreshment Risk Management Jakarta,
Certification April 16–26, 2025
Refreshment Level 5
Keterangan | Note
*) Telah lulus uji kelayakan dan kepatutan OJK pada tanggal 8 Januari 2026
*) Has passed fit and proper test conducted by OJK on January 8, 2026
Penilaian Kinerja dan Pemisahan Fungsi Performance Evaluation and Separation of
Dewan Komisaris dan Direksi [IDX G-3, G-04] Functions of the Board of Commissioners
and the Board of Directors [IDX G-3, G-04]
Evaluasi atas kinerja Dewan Komisaris dan Direksi The evaluation of the performance of the Board
dilakukan secara berkala oleh pemegang saham of Commissioners and the Board of Directors is
melalui mekanisme RUPS, setelah masing-masing conducted periodically by the shareholders through
organ terlebih dahulu melaksanakan penilaian mandiri the GMS, after each organ has first carried out a
baik secara individual maupun kolegial. Proses ini self-assessment both individually and collectively.
memastikan adanya pengukuran kinerja yang objektif This process ensures objective and continuous
serta berkesinambungan. performance measurement.
Dalam pelaksanaannya, Bank telah memisahkan In its implementation, the Bank has clearly separated
secara tegas fungsi Dewan Komisaris dan Direksi the functions of the Board of Commissioners and
sesuai dengan tugas dan tanggung jawab masing- the Board of Directors in accordance with their
masing sebagaimana diatur dalam ketentuan yang respective duties and responsibilities as stipulated in
berlaku. Informasi lebih rinci mengenai mekanisme the prevailing regulations. More detailed information
penilaian kinerja dan pemisahan fungsi tersebut dapat regarding the performance evaluation mechanism
ditemukan dalam Laporan Tahunan Bank Tahun 2025 and the separation of these functions can be found
Bab Tata Kelola Perusahaan. in the Bank’s 2025 Annual Report in the Corporate
Governance chapter.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 96
Manajemen Risiko [GRI 2-23] [OJK E.3] [FN-CB-550A.2] Risk Management [GRI 2-23] [OJK E.3] [FN-CB-550a.2]
Bank menyadari bahwa pelaksanaan kegiatan The Bank recognizes that the implementation of
usahanya tidak terlepas dari berbagai risiko yang its business activities is inseparable from various
berpotensi memengaruhi pencapaian target dan risks that may potentially affect the achievement
kinerja sebagaimana ditetapkan dalam Rencana Bisnis of targets and performance as set out in the Bank's
Bank (RBB). Sehubungan dengan hal tersebut, Bank Business. In this regard, the Bank is committed to
berkomitmen untuk mengantisipasi serta memitigasi anticipating and mitigating risk impacts through the
dampak risiko melalui penerapan sistem manajemen implementation of an integrated and comprehensive
risiko yang terintegrasi dan komprehensif pada seluruh risk management system across all operational and
lini operasional dan pengelolaan usaha. business management lines.
Struktur Pengelolaan Manajemen Risiko per 31 Desember 2025
Risk Management Structure as of December 31, 2025
Director Compliance & Risk
Deputy Director Risk Management
Executive Officer Credit Risk & ESG Executive Officer Non Credit Risk
Kerangka manajemen risiko yang diterapkan Bank The risk management framework implemented by the
mencakup penetapan konteks, identifikasi risiko, Bank includes context establishment, risk identification,
analisis dan pengukuran risiko, pengendalian risiko, serta risk analysis and measurement, risk control, and risk
evaluasi risiko. Seluruh proses tersebut dituangkan evaluation. All of these processes are incorporated into
dalam kebijakan, prosedur, kewenangan, dan perangkat risk management policies, procedures, authorities, and
manajemen risiko yang berlaku bagi seluruh aktivitas tools that apply to all of the Bank’s business activities.
usaha Bank.
Proses Manajemen Risiko Risk Management Process
Penerapan manajemen risiko di Bank mencakup 8 The Bank’s risk management implementation covers
(delapan) jenis risiko utama yaitu Risiko Kredit, Risiko 8 (eight) primary risk types, namely Credit Risk,
Operasional, Risiko Pasar, Risiko Likuiditas, Risiko Operational Risk, Market Risk, Liquidity Risk, Legal Risk,
Hukum, Risiko Reputasi, Risiko Stratejik, dan Risiko Reputational Risk, Strategic Risk, and Compliance Risk.
Kepatuhan. Pengelolaan terhadap seluruh risiko The management of these risks is carried out through
tersebut dilakukan melalui tahapan Proses Identifikasi, the processes of risk identification, measurement,
Pengukuran, Pemantauan, Pengendalian Risiko serta monitoring, and control, supported by the Risk
Sistem Informasi Manajemen Risiko. Management Information System.
96 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 97
Tata Kelola Keberlanjutan
Sustainable Governance
1. Identifikasi Risiko 1. Risk Identification
Untuk memastikan seluruh potensi risiko terkelola To ensure that all potential risks are properly
dengan baik, Bank melaksanakan proses identifikasi managed, the Bank conducts risk identification
risiko melalui analisis menyeluruh atas berbagai through a comprehensive analysis of various
sumber risiko. Proses ini sekurang-kurangnya sources of risk. This process includes, at a
mencakup penilaian terhadap risiko yang timbul minimum, an assessment of risks arising from the
dari produk dan aktivitas Bank, serta memastikan Bank’s products and activities, while ensuring that
bahwa setiap produk atau aktivitas baru telah every new product or activity has undergone an
melalui tahapan manajemen risiko yang memadai adequate risk management process prior to being
sebelum diperkenalkan atau diimplementasikan. introduced or implemented. Risk identification
Identifikasi risiko dilakukan melalui kajian dan is conducted through thorough studies and
telaah yang komprehensif, disertai penyampaian reviews, accompanied by the submission of
rekomendasi kepada unit bisnis maupun unit kerja recommendations to the relevant business units
terkait lainnya. and other related work units.
Sejalan dengan Rencana Bisnis Bank tahun In line with the Bank’s Business Plan for 2025,
2025 yang berfokus pada peningkatan transaksi which focuses on increasing digital banking
perbankan digital melalui pengembangan layanan transactions through the development of digital
digital banking, maka produk Bank ke depan akan banking services, the Bank’s future products will
dominan berbasis Teknologi Informasi dan memiliki predominantly be information technology-based
tingkat kompleksitas yang lebih tinggi. Berkaitan and will carry a higher level of complexity. In this
dengan hal tersebut, Bank telah melakukan regard, the Bank has undertaken a more in-depth
identifikasi risiko operasional, khususnya risiko and comprehensive identification of operational
Teknologi Informasi (system risk), yang melekat risks, particularly information technology risks
pada produk dan aktivitas digital baru secara lebih (system risks), inherent in new digital products
mendalam dan komprehensif. Selain itu, Bank juga and activities. In addition, the Bank has gradually
mulai meningkatkan kapabilitas dalam melakukan enhanced its capability to conduct quantitative
analisis risiko secara kuantitatif secara bertahap. risk analysis.
2. Pengukuran Risiko 2. Risk Measurement
Sebagai bagian dari penguatan manajemen risiko, As part of strengthening risk management
Bank secara berkelanjutan menyempurnakan practices, the Bank continuously improves
berbagai alat ukur risiko. Untuk risiko kredit, various risk measurement tools. For credit risk,
pengukuran dilakukan melalui perhitungan measurement is carried out through assessment
penilaian dalam analisis pemberian kredit dan calculations in credit approval analysis and credit
analisis portofolio kredit. Bank juga melaksanakan portfolio analysis. The Bank also conducts stress
stress testing untuk risiko kredit, risiko pasar, dan testing for credit risk, market risk, and liquidity
risiko likuiditas dengan berbagai skenario yang risk using various relevant scenarios. Meanwhile,
relevan. Sementara itu, untuk risiko operasional, for operational risk, a Loss Event Database (LED)
digunakan Loss Event Database (LED) sebagai salah is utilized as one of the supporting instruments in
satu instrumen pendukung dalam pengambilan business decision-making.
keputusan bisnis.
3. Pemantauan Risiko 3. Risk Monitoring
Pemantauan risiko dilaksanakan secara aktif guna Risk monitoring is conducted actively to ensure
memastikan efektivitas pengelolaan risiko di seluruh the effectiveness of risk management across all
aktivitas Bank. Kegiatan ini mencakup keterlibatan Bank activities. This process includes proactive
proaktif dalam pembahasan dan pengembangan involvement in discussions and the development
aktivitas usaha, operasional, maupun produk, of business activities, operational processes,
termasuk penyampaian hasil review beserta langkah and products, including the communication of
mitigasinya. Selain itu, Bank secara rutin menyusun review results along with recommended mitigation
dan menyampaikan laporan manajemen risiko yang measures. In addition, the Bank regularly prepares
meliputi Profil Risiko, KPMM sesuai Profil Risiko, and submits risk management reports covering
Risiko Teknologi Informasi, hasil Stress Testing, the Risk Profile, Capital Adequacy Ratio (CAR)
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 97
Page 98
Risiko Portofolio Kredit, serta laporan relevan in accordance with the Risk Profile, Information
lainnya. Untuk mendukung efektivitas pemantauan Technology Risk, stress testing results, Credit
tersebut, diperlukan sistem yang memadai dan Portfolio Risk, and other relevant reports. To support
terintegrasi. effective monitoring, adequate and integrated
systems are required.
4. Pengendalian Risiko 4. Risk Control
Seluruh unit kerja di Bank berperan aktif dalam All work units within the Bank actively participate
mengendalikan eksposur risiko guna meminimalkan in controlling risk exposure to minimize potential
potensi kerugian. Upaya pengendalian dilakukan losses. Control measures are implemented through
melalui penerapan dual control dan/atau four the application of dual control and/or the four
eyes principle pada seluruh aktivitas usaha dan eyes principle across all business and operational
operasional, yang diimplementasikan melalui activities. These are implemented through the
checklist Daftar Pengawasan Melekat (DPM) serta Internal Control Checklist and segregation of duties.
pemisahan fungsi (segregation of duties). Selain itu, Furthermore, the Bank establishes Credit Approval
Bank menetapkan Batas Wewenang Memutus Kredit Authority Limits, conducts credit restructuring or
(BWMK), melaksanakan restrukturisasi atau relaksasi relaxation in accordance with regulatory provisions,
kredit sesuai ketentuan regulasi, membentuk CKPN establishes Allowance for Impairment Losses and
Kredit dan AYDA, serta melakukan write-off atas Foreclosed Collateral, and performs write-offs
kredit bermasalah. Mitigasi risiko juga diterapkan on non-performing loans. Risk mitigation is also
terhadap layanan perbankan digital terbaru guna applied to newly developed digital banking services
memastikan pengelolaan risiko yang optimal. to ensure optimal risk management.
5. Sistem Informasi Manajemen Risiko 5. Risk Management Information System
Penguatan sistem informasi manajemen risiko Strengthening the Risk Management Information
menjadi kebutuhan penting bagi Bank untuk System has become an essential requirement
mendukung pengambilan keputusan yang tepat. for the Bank in supporting sound decision-
Oleh karena itu, Bank terus mengembangkan making. Therefore, the Bank continues to develop
sistem yang mampu menyediakan informasi yang systems capable of providing relevant and reliable
relevan dan andal, sehingga eksposur risiko dapat information, enabling risk exposure to be measured
terukur secara akurat, informatif, dan tepat waktu. accurately, informatively, and in a timely manner.
Informasi tersebut mencakup eksposur risiko Such information includes both the Bank’s overall
secara keseluruhan maupun eksposur berdasarkan risk exposure and exposure by each type of risk
masing-masing jenis risiko yang melekat pada inherent in the Bank’s business activities.
kegiatan usaha Bank.
Berkaitan dengan pengelolaan manajemen risiko, Bank In relation to risk management, the Bank has gradually
bertahap melakukan piloting perhitungan dampak implemented pilot calculations to assess the impact
risiko perubahan iklim yaitu risiko fisik dan risiko transisi of climate change risks, namely physical risks and
sebagai berikut: transition risks, as follows:
1. Risiko Fisik 1. Physical Risk
Risiko fisik merupakan risiko yang timbul akibat Physical risk refers to risks arising from the
dampak perubahan iklim terhadap aktivitas impact of climate change on economic activities,
ekonomi, operasional, maupun aset perusahaan. operations, and company assets. These risks can
Risiko ini dapat digolongkan menjadi dua kategori, be categorized into two types: acute physical risk
yaitu risiko fisik akut dan risiko fisik kronis. Risiko and chronic physical risk. Acute physical risk is
fisik akut adalah risiko yang disebabkan oleh caused by severe natural disasters resulting from
bencana alam yang parah dan terjadi akibat suatu specific events, such as floods and forest fires.
peristiwa tertentu, seperti banjir dan kebakaran Meanwhile, chronic physical risk arises gradually
hutan. Sementara itu, risiko fisik kronis adalah risiko due to long-term changes in climate patterns, such
yang muncul secara bertahap akibat perubahan as rising average temperatures and sea level rise.
pola iklim dalam jangka panjang, misalnya kenaikan
suhu rata-rata dan kenaikan permukaan air laut.
98 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
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Tata Kelola Keberlanjutan
Sustainable Governance
Dalam menentukan tingkat kerentanan terhadap In determining the level of vulnerability to physical
risiko fisik, Bank perlu mempertimbangkan bahaya risk, the Bank considers climate-related hazards,
terkait iklim, tingkat paparan terhadap bahaya exposure levels, and the degree of vulnerability.
tersebut, serta tingkat kerentanan yang dimiliki.
Dalam konteks ini, risiko fisik yang dihadapi In this context, the physical risks faced include
meliputi banjir, kebakaran, kenaikan suhu rata- floods, fires, rising average temperatures, and
rata, dan kenaikan permukaan air laut. Banjir dipicu sea level rise. Flood risk is driven by extreme
oleh intensitas hujan ekstrem dengan tingkat rainfall with a high probability, particularly in
kemungkinan tinggi, khususnya di wilayah rawan. vulnerable areas. Fire risk is influenced by weather
Kebakaran dipengaruhi oleh perubahan cuaca dan changes and drought conditions, categorized as
kondisi kekeringan dengan tingkat kemungkinan possible occurrences. The risk of rising average
terjadi pada kategori mungkin. Risiko kenaikan temperatures, driven by global warming, falls within
suhu rata-rata terjadi akibat pemanasan global a similar probability category. In addition, sea level
dan berada pada kategori kemungkinan yang sama. rise as a result of climate change is also considered
Selain itu, kenaikan permukaan air laut sebagai a potential risk.
dampak perubahan iklim juga termasuk dalam risiko
yang mungkin terjadi.
Risiko-risiko tersebut berpotensi mengganggu These risks may disrupt operations and reduce
operasional serta menurunkan kemampuan borrowers’ repayment capacity in affected sectors.
pembayaran debitur pada sektor-sektor Potential financial impacts include an increase in
terdampak. Dampak finansial yang dapat timbul Loss Given Default (LGD) and a decline in asset
antara lain peningkatan Loss Given Default (LGD) values.
dan penurunan nilai aset.
Sebagai langkah mitigasi dan strategi respons, As mitigation and response strategies, the Bank
bank melaksanakan Pilot Project Climate Risk has implemented a Climate Risk Management &
Management & Scenario Analysis (CRMS), melakukan Scenario Analysis (CRMS) Pilot Project, diversified
diversifikasi sektor dan wilayah pembiayaan, serta financing sectors and regions, and conducted
melaksanakan pilot project pengklasifikasian pilot projects for debtor classification based on
debitur berdasarkan kategori Taksonomi Keuangan the Indonesian Sustainable Finance Taxonomy to
Berkelanjutan Indonesia (TKBI) guna memperkuat strengthen sustainability-based risk management.
pengelolaan risiko berbasis keberlanjutan.
2. Risiko Transisi 2. Transition Risk
Risiko transisi merupakan risiko yang muncul Transition risk refers to risks arising from changes in
akibat perubahan arah kebijakan pemerintah, government policies, technological advancements,
kemajuan teknologi, dan dinamika sosial seiring and social dynamics as the global economy shifts
dengan bergesernya tujuan perekonomian global toward a low-carbon economy. These changes
menuju ekonomi rendah karbon. Perubahan require the Bank to adjust its strategies, policies,
tersebut menuntut Bank untuk menyesuaikan and financing portfolio. Such adjustments may
strategi, kebijakan, dan portofolio pembiayaannya. impact business performance, reputation, and
Penyesuaian ini berpotensi memberikan dampak asset value.
terhadap kinerja bisnis, reputasi, serta nilai aset
yang dimiliki.
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Secara umum, risiko transisi dapat timbul dari In general, transition risks may arise from regulatory
perubahan kebijakan dan regulasi, perkembangan and policy changes, technological developments,
teknologi, perubahan preferensi pasar, maupun shifts in market preferences, and reputational
tekanan reputasi. Risiko yang muncul akibat perubahan pressures. These risks may affect operational
arah kebijakan pemerintah, kemajuan teknologi, stability and business sustainability if not properly
dan dinamika sosial tersebut dapat memengaruhi anticipated.
stabilitas operasional dan keberlanjutan bisnis Bank
apabila tidak diantisipasi dengan baik.
Dalam konteks ini, perubahan kebijakan dan regulasi Policy and regulatory changes may create risks
berpotensi menimbulkan risiko apabila Bank tidak if the Bank is unable to comply with updated
dapat menerapkan ketentuan atau aturan hukum climate-related regulations, potentially increasing
terbaru terkait perubahan iklim. Risiko ini dapat operational expenses (opex) and compliance risks.
berdampak pada peningkatan biaya operasional
(opex) serta risiko kepatuhan.
Perubahan teknologi dan transisi menuju teknologi Technological changes and the transition toward
rendah emisi juga menjadi sumber risiko. low-emission technologies also pose risks. Rapid
Perkembangan teknologi dapat menimbulkan risiko technological developments may impact business
bagi keberlangsungan usaha, terutama bagi debitur sustainability, particularly for borrowers unable to
yang belum mampu beradaptasi atau beralih ke adapt or transition. Failure to transition may result
teknologi rendah emisi. Ketidakmampuan melakukan in stranded assets, increased capital expenditure
transisi dapat menyebabkan aset menjadi kurang (capex), and reduced competitiveness.
bernilai (stranded asset), meningkatnya biaya
modal (capex), serta penurunan daya saing.
Selain itu, perubahan preferensi pasar dan Additionally, shifts in market preferences toward
meningkatnya sentimen terhadap produk hijau green or low-emission products may pose risks if
atau rendah emisi dapat memunculkan risiko the Bank is not responsive in directing financing
apabila Bank tidak responsif dalam mengarahkan toward more sustainable sectors, potentially
pembiayaan pada sektor yang lebih berkelanjutan. leading to declining revenues and portfolio quality.
Risiko ini dapat berdampak pada penurunan
pendapatan maupun penurunan kualitas portofolio
pembiayaan.
Dari sisi reputasi, publikasi negatif terkait From a reputational perspective, negative
pengelolaan risiko perubahan iklim dapat publicity related to climate risk management may
memengaruhi kepercayaan masyarakat dan affect public trust and stakeholder confidence,
pemangku kepentingan terhadap Bank. Dampaknya potentially impacting financial performance. The
dapat berupa penurunan reputasi, berkurangnya consequences can include damage to reputation,
kepercayaan nasabah, serta tekanan terhadap a loss of customer trust, and pressure on financial
kinerja keuangan. performance.
Sebagai langkah mitigasi, Bank meningkatkan literasi As mitigation measures, the Bank enhances
dan awareness keberlanjutan kepada pegawai sustainability literacy and awareness among
melalui pelatihan terkait aspek lingkungan dan employees through training, reviews and updates
keberlanjutan, melakukan kajian serta pengkinian internal policies and procedures, develops and
kebijakan dan prosedur internal terkait keberlanjutan, integrates risk management systems supporting
mengembangkan dan mengintegrasikan sistem sustainable operations, promotes financing for
manajemen risiko yang mendukung operasional low-carbon economic activities, and ensures
berkelanjutan, mendorong pembiayaan pada transparency in sustainability reporting to maintain
kegiatan usaha yang mendukung ekonomi rendah public trust.
karbon, serta menerapkan transparansi pelaporan
keberlanjutan guna menjaga kepercayaan publik.
100 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Tata Kelola Keberlanjutan
Sustainable Governance
Tabel Penilaian Profil Risiko per Posisi 31 Desember 2025
Risk Profile Assessment Table as of December 31, 2025
Peringkat Kualitas
Profil Risiko Peringkat Risiko Inheren Manajemen Risiko Peringkat Tingkat Risiko
Risk Profile Inherent Risk Rating Risk Management Quality Risk Level Rating
Rating
Risiko Kredit
Low to Moderate Fair PK-2
Credit Risk
Risiko Pasar
Low to Moderate Strong PK-1
Market Risk
Risiko Likuiditas
Low to Moderate Strong PK-1
Liquidity Risk
Risiko Operasional
Low to Moderate Satisfactory PK-2
Operational Risk
Risiko Kepatuhan
Low to Moderate Satisfactory PK-2
Compliance Risk
Risiko Hukum
Moderate Satisfactory PK-2
Legal Risk
Risiko Stratejik
Moderate to High Fair PK-4
Strategic Risk
Risiko Reputasi
Low to Moderate Satisfactory PK-2
Reputational Risk
Peringkat Komposit
Low to Moderate Satisfactory PK-2
Composite Rating
Berdasarkan pemetaan dan mitigasi risiko yang telah Based on the risk mapping and mitigation measures
ditetapkan Bank, selama tahun 2025, Bank telah established, during 2025 the Bank conducted the
melakukan aktivitas manajemen risiko sebagai berikut: following risk management activities:
1. Melakukan analisa dan memberikan rekomendasi 1. Conducted analysis and provided recommendations
sektor ekonomi prioritas maupun unggulan yang on priority and leading economic sectors with
berpotensi dapat dibiayai untuk tahun 2026; financing potential for 2026;
2. Menerapkan prinsip kehati-hatian yang lebih selektif 2. Implemented more selective prudential principles
dalam pemberian kredit dengan menyalurkan in lending by focusing on sectors with good
kredit ke sektor usaha/industri tertentu yang masih prospects in line with the Bank’s risk appetite;
memiliki prospek yang baik sesuai risk appetite
bank;
3. Memantau perkembangan LaR, pra NPL dan NPL 3. Monitored the development of LaR, pre-NPL, and
baik secara bankwide, per segmen maupun per NPL on a bankwide, segment, and branch basis, and
Cabang secara rutin dan menetapkan langkah implemented necessary actions such as collection,
tindakan yang diperlukan misalnya upaya collection, restructuring, and write-offs;
restrukturisasi maupun write-off kepada debitur
agar posisi pra NPL dan NPL tetap terjaga;
4. Melakukan kalibrasi dan pemantauan dalam 4. Conducted periodic calibration and monitoring of
pembentukan CKPN secara berkala sesuai loan loss provisions (CKPN) in accordance with
ketentuan; regulations;
5. Melakukan penilaian profil risiko Bank secara rutin 5. Performed regular risk profile assessments and
dan menetapkan langkah-langkah perbaikan yang implemented necessary improvements;
diperlukan;
6. Pengukuran Risiko IT; 6. Conducted IT risk measurement;
7. Pengukuran Kewajiban Penyediaan Modal Minimum 7. Measured Capital Adequacy Ratio (CAR/KPMM)
(KPMM) sesuai profil risiko; based on the Bank’s risk profile;
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8. Melakukan stress testing kredit, pasar (risiko nilai 8. Conducted stress testing on credit, market (foreign
tukar dan risiko suku bunga), dan likuiditas dengan exchange and interest rate risks), and liquidity risks
berbagai skenario periode triwulan dan ad hoc, on a quarterly and ad hoc basis, and determined
serta menetapkan langkah antisipasi atas hasil mitigation actions;
stress testing tersebut;
9. Melakukan pemantauan dan simulasi AYDA; 9. Conducted monitoring and simulation AYDA;
10. Menetapkan mitigasi risiko yang diperlukan untuk 10. Established risk mitigation measures for digital
pengembangan layanan perbankan digital (digital banking development, including new product
banking), termasuk rencana penerbitan produk issuance and activities;
dan/atau pelaksanaan aktivitas baru Bank;
11. Melakukan kajian risiko terhadap pihak yang akan 11. Conducted risk assessments on prospective
bekerjasama dengan Bank terutama yang berkaitan partners, particularly in Information Technology;
dengan Teknologi Informasi;
12. Melakukan review risk appetite, risk tolerance dan 12. Reviewed risk appetite, risk tolerance, and Early
Early Warning System (EWS) terhadap 8 (delapan) Warning System (EWS) across the Bank’s 8 (eight)
risiko yang melekat di Bank; inherent risks;
13. Melakukan pemantauan dan analisa terhadap 13. Conducting monitoring and analysis of the Net
rasio Net Stable Funding Ratio (NSFR) untuk Stable Funding Ratio (NSFR) to ensure that the
memastikan bahwa Bank memelihara pendanaan Bank maintains stable funding aligned with the
stabil yang disesuaikan dengan komposisi aset dan composition of assets and off-balance sheet
rekening administratif, sehingga Bank diharapkan accounts, thereby enabling the Bank to reduce
dapat mengurangi risiko likuiditas terkait sumber liquidity risk related to funding sources over a
pendanaan untuk jangka waktu yang lebih panjang; longer-term horizon;
14. Melakukan pemantauan dan analisa terhadap rasio 14. Conducting monitoring and analysis of the Liquidity
Liquidity Coverage Ratio (LCR) memastikan Bank Coverage Ratio (LCR) to ensure that the Bank
memiliki kecukupan persediaan HQLA (High Quality maintains an adequate level of unencumbered
Liquid Asset) yang tidak terikat (unencumbered). High Quality Liquid Assets (HQLA). HQLA consist of
HQLA terdiri dari kas dan/atau aset yang dapat cash and/or assets that can be easily and readily
dengan mudah dan segera dikonversi menjadi kas converted into cash with little or no loss in value
dengan sedikit atau tanpa pengurangan nilai untuk to meet the Bank’s liquidity needs under stressed
memenuhi kebutuhan likuiditas Bank jika terjadi conditions over a 30 (thirty) day period;
kondisi terburuk dalam periode 30 (tiga puluh) hari
kedepan;
15. Pemantauan pelaksanaan Mark to Market (MTM) 15. Monitored Mark-to-Market (MTM) implementation
atas surat berharga yang dimiliki Bank termasuk for securities, including money market and forex
Transaksi Money Market, Transaksi Forex, Posisi transactions, Net Open Position, and securities
Devisa Neto (PDN), dan eksposur Surat Berharga; exposure;
16. Pemantauan pemenuhan Giro Wajib Minimum 16. Monitored compliance with Minimum Reserve
(GWM), Penyangga Likuiditas Makroprudensial Requirement, Macroprudential Liquidity Buffer, and
(PLM), Rasio Intermediasi Makroprudensial (RIM) Macroprudential Intermediation Ratio, including
termasuk perkembangan Dana Pihak Ketiga (DPK) Third Party Funds and liquid assets;
dan Aset Likuid Bank;
17. Pemenuhan tindaklanjut komitmen kepada OJK; 17. Ensured fulfillment of commitments to the OJK;
18. Development aplikasi Operational Risk Management 18. Developed an Operational Risk Management
(ORM) sebagai tool’s yang akan digunakan oleh Risk (ORM) application as a tool for Risk Officers across
Officer (RO) disetiap Direktorat dan Cabang; directorates and branches;
19. Pengembangan Bussiness Continuity Management 19. Developed Business Continuity Management
(BCM); (BCM);
20. Melakukan Analisa risiko, pengembangan strategi, 20. Conducted risk analysis, strategy development,
koordinasi lintas fungsi, pemantauan kondisi bank cross-functional coordination, monitoring, and
serta penyusunan kebijakan risiko dan limit dalam policy formulation in the preparation of the
proses penyusunan dan pelaporan Rencana Resolution Plan submitted to the Indonesia Deposit
Resolusi ke Lembaga Penjamin Simpanan (LPS); Insurance Corporation (LPS);
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Tata Kelola Keberlanjutan
Sustainable Governance
21. Menjaga stabilitas likuiditas Bank sesuai regulasi 21. Maintaining the Bank’s liquidity stability in
POJK No. 5 Tahun 2024 tentang Penetapan Status accordance with POJK No. 5 of 2024 on the
Pengawasan dan Penanganan Permasalahan Bank Determination of Supervisory Status and the
Umum, dengan tugas dan tanggung jawab sebagai Handling of Issues at Commercial Banks, with the
berikut: following duties and responsibilities:
a. Menyusun dan mengkinikan laporan dan menguji a. Preparing, updating, and testing the Recovery
Recovery Plan; Plan;
b. Monitoring serta melakukan pengujian (stress b. Monitoring and stress testing Recovery Plan
testing) terhadap trigger level Recovery Plan; trigger levels;
c. Memberikan input untuk penetapan status c. Providing input for supervisory status
pengawasan; dan determination; and
d. Memberikan action plan apabila terdapat d. Preparing action plans in case of trigger
pelampauan trigger level. breaches.
Pengawasan Aktif Dewan Komisaris dan Direksi Active Oversight by the Board of Commissioners
atas Penerapan Manajemen Risiko and the Board of Directors on the Implementation
of Risk Management
Sebagai bentuk kesadaran atas berbagai risiko yang In recognition of the various risks inherent in the Bank’s
melekat pada kegiatan usaha Bank, Dewan Komisaris business activities, the Board of Commissioners and
dan Direksi secara konsisten memberikan arahan the Board of Directors consistently provide strategic
strategis, melakukan pengawasan, serta memastikan direction, conduct oversight, and ensure the active
pelaksanaan mitigasi risiko secara aktif. Dewan implementation of risk mitigation measures. The
Komisaris melaksanakan fungsi pengawasan risiko Board of Commissioners carries out its risk oversight
(risk oversight) melalui Komite Pemantau Risiko guna function through the Risk Monitoring Committee to
memastikan penerapan manajemen risiko berjalan ensure that the implementation of risk management is
efektif dan sesuai dengan ketentuan. Sementara itu, effective and in accordance with prevailing regulations.
Direksi menjalankan fungsi penetapan kebijakan risiko Meanwhile, the Board of Directors performs its risk
(risk policy) melalui komite eksekutif yaitu Komite policy function through executive committees, namely
Manajemen Risiko, Asset & Liability Committee (ALCO), the Risk Management Committee, the Asset & Liability
serta Komite Kredit. Committee (ALCO), and the Credit Committee.
Pembiayaan yang Bertanggung Jawab Responsible Financing
Dalam setiap penyaluran kredit atau pembiayaan, In every credit or financing disbursement, the Bank
Bank senantiasa mempertimbangkan analisis risiko consistently considers comprehensive risk analysis
serta prospek usaha debitur secara menyeluruh. as well as the business prospects of the debtor. As
Sebagai bentuk dukungan terhadap pembangunan part of its support for sustainable development, the
berkelanjutan, Bank tidak hanya mendorong kegiatan Bank not only encourages business activities that
usaha yang berwawasan lingkungan dan berkontribusi are environmentally responsible and contribute to
pada peningkatan kualitas hidup masyarakat, tetapi improving the quality of life of the community, but
juga melakukan uji tuntas dengan mempertimbangkan also conducts due diligence by taking into account
aspek ekonomi, sosial, dan lingkungan sebelum economic, social, and environmental aspects prior to
memberikan pembiayaan. extending financing.
Melalui Komite Kredit dan berdasarkan Peraturan Through the Credit Committee and in accordance
Otoritas Jasa Keuangan No. 42/POJK.03/2017 tentang with Financial Services Authority Regulation No. 42/
Kewajiban Penyusunan dan Pelaksanaan Kebijakan POJK.03/2017 concerning the Obligation to Prepare and
Perkreditan atau Pembiayaan Bank bagi Bank Umum, Implement Credit or Financing Policies for Commercial
Bank melaksanakan tugas sebagai berikut: Banks, the Bank performs the following responsibilities:
1. Memberikan persetujuan atau penolakan atas 1. Providing approval or rejection of credit proposals
usulan kredit secara objektif, jujur, dan cermat objectively, honestly, and prudently while
dengan tetap mempertimbangkan risiko beserta considering the associated risks and mitigation
mitigasinya, serta mengacu pada Pedoman measures, and referring to the Credit Policy
Kebijakan Perkreditan, Surat Edaran Kredit, memo Guidelines, Credit Circular Letters, internal memo,
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internal, ketentuan Bank Indonesia, Peraturan OJK, Bank Indonesia regulations, OJK regulations, and
dan peraturan perundang-undangan yang berlaku other prevailing laws and regulations in accordance
sesuai dengan BWMK yang diberikan. with the assigned BWMK.
2. Memberikan rekomendasi atas usulan kredit atau 2. Providing recommendations on credit or financing
pembiayaan kepada Komite Kredit yang memiliki proposals to the Credit Committee with higher
BWMK lebih tinggi. BMWK.
3. Menolak segala bentuk permintaan atau pengaruh 3. Rejecting any form of request or influence from
dari pihak berkepentingan yang bertujuan interested parties intended to obtain formal
memperoleh persetujuan kredit secara formalitas credit approval without meeting the asset quality
tanpa memenuhi kualitas aset sesuai ketentuan requirements stipulated by OJK.
OJK.
4. Melakukan koordinasi dengan Asset and Liability 4. Coordinating with the Asset and Liability Committee
Committee (ALCO) dalam aspek pendanaan (ALCO) regarding the funding aspects of lending
perkreditan. activities.
Sebagai komitmen terhadap prinsip kehati-hatian As part of its commitment to prudential principles
dan keberlanjutan, Bank tidak akan menyalurkan and sustainability, the Bank will not extend financing if
pembiayaan apabila hasil analisis risiko menunjukkan the risk analysis indicates significant potential losses
adanya potensi kerugian yang signifikan dari sisi from social impacts or environmental pollution and
sosial maupun dampak pencemaran dan kerusakan degradation.
lingkungan.
Remunerasi dan Nominasi Dewan Remuneration and Nomination of the
Komisaris dan Direksi [GRI 2-19] [GRI 2-20] [GRI Board of Commissioners and the Board
2-10] of Directors [GRI 2-19] [GRI 2-20] [GRI 2-10]
Penerapan kebijakan Remunerasi dan Nominasi yang transparan The implementation of transparent and objective Remuneration
sertaobjektifmenjadibagianpentingdalammemastikankualitas and Nomination policies forms an important part of ensuring
kepemimpinan Bank. Kebijakan ini dirancang agar anggota the quality of the Bank’s leadership. These policies are designed
Dewan Komisaris dan Direksi memiliki kompetensi yang selaras to ensure that members of the Board of Commissioners and
dengan kebutuhan dan strategi perusahaan. Proses nominasi the Board of Directors possess competencies that align with
dilakukan dengan mempertimbangkan kualifikasi, pengalaman, the Company’s needs and strategic direction. The nomination
rekam jejak profesional, serta integritas kandidat, dengan process is carried out by considering the qualifications,
tetap mengacu pada regulasi yang berlaku dan prinsip Good experience, professional track record, and integrity of the
Corporate Governance (GCG). Melalui mekanisme tersebut, candidates, while referring to applicable regulations and the
Bank memastikan bahwa struktur kepemimpinan diisi oleh principles of Good Corporate Governance (GCG). Through
individu yang mampu menjalankan tugas secara efektif dalam this mechanism, the Bank ensures that its leadership structure
mewujudkan visi, misi, dan strategi keberlanjutan. is composed of individuals capable of performing their roles
effectively in realizing the Company’s vision, mission, and
sustainability strategy.
Dalam aspek remunerasi, Bank menetapkan kebijakan yang In terms of remuneration, the Bank establishes policies that take
mempertimbangkan kinerja individu, pencapaian target into account individual performance, the achievement of the
perusahaan, praktik industri, serta keseimbangan antara Company’s targets, industry practices, and the balance between
kepentingan jangka pendek dan jangka panjang. Skema short-term and long-term interests. The remuneration scheme
remunerasi disusun secara adil dan kompetitif untuk mendorong is designed to be fair and competitive in order to encourage
motivasi serta peningkatan kinerja Dewan Komisaris dan Direksi. motivation and enhance the performance of the Board of
Evaluasi terhadap kebijakan remunerasi dilakukan secara berkala Commissioners and the Board of Directors. The remuneration
guna memastikan kesesuaiannya dengan perkembangan policy is reviewed periodically to ensure its alignment with
industri dan ekspektasi pemangku kepentingan. industry developments and stakeholder expectations.
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Tata Kelola Keberlanjutan
Sustainable Governance
Proses Nominasi [GRI 2-19] [GRI 2-20] [IDX G-06] Nomination Process [GRI 2-19] [GRI 2-20] [IDX G-06]
Mekanisme pemilihan anggota Dewan Komisaris dan Direksi The selection mechanism for members of the Board of
dilaksanakan secara transparan dengan mengedepankan Commissioners and the Board of Directors is conducted
prinsip kompetensi, profesionalisme, dan integritas. Proses ini transparently by upholding the principles of competence,
dikelola oleh Komite Remunerasi dan Nominasi yang bertugas professionalism, and integrity. This process is managed by the
melakukan penilaian serta memberikan rekomendasi atas Remuneration and Nomination Committee, which is responsible
calon yang dinilai sesuai dengan kebutuhan organisasi dan for evaluating and providing recommendations on candidates
arah strategis Bank. Uraian lebih rinci mengenai tahapan dan deemed suitable for the Bank’s organizational needs and
ketentuan proses nominasi tersebut dapat dilihat dalam strategic direction. More detailed information regarding the
Laporan Tahunan Bank Tahun 2025. stages and provisions of the nomination process can be found
in the Bank’s 2025 Annual Report.
Kebijakan Remunerasi [GRI 2-21] Remuneration Policy [GRI 2-21]
Penetapan remunerasi bagi Dewan Komisaris dan Direksi ThedeterminationofremunerationfortheBoardofCommissioners
dilakukanberdasarkanprinsipkewajaran,kinerja,sertapenciptaan and the Board of Directors is based on the principles of fairness,
nilai jangka panjang bagi pemegang saham dan pemangku performance,andthecreationoflong-termvalueforshareholders
kepentingan lainnya. Struktur remunerasi mencakup gaji andotherstakeholders.Theremunerationstructureincludesbase
pokok, tunjangan, insentif berbasis kinerja, serta manfaat salary, allowances, performance-based incentives, and other
lainnya yang disesuaikan dengan pencapaian target bisnis dan benefits aligned with the achievement of business targets and
keberlanjutan. Informasi lebih lengkap mengenai kebijakan dan sustainability objectives. More detailed information regarding
realisasi remunerasi Dewan Komisaris dan Direksi disampaikan the remuneration policy and its implementation for the Board
dalam Laporan Tahunan Bank Tahun 2025. of Commissioners and the Board of Directors is presented in
the Bank’s 2025 Annual Report.
Pelibatan Pemangku Kepentingan Stakeholder Engagement [OJK E.4] [GRI 2-29]
[OJK E.4] [GRI 2-29]
Komitmen untuk membangun hubungan yang The commitment to building constructive relationships
konstruktif antara Bank dengan para pemangku between the Bank and its stakeholders is realized
kepentingan diwujudkan melalui keterlibatan aktif through active engagement in every decision-making
dalam setiap proses pengambilan keputusan dan process and in the implementation of sustainability
implementasi strategi keberlanjutan. Pendekatan ini strategies. This approach aims to ensure that the
bertujuan memastikan bahwa kebijakan dan inisiatif policies and initiatives implemented by the Bank are
yang dijalankan Bank sejalan dengan harapan pemangku aligned with stakeholders’ expectations while also
kepentingan sekaligus mendukung pencapaian tujuan supporting the achievement of sustainable long-term
jangka panjang yang berkelanjutan. objectives.
Berdasarkan hasil pemetaan yang telah dilakukan, Bank Based on the stakeholder mapping conducted, the
mengidentifikasi kelompok pemangku kepentingan Bank has identified its key stakeholder groups along
utama beserta metode keterlibatan yang diterapkan with the engagement methods applied throughout the
sepanjang periode pelaporan. Informasi mengenai reporting period. Information regarding stakeholder
kelompok pemangku kepentingan serta bentuk groups as well as the forms of communication and
komunikasi dan interaksi yang dilakukan disajikan interaction carried out is presented in the following
dalam tabel berikut: table:
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Pemangku Kepentingan Topik Utama/Harapan
Pendekatan
dan Dasar Pemilihan Pemangku Kepentingan Respons Bank
Keterlibatan
Stakeholder Group and Key Topics / Stakeholder Bank Response
Engagement Approach
Basis for Selection Expectations
Nasabah
Customers
Kepuasan nasabah menentukan • Komunikasi sehari-hari • Kualitas pelayanan. • Ragam fasilitas yang memberi
pertumbuhan usaha. di kantor pusat/cabang. • Kemudahan dan keamanan kemudahan, keamanan dan
• Layanan call center. bertransaksi. kenyamanan dalam bertransaksi.
• Media sosial. • Informasi jasa perbankan yang • LayananCallCenter,ContactCenter
• S u r ve i Ke p u a s a n jelas. (Graha Call 24 Jam, Graha Chat
Nasabah. WA Business, e-mail, media sosial
dan Cabang).
• Menyediakan sarana informasi
via website.
• Layanan digital/online (AGI Mobile/
Corporate Internet Banking).
• Daily communication • Providing various facilities that
Customersatisfactiondetermines at the head office and • Service quality. offer convenience, security, and
business growth. branches. • Convenience and security in comfort in transactions.
• Call center services. conducting transactions. • Providing Call Center and Contact
• Social media. • Clear information on banking Center services (24-hour Graha
• Customer Satisfaction services. Call, Graha Chat WA Business,
Surveys. e-mail,socialmedia,andbranches).
• Providing information channels
through the website.
• Providing digital/online services
(AGI Mobile / Corporate Internet
Banking).
Karyawan
Employees
MerupakanasetBankyangpenting Kegiatan kerja setiap hari/ • Kesejahteraan karyawan. • Remunerasi, tunjangan dan fasilitas
dan perlu terus dikelola serta pertemuan berkala. • Pelatihan dan pengembangan. yang baik, di antaranya Jaminan
dikembangkandemipertumbuhan • Keselamatan dan kesehatan Kesehatan & Keselamatan BPJS
usaha. kerja. serta fasilitas sarana dan prasarana
penunjang lainnya.
• Memberikan pelatihan dan
pengembangan karir.
Employeesareimportantassetsof Daily work activities and • Employee welfare. • Providingappropriateremuneration,
theBankandmustbecontinuously regular meetings. • Training and development. benefits, and facilities, including
managed and developed to • Occupationalhealthandsafety. BPJS Health and Employment
support business growth. Insurance as well as supporting
facilities and infrastructure.
• Providing training and career
development opportunities.
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Tata Kelola Keberlanjutan
Sustainable Governance
Pemangku Kepentingan Topik Utama/Harapan
Pendekatan
dan Dasar Pemilihan Pemangku Kepentingan Respons Bank
Keterlibatan
Stakeholder Group and Key Topics / Stakeholder Bank Response
Engagement Approach
Basis for Selection Expectations
Masyarakat
Community
Penting untuk menjaga hubungan Komunikasi dan interaksi Dampak nyata yang positif bagi Bank melaksanakan program CSSR
harmonis dan wujud kepedulian baik secara formal maupun ketahanan sosial dan ekonomi yang mencakup pelestarian lingkungan,
sosial. informal seperti dalam masyarakat. Serta program yang penanggulangan bencana, kegiatan
Begitupundengankomunitaslokal ke g i at a n C S S R s e r t a berkelanjutan dan transparansi sosial kemasyarakatan, pemberdayaan
disekitarwilayahoperasionalbank, kolaborasi dengan instansi, dalam pelaksanaannya menjadi e ko n o m i , s e r t a p e n i n g kat a n
merupakanpihakyangterdampak komunitas, atau organisasi perhatian agar manfaatnya dapat kesejahteraan dan literasi masyarakat
langsung oleh aktivitas Bank lain untuk menjangkau dirasakan secara optimal. untuk menciptakan dampak yang
sehinggamenjadiperhatianutama masyarakat yang lebih berkelanjutan.
dalam pelaksanaan tanggung luas dan mengidentifikasi
jawab sosial dan lingkungan. kebutuhansertamemastikan
program berjalan dengan
efektif.
Maint aining ha r m o ni o u s Communication and Positive and tangible impacts on The Bank implements CSSR programs
relationships and demonstrating interaction conducted both the social and economic resilience covering environmental conservation,
social responsibility is important. formally and informally, such of the community. disaster response, social community
Local communities surrounding as through CSSR activities Sustainable programs and activities, economic empowerment,
the Bank’s operational areas and collaboration with transparencyintheirimplementation and initiatives to improve community
are directly affected by the institutions, communities, or sothatthebenefitscanbeoptimally welfareandliteracytocreatesustainable
Bank’s activities and therefore other organizations to reach a realized. impact.
become a primary focus in the widercommunityandidentify
implementation of social and needs while ensuring that
environmental responsibility. programs are implemented
effectively.
Pemerintah
Government
Sebagai regulator kegiatan usaha, • Pertemuandankomunikasi Kepatuhan dan kontribusi ekonomi • Pemenuhan kewajiban terhadap
Bank senantiasa memperhatikan saat pemenuhan dan sosiallingkungandemimewujudkan regulator seperti pembuatan
setiap ketentuan yang berlaku. sosialisasi peraturan. pembangunan berkelanjutan. RAKB, Laporan Keberlanjutan dan
• Kegiatanbersamaterkait kepatuhan lainnya.
CSSR. • Pembiayaan untuk mendukung
pembangunan dan pertumbuhan
ekonomi.
• Pelaksanaan tanggung jawab sosial
dan lingkungan.
As the regulator of business • Meetings and Compliance and social, economic, • Fulfillment of obligations to
activities, the Bank consistently communication during and environmental contributions to regulators, such as the preparation
observesallapplicableregulations. regulatory compliance support sustainable development. of the RAKB, Sustainability Report,
a n d so c i a l i z a t i o n and other regulatory compliance.
activities. • Financing to support development
• Joint activities related and economic growth.
to CSSR. • Implementation of social and
environmental responsibility.
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Pemangku Kepentingan Topik Utama/Harapan
Pendekatan
dan Dasar Pemilihan Pemangku Kepentingan Respons Bank
Keterlibatan
Stakeholder Group and Key Topics / Stakeholder Bank Response
Engagement Approach
Basis for Selection Expectations
Pemegang Saham/Investor
Shareholders / Investors
Organ tertinggi dalam struktur RUPS, pertemuan investor Keterbukaan informasi dan Secara berkala menyediakan laporan
tata kelola yang memiliki hak dan lainnya. keuntungan berinvestasi. yang transparan dan peningkatan
yang berinvestasi mengharapkan kinerja usaha.
imbal hasil.
The highest authority in the GMS and other investor Information transparency and Providing transparent reports on a
governance structure who have meetings. investment returns. regularbasisandcontinuouslyimproving
ownership rights and invest with business performance.
the expectation of returns.
Pemasok dan Mitra Usaha
Suppliers and Business Partners
Mitra kerja penunjang kelancaran Komunikasi saat proses Kemudahan kerja sama dan Transparansi prosedur kerja sama,
operasional. penawaran, negosiasi, dan perlakuan yang sama, memberikan memberi peluang yang sama atas
pemesanan. hasil yang memuaskan dan berarti/ dasar kemampuan, kualitas dan harga
bisa dibanggakan. yang kompetitif.
Partners that support the smooth Communication during the Ease of cooperation and equal Transparencyincooperationprocedures
operation of the Bank’s activities. bidding, negotiation, and treatment, delivering satisfactory andprovidingequalopportunitiesbased
procurement processes. and meaningful results. on capability, quality, and competitive
pricing.
Isu utama yang dibahas dalam bagian ini mencerminkan The key issues discussed in this section reflect the
aspirasi dan ekspektasi yang berkembang di kalangan aspirations and expectations that have developed
pemangku kepentingan, yang selanjutnya ditetapkan among stakeholders, which are subsequently identified
sebagai aspek material atau permasalahan penting as material aspects or significant issues that need to
yang perlu direspons dalam pelaksanaan kegiatan be addressed in the Bank’s business activities.
usaha Bank.
Kode Etik [GRI 2-15] [IDX G-07] Code of Conduct [GRI 2-15] [IDX G-07]
Sebagai pedoman perilaku bagi seluruh insan As a code of conduct for all company personnel, the
perusahaan, Kode Etik menjadi acuan dalam Code of Conduct serves as a guideline in carrying
menjalankan tugas dan tanggung jawab sesuai standar out duties and responsibilities in accordance with
nilai dan ketentuan yang berlaku. Dokumen ini disusun established values and applicable regulations. This
untuk membentuk budaya kerja yang profesional, document is designed to foster a professional work
memperkuat penerapan etika bisnis, serta memastikan culture, strengthen the implementation of business
setiap keputusan dan tindakan mencerminkan ethics, and ensure that every decision and action
integritas serta kepatuhan terhadap peraturan. reflects integrity and compliance with prevailing
regulations.
Penerapan Kode Etik yang dipahami secara menyeluruh The effective implementation of the Code of Conduct,
dan dijalankan secara konsisten menjadi fondasi supported by comprehensive understanding and
penting dalam memperkuat tata kelola perusahaan consistent application, forms an important foundation
yang baik. Melalui komitmen tersebut, Bank tidak hanya in strengthening good corporate governance. Through
menjaga reputasi dan kepercayaan publik, tetapi juga this commitment, the Bank not only safeguards its
menciptakan nilai tambah yang berkelanjutan bagi reputation and public trust but also creates sustainable
seluruh pemangku kepentingan. value for all stakeholders.
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Tata Kelola Keberlanjutan
Sustainable Governance
Maksud dan Tujuan Purpose and Objectives
Tujuan dan maksud dari penetapan kode etik Bank The purpose and objectives of establishing the Code
Artha Graha Internasional yaitu: of Conduct of Bank Artha Graha Internasional are as
follows:
1. Memberikan pemahaman akan prinsip-prinsip 1. To provide an understanding of the principles of
GCG dalam budaya perusahaan yang dinyatakan GCG within the corporate culture as reflected in
dalam etika dan perilaku bisnis yang sesuai Visi dan business ethics and conduct in line with the Bank’s
Misi Bank; Vision and Mission;
2. Mendorong seluruh insan Bank Artha Graha 2. To encourage all personnel of Bank Artha Graha
Internasional berperilaku sesuai GCG dan nilai-nilai Internasional to behave in accordance with GCG
budaya perusahaan; principles and the Company’s cultural values;
3. Mencegah terjadinya penyimpangan atau fraud 3. To prevent irregularities or fraud that may pose
yang berisiko terhadap reputasi Bank; risks to the Bank’s reputation;
4. Menjaga komitmen dalam melaksanakan Visi dan 4. To maintain commitment in implementing the
Misi Bank sesuai dengan nilai-nilai budaya dalam Bank’s Vision and Mission in accordance with
etika dan perilaku bisnis; cultural values reflected in ethical business
conduct and behavior;
5. Menjaga citra Bank di mata masyarakat melalui 5. To maintain the Bank’s image in the eyes of the
kinerja Bank yang baik dengan memperhatikan public through strong performance while upholding
perilaku dan etika berbisnis yang sehat dan sound and sustainable business ethics and
berkesinambungan; conduct;
6. Memberikan pedoman dalam pengelolaan benturan 6. To provide guidance in managing conflicts of
kepentingan dan pengendalian gratifikasi; dan interest and controlling gratification; and
7. Menjaga hubungan dengan pihak eksternal yang 7. To maintain harmonious and mutually beneficial
harmonis dan saling menguntungkan. relationships with external parties.
Pokok-Pokok Kode Etik Key Principles of the Code of Conduct
1. Etika Bisnis 1. Business Ethics
a. Tidak membocorkan atau menyampaikan a. Employees are prohibited from disclosing
dengan cara apapun semua informasi yang or conveying in any manner any information
diketahui oleh karyawan mengenai Bank Artha known to them regarding Bank Artha Graha
Graha Internasional maupun nasabahnya Internasional or its customers to third parties
kepada pihak ketiga (orang lain, nasabah, kawan, (including other individuals, customers, friends,
atau keluarga); or family members);
b. Pada waktu jam kerja dan terlebih lagi sesudah b. During working hours and especially after
jam kerja, karyawan wajib menjaga semua data working hours, employees are required to
dan informasi yang menjadi wewenangnya, safeguard all data and information under
antara lain buku catatan, buku data, laporan, their responsibility, including notebooks, data
dan lain-lain, serta tidak membiarkan data dan records, reports, and other documents, and
informasi tersebut di tempat terbuka, sehingga must not leave such data and information in
dengan mudah bisa dilihat atau dibaca oleh open places where they can easily be seen or
orang lain; read by others;
c. Bila karyawan berhenti bekerja dari Bank c. If an employee resigns from Bank Artha Graha
Artha Graha Internasional, karyawan wajib Internasional, the employee must return
menyerahkan semua catatan data, dokumen, all data records, documents, manuals, and
buku pedoman, dan surat-surat milik Bank Artha correspondence belonging to Bank Artha Graha
Graha Internasional kepada atasan langsung; Internasional to their direct supervisor; and
serta
d. Meskipun karyawan sudah berhenti dari Bank d. Even after leaving employment with Bank
Artha Graha Internasional, karyawan wajib Artha Graha Internasional, employees remain
untuk tetap menjaga rahasia Bank Artha Graha obligated to maintain the confidentiality of the
Internasional dan nasabah yang diketahui oleh Bank and its customers information that they
karyawan tersebut pada pihak lain. obtained during their employment.
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2. Etika Kerja 2. Work Ethics
a. Karyawan tidak dibenarkan mempunyai ikatan kerja a. Employees are not permitted to hold other
lain, baik secara langsung maupun tidak langsung employment relationships, either directly or
dengan badan usaha atau usaha perorangan; indirectly, with other business entities or individual
businesses;
b. Dalam hubungan dengan nasabah atau relasi, b. In their relationships with customers or business
setiap karyawan tidak dibenarkan menerima counterparts, employees are prohibited from
hadiah, berupa barang dan uang yang dapat accepting gifts in the form of goods or money that
mengakibatkan berkurangnya objektivitas may compromise their objectivity in considering
karyawan dalam mempertimbangkan kepentingan the interests expected from such gifts. In situations
yang diharapkan dari pemberian barang tersebut. where an employee is compelled to accept a
Dalam hal karyawan terpaksa menerima pemberian gift and it is difficult to refuse, the employee
dan sulit sekali menolaknya, maka karyawan yang concerned, through their supervisor, must report
bersangkutan, melalui atasannya, wajib melaporkan the matter to the Board of Directors so that an
hal tersebut kepada Direksi untuk dicarikan jalan appropriate resolution can be determined;
keluar yang sebaik-baiknya;
c. Pada prinsipnya, setiap karyawan menyadari c. In principle, every employee understands that the
sepenuhnya bahwa Bank tidak membenarkan Bank does not permit one or more members of the
seorang atau lebih anggota keluarga karyawan same employee’s family to work at the same Bank;
bekerja pada satu Bank yang sama;
d. Setiap karyawan harus mempunyai kesadaran d. Employees must be aware of and refrain from
untuk tidak melakukan tindakan tercela, seperti engaging in improper conduct, such as falsifying
memalsukan dokumen dan tanda tangan, documents or signatures, providing false
memberikan keterangan yang tidak benar kepada information to supervisors or the Bank, or any
atasan atau Bank, serta tindakan ketidakjujuran other acts of dishonesty that may harm or damage
lainnya yang dapat merugikan dan merusak nama the Bank’s reputation, either directly or indirectly;
Bank, baik secara langsung maupun tidak langsung; and
dan
e. Setiap karyawan harus menyadari bahwa setiap e. Employees must also understand that any violation
pelanggaran atau melakukan hal yang menyangkut or act involving dishonesty in relation to the
ketidakjujuran atas ketentuan tersebut di atas, provisions above constitutes sufficient grounds
sudah merupakan alasan yang kuat bagi karyawan for the Bank to impose sanctions, including
untuk menerima tindakan yang akan diambil oleh termination of employment, and may also result
Bank, antara lain pemutusan hubungan kerja, dan in further legal proceedings by the relevant
bahkan melanjutkan pemrosesan perkaranya authorities, even if the employment relationship
kepada pihak berwenang, walaupun sudah tidak has already ended.
mempunyai hubungan kerja sekalipun.
Sosialisasi dan Penyebarluasan Kode Etik Dissemination and Communication of the Code
of Conduct
Sebagai bagian dari penguatan budaya kepatuhan dan As part of strengthening a culture of compliance and
integritas, Bank menyosialisasikan Kode Etik kepada integrity, the Bank disseminates the Code of Conduct
seluruh insan Bank serta pihak-pihak terkait tanpa to all Bank personnel and related parties without
pengecualian, baik internal maupun yang berhubungan exception, both internally and those directly involved in
langsung dengan kegiatan usaha perusahaan. the Company’s business activities. The implementation
Pelaksanaan program sosialisasi tersebut dilakukan of the dissemination program is carried out through
melalui: the following activities:
1. Menyampaikan kepada seluruh karyawan dan 1. Delivering the Code of Conduct to all employees
Direksi Bank melalui e-mail administrator; and members of the Board of Directors through the
administrator’s email;
2. Menyampaikan pada saat penandatanganan 2. Communicating the Code of Conduct during
Perjanjian Kerja Bersama yang dilakukan antara the signing of the Collective Labor Agreement
calon karyawan dengan manajemen Bank; between prospective employees and the Bank’s
management;
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Tata Kelola Keberlanjutan
Sustainable Governance
3. Melakukan pengawasan di setiap unit kerja; dan 3. Conducting supervision in each work unit; and
4. Menandatangani surat pernyataan Pakta Integritas 4. Requiring the signing of an Integrity Pact statement
untuk menaati etika bisnis. to comply with business ethics.
Per 31 Desember 2025, Bank tidak menerima laporan As of December 31, 2025, the Bank did not receive any
adanya pelanggaran Kode Etik sehingga tidak ada reports of Code of Conduct violations; therefore, no
sanksi atau hukuman apapun yang dijatuhkan Bank. sanctions or penalties were imposed by the Bank.
Kebijakan Antikorupsi dan Anti-fraud Anti-Corruption and Anti-Fraud Policy
Penyusunan kebijakan ini mengacu pada ketentuan The formulation of this policy refers to applicable laws
peraturan perundang-undangan yang berlaku, and regulations, including those issued by the Financial
termasuk regulasi dari Otoritas Jasa Keuangan (OJK) Services Authority (OJK) and Bank Indonesia (BI). The
dan Bank Indonesia (BI). Kebijakan ini didasarkan pada policy is based on several key principles as follows:
sejumlah prinsip utama sebagai berikut:
1. Zero Tolerance terhadap Korupsi dan Fraud: [GRI 3-3] 1. Zero Tolerance for Corruption and Fraud: [GRI 3-3]
Tidak ada toleransi terhadap segala bentuk The Bank maintains zero tolerance toward any form
kecurangan, suap, gratifikasi ilegal, maupun of fraud, bribery, illegal gratification, or abuse of
penyalahgunaan wewenang dalam operasional authority within the Company’s operations.
perusahaan.
2. Kepatuhan terhadap Regulasi: 2. Regulatory Compliance:
Memastikan seluruh aktivitas bisnis selaras dengan Ensuring that all business activities are aligned with
peraturan perundang-undangan terkait antikorupsi applicable laws and regulations related to anti-
dan anti-fraud di sektor perbankan. corruption and anti-fraud in the banking sector.
3. Transparansi dan Akuntabilitas: 3. Transparency and Accountability:
Mendorong keterbukaan dalam pelaporan dan Encouraging openness in reporting and investigating
investigasi terhadap indikasi fraud. indications of fraud.
4. Perlindungan bagi Pelapor (Whistleblower 4. Whistleblower Protection:
Protection): Providing a secure Whistleblowing System that
Menyediakan sistem pelaporan pelanggaran enables reporting of violations without pressure or
(Whistleblowing System) yang aman dan bebas dari intimidation.
tekanan atau ancaman.
Bank Artha Graha Internasional berkomitmen dan Bank Artha Graha Internasional is committed and
secara konsisten berupaya memberantas praktik consistently strives to eradicate practices of
korupsi, gratifikasi, dan pencucian uang demi corruption, gratification, and money laundering in
mewujudkan operasional yang bersih dan transparan. order to ensure clean and transparent operations. To
Untuk mendukung agenda nasional pemberantasan support the national agenda for corruption eradication,
korupsi, Bank menjalin kerja sama dengan berbagai the Bank collaborates with various law enforcement
instansi penegak hukum, seperti kejaksaan, kepolisian, agencies, including the prosecutor’s office, the police,
dan Komisi Pemberantasan Korupsi (KPK). Implementasi and the Corruption Eradication Commission. The
komitmen tersebut tercermin dalam praktik bisnis implementation of this commitment is reflected in
yang mengedepankan kejujuran, etika, serta kepatuhan business practices that prioritize honesty, ethics, and
terhadap regulasi yang berlaku. compliance with applicable regulations.
Pengaturan mengenai komitmen antikorupsi dan anti- The commitment to anticorruption and antifraud
fraud dituangkan dalam Pedoman Kebijakan Perseroan is stipulated in the Company’s Policy Guidelines No.
No. 00001.03.1 tanggal 5 November 2025 tentang 00001.03.1 dated November 5, 2025 regarding the
Strategi Anti-Fraud, yang disosialisasikan secara Anti-Fraud Strategy, which is regularly disseminated
berkala kepada seluruh karyawan di Kantor Pusat to all employees at both the Head Office and Branch
maupun Cabang, termasuk tenaga alih daya seperti Offices, including outsourced personnel such as
pengemudi, office boy, dan petugas keamanan. Melalui drivers, office assistants, and security personnel.
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penerapan kebijakan ini, Bank memastikan bahwa Through the implementation of this policy, the Bank
setiap kegiatan usaha dijalankan secara legal, prudent, ensures that all business activities are conducted
dan selaras dengan prinsip tata kelola perusahaan legally, prudently, and in accordance with good
yang baik. Kebijakan antikorupsi tersebut dapat corporate governance principles. The anti-corruption
diintegrasikan dalam Kode Etik maupun ditetapkan policy may be integrated into the Code of Conduct
sebagai regulasi tersendiri yang mengikat seluruh pihak or established as a separate regulation binding on all
terkait. [GRI 205-2] relevant parties. [GRI 205-2]
Sebagai langkah preventif yang sistematis, Bank As a systematic preventive measure, the Bank has
menetapkan berbagai kebijakan dan prosedur untuk established various policies and procedures to
mencegah terjadinya korupsi, suap, fraud, gratifikasi, prevent corruption, bribery, fraud, gratification, and
maupun kickbacks. Kebijakan tersebut mencakup kickbacks. These policies cover the prevention of
pencegahan terhadap seluruh bentuk tindakan korupsi, all forms of corrupt practices, whether in the form
baik dalam bentuk pemberian maupun penerimaan dari of giving or receiving from any party. To support the
pihak mana pun. Dalam mendukung efektivitas strategi effectiveness of the anti-fraud strategy, the Bank
anti-fraud, Bank secara rutin menyelenggarakan regularly conducts anti-fraud awareness programs
sosialisasi budaya anti-fraud kepada seluruh karyawan for all employees and business partners, which are
dan mitra bisnis, yang dilaksanakan bersamaan dengan implemented alongside Anti-Money Laundering and
pelatihan Anti Pencucian Uang dan Pencegahan Counter-Terrorism Financing (AML/CTF) training. Each
Pendanaan Terorisme (APU PPT). Setiap karyawan new employee is also required to attend Code of
baru juga diwajibkan mengikuti pembekalan Kode Conduct orientation that includes anti-fraud policies
Etik yang memuat kebijakan anti-fraud serta and to sign a declaration of commitment as a form of
menandatangani deklarasi komitmen sebagai compliance with these provisions. [GRI 205-2]
bentuk kepatuhan terhadap ketentuan tersebut.
[GRI 205-2]
Konsistensi dan kesungguhan Bank dalam mematuhi The Bank’s consistency and commitment in complying
dan menegakkan regulasi antikorupsi berdampak with and enforcing anti-corruption regulations have
positif dengan tidak adanya insiden korupsi sepanjang resulted in positive outcomes, as there were no
tahun 2025. Oleh karena itu, Bank tidak mengambil corruption incidents recorded throughout 2025.
tindakan tertentu untuk perbaikan, baik tindakan Accordingly, the Bank did not undertake specific
secara internal maupun eksternal, serta tidak terdapat remedial actions, either internally or externally, and
tindakan tertentu terhadap mitra/vendor, misalnya no actions were taken against partners or vendors,
pemutusan kerja sama karena dugaan tindak korupsi. such as termination of cooperation due to suspected
[GRI 2-27, 205-3] corruption. [GRI 2-27, 205-3]
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Tata Kelola Keberlanjutan
Sustainable Governance
Penerapan Anti Pencucian Uang, Pencegahan
Pendanaan Terorisme dan Pencegahan
Pendanaan Proliferasi Senjata Pemusnah
Massal (APU, PPT & PPPSPM)
Implementation of the Anti Money Laundering, Countering
the Financing of Terrorism, and Prevention of the Financing of
Proliferation of Weapons of Mass Destruction (AML, CTF, & PPPSPM)
Programs.
Sebagai wujud peningkatan kewaspadaan terhadap As part of strengthening vigilance against financial
risiko kejahatan keuangan, Bank mengimplementasikan crime risks, the Bank implements the Anti-Money
program Anti Pencucian Uang, Pencegahan Pendanaan Laundering, Counter-Financing of Terrorism, and
Terorisme, dan Pencegahan Pendanaan Proliferasi Prevention of the Financing of Proliferation of Weapons
Senjata Pemusnah Massal (APU, PPT & PPPSPM). of Mass Destruction (AML, CTF & PPPSPM) program.
Program ini dijalankan untuk memperkuat deteksi serta This program is carried out to enhance the detection
mitigasi terhadap aktivitas yang mengarah pada tindak and mitigation of activities that may indicate money
pencucian uang maupun pendanaan terorisme. Dalam laundering or terrorism financing. In its implementation,
pelaksanaannya, APU, PPT & PPPSPM di lingkungan AML, CTF & PPPSPM within the Bank are guided by the
Bank berpedoman pada lima pilar sebagai berikut: following five pillars:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision by the Board of Commissioners
Fungsi pelaksanaan, pengawasan, serta penerapan and the Board of Directors
APU, PPT & PPPSPM telah dilakukan oleh pengurus The functions of implementation, supervision, and
dengan memberikan rekomendasi terhadap enforcement of AML, CTF & PPPSPM have been
Laporan Triwulan yang disampaikan oleh Unit Kerja carried out by the management by providing
AML & CTF; recommendations on the Quarterly Reports
submitted by the AML & CTF Work Unit;
2. Kebijakan dan Prosedur 2. Policies and Procedures
Penerapan program APU PPT tertuang dalam The implementation of the AML/CTF program
Surat Edaran Operasi No. 138.10.2 tanggal 23 is stipulated in Operational Circular Letter No.
Desember 2024 tentang Anti Pencucian Uang, 138.10.2 dated December 23, 2024 concerning
Pencegahan Pendanaan Terorisme dan Pencegahan Anti-Money Laundering, Counter-Financing of
Pendanaan Proliferasi Senjata Pemusnah Massal Terrorism, and Prevention of the Financing of
(APU, PPT & PPPSPM) yang pelaksanaannya terus Proliferation of Weapons of Mass Destruction (AML,
dilaksanakan secara bertahap, konsisten, serta CTF & PPPSPM), which is implemented gradually,
berkesinambungan. Pemeriksaan dilaksanakan consistently, and sustainably. Routine reviews are
secara rutin oleh Unit Kerja AML & CTF pada: conducted by the AML & CTF Work Unit on:
a. Penomoran Customer Identification File (CIF) a. The numbering of Customer Identification Files
nasabah dengan menganut single CIF; (CIF) using the single CIF principle;
b. Kelengkapan data nasabah baru pada system b. The completeness of new customer data in
core banking dan pembaruan data nasabah; the core banking system and the updating of
c. Pengawasan terhadap transaksi keuangan customer data;
nasabah untuk mendeteksi transaksi keuangan c. Monitoring customer financial transactions to
mencurigakan; dan detect suspicious financial transactions; and
d. Pengawasan nasabah berisiko tinggi (high risk d. Monitoring high-risk customers.
customer).
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3. Pengendalian Internal 3. Internal Control
Pemeriksaan rutin dilaksanakan oleh Internal Audit Routine audits are conducted by the Internal
guna melihat efektivitas pelaksanaan program APU, Audit function to assess the effectiveness of the
PPT & PPPSPM pada Kantor Cabang dan Kantor implementation of the AML, CTF & PPPSPM program
Pusat. Hasil pemeriksaan disampaikan dalam at both Branch Offices and the Head Office. The
bentuk Laporan Hasil Pemeriksaan, dimana setiap audit results are presented in the form of an Audit
temuan akan ditindaklanjuti oleh Unit Kerja AML & Report, where each finding will be followed up by
CTF, unit kerja terkait di Kantor Pusat dan Kantor the AML & CTF Work Unit as well as the relevant
Cabang terkait. units at the Head Office and the respective Branch
Offices.
4. Sistem Informasi Manajemen 4. Management Information System
Bank senantiasa mengembangkan sistem informasi The Bank continuously develops information systems
yang dapat mengidentifikasi, menganalisis, memantau, capable of identifying, analyzing, monitoring, and providing
dan menyediakan laporan secara efektif dan efisien. reports effectively and efficiently.
Sistem informasi manajemen tersebut mengidentifikasi The management information system identifies
karakteristik Nasabah dan pola transaksi yang customer characteristics and transaction patterns,
dilakukan untuk kemudian disesuaikan dengan which are then aligned with internal and external
kebutuhan internal maupun eksternal. Saat ini Bank requirements. Currently, the Bank has implemented
sudah mempunyai sistem baru yang disebut aplikasi a system known as the AML/CTF application, which
APU PPT yang telah diimplementasikan pada awal has been in operation since early February 2021.
bulan Februari 2021.
5. Human Capital dan Pelatihan 5. Human Capital and Training
Pelatihan APU, PPT & PPPSPM terus dilakukan AML, CTF & PPPSPM training is conducted continuously
secara berkesinambungan untuk semua karyawan. for all employees. For employees who interact directly
Sedangkan untuk karyawan yang berhadapan with customers and operational staff directly involved
langsung dengan Nasabah dan karyawan pelaksana in the implementation of Anti-Money Laundering,
yang terkait langsung dengan pelaksanaan Counter-Financing of Terrorism, and Prevention of
penerapan Anti Pencucian Uang, Pencegahan the Financing of Proliferation of Weapons of Mass
Pendanaan Terorisme, dan Pencegahan Pendanaan Destruction, training is regularly conducted in the form
Proliferasi Senjata Pemusnah Massal, pelatihan rutin of refresher sessions.
dilakukan dalam bentuk refreshment.
Komunikasi Masalah Penting, Communication of Critical Concerns,
Mekanisme untuk Mencari Nasihat dan Mechanisms for Seeking Advice and
Mengemukakan Masalah, serta Proses Raising Concerns, and Processes for
untuk Memulihkan Dampak Negatif Remediating Negative Impacts [GRI 2-16, 2-26]
[GRI 2-16, 2-26]
Dalam menjaga transparansi dan akuntabilitas, Bank In maintaining transparency and accountability, the
menyediakan saluran komunikasi yang terbuka dan Bank provides open and responsive communication
responsif bagi seluruh pemangku kepentingan untuk channels for all stakeholders to convey issues
menyampaikan isu terkait potensi maupun dampak related to potential or actual negative impacts on
negatif aktual terhadap operasional perusahaan. the Company’s operations. One of the main channels
Salah satu sarana utama yang digunakan adalah utilized is the Whistleblowing System (WBS), which
Whistleblowing System (WBS), yang memungkinkan enables the reporting of suspected violations in a
pelaporan dugaan pelanggaran secara aman, rahasia, secure, confidential, and protected manner.
dan terlindungi.
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Tata Kelola Keberlanjutan
Sustainable Governance
Setiap laporan yang diterima akan melalui proses Each report received will undergo a review and
penelaahan dan analisis oleh Sub Direktorat Antifraud analysis process by the Antifraud Sub Directorate
Direktorat Internal Audit guna memastikan tindak under the Internal Audit Directorate to ensure
lanjut yang tepat dan proporsional. Apabila laporan appropriate and proportionate follow-up actions. If a
memiliki dampak signifikan atau bersifat krusial, Bank report has significant impact or is considered critical,
melibatkan Dewan Komisaris dan Direksi dalam proses the Bank involves the Board of Commissioners and
evaluasi dan pengambilan keputusan melalui forum the Board of Directors in the evaluation and decision-
strategis, seperti rapat Dewan Komisaris, rapat Direksi, making process through strategic forums, such as
maupun rapat gabungan. Mekanisme ini dirancang meetings of the Board of Commissioners, Board of
untuk memastikan setiap permasalahan ditangani Directors meetings, or joint meetings. This mechanism
dengan penuh tanggung jawab dan integritas, serta is designed to ensure that every issue is addressed
langkah pemulihan yang diambil mampu meminimalkan responsibly and with integrity, and that the remedial
dampak negatif yang mungkin timbul. measures taken are able to minimize potential negative
impacts.
Proses untuk Memulihkan Dampak Process to Remediate Negative Impacts
Negatif [GRI 2-25] [GRI 2-25]
Sebagai bagian dari tata kelola yang bertanggung As part of responsible governance practices, the Bank
jawab, Bank menerapkan mekanisme komunikasi yang implements effective communication mechanisms
efektif untuk menangani isu-isu penting, memberikan to address significant issues, provide governance-
nasihat tata kelola, serta memulihkan dampak negatif related advice, and remediate negative impacts that
yang mungkin timbul akibat kegiatan operasional. may arise from its operational activities. This policy
Kebijakan ini disusun Bank agar setiap permasalahan has been established to ensure that any issues can
dapat diidentifikasi, ditindaklanjuti, dan diselesaikan be identified, followed up, and resolved in a systematic
secara sistematis serta akuntabel. and accountable manner.
Sistem Pelaporan Pengaduan Whistleblowing System [GRI 2-23] [FN-CB 510a.2]
Pelanggaran [GRI 2-23] [FN-CB 510a.2]
Dalam upaya menjaga integritas perusahaan, Bank To maintain corporate integrity, the Bank implements
menerapkan Whistleblowing System (WBS) sebagai a Whistleblowing System (WBS) as a reporting
sarana pelaporan untuk mengidentifikasi dan menangani mechanism to identify and address alleged violations
dugaan pelanggaran yang berpotensi menimbulkan that may potentially have negative impacts on
dampak negatif bagi perusahaan maupun pemangku the Company and its stakeholders. This system is
kepentingan. Sistem ini dirancang untuk memantau designed to monitor and follow up on cases related
dan menindaklanjuti kasus yang berkaitan dengan to violations of laws, ethics, and internal policies,
pelanggaran hukum, etika, serta kebijakan internal, including corruption, conflicts of interest, abuse of
termasuk praktik korupsi, benturan kepentingan, authority, and other misconduct that may harm the
penyalahgunaan wewenang, dan pelanggaran lain yang integrity of the Bank’s operations.
dapat merugikan integritas operasional Bank.
Setiap laporan yang disampaikan melalui WBS ini dijamin Each report submitted through the WBS is guaranteed
kerahasian sepenuhnya dengan opsi pelaporan secara full confidentiality, with the option to report
anonim dan independen. Selanjutnya pengaduan yang anonymously and independently. Reports received
masuk akan melalui tahapan verifikasi, klasifikasi, serta will undergo stages of verification, classification, and
investigasi mendalam berdasarkan bukti yang tersedia. thorough investigation based on available evidence.
Penetapan keputusan atas hasil investigasi dilakukan Decisions resulting from the investigation process are
dengan mempertimbangkan tingkat keseriusan determined by considering the severity of the violation,
pelanggaran, unsur kesengajaan, serta motivasi yang the element of intent, and the underlying motivation
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melatarbelakangi tindakan tersebut sehingga sanksi behind the act, ensuring that sanctions or follow-up
atau tindak lanjut dapat diberikan secara objektif dan actions are imposed objectively and fairly.
adil.
Kebijakan Whistleblowing System Whistleblowing System Policy
Bank mengatur kebijakan Whistleblowing System The Bank regulates the Whistleblowing System x
sebagaimana diatur dalam Pedoman Kebijakan as stipulated in the Company Policy Guidelines
Perseroan tentang Pedoman Penerapan Strategi Anti- concerning the Implementation Guidelines for the
Fraud, dan Penyampaian Laporan Pelanggaran dan Anti-Fraud Strategy and the Submission of Violation
Fraud. and Fraud Reports.
Tujuan Whistleblowing System Objectives of the Whistleblowing System
1. Mendeteksi dini dan mencegah terjadinya 1. To detect and prevent irregularities or violations
penyimpangan ataupun pelanggaran di lingkungan within the Bank at an early stage; and
Bank; serta
2. Menciptakan iklim kerja yang sehat, terbuka, tulus, 2. To create a healthy, open, sincere, honest, and
jujur, dan bertanggung jawab di lingkungan Bank. responsible work environment within the Bank.
Prinsip Sistem Pelaporan Pengaduan Pelanggaran Principles of the Whistleblowing System
Sistem ini berlandaskan pada standar internasional dan This system is based on international standards and
regulasi lokal yang mengatur pelaporan pengaduan, local regulations governing complaint reporting, with
dengan prinsip utama sebagai berikut: the following key principles:
1. Kerahasiaan dan Perlindungan Pelapor: 1. Confidentiality and Whistleblower Protection:
Identitas pelapor dijamin kerahasiaannya, serta The identity of the whistleblower is kept confidential
diberikan perlindungan dari tindakan pembalasan. and protected from any form of retaliation.
2. Anonimitas: 2. Anonymity:
Pelapor memiliki opsi untuk mengajukan laporan Whistleblowers have the option to submit reports
secara anonim guna memastikan keamanan dan anonymously to ensure safety and comfort in
kenyamanan dalam menyampaikan informasi. providing information.
3. Independensi dan Transparansi: 3. Independence and Transparency:
Setiap laporan ditindaklanjuti oleh tim independen Each report is followed up by an independent team
untuk memastikan objektivitas dalam proses to ensure objectivity throughout the investigation
investigasi. process.
4. Aksesibilitas: 4. Accessibility
Sistem pelaporan dapat diakses oleh seluruh The reporting system can be accessed by all
karyawan, mitra bisnis, serta pemangku kepentingan employees, business partners, and other stakeholders
lainnya melalui berbagai kanal komunikasi. through various communication channels.
Jenis Pelanggaran Types of Violations
Bentuk pelanggaran yang dapat dilaporkan dan akan The types of violations that may be reported and will
ditindaklanjuti oleh Sub Direktorat Anti Fraud Bank, be followed up by the Bank’s Antifraud Sub-Directorate
yaitu: include:
1. Kecurangan; 1. Fraud;
2. Penipuan; 2. Deception;
3. Penggelapan Aset; 3. Asset misappropriation;
4. Pembocoran Informasi; 4. Information leakage;
5. Tindak Pidana Perbankan; dan 5. Banking crimes; and
6. Tindakan lain yang dapat dipersamakan dengan 6. Other acts that may be categorized as fraud.
fraud.
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Tata Kelola Keberlanjutan
Sustainable Governance
Dalam pelaksanaan kegiatan operasional sehari-hari, In carrying out its daily operational activities, the
Bank mengimplementasikan Strategi Anti Fraud yang Bank implements an Antifraud Strategy that refers to
mengacu pada Peraturan Otoritas Jasa Keuangan No. Financial Services Authority Regulation No. 12 of 2024
12 Tahun 2024 tanggal 23 Juli 2024 tentang Penerapan dated July 23, 2024 concerning the Implementation of
Strategi Anti Fraud bagi Lembaga Jasa Keuangan. Bagi Antifraud Strategies for Financial Services Institutions.
Bank, setiap bentuk pelanggaran terhadap kebijakan For the Bank, any violation of anticorruption and
antikorupsi dan fraud dipandang sebagai pelanggaran anti-fraud policies is considered a serious offense
serius dan akan ditindak secara tegas sesuai ketentuan and will be addressed firmly in accordance with the
yang berlaku sebagaimana diatur dalam Pedoman applicable provisions as stipulated in the Antifraud
Penerapan Strategi Anti Fraud No. 00001.03.1 tanggal Strategy Implementation Guidelines No. 00001.03.1
5 November 2025. Kebijakan ini berlaku bagi seluruh dated November 5, 2025. This policy applies to all
insan Bank, baik karyawan tetap maupun kontrak, Bank personnel, including permanent and contract
termasuk Manajemen, Dewan Komisaris, dan Direksi. employees, Management, the Board of Commissioners,
and the Board of Directors.
Sebagai bagian dari penguatan budaya kepatuhan, As part of strengthening a culture of compliance, the
Bank secara berkelanjutan meningkatkan pemahaman Bank continuously enhances the understanding and
dan kesadaran Human Capital (HC) melalui program awareness of Human Capital (HC) through socialization
sosialisasi terkait penerapan Strategi Anti-Fraud. programs related to the implementation of the
Implementasi strategi tersebut didukung oleh empat Antifraud Strategy. The implementation of this strategy
pilar yaitu: (a) Pencegahan; (b) Deteksi; (c) Investigasi, is supported by four pillars, namely: (a) Prevention; (b)
Pelaporan, dan Sanksi; serta (d) Pemantauan, Evaluasi, Detection; (c) Investigation, Reporting, and Sanctions;
dan Tindak Lanjut. and (d) Monitoring, Evaluation, and Follow-up.
Komitmen terhadap prinsip anti-fraud juga ditegaskan Commitment to antifraud principles is also reinforced
melalui Deklarasi Pernyataan Anti-Fraud yang through the antifraud Declaration Statement delivered
disampaikan kepada seluruh karyawan, yang isinya to all employees, which affirms the commitment to
antara lain menegaskan komitmen untuk bebas dari remain free from practices of bribery, corruption,
praktik suap, korupsi, kolusi, dan nepotisme (KKN). collusion, and nepotism.
Media Pelaporan Reporting Channels
Sub Direktorat Anti Fraud – Direktorat Internal Audit The Anti-Fraud Sub-Directorate under the Internal
menerima laporan pelanggaran dan fraud mengacu Audit Directorate receives reports of violations
kepada Pedoman Kebijakan Perseroan tentang Strategi and fraud in accordance with the Company Policy
Anti Fraud. Pelaporan dapat disampaikan melalui: Guidelines on the Anti-Fraud Strategy. Reports may be
submitted through the following channels:
Surat: Mail:
Sub Direktorat Anti Fraud, Anti-Fraud Sub-Directorate
Gedung Bank Artha Graha Lt. 3, Bank Artha Graha Building, 3rd Floor
Jl. Kopi No. 2, Jakarta Barat 11230 Jl. Kopi No. 2, West Jakarta 11230
e-mail: antifraud@ag.co.id Email: antifraud@ag.co.id
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Mekanisme Penyampaian Laporan Pelanggaran
Mechanism for Submitting Violation Reports
Pelaksana Uraian Dokumen Keterangan
Implementor Description Document Remark
Bukti/dokumen atau
Pelapor Bukti/dokumen informasi
Melaporkan pelanggaran melalui
Implementor lengkap pelanggaran
whisleblowing pelanggaran, minimal:
Complete
Reporting violations via whistleblowing • Identitas pelapor
evidence/documents of
violation (anonim);
• Informasi
pelanggaran;
Petugas Anti Fraud • Pelaku dan pihak
Menerima laporan pelanggaran Hasil identifikasi awal terlibat;
Anti Fraud Officer Complete
Receiving whistleblowing report • Perkiraan kerugian
evidence/documents of
violation terjadi; dan
• Tempat dan waktu
kejadian
Petugas Anti Fraud Evidence/documents or
Anti Fraud Officer Melakukan identifikasi awal information of violation,
Hasil rekomendasi
Carrying out initial identification atleast:
Recommendation result
• Whistleblower’s
identity (anonymous);
• Information about
violation;
Petugas Anti Fraud Menyusun rekomendasi hasil • Suspect and
Anti Fraud Officer identifikasi awal implicated parties;
Developing recommendations for initial • Estimated damage;
identification and
• Place and time of
incident
EO Anti Fraud Memeriksa dan menandatangani rekomendasi hasil identifikasi
EO Anti Fraud awal
Checking and signing the recommendation for initial identification result
Keputusan identifikasi
awal, yakni:
Perubahan • Dihentikan, jika tidak
Changes
memenuhi
persyaratan
identifikasi awal; dan
• Dilanjutkan ke tahap
investigasi, sesuai
Surat Tugas dengan pengaduan.
Deputi Direktur Menerima dan memutuskan
tindak lanjut Assignment Letter
Deputy Director Initial identification
Accepting and deciding the follow decision, i.e.:
up action • Dropped, if it is not
Hasil identifikasi awal eligible for initial
Initial identification identification; and
• Proceeded to
investigation stage,
Investigasi Dihentikan based on the
Keputusan
Investigation Dropped complaint.
Decision
Tim AF
AF Team
Pihak yang Mengelola Pengaduan Party Responsible for Managing Complaints
Sub Direktorat AntiFraud adalah pihak yang bertanggung The Antifraud Sub-Directorate is responsible for
jawab dalam mengelola whistleblowing system Bank. managing the Bank’s Whistleblowing System.
Perlindungan bagi Whistleblower Protection for Whistleblowers
Bank akan memberikan perlindungan terhadap pelapor The Bank provides protection to whistleblowers whose
yang terbukti kebenarannya, di antaranya: reports are proven to be valid, including:
1. Memberikan jaminan kerahasiaan identitas pelapor 1. Guaranteeing the confidentiality of the whistleblower’s
dan isi laporan yang disampaikan; identity and the contents of the report submitted;
2. Memberikan jaminan perlindungan terhadap 2. Providing protection against any form of retaliatory
perlakuan yang merugikan pelapor; dan; or detrimental treatment toward the whistleblower;
and
3. Memberikan jaminan perlindungan dari kemungkinan 3. Providing protection from potential threats,
adanya tindakan ancaman, intimidasi, hukuman intimidation, punishment, or other forms of adverse
ataupun tindakan tidak menyenangkan lainnya dari actions from the reported party.
pihak terlapor.
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Tata Kelola Keberlanjutan
Sustainable Governance
Penanganan Pengaduan Complaint Handling
Tahapan penanganan pengaduan yang diterima Bank: The stages of handling complaints received by the
Bank are as follows:
1. Adanya Informasi atas dugaan suatu tindakan fraud; 1. Receipt of information regarding an alleged fraud
2. Bukti-bukti terkait dengan tindakan yang patut incident.
diduga/dicurigai, kemudian dikumpulkan dan 2. Collection and verification of evidence related to
dilakukan verifikasi; the suspected or alleged fraudulent act.
3. Melakukan identifikasi awal, serta menyusun 3. Conducting preliminary identification and preparing
rekomendasi atas hasil identifikasi tersebut; recommendations based on the identification
results.
4. Memberikan keputusan tindak lanjut, jika terindikasi 4. Determining follow-up actions. If fraud is indicated,
fraud, maka dilakukan pemeriksaan secara a comprehensive investigation will be carried out.
menyeluruh;
5. Melaksanakan identifikasi terkait kelemahan dan 5. Identifying weaknesses and the causes of the fraud,
penyebab terjadinya fraud, serta menentukan as well as determining further measures, including
langkah selanjutnya termasuk salah satunya strengthening the Bank’s internal control system.
memperkuat sistem pengendalian internal Bank;
dan
6. Membuat laporan kepada Direktur Utama dengan 6. Preparing a report to the President Director with
tembusan kepada Dewan Komisaris. a copy submitted to the Board of Commissioners.
Sosialisasi Whistleblowing System Whistleblowing System Socialization
Seluruh karyawan dan mitra bisnis Bank diwajibkan All employees and business partners of the Bank are
untuk mematuhi serta mengimplementasikan kebijakan required to comply with and consistently implement
antikorupsi secara konsisten dalam setiap aktivitas the anti-corruption policy in every work activity. To
kerja. Dalam rangka meningkatkan efektivitas penerapan enhance the effectiveness of the Whistleblowing
Whistleblowing System sepanjang tahun 2025, Bank System throughout fiscal year 2025, the Bank, through
melalui Sub Direktorat Antifraud telah menyelenggarakan the Antifraud Sub-Directorate, conducted antifraud
program sosialisasi antifraud di seluruh kantor cabang dan socialization programs across all branch offices and
kantor cabang pembantu Bank. Kegiatan tersebut juga sub-branch offices. These activities also involved
mencakup karyawan outsourcing, termasuk pengemudi outsourced personnel, including drivers, office
(driver), petugas kebersihan (office boy), dan petugas assistants, and security personnel, to ensure uniform
keamanan (security), guna memastikan pemahaman dan understanding and commitment across all operational
komitmen yang merata di seluruh lini operasional. levels.
Jumlah Pengaduan yang Masuk dan Diproses Number of Complaints Received and Processed
pada Tahun 2025 in 2025
Selama tahun 2025, Bank tidak menerima pengaduan Throughout 2025, the Bank did not receive any reports
pelanggaran melalui jalur Whistleblowing System. of violations through the Whistleblowing System
Namun, apabila terdapat pengaduan pelanggaran channel. However, if any violation reports are received
yang masuk dan setelah diinvestigasi terbukti sebagai and subsequently proven through investigation,
pelanggaran maka dikenakan sanksi sesuai dengan sanctions will be imposed in accordance with
peraturan yang berlaku. [FN-CB-510a.1] applicable regulations. [FN-CB-510a.1]
Jumlah Insiden Fraud
Number of Fraud Incidents
Tindakan Karyawan Mitra Bisnis
Action Employees Business Partners
Surat Peringatan
1 -
Warning Letter
Pemutusan Hubungan Kerja
1 -
Termination of Employment
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Bank menilai bahwa kebijakan serta program sosialisasi The Bank considers that the policies and socialization
terkait antikorupsi dan antifraud telah diimplementasikan programs related to anticorruption and antifraud
secara efektif. Kendati demikian, Bank tetap berkomitmen have been implemented effectively. Nevertheless, the
untuk menjalankan seluruh kegiatan usaha secara bersih Bank remains committed to conducting all business
dan transparan, dengan senantiasa menjunjung tinggi activities in a clean and transparent manner while
prinsip moralitas dan etika bisnis. [GRI 3-3] consistently upholding the principles of morality and
business ethics. [GRI 3-3]
Etika Usaha dan Tata Perilaku
Business Ethics and Code of Conduct
Sebagai pedoman perilaku organisasi, Bank menetapkan As a guideline for organizational conduct, the Bank
Pedoman Etika Usaha dan Tata Perilaku yang memuat establishes the Business Ethics and Code of Conduct
nilai-nilai etika dan standar perilaku bagi seluruh Insan Guidelines, which contain ethical values and behavioral
Bank Artha Graha Internasional, yang meliputi: standards for all personnel of Bank Artha Graha
Internasional, including:
1. Standar Etika Usaha 1. Business Ethics Standards
Mengatur interaksi Bank dengan karyawan, Nasabah, Regulating the Bank’s interactions with employees,
penyedia barang dan jasa, mitra kerja, pemerintah, customers, suppliers of goods and services, business
auditor, masyarakat, mitra binaan, dan lingkungan, partners, the government, auditors, the community,
Serikat Pekerja, Organisasi Profesi, serta Perguruan partner beneficiaries, and the environment, as well
Tinggi; as labor unions, professional organizations, and
universities.
2. Standar Tata Perilaku 2. Code of Conduct Standards
Mengatur sikap dasar individu, etika kerjasama Regulating individual attitudes, the ethics
Insan Bank Artha Graha Internasional dengan of cooperation between Bank Artha Graha
Bank, etika kerja sesama Insan Bank Artha Graha Internasional personnel and the Bank, work ethics
Internasional, perilaku sebagai atasan, perilaku among Bank Artha Graha Internasional personnel,
sebagai bawahan, menjaga kerahasiaan data conduct as a supervisor, conduct as a subordinate,
dan informasi Bank, menjaga aset Bank, menjaga maintaining the confidentiality of the Bank’s data
Keselamatan dan Kesehatan Kerja (K3), mencatat and information, safeguarding the Bank’s assets,
data dan pelaporan, menghindari benturan maintaining Occupational Health and Safety (OHS),
kepentingan dan penyalahgunaan jabatan, kegiatan data recording and reporting, avoiding conflicts of
berpolitik, hadiah, cendera mata, donasi, komisi interest and abuse of authority, political activities,
dan suap, dan penyalahgunaan narkotika dan obat gifts, souvenirs, donations, commissions and
terlarang (narkoba), dan minuman keras; dan bribery, as well as the misuse of narcotics, illegal
drugs, and alcoholic beverages.
3. Penerapan dan Penegakan Standar Etika Usaha dan 3. Implementation and Enforcement of Business
Tata Perilaku Ethics and Code of Conduct Standards
Mengatur tentang organisasi, penegakan etika Regulating organizational arrangements, enforcement
usaha dan tata perilaku, sanksi pelanggaran etika of business ethics and code of conduct, sanctions
usaha dan tata perilaku, sosialisasi dan interaksi, for violations, socialization and interaction, as well as
serta mekanisme pembaruan/revisi etika usaha dan mechanisms for updating or revising the business
tata perilaku. ethics and code of conduct guidelines.
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Tata Kelola Keberlanjutan
Sustainable Governance
Dalam upaya memastikan Kode Etik dipahami dan To ensure that the Code of Conduct is understood and
diterapkan secara konsisten oleh seluruh Insan consistently implemented by all Company personnel,
Perseroan, Bank telah melakukan sosialisasi secara the Bank has conducted comprehensive socialization
menyeluruh serta mendistribusikan Buku Saku Kode and distributed a Code of Conduct handbook to
Etik kepada seluruh pegawai. Selain itu, setiap Insan all employees. In addition, each Bank personnel is
Bank diwajibkan menandatangani Surat Pernyataan required to sign a Statement Letter declaring their
yang menyatakan komitmen untuk mematuhi seluruh commitment to comply with all provisions contained
ketentuan yang tercantum dalam Pedoman tersebut, in the guidelines, as a demonstration of commitment
sebagai bentuk kesungguhan dalam menjunjung tinggi to upholding compliance and integrity.
kepatuhan dan integritas.
Budaya Kepatuhan Bank
Bank Compliance Culture
Dalam membangun organisasi yang patuh terhadap In building an organization that adheres to regulatory
regulasi, Bank menanamkan budaya kepatuhan requirements, the Bank instills a culture of compliance
di seluruh lini kerja. Penguatan fungsi kepatuhan across all operational levels. The strengthening of the
dituangkan dalam kebijakan resmi berupa Surat compliance function is stipulated in formal policies
Keputusan Direksi maupun Surat Edaran Direksi yang in the form of Board of Directors’ Decrees and
mengatur pelaksanaan Fungsi Kepatuhan. Kebijakan Circular Letters governing the implementation of the
tersebut memastikan seluruh aktivitas operasional Compliance Function. These policies ensure that all
berjalan sesuai dengan peraturan perundang- operational activities are carried out in accordance
undangan, perjanjian kerja sama, serta regulasi terkait with applicable laws and regulations, cooperation
produk dan layanan perbankan. agreements, as well as regulations related to banking
products and services.
Penerapan Kode Etik diberlakukan kepada seluruh The implementation of the Code of Conduct applies
jajaran, termasuk Dewan Komisaris, Direksi, dan Pegawai, to all levels of the organization, including the Board of
sebagai pedoman dalam menjalankan aktivitas bisnis Commissioners, the Board of Directors, and employees,
dan berinteraksi dengan pemangku kepentingan. as a guideline in conducting business activities
Keberhasilan implementasi Kode Etik menjadi tanggung and interacting with stakeholders. The successful
jawab bersama, dengan peran aktif setiap pimpinan implementation of the Code of Conduct is a shared
unit kerja dalam memastikan kepatuhan terhadap responsibility, with each head of work unit playing an
standar etika yang telah ditetapkan. active role in ensuring adherence to the established
ethical standards.
Permasalahan terhadap Penerapan Issues Regarding the Implementation of
Kegiatan Berkelanjutan [OJK E.5] Sustainability Initiatives [OJK E.5]
Sepanjang tahun 2025, Bank menghadapi sejumlah Throughout 2025, the Bank faced a number of
tantangan dan permasalahan dari pihak eksternal challenges and issues from external parties in
dalam menerapkan keuangan berkelanjutan yaitu : implementing sustainable finance, namely:
1. Tingkat pemahaman nasabah dan mitra kerja terhadap 1. The level of understanding of customers and
prinsip serta implementasi keuangan berkelanjutan business partners regarding the principles and
dalam kegiatan usahanya masih terbatas; implementation of sustainable finance in their
business activities is still limited;
2. Ketentuan dan regulasi terkait keuangan berkelanjutan 2. Regulations and provisions related to sustainable
masih dalam tahap pengembangan dan penyempurnaan finance are still in the process of development and
sehingga memerlukan penyesuaian berkelanjutan; dan refinement, thus requiring continuous adjustments;
and
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3. Dukungan berupa kebijakan, stimulus, dan insentif 3. Support in the form of policies, stimulus, and incentives
dari berbagai instansi pemerintah masih dibutuhkan from various government institutions is still needed
untuk memperkuat peran dan partisipasi lembaga jasa to strengthen the role and participation of financial
keuangan dalam mendorong implementasi keuangan institutions in encouraging the implementation of
berkelanjutan. sustainable finance.
Untuk menjawab permasalahan tersebut, Bank telah To address these issues, the Bank has established
menetapkan berbagai strategi dan solusi yaitu: various strategies and solutions, namely:
1. Secara bertahap mulai melakukan klasifikasi debitur 1. Gradually initiating the classification of debtors
berdasarkan Taksonomi untuk Keuangan Berkelanjutan based on the Indonesian Sustainable Finance
Indonesia (TKBI) agar nasabah secara bertahap mulai Taxonomy so that customers gradually become
sadar mengenai keuangan berkelanjutan; more aware of sustainable finance;
2. Bank telah memiliki unit kerja yang bertanggung 2. The Bank has established a work unit responsible
jawab terkait keuangan berkelanjutan; for sustainable finance;
3. Bank secara proaktif melakukan penyesuaian 3. The Bank proactively makes adjustments to policies
kebijakan dan prosedur agar selaras dengan and procedures to align with the development of
perkembangan ketentuan dan regulasi keuangan sustainable finance regulations and provisions; and
berkelanjutan; dan
4. Mengembangkan produk pembiayaan yang selaras 4. Developing financing products that are aligned with
dengan keuangan berkelanjutan. sustainable finance.
Selain tantangan eksternal, Bank juga menghadapi beberapa In addition to external challenges, the Bank also faced
permasalahan internal dalam mengimplementasikan several internal issues in implementing sustainable
keuangan berkelanjutan yaitu: finance, namely:
1. Tingkat pemahaman serta kapabilitas internal 1. The level of internal understanding and capability
terkait penerapan prinsip keuangan berkelanjutan regarding the implementation of sustainable finance
masih belum merata di seluruh unit kerja; dan principles is still not evenly distributed across all work
units; and
2. Diperlukan peningkatan kesiapan sistem dan 2. There is a need to improve system readiness and
penyempurnaan proses bisnis guna mendukung refine business processes to support the optimal
integrasi aspek keuangan berkelanjutan secara integration of sustainable finance aspects into the
optimal dalam kegiatan operasional dan bisnis Bank. Bank’s operational and business activities.
Guna mengatasinya, Bank telah mengambil langkah To address these issues, the Bank has taken strategic
strategis dan solusi berupa: steps and solutions, namely:
1. Menyelenggarakan pelatihan terkait keuangan 1. Conducting training related to sustainable finance;
berkelanjutan;
2. Mengikuti sosialisasi, pelatihan, dan workshop yang 2. Participating in socialization, training, and workshops
diselenggarakan oleh regulator; organized by regulators;
3. Melakukan review dan penyesuaian prosedur mengenai 3. Conducting reviews and adjustments of procedures
keuangan berkelanjutan; related to sustainable finance;
4. Menerapkan implementasi keuangan berkelanjutan 4. Implementing sustainable finance gradually; and
secara bertahap; dan
5. Menyusun dan melakukan penyesuaian kertas kerja 5. Preparing and periodically adjusting working
secara berkala agar sesuai dengan ketentuan dan papers to comply with regulations and standards
standar yang ditetapkan oleh regulator. set by the regulator.
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Tata Kelola Keberlanjutan
Sustainable Governance
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Memperkuat Pertumbuhan Berkelanjutan Strenghten Sustainable Growth
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07
Page 126
Sekilas Ekonomi Global dan Nasional
Overview of the Global and National Economy
Tahun 2025 menunjukkan perekonomian global yang In 2025, the global economy demonstrated resilience
tangguh meski dihadapkan pada ketidakpastian seperti despite facing uncertainties such as trade tensions
ketegangan perdagangan dan perlambatan di beberapa and slowdowns in several major economies. The IMF
negara besar. IMF merevisi proyeksi pertumbuhan GDP revised its global GDP growth projection for 2025 to
global menjadi 3,2% untuk 2025, naik dari estimasi 3.2%, up from the initial estimate of 3% released in April,
awal 3% pada April, berkat kondisi keuangan yang lebih supported by looser financial conditions and lower-
longgar dan tarif yang lebih rendah dari ekspektasi. than-expected tariffs. The World Bank and the IMF
World Bank dan IMF juga mencatat ketahanan ekonomi also noted the global economy’s ability to withstand
dunia terhadap guncangan dengan inflasi yang terus shocks, with global inflation continuing to decline to
menurun ke 4,2% secara global. Namun, pertumbuhan 4.2%. Nevertheless, growth remains below the pre-
ini masih di bawah rata-rata pra-pandemi, dipengaruhi pandemic average, influenced by rising protectionism
oleh proteksionisme dan fragmentasi perdagangan. and trade fragmentation.
Menurut IMF, perekonomian AS diproyeksikan tumbuh According to the IMF, the United States economy is
2%, China melambat ke 4,8%, sementara Euro Area dan projected to grow by 2%, China is expected to slow
Inggris sekitar 1,2-1,3%. Faktor pendukung termasuk to 4.8%, while the Euro Area and the United Kingdom
ekspansi fiskal di beberapa yurisdiksi dan pelemahan are projected to grow at around 1.2–1.3%. Supporting
dolar AS, meski risiko downside dari perang dagang factors include fiscal expansion in several jurisdictions
AS-China tetap tinggi. Secara keseluruhan, IMF and the weakening of the US dollar, although downside
menyebut ekonomi global "resilient yet fragile" di risks stemming from the US–China trade conflict
tengah penyesuaian kebijakan proteksionis. remain elevated. Overall, the IMF characterizes the
global economy as “resilient yet fragile” amid ongoing
adjustments to protectionist policies.
Sementara itu, Badan Pusat Statistik (BPS) mencatat Meanwhile, Statistics Indonesia recorded Indonesia’s
pertumbuhan ekonomi Indonesia sepanjang 2025 economic growth in 2025 at 5.11%, higher than the
mencapai 5,11%, lebih tinggi dibandingkan capaian 2024 growth rate of 5.03%. From the production side,
tahun 2024 yang mengalami pertumbuhan sebesar the “Other Services” sector posted the highest growth
5,03 %. Dari sisi produksi, Lapangan Usaha Jasa Lainnya at 9.93%. From the expenditure side, exports of goods
mengalami pertumbuhan tertinggi sebesar 9,93%. and services recorded the highest growth, reaching
Sementara itu, dari sisi pengeluaran, Komponen Ekspor 7.03%. Indonesia’s economic growth exceeded the
Barang dan Jasa mengalami pertumbuhan tertinggi projections of the IMF at 4.9% and the World Bank at
sebesar 7,03%. Pertumbuhan ekonomi Indonesia 4.8%.
tersebut lebih tinggi dibandingkan proyeksi IMF sebesar
4,9%, dan World Bank sebesar 4,8%.
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Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Pertumbuhan Produk Domestik Bruto (PDB) 2015-2025 persen
Gross Domestic Product (GDP) Growth 2015-2025 percent
4,88 5,03 5,07 5,17 5,02 5,31 5,11
3,70 5,05 5,03
-2,07
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Sumber: Berita Resmi Statistik BPS, 5 Februari 2026
Source: Statistics Indonesia (BPS) Official News Release, February 5, 2026
Kinerja Lapangan Usaha Jasa Keuangan Performance of the Financial Services
2025 Sector in 2025
Pertumbuhan ekonomi Indonesia ditopang oleh tumbuhnya Indonesia’s economic growth was supported by the
hampir semua lapangan usaha. Menurut BPS, lima lapangan expansion of nearly all business sectors. According to
usaha dengan kontribusi terbesar terhadap ekonomi yakni Statistics Indonesia, the five sectors with the largest
Industri Pengolahan, Perdagangan, Pertanian, Konstruksi, contributions to the economy were Manufacturing, Trade,
dan Pertambangan. Sedangkan lapangan usaha dengan Agriculture, Construction, and Mining. Meanwhile, sectors
pertumbuhan tinggi meliputi Jasa Lainnya, didorong oleh recording high growth included Other Services, driven
peningkatan aktivitas rekreasi sejalan peningkatan jumlah by increased recreational activities in line with rising
wisatawan nusantara dan wisatawan mancanegara; Jasa numbers of domestic and international tourists; Business
Perusahaan, tumbuh didukung oleh peningkatan aktivitas Services, supported by higher activity of travel agents
agen perjalanan dan penyelenggaraan berbagai event and the organization of various national and international
nasional dan internasional; Transportasi & Pergudangan, events; as well as Transportation and Warehousing,
ditopang oleh peningkatan jumlah penumpang di berbagai underpinned by an increase in passenger volumes across
moda transportasi, serta peningkatan aktivitas pengiriman various modes of transportation and higher domestic and
barang baik domestik maupun luar negeri. international freight activities.
Terkhusus lapangan usaha Jasa Keuangan, termasuk di Specifically, the Financial Services sector, including the
dalamnya industri perbankan, pada tahun 2025 tumbuh banking industry, grew by 3.96% in 2025, representing
sebesar 3,96%, mengalami penurunan dibanding tahun a slowdown compared to growth of 4.74% in 2024. With
2024 dengan pertumbuhan sebesar 4,74%. Berkaitan regard to credit growth, in 2025 the Financial Services
dengan realisasi pertumbuhan kredit, tahun 2025, Otoritas Authority (OJK) recorded that, as of December 2025,
Jasa Keuangan (OJK) mencatat hingga Desember 2025, banking credit growth reached 9.63% year on year
pertumbuhan kredit perbankan mencapai 9,63% secara (yoy), an increase compared to November 2025,
tahunan (year on year/yoy), meningkat dibandingkan which stood at 7.74% yoy, with total outstanding credit
November 2025, yang tercatat sebesar 7,74% yoy, amounting to IDR8,586 trillion. Credit growth was
dengan total penyaluran kredit mencapai Rp8.586 primarily driven by investment loans, which recorded
triliun. Pertumbuhan kredit terutama ditopang oleh the highest growth at 20.81% yoy. Meanwhile, consumer
kredit investasi yang mencatatkan pertumbuhan tertinggi loans grew by 6.58% yoy and working capital loans
sebesar 20,81% yoy. Sementara itu, kredit konsumsi increased by 4.52% yoy.
tumbuh 6,58% yoy dan kredit modal kerja meningkat
4,52% yoy.
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Sejalan dengan meningkatnya penyaluran kredit, In line with the increase in credit disbursement, the
penghimpunan Dana Pihak Ketiga (DPK) juga menunjukkan collection of Third Party Funds also recorded strong
pertumbuhan yang kuat sebesar 13,83% secara tahunan growth of 13.83% yoy, reaching IDR10,059 trillion. This
(yoy) hingga mencapai Rp10.059 triliun. Kinerja tersebut performance was supported by demand deposits,
ditopang oleh pertumbuhan giro sebesar 19,13% yoy, diikuti which grew by 19.13% yoy, followed by time deposits
deposito yang tumbuh 14,28% yoy, serta tabungan yang at 14.28% yoy, and savings deposits, which increased
meningkat 8,19% yoy. by 8.19% yoy.
Dari sisi likuiditas, kondisi industri perbankan tetap From a liquidity perspective, the banking industry
berada pada tingkat yang memadai dan terjaga remained in a sound and well-maintained condition.
dengan baik. Rasio Alat Likuid terhadap Non-Core The ratio of Liquid Assets to Non-Core Deposits was
Deposit (AL/NCD) tercatat sebesar 126,15% dan rasio recorded at 126.15%, while the ratio of Liquid Assets to
Alat Likuid terhadap Dana Pihak Ketiga (AL/DPK) Third Party Funds stood at 28.57%, both significantly
sebesar 28,57%, yang berada jauh di atas ambang above the stipulated thresholds. In addition, the
batas yang ditetapkan. Selain itu, Liquidity Coverage Liquidity Coverage Ratio (LCR) remained at a high level
Ratio (LCR) juga berada pada level yang tinggi, yakni of 200.97%. From a risk perspective, banking credit
sebesar 200,97%. Sementara itu, dari aspek risiko, quality remained well maintained, with the gross Non-
kualitas kredit perbankan tetap terjaga dengan baik. Performing Loan (NPL) ratio recorded at 2.05% and net
Rasio kredit bermasalah (Non-Performing Loan/NPL) NPL at 0.79%, while Loan at Risk (LaR) continued to
gross tercatat sebesar 2,05% dan NPL net sebesar decline to 8.77%.
0,79%, sedangkan Loan at Risk (LaR) menunjukkan tren
penurunan menjadi 8,77%.
Inisiatif dan Kebijakan Strategis Bank Strategic Initiatives and Policies of the
Tahun 2025 Bank in 2025
Sebagai salah satu bank yang memiliki peran signifikan As a bank with a significant role in the national
dalam industri perbankan nasional, Bank Artha Graha banking industry, Bank Artha Graha Internasional also
Internasional turut menghadapi tantangan berupa faced challenges in the form of a slowdown in the
perlambatan kinerja lapangan usaha jasa keuangan, performance of the financial services sector, including
termasuk sektor perbankan, pada tahun 2025. the banking industry, in 2025. In response to these
Merespons kondisi tersebut, pada tahun 2025 Bank conditions, in 2025 the Bank established strategic
menetapkan inisiatif dan kebijakan strategis yang initiatives and policies focused on strengthening credit
difokuskan pada penguatan manajemen risiko kredit risk management through the formation of adequate
melalui pembentukan pencadangan yang memadai provisions as a manifestation of the application of the
sebagai wujud penerapan prinsip kehati-hatian. prudential principle. Allowance for Impairment Losses
Cadangan Kerugian Penurunan Nilai (CKPN) menjadi serves as a key instrument in anticipating potential
instrumen utama dalam mengantisipasi potensi losses arising from a deterioration in the quality of
kerugian akibat penurunan kualitas aset produktif, earning assets, maintaining balance sheet soundness,
menjaga kesehatan neraca, serta memastikan stabilitas and ensuring the stability of the Bank’s financial
kinerja keuangan Bank. Kebijakan ini dilaksanakan performance. This policy is implemented in line with
sejalan dengan ketentuan Otoritas Jasa Keuangan the provisions of the Financial Services Authority
(OJK) dan standar akuntansi yang berlaku, sekaligus (OJK) and applicable accounting standards, while also
memperkuat kepercayaan regulator, investor, dan strengthening the confidence of regulators, investors,
nasabah terhadap tata kelola risiko Bank. and customers in the Bank’s risk governance.
Di saat yang sama, Bank tetap menjalankan strategi At the same time, the Bank continued to pursue a
pertumbuhan yang terukur dengan menetapkan tiga measured growth strategy by setting three main
fokus utama, yakni ekspansi kredit secara prudent, priorities, namely prudent credit expansion, increasing
peningkatan Dana Pihak Ketiga (DPK), dan peningkatan Third Party Funds, and enhancing digital transactions.
transaksi digital. Penyaluran kredit diarahkan pada Credit distribution was directed toward the Wholesale,
segmen Wholesale, SME Ritel, dan Konsumer melalui Retail SME, and Consumer segments through a
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Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
pendekatan selektif berbasis profil risiko. Untuk selective approach based on risk profiles. To support
mendukung pertumbuhan DPK, Bank mengadakan DPK growth, the Bank implemented various attractive
berbagai program promosi yang menarik, sedangkan promotional programs, while the strengthening of
penguatan transaksi digital dilakukan melalui beberapa digital transactions was carried out through several
inisiatif seperti Digital Apps Enhancement, Payment initiatives, including Digital Apps Enhancement, the
Ecosystem dan kerja sama strategis dengan mitra Payment Ecosystem, and strategic cooperation with
bisnis (B2B partnership). business partners (B2B partnerships).
Selanjutnya, dalam mengantisipasi dinamika ekonomi Furthermore, in anticipating global economic dynamics
global yang ditandai oleh fluktuasi nilai tukar dan marked by exchange rate fluctuations and upward
tekanan kenaikan harga akibat peningkatan harga price pressures resulting from rising oil prices, the
minyak, Bank secara proaktif melakukan asesmen Bank proactively conducted assessments of debtors
terhadap para debitur yang terdampak, baik secara affected, both directly and indirectly. With strong
langsung maupun tidak langsung. Dengan fundamental financial fundamentals and well-maintained total
keuangan yang tetap kuat dan total modal yang terjaga, capital, the Bank undertook business strengthening
Bank melakukan langkah penguatan bisnis melalui measures through provisioning for lower-quality assets
pencadangan atas aset-aset berkualitas rendah tanpa without eroding its capital base. This approach not
menggerus permodalan. Pendekatan ini tidak hanya only preserves the Bank’s resilience, but also enables
menjaga ketahanan Bank, tetapi juga memungkinkan the Bank to continue supporting local industries,
Bank untuk terus mendukung industri lokal, khususnya particularly the retail, SME, and micro sectors, while
sektor ritel, SME, dan mikro, serta mempersiapkan preparing a stronger position to capture new business
posisi yang lebih solid dalam menangkap peluang opportunities in 2026.
bisnis baru pada tahun 2026.
Di luar strategi di atas, Bank telah merumuskan inisiatif In addition to the strategies outlined above, the Bank
dan kebijakan strategis tahun 2025 sebagaimana has formulated strategic initiatives and policies for
disampaikan dalam Rencana Bisnis Bank Tahun 2025 2025 as set out in the Bank Business Plan for 2025,
sebagai berikut: as follows:
1. Diversifikasi produk pembiayaan melalui
implementasi digital lending untuk keperluan 1. Diversification of financing products through the
konsumtif maupun modal kerja dengan pemanfaatan implementation of digital lending for consumer and
Big Data analytic serta scoring engine. working capital needs, utilizing Big Data analytics
2. Solusi pembiayaan untuk UMKM dan sektor ekonomi and scoring engines.
mikro, termasuk pedagang pasar, pertanian, dan 2. Financing solutions for SMEs and the microeconomic
perikanan, serta dukungan dalam pendanaan rantai sector, including market vendors, agriculture,
pasokan, pendanaan untuk distributor, dan lembaga and fisheries, as well as support for supply chain
keuangan serta koperasi yang telah mendapatkan financing, financing for distributors, and financial
pelatihan. institutions and cooperatives that have received
3. Pengembangan bisnis ke supply chain financing & training.
distributor financing dari debitur eksisting maupun 3. Business expansion into supply chain financing
debitur baru dengan meningkatkan transaksi and distributor financing for both existing and new
pembayaran baik offline maupun online. borrowers by increasing payment transactions
4. Fokus pada penghimpunan dana murah berbasis both offline and online.
mobile yang terhubung dengan e-Commerce, 4. Focus on low-cost mobile-based fund mobilization
fintech, dan merchant. Produk pendanaan seperti connected to e-commerce, fintech, and merchants.
tabungan milenial, tabungan masa depan, produk Financing products such as millennial savings,
investasi, tabungan emas dan lain-lain. future savings, investment products, gold savings,
and others.
5. Penawaran produk dan sosialisasi produk treasury 5. Offering and promoting treasury products such
seperti layanan transaksi valas TT, Bank Notes dan as TT foreign exchange transaction services, Bank
penyediaan produk Hedging / Lindung Nilai sesuai Notes, and providing Hedging/Risk Mitigation
dengan kebutuhan nasabah. products tailored to customer needs.
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6. Akselerasi kolaborasi dengan mitra bisnis, baik 6. Accelerating collaboration with business partners,
dari penghimpunan dan penyaluran dana, untuk both in fund mobilization and disbursement, to
mendorong akuisisi nasabah dan transaksi melalui drive customer acquisition and transactions
integrasi sistem berbasis teknologi dalam kaitan through technology-based system integration in
membangun ekosistem digital. building a digital ecosystem.
7. Secara aktif menjalin kerjasama bisnis dengan grup 7. Actively establish business partnerships with
usaha (AGG / AGN). Melakukan cross selling dan business groups (AGG/AGN). Conduct cross-
value chain financing dengan jaringan usaha yang selling and value chain financing with the business
dimiliki AG Network dan nasabah/debitur eksisting network owned by AG Network and existing
guna menambah customer base Bank. Intensifikasi customers/borrowers to expand the Bank’s
bisnis menggunakan sistem closed loop yang customer base. Intensify business operations using
berisiko rendah, melihat besarnya peluang pasar a low-risk closed-loop system, given the significant
ritel di tahun 2030. opportunities in the retail market by 2030.
8. Peningkatan fee based income melalui komisi dan 8. Increasing fee-based income through commissions
biaya administrasi, transactional banking, transaksi and administrative fees, transactional banking,
valuta asing, trade finance, kolaborasi dengan foreign exchange transactions, trade finance,
perusahaan Fintech Payment & e-Commerce, collaborations with Fintech Payment &
penjualan produk bancassurance dan transaksi e-Commerce companies, sales of bancassurance
yang dibangun dari kerjasama pihak ketiga maupun products, and transactions developed through
pengembangan channel milik Bank. third-party partnerships as well as the Bank’s own
channel development.
9. Pengembangan kompetensi SDM dengan 9. Developing human resource competencies by
meningkatkan product knowledge dan selling skill enhancing product knowledge and sales skills
dari seluruh tim marketing Konsumer. across the entire Consumer Marketing team.
10. Optimalisasi kinerja sales dan marketing untuk 10. Optimizing sales and marketing performance to
meningkatkan pertumbuhan bisnis cabang. drive branch business growth.
11. Perbaikan Bisnis proses penyaluran & administrasi 11. Improving business processes for credit
kredit. disbursement and administration.
12. Penyaluran kredit dengan skema pembiayaan 12. Credit disbursement through specialized
khusus sesuai dengan karakteristik daerah (cabang) financing schemes tailored to regional (branch)
misalnya: pembiayaan alat berat, dump truck, kapal/ characteristics, such as: heavy equipment
tongkang. financing, dump trucks, ships/barges.
13. Mengikuti event dan membuat program akuisisi, 13. Participating in events and creating acquisition
berpartisipasi dalam kegiatan sponsorship dalam programs, as well as engaging in sponsorship
rangka kegiatan akuisisi nasabah baru dalam activities to acquire new customers, thereby
meningkatkan portofolio kredit dan funding serta expanding the credit portfolio and funding sources
menawarkan harga yang kompetitif. while offering competitive rates.
14. Melakukan kegiatan aktivasi dengan program- 14. Conducting activation activities through relevant
program yang relevan untuk calon nasabah potensial programs targeting potential customers who work,
yang bekerja, tinggal dan berkunjung di proyek / area live, or visit Artha Graha Group’s or Artha Graha
unggulan Artha Graha Group / Artha Graha Network Network’s flagship projects or areas, with the
dengan tujuan mendorong akuisisi, transaksi dan aim of driving customer acquisition, transactions,
kehadiran brand yang meningkatkan keterkenalan and brand presence to enhance brand familiarity
merek (Brand Familiarity) di masyarakat. among the public.
15. Akselerasi kolaborasi dengan mitra bisnis, baik 15. Accelerating collaboration with business partners,
dari penghimpunan dan penyaluran dana, untuk including those involved in fund collection and
mendorong akuisisi nasabah dan transaksi melalui distribution, to drive customer acquisition and
integrasi sistem berbasis teknologi dalam kaitan transactions through technology-based system
membangun ekosistem digital. integration as part of building a digital ecosystem.
Economic Performance of the Bank in 2025
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Kinerja Ekonomi Bank Tahun 2025 Economic Performance of the Bank in
2025
Capaian kinerja optimal yang berhasil dibukukan The optimal performance achieved by the Bank throughout
oleh Bank sepanjang tahun 2025 tidak terlepas dari 2025 was inseparable from the solid support of all
dukungan yang solid dari seluruh pemangku kepentingan, stakeholders, both internal and external to the Company.
baik internal maupun eksternal perusahaan. Sebagai As an institution committed to continuous growth and to
institusi yang berkomitmen untuk terus bertumbuh making a positive contribution to the national economy,
dan memberikan kontribusi positif bagi perekonomian the Bank believes that active engagement and sustained
nasional, Bank meyakini bahwa keterlibatan aktif serta support from stakeholders are key factors in achieving
dukungan berkelanjutan dari para pemangku kepentingan this success. Based on this understanding, the Bank
merupakan faktor kunci dalam mencapai keberhasilan consistently disseminates strategic policies set out in
tersebut. Atas dasar pemahaman tersebut, Bank secara the Bank Business Plan to all stakeholders, with the aim
konsisten melakukan sosialisasi atas kebijakan strategis of ensuring alignment of understanding and encouraging
yang ditetapkan dalam Rencana Bisnis Bank (RBB) collective contributions toward the achievement of the
kepada seluruh pemangku kepentingan, dengan tujuan Company’s objectives.
memastikan keselarasan pemahaman dan mendorong
kontribusi bersama dalam pencapaian sasaran
perusahaan.
Dalam pelaksanaannya, sosialisasi kepada pemangku In its implementation, outreach to internal stakeholders is
kepentingan internal menjadi fokus utama, mengingat a primary focus, as the successful execution of strategic
keberhasilan implementasi kebijakan strategis sangat policies is largely determined by the level of understanding
ditentukan oleh tingkat pemahaman dan komitmen and commitment of all employees and management.
seluruh karyawan serta manajemen. Bank memanfaatkan The Bank utilizes various communication channels
berbagai sarana komunikasi dan forum yang tersedia untuk and available forums to convey information related to
menyampaikan informasi terkait kebijakan strategis antara strategic policies, including scheduled management
lain melalui rapat manajemen yang terjadwal maupun meetings as well as routine ad hoc meetings. In addition
pertemuan insidental yang diselenggarakan secara rutin. to serving as a medium for policy communication, these
Selain sebagai media penyampaian kebijakan, kegiatan outreach activities are also part of the Bank’s efforts
sosialisasi ini juga merupakan bagian dari upaya Bank to cultivate a culture of sustainability in the workplace,
dalam menumbuhkan budaya keberlanjutan di lingkungan where every individual is encouraged to actively support
kerja di mana setiap individu didorong untuk berperan the achievement of the Bank’s vision and mission and to
aktif dalam mendukung pencapaian visi dan misi, serta contribute to its long-term objectives.
berkontribusi terhadap tujuan jangka panjang perusahaan.
Di sisi lain, Bank juga menaruh perhatian besar pada On the other hand, the Bank also places strong emphasis
sosialisasi kepada pemangku kepentingan eksternal, on outreach to external stakeholders, including the
termasuk pemerintah, pemerintah daerah, regulator, government, regional governments, regulators, suppliers,
pemasok, nasabah, dan masyarakat. Untuk menjangkau customers, and the wider community. To effectively reach
kelompok pemangku kepentingan tersebut secara efektif, these stakeholder groups, the Bank leverages various
Bank memanfaatkan berbagai platform komunikasi, communication platforms, such as its official website,
seperti situs web resmi, siaran pers, dan media sosial, press releases, and social media, to convey strategic
guna menyampaikan kebijakan strategis serta capaian policies and performance achievements.
kinerja yang telah diraih.
Sejalan dengan proses sosialisasi tersebut, manajemen In line with these outreach efforts, the Bank’s management,
Bank dengan dukungan penuh seluruh karyawan secara with the full support of all employees, consistently
konsisten melaksanakan berbagai kebijakan dan inisiatif implemented various strategic policies and initiatives
strategis sepanjang tahun 2025 sebagai upaya nyata throughout 2025 as concrete measures to realize the
untuk merealisasikan target-target yang tercantum targets set out in the 2025 Bank Business Plan. The plan
dalam Rencana Bisnis Bank (RBB) 2025, yang disusun was formulated based on an evaluation of economic
berdasarkan evaluasi kondisi perekonomian serta conditions and optimistic growth projections from the
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 131
Page 132
proyeksi pertumbuhan yang optimistis tahun sebelumnya. previous year. Information on the achievement of targets
Informasi terkait pencapaian target dan realisasi kinerja and the realization of the Bank’s revenue and profit and
pendapatan serta laba rugi Bank disajikan secara lebih loss performance is presented in greater detail in the
rinci dalam tabel berikut: [OJK F.2] following table: [OJK F.2]
Tabel Target dan Realisasi Kinerja Pendapatan
dan Laba Rugi Tahun 2023-2025
Table of Target and Actual Revenue and Profit (Rp Jutaan, kecuali dinyatakan lain)
and Loss Performance for 2023-2025 (Rp Million, unless otherwise stated)
2025 2024 2023
Deskripsi Realisasi Target Realisasi Target Realisasi Target
% % %
Description Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
LAPORAN POSISI KEUANGAN
STATEMENT OF FINANCIAL POSITION
Total Aset
27.573.818 32.137.679 85,80 30.126.393 30.219.701 99,69 26.103.611 27.340.130 95,48
Total Assets
Aset Produktif
24.029.121 29.046.663 82,73 23.866.911 26.042.132 91,65 21.263.664 21.967.702 96,80
Earning Assets
Kredit/Pembiayaan
Bank 9.792.435 12.738.859 76,87 10.605.479 14.082.238 75,31 12.147.369 12.413.980 97,85
Bank Loans/Financing
Dana Pihak Ketiga
22.652.514 27.375.000 82,75 23.890.773 24.539.000 97,36 20.631.701 21.545.090 95,76
Third-Party Funds
Pendapatan
Operasional 2.255.176 2.218.444 101,66 2.003.649 1.933.173 103,65 1.797.372 1.728.235 104,00
Operating Revenue
Beban Operasional
2.838.056 2.010.220 141,18 1.806.382 1.787.906 101,03 1.610.295 1.540.721 104,52
Operating Expenses
Laba Bersih (Rugi)
(567.520) 203.423 (278,99) 152.474 263.788 57,80 146.753 178.749 82,10
Net Income (Loss)
Rasio Kinerja
Performance Ratio
Rasio Kecukupan Modal
Minimum (KPMM) (%)
Minimum Capital 27,76 31,70 87,57 26,35 29,89 3,54 24,96 22,26 2,70
Adequacy Ratio
(KPMM) (%)
Aset Produktif
Bermasalah dan
Aset Non-Produktif
Bermasalah Terhadap
Total Aset Produktif
dan Aset Non-Produktif
(%) 5,35 3,05 175,08 5,25 2,61 (2,64) 7,12 5,29 1,83
Non-Performing
Earning Assets and
Non-Performing Non-
Earning Assets to Total
Earning Assets and
NonEarning Assets (%)
132 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 133
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Tabel Target dan Realisasi Kinerja Pendapatan
dan Laba Rugi Tahun 2023-2025
Table of Target and Actual Revenue and Profit (Rp Jutaan, kecuali dinyatakan lain)
and Loss Performance for 2023-2025 (Rp Million, unless otherwise stated)
2025 2024 2023
Deskripsi Realisasi Target Realisasi Target Realisasi Target
% % %
Description Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
Aset Produktif
Bermasalah Terhadap
Total Aset Produktif (%)
0,93 1,13 82,30 0,98 1,09 0,11 1,09 1,52 (0,43)
Non-Performing
Earning Assets to Total
Earning Assets (%)
Cadangan Kerugian
Penurunan Nilai
(CKPN) Aset Keuangan
terhadap Aset
Produktif (%)
1,32 2,58 51,16 2,05 2,80 0,75 2,64 2,83 (0,19)
Allowance for
Impairment Losses
(CKPN) on Financial
Assets Against Earning
Assets (%)
NPL Gross (%) 2,27 2,14 106,07 2,40 2,02 (0,38) 1,74 2,69 (0,95)
NPL Net (%) 0,85 0,68 125,00 0,77 0,47 (0,30) 0,31 0,95 (0,64)
Return on Asset (ROA)
(1,85) 0,66 (280,30) 0,55 0,93 0,38 0,60 0,68 (0,08)
(%)
Return on Equity (ROE)
(15,86) 5,44 (291,54) 4,23 6,59 2,36 4,24 4,88 (0,64)
(%)
Net Interest Margin
2,78 3,89 71,45 4,07 4,03 (0,04) 5,58 4,41 1,17
(NIM) (%)
Beban Operasional
terhadap Pendapatan
Operasional (BOPO)
(%) 124,31 90,61 137,19 90,32 87,37 (2,95) 90,11 89,15 0,96
Operating Expenses
to Operating Revenue
(BOPO) (%)
Loan to Deposit Ratio
43,23 49,20 87,87 44,39 57,39 13,00 58,88 57,62 1,26
(LDR) (%)
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 133
Page 134
Distribusi Nilai Ekonomi Distribution of Economic Value
Mengacu pada uraian kinerja ekonomi yang telah Referring to the economic performance described
disampaikan sebelumnya, distribusi nilai ekonomi yang previously, the distribution of economic value
dihasilkan oleh Bank dihitung melalui tiga komponen generated by the Bank is calculated through three
utama yaitu nilai ekonomi langsung yang dihasilkan, nilai main components, namely direct economic value
ekonomi yang didistribusikan, serta nilai ekonomi yang generated, economic value distributed, and economic
ditahan. Ketiga komponen tersebut mencerminkan value retained. These three components reflect the
peran Bank dalam mendukung perekonomian sekaligus Bank’s role in supporting the economy while also
menggambarkan pelaksanaan tanggung jawab sosial dan illustrating the implementation of sustainable social
lingkungan secara berkelanjutan. and environmental responsibility.
Nilai ekonomi langsung yang dihasilkan oleh Bank The direct economic value generated by the Bank
merepresentasikan total pendapatan yang diperoleh represents total revenue derived from all operational
dari seluruh aktivitas operasional dan kegiatan usaha activities and business operations. Meanwhile, the
yang dijalankan. Sementara itu, nilai ekonomi yang economic value distributed includes various Bank
didistribusikan mencakup berbagai pengeluaran Bank expenditures that contribute to economic growth
yang berkontribusi terhadap peningkatan pertumbuhan and the welfare of stakeholders, both internal and
ekonomi dan kesejahteraan para pemangku kepentingan, external, including employee salaries, taxes, dividends,
baik internal maupun eksternal antara lain berupa payments to suppliers, as well as funds channeled
pembayaran gaji, pajak, dividen, pembayaran kepada to the community as part of the implementation of
pemasok, serta penyaluran dana kepada masyarakat Social and Environmental Responsibility (TJSL) through
sebagai bentuk pelaksanaan Tanggung Jawab Sosial dan various Corporate Social Safety Responsibility (CSSR)
Lingkungan (TJSL) melalui berbagai program Corporate programs. The economic value retained represents the
Social Safety Responsibility (CSSR). Adapun nilai ekonomi difference between the economic value generated and
yang ditahan merupakan selisih antara nilai ekonomi the economic value distributed, which is subsequently
yang dihasilkan dan nilai ekonomi yang didistribusikan, utilized to support the Bank’s business development
yang selanjutnya dimanfaatkan untuk mendukung and long-term sustainability. [GRI 201-1]
pengembangan dan keberlanjutan usaha Bank di masa
mendatang. [GRI 201-1]
Tabel Distribusi Nilai Ekonomi (Rp Jutaan)
Table of Economic Value Distribution (Rp Million)
Uraian 2025 2024 2023
Description
Nilai Ekonomi Langsung yang Diterima
Direct Economic Value Generated
Pendapatan
2.270.298 2.004.041 1.804.647
Revenue
Jumlah Nilai Ekonomi langsung yang diterima
2.270.298 2.004.041 1.804.647
Total Direct Economic Value Generated
Nilai Ekonomi Langsung yang Didistribusikan
Direct Economic Value Distributed
Biaya Operasi
(939.473) (547.742) (589.832)
Operating Expenses
Biaya Pegawai
(291.887) (287.069) (279.962)
Employee Expenses
134 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 135
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Tabel Distribusi Nilai Ekonomi (Rp Jutaan)
Table of Economic Value Distribution (Rp Million)
Uraian 2025 2024 2023
Description
Dividen
- - -
Dividend
Pembayaran kepada Pemerintah (pajak, retribusi dll)
(226.930) (190.911) (135.611)
Payments to the Government (taxes, levies, etc.)
Investasi Sosial (biaya TJSL)
(10.115) (6.461) (9.596)
Social Investment (TJSL costs)
Jumlah Nilai Ekonomi Langsung yang didistribusikan
(1.468.405) (1.032.183) (1.009.801)
Total Direct Economic Value Distributed
Nilai Ekonomi Langsung yang ditahan
(801.893) 971.858 794.846
Direct Economic Value Retained
Dalam kapasitasnya sebagai lembaga jasa keuangan In its capacity as a financial services institution with a
yang berperan strategis dalam mendukung agenda strategic role in supporting the sustainable development
pembangunan berkelanjutan, Bank menegaskan agenda, the Bank reaffirms its commitment to contributing
komitmennya untuk berkontribusi dalam implementasi to the implementation of Sustainable Finance through the
Keuangan Berkelanjutan melalui penyaluran pembiayaan provision of financing to business activities classified
kepada kegiatan usaha yang tergolong dalam Kategori under the Sustainable Business Activity Category (KKUB).
Kegiatan Usaha Berkelanjutan (KKUB). Penyaluran Such financing is extended in reference to the provisions
pembiayaan tersebut dilaksanakan dengan mengacu pada of Article 4 of the POJK Green Bond, which stipulates 11
ketentuan Pasal 4 POJK Green Bond, yang mengatur 11 (eleven) categories of Environmentally Sound Business
(sebelas) Kegiatan Usaha Berwawasan Lingkungan (KUBL) Activities (KUBL) as the basis for sustainable financing
sebagai dasar klasifikasi pembiayaan berkelanjutan. classification.
Di samping 11 (sebelas) kategori Kegiatan Usaha In addition to the 11 (eleven) categories of Environmentally
Berwawasan Lingkungan yang diatur dalam POJK Green Sound Business Activities regulated under the POJK
Bond, Bank turut menambahkan kategori Usaha Mikro, Green Bond, the Bank has also included Micro, Small, and
Kecil, dan Menengah (UMKM) sebagai bagian dari strategi Medium Enterprises (MSMEs) as an additional category
untuk memperluas akses pembiayaan berkelanjutan. as part of its strategy to expand access to sustainable
Penambahan kategori UMKM ini selaras dengan prinsip financing. The inclusion of the MSME category is aligned
Keuangan Berkelanjutan, khususnya prinsip inklusivitas, with the principles of Sustainable Finance, particularly the
yang menekankan pentingnya penyediaan akses layanan principle of inclusivity, which emphasizes the importance
keuangan yang lebih luas bagi seluruh lapisan masyarakat, of providing broader access to financial services for all
terutama bagi pelaku usaha kecil dan menengah yang segments of society, especially small and medium-sized
memiliki peran signifikan dalam perekonomian nasional. enterprises that play a significant role in the national
economy.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 135
Page 136
Berikut penyaluran pembiayaan Bank yang sejalan The following presents the Bank’s financing distribution
dengan Keuangan Berkelanjutan per 31 Desember aligned with Sustainable Finance as of December 31,
2025: [FN-CB-410a.1] [FN-CB-240a.3] [FN-CB-240a.4] 2025: [FN-CB-410a.1] [FN-CB-240a.3] [FN-CB-240a.4]
Tabel Realisasi Penerapan Keuangan Berkelanjutan Tahun 2023-2025 (dalam Jutaan Rupiah)
Table of Realization of Sustainable Finance Implementation 2023-2025 (in Million Rupiah)
Uraian 2025 2024 2023
Description
Jenis produk yang memenuhi kriteria kegiatan usaha berkelanjutan
Types of products that meet the criteria for sustainable business activities
1. Penghimpunan Dana
- - -
Fund Raising
2. Penyaluran Dana
368.968 377.034 328.880
Fund Distribution
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Earning Assets for Sustainable Business Activities
1. Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan (Rp)
368.968 377.034 328.880
Total Sustainable Business Activity Loans/Financing (Rp)
2. Total Non-Kredit/Non-Pembiayaan Kegiatan Usaha Berkelanjutan (Rp)
9.792.435 10.228.445 11.818.488
Total Non-Loan / Non-Financing Sustainable Business (Rp)
Persentase total kredit/pembiayaan kegiatan usaha berkelanjutan terhadap
total kredit/pembiayaan bank (%)
3,77 3,56 2,71
Percentage of total sustainable business activity loans/financing to the
Bank’s total loans/financing (%)
Tabel Realisasi Penerapan Keuangan Berkelanjutan Tahun 2023-2025 (dalam Jutaan Rupiah)
Table of Sustainable Finance Implementation Realization 2023–2025 (in Million Rupiah)
2025 2024 2023
Deskripsi Satuan Realisasi Target Realisasi Target Realisasi Target
% % %
Description Unit Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
Kinerja Keuangan Inklusif
Inclusive Financial Performance
Penyaluran Kredit Rp juta
terhadap UMKM
IDR 368,96 836,35 44,11 376.374 968.621 38,86 328.580 838.246 39,20
Credit Distribution
to MSMEs million
Perkembangan Laku Pandai
Laku Pandai Development
1. Jumlah Agen
Number of Unit 12 30 40 27 55 49 27 55 49
Agents
2. Nominal
Produk dan/
atau Jasa yang
Disediakan oleh
Rp juta
Agen
IDR 9,9 30 33 213,1 280 76 213,9 280 76
Nominal
million
Products and/
or Services
Provided by
Agent
136 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 137
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Tabel Realisasi Penerapan Keuangan Berkelanjutan Tahun 2023-2025 (dalam Jutaan Rupiah)
Table of Sustainable Finance Implementation Realization 2023–2025 (in Million Rupiah)
2025 2024 2023
Deskripsi Satuan Realisasi Target Realisasi Target Realisasi Target
% % %
Description Unit Realization Target Realization Target Realization Target
1 2 1:2 3 4 3:4 5 6 5:6
Jumlah Peserta
Literasi Keuangan
Orang
Number of 766 766 100 2.383 1.100 216 1.356 520 261
People
Financial Literacy
Participants
Dana Pihak Ketiga Third Party Funds
Penghimpunan Dana Pihak Ketiga (DPK) Bank bersumber The Bank’s Third Party Funds (DPK) are collected from
dari masyarakat melalui beragam produk perbankan, the public through various banking products, including
meliputi tabungan, giro, dan deposito. Sepanjang savings, demand deposits, and time deposits.
tahun 2025, Bank mencatatkan DPK sebesar Rp22,65 Throughout 2025, the Bank recorded DPK of IDR22.65
triliun, turun sebesar Rp1,24 triliun dibandingkan tahun trillion, representing an decrease of IDR1.24 trillion
sebelumnya yang mencapai Rp23,89 triliun. Pencapaian billion compared to the previous year, which amounted
tersebut dipengaruhi oleh kenaikan Giro dan Tabungan to IDR23.89 trillion. This achievement was driven by
masing-masing sebesar Rp110 Miliar dan Rp77 Miliar increases in checking accounts and savings accounts
serta penurunan Deposito sebesar Rp1.426 Miliar. of IDR110 billion and IDR77 billion, respectively, as well
as a decrease in time deposits of IDR1,426 billion.
Kredit Berdasarkan Kategori Kegiatan Loans by Sustainable Business Activity
Usaha Berkelanjutan [FN-CB-240a.1] Category [FN-CB-240a.1]
Dalam mendukung prinsip keuangan berkelanjutan, In supporting the principles of sustainable finance, the
Bank menegaskan komitmennya untuk menyalurkan Bank reaffirms its commitment to extending loans that
kredit yang tidak hanya berorientasi pada pencapaian are not only oriented toward achieving profitability,
profitabilitas, tetapi juga memberikan dampak positif but also generate positive environmental and social
terhadap aspek lingkungan dan sosial. Penyaluran kredit impacts. Such lending includes financing classified
tersebut mencakup pembiayaan yang dikelompokkan into two main categories, namely Sustainable Business
ke dalam dua kategori utama yaitu Kegiatan Usaha Activities (KKUB) or Environmentally Sound Business
Berkelanjutan (KKUB) atau Kegiatan Usaha Berwawasan Activities (KUBL), as well as loans that do not fall
Lingkungan (KUBL), serta kredit yang tidak termasuk under the KKUB/KUBL categories. Throughout 2025,
dalam kategori KKUB/KUBL. Sepanjang tahun 2025, the Bank’s financing support for Environmentally
dukungan pembiayaan Bank terhadap Kegiatan Usaha Sound Business Activities was focused on the Energy
Berwawasan Lingkungan difokuskan pada KUBL 12 dan Efficiency sector (KUBL 12) and financing for Micro,
pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM). Small, and Medium Enterprises (MSMEs) .
Selaras dengan Rencana Aksi Keuangan Berkelanjutan In alignment with the 2025 Sustainable Finance Action
(RAKB) Tahun 2025, Bank menetapkan target pertumbuhan Plan (Rencana Aksi Keuangan Berkelanjutan/RAKB), the
portofolio pembiayaan dan penempatan dana pada usaha Bank has established targeted growth for its financing
berkelanjutan untuk kategori KUBL 1 sampai dengan KUBL portfolio and fund placements in sustainable business
11 dan KUBL 12 masing–masing sebesar Rp112,21 miliar dan activities under KUBL Categories 1 through 11 and Category
Rp2.835,84 miliar. 12, amounting to IDR112.21 billion and IDR2,835.84 billion,
respectively.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Hingga 31 Desember 2025, realisasi pembiayaan As of December 31, 2025, the realization of financing and
dan penempatan dana untuk kategori KUBL 1 sampai fund placements for KUBL categories 1 to 11 amounted
dengan KUBL 11 tercatat sebesar Rp1.408,94 miliar to IDR1,408.94 billion, or 1,255.57% of the established
atau mencapai 1.255,57% dari target yang ditetapkan. target. The achievement was primarily driven by
Capaian tersebut dipengaruhi oleh penempatan dana the placement of funds through bond investments
berupa pembelian obligasi yang termasuk ke dalam classified under KUBL Categories 1 through 11.
kategori KUBL 1 sampai dengan KUBL 11.
Sementara itu, untuk pembiayaan UMKM (KUBL 12), Bank Meanwhile, for MSME financing (KUBL 12), the Bank
mengalokasikan target pembiayaan dan penempatan allocated a financing and fund placement target of
dana sebesar Rp2.835,84 miliar pada tahun 2025, IDR2,835.84 billion in 2025, with realization reaching
dengan realisasi mencapai Rp728,97 miliar atau 25,71% IDR728.97 billion, or 25.71% of the predetermined
dari target yang telah ditetapkan. [FN-CB-240a.1] target. [FN-CB-240a.1]
Sebagai tindak lanjut atas komitmen tersebut, As a follow-up to this commitment, financing
penyaluran pembiayaan yang sesuai dengan kategori disbursements aligned with the KUBL categories
KUBL sepanjang tahun 2025 adalah sebesar Rp368,97 throughout 2025 amounted to IDR368.97 billion, all of
miliar yang termasuk ke dalam kategori KUBL 12/UMKM. which were classified under KUBL Category 12 (MSMEs).
Di samping penyaluran pembiayaan yang selaras In addition to financing aligned with the KKUB/KUBL
dengan kategori KKUB/KUBL, sepanjang tahun 2025, categories, throughout 2025 the Bank did not extend
Bank tidak melakukan penyaluran pembiayaan kepada financing to business activities that do not meet the
kegiatan usaha yang tidak memenuhi kriteria kegiatan criteria for sustainable business activities. The types
usaha berkelanjutan. Adapun jenis kegiatan usaha yang of business activities not financed by the Bank are as
tidak dibiayai oleh Bank adalah sebagai berikut: [FN-CB- follows: [FN-CB-410a.2]
410a.2]
1. Kegiatan yang melibatkan segala macam bentuk 1. Activities involving any form of forced labor or
kerja paksa/eksploitasi pada anak di bawah usia 16 exploitation of children under the age of 16;
tahun;
2. Operasi pembalakan komersial pada hutan basah 2. Commercial logging operations in tropical wet
tropis; forests;
3. Produksi dan perdagangan kayu atau produk 3. Production and trade of timber or other forestry
kehutanan lainnya dari hutan yang tidak dikelola products originating from forests that are not
secara lestari; sustainably managed;
4. Produksi atau kegiatan yang mengambil alih 4. Production or activities involving the appropriation
kepemilikan lahan dari masyarakat adat/penduduk of land owned by indigenous peoples/local
asli tanpa persetujuan dari masyarakat/penduduk communities without their consent; and/or
tersebut; dan/atau
5. Produksi atau perdagangan produk atau kegiatan 5. Production or trade of illegal products or activities under
ilegal berdasarkan peraturan Indonesia atau Indonesian regulations or international conventions/
konvensi/kesepakatan internasional termasuk zat agreements, including ozone-depleting substances,
perusak lapisan ozon, satwa liar atau produk yang wildlife, or products regulated under CITES2.
diatur dalam CITES2.
138 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 139
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Penyaluran Produk Usaha Mikro, Kecil Distribution of Micro, Small, and Medium
dan Menengah (UMKM) Enterprise (MSME)
Sebagai salah satu penggerak utama perekonomian As one of the main drivers of the national economy, Micro,
nasional, Usaha Mikro, Kecil, dan Menengah (UMKM) Small, and Medium Enterprises (MSMEs) play a highly
memegang peranan yang sangat strategis dalam strategic role in Indonesia’s economic development. In
pembangunan ekonomi Indonesia. Selain memberikan addition to making a significant contribution to Gross
kontribusi signifikan terhadap Produk Domestik Bruto Domestic Product (GDP), the MSME sector serves as an
(PDB), sektor UMKM juga menjadi motor inovasi dan engine of innovation and inclusive economic growth, with
pertumbuhan ekonomi yang inklusif, dengan peran an important role in job creation, poverty alleviation, and
penting dalam penciptaan lapangan kerja, pengentasan the equitable distribution of development across regions.
kemiskinan, serta pemerataan pembangunan di berbagai The resilience of MSMEs has been well proven, particularly
wilayah. Ketangguhan UMKM telah terbukti, terutama in facing various economic challenges, including during
dalam menghadapi berbagai tantangan ekonomi, difficult periods such as the COVID-19 pandemic.
termasuk pada periode sulit seperti pandemi COVID-19.
Berdasarkan peran dan kontribusinya tersebut, UMKM Based on these roles and contributions, MSMEs are
secara luas diakui sebagai salah satu pilar utama widely recognized as one of the main pillars of the
perekonomian Indonesia. Kementerian Usaha Mikro, Kecil, Indonesian economy. The Ministry of Micro, Small, and
dan Menengah (UMKM) menyampaikan bahwa Indonesia Medium Enterprises stated that Indonesia is home to
memiliki sekitar 65,5 juta UMKM yang secara keseluruhan approximately 65.5 million MSMEs, which collectively
menyerap 119 juta tenaga kerja, atau merupakan porsi yang employ around 119 million workers, representing a
signifikan dari total angkatan kerja nasional. Berdasarkan significant portion of the national workforce. According
data BPS, UMKM berkontribusi sebesar 61,9% terhadap to data from Statistics Indonesia (BPS), MSMEs contribute
Produk Domestik Bruto (PDB) Indonesia dan menyerap 61.9% to Indonesia’s Gross Domestic Product (GDP) and
lebih dari 119 juta tenaga kerja atau sekitar 97% dari total absorb more than 119 million workers, or approximately
tenaga kerja nasional. 97% of the total national workforce.
Sejalan dengan besarnya kontribusi tersebut, Bank In line with this substantial contribution, the Bank
menegaskan komitmennya untuk terus meningkatkan reaffirms its commitment to continuously increasing the
penyaluran pembiayaan kepada sektor UMKM sebagai distribution of financing to the MSME sector as part of its
bagian dari dukungan terhadap pertumbuhan ekonomi support for sustainable economic growth. This initiative is
yang berkelanjutan. Langkah ini diharapkan dapat expected to strengthen the competitiveness and business
memperkuat daya saing dan keberlanjutan usaha UMKM, sustainability of MSMEs, while also encouraging overall
sekaligus mendorong pertumbuhan perekonomian national economic growth. As of December 31, 2025, out
nasional secara keseluruhan. Hingga 31 Desember 2025, of the total loans disbursed by the Bank, IDR368.96 billion
dari total kredit yang disalurkan oleh Bank, tercatat sebesar was allocated to the MSME sector, equivalent to 3.77% of
Rp368,96 miliar dialokasikan kepada sektor UMKM, atau the total loans provided by the Bank.
setara dengan 3,77% dari total pinjaman yang diberikan
Bank.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 139
Page 140
Kontribusi kepada Pembangunan Contribution to Infrastructure
Infrastruktur di Indonesia Development in Indonesia
Pembangunan infrastruktur di Indonesia pada tahun 2025 Infrastructure development in Indonesia in 2025 became
menjadi salah satu fokus utama kebijakan fiskal pemerintah one of the main focuses of the Government’s fiscal policy,
dengan komitmen untuk mendukung konektivitas, pelayanan reflecting a strong commitment to supporting connectivity,
publik, serta pemerataan pembangunan di seluruh wilayah. public services, and equitable development across all regions.
Dalam Rancangan Anggaran Pendapatan dan Belanja In the 2025 State Budget Draft, the Government allocated
Negara (RAPBN) 2025, pemerintah mengalokasikan approximately IDR400.3 trillion for infrastructure development.
anggaran pembangunan infrastruktur sebesar sekitar This allocation covered various strategic projects, including
Rp400,3 triliun, yang mencakup berbagai proyek strategis the development of transportation networks, education and
seperti pembangunan jaringan transportasi, fasilitas healthcare facilities, as well as the continuation of major projects
pendidikan dan kesehatan, serta kelanjutan proyek besar such as the Nusantara Capital City. This allocation formed
seperti Ibu Kota Nusantara (IKN). Alokasi tersebut merupakan part of broader efforts to strengthen the national economic
bagian dari upaya memperkuat pondasi ekonomi nasional dan foundation and enhance the benefits of infrastructure services
meningkatkan kemanfaatan layanan infrastruktur terhadap for the wider community.
masyarakat luas.
Di sisi pelaksanaan, sebagian anggaran infrastruktur telah From an implementation perspective, a portion of the
terealisasi dengan berbagai program prioritas, termasuk infrastructure budget was realized through various
fasilitas perumahan melalui Fasilitas Likuiditas Pembiayaan priority programs, including housing facilities under
Perumahan (FLPP), revitalisasi jaringan jalan dan the Housing Financing Liquidity Facility, road network
penyediaan air bersih, dan sebagainya. Walaupun terdapat revitalization, and the provision of clean water,
tantangan berupa efisiensi anggaran di sejumlah proyek, among others. Although challenges related to budget
pemerintah terus mendorong keterlibatan pihak swasta efficiency arose in several projects, the Government
dan mekanisme pembiayaan alternatif untuk memperkuat continued to encourage private sector participation
pembiayaan pembangunan jangka menengah. Upaya ini and alternative financing mechanisms to strengthen
sejalan dengan target pembangunan infrastruktur nasional medium-term development financing. These efforts
untuk mendukung pertumbuhan ekonomi inklusif dan are aligned with national infrastructure development
meningkatkan kualitas hidup masyarakat Indonesia secara targets aimed at supporting inclusive economic
berkelanjutan. growth and sustainably improving the quality of life of
the Indonesian people.
Mengingat pentingnya pembangunan infrastruktur, Considering the importance of infrastructure
selama tahun 2025, Bank turut berkontribusi dalam development, throughout 2025 the Bank also
pembangunan sektor infrastruktur melalui pembiayaan contributed to the development of the infrastructure
proyek-proyek berikut: sector through financing for the following projects:
Nama Proyek Wilayah Proyek Jumlah (Rp Jutaan)
Project Name Project Area Total (IDR million)
35 Kabupaten/Kota di Nusa Tenggara Timur,
Palapa Ring Paket Timur Maluku, Papua dan Papua Barat
61.152,8
Palapa Ring East Package 35 Regencies/Cities in East Nusa Tenggara,
Maluku, Papua, and West Papua
Pembangunan Ruas Toll Pemalang - Batang Pemalang – Batang (Jawa Tengah)
146.503,6
Pemalang–Batang Toll Road Construction Pemalang–Batang (Central Java)
Total 207.656,4
140 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 141
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Portofolio Produk dengan Manfaat Portfolio of Products with Social Benefits
Sosial
Angka backlog perumahan di Indonesia pada tahun The housing backlog in Indonesia in 2025 reflects
2025 menunjukkan tantangan yang semakin besar an increasingly significant challenge in meeting the
dalam pemenuhan kebutuhan rumah layak bagi need for adequate housing, with estimates reaching
masyarakat, dengan estimasi mencapai sekitar 15 approximately 15 million housing units unmet. This
juta unit rumah yang belum terpenuhi. Kesenjangan gap represents a substantial increase compared to
ini merupakan kenaikan signifikan dibandingkan the previous backlog figure of around 9.9 million units,
angka backlog sebelumnya yang sekitar 9,9 juta unit, indicating growing pressure on housing demand driven
mencerminkan peningkatan tekanan kebutuhan hunian by population growth and limited supply of affordable
seiring pertumbuhan penduduk dan keterbatasan housing nationwide.
pasokan rumah yang terjangkau secara nasional.
Untuk menangani persoalan backlog tersebut, To address this backlog, the Government continues to
pemerintah terus melaksanakan berbagai strategi implement various strategies through national housing
melalui program pembangunan rumah tingkat nasional, development programs, including a target to build 3
termasuk target pembangunan 3 juta rumah layak (three) million livable housing units annually, supported
hunian setiap tahun yang melibatkan serangkaian by a range of incentives and more accessible financing
insentif dan kebijakan pembiayaan yang lebih mudah policies for low-income communities. One of the
diakses masyarakat berpenghasilan rendah. Salah key initiatives being promoted is the expansion of
satu upaya yang sedang didorong adalah peningkatan subsidized housing quotas and financing through the
kuota rumah bersubsidi dan pembiayaan melalui Housing Financing Liquidity Facility (FLPP) scheme,
skema Fasilitas Likuiditas Pembiayaan Perumahan including a planned quota of 350 thousand subsidized
(FLPP), termasuk rencana kuota 350 ribu unit rumah housing units in 2025 and a proposed increase to
bersubsidi pada 2025 dan proposal peningkatan kuota 500 thousand units in 2026 to accelerate backlog
menjadi 500 ribu unit pada 2026 untuk mempercepat reduction. This scheme also offers low interest rates
pengurangan backlog. Skema ini juga mencakup suku and more affordable down payment requirements to
bunga rendah dan persyaratan uang muka yang ringan improve access to home ownership.
guna mendorong akses kepemilikan rumah.
Bank turut berperan aktif sebagai salah satu bank The Bank actively participates as one of the distributing
penyalur Kredit Pemilikan Rumah (KPR) dengan skema banks for Housing Loans under the Government’s FLPP
Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) yang scheme to support access to decent housing for low-
ditetapkan pemerintah untuk mendukung akses hunian income communities. This participation forms part
layak bagi masyarakat berpenghasilan rendah, menjadi of the national effort to reduce the housing backlog
bagian dari upaya nasional dalam menurunkan backlog and expand home ownership through subsidized
perumahan dan memperluas kepemilikan rumah melalui mortgage programs. The Bank’s involvement reflects
program KPR bersubsidi; keterlibatan ini mencerminkan its commitment to contributing to public housing
komitmen Bank untuk berpartisipasi dalam program development programs implemented in collaboration
pembangunan rumah rakyat yang dilaksanakan bersama with the Government and other stakeholders, with
pemerintah dan pemangku kepentingan lainnya di mana Bank Artha Graha Internasional recorded as one of
Bank Artha Graha Internasional tercatat sebagai salah satu the private banks appointed to channel this facility
bank swasta yang ditunjuk untuk menyalurkan fasilitas ini in 2025 as part of its social inclusion and community
pada tahun 2025 sebagai bagian dari strategi inklusi sosial economic empowerment strategy.
dan pemberdayaan ekonomi masyarakat.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 141
Page 142
Per 31 Desember 2025, Bank menyalurkan KPR FLPP As of December 31, 2025, the Bank had disbursed
sebesar Rp1.315 miliar untuk mendanai kepemilikan FLPP housing loans amounting to IDR1,315 billion to
rumah Masyarakat Berpenghasilan Rendah sebanyak finance home ownership for low-income communities,
17.363 rumah yang tersebar di daerah Sulawesi Utara, covering 17,363 housing units located across North
Riau, Sulawesi Selatan, Sumatera Selatan, Kalimantan Sulawesi, Riau, South Sulawesi, South Sumatra, West
Barat, Jambi, Jawa Barat, Kalimantan Selatan, Kepulauan Kalimantan, Jambi, West Java, South Kalimantan, Riau
Riau, Banten, Kalimantan Timur, Bangka Belitung, Islands, Banten, East Kalimantan, Bangka Belitung, North
Sumatera Utara, Lampung, Jawa Tengah, Sulawesi Sumatra, Lampung, Central Java, Southeast Sulawesi,
Tenggara, Bali, Jawa Timur dan Nusa Tenggara Timur. Bali, East Java, and East Nusa Tenggara.
Pengungkapan Kerangka Governansi, Disclosure of the Governance Framework,
Pengelolaan dan Pengendalian Aspek Management and Control of Taxation
Perpajakan Aspects
Sebagai wujud kontribusi terhadap pembangunan As a form of contribution to national sustainable
berkelanjutan nasional, Bank menegaskan komitmennya development, the Bank reaffirms its commitment
untuk menjalankan kewajiban perpajakan secara patuh to fulfilling its tax obligations in a compliant and
dan bertanggung jawab sebagai bagian dari tanggung responsible manner as part of its corporate social and
jawab sosial dan ekonomi perusahaan. Sepanjang economic responsibility. Throughout 2025, the Bank
tahun 2025, Bank telah memenuhi seluruh ketentuan complied with all applicable tax laws and regulations.
perpajakan sesuai dengan hukum dan peraturan yang As a result of this compliance, as of December 31, 2025,
berlaku. Atas kepatuhan tersebut, hingga 31 Desember the Bank did not receive any warnings, sanctions, or
2025 Bank tidak menerima peringatan maupun sanksi material penalties related to its tax obligations. [GRI
atau denda yang bersifat signifikan terkait kewajiban 2-27]
perpajakan. [GRI 2-27]
Sejalan dengan komitmen tersebut, total pembayaran In line with this commitment, the total amount of taxes
pajak dan retribusi yang dilakukan Bank pada tahun and levies paid by the Bank in 2025 amounted to
2025 tercatat sebesar Rp226,93 miliar, naik sebesar IDR226.93 billion, representing an increase of IDR36.02
Rp36,02 miliar atau 18,87% dibandingkan dengan billion or 18.87% compared to the 2024 realization of
realisasi tahun 2024 yang mencapai Rp190,91 miliar. IDR190.91 billion. A detailed breakdown of the types of
Rincian jenis pajak yang dibayarkan oleh Bank sepanjang taxes paid by the Bank throughout 2025 is presented
tahun 2025 disajikan secara lengkap sebagai berikut: in full as follows:
Tabel Pembayaran Pajak (dalam Jutaan Rupiah)
Table of Tax Payment (in Million Rupiah)
Jenis Kontribusi pada Pemerintah
No. 2025 2024 2023
Types of Contributions to the Government
PPh Pasal 21
1 35.353 36.708 31.820
Article 21 Income Tax
PPh Pasal 23
2 5.667 5.645 4.790
Income Tax Article 23
PPh Pasal 26
3 - - -
Income Tax Article 26
PPh Pasal 4 Ayat 2
4 183.479 146.381 96.998
Income Tax Article 4 Paragraph 2
Pajak pertambahan nilai
5 2.430 2.177 2.003
Value Added Tax
Total
226.929 190.911 135.611
Total
142 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 143
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Implikasi Finansial Serta Risiko dan Financial Implications as Well as Other
Peluang Lain Akibat dari Perubahan Risks and Opportunities Arising from
Iklim Climate Change
Perubahan iklim dan pemanasan global saat ini menjadi Climate change and global warming have become
salah satu tantangan paling krusial yang dihadapi oleh among the most critical challenges facing the global
masyarakat global. Dampak negatif dari fenomena community today. The negative impacts of these
tersebut semakin nyata dirasakan, baik pada tataran global phenomena are increasingly evident at both the global
maupun lokal, seiring dengan meningkatnya intensitas dan and local levels, in line with the rising intensity and
ketidakpastian kondisi cuaca. Berbagai wilayah di dunia uncertainty of weather conditions. Various regions
mengalami perubahan pola iklim yang ekstrem, seperti around the world are experiencing extreme changes
peningkatan suhu udara, curah hujan yang semakin in climate patterns, such as higher air temperatures,
tinggi, serta periode musim kemarau yang berlangsung increased rainfall, and longer dry seasons. These
lebih panjang. Kondisi ini tidak hanya menimbulkan risiko conditions not only pose risks to human health but
terhadap kesehatan manusia, tetapi juga mengancam also threaten the sustainability of ecosystems and life
keberlanjutan ekosistem dan kehidupan di bumi secara on Earth as a whole. [GRI 3-3]
keseluruhan. [GRI 3-3]
Tekanan akibat perubahan iklim yang dipicu oleh Pressure arising from climate change driven by
pemanasan global turut menjadi tantangan serius global warming also presents a serious challenge for
bagi berbagai sektor usaha dan industri di Indonesia, various business sectors and industries in Indonesia,
termasuk sektor perbankan. Meningkatnya frekuensi including the banking sector. The increasing frequency
bencana hidrometeorologi menjadi salah satu dampak of hydrometeorological disasters is one of the most
yang signifikan, yang dipengaruhi oleh faktor-faktor significant impacts, influenced by factors such as
seperti siklus hidrologi, curah hujan, suhu, angin, hydrological cycles, rainfall, temperature, wind, and
serta tingkat kelembapan yang sulit diprediksi secara humidity levels that are difficult to predict accurately.
akurat. Dalam konteks ini, pelaku ekonomi dan bisnis In this context, economic and business actors are
dituntut untuk lebih siap dalam menghadapi potensi required to be better prepared to face potential losses
kerugian serta dampak jangka panjang terhadap and long-term impacts on business continuity.
keberlangsungan operasional usaha.
Dalam perspektif perbankan, risiko tersebut dapat From a banking perspective, these risks may escalate
semakin meningkat apabila bencana alam berdampak if natural disasters directly affect customers, thereby
langsung terhadap nasabah sehingga berpotensi potentially impacting credit quality. To anticipate and
memengaruhi kualitas kredit. Untuk mengantisipasi manage such risks, the Bank conducts climate risk
dan mengelola risiko tersebut, Bank melakukan evaluasi assessments by referring to the recommendations of
risiko iklim dengan mengacu pada rekomendasi Task the Task Force on Climate-related Financial Disclosures
Force on Climate-related Financial Disclosures (TCFD). (TCFD). These recommendations serve as the Bank’s
Rekomendasi ini menjadi kerangka utama Bank dalam primary framework for strengthening the identification,
memperkuat identifikasi, pengukuran, dan pengelolaan measurement, and management of climate-related
risiko serta peluang terkait perubahan iklim yang risks and opportunities associated with financing
berkaitan dengan aktivitas pembiayaan. Implementasi activities. The implementation of TCFD also aims to
TCFD juga bertujuan meningkatkan kualitas pelaporan enhance the quality of the Bank’s reporting on climate
Bank terkait risiko dan peluang perubahan iklim secara change risks and opportunities in a more transparent
lebih transparan dan terstruktur. and structured manner.
Dalam kerangkanya, TCFD mengelompokkan risiko Within its framework, TCFD classifies climate change
perubahan iklim menjadi dua kategori utama: risiko risks into two main categories: physical risks and
fisik dan risiko transisi. Risiko fisik mencakup kejadian transition risks. Physical risks include extreme weather
cuaca ekstrem seperti banjir atau kekeringan, longsor, events such as floods or droughts, landslides, as well
serta dampak jangka panjang seperti peningkatan suhu as long-term impacts such as an increase in average
rata-rata global. Sementara itu, risiko transisi berkaitan global temperatures. Meanwhile, transition risks relate
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 143
Page 144
dengan pergeseran menuju ekonomi rendah karbon, to the shift toward a low-carbon economy, including
termasuk perubahan regulasi, dinamika pasar, dan changes in regulations, market dynamics, and energy-
inovasi teknologi energi efisien. Dalam mengelola kedua efficient technological innovations. In managing both
jenis risiko tersebut, Bank secara konsisten mendorong types of risks, the Bank consistently encourages the
keterlibatan seluruh pemangku kepentingan dalam involvement of all stakeholders in efforts to mitigate
upaya mengurangi dampak lingkungan yang dapat environmental impacts that may arise from business
timbul dari kegiatan operasional bisnis. operational activities.
Kerangka TCFD
TCFD Framework
Tata Kelola Strategi Manajemen Risiko Metrik dan Target
Governance Strategy Risk Management Metrics and Targets
Elemen Inti
Rekomendasi TCFD Tata kelola Dampak aktual Proses yang Metrik dan target
atas Pengungkapan perusahaan dan potensial dari perusahaan yang perusahaan
Financial terkait seputar risiko dan risiko dan peluang lakukan untuk gunakan untuk
Iklim peluang terkait terkait iklim pada mengidentifikasi, menilai serta
Core Elements iklim. bisnis, strategi, menilai, dan mengelola risiko
of the TCFD Corporate dan perencanaan mengelola risiko dan peluang terkait
Recommendations governance keuangan iklim. iklim yang relevan.
on Climate- related to climate- perusahaan. The processes The metrics and
Related Financial related risks and The actual and undertaken by the targets used by
Disclosures. opportunities. potential impacts of company to identify, the company to
climate-related risks assess, and manage assess and manage
and opportunities climate-related relevant climate-
on the company’s risks. related risks and
business, strategy, opportunities.
and financial
planning.
144 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 145
Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Identifikasi Risiko dan Peluang Perubahan Iklim bagi Bank [GRI 201-2]
Identification of Climate Change Risks and Opportunities for the Bank
Potensi
Kemungkinan Langkah Mitigasi/Strategi
Dampak
Terjadinya untuk Merespon Risiko
Risiko Fisik Pemicu Risiko Risiko Finansial
Risiko Mitigation Measures/
Physical Risk Risk Triggers Risk Potential
Probability of Strategies for Responding
Financial
Occurrence to Risks
Impact
Banjir Intensitas hujan Tinggi di wilayah Risiko yang Peningkatan 1. Melakukan simulasi dampak
Floods ekstrem rawan menyebabkan Loss Given sesuaipanduan ClimateRisk
Extreme rainfall Highinvulnerable terganggunya Default (LGD) Management & Scenario
intensity areas operasional dan dan penurunan Analysis (CRMS).
pendapatan debitur nilai asset. 2. Diversifikasi sektor dan
Kebakaran Perubahan cuaca & Mungkin di sektor terdampak. Increase in Loss wilayah pembiayaan.
Fires kekeringan Possible Risks that may disrupt Given Default 3. M e l a k u k a n P i l o t i n g
Weather variability the operations and (LGD)anddecline pengklasifikasian debitur
and drought revenue of debtors in in asset values. berdasarkan kategori
Kenaikan suhu rata- Pemanasan global Mungkin affected sectors. Taksonomi untuk Keuangan
rata Global warming Possible Berkelanjutan Indonesia
Rising average (TKBI).
temperatures 1. Conductimpactsimulations
in accordance with the
Kenaikan permukaan Perubahan iklim Mungkin Climate Risk Management
air laut Climate change Possible & Scenario Analysis (CRMS)
Sea level rise guidelines.
2. Diversify financing across
sectors and geographic
regions.
3. Conduct a pilot project to
classify debtors based on
the Indonesian Sustainable
Finance Taxonomy (TKBI)
categories.
Perubahan kebijakan Kebijakan regulator Mungkin Risiko yang timbul Peningkatan 1. Menginternalisasi budaya
dan hukum Regulatory policies Possible jika bank tidak dapat biayaoperasional ke r j a b e r ke l a n j u t a n
Changes in policies menerapkankebijakan (Opex) dan kepada pegawai dan
and regulations dan hukum mengenai bagi debitur meningkatkan pemahaman
perubahan iklim. berdampakpada melalui pelatihan terkait
Risks arising if the peningkatan keberlanjutan.
Bank is unable to Probability of 2. Melakukan kajian dan
comply with climate- Default (PD). mengkinikan kebijakan/
related policies and Increase in prosedur internal terkait
regulations. operational keberlanjutan.
expenses(Opex), 3. PembuatanLaporanRencana
and for debtors, AksiKeuanganBerkelanjutan
a potential rise (RAKB)
in Probability of 1. Internalizeasustainablework
Default (PD). culture among employees
and enhance understanding
through sustainability-
related training.
2. Conductreviewsandupdate
internal sustainability-
related policies and
procedures.
3. Prepare the Sustainable
Finance Action Plan (RAKB)
Report.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 145
Page 146
Identifikasi Risiko dan Peluang Perubahan Iklim bagi Bank [GRI 201-2]
Identification of Climate Change Risks and Opportunities for the Bank
Potensi
Kemungkinan Langkah Mitigasi/Strategi
Dampak
Terjadinya untuk Merespon Risiko
Risiko Fisik Pemicu Risiko Risiko Finansial
Risiko Mitigation Measures/
Physical Risk Risk Triggers Risk Potential
Probability of Strategies for Responding
Financial
Occurrence to Risks
Impact
Perubahan teknologi Peralihan teknologi Mungkin Risikoteknologiberupa Peningkatan Bank mengembangkan dan
Technologicalchanges rendah emisi Possible perkembanganteknologi biaya modal mengintegrasikan sistem
Transition to low- dapatmenimbulkanrisiko ( Capex ) dari maupun teknologi yang
emissiontechnology bagi keberlangsungan pengadaan mendukung operasional terkait.
usaha,terutamaterkait teknologi TheBankdevelopsandintegrates
kebutuhanbelanjamodal rendah emisi systems and technologies that
yangbesaruntukadopsi dan bagi debitur support related operational
teknologi baru serta berdampakpada activities.
potensi terjadinya peningkatan
impairment aset. Di Probability of
sisi lain, tekanan untuk Default (PD).
melakukan transisi ke Increaseincapital
teknologi rendah emisi expenditure
dapat menyebabkan (Capex) for the
aset eksisting menjadi procurement of
tidak ekonomis atau low-emission
dihentikan lebih cepat technologies,
dari masa manfaatnya. whichfordebtors
Technology-relatedrisks may result in a
arisingfromtechnological higherProbability
advancementsmaypose of Default (PD).
challenges to business
continuity, particularly
due to the substantial
capital expenditure
requiredfortheadoption
of new technologies
and the potential for
asset impairment.
Furthermore, pressure
to transition to low-
emission technologies
may render existing
assets economically
unviableorleadtotheir
earlyretirementpriorto
theendoftheirusefullife.
Perubahan sentimen Pasar beralih pada Mungkin Risiko muncul ketika Penurunan Mendorong pembiayaan dan
pasar produk hijau/emisi Possible pasar beralih ke pendapatan penempatandanapadakegiatan
Changes in market rendah produk dengan emisi bank. yang termasuk dalam Kategori
sentiment Market shift toward yang lebih rendah. Decline in the Kegiatan Usaha Berwawasan
green/low-emission Risks arising when the Bank’s revenue. Lingkungan (KUBL).
products market shifts toward Promote financing and fund
lower-emission placementsinactivitiesclassified
products. under the Environmentally
Sustainable Business Activities
(KUBL) categories.
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Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Identifikasi Risiko dan Peluang Perubahan Iklim bagi Bank [GRI 201-2]
Identification of Climate Change Risks and Opportunities for the Bank
Potensi
Kemungkinan Langkah Mitigasi/Strategi
Dampak
Terjadinya untuk Merespon Risiko
Risiko Fisik Pemicu Risiko Risiko Finansial
Risiko Mitigation Measures/
Physical Risk Risk Triggers Risk Potential
Probability of Strategies for Responding
Financial
Occurrence to Risks
Impact
Reputasi Publikasi negatif Mungkin Publikasi negatif Penurunan Transparansi pelaporan
Reputation terkait pengelolaan Possible terkait pegelolaan pendapatan keberlanjutanyangdapatdiakses
risiko perubahan risiko perubahan iklim bank. oleh masyarakat.
iklim dapat menurunkan Decline in the Transparent sustainability
Negative publicity kepercayaan Bank’s revenue. reporting that is accessible to
related to climate masyarakat dan the public.
risk management merusak reputasi
bank.
Negative publicity
related to climate
risk management
may reduce public
trust and damage
the Bank’s reputation.
Selain berdampak terhadap finansial, perubahan iklim In addition to its financial impacts, climate change
juga menciptakan peluang bagi Bank untuk memperluas also creates opportunities for the Bank to expand
layanan keuangan berkelanjutan sebagai berikut: sustainable financial services as follows:
Potensi Peluang
Peluang Pendorong Peluang Finansial Deskripsi Peluang
Opportunity Opportunity Drivers Potential Financial Opportunity Description
Opportunities
Peningkatan diversifikasi Perubahan regulasi, Peningkatan pendapatan Bank dapat memperluas pembiayaan dan
portfolio bank peningkatan kesadaran Revenue growth penempatan dana ke sektor yang berkelanjutan
Enhanced diversification nasabah, komitmen net sehingga portfolio menjadi lebih resilient dan tidak
of the Bank’s portfolio zero terkonsentrasi pada sektor berisiko tinggi karbon.
Regulatory changes, The Bank may expand its financing and fund
increased customer placements into sustainable sectors, thereby
awareness, and net-zero strengthening portfolio resilience and reducing
commitments concentration in high carbon-intensive sectors.
Peningkatan reputasi Tuntutan transparansi Peningkatan valuasi dan Implementasi strategi keuangan keberlanjutan
bank dan standar pelaporan kepercayaan nasabah dapat meningkatkan rating bank terkait keuangan
Enhanced Bank keberlanjutan Increased valuation and berkelanjutan, memperkuat reputasi bank, dan
reputation Increasing demand customer confidence menarik nasabah.
for transparency and The implementation of a sustainable finance
sustainability reporting strategy may improve the Bank’s sustainability-
standards related ratings, strengthen its reputation, and
attract customers.
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Kewajiban Program Pensiun Manfaat Defined Benefit Pension Obligations and
Pasti dan Program Pensiun Lainnya Other Pension Programs
Sebagai bentuk apresiasi atas dedikasi dan kontribusi As a form of appreciation for the dedication and
karyawan, Bank menyediakan imbalan pasca kerja bagi contributions of its employees, the Bank provides
karyawan tetap yang telah mencapai usia pensiun post-employment benefits to permanent employees
normal, yaitu 55 tahun. Pemberian imbalan tersebut who have reached the normal retirement age of 55
dilaksanakan sesuai dengan ketentuan yang diatur years. The provision of these benefits is carried out
dalam Undang-Undang Nomor 6 Tahun 2023 tentang in accordance with the provisions stipulated in Law
Penetapan Peraturan Pemerintah Pengganti Undang- Number 6 of 2023 on the Enactment of Government
Undang Nomor 2 Tahun 2022 tentang Cipta Kerja Regulation in Lieu of Law Number 2 of 2022 concerning
menjadi Undang-Undang, serta Peraturan Pemerintah Job Creation into Law, as well as Government Regulation
Nomor 35 Tahun 2021. Dalam pencatatannya, Bank Number 35 of 2021. In its accounting treatment, the
mengakui liabilitas imbalan pasca kerja berdasarkan Bank recognizes post-employment benefit liabilities
PSAK 24 (Revisi 2013) dengan mempertimbangkan in accordance with PSAK 24 (Revised 2013), taking
amandemen PSAK 24 tahun 2015 serta penyesuaian into account the 2015 amendment to PSAK 24 and
terbatas pada PSAK 24 tahun 2016. Jumlah karyawan the limited amendments to PSAK 24 in 2016. As of
Bank yang memiliki hak atas imbalan pasca kerja December 31, 2025, the number of Bank employees
tercatat sebanyak 814 karyawan per 31 Desember entitled to post-employment benefits amounted to
2025, turun dibandingkan tahun 2024, yang mencapai 814 employees, representing an decrease compared
934 orang. [GRI 3-3, 201-3] to 2024, which recorded 934 employees. [GRI 3-3, 201-3]
Dalam pelaksanaan pemberian imbalan pasca kerja, In implementing post-employment benefits, the Bank
Bank berpedoman pada ketentuan Undang-Undang refers to the provisions of Manpower Law Number
Ketenagakerjaan Nomor 13 Tahun 2003 yang mengatur 13 of 2003, which clearly regulates the formula for
secara jelas formula perhitungan jumlah minimum calculating the minimum amount of pension benefits
imbalan pensiun bagi karyawan yang memasuki masa for employees entering retirement. The pension
purna tugas. Program pensiun yang diterapkan oleh program implemented by the Bank is a defined benefit
Bank merupakan program pensiun imbalan pasti, pension plan, under which the amount of pension
di mana besaran manfaat pensiun telah ditetapkan benefits is predetermined. The determination of the
sebelumnya. Penetapan jumlah imbalan tersebut benefit amount takes into account several key relevant
mempertimbangkan sejumlah faktor utama yang factors, including retirement age, years of service, and
relevan antara lain usia pensiun, masa kerja, serta the employee’s final compensation.
kompensasi terakhir yang diterima oleh karyawan.
Liabilitas imbalan pasca kerja mencerminkan nilai kini Post-employment benefit liabilities represent the
dari kewajiban imbalan pasti yang akan dibayarkan present value of defined benefit obligations that
kepada karyawan pada saat pensiun dan diakui pada will be paid to employees upon retirement and are
tanggal laporan posisi keuangan. Perhitungan liabilitas recognized as of the statement of financial position
ini dilakukan setiap tahun oleh aktuaris independen date. The calculation of these liabilities is performed
yang memiliki kompetensi dalam penghitungan dan annually by an independent actuary with expertise in
analisis kewajiban jangka panjang, termasuk kewajiban the calculation and analysis of long-term obligations,
pensiun. Dalam proses perhitungannya, aktuaris including pension obligations. In carrying out the
menggunakan metode projected unit credit untuk calculation, the actuary applies the projected unit
mengestimasi kewajiban dengan mempertimbangkan credit method to estimate the obligation by considering
masa kerja karyawan, usia pensiun, serta proyeksi employees’ years of service, retirement age, as well
kenaikan gaji dan tingkat inflasi. Nilai kini kewajiban as projected salary increases and inflation rates. The
imbalan pasti tersebut ditentukan melalui proses present value of the defined benefit obligation is
diskonto atas estimasi arus kas keluar di masa depan determined by discounting the estimated future cash
dengan menggunakan tingkat suku bunga Obligasi outflows using the interest rate of Government Bonds
Pemerintah dalam mata uang yang sama dengan mata denominated in the same currency as the benefit
uang pembayaran imbalan, serta dengan jangka waktu payments and with maturities that approximate the
yang mendekati jatuh tempo kewajiban pensiun terkait. maturity of the related pension obligations. [GRI 3-3]
[GRI 3-3]
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Memperkuat Pertumbuhan Berkelanjutan
Strenghten Sustainable Growth
Bantuan Finansial yang Diterima dari Financial Assistance Received from the
Pemerintah Government
Sebagai entitas bisnis di sektor jasa keuangan, Bank As a business entity in the financial services sector,
beroperasi sebagai perusahaan swasta berbentuk the Bank operates as a privately owned limited liability
perseroan terbatas yang menjalankan kegiatan usaha company conducting banking activities. In carrying
di bidang perbankan. Dalam menjalankan fungsinya, out its functions, the Bank provides a wide range of
Bank menyediakan beragam layanan keuangan antara financial services, including fund mobilization, loan
lain penghimpunan dana, penyaluran pinjaman, disbursement, fund transfer services, as well as various
layanan transfer dana, serta berbagai produk investasi investment products that support economic activities
lainnya yang berperan dalam mendukung aktivitas of the public and the business community. The Bank’s
perekonomian masyarakat dan dunia usaha. Struktur shareholding structure is diversified, with six private
kepemilikan saham Bank bersifat terdiversifikasi di companies collectively owning 40.70% of the shares,
mana enam perusahaan swasta secara kolektif memiliki while the remaining 59.30% is held by the public.
40,70% saham, sementara 59,30% saham lainnya
dimiliki oleh masyarakat umum.
Sepanjang tahun pelaporan, Bank mencatat kinerja Throughout the reporting year, the Bank recorded
operasional yang tetap optimal, sebagaimana tercermin consistently optimal operational performance,
dari keberhasilan pencapaian target-target yang telah as reflected in the successful achievement of its
ditetapkan sebelumnya. Seluruh aktivitas operasional predetermined targets. All operational activities
dan pencapaian kinerja tersebut dijalankan secara and performance achievements were carried out
mandiri tanpa adanya dukungan bantuan keuangan independently without any financial assistance from
dari pemerintah, baik berupa pembebasan pajak, the government, whether in the form of tax exemptions,
fasilitas kredit pajak, subsidi, hibah investasi, maupun tax credits, subsidies, investment grants, or other
bentuk bantuan lainnya. [GRI 3-3, 201-4] forms of assistance. [GRI 3-3, 201-4]
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Menghadirkan Manfaat Nyata Bagi Masyarakat Bringing Real Benefits to The Community
Page 151
08
Page 152
Menghadirkan Manfaat Nyata bagi Masyarakat
Delivering Tangible Benefits to The Community
Masyarakat merupakan salah satu pemangku The community is one of the Company’s key
kepentingan utama yang memiliki peran strategis stakeholders, playing a strategic role in supporting
dalam mendukung keberlangsungan usaha Bank. the sustainability of the Bank’s business. As a financial
Sebagai lembaga keuangan yang beroperasi dan institution that operates and grows alongside the
berkembang bersama masyarakat, Bank meyakini community, the Bank believes that business success
bahwa keberhasilan bisnis tidak hanya diukur is not solely measured by financial performance, but
dari kinerja finansial, tetapi juga dari kemampuan also by the Company’s ability to provide sustainable
perusahaan dalam memberikan kontribusi positif yang and positive contributions to the social and economic
berkelanjutan bagi lingkungan sosial dan ekonomi. Oleh environment. Therefore, harmonious and trust-based
karena itu, hubungan yang harmonis serta dilandasi relationships with the community form an essential
kepercayaan dengan masyarakat menjadi fondasi foundation for maintaining the Bank’s reputation and
penting dalam menjaga reputasi dan keberlanjutan long-term sustainability.
Bank.
Sejalan dengan pemahaman tersebut, Bank menyadari In line with this understanding, the Bank recognizes
bahwa setiap aktivitas operasional berpotensi that every operational activity may generate impacts
menimbulkan dampak terhadap masyarakat dan on the community and the environment, both positive
lingkungan, baik dampak positif maupun negatif. Menyikapi and negative. In response, the Bank is committed to
hal ini, Bank berkomitmen untuk mengoptimalkan maximizing the benefits generated while minimizing
manfaat yang dihasilkan sekaligus meminimalkan potensi potential adverse impacts through the application of
dampak negatif melalui penerapan prinsip kehati-hatian, prudential principles, environmental and social risk
pengelolaan risiko lingkungan dan sosial, serta pelaksanaan management, and the implementation of responsible
praktik bisnis yang bertanggung jawab. Komitmen tersebut business practices. This commitment constitutes an
merupakan bagian integral dari strategi keberlanjutan integral part of the Bank’s sustainability strategy, which
Bank yang dijalankan secara konsisten dan selaras dengan is implemented consistently and in accordance with
ketentuan peraturan perundang-undangan serta prinsip applicable laws and regulations as well as sustainable
keuangan berkelanjutan. finance principles.
Dalam rangka mewujudkan komitmen tersebut, Bank To realize this commitment, the Bank undertakes
melaksanakan berbagai upaya strategis untuk memastikan various strategic initiatives to ensure that its operations
bahwa operasional perusahaan memberikan dampak deliver tangible positive impacts to the community.
positif yang nyata bagi masyarakat. Salah satu langkah One key initiative is social mapping, which serves as
penting yang dilakukan adalah pemetaan sosial sebagai an approach to identify and understand the social
pendekatan untuk mengidentifikasi dan memahami and economic conditions and issues of communities
kondisi serta permasalahan sosial dan ekonomi surrounding the Bank’s operational areas. This social
masyarakat di sekitar wilayah operasional Bank. Pemetaan mapping not only functions as an internal evaluation
sosial ini tidak hanya berfungsi sebagai sarana evaluasi tool, but also as a means of actively engaging the
internal, tetapi juga menjadi media pelibatan masyarakat community in identifying potential impacts and
secara aktif dalam mengidentifikasi potensi dampak formulating solutions for potential or existing impacts.
serta merumuskan solusi atas dampak yang berpotensi The results of the social mapping then form the
maupun yang telah terjadi. Hasil pemetaan sosial tersebut basis for the design of more targeted, effective, and
selanjutnya menjadi dasar dalam perancangan program relevant Corporate Social Safety Responsibility (CSSR)
Corporate Social Safety Responsibility (CSSR) yang lebih programs, thereby enabling meaningful contributions
terarah, efektif, dan relevan, sehingga mampu memberikan to the improvement of social and economic welfare in
kontribusi yang signifikan terhadap peningkatan surrounding communities. [GRI 3-3]
kesejahteraan sosial dan ekonomi masyarakat sekitar.
[GRI 3-3]
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Upaya Bank dalam melibatkan masyarakat dan memastikan The Bank’s efforts to engage the community and ensure
tersalurnya manfaat yang optimal dari operasional the optimal distribution of benefits from its operations
perusahaan merupakan wujud nyata kepatuhan terhadap represent concrete compliance with Law No. 40 of
Undang-Undang No. 40 Tahun 2007 tentang Perseroan 2007 on Limited Liability Companies, particularly
Terbatas, khususnya yang mengatur pelaksanaan provisions governing the implementation of Social
Tanggung Jawab Sosial dan Lingkungan (TJSL). Ketentuan and Environmental Responsibility. These provisions
tersebut menegaskan tanggung jawab perusahaan untuk emphasize the responsibility of companies to actively
berperan aktif dalam mendukung pembangunan ekonomi support sustainable economic development in order
berkelanjutan guna meningkatkan kualitas kehidupan dan to improve the quality of life and the environment,
lingkungan, tidak hanya bagi perusahaan, tetapi juga bagi not only for the company itself, but also for local
komunitas setempat dan masyarakat secara luas. communities and society at large.
Sebagai bagian dari implementasi TJSL, Bank menyusun As part of the implementation of TJSL, the Bank
dan menjalankan berbagai program CSSR yang mencakup designs and carries out various CSSR programs
bidang pelestarian lingkungan, penanggulangan bencana, covering environmental conservation, disaster
kegiatan sosial kemasyarakatan, serta pemberdayaan management, social and community activities, and
masyarakat. Program-program CSSR yang dirancang community empowerment. These CSSR programs,
dan dilaksanakan secara terencana serta terkoordinasi which are planned and implemented in a structured
ini diharapkan dapat memperkuat hubungan Bank dengan and coordinated manner, are expected to strengthen
masyarakat, meningkatkan kepercayaan publik, serta the Bank’s relationship with the community, enhance
menciptakan ekosistem bisnis yang inklusif dan berdaya public trust, and create an inclusive and competitive
saing. Dengan demikian, Bank tidak hanya beroperasi business ecosystem. In this way, the Bank operates
sebagai entitas bisnis, tetapi juga berperan sebagai agen not only as a business entity, but also as an agent of
perubahan yang mendukung pertumbuhan berkelanjutan change that supports sustainable growth and shared
dan kesejahteraan bersama, yang pada akhirnya prosperity, which ultimately plays a crucial role in
menjadi faktor penting dalam menjaga keberlangsungan maintaining the Bank’s operational continuity.
operasional Bank.
Sepanjang tahun 2025, Bank mengalokasikan dana Throughout 2025, the Bank allocated CSSR funds
CSSR sebesar Rp8,19 miliar. Pelaksanaan program CSSR amounting to IDR8.19 billion. The implementation
tersebut dikoordinasikan oleh Corporate Secretary yang of these CSSR programs was coordinated by the
bertanggung jawab atas perencanaan, pelaksanaan, serta Corporate Secretary, who is responsible for the
pengendalian kegiatan secara terpadu. integrated planning, execution, and control of the
activities.
Tujuan Penerapan CSSR Objectives of CSSR Implementation
Pelaksanaan Corporate Social Safety Responsibility The implementation of the Bank’s Corporate Social
(CSSR) Bank yang dirancang secara terarah, terprogram, Safety Responsibility (CSSR), which is designed to be
dan tepat sasaran bertujuan untuk: focused, structured, and well-targeted, aims to:
1. Meningkatkan kualitas kehidupan dan lingkungan 1. Improve the quality of life and the environment in
yang bermanfaat dan kondusif bagi Bank, komunitas a manner that is beneficial and conducive to the
setempat, dan masyarakat pada umumnya; Bank, local communities, and society at large;
2. Mendukung terjalinnya hubungan Bank yang serasi, 2. Support the establishment of harmonious, balanced,
seimbang, dan sesuai dengan lingkungan, nilai, and appropriate relationships between the Bank and
norma,dan budaya masyarakat setempat; its surrounding environment, values, norms, and local
cultural practices;
3. Memberikan manfaat jangka panjang sebesar- 3. Deliver the greatest possible long-term benefits to
besarnya terhadap kesejahteraan masyarakat; community welfare;
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4. Merupakan wujud nyata kepedulian Bank dalam 4. Serve as a tangible manifestation of the Bank’s
melaksanakan salah satu fungsi, yaitu sebagai agen commitment in carrying out one of its key roles
pengembangan, yang merupakan bagian dalam as an agent of development, which forms part of
penciptaan sistem tata kelola Bank yang baik; dan the creation of a sound system of good corporate
governance; and
5. Tercapainya Visi dan Misi serta Nilai-Nilai Bank. 5. Achieve the Bank’s Vision, Mission, and Core Values.
Dengan pelaksanaan CSSR yang terarah dan tepat Through the implementation of well-directed and
sasaran, Bank berupaya memberikan manfaat yang targeted CSSR initiatives, the Bank seeks to deliver
luas bagi masyarakat di sekitar wilayah operasional broad benefits to communities surrounding its
sekaligus mendorong terciptanya perubahan yang operational areas while encouraging meaningful
bermakna dalam aspek sosial dan ekonomi. Melalui social and economic change. Through comprehensive
perencanaan yang komprehensif serta evaluasi yang planning and regular evaluation, the Bank ensures that
dilakukan secara berkala, Bank memastikan setiap each social initiative undertaken is able to generate
inisiatif sosial yang dijalankan mampu memberikan sustainable long-term impacts and support inclusive
dampak jangka panjang yang berkelanjutan dan development.
mendukung pembangunan yang inklusif.
Di sisi lain, hubungan yang terbangun antara Bank dan On the other hand, the relationships built between
masyarakat melalui berbagai program sosial tersebut the Bank and the community through various social
turut berperan dalam memperkuat social security belt programs also play a role in strengthening the Bank’s
bagi Bank. Dukungan dan kepercayaan masyarakat social security belt. Community support and trust are
menjadi elemen penting dalam menjaga stabilitas essential elements in maintaining operational stability
operasional serta memperkuat citra positif perusahaan. and enhancing the Company’s positive image. Through
Dengan terjalinnya hubungan yang saling mendukung the establishment of mutually supportive relationships,
ini, Bank dapat menjalankan kegiatan usahanya secara the Bank is able to conduct its business activities
lebih berkelanjutan, memperoleh legitimasi sosial yang more sustainably, obtain stronger social legitimacy,
lebih kuat, serta memastikan kesinambungan kontribusi and ensure the continuity of its social contributions to
sosial bagi komunitas. the community.
Metode Program CSSR CSSR Program Method
Bank merancang dan melaksanakan program Corporate The Bank designs and implements Corporate Social
Social Safety Responsibility (CSSR) secara sistematis Safety Responsibility (CSSR) programs in a systematic
dan terpadu guna menciptakan dampak positif yang and integrated manner to create sustainable
berkelanjutan bagi masyarakat di sekitar wilayah positive impacts for communities surrounding its
operasional. Pelaksanaan CSSR dilakukan melalui operational areas. CSSR implementation is carried out
pendekatan partisipatif dengan melibatkan masyarakat through a participatory approach by involving local
setempat pada setiap tahapan program. Bank meyakini communities at every stage of the program. The Bank
bahwa pemberdayaan masyarakat merupakan kunci believes that community empowerment is the key to
utama dalam mendorong perubahan yang berkelanjutan driving sustainable change; therefore, the programs
sehingga program yang dijalankan tidak hanya berfokus implemented do not focus solely on direct assistance,
pada bantuan langsung, tetapi juga pada pengembangan but also on the development of local potential. Through
potensi lokal. Melalui pelatihan keterampilan, penguatan skills training, strengthening micro-enterprises, and
usaha mikro, serta perluasan akses terhadap peluang expanding access to economic opportunities, the Bank
ekonomi, Bank berupaya meningkatkan kualitas hidup seeks to improve the quality of life of communities,
masyarakat, menciptakan lapangan kerja, dan mendorong create employment opportunities, and promote
peningkatan kesejahteraan secara berkelanjutan. [GRI 3-3] sustainable improvements in welfare. [GRI 3-3]
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksanaan Kegiatan CSSR Tahun 2025 Implementation of CSSR Activities in
2025
Pelaksanaan CorCorporate Social Responsibility The implementation of the Bank’s Corporate Social
(CSSR) Bank antara lain diwujudkan melalui program Responsibility (CSSR) is, among others, realized
pelibatan dan pengembangan masyarakat (Community through Community Involvement and Development
Involvement and Development/CID). Program ini (CID) programs. These programs aim to foster
bertujuan untuk mendorong terwujudnya masyarakat the development of self-reliant and empowered
yang mandiri, berkembang, serta mampu mengelola communities that are capable of managing their
potensi yang dimiliki secara berkelanjutan. Dalam potential in a sustainable manner. In carrying out these
pelaksanaannya, Bank senantiasa mematuhi ketentuan programs, the Bank consistently complies with the
yang diatur dalam Surat Edaran Otoritas Jasa provisions set out in Circular Letter of the Financial
Keuangan Republik Indonesia Nomor 16/SEOJK.04/2021 Services Authority of the Republic of Indonesia No.
tentang Bentuk dan Isi Laporan Tahunan Emiten atau 16/SEOJK.04/2021 on the Form and Content of Annual
Perusahaan Publik, yang menjadi pedoman teknis Reports of Issuers or Public Companies, which serves
dalam implementasi POJK Keuangan Berkelanjutan. as a technical guideline for the implementation of
Sustainable Finance POJK.
Sejalan dengan ketentuan tersebut, salah satu fokus In line with these provisions, one of the main focuses
utama dalam pelaksanaan Tanggung Jawab Sosial of the Bank’s Social and Environmental Responsibility
dan Lingkungan (TJSL) Bank adalah mengintegrasikan implementation is the integration of its social programs
program sosial yang dijalankan dengan 17 (tujuh belas) with the 17 (seventeen) Sustainable Development
Tujuan Pembangunan Berkelanjutan (Sustainable Goals (SDGs) in Indonesia. This approach reflects the
Development Goals/SDGs) di Indonesia. Pendekatan Bank’s commitment not only to achieving financial
ini mencerminkan komitmen Bank untuk tidak hanya performance, but also to making tangible contributions
berorientasi pada pencapaian kinerja finansial, tetapi to the improvement of community welfare and
juga berkontribusi secara nyata terhadap peningkatan environmental preservation.
kesejahteraan masyarakat serta pelestarian lingkungan.
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Berdasarkan panduan tersebut, rincian kegiatan CSSR Based on these guidelines, the details of the Bank’s
sosial kemasyarakatan beserta keterkaitannya dengan social and community CSSR activities and their
Tujuan Pembangunan Berkelanjutan (TPB) selama alignment with the Sustainable Development Goals
tahun 2025 disampaikan dalam tabel berikut: [GRI 413-1] (SDGs) in 2025 are presented in the following table:
[OJK F.25] [GRI 413-1] [OJK F.25]
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
1 CSSR & Cab. Wiladatika, Kegiatan Makan 9, 14, 15, Dalam mendukung program dari
Palembang, Cinere, Sunter, Cipanas, Bergizi Gratis 16, 17, 18, pemerintah, Tim CSSR PT Bank Artha
Suryopranoto, Melawai, Bintaro, (MBG) 20, 21, 22, Graha Internasional Tbk Internasional
Balikpapan, Borobudur, Mangga 23, 24 & Tbk melaksanakan Kegiatan Program
Dua Harco, Medan Cemara Asri, 30 Januari Makan Bergizi Gratis dengan sasaran
Pontianak, Ambon, Surabaya 2025 yaitu sekolah PAUD dan TK. Tujuan
HR Muhammad, Banjarmasin, kegiatan ini adalah untuk berkontribusi
Cokroaminoto, Batam, KPO dalam program pemerintah yaitu
Sudirman, Bandung Asia Afrika, mempersiapkan menuju generasi emas
Bitung, Bandung BKR, Langgur, 2045.
Taman Palem, Bandung Raya
Sudirman, Matraman, Tanah Abang,
Puri Indah, Semarang, Solo, Ternate,
Medan Pemuda, Kupang, Surabaya
Karet, Manado dan Subang.
CSSR & Branch Offices: Wiladatika, Free Nutritious January 9, In supporting the government’s program,
Palembang, Cinere, Sunter, Cipanas, Meal (MBG) 14, 15, 16, the CSSR Team of PT Bank Artha Graha
Suryopranoto, Melawai, Bintaro, Program 17, 18, 20, Internasional Tbk carried out the Free
Balikpapan, Borobudur, Mangga 21, 22, 23, Nutritious Meal Program targeting PAUD
Dua Harco, Medan Cemara Asri, 24, and 30, and kindergarten schools. The purpose
Pontianak, Ambon, Surabaya 2025 of this activity is to contribute to the
HR Muhammad, Banjarmasin, government’s program in preparing for
Cokroaminoto, Batam, KPO the Golden Generation 2045.
Sudirman, Bandung Asia Afrika,
Bitung, Bandung BKR, Langgur,
Taman Palem, Bandung Raya
Sudirman, Matraman, Tanah Abang,
Puri Indah, Semarang, Solo, Ternate,
Medan Pemuda, Kupang, Surabaya
Karet, Manado, and Subang.
2 CSSR Bantuan 23 Januari Sebagai bentuk kepedulian sosial, Tim
Sembako 2025 CSSR PT Bank Artha Graha Internasional
Gratis di Panti Tbk melaksanakan kegiatan Baksos
Jompo Sembako Gratis yang diberikan ke Panti
Jompo.
Free Basic January 23, As a form of social concern, the
Necessities 2025 CSSR Team of PT Bank Artha Graha
Assistance at a Internasional Tbk carried out a Free
Nursing Home Basic Necessities Social Assistance
activity provided to a nursing home.
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Sustaining Stability, Driving Growth
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
3 CSSR Bantuan 23 Januari Sebagai bentuk kepedulian sosial, Tim
Sembako 2025 CSSR PT Bank Artha Graha Internasional
Gratis di Panti Tbk melaksanakan kegiatan Baksos
Asuhan Sembako Gratis yang diberikan ke Panti
Asuhan.
Free Basic January 23, As a form of social concern, the
Necessities 2025 CSSR Team of PT Bank Artha Graha
Assistance at Internasional Tbk carried out a Free Basic
an Orphanage Necessities Social Assistance activity
provided to an orphanage.
4 CSSR & Cab. Mangga Besar Kegiatan 26 Januari Sebagai bentuk kepedulian sosial, Tim
Baksos 2025 CSSR PT Bank Artha Graha Internasional
Sembako Gratis Tbk melaksanakan kegiatan Baksos
di Vihara Sembako Gratis yang diberikan ke
Vihara.
CSSR & Mangga Besar Branch Free Basic January As a form of social concern, the
Necessities 26, 2025 CSSR Team of PT Bank Artha Graha
Social Internasional Tbk carried out a Free
Assistance Basic Necessities Social Assistance
Activity at a activity provided to a Vihara.
Vihara
5 CSSR & Cab. Bali Kuta, Mangga Kegiatan Makan 1, 5, 6, 10, Dalam mendukung program dari
Besar, Palembang, Pangkalpinang, Bergizi Gratis 11, 12, 13 & pemerintah, Tim CSSR PT Bank Artha
Makassar, Pangeran Jayakarta, (MBG) 14 Februari Graha Internasional Tbk melaksanakan
Borobudur, Karawang, Tanah Abang, 2025 Kegiatan Program Makan Bergizi Gratis
Manado, Sunter, Surabaya Karet, dengan sasaran yaitu sekolah PAUD
Mangga Dua Pasar Pagi, Bandung dan TK. Tujuan kegiatan ini adalah
Raya Sudirman, Matraman, Cirebon, untuk berkontribusi dalam program
Bitung, Subang, Kwitang dan Jambi. pemerintah yaitu mempersiapkan
menuju generasi emas 2045.
CSSR & Branch Offices: Bali Free Nutritious February 1, In supporting the government’s program,
Kuta, Mangga Besar, Palembang, Meal (MBG) 5, 6, 10, 11, the CSSR Team of PT Bank Artha Graha
Pangkalpinang, Makassar, Pangeran Program 12, 13, and Internasional Tbk carried out the Free
Jayakarta, Borobudur, Karawang, 14, 2025 Nutritious Meal Program targeting PAUD
Tanah Abang, Manado, Sunter, and kindergarten schools. The purpose
Surabaya Karet, Mangga Dua Pasar of this activity is to contribute to the
Pagi, Bandung Raya Sudirman, government’s program in preparing for
Matraman, Cirebon, Bitung, Subang, the Golden Generation 2045.
Kwitang, and Jambi.
6 CSSR Kegiatan 16 Februari Dalam rangka pelestarian lingkungan,
Gerakan Wisata 2025 PT Bank Artha Graha Internasional
Bersih Tbk melaksanakan kegiatan Gerakan
Wisata Bersih yaitu aksi bersih – bersih
area wisata Kota Tua, pengelolaan dan
pemilahan sampah.
Clean Tourism February As part of environmental preservation
Movement 16, 2025 efforts, PT Bank Artha Graha Internasional
Activity Tbk carried out the Clean Tourism
Movement activity, which involved a
clean-up action in the Kota Tua tourist
area, as well as waste management and
waste sorting.
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Page 158
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
7 CSSR & Cab. Suryopranoto Kegiatan Donor 20 Februari Dalam rangka bentuk penerapan pilar
Darah 2025 sosial kemasyarakatan AGP yang telah
lama menjadi komitmen perusahaan,
Bank Artha Graha Internasional
mengadakan kegiatan Donor Darah
bertempat di Cabang Suryopranoto.
February
CSSR & Suryopranoto Branch Blood Donation 20, 2025 As part of the implementation of the
Activity AGP social pillar, which has long been
a commitment of the Company, Bank
Artha Graha Internasional organized
a Blood Donation activity held at the
Suryopranoto Branch.
8 CSSR & Seluruh Cabang Indonesia Kegiatan Earth 22 Maret Kegiatan dalam memperingati Earth
Hour 2025 2025 Hour seluruh cabang PT Bank Artha
Graha Internasional Tbk berpartisipasi
dalam pemadaman lampu selama 90
menit.
CSSR & All Branches in Indonesia Earth Hour March 22, To commemorate Earth Hour, all
2025 Activity 2025 branches of PT Bank Artha Graha
Internasional Tbk participated in turning
off the lights for 90 minutes.
9 CSSR & Seluruh Cabang Indonesia Kegiatan 27 Maret Dalam menjalankan ibadah Puasa
Pembagian 2025 Ramadhan, PT Bank Artha Graha
Takjil Internasional Tbk melaksanakan kegiatan
Ramadhan pembagian Takjil berupa Kurma, Kolak,
2025 dan Air Mineral. Takjil dibagikan di wilayah
sekitar cabang.
CSSR & All Branches in Indonesia Ramadan March 27, During the observance of the Ramadan
2025 Takjil 2025 fast, PT Bank Artha Graha Internasional
Distribution Tbk carried out a Takjil distribution
Activity activity consisting of dates, kolak, and
mineral water. The takjil was distributed
in areas surrounding the branch offices.
10 CSSR Cab. Batam Kegiatan 19 April Tim CSSR PT Bank Artha Graha
Bantuan 2025 Internasional Tbk cepat tanggap dalam
Bencana Pohon pemberian bantuan kepada masyarakat
Tumbang sekitar cabang yang terkena bencana.
Bantuan yang diberikan yaitu dengan
melakukan pembersihan dan evakuasi
material pohon tumbang.
CSSR & Batam Branch Fallen Tree April 19, The CSSR Team of PT Bank Artha Graha
Disaster Relief 2025 Internasional Tbk responded promptly
Activity in providing assistance to communities
around the branch affected by the
disaster. The assistance provided
included clearing and evacuating debris
from fallen trees.
158 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 159
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
11 CSSR & Cab. Ujung Menteng Kegiatan Donor 30 April Dalam rangka bentuk penerapan pilar
Darah 2025 sosial kemasyarakatan AGP yang telah
lama menjadi komitmen perusahaan,
PT Bank Artha Graha Internasional Tbk
mengadakan kegiatan Donor Darah
bertempat di Cabang Ujung Menteng.
CSSR & Ujung Menteng Branch Blood Donation April 30, As part of the implementation of the
Activity 2025 AGP social pillar, which has long been a
commitment of the Company, PT Bank
Artha Graha Internasional Tbk organized
a Blood Donation activity held at the
Ujung Menteng Branch.
12 CSSR & Cab. Kwitang, Kopi, Kendari, Kegiatan 6, 7, 8, 9, 14, Tim CSSR PT Bank Artha Graha
Pekanbaru, Ternate, Pangkalpinang, Pemberian 15, 16, 19, Internasional Tbk melaksanakan
Mangga Dua Harco, Subang, Makanan 20, 21, 22, Kegiatan Program Pemberian Makanan
Samarinda, Bintaro, Tanah Abang, Tambahan 23, 27 & 28 Tambahan (PMT) dengan sasaran yaitu
Lampung, Makassar, Bandung (PMT) Mei 2025 Paud, TK & Posyandu. Tujuan kegiatan
Asia Afrika, Batam, Cinere, Medan ini adalah sebagai bentuk dukungan
Cemara Asri, Bandung BKR, Cikarang, mempersiapkan menuju generasi emas
Cipanas, Surabaya HR Muhammad, 2045.
Cokroaminoto, Bandung Raya
Sudirman, Medan Pemuda, Ambon,
Karawang, Jambi, Palembang,
Kupang, Bogor, Surabaya Karet dan
Puri Indah.
May 6, 7,
CSSR & Branch Offices: Kwitang, Supplementary 8, 9, 14, 15, The CSSR Team of PT Bank Artha
Kopi, Kendari, Pekanbaru, Ternate, Nutrition 16, 19, 20, Graha Internasional Tbk carried out the
Pangkalpinang, Mangga Dua Distribution 21, 22, 23, Supplementary Nutrition Distribution
Harco, Subang, Samarinda, Bintaro, Activity (PMT) 27, and 28, Activity (PMT) targeting PAUD,
Tanah Abang, Lampung, Makassar, 2025 kindergarten, and Posyandu, as a form
Bandung Asia Afrika, Batam, Cinere, of support in preparing for the Golden
Medan Cemara Asri, Bandung Generation 2045.
BKR, Cikarang, Cipanas, Surabaya
HR Muhammad, Cokroaminoto,
Bandung Raya Sudirman, Medan
Pemuda, Ambon, Karawang, Jambi,
Palembang, Kupang, Bogor, Surabaya
Karet, and Puri Indah.
13 CSSR & Cab. Karawang Kegiatan Donor 14 Mei Dalam rangka bentuk penerapan pilar
Darah 2025 sosial kemasyarakatan AGP yang telah
lama menjadi komitmen perusahaan,
PT Bank Artha Graha Internasional Tbk
mengadakan kegiatan Donor Darah
bertempat di Cabang Ujung Menteng.
CSSR & Karawang Branch Blood Donation May 14, As part of the implementation of the
Activity 2025 AGP social pillar, which has long been a
commitment of the Company, PT Bank
Artha Graha Internasional Tbk organized
a Blood Donation activity held at the
Ujung Menteng Branch.
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Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
14 CSSR & Cab. Mangga Dua Harco, Kegiatan Idul 6 & 7 Juni Dalam rangka memperingati Hari Raya
Jambi, Langgur, Ambon, Bandung Adha 2025 Idul Adha, Tim CSSR Bank Artha Graha
Asia Afrika, Cirebon, Lampung, Internasional melaksanakan kegiatan
Palembang, Banjarmasin, Borobudur, sosial berupa sumbangan hewan kurban
Kendari dan Ternate. dan melakukan pembagian daging
kurban untuk masyarakat sekitar yang
membutuhkan.
CSSR & Branch Offices: Mangga Eid al-Adha June 6 and To commemorate Eid al-Adha, the CSSR
Dua Harco, Jambi, Langgur, Ambon, activities 7, 2025 Team of Bank Artha Graha Internasional
Bandung Asia Afrika, Cirebon, carried out a social activity by donating
Lampung, Palembang, Banjarmasin, sacrificial animals and distributing
Borobudur, Kendari, and Ternate. the qurban meat to surrounding
communities in need.
15 CSSR & Cab. Pangkalpinang, Gading Kegiatan 7, 10, 11, 12, Tim CSSR PT Bank Artha Graha
Serpong, Kendari, Mangga Besar, Pemberian 14, 15, 16, Internasional Tbk melaksanakan
Bandung Raya Sudirman, Bogor, Makanan 17, 18, 21, Kegiatan Program Pemberian Makanan
Tanah Abang, Cokroaminoto, Tambahan 23, 24, 25 Tambahan (PMT) dengan sasaran yaitu
Taman Palem, Surabaya Karet, (PMT) & 30 Juli Paud, TK & Posyandu. Tujuan kegiatan
Medan Cemara Asri, Surabaya HR 2025 ini adalah sebagai bentuk dukungan
Muhammad, Cipanas, Lampung, Bali mempersiapkan menuju generasi emas
Denpasar, Batam, Karawang, Puri 2045.
Indah, Bandung BKR, Medan Pemuda
dan Ambon.
CSSR & Branch Offices: Supplementary July 7, 10, The CSSR Team of PT Bank Artha
Pangkalpinang, Gading Serpong, Nutrition 11, 12, 14, 15, Graha Internasional Tbk carried out the
Kendari, Mangga Besar, Bandung Distribution 16, 17, 18, Supplementary Nutrition Distribution
Raya Sudirman, Bogor, Tanah Abang, Activity (PMT) 21, 23, 24, Activity (PMT) targeting PAUD,
Cokroaminoto, Taman Palem, 25, and 30, kindergarten, and Posyandu, as a form
Surabaya Karet, Medan Cemara Asri, 2025 of support in preparing for the Golden
Surabaya HR Muhammad, Cipanas, Generation 2045.
Lampung, Bali Denpasar, Batam,
Karawang, Puri Indah, Bandung BKR,
Medan Pemuda, and Ambon.
16 CSSR Cab. Menara Global Bantuan 7 Juli 2025 Tim CSSR PT Bank Artha Graha
Bencana Banjir Internasional Tbk cepat tanggap dalam
pemberian bantuan kepada anggota
karyawannya yang terkena bencana.
Bantuan yang diberikan yaitu air mineral,
makanan dan buah.
CSSR Menara Global Branch Flood July 7, The CSSR Team of PT Bank Artha Graha
Disaster Relief 2025 Internasional Tbk responded promptly
Assistance in providing assistance to employees
affected by the disaster. The assistance
provided included mineral water, food,
and fruit.
160 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 161
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
17 CSSR Cab. Cirebon Bantuan 16 Juli Tim CSSR PT Bank Artha Graha
Renovasi 2025 Internasional Tbk melakukan bantuan
Pondok berupa renovasi akses jalan masuk dan
Pesantren jalan di lingkungan Pondok Pesantren
Buntet. Tujuan kegiatan ini untuk
memudahkan masyarakat yang ingin
berziarah dan menjalin kedekatan
dengan mitra.
CSSR Cirebon Branch Islamic July 16, The CSSR Team of PT Bank Artha Graha
Boarding 2025 Internasional Tbk provided assistance
School in the form of renovating the access
Renovation road and internal roads within the
Assistance Buntet Islamic Boarding School area.
The purpose of this activity is to facilitate
visitors who wish to make pilgrimages
and to strengthen relationships with
partners.
18 CSSR Kegiatan 23 Juli Sebagai bentuk kepedulian sosial, Tim
Penyuluhan 2025 CSSR PT Bank Artha Graha Internasional
Kesehatan Tbk melaksanakan kegiatan penyuluhan
kesehatan dan pengecekan kesehatan
gratis seperti gula darah, hipertensi, asam
urat dan kolesterol serta pemberian
paket sembako gratis ke vihara.
Health July 23, As a form of social concern, the
Awareness 2025 CSSR Team of PT Bank Artha Graha
Activity Internasional Tbk carried out a health
education activity and free health
check-ups, including blood sugar,
hypertension, uric acid, and cholesterol
tests, as well as the distribution of free
basic necessities packages to a Vihara.
19 CSSR & Cab. Gading Serpong, Kegiatan 5, 6, 7, 8, Tim CSSR PT Bank Artha Graha
Tanah Abang, Kendari, Bandung Pemberian 12, 13, 14, 15, Internasional Tbk melaksanakan
Asia Afrika, Cokroaminoto, Surabaya Makanan 20, 22 & Kegiatan Program Pemberian Makanan
HR Muhammad, Pangkalpinang, Tambahan 29 Agustus Tambahan (PMT) dengan sasaran yaitu
Balikpapan, Surabaya Karet, Kupang, (PMT) 2025 Paud, TK & Posyandu. Tujuan kegiatan
Batam, Cinere, Cipanas, Medan ini adalah sebagai bentuk dukungan
Pemuda, Makassar dan Ambon. mempersiapkan menuju generasi emas
2045.
CSSR & Branch Offices: Gading Supplementary August 5, The CSSR Team of PT Bank Artha
Serpong, Tanah Abang, Kendari, Nutrition 6, 7, 8, 12, Graha Internasional Tbk carried out the
Bandung Asia Afrika, Cokroaminoto, Distribution 13, 14, 15, Supplementary Nutrition Distribution
Surabaya HR Muhammad, Activity (PMT) 20, 22, and Activity (PMT) targeting PAUD,
Pangkalpinang, Balikpapan, 29, 2025 kindergarten, and Posyandu, as a form
Surabaya Karet, Kupang, Batam, of support in preparing for the Golden
Cinere, Cipanas, Medan Pemuda, Generation 2045.
Makassar, and Ambon.
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Page 162
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
20 CSSR & Cab. Taman Palem, Kegiatan 2, 3, 18, 20, Tim CSSR PT Bank Artha Graha
Gading Serpong, Tanah Abang, Pemberian 24 & 25 Internasional Tbk melaksanakan
Cokroaminoto, Batam, Surabaya Makanan September Kegiatan Program Pemberian Makanan
HR Muhammad dan Ambon. Tambahan 2025 Tambahan (PMT) dengan sasaran yaitu
(PMT) Paud, TK & Posyandu. Tujuan kegiatan
ini adalah sebagai bentuk dukungan
mempersiapkan menuju generasi emas
2045.
CSSR & Branch Offices: Taman Supplementary September The CSSR Team of PT Bank Artha
Palem, Gading Serpong, Tanah Nutrition 2, 3, 18, 20, Graha Internasional Tbk carried out the
Abang, Cokroaminoto, Batam, Distribution 24, and 25, Supplementary Nutrition Distribution
Surabaya HR Muhammad, and Activity (PMT) 2025 Activity (PMT) targeting PAUD,
Ambon. kindergarten, and Posyandu, as a form
of support in preparing for the Golden
Generation 2045.
21 CSSR Cab. Semarang Bantuan 12 Dalam rangka merayakan HUT TNI ke-80,
Pemberian September Tim CSSR Bank Artha Graha Internasional
Baksos KODAM 2025 turut berpartisipasi dengan memberikan
IV Diponegoro bantuan baksos gratis untuk KODAM IV
Diponegoro yang akan ditujukan untuk
masyarakat yang membutuhkan.
CSSR Semarang Branch Social September In commemoration of the 80th
Assistance 12, 2025 Anniversary of the Indonesian National
Donation to Armed Forces (TNI), the CSSR Team
KODAM IV of Bank Artha Graha Internasional
Diponegoro participated by providing free social
assistance to KODAM IV Diponegoro,
which will be distributed to communities
in need.
22 CSSR Kegiatan Donor 23 Dalam rangka bentuk penerapan pilar
Darah September sosial kemasyarakatan AGP yang telah
2025 lama menjadi komitmen perusahaan,
PT Bank Artha Graha Internasional Tbk
mengadakan kegiatan Donor Darah
bertempat di Gedung Artha Graha.
Blood Donation September As part of the implementation of the
Activity 23, 2025 AGP social pillar, which has long been a
commitment of the Company, PT Bank
Artha Graha Internasional Tbk organized
a Blood Donation activity held at the
Artha Graha Building.
162 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 163
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
23 CSSR & Cab. Kupang Bantuan 2&8 Dalam rangka merayakan HUT TNI ke-
Pemberian Oktober 80, Tim CSSR PT Bank Artha Graha
Baksos HUT TNI 2025 Internasional Tbk turut berpartisipasi
ke-80 dengan memberikan bantuan baksos
gratis untuk Mabes TNI Cilangkap
dan KOREM 161 Wirasakti yang akan
disalurkan untuk masyarakat.
CSSR & Kupang Branch Social October In commemoration of the 80th
Assistance 2 and 8, Anniversary of the Indonesian National
for the 80th 2025 Armed Forces (TNI), the CSSR Team of
Anniversary of PT Bank Artha Graha Internasional Tbk
the TNI participated by providing free social
assistance to the TNI Headquarters in
Cilangkap and KOREM 161 Wirasakti,
which will be distributed to the
community.
24 CSSR & Cab. Gading Serpong, Kegiatan 2, 7, 14, 17, Tim CSSR PT Bank Artha Graha
Kendari, Cokroaminoto, Kupang, Pemberian 20, 27 & 29 Internasional Tbk melaksanakan
Batam, Tanah Abang, Ambon dan Makanan Oktober Kegiatan Program Pemberian Makanan
Surabaya Karet. Tambahan 2025 Tambahan (PMT) dengan sasaran yaitu
(PMT) Paud, TK & Posyandu. Tujuan kegiatan
ini adalah sebagai bentuk dukungan
mempersiapkan menuju generasi emas
2045.
CSSR & Branch Offices: Gading Supplementary October 2, The CSSR Team of PT Bank Artha
Serpong, Kendari, Cokroaminoto, Nutrition 7, 14, 17, 20, Graha Internasional Tbk carried out the
Kupang, Batam, Tanah Abang, Distribution 27, and 29, Supplementary Nutrition Distribution
Ambon, and Surabaya Karet. Activity (PMT) 2025 Activity (PMT) targeting PAUD,
kindergarten, and Posyandu, as a form
of support in preparing for the Golden
Generation 2045.
25 CSSR & Cab. Karawang Kegiatan Donor 7 Oktober Dalam rangka bentuk penerapan pilar
Darah 2025 sosial kemasyarakatan AGP yang telah
lama menjadi komitmen perusahaan,
PT Bank Artha Graha Internasional Tbk
mengadakan kegiatan Donor Darah
bertempat di Cabang Karawang.
CSSR & Karawang Branch Blood Donation October 7, As part of the implementation of the
Activity 2025 AGP social pillar, which has long been a
commitment of the Company, PT Bank
Artha Graha Internasional Tbk organized
a Blood Donation activity held at the
Karawang Branch.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 164
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
26 CSSR & Cab. Matraman Kegiatan Donor 16 Oktober Dalam rangka bentuk penerapan pilar
Darah 2025 sosial kemasyarakatan AGP yang telah
lama menjadi komitmen perusahaan,
PT Bank Artha Graha Internasional Tbk
mengadakan kegiatan Donor Darah
bertempat di Cabang Matraman.
CSSR & Matraman Branch Blood Donation October 16, As part of the implementation of the
Activity 2025 AGP social pillar, which has long been a
commitment of the Company, PT Bank
Artha Graha Internasional Tbk organized
a Blood Donation activity held at the
Matraman Branch.
27 CSSR Cab. Cirebon Kegiatan 22 Oktober Dalam rangka memperingati Hari
Hari Santri 2025 Santri Nasional tim CSSR Bank PT
Nasional Buntet Bank Artha Graha Internasional Tbk
Pesantren turut berpartisipasi dan memeriahkan
Cirebon rangkaian acara seperti pawai, upacara
dan ziarah kubur makam sesepuh Buntet
serta memberikan bantuan air mineral
gratis untuk seluruh santri.
CSSR Cirebon Branch National Santri October In commemoration of National Santri
Day Activity at 22, 2025 Day, the CSSR Team of PT Bank Artha
Buntet Islamic Graha Internasional Tbk participated
Boarding in and enlivened the series of activities
School, Cirebon such as a parade, ceremony, and
pilgrimage to the graves of the elders of
Buntet, as well as provided free mineral
water for all santri.
28 CSSR & Cab. Bandung Asia Afrika, Kegiatan 7, 10 & 20 Tim CSSR PT Bank Artha Graha
Gading Serpong, Cokroaminoto Pemberian November Internasional Tbk melaksanakan
dan Batam. Makanan 2025 Kegiatan Program Pemberian Makanan
Tambahan Tambahan (PMT) dengan sasaran yaitu
(PMT) Paud, TK & Posyandu. Tujuan kegiatan
ini adalah sebagai bentuk dukungan
mempersiapkan menuju generasi emas
2045.
CSSR & Branch Offices: Bandung Supplementary November The CSSR Team of PT Bank Artha
Asia Afrika, Gading Serpong, Nutrition 7, 10, and Graha Internasional Tbk carried out the
Cokroaminoto, and Batam. Distribution 20, 2025 Supplementary Nutrition Distribution
Activity (PMT) Activity (PMT) targeting PAUD,
kindergarten, and Posyandu, as a form
of support in preparing for the Golden
Generation 2045.
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Sustaining Stability, Driving Growth
Page 165
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelaksana Kegiatan Nama Tanggal Uraian Kegiatan Kesesuaian
Activity Organizer Kegiatan Kegiatan Activity Description dengan
No Activity Name Activity TPB
Date Alignment
with SDGs
29 CSSR & Cab. Cipanas Kegiatan Hari 15 Sebagai bentuk toleransi beragama Tim
Toleransi November CSSR PT Bank Artha Graha Internasional
Internasional 2025 Tbk turut serta berpartisipasi
dalam memperingati Hari Toleransi
Internasional yang dilaksanakan di
Vihara Sakyawanaram, Cianjur sekaligus
memecahkan Rekor MURI Indonesia
sebagai wujud terciptanya kesatuan
dan persatuan antar umat beragama
di Indonesia khsususnya Kabupaten
Cianjur.
CSSR & Cipanas Branch International November As a form of religious tolerance, the
Day for 15, 2025 CSSR Team of PT Bank Artha Graha
Tolerance Internasional Tbk participated in
Activity commemorating the International Day for
Tolerance held at Vihara Sakyawanaram,
Cianjur, while also contributing to the
achievement of an Indonesian MURI
Record as a manifestation of unity and
harmony among religious communities
in Indonesia, particularly in Cianjur
Regency.
30 CSSR & Seluruh Cabang Indonesia Kegiatan Pasar 11 Dalam rangka kepedulian sosial dan
Murah Desember sebagai upaya membantu meringankan
2025 beban ekonomi masyarakat dalam
memenuhi kebutuhan pokok sehari
– hari Tim CSSR PT Bank Artha Graha
Internasional Tbk melaksanakan kegiatan
Pasar Murah yang dilakukan oleh seluruh
cabang di Indonesia.
CSSR & All Branches in Indonesia Affordable December As part of its social concern and in an
Market Activity 11, 2025 effort to help ease the economic burden
of communities in meeting their daily
basic needs, the CSSR Team of PT Bank
Artha Graha Internasional Tbk carried
out an Affordable Market Program
implemented by all branches across
Indonesia.
31 CSSR Cab. Medan Pemuda Bantuan Korban 13 Tim CSSR PT Bank Artha Graha
Bencana Alam Desember Internasional Tbk cepat tanggap dalam
2025 pemberian bantuan kepada masyarakat
sekitar cabang yang terkena bencana
banjir bandang. Bantuan yang diberikan
berupa barang kebutuhan pokok.
CSSR Medan Pemuda Branch Natural December The CSSR Team of PT Bank Artha Graha
Disaster Relief 13, 2025 Internasional Tbk responded promptly
Assistance in providing assistance to communities
around the branch affected by the flash
flood disaster. The assistance provided
consisted of basic necessities.
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Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 165
Page 166
Program Literasi dan Inklusi Keuangan Financial Literacy and Inclusion Program
[FN-CB-240a.4] [FN-CB-240a.4]
Literasi dan inklusi keuangan merupakan pilar krusial Financial literacy and inclusion are crucial pillars
dalam memperkuat pemahaman masyarakat terhadap in strengthening public understanding of financial
produk jasa keuangan serta mendorong pengelolaan products and services and in encouraging more
keuangan yang lebih bijak. Sejalan dengan arahan prudent financial management. In line with government
Pemerintah, lembaga jasa keuangan termasuk directives, financial service institutions, including
perbankan memegang peran sentral dalam memperluas banks, play a central role in expanding financial access
akses keuangan melalui berbagai program strategis. through various strategic programs. Referring to POJK
Berpedoman pada POJK No. 76/POJK.07/2016 tentang No. 76/POJK.07/2016 on the Enhancement of Financial
Peningkatan Literasi dan Inklusi Keuangan di Sektor Literacy and Inclusion in the Financial Services Sector
Jasa Keuangan Bagi Konsumen dan/atau Masyarakat, for Consumers and/or the Public, the Bank defines
Bank memaknai literasi keuangan sebagai pengetahuan, financial literacy as knowledge, skills, and confidence
keterampilan, dan keyakinan yang mempengaruhi sikap that influence attitudes and behavior to improve the
dan perilaku untuk meningkatkan kualitas pengambilan quality of decision-making and financial management
keputusan dan pengelolaan keuangan dalam rangka in order to achieve welfare. Financial inclusion refers
mencapai kesejahteraan. Adapun inklusi keuangan to the availability of access to various financial
adalah ketersediaan akses pada berbagai lembaga, institutions, products, and services in accordance
produk dan layanan jasa keuangan sesuai dengan with the needs and capabilities of the community to
kebutuhan dan kemampuan masyarakat dalam rangka enhance overall welfare.
meningkatkan kesejahteraan masyarakat.
Untuk mengukur indeks literasi dan inklusi keuangan To measure the level of financial literacy and inclusion
masyarakat, Otoritas Jasa Keuangan (OJK) dan in society, the Financial Services Authority (OJK) and
Badan Pusat Statistik (BPS) melaksanakan Survei Statistics Indonesia (BPS) conducted the 2025 National
Nasional Literasi dan Inklusi Keuangan (SNLIK) 2025 Survey on Financial Literacy and Inclusion (SNLIK),
yang menunjukkan kenaikan indeks literasi keuangan which showed an increase in the financial literacy index
mencapai 66,46% dan indeks inklusi keuangan 80,51%. to 66.46% and the financial inclusion index to 80.51%.
Hasil SNLIK 2025 tersebut meningkat dibanding SNLIK These results represent an improvement compared to
2024 yang menunjukkan indeks literasi keuangan SNLIK 2024, which recorded a financial literacy index
65,43% dan indeks inklusi keuangan 75,02%. of 65.43% and a financial inclusion index of 75.02%.
Penghitungan SNLIK Tahun 2025 dilakukan The calculation of SNLIK 2025 was carried out using
menggunakan dua metode yaitu Metode Keberlanjutan two methods, namely the Sustainability Method
dan Metode Cakupan DNKI. Metode Keberlanjutan and the DNKI Coverage Method. The Sustainability
adalah perhitungan yang dilakukan dengan cakupan Method calculates the index based on coverage
sembilan sektor jasa keuangan (Perbankan, Pasar of nine financial service sectors (Banking, Capital
Modal, Perasuransian, Lembaga Pembiayaan, Dana Markets, Insurance, Financing Institutions, Pension
Pensiun, Pergadaian, Lembaga Keuangan Mikro, Fintech Funds, Pawnshops, Microfinance Institutions, Fintech
Lending (Pindar), PT Permodalan Nasional Madani) dan Lending (Pindar), PT Permodalan Nasional Madani) and
Penyelenggara Sistem Pembayaran (PSP) sebagaimana Payment System Providers (PSPs), consistent with the
cakupan pada SNLIK Tahun 2024 sehingga dapat coverage used in SNLIK 2024, and thus serves as a
digunakan sebagai alat ukur keberhasilan program benchmark for evaluating the effectiveness of OJK’s
literasi dan inklusi keuangan OJK. Adapun Metode financial literacy and inclusion programs. Meanwhile,
Cakupan DNKI (Dewan Nasional Keuangan Inklusif) the DNKI (National Council for Inclusive Finance)
adalah penghitungan yang memperluas cakupan sektor Coverage Method expands the scope of financial
keuangan dengan penambahan Badan Penyelenggara sectors by including the Social Security Administering
Jaminan Sosial (BPJS) Kesehatan, BPJS Ketenagakerjaan Agency (BPJS) for Health, BPJS for Employment, and
serta Lembaga Jasa Keuangan Lain (Koperasi Simpan other financial service institutions (Savings and Loan
Pinjam (KSP)/Penyelenggara Perdagangan Aset Kripto/ Cooperatives (KSP), Crypto Asset Trading Platforms,
PT Pos Indonesia/Lembaga Penjaminan/dan lain-lain). PT Pos Indonesia, Guarantee Institutions, and others).
166 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 167
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Metode Keberlanjutan menunjukkan indeks literasi Based on the Sustainability Method, Indonesia’s
keuangan Indonesia sebesar 66,46% dan indeks inklusi financial literacy index reached 66.46% and the
keuangan sebesar 80,51%. Sementara itu, metode financial inclusion index reached 80.51%. Meanwhile,
Cakupan DNKI menunjukkan indeks literasi keuangan the DNKI Coverage Method recorded a financial
sebesar 66,64% dan indeks inklusi keuangan sebesar literacy index of 66.64% and a financial inclusion index
92,74%. Selanjutnya, baik melalui metode Keberlanjutan of 92.74%. Furthermore, under both the Sustainability
maupun Cakupan DNKI, literasi keuangan syariah Method and the DNKI Coverage Method, Islamic
mencapai 43,42% dan inklusi keuangan syariah sebesar financial literacy reached 43.42% and Islamic financial
13,41%. inclusion reached 13.41%.
Pendataan rumah tangga sampel SNLIK Tahun 2025 Data collection for the SNLIK 2025 household sample
dilakukan mulai 22 Januari hingga 11 Februari 2025 was conducted from January 22 to February 11, 2025,
di 34 provinsi yang mencakup 120 kota/kabupaten across 34 provinces covering 120 cities/regencies,
termasuk 8 wilayah kantor OJK (1.080 blok sensus). including 8 OJK regional office areas (1,080 census
Jumlah responden SNLIK Tahun 2025 sebanyak blocks). The number of SNLIK 2025 respondents
10.800 orang yang berumur antara 15 s.d. 79 totaled 10,800 individuals aged between 15 and 79
tahun. SNLIK Tahun 2025 menggunakan parameter years. SNLIK 2025 applied financial literacy parameters
literasi keuangan yang terdiri dari pengetahuan, consisting of knowledge, skills, confidence, attitudes,
keterampilan, keyakinan, sikap dan perilaku, sementara and behavior, while the financial inclusion index was
indeks inklusi keuangan menggunakan parameter measured using usage parameters related to financial
penggunaan (usage) terhadap produk dan layanan products and services.
keuangan.
Sebagai bentuk kepatuhan dalam memenuhi kewajiban As part of compliance with the Bank’s obligations as
Bank sebagaimana terlampir dalam POJK No. 3 stipulated in POJK No. 3 of 2023 on the Enhancement
Tahun 2023 tentang Peningkatan Literasi dan Inklusi of Financial Literacy and Inclusion in the Financial
Keuangan di Sektor Jasa Keuangan Bagi Konsumen Services Sector for Consumers and the Public,
dan Masyarakat dan POJK No. 22 Tahun 2023 tentang and POJK No. 22 of 2023 on Consumer and Public
Perlindungan Konsumen dan Masyarakat di Sektor Protection in the Financial Services Sector, the Bank
Jasa Keuangan, Bank berupaya untuk menciptakan strives to create conditions in which the public has
kondisi di mana masyarakat memiliki akses yang adequate access to formal financial services that are
memadai terhadap layanan keuangan formal yang of high quality, timely, smooth, and secure at affordable
berkualitas, tepat waktu, lancar, dan aman dengan costs. This is expected to improve overall community
biaya terjangkau. Hal tersebut diharapkan dapat welfare by providing broader access to a wide range of
meningkatkan kesejahteraan masyarakat secara financial products and services that support economic
menyeluruh dengan memberikan mereka akses yang activities.
lebih besar untuk memanfaatkan berbagai produk dan
layanan keuangan yang dapat mendukung kehidupan
ekonomi masyarakat.
Sepanjang tahun 2025, Bank melakukan berbagai Throughout 2025, the Bank conducted various
kegiatan literasi dan inklusi keuangan diantaranya financial literacy and inclusion activities, including the
melalui program Literasi dan Inklusi Keuangan Sebagai Financial Literacy and Inclusion Program as Financial
Edukasi Keuangan Untuk Masa Depan pada tanggal Education for the Future on January 21, 2025 at HKBP
21 Januari 2025 di Auditorium Universitas HKBP Nommensen University Auditorium Medan; “Managing
Nommensen Medan. Literasi dan Inklusi Keuangan Finance Gen Z Style & Cashless Society” with SMK
“Atur keuangan Ala Gen Z & Cashless society” bersama Boash 1 Bogor on May 28, 2025; collaboration with the
SMK Boash 1 Bogor pada 28 Mei 2025. Kolaborasi Youth Entrepreneurship Forum (FKP) Banjarmasin & AGI
Forum Kewirausahaan Pemuda (FKP) Banjarmasin on entrepreneurship development and digitalization
& AGI dalam Pembentukan Entrepreneur serta on July 15–17, 2025 at Convention Hall HBI Banjarmasin;
Digitalisasi pada 15-17 Juli 2025 di Convention Hall and Financial Literacy and Inclusion “Smart Generation
HBI Kota Banjarmasin. Dan Literasi Inklusi Keuangan Managing Money” at SMP Islam 1 Ternate on October
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 167
Page 168
Generasi Hebat, Cerdas Mengelola Uang di SMP Islam 30, 2025. Through these activities, by year-end the
1 Kota Ternate pada tanggal 30 Oktober 2025. Dengan Bank carried out 4 literacy and 4 inclusion programs.
penyelenggaraan berbagai kegiatan tersebut, hingga The recapitulation was submitted to OJK in compliance
akhir tahun pelaporan, Bank berhasil menjalankan with Article 13 of Financial Services Authority Regulation
sebanyak 4 (Empat) kegiatan literasi dan 4 (Empat) No. 22 of 2023 on Consumer and Public Protection in
kegiatan inklusi. Rekapitulasi laporan Literasi Keuangan the Financial Services Sector.
dan Inklusi Keuangan tersebut telah disampaikan Bank
kepada OJK sebagai kepatuhan terhadap Pasal 13,
Peraturan Otoritas Jasa Keuangan Republik Indonesia
No. 22 Tahun 2023 tentang Perlindungan Konsumen
dan Masyarakat di Sektor Jasa Keuangan.
Pengaduan Masyarakat [OJK F.24] Community Complaints [OJK F.24]
Bank berkomitmen untuk memberikan kontribusi positif The Bank is committed to making positive contributions
bagi masyarakat di sekitar wilayah operasional. Dalam to communities surrounding its operational areas.
menjalankan kegiatan usaha, Bank senantiasa berupaya In conducting its business activities, the Bank
memastikan bahwa setiap langkah yang diambil tidak consistently strives to ensure that every action taken
hanya mendorong pertumbuhan ekonomi, tetapi juga not only supports economic growth but also takes into
memperhatikan dampak sosial dan lingkungan yang account potential social and environmental impacts.
mungkin timbul. Oleh karena itu, Bank menempatkan Accordingly, the Bank regards the community as an
masyarakat sebagai bagian penting dalam proses important part of its decision-making process and
pengambilan keputusan serta berupaya meminimalkan endeavors to minimize any potential adverse impacts
potensi dampak negatif yang dapat dirasakan oleh that may be experienced by the community as a result
masyarakat akibat aktivitas operasional perusahaan. of the Company’s operational activities.
Sebagai wujud kepedulian dan pemenuhan tanggung As a manifestation of its concern and fulfillment of social
jawab sosial, Bank menyediakan mekanisme pengaduan responsibility, the Bank provides an open and easily
yang terbuka dan mudah diakses bagi masyarakat untuk accessible complaint mechanism for the community
menyampaikan keluhan, pengaduan, maupun masukan to submit complaints, grievances, or feedback related
terkait aktivitas dan operasional Bank. Berbagai saluran to the Bank’s activities and operations. Various
komunikasi disediakan guna memastikan setiap communication channels are made available to ensure
aspirasi masyarakat dapat diterima, ditindaklanjuti, dan that all community feedback can be received, followed
diselesaikan secara cepat dan tepat. Pengaduan dapat up, and resolved in a timely and appropriate manner.
disampaikan melalui Kantor Cabang Bank Artha Graha Complaints may be submitted through the nearest
Internasional terdekat, Graha Call di nomor 0800-191- Bank Artha Graha Internasional Branch Office, Graha
8880, serta Graha Chat di nomor 0811-191-88880. Call at 0800-191-8880, and Graha Chat at 0811-191-
88880.
Sepanjang tahun pelaporan, Bank tidak menerima Throughout the reporting year, the Bank did not
pengaduan dari masyarakat yang berkaitan dengan receive any complaints from the community related to
dampak negatif atas keberadaan dan operasional Bank, negative impacts arising from the Bank’s presence and
yang mencerminkan keberhasilan penerapan komitmen operations. This reflects the successful implementation
Bank dalam menjaga hubungan yang harmonis dengan of the Bank’s commitment to maintaining harmonious
masyarakat serta meminimalkan dampak sosial dari relationships with the community and minimizing the
kegiatan usahanya. [GRI 413-2] social impacts of its business activities. [GRI 413-2]
168 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 169
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Kinerja Maksimal dengan Human
Capital Andal
Maximizing Performance with Reliable Human Capital
Pencapaian Bank Artha Graha Internasional membukukan The achievement of Bank Artha Graha Internasional in
kinerja optimal pada tahun 2025 merupakan kontribusi delivering optimal performance in 2025 reflects the significant
signifikan Human Capital sebagai penggerak utama contribution of Human Capital as the main driver of the
operasional Bank. Sebagai aset strategis sekaligus investasi Bank’s operations. As a strategic asset as well as a long-term
jangka panjang, Human Capital memegang peranan penting investment, Human Capital plays an important role in driving
dalam mendorong produktivitas, menghadirkan layanan yang productivity, delivering professional services, and creating
profesional, serta menciptakan solusi bernilai tambah yang value-added solutions based on the knowledge, capabilities,
bertumpu pada pengetahuan, kemampuan, dan keterampilan and skills of each employee.
setiap karyawan.
Bank menetapkan sasaran strategis yang terukur dalam The Bank has established measurable strategic objectives in
pengelolaan Human Capital demi mewujudkan organisasi Human Capital management to create an efficient, dynamic
yang efisien, dinamis, dan tangguh terhadap tantangan masa organization that is resilient to future challenges. The Bank’s
depan. Fokus utama Bank adalah menyederhanakan struktur primary focus is to streamline the organizational structure
organisasi guna mengikis birokrasi dan kompleksitas, yang to reduce bureaucracy and complexity, which will directly
secara langsung akan memacu produktivitas karyawan. enhance employee productivity. In line with strengthening
Sejalan dengan penguatan fundamental tersebut, Bank these fundamentals, the Bank selectively recruits talented
secara selektif merekrut talenta muda berbakat untuk young professionals to inject a dynamic spirit into the work
menginjeksikan semangat dinamis ke dalam budaya kerja, culture, while also ensuring sustainable and optimal business
sekaligus memastikan pertumbuhan bisnis yang berkelanjutan growth.
dan optimal.
Guna memastikan tersedianya Human Capital unggul dan To ensure the availability of superior and competitive Human
berdaya saing, Bank secara berkelanjutan menyelenggarakan Capital, the Bank continuously implements training programs
program pelatihan yang disesuaikan dengan kamus kompetensi aligned with the established competency framework.
yang telah ditetapkan. Program pelatihan tersebut dirancang These training programs are designed to ensure that each
untuk memastikan setiap karyawan memiliki kompetensi employee possesses relevant competencies to support the
yang relevan dalam mendukung operasional perusahaan Company’s operations and the achievement of business
dan pencapaian tujuan bisnis. Pelatihan difokuskan pada objectives. Training is focused on strategic areas including
sektor-sektor strategis antara lain bisnis unggulan, selling dan core business, selling and cross-selling skills, entrepreneurship,
cross selling skill, kewirausahaan, analisis kredit, audit, digital credit analysis, audit, digital banking, business banking, risk
banking, business banking, manajemen risiko, penguatan management, strengthening interpersonal soft skills, character
soft skills interpersonal, character building, kepemimpinan, building, leadership, and other relevant fields.
serta bidang lainnya.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 169
Page 170
Struktur Organisasi Human Capital
Human Capital Organizational Structure
President Director
Andy Kasih
Vice President Director
Christina Harapan
Head of Bureau
Emelia Susanto
Vice Head of Bureau
Vivi Henny
Human Capital
Marlene Gunawan
Learning &
Human Record Industrial
Payroll Development Recruitment
Data Relation
Program
Landasan Kebijakan Policy Framework
Bank mengelola Human Capital dengan merujuk The Bank manages Human Capital by referring to
berbagai regulasi yang berlaku di Indonesia di various regulations applicable in Indonesia, including
antaranya : the following:
1. ILO No. 87 Tahun 1948 tentang Kebebasan Berserikat 1. ILO Convention No. 87 of 1948 concerning Freedom
dan Perlindungan Hak Berorganisasi; of Association and Protection of the Right to
2. Undang-Undang Presiden Republik Indonesia No. 11 Organize;
Tahun 1992 tentang Dana Pensiun; 2. Law of the President of the Republic of Indonesia
3. Undang-Undang Republik Indonesia No. 19 Tahun No. 11 of 1992 concerning Pension Funds;
1999 tentang Pengesahan ILO Convention No. 3. Law of the Republic of Indonesia No. 19 of 1999
105 Concerning The Abolition of Forced Labour concerning the Ratification of ILO Convention No.
(Konvensi ILO Mengenai Penghapusan Kerja Paksa); 105 on the Abolition of Forced Labour;
4. Undang-Undang Republik Indonesia No. 20 Tahun 4. Law of the Republic of Indonesia No. 20 of 1999
1999 tentang Pengesahan ILO Convention No. concerning the Ratification of ILO Convention No.
138 Concerning Minimum Age for Admission to 138 on Minimum Age for Admission to Employment;
Employment (Konvensi ILO Mengenai Usia Minimum
untuk Diperbolehkan Bekerja);
5. Undang-Undang No. 21 Tahun 1999 tentang 5. Law No. 21 of 1999 concerning the Ratification of
Pengesahan ILO Convention No. 111 Concerning ILO Convention No. 111 on Discrimination in Respect
Discrimination in Respect of Employment and of Employment and Occupation;
Occupation (Konvensi ILO Mengenai Diskriminasi
dalam Pekerjaan dan Jabatan);
170 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
6. Undang-Undang Republik Indonesia No. 1 Tahun 6. Law of the Republic of Indonesia No. 1 of 2000
2000 tentang Pengesahan ILO Convention No. 182 concerning the Ratification of ILO Convention No.
Concerning The Prohibition And Immediate Action 182 on the Prohibition and Immediate Action for the
for The Elimination of The Worst Forms of Child Elimination of the Worst Forms of Child Labour;
Labour (Konvensi ILO No. 182 Mengenai Pelarangan
dan Tindakan Segera Penghapusan Bentuk-Bentuk
Pekerjaan Terburuk untuk Anak);
7. Undang-Undang Republik Indonesia No. 21 Tahun 7. Law of the Republic of Indonesia No. 21 of 2000
2000 tentang Serikat Pekerja/Serikat Buruh; concerning Labor Unions/Trade Unions;
8. Undang-Undang No. 13 Tahun 2003 tentang 8. Law No. 13 of 2003 concerning Manpower;
Ketenagakerjaan;
9. Undang-Undang Republik Indonesia No. 24 Tahun 9. Law of the Republic of Indonesia No. 24 of 2011
2011 tentang Badan Penyelenggara Jaminan Sosial; concerning Social Security Administering Bodies;
10. Peraturan Pemerintah Republik Indonesia No. 35 10. Government Regulation of the Republic of Indonesia
Tahun 2021 tentang Perjanjian Kerja Waktu Tertentu, No. 35 of 2021 concerning Fixed-Term Employment
Alih Daya, Waktu Kerja dan Waktu Istirahat, dan Agreements, Outsourcing, Working Time and Rest
Pemutusan Hubungan Kerja; Periods, and Termination of Employment;
11. Peraturan Pemerintah Republik Indonesia No. 36 11. Government Regulation of the Republic of Indonesia
Tahun 2021 tentang Pengupahan; No. 36 of 2021 concerning Wages;
12. Surat Edaran Menteri Ketenagakerjaan No. 12. Circular Letter of the Minister of Manpower No.
B-M/383/HI.01.00/XI/2021 tentang Penyampaian B-M/383/HI.01.00/XI/2021 concerning Submission
Data Perekonomian dan Ketenagakerjaan dalam of Economic and Employment Data in Determining
Penetapan Upah Minimum Tahun 2022; the 2022 Minimum Wage;
13. Undang-Undang Nomor 6 Tahun 2023 tentang 13. Law No. 6 of 2023 concerning the Stipulation of
Penetapan Peraturan Pemerintah Pengganti Government Regulation in Lieu of Law No. 2 of 2022
Undang-Undang Nomor 2 Tahun 2022 tentang on Job Creation into Law.
Cipta Kerja menjadi Undang-Undang.
Sebagai bagian dari kepatuhan terhadap regulasi As part of its compliance with labor regulations in
ketenagakerjaan di Indonesia, Bank menyusun dan Indonesia, the Bank formulates and implements
menerapkan berbagai peraturan internal dalam various internal policies in managing Human Capital in
pengelolaan Human Capital secara sistematis dan a systematic and sustainable manner. These internal
berkelanjutan. Ketentuan internal tersebut mencakup provisions cover aspects of selection and recruitment,
aspek seleksi dan rekrutmen, manajemen karir, career management, remuneration, social security,
remunerasi, jaminan sosial, program pensiun, dan pension programs, and other related requirements.
ketentuan terkait lainnya. Implementasi kebijakan The implementation of these policies reflects the
ini mencerminkan komitmen Bank dalam mematuhi Bank’s commitment to complying with prevailing laws
peraturan perundang-undangan sekaligus membangun and regulations while fostering harmonious industrial
hubungan industrial yang harmonis. Melalui pengelolaan relations. Through sound Human Capital management,
Human Capital yang baik, Bank dapat meningkatkan the Bank is able to enhance productivity, employee
produktivitas, kesejahteraan karyawan, serta menjaga welfare, and long-term business sustainability. [GRI 3-3]
keberlanjutan usaha dalam jangka panjang. [GRI 3-3]
Menghormati Hak Asasi Manusia dan Respecting Human Rights and Upholding
Menjunjung Tinggi Kesetaraan Equality
Sebagai institusi keuangan yang menjunjung prinsip As a financial institution that upholds the principles
keberlanjutan, Bank menempatkan penghormatan of sustainability, the Bank places respect for Human
terhadap Hak Asasi Manusia (HAM) sebagai landasan Rights as a fundamental foundation in all business
fundamental dalam seluruh kegiatan usaha, termasuk activities, including Human Capital management. The
dalam pengelolaan Human Capital. Bank meyakini Bank believes that Human Rights are universal rights
bahwa HAM merupakan hak yang melekat secara inherently attached to every individual. Accordingly, all
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 171
Page 172
universal pada setiap individu. Oleh karena itu, seluruh Bank policies and operational activities are formulated
kebijakan dan aktivitas operasional Bank disusun based on human rights principles, which include the
berdasarkan prinsip-prinsip HAM, yang meliputi hak right to life, freedom of expression, the right to work,
untuk hidup, kebebasan berekspresi, hak untuk bekerja, the right to social security, equality before the law, and
hak atas jaminan sosial, serta persamaan di hadapan other fundamental rights. [GRI 3-3]
hukum, dan hak-hak dasar lainnya. [GRI 3-3]
Penghormatan terhadap HAM diwujudkan sebagai Respect for Human Rights is embodied as part of the
bagian dari nilai fundamental yang diterapkan dalam fundamental values applied in the Bank’s operations
operasional Bank melalui berbagai kebijakan dan through various policies and strategic initiatives. The
inisiatif strategis. Bank secara tegas menolak segala Bank firmly rejects all forms of labor exploitation,
bentuk eksploitasi tenaga kerja, termasuk tidak including the employment of underage children,
mempekerjakan anak di bawah umur, menentang opposes forced labor and modern slavery practices,
praktik kerja paksa dan perbudakan modern, serta and upholds decent labor standards. In addition, the
menjunjung standar ketenagakerjaan yang layak. Selain Bank ensures fair and equal treatment for all individuals
itu, Bank memastikan perlakuan yang adil dan setara without discrimination based on ethnicity, religion,
bagi seluruh individu tanpa membedakan suku, agama, race, gender, or disability status. The Bank also actively
ras, gender, maupun kondisi disabilitas. Bank juga secara rejects all forms of discrimination, sexual harassment,
aktif menolak segala bentuk diskriminasi, pelecehan and intimidation in the workplace, whether verbal,
seksual, dan intimidasi di lingkungan kerja, baik secara physical, or digital. Through these efforts, the Bank is
verbal, fisik, maupun digital. Melalui upaya tersebut, committed to being an institution that is responsive
Bank berkomitmen menjadi institusi yang responsif to human rights issues, strengthens diversity, and
terhadap isu HAM, memperkuat keberagaman, serta provides equal opportunities for all employees in
memberikan kesempatan yang adil bagi seluruh accordance with the principles of good corporate
karyawan sesuai prinsip tata kelola perusahaan yang governance and prevailing laws and regulations. [OJK
baik dan ketentuan perundang-undangan yang berlaku. F.18, F.19] [IDX S-08, S-09, S-10]
[OJK F.18, F.19] [IDX S-08, S-09, S-10]
Dalam menciptakan lingkungan kerja yang inklusif, In creating an inclusive work environment, the Bank
Bank menerapkan prinsip kesetaraan melalui berbagai applies the principle of equality through various policies
kebijakan yang menjamin kesempatan yang sama that ensure equal opportunities for all employees. Every
bagi seluruh karyawan. Setiap individu diberikan individual is given equal opportunities to develop their
peluang yang setara untuk mengembangkan potensi potential and contribute to the Company’s progress,
dan berkontribusi terhadap kemajuan perusahaan, regardless of gender, background, or social status.
tanpa memandang gender, latar belakang, maupun The implementation of this principle is reflected in the
status sosial. Penerapan prinsip ini tercermin dari representation of women in strategic positions, such
keterwakilan perempuan pada posisi strategis, seperti as Director, Associate Director, and Deputy Director.
Direktur, Associate Director, dan Deputy Director. By promoting equality and enhancing women’s roles in
Dengan mendorong kesetaraan dan peningkatan leadership, the Bank builds a more resilient, innovative,
peran perempuan dalam kepemimpinan, Bank and sustainable organization. [GRI 405-1]
membangun organisasi yang lebih tangguh, inovatif,
dan berkelanjutan. [GRI 405-1]
Implementasi prinsip penghormatan HAM dan The consistent implementation of human rights and
kesetaraan yang konsisten telah memberikan hasil equality principles has delivered positive outcomes
yang positif bagi Bank. Sepanjang tahun 2025, for the Bank. Throughout 2025, there were no
tidak terdapat insiden maupun pelanggaran terkait incidents or violations related to discrimination, child
diskriminasi, pekerja anak, praktik kerja paksa, atau labor, forced labor practices, or other forms of human
bentuk pelanggaran HAM lainnya di seluruh wilayah rights violations across all of the Bank’s operational
operasional Bank. Dengan demikian, tidak diperlukan areas. Accordingly, no specific corrective actions were
tindakan perbaikan khusus terkait isu-isu tersebut required in relation to these issues during the reporting
pada tahun pelaporan. [IDX S-07] year. [IDX S-07]
172 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Rekrutmen dan Turnover Karyawan Employee Recruitment and Turnover
Untuk menjaga kesinambungan ketersediaan sumber To maintain the continuity of human resource
daya manusia, Bank secara berkala melaksanakan availability, the Bank periodically conducts recruitment
proses rekrutmen yang disesuaikan dengan kebutuhan processes aligned with organizational competency
kompetensi dan kapasitas organisasi. Rekrutmen needs and capacity. Recruitment is not only intended
tidak hanya ditujukan untuk mengisi posisi yang to fill vacant positions, but also to prepare professional
tersedia, tetapi juga untuk menyiapkan Human Capital and competent Human Capital to support long-term
yang profesional dan kompeten guna mendukung business sustainability. All recruitment processes
keberlanjutan usaha jangka panjang. Seluruh proses are carried out in a transparent, objective, and
rekrutmen dilaksanakan secara transparan, objektif, competency-based manner. In addition, the Bank
dan berbasis kompetensi. Di samping itu, Bank strives to enhance employee satisfaction and
berupaya meningkatkan kepuasan serta loyalitas loyalty through remuneration policies, training and
karyawan melalui kebijakan remunerasi, pelatihan dan development programs, career management, and the
pengembangan, pengelolaan karir, serta penyediaan provision of fair and inclusive supporting facilities.
fasilitas penunjang yang adil dan inklusif. Melalui Through this approach, the Bank is able to retain its
pendekatan ini, Bank mampu mempertahankan talenta best talent while also attracting high-quality new
terbaik sekaligus menarik sumber daya manusia baru human resources. [GRI 3-3]
yang berkualitas. [GRI 3-3]
Per 31 Desember 2025, Bank merekrut karyawan As at December 31, 2025, the Bank recruited a total of
sebanyak 161 orang dengan perincian sebagai berikut: 161 employees, with details as follows: [GRI 401-1]
[GRI 401-1]
Tabel Rekrutmen Karyawan Berdasarkan Wilayah Kerja dan Jenis Kelamin
Employee Recruitment by Work Location and Gender
Tahun
Year
Keterangan
Description 2025 2024 2023
L P L P L P
Kantor Pusat
71 46 82 37 69 21
Head Office
Kantor Cabang
23 23 39 56 54 106
Branch Offices
Tabel Rekrutmen Karyawan Berdasarkan Wilayah Kerja dan Rentang Usia
Employee Recruitment by Work Area and Age Range
Tahun
Year
Keterangan
Description 2025 2024 2023
<30 30-50 >50 <30 30-50 >50 <30 30-50 >50
Kantor Pusat
84 25 8 73 40 6 59 27 4
Head Office
Kantor Cabang
26 18 2 83 12 - 156 4 -
Branch Offices
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Dinamika jumlah karyawan di Bank terjadi seiring Changes in the Bank’s workforce occur in line
dengan aktivitas rekrutmen dan berakhirnya hubungan with recruitment activities and the termination of
kerja. Hingga 31 Desember 2025, jumlah karyawan employment. As at December 31, 2025, the number of
yang meninggalkan Bank tercatat sebanyak 405 orang employees who left the Bank amounted to 405 people,
dengan rincian sebagai berikut: with the following details:
Tabel Karyawan yang Meninggalkan Bank Berdasarkan Rentang Usia
Employees Leaving the Bank by Age Group
Usia 2025 2024 2023
Age
≤30 tahun
191 154 102
≤30 years old
31- 50 tahun
182 157 102
31- 50 years old
≥51 tahun
32 87 72
≥51 years old
Jumlah
405 398 276
Total
Tabel Karyawan yang Meninggalkan Bank Berdasarkan Jenis Kelamin
Employees Leaving the Bank by Gender
Jenis Kelamin 2025 2024 2023
Gender
Laki-laki
195 223 142
Male
Perempuan
210 175 134
Female
Jumlah
405 398 276
Total
Tabel Karyawan yang Meninggalkan Bank Berdasarkan Wilayah
Employees Leaving the Bank by Work Area
Wilayah Kerja 2025 2024 2023
Work Area
Kantor Pusat
181 129 97
Head Office
Kantor Cabang
224 269 179
Branch Offices
Jumlah
405 398 276
Total
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Merujuk data karyawan yang masuk melalui rekrutmen Based on data on employees recruited and those who
dan keluar/meninggalkan Bank, maka tingkat turnover left the Bank, the turnover rate can be calculated as
bisa dihitung dengan hasil sebagai berikut: follows:
Tabel Turnover Karyawan
Employee Turnover
Keterangan 2025 2024 2023
Description
Jumlah pegawai baru
163 214 252**
Number of new employees
Jumlah pegawai meninggalkan Bank*)
405 398 276
Number of employees leaving the Bank*)
Jumlah pegawai awal tahun
1.279 1.463 1.487
Number of employees at the beginning of the year
Jumlah pegawai akhir tahun
1.037 1.279 1.463
Number of employees at the end of the year
Tingkat Turnover
20,90 13,42 1,63
Turnover Rate
*) Keputusan karyawan untuk meninggalkan Bank secara sukarela (mengundurkan diri dan pensiun dini)
**) Termasuk karyawan yang sudah pensiun dan dikontrak lagi
*) Employees’ decision to leave the Bank voluntarily (resignation and early retirement)
**) Including employees who have retired and were rehired on a contract basis
Tingkat Pergantian Pegawai [IDX S-03]
Employee Turnover Rate
Keterangan 2025 2024
Description
Jumlah Pegawai yang Resign/ 405 orang 20,90% 398 orang 13,42%
Pemutusan Hubungan Kerja 405 people (turnover rate) 398 people (turnover rate)
Number of Employees Who
Resigned/Terminated Employment
Jumlah Pegawai Baru/Pengganti 163 orang 15,72% (dari total 214 orang 14,63%
Number of New/Replacement 163 people pegawai) 214 people (dari total pegawai)
Employees 15.72% (of total 14,63%
employees) (of total
employees)
Guna mengendalikan tingkat turnover, khususnya To manage turnover levels, particularly among
pada kelompok usia produktif, Bank menerapkan employees in the productive age group, the Bank
berbagai langkah strategis sebagai bagian dari implements various strategic measures as part of its
pengelolaan Human Capital yang berkelanjutan. sustainable Human Capital management. Employee
Kebijakan dan program retensi karyawan dijalankan retention policies and programs are carried out through
melalui perencanaan rekrutmen berbasis kebutuhan, needs-based recruitment planning, competency
pengembangan kompetensi, serta sistem apresiasi development, and an appreciation system linked to
yang dikaitkan dengan kinerja. Dengan pendekatan performance. Through a planned and welfare-oriented
yang terencana dan berorientasi pada kesejahteraan, approach, the Bank is not only able to retain high-
Bank tidak hanya mampu mempertahankan karyawan performing employees, but also to create a positive,
unggulan, tetapi juga menciptakan lingkungan kerja productive, and sustainable work environment. [GRI 3-3]
yang positif, produktif, dan berkelanjutan. [GRI 3-3]
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Keanekaragaman Karyawan Employee Diversity
Bank menjunjung tinggi prinsip kesetaraan dan The Bank upholds the principles of equality and
keberagaman sebagai fondasi utama dalam diversity as a fundamental foundation in creating an
menciptakan lingkungan kerja yang inklusif serta bebas inclusive and non-discriminatory working environment.
diskriminasi. Bank meyakini bahwa keberagaman The Bank believes that diversity serves as a catalyst
adalah katalisator inovasi dan pertumbuhan budaya for innovation and the sustainable growth of a positive
kerja yang berkelanjutan. Kebijakan nondiskriminasi workplace culture. This non-discrimination policy is
ini diimplementasikan secara konsisten di seluruh implemented consistently across all aspects of human
aspek pengelolaan sumber daya manusia, mulai dari capital management, from recruitment and career
rekrutmen dan pengembangan karir hingga sistem development to the remuneration system. By ensuring
remunerasi. Dengan menjamin peluang yang setara, equal opportunities, every individual is given the space
setiap individu memiliki ruang untuk berkembang to grow and contribute their best. Detailed information
dan memberikan kontribusi terbaiknya. Rincian on employee diversity based on employment status,
keanekaragaman karyawan berdasarkan status, jenis gender, age, education level, work location, and other
kelamin, usia, pendidikan, wilayah kerja dan sebagainya, aspects is presented in the Profile chapter of this
disampaikan pada Bab Profil laporan ini. Adapun report. A summary of the diversity of employees, the
rekapitulasi keberagaman karyawan, Dewan Komisaris, Board of Commissioners, and the Board of Directors is
dan Direksi, disajikan dalam tabel berikut: [GRI 405-1] presented in the following table: [GRI 405-1]
Tabel Keberagaman Karyawan dan Tata Kelola Tertinggi
Diversity of Highest Governance Bodies and Employees
Keterangan Satuan 2025 2024 2023
Description Unit
Semua karyawan (kecuali Direksi dan Dewan Komisaris)
All employees (excluding Board of Directors and Board of Commissioners)
Laki-Laki Orang
535 635 738
Male People
Perempuan Orang
502 644 725
Female People
Persentase Perempuan
% 48,41 50,35 49,56
Female Percentage
Direksi dan Dewan Komisaris
Board of Directors and Board of Commissioners
Laki-Laki Orang
6 7 7
Male People
Perempuan Orang
5 3 3
Female People
Persentase Perempuan
% 45,45 30,00 30,00
Female Percentage
Remunerasi dan Tunjangan Remuneration and Benefits
Dalam mendukung kesejahteraan karyawan, Bank In supporting employee welfare, the Bank implements
menerapkan kebijakan remunerasi yang adil, kompetitif, a fair, competitive remuneration policy that complies
dan sesuai dengan ketentuan yang berlaku. Sistem with applicable regulations. A structured, performance-
remunerasi yang terstruktur dan berbasis kinerja based remuneration system is designed not only to
tidak hanya bertujuan meningkatkan motivasi dan enhance employee motivation and productivity, but
produktivitas karyawan, tetapi juga menjadi faktor daya also to serve as an attractive factor for potential talent
tarik bagi talenta potensial untuk bergabung dengan to join the Bank. [GRI 3-3]
Bank. [GRI 3-3]
176 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 177
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Bank memastikan penerapan sistem remunerasi yang The Bank ensures the implementation of a transparent
transparan dan setara bagi seluruh karyawan tanpa and equitable remuneration system for all employees
diskriminasi. Sebagai bentuk komitmen terhadap without discrimination. As a manifestation of its
kesetaraan gender, Bank menerapkan rasio gaji pokok commitment to gender equality, the Bank applies
dan remunerasi yang sama antara karyawan perempuan equal basic salary and remuneration ratios for female
dan laki-laki untuk posisi serta tanggung jawab yang and male employees holding equivalent positions
setara. Penetapan gaji dan tunjangan dilakukan secara and responsibilities. The determination of salaries
objektif berdasarkan kompetensi, tanggung jawab, dan and benefits is carried out objectively based on
kinerja. [GRI 405-2] competence, responsibilities, and performance. [GRI
405-2]
Untuk memenuhi standar kesejahteraan dan kepatuhan To meet welfare standards and ensure compliance with
terhadap regulasi ketenagakerjaan, Bank menetapkan labor regulations, the Bank establishes remuneration
kebijakan remunerasi yang mengacu pada ketentuan policies that refer to national provisions, including the
nasional, termasuk dalam penetapan upah karyawan determination of wages for permanent employees
tetap tingkat terendah. Selain berpedoman pada at the lowest level. In addition to adhering to general
regulasi umum, Bank mengacu pada Peraturan Menteri regulations, the Bank refers to Minister of Manpower
Ketenagakerjaan Nomor 18 Tahun 2022 dan Peraturan Regulation Number 18 of 2022 and Minister of
Menteri Ketenagakerjaan Nomor 16 Tahun 2024 tentang Manpower Regulation Number 16 of 2024 concerning
Penetapan Upah Minimum Tahun 2025. Perbandingan the Determination of the Minimum Wage for the 2025
remunerasi karyawan tetap level terendah dengan period. A comparison between the remuneration of
Upah Minimum Provinsi (UMP) selengkapnya adalah permanent employees at the lowest level and the
sebagai berikut. [OJK F.20] Provincial Minimum Wage (UMP) is presented as
follows. [OJK F.20]
Tabel Upah Karyawan Tetap Tingkat Terendah Dibanding Upah Minimum Provinsi Tahun 2025
Table of Lowest-Level Permanent Employee Wages Compared to the Provincial Minimum Wage in 2025
Upah Pegawai Tetap
Daerah Entry Level Rasio (%)
No UMP
Region Entry Level Permanent Ratio (%)
Employee Wages
1 Ambon 3.741.082 3.185.733 117,43
2 Balikpapan 4.442.400 3.701.509 120,02
3 Bandung 4.784.426 4.482.915 106,73
4 Banjarmasin 4.181.119 3.609.682 115,83
5 Batam 5.750.000 4.989.600 115,24
6 Bogor 5.564.000 5.126.897 108,53
7 Subang TUTUP
8 Cikarang 5.893.000 5.558.515 106,02
9 Cipanas 5.564.000 5.126.897 108,53
10 Cirebon 2.939.000 2.697.686 108,95
11 Denpasar 4.493.120 3.298.165 136,23
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Tabel Upah Karyawan Tetap Tingkat Terendah Dibanding Upah Minimum Provinsi Tahun 2025
Table of Lowest-Level Permanent Employee Wages Compared to the Provincial Minimum Wage in 2025
Upah Pegawai Tetap
Daerah Entry Level Rasio (%)
No UMP
Region Entry Level Permanent Ratio (%)
Employee Wages
12 Depok 6.093.780 5.195.722 117,28
13 DKI Jakarta 5.532.000 5.532.000 100,00
14 Jambi 3.608.000 3.607.223 100,02
15 Karawang 6.160.000 5.599.593 110,01
16 Kendari 4.066.480 3.314.399 122,69
17 Kupang 2.397.000 2.396.696 100,01
18 Kuta 4.242.000 3.534.339 120,02
19 Lampung 3.967.200 3.305.367 120,02
20 Makassar 4.463.150 3.880.137 115,03
21 Manado 4.055.000 3.824.264 106,03
22 Medan 4.015.000 4.014.072 100,02
23 Palembang 4.792.400 3.916.636 122,36
24 Pangkal Pinang 4.725.400 3.876.600 121,90
25 Pekanbaru 4.227.400 3.675.938 115,00
26 Pontianak 4.086.372 3.024.820 135,09
27 Samarinda 4.361.672 3.724.437 117,11
28 Semarang 4.002.212 3.454.827 115,84
29 Surabaya 5.033.000 5.033.000 100,00
30 Surakarta (Solo) 3.320.000 2.416.560 137,39
31 Tangerang Selatan 5.942.050 4.974.392 119,45
32 Ternate 4.642.011 3.461.250 134,11
Sesuai tabel atas, seluruh upah karyawan tetap level As shown in the table above, the wages of all lowest-
terendah di Bank berada di atas UMP yang ditetapkan level permanent employees at the Bank are above
oleh pemerintah daerah masing-masing. Bank juga the Provincial Minimum Wage set by the respective
memastikan penerapan kebijakan remunerasi yang adil regional governments. The Bank also ensures the
dan setara antara karyawan laki-laki dan perempuan. implementation of fair and equitable remuneration
Dengan demikian, rasio gaji pokok dan remunerasi yang policies between male and female employees.
diterima karyawan adalah sama; jika terjadi perbedaan, Accordingly, the ratios of basic salary and remuneration
hal itu lebih karena faktor kompetensi, tanggung received by employees are the same; any differences
jawab, dan kinerja masing-masing karyawan. Selain that may occur are attributable to individual
remunerasi, Bank memberikan berbagai tunjangan factors such as competence, responsibilities, and
berdasarkan status karyawan sebagaimana tabel performance. In addition to remuneration, the Bank
berikut. [GRI 401-2] provides various benefits based on employee status,
as presented in the following table. [GRI 401-2]
178 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Tabel Tunjangan Karyawan Berdasarkan Status Tahun 2025
Table of Employee Benefits by Status in 2025
Komponen Pegawai Tetap Pegawai Kontrak
Component Permanent employee Contract employee
Gaji Pokok
√ √
Basic Salary
THR
√ √
Holiday Allowance
Tunjangan Pajak
√ √
Tax Allowance
Tunjangan Jabatan
√ √
Position Allowance
Lembur & Uang Makan Lembur
√ √
Overtime & Overtime Meals
Tunjangan Cuti Istimewa
√ -
Special Leave Allowance
Bantuan Nikah
√ -
Marriage Assistance
Bantuan Duka
√ -
Grief Assistance
BPJS Tenaga Kerja, Jaminan Pensiun, dan BPJS Kesehatan
√ √
BPJS Employment, Pension Insurance, and BPJS Health
Tunjangan Kesehatan
√ √
Health Allowance
Pesangon, Penghargaan Masa Kerja
√ -
Severance, Long Service Award
Bank membedakan sistem remunerasi berdasarkan The Bank differentiates its remuneration system based
status kepegawaian untuk menyesuaikan hak, kewajiban, on employment status in order to align employees’
dan ketentuan peraturan yang berlaku. Kendati terdapat rights, obligations, and applicable regulatory provisions.
perbedaan dalam komponen remunerasi dan fasilitas, Despite differences in remuneration components and
Bank tetap menjamin pemenuhan hak-hak karyawan facilities, the Bank remains committed to ensuring
kontrak sesuai standar, baik dari aspek pengupahan, the fulfillment of the rights of contract employees
jaminan sosial, maupun fasilitas pendukung lainnya. in accordance with established standards, including
wages, social security coverage, and other supporting
benefits.
Program kesejahteraan karyawan Bank Artha Graha The employee welfare programs of Bank Artha Graha
Internasional meliputi: Internasional include:
1. The Employee Hospitalization Insurance Program
1. Program Asuransi Rawat Inap Karyawan terdiri atas: consists of:
a. Asuransi Artha Graha General Insurance; dan a. Artha Graha General Insurance; and
b. Asuransi Mandiri AXA General Insurance. b. Mandiri AXA General Insurance.
2. Program BPJS Ketenagakerjaan mencakup 4 2. The BPJS Employment Program covers 4 programs:
Program:
a. JKK : Jaminan Kecelakaan Kerja; a. JKK : Work Accident Insurance;
b. JKM : Jaminan Kematian; b. JKM : Death Benefit Insurance;
c. JHT : Jaminan Hari Tua; dan c. JHT : Old-Age Security; and
d. JP : Jaminan Pensiun. d. JP : Pension Security.
3. Program BPJS Kesehatan. 3. BPJS Health Program.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Cuti Parental Maternity Leave
Bank menjamin pemenuhan hak cuti parental bagi The Bank ensures the fulfillment of maternity leave
karyawan perempuan maupun laki-laki. Kebijakan ini entitlements for both female and male employees. This
diatur secara resmi dalam Surat Edaran No. SESDM policy is formally regulated under Circular Letter No.
010.04.1 tentang Ketentuan Cuti Karyawan. Bank SESDM 010.04.1 concerning Employee Leave Provisions.
memberikan cuti melahirkan bagi karyawan tetap The Bank grants maternity leave to permanent female
perempuan selama 1,5 bulan sebelum dan 1,5 bulan employees for 1.5 months prior to and 1.5 months after
setelah persalinan atau tiga bulan masa persalinan, childbirth, or a total of three months for the childbirth
serta fasilitas cuti keguguran selama 45 hari sejak period, as well as miscarriage leave for 45 days from
terjadinya keguguran. Sementara itu, karyawan laki-laki the date of miscarriage. Meanwhile, male employees
diberikan cuti pendampingan istri melahirkan selama are granted two working days of paternity leave to
dua hari kerja. accompany their wives during childbirth.
Sepanjang tahun 2025, karyawan perempuan yang Throughout 2025, the number of female employees
memiliki hak cuti melahirkan sebanyak 17 orang, dan entitled to maternity leave amounted to 17 persons, of
sebanyak 17 orang atau 100% mengambil hak tersebut whom 17 persons or 100% exercised this right. After
Setelah waktu berakhir, sebanyak 17 orang atau 100% the leave period ended, 17 persons or 100% returned
telah kembali bekerja. Sementara itu, dari data tahun to work. Meanwhile, based on 2024 data, of the 27
2024, dari 27 karyawan wanita yang mengambil cuti female employees who took maternity leave, returned
melahirkan, kembali bekerja, dan tetap bekerja hingga to work, and remained employed for the subsequent 12
12 bulan berikutnya tercatat sebanyak 23 orang atau months, 23 persons or 85,18% were recorded.
85.18%.
Adapun karyawan laki-laki yang memiliki hak mengambil In addition, the number of male employees entitled
cuti karena istrinya melahirkan pada tahun 2025 to maternity leave due to their wives giving birth in
tercatat sebanyak 18 orang, dan sebanyak 18 orang 2025 was recorded at 18 persons, of whom 18 persons
atau 100% mengambil hak tersebut. Setelah masa cuti or 100% exercised this right. After the maternity
untuk mendampingi istrinya melahirkan habis, karyawan leave period ended, male employees who returned
laki-laki yang kembali bekerja tercatat sebanyak 18 to work totaled 18 persons or 100%. Furthermore,
orang atau 100%. Lebih lanjut, berdasarkan data tahun based on 2024 data, of the 30 male employees who
2024, dari 30 karyawan laki-laki yang mengambil cuti took maternity leave, returned to work, and remained
melahirkan, kembali bekerja, dan tetap bekerja hingga employed for the subsequent 12 months, 27 persons or
12 bulan berikutnya terbilang sebanyak 27 orang atau 90% were recorded. [GRI 401-3]
90%. [GRI 401-3]
Pelatihan dan Pengembangan Kompetensi Employee Training and Competency
Karyawan Development
Pengembangan kapasitas karyawan merupakan faktor Employee capacity development is a key factor
kunci dalam mendorong pertumbuhan berkelanjutan in driving sustainable growth and improving the
dan peningkatan kinerja perusahaan. Bank secara Company’s performance. The Bank consistently
konsisten mengembangkan potensi Human Capital develops its Human Capital potential through various
melalui berbagai program pendidikan, pelatihan, dan education, training, and workshop programs carried
workshop yang dilaksanakan secara berkesinambungan, out on an ongoing basis, both through in-house training
baik melalui in-house training maupun kerja sama and in collaboration with competent external parties.
dengan pihak eksternal yang kompeten. [GRI 3-3] [GRI 3-3]
1. Program Kerja Rutin 1. Routine Work Programs
Bank menjadikan pengembangan Human Capital The Bank places Human Capital development as
sebagai prioritas dengan fokus pada peningkatan a priority, with a focus on enhancing employee
kompetensi karyawan, sekaligus memastikan seluruh competencies while ensuring that all employees
karyawan memiliki keterampilan dan pengetahuan possess skills and knowledge relevant to the Bank’s
180 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
yang relevan dengan kebutuhan perusahaan. Untuk needs. To support the implementation of these
mendukung pelaksanaan program tersebut, Deputy programs, the Deputy Director of Human Capital
Director Human Capital menyusun panduan kerja prepares the following work guidelines:
sebagai berikut:
• Memberikan pendidikan dan pelatihan untuk memenuhi kompetensi kerja karyawan; dan
Sasaran Kerja • Meningkatkan kompetensi kader Bank Artha Graha Internasional.
Work Objectives
• To provide education and training to fulfill employees’ job competency requirements; and
• To enhance the competencies of Bank Artha Graha Internasional’s talent pool.
• Merencanakan dan menyelenggarakan pelatihan yang wajib untuk memenuhi kompetensi kerja
karyawan; dan
Program Kerja • Memberikan kesempatan pelatihan mayoritas pada kader Bank Artha Graha Internasional.
Work Programs
• To plan and conduct mandatory training programs to fulfill employees’ job competency
requirements; and
• To provide the majority of training opportunities to Bank Artha Graha Internasional’s talent pool.
• Melaksanakan Pelatihan Dasar Perbankan bagi para AO baru
• Melaksanakan Refreshment materi pelatihan terkait layanan dan produk baru, digital product,
pengelolaan dan monitoring kredit.
• Melaksanakan pelatihan-pelatihan kepada para Kader BAGI terkait materi Credit Analysis & Loan
Monitoring, Leadership, Motivasi dan Pengembangan Manusia, .
• Beyond the Approval Credit Support & Monitoring, Negotiation Skill
• Sertifikasi Manajemen Risiko Jenjang 7, sesuai dengan kompetensi yang dibutuhkan oleh para
pejabat BAGI;
• Program Refreshment Sertifikasi Manajemen Risiko untuk memenuhi kewajiban memperpanjang
sertifikat manajemen risiko yang telah dan akan jatuh tempo;
• Pembekalan Sertifikasi Audit Internal Bank untuk para Auditor Satuan Kerja Audit Intern; dan
• Pelatihan Berbasis Kompetensi (PBK) Sertifikasi Kompetensi Sistem Pembayaran bagi para CS,
Teller, Head Teller dan Kepala Kantor Layanan sebagai Pelaku serta Penyelia Sistem Pembayaran,
Penerapan serta Sertifikasi Kompetensi Sistem Pembayaran (SKSP) untuk Jenjang Pejabat Eksekutif.
Implementation
• Conducted Basic Banking Training for newly appointed AOs;
• Conducted refreshment training sessions on service materials and new products, digital
products, as well as credit management and monitoring;
• Conducted training programs for BAGI Cadres covering Credit Analysis & Loan Monitoring,
Leadership, Motivation, and Human Development;
• Conducted training on Beyond the Approval: Credit Support & Monitoring and Negotiation Skills;
• Risk Management Certification Level 7, in accordance with the competencies required for BAGI
officials;
• Risk Management Certification Refreshment Program to fulfill the requirement for extending risk
management certificates that have expired or are approaching expiry;
• Bank Internal Auditor Certification briefing for Internal Audit Unit auditors; and
• Competency-Based Training (CBT) for Payment System Competency Certification for Customer
Service staff, Tellers, Head Tellers, and Branch Service Heads as Payment System Operators and
Supervisors, as well as Payment System Competency Certification (SKSP) for Executive Officer
level.
2. Program Kerja Non Rutin 2. Non-Routine Work Programs
Bank menetapkan sasaran kerja program kerja non The Bank establishes the following objectives for
rutin di antaranya: its non-routine work programs, among others:
a. Mendapatkan dan mempertahankan talenta a. To attract and retain the best talent; and
terbaik; dan
b. Peningkatan kenyamanan bekerja dan rasa b. To enhance workplace comfort and a sense of
memiliki (engagement). ownership (employee engagement).
3. Training 3. Training
Bank melaksanakan program pendidikan dan The Bank implements tiered education and training
pelatihan berjenjang untuk meningkatkan programs to enhance technical competencies
kompetensi teknis (technical skills) dan (technical skills) and interpersonal capabilities
keterampilan interpersonal (soft skills), baik melalui (soft skills), conducted through both in-house
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 182
in-house training maupun public training. Melalui training and public training. Through these training
penyelenggaraan training, Bank memastikan initiatives, the Bank ensures that every employee
setiap karyawan memiliki standar keunggulan yang meets competitive standards of excellence.
kompetitif.
Pelatihan dilakukan melalui pola penjenjangan Training is conducted through the following tiered
sebagai berikut: structure:
a. Program Pendidikan Mandatory: a. Mandatory Education Program:
• Orientasi bagi Karyawan/Pejabat Baru. • Orientation for New Employees/Officers.
b. Program Kaderisasi: b. Cadre Development Program:
• Leadership; • Leadership;
• Motivational & People Development; dan • Motivational & People Development; and
• Credit Analysis & Loan Monitoring. • Credit Analysis & Loan Monitoring.
c. Program Sertifikasi: c. Certification Program:
• Sertifikasi & Resertifikasi Manajemen Risiko; • Risk Management Certification &
Recertification;
• Sertifikasi Kompetensi Sistem Pembayaran • Payment System Competency Certification
(SKSP); (SKSP);
• Sertifikasi Treasury Dealer; • Treasury Dealer Certification;
• Sertifikasi Kepatuhan; • Compliance Certification;
• Sertifikasi Auditor; dan • Auditor Certification; and
• Sertifikasi Lainnya: Penilaian Jaminan. • Other Certifications: Collateral Appraisal.
d. Pelatihan Technical Skill: d. Technical Skills Training:
• Credit Analysis & Loan Monitoring; • Credit Analysis & Loan Monitoring;
• Beyond the Approval Credit Support & • Beyond the Approval Credit Support &
Monitoring ; dan Monitoring; and
• Strengthening Compliance, APU-PPT & • Strengthening Compliance, AML-CFT &
Financial Crime Control. Financial Crime Control.
e. Pelatihan Managerial Skill; e. Managerial Skills Training;
f. Pelatihan Soft Skill; dan f. Soft Skills Training; and
g. Program Sosialisasi/Sharing Knowledge. g. Socialization Programs/Knowledge Sharing
Sessions.
Per 31 Desember 2025, jumlah karyawan yang mengikuti As of December 31, 2025, the number of employees
pendidikan dan pelatihan adalah sebagai berikut: [OJK who participated in education and training programs
F.22] was as follows: [OJK F.22]
Jenis Penyelenggaraan Pendidikan dan Pelatihan
Types of Education and Training Implementation
Uraian 2025 2024 2023
Description
Internal
13.173 11.631 16.056
Internal
Eksternal dalam Negeri
144 197 205
Domestic External
Jumlah
13.317 11.828 16.261
Total
Materi pendidikan dan pelatihan yang dilaksanakan The education and training materials conducted
selama tahun 2025 terdiri dari bidang-bidang yang throughout 2025 covered fields directly related to the
berkaitan langsung dengan bisnis perbankan di banking business, including the following: [OJK F.22]
antaranya: [OJK F.22]
182 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Pelatihan Internal Pelatihan Persentase
Fungsi/Bidang Tugas Internal Training Eksternal Jumlah (%)
Function/Duty Operasional Kredit Manajerial Lainnya External Total Percentage
Operational Credit Managerial Other Training (%)
Frontliner 1.938 32 - 1.048 63 3.081 23,14
Credit 33 3.013 27 2.031 2 5.106 38,34
Operational 466 26 6 997 32 1.527 11,47
Treasury, Trade
1 3 - 42 7 53 0,40
Financial
Information Technology 13 13 2 265 1 294 2,21
IAU & Control 22 9 1 294 2 328 2,46
Management Trainee 33 47 - 172 - 252 1,89
Others 54 68 11 2.506 37 2.676 20,09
Jumlah
2,560 3,211 47 7,355 144 13,317
Total
% 19,22 24,11 0,36 55,23 1,08 100
Jumlah Jam Pendidikan
Total Training Hours
Uraian 2025 2024 2023
Description
Jumlah Jam
3.652 6.522 7.804
Total Hours
Jumlah Pendidikan Online
809 920 534
Total Online Education
Jumlah Pendidikan Offline
2.843 5.602 7.270
Total Offline Education
Tabel Pengembangan Kompetensi Berdasarkan Jenis Kelamin dan Level Jabatan [OJK F.22][GRI 404-1]
Table of Competency Development by Gender and Position
Jumlah Pekerja yang Rata-rata Jam Pelatihan
Memperoleh Pelatihan Jam Pelatihan Setiap Pekerja
Uraian Number of Employees Training Hours Average Training Hours per
Description Receiving Training Employee
2025 2024 2023 2025 2024 2023 2025 2024 2023
Keseluruhan
13.317 11.828 16.261 3.652 6.522 7.804 3,52 5,10 5,33
Overall
Berdasarkan Gender
By Gender
Laki-laki
6.235 5.308 7.742 1.710 2.927 3.716 3,20 4,61 5,04
Male
Perempuan
7.082 6.520 8.519 1.942 3.595 4.088 3,87 5,58 5,64
Female
Berdasarkan kategori jabatan karyawan
By Employee Position Category
Wakil Presiden Senior
17 25 33 5 14 16 4,66 14,00 5,33
Senior Vice President
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Tabel Pengembangan Kompetensi Berdasarkan Jenis Kelamin dan Level Jabatan [OJK F.22][GRI 404-1]
Table of Competency Development by Gender and Position
Jumlah Pekerja yang Rata-rata Jam Pelatihan
Memperoleh Pelatihan Jam Pelatihan Setiap Pekerja
Uraian Number of Employees Training Hours Average Training Hours per
Description Receiving Training Employee
2025 2024 2023 2025 2024 2023 2025 2024 2023
Wakil Presiden
70 64 53 19 35 25 1,92 2,69 3,13
Vice President
Asisten Wakil
Presiden
134 101 124 37 56 60 1,60 2,67 2,86
Assistant Vice
President
Manajer Senior
206 64 95 56 35 46 3,14 2,50 5,75
Senior Manager
Pengelola
235 124 232 64 68 111 2,58 2,83 4,27
Manager
Asisten Manajer
Senior
845 543 943 232 299 453 4,00 4,15 5,52
Senior Assistant
Manager
Asisten Manajer
790 584 752 217 322 361 2,89 3,79 4,30
Assistant Manager
Asisten Manajer
Junior
1.348 1.103 1.474 370 608 707 3,36 4,71 5,12
Junior Assistant
Manag
Petugas Pertama
4.869 3.925 5.368 1.335 2.164 2.576 3,43 4,53 5,03
First Officer
Staf
4.769 5.136 6.639 1.308 2.832 3.186 4,07 6,56 6,05
Staff
Non-Staf
34 159 548 9 88 263 1,33 8,80 4,87
Non-Staff
Pelatihan dan Pengembangan Pegawai [IDX S-05]
Employee Training and Development
Uraian 2025 2024 2023
Description
3,52 jam/pegawai 5,10 jam/pegawai 5,33 jam/pegawai
Rata-rata jam pelatihan per pegawai
3.52 hours/ 5.10 hours/ 5.33 hours/
Average training hours per employee
employee employee employee
Jumlah pegawai yang ikut serta dalam program pelatihan 13.317 orang 11.828 orang 16.261 orang
Total employee participated in training program 13,317 persons 11,828 persons 16,261 persons
99,04% (dari 96,17% (dari total 95,56% (dari total
Persentase jumlah pegawai yang ikut serta dalam pelatihan total karyawan) karyawan) karyawan)
Percentage of employees participated in training programs 99.04% (of total 96.17% (of total 95.56% (of total
employees) employees) employees)
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Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
Penilaian Kinerja Karyawan Employee Performance Appraisal
Bank memberikan apresiasi kepada seluruh karyawan The Bank provides recognition to all employees
(100%) melalui mekanisme tinjauan dan penilaian (100%) through a transparent mechanism of periodic
kinerja berkala yang dilakukan secara transparan. performance reviews and evaluations. This evaluation
Proses evaluasi ini bertujuan untuk menjamin process aims to ensure fairness, provide developmental
keadilan, memberikan dukungan pengembangan, support, and establish clear performance targets. The
serta menetapkan target pencapaian yang jelas. Bank Bank is fully committed to the principle of gender
berkomitmen penuh terhadap prinsip kesetaraan equality by implementing merit-based performance
gender dengan melakukan penilaian berbasis prestasi assessments without discrimination. The results
(merit-based) tanpa diskriminasi. Hasil penilaian of these evaluations serve as a strategic basis for
tersebut menjadi dasar strategis bagi Bank dalam the Bank in determining remuneration policies and
menentukan kebijakan remunerasi dan pengembangan employee career development pathways. [GRI 3-3]
jenjang karir karyawan. [GRI 3-3]
Sistem Evaluasi Karyawan Employee Evaluation System
Bank menyelenggarakan evaluasi penilaian kinerja The Bank conducts periodic performance evaluations
secara berkala dengan tujuan memotivasi karyawan with the objective of motivating employees to
untuk terus meningkatkan performa mereka. Hasil dari continuously improve their performance. The
Performance Management Evaluation ini dipadukan results of the Performance Management Evaluation
dengan pemenuhan kompetensi teknis melalui metode are integrated with the fulfillment of technical
Nine Grids, yang menjadi landasan utama dalam competencies through the Nine-Grid method, which
menentukan promosi, pengembangan karir, serta serves as the primary basis for determining promotions,
pemberian reward and recognition. Sistem manajemen career development, and the provision of rewards and
kinerja ini dijalankan secara konsisten setiap semester recognition. This performance management system
dengan indikator yang terukur antara lain: is implemented consistently each semester with
measurable indicators, including:
Key Performance Indicator (KPI): Key Performance Indicators (KPI):
1. Pilar A (Karakter) 1. Pillar A (Character)
2. Pilar B (Kinerja): 2. Pillar B (Performance):
3. Pilar C (Credit Penalty) 3. Pillar C (Credit Penalty)
Pengembangan Karir Career Development
Pengembangan karir karyawan menjadi elemen strategis Employee career development is a strategic element
dalam meningkatkan motivasi, kinerja, dan loyalitas in enhancing motivation, performance, and loyalty,
yang berdampak langsung pada nilai perusahaan. which directly contributes to the Company’s value.
Bank menerapkan kebijakan pengembangan karir yang The Bank implements structured and objective career
terstruktur dan objektif sesuai dengan Surat Edaran SDM development policies in accordance with Human
No. 003.02.0 tentang Ketentuan Promosi dan Demosi, Resources Circular Letter No. 003.02.0 concerning
serta Surat Edaran SDM No. 047.01.1 tentang Ketentuan Promotion and Demotion Provisions, as well as Human
Pelaksanaan Talent Management. Kedua kebijakan ini Resources Circular Letter No. 047.01.1 concerning the
bertujuan untuk memastikan bahwa seluruh karyawan Implementation of Talent Management. These policies
memiliki kesempatan yang sama untuk mengembangkan are intended to ensure that all employees have equal
karir dengan dasar yang objektif yaitu kompetensi,kinerja, opportunities for career advancement based on
dan kebutuhan organisasi. objective criteria, namely competence, performance,
and organizational needs.
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Bank memosisikan Human Capital sebagai aset strategis The Bank positions Human Capital as a strategic
yang penting dalam mengakselerasi pencapaian target asset that plays an essential role in accelerating
bisnis dan keberlanjutan jangka panjang. Oleh karena the achievement of business targets and long-
itu, tata kelola sumber daya manusia diimplementasikan term sustainability. Accordingly, human resource
secara terstruktur, menyelaraskan strategi bisnis dengan governance is implemented in a structured manner
budaya kerja perusahaan. Guna memastikan operasional by aligning business strategy with the Company’s
SDM sejalan dengan visi dan misi perusahaan, Bank work culture. To ensure that HR operations are
menetapkan Key Performance Indicators (KPI) sebagai aligned with the Company’s vision and mission, the
parameter pengukuran kinerja yang objektif, didukung Bank establishes Key Performance Indicators (KPIs)
oleh sistem reward & punishment yang menjunjung tinggi as objective performance measurement parameters,
prinsip keadilan serta transparansi. supported by a reward and punishment system that
upholds the principles of fairness and transparency.
Hubungan Industrial dan Kebebasan Industrial Relations and Freedom of
Berserikat Association
Dalam membangun hubungan industrial yang sehat, In building sound industrial relations, the Bank
Bank menghormati kebebasan berserikat sebagai hak respects freedom of association as a fundamental
dasar karyawan. Bank memberikan kebebasan penuh right of employees. The Bank provides full freedom
bagi karyawan untuk membentuk dan bergabung for employees to establish and join labor unions as
dengan serikat pekerja sebagai sarana komunikasi dan a constructive channel for communication and the
penyaluran aspirasi secara konstruktif. Penghormatan expression of aspirations. Respect for freedom of
terhadap kebebasan berserikat juga diwujudkan melalui association is also demonstrated through the Bank’s
kepatuhan Bank terhadap peraturan perundang- compliance with applicable national laws and relevant
undangan nasional dan konvensi internasional terkait. international conventions. The Bank Artha Graha
Serikat Pekerja Bank Artha Graha Internasional Internasional Employees Union serves as a strategic
(IKAJIH) berperan sebagai mitra strategis dalam partner in maintaining harmonious industrial relations.
menjaga hubungan industrial yang harmonis. Hingga As of December 31, 2025, the number of IKAJIH
31 Desember 2025, jumlah anggota IKAJIH tercatat members was recorded at 1,037 persons. [GRI 3-3]
sebanyak 1.037 orang. [GRI 3-3]
Sebagai upaya memperkuat hubungan kerja yang As part of efforts to strengthen transparent and fair
transparan dan adil, Bank bersama IKAJIH telah employment relations, the Bank, together with IKAJIH,
menyepakati Perjanjian Kerja Bersama (PKB) sebagai has agreed on a Collective Labor Agreement (CLA) as
landasan hukum yang mengatur hak dan kewajiban the legal basis governing the rights and obligations
kedua belah pihak. PKB berfungsi untuk meminimalkan of both parties. The CLA serves to minimize potential
potensi perselisihan dan menciptakan kepastian disputes and to create certainty in employment
hubungan kerja. [GRI 2-30] relations. [GRI 2-30]
Sepanjang tahun pelaporan, Bank tidak menghadapi Throughout the reporting year, the Bank did not face
risiko signifikan terkait pelanggaran kebebasan any significant risks related to violations of freedom of
berserikat maupun perundingan kolektif. Hal ini association or collective bargaining. This reflects the
mencerminkan konsistensi Bank dalam menghormati Bank’s consistent commitment to respecting workers’
hak-hak pekerja sesuai ketentuan yang berlaku. [GRI rights in accordance with applicable regulations. [GRI
407-1] 407-1]
Penyampaian dan Penyelesaian Keluhan Grievance Submission and Resolution
Demi mewujudkan ekosistem kerja yang sehat, To foster a healthy, harmonious, and productive working
harmonis, dan produktif, Bank berkomitmen ecosystem, the Bank is committed to implementing
mengimplementasikan prinsip hubungan industrial sound industrial relations principles. The Bank
yang kokoh. Bank menjamin hak setiap karyawan untuk guarantees every employee’s right to express opinions,
mengemukakan pendapat, memberikan saran, serta provide suggestions, and obtain relevant information
186 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 187
Menghadirkan Manfaat Nyata Bagi Masyarakat
Bringing Real Benefits to The Community
memperoleh informasi yang relevan terkait pelaksanaan related to the performance of duties and employment
tugas dan hubungan kerja. Prinsip komunikasi terbuka relations. This principle of open communication serves
ini menjadi jembatan antara karyawan dan manajemen as a bridge between employees and management to
untuk memperkuat sinergi serta memacu kinerja strengthen synergy and enhance overall organizational
organisasi secara menyeluruh. Bank senantiasa performance. The Bank consistently encourages
mendorong penyampaian aspirasi dilakukan secara the delivery of aspirations in a courteous, clear, and
santun, jelas, dan profesional melalui mekanisme yang professional manner through established mechanisms.
telah ditetapkan.
Adapun prosedur penyelesaian keluh kesah karyawan The procedures for resolving employee grievances are
diatur sebagai berikut: regulated as follows:
1. Setiap keluhan karyawan harus dibicarakan dan/ 1. Every employee grievance must be discussed and/
atau diselesaikan dengan atasan langsung yang or resolved with the authorized direct supervisor;
berwenang;
2. Bila keluhan atau masalah tidak bisa diselesaikan 2. If the grievance or issue cannot be resolved by
oleh atasan langsung, maka dengan sepengetahuan the direct supervisor, then with the supervisor’s
atasannya, karyawan yang bersangkutan dapat knowledge, the employee concerned may submit
menyampaikan keluhan atau pengaduannya pada the grievance or complaint verbally or in writing to
atasan yang berwenang yang lebih tinggi secara a higher authorized supervisor;
lisan atau tertulis;
3. Bila langkah kedua menemui jalan buntu, karyawan 3. If the second step does not lead to a resolution, the
yang bersangkutan dapat meneruskan keluhan/ employee concerned may escalate the grievance
pengaduannya, dan menyelesaikan bersama bagian or complaint and resolve it jointly with the Industrial
Hubungan Industrial; Relations function;
4. Setelah dirundingkan dengan sungguh-sungguh 4. If, after serious deliberation, differences of opinion
ternyata masih terdapat perbedaan pendapat remain that cannot be resolved through mutual
yang tidak dapat diselesaikan secara mufakat, agreement, such differences shall be deemed a
perbedaan pendapat ini dianggap sebagai labor dispute and may be resolved in accordance
perselisihan perburuhan dan penyelesaiannya with applicable laws and regulations; and
dapat ditempuh dengan berpedoman kepada
peraturan perundang-undangan yang berlaku; dan
5. Selama proses penyelesaian, kedua belah pihak 5. Throughout the resolution process, both parties
wajib menjaga supaya kegiatan Bank tetap are required to ensure that the Bank’s operations
berlangsung lancar dan aman. continue to run smoothly and safely.
Dalam memitigasi potensi perselisihan di lingkup In mitigating potential disputes within the organization,
organisasi, Bank mengedepankan prinsip musyawarah the Bank prioritizes the principles of deliberation and
mufakat dan pendekatan kekeluargaan sebagai langkah consensus, as well as a family-oriented approach, as
preventif maupun solusi utama. Hal ini selaras dengan both preventive measures and primary solutions. This
nilai-nilai keterbukaan, kerja sama, dan keadilan yang approach is aligned with the Bank’s values of openness,
dianut Bank guna mencapai kesepakatan bersama cooperation, and fairness in achieving mutually
yang saling menguntungkan (win-win solution). Kendati beneficial outcomes (win-win solutions). While legal
prosedur penyelesaian secara hukum tetap tersedia dispute resolution procedures remain available as a last
sebagai upaya terakhir, Bank senantiasa mengutamakan resort, the Bank consistently prioritizes constructive
dialog internal yang konstruktif. Sepanjang tahun 2025, internal dialogue. Throughout 2025, there are 2 (two)
terdapat 2 (dua) pengaduan dari karyawan terkait employee complaints related to labor issues.
permasalahan ketenagakerjaan.
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Harmoni Bersama Membangun Lingkungan Kerja Berkualitas Harmony In Building a Quality Work Environment
Page 189
09
Page 190
Besinergi Menciptakan Lingkungan Kerja
Terbaik
Working Together to Create the Best Work Environment
Komitmen Bank terhadap K3 [GRI 3-3] The Bank’s Commitment to Occupational
Health and Safety (OHS) [GRI 3-3]
Keselamatan dan Kesehatan Kerja (K3) merupakan Occupational Health and Safety (OHS) is a fundamental
aspek fundamental dalam mendukung produktivitas aspect in supporting employee productivity and
serta kesejahteraan pegawai. Lingkungan kerja yang well-being. A conducive work environment not only
kondusif tidak hanya menjamin rasa aman, tetapi ensures a sense of safety, but also provides physical
juga memberikan kenyamanan fisik dan psikologis and psychological comfort for employees. As an
bagi karyawan. Sebagai lembaga yang menempatkan institution that places human resources as its primary
sumber daya manusia sebagai aset utama, Bank asset, Bank Artha Graha Internasional is committed to
Artha Graha Internasional berkomitmen menyediakan providing a work environment that strictly complies
lingkungan kerja yang memenuhi standar K3 secara with OHS standards. This commitment is realized
ketat. Komitmen tersebut diwujudkan melalui upaya through efforts to protect against potential workplace
perlindungan terhadap potensi kecelakaan kerja, accidents, prevent occupational diseases, and provide
pencegahan penyakit akibat kerja, serta penyediaan work facilities that support employees in performing
fasilitas kerja yang mendukung karyawan agar dapat their duties optimally.
bekerja secara optimal.
Kesehatan kerja menjadi salah satu fokus utama Bank Occupational health is one of the Bank’s main focus
sebagai bentuk kepatuhan terhadap Pasal 98 Undang- areas as part of its compliance with Article 98 of Law
Undang Republik Indonesia Nomor 17 Tahun 2023 of the Republic of Indonesia No. 17 of 2023 on Health.
tentang Kesehatan. Ketentuan tersebut mewajibkan This provision requires every workplace manager to
setiap pengelola tempat kerja bertanggung jawab be responsible for implementing occupational health
melaksanakan upaya kesehatan kerja yang terintegrasi efforts integrated with the occupational health and
dengan sistem keselamatan dan kesehatan kerja. safety system. Meanwhile, Article 99 emphasizes that
Sementara itu, Pasal 99, menegaskan bahwa upaya occupational health efforts are aimed at protecting
kesehatan kerja ditujukan untuk melindungi pekerja dan workers and others present in the workplace so
orang lain yang ada di tempat kerja agar hidup sehat that they may live healthily and be free from health
dan terbebas dari gangguan kesehatan serta pengaruh disturbances and adverse effects caused by work.
buruk yang diakibatkan oleh pekerjaan. Dengan Through the implementation of these provisions,
penerapan ketentuan tersebut, Bank memastikan the Bank ensures the creation of a healthy, safe, and
terciptanya lingkungan kerja yang sehat, aman, dan supportive work environment that sustains employee
mendukung keberlanjutan produktivitas karyawan. productivity.
Sejalan dengan upaya tersebut, Bank juga memberikan In line with these efforts, the Bank also places serious
perhatian serius terhadap aspek keselamatan kerja attention on workplace safety in accordance with the
sesuai dengan semangat Undang-Undang Republik spirit of Law of the Republic of Indonesia No. 1 of 1970
Indonesia Nomor 1 Tahun 1970 tentang Keselamatan on Occupational Safety, which affirms the right of
Kerja, yang menegaskan hak setiap tenaga kerja atas every worker to safety protection in carrying out their
perlindungan keselamatan dalam melaksanakan work. This protection is not only intended to enhance
pekerjaannya. Perlindungan ini tidak hanya ditujukan employee welfare, but also contributes to improved
untuk meningkatkan kesejahteraan karyawan, tetapi performance and sustainable productivity. The Bank
juga berkontribusi pada peningkatan kinerja dan consistently applies occupational safety principles by
produktivitas secara berkelanjutan. Bank secara ensuring that all work activities comply with applicable
konsisten menerapkan prinsip keselamatan kerja safety standards.
dengan memastikan seluruh aktivitas kerja memenuhi
standar keselamatan yang berlaku.
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Harmoni Bersama Membangun
Lingkungan Kerja Berkualitas
Harmony In Building a Quality Work Environment
Selain itu, Bank secara proaktif melakukan pencegahan In addition, the Bank proactively undertakes the
penyakit akibat kerja dengan merujuk pada Peraturan prevention of occupational diseases by referring to
Presiden Republik Indonesia Nomor 7 Tahun 2019 Presidential Regulation of the Republic of Indonesia
tentang Penyakit Akibat Kerja, yang mendefinisikan No. 7 of 2019 on Occupational Diseases, which defines
penyakit akibat kerja sebagai penyakit yang disebabkan occupational diseases as illnesses caused by work
oleh pekerjaan dan/atau lingkungan kerja. Melalui and/or the work environment. Through periodic risk
evaluasi risiko secara berkala serta penyediaan edukasi evaluations and the provision of health education and
dan pelatihan kesehatan bagi karyawan, Bank berupaya training for employees, the Bank seeks to minimize the
meminimalkan potensi penyakit akibat kerja sekaligus potential occurrence of occupational diseases while
menumbuhkan kesadaran akan pentingnya menjaga fostering awareness of the importance of maintaining
kesehatan di lingkungan kerja. health in the workplace.
Upaya mewujudkan lingkungan kerja terbaik yang Efforts to create an optimal work environment based
berlandaskan kaidah Keselamatan dan Kesehatan Kerja on Occupational Health and Safety (OHS) principles
(K3) tidak hanya dilakukan melalui kepatuhan terhadap are not only carried out through regulatory compliance,
regulasi, tetapi juga melalui komitmen bersama but also through a shared commitment between
antara manajemen dan karyawan Bank untuk secara management and employees to consistently apply
konsisten menerapkannya dalam setiap aktivitas kerja. these principles in every work activity. This synergy
Sinergi tersebut menjadi fondasi dalam membangun serves as the foundation for building and strengthening
dan menumbuhkan budaya K3 yang kuat di seluruh a robust OHS culture throughout the Bank. Through the
lingkungan Bank. Melalui penerapan budaya K3 yang implementation of a sustainable OHS culture, the Bank
berkelanjutan, Bank optimistis dapat menekan tingkat is optimistic about reducing workplace accidents to
kecelakaan kerja hingga mencapai zero accident, serta achieve zero accidents and preventing the occurrence
mencegah terjadinya penyakit akibat kerja. of occupational diseases.
Landasan Kebijakan Policy Framework
Upaya Bank dalam mewujudkan lingkungan kerja The Bank’s efforts to create a decent, safe, and healthy
yang layak, aman, dan sehat sesuai dengan kaidah work environment in accordance with Occupational
Keselamatan dan Kesehatan Kerja (K3) dilaksanakan Health and Safety (OHS) principles are carried out by
dengan mengacu pada berbagai regulasi yang berlaku referring to various regulations applicable in Indonesia.
di Indonesia. Regulasi tersebut menjadi landasan hukum These regulations serve as the legal basis to ensure
yang memastikan terpenuhinya standar keselamatan that occupational health and safety standards are
dan kesehatan kerja di seluruh aktivitas operasional fulfilled across all of the Bank’s operational activities.
Bank. Adapun regulasi yang menjadi acuan penerapan The regulations that serve as references for the
K3 di Bank di antaranya: implementation of OHS at the Bank include:
1. Undang-Undang Nomor 1 Tahun 1970 tentang 1. Law No. 1 of 1970 concerning Occupational Safety;
Keselamatan Kerja;
2. Undang-Undang Nomor 13 Tahun 2003 tentang 2. Law No. 13 of 2003 concerning Manpower;
Ketenagakerjaan;
3. Peraturan Pemerintah Nomor 50 Tahun 2012 tentang 3. Government Regulation No. 50 of 2012 concerning
Penerapan Sistem Manajemen Keselamatan dan the Implementation of Occupational Health and
Kesehatan Kerja; Safety Management Systems;
4. Peraturan Menteri Kesehatan Republik Indonesia 4. Regulation of the Minister of Health of the Republic
Nomor 48 Tahun 2016 tentang Standar Keselamatan of Indonesia No. 48 of 2016 concerning Office
dan Kesehatan Kerja Perkantoran; Occupational Health and Safety Standards;
5. Peraturan Presiden Republik Indonesia Nomor 7 5. Presidential Regulation of the Republic of Indonesia
Tahun 2019 tentang Penyakit Akibat Kerja; No. 7 of 2019 concerning Occupational Diseases;
6. Undang-Undang Nomor 17 Tahun 2023 tentang 6. Law No. 17 of 2023 concerning Health;
Kesehatan;
7. Undang-Undang Nomor 6 Tahun 2023 tentang 7. Law No. 6 of 2023 concerning the Stipulation of
Penetapan Peraturan Pemerintah Pengganti Government Regulation in Lieu of Law No. 2 of 2022
Undang-Undang Nomor 2 Tahun 2022 tentang on Job Creation into Law.
Cipta Kerja menjadi Undang-Undang.
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Berdasarkan regulasi di atas, Bank menetapkan Based on the above regulations, the Bank has
kebijakan internal yang mendukung implementasi established internal policies to support the consistent
K3 secara konsisten di lingkungan kerja. Salah satu implementation of OHS within the work environment.
kebijakan yang diterapkan adalah PAP 80301.03.0 One of the policies implemented is PAP 80301.03.0 on
tentang Pemeliharaan dan Pengamanan Gedung yang Building Maintenance and Security, which is designed
dirancang untuk memastikan seluruh aspek fisik dan to ensure that all physical and structural aspects of
struktural fasilitas kerja memenuhi standar keselamatan work facilities meet occupational health and safety
dan kesehatan kerja sesuai ketentuan yang berlaku. standards in accordance with applicable regulations.
Penanggung Jawab K3 OHS Responsibility
Sebagai bagian dari implementasi Sistem Manajemen As part of the implementation of the Office
Keselamatan dan Kesehatan Kerja (SMK3) Perkantoran, Occupational Health and Safety Management System
Bank menetapkan Direktorat General Affair (GA) (SMK3), the Bank has designated the General Affair
sebagai pengelola utama penerapan K3 di lingkungan (GA) Directorate as the primary unit responsible for
kerja. Direktorat GA bertanggung jawab langsung managing the implementation of OHS in the work
kepada Direktur Utama dalam memastikan kebijakan environment. The GA Directorate reports directly to the
serta program K3 dilaksanakan secara efektif dan President Director in ensuring that OHS policies and
efisien di seluruh unit kerja dan jaringan kantor cabang programs are implemented effectively and efficiently
Bank. Dalam menjalankan peran tersebut, Direktorat GA across all work units and branch office networks of
memiliki tugas dan tanggung jawab dalam pengelolaan the Bank. In carrying out this role, the GA Directorate
K3 antara lain: [GRI 403-1, 403-4] has the following duties and responsibilities in OHS
management, among others: [GRI 403-1, 403-4]
1. Menyusun program kerja K3 secara tahunan; 1. Preparing annual OHS work programs;
2. Memastikan alat keselamatan berfungsi dengan 2. Ensuring that safety equipment functions properly;
baik; dan and
3. Melaksanakan sosialisasi keselamatan program K3. 3. Conducting OHS safety program socialization.
Rencana Program K3 Tahun 2025 OHS Program Plan for 2025
Pada tahun 2025, Direktorat General Affair telah In 2025, the General Affair Directorate designed the
merancang program K3 sebagai berikut: [GRI 403-7] following OHS programs: [GRI 403-7]
1. Pemeliharaan secara berkala untuk fasilitas 1. Periodic maintenance of building supporting
penunjang gedung seperti lift dan genset; facilities such as elevators and generators;
2. Sosialisasi penggunaan APAR; 2. Socialization on the use of APAR;
3. Penggantian isi tabung APAR secara berkala; dan 3. Periodic refilling of APAR cylinders; and
4. Re-sertifikasi sarana dan prasarana K3. 4. Recertification of OHS facilities and infrastructure.
Pelaksanaan Program K3 Implementation of OHS Programs
Sepanjang tahun 2025, Direktorat General Affair Throughout 2025, the General Affair Directorate
telah melaksanakan program-program K3 sebagai implemented the following OHS programs: [GRI 403-3,
berikut:[GRI 403-3, 403-6] 403-6]
1. Pemeliharaan rutin lift kantor, antara lain di 1. Routine maintenance of office elevators, including
gedung Suryopranoto, Kopi, Matraman, Kwitang, at the Suryopranoto, Kopi, Matraman, Kwitang,
Cokroaminoto, Asia Afrika Bandung, dan Lampung; Cokroaminoto, Asia Afrika Bandung, and Lampung
buildings;
2. Pemeliharaan rutin genset di semua gedung Kantor 2. Routine maintenance of generators at all Branch
Cabang; Office buildings;
3. Pelaksanaan simulasi kebakaran dan sosialisasi 3. Implementation of fire drills and socialization on
penggunaan APAR; the use of APAR;
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Sustaining Stability, Driving Growth
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Harmoni Bersama Membangun
Lingkungan Kerja Berkualitas
Harmony In Building a Quality Work Environment
4. Penggantian isi tabung APAR di gedung Kantor 4. Refilling of APAR cylinders at the Head Office and
Pusat dan Cabang; serta Branch Office buildings; and
5. Perpanjangan dan pembuatan baru sertifikasi 5. Renewal and issuance of new certifications for OHS
sarana dan prasarana K3 di gedung Kantor Pusat facilities and infrastructure at the Head Office and
dan Cabang dalam dan luar kota. Branch Office buildings, both within and outside
the city.
Implementasi Standar K3 Perkantoran Implementation of Office OHS Standards
Bank menyadari bahwa aktivitas kerja di lingkungan The Bank recognizes that although work activities in
gedung atau perkantoran cenderung dianggap aman, office or building environments are often perceived
tetap terdapat potensi risiko kecelakaan kerja yang as safe, there remain potential risks of workplace
dapat berdampak pada keselamatan dan kesehatan accidents that may affect employee safety and health.
karyawan. Oleh karena itu, untuk meminimalkan Therefore, to minimize such risks, the Bank adopts
potensi risiko tersebut, Bank mengadopsi berbagai various regulations related to Occupational Health and
regulasi terkait Keselamatan dan Kesehatan Kerja Safety (OHS), including Regulation of the Minister of
(K3), salah satunya Peraturan Menteri Kesehatan Health of the Republic of Indonesia No. 48 of 2016 on
Republik Indonesia No. 48 Tahun 2016 tentang Standar Office Occupational Health and Safety Standards. This
Keselamatan dan Kesehatan Kerja Perkantoran. regulation governs the implementation of the Office
Regulasi ini mengatur penerapan Sistem Manajemen Occupational Health and Safety Management System
Keselamatan dan Kesehatan Kerja Perkantoran (SMK3 Perkantoran) as a systematic effort to prevent
(SMK3 Perkantoran) sebagai upaya sistematis untuk workplace accidents and occupational diseases.
mencegah kecelakaan kerja dan penyakit akibat kerja. Through the implementation of this system, the Bank
Melalui penerapan sistem tersebut, Bank menargetkan aims to achieve zero accidents and the absence of
tercapainya kondisi zero accident serta nihil penyakit occupational diseases, thereby fostering healthy, safe,
akibat kerja, sehingga tercipta karyawan yang sehat, fit, and optimally performing employees. [GRI 403-1, 403-
selamat, bugar, dan berkinerja optimal. [GRI 403-1, 403-8] 8]
Untuk mendukung penerapan K3 secara efektif, Bank To support the effective implementation of OHS, the
melakukan identifikasi bahaya dan penilaian risiko Bank conducts comprehensive hazard identification
secara komprehensif terhadap seluruh aktivitas di and risk assessments across all workplace activities.
lingkungan kerja. Proses ini mencakup aktivitas rutin This process covers routine and non-routine activities,
maupun non-rutin, kondisi darurat, serta aktivitas yang emergency conditions, and activities involving all
melibatkan seluruh pihak yang memiliki akses ke area parties who have access to the workplace, including
kerja, termasuk pekerja sementara dan pengunjung. temporary workers and visitors. Risk identification
Identifikasi risiko juga dilakukan dengan menilai also includes assessing the adequacy of facilities,
kelengkapan sarana, prasarana, dan peralatan kerja infrastructure, and work equipment to ensure that all
guna memastikan seluruh aspek di lingkungan kerja aspects of the work environment are safe and do not
aman dan tidak menimbulkan potensi bahaya bagi pose potential hazards to employees or other related
karyawan maupun pihak terkait lainnya. [GRI 403-2, 403-7] parties. [GRI 403-2, 403-7]
Sebagai bagian dari langkah mitigasi risiko, Bank As part of risk mitigation measures, the Bank provides
menyediakan berbagai sarana dan prasarana various facilities and infrastructure to support building
pendukung sistem perlindungan dan pengamanan protection and security systems, particularly in
gedung, khususnya terkait pencegahan dan relation to fire prevention and control. Available fire
penanggulangan kebakaran. Fasilitas keselamatan safety facilities include portable fire extinguishers,
kebakaran yang tersedia antara lain Alat Pemadam Api wheeled fire extinguishers, fire alarm systems, outdoor
Ringan (APAR), Alat Pemadam Api Berat (APAB) beroda, hydrants, automatic sprinkler systems, and smoke
sistem alarm kebakaran, hydrant halaman, sistem control systems.
sprinkler otomatis, serta sistem pengendalian asap.
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Upaya Bank dalam mewujudkan lingkungan kerja yang The Bank’s efforts to create a decent, safe, and
layak, aman, dan sehat tidak hanya terbatas pada healthy work environment are not limited to regulatory
pemenuhan regulasi dan penyediaan fasilitas fisik, compliance and the provision of physical facilities,
tetapi juga melibatkan partisipasi aktif karyawan dan but also involve the active participation of employees
mitra kerja dalam pengembangan serta implementasi and business partners in the development and
program K3. Bank meyakini bahwa keberhasilan implementation of OHS programs. The Bank believes
penerapan K3 sangat bergantung pada tingkat that the success of OHS implementation depends
kesadaran dan keterlibatan seluruh pihak, baik greatly on the level of awareness and involvement
manajemen, karyawan, maupun mitra kerja. Untuk of all parties, including management, employees, and
itu, Bank secara rutin menyelenggarakan berbagai business partners. Accordingly, the Bank regularly
pelatihan dan simulasi, seperti latihan penanganan conducts various training sessions and simulations,
kebakaran gedung dan simulasi evakuasi gempa, such as building fire response drills and earthquake
guna meningkatkan kesiapsiagaan dalam menghadapi evacuation simulations, to enhance preparedness in
kondisi darurat. Selain itu, Bank juga bekerja sama emergency situations. In addition, the Bank collaborates
dengan instansi terkait untuk memberikan pelatihan with relevant institutions to provide advanced training,
lanjutan antara lain penanganan bahan berbahaya, including the handling of hazardous materials, first aid
pertolongan pertama pada kecelakaan (P3K), serta (P3K), and workplace accident response. [GRI 403-3,
penanganan kecelakaan kerja. [GRI 403-3, 403-5, 403-6] 403-5, 403-6]
Sebagai bentuk dukungan terhadap kesejahteraan To support employee welfare and health, the Bank
dan kesehatan karyawan, Bank menyediakan berbagai provides various supporting facilities within the work
fasilitas pendukung di lingkungan kerja antara lain environment, including medical and treatment rooms,
ruang pengobatan dan perawatan, ruang pelatihan, training rooms, pantry facilities, prayer rooms, meeting
dapur, ruang ibadah, ruang rapat, lintasan lari di area rooms, office running tracks, toilets, parking areas, and
kantor, toilet, area parkir, serta fasilitas pengelolaan waste management facilities. The Bank also facilitates
sampah. Bank juga memfasilitasi kegiatan olahraga, sports, arts, and cultural activities as a means of
seni, dan budaya sebagai sarana penyaluran minat channeling employee interests and enhancing work–
serta peningkatan keseimbangan kehidupan kerja life balance.
karyawan.
Selain itu, Bank juga menyediakan layanan dan Furthermore, the Bank provides health services and
program kesehatan untuk memberikan perlindungan programs to offer protection and reduce employees’
serta mengurangi beban finansial karyawan akibat financial burden arising from health risks. All employees
risiko kesehatan. Seluruh karyawan didaftarkan are registered as participants of BPJS Kesehatan to
sebagai peserta BPJS Kesehatan untuk memperoleh obtain medical coverage, including outpatient care,
perlindungan layanan medis, termasuk rawat jalan, inpatient care, and follow-up treatment in accordance
rawat inap, dan perawatan lanjutan sesuai ketentuan with applicable provisions. The Bank also ensures
yang berlaku. Bank juga memastikan kepesertaan employee participation in the BPJS Ketenagakerjaan
karyawan dalam Program BPJS Ketenagakerjaan yang program, which includes: [GRI 403-3, 403-6]
mencakup: [GRI 403-3, 403-6]
1. Jaminan Kecelakaan Kerja (JKK); 1. Work Accident Insurance (JKK);
2. Jaminan Kematian (JKM); 2. Death Benefit (JKM);
3. Jaminan Hari Tua (JHT); dan 3. Old-Age Security (JHT); and
4. Jaminan Pensiun (JP). 4. Pension Security (JP).
194 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Harmoni Bersama Membangun
Lingkungan Kerja Berkualitas
Harmony In Building a Quality Work Environment
Kinerja K3 Tahun 2025 OHS Performance in 2025
Sepanjang tahun 2025, Bank secara konsisten Throughout 2025, the Bank consistently implemented
menjalankan program Keselamatan dan Kesehatan its Occupational Health and Safety (OHS) programs.
Kerja (K3). Berbagai langkah strategis dan kebijakan The various strategic measures and policies applied
yang diterapkan mencerminkan komitmen kuat Bank reflect the Bank’s strong commitment to creating a
dalam menciptakan lingkungan kerja yang aman dan safe and healthy work environment for all stakeholders.
sehat bagi seluruh pemangku kepentingan. Pada tahun During the reporting year, the Bank recorded very
pelaporan, Bank mencatatkan capaian kinerja yang positive performance, with no reported cases of
sangat positif yaitu tidak terdapat laporan penyakit occupational diseases. This achievement is the result
akibat kerja. Pencapaian tersebut merupakan hasil dari of management’s continuous efforts in managing
upaya berkelanjutan manajemen dalam mengelola risiko occupational health and safety risks and in creating
keselamatan dan kesehatan kerja serta menciptakan a work environment free from potential hazards and
lingkungan kerja yang bebas dari potensi bahaya dan accidents. Overall, the Bank’s OHS performance in
kecelakaan. Secara keseluruhan, kinerja K3 Bank pada 2025 is presented as follows. [GRI 403-9, 403-10]
tahun 2025 disajikan sebagai berikut. [GRI 403-9, 403-10]
Tabel Jumlah Kejadian Kecelakaan tahun 2023-2025
Number of Accidents 2023-2025
Tingkat Kecelakaan Kerja 2025 2024 2023
Workplace Accident Rate
Ringan
1 - -
Minor
Sedang
2 - 1
Moderate
Berat
3 2 1
Major
Fatalitas/Kematian
- - -
Fatalities/Deaths
Jumlah
6 2 2
Total
Jumlah Kecelakaan Kerja [IDX S-06]
Number of Workplace Accidents
Uraian 2025 2024 2023
Description
Frekuensi kecelakaan kerja dari total pegawai
Frequency of workplace accidents among total 6 2 2
employees
Persentase kecelakaan kerja serius yang berakibat
cedera serius dan fatal dari total pegawai
0% 0% 0%
Percentage of serious workplace accidents resulting in
serious injury and fatalities among total employees
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Menjaga Kepercayaan Dengan Memberikan Layanan Terbaik Maintaining Trust by Providing the Best Service
Page 197
10
Page 198
Menjaga Kepercayaan Dengan Memberikan
Layanan Terbaik
Maintaining Trust by Providing the Best Service
Bank Artha Graha Internasional terus membangun Bank Artha Graha Internasional continued to
tingkat kepercayaan nasabah yang tinggi terhadap strengthen a high level of customer trust in its products
produk dan layanannya sepanjang tahun 2025. Upaya and services throughout 2025. This effort was realized
tersebut diwujudkan melalui peningkatan kualitas through continuous improvement in service quality, the
layanan secara berkelanjutan, pengembangan produk development of increasingly relevant products, and
yang semakin relevan, serta penyediaan pengalaman the delivery of reliable banking experiences tailored to
perbankan yang andal sesuai kebutuhan nasabah. customer needs. Through this consistent commitment,
Melalui komitmen yang konsisten tersebut, Bank the Bank demonstrates its dedication to maintaining
menunjukkan dedikasinya dalam menjaga kepuasan customer satisfaction and building long-term mutually
nasabah serta membangun hubungan jangka panjang beneficial relationships. The steadily growing customer
yang saling menguntungkan. Kepercayaan nasabah trust serves as a key foundation for the Bank in
yang terus tumbuh menjadi fondasi utama bagi Bank strengthening its brand image and reputation amid an
dalam memperkuat citra dan reputasinya di tengah increasingly competitive banking industry, while also
dinamika industri perbankan yang semakin kompetitif, becoming an important driver to support long-term
sekaligus menjadi modal penting untuk mendukung business growth and sustainability.
pertumbuhan dan keberlanjutan usaha jangka panjang.
Landasan Kebijakan Policy Framework
Komitmen Bank dalam memberikan layanan terbaik The Bank’s commitment to providing the best services
kepada nasabah tidak hanya tercermin dari kualitas to customers is reflected not only in the quality of the
produk dan pelayanan yang dihadirkan, tetapi juga products and services delivered, but also in its high
dari tingkat kepatuhan yang tinggi terhadap berbagai level of compliance with applicable regulations in the
regulasi yang berlaku di sektor perbankan. Kepatuhan banking sector. Such compliance serves as an essential
tersebut menjadi landasan penting dalam memastikan foundation for ensuring responsible, transparent
praktik usaha yang bertanggung jawab, transparan, dan business practices that are oriented toward customer
berorientasi pada perlindungan nasabah. Regulasi yang protection. The regulations that serve as references
menjadi acuan Bank dalam layanan kepada nasabah di for the Bank in delivering customer services include,
antaranya: among others:
1. Undang-Undang Nomor 8 Tahun 1999 tentang 1. Law No. 8 of 1999 concerning Consumer Protection;
Perlindungan Konsumen;
2. Surat Edaran Otoritas Jasa Keuangan (SEOJK) 2. Financial Services Authority Circular Letter (SEOJK)
Nomor 17/SEOJK.07/2018 tentang Pedoman No. 17/SEOJK.07/2018 concerning Guidelines for the
Pelaksanaan Layanan Pengaduan Konsumen di Implementation of Consumer Complaint Services
Sektor Jasa Keuangan; in the Financial Services Sector;
3. Undang-Undang Republik Indonesia Nomor 27 3. Law of the Republic of Indonesia No. 27 of 2022
Tahun 2022 tentang Perlindungan Data Pribadi; concerning Personal Data Protection;
4. Peraturan Otoritas Jasa Keuangan Republik 4. Financial Services Authority Regulation of the
Indonesia Nomor 3 Tahun 2023 tentang Peningkatan Republic of Indonesia No. 3 of 2023 concerning the
Literasi dan Inklusi Keuangan di Sektor Jasa Enhancement of Financial Literacy and Inclusion in
Keuangan Bagi Konsumen dan Masyarakat; the Financial Services Sector for Consumers and
the Public;
5. Peraturan Otoritas Jasa Keuangan (OJK) Nomor 22 5. Financial Services Authority (OJK) Regulation
Tahun 2023 tentang Perlindungan Konsumen dan No. 22 of 2023 concerning Consumer and Public
Masyarakat di Sektor Jasa Keuangan; Protection in the Financial Services Sector;
6. Peraturan Bank Indonesia Nomor 3 Tahun 2023 6. Bank Indonesia Regulation No. 3 of 2023 concerning
tentang Perlindungan Konsumen Bank Indonesia. Bank Indonesia Consumer Protection.
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
Layanan Setara untuk Nasabah [OJK F.17] Equal Services for Customers [OJK F.17]
Bank secara berkelanjutan berupaya memahami serta The Bank continuously strives to understand and
menyesuaikan diri dengan kebutuhan seluruh nasabah. adapt to the needs of all customers. In line with rapid
Seiring dengan pesatnya perkembangan teknologi dan technological developments and digital transformation,
transformasi digital, Bank terus melakukan inovasi guna the Bank continues to innovate to deliver services that
menghadirkan layanan yang tidak hanya memenuhi not only meet customer expectations but also provide
ekspektasi nasabah, tetapi juga memberikan optimal convenience, comfort, and security. Through
kemudahan, kenyamanan, dan keamanan yang optimal. the utilization of the latest technology supported by
Melalui pemanfaatan teknologi terkini yang didukung the implementation of strict security procedures,
oleh penerapan prosedur keamanan yang ketat, Bank the Bank seeks to enhance customer trust without
berupaya meningkatkan kepercayaan nasabah tanpa compromising the quality of services provided.
mengurangi kualitas layanan yang diberikan.
Kepercayaan dan loyalitas nasabah merupakan aset Customer trust and loyalty are strategic assets for the
strategis bagi Bank dan hal tersebut dibangun melalui Bank and are built through a commitment to providing
komitmen untuk memberikan layanan yang setara, adil, equal, fair, and inclusive services to all customers.
dan inklusif kepada seluruh nasabah. Bank menyadari The Bank recognizes that each customer has diverse
bahwa setiap nasabah memiliki kebutuhan serta latar needs and backgrounds; therefore, every individual
belakang yang beragam, sehingga setiap individu is treated fairly without discrimination based on
diperlakukan secara adil tanpa diskriminasi atas religion, ethnicity, race, gender, or political views. This
dasar agama, suku, etnis, gender, maupun pandangan principle of equality serves as a fundamental basis in
politik. Prinsip kesetaraan tersebut menjadi landasan every interaction between the Bank and its customers,
utama dalam setiap interaksi Bank dengan nasabah, fostering mutual respect and trust. In addition, the
sekaligus menumbuhkan rasa saling menghormati Bank is also committed to providing inclusive services,
dan kepercayaan. Selain itu, Bank juga berkomitmen particularly for customers with special needs, including
untuk menyediakan layanan yang inklusif, khususnya persons with disabilities.
bagi nasabah dengan kebutuhan khusus, termasuk
penyandang disabilitas.
Bagi Bank, penerapan prinsip kesetaraan dalam For the Bank, the application of the principle of equality
pelayanan merupakan bagian yang tidak terpisahkan in service is an integral part of the implementation of
dari penerapan tata kelola perusahaan yang baik (Good Good Corporate Governance. Equal service not only
Corporate Governance). Kesetaraan layanan tidak reflects the Bank’s commitment to ethics and integrity
hanya mencerminkan komitmen Bank terhadap etika but also demonstrates compliance with applicable
dan integritas, tetapi juga menunjukkan kepatuhan laws and regulations. One of the key regulations that
terhadap peraturan perundang-undangan yang the Bank refers to is Financial Services Authority
berlaku. Salah satu regulasi yang menjadi acuan Bank (POJK) Regulation No. 22 of 2023 on Consumer and
adalah Peraturan Otoritas Jasa Keuangan (POJK) No. Public Protection in the Financial Services Sector.
22 Tahun 2023 tentang Perlindungan Konsumen dan Article 54 paragraph (2) of this regulation emphasizes
Masyarakat di Sektor Jasa Keuangan. Pasal 54 ayat the obligation of financial service providers, including
(2) peraturan tersebut menekankan kewajiban bagi banks, to provide equal access to services for every
penyelenggara jasa keuangan, termasuk Bank, untuk consumer in accordance with the applicable consumer
menyediakan akses layanan yang setara bagi setiap classification.
konsumen sesuai dengan klasifikasi konsumen yang
berlaku.
Sejalan dengan itu, Peraturan Bank Indonesia No. 3 In line with this, Bank Indonesia Regulation No. 3 of
Tahun 2023 tentang Perlindungan Konsumen Bank 2023 on Consumer Protection by Bank Indonesia,
Indonesia, Pasal 7 menegaskan bahwa salah satu Article 7, stipulates that one of the principles of
prinsip perlindungan konsumen adalah penerapan consumer protection is the application of equality and
kesetaraan dan perlakuan yang adil bagi seluruh fair treatment for all consumers. Furthermore, Article
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konsumen. Selanjutnya, Pasal 11 mengatur kewajiban 11 regulates the obligation of banks to provide equal
Bank untuk memberikan akses yang setara kepada access to every consumer and to treat consumers
setiap konsumen serta memperlakukan konsumen appropriately in accordance with applicable provisions,
secara benar sesuai dengan ketentuan yang berlaku, both in the provision of products and other banking
baik dalam penyediaan produk maupun layanan services.
perbankan lainnya.
Informasi Produk dan Layanan Information on Products and Services
Bank secara konsisten menjunjung tinggi hak The Bank consistently upholds customers’ rights to
nasabah untuk memperoleh informasi yang benar, obtain accurate, clear, and transparent information
jelas, dan transparan mengenai seluruh produk dan regarding all products and services offered. This
layanan yang ditawarkan. Komitmen ini mencakup commitment includes comprehensive disclosure
penyampaian informasi produk secara menyeluruh, of product information, including characteristics,
termasuk karakteristik, manfaat, risiko, serta benefits, risks, and product labeling provided to
pelabelan produk yang disampaikan kepada nasabah. customers. The Bank ensures that each customer has
Bank memastikan bahwa setiap nasabah memiliki an adequate understanding of the selected products,
pemahaman yang memadai atas produk yang dipilih enabling them to make informed decisions based on
sehingga mampu mengambil keputusan secara accurate and accountable information.
tepat berdasarkan informasi yang akurat dan dapat
dipertanggungjawabkan.
Pemenuhan hak atas informasi tersebut sejalan dengan The fulfillment of this right to information is in line with
Pasal 4 huruf c Undang-Undang No. 8 Tahun 1999 Article 4 letter c of Law No. 8 of 1999 on Consumer
tentang Perlindungan Konsumen yang menyatakan Protection, which stipulates that consumers are
bahwa konsumen berhak memperoleh informasi entitled to obtain accurate, clear, and honest
yang benar, jelas, dan jujur mengenai kondisi serta information regarding the condition and guarantees
jaminan barang dan/atau jasa yang diterima. Selain of goods and/or services received. In addition, Bank
itu, Peraturan Bank Indonesia No. 3 Tahun 2023 juga Indonesia Regulation No. 3 of 2023 also governs the
mengatur kewajiban Bank dalam menerapkan prinsip Bank’s obligation to apply the principles of openness
keterbukaan dan transparansi sebagaimana tercantum and transparency as stipulated in Article 17. [GRI 3-3]
dalam Pasal 17. [GRI 3-3]
Sebagai wujud komitmen dalam memenuhi hak nasabah As a manifestation of its commitment to fulfilling
atas informasi yang jelas dan benar, Bank menyediakan customers’ rights to clear and accurate information,
akses informasi produk dan layanan secara transparan, the Bank provides transparent, easy-to-understand,
mudah dipahami, dan mudah diakses. Sesuai dengan and easily accessible information on products and
ketentuan yang berlaku, informasi mengenai produk services. In accordance with applicable regulations,
dan layanan disampaikan secara tertulis di setiap information regarding products and services is
kantor cabang dengan tata letak yang jelas dan mudah presented in written form at each branch office with
dibaca oleh nasabah. Bank menyediakan informasi a clear layout that is easy for customers to read. The
karakteristik produk menggunakan jenis dan ukuran Bank provides information on product characteristics
huruf yang proporsional serta warna tulisan yang using proportional font types and sizes, as well as
kontras dengan latar belakang sehingga memudahkan text colors that contrast with the background, making
nasabah dalam membaca dan memahami informasi it easier for customers to read and understand the
tersebut. Penempatan informasi juga di lokasi yang information. The information is also placed in strategic
strategis dan mudah dibaca nasabah. Sejalan dengan locations that are easily visible to customers. In line
itu, apabila terdapat perubahan atas karakteristik with this, should there be any changes to product and
produk dan layanan, Bank mengomunikasikan hal service characteristics, the Bank communicates such
tersebut kepada nasabah secara terbuka dan tepat changes to customers openly and in a timely manner.
waktu. [GRI 417-1] [GRI 417-1]
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
Untuk mempermudah pelayanan serta meningkatkan To facilitate services and enhance customer access
akses nasabah terhadap informasi produk dan layanan, to information on products and services, the Bank
Bank secara aktif melakukan sosialisasi melalui berbagai actively conducts outreach through various media and
media dan program komunikasi. Upaya ini bertujuan communication programs. These efforts aim to ensure
untuk memastikan bahwa informasi yang disampaikan that the information delivered can be widely received,
dapat diterima secara luas, mudah diakses, dan easily accessed, and understood by customers.
dipahami oleh nasabah. Adapun media dan sarana The media and channels used include the following:
yang digunakan adalah sebagai berikut: [GRI 3-3] [GRI 3-3]
1. Media elektronik antara lain videotron, televisi, 1. Electronic media, including videotrons, television,
situs web resmi, media sosial, podcast, serta artikel the official website, social media, podcasts, and
daring; online articles;
2. Media cetak meliputi spanduk, banner, brosur, flyer, 2. Print media, including banners, billboards,
stiker, poster, majalah, umbul-umbul, surat kabar, brochures, flyers, stickers, posters, magazines,
dan billboard; pennants, newspapers, and billboards;
3. Media lainnya seperti pameran, kegiatan promosi, 3. Other media, such as exhibitions, promotional
dan kerja sama dengan berbagai lembaga. activities, and cooperation with various institutions.
Komitmen dan konsistensi Bank dalam menyediakan The Bank’s commitment and consistency in providing
informasi yang jelas, akurat, dan bertanggung jawab clear, accurate, and responsible information regarding
mengenai produk dan layanan senantiasa dijaga. products and services are continuously maintained.
Sepanjang tahun pelaporan, Bank secara berkala Throughout the reporting year, the Bank periodically
melakukan evaluasi serta penyempurnaan terhadap conducted evaluations and improvements to product
pelabelan dan informasi produk dan/atau jasa guna and/or service labeling and information to ensure
memastikan kesesuaiannya dengan ketentuan compliance with applicable laws and regulations.
peraturan perundang-undangan yang berlaku. Melalui Through these efforts, the Bank ensures that all
upaya tersebut, Bank memastikan bahwa seluruh information conveyed to customers, including
informasi yang disampaikan kepada nasabah, termasuk product characteristics, benefits, and inherent risks,
karakteristik produk, manfaat, serta risiko yang melekat, is presented transparently and in accordance with
telah disajikan secara transparan dan sesuai dengan regulations. As a result, in 2025 there were no incidents
regulasi. Dengan upaya demikian, pada tahun 2025 of non-compliance related to the Bank’s product and
tidak terjadi insiden ketidakpatuhan terkait informasi service information and labeling. [GRI 417-2] [GRI 2-27]
dan pelabelan produk dan jasa/layanan Bank. [GRI 417-2]
[GRI 2-27]
Komunikasi Pemasaran Marketing Communications
Di tengah persaingan industri perbankan yang Amid increasing competition in the banking industry,
semakin meningkat, Bank terus memperkuat strategi the Bank continues to strengthen its marketing
komunikasi pemasaran sebagai bagian dari upaya communication strategy as part of its efforts to
untuk menghadirkan produk dan layanan yang relevan deliver products and services that are relevant to
dengan kebutuhan nasabah. Komunikasi pemasaran customers’ needs. Effective marketing communication
yang efektif tidak hanya berfungsi sebagai sarana not only serves as a means of information delivery, but
penyampaian informasi, tetapi juga berperan penting also plays an important role in enhancing customer
dalam meningkatkan pemahaman dan kesadaran understanding and awareness of the value and benefits
nasabah terhadap nilai dan manfaat yang ditawarkan offered by the Bank.
oleh Bank.
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Dalam pelaksanaannya, Bank senantiasa mematuhi In its implementation, the Bank consistently complies
ketentuan hukum, etika, serta regulasi yang berlaku with applicable laws, ethical standards, and regulations
terkait periklanan, promosi, dan kegiatan sponsorship. related to advertising, promotion, and sponsorship
Bank juga berkomitmen untuk menerapkan praktik activities. The Bank is also committed to applying
pemasaran yang adil dan bertanggung jawab fair and responsible marketing practices, including
antara lain dengan menghindari penyampaian klaim avoiding exaggerated, misleading, or unsubstantiated
yang berlebihan, menyesatkan, atau tidak dapat claims. All marketing information is prepared in a
dipertanggungjawabkan. Seluruh informasi pemasaran clear, accurate, and timely manner, without exploiting
disusun secara jelas, akurat, dan tepat waktu, tanpa customers’ limited knowledge. Through this approach,
mengeksploitasi keterbatasan pengetahuan nasabah. the Bank seeks to build long-term, mutually beneficial
Dengan pendekatan tersebut, Bank berupaya relationships by providing banking solutions that are
membangun hubungan jangka panjang yang saling aligned with customers’ needs. [GRI 3-3]
menguntungkan melalui penyediaan solusi perbankan
yang sesuai dengan kebutuhan nasabah. [GRI 3-3]
Komitmen Bank dalam mematuhi etika serta ketentuan The Bank’s commitment to complying with ethical
peraturan perundang-undangan yang berlaku dalam standards and applicable laws and regulations in the
kegiatan pemasaran produk dan layanan membuahkan marketing of its products and services has yielded
hasil positif. Pada tahun pelaporan tidak tercatat positive results. During the reporting year, there were
adanya insiden ketidakpatuhan Bank terkait komunikasi no recorded incidents of non-compliance related to
pemasaran. [GRI 417-3] the Bank’s marketing communications. [GRI 417-3]
Inovasi Produk/Jasa [OJK F.26] Product/Service Innovation [OJK F.26]
Penguatan digitalisasi dilakukan setiap tahun untuk The Bank consistently strengthens its digital capabilities
memastikan layanan diberikan tetap aman, stabil, each year to ensure that its services remain secure,
dan sesuai dengan kebutuhan nasabah. Peran digital stable, and aligned with customers’ needs. Digital
menjadi wadah untuk memperkuat komitmen Bank initiatives serve as a platform to reinforce the Bank’s
dalam menjalankan kegiatan usaha yang selaras commitment to conducting business activities in line
dengan Kriteria Kegiatan Usaha Berkelanjutan (KKUB). with the Sustainable Business Activity Criteria (KKUB).
Berbagai produk dan inovasi telah diluncurkan Bank Various products and innovations have been launched
antara lain AGI Digital Apps, Internet Banking Bisnis, by the Bank, including AGI Digital Apps, Internet Banking
Application Programming Interface (API), serta sistem Business, Application Programming Interface (API), and
pembayaran QRIS. the QRIS payment system.
AGI sebagai layanan digital berbasis mobile banking AGI, the Bank’s mobile banking–based digital service,
milik Bank terus melakukan penguatan infrastruktur continues to enhance its infrastructure and service
serta layanan. Berbagai fitur baru yang dirancang capabilities. Various new features have been introduced
untuk meningkatkan penetrasi pengguna dan volume to increase user penetration and transaction volumes.
transaksi. Sejumlah fitur unggulan telah tersedia Key features currently available include online account
antara lain pembukaan rekening secara daring, fitur opening, QRIS without login, cardless withdrawal,
QRIS tanpa login, cardless withdrawal, push notifikasi transaction push notifications, and a wide range of
transaksi, serta beragam layanan pembayaran (biller), payment services (billers), such as mobile airtime and
mulai dari pulsa dan paket data, listrik, PDAM, serta data packages, electricity, water utility (PDAM), and
top up e-Wallet. Di tahun 2025 ini, AGI Digital Apps e-wallet top-ups. In fiscal year 2025, AGI Digital Apps
menambah fitur baru berupa layanan Deposito Online, introduced new features, namely Online Time Deposit
serta Tabungan Pintar (Tabungan Berjangka khusus services and Tabungan Pintar (a time-based savings
untuk nasabah yang ingin menabung dengan nominal product designed for customers who wish to save a
dan jangka waktu tertentu). Di sisi lain, terdapat fitur fixed amount over a specified period). In addition, the
e-Statement dimana nasabah dapat langsung melihat e-Statement feature enables customers to directly
mutasi rekening tanpa perlu datang kecabang untuk access their account statements without visiting a
pencetakan fisik statement rekening. branch for a printed copy.
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
Disamping itu, Bank juga membuka peluang yang In addition, the Bank continues to expand
luas untuk jaringan ritel sekaligus untuk memperkuat opportunities within the retail network while
kemitraan dengan berbagai jaringan merchant yang strengthening partnerships with merchant networks
tersebar di seluruh wilayah Indonesia. Hingga akhir across Indonesia. As of the end of December 2024,
Desember 2024, lebih dari 50 ribu merchant telah more than 50 thousand merchants had joined and
tergabung dan bekerjasama dengan Bank dimana partnered with the Bank, with this growth correlating
penambahan itu berkorelasi dengan peningkatan to increased transaction volumes throughout 2025.
transaksi dimana sepanjang tahun 2025. Bank juga The bank also implements various special activation
mengimplementasikan berbagai macam program programs for Retail Merchants through the Merchant
aktivasi khusus Merchant Ritel melalui Program Juara Program and the QRIS cashback program to
Merchant Juara serta program cashback QRIS guna encourage increased transactions from Merchants.
mendorong peningkatan transaksi dari Merchant. Hal These initiatives are aligned with supporting cashless
ini selaras dalam mendukung transaksi cashless serta transactions and promoting financial inclusion within
inklusi keuangan di masyarakat. the community.
Di sisi nasabah korporasi, Bank menyediakan layanan For corporate customers, the Bank provides Internet
Internet Banking Bisnis untuk memenuhi kebutuhan Banking Business services to support companies’
operasional perusahaan, mulai dari layanan transfer operational needs, including transfer services (BI-
(BI-FAST, SKN, RTGS, Overbooking), bulk transfer, FAST, SKN, RTGS, and Overbooking), bulk transfers,
payroll, serta virtual account. Di tahun 2025, IBB payroll, and virtual accounts. In 2025, Internet Banking
juga mengembangkan layanan e-Statement serta Business also developed e-Statement services and
penambahan fitur pengecekan transaksi merchant introduced an additional feature enabling corporate
QRIS khusus untuk merchant perusahaan yang merchants to monitor QRIS transactions in real time.
menginginkan monitioring realtime layanan QRIS.
Selain penguatan layanan yang telah ada, Bank juga In addition to strengthening existing services, the
membuka peluang bisnis baru melalui pengembangan Bank also opens new business opportunities through
kerja sama dengan mitra berbasis digital melalui the development of partnerships with digital-based
layanan Application Programming Interface (API). partners via Application Programming Interface (API)
Pengembangan layanan API bertujuan untuk services. The development of API services aims to
mendukung kebutuhan kerja sama business-to- support business-to-business (B2B) collaboration
business (B2B), sekaligus mendorong terbentuknya needs while encouraging the formation of an integrated
ekosistem digital yang terintegrasi dan responsif and market-responsive digital ecosystem. The Bank
terhadap kebutuhan pasar. Bank memfasilitasi facilitates partnerships with various parties, including
kemitraan dengan berbagai pihak, baik mitra bisnis strategic business partners in the payment systems
strategis di sektor sistem pembayaran maupun pelaku sector as well as participants within the commodities
dalam ekosistem komoditas. Salah satu fokus utama ecosystem. One of the main focus areas in the
dalam pengembangan kerja sama tersebut adalah development of such cooperation is the commodities
sektor komoditas. Selain itu, Bank juga menjalin kerja sector. Furthermore, the Bank also collaborates
sama dengan berbagai pihak dalam ekosistem pasar with various parties within the commodities market
komoditas sejalan dengan perannya sebagai Bank ecosystem in line with its role as a Margin Fund
Penyimpan Dana Margin yang telah memperoleh Depository Bank that has obtained the necessary
izin sesuai ketentuan yang berlaku. Di Tahun 2025 licenses in accordance with applicable regulations. In
Bank telah mendapatkan perijinan prinsip untuk 2025, the Bank obtained principle approval to conduct
menyelenggarakan kegiatan transaksi Derivatif Efek, Securities Derivatives transactions, Money Market
Penyelenggaraan Pasar Uang & Valuta Asing (PUVA), and Foreign Exchange (PUVA) activities, as well as
serta Penyimpanan Dana Konsumen. Consumer Fund Custody services.
Seiring dengan pengembangan produk dan layanan Alongside the development of innovative products
inovatif, Bank secara konsisten memperkuat and services, the Bank consistently strengthens its
infrastruktur serta keamanan teknologi informasi guna infrastructure and information technology security to
memastikan setiap transaksi nasabah berlangsung ensure that every customer transaction is conducted
secara aman, andal, dan efisien. Dalam menghadapi securely, reliably, and efficiently. In anticipation of
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peningkatan volume transaksi, khususnya pada sistem increasing transaction volumes, particularly in digital
pembayaran digital, Bank terus meningkatkan kapasitas payment systems, the Bank continues to enhance
dan keandalan sistem untuk menjaga kelancaran system capacity and reliability to maintain service
layanan serta meminimalkan potensi gangguan continuity and minimize potential operational
operasional. disruptions.
Menjawab tantangan digitalisasi yang semakin pesat, In response to increasingly rapid digitalization
Bank terus berkomitmen untuk beradaptasi terhadap challenges, the Bank remains committed to adapting
perubahan praktik bisnis yang dinamis dengan tetap to dynamic business practices while continuing to
mengedepankan aspek keamanan teknologi informasi. prioritize information technology security. As part
Sebagai bagian dari langkah strategis tersebut, Bank of these strategic efforts, the Bank has gradually
secara bertahap menerapkan sistem Active Directory implemented an Active Directory (AD) system across
(AD) di seluruh jaringan komputer kantor. Penerapan its entire office computer network. This system
sistem ini memungkinkan pengelolaan dan pemantauan enables centralized management and monitoring
terpusat atas akses pengguna terhadap aplikasi, sistem of user access to applications, operating systems,
operasi, antivirus, serta berbagai perangkat lunak antivirus software, and various other software, thereby
lainnya sehingga meningkatkan kontrol dan keamanan enhancing overall system control and security.
sistem secara menyeluruh.
Bank menyadari bahwa keamanan informasi merupakan The Bank recognizes that information security is a highly
aspek yang sangat krusial mengingat potensi critical aspect, given the potential risks of data theft,
risiko pencurian, kehilangan, penyalahgunaan data, loss, misuse, or unauthorized disclosure of sensitive
maupun pengungkapan informasi sensitif yang dapat information that could adversely affect the Bank’s
berdampak pada reputasi dan kinerja keuangan Bank. reputation and financial performance. To mitigate
Untuk memitigasi risiko tersebut, Bank secara rutin these risks, the Bank routinely and continuously
dan berkelanjutan melaksanakan program peningkatan implements information security awareness programs
kesadaran keamanan informasi (security awareness) across all office networks. These programs aim to foster
di seluruh jaringan kantor. Program ini bertujuan untuk awareness and vigilance among all Bank personnel
menumbuhkan pemahaman dan kepedulian seluruh regarding the importance of maintaining information
insan Bank terhadap pentingnya menjaga keamanan security at every level of the organization.
informasi di setiap level organisasi.
Pendekatan yang diterapkan Bank dalam meningkatkan The Bank’s approach to enhancing information security
kesadaran keamanan informasi dilakukan melalui awareness is implemented through regular training
penyelenggaraan sesi pelatihan dan pembelajaran sessions and online learning delivered periodically to
daring yang disampaikan secara berkala kepada all employees via email blasts. The materials cover
seluruh karyawan melalui email blast. Materi yang various topics, including data security protection,
disampaikan mencakup berbagai topik antara lain obligations to maintain the confidentiality of customer
perlindungan keamanan data, kewajiban menjaga data in accordance with regulatory requirements,
kerahasiaan data nasabah sesuai dengan ketentuan developments and trends in cyberattacks, and secure
regulasi, perkembangan dan tren serangan siber terkini, practices in conducting online transactions.
serta praktik keamanan dalam melakukan transaksi
secara daring.
Untuk perbaikan berkelanjutan serta peningkatan For continuous improvement and the enhancement
ketahanan dan keandalan sistem keamanan, Bank of system resilience and security reliability, the Bank
mengambil langkah proaktif dengan menerapkan has taken proactive steps by implementing a Security
Security Operation Center (SOC) yang beroperasi Operation Center (SOC) that operates 24 hours a day,
selama 24 jam sehari, 7 hari seminggu. SOC tersebut 7 days a week. The SOC is equipped with capabilities
memiliki kapabilitas untuk melakukan pemantauan, to monitor, detect, and respond to cyber threats and
deteksi, serta penanganan ancaman dan serangan siber attacks in real time. In addition, the Bank has obtained
secara real-time. Selain itu, Bank juga telah memperoleh ISO 27001 certification as an international standard
204 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
sertifikasi ISO 27001 sebagai standar internasional for information security management systems.
dalam pengelolaan sistem manajemen keamanan This certification affirms the Bank’s commitment to
informasi. Sertifikasi ini menegaskan komitmen Bank ensuring that the detection, response, and mitigation
dalam memastikan bahwa proses deteksi, respons, of information security incidents are carried out in
dan mitigasi insiden keamanan informasi dilaksanakan accordance with internationally recognized guidelines
sesuai dengan pedoman dan prosedur yang diakui and procedures.
secara internasional.
Di sisi lain, Bank juga menaruh perhatian besar On the other hand, the Bank also places significant
pada pengelolaan data yang efisien dan efektif. emphasis on efficient and effective data management.
Bank menyadari bahwa manajemen data yang The Bank recognizes that sound data management
baik merupakan faktor penting dalam mendukung is a critical factor in supporting smooth operations,
kelancaran operasional, peningkatan kualitas layanan, improving service quality, and enabling accurate data-
serta pengambilan keputusan berbasis data yang driven decision-making. One of the strategic initiatives
akurat. Salah satu langkah strategis yang dilakukan undertaken is the implementation of monitoring and
adalah penerapan perangkat pemantauan dan analisis metric analytics tools, which allow the Bank to monitor
metrik, yang memungkinkan Bank memantau dan and analyze various data indicators in real time,
menganalisis berbagai indikator data secara real-time, including data volumes, data quality, and overall data
termasuk volume data, kualitas data, serta kinerja management system performance.
sistem manajemen data secara keseluruhan.
Dalam upaya mendukung operasional yang lebih efisien To support more efficient operations and strengthen
dan memperkuat pengambilan keputusan berbasis data-driven decision-making, the Bank continues to
data, Bank terus melakukan inovasi melalui otomasi innovate through data transformation automation. This
transformasi data. Proses ini mencakup pengolahan process includes the processing of raw data originating
data mentah yang berasal dari berbagai aplikasi dan from various applications and sources into structured
sumber menjadi data terstruktur yang siap digunakan data that is ready for reporting and analysis purposes.
untuk kebutuhan pelaporan dan analisis. Melalui Through such automation, the Bank is able to integrate
otomasi tersebut, Bank dapat mengintegrasikan dan and convert dispersed data into information that is
mengonversi data yang tersebar menjadi informasi yang easier to understand, analyze, and utilize to generate
lebih mudah dipahami, dianalisis, serta dimanfaatkan valuable insights.
untuk menghasilkan wawasan yang bernilai.
Selain itu, guna meningkatkan efisiensi penyimpanan Furthermore, to enhance storage efficiency and ease
dan kemudahan akses data, Bank mengembangkan of data access, the Bank has developed an online file
aplikasi penyimpanan file daring yang terintegrasi storage application integrated with object storage–
dengan teknologi file sharing berbasis object storage. based file sharing technology. This technology enables
Teknologi ini memungkinkan pengelolaan penyimpanan more efficient, secure, and centralized data storage
data yang lebih efisien, aman, dan terpusat, serta management, while supporting flexible file access from
mendukung akses file secara fleksibel dari berbagai various locations and devices.
lokasi dan perangkat.
Di tahun 2025, Bank melakukan penguatan sistem In 2025, the Bank strengthened its core system by
core dengan melakukan upgrade core banking serta upgrading its core banking platform and implementing
penambahan digital core system guna efisiensi kinerja an additional digital core system to enhance the
core banking utama. Hal ini dilakukan guna menjaga dan efficiency of its main core banking operations. This
memperkuat serta mempercepat processing transaksi. initiative was undertaken to maintain, reinforce, and
Impact dari layanan ini, Bank dapat menerima transaksi accelerate transaction processing. As a result, the Bank
high volume. Selain itu, Bank juga memperkuat layanan is now capable of handling high-volume transactions.
Fraud Detection System untuk memantau transaksi In addition, the Bank enhanced its Fraud Detection
secara realtime dimana dibentuk tim khusus untuk System to enable real-time transaction monitoring,
melakukan pemantauan dan monitoring transaksi. supported by a dedicated team established specifically
to oversee and monitor transaction activities.
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Di luar pengembangan produk, Bank secara Beyond product development, the Bank consistently
konsisten melakukan inovasi melalui pemanfaatan pursues innovation through the utilization of Artificial
teknologi kecerdasan buatan (Artificial Intelligence/ Intelligence (AI) technology to improve operational
AI) guna meningkatkan efisiensi operasional serta efficiency and deliver smarter and more relevant
menghadirkan layanan yang lebih cerdas dan relevan services to customers. One initiative that has been
bagi nasabah. Salah satu inisiatif yang telah diterapkan implemented is AI-based semantic search, which
adalah AI-based semantic search yang memungkinkan enables users to obtain information more quickly and
pengguna memperoleh informasi secara lebih cepat accurately through the presentation of summaries
dan akurat melalui penyajian ringkasan dari berbagai from various source documents. This AI-based
dokumen sumber. Fitur semantic search berbasis AI ini semantic search feature leverages artificial intelligence
memanfaatkan kemampuan kecerdasan buatan untuk capabilities to understand the context and meaning of
memahami konteks dan makna dari kata-kata yang ada words within documents, rather than merely matching
dalam dokumen, bukan hanya sekedar mencocokkan keywords. As a result, the technology is able to
kata kunci. Dengan demikian, teknologi ini dapat generate more relevant summaries in accordance with
menghasilkan ringkasan yang lebih relevan sesuai user needs.
dengan kebutuhan pengguna.
Sejalan dengan itu, Bank terus melakukan pemutakhiran In line with this, the Bank continues to upgrade its Data
Data Warehouse dengan memanfaatkan teknologi Warehouse by utilizing Big Data technology to manage
Big Data untuk mengelola dan menganalisis data and analyze large volumes of data more effectively
dalam jumlah besar secara lebih efektif dan efisien. and efficiently. The use of this technology enables
Pemanfaatan teknologi ini memungkinkan proses faster and real-time distribution of information across
distribusi informasi ke seluruh unit kerja dilakukan all business units, thereby supporting more accurate
secara lebih cepat dan real-time sehingga mendukung decision-making. The Bank has also developed a
pengambilan keputusan yang lebih tepat. Bank juga superset-based monitoring dashboard that presents
telah mengembangkan dashboard monitoring berbasis real-time growth charts across all business sectors,
superset yang menyajikan grafik pertumbuhan seluruh serving as a basis for formulating appropriate
sektor usaha secara real-time sebagai dasar dalam strategies to drive business growth.
perumusan strategi yang tepat untuk mendorong
pertumbuhan bisnis.
Seluruh inovasi dan pengembangan di bidang All innovations and developments in the field of data
manajemen data tersebut diarahkan untuk management are directed toward improving the quality,
meningkatkan kualitas, efisiensi, dan efektivitas efficiency, and effectiveness of data management
pengelolaan data di lingkungan Bank. Melalui penerapan within the Bank. Through the implementation of Big
teknologi Big Data, AI-based semantic search, serta Data technology, AI-based semantic search, and
pemutakhiran Data Warehouse, Bank semakin mampu continuous enhancement of the Data Warehouse, the
mengelola data yang besar dan beragam secara lebih Bank is increasingly capable of managing large and
terstruktur, andal, dan berkelanjutan. diverse data sets in a more structured, reliable, and
sustainable manner.
Produk yang telah Dievaluasi Keamanannya Products Evaluated for Customer Safety
Bagi Nasabah [OJK F.27] [OJK F.27]
Bank berkomitmen untuk mematuhi semua regulasi yang The Bank is committed to complying with all applicable
berlaku di industri perbankan dalam menjalankan usaha, regulations in the banking industry in conducting its business,
termasuk regulasi dalam menawarkan produk dan jasa kepada including regulations governing the offering of products
nasabah. Dalam prosesnya, semua produk dan jasa yang and services to customers. In this process, all products
ditawarkan Bank telah memenuhi semua persyaratan dan and services offered by the Bank have fulfilled the required
mendapatkan persetujuan dari Otoritas Jasa Keuangan criteria and obtained approval from the Financial Services
sehingga telah teruji keamanannya bagi nasabah. Di samping Authority (OJK), thereby having been tested and deemed
itu Bank telah menerapkan POJK No. 22 Tahun 2023 tentang safe for customers. In addition, the Bank has implemented
206 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
Perlindungan Konsumen dan Masyarakat di Sektor Jasa POJK No. 22 Tahun 2023 on Consumer and Public Protection
Keuangan. Penerapannya dituangkan secara rinci melalui in the Financial Services Sector. This implementation is
peraturan internal yaitu Pedoman Akuntansi dan Prosedur further elaborated through internal regulations, namely
(PAP) No. 180101.02.0 yang mengatur tentang perlindungan Accounting Guidelines and Procedure (PAP) No. 180101.02.0
konsumen dan masyarakat, serta SEO 203.02.0 tentang concerning consumer and public protection, as well as
Sistem Informasi Pelaporan Edukasi dan Perlindungan SEO 203.02.0 on the Consumer Education and Protection
Konsumen (SIPEDULI). Reporting Information System (SIPEDULI).
Berbagai upaya di atas menegaskan bahwa Bank tidak The various efforts undertaken underscore that the Bank not
hanya berfokus pada penyediaan produk dan layanan, only focuses on the provision of products and services, but
tetapi juga secara konsisten mengedepankan kepentingan also consistently prioritizes customer interests and safety
serta keamanan nasabah dalam seluruh aspek operasional. across all operational aspects. The Bank’s commitment to
Komitmen Bank dalam melindungi nasabah juga tercermin customer protection is further reflected in its readiness to
dari kesiapannya untuk mematuhi regulasi terkini, termasuk comply with the latest regulations, including Bank Indonesia
Peraturan Bank Indonesia Nomor 3 Tahun 2023 tentang Regulation No. 3 of 2023 on Consumer Protection by Bank
Perlindungan Konsumen Bank Indonesia. Indonesia.
Lebih lanjut, dalam upaya meminimalkan potensi kerugian Furthermore, in an effort to minimize potential losses and
serta memastikan nasabah dapat mengambil keputusan ensure that customers are able to make informed decisions,
secara tepat, Bank berkomitmen untuk secara berkelanjutan the Bank is committed to continuously providing transparent
menyampaikan informasi yang transparan mengenai information regarding all risks inherent in the products and
seluruh risiko yang melekat pada produk dan jasa yang services offered. In addition, to ensure that customers have
ditawarkan. Selain itu, guna memastikan nasabah memiliki accurate and comprehensive understanding, the Bank
pemahaman yang akurat dan komprehensif, Bank secara aktif actively conducts financial literacy and inclusion activities.
menyelenggarakan kegiatan literasi dan inklusi keuangan. Through enhanced understanding of product and service
Melalui peningkatan pemahaman atas karakteristik produk characteristics along with their associated risks, customers
dan layanan beserta risikonya, nasabah diharapkan mampu are expected to make choices aligned with their financial
menentukan pilihan yang selaras dengan kebutuhan keuangan needs, reduce potential losses, and manage risks more
mereka, mengurangi potensi kerugian, serta mengelola risiko prudently.
secara lebih bijaksana.
Dampak Produk/Jasa [OJK F.28] Product/Service Impacts [OJK F.28]
Sebagai wujud komitmen dalam memberikan layanan terbaik As a manifestation of its commitment to providing the
kepada nasabah sekaligus menjaga keberlanjutan usaha, Bank best services to customers while maintaining business
telah melaksanakan penilaian menyeluruh terhadap seluruh sustainability, the Bank has conducted a comprehensive
produk dan jasa yang ditawarkan. Penilaian tersebut tidak assessment of all products and services offered. This
hanya menitikberatkan pada manfaat dan kualitas produk, assessment not only focuses on product benefits and quality,
tetapi juga mencakup analisis risiko secara komprehensif. but also includes a thorough risk analysis. Through clear
Melalui klasifikasi produk yang jelas serta proses tinjauan product classification and a robust risk review process, the
risiko yang matang, Bank memastikan setiap produk telah Bank ensures that each product complies with prudential
memenuhi prinsip kehati-hatian dan standar kualitas yang principles and high quality standards.
tinggi.
Dalam mendukung tujuan keuangan berkelanjutan, Bank In supporting sustainable finance objectives, the Bank also
juga mengacu pada Kriteria Kegiatan Usaha Berkelanjutan refers to the Sustainable Business Activity Criteria (KKUB)
(KKUB) sebagaimana diatur dalam Peraturan Otoritas Jasa as stipulated in the Financial Services Authority (POJK)
Keuangan (POJK) tentang Keuangan Berkelanjutan. Dengan regulations on Sustainable Finance. Accordingly, the Bank is
demikian, Bank tidak hanya berorientasi pada pencapaian not solely oriented toward achieving financial performance,
kinerja finansial, tetapi juga memperhatikan dampak sosial but also takes into account the social and environmental
dan lingkungan dari kegiatan usahanya. Dalam penyaluran impacts of its business activities. In the distribution of
dana, prinsip kehati-hatian senantiasa diterapkan guna funds, prudential principles are consistently applied to avoid
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 207
Page 208
menghindari potensi risiko yang dapat merugikan masyarakat potential risks that could be detrimental to society and the
dan lingkungan. Sebagai hasilnya, sepanjang tahun 2025, environment. As a result, throughout 2025, the Bank ensured
Bank memastikan tidak terdapat produk maupun jasa yang that none of its products or services caused negative impacts
menimbulkan dampak negatif terhadap masyarakat maupun on society or the environment.
lingkungan.
Jumlah Produk/Jasa yang Ditarik Number of Products/Services Recalled
Kembali [OJK F.29] [OJK F.29]
Selama tahun 2025, tidak ada produk/jasa Bank yang Throughout 2025, there were no Bank products or
ditarik kembali dengan alasan apapun. services withdrawn or recalled.
Kerahasiaan Nasabah [418-1] Customer Confidentiality [418-1]
Kerahasiaan data nasabah merupakan hak fundamental The confidentiality of customer data is a fundamental
yang wajib dijaga oleh setiap Bank. Untuk mempertahankan right that must be safeguarded by every bank. To maintain
kepercayaan nasabah, sekaligus memenuhi kewajiban customer trust while fulfilling legal obligations, the Bank
hukum, Bank memastikan bahwa pemanfaatan data dan/ ensures that the use of customer data and/or information is
atau informasi nasabah dilakukan secara terbatas dan hanya limited and carried out strictly in accordance with applicable
sesuai dengan ketentuan peraturan perundang-undangan laws and regulations. This measure aims to ensure that all
yang berlaku. Langkah ini bertujuan untuk menjamin bahwa information provided by customers remains protected and
seluruh informasi yang disampaikan nasabah tetap terlindungi is used solely for legitimate purposes.
serta digunakan semata-mata untuk kepentingan yang sah.
Kepercayaan nasabah sangat ditentukan oleh kemampuan Customer trust is highly dependent on the Bank’s ability to
Bank dalam mengelola dan melindungi informasi pribadi manage and protect their personal information. Therefore,
mereka. Oleh karena itu, Bank senantiasa mematuhi ketentuan the Bank consistently complies with the provisions of Law
dalam Undang-Undang Republik Indonesia No. 27 Tahun of the Republic of Indonesia No. 27 of 2022 on Personal Data
2022 tentang Perlindungan Data Pribadi, serta Surat Edaran Protection, as well as Financial Services Authority (OJK)
Otoritas Jasa Keuangan (OJK) No. 14/SEOJK.07/2014 tentang Circular Letter No. 14/SEOJK.07/2014 on the Confidentiality
Kerahasiaan dan Keamanan Data dan/atau Informasi Pribadi and Security of Consumer Personal Data and/or Information,
Konsumen, yang mengatur kewajiban Bank dalam menjaga which regulate the Bank’s obligations in maintaining the
kerahasiaan dan keamanan data nasabah. confidentiality and security of customer data.
Sebagai bagian dari upaya menjaga transparansi penggunaan As part of its commitment to transparency in the use of
data pribadi, Bank menegaskan bahwa data nasabah tidak personal data, the Bank affirms that customer data will not
akan disebarluaskan kepada pihak lain tanpa adanya be disclosed to any third party without the customer’s prior
persetujuan tertulis dari nasabah. Persetujuan tersebut written consent. Such consent must be provided clearly and
harus diberikan secara jelas dan sah, baik dalam bentuk validly, either in the form of a written statement or a signature
pernyataan tertulis maupun tanda tangan pada formulir on a consent form provided by the Bank.
persetujuan yang disediakan oleh Bank.
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
Konsistensi dan komitmen Bank dalam menjaga kerahasiaan The Bank’s consistency and commitment in safeguarding
data nasabah menjadi pencapaian yang mendapat apresiasi customer data confidentiality have been recognized by both
dari nasabah maupun regulator. Sepanjang periode pelaporan, customers and regulators. Throughout the reporting period, the
Bank tidak menerima pengaduan nasabah atau mendapat Bank did not receive any customer complaints or regulatory
sanksi dari regulator terkait pelanggaran kerahasiaan data. sanctions related to breaches of data confidentiality. In
Selain itu, juga tidak terdapat laporan kebocoran, pencurian, addition, there were no reports of data leakage, theft, or
maupun kehilangan data nasabah. Dengan menjaga keamanan loss of customer data. By consistently maintaining data
data secara konsisten, Bank tidak hanya memenuhi kewajiban security, the Bank not only fulfills regulatory obligations, but
regulasi, tetapi juga memperkuat kepercayaan nasabah, also strengthens customer trust, which ultimately supports
yang pada akhirnya mendukung keberlanjutan usaha serta business sustainability and the Bank’s positive reputation in
reputasi positif Bank di industri perbankan. [FN-CB-230a.1] the banking industry. [FN-CB-230a.1] [FN-CB-230a.2] [GRI 2-27, 418-1]
[FN-CB-230a.2] [GRI 2-27, 418-1]
Sarana Pengaduan Nasabah [OJK F.24] Customer Complaint Channels [OJK F.24]
Dalam upaya memberikan layanan terbaik kepada nasabah, In its efforts to provide the best services to customers, the
Bank secara berkelanjutan mengembangkan berbagai program Bank continuously develops various programs and policies
dan kebijakan yang dirancang untuk memenuhi kebutuhan designed to meet customer needs and expectations. One of
serta ekspektasi nasabah. Salah satu langkah yang dilakukan the initiatives undertaken is the provision of easily accessible
adalah menyediakan sarana yang mudah diakses bagi nasabah facilities for customers to obtain information on the products
untuk memperoleh informasi mengenai produk dan layanan and services offered. In line with this, the Bank also provides
yang ditawarkan. Seiring dengan itu, Bank juga menyediakan clear, open, and transparent complaint channels to enable
saluran pengaduan yang jelas, terbuka, dan transparan agar customers to submit complaints regarding products or
nasabah dapat menyampaikan keluhan atas produk maupun services they perceive as unsatisfactory. Complaint handling
layanan yang dirasakan kurang memuaskan. Pengelolaan is not only focused on resolving issues, but also serves as an
pengaduan tidak hanya difokuskan pada penyelesaian important part of building and maintaining customer trust.
permasalahan, tetapi juga menjadi bagian penting dalam Therefore, the Bank regularly evaluates every suggestion,
membangun dan menjaga kepercayaan nasabah. Oleh karena feedback, criticism, and complaint received through its
itu, Bank secara rutin melakukan evaluasi atas setiap saran, customer complaint channels.
masukan, kritik, maupun pengaduan yang diterima melalui
sarana pengaduan nasabah.
Adapun sarana pengaduan nasabah yang disediakan Bank The customer complaint channels provided by the Bank
adalah sebagai berikut: are as follows:
1. Graha Call pada nomor 0800-191-8880; 24/7 1. Graha Call at 0800-191-8880; available 24/7
2. Graha Chat pada nomor 0811-191-88880; 2. Graha Chat at 0811-191-88880;
3. Direct Message melalui Social Media (Instagram, X, & 3. Direct messages via social media (Instagram, X, and
Facebook); Facebook);
4. www.arthagraha.com (website); 4. www.arthagraha.com (website);
5. agicustomercare@ag.co.id (email); dan 5. agicustomercare@ag.co.id (email); and
6. Kunjungan ke kantor cabang. 6. Visits to branch offices.
Bagi Nasabah yang ingin menyampaikan keluhan atau For customers who wish to submit complaints or grievances,
pengaduan, Bank menyediakan sarana yang mudah diakses the Bank provides easily accessible channels and ensures
serta menjamin kenyamanan dan keamanan dalam proses comfort and security throughout the complaint submission
penyampaian pengaduan: process:
1. Nasabah dapat memilih touch point yang di inginkan; 1. Customers may choose their preferred touch point;
2. Bank menetapkan service level sesuai jenis pengaduan
nasabah; dan 2. The Bank establishes service levels based on the type
3. Untuk memastikan seluruh pengaduan nasabah ditangani of customer complaint; and
dan diselesaikan maka monitoring-nya dilakukan dalam 3. To ensure that all customer complaints are handled
1 (satu) dashboard. and resolved, monitoring is conducted through a single
integrated dashboard.
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1 2 3 4 5
0811-191-88880
@teman.agi Kantor Cabang
0800-191-8880 agicustomercare@ag.co.id CRM & Ticketing
@temanagi Branch Office
Teman agi
Keterangan | Notes:
1. Nasabah melaporkan pengaduan melalui Customer Touch Point (Cabang/Email/Website/Graha Call 24 Jam/Graha Chat/Social Media IG/X/Facebook) Bank Artha
Graha Internasional;
2. Laporan pengaduan nasabah diterima oleh layanan Customer Care Bank Artha Graha Internasional;
3. Layanan Customer Care menyampaikan laporan pengaduan kepada bagian terkait untuk dilakukan tindak lanjut dan penyelesaian atas laporan pengaduan
nasabah;
4. Hasil penyelesaian pengaduan disampaikan kepada Unit Customer Care; dan
5. Unit Customer Care menyampaikan hasil penyelesaian laporan pengaduan kepada cabang/nasabah melalui telepon/email.
1. Customers submit complaints through the Customer Touch Points (Branch/Email/Website/24-hour Graha Call/Graha Chat/Social Media – Instagram/X/
Facebook) of Bank Artha Graha Internasional;
2. Customer complaints are received by the Customer Care service of Bank Artha Graha Internasional;
3. Customer Care forwards the complaint report to the relevant unit for follow-up and resolution;
4. The results of the complaint resolution are conveyed to the Customer Care Unit; and
5. The Customer Care Unit communicates the resolution results to the branch/customer via telephone or email.
Tabel Jumlah Pengaduan Nasabah
Number of Customer Complaints
Keterangan 2025 2024 2023
Description
Keluhan Nasabah
3.175 4.160 5.597
Customer Complaints
Dalam Proses Penyelesaian
- - -
In the Resolution Process
Keluhan Terselesaikan
3.175 4.160 5.597
Complaint Resolved
% Penyelesaian
100 100 100
% Completion
Mengingat kepuasan dan kepercayaan nasabah merupakan Recognizing that customer satisfaction and trust are critical
aspek yang sangat penting, setiap pengaduan yang diterima aspects, every complaint received is viewed as an opportunity
dipandang sebagai kesempatan untuk meningkatkan kualitas to improve service quality while strengthening relationships
layanan sekaligus memperkuat hubungan dengan nasabah. with customers. Accordingly, the Bank consistently follows
Oleh karena itu, Bank senantiasa menindaklanjuti setiap up on every complaint in a serious and responsible manner.
pengaduan secara serius dan bertanggung jawab.
Berdasarkan data pada tabel di atas, sepanjang tahun 2025 Based on the data in the table above, throughout 2025 a total
tercatat sebanyak 3.175 pengaduan nasabah, menurun of 3,175 customer complaints were recorded, representing
dibandingkan tahun 2024 yang mencapai 4.160 pengaduan. an decrease compared to 2024, which recorded 4,160
Seluruh pengaduan tersebut atau 100%, telah berhasil complaints. All of these complaints, or 100%, were successfully
diselesaikan. Ditinjau dari jenis pengaduan, tiga kategori resolved. Based on the type of complaint, the three most
terbanyak berkaitan dengan pembelian pulsa dan top up frequent categories were failed mobile banking transactions
210 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Menjaga Kepercayaan dengan
Memberikan Layanan Terbaik
Maintaining Trust by Providing the Best Service
e-wallet melalui mobile banking gagal (27%), disusul tarik for mobile airtime purchases and e-wallet top-ups (27%),
tunai gagal sebesar (20%) dan transaksi transfer BI Fast followed by failed cash withdrawals (20%), and failed BI-FAST
melalui mobile banking gagal sebesar (11%). transfer transactions via mobile banking (11%).
Tabel Pengaduan Nasabah Tahun 2025
Customer Complaints in 2025
Status Penyelesaian
Completion Status
Bulan Jumlah Pengaduan
No. Month Number of Complaints
Dalam Proses Selesai
In progress Resolved
Januari
1 379 - 379
January
Februari
2 535 - 535
February
Maret
3 711 - 711
March
April
4 161 - 161
April
Mei
5 184 - 184
May
Juni
6 158 - 158
June
Juli
7 145 - 145
July
Agustus
8 141 - 141
August
September
9 388 - 388
September
Oktober
10 114 - 114
October
November
11 121 - 121
November
Desember
12 138 - 138
December
Total
3.175 - 3.175
Total
Dalam menangani setiap pengaduan yang diterima, Bank In handling every complaint received, the Bank consistently
senantiasa menjunjung tinggi perlindungan privasi nasabah upholds the protection of customer privacy as a non-
sebagai prinsip yang tidak dapat ditawar. Dengan jaminan negotiable principle. With this assurance, customers can
tersebut, nasabah dapat menyampaikan keluhan atau submit complaints or grievances without concern should any
pengaduan tanpa rasa khawatir apabila terdapat layanan Bank services be perceived as unsatisfactory or disappointing.
Bank yang dinilai kurang memuaskan atau mengecewakan.
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Survei Kepuasan Nasabah [OJK F.30] Customer Satisfaction Survey [OJK F.30]
Kepuasan nasabah merupakan salah satu sasaran Customer satisfaction is one of the primary objectives
utama dari seluruh layanan yang diselenggarakan oleh of all services provided by the Bank. An optimal level of
Bank. Tingkat kepuasan yang optimal akan memperkuat satisfaction strengthens customer trust, which in turn
kepercayaan nasabah, yang pada akhirnya berkontribusi contributes significantly to building and maintaining
signifikan dalam membangun dan menjaga citra serta the Bank’s image and reputation amid increasingly
reputasi Bank di tengah persaingan pasar yang semakin intense market competition, both at the national and
ketat, baik di tingkat nasional maupun internasional. international levels.
Salah satu metode yang efektif untuk mengukur dan One effective method to measure and understand this
memahami tingkat kepuasan tersebut adalah melalui level of satisfaction is through the regular conduct of
pelaksanaan survei kepuasan nasabah secara berkala. customer satisfaction surveys. Through these surveys,
Melalui survei ini, Bank dapat mengidentifikasi berbagai the Bank is able to identify various aspects evaluated
aspek yang dinilai oleh nasabah, mulai dari kualitas by customers, ranging from product quality and service
produk, kemudahan layanan, hingga kenyamanan convenience to transaction comfort. In addition,
dalam bertransaksi. Selain itu, survei kepuasan juga customer satisfaction surveys provide a platform
memberikan ruang bagi nasabah untuk menyampaikan for customers to share feedback, which serves as a
umpan balik yang menjadi dasar bagi Bank dalam basis for the Bank to implement continuous service
melakukan perbaikan dan peningkatan layanan secara improvements and enhancements.
berkelanjutan.
Tabel Hasil Survei Kepuasan NasabahTahun 2023-2025
Customer Satisfaction Survey Results 2023-2025
Tahun Survei Kepuasan Nasabah
Year Customer Satisfaction Survey
2025 86,85%
2024 86,81%
2023 86,70%
Berdasarkan hasil survei di atas, tingkat kepuasan Based on the survey results above, the level of
nasabah pada tahun 2025 tercatat mengalami customer satisfaction in 2025 recorded an increase
peningkatan dibandingkan dengan tahun 2024. Bagi compared to 2024. For the Bank, this reflects its
Bank, hal tersebut menunjukkan bahwa Bank senantiasa continuous commitment to enhancing the quality of
terus berupaya meningkatkan pelayanan terhadap services provided to customers.
nasabah.
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Menjaga Kepercayaan dengan
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Maintaining Trust by Providing the Best Service
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10 Mewujudkan Komitmen Lingkungan untuk Keberlanjutan Realizing Environmental Commitment for Sustainability
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11
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Upaya Melestarikan Lingkungan
Environmental Preservation Efforts
Operasional keseharian industri perbankan tidak The day-to-day operations of the banking industry
berdampak langsung terhadap lingkungan. Namun do not have a direct impact on the environment.
demikian, sebagai lembaga intermediasi, bank memiliki However, as financial intermediaries, banks play a
peran sangat penting sebagai mesin penggerak ekonomi very important role as drivers of economic activity by
yang menentukan proyek yang layak dan tidak layak determining which projects are eligible or ineligible for
mendapatkan pendanaan. Tanpa kepedulian terhadap financing. Without environmental awareness, banks
lingkungan, perbankan berisiko terus menyalurkan dana risk continuing to channel funds into extractive sectors
ke sektor-sektor ekstraktif yang merusak ekosistem that damage ecosystems, thereby indirectly bearing
sehingga secara tidak langsung bank ikut bertanggung responsibility for environmental degradation.
jawab atas degradasi lingkungan yang terjadi.
Selain tanggung jawab moral, kepedulian terhadap Beyond moral responsibility, environmental concern
lingkungan merupakan langkah strategis untuk is a strategic step to mitigate financial risks. Climate
memitigasi risiko finansial. Perubahan iklim membawa change brings physical risks, such as asset damage due
risiko fisik seperti kerusakan aset akibat bencana to natural disasters, as well as transition risks arising
alam, serta risiko transisi yang muncul dari perubahan from regulatory changes and market shifts toward a
regulasi dan pergeseran pasar menuju ekonomi low-carbon economy. If banks finance environmentally
rendah karbon. Jika bank mendanai perusahaan unfriendly companies, they are exposed to higher
yang tidak ramah lingkungan, bank tersebut terpapar credit risk when borrowers’ assets depreciate or their
pada risiko kredit yang tinggi apabila aset debitur operations are disrupted by stricter environmental
mengalami depresiasi atau operasionalnya terhenti policies. Therefore, integrating Environmental, Social,
akibat kebijakan lingkungan yang ketat. Oleh karena itu, and Governance (ESG) criteria into credit assessments
integrasi kriteria Environmental, Social, and Governance is crucial to maintaining the stability of the financial
(ESG) dalam penilaian kredit menjadi krusial untuk system.
menjaga stabilitas sistem keuangan.
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Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
Di sisi lain, perbankan memiliki peluang besar untuk On the other hand, the banking sector has significant
memimpin transisi menuju ekonomi hijau melalui produk opportunities to lead the transition toward a green
keuangan berkelanjutan. Dengan menawarkan green economy through sustainable financial products.
loans, sustainability-linked bonds, atau pembiayaan By offering green loans, sustainability-linked bonds,
energi terbarukan, bank dapat mengarahkan nasabah or renewable energy financing, banks can guide
dan pelaku industri untuk mengadopsi praktik customers and industry players to adopt more circular
bisnis yang lebih sirkular. Kepedulian ini tidak hanya business practices. This commitment not only supports
membantu pemulihan bumi, tetapi juga meningkatkan environmental recovery but also enhances banks’
citra serta daya saing bank di mata investor global reputation and competitiveness in the eyes of global
yang kini semakin selektif dalam menaruh modal pada investors, who are increasingly selective in allocating
institusi yang memiliki komitmen keberlanjutan yang capital to institutions with strong sustainability
kuat. commitments.
Secara global, urgensi tersebut diperkuat dengan Globally, this urgency is reinforced by the issuance
terbitnya berbagai regulasi dan kesepakatan of various regulations and international agreements.
internasional. Di Indonesia, Otoritas Jasa Keuangan In Indonesia, the Financial Services Authority has
(OJK) menerbitkan Roadmap Keuangan Berkelanjutan issued the Sustainable Finance Roadmap, which
yang mewajibkan lembaga jasa keuangan untuk requires financial institutions to contribute to national
berkontribusi pada target pengurangan emisi nasional. emissions reduction targets. This initiative is aligned
Langkah ini sejalan dengan prinsip-prinsip internasional with international principles such as the Equator
seperti Equator Principles dan United Nations Principles Principles and the United Nations Principles for
for Responsible Banking. Referensi-referensi tersebut Responsible Banking. These references underscore
menegaskan bahwa kepedulian lingkungan bukan lagi that environmental responsibility is no longer merely an
sekadar program CSSR opsional, melainkan fondasi optional CSSR program, but a fundamental foundation
utama bagi keberlangsungan industri perbankan di for the future sustainability of the banking industry.
masa depan.
Komitmen Bank terhadap Kelestarian Commitment of the Bank to Environmental
Lingkungan Sustainability
Bank Artha Graha Internasional sebagai lembaga jasa Bank Artha Graha Internasional, as a financial services
keuangan yang beroperasi di Indonesia dan diawasi oleh institution operating in Indonesia and supervised
Otoritas Jasa Keuangan wajib mengimplementasikan by the Financial Services Authority, is required to
Roadmap Keuangan Berkelanjutan yang menuntut implement the Sustainable Finance Roadmap, which
transformasi model bisnis dari sekadar berorientasi calls for a transformation of the business model
pada keuntungan menjadi lembaga keuangan yang from one that is merely profit-oriented to a financial
mewujudkan keseimbangan antara aspek ekonomi, institution that achieves a balance among economic,
sosial, dan lingkungan (triple bottom line). Kewajiban social, and environmental aspects (the triple bottom
ini mencakup integrasi manajemen risiko lingkungan line). This obligation includes integrating environmental
dalam kebijakan perkreditan, peningkatan portofolio risk management into credit policies, increasing the
pembiayaan hijau seperti yang tercermin dalam green financing portfolio as reflected in green building
kebijakan bangunan gedung hijau, serta transparansi policies, and ensuring transparency through annual
pelaporan melalui Laporan Keberlanjutan tahunan. Sustainability Reports.
Sebagai bentuk implementasi Roadmap Keuangan As part of the implementation of the Sustainable
Berkelanjutan, Bank secara konsisten mengintegrasikan Finance Roadmap, the Bank consistently integrates
aspek keberlanjutan ke dalam strategi bisnis inti. Bank sustainability aspects into its core business strategy.
menyadari bahwa aliran pembiayaan memiliki peran The Bank recognizes that financing flows play a
strategis dalam mendorong transisi menuju ekonomi strategic role in driving the transition toward a
hijau, sehingga posisinya tidak hanya sebagai lembaga green economy; therefore, its position is not only
keuangan konvensional, tetapi juga sebagai katalis that of a conventional financial institution but also a
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perubahan lingkungan. Komitmen tersebut diwujudkan catalyst for environmental change. This commitment
melalui penyelarasan portofolio pembiayaan dengan is realized through aligning the financing portfolio
prinsip Environmental, Social, and Governance (ESG). with Environmental, Social, and Governance (ESG)
Melalui penyaluran pembiayaan hijau (green financing), principles. Through the provision of green financing,
Bank mendukung sektor-sektor usaha yang berorientasi the Bank supports environmentally oriented business
ramah lingkungan, seperti energi terbarukan, efisiensi sectors such as renewable energy, energy efficiency,
energi, dan pengembangan infrastruktur berkelanjutan. and the development of sustainable infrastructure.
Kebijakan ini selaras dengan Tujuan Pembangunan This policy is aligned with the Sustainable Development
Berkelanjutan (Sustainable Development Goals/SDGs), Goals (SDGs), particularly Goal 13 related to climate
khususnya tujuan ke-13 terkait penanganan perubahan action.
iklim.
Sejalan dengan komitmen tersebut, Bank menjadikan In line with this commitment, the Bank incorporates
analisis lingkungan sebagai bagian integral dalam environmental analysis as an integral part of
penilaian komitmen nasabah terhadap pelestarian assessing customers’ commitment to environmental
lingkungan hidup sekaligus sebagai persyaratan dalam preservation and as a requirement in the financing
proses pemberian pembiayaan. Dalam praktiknya, Bank approval process. In practice, the Bank applies several
menggunakan sejumlah parameter lingkungan sebagai environmental parameters as the basis for evaluation,
dasar evaluasi meliputi Analisis Mengenai Dampak including Environmental Impact Analysis, the
Lingkungan (AMDAL), Program Penilaian Peringkat Company Performance Rating Assessment Program
Perusahaan dalam Pengelolaan Lingkungan Hidup in Environmental Management, and Environmental
(PROPER), serta Upaya Pengelolaan Lingkungan (UKL) Management Efforts and/or Environmental Monitoring
dan/atau Upaya Pemantauan Lingkungan (UPL). Seluruh Efforts. All of these parameters are carefully reviewed
parameter tersebut ditelaah secara cermat untuk to anticipate potential pollution or environmental
mengantisipasi potensi risiko pencemaran maupun damage risks arising from customers’ activities
kerusakan lingkungan yang dapat timbul dari kegiatan or projects, while also serving as instruments for
atau proyek nasabah, sekaligus berfungsi sebagai assessing social and environmental risks.
instrumen penilaian risiko sosial dan lingkungan.
Langkah strategis tersebut dipertegas dengan terbitnya These strategic steps are reinforced by the issuance
Surat Edaran Kredit No. 117.01.0 Perihal Pembiayaan of Credit Circular Letter No. 117.01.0 concerning Green
Proyek Bangunan Gedung Hijau. Melalui kebijakan ini, Building Project Financing. Through this policy, the
Bank secara aktif mendorong pengembang dan debitur Bank actively encourages developers and debtors
untuk menciptakan kawasan yang ramah lingkungan. to create environmentally friendly areas. With the
Dengan adanya standar formal ini, Bank memastikan establishment of this formal standard, the Bank
bahwa setiap proyek bangunan yang dibiayai tidak ensures that every financed building project not only
hanya mengejar nilai estetika dan ekonomi, tetapi pursues aesthetic and economic value, but also meets
juga harus memenuhi kriteria pertanggungjawaban stringent environmental accountability criteria as a
lingkungan yang ketat sebagai syarat fundamental fundamental requirement in the credit process.
dalam proses kredit.
Definisi bangunan gedung hijau yang diusung oleh The definition of green buildings adopted by the
Bank mencakup aspek yang komprehensif, mulai Bank encompasses comprehensive aspects, ranging
dari perencanaan yang matang hingga performa from careful planning to measurable operational
operasional yang terukur. Bank menekankan pada performance. The Bank emphasizes efficiency in the
efisiensi penggunaan energi, air, dan sumber daya use of energy, water, and other resources at every
lainnya di setiap tahap penyelenggaraan bangunan. stage of building development. By applying these
Dengan menerapkan prinsip-prinsip ini, Bank berupaya principles, the Bank seeks to mitigate climate transition
memitigasi risiko transisi iklim sekaligus memberikan risks while simultaneously delivering added value to
nilai tambah bagi nasabah melalui bangunan yang customers through high-performance buildings with
berkinerja tinggi, hemat biaya operasional, dan lower operating costs that directly contribute to
berkontribusi langsung pada pengurangan emisi national carbon emission reductions.
karbon nasional.
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Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
Sejalan dengan prinsip bangunan hijau, Bank In line with green building principles, the Bank
menerapkan operasional kantor yang ramah also implements environmentally friendly office
lingkungan penerapan operasional kantor berbasis operations by applying the 3R principles (Reduce,
prinsip 3R (Reduce, Reuse, & Recycle). Implementasi Reuse, and Recycle). This implementation is carried
ini diwujudkan secara sistematis melalui pengelolaan out systematically through responsible resource
konsumsi sumber daya yang bertanggung jawab, mulai consumption management, including efficient paper
dari efisiensi penggunaan kertas, penghematan energi usage, savings in electricity and fuel consumption,
listrik dan bahan bakar minyak, hingga pengendalian as well as integrated control of emissions and
emisi serta pengelolaan air dan limbah cair secara management of water and wastewater. By embedding
terpadu. Dengan mengintegrasikan prinsip-prinsip these principles into daily activities, the Bank ensures
tersebut ke dalam aktivitas harian, Bank memastikan that the spirit of sustainability is not only applied
bahwa semangat keberlanjutan tidak hanya diterapkan to customer projects but also becomes a tangible
pada proyek nasabah, tetapi juga menjadi budaya kerja work culture that minimizes the Company’s overall
nyata yang meminimalkan jejak ekologis perusahaan ecological footprint.
secara menyeluruh.
Pemakaian Kertas Paper Usage
Kertas merupakan salah satu sarana pendukung Paper is one of the main supporting materials in the
utama dalam pelaksanaan kegiatan operasional dan Bank’s operational and office administrative activities.
administrasi perkantoran Bank. Dalam praktiknya, Bank In practice, the Bank uses various types and sizes of
menggunakan berbagai jenis dan ukuran kertas, antara paper, including HVS A4 70 gsm, HVS A4 75 gsm, HVS
lain kertas HVS A4 70 gram, HVS A4 75 gram, HVS A3 80 A3 80 gsm, HVS F4 70 gsm, HVS F4 75 gsm, EDC thermal
gram, HVS F4 70 gram, HVS F4 75 gram, kertas thermal paper sizes 56 × 33 mm and 57 × 48 mm, ATM thermal
EDC ukuran 56 × 33 mm dan 57 × 48 mm, kertas thermal paper size 80 × 140 mm, transaction receipt paper size
ATM ukuran 80 × 140 mm, kertas telstruk ukuran 58 × 58 × 48 mm, and continuous form paper size 9½ × 11
48 mm, serta kertas continuous form ukuran 9½ × 11 inches. Although differing in specifications, all of these
inci. Meskipun berbeda dari sisi spesifikasi, seluruh paper types are considered relatively environmentally
jenis kertas tersebut tergolong sebagai bahan yang friendly, as they are recyclable and biodegradable.
relatif ramah lingkungan karena dapat didaur ulang dan
mudah terurai secara alami.
Bank memahami bahwa proses produksi kertas The Bank recognizes that paper production requires
memerlukan bahan baku berupa kayu dari jenis raw materials in the form of timber from certain tree
pepohonan tertentu serta melibatkan penggunaan species and involves significant use of energy and
energi dan air dalam jumlah yang signifikan. Oleh water. Therefore, the Bank is committed to reducing
karena itu, Bank berkomitmen untuk melakukan upaya paper consumption as part of its contribution to
pengurangan penggunaan kertas sebagai bentuk minimizing deforestation and other environmental
kontribusi dalam menekan laju penebangan pohon impacts. The measures implemented include using
dan dampak lingkungan lainnya. Langkah-langkah paper on both sides, reusing used paper for internal
yang diterapkan antara lain penggunaan kertas pada purposes, optimizing the use of electronic mail as
kedua sisi, pemanfaatan kertas bekas untuk kebutuhan a medium for data and document exchange, and
internal, optimalisasi penggunaan surat elektronik enhancing digital document management and storage.
sebagai media pertukaran data dan dokumen, serta
peningkatan pengelolaan dan penyimpanan dokumen
secara digital.
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Informasi mengenai pemakaian kertas secara rinci Detailed information on paper usage is presented in
disajikan pada tabel berikut: [OJK F.5]. the following table: [OJK F.5].
Tabel Penggunaan Kertas Tahun 2023-2025
Paper Usage 2023-2025
Uraian Satuan 2025 2024 2023
Description Unit
Dus
Continuous Form 142 79 80
Cartons
Rim
HVS 7.418 6.752 6.329
Reams
Telstruk dan Kertas Thermal Roll
2.609 2.982 2.811
Telstruk and Thermal paper Rolls
Sesuai tabel di atas, volume penggunaan kertas Based on the table above, the volume of paper usage
pada tahun 2025 mengalami kenaikan dibanding in 2025 increased compared to the previous year. This
tahun sebelumnya. Hal itu dipengaruhi oleh adanya increase was primarily driven by a higher number of
peningkatan jumlah transaksi di cabang, cetak transactions at branch offices, the printing of debtor-
dokumen debitur, serta laporan-laporan lainnya untuk related documents, and the preparation of various
kebutuhan eksternal maupun internal. reports for both external and internal purposes.
Pengelolaan Energi Energy Management
Dalam menjalankan kegiatan operasionalnya, Bank In carrying out its operational activities, the Bank
menggunakan dua sumber energi utama yaitu listrik uses two main energy sources, namely electricity and
dan bahan bakar minyak (BBM) yang seluruhnya fuel, both of which are entirely obtained from third
diperoleh dari pihak ketiga. Listrik dimanfaatkan parties. Electricity is used not only for lighting but
tidak hanya untuk penerangan, tetapi juga sebagai also as an energy source for various office facilities
sumber energi bagi berbagai sarana dan prasarana and infrastructure, including computers, laptops,
perkantoran antara lain komputer, laptop, mesin photocopy machines, printers, air conditioners (AC),
fotokopi, printer, pendingin ruangan (AC), mesin ATM, ATMs, and other electronic equipment. Meanwhile, fuel
serta peralatan elektronik lainnya. Sementara itu, is primarily used as an energy source for operational
BBM digunakan terutama sebagai sumber energi bagi vehicles, as well as in limited amounts for operating
kendaraan operasional, serta dalam jumlah terbatas generators as backup power sources in the event of
untuk pengoperasian genset sebagai sumber energi disruptions to electricity supply from third parties. Fuel
cadangan apabila terjadi gangguan pasokan listrik dari is a fossil-based energy source and therefore classified
pihak ketiga. BBM merupakan bahan bakar berbasis as a non-renewable resource with limited availability.
fosil sehingga tergolong sebagai sumber energi tidak Similarly, electricity is also considered limited, given
terbarukan yang ketersediaannya terbatas, begitu juga that most power plants in Indonesia still rely on coal as
dengan listrik mengingat sebagian besar pembangkit the primary energy source. Based on these conditions,
listrik di Indonesia masih bergantung pada batu bara the Bank is committed to implementing various energy
sebagai sumber pembangkit. Berangkat dari kondisi efficiency measures. [GRI 3-3]
tersebut, Bank berkomitmen untuk menerapkan
berbagai langkah efisiensi energi. [GRI 3-3]
Program penghematan listrik dilaksanakan melalui Electricity saving programs are implemented through
penerapan kebijakan dan program operasional antara policies and operational programs, including turning
lain mematikan lampu dan AC setelah jam kerja, off lights and air conditioners after office hours,
menyesuaikan penggunaan penerangan di luar jam adjusting lighting usage outside working hours
kerja sesuai kebutuhan, mematikan komputer dan based on actual needs, turning off computers and
peralatan elektronik apabila tidak digunakan, serta electronic equipment when not in use, and setting
mengatur perangkat komputer ke dalam mode sleep computers to sleep mode when idle. In addition, the
saat tidak beroperasi. Selain itu, Bank juga melakukan Bank disconnects power cables after office hours,
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Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
pencabutan kabel listrik setelah jam kerja, mengganti replaces central air conditioning systems with split
penggunaan AC sentral dengan AC split, menggunakan AC units, uses energy-efficient LED lighting, and limits
lampu LED yang lebih hemat energi, serta membatasi lift operating hours during working hours. Efforts to
jam operasional lift selama jam kerja. Adapun upaya improve fuel efficiency are carried out through the
efisiensi penggunaan BBM dilakukan melalui penerapan implementation of operational vehicle management
kebijakan pengelolaan kendaraan operasional, policies, more efficient route planning, and selective
pengaturan rute perjalanan yang lebih efisien, serta control of generator usage.
pengendalian penggunaan genset secara selektif.
Seluruh langkah penghematan energi tersebut sejalan All of these energy-saving measures are in line with the
dengan Instruksi Presiden Republik Indonesia No. Instruction of the President of the Republic of Indonesia
13 Tahun 2011 tentang Penghematan Energi dan Air No. 13 of 2011 on Energy and Water Conservation and
serta Peraturan Menteri Energi dan Sumber Daya the Regulation of the Minister of Energy and Mineral
Mineral Republik Indonesia No. 13 Tahun 2012 tentang Resources of the Republic of Indonesia No. 13 of 2012
Penghematan Pemakaian Tenaga Listrik. Lebih dari itu, on Electricity Consumption Efficiency. Furthermore,
penghematan tersebut sekaligus merupakan upaya these efforts also represent the Bank’s commitment to
Bank untuk menekan emisi gas rumah kaca. [GRI 302-4, reducing greenhouse gas emissions. [GRI 302-4, GRI 302-
GRI 302-5] [OJK F.7, F.12] 5] [OJK F.7, F.12]
Selama periode pelaporan, Bank mencatat penggunaan During the reporting period, the Bank recorded
listrik sebesar 5.419.548 kWh atau setara dengan electricity consumption of 5,419,548 kWh, equivalent
19.510 Gigajoule (GJ). Angka tersebut menunjukkan to 19,510 gigajoules (GJ). This figure represents
penurunan dibandingkan dengan tahun 2024 yang a decrease compared to 2024, when electricity
tercatat sebesar 5.897.935 kWh atau setara dengan consumption amounted to 5,897,935 kWh or equivalent
21.232 GJ. Perubahan tingkat konsumsi energi tersebut to 21,232 GJ. The change in energy consumption levels
dipengaruhi oleh program optimalisasi jumlah kantor was influenced by the branch network optimization
cabang dan jumlah karyawan yang sudah dijalankan program and workforce adjustments that have been
serta kebijakan efisiensi perusahaan yang dilakukan implemented, as well as the Company’s ongoing
secara berkelanjutan. [GRI 302-1] [OJK F.6] efficiency initiatives. [GRI 302-1] [OJK F.6]
Tabel Konsumsi Listrik Tahun 2023-2025 [IDX-ESG E-03]
Electricity Consumption 2023-2025
Uraian Satuan 2025 2024 2023
Description Unit
Penggunaan listrik kWh 5.419.548 5.897.935 5.847.439
Electricity usage Gigajoule 19.510 21.232 21.051
Penambahan/(Pengurangan)
kWh (478.387) 50.496 (338.784)
Increase/(Decrease)
Gigajoule (1.715) 181 (1.219)
Data merujuk Kantor Pusat dan Kantor Cabang
Konversi kWh ke Gigajoule: https://www.convertunits.com/from/kWh/to/gigajoule
Data refers to Head Office and Branch Offices.
kWh to Gigajoule conversion: https://www.convertunits.com/from/kWh/to/gigajoule
Untuk mengetahui intensitas konsumsi energi (IKE) To determine the office electricity Energy Consumption
listrik perkantoran, Bank menghitung IKE dengan Intensity (IKE), the Bank calculates the IKE using the
menggunakan rumus berikut: following formula:
Pemakaian energi listrik (KWh)
Electricity consumption (kWh)
IKE=
Luas bangunan
Building area
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 221
Page 222
Selanjutnya, hasil perhitungan tersebut dibandingkan Furthermore, the calculation results are compared
dengan tabel intensitas konsumsi energi seperti with the Energy Consumption Intensity benchmarks
diatur dalam Lampiran Peraturan Menteri Energi dan as stipulated in the Appendix to the Regulation of
Sumber Daya Mineral Republik Indonesia No. 13 Tahun the Minister of Energy and Mineral Resources of
2012 tentang Penghematan Pemakaian Tenaga Listrik the Republic of Indonesia No. 13 of 2012 concerning
sebagai berikut: Electricity Energy Conservation, as follows:
Tabel Intensitas Konsumsi Energi (IKE) Gedung Perkantoran ber-AC
Energy Consumption Intensity (IKE) for Air-Conditioned Office Buildings
Ber-AC Tanpa AC
Air-conditioned Not Air-conditioned
Kriteria
Criteria
kWh/m2/bulan kWh/m2/tahun* kWh/m2/bulan kWh/m2/tahun*
kWh/m2/month kWh/m2/year* kWh/m2/month kWh/m2/year*
Sangat efisien
<8,5 <102 <3,4 <40,8
Very efficient
Efisien
8,5-14 102-168 3,4-5,6 40,8-67,2
Efficient
Cukup Efisien
14-18,5 168-222 5,6-7,4 67,2-88,8
Moderately Efficient
Boros
>18,5 >222 >7,4 88,8
Inefficient
Sumber | Source:
*konversi dalam setahun
*conversion within one year
Dalam laporan ini, data IKE merujuk pada Kantor Pusat In this report, the IKE data refer to the Bank’s Head
Bank dengan penggunaan listrik sebesar 5.419.548 Office, with electricity consumption of 5,419,548 kWh.
kWh. Adapun luas bangunan kantor tercatat 65.111m2. The building area is recorded at 65,111m². Based on the
Merujuk rumus di atas, IKE tahun 2025 tercatat sebesar formula above, the IKE for 2025 amounted to 6.9 kWh/
6,9 kWh/m2/bulan, masuk kategori sangat efisien. Hasil m²/month, falling into the categorized as very efficient
tersebut turun dibandingkan dengan IKE tahun 2024 category. This result decreased compared to the 2024
sebesar 7,5 kWh/m2/bulan dengan kategori “Sangat IKE of 7.5 kWh/m²/month, which was categorized as
Efisien” berdasarkan perhitungan konsumsi listrik “Very Efficient,” based on electricity consumption of
sebesar 5.897.935 kWh dengan luas bangunan 65.591 5,897,935 kWh with a building area of 65,591 m². [GRI
m2. [GRI 302-3] [OJK F.6] 302-3] [OJK F.6]
Tabel Intensitas Konsumsi Energi Kantor Pusat Operasional Tahun 2023-2025
Energy Consumption Intensity of Operational Head Office 2023-2025
Rasio Intensitas Energi
Energy Intensity Ratio
Tahun Kriteria
Year Criteria
kWh/m2/bulan kWh/m2/tahun
kWh/m2/month kWh/m2/year
Sangat Efisien
2025 6,9 82,8
Very efficient
Sangat Efisien
2024 7,5 90
Very efficient
Sangat Efisien
2023 7,9 94,8
Very efficient
222 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 223
Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
Sementara itu, sebagaimana tabel di bawah, Meanwhile, as shown in the table below, fuel
konsumsi BBM pada tahun 2025 mengalami consumption in 2025 increased compared to 2024.
kenaikan dibandingkan tahun 2024. Perubahan The increase was driven by higher mobility and
tersebut dipengaruhi oleh peningkatan mobilitas dan greater use of vehicles for business operations and
penggunaan kendaraan untuk kebutuhan bisnis dan collection activities. In addition, changes to the payroll
penagihan. Selain itu adanya perubahan skema payroll scheme related to fuel payments for officers from a
terkait pembayaran bahan bakar pejabat dari sistem reimbursement system to a lump-sum allowance in
reimburse ke sistem tunjangan lumpsum pada kuartal the fourth quarter of 2025 also contributed to the
4 tahun 2025 turut mempengaruhi peningkatan data higher recorded fuel consumption in 2025.
konsumsi BBM pada tahun 2025.
Tabel Konsumsi BBM Tahun 2023-2025
Fuel Consumption 2023-2025
Uraian Satuan 2025 2024 2023
Description Unit
Bensin Liter 522.072 432.996 396.145
Gasoline Gigajoule 17.854 14.808 13.548
Solar Liter 7.684 8.791 7.410
Diesel Gigajoule 262 300 253
Jumlah Liter 529.756 441.787 403.555
Total Gigajoule 18.117 15.109 13.801
Penambahan/(Pengurangan)
Liter 87.969 38.232 (27.902)
Increase/(Decrease)
Gigajoule 3.008 1.308 (954)
Konversi liter ke Gigajoule: https://hextobinary.com/unit/energy/from/gasoline/to/gigajoule
Liter to Gigajoules conversion: https://hextobinary.com/unit/energy/from/gasoline/to/gigajoule
Sementara itu, untuk konsumsi energi di luar organisasi Meanwhile, with regard to energy consumption outside
termasuk energi yang digunakan oleh pemasok the organization, including energy used by suppliers
dalam rantai pasokan, Bank belum dapat menyajikan within the supply chain, the Bank is not yet able to
datanya karena perjanjian kerja sama dengan para present such data, as cooperation agreements with
pemasok tidak memuat klausul mengenai pencatatan suppliers do not include clauses on recording the
volume energi yang mereka gunakan. Meski demikian, volume of energy they consume. Nevertheless, in
sesuai Standar Akuntansi dan Pelaporan Rantai Nilai accordance with the Corporate Value Chain (Scope
Korporat (Cakupan 3) dalam Protokol GRK, Bank 3) Accounting and Reporting Standard under the
melakukan identifikasi atas konsumsi energi relevan di GHG Protocol, the Bank has identified relevant energy
luar organisasi, khususnya pada kategori hulu berupa consumption outside the organization, particularly
perjalanan dinas menggunakan pesawat terbang. Dalam in upstream categories, namely business travel by
konteks laporan ini, perjalanan tersebut merujuk pada air. In the context of this report, such travel refers to
perjalanan Dewan Komisaris dan Direksi. Estimasi energi trips undertaken by the Board of Commissioners and
atau bahan bakar yang dikonsumsi dari perjalanan the Board of Directors. The estimated energy or fuel
udara dihitung menggunakan kalkulator emisi karbon consumption from air travel is calculated using the
ICAO (International Civil Aviation Organization). [GRI ICAO (International Civil Aviation Organization) carbon
302-2] emissions calculator. [GRI 302-2]
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 224
Konsumsi Energi dari Perjalanan Dinas dengan Pesawat oleh Dewan Komisaris dan Direksi
Tahun 2023-2025
Energy Consumption from Business Travel by Aircraft by the Board of Commissioners and Directors
in 2023-2025
Total BBM
Total Jarak Total Fuel Total Energi
Tahun Total Perjalanan (KM) Total BBM (KG) (GJ)
Year Total Trip Total Distance Total Fuel (KG) Total Energy
(KM) (GJ)
Liter Kiloliter
2025 6 26.542 176.292 220.365 220 8.843
2024 10 77.098 528.665 660.831 661 26.571
2023 10 25.406 111.835 139.794 140 5.628
Konversi kilogram ke liter: https://iataops,com/conversion/
Konversi liter ke Gigajoule: https://www,unitconverters,net/energy/fuel-oil-equivalent-kiloliter-to-gigajoule,htm
Kilograms to liters conversion: https://iataops.com/conversion/
Liters to gigajoules conversion: https://www.unitconverters.net/energy/fuel-oil-equivalent-kiloliter-to-gigajoule.html
Merujuk tabel di atas, konsumsi energi dari perjalanan Referring to the table above, energy consumption
dinas dengan pesawat tahun 2025 turun dibandingkan from business travel by air in 2025 decreased
tahun sebelumnya. Hal itu sejalan dengan berkurangnya compared to the previous year. This is in line with the
perjalanan dinas yang dilakukan Dewan Komisaris dan decrease in business trips undertaken by the Board of
Direksi. Hasil perhitungan energi di luar organisasi tidak Commissioners and the Board of Directors. The results
masuk menjadi komponen intensitas konsumsi energi of the calculation of energy consumption outside the
Bank karena penggunanya terbatas. [GRI 302-2] organization are not included as a component of the
Bank’s energy consumption intensity, as such usage is
limited. [GRI 302-2]
Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas Emissions Management
Emisi gas rumah kaca (GRK) merupakan salah satu faktor Greenhouse gas (GHG) emissions are one of the main
utama yang memicu terjadinya pemanasan global dan drivers of global warming and climate change, which
perubahan iklim yang berdampak signifikan terhadap have significant impacts on the sustainability of life
keberlanjutan kehidupan di bumi. Sebagai bagian on Earth. As part of the global community, Indonesia
dari komunitas global, Indonesia telah menyatakan has declared its commitment to achieving net zero
komitmennya untuk mencapai net zero emission emissions (NZE) by 2060 or sooner, if possible. This
(NZE) pada tahun 2060 atau lebih cepat apabila commitment forms part of the national effort to reduce
memungkinkan. Komitmen tersebut merupakan bagian environmental pollution, particularly greenhouse gas
dari upaya nasional dalam menekan pencemaran emissions, and has gained further momentum since
lingkungan, khususnya emisi gas rumah kaca, yang the adoption of the Paris Climate Agreement in 2015,
semakin menguat sejak disepakatinya Paris Climate to which Indonesia is a signatory.
Agreement pada tahun 2015 di mana Indonesia turut
menjadi salah satu negara penandatangan perjanjian
internasional tersebut.
Sejalan dengan komitmen nasional tersebut, In line with this national commitment, the Bank actively
Bank berperan aktif dalam mendukung upaya supports efforts to mitigate global warming and climate
penanggulangan pemanasan global dan perubahan change by joining The First Movers on Sustainable
iklim dengan bergabung sebagai bagian dari The First Banking in Indonesia. This commitment is further
Movers on Sustainable Banking di Indonesia. Komitmen strengthened through the implementation of the green
ini diperkuat melalui penerapan konsep green banking concept, which is aimed at minimizing the
banking yang diarahkan untuk meminimalkan dampak environmental impact of the Bank’s operational and
lingkungan dari kegiatan operasional dan pembiayaan financing activities, including the potential reduction
Bank, termasuk potensi pengurangan emisi gas rumah of greenhouse gas emissions. Emissions management
224 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth
Page 225
Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
kaca. Pengelolaan emisi dilakukan secara terintegrasi is carried out in an integrated manner with energy
dengan kebijakan efisiensi energi, khususnya melalui efficiency policies, particularly through controlling the
pengendalian penggunaan sumber emisi utama seperti use of primary emission sources such as electricity
listrik dan bahan bakar minyak (BBM). [IDX ESG E-06, E-07] and fuel oil (BBM). [IDX ESG E-06, E-07]
Dalam laporan ini, cakupan emisi yang diungkapkan In this report, the scope of emissions disclosed
meliputi emisi GRK langsung (Cakupan 1) dari includes direct GHG emissions (Scope 1) from the
penggunaan bahan bakar fosil (bensin dan solar); emisi use of fossil fuels (gasoline and diesel); indirect GHG
GRK tidak langsung (Cakupan 2) dari konsumsi listrik; emissions (Scope 2) from electricity consumption; and
dan emisi GRK (Cakupan 3) tidak langsung lainnya other indirect GHG emissions (Scope 3) originating
yang bersumber dari perjalanan dinas dengan pesawat from business travel by air. The dominant GHG emitted
terbang. Emisi GRK dominan yang dihasilkan, baik across Scopes 1, 2, and 3 is carbon dioxide (CO₂).
cakupan 1, 2 dan 3 adalah karbon dioksida (CO2).
Bank melakukan perhitungan emisi gas rumah The Bank calculates direct greenhouse gas (GHG)
kaca (GRK) langsung (Cakupan 1) dengan mengacu emissions (Scope 1) by referring to the methodology
pada metodologi yang diterapkan di Indonesia dan applied in Indonesia and other non-Annex I (developing)
negara-negara non-Annex I (negara berkembang) countries, namely the Tier 1 approach. This method
yaitu pendekatan Tier 1. Metode ini menghitung calculates emissions based on energy consumption
emisi berdasarkan data konsumsi energi dikalikan data multiplied by default emission factors established
dengan faktor emisi default yang ditetapkan oleh by the Intergovernmental Panel on Climate Change
Intergovernmental Panel on Climate Change (IPCC) (IPCC) 2006. This approach is selected as it aligns with
2006. Pendekatan tersebut dipilih karena sesuai data availability and prevailing reporting practices,
dengan ketersediaan data dan praktik pelaporan while ensuring consistency and comparability of
yang berlaku, serta memastikan konsistensi dan emission calculation results. The calculation formula
keterbandingan hasil perhitungan emisi. Adapun rumus used is as follows:
perhitungan yang digunakan adalah sebagai berikut:
Emisi Hasil Pembakaran Bahan Bakar
Emissions from Fuel Combustion
kg TJ kg
Emisi GRK = Konsumsi Energi ( ) x Faktor Emisi ( )
thn thn TJ
kg TJ kg
GHG Emissions = Energy Consumption ( ) x Emission Factor( )
year year TJ
Dari hasil perhitungan sesuai rumus di atas, maka Based on the calculations using the above formula,
selama tahun pelaporan, Bank menghasilkan emisi gas during the reporting year, the Bank generated direct
rumah kaca langsung dari penggunaan solar dan bensin greenhouse gas emissions from the use of diesel and
sebesar 1.214.835 kgCO2eq, naik dibandingkan tahun gasoline amounting to 1,214,835 kgCO2eq, an increase
2024 yang mencapai 1.014.009 kgCO2eq. Perubahan compared to 2024, which reached 1,014,009 kgCO2eq.
tersebut dipengaruhi oleh peningkatan mobilitas dan The change was driven by increased mobility and
penggunaan kendaraan untuk kebutuhan bisnis dan greater use of vehicles to support business operations
penagihan. [OJK F.11][IDX-ESG E-01] and collection activities. [OJK F.11][IDX-ESG E-01]
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 226
Tabel Emisi Gas Rumah Kaca Langsung (Cakupan 1) Tahun 2023-2025
Direct Greenhouse Gas Emissions (Scope 1) 2023-2025
Total Emisi CO2 yang Dihasilkan
Konsumsi Energi [Terajoule] FE Default (Kg)
Konsumsi Bahan Bakar Energy Consumption [Terajoules] IPCC Total CO2 Emissions Generated
Fuel Consumption 2006 CO2 (Kg)
(Kg/TJ)
2025 2024 2023 2025 2024* 2023*
Solar (Diesel)
0,28 0,32 0,27 74.100 21.489 23.712 20.007
Diesel
Bensin
17,23 14,29 13,07 69.300 1.193.346 990.297 905.751
Gasoline
Jumlah
17,51 14,61 13,34 1.214.835 1.014.009 925.758
Total
*disajikan kembali
*restated
Adapun penghitungan emisi cakupan 2 tahun 2025 The calculation of Scope 2 emissions for the 2025
dilakukan dengan mengalikan konsumsi listrik Bank period was carried out by multiplying the Bank's
dengan faktor emisi dari PLN yaitu 0,85 kgCO2eq/kWh electricity consumption by PLN's emission factor of
dengan hasil sebagai berikut: 0.85 kgCO2eq/kWh, with the following results:
Tabel Emisi Gas Rumah Kaca Tidak Langsung (Cakupan 2) Tahun 2023-2025 [IDX-ESG E-01]
Indirect Greenhouse Gas Emissions (Scope 2) 2023-2025
Tahun (kWh) Emisi CO2 yang Dihasilkan (kg)
Konsumsi Energi Year (kWh) CO2 Emissions Generated (kg)
Energy Consumption
2025 2024 2023 2025 2024* 2023*
Listrik
Electricity
5.419.548 5.897.935
5.847.439 4.606.615 5.013.245 4.970.323
Emisi 1 kWh = 0,85 kgCO2eq, sumber: https://web.pln.co.id
Emissions of 1 kWh = 0.85 kgCO2eq, source: https://web.pln.co.id
*disajikan kembali
*restated
Untuk emisi GRK (Cakupan 3) dari perjalanan dinas For Scope 3 GHG emissions arising from business
dengan pesawat terbang oleh Dewan Komisaris dan travel by air undertaken by the Board of Commissioners
Direksi, Bank menghitung dengan menggunakan and the Board of Directors, the Bank calculates the
kalkulator karbon dari ICAO (International Civil emissions using the carbon calculator developed by
Aviation Organization/ Organisasi Penerbangan Sipil the ICAO (International Civil Aviation Organization),
Internasional) dengan hasil sebagai berikut: [OJK F.11] ] with the results as follows: [OJK F.11] [IDX-ESG E-01]
[IDX-ESG E-01]
226 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 227
Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
Total Emisi Gas Rumah Kaca dari Perjalanan Dinas dengan Pesawat Terbang Tahun 2023-2025
Total Greenhouse Gas Emissions from Business Travel by Airplane 2023-2025
2025 2024 2023
Jumlah Jumlah Jumlah
Penggunaan Emisi Penggunaan Emisi Penggunaan Emisi
Pesawat (Kg CO2eq) Pesawat (Kg CO2eq) Pesawat (Kg CO2eq)
Terbang Emissions Terbang Emissions Terbang Emissions
Number of Air (Kg CO2eq) Number of Air (Kg CO2eq) Number of Air (Kg CO2eq)
Travel Trips Travel Trips Travel Trips
6 1.907 10 4.686 10 1.651
Berdasarkan tabel di atas, emisi gas rumah kaca cakupan Based on the table above, Scope 3 greenhouse gas
3 dari perjalanan dinas dengan pesawat tercatat tahun emissions from business air travel in 2025 decreased
2025 mengalami penurunan dibandingkan tahun compared to the previous year. This change is in line
sebelumnya. Hal itu sejalan dengan pengurangan with the decrease in the number of business trips by
jumlah perjalanan dinas dengan pesawat oleh Dewan air undertaken by the Board of Commissioners and the
Komisaris dan Direksi. Board of Directors.
Selanjutnya, Bank menghitung intensitas emisi merujuk Furthermore, the Bank calculates its emissions
hasil perhitungan emisi cakupan 1 dan 2, serta tidak intensity by referring to the results of Scope 1 and
memasukkan cakupan 3 karena penggunanya terbatas Scope 2 emissions calculations and excludes Scope
yaitu Dewan Komisaris dan Direksi, sebagaimana tabel 3 emissions, as their users are limited to the Board
berikut: of Commissioners and the Board of Directors, as
presented in the table below:
Tabel Intensitas Emisi GRK terhadap Pendapatan Tahun 2023-2025 [IDX-ESG E-02]
GHG Emission Intensity to Income 2023-2025
Uraian Satuan 2025 2024 2023
Description Unit
Total Emisi Cakupan 1 & 2
KgCO2eq 5.821.450 6.027.254 5.896.081
Total Scope 1 & 2 Emissions
Pendapatan bunga bersih Rp Jutaan
910.069 981.979
Net interest income IDR Million
Intensitas Emisi GRK KgCO2eq/Jutaan Rupiah
6,622 6,004
GHG Emission Intensity KgCO2eq/Million Rupiah
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 228
Adapun rekapitulasi perhitungan emisi cakupan 1, 2 dan The recapitulation of emission calculations for scopes
3 disampaikan dalam tabel berikut: 1, 2 and 3 is presented in the following table:
Tabel Laporan Emisi Gas Rumah Kaca (GRK) [IDX-ESG E-01]
Greenhouse Gas (GHG) Emissions Report
Kategori Emisi Satuan 2025 2024 2023
Emission Category
Emisi GRK Scope 1
GHG Emissions Scope 1
Emisi GRK Langsung dan Pembuangan
TonCO2-eq 1.215 1.014* 926*
Direct GHG Emissions and Discharges
Emisi GRK Scope 2
GHG emissions Scope 2
Emisi GRK Tidak Langsung dari Energi yang Diimpor/Dibeli
TonCO2-eq 4.607 5.013* 4.970*
Indirect GHG Emissions from Imported/Purchased Energy
Emisi GRK Scope 3
GHG emissions Scope 3
Emisi GRK Tidak Langsung dari Transportasi
TonCO2-eq 2 5 2
Indirect GHG Emissions from Transportation
Emisi GRK Tidak Langsung dari Produk yang Digunakan oleh
Perusahaan
TonCO2-eq - - -
Indirect GHG Emissions from Products Used by the
Company
Emisi GRK Tidak Langsung yang Terkait dengan Penggunaan
Produk dari Perusahaan
TonCO2-eq - - -
Indirect GHG Emissions Related to the Use of Products
from the Company
Emisi GRK Tidak Langsung dari Sumber Lainnya
TonCO2-eq - - -
Indirect GHG Emissions from Other Sources
Total Emisi GRK (Scope 1 dan 2)
TonCO2-eq 5.821 6.027* 5.896*
Total GHG Emissions (Scope 1 and 2)
Total Emisi GRK (Scope 1, 2, dan 3)
TonCO2-eq 5.824 6.032* 5.898*
Total GHG Emissions (Scope 1, 2, and 3)
Offsets/Credits
- - - -
Offsets/Credits
Pembelian Renewable Energy Certificate (REC)
kWh - - -
Purchase of Renewable Energy Certificate (REC)
*disajikan kembali
*restated
Sementara itu, sebagai wujud komitmen terhadap Meanwhile, as a manifestation of its commitment to
perlindungan lapisan ozon serta dukungan terhadap ozone layer protection and support for government
kebijakan pemerintah di bidang lingkungan, Bank environmental policies, the Bank has undertaken
telah melakukan langkah-langkah strategis untuk strategic measures to replace materials with potential
menggantikan bahan-bahan yang berpotensi merusak ozone-depleting effects. Concrete actions include
ozon. Langkah nyata yang dilakukan antara lain Bank transitioning to the use of R410A and R32 refrigerants in
beralih menggunakan refrigeran R410A dan R32 pada air-conditioning systems and refrigeration units. Both
sistem pendingin udara dan lemari pendingin. Kedua refrigerants have very low ozone depletion potential
jenis refrigeran tersebut memiliki potensi perusakan and are more environmentally friendly. In addition, the
228 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 229
Mewujudkan Komitmen Lingkungan
untuk Keberlanjutan
Realizing Environmental Commitment for Sustainability
ozon yang sangat rendah serta karakteristik yang lebih Bank has replaced halon-based fire extinguishers with
ramah lingkungan. Selain itu, Bank juga mengganti APAR environmentally safer alternatives, namely powder and
berbasis halon dengan APAR yang menggunakan bahan carbon dioxide (CO2) fire extinguishers.
pemadam api yang lebih aman bagi lingkungan, yaitu
powder dan karbon dioksida (CO2).
Dalam mendukung pengendalian emisi udara, Bank In supporting the control of air emissions, the Bank has
turut menerapkan langkah-langkah konkret untuk also implemented concrete measures to minimize the
meminimalkan dampak penggunaan kendaraan impact of operational vehicle usage on air quality. One
operasional terhadap kualitas udara. Salah satu upaya such measure is the periodic emissions testing of all
yang dilakukan adalah pelaksanaan uji emisi secara operational vehicles. Through this initiative, the Bank
berkala terhadap seluruh kendaraan operasional. ensures that the vehicles in use comply with applicable
Melalui langkah ini, Bank memastikan bahwa kendaraan emission standards in accordance with prevailing laws
yang digunakan telah memenuhi baku mutu emisi and regulations.
sesuai dengan ketentuan peraturan perundang-
undangan yang berlaku.
Pengelolaan Air Water Management
Air merupakan salah satu sumber daya penting yang Water is one of the essential resources supporting
menunjang kegiatan operasional Bank, khususnya untuk the Bank’s operational activities, particularly for
memenuhi kebutuhan domestik perkantoran bagi meeting domestic office needs for employees and
karyawan dan nasabah. Pemanfaatan air mencakup customers. Water usage includes various activities
berbagai aktivitas, antara lain penggunaan fasilitas such as sanitation facilities, ablution, washing kitchen
sanitasi, keperluan wudhu, pencucian peralatan dapur, equipment, watering plants, and other operational
penyiraman tanaman, serta kebutuhan operasional needs. Approximately 80% of the Bank’s water supply is
lainnya. Sekitar 80% sumber air yang digunakan Bank sourced from third parties through the Regional Water
berasal dari pasokan pihak ketiga melalui Perusahaan Supply Company, while the remainder is obtained from
Daerah Air Minum (PDAM), sementara sisanya groundwater.
bersumber dari air tanah.
Selaras dengan penerapan konsep operasional yang In line with the implementation of environmentally
berwawasan lingkungan, Bank menerapkan kebijakan sound operational practices, the Bank applies water-
efisiensi penggunaan air sebagai respons terhadap use efficiency policies in response to the increasingly
semakin terbatasnya ketersediaan sumber daya air. limited availability of water resources. The supply of
Pasokan air baku untuk PDAM menghadapi tantangan raw water for PDAM faces challenges due to pollution
akibat pencemaran sumber air, sementara ketersediaan of water sources, while groundwater availability
air tanah juga terus menurun seiring meningkatnya continues to decline amid rising utilization for various
pemanfaatan untuk berbagai kebutuhan, termasuk needs, including industrial, office, and service sectors.
sektor industri, perkantoran, dan jasa. Kondisi tersebut These conditions encourage the Bank to adopt more
mendorong Bank untuk mengambil langkah-langkah responsible water management measures.
pengelolaan air yang lebih bertanggung jawab.
Upaya efisiensi penggunaan air menjadi semakin Efforts to improve water-use efficiency are becoming
penting untuk mencegah terjadinya krisis atau increasingly important to prevent potential clean
kelangkaan air bersih di masa mendatang. Badan water crises or shortages in the future. The National
Perencanaan Pembangunan Nasional (Bappenas) Development Planning Agency, in the Strategic
dalam Kajian Lingkungan Hidup Strategis (KLHS) RPJM Environmental Assessment (SEA) of the 2019 National
2019 memproyeksikan bahwa Indonesia berpotensi Medium-Term Development Plan, projects that
mengalami kelangkaan air absolut pada tahun 2040. Indonesia may experience absolute water scarcity by
Kelangkaan absolut mengacu pada kondisi ketika 2040. Absolute scarcity refers to conditions in which
ketersediaan sumber daya air tidak lagi mencukupi water resources are no longer sufficient to meet basic
untuk memenuhi kebutuhan dasar manusia. human needs.
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Dalam implementasinya, kebijakan efisiensi penggunaan In practice, water efficiency policies are implemented
air dilaksanakan melalui berbagai langkah konkret. Bank through various concrete measures. The Bank
mengimbau seluruh karyawan untuk menggunakan encourages all employees to use water responsibly,
air secara bertanggung jawab, memasang media installs awareness media such as stickers or water-
sosialisasi berupa stiker atau pengumuman hemat air saving notices in sink and toilet areas across all branch
di area wastafel dan toilet di seluruh kantor cabang, offices, and limits the use of water for washing eating
serta menetapkan pembatasan penggunaan air untuk and drinking utensils to twice a day. In addition, the
pencucian peralatan makan dan minum sebanyak dua Bank ensures that water taps are turned off after use
kali dalam sehari. Selain itu, Bank juga memastikan and conducts routine monitoring to detect potential
penutupan kran air setelah digunakan serta melakukan leaks or instances of misuse.
pemantauan rutin untuk mendeteksi potensi kebocoran
atau kelalaian penggunaan.
Tabel Penggunaan Air Kantor Pusat Tahun 2023-2025[IDX-ESG E-04]
Head Office Water Usage 2023-2025
Uraian Satuan 2025 2024 2023
Description Unit
Pemakaian Air
m3 37.206 34.180 33.210
Water Usage
Penambahan (Pengurangan)
% 8,85 2,92 (6,26)
Increase (Decrease)
Sesuai tabel di atas, penggunaan air tahun 2025 In accordance with the table above, water consumption
mengalami kenaikan dibandingkan tahun 2024. Hal in 2025 increased compared to 2024. This was in line
itu sejalan dengan peningkatan aktivitas di beberapa with the increase in activities across several branch
gedung kantor cabang, termasuk adanya project office buildings, including ongoing renovation projects.
renovasi yang sedang dijalankan. [OJK F.8] [OJK F.8]
Dalam hal pengelolaan air limbah (efluen) dari aktivitas With regard to wastewater (effluent) management
perkantoran, Bank berkomitmen untuk mencegah arising from office activities, the Bank is committed
pencemaran tanah dan perairan akibat pembuangan to preventing soil and water pollution resulting from
air limbah. Untuk itu, sebelum dibuang ke badan air, wastewater discharge. Accordingly, prior to being
efluen akan dilakukan pengelolaan melalui Instalasi discharged into water bodies, effluent is treated
Pengolahan Air Limbah (IPAL) dan melakukan pengujian through a Wastewater Treatment Plant (WWTP) and
kualitas air sebelum dibuang ke badan air. Pengelolaan its quality is tested before disposal. The treatment
dan pengujian dilakukan oleh pengelola gedung dengan and testing processes are carried out by the building
tim laboratorium terakreditasi dari pihak eksternal. management in cooperation with an accredited
Oleh karena itu, Bank tidak bisa menyampaikan volume external laboratory. Therefore, the Bank is unable to
air limbah maupun hasil pengujian air limbah karena hal disclose the volume of wastewater or the results of
tersebut merupakan otoritas pengelola gedung. [OJK wastewater quality testing, as these matters fall under
F.13, F.14] the authority of the building management. [OJK F.13,
F.14]
Pengelolaan Limbah Waste Management
Dalam mendukung operasional kantor ramah In supporting environmentally friendly office
lingkungan, Bank berkomitmen mengintegrasikan operations, the Bank is committed to integrating the 3R
prinsip 3R (Reduce, Reuse, dan Recycle) dalam principles (Reduce, Reuse, and Recycle) into its waste
pengelolaan limbah sebagai bagian dari upaya management practices as part of its environmental
keberlanjutan lingkungan. Fokus utama diarahkan sustainability efforts. The primary focus is on reducing
pada pengurangan limbah plastik serta pengelolaan plastic waste and managing office domestic waste
230 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Mewujudkan Komitmen Lingkungan
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Realizing Environmental Commitment for Sustainability
sampah domestik perkantoran guna menekan dampak to minimize negative environmental impacts. Plastic
negatif terhadap lingkungan. Upaya pengurangan waste reduction initiatives include the mandatory use
limbah plastik dilakukan melalui penerapan kebijakan of personal tumblers by all employees, the provision
penggunaan tumbler pribadi bagi seluruh karyawan, of drinking water dispensers in every workspace and
penyediaan dispenser air minum di setiap ruang kerja meeting room, and the use of glassware for serving
dan ruang rapat, serta penggunaan gelas berbahan beverages to guests. In addition, the Bank manages
kaca untuk penyajian minuman kepada tamu. Selain office domestic waste by providing adequate waste
itu, Bank juga memperhatikan pengelolaan sampah bins and implementing waste segregation between
domestik dengan menyediakan tempat sampah yang organic and inorganic waste. For the management of
memadai dan menerapkan pemilahan antara sampah office domestic waste as well as other types of waste,
organik dan anorganik. Untuk pengelolaan limbah/ including hazardous waste (B3) such as used batteries,
sampah domestik perkantoran maupun limbah yang used engine oil from operational vehicles, used lamps
lain, termasuk limbah B3 seperti aki bekas dan oli bekas and cartridges, and other electronic waste, the Bank
kendaraan operasional, lampu dan cartridge bekas, juga cooperates with licensed third parties authorized by
peralatan elektronik bekas lainnya, Bank menjalin kerja the relevant authorities. Through this cooperation,
sama dengan pihak ketiga yang berizin dari instansi during the reporting year there were no recorded spills
yang berwenang. Dengan kerja sama tersebut, selama that had a negative impact on the environment. [OJK
tahun pelaporan, tidak tercatat adanya tumpahan yang F.13, F.15] [OJK F.13][IDX-ESG E-05]
terjadi yang berdampak negatif terhadap lingkungan.
[OJK F.13, F.15] [OJK F.13][IDX-ESG E-05]
Keanekaragaman Hayati Biodiversity
Bank menyadari bahwa keanekaragaman hayati The Bank recognizes that biodiversity provides
memberikan berbagai manfaat penting bagi kehidupan various important benefits for human life, including
manusia, termasuk mendukung ketahanan pangan supporting food security through the availability of
melalui penyediaan beragam jenis tumbuhan dan diverse plant and animal species. In addition, species-
hewan. Selain itu, ekosistem yang kaya spesies rich ecosystems play a vital role in maintaining
berperan dalam menjaga keseimbangan lingkungan, environmental balance, such as climate regulation,
seperti pengaturan iklim, penyerapan karbon, dan carbon sequestration, and water filtration. Although the
penyaringan air. Meskipun bidang usaha yang dijalankan Bank’s business activities do not have a direct impact
tidak berdampak langsung terhadap lingkungan dan on the environment and biodiversity, the Bank remains
keanekaragaman hayati, Bank tetap berkomitmen untuk committed to contributing to their preservation. One
berkontribusi dalam pelestariannya. Salah satu langkah of the measures taken is ensuring that the locations
yang ditempuh adalah memastikan lokasi bangungan of the Bank’s buildings are not adjacent to or situated
gedung Bank tidak berdekatan atau berada di kawasan within conservation areas or regions with high
konservasi atau wilayah yang memiliki keanekaragaman biodiversity value. [OJK F.9]
hayati tinggi. [OJK F.9]
Selain itu, melalui program Corporate Social and Furthermore, through its Corporate Social and
Safety Responsibility (CSSR), Bank melakukan berbagai Safety Responsibility (CSSR) programs, the Bank
program prolingkungan berupa penghijauan, restorasi implements various environmental initiatives,
ekosistem, dan pelestarian spesies langka yang including reforestation, ecosystem restoration, and the
terancam punah. Selain itu, Bank berkolaborasi dengan conservation of endangered and threatened species.
berbagai pemangku kepentingan, termasuk lembaga The Bank also collaborates with various stakeholders,
konservasi, komunitas lokal, dan sektor swasta, untuk including conservation institutions, local communities,
memastikan bahwa upaya pelestarian keanekaragaman and the private sector, to ensure that biodiversity
hayati dapat berjalan secara efektif dan berkelanjutan. conservation efforts are carried out effectively and
Pada tahun 2025, Bank melakukan penanaman pohon sustainably. In 2025, Bank planted a total of 3,098
sebanyak 3.098 bibit di wilayah sekitar cabang. [OJK seedlings in the areas surrounding its branch offices.
F.10] [OJK F.10]
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Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 231
Page 232
Upaya nyata kepedulian Bank terhadap kelestarian The Bank’s tangible commitment to environmental
lingkungan juga diwujudkan melalui Artha Graha Peduli conservation is also realized through Artha Graha
yang menjalin kerja sama dengan Balai Besar Taman Peduli, which collaborates with the Bukit Barisan
Nasional Bukit Barisan Selatan (TNBBS) dan Balai Selatan National Park Authority (TNBBS) and the
Konservasi Sumber Daya Alam Bengkulu. Bersama Bengkulu Natural Resources Conservation Agency.
mitra strategis tersebut, Bank melakukan optimalisasi Together with these strategic partners, the Bank
pengelolaan Tambling Wildlife Nature Conservation supports the optimization of the management of the
(TWNC) seluas 45.000 hektare, yang merupakan Tambling Wildlife Nature Conservation (TWNC) area
bagian dari Taman Nasional Bukit Barisan Selatan covering 45,000 hectares, which forms part of the
seluas 365.000 hektare yang terletak di ujung selatan. Bukit Barisan Selatan National Park with a total area
Informasi selengkapnya tentang TWNC bisa diakses of 365,000 hectares located at the southern tip of
melalui situs: https://inilahallam.com/about/ Sumatra. More detailed information about TWNC can
be accessed at: https://inilahallam.com/about/
Biaya Lingkungan Environmental Costs
Untuk mengukuhkan komitmen terhadap lingkungan To reinforce its commitment to a better environment,
yang lebih, setiap tahun, Bank mengalokasikan biaya every year the Bank allocates environmental costs to
lingkungan yang digunakan untuk membiayai berbagai fund various environment-related programs. In 2025,
program terkait lingkungan. Pada tahun 2025, biaya environmental costs were recorded at IDR48,95 billion
lingkungan tercatat sebesar Rp48,95 miliar, naik an increase compared to 2024, which reached IDR48.49
dibandingkan tahun 2024 yang mencapai Rp48,49 billion. These costs were used for security services,
miliar. Biaya tersebut digunakan untuk biaya keamanan, cleaning services, and community contributions. [OJK
kebersihan dan iuran lingkungan. [OJK F.4] F.4]
Pengaduan Masalah Lingkungan Environmental Complaints
Bank berkomitmen untuk mematuhi seluruh regulasi The Bank is committed to complying with all
lingkungan dalam menjalankan operasionalnya environmental regulations in conducting its operations
sebagai bagian dari tanggung jawab sosial dan as part of its corporate social responsibility and
keberlanjutan perusahaan. Komitmen ini diwujudkan sustainability. This commitment is realized through the
melalui penerapan praktik-praktik ramah lingkungan implementation of environmentally friendly practices
yang selaras dengan peraturan perundang-undangan, that are in line with laws and regulations, including
termasuk pengelolaan energi, emisi, limbah, dan air responsible management of energy, emissions, waste,
limbah secara bertanggung jawab. and wastewater.
Sejalan dengan itu, Bank menyediakan saluran In line with this, the Bank provides a complaint channel
pengaduan yang dapat dimanfaatkan oleh masyarakat that can be used by the public and other stakeholders,
maupun pemangku kepentingan lainnya, khususnya particularly regarding the potential environmental
terkait potensi dampak lingkungan dari operasional impact of the Bank's business operations. Complaints
bisnis Bank. Pengaduan dapat disampaikan melalui can be submitted by telephone, website, or email,
telepon, website, atau email, dan Bank berkomitmen and the Bank is committed to following up on every
untuk menindaklanjuti setiap laporan serta mencari report and finding the best solution. As of December
solusi terbaik. Hingga 31 Desember 2025, Bank tidak 31, 2025, the Bank has not received any environmental
menerima pengaduan terkait lingkungan. [OJK F.16] complaints. [OJK F.16]
232 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Mewujudkan Komitmen Lingkungan
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Realizing Environmental Commitment for Sustainability
Halaman Ini Sengaja Dikosongkan
This Page Is Intentionally Left Blank
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Lain-lain Others
Page 235
Page 236
Verifikasi Tertulis dari Pihak Independen
[OJK G.1]
Written Verification from an Independent Party [OJK G.1]
GRI Standard 2021 dan OJK merekomendasikan The GRI Standards 2021 and OJK recommend that
agar Laporan Keberlanjutan dilakukan verifikasi oleh Sustainability Reports be verified by an independent
Penyedia Jasa Assurance (Assurance Services Provider) Assurance Services Provider to ensure that the
independen untuk memastikan bahwa kualitas, quality, reliability, and validity of the data presented
keandalan, serta validitas data yang disajikan telah comply with universally accepted reporting principles.
memenuhi prinsip pelaporan yang berlaku universal. However, taking into account priority considerations
Namun demikian, dengan mempertimbangkan skala and internal evaluation, PT Bank Artha Graha
prioritas dan evaluasi internal, PT Bank Artha Graha Internasional Tbk has not engaged an independent
Internasional Tbk belum menggunakan penyedia jasa assurance provider for this year’s report.
penjaminan independen untuk laporan tahun ini.
Walau verifikasi eksternal belum dilakukan, Bank Although external verification has not been conducted,
menegaskan komitmennya terhadap integritas data. the Bank affirms its commitment to data integrity. All
Setiap informasi yang tersaji dalam laporan ini telah information presented in this report has undergone
melewati mekanisme kendali mutu internal yang ketat rigorous and multi-layered internal quality control
dan berlapis. Proses ini dirancang untuk memastikan mechanisms. This process is designed to ensure that
bahwa seluruh pengungkapan informasi bersifat all disclosed information is truthful, accurate, and
benar, akurat, dan faktual, sehingga tetap dapat factual, thereby remaining a credible reference for all
menjadi rujukan yang kredibel bagi seluruh pemangku stakeholders.
kepentingan.
236 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Lain-lain
Others
Lembar Umpan Balik [OJK G.2]
Feedback Form [OJK G.2]
Kami menyampaikan apresiasi yang setinggi-tingginya We extend our highest appreciation to all stakeholders
kepada seluruh pemangku kepentingan yang telah who have reviewed the 2025 Sustainability Report of
menelaah Laporan Keberlanjutan PT Bank Artha Graha PT Bank Artha Graha Internasional Tbk. As part of our
Internasional Tbk 2025. Sebagai bagian dari upaya efforts to enhance the quality of transparency and
peningkatan kualitas transparansi dan efektivitas effectiveness of future reports, your participation in
laporan pada penerbitan berikutnya, partisipasi Bapak/ providing feedback through this Feedback Form is
Ibu/Saudara dalam memberikan masukan melalui highly valuable. Kindly circle one of the answers and fill
Lembar Umpan Balik ini sangatlah berharga. Mohon in the spaces provided below:
berkenan untuk melingkari salah satu jawaban dan
mengisi titik-titik yang tersedia di bawah ini:
Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai kinerja ekonomi, sosial dan lingkungan
yang dilakukan oleh Bank:
1
This Sustainability Report provides clear information regarding the Bank’s economic, social, and environmental
performance:
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Don’t know
Laporan Keberlanjutan ini sudah memberikan informasi yang jelas mengenai pemenuhan tanggung jawab sosial dan
lingkungan Bank:
2
This Sustainability Report provides clear information regarding the Bank’s fulfillment of its social and environmental
responsibilities:
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Don’t know
Materi dan data dalam Laporan Keberlanjutan ini mudah dimengerti dan dipahami.
3
The materials and data presented in this Sustainability Report are easy to understand and comprehend.
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Don’t know
Materi dan data dalam Laporan Keberlanjutan ini sudah cukup lengkap.
4 The materials and data presented in this Sustainability Report are sufficiently comprehensive.
a. Setuju | Agree b. Tidak Setuju | Disagree c. Tidak tahu | Don’t know
Apakah desain, tata letak, grafis dan foto-foto dalam Laporan Keberlanjutan ini sudah bagus?
5
Are the design, layout, graphics, and photographs in this Sustainability Report satisfactory?
a. Sudah bagus | Satisfactory b. Belum bagus| Not satisfactory c. Tidak tahu | Don’t know
Informasi apa yang paling bermanfaat dari Laporan Keberlanjutan ini?
6
What information from this Sustainability Report is the most useful?
.....................................................................................................................................................................................................................................................
Informasi apa yang dinilai masih kurang dari Laporan Keberlanjutan ini dan perlu ditambahkan pada Laporan
7 Keberlanjutan mendatang?
What information is still lacking in this Sustainability Report and should be added in future Sustainability Reports?
.....................................................................................................................................................................................................................................................
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 237
Page 238
Identitas Pengirim
Sender Identity
Nama
:
Name
Email :
Identifikasi menurut kategori pemangku kepentingan
Identification by stakeholder category
1. Pemegang Saham/Investor 5. Karyawan
Shareholders/Investors Employees
2. Pemerintah/Regulator 6. Pemasok dan Mitra Usaha
Government/Regulators Suppliers and Business Partners
3. Masyarakat 7. Lain-lain, sebutkan
Public Others, please specify
4. Nasabah
Customers ...................................................................................................................
...
Mohon formulir ini dikirimkan kembali ke:
Kindly return this form to:
PT Bank Artha Graha Internasional Tbk
Gedung Artha Graha
Kawasan Niaga Terpadu Sudirman
Sudirman Central Business District (SCBD)
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan, 12190
Tel. : +62 21 515 2168 (H)
Fax. : +62 21 515 3892
Email : co_secretary@ag.co.id
Website : www.arthagraha.com
238 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Lain-lain
Others
Tanggapan Terhadap Umpan Balik Laporan
Tahun Sebelumnya [OJK G.3]
Response to Feedback Form on the Previous Year’s Report [OJK G.3]
Sepanjang periode 2025, tidak terdapat tanggapan Throughout 2025, there were no specific responses
spesifik dari pemangku kepentingan maupun regulator from stakeholders or regulators regarding the previous
atas Laporan Keberlanjutan tahun sebelumnya. Namun year’s Sustainability Report. Nevertheless, PT Bank
demikian, PT Bank Artha Graha Internasional Tbk tetap Artha Graha Internasional Tbk has continued to
melakukan berbagai penguatan narasi dan data agar strengthen both the narrative and data to ensure that
laporan kali ini sepenuhnya memenuhi ketentuan POJK this report fully complies with the provisions of POJK
No. 51/POJK.03/2017 dan SEOJK No.16/SEOJK.04/2021, No. 51/POJK.03/2017 and SEOJK No.16/SEOJK.04/2021,
serta standar internasional GRI Standards 2021, as well as international standards including GRI
Sustainable Banking Assessment (SUSBA) dan Standards 2021, Sustainable Banking Assessment
Sustainability Accounting Standards Board (SASB). (SUSBA), and the Sustainability Accounting Standards
Kami berharap laporan ini dapat menjadi sumber Board (SASB). We expect this report to serve as a
informasi yang komprehensif dan bermanfaat bagi comprehensive and valuable source of information for
seluruh pemangku kepentingan. all stakeholders.
Daftar Pengungkapan Sesuai POJK 51/
POJK.03/2017 [OJK G.4]
List of Disclosures in accordance with POJK 51/POJK.03/2017
No. Indeks Nama Indeks Hal.
Index Number Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
Penjelasan Strategi Keberlanjutan
A.1 16
Sustainability Strategy
Ikhtisar Kinerja Aspek Keberlanjutan
Sustainability Aspects Performance Highlights
Aspek Ekonomi
B.1 10, 11
Economic Aspect
Aspek Lingkungan Hidup
B.2 11, 12
Environmental Aspect
Aspek Sosial
B.3 13
Social Aspect
Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Keberlanjutan
C.1 48
Vision, Mission, and Sustainability Values
Alamat Perusahaan
C.2 45
Company Address
Skala Usaha 44,45,60,
C.3
Business Scale 64,65
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 44,52
Products, Services, and Business Activities Conducted
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 239
Page 240
No. Indeks Nama Indeks Hal.
Index Number Index Name Page
Keanggotaan pada Asosiasi
C.5 72
Membership in Associations
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
C.6 69
Significant Changes in the Company
Penjelasan Direksi
The Board of Directors’ Message
Penjelasan Direksi
D.1 22
The Board of Directors’ Message
Tata Kelola Keberlanjutan
Sustainability Governance
Penanggungjawab Penerapan Keuangan berkelanjutan
E.1 90
Person in Charge of Sustainable Finance Implementation
Pengembangan Kompetensi Terkait Keuangan berkelanjutan
E.2 92
Competency Development Related to Sustainable Finance
Penilaian Risiko Atas Penerapan Keuangan berkelanjutan
E.3 96
Risk assessment on the Sustainable Finance Implementation
Hubungan dengan Pemangku Kepentingan
E.4 105
Relations with Stakeholders
Permasalahan terhadap Penerapan Keuangan berkelanjutan
E.5 121
Issues against the Sustainable Finance Implementation
Kinerja Keberlanjutan
Sustainability Performance
Kegiatan Membangun Budaya Keberlanjutan
F.1 39
Activities to Build a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi,
Pendapatan dan Laba Rugi
F.2 132
Comparison of Production Targets and Performance, Portfolios, Financing Targets, or
Investments, Income and Profit and Loss
Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi Pada Instrumen
Keuangan atau Proyek yang Sejalan dengan Penerapan Keuangan Berkelanjutan
F.3 136
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in
Financial Instruments or Projects that are In Compliance with Sustainability
Kinerja Lingkungan Hidup
Environmental Performance
Aspek Umum
General Aspect
Biaya Lingkungan Hidup
F.4 232
Environmental Costs
Aspek Material
Material Aspect
Penggunaan Material yang Ramah Lingkungan
F.5 220
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
240 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Page 241
Lain-lain
Others
No. Indeks Nama Indeks Hal.
Index Number Index Name Page
Jumlah dan Intensitas Energi yang Digunakan 221, 222,
F.6
Amount and Intensity of Energy Used 223. 224
Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
F.7 221, 224
Efforts and Achievements in Energy Efficiency and the Use of Renewable Energy
Aspek Air
Water Aspect
Penggunaan Air
F.8 230
Water Usage
Aspek Keanekaragaman Hayati
Biodiversity Aspect
Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki
Keanekaragaman Hayati
F.9 231
Impact of Operational Areas Nearby or Located in Conservation Areas or Those Having
Biodiversity
Usaha Konservasi Keanekaragaman Hayati
F.10 231
Biodiversity Conservation Efforts
Aspek Emisi
Emissions Aspect
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya 225, 226,
F.11
Total and Intensity of Emissions Generated by Type 227
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
F.12 221, 226
Efforts and Achievements in Emission Reduction Undertaken
Aspek Limbah Dan Efluen
Waste and Effluent Aspect
Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
F.13 230, 231
Total Waste and Effluent Generated by Type
Mekanisme Pengelolaan Limbah dan Efluen
F.14 230
Effluent and Waste Management Mechanism
Tumpahan yang Terjadi (Jika Ada)
F.15 231
Spills Occurred (If Any)
Aspek Pengaduan Terkait Lingkungan Hidup
Complaint Aspect Related to the Environment
Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
F.16 232
Number and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Performance
Komitmen LJK, Emiten, atau Perusahaan Publik untuk Memberikan Layanan Atas Produk dan/
atau Jasa yang Setara Kepada Konsumen
F.17 Commitment of Financial Services Institutions, Issuers, or Public Companies to Provide Equal 199
Services for Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
Kesetaraan Kesempatan Bekerja
F.18 172
Equal Employment Opportunity
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 242
No. Indeks Nama Indeks Hal.
Index Number Index Name Page
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 172
Child Labor and Forced Labor
Upah Minimum Regional
F.20 177
Regional Minimum Wage
Lingkungan Bekerja yang Layak Dan Aman
F.21 190
Decent and Safe Working Environment
Pelatihan dan Pengembangan Kemampuan Pegawai
F.22 182, 183
Employee Training and Competency Development
Aspek Masyarakat
Community Aspect
Dampak Operasi Terhadap Masyarakat Sekitar
F.23 152
Impact of Operations on Surrounding Communities
Pengaduan Masyarakat
F.24 168
Public Complaints
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
F.25 156
Environmental Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibility for Sustainable Product/Service Development
Inovasi dan Pengembangan Produk/Jasa Keuangan berkelanjutan
F.26 202
Innovation and Development of Sustainable Finance Products/Services
Produk/Jasa Yang Sudah Dievaluasi Keamanannya Bagi Pelanggan
F.27 206
Products/Services Evaluated for Customer Safety
Dampak Produk/Jasa
F.28 207
Product/Service Impacts
Jumlah Produk yang Ditarik Kembali
F.29 208
Number of Recalled Products
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
F.30 212
Customer Satisfaction Survey on Sustainable Finance Products and/or Services
Lain-lain
Others
Verifikasi Tertulis dari Pihak Independen (jika Ada)
G.1 236
Written Verification from Independent Party (if any)
Lembar Umpan Balik
G.2 237
Feedback Form
Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
G.3 239
Response to Feedback Form on Previous Year's Sustainability Report
Daftar Pengungkapan Sesuai POJK 51/2017 tentang Penerapan Keuangan Berkelanjutan bagi
Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik
G.4 List of Disclosures in accordance with OJK Regulation No. 51/POJK.03/2017 on the 239
Implementation of Sustainable Finance for Financial Services Institutions, Issuers and Public
Companies.
242 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Page 243
Lain-lain
Others
Indeks Konten GRI Standard 2021
GRI Standard Content Index 2021
PT Bank Artha Graha Internasional Tbk telah melaporkan informasi yang dikutip dalam indeks
Pernyataan penggunaan konten GRI ini untuk periode 1 Januari 2025-31 Desember 2025 sesuai dengan Standard GRI.
Statement of use PT Bank Artha Graha Internasional Tbk has reported in accordance with the GRI Standards for
the period of January 1, 2025 to December 31, 2025.
GRI 1 GRI 1: Landasan 2021
GRI 1 used GRI 1: Foundation 2021
GRI Sektor Standards
Applicable GRI Sector Standard(s)
Pengecualian
Omission
Pengungkapan
Standard GRI Halaman Persyaratan
Disclosure
GRI Standard Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI Pengungkapan Detail Organisasi 44,45,48,
2-1
Umum 2021 Organizational details 60
GRI 2: General Entitas yang tercakup dalam
Disclosures 2021 pelaporan keberlanjutan organisasi
2-2 Entities included in the 33
organization’s sustainability
reporting
Periode pelaporan, frekuensi dan
titik kontak
2-3 32, 33, 39
Reporting period, frequency and
contact point
Pernyataan ulang informasi
2-4 38
Restatements of information
Penjaminan eksternal
2-5 38
External assurance
Kegiatan, rantai nilai, dan hubungan
bisnis lainnya 50, 52, 60,
2-6
Activities, value chain and other 67, 69
business relationships
Karyawan
2-7 65
Employees
Pekerja yang Bukan Pekerja
2-8 Langsung 66
Workers who are not employees
Struktur dan komposisi tata kelola
2-9 G ove r n a n c e s t r u c t u r e a n d 78, 79
composition
Nominasi dan seleksi untuk badan
tata kelola tertinggi
2-10 104
Nomination and selection of the
highest governance body
Pejabat tata kelola tertinggi
2-11 Chair of the highest governance 78
body
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Page 244
Pengecualian
Omission
Pengungkapan
Standard GRI Halaman Persyaratan
Disclosure
GRI Standard Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
Peran pejabat tata kelola tertinggi
dalam memantau dampak
manajemen
2-12 81, 84
Role of the highest governance
body in overseeing the
management of impacts
Pendelegasian tanggung jawab
untuk mengelola dampak
2-13 81, 90
Delegation of responsibility for
managing impacts
Peran badan tata kelola tertinggi
dalam pelaporan keberlanjutan
2-14 91
Role of the highest governance
body in sustainability reporting
Konflik kepentingan
2-15 108
Conflicts of interest
Komunikasi keprihatinan kritis
2-16 Communication of critical 114
concerns
Pengetahuan kolektif badan tata
kelola tertinggi
2-17 92
Collective knowledge of the
highest governance body
Evaluasi kinerja badan tata kelola
tertinggi
2-18 95
Evaluation of the performance of
the highest governance body
Kebijakan Remunerasi
2-19 104, 105
Remuneration policies
Proses penentuan remunerasi
2-20 Process to determine 104, 105
remuneration
Rasio kompensasi total tahunan
2-21 105
Annual total compensation ratio
Pernyataan tentang strategi
pembangunan berkelanjutan
2-22 16, 22
Statement on sustainable
development strategy
Komitmen kebijakan
2-23 96, 115
Policy commitments
Komitmen dalam menanamkan
2-24 kebijakan 110
Embedding policy commitments
244 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 245
Lain-lain
Others
Pengecualian
Omission
Pengungkapan
Standard GRI Halaman Persyaratan
Disclosure
GRI Standard Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
Proses untuk memulihkan dampak
negatif
2-25 90, 115
Processes to remediate negative
impacts
Mekanisme untuk mencari nasihat
dan menyampaikan kekhawatiran
2-26 114
Mechanisms for seeking advice
and raising concerns
Kepatuhan terhadap hukum dan
peraturan 112, 142, 201,
2-27
Compliance with laws and 209
regulations
Keanggotaan asosiasi
2-28 72
Membership associations
Pendekatan terhadap keterlibatan
pemangku kepentingan
2-29 105
Approach to stakeholder
engagement
Perjanjian perundingan kolektif
2-30 186
Collective bargaining agreements
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI 3: Proses untuk menentukan topik
Topik Material 2021 material
34
GRI 3: Material Process to determine material
Topics 2021 topics
Daftar topik material
34
List of material topics
Pengungkapan Standar Khusus
Specific Standard Disclosures
Topik Ekonomi
Economic Topics
Kinerja Ekonomi
Economic Performance
GRI 3: Topik
Manajemen topik material
Material 2021 34,128,143,
3-3
GRI 3: Material 148, 149
Management of material topics
Topics 2021
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 245
Page 246
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI 201: Kinerja Nilai ekonomi langsung yang
Ekonomi 2016 dihasilkan dan didistribusikan
201-1 134
Direct economic value
generated and distributed
Implikasi finansial serta risiko
dan peluang lain akibat dari
perubahan iklim
201-2 145, 146, 147
Financial implications and other
risks and opportunities due to
climate change
Kewajiban program pensiun
manfaat pasti dan program
201-3 pensiun lainnya 148
Defined benefit plan obligations
and other retirement plans
Bantuan finansial yang diterima
dari pemerintah
201-4 149
Financial assistance received
from the government
Keberadaan Pasar
Market Presence
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 34,67, 176
GRI 3: Material Management of material topics
Topics 2021
GRI 202: Rasio standar upah karyawan
Keberadaan Pasar e n t r y - l eve l b e rd a s a r k a n
2016 jenis kelamin terhadap upah
GRI 202: Market 202-1 minimum regional 177
Presence 2016 Ratios of standard entry level
wage by gender compared to
local minimum wage
Proporsi manajemen senior
yang berasal dari masyarakat
lokal
202-2 67
Proportion of senior
management hired from the
local community
Praktik Pengadaan
Procurement Practices
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 35,67, 68
GRI 3: Material Management of material topics
Topics 2021
246 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 247
Lain-lain
Others
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI 204: Praktik
Proporsi pengeluaran untuk
Pengadaan 2016
pemasok lokal
GRI 204: 204-1 68
Proportion of spending on local
Procurement
suppliers
Practices 2016
ANTIKORUPSI
Anti-Corruption
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 35,111
GRI 3: Material Management of material topics
Topics 2021
GRI 205: Operasi-operasi yang dinilai
Antikorupsi 2016 memiliki risiko terkait korupsi
205-1 112
GRI 205: Anti- Operations assessed for risks
Corruption 2016 related to corruption
Komunikasi dan pelatihan
tentang kebijakan dan prosedur
antikorupsi
205-2 112
Communication and training
about anti-corruption policies
and procedures
Insiden korupsi yang terbukti
dan tindakan yang diambil
205-3 112
Confirmed incidents of
corruption and actions taken
Topik Lingkungan
Environmental Topics
Energi
Energy
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 35,220
GRI 3: Material Management of material topics
Topics 2021
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 248
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI 302: Energi Ko n s u m s i e n e r g i d a l a m
2016 organisasi
302-1 221, 223
GRI 302: Energy Energy consumption within the
2016 organization
Konsumsi energi di luar
organisasi
302-2 223, 224
Energy consumption outside
the organization
Intensitas energi
302-3 222
Energy intensity
Pengurangan konsumsi energi
302-4 Reduction of energy 221, 224
consumption
Pengurangan pada energi yang
dibutuhkan untuk produk dan
jasa.
302-5 221
Reductions in energy
requirements of products and
services.
Topik Sosial
Social Topics
Kepegawaian
Employment
GRI 3: Topik
Material 2021
Manajemen topik material 36,170, 171,
3-3
Management of material topics 173, 175
GRI 3: Material
Topics 2021
GRI 401: Perekrutan karyawan baru dan
Kepegawaian 2016 pergantian karyawan
401-1 173, 174, 175
New employee hires and
employee turnover
Tunjangan yang diberikan
kepada karyawan purnawaktu
yang tidak diberikan kepada
karyawan sementara atau paruh
401-2 waktu 178
Benefits provided to full-
time employees that are not
provided to temporary or part-
time employees
Cuti melahirkan
401-3 180
Parental leave
248 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 249
Lain-lain
Others
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
Kesehatan dan Keselamatan Kerja
Occupational Health and Safety
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 36,, 190
GRI 3: Material Management of material topics
Topics 2021
GRI 403: Kesehatan Sistem manajemen keselamatan
dan Keselamatan dan kesehatan kerja
403-1 192, 193
Kerja 2018 Occupational health and safety
GRI 403: management system
Occupational
Health and Safety Identifikasi bahaya, penilaian
2018 risiko, dan investigasi insiden
403-2 Hazard identification, risk 193
assessment , and incident
investigation
Layanan kesehatan kerja
403-3 192, 194
Occupational health services
Partisipasi, konsultasi, dan
komunikasi pekerja tentang
keselamatan dan kesehatan
kerja
403-4 192
Wo r ke r p a r t i c i p a t i o n ,
consultation, and
communication on occupational
health and safety
Pelatihan bagi pekerja mengenai
keselamatan dan kesehatan
403-5 kerja 194
Worker training on occupational
health and safety
Peningkatan kualitas kesehatan
403-6 pekerja 192, 194
Promotion of worker health
Pencegahan dan mitigasi
dampak dari keselamatan dan
kesehatan kerja yang secara
langsung terkait hubungan
403-7 bisnis 192, 193
Prevention and mitigation of
occupational health and safety
impacts directly linked to
business relationships
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Page 250
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
Pekerja yang tercakup dalam
sistem manajemen keselamatan
dan kesehatan kerja
403-8 193
Workers covered by an
occupational health and safety
management system
Kecelakaan kerja
403-9 195
Work-related injuries
Penyakit akibat kerja
403-10 195
Work-related ill health
Pelatihan dan Pendidikan
Training and Education
GRI 3: Topik
Material 2021 Manajemen topik material 37, 180,
3-3
GRI 3: Material Management of material topics 185
Topics 2021
GRI 404: Pelatihan Rata-rata jam pelatihan per
dan Pendidikan tahun per karyawan
404-1 183, 184
2016 Average hours of training per
GRI 404: Training year per employee
and Education
2016 Program untuk meningkatkan
keterampilan karyawan dan
program bantuan peralihan
404-2 182
P rog r a m s f o r u pg r a d i n g
employee skills and transition
assistance programs
Persentase karyawan
yang menerima tinjauan
rutin terhadap kinerja dan
pengembangan karir
404-3 185
Percentage of employees
receiving regular performance
and career development
reviews
Keanekaragaman dan Kesempatan Setara
Diversity and Equal Opportunity
GRI 3: Topik
Material 2021 Manajemen topik material 37,171,
3-3
GRI 3: Material Management of material topics 172
Topics 2021
GRI 405: Keanekaragaman badan tata
Keanekaragaman kelola dan karyawan
405-1 172, 176
dan Kesempatan Diversity of governance bodies
Setara 2016 and employees
GRI 405: Diversity Rasio gaji pokok dan remunerasi
and Equal perempuan dibandingkan laki-
Opportunity 2016 405-2 laki 177
Ratio of basic salary and
remuneration of women to men
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Page 251
Lain-lain
Others
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
Kebebasan Berserikat dan Perundingan Kolektif
Freedom of Association and Collective Bargaining
GRI 3: Topik
Manajemen topik material
Material 2021
3-3 37,186
GRI 3: Material
Management of material topics
Topics 2021
GRI 407:
Operasi dan pemasok di mana
Kebebasan
hak atas kebebasan berserikat
Berserikat dan
dan perundingan kolektif
Perundingan
mungkin berisiko
Kolektif 2016 407-1 186
Operations and suppliers in
GRI 407: Freedom
which the right to freedom
of Association
of association and collective
and Collective
bargaining may be at risk
Bargaining 2016
Masyarakat Lokal
Local Communities
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 37,152, 154
GRI 3: Material Management of material topics
Topics 2021
GRI 413: Masyarakat Operasi dengan keterlibatan
Lokal 2016 masyarakat lokal, penilaian
GRI 413: Local dampak, dan program
Communities 2016 pengembangan
413-1 156
Operations with local
community engagement ,
impact assessments, and
development programs
Operasi yang secara aktual
dan yang berpotensi memiliki
dampak negatif signifikan
413-2 terhadap masyarakat lokal 168
Operations with significant
actual and potential negative
impacts on local communities
Pemasaran dan Pelabelan
Marketing and Labeling
GRI 3: Topik
Material 2021 Manajemen topik material 38,200,
3-3
GRI 3: Material Management of material topics 201, 202
Topics 2021
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Page 252
Pengecualian
Omission
Topik Material Pengungkapan Halaman Persyaratan
Material Topics Disclosure Page yang
Alasan Penjelasan
Dikecualikan
Reason Explanation
Requirement(s)
Omitted
GRI 417: Pemasaran Persyaratan untuk pelabelan
dan Pelabelan 2016 dan informasi produk dan jasa
417-1 200
GRI 417: Marketing Requirements for product and
and Labeling 2016 service information and labeling
Insiden ketidakpatuhan terkait
informasi dan pelabelan produk
dan jasa
417-2 201
Incidents of non-compliance
concerning product and service
information and labeling
Insiden ketidakpatuhan terkait
komunikasi pemasaran
417-3 Incidents of non-compliance 202
concerning marketing
communications
Privasi Pelanggan
Customer Privacy
GRI 3: Topik
Material 2021 Manajemen topik material
3-3 38,208
GRI 3: Material Management of material topics
Topics 2021
GRI 418: Privasi Pengaduan yang berdasar
Pelanggan 2016 mengenai pelanggaran
GRI 418: Customer terhadap privasi pelanggan dan
Privacy 2016 hilangnya data pelanggan
418-1 208, 209
Substantiated complaints
concerning breaches of
customer privacy and losses of
customer data
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Sustaining Stability, Driving Growth
Page 253
Lain-lain
Others
Keselarasan Laporan Keberlanjutan/
Tahunan dengan Metrik ESG IDX
Alignment of Sustainability/Annual Reports with IDX ESG Metrics
Halaman
di Laporan
Keberlanjutan/
Kinerja Kode Nama Metrik Tahunan
Performance Code Metric Name Page in the
Sustainability/
Annual Report
Lingkungan Laporan Emisi Gas Rumah Kaca
E-01 225, 226
Environmental Greenhouse Gas Emissions Report
Intensitas Emisi Gas Rumah Kaca
E-02 227
Greenhouse Gas Emissions Intensity
Konsumsi Energi Listrik
E-03 221
Electric Energy Consumption
Konsumsi Air
E-04 230
Water Consumption
Limbah yang Dihasilkan
E-05 231
Waste Generated
Komitmen Perusahaan untuk Mencapai Target Net Zero Emission
E-06 224,225
Company Commitment to Achieving Net Zero Emission Target
Komitmen Perusahaan untuk mengurangi Emisi Gas Rumah Kaca
E-07 225
Company Commitment to Reduce Greenhouse Gas Emissions
Sosial Kesetaraan Gender
S-01 65
Social Gender Equality
Pegawai Berdasarkan Gender dan Kelompok Umur
S-02 65
Employee by Gender and Age Group
Tingkat Pergantian Pegawai
S-03 175
Employee Turnover Rate
Jumlah Pegawai Sementara
S-04 66
Number of Temporary Employees
Pelatihan dan Pengembangan Pegawai
S-05 184
Employee Training and Development
Jumlah Kecelakaan Kerja
S-06 195
Number of Work Accidents
Kejadian Pelanggaran Hak Asasi Manusia
S-07 172
Human Rights Violation Incidents
Kebijakan Pelecehan Seksual dan/atau Non-diskriminasi
S-08 172
Sexual Harassment and/or Non-Discrimination Policy
Kebijakan Mengenai Hak Asasi Manusia
S-09 172
Policy on Human Rights
Kebijakan Pekerja Anak dan/atau Pekerja Paksa
S-10 172
Child Labor and/or Forced Labor Policy
Kebijakan Mengenai Kesehatan dan Keselamatan Kerja serta Lingkungan
Kerja yang Aman dan Latak diberikan Kepada Seluruh Karyawan
S-11 190
The Policy Regarding Occupational Health and Safety and a Safe and
Secure Work Environment is Provided to All Employees
S-12 Corporate Social Responsibility 156
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Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 253
Page 254
Halaman
di Laporan
Keberlanjutan/
Kinerja Kode Nama Metrik Tahunan
Performance Code Metric Name Page in the
Sustainability/
Annual Report
Tata Kelola Keberagaman Manajemen dan Independensi
G-01 89
Governance Management Diversity and Independence
Total Kehadiran Direksi dan Komisaris ke Rapat Dewan
G-02 89
Total Attendance of Directors and Commissioners to Board Meetings
Kebijakan Pemisahan Chairman of the Board dan CEO
G-03 78, 95
Chairman of the Board and CEO Separation Policy
Kebijakan Penilaian Dewan Direksi dan Komisaris
G-04 95
Board of Directors and Commissioners Assessment Policy
Kebijakan Pelatihan Dewan Direksi dan Komisaris
G-05 95
Board of Directors and Commissioners Training Policy
Kriteria khusus pemilihan Dewan
G-06 105
Special Criteria for Election of the Board
Kode etik dan/atau antikorupsi
G-07 108
Code of Ethics and/or Anti-Corruption
Kebijakan perlakuan adil terhadap pemegang saham
G-08 79
Fair Treatment Policy for Shareholders
Pencegahan konflik kepentingan
G-09 89
Conflict of Interest Prevention
254 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Lain-lain
Others
Sustainable Banking Assessment (SUSBA)
Code Purpose - Sustainability Strategy and Stakeholder Engagement Page
1.1.1.1 Is there a clear reference to sustainability in the bank’s strategy and long-term vision 16
Does the leadership statement make reference to the integration of ESG factors in the bank’s
1.1.1.3 16
business strategy?
Is there a clear reference to sustainable development goals (SDGs) in the bank’s strategy or
1.1.1.4 16, 156
vision?
Does the bank explicitly acknowledge the societal and economic risks associated with climate
1.1.1.5 143
change?
Does the bank explicitly acknowledge the societal and economic risks associated with
1.1.1.6 217
environmental degradation?
1.1.1.7 Does the bank disclose the types of Stakeholders it engages with on ESG issues? 105
Does the bank engage with civil society and/or non-governmental organisations to understand
1.1.1.8 105
the ESG impacts of its business activities?
1.1.1.9 Does the bank disclose the frequency and mode of communication with Stakeholders? 105
Has the bank identified responsible financing/lending and/or other
1.1.1.10 103
key E&S issues as material?
Purpose - Participation in Sustainable Finance Initiatives
Does the bank engage with regulators and policy makers on ESG integration and/or sustainable
1.1.2.2 16, 105
finance topics?
Policies – Public Statements On Specific ESG Issues
Does the bank have exclusionary principles covering activities the bank will not support, taking
1.2.1.1 103
into account ESG considerations?
Does the bank acknowledge biodiversity loss and/or deforestation risks in its
1.2.1.4 103, 217
clients’ activities?
Does the bank have a commitment not to provide financial products and services to projects
1.2.1.7 217
or companies located in, or having negative impacts on, UNESCO World Heritage Sites?
Does the bank recognize human rights risks, including those related to local communities, in its
1.2.1.10 103
clients’ activities?
1.2.1.12 Does the bank recognize labour rights violations as a risk across all sectors? 103
Policies – Public Statements On Specific Sectors
Does the bank disclose its requirements/policies for environmentally or
1.2.2.2 217
socially sensitive sectors?
Do the bank’s E&S policies include minimum requirements or recommendations based on
1.2.2.3 internationally recognized standards for best E&S practices (e.g. IFC Performance Standards, 217
RSPO, FSC, etc.)?
Processes - Assessing Esg Risks In Client & Transaction Approvals
Does the bank use standardized frameworks for E&S due diligence
1.3.1.1 (e.g. tools, checklists, questionnaires, external data providers) when reviewing clients or 217
transactions subject to its policies?
Does the bank assess its clients’ capacity, commitment, and track record as part of its E&S
1.3.1.2 217
due diligence process?
As part of the approval process does the bank classify its clients and transactions based on
1.3.1.3 217
E&S risk assessment?
1.3.1.5 Do the E&S risk assessment outcomes influence transaction and client acceptance decisions? 217
People - Responsibilities For ESG
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
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Page 256
Code Purpose - Sustainability Strategy and Stakeholder Engagement Page
1.4.1.1 Is senior management responsible for the implementation of the bank’s ESG strategy? 103
Do senior management’s responsibilities include management of climate change risks and
1.4.1.2 103
opportunities relevant to the bank’s activities?
Does the bank describe the roles and responsibilities of the various departments, committees
1.4.1.3 90, 103
or teams involved in developing and implementing its E&S policies?
Has the bank put in place an internal control system with three lines of defence to manage E&S
1.4.1.4 103
issues?
Do the terms of reference of the Audit committee require sustainability-related matters to be
1.4.1.7 96
included in internal control and audit processes?
Does the bank implement periodic audits to assess implementation of E&S
1.4.1.8 96
policies and procedures?
People - Staff E&S Training And Performance Evaluation
1.4.2.1 Does the bank have a dedicated ESG team to implement E&S policies and procedures? 90
1.4.2.2 Does the bank train its staff on E&S policies and implementation processes? 92
Does the bank provide specific training for its senior management, covering sustainability
1.4.2.3 92
issues?
Products – ESG Integration In Products And Services
Does the bank offer specific financial products and services (e.g. green bonds, sustainability-
1.5.1.2 linked loans, impact financing) that support the mitigation of E&S issues, e.g. climate change, 137
water scarcity and pollution, deforestation?
Does the bank allocate specific pools of capital or set targets to increase the share of its
1.5.1.3 10, 136
financing that supports activities with a positive environmental or social impact?
Does the bank hold client outreach events to raise awareness and share on good E&S practices
1.5.1.4 137
(e.g. through joint workshops)?
256 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 257
Lain-lain
Others
Sustainability Accounting Standard
Commercial Banks (SASB)
Unit of
Topic Accounting Metric Category Code Page
Measure
1) Number of data breaches, (2)
Number,
percentage involving personally
Quantitative Percentage
identifiable information (PII), FN-CB-230a.1 209
(%)
(3) number of account holders
Data Security affected
Description of approach to
Discussion FN-CB-
identifying and addressing data n/a 209
and Analysis 230a.2
security risks
(1) Number and (2) amount of loans Number,
outstanding qualified to programs Quantitative Reporting
FN-CB-240a.1 137, 138
designed to promote small business currency
and community development
(1) Number and (2) amount of past
Number,
due and nonaccrual loans qualified
Quantitative Reporting FN-CB-
to programs designed 133
Financial currency 240a.2
to promote small business and
Inclusion & community development
Capacity
Building Number of no-cost retail checking
accounts provided to previously FN-CB-
Quantitative Number 136
unbanked or underbanked 240a.3
customers
Number of participants in financial
literacy initiatives for unbanked, FN-CB-
Quantitative Number 136, 166
underbanked, or 240a.4
underserved customers
Incorporation of
Environmental,
Social, and Commercial and industrial credit Reporting
Quantitative FN-CB-410a.1 136
Governance exposure, by industry currency
Factors in
Credit Analysis
Description of approach to
incorporation of environmental, Discussion
n/a FN-CB-410a.2 138
social, and governance (ESG) factors and Analysis
in credit analysis
Total amount of monetary losses as
a result of legal
proceedings associated with
Reporting
fraud, insider trading, anti-trust,
Quantitative currency FN-CB-510a.1 119
anti-competitive behavior, market
Business Ethics manipulation, malpractice, or other
related financial industry laws or
regulations
Description of whistleblower Discussion
n/a FN-CB-510a.2 115
policies and procedures and Analysis
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 257
Page 258
Unit of
Topic Accounting Metric Category Code Page
Measure
Basis
Global Systemically Important Bank points
Quantitative FN-CB-550a.1 -
(G-SIB) score, by category (bps)
Description of approach to
incorporation of results of
mandatory and voluntary stress
Discussion FN-CB-
Systemic Risk tests into capital adequacy n/a 96
and Analysis 550a.2
Management planning, long-term corporate
strategy, and other business
activities
(1) Number and (2) value of loans by
Number,
segment:
Reporting
(a) personal, (b) small business, and Quantitative FN-CB-000.B 10
currency
(c) corporate
258 PT Bank Artha Graha Internasional Tbk • Laporan Keberlanjutan 2025
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Sustaining Stability, Driving Growth
Page 259
Lain-lain
Others
Menguatkan Fondasi, Menapaki Pertumbuhan Berkelanjutan
Sustaining Stability, Driving Growth PT Bank Artha Graha Internasional Tbk • Sustainability Report 2025 259
Page 260
2025 Laporan Keberlanjutan
Sustainability Report
Bank Artha Graha Internasional Tbk
Gedung Artha Graha
Kawasan Niaga Terpadu Sudirman
Sudirman Central Business District (SCBD)
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan, 12190
T. +62 21 515 2168 • F. +62 21 515 3892 • Graha Call 0800-191-8880
www.arthagraha.com
Names mentioned 65 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Artha Internasionaldalammenguatkanfondasibisnisgunamendukung
p.3
unresolved
org
PT Bank Artha Graha
p.4 ×7
unresolved
org
Bank Compliance Culture
p.5
unresolved
org
Financial Services Authority
p.16 ×13
unresolved
org
PT Bank Artha
p.32 ×2
unresolved
org
Internasional Tbk
p.33
unresolved
person
Bagijo
p.44 ×2
unresolved
org
Menteri Kehakiman
p.44
unresolved
org
Menteri Hukum dan Hak Asasi Manusia
p.44
unresolved
person
Christina Susanto
p.44 ×2
unresolved
person
Eliza Pondaag
p.44
unresolved
org
Minister of Justice
p.44
unresolved
org
Minister of Law and Human Rights
p.44
unresolved
org
PT Pirus Platinum Murni
p.44
unresolved
org
PT Cerana Arthaputra
p.44
unresolved
—
(As of December 31, 2025)
p.44
unresolved
org
PT Arthamulia Sentosajaya
p.44
unresolved
org
PT Karya Nusantara Permai
p.44
unresolved
org
Indonesia Stock Exchange
p.45 ×2
unresolved
org
Menteri Keuangan Republik Indonesia
p.45
unresolved
org
Minister of Finance
p.45
unresolved
org
Bank Devisa Surat Keputusan Direksi Bank Indonesia
p.45
unresolved
org
Bank Indonesia
p.45 ×15
unresolved
org
Bank Decree
p.45
unresolved
org
Bank Artha Graha Internasional Menguatkan Fondasi
p.45
unresolved
org
PT Inter-Pacific Financial
p.46
unresolved
org
PT Inter-Pacific Financial Corporation
p.46
unresolved
org
Inter-Pacific Bank Tbk.
p.46 ×4
unresolved
org
PT Bank Artha Perusahaan
p.46
unresolved
org
Graha Internasional Tbk.
p.46
unresolved
org
Bank Values Nilai-nilai
p.49
unresolved
org
Bank Indonesia Certificate
p.50
unresolved
org
Ministry of Public Works
p.55
unresolved
org
Kementerian Pekerjaan Umum dan Perumahan Rakyat
p.55
unresolved
org
Bank Garansi
p.55
unresolved
org
Bank Digital Bank Services Digital Apps
p.56
unresolved
org
Bank Indonesia. API
p.56
unresolved
org
Bank Artha Graha International
p.71 ×2
unresolved
—
Anti-Scam Centre
· Direktur
p.73
unresolved
org
Finance Corporation
p.73
unresolved
person
Pedoman
· Komisaris
p.81
unresolved
org
Bank Artha Graha Building
p.117
unresolved
org
Bank Bank Compliance Culture
p.121
unresolved
org
Keberlanjutan Sustainability Report Bank Artha Graha Internasional Tbk
p.260
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