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Laporan Keberlanjutan
Sustainability Report
2025
Transformation
and Performance
for Sustainable
Growth
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Transformation and Performance
for Sustainable Growth
Tema ini mencerminkan pendekatan Bank Mayapada dalam mengintegrasikan
transformasi strategis dengan percepatan kinerja untuk mewujudkan pertumbuhan
yang berkelanjutan. Transformasi digital di berbagai proses dan layanan,
penguatan tata kelola internal, serta pembentukan Tim Sustainable Finance
menjadi fondasi yang memperkuat adaptabilitas dan ketahanan organisasi di
tengah dinamika industri perbankan. Upaya transformasi ini disinergikan dengan
strategi peningkatan penjualan, optimalisasi kemitraan bisnis, dan penguatan
Pernyataan manajemen risiko untuk memperluas jangkauan pasar dan menjaga stabilitas
Laporan Keberlanjutan ini memuat rencana, proyeksi, strategi, dan sasaran kinerja. Melalui sinergi antara transformasi dan percepatan performa, Bank
dan tujuan Perseroan yang merupakan pernyataan mengenai masa depan Mayapada senantiasa berkomitmen dalam menciptakan pertumbuhan jangka
dan bukan merupakan fakta historis. Pernyataan tersebut mengandung
risiko dan ketidakpastian yang dapat menyebabkan kondisi dan hasil
panjang yang bertanggung jawab, kompetitif, dan memberikan nilai berkelanjutan
aktual Perseroan di masa mendatang berbeda dari yang diungkapkan. Oleh bagi para pemangku kepentingan.
karena itu, Perseroan tidak memberikan jaminan atas tercapainya hasil
sebagaimana diindikasikan dalam pernyataan tersebut.
This theme reflects Bank Mayapada’s approach in integrating strategic transformation
Laporan Keberlanjutan ini memuat kata “Bank Mayapada” dan “Perseroan” with performance acceleration to achieve sustainable growth. Digital transformation
yang didefinisikan sebagai PT Bank Mayapada Internasional Tbk yang across various processes and services, the strengthening of internal governance,
menjalankan usaha di bidang perbankan.
and the establishment of a Sustainable Finance Team serve as the foundation for
Disclaimer enhancing the organization’s adaptability and resilience amid the dynamics of the
This Sustainability Report contains the Company’s plans, projections,
banking industry. These transformation efforts are synergized with strategies to
strategies, and objectives, which constitute forward-looking statements increase sales, optimize business partnerships, and strengthen risk management
and are not historical facts. These statements are subject to risks and in order to expand market reach and maintain performance stability. Through the
uncertainties that could cause the Company’s actual conditions and results
to differ materially from those described. Accordingly, the Company makes no
synergy between transformation and performance acceleration, Bank Mayapada
guarantee regarding the achievement of such results. always commited to creating long-term growth that is responsible, competitive, and
delivers sustainable value to stakeholders.
This Sustainability Report contains the words “Bank Mayapada” and
“Company” which are defined as PT Bank Mayapada Internasional Tbk which
conducts business in the banking sector.
Laporan Keberlanjutan 2025 Laporan Keberlanjutan 2025
2 2025 Sustainability Report 2025 Sustainability Report 3
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Ikhtisar Kinerja Keberlanjutan 6 Sustainability Performance Highlights
Penjelasan Direksi 10 The Board of Director’s Statement
Strategi Keberlanjutan 14 Sustainability Strategy
Tentang Laporan Keberlanjutan 15 About Sustainability Report
Profil Bank Mayapada 27 Bank Mayapada Profile
Tata Kelola Keberlanjutan 38 Sustainability Governance
Daftar Isi
Kinerja Keberlanjutan 49 Sustainability Performance
Table of Contents Kinerja Ekonomi 50 Economic Performance
Kinerja Sosial 57 Social Performance
Kinerja Lingkungan 69 Environmental Performance
Tanggung Jawab Pengembangan Responsibility for the Development of
74
Produk dan/atau Jasa Keuangan Sustainable Financial Products and/or
Berkelanjutan Services
Referensi POJK POJK No. 51/POJK.03/2017
80
No. 51/POJK.03/2017 Reference
Indeks Standar GRI 83 GRI Standard Index
Lembar Umpan Balik 87 Feedback Form
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4 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 5
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Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Rp12.88 Rp29.98 9.81% 2,276 Jam
Hours 98.64% Rp25.91
Triliun - Trillion Miliar - Billion Miliar - Billion
Jumlah jam pelatihan Survei kepuasan Penyaluran bantuan
Pendapatan bunga Laba tahun berjalan Peningkatan DPK karyawan selama nasabah kepada masyarakat
Interest income Profit for the year Increase in third-party setahun Customer satisfaction Community investment
funds Total employee training survey
hours
22.6% 1.01% 1% 100% 945 12.4
Giga Joule (GJ) GJ/Rp Milliar
Pertumbuhan portofolio Persentase kredit UKM Total portofolio Kategori GJ/Rp Billion
KKUB 2025 terhadap terhadap total kredit Kegiatan Usaha
2024 Percentage of SME loans Berkelanjutan (KKUB) Pemasok lokal Pengurangan konsumsi Intensitas konsumsi
Growth of the Sustainable to total loans terhadap total kredit Local suppliers energi listrik energi per pendapatan
Financing portfolio in Percentage of Sustainable Electricity consumption Energy intensity per
2025 compared to 2024 Financing (KKUB) portfolio reduction revenue
to total loans
57.40% 9.44% Rp1.079 2.08 186 (-2.4%) 36.29%
Ton CO2eq/Rp Milliar Ton CO2eq
Miliar - Billion Tonnes of CO2eq/Rp Billion Tonnes of CO2eq
Persentase karyawan Persentase perputaran Kegiatan Usaha
perempuan karyawan di tahun 2025 Berkelanjutan (KKUB) Intensitas emisi Pengurangan emisi GRK Pengurangan
dibandingkan total Percentage of employee Sustainable Financing GRK dihasilkan per GHG emissions penggunaan kertas (rim)
karyawan turnover in 2025 (KKUB) pendapatan reduction di Kantor Pusat
Percentage of female GHG emissions intensity Reduction of paper
employees compared to per revenue usage (reams) at Head
total employees Office
Laporan Keberlanjutan 2025 Laporan Keberlanjutan 2025
6 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 7
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Ikhtisar Kinerja Keberlanjutan
Sustainability Performance Highlights
Kinerja Aspek Ekonomi
Economic Aspect Performance Kinerja Aspek Lingkungan
Environmental Aspect Performance
Uraian - Description Satuan - Unit 2025 2024 2023
Uraian - Description Satuan - Unit 2025 2024 2023
Pendapatan bunga bersih
3,166.16 2,338.42 1,895.75 Penggunaan energi - Energy usage
Net interest income
- Listrik - Electricity kWh 5,824,537 6,086,955* 249,985
Laba tahun berjalan - BBM - Fuel Liter 715,017 595,060* 27,007
29.98 25.57 22.10
Profit for the year
Penggunaan energi - Energy usage GJ 45,382 42,127
Penyaluran kredit (kredit bruto) Rp Miliar
108,151.75 106,532.46 103,530.28 Intensitas energi per pendapatan - GJ/Rp Miliar
Loan disbursement (gross loans) Rp Billion 12.40 17.36
Energy intensity per revenue GJ/Rp Billion
Penyaluran kredit UKM
1,094.37 1,250.42 1,080.24 Emisi yang dihasilkan - Emissions generated
SME loan disbursement
• Cakupan 1 - Scope 1 1,732 1,429
Dana pihak ketiga (DPK) Ton CO2e
138,776.19 126,372.79 116,597.26 • Cakupan 2 - Scope 2 4,810 5,026
Third-party funds • Cakupan 3 Operasional - Scope 3 Operational 1,083 1,357
Intensitas emisi (Cakupan 1, 2, 3 Operasional) - Ton CO2e/Rp Miliar
2.08 3.22
Emissions intensity (Scope 1, 2, 3 Operational) Tonnes of CO2e/Rp Billion
Penggunaan kertas - Paper usage Rim/ Ream 1,903 2,952 2,920
Kinerja Aspek Sosial
Social Aspect Performance Penanaman pohon Pohon
61 292 463
Tree planting Trees
Uraian - Description Satuan - Unit 2025 2024 2023
Keterangan | Note:
*) Penyajian kembali karena adanya perluasan cakupan perhitungan.
Kinerja Internal - Internal Performance Pada tahun 2025, Bank Mayapada melakukan perubahan metodologi dan perluasan cakupan perhitungan energi dan emisi.
Karyawan perempuan dibanding total karyawan Sejalan dengan itu, data tahun 2023 tidak tersedia untuk diungkapkan.
% 57.40 57.42 55.69 Penggunaan kertas mencakup Kantor Pusat dan Kantor Cabang Bogor.
Female employees to total employees
*) Restatement following the expansion of the calculation scope.
In 2025, Bank Mayapada revised its methodology and expanded the scope of energy and emissions calculations. Accordingly, data
Peserta pelatihan - Training participants* Orang/People 2,643 9,841 12,931
for 2023 is not available for disclosure.
Paper usage include of Head office and Bogor Branch Office.
Total jam pelatihan Jam
2,276 3,119 5,679
Total training hours Hour
Penghargaan terkait Kinerja Keberlanjutan di 2025
Peserta edukasi literasi keuangan Orang Awards related to sustainability performance in 2025
582 586 481
Financial literacy participants People
Persentase penyelesaian pengaduan nasabah Penyelenggara/Pemberi Penghargaan
% 99*** 100 100 No. Penghargaan - Awards
Percentage of customer complaints resolved Presenter
Persentase pemasok lokal** 1 The Best GCG Award-IX-2025, Gold Award (B) Excellent Warta Ekonomi
% 100 100 100
Percentage of local supplier 2 Indonesia Best Bank 2025 for Driving Holistic Growth Through
Warta Ekonomi
Kegiatan Tanggung Jawab Sosial Perusahaan Innovation, Social, Commitments, and Sector-Based Financial Solutions
Corporate Social Responsibility Activities 3 Advancing Employee Welfare through Union Support and Transparent
Warta Ekonomi
Realisasi dana kegiatan tanggung jawab sosial Rp Miliar 130.1 120.5 56.7 Dialogue Channels
Realization of social responsibility program funds Rp Billion 4 Indonesia Most Excellence Company Awards 2025 with Outstanding
Commitment to Empowering Society through Financial and Social Warta Ekonomi
Synergy, Kategori: Conventional Bank
Keterangan | Note: 5 ESG Appreciation 2025 for Outstanding in the Category Governance
*Penyajian kembali karena adanya penyempurnaan data. [2-4] B Universe – Investor Daily
Training
*Restatement due to refinements in data..
**Pemasok lokal meliputi area Jakarta. 6 Indonesia Best Digital Awards 2025 in Conventional Bank for The
**Local suppliers include those located within the Jakarta area. Utilization of AI-Powered Assistance and Environmentally Friendly Jak TV
***Sebesar 1% pengaduan masih dalam proses penyelesaian hingga akhir tahun 2025. Products and Services
***Approximately 1% of complaints remained under resolution as of the end of 2025.
7 The Best Indonesia Enterprises Risk Management-VII-2025, Gold Award
Economic Review
(B) Excellent
8 Partnership Award atas Kerja Sama Literasi Keuangan & CSR 2025
LSPR Jakarta
Partnership Award for Financial Literacy and CSR
Laporan Keberlanjutan 2025 Laporan Keberlanjutan 2025
8 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 9
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Penjelasan Direksi [2-14]
The Board of Directors’ Statement
Sales Tools, implementasi Fraud Detection System, card capabilities, and the development of a Loan Origination
penyempurnaan kapabilitas sistem kartu kredit co-branding, System (LOS) for the small and medium enterprises (SMEs),
serta pengembangan Loan Origination System (LOS) bagi Commercial, and also increasing wholesale segment. These
segmen usaha kecil dan menengah (UKM), Commercial, innovations not only strengthen the Bank’s competitive position,
“Seluruh inisiatif yang dijalankan Bank serta pengembangan untuk segmen wholesale. Beragam but also support sustainable operations that contribute to
Mayapada dirancang untuk merespons inovasi ini tidak hanya memperkuat posisi kompetitif Bank inclusive, secure, and responsible economic growth.
di industri, tetapi juga memastikan keberlanjutan operasional
tantangan keberlanjutan sekaligus yang berkontribusi pada pertumbuhan ekonomi yang inklusif,
mendorong inovasi layanan perbankan” aman, dan bertanggung jawab.
Dari sisi tata kelola, Bank Mayapada mengambil langkah From a governance perspective, Bank Mayapada undertook
“All initiatives undertaken by Bank Mayapada terstruktur untuk menghadapi tantangan dan memperkuat structured measures to address challenges and strengthen
are designed to address sustainability komitmen Direksi terhadap penerapan keuangan the Board of Directors’ commitment to the implementation
challenges while driving innovation in banking berkelanjutan. Bank membentuk unit khusus Tim Sustainable of sustainable finance. The Bank established a dedicated
Finance yang bertugas mengumpulkan, mengolah, Sustainable Finance Team tasked with collecting, processing,
services” dan menyajikan data terkait aspek LST dan keuangan and presenting data related to ESG aspects and sustainable
berkelanjutan secara komprehensif. Unit ini menjadi finance in a comprehensive manner. This unit serves as a
penggerak penting dalam pengambilan keputusan yang key driver in data-driven decision-making and supports the
Hariyono Tjahjarijadi berbasis data dan mendukung integrasi aspek keberlanjutan
ke dalam seluruh proses bisnis. Untuk memastikan tata
integration of sustainability aspects into all business processes.
To ensure strong governance, the Risk Management Committee
kelola yang kuat, Komite Manajemen Risiko menjalankan performed an oversight function over sustainability policies,
Direktur Utama - President Director
fungsi pengawasan terhadap kebijakan keberlanjutan, while the Risk Monitoring Committee provided independent
sementara Komite Pemantau Risiko memberikan evaluasi evaluation of their effectiveness and ensured alignment with
independen atas efektivitas pelaksanaannya dan memastikan sustainability principles.
Pemangku kepentingan yang terhormat, Dear Stakeholders, keselarasan dengan prinsip-prinsip keberlanjutan.
Dalam menghadapi perubahan yang semakin dinamis, Amid continuously evolving, complex, and competitive Seluruh inisiatif yang dijalankan Bank Mayapada dirancang All initiatives undertaken by Bank Mayapada are designed to
kompleks dan kompetitif, Bank Mayapada terus memperkuat dynamics, Bank Mayapada continued to strengthen its role untuk merespon tantangan keberlanjutan sekaligus address sustainability challenges while driving innovation in
perannya dalam transformasi menuju keuangan in advancing sustainable finance by integrating economic, mendorong inovasi layanan perbankan. Tantangan tersebut banking services. The challenges encompass the high initial
berkelanjutan dengan terus mengedepankan keselarasan social, and environmental considerations into all of its mencakup tingginya kebutuhan investasi awal untuk proyek investment requirements for sustainability projects, varying
aspek ekonomi, sosial, lingkungan hidup ke dalam setiap activities. We believe that the comprehensive implementation keberlanjutan, beragamnya tingkat kesadaran dan komitmen levels of awareness and commitment among business units
kegiatannya. Kami meyakini bahwa penerapan prinsip of sustainability principles not only supported the growth and unit bisnis terhadap implementasi keuangan berkelanjutan, regarding the implementation of sustainable finance, and the
keberlanjutan secara menyeluruh, selain mendukung stability of economic performance, but also reinforced long- serta keterbatasan jumlah debitur yang telah menerapkan limited number of debtors who have adopted green business
pertumbuhan dan menjaga stabilitas kinerja ekonomi, juga term value creation for all stakeholders. During the ongoing prinsip usaha hijau. Selain itu, Bank masih memerlukan principles. Additionally, the Bank is still developing a more
memperkuat penciptaan nilai jangka panjang bagi seluruh transformation process, we identified expanding opportunities pengembangan sistem pemetaan taksonomi hijau yang comprehensive green taxonomy mapping system to identify
pemangku kepentingan. Di tengah proses transformasi yang to become more resilient, responsive, and adaptive, while lebih komprehensif untuk mendukung proses identifikasi and classify sustainable financing. External factors such as
berlangsung, kami melihat ruang yang semakin luas untuk placing sustainability as a key foundation in our decision- dan klasifikasi pembiayaan berkelanjutan. Faktor eksternal economic conditions and regulatory changes remain key
tumbuh lebih tangguh, responsif, dan adaptif, sekaligus making and strategic direction. seperti dinamika ekonomi dan perubahan regulasi juga turut factors affecting the Bank’s progress.
menempatkan keberlanjutan sebagai landasan utama dalam memberikan pengaruh.
setiap keputusan dan langkah strategis yang dicanangkan.
Untuk menjawab tantangan tersebut, Bank Mayapada To address these challenges, Bank Mayapada implemented
Kebijakan untuk Merespons Tantangan [2-22, 2-23, 2-24] Policies to Address Challenges [2-22, 2-23, 2-24] menjalankan strategi dan inovasi dalam mendukung strategies and innovations that support the achievement of
pencapaian Tujuan Pembangunan Berkelanjutan (TPB). the Sustainable Development Goals (SDGs). Through this
Sepanjang tahun 2025, Bank Mayapada melanjutkan agenda In 2025, Bank Mayapada continued its transformation agenda Dengan pendekatan ini, Bank berupaya memperkuat fondasi approach, the Bank sought to strengthen the foundation of
transformasinya untuk memperkuat posisi sebagai institusi to affirm its position as a financial institution focused on transformasi untuk memberikan dukungan bagi ekonomi, its transformation to support the economy, social, and the
keuangan yang berorientasi pada pertumbuhan berkelanjutan sustainable growth and value creation for stakeholders. This sosial, dan lingkungan. environment.
dan peningkatan nilai bagi para pemangku kepentingan. transformation was carried out through 25 (twenty-five)
Transformasi ini dijalankan melalui 25 (dua puluh lima) strategic initiatives, with a focus on accelerating performance Capaian Kinerja dan Strategi Pencapaian Target Kinerja Performance Achievements and Strategies to Achieve a
inisiatif strategis, dengan berfokus pada peningkatan kinerja across 3 (three) key areas: optimizing sales, strengthening Keuangan Berkelanjutan Sustainable Finance Targets
(accelerate performance) melalui 3 (tiga) area utama, yaitu business partnerships through collaboration, as well as
optimasi penjualan (drive sales), memperkuat kemitraan enhancing governance and risk management. Di tengah kondisi ekonomi yang dinamis, Bank Mayapada Amid ongoing economic dynamics, Bank Mayapada
bisnis melalui kolaborasi (strengthen partnership), serta berhasil menunjukkan ketahanan dan stabilitas kinerja demonstrated resilience and maintained financial stability
meningkatkan tata kelola dan manajemen risiko (manage keuangan sepanjang tahun 2025. Bank tidak hanya over the course of 2025. The Bank not only met its revenue
risks). mampu mencapai target pendapatan, tetapi juga mencatat targets but also recorded an increase in net profit, reflecting the
peningkatan laba bersih yang mencerminkan efektivitas effectiveness of its business strategies and its ability to adapt
Dalam upaya mendukung program transformasi, Bank To support this transformation, Bank Mayapada is accelerating strategi bisnis serta kemampuan adaptasi terhadap to market changes. In 2025, interest income reached Rp12.88
Mayapada juga mempercepat pemanfaatan teknologi the use of technology as a key enabler. Key initiatives are the perubahan pasar. Pada 2025, pendapatan bunga mencapai trillion, growing by 15.15% from Rp11.18 trillion in 2024. This
sebagai enabler utama. Sejumlah langkah strategis deployment of Digital Sales Tools, the implementation of a Rp12,88 triliun tumbuh 15,15% dibandingkan pendapatan figure exceeded of the target by 102.27%. Additionally, the
yang telah dilakukan antara lain implementasi Digital Fraud Detection System, the improvement of co-branded credit
Laporan Keberlanjutan 2025 Laporan Keberlanjutan 2025
10 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 11
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Penjelasan Direksi
Board of Directors’ Statement
risk stress testing (CRST). Uji ketahanan ini akan menjadi This stress testing serves a tool for assessing the impact of
di 2024, yaitu Rp11,18 triliun. Angka ini melampaui target Company recorded a net profit of Rp29.98 billion, or 106.16%
instrumen penting untuk menilai dampak perubahan iklim climate change on credit, market, operational, and liquidity risks,
dengan capaian 102,27%. Di samping itu, Perseroan juga of the target, growing 17.21% from the previous year’s
terhadap risiko kredit, pasar, operasional, dan likuiditas, enabling the Bank to better anticipate potential sustainability
membukukan laba bersih sebesar Rp29,98 miliar atau achievement.
sehingga Bank dapat mengantisipasi potensi tantangan challenges.
106,16% dari target, tumbuh 17,21% dari pencapaian tahun
keberlanjutan dengan lebih baik.
sebelumnya.
Keberhasilan penerapan keuangan berkelanjutan tidak The success of sustainable finance practices is inseparable
Dalam menjalankan fungsi intermediasi, Bank menyalurkan In performing its intermediation role, the Bank disbursed gross
terlepas dari kesiapan Sumber Daya Manusia (SDM). from the readiness of the Bank’s human capital (HC). During
kredit gross sebesar Rp108,15 triliun, tumbuh 1,52% loans amounting to Rp108.15 trillion, representing a growth
Sepanjang 2025, Bank Mayapada meningkatkan kapabilitas 2025, Bank Mayapada enhanced its human capital capabilities
dibandingkan tahun 2024. Dari total tersebut, sebesar 1% of 1.52% compared to 2024. Of this total, 1% was allocated
SDM melalui sosialisasi emisi gas rumah kaca yang diikuti through awareness sessions regarding greenhouse gas
dialokasikan untuk pembiayaan yang memenuhi Kategori to Sustainable Financing, including environmentally friendly
oleh 305 karyawan. Bank juga memperkuat pemahaman emissions attended by 305 employees. The Bank also deepened
Kegiatan Usaha Berkelanjutan (KKUB), termasuk sektor sectors and financing for small and medium enterprises
terkait manajemen risiko dan analisis skenario dengan the understanding of risk management and scenario analysis
ramah lingkungan serta pembiayaan bagi usaha kecil dan (SMEs). As of 31 December 2025, total sustainable financing
mengikutsertakan karyawan dalam program pelatihan risiko by involving employees in climate risk training programs. These
menengah (UKM). Hingga 31 Desember 2025, total kredit amounted to Rp1,08 trillion.
iklim. Upaya ini memastikan seluruh insan Bank memiliki programs aimed to equip the Bank’s personnel with expertise to
KKUB tercatat mencapai Rp1,08 triliun.
kompetensi yang memadai dalam mengelola tantangan manage sustainable finance challenges, in line with regulatory
keuangan berkelanjutan secara komprehensif, sejalan requirements and banking industry best practices.
Bank Mayapada turut mengambil peran dalam proyek Bank Mayapada has taken a role in the pilot phase of the
dengan regulasi dan praktik terbaik industri perbankan.
percontohan implementasi Taksonomi Keuangan Indonesia Taxonomy for Sustainable Finance (TKBI), an
Berkelanjutan Indonesia (TKBI), yang merupakan enhancement of the Indonesian Green Taxonomy. In September
Peluang dan Prospek Usaha Business Opportunities and Outlooks
penyempurnaan dari Taksonomi Hijau Indonesia. Pada and December 2024, the Bank completed its assessments and
September dan Desember 2024, Bank telah menyelesaikan submitted reports to the OJK to map its 250 largest debtors
Perkembangan teknologi digital terus mendorong perubahan Advancement in digital technology continue to reshape
penilaian dan pelaporan kepada OJK untuk memetakan 250 within the loan portfolio. As of the end of 2025, Bank Mayapada
cara nasabah mengakses layanan perbankan, dengan how customers access banking services, with customer
debitur terbesar dalam portofolio kreditnya. Hingga akhir has participated in the pilot project for the implementation of
preferensi yang semakin mengarah pada solusi transaksi preferences shifting toward fast, secure, and digitally enabled
tahun 2025, Bank Mayapada telah berpartisipasi dalam TKBI Version 2 through assessment and reporting to OJK. As
yang cepat, aman, dan berbasis digital. Menyikapi hal transactions. In response, Bank Mayapada is advancing its
pilot project implementasi TKBI Versi 2 melalui pelaksanaan of the end of 2025, the mapping achievement reached 30%
tersebut, Bank Mayapada terus memperkuat kapasitas digital capabilities by developing technology-driven products
penilaian dan pelaporan kepada OJK. Per akhir 2025, capaian for the non-SME segment and 20% for the SME segment,
digital melalui pengembangan produk dan layanan berbasis and services, upgrading infrastructure, and improving
pemetaan mencapai 30% untuk segmen Non-UKM; dan 20% calculated based on total outstanding loans from all activities
teknologi, peningkatan kualitas infrastruktur, serta penguatan customer digital literacy to expand its service reach and
untuk segmen UKM, yang dihitung dari total outstanding classified as Taxonomy Eligible. Taxonomy Eligible refers
literasi digital nasabah guna memperluas jangkauan layanan sustain competitiveness amid ongoing transformation in the
kredit dari seluruh aktivitas yang masuk ke dalam Taxonomy to economic activities, projects, or assets that fall within the
dan menjaga daya saing di tengah transformasi industri banking industry.
Eligible yang mengacu pada aktivitas ekonomi, proyek, atau scope of a green taxonomy, such as TKBI, and are identified as
perbankan.
aset yang termasuk dalam cakupan taksonomi hijau, seperti having the potential to contribute to environmental objectives.
TKBI, dan tercantum sebagai kegiatan yang berpotensi In total, the Bank has mapped 290 debtors.
Apresiasi Appreciation
berkontribusi terhadap tujuan lingkungan. Secara total, Bank
telah memetakan sebanyak 290 debitur.
Kami menyampaikan apresiasi kepada seluruh pemangku We extend our sincere appreciation to all stakeholders for
kepentingan atas dukungan dan kolaborasi yang terus their continued support and collaboration throughout Bank
Untuk mendukung penerapan TKBI secara menyeluruh, Bank To support the comprehensive implementation of TKBI, the
mengiringi perjalanan keberlanjutan Bank Mayapada. Mayapada’s sustainability journey. The trust and synergy
saat ini menyusun berbagai langkah strategis, mulai dari Bank currently developing various strategic steps, ranging
Kepercayaan dan sinergi yang terbangun menjadi fondasi we have built are the foundation for fostering sustainability
penyelarasan kebijakan internal dengan ketentuan regulator, from aligning internal policies with regulatory requirements,
penting dalam menumbuhkan budaya keberlanjutan across our business activities and the way our personnel
pemetaan sektor ekonomi dalam cakupan TKBI, hingga mapping economic sectors within the TKBI framework, to
di seluruh aktivitas bisnis dan perilaku insan Bank. Ke work. Bank Mayapada remains committed to consistently
penyusunan program kerja yang mendorong implementasi formulating work programs that drive active implementation.
depan, Bank Mayapada senantiasa berkomitmen untuk advancing sustainable finance practices, while maintaining
yang aktif. Upaya tersebut dirancang agar selaras dengan These efforts are designed to align with regulatory requirements
mengimplementasikan prinsip keuangan berkelanjutan solid performance and contributing to national development
ketentuan otoritas dan berkontribusi pada pencapaian target and contribute to achieving the target of Net Zero Emissions
secara konsisten, sejalan dengan upaya menjaga kinerja and a more sustainable future.
Net Zero Emissions. Selain itu, Bank akan terus memperluas (NZE). Additionally, the Bank continues to expand its financing
yang sehat serta berkontribusi bagi pembangunan nasional
porsi pembiayaan sektor UKM guna memperkuat allocation to the SME sector to strengthen its support for local
dan masa depan yang berkelanjutan.
dukungannya terhadap pertumbuhan ekonomi lokal. economic growth.
Bank Mayapada juga menyadari bahwa perubahan iklim Bank Mayapada also recognizes that climate change presents
menghadirkan risiko material yang dapat memengaruhi material risks that may affect operational stability and
stabilitas operasional maupun kinerja keuangan. Untuk itu, financial performance. In response, alongside its preparation Jakarta, April 2026
selain mempersiapkan implementasi TKBI, Bank tengah for TKBI adoption, the Bank is currently developing climate Atas Nama Direksi,
mengembangkan climate risk management & scenario risk management and scenario analysis (CRMS) to align with On Behalf of Directors,
analysis (CRMS) guna mendukung ketentuan terbaru dari the latest regulatory requirements. At the same time, the
regulator. Pada saat yang sama, Bank menyusun kebijakan Bank is drafting standard policies and procedures related to
dan prosedur standar terkait mitigasi risiko iklim. Memasuki climate risk mitigation. Entering 2025, the Bank has initiated
2025, Bank telah memulai penghitungan emisi GRK untuk the calculation of GHG emissions for scopes 1 and 2 as the Hariyono Tjahjarijadi
cakupan 1 dan 2 sebagai fondasi pengembangan climate foundation for developing climate risk stress testing (CRST). Direktur Utama
President Director
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12 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 13
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Strategi Keberlanjutan Tentang Laporan Keberlanjutan [2-2, 2-3, 2-4, 2-5, 2-14]
Sustainability Strategy About Sustainability Report
Komitmen Bank Mayapada terhadap keberlanjutan Bank Mayapada’s commitment to sustainability is Profil Laporan Report Profile
diwujudkan melalui pengintegrasian prinsip lingkungan, demonstrated through the integration of environmental,
sosial, tata kelola (LST), dan ekonomi ke dalam upaya social, and governance (ESG) principles into its efficient work Bank Mayapada memiliki komitmen untuk menyampaikan Bank Mayapada is committed to reporting on its economic,
efisiensi untuk budaya kerja. Seluruh jajaran manajemen culture. All levels of management and employees play a role in kinerja ekonomi, sosial, lingkungan, dan tata kelola dalam social, environmental, and governance performance on an
dan karyawan berperan menerapkan prinsip keberlanjutan applying sustainability principles in daily operations, including periode tahunan dalam Laporan Keberlanjutan. Laporan ini annual basis in its Sustainability Report. This report is a
dalam operasional sehari-hari, termasuk dalam mengelola in managing challenges and opportunities amid the dynamics adalah kesinambungan laporan sebelumnya yang diterbitkan continuation of the previous report published on April 30, 2025.
tantangan dan peluang di tengah dinamika industri of the banking industry. pada 30 April 2025. Sesuai dengan periode laporan keuangan, In line with the financial reporting period, this report presents
perbankan. laporan ini menyajikan data dan informasi dari 1 Januari data and information from January 1 to December 31, 2025,
hingga 31 Desember 2025, termasuk perbandingan data including a comparison of numerical data in tables over a
Untuk memperkuat implementasi, Bank menyelenggarakan To strengthen implementation, the Bank conducts sustainable numerik tabel selama tiga tahun. three-year period.
sosialisasi keuangan berkelanjutan serta komunikasi internal finance socialization programs and internal communications
guna membangun kesadaran dan budaya keberlanjutan di to build awareness and a culture of sustainability across all Dalam proses penyusunannya, laporan ini mengacu pada In its preparation, this report refers to the following regulations
seluruh lini organisasi. Inisiatif ini bertujuan meningkatkan levels of the organization. These initiatives aim to enhance sejumlah aturan dan standar berikut: and standards:
pemahaman, membentuk pola pikir adaptif, dan memastikan understanding, foster an adaptive mindset, and ensure • Surat Edaran Otoritas Jasa Keuangan (SEOJK) No. 16/ • Otoritas Jasa Keuangan (OJK) Circular Letter (SEOJK)
kesiapan karyawan dalam menghadapi transformasi industri, employees are prepared to navigate industry transformation, SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan No. 16/SEOJK.04/2021 regarding the Form and Content
sekaligus menegaskan komitmen Bank dalam menjaga while reaffirming the Bank’s commitment to upholding serta Peraturan OJK (POJK) No. 51/POJK.03/2017 tentang of Annual Reports and OJK Regulation (POJK) No. 51/
keberlanjutan dan mendorong pertumbuhan bisnis jangka sustainability and driving long-term business growth. Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa POJK.03/2017 regarding the Implementation of Sustainable
panjang. Keuangan, Emiten, dan Perusahaan Publik; Finance for Financial Services Institutions, Issuers, and
Public Companies;
Program transformasi Bank Mayapada dijalankan dalam Bank Mayapada’s transformation program is implemented to • Standar Global Reporting Initiative (GRI) 2021, termasuk • Global Reporting Initiative (GRI) Standards 2021, including
rangka peningkatan kinerja melalui penerapan Governance, enhance performance through the application of Governance, indikator suplemen Sektor Jasa Keuangan GRI-G4; the GRI-G4 Financial Services Sector supplementary
Risk, and Compliance (GRC). Berbagai inisiatif telah Risk, and Compliance (GRC) principles. Various initiatives have indicators;
dilaksanakan mencakup penyempurnaan prosedur, tata been undertaken, including the refinement of procedures,
kelola serta manajemen risiko yang terintegrasi. governance structures, and integrated risk management Ruang lingkup data yang dilaporkan hanya berasal dari The scope of the reported data is limited to the Bank’s internal
practices. internal Bank. Perseroan tidak memiliki entitas anak operations. The Company has no subsidiaries; therefore, this
sehingga laporan ini hanya menyajikan data keuangan dari report presents only the financial data of Bank Mayapada.
Di sisi lain, Bank terus memperkuat kolaborasi dengan At the same time, the Bank continues to strengthen Bank Mayapada.
perusahaan dalam Mayapada Group ecosystem dan telah collaboration within the Mayapada Group ecosystem and has
merealisasikan 15 inisiatif kolaborasi untuk mendukung realized 15 collaborative initiatives to support the expansion Bank Mayapada belum menunjuk lembaga independen Bank Mayapada has not appointed an independent institution
perluasan jaringan bisnis, peningkatan profitabilitas, serta of its business network, improve profitability and sustainable untuk melakukan verifikasi (assurance), pada laporan ini. to perform verification (assurance) on this report. All data and
pertumbuhan yang berkelanjutan. Inisiatif kolaborasi tersebut growth. These collaborative initiatives span various business Namun demikian, seluruh data dan informasi dalam laporan information in this report have been validated by the relevant
mencakup berbagai segmen bisnis, khususnya UKM, segments, particularly SMEs, Commercial, and Consumer. ini telah diverifikasi oleh fungsi-fungsi terkait, termasuk data functions, including financial data audited by the public
Komersial, dan Konsumer. Selain itu, Bank juga melakukan In addition, the Bank conducted an analysis of its operating keuangan yang diaudit oleh KAP Doli, Bambang, Sulistiyanto, accounting firm Doli, Bambang, Sulistiyanto, Dadang & Ali
analisis terhadap operating model untuk optimasi proses model to optimize operational processes, particularly those Dadang & Ali (DBSD&A). Terdapat data yang disajikan kembali (DBSD&A). Certain data have been restated due to changes in
operasional terutama yang berkaitan dengan peningkatan related to enhancing customer service. (restatement) yang disebabkan oleh perubahan metodologi methodology and data scope calculation.
pelayanan ke nasabah. dan cakupan perhitungan data.
Sejalan dengan agenda tersebut, Bank terus mempercepat In line with this agenda, the Bank continues to accelerate its Topik Material [3-1, 3-2] Material Topic [3-1, 3-2]
transformasi digital, salah satunya melalui pengembangan digital transformation, including through the development of
inisiatif Banking as a Service (BaaS). Platform ini Banking as a Service (BaaS) initiatives. This platform enables Pada periode pelaporan ini, Perseroan melakukan peninjauan During this reporting period, the Company conducted a review
memungkinkan kemitraan strategis untuk menghadirkan strategic partnerships to deliver integrated banking products kembali atas daftar topik material melalui proses reviu yang of the list of material topics through a process involving the
produk dan layanan perbankan secara terintegrasi kepada and services to customers through an embedded finance melibatkan fungsi internal Bank. Proses ini bertujuan untuk Bank’s internal functions. This process aims to ensure that
nasabah melalui skema embedded finance sehingga scheme, thereby expanding service reach and enhancing memastikan bahwa topik material tetap relevan dengan isu material topics remain relevant to banking business issues,
memperluas jangkauan layanan dan meningkatkan akses financial inclusion. bisnis perbankan, dinamika keberlanjutan sektor keuangan, the sustainability dynamics of the financial sector, stakeholder
keuangan secara lebih inklusif. aspirasi para pemangku kepentingan, potensi dampak aspirations, potential impacts on the Company and its
terhadap perusahaan dan pemangku kepentingan, serta stakeholders, and their alignment with the achievement of the
Bank Mayapada mengembangkan 4 pilar dan strategi Bank Mayapada has developed 4 BaaS pillars and strategies keterkaitannya dengan pencapaian Tujuan Pembangunan Sustainable Development Goals (SDGs). Based on the results
BaaS yang mencakup layanan simpanan, pembiayaan, dan encompassing deposit, financing, and payment services. Berkelanjutan (TPB). Berdasarkan hasil reviu tersebut, of this review, adjustments and changes were made to several
pembayaran. Melalui rekanan BaaS, Bank mendapatkan Through its BaaS partners, the Bank has achieved additional terdapat penyesuaian dan perubahan pada beberapa material topics compared to the previous period to reflect the
penambahan akuisisi nasabah baru dari ekosistem rekanan new customer acquisitions from partner ecosystems, as well topik material dibandingkan periode sebelumnya, guna Company’s more current and strategic sustainability priorities.
serta peningkatan jumlah transaksi melalui Bank Mayapada. as an increase in transaction volumes conducted through Bank mencerminkan prioritas keberlanjutan Perseroan yang lebih
Mayapada. aktual dan strategis.
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Tentang Laporan Keberlanjutan
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Batasan Topik Material Batasan Topik Material
Material Topics Boundaries Material Topics Boundaries
Topik Material Kinerja Ekonomi Topik Material Pengembangan Digital Banking
Material Topics Economic Performance Material Topics Digital Banking Development
Pemangku Kepentingan Terdampak Pemegang Saham, Karyawan, Regulator, Mitra Bisnis Pemangku Kepentingan Terdampak Karyawan, Nasabah, Regulator, Mitra Bisnis
Impacted Stakeholders Shareholders, Employees, Regulators, Business Partners Affected Stakeholders Employees, Customers, Regulators, Business Partners
Dampak Positif & Negatif Dampak Positif: Kinerja ekonomi yang sehat memperkuat stabilitas keuangan Bank, Dampak Positif & Negatif Dampak Positif: Pengembangan digital banking meningkatkan efisiensi operasional,
meningkatkan kepercayaan pemangku kepentingan, serta membuka ruang ekspansi kualitas layanan, dan kemudahan akses nasabah terhadap layanan keuangan.
pembiayaan yang mendorong pertumbuhan ekonomi nasional. Digitalisasi juga mendorong inovasi, memperluas inklusi keuangan, serta mendukung
Dampak Negatif: Fluktuasi kondisi makroekonomi dapat menekan kualitas aset, efisiensi penggunaan sumber daya melalui proses dan transaksi berbasis digital.
profitabilitas, dan daya beli nasabah, sehingga memengaruhi keberlanjutan kinerja Dampak Negatif: Ketergantungan pada sistem digital meningkatkan risiko teknologi,
Bank. termasuk gangguan sistem dan ancaman siber. Selain itu, perbedaan tingkat literasi
digital nasabah serta kebutuhan investasi teknologi yang berkelanjutan dapat
Positive and Negative Impacts Positive Impact: Strong economic performance enhances the Bank’s financial stability, menimbulkan tantangan operasional dan biaya tambahan bagi Bank.
strengthens stakeholder confidence, and enables financing expansion that supports
national economic growth. Positive and Negative Impacts Positive Impact: The development of digital banking improves operational efficiency,
Negative Impact: Macroeconomic fluctuations may affect asset quality, profitability, and service quality, and customer access to financial services. It also fosters innovation,
customers’ purchasing power, thereby impacting the Bank’s performance sustainability. promotes financial inclusion, and supports resource efficiency through digital processes
and transactions.
Negative Impact: Increased reliance on digital systems elevates technology-related
risks, including system disruptions and cyber threats. In addition, varying levels of digital
Topik Material Keuangan Berkelanjutan literacy among customers and the need for continuous technology investment may
Material Topics Sustainable Finance create operational challenges and additional costs for the Bank.
Pemangku Kepentingan Terdampak Karyawan, Nasabah, Regulator
Affected Stakeholders Employees, Customers, Regulators
Dampak Positif & Negatif Dampak Positif: Pembiayaan berkelanjutan mendukung transisi menuju ekonomi hijau, Topik Material Manajemen Sumber Daya Manusia
memperluas akses UKM, serta meningkatkan kontribusi Bank terhadap pencapaian Material Topics Human Capital Management
TPB.
Dampak Negatif: Keterbatasan debitur yang memenuhi kriteria hijau dan tingginya Pemangku Kepentingan Terdampak Karyawan
kebutuhan investasi awal dapat membatasi pertumbuhan portofolio KKUB. Affected Stakeholders Employees
Dampak Positif & Negatif Dampak Positif: Pengembangan kompetensi SDM meningkatkan produktivitas
Positive and Negative Impacts Positive Impact: Sustainable financing supports the transition to a green economy, dan kesiapan organisasi menghadapi transformasi industri perbankan digital dan
expands SME access, and enhances the Bank’s contribution to the achievement of the berkelanjutan.
SDGs. Dampak Negatif: Kesenjangan keterampilan dan tingkat retensi karyawan yang rendah
Negative Impact: A limited pool of eligible green debtors and high initial investment dapat menghambat kinerja dan efektivitas operasional.
requirements may constrain the growth of the Sustainable Financing portfolio.
Positive and Negative Impacts Positive Impact: Human capital development enhances productivity and strengthens
organizational readiness to navigate digital and sustainable banking transformation.
Topik Material Keamanan Data dan Privasi Nasabah Negative Impact: Skills gaps and low employee retention may hinder performance and
Material Topics Customer Data Security and Privacy operational effectiveness.
Pemangku Kepentingan Terdampak Karyawan, Nasabah, Regulator
Affected Stakeholders Employees, Customers, Regulators
Dampak Positif & Negatif Dampak Positif: Pengelolaan keamanan data yang andal meningkatkan kepercayaan
nasabah dan menjaga kesinambungan layanan digital.
Dampak Negatif: Potensi serangan siber dan kebocoran data berisiko menimbulkan
kerugian finansial, pelanggaran regulasi, dan penurunan reputasi Bank.
Positive and Negative Impacts Positive Impact: Effective data security management enhanced customer trust and
maintained the continuity of digital services.
Negative Impact: Cyber threats and potential data breaches may lead to financial losses,
regulatory non-compliance, and reputational damage.
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Tentang Laporan Keberlanjutan
About Sustainability Report
Manajemen Topik Material [3-3]
Material Topics Management
Topik Material Kinerja Ekonomi Topik Material Keuangan Berkelanjutan
Material Topics Economic Performance Material Topics Sustainable Finance
Mengapa topik ini penting: Capaian kinerja ekonomi sangat penting untuk dikelola karena merupakan salah Mengapa topik ini penting: Bank Mayapada mematuhi peraturan OJK dan mendukung penerapan
satu faktor penentu keberlanjutan usaha. Informasi kinerja ekonomi dan kinerja keuangan berkelanjutan. Bank telah mengelompokkan kredit KKUB, memonitor,
keuangan juga menjadi bagian dari evaluasi kinerja tahunan Bank Mayapada. dan mengevaluasi capaiannya sesuai Rencana Aksi Keuangan Berkelanjutan
(RAKB), serta dalam tahap mempersiapkan implementasi TKBI.
Managing economic performance is crucial, as it is a key factor in ensuring
Significance of the topic: business sustainability. Additionally, economic and financial performance are Significance of the topic: Bank Mayapada complies with OJK regulations and supports the implementation
integral components of Bank Mayapada’s annual performance evaluation. of sustainable finance. Bank has categorized Sustainable Financing, monitored
and evaluated their achievements in accordance with the Sustainable Finance
Kebijakan, penanggung Tanggung jawab atas penyusunan dan pelaporan kinerja keuangan berada di Action Plan (RAKB), and is preparing for TKBI implementation.
jawab, kinerja, dan evaluasi: bawah koordinasi Chief Financial Officer, dengan dukungan operasional dari
Divisi MIS & Accounting dan Corporate Planning. Pengawasan terhadap akurasi Kebijakan, penanggung Bank Mayapada telah menyusun RAKB, menyesuaikan kebijakan penyaluran
serta kepatuhan laporan keuangan dilakukan melalui pelaksanaan audit internal jawab, kinerja, dan evaluasi: kredit sesuai KKUB, serta mempersiapkan implementasi TKBI. Dalam
dan audit eksternal. Hasil audit secara berkala dilaporkan kepada Chief Financial pelaksanaan keuangan berkelanjutan, proses persetujuan pembiayaan
Officer, kemudian dibahas dalam rapat gabungan Dewan Komisaris dan Direksi tidak hanya didasarkan pada aspek kelayakan ekonomi debitur, tetapi juga
yang dilaksanakan setiap kuartal sebagai bagian dari pengawasan kinerja Bank mempertimbangkan potensi risiko sosial dan lingkungan. Analisis risiko kredit
secara menyeluruh. dilakukan oleh Divisi Risiko Kredit dan selanjutnya ditelaah melalui fungsi
pengendalian internal oleh Divisi Internal Audit dan Kontrol. Pada tahun 2025,
Secara umum, kinerja ekonomi Bank Mayapada pada tahun 2025 menunjukkan portofolio KKUB Bank Mayapada sebesar 1% dari total kredit atau sebesar
capaian yang positif. Evaluasi kinerja ekonomi mencakup: Rp1.079 miliar. Portofolio KKUB tahun 2025 tersebut meningkat 22,6%
• Audit internal yang telah dilaksanakan pada 36 kantor operasional, yang terdiri dibandingkan 2024. [FS1, FS5, FS9]
dari 10 kantor cabang dan 26 cabang pembantu;
• Audit laporan keuangan oleh KAP Doli, Bambang, Sulistiyanto, Dadang & Ali Policy, person in charge, Bank Mayapada prepared its RAKB, aligned its lending policies with sustainable
(DBSD&A); performance, and financing, and prepared for the implementation of TKBI. In implementing
• Pendapatan bunga bersih sebesar Rp3,17 triliun, naik 35,40% dibandingkan evaluation: sustainable finance, the financing approval process was not only based on the
tahun sebelumnya, dengan pencapaian 104,48% terhadap target; economic feasibility of debtors, but also took into account potential social and
• Laba bersih tercatat sebesar Rp29,98 miliar, mencapai 106,16% dari target environmental risks. Credit risk analysis was conducted by the Credit Risk Division
tahunan; and subsequently reviewed through the internal control function by the Internal
• Total penyaluran kredit gross sebesar Rp108,15 triliun, mengalami Audit and Control Division. In 2025, the Bank’s sustainable financing portfolio
pertumbuhan 1,52% secara tahunan (YoY), dengan rasio NPL net sebesar accounted for 1% of total loans, or Rp1,079 billion. The 2025 sustainable financing
2,89%. portfolio increased by 22.6% compared to 2024. [FS1, FS5, FS9]
Policy, person in charge, Responsibility for the preparation and reporting of financial performance is under
performance, and the coordination of the Chief Financial Officer, with operational support from the
evaluation: MIS & Accounting and Corporate Planning Division. Oversight of the accuracy
and compliance of financial reports is conducted through the implementation of
internal and external audits. Audit results are reported periodically to the Chief
Financial Officer, and are subsequently discussed at joint meetings of the Board
of Commissioners and the Board of Directors held quarterly as part of the Bank’s
comprehensive performance oversight.
Overall, Bank Mayapada’s financial performance in 2025 shows positive results.
The financial performance evaluation includes:
• Internal audits were conducted across 36 operational offices, comprising 10
branch offices and 26 sub-branches;
• Audits of financial statements by KAP Doli, Bambang, Sulistiyanto, Dadang & Ali
(DBSD&A);
• Net interest income of Rp3.17 trillion, up 35.40% compared to the previous year,
achieving 104.48% of the target;
• Net profit recorded at Rp29.98 billion, reaching 106.16% of the annual target;
• Total gross credit disbursement of Rp108.15 trillion, experiencing 1.52% growth
year-over-year (YoY), with a net NPL ratio of 2.89%.
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Tentang Laporan Keberlanjutan
About Sustainability Report
Manajemen Topik Material [3-3]
Material Topics Management
Topik Material Keamanan Data dan Privasi Nasabah Topik Material Pengembangan Digital Banking
Material Topics Customer Data Security and Privacy Material Topics Digital Banking Development
Mengapa topik ini penting: Dasar dari bisnis perbankan adalah asas kepercayaan antara bank dengan Mengapa topik ini penting: Pengembangan digital banking menjadi elemen strategis dalam mendukung daya saing dan
keberlanjutan Bank di tengah perubahan perilaku nasabah dan perkembangan industri perbankan
nasabahnya. Oleh sebab itu, Bank Mayapada menghormati privasi setiap
digital. Digitalisasi layanan memungkinkan Bank meningkatkan efisiensi operasional, kualitas
nasabah dan terus berupaya meningkatkan sistem pengamanan data. layanan, serta akses nasabah terhadap produk dan layanan perbankan secara aman dan andal.
Selain itu, pengembangan digital banking mendukung perluasan inklusi keuangan dan memperkuat
Significance of the topic: The foundation of the banking industry is trust between a bank and its customers. ketahanan operasional Bank dalam menghadapi dinamika industri dan risiko eksternal.
Therefore, Bank Mayapada respects the privacy of every customer and continuously
strengthens its data security systems. Significance of the topic: The development of digital banking served as a strategic element in supporting the Bank’s
competitiveness and sustainability amid changes in customer behavior and the evolution of the digital
banking industry. The digitalization of services enabled the Bank to enhance operational efficiency,
Kebijakan, penanggung Dalam menjaga privasi serta keamanan data nasabah, Bank Mayapada terus
service quality, and customer access to banking products and services in a secure and reliable manner.
jawab, kinerja, dan evaluasi: melakukan penguatan dan pembaruan sistem pengamanan informasi. Seluruh
In addition, the development of digital banking supported the expansion of financial inclusion and
karyawan diwajibkan menjunjung tinggi integritas dan mematuhi kode etik strengthened the Bank’s operational resilience in addressing industry dynamics and external risks.
dalam melindungi kerahasiaan data pribadi nasabah, termasuk pencegahan
terhadap aksi penipuan maupun penyalahgunaan data. Komitmen ini
Kebijakan, penanggung Pengembangan digital banking dilaksanakan melalui kebijakan transformasi digital yang terintegrasi
dilaksanakan mengacu pada SE No. 027/SE-OPR/X/2021 tentang Kerahasiaan jawab, kinerja, dan evaluasi: dengan strategi bisnis Bank. Tanggung jawab pengelolaan dan pengembangan layanan digital
dan Keamanan Data dan/atau Informasi Pribadi Konsumen tertanggal 7 berada di bawah koordinasi Direksi, dengan pelaksanaan operasional oleh fungsi yang membawahi
Oktober 2021 serta Memo Internal Direksi No. 025/MEMO/DIR/IX/2017. Upaya Teknologi Informasi dan unit terkait, serta dukungan Fungsi Manajemen Risiko dan Fungsi
menjaga kerahasiaan dan privasi data nasabah juga merupakan bagian dari Kepatuhan & AML.
penghormatan terhadap pemenuhan Hak Asasi Manusia (HAM).
Sepanjang tahun 2025, Bank Mayapada mencatatkan capaian positif dalam pengembangan layanan
Keamanan data didukung oleh sistem manajemen TI yang berada di bawah digital, antara lain:
tanggung jawab divisi yang membidangi Teknologi Informasi, yang memperkuat • Jumlah pengguna layanan digital banking yaitu 170.801 pengguna, meningkat sebesar 13%
fungsi Security Operation Center (SOC) sebagai garda terdepan pemantauan dibandingkan tahun sebelumnya;
dan respons insiden keamanan siber. Bank Mayapada telah memperoleh • Volume transaksi digital mencapai 4,5 juta transaksi, tumbuh 19% secara tahunan (YoY);
• Nilai transaksi digital tercatat sebesar Rp6.388 miliar, mencerminkan peningkatan adopsi kanal
sertifikasi ISO 27001:2022 untuk sistem manajemen pengamanan data yang
digital oleh nasabah;
masih berlaku hingga 13 Juni 2026. Sepanjang periode pelaporan, berdasarkan • Proporsi transaksi melalui kanal digital mencapai 68% dari total transaksi Bank, sejalan dengan
laporan whistleblowing, laporan dari keluhan nasabah, dan pemantauan internal upaya peningkatan efisiensi operasional.
bank, belum terdapat insiden terkait upaya penyalahgunaan data nasabah atau
penyebaran data nasabah tanpa izin dari nasabah. Evaluasi kinerja digital banking dilakukan secara berkala melalui pemantauan stabilitas sistem,
tingkat pemanfaatan layanan, serta efektivitas pengendalian risiko teknologi informasi. Hasil evaluasi
Policy, person in charge, In maintaining the privacy and security of customer data, Bank Mayapada tersebut menjadi dasar bagi peningkatan kapasitas infrastruktur TI, penguatan keamanan sistem,
performance, and continued to strengthen and update its information security systems. All serta penyempurnaan fitur dan layanan digital agar tetap selaras dengan kebutuhan nasabah dan
evaluation: employees were required to uphold integrity and comply with the code of ethics in ketentuan regulator.
protecting the confidentiality of customers’ personal data, including the prevention
of fraud and data misuse. This commitment was implemented in accordance with Policy, person in charge, The development of digital banking was implemented through a digital transformation policy integrated
performance, and evaluation: with the Bank’s business strategy. Responsibility for the management and development of digital
Circular Letter No. 027/SE-OPR/X/2021 dated 7 October 2021 concerning the
services was under the coordination of the Board of Directors, with operational execution carried out
Confidentiality and Security of Consumer Data and/or Personal Information, as by the function overseeing Information Technology and related units, supported by Risk Management
well as Board of Directors Internal Memo No. 025/MEMO/DIR/IX/2017. Efforts to Function and Compliance & AML Function.
safeguard the confidentiality and privacy of customer data also formed part of the
Bank’s respect for the fulfillment of Human Rights. Throughout 2025, Bank Mayapada recorded positive achievements in the development of its digital
services, including:
Data security was supported by the IT management system under the • The number of digital banking service users reached 170,801, representing a 13% increase compared
responsibility of the Information Technology Division, which strengthened the to the previous year;
role of the Security Operations Center (SOC) as the frontline for monitoring • Digital transaction volume reached 4.5 million transactions, growing by 19% year-on-year (YoY);
and responding to cybersecurity incidents. Bank Mayapada obtained ISO/IEC • The value of digital transactions amounted to Rp6,388 billion, reflecting increased customer adoption
27001:2022 certification for its information security management system, which of digital channels;
• The proportion of transactions conducted through digital channels reached 68% of the Bank’s total
remained valid until 13 June 2026. Throughout the reporting period, based on
transactions, in line with efforts to enhance operational efficiency.
whistleblowing reports, customer complaints, and the Bank’s internal monitoring,
no incidents related to the misuse of customer data or unauthorized disclosure of The performance of digital banking was evaluated on a regular basis through the monitoring of system
customer data were identified. stability, service utilization levels, and the effectiveness of information technology risk controls. The
results of the evaluation served as the basis for enhancing IT infrastructure capacity, strengthening
system security, and refining digital features and services to remain aligned with customer needs and
regulatory requirements.
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20 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 21
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Tentang Laporan Keberlanjutan
About Sustainability Report
Manajemen Topik Material [3-3] Dukungan Prioritas terhadap Tujuan Pembangunan Berkelanjutan
Material Topics Management Priority Support for the Sustainable Development Goals (SDGs)
Topik Material Manajemen Sumber Daya Manusia TPB/SDGs Target Metadata TPB Strategi Pencapaian Target
Material Topics Human Capital Management SDGs Target Metadata Strategy to Achieve Targets
Mengapa topik ini penting: Manajemen SDM menjadi topik material karena karyawan merupakan pemangku 4.3.1* Tingkat partisipasi remaja dan dewasa 1. Peningkatan literasi keuangan masyarakat,
kepentingan internal yang dapat memengaruhi operasional Bank Mayapada, dalam pendidikan dan pelatihan formal dan khususnya terkait sektor perbankan, dalam rangka
sehingga perlu dikelola dengan baik. Di samping itu, SDM memiliki andil yang besar nonformal dalam 12 bulan terakhir, menurut jenis mendukung kemandirian finansial dan inklusi
dalam keberlangsungan bisnis Perseroan. kelamin. keuangan yang berkelanjutan.
4.3.1* Participation rate of youth and adults in formal 1. Enhancing public financial literacy, particularly in
Significance of the topic: Human capital management is a material topic because employees are internal and non-formal education and training in the last 12 the banking sector, to support financial independence
stakeholders who can affect Bank Mayapada’s operations, so they need to be managed Pendidikan months, by gender. and sustainable financial inclusion
properly. Additionally, human capital has a major contribution to the sustainability of Berkualitas
the Company’s business. Quality Education Realisasi 2025: Pelaksanaan kegiatan edukasi keuangan mengenai manfaat menabung serta sosialisasi
Go Green di 1 wilayah sebagai bagian dari upaya peningkatan literasi keuangan masyarakat dan
Kebijakan, penanggung Pengelolaan Sumber Daya Manusia berada di bawah koordinasi Divisi Human kesadaran lingkungan.
jawab, kinerja, dan evaluasi: Capital, dengan pengawasan langsung oleh Chief People Officer. Dalam 2025 Realization: Implementation of financial literacy education on the benefits of saving, along with Go
pelaksanaannya, Bank Mayapada menjunjung tinggi prinsip Hak Asasi Manusia Green awareness programs, in 1 (one) area as part of efforts to enhance public financial literacy and
environmental awareness
(HAM) melalui kepatuhan terhadap seluruh ketentuan ketenagakerjaan yang
berlaku serta penerapan praktik nondiskriminatif di seluruh proses manajemen Target 2026: Pelaksanaan kegiatan edukasi keuangan mengenai manfaat menabung serta sosialisasi Go
SDM. Sepanjang periode pelaporan, implementasi pengelolaan SDM berjalan baik Green di 4 wilayah sebagai bagian dari upaya peningkatan literasi keuangan masyarakat dan kesadaran
dengan capaian sebagai berikut: lingkungan.
• Pada 2025, Bank merekrut 143 karyawan baru dengan tingkat perputaran 2026 Target: Implementation of financial literacy education on the benefits of saving, along with Go Green
karyawan sebesar 9,44%; awareness programs, in 4 (four) area as part of efforts to enhance public financial literacy and environmental
• Program pengembangan kompetensi dilaksanakan melalui 2.276 jam pelatihan awareness
yang diikuti oleh 2.643 karyawan;
• Tidak terdapat tenaga kerja di bawah umur, dengan batas minimum usia 8.10.1.(b) Rasio kredit UMKM terhadap total kredit 1.Penyesuaian kebijakan maupun produk
karyawan 18 tahun; perbankan pembiayaan untuk mendukung UKM.
• Tidak ditemukan praktik kerja paksa, serta ketentuan jam kerja dan waktu 2. Pemetaan UKM yang potensial dibiayai.
istirahat diatur secara jelas dalam Perjanjian Kerja Bersama (PKB); 8.10.1(b) Ratio of MSME loans to total loans
1. Adjusting policies and financing products to
• Pemberian remunerasi disesuaikan dengan upah minimum yang berlaku;
support SMEs.
• Bank terus mengupayakan penciptaan lingkungan kerja yang aman, sehat, dan 2. Mapping SMEs with financing potential.
layak. Ekonomi Inklusif
Inclusive Economy Realisasi 2025: Total kredit UKM sebesar Rp1.094 miliar.
Policy, person in charge, Human capital was under the coordination of the Human Capital Division, with direct
2025 Realization: Total SME loans amounted to Rp1,094 billion.
performance, and oversight by the Chief People Officer. In its implementation, Bank Mayapada upheld
evaluation: human rights principles through compliance with all applicable labor regulations and Target 2026: Total kredit UKM sebesar Rp1.530 miliar.
the application of non-discriminatory practices across all human capital management 2026 Target: Total SME loans amounted to Rp1,530 billion.
processes. Throughout the reporting period, the implementation of human capital 9.c.1* Proporsi penduduk terlayani mobile 1. Penargetan nasabah eksisting yang belum
management was carried out effectively, with the following achievements: broadband menggunakan layanan digital channel.
• In 2025, the Bank recruited 143 new employees with an employee turnover rate of 2. Peningkatan awareness terkait digital channel
9.44%; 9.c.1* Proportion of population covered by a mobile melalui frontliners/media komunikasi lainnya.
• Competency development programs were delivered through 2,276 training hours, broadband network
attended by 2,643 employees; 1. Targeting existing customers who have not yet
• There were no child labor, with a minimum employee age of 18; utilized digital channels.
• No forced labor was found, and provisions regarding working hours and rest periods Akses Teknologi 2. Increasing awareness of digital channels through
untuk Semua frontliners and other communication media.
are clearly stipulated in the Collective Labor Agreement;
Technology Access
• Remuneration is adjusted in accordance with the prevailing minimum wage; for All
• The Bank continues to strive to create a safe, healthy, and decent work environment. Realisasi 2025: Peningkatan jumlah pengguna layanan digital Bank Mayapada sebanyak 15%.
2025 Realization: 15% Increase in the number of Bank Mayapada digital service users.
Target 2026: Peningkatan jumlah pengguna layanan digital Bank Mayapada sebanyak 37%.
2026 Target: 37% increase in the number of Bank Mayapada digital service users.
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22 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 23
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Tentang Laporan Keberlanjutan
About Sustainability Report Tanggapan Perusahaan terhadap Umpan Balik
Company Response to Feedback
Dukungan Prioritas terhadap Tujuan Pembangunan Berkelanjutan Bank Mayapada menyampaikan apresiasi atas perhatian dan Bank Mayapada expresses its appreciation for the attention
Priority Support for the Sustainable Development Goals (SDGs) umpan balik yang diberikan para pemangku kepentingan, and feedback provided by stakeholders, including the findings
termasuk hasil surat telaah dari OJK terhadap Laporan of the OJK’s review of the Company’s Sustainability Report. In
Keberlanjutan Perseroan. Sebagai tanggapan atas masukan response to the feedback received, in the 2025 Sustainability
TPB/SDGs Target Metadata TPB Strategi Pencapaian Target yang telah diberikan, pada Laporan Keberlanjutan 2025, Bank Report, the Bank presents more comprehensive information on
SDGs Target Metadata Strategy to Achieve Targets melakukan penyajian informasi hasil perhitungan energi dan energy and emissions calculation results.
13.3 Meningkatkan pendidikan, penumbuhan 1. Melakukan kegiatan peningkatan kapasitas dan emisi yang lebih komprehensif.
kesadaran, serta kapasitas manusia dan literasi
kelembagaan terkait mitigasi, adaptasi, keberlanjutan termasuk aksi perubahan iklim baik Umpan balik dan masukan atas Laporan Keberlanjutan Feedback and input on future Sustainability Reports may be
pengurangan dampak dan peringatan dini bagi pemangku kepentingan internal dan eksternal. selanjutnya, dapat disampaikan melalui Sekretaris submitted through the Corporate Secretary.
perubahan ikim. 2. Perawatan rutin pada kendaraan operasional.
Perusahaan.
13.3 Enhancing education, awareness-raising, and 3. Penggunaan lampu LED.
human and institutional capacity on climate change 4. Pemanfaatan teknologi jarak jauh untuk
Mengatasi mitigation, adaptation, impact reduction, and early mengurangi perjalanan bisnis.
Perubahan Iklim warning. 5. Pengaturan penggunaan pencahayaan &
pendingin ruangan sesuai kebutuhan.
Addressing Kontak terkait Laporan Keberlanjutan [2-3]
Climate Change 1. Implement capacity-building and sustainability Contact regarding the Sustainability Report
literacy programs, including climate change
initiatives, for both internal and external stakeholders.
2. Routine maintenance of operational vehicles. Sekretaris Perusahaan - Corporate Secretary
3. Use of LED lighting.
4. Utilization of remote technology to reduce
Kantor Pusat - Head Office
business travel. Mayapada Tower, GF-3rd Floor Jl. Jend. Sudirman Kav. 28
5. Optimization of lighting and air conditioning usage
as needed. Jakarta, Indonesia (12920)
Telp. - Ph.: (+62 21) 521 2288 (Hunting), (+62 21) 521 2300 (Hunting)
Faks. - Fax: (+62 21) 521 1985, (+62 21) 521 1995
Realisasi 2025: Sebanyak 310 karyawan telah mengikuti kegiatan sosialisasi terkait keberlanjutan.
2025 Realization: 310 employees participated in sustainability-related socialization. Surel - Email: corsec@bankmayapada.com
Target 2026: Sebanyak 150 karyawan ditargetkan untuk mengikuti pelatihan terkait keberlanjutan, Situs Web - Website: https://www.bankmayapada.com
dengan fokus pada implementasi standar IFRS S1 dan IFRS S2 serta isu perubahan iklim.
2026 Target: 150 employees are targeted to participate in sustainability-related training, with a focus on the
implementation of IFRS S1 and IFRS S2, as well as climate-related issues.
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Profil Bank Mayapada
Bank Mayapada Profile
Visi Vision
Sekilas Bank Mayapada [2-1, 2-6]
Bank Mayapada at a Glance
Menjadi salah satu bank swasta berkualitas To be one of the quality private banks in
di Indonesia dalam nilai aset, profitabilitas, Indonesia in terms of assets value, profitability, Nama Perusahaan | Company Name:
dan tingkat kesehatan. and soundness rating. PT Bank Mayapada Internasional Tbk
Misi Mission Tanggal/Tahun Pendirian | Date/Year of Establishment:
Menjalankan operasional bank yang sehat dan Performing sound bank operations and 7 September 1989 - September 7, 1989
memberikan nilai tambah maksimal kepada providing maximum added value to customers,
nasabah, karyawan, pemegang saham, dan employees, shareholders, and the government. Bidang Usaha | Line of Business:
pemerintah. Perbankan - Banking
Nilai Keberlanjutan Sustainability Values Bentuk Legal | Legal Entity:
Bank Mayapada berupaya untuk Bank Mayapada fosters a culture of Perseroan Terbatas, Perusahaan Terbuka | Limited Liability Company, Public Company
menumbuhkan budaya keberlanjutan dengan sustainability by adopting sustainability values
Alamat Kantor Pusat | Head Office Address:
menerapkan nilai-nilai keberlanjutan dalam in its operations. The corporate culture, which
Mayapada Tower, GF-3rd floor
operasionalnya. Budaya perusahaan yang is in line with Bank Mayapada’s vision and Jl. Jend. Sudirman Kav. 28 Jakarta, Indonesia, Kode Pos | Postal Code 12920
sejalan dengan visi dan misi Bank Mayapada, mission, is embodied in core values such as Telepon - Telephone : (+62 21) 521 2288 (hunting)
diwujudkan dalam tata nilai, seperti transparency, integrity, professionalism, and (+62 21) 521 2300 (hunting)
transparansi, integritas, profesionalisme, the ability to respond to challenges in banking Faksimile - Facsimile : (+62 21) 521 1985
serta kemampuan menjawab tantangan- operations. (+62 21) 521 1995
tantangan dalam operasi perbankan. Call Center : 1-5000-29
Surel - Email : corsec@bankmayapada.com
Situs Web - Website : www.bankmayapada.com
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Profil Bank Mayapada
Bank Mayapada Profile
Kepemilikan Saham
Share Ownership Bank Mayapada berdiri pada 7 September 1989 dan Bank Mayapada was established on September 7, 1989, and
memperoleh pengesahan hukum dari Menteri Kehakiman received legal approval from the Minister of Justice of the
Republik Indonesia pada 10 Januari 1990. Berkantor pusat di Republic of Indonesia on January 10, 1990. Headquartered in
Jakarta, Bank Mayapada tumbuh sebagai institusi keuangan Jakarta, Bank Mayapada has grown into a financial institution
yang menyediakan beragam layanan perbankan bagi that provides a wide range of banking services to the public
masyarakat dan pelaku usaha. Sejak resmi tercatat sebagai and businesses. Since officially listing as a public company on
20.97% perusahaan publik di Bursa Efek Indonesia pada 1997, Bank the Indonesia Stock Exchange in 1997, Bank Mayapada has
Masyarakat - Public Mayapada terus memperluas jangkauan layanan melalui continued to expand its service reach through the development
24.16% pengembangan jaringan kantor cabang serta pemanfaatan
solusi perbankan digital.
of its branch network and the utilization of digital banking
solutions.
PT Mayapada Karunia
Komitmen Bank Mayapada dalam menghadirkan layanan Bank Mayapada’s commitment to delivering superior services
yang unggul tercermin dari pembiayaan berkelanjutan pada is reflected in its sustained investment in technology and
teknologi dan infrastruktur. Upaya ini memungkinkan Bank infrastructure. These efforts enable the Bank to expand its
untuk memperluas portofolio produk serta meningkatkan product portfolio and enhance the banking experience for
pengalaman perbankan bagi nasabah di seluruh Indonesia. customers across Indonesia. The services offered include
5.89% Layanan yang ditawarkan meliputi perbankan ritel dan
korporasi, fasilitas kredit, serta produk-produk investasi yang
retail and corporate banking, credit facilities, and investment
products designed to meet diverse financial needs.
Jonathan Tahir
dirancang untuk memenuhi beragam kebutuhan finansial.
Sejak 2023, Bank Mayapada memperkuat penawaran Since 2023, Bank Mayapada has strengthened its business
bisnisnya melalui kemitraan dengan Zurich Topaz Life, offerings through a partnership with Zurich Topaz Life,
8.58% khususnya untuk pemasaran produk bancassurance seperti
Ziaga Life Plus (ZLF), Zurich Optimal Health Assurance
specifically for the marketing of bancassurance products such
as Ziaga Life Plus (ZLF), Zurich Optimal Health Assurance
JPMCB Na Re-Cathay
(ZOHA), Mahacita Protection, dan Zurich Plan Protector (ZOHA), Mahacita Protection, and Zurich Plan Protector (ZPP).
Life Insurance Co., Ltd.
19.34% (ZPP). Informasi lebih lengkap mengenai kegiatan usaha
Bank dapat diakses melalui Laporan Tahunan 2025 maupun
More detailed information regarding the Bank’s business
activities can be accessed through the 2025 Annual Report or
Dato’ Sri Prof. DR. Tahir, MBA situs resmi Bank di www.bankmayapada.com. the Bank’s official website at www.bankmayapada.com.
Untuk memastikan layanan yang diberikan selalu memenuhi To ensure that the services provided consistently meet
8.75% standar terbaik, Bank Mayapada secara rutin melakukan the highest standards, Bank Mayapada routinely conducts
evaluations and audits of its operational processes. An
PT Gatsu Griya evaluasi dan audit terhadap proses operasionalnya. Penilaian
Megatama 12.31% oleh pihak independen telah mengantarkan Bank meraih
sertifikasi ISO 9001:2008 Sistem Manajemen Mutu, yang
assessment by an independent party has led the Bank
to achieve ISO 9001:2008 Quality Management System
PT Mayapada Kasih berlaku hingga 7 Agustus 2027. certification, valid until August 7, 2027.
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Profil Bank Mayapada
Bank Mayapada Profile
LOANS
Produk dan Layanan Bank [2-1]
Bank’s Products and Services
• myLOAN • Bank Garansi
a. Kredit Modal Kerja: Bank Guarantees
SIMPANAN Working Capital Loan: a. Tender/Bid Bond
SAVINGS DEPOSITO & GIRO - Pinjaman Rekening Koran (PRK) b. Performance Bond
TIME DEPOSITS & DEMAND DEPOSITS Overdraft Loan Facility (PRK) c. Advance Payment Bond
- Pinjaman Tetap Angsuran d. Payment Bond
Fixed Installment Loan e. Custom Bond
- Pinjaman Tetap
Fixed Loan • Standby Letter of Credit (SBLC)
Valas - Kredit Impor
Valas
Import Loan • LC/SKBDN
- Kredit Ekspor a. LC/SKBDN Sight
Export Loan b. LC/SKBDN Usance
- Pinjaman Back to Back c. Trust Receipt
E-BANKING
Back to Back Loan
• Pinjaman Akseptasi
BIAYA & TARIF b. Kredit Investasi Acceptance Loan
FEE & TARIFF
Investment Loan
• Kredit Channeling
• Info Tarif / Tariff Info c. Kredit Sindikasi Channeling Loan
• Suku Bunga / Interest Rates Syndicated Loan
• Suku Bunga Dasar Kredit / • Kredit Usaha Kecil
Prime Lending Rates d. Kredit Konsumtif: Small Business Loan
• Kurs / Exchange Rates Consumer Loan:
TOKEN - Kredit Pemilikan Properti (KPP) dan Kredit • Money Market Line
• myVA Konsumsi Beragun Properti (KKBP) /
myHOME Loan
BANCASSURANCE • Mayapada E-Money (co-branding)
Property Loan (KPP) and Property
• Mayapada Flazz (co-branding)
Consumption Loan (KKBP) / myHOME Loan
• myFAMILY Saving • myMINI ATM - Kredit Tanpa Agunan
• MahaCita Protection Personal Loan
• Q Protection - Kartu Kredit
• Zurich Optimal Health Assurance Credit Card
• Ziaga Life Plus
• Z Life Credit Protection ANTARBANK
• Surat Berharga Negara (SBN) Ritel / INTERBANK
Government Retail Bonds Untuk informasi lebih lanjut, silakan scan
• Zurich Plan Protector LAYANAN LAINNYA QR atau hubungi myCALL 1500029
• Zurich Life Flexy • Kliring / Clearing OTHER SERVICES For further information, please scan the
• Zurich Family Gen Assurance • LLG & RTGS QR or call myCALL 1500029
(berakhir di Desember 2025 - • Transaksi Valas / Forex Transaction
ended in December 2025) • BI Fast
• Zurich Income Assurance Plan Pro
• Credit Life Asuransi Sequis Life PAYROLL
• Sompo - Asuransi Umum / Layanan MPN-G3 /
General Insurance MPN-G3 Service
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Profil Bank Mayapada
Bank Mayapada Profile
Skala Usaha
Business Scale
Jumlah Karyawan berdasarkan Gender [2-7]
Total Employees by Gender
Uraian - Description Satuan - Unit 2025 2024 2023
2025
Jumlah karyawan Orang
2,669 2,778 2,821 42.60% 57.40%
Total employees People
Jaringan kantor cabang, cabang 1,137 orang - people 1,532 orang - people
pembantu, dan fungsional Kantor
162 199 199 Total: 2,669 orang - people
Networks of branch, sub-branch, and Office
functional offices
Pendapatan bunga 2024
12.88 11.18 8.76
Interest income 42.58% 57.42%
Total aset 1,183 orang - people 1,595 orang - people
163.83 150.18 141.49
Total assets Rp Triliun
Total liabilitas Rp Trillion Total: 2,778 orang - people
146.76 133.24 125.62
Total liabilities
Total ekuitas 2023
Total equity 17.07 16.94 15.87
44.31% 55.69%
Laki-laki - Male Perempuan - Female
1,250 orang - people 1,571 orang - people
Total: 2,821 orang - people
Karyawan Bank Mayapada Bank Mayapada’s Employees
Jumlah Karyawan berdasarkan Gender dan Status Ketenagakerjaan [2-7]
Kelangsungan bisnis Bank Mayapada didukung oleh The sustainability of Bank Mayapada’s business was supported Total Employees by Gender and Employment Status
kinerja seluruh karyawan. Bank melakukan pengelolaan by the performance of all employees. The Bank managed
Sumber Daya Manusia (SDM) melalui penyediaan tenaga its human capital through the provision of a workforce that 2025 2024 2023
kerja yang kompeten, adaptif, dan berintegritas. Bank juga is competent, adaptive, and upholds integrity. The Bank also Status Ketenagakerjaan
menerapkan pengelolaan talenta, perencanaan suksesi, implemented talent management, succession planning, Employment Status Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
serta pengembangan kompetensi yang terintegrasi dengan and competency development integrated with the business Male Female Male Female Male Female
kerangka manajemen kesinambungan bisnis (business continuity management (BCM) framework. Karyawan Tetap
continuity management/BCM). 1,047 1,459 1,073 1,473 1,149 1,456
Permanent Employee
Peran aktif serta dedikasi seluruh insan Bank Mayapada The active role and dedication of all Bank Mayapada employees Karyawan Tidak Tetap
90 73 110 122 101 115
menjadi fondasi penting dalam mendorong kemajuan Bank served as a key foundation in driving the Bank’s progress Non-Permanent Employee
dan memastikan terselenggaranya layanan perbankan and ensuring the delivery of optimal banking services to Jumlah
1,137 1,532 1,183 1,595 1,250 1,571
yang optimal bagi nasabah. Pada 2025, Bank Mayapada customers. In 2025, Bank Mayapada strengthened its human Total
memperkuat SDM melalui penerimaan 143 karyawan baru, capital through the recruitment of 143 new employees, with an
dengan tingkat perputaran karyawan tercatat sebesar 9,44%. employee turnover rate recorded at 9.44%.
Jumlah Karyawan berdasarkan Gender dan Pendidikan [2-7]
Total Employees by Gender and Education
2025 2024 2023
Pendidikan
Education Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female
Sarjana & Pascasarjana
940 1,152 970 1,180 994 1,147
Graduates & Postgraduates
Sarjana Muda
83 165 92 173 114 170
Undergraduates
Non-Akademi
114 215 121 242 142 254
Non-Academics
Jumlah
1,137 1,532 1,183 1,595 1,250 1,571
Total
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32 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 33
Page 18
Profil Bank Mayapada
Bank Mayapada Profile
Jumlah Karyawan berdasarkan Gender dan Wilayah Kerja [2-7] Jumlah Karyawan Berdasarkan Gender, Rentang Usia, dan Level Jabatan [2-7]
Total Employees by Gender and Working Area Total Employees by Gender, Age Group, and Position Level
2025 2024 2023 2025
Wilayah Kerja
Working Area Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female Entry-level Mid-level Senior-level Executive-level Jumlah
Rentang Total
Ind. Tengah, Ind. Timur & Usia Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Batam 77 217 92 245 101 244 Age Group Male Female Male Female Male Female Male Female
Middle Ind., East Ind., & Batam
Jabodetabek 798 752 762 713 729 685 18-25 58 116 0 0 0 0 0 0 174
Jawa Tengah, D.I. Yogyakarta 25-35 326 627 11 20 0 0 0 0 984
69 168 79 187 115 189
Central Java, D.I. Yogyakarta
35-45 348 381 73 80 20 20 0 0 922
Jawa Barat
30 68 38 74 50 74 45-55 135 97 46 66 24 36 2 1 407
West Java
>55 25 31 32 27 28 30 9 0 182
Jawa Timur
113 218 145 242 161 244
East Java
Sumatra 50 109 67 134 94 135
2024
Jumlah
1,137 1,532 1,183 1,595 1,250 1,571 Entry-level Mid-level Senior-level Executive-level Jumlah
Total
Rentang Total
Usia Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Age Group Male Female Male Female Male Female Male Female
Jumlah Karyawan berdasarkan Gender dan Level Jabatan [2-7] 18-25 46 102 0 0 0 0 0 0 148
Total Employees by Gender and Position Level 25-35 355 683 9 14 0 0 0 0 1,061
35-45 370 397 71 79 19 23 0 0 959
2025 2024 2023
45-55 135 101 48 66 21 38 2 1 412
Jabatan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Male Female Male Female Male Female >55 31 33 36 29 32 29 8 0 198
Position
Jumlah % Jumlah % Jumlah % Jumlah % Jumlah % Jumlah %
Total Total Total Total Total Total
2023
Entry-level 892 42 1,252 58 937 42 1,316 58 974 43 1,306 57
Mid-level 162 46 193 54 164 47 188 53 186 51 177 49 Entry-level Mid-level Senior-level Executive-level Jumlah
Rentang Total
Senior-level 72 46 86 54 72 44 90 56 79 48 87 52 Usia Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
Age Group Male Female Male Female Male Female Male Female
Executive-level 11 92 1 8 10 91 1 9 11 92 1 8
Jumlah
1,137 43 1,532 57 1,183 43 1,595 57 1,250 44 1,571 56 18-25 19 56 0 0 0 0 0 0 75
Total
25-35 360 681 6 14 0 0 0 0 1,061
35-45 398 425 79 67 16 19 0 0 1,004
45-55 164 105 63 65 30 36 3 1 467
>55 33 39 38 31 33 32 8 0 214
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Profil Bank Mayapada
Bank Mayapada Profile
Wilayah Operasional dan Pasar Terlayani [2-6] Operational Areas and Served Market [2-6] terus memantau perkembangan industri dan regulasi, regulatory changes, Bank Mayapada is an active member of
Bank Mayapada aktif menjadi anggota berbagai asosiasi various associations within the banking industry, such as the
Dalam perjalanannya sebagai lembaga perbankan yang In its journey as a growing banking institution in Indonesia, di industri perbankan, seperti Asosiasi Emiten Indonesia Indonesian Issuers Association (AEI), the Indonesian Banks
terus bertumbuh di Indonesia, Bank Mayapada berkomitmen Bank Mayapada remained committed to supporting national (AEI), Perhimpunan Bank Nasional (Perbanas), dan Forum Association (Perbanas), and the Banking Compliance Directors
untuk mendukung pertumbuhan ekonomi nasional melalui economic growth through the provision of various financial Komunikasi Direktur Kepatuhan Perbankan (FKDKP), Communication Forum (FKDKP), Indonesia Corporate
penyediaan berbagai solusi dan layanan keuangan. Bank solutions and services. The Bank served the needs of individual Indonesia Corporate Secretary Association (ICSA), Secretary Association (ICSA), Association Of Indonesian
melayani kebutuhan nasabah perorangan, pelaku usaha, customers, business entities, and institutions, with a focus on Association Of Indonesian Investor Relation (AIR), Forum Investor Relation (AIR), Indonesian Banking Human Capital
hingga institusi, dengan fokus pada pasar domestik. the domestic market. Human Capital Perbankan Indonesia (FHCPI). Forum(FHCPI).
Keanggotaan pada Asosiasi [2-28] Membership of the Association [2-28] Perubahan Signifikan Significant Changes
Hingga saat ini, Bank Mayapada belum bergabung dengan To date, Bank Mayapada has not joined any associations Tidak terdapat perubahan signifikan yang berdampak pada There were no significant changes in 2025 that impacted
asosiasi yang bergerak di bidang praktik keuangan focused on sustainable finance practices. However, as part operasional Bank, perubahan model bisnis, rantai pasokan, the Bank’s operations, business model, supply chain, or legal
berkelanjutan. Meskipun demikian, sebagai upaya untuk of its efforts to stay abreast of industry developments and ataupun bentuk legal perusahaan di tahun 2025. structure.
94
39
Cabang Pembantu
Sub-Branches 29
Kantor Fungsional
155
Anjungan Tunai
Functional Offices
Mandiri (ATM)
Cabang Automated Teller
Machines (ATMs)
Branches
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Tata Kelola Keberlanjutan Struktur Tata Kelola [2-9, 2-11]
Sustainability Governance Governance Structure
GENERAL MEETING OF SHAREHOLDERS
Audit Committee Board of Commissioners
Risk Monitoring Committee
Remuneration & Nomination Committee
Board of Directors Asset & Liability Committee
Risk Management Committee
President Director
Hariyono Tjahjarijadi Credit Committee
Information Technology Committee
Vice President Director
Thomas Arifin
Director of
Director of Compliance, Risk &
Wholesale Banking Legal Chief Financial Chief Information &
Assistant Director of
Yohanes Suhardi Rudy Mulyono Chief People Officer
Distribution Officer Operation Officer
Arif Mualim
Tjhan Tjen Ie Susan Liwang Yusak Pranoto
Treasury & IT Development &
Wholesale SME & Commercial Digital Business & Internal Audit & Compliance and HC Strategy, Policy
Distribution Financial Credit MIS & Accounting Operations
Banking 1 IT Strategic Control AML & Culture
Singso Setiono Institution
Vacant Vacant Cuan Min Yusak Pranoto
Vacant Hadiyanto Yoseph Tedi P.C.B Jennifer Ann Vacant
Budi Warsito
Credit Risk Organization
Wholesale Corporate & Financial Corporate Development,
SME &
Treasury Digital Reporting Control Operations
Banking 2 Commercial
Area Business Credit Assessment Transformation Secretary Planning Talent, and
Tjie Fa Tjin Unit Dudi Supriadi Learning &
Vacant Areas Kriss Budi Utomo Vacant
Ong Wijaya Wilton Jayadi Trijanti Setiawan Development
Commercial Keren Fransisca M
Senior Banker
IT Strategy, Strategic Program
Transaction Vacant Financial Wholesale Management Procurement & Talent Acquisition,
Banking Partnership, Integrated Risk Credit Operations
Institution Recovery Architecture & Office General Affairs Performance
Vacant Branches SME & Cyber Security Karina Siro F.D.U Eddy Wijaya & Reward
Commercial Nikolaus L. N. P Yohanes Ali S. Lisa Karis Elizabeth S
Gading Governance Management
Support
Hadiyanto Yulia Bayu Pristiwi
Jimmy Suherman
Wholesale
Business Financial Trade Operations
Development & Consumer Consumer SME Legal
Network Funding, Recovery Business Controller HC Operations
Support Management Bancassurance & Vincent Suteja Tee Performance Judi Astuti Santoso Daniel Limaran
Vacant
Vionita Wealth Vacant Monitoring Alice Roshadi
Susanto Herry
Sri Suryani Wahyu Prasetyo
Credit Card &
Personal Loan
Heavy Equipment New Business Service Quality
/ Trucks Digital Channel
Build Eraninta Sembiring
Tjan Hendra Bobby Tedjo
Mortgage Hadiyanto
Marketing Product HC Business
Communication Partner
& Customer Auto Loan
Engagement Vacant
Husein Adiwidjaja
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Tata Kelola Keberlanjutan
Sustainability Governance
Penanggung Jawab Penerapan Keuangan Berkelanjutan Responsible for Implementing Sustainable Finance [2-12, 2-13, Pengelolaan Risiko atas Penerapan Keuangan Risk Assessment of the Implementation of Sustainable
[2-12, 2-13, FS4] FS4] Berkelanjutan [FS2, FS3, FS9, FS10] Finance [FS2, FS3, FS9, FS10]
Penerapan keuangan berkelanjutan di Bank Mayapada The implementation of sustainable finance at Bank Mayapada Dalam implementasi keuangan berkelanjutan, Bank In implementing sustainable finance, Bank Mayapada
dijalankan sebagai tanggung jawab kolektif seluruh insan is carried out as a collective responsibility of all Bank Mayapada menyadari adanya berbagai risiko yang perlu recognized various risks that required careful management,
Bank, mulai dari Dewan Komisaris, Direksi, hingga karyawan. personnel, ranging from the Board of Commissioners, the dikelola secara cermat, termasuk risiko yang timbul dari including risks arising from adjustments to lending
Dalam struktur tata kelola, Direktur Kepatuhan, Risiko dan Board of Directors, to employees. Within the governance penyesuaian persyaratan kredit dalam rangka meningkatkan requirements in order to increase its green financing portfolio.
Legal memegang peran utama dalam mengoordinasikan structure, the Director of Compliance, Risk & Legal plays a portofolio pembiayaan hijau.
penerapan keuangan berkelanjutan, termasuk key role in coordinating the implementation of sustainable
pengembangan strategi serta pemantauan pelaksanaan finance, including strategy development and monitoring the Dalam proses penyaluran kredit, Bank Mayapada menerapkan In the lending process, Bank Mayapada applied an internal
RAKB. Untuk mendukung fungsi tersebut, Bank membentuk implementation of RAKB. To support this function, the Bank sistem internal scoring untuk segmen Kredit Perorangan, scoring system for the Individual, Consumer, and Retail
Tim Sustainable Finance di bawah Direktorat Kepatuhan, established a Sustainable Finance Team under the Compliance, Konsumer, dan Ritel sebagai bagian dari pengelolaan risiko segments as part of its credit risk management. Meanwhile,
Risiko dan Legal, yang bertugas melaksanakan program Risk & Legal Directorate, tasked with implementing the RAKB kredit. Sementara itu, untuk segmen UKM dan Korporasi, for the SME and Corporate segments, the Bank uses an
RAKB bersama unit kerja terkait serta memantau capaian program in collaboration with relevant departments and Bank menggunakan sistem internal rating guna memastikan internal rating system to ensure that risk assessments are
kinerjanya. Hasil evaluasi RAKB dilaporkan kepada Direktur monitoring its performance outcomes. The results of the RKAB penilaian risiko dilakukan secara komprehensif dan terukur. conducted comprehensively and measurably.
Utama, serta disampaikan secara berkala kepada Otoritas evaluation are reported to the President Director and submitted
Jasa Keuangan (OJK) sebagai wujud akuntabilitas Bank periodically to the OJK as a demonstration of the Bank’s Manajemen risiko LST diimplementasikan melalui beberapa ESG risk management is implemented in several ways,
terhadap kinerja keuangan berkelanjutan. accountability regarding sustainable finance performance. cara, antara lain: including:
1. Melakukan verifikasi debitur yang masuk dalam kategori 1. Verifying debtors who fall into the category of green
Ke depan, pengawasan atas implementasi aspek LST dan Moving forward, oversight of the implementation of ESG and konstruksi berwawasan hijau, antara lain: construction, among others:
keuangan berkelanjutan dilakukan melalui dua mekanisme sustainable finance aspects is conducted through two main • Pembangunan yang memanfaatkan sumber daya alam • Development that utilizes natural resources effectively,
utama, yaitu Komite Manajemen Risiko, yang bertanggung mechanisms: the Risk Management Committee, which is secara efektif, efisien, dan bijaksana; efficiently, and wisely;
jawab atas pelaksanaan dan pengawasan langsung responsible for the implementation and direct supervision of • Pembangunan yang mampu memperluas lapangan dan • Development that is able to expand employment and job
kebijakan, serta Komite Pemantau Risiko, yang menjalankan policies; and the Risk Monitoring Committee, which performs an kesempatan kerja; opportunities;
fungsi evaluasi independen terhadap kinerja Komite independent evaluation of the Risk Management Committee’s • Pembangunan yang mampu meminimalkan kerusakan • Development that is able to minimize environmental
Manajemen Risiko sekaligus memastikan kepatuhan Bank performance while ensuring the Bank’s compliance with dan pencemaran lingkungan. damage and pollution.
terhadap prinsip keuangan berkelanjutan. sustainable finance principles.
2. Melaksanakan rencana tindakan Bank Mayapada terhadap 2. Implementing Bank Mayapada’s action plan for debtors
Pengembangan Kompetensi terkait Keuangan Competency Development Related to Sustainable Finance debitur yang belum dilengkapi izin lingkungan, antara lain: who have not completed environmental permits, among
Berkelanjutan [2-17, FS4] [2-17, FS4] others:
• Mengirimkan surat imbauan kepada debitur yang belum • Sending appeal letters to debtors who have not
Bank menyelenggarakan program pengembangan kapasitas The Bank implemented capacity-building programs in melengkapi izin lingkungan; completed environmental permits;
di bidang keuangan berkelanjutan yang melibatkan seluruh sustainable finance involving all levels of the organization, • Menyosialisasikan pentingnya kegiatan usaha • Socializing the importance of ESG-oriented business
lapisan organisasi, mulai dari Dewan Komisaris, Direksi, ranging from the Board of Commissioners, the Board of berwawasan LST; activities;
hingga karyawan. Directors to employees. • Menyusun kebijakan untuk mensyaratkan kepada calon • Establishing a policy to require new prospective debtors
debitur baru yang berwawasan LST, antara lain dalam to be ESG-minded, among others in the assessment
penilaian debitur, maka calon debitur yang berwawasan of debtors, prospective debtors with ESG-minded shall
Pelatihan terkait Keberlanjutan LST mendapat nilai skor lebih tinggi dibandingkan calon receive a higher score than prospective debtors who do
Sustainability-related Training debitur yang belum berwawasan LST. not have ESG-minded.
Jumlah Peserta - Number of Participant
Topik Pelatihan - Training Topic
2025 2024 2023 Permasalahan, Perkembangan, dan Pengaruh terhadap Issues, Development, and Effects on the Sustainable
Penerapan Keuangan Berkelanjutan [2-25, 2-26, 2-27] Finance Implementation [2-25, 2-26, 2-27]
Sosialisasi Emisi Gas Rumah Kaca
305 96 153
Greenhouse Gas Emission Awareness Bank menyadari bahwa penerapan keuangan berkelanjutan The Bank recognizes that the implementation of sustainable
Workshop Penerapan Climate Risk Management and Scenario memerlukan kesiapan organisasi, penyesuaian proses, finance requires organizational readiness, process
Analysis 2 0 0 serta penguatan kapasitas yang dilakukan secara bertahap adjustments, and capacity building carried out in a gradual
Workshop on Climate Risk Management and Scenario Analysis dan terukur, dengan tetap mempertimbangkan dinamika and measured manner, while taking into account the
Aspek Hukum Transaksi Carbon Trading dan Alternatif tantangan dan peluang yang berkembang. Dalam proses evolving dynamics of challenges and opportunities. In the
Penyelesaian Sengketa di Sektor Jasa Keuangan implementasinya, Bank Mayapada mengidentifikasi sejumlah implementation process, Bank Mayapada has identified
3 0 0
Legal Aspects of Carbon Trading Transactions and Alternative tantangan utama, antara lain: several key challenges, including:
Dispute Resolution in the Financial Services Sector • Keterbatasan jumlah debitur hijau • Limited number of green debtors
Jumlah • Perlunya peningkatan kesadaran dan komitmen unit bisnis • The need to enhance awareness and commitment among
310 96 153
Total terhadap urgensi keuangan berkelanjutan. business units regarding the urgency of sustainable
finance.
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Tata Kelola Keberlanjutan
Sustainability Governance
• Masih adanya perbedaan persepsi di antara pemangku • The existence of differing perceptions among stakeholders. II/2025, yang berlaku bagi Dewan Komisaris, Direksi, anggota DIR/II/2025. This policy applies to the Board of Commissioners,
kepentingan. komite, pihak independen, dan seluruh karyawan. Kebijakan the Board of Directors, committee members, independent
• Pengembangan sistem untuk pemetaan taksonomi hijau. • The development of systems for green taxonomy mapping. ini mengatur larangan penerimaan dan pemberian gratifikasi parties, and all employees. It regulates the prohibition of
• Perlunya sinergi dalam upaya penurunan emisi GRK antara • The need for synergy in GHG emissions reduction efforts serta klasifikasi gratifikasi yang dianggap suap dan tidak accepting and providing gratuities, as well as the classification
pemerintah, regulator, dan pelaku usaha. among the government, regulators, and business actors. dianggap suap. of gratuities considered bribery and those not considered
bribery.
Untuk merespons tantangan tersebut, Bank Mayapada To address these challenges, Bank Mayapada has adapted
menyesuaikan dan mengembangkan kebijakan internal, and developed internal policies, strengthened its green Implementasi Implementation
meningkatkan persyaratan pembiayaan hijau, hingga financing requirements, and established a Sustainable Finance Bank melarang penerimaan maupun pemberian gratifikasi The Bank strictly prohibits the acceptance or provision
membentuk Tim Sustainable Finance. Bank juga mendorong Team. The Bank also promotes greater understanding and dalam bentuk apa pun, baik untuk kepentingan pribadi maupun of gratuities in any form, whether for personal gain or for
peningkatan pemahaman dan kompetensi seluruh pemangku competence among all stakeholders through training and pihak lain yang dapat menimbulkan benturan kepentingan the benefit of third parties, that could lead to a conflict of
kepentingan melalui program pelatihan dan edukasi, serta educational programs, and aligns its business activities more atau melanggar ketentuan. Gratifikasi diklasifikasikan secara interest or violate applicable regulations. Gratuities are clearly
mengarahkan aktivitas bisnis agar semakin selaras dengan closely with environmentally friendly practices. jelas, termasuk gratifikasi yang dikategorikan sebagai suap classified within our framework, including those deemed as
praktik ramah lingkungan. seperti marketing fee dan kickback, serta gratifikasi yang bribery, such as marketing fees and kickback, as well as those
tidak dianggap suap, namun tetap memerlukan pengendalian not considered bribery, which nonetheless remain subject to
Di sisi lain, penerapan keuangan berkelanjutan membuka On the other hand, the implementation of sustainable finance sesuai kebijakan internal. oversight and control under our internal policies.
berbagai peluang strategis bagi Bank. Peluang tersebut opens up various strategic opportunities for the Bank. These
antara lain perluasan pangsa pasar melalui pembiayaan opportunities include expanding market share through Upaya pencegahan korupsi juga diperkuat melalui program We further reinforce our anti-corruption framework through
berkelanjutan, dukungan terhadap pencapaian Tujuan sustainable financing, supporting the achievement of the peningkatan kesadaran meliputi seminar, pelatihan, seminars, professional training, socialization, and collaborative
Pembangunan Berkelanjutan (TPB) melalui pembiayaan Sustainable Development Goals (SDGs) through financing for sosialisasi, dan sharing session. Selain itu, Bank menerapkan sharing sessions. Additionally, the Bank implements due
transportasi ramah lingkungan, infrastruktur hijau, serta eco-friendly transportation, green infrastructure, as well as mekanisme uji tuntas yang mencakup Know Your Customer diligence mechanisms incorporating the Know Your Customer
program mitigasi dan adaptasi perubahan iklim. climate change mitigation and adaptation programs. (KYC) untuk nasabah dan rekanan, serta Know Your (KYC) principle for customers and business partners, as well
Employee (KYE) untuk calon karyawan dan karyawan aktif, as the Know Your Employee (KYE) principle for prospective and
Seiring dengan meningkatnya urgensi isu perubahan iklim As the urgency of climate change issues grows and Indonesia’s sebagaimana diatur dalam kebijakan internal Bank. existing employees, as stipulated in the Bank’s internal policies.
dan komitmen nasional Indonesia untuk mencapai Net national commitment to achieving net zero emissions (NZE) by
Zero Emission (NZE) pada 2060 atau lebih cepat, Bank 2060 or sooner intensifies, Bank Mayapada continues to monitor Pengawasan Oversight
Mayapada terus memantau dan menyesuaikan diri dengan and adapt to relevant policy developments and standards. This Bank Mayapada menerapkan prinsip zero tolerance Bank Mayapada adopts a strict zero-tolerance policy toward
perkembangan kebijakan serta standar yang relevan. Hal ini includes participation in the development and implementation terhadap korupsi dan suap, dengan melibatkan seluruh corruption and bribery, engaging all internal and external
mencakup partisipasi dalam pengembangan dan penerapan of the Indonesian Sustainable Finance Taxonomy (TKBI) as pemangku kepentingan internal dan eksternal. Pengawasan stakeholders in our commitment to integrity. Oversight of our
Taksonomi Keuangan Berkelanjutan Indonesia (TKBI) an enhancement of the Indonesian Green Taxonomy (THI), atas penerapan kebijakan antikorupsi dilakukan secara anti-corruption initiatives is managed through an integrated
sebagai penyempurnaan dari Taksonomi Hijau Indonesia as well as monitoring international standards such as the terintegrasi oleh Satuan Kerja Manajemen Risiko (SKMR) framework led by the Risk Management Unit (SKMR) and the
(THI), serta pemantauan standar internasional seperti IFRS Sustainability Disclosure Standards (IFRS S1 and S2). bagian Operational Risk, bekerja sama dengan Satuan Operational Risk unit, in close collaboration with the Internal
IFRS Sustainability Disclosure Standards (IFRS S1 dan S2). Bank Mayapada has participated in the pilot project for the Kerja Audit Internal (SKAI), Fraud Banking Investigation Audit Unit (SKAI), the Fraud Banking Investigation (FBI), and
Bank Mayapada telah berpartisipasi dalam pilot project implementation of TKBI Version 2 by conducting assessments (FBI), serta APU-PPT. Sejak 8 April 2024, Bank mengadopsi the Anti-Money Laundering and Counter-Terrorism Financing
implementasi TKBI Versi 2 dengan melakukan penilaian and reporting to OJK, achieving mapping coverage of 30% for ISO 37001:2016 Sistem Manajemen Anti Penyuapan untuk (APU-PPT). Since 8 April 2024, the Bank has adopted the ISO
dan pelaporan kepada OJK untuk pemetaan mencapai the non-SME segment and 20% for the SME segment, based on memperkuat tata kelola. 37001:2016 Anti-Bribery Management System to strengthen
30% untuk segmentasi Non-UKM dan 20% untuk UKM dari total outstanding loans from activities classified as Taxonomy governance practices.
total outstanding kredit dari seluruh aktivitas yang masuk Eligible as of the end of 2025. Meanwhile, in preparation for
ke dalam Taxonomy Eligible per akhir 2025. Sementara itu, the adoption of IFRS S1 and S2, or SPK 1 and 2, the Bank Evaluasi Evaluation
guna mempersiapkan diri untuk adopsi IFRS S1 dan S2 atau will identify ESG and climate-related risks and opportunities Evaluasi dilakukan melalui pelatihan rutin dan asesmen Evaluation was conducted through regular training and
SPK 1 dan 2, Bank akan mengidentifikasi risiko dan peluang within its business operations. Subsequently, climate scenario risiko korupsi pada unit kerja tertentu. Di 2025, pelatihan corruption risk assessments in selected work units. In 2025,
LST dan iklim dalam operasional bisnis. Kemudian, akan analysis and sustainability risk management will be conducted antikorupsi diikuti oleh 308 karyawan (11,5% dari total anti-corruption training was attended by 308 employees
dilakukan analisis skenario iklim dan manajemen risiko LST to assess their financial impacts on the Bank. karyawan). Asesmen risiko oleh Audit Internal dan auditor (11.5% of total employees). Risk assessments conducted by
yang berdampak pada finansial Bank. eksternal menunjukkan 3 minor 3 observasi dari 5 divisi Internal Audit and external auditors identified 3 minor findings
memiliki yang dilakukan pemeriksaan terkait antikorupsi dan and 3 observations across 5 divisions that were subject to anti-
Penerapan Anti-fraud, Antikorupsi, Antigratifikasi, dan Enforcement of Anti-Fraud, Anti-Corruption, Anti- menjadi fokus penguatan pengendalian lanjutan. corruption reviews, which became the focus of further control
Antipenyuapan [205-1, 205-2, 205-3] Gratification, and Anti-Bribery [205-1, 205-2, 205-3] strengthening.
Kebijakan Policy
Bank Mayapada berupaya menciptakan lingkungan Bank Mayapada strives to create a decent work environment Sosialisasi dan/atau Pelatihan terkait Antikorupsi
Anti-Corruption Socialization and/or Training
kerja yang sehat dan bebas fraud, korupsi, dan suap. that is free from fraud, corruption, and bribery. The Bank has
Bank Mayapada menetapkan kebijakan antikorupsi dan established an anti-corruption and anti-gratification policy
antigratifikasi melalui SK Direksi No. 157/SK/DIR/XII/2021 through Board of Directors Decree No. 157/SK/DIR/XII/2021, Jumlah Batch - Number of Batch Jumlah Peserta - Number of Participants
yang telah diperbaharui kembali pada SK No. 021/SK/DIR/ which was subsequently updated under Decree No. 021/SK/
7 batches 308 karyawan - employees
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Tata Kelola Keberlanjutan
Sustainability Governance
Pencegahan, Pengendalian, dan Pelaporan Fraud Fraud Prevention, Control, and Reporting perbaikan sistem untuk mencegah terulangnya kejadian implementing corrective measures to prevent the recurrence
serupa. Sepanjang tahun 2025, Bank tidak menerima laporan of similar incidents. Throughout 2025, the Bank did not receive
Komitmen Bank Mayapada dalam mencegah dan Bank Mayapada’s commitment to preventing and combating terkait fraud melalui whistleblowing system. any fraud-related reports through the whistleblowing system.
memberantas fraud diwujudkan melalui penerapan strategi fraud was demonstrated through the implementation of a
anti-fraud yang terstruktur. Bank memiliki Pedoman structured and sustainable anti-fraud strategy. The Bank Pelibatan Pemangku Kepentingan [2-29] Stakeholder Engagement [2-29]
Penerapan Strategi Anti-Fraud yang dikelola oleh Departemen maintained Anti-Fraud Strategy Implementation Guidelines
Fraud Banking Investigation (FBI) dan ditetapkan melalui SK managed by the Fraud Banking Investigation (FBI) Department. Bank Mayapada mengelola keterlibatan pemangku Bank Mayapada manages stakeholder engagement by
Direksi No. 08/SK/DIR/V/2012, sebagaimana telah diperbarui and established through Board of Directors Decree No. 08/SK/ kepentingan dengan mengelompokkan mereka ke dalam grouping stakeholders into six categories based on their level
dengan SK Direksi No. 117/SK/DIR/X/2024. Pedoman ini DIR/V/2012, as subsequently updated by Board of Directors enam kategori berdasarkan tingkat kedekatan dan of proximity to and interest in the Bank’s operations. To support
menjadi acuan utama dalam pengelolaan risiko fraud di Decree No. 117/SK/DIR/X/2024. These guidelines served as kepentingan terhadap operasional Bank. Untuk mendukung effective communication, the Bank utilizes various channels of
seluruh aktivitas operasional Bank. the primary reference for fraud risk management across all of komunikasi yang efektif, Bank memanfaatkan berbagai interaction, including regular forums and meetings for internal
the Bank’s operational activities. kanal interaksi, baik melalui forum dan pertemuan rutin bagi stakeholders, as well as business activities, meetings, and
pemangku kepentingan internal maupun melalui aktivitas participation in industry forums for external stakeholders.
Strategi anti-fraud Bank Mayapada mengacu pada empat Bank Mayapada’s anti-fraud strategy was based on four bisnis, pertemuan, serta partisipasi dalam forum industri
pilar pengendalian fraud, yang diimplementasikan melalui pillars of fraud control, which were implemented through bagi pemangku kepentingan eksternal.
Sistem Pengendalian Fraud secara menyeluruh. Sistem a comprehensive Fraud Control System. This end-to-end
ini mencakup tahapan pencegahan, deteksi, investigasi, framework encompasses prevention, detection, investigation,
pelaporan dan pemberian sanksi, pemantauan, evaluasi, and reporting, as well as sanctioning, monitoring, and follow-up
serta tindak lanjut. Pendekatan terintegrasi tersebut actions. This integrated approach allows the Bank to identify
memungkinkan Bank mengidentifikasi dan menangani risiko and address potential risks with systemic precision.
fraud secara lebih sistematis.
Dalam implementasinya, Bank secara konsisten In its implementation, the Bank consistently conducts
menyelenggarakan sosialisasi kebijakan anti-fraud guna dissemination programs on anti-fraud policies to enhance
meningkatkan kesadaran karyawan terhadap perilaku employee awareness of ethical conduct and vigilance against
etis dan kewaspadaan terhadap potensi kecurangan. potential fraudulent activities. Information is communicated
Penyampaian informasi dilakukan melalui berbagai media through various internal communication channels, including
komunikasi internal, termasuk surat edaran, surel, intranet, circular letters, emails, the intranet, and visual materials, to
dan materi visual, agar menjangkau seluruh karyawan secara ensure effective outreach to all employees.
efektif.
Untuk memperkuat pengendalian fraud dan menjaga To further strengthen fraud controls and safeguard service
keamanan layanan, Bank Mayapada juga memanfaatkan security, Bank Mayapada also leverages supporting
teknologi pendukung, antara lain melalui pemasangan technologies, including the installation of closed-circuit
closed-circuit television (CCTV) di seluruh ATM, area frontliner, television (CCTV) systems at all automated teller machines
ruang penyimpanan kas, serta area rawan fraud. Bank juga (ATMs), frontliner areas, cash storage rooms, and other fraud-
telah melakukan implementasi Fraud Detection System prone areas. The Bank has also implemented a Fraud Detection
pada kanal digital guna memantau transaksi secara real time System across its digital channels to monitor transactions in
dan mendeteksi potensi fraud maupun anomali secara dini. real time and to detect potential fraud and anomalies at an early
Berdasarkan Laporan Penerapan Strategi Anti Fraud 2025 stage. Based on the 2025 Anti-Fraud Strategy Implementation
yang telah disampaikan ke regulator terdapat 1 kejadian Report submitted to the regulator, there was one reported fraud
fraud, namun tidak terdapat kerugian yang dialami Bank. incident; however, no financial loss was incurred by the Bank.
Sistem Pelaporan Pelanggaran Whistleblowing System
Sebagai bagian dari mekanisme pengendalian, Bank As part of its control mechanism, the Bank operates a
mengoperasikan whistleblowing system sebagai sarana whistleblowing system as a channel for reporting suspected
pelaporan dugaan pelanggaran. Seluruh laporan ditinjau dan violations. All reports are reviewed and followed up by
ditindaklanjuti oleh Departemen FBI, dengan hasil investigasi the FBI Department, with investigation results reported
dilaporkan kepada manajemen dan otoritas terkait. Tugas to management and the relevant authorities. The primary
utama Departemen FBI meliputi pemantauan insiden fraud, responsibilities of the FBI Department include monitoring fraud
evaluasi efektivitas pengendalian fraud, serta tindak lanjut incidents, evaluating the effectiveness of fraud controls, and
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44 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 45
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Tata Kelola Keberlanjutan
Sustainability Governance
Pelibatan Pemangku Kepentingan [2-29]
Stakeholder Engagement
Metodologi Pendekatan & Manajemen Metodologi Pendekatan & Manajemen
Approach Methodology & Management Approach Methodology & Management
Pemangku Pemangku
Pertemuan/Sarana Pelibatan, Topik Signifikan, Kebutuhan, & Respons Bank Mayapada Pertemuan/Sarana Pelibatan, Topik Signifikan, Kebutuhan, & Respons Bank Mayapada
Kepentingan Kepentingan
Frekuensi Perhatian Bank Mayapada’s Response Frekuensi Perhatian Bank Mayapada’s Response
Stakeholder Stakeholder
Meeting/Means of Engagement, Significant Topics, Needs, & Meeting/Means of Engagement, Significant Topics, Needs, &
Frequency Concerns Frequency Concerns
Pemegang Saham • Rapat Umum Pemegang • Kinerja keuangan • Membuat Laporan Keuangan Nasabah • Aktivitas perbankan di kantor • Informasi mengenai produk dan • Menyediakan media
Saham Tahunan (RUPST) dan • Kinerja nonkeuangan • Membuat Laporan Tahunan cabang, setiap saat layanan perbankan komunikasi 24 jam
RUPS Luar Biasa (RUPSLB) • Rencana dan strategi bisnis • Membuat Laporan • Interaksi melalui contact center, • Memberikan solusi atas • Menanggapi dan
minimal sekali setahun Keberlanjutan situs web, setiap saat permasalahan dalam menindaklanjuti pengaduan
• Laporan Triwulanan, setiap • Menyelenggarakan RUPST dan • Kunjungan langsung sesuai bertransaksi, menggunakan yang diterima
triwulan RUPSLB kebutuhan produk dan/atau layanan • Mengembangkan inovasi
• Laporan Tahunan, satu kali perbankan produk dan layanan perbankan
dalam satu tahun • Privasi data nasabah dan • Melakukan survei kepuasan
• Laporan Keberlanjutan, satu kali keamanan data nasabah
dalam satu tahun • Menjaga privasi nasabah
dengan memperkuat sistem
Shareholders • Annual General Meeting of • Financial performance • Preparing Financial Statements teknologi informasi
Shareholders (AGMS) and • Non-financial performance • Preparing Annual Reports
Extraordinary GMS (EGMS) at • Business plan and strategies • Preparing Sustainability Reports Customer • Banking activities in branch • Information on banking products • Providing 24-hour
least once a year • Holding AGMS and EGMS office at any time and services communication media
• Quarterly Report, every quarter • Interaction via contact center, • Providing solution to issues • Responding and following up the
• Quarterly Report, every quarter website, at any time in transactions, using banking grievances received
• Annual Report, once a year • Site visit as per need products and/or services • Developing innovations in
• Sustainability Report, once a • Customer data privacy and banking products and services
year security • Conducting customer
satisfaction survey
Karyawan • Media internal myPORTAL yang • Hubungan industrial dan • Menyediakan saluran untuk • Maintaining customer privacy
dapat diakses sewaktu-waktu hal-hal yang terkait dengan menampung masukan by strengthening information
• Rapat internal sesuai dengan kesejahteraan karyawan technology system
kebutuhan • Penilaian kinerja • Menyediakan whistleblowing
• Sharing Session, secara berkala • Kesempatan jenjang karier system Regulator • Laporan pelaksanaan • Kepatuhan dan pelaksanaan • Melaksanakan kepatuhan
• Pengembangan karier, pelatihan • Menjamin keamanan dan hak- kepatuhan, minimal setahun GCG • Menyusunan RAKB
dan pendidikan hak karyawan sesuai dengan sekali • Analisis risiko dalam pemberian • Menyusun laporan tahunan &
• Kesehatan dan keselamatan Perjanjian Kerja Bersama (PKB) • Bukti pengumuman RUPST dan kredit laporan keberlanjutan
kerja • Mendukung kegiatan Serikat RUPSLB, ringkasan Laporan • Pelaksanaan anti-fraud dan • Memberikan tanggapan atas
Pekerja Keuangan, minimal setahun antikorupsi, APU-PPT rekomendasi OJK
• Mengadakan pelatihan dan sekali • Green banking • Menerapkan keuangan
pengembangan kompetensi • Laporan bulanan, Rencana • Inklusi dan literasi keuangan berkelanjutan
• Mengadakan evaluasi kerja dan Penyelenggaraan Public Expose, • Keuangan berkelanjutan • Meningkatkan jangkauan akses
jenjang karier minimal setahun sekali perbankan
• Pemenuhan panggilan dari
Employee • Internal media myPORTAL that • Industrial relations and welfare- • Providing channels to Otoritas Jasa Keuangan (OJK)
can be accessed any time related matters accommodate employees’ setiap diperlukan
• Internal meeting as needed • Performance assessment feedback
• Sharing Session, periodically • Career path opportunities • Providing whistleblowing Regulator • Compliance report, at least once • GCG compliance and • Performing compliance
• Career development, training and system a year implementation • Preparing SFAP
education • Guaranteeing employee safety • Announcement proof of AGMS • Risk analysis in lending credit • Preparing annual report and
• Occupational health and safety and rights in accordance with and EGMS, summary of Financial • Implementation of anti-fraud and sustainability report
Collective Labor Agreement Statements, at least once a year anti-corruption, APU-PPT • Responding to OJK
(CLA) • Monthly report, Public Expose • Green banking recommendations
• Supporting Labor Union planning, at least once a year • Financial inclusion and literacy • Implementing sustainable
activities • Attending the invitation from the • Sustainable finance finance
• Conducting training and Otoritas Jasa Keuangan (OJK), • Expanding the banking access
competency development whenever required coverage
• Policy on job evaluation and
career path
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46 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 47
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Tata Kelola Keberlanjutan
Sustainability Governance
Pelibatan Pemangku Kepentingan [2-29]
Stakeholder Engagement Kinerja Ekonomi
Economic Performance
Metodologi Pendekatan & Manajemen
Approach Methodology & Management
Pemangku
Pertemuan/Sarana Pelibatan, Topik Signifikan, Kebutuhan, & Respons Bank Mayapada
Kepentingan
Frekuensi Perhatian Bank Mayapada’s Response
Stakeholder
Meeting/Means of Engagement, Significant Topics, Needs, &
Frequency Concerns
Mitra Bisnis • Interaksi melalui pengajuan • Hubungan yang saling • Memberikan informasi yang Kinerja Sosial
kontrak kerja sama sesuai menguntungkan dibutuhkan untuk proses Social Performance
waktu yang diperlukan • Pengadaan barang dan/atau pengadaan
• Pertemuan dengan Divisi jasa • Sosialisasi kebijakan dan kode
General Affair, jika diperlukan • Jenis kebutuhan/spesifikasi etik
minimal sekali setahun • Kontrak kerja yang adil dan telah • Membangun komunikasi bisnis
disepakati kedua belah pihak dan kerja sama yang baik
• Pembayaran tepat waktu • Melakukan pembayaran tepat
waktu
Business Partner • Interaction through cooperation • Mutually beneficial relationship • Providing information required
contract submission, if • Procurement of goods and/or for procurement process
necessary services • Dissemination on policies and
• Meeting with General Affair • Types of needs/specifications code of conduct
Division, if necessary, at least • Fair contract work, which has • Establishing good business Kinerja Lingkungan
once a year been agreed on by two parties communication and cooperation Environmental Performance
• On time payment • Making payments on time
Masyarakat Pelaksanaan kegiatan tanggung • Program beasiswa Realisasi kegiatan tanggung
jawab sosial perusahaan sesuai • Bantuan sosial jawab sosial perusahaan
kebutuhan • Lapangan kerja
Realization of corporate social
Community Implementation of corporate • Scholarship program responsibility activities
social responsibility as per needs • Social assistance
• Employment
Tanggung Jawab
Pengembangan Produk
dan/atau Jasa Keuangan
Berkelanjutan
Responsibilities for the Devel-
Kinerja Keberlanjutan opment of Sustainable Finan-
cial Products and/or Services
Sustainability Performance
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Kinerja Ekonomi
Economic Performance
Mendorong Pertumbuhan Ekonomi melalui Penyaluran Driving Economic Growth through Credit Disbursement Pembiayaan pada Kategori Kegiatan Usaha Berkelanjutan Sustainable Financing (KKUB)
Kredit (KKUB)
Sepanjang 2025, Bank Mayapada menyalurkan total During 2025, Bank Mayapada disbursed a total of Rp108,152 Bank Mayapada secara proaktif mendukung pengembangan Bank Mayapada proactively supports the development
kredit gross sebesar Rp108.152 miliar dengan tingkat billion in gross credits, representing a growth rate of usaha berwawasan lingkungan melalui penyaluran kredit of environmentally conscious businesses through the
pertumbuhan sebesar 1,52% dibandingkan tahun 1.52% compared to the previous year. This growth in loan pada Kategori Kegiatan Usaha Berkelanjutan (KKUB). disbursement of loans under the Sustainable Financing
sebelumnya. Pertumbuhan penyaluran kredit tersebut disbursement was primarily driven by the Corporate segment Sepanjang 2025, total pembiayaan KKUB yang disalurkan (KKUB). Throughout 2025, the total KKUB financing disbursed
terutama didorong oleh segmen Korporasi dan segmen and Consumer segments, reflecting continued strong demand tercatat sebesar Rp1.079 miliar. amounted to Rp1,079 billion.
Konsumer yang mencerminkan tetap kuatnya permintaan for financing across these sectors.
pembiayaan pada sektor ini. Sebagai bentuk transparansi, Bank telah menyajikan laporan As part of its commitment to transparency, the Bank presented
portofolio kredit KKUB berdasarkan segmen usaha. Namun its sustainable financing portfolio by business segment.
Sebagai bagian dari komitmen terhadap penerapan keuangan As part of its commitment to implementing sustainable demikian, hingga akhir 2025, pemetaan distribusi kredit However, as of the end of 2025, the mapping of loan distribution
berkelanjutan, Bank menyalurkan kredit Kategori Kegiatan finance, the Bank disbursed sustainable financing covering berdasarkan wilayah operasional masih belum dilakukan. by operational region had not yet been conducted. [F56]
Usaha Berkelanjutan (KKUB) yang mencakup pembiayaan environmentally friendly business activities as well as the [FS6]
kepada kegiatan usaha ramah lingkungan serta segmen small and medium enterprise (SME) segment. This financing
usaha kecil dan menengah (UKM). Penyaluran kredit ini tidak was not only aligned with the Bank’s sustainability policies, but Pembiayaan Kegiatan Usaha Berkelanjutan Tahun 2025 (Rp Milliar)
hanya selaras dengan kebijakan keberlanjutan Bank, tetapi also contributed to funding projects with positive impact and Sustainable Financing in 2025 (Rp Billion)
juga berkontribusi dalam pembiayaan proyek-proyek yang productive sectors. Bank Mayapada ensured that the financing
berdampak positif dan sektor produktif. Bank Mayapada it extended generated economic and social value for the people Kegiatan Usaha - Business Activities Non-UKM / Non-SMEs UKM / SMEs
memastikan bahwa pembiayaan yang diberikan mampu of Indonesia.
menciptakan nilai ekonomi dan sosial bagi masyarakat a. Energi Terbarukan/Renewable Energy - -
Indonesia.
b. Efisiensi Energi/Energy Efficiency - -
c. Pencegahan dan Pengendalian Polusi/Pollution Prevention and
- -
Portofolio Kredit Gross berdasarkan Segmen Usaha (Rp Miliar) [FS6] Control
Gross Credit Portfolio by Business Segment (Rp Billion) d. Pengelolaan Sumber Daya Alam Hayati dan Penggunaan
Lahan yang Berkelanjutan/Sustainable Management of Living - -
Segmen Usaha - Business Segment 2025 2024 2023
Natural Resources and Land Use
Korporasi e. Konservasi Keanekaragaman Hayati dan Air/Biodiversity and
106,373 104,734 101,707 - -
Corporate Water Conservation
UKM f. Transportasi Ramah Lingkungan/Environmentally Friendly
1,094 1,250 1,080 79 -
SMEs Transportation
Konsumtif g. Pengelolaan Air dan Air Limbah yang Berkelanjutan/Sustainable
685 548 743 - -
Consumptive Water and Wastewater Management
Jumlah h. Adaptasi Perubahan Iklim/Climate Change Adaptation - -
108,152 106,532 103,530
Total i. Produk yang Dapat Mengurangi Sumber Daya dan
Menghasilkan Lebih Sedikit Polusi (Eco-efficient)/Resource- 337 -
Efficient and Low-Pollution Products (Eco-efficient)
Portofolio Kredit KKUB berdasarkan Segmen Usaha (Rp Miliar)
Sustainable Financing Portfolio by Business Segment (Rp Billion) j. Bangunan Berwawasan Lingkungan yang Memenuhi Standar
atau Sertifikasi yang Diakui Secara Nasional, Regional, atau 400 -
Segmen Usaha - Business Segment Target 2025 - 2025 Target 2025 2024 2023 Internasional/Environmentally Sustainable Business Activities
k. Kegiatan Usaha dan/atau Kegiatan Lain yang Berwawasan
Korporasi Target pencapaian sebesar 0,02% Lingkungan Lainnya/Other Environmentally Sustainable 242 -
per tahun dengan 1 debitur minimal Business Activities
5 miliar dari existing/baru
1,059 880 974 l. Kegiatan UKM/SMEs activities - 20
Corporate Achievement target of 0.02% per
year with 1 debtor minimum 5 billion TOTAL 1.058 20
from existing/new
UKM Target pencapaian sebesar 0,02%
per tahun dengan 1 debitur minimal Dukungan Bank terhadap usaha ramah lingkungan The Bank’s support for environmentally friendly businesses
5 miliar dari existing/baru diwujudkan melalui prioritas penyaluran kredit kepada sektor was demonstrated through prioritizing lending to the
20 0.302* 21.6*
SME Achievement target of 0.02% per konstruksi, real estat, serta sektor industri pengolahan yang construction, real estate, and manufacturing sectors that have
year with 1 debtor minimum 5 billion
telah memenuhi ketentuan perizinan lingkungan. Pada 2025, complied with environmental permitting requirements. In 2025,
from existing/new
sektor konstruksi menjadi penerima porsi terbesar dalam the construction sector accounted for the largest share of the
Jumlah portofolio kredit KKUB non-UKM. Bank’s non-SMEs sustainable financing portfolio.
1,079 880.3 995.6
Total
Keterangan/Note:
*Penyajian kembali karena adanya penyempurnaan pada pengelompokkan UKM. [2-4]
*Restatement due to refinements in SME classification.
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Kinerja Ekonomi
Economic Performance
Pengelolaan Risiko Lingkungan dan Sosial dalam Proses Environmental and Social Risk Management in the Credit
Kredit [FS8] Process [FS8]
Dalam mengimplementasikan keuangan berkelanjutan, In implementing sustainable finance, Bank Mayapada has
Bank Mayapada memiliki beberapa kebijakan dalam proses several policies in the credit approval process for business
persetujuan kredit bagi kegiatan usaha yang menjalankan activities that adhere to the principles of sustainability,
prinsip-prinsip keberlanjutan, antara lain: including:
1. Memberikan landasan dalam pemberian kredit yang tidak 1. To provide a foundation for lending practices that do Portofolio Kredit UKM
menimbulkan dampak yang merugikan ekosistem sesuai not adversely impact ecosystems, in accordance with dari Total Kredit
dengan Surat Edaran No.04/SE-KRD/XII/2019 tentang Circular Letter No. 04/SE-KRD/XII/2019 on Lending under
1.01
Kredit dengan Kategori Kegiatan Usaha Berkelanjutan. Sustainable Business Activity Categories.
2. Menetapkan panduan mendasar mengenai kebijakan,
proses, dan pelaksanaan manajemen risiko Bank sesuai
dengan Surat Keputusan Direksi No.131/SK/DIR/X/2020
tentang Pedoman Penerapan Manajemen Risiko Bank
2. To establish fundamental guidelines on the Bank’s risk
management policies, processes, and implementation, in
accordance with Board of Directors Decree No. 131/SK/
DIR/X/2020 on the Risk Management Implementation
%
Mayapada Internasional. Guidelines of PT Bank Mayapada Internasional Tbk.
3. Menetapkan landasan atas pelaksanaan aktivitas dengan 3. To establish a framework for managing activities with
risiko yang berkaitan dengan Lingkungan, Sosial, dan Tata Environmental, Social, and Governance (ESG)-related risks,
Kelola sesuai dengan Surat Keputusan Direksi No.070/SK/ in accordance with Board of Directors Decree No. 070/
SME Loan Portfolio to Total Loans
DIR/III/2022 tentang Penerapan Kebijakan Manajemen SK/DIR/III/2022 on the Implementation of Environmental,
Risiko Lingkungan, Sosial, dan Tata Kelola (LST). Social, and Governance (ESG) Risk Management Policy.
4. Mendukung penerapan Manajemen Risiko Lingkungan, 4. To support the implementation of Environmental, Social, and
Sosial dan Tata Kelola dalam hal pemberian kredit sesuai Governance (ESG) risk management in lending activities, in
dengan Surat Edaran No.007/SE-KRD/IX/2022 tentang accordance with Circular Letter No. 007/SE-KRD/IX/2022
Ketentuan Pemberian Kredit Kepada Sektor Kegiatan on Lending Provisions for Sustainable Business Activity
Usaha Berkelanjutan. Sectors.
5. Menyelaraskan aktivitas internal Bank terhadap ketentuan 5. To align the Bank’s internal activities with prevailing
dan praktik terkini keuangan berkelanjutan sesuai dengan regulations and best practices in sustainable finance, in
Surat Keputusan Direksi No.227/SK/DIR/XII/2025 tentang accordance with Board of Directors Decree No. 227/SK/ Portofolio Kredit UKM
SME Loan Portfolio
Pedoman Penerapan Keuangan Berkelanjutan PT Bank DIR/XII/2025 on the Sustainable Finance Implementation
Mayapada Internasional Tbk. Guidelines of PT Bank Mayapada Internasional Tbk.
Uraian - Description Target Realisasi Realisasi Realisasi
2025 Realization Realization Realization
Pembiayaan pada UKM Financing for SMEs
2025 2024 2023
Sektor usaha kecil dan menengah (UKM) merupakan salah The small and medium enterprises (SMEs) sector served as one Jumlah kredit sektor UKM (Rp miliar)
1,500 1,094 1,250 1,080
satu pilar utama dalam menjaga stabilitas perekonomian, of the key pillars in maintaining economic stability, particularly Total SME loans (Rp Billion)
terutama dalam menghadapi berbagai ketidakpastian. in the face of various uncertainties. With relatively strong Persentase jumlah kredit UKM terhadap total kredit (%)
1.41 1.01 1.17 1.04
Dengan tingkat ketahanan dan kemampuan adaptasi yang resilience and adaptability, SMEs played an important role in Percentage of Total SME Loans to Total Loans (%)
relatif tinggi, UKM berperan penting dalam menopang sustaining economic activities and supporting employment
aktivitas ekonomi serta penyerapan tenaga kerja. Bank generation. Bank Mayapada believes that expanding access to
Strategi dan Analisis Skenario Iklim Climate Scenario Analysis and Strategy
Mayapada meyakini bahwa perluasan akses pembiayaan financing for the SME sector will drive business growth, create
bagi sektor UKM akan mendorong pertumbuhan usaha, job opportunities, and improve community welfare, ultimately
Otoritas Jasa Keuangan (OJK) terus memperkuat Otoritas Jasa Keuangan (OJK) continued to strengthen
menciptakan lapangan kerja, serta meningkatkan contributing to the strengthening of the national economy.
pengawasan terhadap risiko iklim, dengan pergeseran its oversight of climate risks, shifting its approach from a
kesejahteraan masyarakat, yang pada akhirnya berkontribusi
pendekatan dari yang bersifat sukarela menuju kewajiban voluntary basis toward regulatory requirements by recognizing
terhadap penguatan ekonomi nasional.
regulatori dalam mengakui perubahan iklim sebagai risiko climate change as a material risk to the stability of the financial
material bagi stabilitas sistem keuangan. Sejalan dengan system. In line with this development, in March 2024, OJK
Sebagai bagian dari upaya mendorong pertumbuhan As part of its efforts to promote inclusive and sustainable
perkembangan tersebut, pada Maret 2024, OJK merevisi revised the Climate Risk Management and Scenario Analysis
ekonomi yang inklusif, Bank secara konsisten menyalurkan economic growth, the Bank consistently provides financing to
kerangka Manajemen Risiko Iklim dan Analisis Skenario (CRMS) framework by adopting principles developed by the
pembiayaan kepada sektor UKM. Sepanjang 2025, total the SMEs sector. Throughout 2025, the total SMEs financing
(Climate Risk Management & Scenario Analysis/CRMS) Basel Committee on Banking Supervision (BCBS). This policy
pembiayaan UKM yang disalurkan tercatat sebesar Rp disbursed was recorded at Rp1.09 trillion, or equivalent to
dengan mengadopsi prinsip-prinsip yang dikembangkan aimed to encourage the banking industry to integrate climate
Rp1,09 triliun, atau setara dengan 1,01% dari total kredit 1.01% of total outstanding loans, with a target achievement
oleh Basel Committee on Banking Supervision (BCBS). risks into risk management frameworks in a more systematic,
outstanding, dengan tingkat pencapaian terhadap target rate of 72.96%. This financing disbursement reflects the Bank’s
Kebijakan ini bertujuan untuk mendorong industri perbankan measurable, and forward-looking manner.
sebesar 72,96%. Penyaluran pembiayaan ini mencerminkan commitment to supporting SMEs development as the driving
mengintegrasikan risiko iklim ke dalam kerangka manajemen
komitmen Bank dalam mendukung pengembangan UKM force of the national economy.
risiko secara lebih sistematis, terukur, dan berorientasi ke
sebagai motor penggerak perekonomian nasional.
depan.
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Kinerja Ekonomi
Economic Performance
Sebagai bagian dari komitmen memperkuat pengelolaan As part of its commitment to strengthening climate risk CRST diharapkan dapat memberikan pandangan ke depan looking insights for management in formulating risk mitigation
risiko iklim dalam portofolio pembiayaan, Bank Mayapada management within its financing portfolio, Bank Mayapada bagi manajemen dalam merumuskan strategi mitigasi risiko, strategies, strengthening capital, and making business
mengimplementasikan Taksonomi Keuangan Berkelanjutan has implemented the Indonesia Taxonomy for Sustainable penguatan permodalan, serta pengambilan keputusan bisnis decisions that are more resilient to climate change.
Indonesia (TKBI). Penerapan TKBI dilakukan melalui proses Finance (TKBI). The application of the TKBI is carried out yang lebih resilien terhadap perubahan iklim.
klasifikasi, penilaian, dan pelaporan portofolio kredit kepada through the process of classifying, assessing, and reporting
OJK, khususnya untuk memetakan eksposur pembiayaan the credit portfolio to the OJK, specifically to map financing Pencapaian Kinerja Ekonomi Economic Performance Achievements
pada sektor-sektor ekonomi prioritas berdasarkan tingkat exposures in priority economic sectors based on their level of
keberlanjutan dan kesiapan transisinya. sustainability and readiness for transition. Sepanjang 2025, Bank Mayapada tetap mampu bertahan Bank Mayapada, throughout 2025, remained resilient and
dan membukukan kinerja keuangan yang positif di tengah recorded positive financial performance amid challenging
Dalam mendukung implementasi TKBI, Bank telah melakukan In support of the implementation of the TKBI, the Bank has dinamika perekonomian yang penuh tantangan. Bank economic dynamics. The Bank recorded interest income of
sejumlah langkah strategis, antara lain penyusunan kebijakan taken a number of strategic steps, including the development mencatat pendapatan bunga sebesar Rp12,88 triliun, dengan Rp12.88 trillion, achieving 102.27% of its target. Meanwhile,
internal yang selaras dengan ketentuan regulator, pemetaan of internal policies aligned with regulatory requirements, capaian terhadap target sebesar 102,27%. Sementara itu, per as of December 31, 2025, the Bank recorded a net profit of
eksposur portofolio kredit berdasarkan sektor dan aktivitas the mapping of credit portfolio exposures by sector and 31 Desember 2025, Bank membukukan laba bersih sebesar Rp29.98 billion, or 106.16% of the set target. This performance
ekonomi sesuai klasifikasi TKBI, serta perumusan program economic activity in accordance with the TKBI classification, Rp29,98 miliar, atau mencapai 106,16% dari target yang reflects the results of consistently implemented strategies and
kerja bertahap untuk mendukung penerapannya dalam and the formulation of a phased work program to support its ditetapkan. Kinerja tersebut mencerminkan hasil dari strategi the Bank’s efforts to maintain healthy and sustainable growth.
proses bisnis Bank. implementation within the Bank’s business processes. yang dijalankan secara konsisten serta upaya Bank dalam
menjaga pertumbuhan yang sehat dan berkelanjutan.
Bank melakukan penyelarasan aktivitas internal dengan The Bank initiated the alignment of its internal activities with
ketentuan dan praktik terkini dalam keuangan berkelanjutan. prevailing regulations and practices in sustainable finance. In
Selain itu, Bank juga melakukan pemetaan dan klasifikasi addition, the Bank mapped and classified its existing debtors
Nilai Ekonomi yang Dihasilkan dan Didistribusikan (Rp Juta) [201-1]
terhadap debitur eksisting berdasarkan aktivitas ekonominya based on their economic activities in accordance with the
Economic Value Generated and Distributed (Rp Million)
sesuai dengan klasifikasi TKBI. Ke depan, Bank akan terus TKBI classification. Going forward, the Bank will continue to
melakukan penyempurnaan proses bisnis secara bertahap, refine its business processes on a gradual basis, with the
Uraian - Description Target Realisasi - Realisasi - Realisasi -
dengan tujuan untuk meningkatkan portofolio debitur aim of increasing the share of debtors demonstrating strong
2025 Realization Realization Realization
yang memiliki pengelolaan LST yang kuat. Penerapan ESG management. The implementation of TKBI reflects 2025 2024 2023
TKBI ini mencerminkan komitmen Bank Mayapada dalam Bank Mayapada’s commitment to supporting the national
mendukung agenda keuangan berkelanjutan nasional serta sustainable finance agenda and strengthening the role of the A. Nilai Ekonomi Dihasilkan - Economic Value Generated
memperkuat peran perbankan dalam mendorong transisi banking sector in advancing the transition to a low-carbon Pendapatan bunga
12,589,740 12,875,803 11,181,892 8,764,078
menuju ekonomi rendah karbon. Ke depan, hasil pemetaan economy. Going forward, the results of the TKBI mapping Interest income
TKBI akan menjadi dasar bagi pengembangan strategi will serve as the basis for the development of sustainable Pendapatan operasional lainnya
98,978 125,178 89,003 89,041
pembiayaan berkelanjutan, penyesuaian kebijakan kredit, financing strategies, adjustments to lending policies, and the Other operating income
serta penguatan transparansi pengungkapan risiko dan enhancement of transparency in disclosing climate-related Jumlah nilai ekonomi dihasilkan
12,688,717 13,000,981 11,270,895 8,853,119
peluang terkait iklim. risks and opportunities. Total economic value generated
B. Nilai Ekonomi Didistribusikan - Economic Value Distributed
Sejalan dengan itu, pada tahun 2025, Bank Mayapada juga In line with this, in 2025, Bank Mayapada is also in the technical
Biaya operasi
berada dalam tahap penyusunan teknis program kerja Climate drafting stage of the Climate Risk Management & Scenario 2,179,485 2,380,152 1,460,221 1,021,513
Operating costs
Risk Management & Scenario Analysis (CRMS). Bank akan Analysis (CRMS) work program. The Bank will establish the
necessary internal policies, standards, and procedures to Pengeluaran untuk karyawan (gaji dan tunjangan)
menyusun kebijakan, standar, dan prosedur internal yang 884,781 832,379 842,648 848,828
Employee expenses (salaries and benefits)
diperlukan untuk memastikan penerapan CRMS berjalan ensure the effective implementation of CRMS and its integration
secara efektif dan terintegrasi dalam kerangka manajemen into the Bank’s risk management framework. This framework Dividen
0 0 0 0
risiko Bank. Kerangka ini dirancang untuk mengidentifikasi, is designed to identify, measure, monitor, and control climate Dividends
mengukur, memantau, dan mengendalikan risiko iklim, risks both physical and transition risks that could potentially Pajak pada pemerintah
7,964 29,700 23,947 34,082
baik risiko fisik maupun risiko transisi, yang berpotensi impact the Bank’s financial performance. Government taxes
memengaruhi kinerja keuangan Bank. Pengeluaran untuk kegiatan sosial dan kemasyarakatan
24,784 25,913 68,895 60,922
Expenditures for social and community activities
Sebagai bagian dari penguatan fondasi CRMS, pada 2025, As part of strengthening the CRMS foundation, in 2025, the Jumlah nilai ekonomi didistribusikan
3,097,014 3,268,144 2,395,711 1,965,345
Bank memulai inisiatif penghitungan emisi gas rumah kaca Bank launched an initiative to calculate scope 1, 2, and 3 Total economic value distributed
(GRK) cakupan 1, 2, dan 3, yang akan digunakan sebagai data greenhouse gas (GHG) emissions, serving as baseline data for C. Nilai Ekonomi Ditahan - Retained Economic Value
dasar dalam pengembangan Climate Risk Stress Testing the development of Climate Risk Stress Testing (CRST). This
Jumlah nilai ekonomi ditahan (C = A - B) 9,591,703 9,732,837 8,875,184 6,887,774
(CRST). Uji ketahanan risiko iklim tersebut direncanakan climate risk stress testing is planned to include an analysis of
Total economic value retained (C = A - B)
mencakup analisis dampak perubahan iklim terhadap the impact of climate change on the Bank’s various key risks,
berbagai jenis risiko utama Bank, termasuk risiko kredit, including credit risk, market risk, operational risk, and liquidity
risiko pasar, risiko operasional, dan risiko likuiditas. Hasil risk. The results of the CRST are expected to provide forward-
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54 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 55
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Kinerja Ekonomi Kinerja Sosial
Economic Performance Social Performance
Pelibatan Pihak Lokal dalam Rantai Pasok [2-6] Involvement of Local Parties in the Supply Chain [2-6]
Perekrutan dan Perputaran Karyawan [401-1] Employee Recruitment and Turnover [401-1]
Pengadaan barang dan jasa merupakan bagian penting Procurement of goods and services plays a critical role in
Bank Mayapada menerapkan prinsip kesetaraan dan Bank Mayapada applies the principles of equality and non-
dalam mendukung keberlangsungan operasional Bank supporting the Bank’s operational continuity. Throughout 2025,
nondiskriminasi dalam pengelolaan sumber daya manusia discrimination in the management of its human capital (HC),
Mayapada. Sepanjang 2025, Bank melaksanakan proses Bank Mayapada carried out its procurement activities in a
(SDM), yang mencakup seluruh siklus ketenagakerjaan, covering the entire employment lifecycle, from the recruitment
pengadaan secara terstruktur dan transparan dengan structured and transparent manner, guided by the principles
mulai dari proses rekrutmen hingga berakhirnya masa kerja process to the end of an employee’s tenure. These principles
mengedepankan prinsip kepatuhan, keadilan, dan of compliance, fairness, and accountability. This approach is
karyawan. Prinsip ini menjadi landasan dalam memastikan serve as the foundation for ensuring fair opportunities and
akuntabilitas, termasuk dalam pemilihan vendor, pengelolaan reflected across vendor selection, contract management, and
kesempatan yang adil serta perlakuan yang setara bagi equal treatment for all employees. In 2025, the employee
kontrak, serta pemenuhan ketentuan regulasi yang berlaku. adherence to applicable regulatory requirements. The Bank
seluruh karyawan. Pada 2025, tingkat perputaran karyawan turnover rate was recorded at 9.44%. During this period, a total
Bank memprioritaskan pelibatan vendor dan pemasok lokal prioritizes the engagement of local vendors and suppliers to
tercatat sebesar 9,44%. Sepanjang periode tersebut, jumlah of 143 new employees joined the Bank, while 252 employees
untuk memenuhi kebutuhan operasional, khususnya pada support its operational needs, particularly for supporting goods
karyawan baru yang bergabung tercatat sebanyak 143 left the Bank.
pengadaan barang dan jasa penunjang seperti perlengkapan and services such as office supplies, cleaning and security
orang, sementara jumlah karyawan yang meninggalkan Bank
kantor, jasa kebersihan dan keamanan, percetakan, tenaga services, printing, support personnel, and other operational
tercatat sebanyak 252 orang.
pendukung, serta layanan operasional lainnya. Vendor dan services. Local vendors and suppliers are defined as parties
pemasok lokal didefinisikan sebagai pihak yang beroperasi operating in the Jakarta area, in close proximity to the Bank’s
Dalam rangka menjaga keberlangsungan dan kualitas SDM, In order to maintain the sustainability and quality of its human
di area Jakarta, berdekatan dengan kantor pusat Bank dan/ headquarters and/or having a national distribution network.
Bank terus berupaya menciptakan lingkungan kerja yang capital, the Bank continues to strive to create a conducive
atau memiliki jaringan distribusi nasional. Sepanjang tahun Throughout 2025, the proportion of local suppliers reached
kondusif serta membangun hubungan kerja yang harmonis. working environment and foster harmonious employment
2025, proporsi pemasok lokal mencapai 100% dari total 100% of the total suppliers. This approach not only enhances
Upaya ini diharapkan dapat meningkatkan keterikatan relations. These efforts are expected to enhance employee
pemasok. Pendekatan ini tidak hanya meningkatkan efisiensi procurement efficiency but also contributes to strengthening
karyawan dan secara bertahap menekan tingkat perputaran engagement and gradually reduce the employee turnover rate.
pengadaan, tetapi juga berkontribusi pada penguatan local economic development across the Bank’s areas of
karyawan.
ekonomi lokal di wilayah operasional Bank. operation.
Bank Mayapada menetapkan kriteria tertentu bagi vendor Bank Mayapada establishes specific criteria for vendors and Perputaran Karyawan berdasarkan Jenis Kelamin [401-1]
dan pemasok untuk mendukung pelaksanaan praktik yang suppliers to support responsible practices, including: Employee Turnover by Gender
bertanggung jawab, antara lain:
2025 2024 2023
Keterangan
1. Akuntabel; 1. Accountability; Description Laki-laki Perempuan Laki-laki Perempuan Laki-laki Perempuan
2. Memiliki kualitas barang yang baik dan sesuai standar 2. Provision of goods of good quality and in accordance with Male Female Male Female Male Female
yang diperlukan; required standards;
Karyawan masuk
3. Memiliki reputasi yang baik dan tepat waktu. 3. Good reputation and timeliness. 69 74 139 206 155 207
Incoming employees
Bank mengadopsi kriteria keberlanjutan dalam pemilihan The Bank adopts sustainability criteria in the selection of Karyawan keluar, karena:
vendor dan pemasok, dengan mengintegrasikan pemenuhan vendors and suppliers by integrating compliance with Human Outgoing employees due to:
prinsip Hak Asasi Manusia (HAM) serta lingkungan. Hal ini Rights principles as well as environmental considerations. This - Mengundurkan diri
93 133 202 165 125 169
penting untuk mendorong praktik usaha yang bertanggung is important to promote responsible and sustainable business Resigning
- Pensiun
jawab di kalangan vendor dan pemasok. practices among vendors and suppliers. 13 10 9 12 13 13
Retirement
- Meninggal
2 1 0 0 6 2
Data Pelibatan Pemasok Lokal [204-1] Passed away
Local Supplier Participation Data Tingkat perputaran
9.44% 13.97% 11.70%
Turnover Rate
Uraian - Description 2025 2024 2023
Pengadaan Barang - Procurement of Goods Perputaran Karyawan berdasarkan Usia [401-1]
Employee Turnover by Age
Jumlah Pemasok Lokal
73 143 152
Number of Local Suppliers 2025
Nilai Kontrak (Rp Juta) Keterangan
42,803.50 110,207.33 133,599.00 Description 21-30 31-40 40-50 >50
Contract Value (Rp Million)
Tahun / Years Tahun / Years Tahun / Years Tahun / Years
Pengadaan Jasa - Procurement of Services
Jumlah Pemasok Karyawan masuk
347 333 344 40 62 32 9
Number of Suppliers Employees recruited
Nilai Kontrak (Rp Juta) Karyawan keluar, karena:
313,490.82 338,565.23 338,565.23
Contract Value (Rp Million) Employee retention due to:
- Mengundurkan diri
Keterangan: 103 85 31 7
- Penurunan jumlah terutama disebabkan oleh penajaman dan penyempurnaan dalam pengelompokkan data pemasok.
Resigning
Notes: - Pensiun
0 0 0 23
- The decrease in number was due to the refinement and improvement in the classification of supplier data. Retirement
- Meninggal
0 1 2 0
Passed away
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56 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 57
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Kinerja Sosial
Social Performance
Perjanjian Kerja Bersama (PKB) [2-30] Collective Labour Agreement (CLA) [2-30] Persentase Karyawan Perempuan
Female Employees Percentage
Perjanjian Kerja Bersama (PKB) mengatur hak dan kewajiban The Collective Labor Agreement (CLA) governed the rights
seluruh karyawan Bank Mayapada, yang telah disepakati and obligations of all Bank Mayapada employees, as mutually
bersama oleh Serikat Pekerja Bank Mayapada (SPBM) dan agreed between the Bank Mayapada Labor Union (SPBM) 2025 2024 2023
manajemen. Selain penyusunan PKB, kedua pihak juga and management. In addition to its formulation, both parties 57.40% 57.42% 55.69%
meninjau serta memperbaruinya setiap dua tahun. Hingga reviewed and updated the CLA every two years. As of the end
akhir tahun ini, PKB yang berlaku mencakup periode 2024– of the year, the applicable CLA covered the 2024–2026 period.
2026.
Menghargai Prinsip-Prinsip Hak Asasi Manusia Respecting Human Rights Principles
Bank Mayapada berupaya menciptakan lingkungan kerja Bank Mayapada sought to create an inclusive work
yang inklusif, bebas dari segala bentuk diskriminasi, serta environment free from all forms of discrimination, while
menghormati dan melindungi hak-hak setiap individu. respecting and protecting the rights of every individual. Human
Prinsip-prinsip HAM dipandang sebagai nilai universal yang rights principles are regarded as universal values that serve
menjadi landasan dalam seluruh aktivitas operasional Bank, as the foundation for all of the Bank’s operational activities,
termasuk dalam pengelolaan SDM serta dalam membangun including human capital management and the development
hubungan dengan para pemangku kepentingan. Penerapan of relationships with stakeholders. The implementation of
prinsip HAM telah tercermin dalam kebijakan, prosedur, dan human rights principles was reflected in the Bank’s policies,
Keberagaman Komposisi dan Struktur Manajemen Tahun 2025 [405-1]
praktik kerja Bank yang menjunjung tinggi martabat manusia, procedures, and work practices that uphold human dignity,
Diversity of Management Composition and Structure in 2025
kesetaraan perlakuan, serta perlindungan terhadap hak-hak equal treatment, and the protection of the fundamental rights
dasar karyawan dan mitra kerja. of employees and business partners.
Jenis Kelamin - Gender Kelompok Usia - Age Group
Kelompok Manajemen
Kesetaraan dan Keberagaman Equality and Diversity
Management Group Laki-laki Perempuan
Bank menegaskan penolakannya terhadap segala bentuk The Bank reaffirms its rejection of all forms of discrimination <30 31-50 >51
Male Female
diskriminasi dan secara konsisten mengedepankan prinsip and consistently prioritizes the principles of equality and
kesetaraan dan keberagaman dalam setiap kebijakan serta diversity in all HC management policies and procedures. This Manajemen Puncak
11 1 0 1 11
prosedur pengelolaan SDM. Komitmen ini sejalan dengan commitment aligns with the provisions of Chapter III, Article 13 Top Management
ketentuan Bab III Pasal 13 Perjanjian Kerja Bersama (PKB) of the Collective Labor Agreement (CLA) that every employee Manajemen Madya
bahwa setiap karyawan memiliki hak yang sama dalam has equal rights in their career development, without 234 279 9 310 194
Mid Management
pengembangan kariernya tanpa dibedakan berdasarkan discrimination based on religion, race, or gender.
Manajemen Pelaksana
agama, ras, atau jenis kelamin. 892 1,252 757 1,274 113
Operating Management
Jumlah
1,137 1,532 766 1,585 318
Karyawan Berdasarkan Jenis Kelamin Total
Employees by Gender
Jenis Kelamin - Gender 2025 2024 2023
Usia Minimum Bekerja dan Waktu Kerja Minimum Working Age and Working Hours
Laki-laki / Male 1,137 1,183 1,250 Sesuai ketentuan peraturan perundang-undangan di bidang In accordance with labor laws and regulations, Bank Mayapada
Perempuan / Female 1,532 1,595 1,571 ketenagakerjaan, Bank Mayapada tidak mempekerjakan does not employ workers under the minimum age and rejects
Jumlah / Total 2,669 2,778 2,821 pekerja di bawah usia minimum serta menolak segala all forms of forced labor. The minimum age for employment
bentuk praktik kerja paksa. Batas usia minimum untuk at the Bank is set at 18 years old in accordance with the
bekerja di Bank ditetapkan 18 tahun sesuai PKB Bab III Pasal CLA Chapter III Article 9. In addition to ensuring compliance
9. Selain memastikan kepatuhan terhadap ketentuan usia with age requirements, the Bank also strives to maintain a
kerja, Bank juga berupaya menjaga keseimbangan antara balance between employees’ work and personal lives. This
kehidupan kerja dan kehidupan pribadi karyawan. Komitmen commitment is reflected in the regulation of working hours and
ini tercermin dalam pengaturan jam kerja dan waktu istirahat rest periods in the CLA Chapter IV, Article 16. Throughout 2025,
pada PKB Bab IV Pasal 16. Sepanjang 2025, ketentuan these provisions served as guidelines for creating a decent and
tersebut menjadi pedoman dalam menciptakan lingkungan orderly work environment.
kerja yang sehat dan tertib.
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58 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 59
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Kinerja Sosial
Social Performance
Rasio Remunerasi Karyawan Baru di Level Terendah Dibanding UMP
Ratio of Remuneration for New Employees at the Lowest Level Compared to the UMP
Hak Cuti [401-3] Leave Entitlements [401-3] Wilayah - Region Rasio - Ratio
Setiap karyawan memiliki kesempatan yang setara untuk Every employee has an equal opportunity to return to work
kembali bekerja setelah masa cuti berakhir. Ketentuan cuti after the leave period ends. Leave provisions are regulated in DKI Jakarta / DKI Jakarta 1 : 1.04
diatur dalam PKB Bab V Pasal 20. Terkait parental leave, the CLA Chapter V, Article 20. Regarding parental leave, female Jawa Barat / West Java 1 : 1.37
karyawan perempuan berhak mendapatkan cuti selama employees are entitled to leave for 90 calender days, while Jawa Tengah / Central Java 1 : 1.09
90 hari kalender, sedangkan laki-laki berhak 2 hari untuk male employees are entitled to 2 days of leave to accompany
mendampingi istri melahirkan atau menyambut kelahiran Jawa Timur / East Java 1 : 1.07
their wives during childbirth or to welcome the birth of a child.
anak. Pada 2025, jumlah perempuan yang memanfaatkan In 2025, the number of women who took maternity leave was Lainnya di luar Pulau Jawa (rasio rerata)
1 : 1.05
cuti melahirkan tercatat sebanyak 71 orang, sementara Other areas outside Java (average ratio)
recorded at 71 people, while the number of men who took
jumlah laki-laki yang menggunakan parental leave tercatat parental leave was recorded at 35 people. By the end of 2025,
sebanyak 35 orang. Per akhir 2025, seluruh karyawan yang Komponen Remunerasi dan Tunjangan berdasarkan Status Components of Remuneration and Benefits by Employment
all employees who utilized these leave entitlements were
memanfaatkan hak cuti tersebut tercatat telah kembali Ketenagakerjaan [401-2] Status [401-2]
recorded as having returned to work after their leave period
bekerja setelah masa cuti berakhir. ended.
Seluruh karyawan baik karyawan tetap maupun karyawan All employees, both permanent and contract, receive
Kebebasan Berpendapat dan Berserikat kontrak mendapatkan remunerasi dan tunjangan kesehatan. remuneration and benefits, including:
Freedom of Expression and Association
Kebebasan karyawan dalam menyampaikan pendapat dan Upaya ini terus dijalankan secara konsisten sepanjang 2025.
Employees’ freedom to express opinions and form unions is
berserikat dihormati sebagai bagian dari upaya membangun 1. Gaji pokok dan asuransi kesehatan 1. Base salary and health insurance
respected as part of efforts to build harmonious and sustainable
hubungan industrial yang harmonis dan berkelanjutan. Untuk 2. Tunjangan kesehatan dan kelahiran (bantuan biaya 2. Health and maternity benefits (childbirth cost assistance
industrial relations. To support this, a communication channel
mendukung hal tersebut, disediakan wadah komunikasi melahirkan & pembelian kacamata) and eyeglasses purchase benefits)
is provided through the Mayapada Bank Workers’ Union
melalui Serikat Pekerja Bank Mayapada (SPBM) yang 3. Uang ganti cuti saat karyawan mengundurkan diri 3. Payment in lieu of unused leave upon resignation
(SPBM), which involves representatives from management
melibatkan perwakilan manajemen dan karyawan. Melalui 4. Jaminan Sosial (Ketenagakerjaan dan Kesehatan) 4. Social Security (Employment and Health)
and employees. Through SPBM, employees’ aspirations and
SPBM, aspirasi serta kepentingan karyawan disalurkan dan 5. Tunjangan hari raya, pensiun, komunikasi, dan bahan 5.Holiday, retirement benefit, communication, and fuel
interests are channeled and discussed constructively, including
dibahas secara konstruktif, termasuk dalam penyusunan dan bakar allowances
in the drafting and revision of the CLA as well as the conduct
pembaruan PKB serta pelaksanaan rapat bipartit. Sepanjang 6. Hak cuti 6. Leave entitlement
of bipartite meetings. Throughout 2025, SPBM participated in
2025, SPBM terlibat dalam 1 kali forum kemitraan dan rapat. 1 partnership forums and meetings.
Kewajiban Rencana Manfaat Pasti untuk Pensiun [201-3] Defined Benefit Pension Plan Obligations [201-3]
Seluruh karyawan tetap memperoleh hak untuk mengikuti All permanent employees are entitled to participate in the
Remunerasi Karyawan [401-2, 405-2][FS2] Employee Remuneration [401-2, 405-2][FS2]
program manfaat pensiun yang dikelola oleh Badan pension benefit program administered by the Social Security
Penyelenggara Jaminan Sosial (BPJS) Ketenagakerjaan. Agency for Employement (BPJS Ketenagakerjaan). This
Kebijakan remunerasi yang diterapkan oleh Bank Mayapada The remuneration policy implemented by Bank Mayapada Program ini didanai melalui iuran bulanan yang terdiri program is funded through monthly contributions consisting
telah disusun sesuai dengan ketentuan peraturan has been formulated in accordance with applicable labor atas kontribusi sebesar 2% dari perusahaan dan 1% dari of 2% from the company and 1% of employees (maximum
ketenagakerjaan yang berlaku. Kebijakan ini mengatur regulations. This policy governs the provision of base salary, karyawan (maksimal Rp110,863), sesuai dengan ketentuan of Rp110,863), in accordance with the applicable regulations
pemberian gaji pokok, tunjangan, serta insentif lainnya allowances, and other incentives as compensation for yang berlaku di Bank Mayapada. Ketentuan usia pensiun at Bank Mayapada. The retirement age for employees is
sebagai bentuk kompensasi atas kontribusi karyawan. employee contributions. The determination of remuneration karyawan ditetapkan pada 57 tahun, sebagaimana diatur set at 57 years, as stipulated in the CLA Chapter XII, Article
Penetapan besaran remunerasi didasarkan pada status amounts is based on employment status, job level, performance dalam PKB Bab XII Pasal 66. Sepanjang 2025, jumlah 66. Throughout 2025, the number of employees reaching
kepegawaian, tingkat jabatan, pencapaian kinerja, serta achievements, and length of service. This approach ensures karyawan yang memasuki masa pensiun tercatat sebanyak retirement age was recorded at 23 people, with a total
masa kerja. Pendekatan ini memastikan penerapan prinsip the application of principles of fairness and consistency, 23 orang, dengan total pembayaran uang pesangon sebesar severance pay of Rp15.1 billion.
keadilan dan konsistensi, tanpa membedakan latar belakang without discrimination based on race, religion, or gender. Rp15,1 miliar.
ras, agama, maupun jenis kelamin.
Lingkungan Bekerja yang Layak dan Aman A Decent and Safe Work Environment
Selain itu, remunerasi bagi karyawan tetap pada entry level Additionally, remuneration for permanent employees at the
ditetapkan setara/lebih tinggi dengan upah minimum yang entry level is set at a level equal to or higher than the prevailing
Lingkungan kerja yang layak dan aman dipandang sebagai A decent and safe work environment is considered as key
berlaku sesuai lokasi kerja masing-masing. Kebijakan minimum wage according to their respective work locations.
faktor penting dalam mendukung produktivitas serta kinerja factor in supporting employee productivity and performance.
tersebut diterapkan secara konsisten di seluruh kantor This policy is consistently applied across all Bank Mayapada
karyawan. Untuk itu, penerapan keselamatan dan kesehatan Therefore, the implementation of occupational safety and
cabang Bank Mayapada di Indonesia. branch offices in Indonesia.
kerja (K3) menjadi bagian integral dalam pengelolaan health (OSH) is an integral part of managing the work
lingkungan kerja di Bank Mayapada. Pelaksanaan K3 environment at Bank Mayapada. OSH implementation is
dilakukan melalui kerja sama dengan pengelola gedung dan carried out in collaboration with building management and
petugas keamanan guna memastikan aspek keselamatan security personnel to ensure safety aspects are optimally met,
terpenuhi secara optimal, termasuk ketersediaan sarana including the availability of supporting facilities such as fire
pendukung seperti alat pemadam kebakaran dan kotak extinguishers and first aid kits (P3K) within the office premises.
pertolongan pertama (P3K) di lingkungan kantor. Selain In addition to safety aspects, attention to employee health is
aspek keselamatan, perhatian terhadap kesehatan karyawan also realized through collaboration with insurance company to
juga diwujudkan melalui kerja sama dengan perusahaan provide access to health facilities and services. These efforts
asuransi untuk menyediakan akses terhadap fasilitas continued to be consistently implemented throughout 2025.
dan layanan kesehatan. Upaya ini terus dijalankan secara
konsisten sepanjang 2025.
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60 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 61
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Kinerja Sosial
Social Performance
Pelatihan dan Pengembangan Kompetensi Karyawan [404-1, Employee Training and Competency Development [404-1, 404-2] Rata-rata Jam Pelatihan berdasarkan Gender 2025 [404-1]
404-2] Average Training Hours by Gender 2025
Sumber daya manusia yang kompeten dipandang Competent human capital are viewed as a key factor in
sebagai faktor kunci dalam mendukung keberlanjutan supporting the sustainability of banking operations. Therefore,
usaha perbankan. Oleh karena itu, program pelatihan dan training and development programs are provided for all
pengembangan disediakan bagi seluruh karyawan di Bank employees at Bank Mayapada to enable them to adapt to
Mayapada agar mampu beradaptasi dengan perubahan changing customer needs and the dynamics of the banking
kebutuhan nasabah serta dinamika industri perbankan. industry.
Laki-laki / Male Perempuan / Female
Pengembangan kompetensi dilakukan melalui peningkatan Competency development is carried out through the
6.33 6.18
soft skills dan hard skills dengan berbagai metode, antara enhancement of soft skills and hard skills using various
Jam Jam
lain pembelajaran di kelas, on the job training (OJT), simulasi methods, including classroom learning, on-the-job training
Hours Hours
peran, diskusi kelompok, serta pelatihan daring. Materi (OJT), role-playing, group discussions, and online training.
pelatihan mencakup topik industri perbankan, budaya Training materials cover topics such as the banking industry,
keberlanjutan, produk perbankan, tata kelola perusahaan yang sustainability culture, banking products, good corporate
baik, komunikasi, teknologi informasi, serta pengembangan governance, communication, information technology, and
diri. Pelaksanaan pelatihan disesuaikan dengan posisi dan personal development. Training implementation is tailored to
tingkat pengalaman karyawan. employees’ positions and levels of experience.
Sepanjang 2025, program pengembangan kompetensi diikuti Throughout 2025, the competency development program was
oleh 2.643 karyawan dengan total durasi pelatihan sebesar participated in by 2,643 employees with a total training duration
2.276 jam atau rata-rata 6,25 jam per karyawan. Adapun of 2,276 hours, an average of 6.25 hours per employee. The
total biaya pelatihan dan pengembangan karyawan yang total cost of employee training and development realized in
direalisasikan pada 2025 tercatat sebesar Rp15,54 miliar. Rata-rata Jam Pelatihan berdasarkan Jenis Pelatihan [404-1, 404-2]
2025 amounted to Rp15.54 billion.
Average Training Hours by Training Type
Jenis Pelatihan Rerata Jam Pelatihan per Karyawan
Type of Training Average Training Hours per Employee
Karyawan yang mengikuti pelatihan Soft skills 10.37 Jam | Hours
Employees attended training Hard skill/teknis operasional
5.81 Jam | Hours
2,643
Orang Operational technical skills
People
Jam pelatihan
Training hours Rata-rata Jam Pelatihan Berdasarkan Level Jabatan [404-1, 404-2]
2,276 Jam
Hours
Average Training Hours by Job Level
Level Jabatan Rerata Jam Pelatihan per Karyawan
Rata-rata jam pelatihan/karyawan Level of Position Average Training Hours per Employee
Average training hours/employee Manajemen Puncak
4.63 Jam | Hours
6.25 Jam/karyawan
Hours/employee
Top management
Manajemen Madya
Middle Management
5.49 Jam | Hours
Manajemen Pelaksana
6.63 Jam| Hours
Lower Management
Laporan Keberlanjutan 2025 Laporan Keberlanjutan 2025
62 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 63
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Kinerja Sosial
Social Performance
Penilaian Kinerja [404-3] Performance Evaluation [404-3] Program tersebut dirancang untuk memberikan edukasi designed to provide education on financial planning, income
terkait perencanaan keuangan, pengelolaan pendapatan, management, and the importance of saving and investing.
Pengelolaan kinerja karyawan dilakukan secara sistematis Employee performance management is conducted serta pentingnya menabung dan berinvestasi. Melalui Through these initiatives, it is hoped that the public can
untuk mengembangkan, mengukur, dan mengevaluasi systematically to develop, measure, and evaluate performance inisiatif ini, diharapkan masyarakat dapat meningkatkan enhance their financial independence, improve their economic
pencapaian kinerja pada tingkat individu, divisi, maupun achievements at the individual, division, and work unit levels kemandirian finansial, memperbaiki kesejahteraan ekonomi, well-being, and contribute to reducing social disparities across
satuan kerja setiap tahunnya. Dalam pelaksanaannya, annually. In its implementation, key performance indicators serta berkontribusi dalam mengurangi kesenjangan sosial di various segments of community.
indikator kinerja utama (key performance indicator/ (KPIs) are used as the primary measurement tool in assessing berbagai lapisan masyarakat.
KPI) digunakan sebagai alat ukur utama dalam menilai employees’ performance targets at Bank Mayapada. All eligible
pencapaian target kinerja karyawan di Bank Mayapada. employees have received performance evaluations in 2025. Mekanisme Pengaduan Masyarakat Public Complaint Mechanism
Seluruh Karyawan dengan status eligible telah mendapatkan
evaluasi kinerja di 2025. Untuk memastikan penanganan saran, umpan balik, To ensure the effective handling of suggestions, feedback,
dan pengaduan secara efektif, mekanisme pengaduan and complaints, the public complaint mechanism is managed
Sistem penilaian kinerja dijalankan melalui tiga The performance appraisal system is implemented through masyarakat dikelola melalui Unit Pelindungan Konsumen di through the Customer Protection Unit at Bank Mayapada. All
tahapan utama. Pertama, perencanaan kinerja, yang three main stages. First, performance planning, which is Bank Mayapada. Seluruh pengaduan, baik terkait dampak complaints, whether regarding positive or negative impacts of
disusun berdasarkan sasaran strategis perusahaan. formulated based on the company’s strategic objectives. These positif maupun negatif dari aktivitas perbankan, diterima banking activities, are received openly and utilized as input for
Sasaran tersebut ditetapkan melalui analisis strengths, objectives are established through a strengths, weaknesses, secara terbuka dan dimanfaatkan sebagai masukan untuk improving service and product quality through 2025.
weaknesses, opportunities, and threats (SWOT) dengan opportunities, and threats (SWOT) analysis, taking into account peningkatan kualitas layanan dan produk sepanjang 2025.
mempertimbangkan faktor internal dan eksternal yang internal and external factors that influence the company’s
memengaruhi kinerja perusahaan. Kedua, telaah kinerja, yang performance. Second, performance review, which is conducted Pengaduan diklasifikasikan ke dalam dua kategori utama. Complaints are classified into two main categories. First,
dilakukan secara berkala untuk memastikan keselarasan periodically to ensure alignment between business operations Pertama, masyarakat selaku nasabah, yang menyampaikan customers who express dissatisfaction with banking products
antara pelaksanaan kegiatan usaha dan rencana yang telah and established plans. Third, performance assessment, which ketidakpuasan terhadap produk atau layanan perbankan or services, as well as allegations of misconduct by employees.
ditetapkan. Ketiga, penilaian kinerja, yang dilakukan sebagai serves as the basis for performance-based compensation serta dugaan tindak kecurangan oleh karyawan. Kedua, Second, the general public both customers and non-customers
dasar penyesuaian remunerasi berbasis pencapaian kerja adjustments and as a key reference in talent management masyarakat umum, baik nasabah maupun nonnasabah, who report company activities that impact their interests,
serta sebagai salah satu acuan utama dalam pengelolaan and employee career development. This evaluation process is yang melaporkan kegiatan perusahaan yang berdampak including marketing activities or social initiatives.
talenta dan pengembangan karier karyawan. Proses evaluasi conducted at least once a year. pada kepentingan mereka, termasuk aktivitas pemasaran
ini dilaksanakan setidaknya satu kali dalam satu tahun. atau kegiatan sosial.
Literasi dan Inklusi Keuangan [FS13, FS14, FS16] Financial Literacy and Inclusion [FS13, FS14, FS16] Setiap pengaduan akan ditindaklanjuti sesuai prosedur Every complaint is subject to proper follow-up in accordance
yang berlaku dengan tetap menjamin kerahasiaan pelapor. with applicable procedures while ensuring the confidentiality of
Literasi keuangan dipandang sebagai faktor penting dalam Financial literacy is viewed as a key factor in helping the public Pengaduan dapat disampaikan melalui: the complainant. Complaints can be submitted via:
membantu masyarakat mengambil keputusan keuangan make more informed financial decisions. To support this, 1. MyCall (Contact Center 24 Jam): 1-5000-29 1. MyCall (24-Hour Contact Center): 1-5000-29
yang lebih tepat. Untuk mendukung hal tersebut, program banking education programs and the “Bank Goes to School” 2. Surel: customer.care@bankmayapada.com 2. Email: customer.care@bankmayapada.com
edukasi perbankan dan “Bank Goes to School” dilaksanakan initiative are implemented by Bank Mayapada throughout 3. Kantor Operasional 3. Operations Office
oleh Bank Mayapada sepanjang 2025 sebagai bagian dari 2025 as part of efforts to enhance financial literacy and
upaya peningkatan literasi dan inklusi keuangan. Melalui inclusion. Through this program, educational activities reached
program ini, kegiatan edukasi menjangkau 582 peserta yang 582 participants consisting of students and educators, or
terdiri dari pelajar dan tenaga pendidik, atau setara dengan equivalent to 129% of the set target. In addition to providing an
129% dari target yang ditetapkan. Selain memberikan understanding of banking products and services, this program
pemahaman mengenai produk dan layanan perbankan, also encourages the habit of saving from an early age. As a
program ini juga mendorong kebiasaan menabung sejak dini. token of appreciation, participants who opened a new SimPel
Sebagai bentuk apresiasi, peserta yang membuka rekening savings account received a SimPel gift package consisting of
baru tabungan SimPel menerima paket hadiah berupa paket a simple bag, notebooks, a storybook, a pen, and a plush toy.
SimPel (tas simpel, buku tulis, buku cerita, pulpen, boneka).
Dampak Literasi dan Inklusi Keuangan The Impact of Financial Literacy and Inclusion
Inklusi keuangan memiliki peran strategis dalam memperluas Financial inclusion plays a strategic role in expanding public
akses masyarakat terhadap layanan perbankan, khususnya access to banking services, particularly for groups in remote
bagi kelompok yang berada di wilayah terpencil atau jauh areas or far from economic hubs and networks of branches
dari pusat kegiatan ekonomi serta jaringan kantor dan and ATMs. By 2025, expanding the reach of services through
ATM. Hingga 2025, perluasan jangkauan layanan melalui partnerships with agents has not yet become part of Bank
kerja sama dengan agen belum menjadi bagian dari model Mayapada’s service distribution model.
distribusi layanan di Bank Mayapada.
Untuk meningkatkan pemerataan pemahaman dan To improve the equitable distribution of public understanding
keterampilan masyarakat dalam pengelolaan keuangan, and skills in financial management, various financial literacy
berbagai program literasi keuangan tetap dilaksanakan. programs continue to be implemented. These programs are
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64 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 65
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Kinerja Sosial
Social Performance
Mekanisme Pengaduan Nasabah
Customer Complaint Mechanism
Penanganan Pengaduan Nasabah
1-5000-29
Customer Complaint Handling
Penanganan Pengaduan Konsumen Secara TERTULIS
Handling Consumer Complaints in WRITTEN Form
Mulai Selesai
Consumer / Consumer Representative
Konsumen/Perwakilan Konsumen
Start Finish
Kinerja MyCall 2025
MyCall Performance 2025
Mengajukan Menerima Tanda Menerima tanggapan
pengaduan secara Terima Penerimaan hasil keluhan konsumen Jenis Panggilan Telepon - Type of Calls 2025 2024 2023
tertulis Pengaduan Receive response of
Submit a complaint Konsumen consumer complaint
in writing Receive Pengaduan layanan dan produk
17% 16% 15%
acknowledgment Grievances of service and product
receipt of consumer
complaint
FORM/PK-04 Permintaan informasi layanan dan produk
74% 72% 64%
Request for service and product information
Permintaan/registrasi layanan dan produk
1% 12% 21%
Unit Kerja dapat Unit Kerja melaporkan Meneruskan Request/register for services and products
langsung menanggapi Rekapitulasi tanggapan hasil
keluhan Konsumen Pengaduan Konsumen keluhan Konsumen Jumlah panggilan telepon
secara tertulis Secara Bulanan secara tertulis 6,765 8,230 8,627
Melakukan Work Unit can directly Work Unit reports Forward written Number of phone calls
Unit Kerja Perlindungan Konsumen
verifikasi data respond to consumer monthly recap of response to consumer
& kelengkapan complaints in writing consumer complaints complaint
Consumer Protection Unit
FORM/PK-02
dokumen
Conduct data Laporan Pengaduan yang Ditindaklanjuti dan Diselesaikan
verification Tidak
& document FORM/PK-03 Reports of Grievances that were Followed Up and Resolved
No
completeness
Uraian - Description 2025 2024 2023
Menerima Memberikan Tanda Analisa Pengaduan
Pengaduan Terima Pengaduan dan kelengkapan Pengaduan yang diterima dan ditindaklanjuti
Konsumen secara Konsumen dokumen Investigasi 1,100 1,163 835
Tertulis Provide Konsumen Investigation
FORM/PK-04 Grievances received and followed up
Receive written complaint receipt Analyze complaint
consumer complaint acknowledgment and completeness
of consumer Pengaduan yang diselesaikan sesuai SLA
1,100 1,163 835
documents Resolved grievances in accordance with SLA
Persentase pengaduan yang diselesaikan
99% 100% 100%
Ya Percentage of resolved grievances
Koordinator Perlindungan Konsumen
Yes
Consumer Protection Coordinator
Menerima laporan Menerima
Rekapitulasi tanggapan terkait
Pengaduan Konsumen dari Unit/Divisi
Meneruskan ke secara bulanan terkait
Unit/Divisi untuk Receive monthly recap Receive response Sepanjang 2025, jumlah panggilan yang diterima melalui Throughout 2025, the number of calls received via the myCALL
ditindaklanjuti report of consumer from related Unit/
SLA selama 10 hari kerja Forward to Unit/ complaints Division
layanan myCALL tercatat sebanyak 6.765 panggilan. service totaled 6,765. Most complaints were related to ATM and
Division for
SLA within 10 working days
follow-up Sebagian besar pengaduan berkaitan dengan kendala digital banking transaction issues, as well as reports of fraud or
Dapat melakukan perpanjangan transaksi ATM dan digital banking, serta pelaporan penipuan cybercrime. By the end of the reporting period, the complaint
waktu 10 hari kerja dengan kondisi
tertentu atau kejahatan digital. Hingga akhir periode pelaporan, resolution rate reached 99%, in accordance with the service
Time extension of 10 working days tingkat penyelesaian pengaduan tercatat mencapai 99%,
allowed under certain conditions level agreementlevel agreement (SLA) established by Bank
sesuai service level agreement (SLA) yang ditetapkan oleh Mayapada with 1% are still investigated. If the complainant
Perpanjangan waktu harus disertai
surat konfirmasi kepada Konsumen Periksa Melakukan analisa Bank Mayapada, dengan 1% masih dalam tahap investigasi. is not satisfied with the solution provided, an escalation
Relevant Unit / Division
(FORM/PK/03) kelengkapan keluhan konsumen dan Apabila pelapor belum merasa puas terhadap solusi mechanism is available through the use of mediation services
Unit/Divisi Terkait
Time extension must be accompanied data investigasi Lengkap Ya memberikan tanggapan
by confirmation letter to consumer konsumen Complete Yes atas hasil pemeriksaan yang diberikan, mekanisme eskalasi disediakan melalui facilitated by Bank Indonesia, the OJK, or the Institutions of
(FORM/PK/03) Check keluhan nasabah
completeness Analyze consumer pemanfaatan layanan mediasi yang difasilitasi oleh Bank Alternative Dispute Resolution (ADR), to seek further resolution.
of consumer complaints and provide
investigation data Tidak response based on Indonesia, OJK, atau Lembaga Alternatif Penyelesaian
No investigation results Sengketa (LAPS), guna memperoleh penyelesaian lebih
lanjut.
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Kinerja Sosial Kinerja Lingkungan
Social Performance Environmental Performance
Kontribusi Sosial untuk Masyarakat Social Contributions to the Community
Bank Mayapada berperan aktif dalam memberikan dampak Bank Mayapada plays an active role in creating a positive
positif bagi masyarakat dan lingkungan melalui operasional impact on society and the environment through its business
bisnisnya. Setiap tahun, Bank menyalurkan bantuan sosial operations. Every year, the Bank distributes social assistance
yang mencakup sektor pendidikan, kesehatan, infrastruktur, covering the education, health, infrastructure, and humanitarian
dan kemanusiaan. Hingga akhir tahun 2025, total bantuan sectors. By the end of 2025, the total social assistance
sosial yang telah disalurkan mencapai Rp22 miliar, dengan distributed reached Rp22 billion, with the largest contributions
kontribusi terbesar berasal dari sektor pendidikan dan coming from the education sector and donations.
sumbangan.
Namun, Bank menyadari bahwa upaya pemberdayaan However, the Bank recognizes that community empowerment
masyarakat perlu dikembangkan lebih terpadu agar efforts need to be developed in a more integrated manner to
menciptakan dampak jangka panjang yang lebih signifikan. create a more significant long-term impact.
Kegiatan Donor Darah
Blood Donation Activity
Jakarta, 16 Oktober 2025
Kegiatan operasional perbankan tidak menimbulkan Banking operations do not cause significant environmental
Jakarta, October 16, 2025
dampak lingkungan yang signifikan. Komitmen terhadap impacts. Commitment to sustainability is demonstrated
keberlanjutan diwujudkan melalui penyaluran pembiayaan through the provision of financing under the Sustainable
pada Kategori Kegiatan Usaha Berkelanjutan (KKUB) serta Financing (KKUB) as well as the implementation of
penerapan praktik ramah lingkungan di lingkungan kerja, environmentally friendly practices in the workplace, including
termasuk efisiensi penggunaan energi, air, dan kertas, energy, water, and paper efficiency, and the management
serta pengelolaan emisi sepanjang 2025. Seiring dengan of emissions through 2025. Given the extensive network
luasnya jaringan unit kerja yang tersebar di berbagai wilayah, of branches spread across various regions, environmental
pencatatan dan pelaporan kinerja lingkungan saat ini telah performance recording and reporting have been carried out
dilakukan secara menyeluruh yakni Kantor Pusat serta comprehensively, covering both the Head Office and all branch
seluruh jaringan kantor cabang. Penyempurnaan sistem office networks. Improvements to the recording system are
Penanaman Pohon & Literasi Keuangan
pencatatan terus dilakukan guna meningkatkan cakupan dan continuously being made to enhance the scope and quality of
Tree Planting & Financial Literacy
kualitas pelaporan kinerja lingkungan ke depan. environmental performance reporting in the future.
Bandar Lampung, 14 Maret 2025
Bandar Lampung, March 14, 2025
Pengelolaan Kertas dan Material Ramah Lingkungan
Paper Management and Eco-Friendly Materials
Penggunaan Kertas (Rim) - Paper Usage (Reams) 2025 2024 2023
Total 1,903 2,877 2,870
Penanaman Pohon & Literasi Keuangan Kertas masih menjadi salah satu material yang digunakan Paper remains one of the materials used in banking operations,
Tree Planting & Financial Literacy dalam kegiatan operasional perbankan, khususnya untuk particularly for documentation and reporting needs. To improve
kebutuhan dokumentasi dan pelaporan. Untuk meningkatkan efficiency, paper utilization is optimized through the reuse of
Samarinda, 24 Maret 2025 efisiensi, pemanfaatan kertas dilakukan secara lebih optimal used paper, including for double-sided printing, internal drafts,
Samarinda, March 24, 2025 melalui penggunaan kembali kertas bekas, termasuk untuk and memos at Bank Mayapada throughout 2025. In line with
pencetakan dua sisi, draf internal, dan nota dinas di Bank our commitment to sustainability, reducing reliance on paper
Mayapada sepanjang 2025. Seiring dengan komitmen continues to be promoted through the strengthening of digital
terhadap keberlanjutan, pengurangan ketergantungan banking services and the implementation of paperless systems.
pada kertas terus didorong melalui penguatan layanan These initiatives include the digitization of documentation and
perbankan digital dan penerapan sistem paperless. Inisiatif reporting, the reduction of physical forms in transactions,
tersebut mencakup digitalisasi dokumentasi dan pelaporan, and the development of automated reporting through various
pengurangan penggunaan formulir fisik dalam transaksi, electronic channels.
serta pengembangan otomasi pelaporan melalui berbagai
kanal elektronik.
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Kinerja Lingkungan
Environmental Performance
Pengelolaan Air dan Efluen Water and Effluent Management Pengendalian Emisi Emissions Control
Kegiatan operasional perbankan memanfaatkan air untuk Banking operations utilize water for cleaning, sanitation, Pengukuran emisi Gas Rumah Kaca (GRK) dari operasionalnya Measurement of greehous gas (GHG) emissions from
kebutuhan kebersihan, sanitasi, dan kegiatan ibadah, dengan and religious activities, with the primary sources being the mencakup emisi GRK yang dihasilkan dari pembakaran BBM, operations includes GHG emissions generated from the
sumber utama berasal dari Perusahaan Daerah Air Minum Indonesian Regional Water Utility Company (PDAM) and serta penggunaan listrik. combustion of fossil fuels, as well as electricity usage.
(PDAM) dan air tanah di lingkungan perkantoran. Air limbah groundwater within the office premises. Wastewater generated
yang dihasilkan dialirkan melalui sistem pembuangan yang is discharged through a drainage system managed by
dikelola oleh manajemen gedung. Meskipun pengukuran building management. Although detailed water conservation
penghematan air belum dilakukan secara rinci, upaya measurements have not yet been conducted, efficiency efforts Emisi GRK yang Dihasilkan dari Operasional (dalam Ton CO2eq)
efisiensi terus didorong melalui imbauan penggunaan air continue to be promoted through appeals for prudent water GHG Emissions from Operational Activities (in Tonnes of CO2eq)
secara bijak kepada seluruh karyawan di Bank Mayapada use to all employees at Bank Mayapada throughout 2025.
sepanjang 2025. Sumber - Source 2025 2024
Cakupan 1 - Scope 1 1,732 1,429
Pengelolaan Energi Energy Management
1. Pembakaran Stationer (Genset)
47 51
Dalam aspek energi, listrik yang dipasok oleh PT PLN (Persero) Regarding energy, electricity supplied by PT PLN (Persero) Stationary Combustion
digunakan sebagai sumber utama operasional, dengan serves as the primary operational power source, with diesel- 2. Bahan Bakar Mesin Statis (Kendaraan Operasional)
1,685 1,378
genset berbahan bakar solar sebagai cadangan, serta bahan powered generators as a backup, and petroleum products to Mobile Combustion
bakar minyak untuk mendukung kendaraan operasional. support operational vehicles. To date, comprehensive tracking Cakupan 2 - Scope 2 4,810 5,026
Hingga saat ini, pencatatan intensitas dan penghematan of energy intensity and savings has not been fully implemented. 1. Listrik
energi belum dilakukan secara menyeluruh. Namun However, various energy efficiency measures continue to be 4,810 5,026
Electricity
demikian, berbagai langkah efisiensi energi terus diterapkan, implemented, including the use of LED lights, the utilization
Cakupan 3 - Scope 3 1,083 1,357
antara lain penggunaan lampu LED, pemanfaatan teknologi of remote communication technology to reduce business
komunikasi jarak jauh untuk mengurangi perjalanan bisnis, travel, and the regulation of lighting and air conditioning 1. Perjalanan Dinas
36 59
Business Travel
serta pengaturan penggunaan pencahayaan dan pendingin usage according to need. These efforts are part of the Bank’s
ruangan sesuai kebutuhan. Upaya ini merupakan bagian dari commitment to reduce resource consumption and gradually 2. Perjalanan Karyawan
1,047 1,298
komitmen Bank untuk menekan konsumsi sumber daya dan improve operational efficiency. Employee Commuting
meningkatkan efisiensi operasional secara bertahap. Total Emisi GRK Cakupan 1, 2, dan 3
7,625 7,812
Total GHG Emissions Scope 1, 2, and 3
Intensitas Emisi GRK (Ton CO2eq/Rp Miliar)
2.08 3.22
GHG Emission Intensity (Ton CO2eq/Rp Billion)
Penggunaan Energi
Energy Use
Keterangan:
Pada tahun 2025, BMI melakukan perubahan metodologi dan perluasan cakupan perhitungan emisi. Sejalan dengan itu, data
tahun 2023 tidak tersedia untuk diungkapkan.
Sumber Energi - Energy Source Satuan - Unit 2025 2024 2023 • Perhitungan emisi Gas Rumah Kaca (GRK) Cakupan 1, 2, dan 3 dilakukan untuk Kantor Pusat PT Bank Mayapada
Internasional Tbk serta seluruh jaringan kantor cabang.
Listrik - Electricity KWh 5,824,537 6,086,955 249,985 • Metodologi perhitungan emisi GRK yang digunakan oleh Bank mengacu pada standar GHG Protocol.
• Emisi Cakupan 1 mencakup penggunaan generator diesel dan kendaraan operasional Bank, dengan faktor emisi yang
merujuk pada Kalkulator Hijau V2 yang disusun oleh Bank Indonesia bersama Kementerian Koordinator Bidang Kemaritiman
BBM - Fuel Liter 715,017 595,060 27,007
dan Investasi, Kementerian Lingkungan Hidup dan Kehutanan, Kementerian Energi dan Sumber Daya Mineral, serta Tim Panel
Metodologi GRK Nasional.
Total Penggunaan Energi
GJ 45,382 42,127 • Emisi Cakupan 2 mencakup konsumsi listrik dengan faktor emisi yang mengacu pada faktor emisi sistem ketenagalistrikan
Total Energy Use Kementerian Energi dan Sumber Daya Mineral (2019).
• Emisi Cakupan 3 mencakup aktivitas perjalanan dinas menggunakan pesawat udara, kereta api, dan transportasi darat,
Intensitas Energi GJ/Rp Miliar dengan metodologi yang mengacu pada GHG Protocol Cross-Sector Tools (Maret 2017).
12.40 17.36
Energy Intensity GJ/Rp Billion
Notes:
Keterangan: In 2025, BMI revised its methodology and expanded the scope of energy calculations, include the Head Office and all branch
• Faktor konversi 1 kWh = 0,0036 Gigajoule offices. Accordingly, data for 2023 is not available for disclosure.
• Nilai Spesific Density = 0,74 kg/L (Gasoline) dan 0,84kg/L (Diesel) • The calculation of Greenhouse Gas (GHG) emissions for Scope 1, 2, and 3 covers the Head Office of PT Bank Mayapada
• Nilai Net Calorific Value = 44,61 TJ/Gg (Gasoline) dan 43,55 TJ/Gg (Diesel) Internasional Tbk as well as all branch office networks.
Pada tahun 2025, BMI melakukan perubahan metodologi dan perluasan cakupan perhitungan energi, yaitu mencakup Kantor • The GHG emissions calculation methodology applied by the Bank refers to the GHG Protocol standard.
Pusat dan seluruh kantor cabang. Sejalan dengan itu, data tahun 2023 tidak tersedia untuk diungkapkan. • Scope 1 emissions include the use of diesel generators and the Bank’s operational vehicles, with emission factors referring to
the Green Calculator V2 developed by Bank Indonesia in collaboration with the Coordinating Ministry for Maritime Affairs and
Investment, the Ministry of Environment and Forestry, the Ministry of Energy and Mineral Resources, and the National GHG
Notes: Methodology Panel Team.
• Conversion factor: 1 kWh = 0.0036 Gigajoules • Scope 2 emissions cover electricity consumption, with emission factors based on the electricity system emission factors
• Specific density values: 0.74 kg/L (Gasoline) and 0.84 kg/L (Diesel) published by the Ministry of Energy and Mineral Resources (2019).
• Net calorific values: 44.61 TJ/Gg (Gasoline) and 43.55 TJ/Gg (Diesel) • Scope 3 emissions include business travel activities using air transport, railways, and land transportation, with methodologies
In 2025, BMI revised its methodology and expanded the scope of energy calculations, include the Head Office and all branch referring to the GHG Protocol Cross-Sector Tools (March 2017).
offices. Accordingly, data for 2023 is not available for disclosure.
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Kinerja Lingkungan
Environmental Performance
Dalam upaya untuk mengendalikan emisi GRK, Bank In an effort to control GHG emissions, Bank Mayapada Pelestarian Keanekaragaman Hayati Biodiversity Conservation
Mayapada menerapkan berbagai langkah berikut: implements the following measures:
1. Melakukan perawatan rutin pada kendaraan operasional 1. Conducting routine maintenance on operational vehicles Seluruh kantor Bank Mayapada berlokasi di area perkantoran Seluruh kantor Bank Mayapada berlokasi di area perkantoran
agar lebih efisien dalam penggunaan bahan bakar serta to improve fuel efficiency and meet established emission dan perumahan sehingga tidak berdampak pada dan perumahan sehingga tidak berdampak pada
memenuhi standar emisi yang ditetapkan. standards. keanekaragaman hayati secara langsung. Selain itu, kegiatan keanekaragaman hayati secara langsung. Selain itu, kegiatan
2. Memastikan seluruh kendaraan lulus uji kelayakan jalan. 2. Ensuring all vehicles pass roadworthiness inspections. operasional Bank tidak mempengaruhi flora dan fauna yang operasional Bank tidak mempengaruhi flora dan fauna yang
3. Menggunakan alat pemadam api ringan (APAR) dengan 3. Using portable fire extinguishers (APAR) with more termasuk dalam daftar spesies langka atau dilindungi oleh termasuk dalam daftar spesies langka atau dilindungi oleh
bahan yang lebih ramah lingkungan. environmentally friendly materials. International Union for Conservation of Nature (IUCN). International Union for Conservation of Nature (IUCN).
4. Memanfaatkan freon AC yang bebas dari chloro fluoro 4. Using chloro fluoro carbon (CFC) free refrigerant in air
carbon (CFC). conditioning systems. Kepatuhan Lingkungan Hidup Environmental Compliance
Pengelolaan Limbah Sepanjang 2025, kepatuhan terhadap ketentuan lingkungan Throughout 2025, compliance with environmental regulations
Waste Management
hidup tetap terjaga dengan baik, tanpa adanya pengaduan remained strong, with no public complaints or incidents
Sebagian besar limbah yang dihasilkan dari kegiatan masyarakat maupun insiden yang mengakibatkan sanksi atau resulting in sanctions or fines related to environmental
operasional perbankan tergolong sebagai limbah domestik Most of the waste generated from banking operations is
denda terkait pelanggaran lingkungan di Bank Mayapada. violations at Bank Mayapada. This commitment is supported
non-B3 yang kemudian dikelola oleh Building Management. classified as non-hazardous and toxic waste and is managed
Komitmen ini didukung oleh penerapan inisiatif internal by the implementation of internal initiatives to maintain
Namun demikian, dalam jumlah terbatas tetap dihasilkan by the Building Management. However, a limited amount of
untuk menjaga keberlanjutan lingkungan serta pengelolaan environmental sustainability and the ongoing management of
limbah bahan berbahaya dan beracun (B3), seperti cartridge hazardous and toxic waste is still produced, such as used printer
risiko kepatuhan yang dilakukan secara berkelanjutan. compliance risks.
tinta printer bekas dan limbah elektronik. Untuk memastikan ink cartridges and electronic waste. To ensure responsible
pengelolaan yang bertanggung jawab, penanganan limbah management, the handling of hazardous and electronic waste
Selain dari sisi operasional internal, kepatuhan lingkungan Beyond internal operations, environmental compliance is also
B3 dan elektronik dilakukan melalui kerja sama dengan pihak is carried out in collaboration with third parties holding official
juga didorong pada tingkat portofolio pembiayaan. Debitur promoted at the financing portfolio level. Debtors are guided
ketiga yang memiliki izin resmi, sebagai bagian dari upaya permits, as part of efforts to mitigate environmental impacts.
diarahkan untuk mematuhi peraturan perundang-undangan to comply with environmental laws and regulations as part
pengendalian dampak lingkungan. di bidang lingkungan hidup sebagai bagian dari penerapan of the implementation of risk management and sustainability
manajemen risiko dan tanggung jawab keberlanjutan. responsibilities.
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Tanggung Jawab Pengembangan Produk dan/atau
Jasa Keuangan Berkelanjutan
Responsibility for the Development of Sustainable Finance Products and/or Services
Pelayanan yang Setara Equal Service
Penguatan kompetensi pelayanan, khususnya bagi frontliners, Strengthening service competencies, particularly for frontliners,
Akses terhadap layanan perbankan diberikan secara adil Access to banking services is provided fairly and equally to dilakukan melalui program pelatihan yang terarah. Nilai- is carried out through targeted training programs. Professional
dan setara kepada seluruh nasabah dan debitur, termasuk all customers and debtors, including individuals with special nilai profesionalisme, meliputi tanggung jawab, integritas, values, including responsibility, integrity, enthusiasm,
bagi individu dengan kebutuhan khusus. Untuk mendukung needs. To support this principle, service explanations are antusiasme, responsivitas, keramahan, dan ketelitian responsiveness, friendliness, and attention to detail, are
prinsip tersebut, penjelasan layanan disampaikan secara jelas provided clearly and in an easy-to-understand manner when diterapkan secara konsisten dalam setiap interaksi layanan. consistently applied in every service interaction. Efforts to
dan mudah dipahami ketika nasabah mengunjungi kantor customers visit service offices at Bank Mayapada. To maintain Upaya peningkatan kualitas pelayanan juga didukung oleh improve service quality are also supported by expanding access
layanan di Bank Mayapada. Dalam rangka menjaga mutu service quality and operational consistency, the international perluasan akses layanan digital, penguatan perlindungan to digital services, strengthening customer data protection and
layanan dan konsistensi operasional, standar internasional ISO 9001:2015 Quality Management System standard has data dan privasi nasabah, serta optimalisasi komunikasi privacy, and optimizing marketing communications.
ISO 9001:2015 Sistem Manajemen Mutu telah diterapkan been implemented across all service stages and operational pemasaran.
pada seluruh tahapan layanan dan proses operasional. processes. The implementation of this standard is evaluated
Implementasi standar ini dievaluasi secara berkala untuk periodically to ensure compliance with applicable regulations, Komunikasi Pemasaran [417-1, 417-3] Marketing Communications [417-1, 417-3]
memastikan kepatuhan terhadap ketentuan yang berlaku, with the certification valid until August 7, 2027.
dengan masa berlaku sertifikasi hingga 7 Agustus 2027. Komunikasi pemasaran dijalankan secara beretika dan Marketing communications are conducted ethically and in
sesuai dengan ketentuan peraturan perundang-undangan compliance with applicable laws and regulations to expand
Inovasi dan Pengembangan Produk dan/atau Jasa Innovation and Development of Sustainable Financial guna memperluas jangkauan pasar. Pengelolaan strategi market reach. The management of marketing strategies
Keuangan Berkelanjutan [FS15] Products and/or Services [FS15] pemasaran berada di bawah tanggung jawab Divisi Marketing falls under the responsibility of the Marketing Product
Product Communication & Customer Engagement (MPCCE), Communication & Customer Engagement (MPCCE) Division,
Penguatan sistem Teknologi Informasi (TI) menjadi salah Strengthening the information technology (IT) system is one of dengan memastikan kepatuhan terhadap standar periklanan ensuring compliance with advertising standards and the code
satu pilar utama dalam proses transformasi dan digitalisasi the main pillars in the banking transformation and digitalization serta kode etik yang berlaku di Bank Mayapada sepanjang of ethics in effect at Bank Mayapada through 2025.
perbankan. Penerapan teknologi yang tepat mendukung process. The application of appropriate technology supports 2025.
peningkatan efisiensi operasional, pengembangan produk, improved operational efficiency, product development,
serta kualitas layanan kepada nasabah. Sepanjang 2025, and service quality for customers. Throughout 2025, the Berbagai saluran digunakan dalam kegiatan komunikasi Various channels are utilized in marketing communication
optimalisasi teknologi internal dan layanan digital terus optimization of internal technology and digital services were pemasaran, antara lain program branding, media cetak activities, including branding programs, print and digital media,
dilakukan untuk mendorong pertumbuhan dan inovasi bisnis carried out to drive banking business growth and innovation. dan digital, sponsorship, serta penyelenggaraan kegiatan sponsorships, and the organization of marketing events. All
perbankan. pemasaran (marketing event). Seluruh aktivitas tersebut such activities are carried out in accordance with applicable
dilaksanakan sesuai dengan regulasi yang berlaku, dan regulations, and as of the end of the reporting period, no legal
Untuk memperkuat pertumbuhan bisnis, Bank melakukan To bolster business growth, the Bank has implemented a hingga akhir periode pelaporan tidak terdapat sanksi hukum sanctions or fines have been imposed regarding marketing
implementasi FX System untuk transaksi FX Today dan foreign exchange (FX) system for FX Today and FX Non- Today maupun denda yang dikenakan terkait praktik komunikasi communication practices.
FX Non-Today yang terintegrasi langsung secara real-time transactions that is directly integrated in real time with Reuters pemasaran.
dengan Reuters (Refinitiv) serta pengembangan Digital Sales (Refinitiv), as well as developed digital sales tools and a loan
Tools dan Loan Origination System (LOS) untuk segmen SME origination system (LOS) for the small medium enterprise Selain melalui media pemasaran formal, interaksi langsung In addition to formal marketing media, direct interactions
dan Commercial. (SME) and commercial segments. antara karyawan dan nasabah juga dimanfaatkan sebagai between employees and customers are also utilized as part of
bagian dari strategi komunikasi pemasaran. Untuk the marketing communication strategy. To ensure the delivery
Selain itu, partisipasi dalam pengembangan ekosistem Additionally, participation in the development of the digital memastikan penyampaian informasi yang jelas dan akurat, of clear and accurate information, efforts to strengthen
perbankan digital diwujudkan melalui peluncuran pilar banking ecosystem is realized through the launch of a new pillar penguatan pemahaman produk dan layanan perbankan serta understanding of banking products and services as well as
baru pada inisiatif Banking-as-a-Service (BaaS), yaitu pilar within the banking-as-a-service (BaaS) initiative: the transfer keterampilan komunikasi terus diberikan, khususnya kepada communication skills are continuously provided, particularly to
transfer. Pengembangan ini memungkinkan mitra untuk pillar. This development enables partners to integrate transfer karyawan yang berhadapan langsung dengan nasabah employees who interact directly with customers (frontliners).
mengintegrasikan layanan transfer ke dalam ekosistem services into their ecosystems. This initiative expands the (frontliners).
mereka. Inisiatif ini memperluas jangkauan layanan reach of financial services while supporting the development
keuangan sekaligus mendukung pengembangan solusi of more adaptive and sustainable banking solutions. Informasi Produk dan Layanan [417-2] Product and Service Information [417-2]
perbankan yang lebih adaptif dan berkelanjutan.
Penyampaian informasi produk dan layanan dilakukan secara Product and service information is communicated
Pelayanan Prima dari Frontliners Excellent Service from Frontliners transparan dan akurat, mencakup fitur, biaya, manfaat, serta transparently and accurately, covering features, costs, benefits,
potensi risiko, dan hanya disampaikan oleh unit kerja yang and potential risks, and is provided only by authorized units
Kualitas layanan dijaga melalui penerapan standar pelayanan Service quality is maintained through the implementation of berwenang di Bank Mayapada. Setiap perubahan produk atau within Bank Mayapada. Any changes to products or services,
yang mengacu pada POJK No 22 Tahun 2023 tentang service standards based on POJK No. 22 of 2023 concerning layanan, termasuk biaya dan suku bunga, diinformasikan including fees and interest rates, are communicated in a timely
Pelindungan Konsumen dan Masyarakat di Sektor Jasa Consumer and Public Protection in the Financial Services Sector secara tepat waktu melalui kanal digital dan konvensional, manner through digital and conventional channels, supported
Keuangan serta praktik terbaik industri, yang dituangkan and industry best practices, as outlined in the Branch Service serta didukung dengan pemberitahuan resmi internal. Akses by official internal notifications. Access to product information
dalam Standard Pelayanan Kantor melalui Surat Edaran Standards via Circular Letter No. 002/SE-HC/X/2024. These informasi produk tersedia melalui situs web, pusat kontak, is available via the website, contact center, and mobile banking
No. 002/SE-HC/X/2024. Standar ini menjadi pedoman standards serve as operational guidelines for all employees at dan aplikasi mobile banking, dengan kepatuhan penuh app, with full compliance with regulatory requirements through
operasional bagi seluruh karyawan di Bank Mayapada dalam Bank Mayapada in providing services to customers throughout terhadap ketentuan regulator sepanjang 2025. 2025.
memberikan layanan kepada nasabah sepanjang 2025. 2025.
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Tanggung Jawab Pengembangan Produk dan/atau Jasa Keuangan Berkelanjutan
Responsibility for the Development of Sustainable Finance Products and/or Services
Kebijakan Keamanan Data dan Privasi Nasabah [418-1] Customer Data Security and Privacy Policy [418-1] turut mendukung ketersediaan sistem yang tinggi (high high system availability and the Bank’s operational resilience.
availability) serta ketahanan operasional Bank.
Keamanan data dan privasi nasabah dijaga melalui Customer data security and privacy are safeguarded through
penerapan Business Continuity and Disaster Recovery (BCDR) the implementation of business continuity and disaster recovery Melalui penguatan sistem keamanan siber yang terintegrasi Through the strengthening of this integrated and sustainable
serta manajemen risiko teknologi informasi untuk memitigasi (BCDR) as well as information technology risk management dan berkelanjutan tersebut, Bank Mayapada berupaya cybersecurity system, Bank Mayapada strives to ensure that
potensi gangguan sistem akibat bencana dan perubahan to mitigate potential system disruptions caused by disasters memastikan bahwa seluruh layanan digital dapat diakses all digital services can be accessed securely and reliably, while
iklim. Pengelolaan data dilakukan secara terstruktur, baik and climate change. Data management is conducted in a secara aman dan andal, sekaligus meminimalkan risiko minimizing the risk of data breaches and security incidents that
untuk dokumen fisik maupun basis data digital, dengan structured manner, for both physical documents and digital kebocoran data dan insiden keamanan yang berpotensi could potentially impact customers and the Bank’s business
dukungan pusat data dan Disaster Recovery Center (DRC) di databases, with the support of data centers and a Disaster berdampak pada nasabah dan kelangsungan usaha Bank. continuity. In 2025, there were no reports of data breaches
Bank Mayapada. Recovery Center (DRC) at Bank Mayapada. Di 2025, tidak terdapat laporan atas kebocoran data dari involving customers.
nasabah.
Penerapan keamanan data mengacu pada Undang-Undang Data security measures are implemented in accordance with
No. 27 Tahun 2022 tentang Pelindungan Data Pribadi, dengan Law No. 27 of 2022 on Personal Data Protection, utilizing multi- Peningkatan SDM terkait TI dan Keamanan Siber Enhancement of Human Capital in IT and Cybersecurity
pengamanan berlapis guna mencegah risiko kebocoran data layered security to prevent the risk of data breaches from both Untuk mendukung keamanan siber, pelatihan dan sosialisasi To support cybersecurity, training and awareness programs are
dari internal maupun eksternal. Audit sistem keamanan internal and external sources. Information security system keamanan siber diberikan secara berkala kepada karyawan, provided regularly to employees, covering topics such as ISO
informasi dilakukan secara berkala oleh pihak independen. audits are conducted periodically by an independent third party. mencakup antara lain Awareness ISO 27001:2022, New 27001:2022 awareness, new employee orientation program,
Sepanjang 2025, berdasarkan laporan whistleblowing, Throughout 2025, based on whistleblowing reports, reports of Employee Orientation Program, bimbingan teknis Threat technical guidance on threat intelligence in collaboration
laporan dari keluhan nasabah, dan pemantauan internal customer complaints, and the bank’s internal monitoring, there Intelligence bersama BSSN, strategi komputasi awan (cloud with BSSN, cloud strategy, IT system development, as well as
bank, tidak terdapat insiden terkait upaya penyalahgunaan were no incidents related to attempts to misuse customer data strategy), pengembangan sistem TI, serta kegiatan workshop workshops and knowledge-sharing activities.
data nasabah atau penyebaran data nasabah tanpa izin dari or the dissemination of customer data without the customer’s dan knowledge sharing.
nasabah. permission.
Meningkatkan Kesadaran Nasabah terhadap Kemanan Raising Customer Awareness of Cybersecurity
Sistem Manajemen Keamanan Siber [418-1] Cybersecurity Management System [418-1] Siber
Sebagai respons terhadap meningkatnya risiko In response to the increasing risk of one-time password (OTP)
Seiring dengan semakin luasnya digitalisasi layanan In line with the increasing digitalization of banking services, penyalahgunaan one time password (OTP), Bank secara aktif misuse, the Bank actively enhances customers’ cybersecurity
perbankan, Bank Mayapada menempatkan keamanan Bank Mayapada prioritizes cybersecurity as a key focus in meningkatkan literasi keamanan siber bagi nasabah melalui literacy through various preventive measures, including
siber sebagai salah satu prioritas utama dalam menjaga safeguarding data confidentiality, customer privacy, and berbagai langkah preventif, antara lain penyediaan flyer providing flyers and welcome packs with security guidelines
kerahasiaan data, privasi nasabah, serta keandalan sistem the reliability of the Bank’s operational systems. In the 2025 dan welcome pack pada setiap pengiriman kartu baru yang in every new card shipment, regular education via email, SMS,
operasional Bank. Pada tahun pelaporan 2025, Bank telah reporting year, the Bank launched a fraud detection system memuat panduan keamanan, edukasi berkala melalui surel, and social media, and urging cardholders not to share OTP
meluncurkan platform Fraud Detection System untuk platform to support the security of customer transactions on SMS, dan media sosial, serta imbauan kepada pemegang codes, PINs, or transaction data with anyone, including when
menunjang keamanan bertransaksi nasabah dikanal digital digital channels 24/7. kartu untuk tidak membagikan kode OTP, PIN, maupun data interacting with the call center.
selama 24x7. transaksi kepada pihak mana pun, termasuk saat berinteraksi
dengan contact center.
Dalam memperkuat sistem manajemen keamanan informasi To strengthen its information and cybersecurity management
dan siber, Bank Mayapada menerapkan pendekatan terpadu systems, Bank Mayapada applies an integrated approach Selain kepada nasabah, penguatan kesadaran keamanan In addition to customers, efforts to strengthen cybersecurity
yang mencakup aspek people, process, dan technology. covering the aspects of people, process, and technology. siber juga dilakukan secara internal. Frontliners berperan awareness are also conducted internally. Frontline staff serve
Dari sisi SDM, Perseroan secara rutin menyelenggarakan Regarding human capital, the Company regularly conducts sebagai garda terdepan dalam mengedukasi nasabah as the first line of defense in educating customers about
pelatihan teknis dan sosialisasi keamanan siber guna technical training and cybersecurity awareness sessions to terkait risiko keamanan, termasuk pungutan liar, skimming, security risks, including illegal fees, skimming, data theft, and
meningkatkan kompetensi dan kesadaran seluruh karyawan enhance employees’ competencies and awareness regarding pencurian data, dan berbagai modus penipuan digital. various forms of digital fraud.
terhadap risiko kebocoran data dan ancaman siber. Dari data breach risks and cyber threats. Regarding processes,
sisi proses, Perseroan menjalankan Sistem Manajemen the Company operates an Information Security Management Penerapan Antipencucian Uang, Pencegahan Pendanaan Anti-Money Laundering, Counter-Terrorist Financing, and
Keamanan Informasi (SMKI) yang mengacu pada standar ISO System (ISMS) aligned with the ISO 27001:2022 standard, Terorisme, dan Pencegahan Pendanaan Proliferasi Senjata Counter-Proliferation Financing (APU-PPT & PPPSPM)
27001:2022, didukung dengan pelaksanaan uji keamanan, supported by regular security testing, tabletop exercises, and Pemusnah Massal (APU-PPT & PPPSPM)
table top exercise, serta simulasi phishing secara berkala. phishing simulations.
Pencegahan pencucian uang, pendanaan terorisme, dan Preventing money laundering, terrorist financing, and
Dari aspek teknologi, Bank mengoperasikan Security From a technological perspective, the Bank operates a security pendanaan proliferasi senjata pemusnah massal menjadi the financing of the proliferation of weapons of mass
Operation Center (SOC) yang dilengkapi dengan berbagai operations center (SOC) equipped with multiple layers of security, bagian penting dari pengelolaan risiko kepatuhan di Bank destruction is a core component of the Bank’s compliance
lapisan pengamanan, antara lain proteksi terhadap including protection against denial-of-service (DDoS) attacks, Mayapada. Program Anti-Pencucian Uang, Pencegahan risk management framework. The Bank implements its Anti-
serangan DDoS, anti-spam, data leak prevention, vulnerability anti-spam, data leak prevention, vulnerability management, Pendanaan Terorisme, dan Pencegahan Pendanaan Money Laundering, Counter-Terrorist Financing, and Counter-
management, serta pemantauan anomali sistem secara real- and real-time monitoring of system anomalies through the Proliferasi Senjata Pemusnah Massal (APU-PPT & PPPSPM) Proliferation Financing (APU-PPT & PPPSPM) program under
time melalui implementasi Extended Detection & Response implementation of extended detection and response (XDR). diterapkan secara ketat di bawah koordinasi Divisi Kepatuhan the oversight of the Compliance and Anti-Money Laundering
(XDR). Peningkatan kapabilitas SOC juga dilakukan melalui SOC capabilities are further enhanced through collaboration dan Anti Money Laundering (AML), dengan penerapan prinsip (AML) Division. This includes the consistent application of
kerja sama dengan Badan Siber dan Sandi Negara (BSSN), with the National Cyber and Crypto Agency (BSSN), particularly mengenal nasabah (KYC) sebagai prosedur standar dalam Know Your Customer (KYC) principles as a standard across all
khususnya dalam penguatan threat intelligence. Pemanfaatan in strengthening threat intelligence. The utilization of big data seluruh aktivitas perbankan. banking activities.
teknologi big data analytics dan hyperconverged infrastructure analytics and hyperconverged infrastructure also supports
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Tanggung Jawab Pengembangan Produk dan/atau Jasa Keuangan Berkelanjutan
Responsibility for the Development of Sustainable Finance Products and/or Services
Penerapan Know Your Customer (KYC) dilakukan sejak tahap KYC is applied from the account opening stage through Internet Banking
pembukaan rekening hingga pemantauan transaksi nasabah ongoing monitoring of customer transactions. Prospective
Uraian - Description 2025 2024 2023
secara berkelanjutan. Calon nasabah diwajibkan melengkapi customers are required to provide identification details, the
data identitas, tujuan pembukaan rekening, sumber dana, purpose of account opening, source of funds, and an expected Jumlah transaksi tercatat
serta perkiraan aktivitas transaksi. Selanjutnya, pemantauan transaction profile. Transactions are continuously monitored 263,715 305,084 289,647
Number of recorded transactions
transaksi dilakukan untuk mengidentifikasi aktivitas yang to detect activities that are inconsistent with the customer’s
Nasabah pengguna internet banking
tidak sesuai dengan profil nasabah. Apabila ditemukan profile. Where unusual transactions cannot be reasonably 33,928 30,362 26,192
Internet banking users
transaksi yang tidak wajar dan tidak dapat dijelaskan explained, they are classified as suspicious and reported to
secara memadai, transaksi tersebut diklasifikasikan sebagai Indonesian Financial Transaction Reports and Analysis Center Jumlah nilai transaksi (Rp miliar)
2,732.05 2,531.33 2,158.72
transaksi mencurigakan dan dilaporkan kepada Pusat (INTRAC) in accordance with applicable regulations. Transaction value (Rp billion)
Pelaporan dan Analisis Transaksi Keuangan (PPATK) sesuai
ketentuan yang berlaku. Transaksi Kartu ATM
ATM Transaction
Penguatan implementasi APU-PPT juga didukung melalui The Bank also strengthens APU-PPT implementation by
Uraian - Description 2025 2024 2023
peningkatan kesadaran dan kompetensi karyawan. Sosialisasi enhancing employee awareness and capability. Regular
dan pelatihan terkait APU-PPT, termasuk penerapan KYC dan training and internal outreach programs cover KYC practices Jumlah transaksi tercatat
1,261,457 1,417,306 1,526,801
pemahaman pencegahan tindak pencucian uang, diberikan and broader financial crime prevention measures. In 2025, Number of recorded transactions
secara berkala melalui berbagai media edukasi internal. Di a total of 1,407 employees participated in compliance and
Jumlah nilai transaksi (Rp miliar)
2025, pelatihan terkait kepatuhan dan pencegahan kejahatan financial crime prevention training. 1,675.53 1,830.25 1,912.07
Transaction value (Rp billion)
keuangan diikuti oleh 1.407 karyawan.
Akses dan Keterjangkauan Layanan Access and Affordability of Services Survei Kepuasan Nasabah Customer Satisfaction Survey
Akses layanan perbankan terus diperluas melalui Access to banking services continues to expand through the Survei kepuasan nasabah digunakan sebagai instrumen Customer satisfaction surveys serve as a key tool for
pengembangan jaringan kantor dan infrastruktur layanan Bank’s growing branch network and service infrastructure untuk mengevaluasi kualitas produk dan layanan perbankan assessing the quality of the Bank’s products and services,
yang menjangkau berbagai wilayah operasional di Indonesia. across its operating regions in Indonesia. As of year-end serta memperkuat komunikasi dengan nasabah sebagai while strengthening engagement with customers as primary
Hingga akhir 2025, jaringan layanan di Bank Mayapada 2025, Bank Mayapada’s network comprised 162 branches pemangku kepentingan utama. Hasil survei ini dimanfaatkan stakeholders. The insights generated are used to identify
mencakup 162 kantor cabang dan 155 mesin ATM yang and 155 automated teller machines (ATMs) across 55 cities/ sebagai dasar dalam mengidentifikasi area perbaikan improvement areas and support ongoing enhancements in
tersebar di 55 kota/kabupaten dan 25 provinsi. Upaya ini regencies in 25 provinces. These efforts underscore the dan mendorong peningkatan kualitas layanan secara service quality across Bank Mayapada. In addition, the Bank
mencerminkan komitmen Bank dalam menyediakan layanan Bank’s commitment to delivering accessible services while berkelanjutan di Bank Mayapada. Selain survei kepuasan, tracks its Net Promoter Score (NPS) to gauge customer
yang mudah diakses serta membangun kepercayaan dan strengthening customer trust and loyalty, in line with its motto, pengukuran Net Promoter Score (NPS) juga dilakukan untuk loyalty and evaluate the effectiveness of its efforts to deliver a
loyalitas nasabah, sejalan dengan moto “Melayani dengan “Serving with Commitment.” menilai tingkat loyalitas nasabah serta efektivitas upaya Bank consistent, value-driven customer experience.
Komitmen”. dalam membangun pengalaman layanan yang konsisten
dan bernilai tambah.
Selain jaringan fisik, perluasan akses layanan juga dilakukan Beyond its physical network, the Bank is also expanding access
melalui penguatan internet banking dan mobile banking yang through enhanced internet and mobile banking platforms,
memungkinkan nasabah bertransaksi kapan saja dan di mana enabling customers to transact anytime, anywhere. Digital
saja. Pengembangan dan penyempurnaan layanan digital banking capabilities continue to be developed and refined as
banking terus dilakukan sebagai bagian dari transformasi part of the Bank’s ongoing transformation to keep pace with
berkelanjutan untuk menyesuaikan dengan perkembangan technological advancements and evolving customer needs.
teknologi dan kebutuhan nasabah. Pemanfaatan layanan Usage of digital channels continues to grow, delivering value to
digital banking menunjukkan tren peningkatan dan both customers and the Bank while supporting the expansion
memberikan manfaat bagi nasabah maupun Bank, yang of fee-based income.
turut mendukung pertumbuhan pendapatan berbasis biaya Survei Kepuasan Nasabah
(fee-based income) Bank. Customer Satisfaction Survey
Net Promoter Score (NPS)
Mobile Banking 2025: 98.64%
Uraian - Description 2025 2024 2023 2024: 97.64% 2025: 81.22%
Jumlah transaksi tercatat
2,311,931 2,008,560 1,635,205
2024: 70.99%
Number of recorded transactions
Nasabah pengguna mobile banking
56,687 49,824 42,412
Mobile banking users
Jumlah nilai transaksi (Rp miliar)
1, 525.04 1,264.79 912.02
Transaction value (Rp billion)
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78 2025 Sustainability Report PT Bank Mayapada Internasional Tbk PT Bank Mayapada Internasional Tbk 2025 Sustainability Report 79
Page 41
Referensi Peraturan OJK No. 51/POJK.03/2017 dan Surat Edaran
OJK No. 16/SEOJK.04/2021.
OJK Regulation (POJK) No. 51/POJK.03/2017 and OJK Circular Letter (SEOJK) No. 16/
SEOJK.04/2021 References
Indikator Halaman Indikator Halaman
No. No.
Indicators Page(s) Indicators Page(s)
Strategi Keberlanjutan - Sustainability Strategy Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi
Penjelasan Strategi Keberlanjutan pada Instrumen Keuangan atau Proyek yang Sejalan dengan Keuangan
A.1 14 Berkelanjutan
Elaboration on Sustainability Strategy F.3 52-53
Comparison of target to performance of portfolio, financing target, or investments
Ikhtisar Kinerja Aspek Keberlanjutan - Summary of Sustainability Aspect Performance in financial instruments or projects in line with the implementation of Sustainable
Aspek Ekonomi Finance
B.1 8
Economic Aspects Kinerja Lingkungan Hidup - Environmental Performance
Aspek Lingkungan Hidup Aspek Umum - General Aspect
B.2 9
Environmental Aspects
Biaya Lingkungan Hidup
Aspek Sosial F.4 N/A
B.3 9 Environmental Costs
Social Aspects
Aspek Material - Material Aspect
Profil Perusahaan - Company Profile
Penggunaan Material yang Ramah Lingkungan
Visi, Misi, dan Nilai Keberlanjutan F.5 69
C.1 26 Use of Environmentally Friendly Materials
Vision, Mission, and Values of Sustainability
Aspek Energi - Energy Aspect
Alamat Perusahaan
C.2 27 Jumlah dan Intensitas Energi yang Digunakan
Company’s Address F.6 70
Amount and Intensity of Energy Used
Skala Usaha
C.3 28-37 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
Enterprise Scale F.7 70
Efforts and Achievements of Energy Efficiency and Use of Renewable Energy
Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
C.4 30-31 Aspek Air - Water Aspect
Products, Services, and Business Activities
Keanggotaan pada Asosiasi Penggunaan Air
C.5 36 F.8 70
Membership in Association Water usage
Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan Aspek Keanekaragaman Hayati - Aspects of Biodiversity
C.6 37
Significant Changes in Issuers and Public Companies Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi
Penjelasan Direksi - The Board of Directors’ Explanation atau Memiliki Keanekaragaman Hayati
F.9 73
Impacts from Operational Areas that are Near or Located in Conservation Areas or
Penjelasan Direksi Have Biodiversity
D.1 10-13
The Board of Directors’ Explanation
Usaha Konservasi Keanekaragaman Hayati
Tata Kelola Keberlanjutan - Sustainability Governance F.10 73
Biodiversity Conservation Efforts
Penanggung Jawab Penerapan Keuangan Berkelanjutan Aspek Emisi - Emission Aspect
E.1 40
Responsible for Implementing Sustainable Finance
Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
Pengembangan Kompetensi Terkait Keuangan Berkelanjutan F.11 71
E.2 40 Total and Intensity of Emissions Generated by Type
Competency Development Related to Sustainable Finance
Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
Penilaian Risiko atas Penerapan Keuangan Berkelanjutan F.12 71
E.3 41-42 Efforts and Achievements of Emission Reduction Made
Risk Assessment of the Implementation of Sustainable Finance
Aspek Limbah dan Efluen - Waste and Effluent Aspects
Hubungan dengan Pemangku Kepentingan
E.4 46-48 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
Relations with Stakeholders F.13 72
Amount of Waste and Effluent Generated by Type
Permasalahan terhadap Penerapan Keuangan Berkelanjutan
E.5 41-42 Mekanisme Pengelolaan Limbah dan Efluen
Problems with the Implementation of Sustainable Finance F.14 72
Waste and Effluent Management Mechanism
Kinerja Keberlanjutan - Sustainability Performance
Tumpahan yang Terjadi (jika ada)
Kegiatan Membangun Budaya Keberlanjutan F.15 N/A
F.1 6, 26 Occurring Spills (if any)
Sustainable Culture Development Activities
Aspek Pengaduan terkait Lingkungan Hidup - Complaint Aspects related to the
Kinerja Ekonomi - Economic Performance Environment
Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
Investasi, Pendapatan dan Laba Rugi F.16 73
F.2 51 Number and Material of Environmental Grievances Received and Resolved
Comparison of targets to performance of production, portfolio, financing targets, or
investments, revenue as well as profit and loss Kinerja Sosial - Social Performance
Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara
F.17 kepada Konsumen 74
Commitment to Provide Services on Equal Products and/or Services to Consumers
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Page 42
Referensi Peraturan OJK No. 51/POJK.03/2017 dan Surat Edaran OJK Indeks Isi GRI
No. 16/SEOJK.04/2021 GRI Content Index
OJK Regulation (POJK) No. 51/POJK.03/2017 and OJK Circular Letter (SEOJK)
No. 16/SEOJK.04/2021 References
Pernyataan Penggunaan PT Bank Mayapada Internasional Tbk telah melaporkan informasi yang terdapat dalam indeks
konten GRI ini untuk periode 1 Januari sampai dengan 31 Desember 2023 dengan mengacu
pada Standar GRI.
No. Indeks Nama Indeks Halaman Statement of Use PT Bank Mayapada Internasional Tbk has reported the information cited in this GRI content index
Index Number Index Name Page(s) for the period January 1 to December 31 2023 with reference to the GRI Standards.
Aspek Ketenagakerjaan - Employment Aspect GRI 1 yang Digunakan GRI 1: Fondasi 2021
GRI 1 Used GRI 1: Foundation 2021
Kesetaraan Kesempatan Bekerja
F.18 57
Equal Employment Opportunity
Standar GRI Indikator Pengungkapan Lokasi
Tenaga Kerja Anak dan Tenaga Kerja Paksa
F.19 58 GRI Standard Indicators Disclosure Location
Child Labor and Forced Labor
Upah Minimum Regional Pengungkapan Umum - General Disclosures
F.20 60
Regional Minimum Wage GRI 2: Detail organisasi
2-1 27, 30-31
Lingkungan Bekerja yang Layak dan Aman Pengungkapan Organizational details
F.21 61
Decent and Safe Work Environment Umum 2021 Entitas yang termasuk dalam laporan keberlanjutan
General 2-2 15
Pelatihan dan Pengembangan Kemampuan Karyawan Entities included in the organization’s sustainability reporting
F.22 62 Disclosures 2021
Employee Capability Training and Development Periode laporan, frekuensi, dan kontak
2-3 15
Aspek Masyarakat - Community Aspect Reporting period, frequency, and contact point
Dampak Operasi terhadap Masyarakat Sekitar Informasi yang dinyatakan kembali
F.23 64 2-4 15
Impact of Operations on Surrounding Communities Restatements of information
Pengaduan Masyarakat Penjaminan eksternal
F.24 65 2-5 15
Community Complaints External assurance
Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL) Kegiatan, rantai nilai, dan hubungan bisnis lainnya
F.25 68 2-6 13,18,17
Corporate Social Responsibility (CSR) Activities, value chain, and other business relationships
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan Karyawan
2-7 16-17
Responsibility for Sustainable Product/Service Development Employees
Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan Tenaga kerja yang bukan karyawan
F.26 74 2-8 N/A
Innovation and Development of Sustainable Financial Products/Services Workers who are not employees
Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan Struktur dan komposisi tata kelola
F.27 76 2-9 38-39
Products/Services That Have Been Evaluated for Safety for Customers Governance structure and composition
Dampak Produk/Jasa Laporan
F.28 75-79 Pencalonan dan pemilihan badan tata kelola tertinggi
Product/Service Impact 2-10 Tahunan
Nomination and selection of the highest governance body
Annual Report
Jumlah Produk yang Ditarik Kembali
F.29 74 Ketua badan tata kelola tertinggi
Number of Product Recalls 2-11 38-39
Chair of the highest governance body
Survei Kepuasan Pelanggan terhadap Produk dan/atau Jasa Keuangan
F.30 Berkelanjutan 79 Peran pejabat tata kelola tertinggi dalam memantau dampak
Customer Satisfaction Survey on Sustainable Financial Products and/or Services manajemen
2-12 40
Role of the highest governance body in overseeing the management of
Lain-lain - Others impacts
Verifikasi Tertulis dari Pihak Independen (jika ada) Delegasi tanggung jawab dalam mengelola dampak
G.1 17 2-13 40
Written Verification from Independent Party (if any) Delegation of responsibility for managing impacts
Lembar Umpan Balik Peran pejabat tata kelola tertinggi dalam pelaporan keberlanjutan
G.2 87 2-14 11,15
Feedback Sheet Role of the highest governance body in sustainability reporting
Tanggapan terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya Konflik kepentingan
G.3 25 2-15
Responses to Feedback on the Previous Year’s Sustainability Report Conflicts of interest Laporan
Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/ Tahunan
Komunikasi terkait perhatian yang bersifat kritis Annual Report
POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa 2-16
Communication of critical concerns
Keuangan, Emiten, dan Perusahaan Publik
G.4 80-82 Pengetahuan kolektif pejabat tata kelola tertinggi
List of Disclosures According to Otoritas Jasa Keuangan Regulation Number 51/ 2-17 38
POJK.03/2017 concerning Implementation of Sustainable Finance for Financial Collective knowledge of the highest governance body
Services Institutions, Issuers, and Public Companies Evaluasi kinerja pejabat tata kelola tertinggi
2-18
Evaluation of the performance of the highest governance body
Laporan
Kebijakan remunerasi
2-19 Tahunan
Remuneration policies
Annual Report
Proses untuk menentukan remunerasi
2-20
Process to determine remuneration
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Indeks Isi GRI
GRI Content Index
Standar GRI Indikator Pengungkapan Lokasi Standar GRI Indikator Pengungkapan Lokasi
GRI Standard Indicators Disclosure Location GRI Standard Indicators Disclosure Location
Pengungkapan Umum - General Disclosures Topik Material - Material Topics
GRI 2: Laporan GRI 401: Perekrutan karyawan baru dan pergantian karyawan
Rasio kompensasi total tahunan 401-1 57-59
Pengungkapan 2-21 Tahunan Kepegawaian New employee hires and employee turnover
Annual total compensation ratio
Umum 2021 Annual Report 2016 Tunjangan yang diberikan kepada karyawan purnawaktu yang tidak
General Pernyataan pada strategi pengembangan berkelanjutan Employment 2016 diberikan kepada karyawan sementara atau paruh waktu
Disclosures 2021 2-22 401-2 61
Statement on sustainable development strategy Benefits provided to full-time employees that are not provided to
Komitmen kebijakan temporary or part-time employees
2-23 10-11
Policy commitments Cuti orang tua
401-3 61
Menanamkan komitmen kebijakan Parental leave
2-24
Embedding policy commitments GR1 404: Rata-rata jam pelatihan per tahun per karyawan
404-1
Proses remediasi dampak negatif Pelatihan dan Average hours of training per year per employee
2-25 Pendidikan 2016
Processes to remediate negative impacts Program untuk meningkatkan keterampilan karyawan dan program 33
Training and bantuan peralihan
Mekanisme pemberian nasihat dan meningkatkan perhatian Education 2016 404-2
2-26 41-42 Programs for upgrading employee skills and transition assistance
Mechanisms for seeking advice and raising concerns
programs
Kepatuhan dalam undang-undang dan peraturan
2-27 Persentase karyawan yang menerima tinjauan rutin terhadap kinerja
Compliance with laws and regulations
dan pengembangan karier
Keanggotaan asosiasi 404-3 33
2-28 37 Percentage of employees receiving regular performance and career
Membership associations development reviews
Pendekatan pada pelibatan pemangku kepentingan GRI 405: Keanekaragaman badan tata kelola dan karyawan
2-29 45-48 405-1 34
Approach to stakeholder engagement Kebersamaan Diversity of governance bodies and employees
Perjanjian perundingan kolektif dan Kesempatan
2-30 58 Setara 2016
Collective bargaining agreements
Diversity And Rasio gaji pokok dan remunerasi perempuan dibandingkan laki-laki
Topik Material - Material Topics 405-2 59
Equal Opportunity Ratio of basic salary and remuneration of women to men
GRI 3: Proses menentukan topik material 2016
3-1
Topik Material Process to determine material topics
15 GRI 417: Pemenuhan informasi dan pelabelan produk dan jasa
2021 Daftar topik material 417-1 61
3-2 Pemasaran dan Requirements for product and service information and labeling
Material Topic List of material topics Pelabelan 2016 Insiden ketidakpatuhan terkait informasi dan pelabelan produk dan
2021
Manajemen topik material Marketing and jasa
3-3 18-22 Labeling 2016 417-2 75
Management of material topics Incidents of non-compliance concerning product and service information
GRI 201: Nilai ekonomi langsung yang dihasilkan dan didistribusikan and labeling
201-1 55
Kinerja Ekonomi Direct economic value generated and distributed Insiden ketidakpatuhan terkait komunikasi pemasaran
2016 417-3 75
Kewajiban program pensiun manfaat pasti dan program pensiun Incident of non-compliance concerning marketing communications
Economic 201-3 lainnya 61 GRI 418:
Performance 2016 Defined benefit plan obligations and other retirement plans Keluhan yang substansial tentang pelanggaran privasi pelanggan dan
Privasi Nasabah
hilangnya data pelanggan
GRI 204: 2016 418-1 76
Substantiated grievances concerning breaches of customer privacy and
Praktik Customer Privacy
Proporsi pengeluaran untuk pemasok lokal losses of customer data
Pengadaan 2016 204-1 56 2016
Proportion of spending on local suppliers
Procurement Sektor Layanan Keuangan - Financial Services Sector
Practices 2016
GRI 4: Sektor Kebijakan dengan komponen lingkungan dan sosial tertentu yang
GRI 205: Komunikasi dan pelatihan tentang kebijakan dan prosedur antikorupsi Layanan diterapkan pada lini bisnis
Anti Korupsi 2016 205-2 Communication and training about anti-corruption policies and FS1 19
Keuangan 2013 Policies with specific environmental and social components applied to
Anti-Corruption procedures 42 Financial Services business lines
2016 Insiden korupsi yang terbukti dan tindakan yang diambil Sector 2013
205-3 Prosedur untuk menilai dan menyaring risiko lingkungan dan sosial di
Confirmed incidents of corruption and actions taken lini bisnis
FS2 41,60
Procedures for assessing and screening environmental and social risks in
business line
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Indeks Isi GRI Lembar Umpan Balik
GRI Content Index Feedback Form
Kami mohon kesediaan para pemangku kepentingan We would like to ask all stakeholders to kindly provide
untuk memberikan umpan balik setelah membaca feedback after reading the Sustainability Report of PT
Laporan Keberlanjutan PT Bank Mayapada Internasional Bank Mayapada Internasional Tbk by sending email.
Standar GRI Indikator Pengungkapan Lokasi Tbk dengan mengirim surel.
GRI Standard Indicators Disclosure Location
Sektor Layanan Keuangan - Financial Services Sector
GRI 4: Sektor Proses untuk memantau implementasi dan kepatuhan klien dengan
Layanan persyaratan lingkungan dan sosial termasuk dalam perjanjian atau Profil Anda Mohon pilih jawaban yang paling sesuai
Keuangan 2013 transaksi Your profile Please choose the most appropriate answer
FS3 41
Financial Services Process for monitoring clients’ implementation and compliance with
Sector 2013 environmental and social requirements included in agreement or Nama (bila berkenan): 1. Laporan ini sudah menggambarkan kinerja Perseroan mencakup
transaction Name (if you please): aspek ekonomi, sosial, dan lingkungan
Proses untuk meningkatkan kompetensi staf untuk This report describe Company’s performance in economic, social,
mengimplementasikan kebijakan dan prosedur lingkungan dan sosial
and environment aspects
FS4 sebagaimana diterapkan pada lini bisnis 40
Process for improving staff competency to implement the environmental Institusi/Perusahaan
and social policies and procedures as applied to business lines Institution/Company: Tidak Setuju Netral Setuju
Interaksi dengan klien mengenai risiko dan peluang lingkungan dan Disagree Neutral Agree
sosial
FS5 19
Interactions with clients regarding environmental and social risks and 2. Laporan ini menyajikan informasi yang seimbang, yang
opportunities mencakup informasi positif dan negatif
Surel - Email:
Persentase portofolio untuk lini bisnis berdasarkan wilayah tertentu, This report shows balanced information, which is included positive
ukuran, dan menurut sektor
FS6 50-51 and negative information
Percentage of the portfolio for business lines by specific region, size and
by sector Telp/Hp - Phone/Mobile:
Tidak Setuju Netral Setuju
Cakupan dan frekuensi audit untuk menilai implementasi kebijakan
lingkungan dan sosial dan prosedur penilaian risiko Disagree Neutral Agree
FS9 19,41
Coverage and frequency of audits to assess implementation of
environmental and social policies and risk assessment procedures 3. Laporan ini meningkatkan kepercayaan Anda pada keberlanjutan
Akses di daerah berpenduduk rendah atau kurang beruntung secara Anda termasuk dalam golongan pemangku kepentingan: Perseroan
ekonomi berdasarkan jenis You belong to the stakeholders group of: This report increase Your trust to the Company’s sustainability
FS13 64
Access points in low-populated or economically disadvantaged areas by
type
Tidak Setuju Netral Setuju
Inisiatif untuk meningkatkan akses ke layanan keuangan untuk orang- Pemegang Saham - Stakeholder
Disagree Neutral Agree
orang yang kurang beruntung Karyawan - Employee
FS14 34
Initiatives to improve access to financial services for disadvantaged
Nasabah - Customer 4. Urutkan topik material yang menjadi prioritas Anda:
people
Kebijakan untuk desain yang adil dan penjualan produk dan layanan Regulator - Regulator Sort the priority of material topic, which is the most important to
FS15 keuangan 74 Mitra bisnis - Partner You:
Policies for the fair design and sale of financial products and services Kinerja Ekonomi - Economic Performance
Masyarakat - Community
Inisiatif untuk meningkatkan literasi keuangan berdasarkan jenis Keuangan Berkelanjutan - Sustainable Finance
FS16 penerima manfaat 64 Lain-lain, mohon sebutkan. - Others, please state.
Perubahan Iklim - Climate Change
Initiatives to enhance financial literacy by type of beneficiary
Keamanan Data dan Privasi Nasabah - Customer Data
Security and Privacy
Pengalaman Nasabah - Customer Experience
Manajemen Sumber Daya Manusia - Human Resource
Management
Antikorupsi - Anti-Corruption
Terima kasih atas partisipasi Anda. Thank you for Your participation.
Penyampaian umpan balik kepada - Submit feedback to:
PT Bank Mayapada Internasional Tbk
Surel - Email: corsec@bankmayapada.com
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2025 Sustainability Report
Transformation and Performance
for Sustainable Growth
Kantor Pusat & Kantor Pusat Operasional
Headquarter & Operational Head Office
Mayapada Tower, GF-3rd floor
Jl. Jend. Sudirman Kav. 28 Jakarta 12920 - Indonesia
Telepon/Telephone : (+62 21) 521 2288
(+62 21) 521 2300
Faksimili/Facsimile : (+62 21) 521 1985
(+62 21) 521 1995
Reuters : MAYA
Telex : 65019 MAYA IA
Surel/E-mail : corsec@bankmayapada.com
Situs Web/Website : www.bankmayapada.com
Laporan Keberlanjutan 2025
90 2025 Sustainability Report PT Bank Mayapada Internasional Tbk
Names mentioned 55 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Mayapada
p.2 ×160
unresolved
org
Bank Mayapada’s
p.2 ×13
unresolved
org
Bank Mayapada Profile Tata Kelola Keberlanjutan
p.3
unresolved
org
Bank Mayapada. Di
p.8
unresolved
org
Doli
p.8 ×3
unresolved
org
Bank Mayapada Bank Mayapada Profile Visi
p.14
unresolved
org
Bank Mayapada Bank Mayapada Profile Kepemilikan Saham Share
p.15
unresolved
org
Menteri Kehakiman
p.15
unresolved
org
Minister of Justice
p.15
unresolved
org
Indonesia Stock Exchange
p.15
unresolved
org
PT Mayapada Karunia Komitmen Bank Mayapada
p.15
unresolved
org
Life Insurance Co., Ltd.
p.15
unresolved
person
Dato’ Sri Prof. DR. Tahir
p.15 ×2
unresolved
org
PT Gatsu Griya
p.15
unresolved
org
Bank Mayapada Bank Mayapada Profile LOANS Produk
p.16
unresolved
org
Bank Garansi
p.16
unresolved
org
Bank Guarantees SIMPANAN
p.16
unresolved
org
Bank Mayapada Bank Mayapada Profile Skala Usaha Business
p.17
unresolved
org
Bank Mayapada’s Employees Jumlah Karyawan
p.17
unresolved
org
Bank Mayapada Bank Mayapada Profile Jumlah Karyawan
p.18
unresolved
org
Bank Mayapada Bank Mayapada Profile Wilayah Operasional
p.19
unresolved
org
Departemen FBI
p.23 ×2
unresolved
org
Bank Mayapada Kepentingan
p.24
unresolved
org
Bank Mayapada’s Response
p.24
unresolved
org
Bank Mayapada’s Response Stakeholder
p.24
unresolved
—
least once a year
p.24
unresolved
—
• Pengembangan karier, pelatihan
p.24
unresolved
—
Employee
p.24
unresolved
—
• Career development, training
p.24
unresolved
—
education
p.24
unresolved
—
• Occupational health and safety
p.24
unresolved
org
Bank Mayapada Kepentingan Frekuensi
p.25
unresolved
org
Bank Mayapada’s Response Stakeholder Meeting
p.25
unresolved
org
Sustainable Finance Implementation Mayapada Internasional Tbk.
p.27
unresolved
org
Bank Mayapada Labor Union
p.30
unresolved
org
Bank Mayapada Perempuan
p.30
unresolved
org
Bank Workers’ Union
p.31
unresolved
org
Bank Mayapada. Ketentuan
p.31
unresolved
org
Bank Mayapada. Pelaksanaan K
p.31
unresolved
org
Bank Mayapada. OSH
p.31
unresolved
org
Bank Mayapada. All
p.33 ×2
unresolved
org
Bank Mayapada. Seluruh
p.33
unresolved
org
Bank Goes
p.33 ×2
unresolved
org
Bank Indonesia
p.34
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.