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Nomor Surat No.SKL.029/04-2026/PRESDIR-CorSec
Nama Perusahaan Bank Sinarmas Tbk
Kode Emiten BSIM
Lampiran 2
Perihal Penyampaian Laporan Tahunan & Keberlanjutan dan ESG
Perseroan Menyampaikan Laporan Tahunan & Keberlanjutan dan ESG tahun 2025 dengan periode tahun buku dari
01 Januari 2025 sampai dengan 31 Desember 2025 dalam bahasa Indonesia dan Inggris
Apakah Perseroan akan/telah melakukan panggilan Rapat Umum Pemegang Saham Tahunan? (Ya)
Perseroan melakukan panggilan Rapat Umum Pemegang Saham Tahunan pada tanggal 03 Juni 2026
Informasi sebagaimana dimaksud di atas telah dimuat pada Situs Web Perseroan di alamat link
www.banksinarmas.com pada tanggal 30 April 2026
Apakah Perseroan tercatat di Bursa lain? (Tidak)
A. Kinerja Lingkungan (Environmental Performance)
Perseroan menyampaikan Keberlanjutan dan ESG Tahunan :
E-01 Laporan Emisi Gas Rumah Kaca (GRK)
Laporan Emisi GRK Konsolidasi? Tidak
Batasan Organisasi Ekuitas
Adakah anak perusahaan yang tidak diikutsertakan dalam
Tidak
laporan ini?
Name Total Emisi (tCO2e)
Kategori 1: Emisi GRK langsung dan pembuangan
Emisi langsung dari pembakaran stasioner 0
Emisi langsung dari pembakaran bergerak 121,89
Emisi langsung dari proses pengolahan 0
Emisi fugitive langsung 0
Emisi langsung dari Land Use, Land Use Change and
0
Forestry (LULUCF)
Total Emisi Langsung (Scope 1) 121,89
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Kategori 2: Emisi GRK tidak langsung dari energi yang diimpor/dibeli
Emisi tidak langsung dari konsumsi Listrik yang
198,89
diimpor/dibeli
Emisi tidak langsung dari konsumsi jaringan energi yang
0
diimpor/dibeli (diluar listrik)
Total Emisi Tidak Langsung (Scope 2) 121,89
Kategori 3: Emisi GRK tidak langsung dari transportasi
Transportasi dan distribusi hulu 0
Perjalanan dinas 0
Transportasi dari klien dan pengunjung 0
Transportasi dan distribusi hilir 0
Perjalanan Karyawan 0
Kategori 4: Emisi GRK tidak langsung dari produk yang digunakan oleh perusahaan
Kegiatan yang berhubungan dengan energi yang tidak
termasuk dalam emisi langsung dan emisi energi tidak 0
langsung
Pembelian Barang dan Jasa 0
Capital equipment/goods 0
Limbah yang dihasilkan dalam kegiatan operasional 0
Aset Sewaan hulu 0
Kategori 5: Emisi GRK tidak langsung yang terkait dengan penggunaan produk dari perusahaan
Investasi 0
Penggunaan produk yang dijual 0
Perawatan akhir masa pakai produk yang dijual 0
Waralaba hilir 0
Aset Sewaan Hilir 0
Pengolahan produk yang dijual 0
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Kategori 6: Emisi GRK tidak langsung dari sumber lainnya
Emisi atau pembuangan tidak langsung lainnya 0
Total Emisi Tidak Langsung (Scope 3) 0
Total Emisi GRK (Scope 1 and 2) 320,78
Total Emisi GRK (Scope 1, 2 and 3) 320,78
Offsets/Credits 0
Pembelian Renewable Energy Certificate (REC) (kWh) 0
Total emisi dari Scope 1 dan 2 per unit
E-02 Intensitas Emisi GRK 0,00017
pendapatan Perusahaan Tercatat
Jumlah total energi yang dikonsumsi secara
251.759
langsung (kWh or J)
Jumlah total energi yang dikonsumsi secara
E-03 Konsumsi Energi listrik 0
tidak langsung (kWh or J))
Total konsumsi energi (kWh or J) 251.759
E-04 Konsumsi Air Total konsumsi air (m3) 61,18
E-05 Limbah yang dihasilkan Total limbah yang dihasilkan (ton) 5,25
E-06 Komitmen Perusahaan untuk mencapai target Net Zero Emission
Apakah Perusahaan memiliki komitmen pencapaian target net zero? Ya
Tahun berapa Perusahaan menargetkan pencapaian Net Zero emission yang
2060
dipublikasi?
Mohon berikan deskripsi ringkas penjelasan dan tautan ke dokumentasi yang menjelaskan komitmen
pencapaian target Net zero emission Perusahaan.
Bank mendukung upaya pencapaian target Net Zero Emission melalui penerapan kebijakan, inisiatif, dan
praktik operasional yang mendorong pengurangan emisi serta penggunaan sumber daya secara lebih
bertanggung jawab.
E-07 Komitmen Perusahaan untuk mengurangi Emisi Gas Rumah Kaca (Emission Reduction)
Apakah Perusahaan memiliki komitmen mengurangi emisi? Tidak
0%
Target pengurangan emisi GRK
0 (tCO2e)
Tahun target untuk penurunan emisi GRK? null
Apakah perusahaan memiliki manajemen yang mengawasi pengendalian iklim?
Tidak
Langkah-langkah yang sudah dilakukan dan penurunan emisi yang telah dicapai dibandingkan tahun
sebelumnya.
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Penjelasan:
1. Pengaturan pemakaian pendingin ruangan dan lampu, serta penggunaan lampu Light Emitting Diode (LED) di
beberapa wilayah operasional.
2. Penggunaan sumber energi terbarukan yang berasal dari panel surya di Kantor Cabang Klampis dan
Diponegoro.
3. Penggunaan motor listrik sebagai pengganti kendaraan berbahan bakar fosil dalam kegiatan operasional di
beberapa kantor cabang.
4. Pelaksanaan rapat atau pertemuan secara daring sehingga mengurangi penggunaan kendaraan operasional
kantor.
5. Penyediaan ruang terbuka hijau di sekitar wilayah kantor.
B. Kinerja Sosial (Social Performance)
S-01 Kesetaraan Gender
Laki-Laki Perempuan
Level Jabatan
Jumlah pegawai Persentasi pegawai Jumlah pegawai Persentasi pegawai
Entry-level 2.272 38,28 % 2.272 38,28 %
Mid-level 1.263 21,28 % 738 12,43 %
Senior-level 797 13,43 % 357 6,02 %
Executive-level 263 4,43 % 155 2,61 %
Total Pegawai 90 1,52 % 3.522 59,34 %
S-02 Jumlah level pegawai yang dimiliki oleh laki-laki dan perempuan berdasarkan kelompok umur
Level Jabatan
Rentang Usia Entry-level Mid-level Senior-level Executive-level Jumlah
(tahun) Pegawai
Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan Laki-Laki Perempuan
18-25 2.413 59,3429 207 150 18 14 0 1 0
25-35 0 390 1.068 870 387 402 122 86 20
35-45 6 2.961 731 229 289 354 209 155 92
45-55 64 2.123 256 13 44 27 26 20 32
>55 16 434 10 1 0 0 0 1 11
S-03 Tingkat Pergantian Pegawai
Jumlah Pegawai (dalam tahun Percentage Pegawai (dalam tahun
pelaporan) pelaporan)
Jumlah Pegawai
resign/Pemutusan Hubungan 4 Pegawai 27 %
Kerja
Jumlah Pegawai Baru/pengganti 614 Pegawai 12,84 %
S-04 Jumlah Pegawai Sementara
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Jumlah Pegawai (dalam tahun Percentage Pegawai (dalam tahun
pelaporan) pelaporan)
Jumlah Pegawai perusahaan
yang dipegang oleh kontraktor 863 Pegawai 18,05 %
dan/atau konsultan
S-05 Pelatihan dan Pengembangan Pegawai
Rata-rata jam pelatihan per
Jumlah pegawai yang ikut serta Persentase jumlah pegawai yang
pegawai dalam tahun
dalam program pelatihan ikut serta dalam pelatihan (%)
Pelaporan
1.323 jam/pegawai 27,67 84,1 %
S-06 Jumlah Kecelakaan Kerja
Persentase kecelakaan kerja serius yang berakibat
Frekuensi kecelakaan kerja dari total pegawai
cedera serius dan fatal dari total pegawai (%)
4.612 78 %
S-07 Jumlah Kejadian Pelanggaran Hak Asasi Manusia
Jumlah pelanggaran hak asasi manusia dalam tahun
0
Pelaporan
Kebijakan Perusahaan terkait Pekerja
S-08 Perusahaan memiliki kebijakan terkait pelecehan seksual dan/atau
Tidak
non-diskriminasi?
Kebijakan mengenai pelecehan seksual dan/atau non-diskriminasi diatur dalam beberapa ketentuan
internal, di antaranya Peraturan Perusahaan, Kode Etik dan Pedoman Tingkah Laku, serta SOP
Kedisiplinan Karyawan. Bank Sinarmas tidak dapat mentoleransi segala bentuk tindakan diskriminasi,
pelecehan, intimidasi, dan pelecehan seksual. Dalam Peraturan Perusahaan pelecehan seksual ditetapkan
sebagai pelanggaran bersifat mendesak yang dapat diancam sanksi Pemutusan Hubungan Kerja.
Untuk informasi lebih lanjut mengenai kebijakan yang dipublikasikan terdapat pada link berikut :
https://www.banksinarmas.com/id/informasiumum/tatakelola/terkait-etik-perlindungan
S-09 Perusahaan memiliki kebijakan mengenai hak asasi manusia? Ya
Bank Sinarmas menyusun Kode Etik dan Pedoman Tingkah Laku yang secara umum bertujuan untuk
mewujudkan kesetaraan perlakuan, menghargai hak asasi manusia, dan peduli pada masyarakat dan
lingkungan.
S-10 Perusahaan memiliki kebijakan mengenai pekerja anak dan/atau
Tidak
pekerja paksa?
Batasan usia anak yang berlaku di Indonesia berdasarkan Undang-Undang Perlindungan Anak adalah di
bawah 18 tahun. Bank Sinarmas berkomitmen tidak mempekerjakan Pekerja Anak dengan menetapkan
usia minimal 18 tahun dalam persyaratan kerja yang dicantumkan dalam Peraturan Perusahaan Pasal 4.
S-11 Perusahaan memiliki kebijakan perusahaan mengenai kesehatan dan
keselamatan kerja serta lingkungan kerja yang aman dan layak diberikan Ya
kepada seluruh karyawan?
Untuk melindungi keamanan, keselamatan, dan kesehatan kerja Karyawan guna mewujudkan produktivitas
kerja yang optimal, Bank Sinarmas mengupayakan keamanan, keselamatan, dan kesehatan kerja sesuai
peraturan perundang-undangan yang berlaku. Hal ini tercantum dalam Peraturan Perusahaan Pasal 40.
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Corporate Social Responsibility (CSR)
S-12 Perusahaan memiliki aktivitas CSR, investasi atau sumbangan
Ya
terhadap komunitas atau organisasi nirlaba terdaftar?
Bank Sinarmas terus berkontribusi dalam pemberdayaan masyarakat melalui berbagai program yang
terarah dan berkelanjutan. Fokus kami adalah mendorong literasi dan inklusi keuangan, meningkatkan
kualitas pendidikan, serta mendukung kesejahteraan sosial melalui kegiatan-kegiatan di bidang kesehatan,
keagamaan, sarana dan prasarana sosial, hingga filantropi.
C. Kinerja Tata Kelola (Governance Performance)
G-01 Keberagaman Manajemen dan Independensi (Board Diversity and Independence)
Tipe Manajemen
Jumlah Laki-laki Perempuan Pihak Independen
Perusahaan
Komisaris 0 0 0 2
Direksi 0 1 2 3
G-02 Total kehadiran direksi dan komisaris ke rapat dewan
Jumlah rapat dewan (di tahun Rata-rata persentase kehadiran
pelaporan) direksi/komisaris dalam rapat dewan
Jumlah kehadiran direksi ke rapat
2 0%
dewan
Jumlah kehadiran komisaris ke
11 94 %
rapat dewan
Kebijakan mengenai manajemen lainnya
G-03 Perusahaan memiliki kebijakan mengenai pemisahan Chairman of
Ya
The Board dan CEO?
Perusahaan telah memiliki kebijakan dimaksud, yang mengacu pada Undang-Undang Cipta Kerja No. 11
tahun 2020, yang mengubah Pasal 1 angka 2, 5, 6 Undang-Undang Perseroan Terbatas No. 40/2007 Pasal
1 angka 1, 2, 5, dan 6 yang menegaskan: Organ Perseroan adalah Rapat Umum Pemegang Saham,
Direksi, dan Dewan Komisaris. Dengan demikian, mengingat organisasi Bank menggunakan 2 tier, Dewan
Komisaris memiliki tugas dan fungsi melakukan pengawasan dan pemberian nasihat. Sedangkan Direksi
mengelola Bank.
Kebijakan itu, antara lain mencakup:
1. Pada prinsipnya, Komisaris Utama memiliki peran dalam mengoordinasikan pelaksanaan fungsi
pengawasan serta pemberian nasihat kepada Direksi atas pengelolaan Bank. Komisaris Utama memastikan
bahwa pelaksanaan strategi, pengelolaan risiko, kepatuhan, serta penerapan tata kelola perusahaan
berjalan sesuai dengan ketentuan yang berlaku dan kepentingan jangka panjang Bank.
2. Direktur Utama memimpin pelaksanaan seluruh tugas Direksi dalam mengelola dan menjalankan
kegiatan usaha Bank. Tugas dan fungsi tersebut dijalankan dengan memperhatikan efektivitas span of
control, koordinasi antar fungsi bisnis dan pendukung, serta pengawasan terhadap implementasi strategi,
kinerja operasional, manajemen risiko, dan tata kelola perusahaan guna memastikan keberlangsungan
usaha Bank secara berkelanjutan.
G-04 Perusahaan memiliki kebijakan penilaian dewan direksi dan
Ya
komisaris
Page 7
Kebijakan penilaian Direksi dan Dewan Komisaris yang ada mencakup: Prosedur dan Penilaian Kinerja;
Dasar/Kriteria Penilaian Kinerja; dan Hasil Penilaian Kinerja secara kualitatif yang mengacu pada hasil self-
assessment
G C G .
Self-assessment
Dasar/Kriteria Penilaian Kinerja Dewan Komisaris
1 Struktur dan komposisi Dewan Komisaris;
.2 Efektivitas pelaksanaan program kerja komite-komite di bawah Dewan Komisaris;
.3 Pengawasan pelaksanaan strategi dan pengelolaan perusahaan;
.4 Penerapan tata kelola perusahaan yang baik; dan
.5 Penerapan manajemen risiko dan pengendalian internal dalam menghadapi potensi risiko.
.
Dasar/Kriteria Penilaian Kinerja Direksi
1 Penetapan target Bank;
.2 Penyusunan strategi dan rencana bisnis Bank ke depannya;
.3 Implementasi strategi pengelolaan Bank;
.4 Penerapan kebijakan pengendalian internal dan manajemen risiko
.
G-05 Perusahaan memiliki kebijakan pelatihan dewan direksi dan
Ya
komisaris
Kebijakan Pengembangan Kompetensi Dewan Komisaris
Bank Sinarmas telah memiliki kebijakan untuk memfasilitasi Dewan Komisaris mengikuti berbagai program
pengembangan kompetensi. Langkah ini dilakukan guna memastikan Dewan Komisaris memiliki
kompetensi yang diperlukan untuk menjalankan peran dan fungsinya secara efektif dalam mendukung
kesuksesan dan keberlanjutan Bank.
Kebijakan Pengembangan Kompetensi Direksi
Bank Sinarmas telah memiliki kebijakan untuk memfasilitasi Direksi mengikuti berbagai program
pengembangan kompetensi. Langkah ini dilakukan guna memastikan Direksi memiliki kompetensi yang
diperlukan untuk menjalankan perannya secara efektif dalam mendukung kesuksesan dan keberlanjutan
Bank.
G-06 Kriteria khusus yang digunakan untuk pemilihan dewan direksi dan
Ya
komisaris
Kriteria Khusus Dewan Komisaris
Anggota Dewan Komisaris telah lulus penilaian kemampuan dan kepatutan (fit and proper test). Komitmen
ini merupakan wujud kepatuhan Bank terhadap Peraturan Otoritas Jasa Keuangan No. 27/ POJK.03/2016
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan. Informasinya
telah diungkapkan dalam Laporan Tahunan Tahun Buku 2025.
Kriteria Khusus Direksi
Anggota Direksi telah lulus penilaian kemampuan dan kepatutan (fit and proper test). Komitmen ini
merupakan wujud kepatuhan Bank terhadap Peraturan Otoritas Jasa Keuangan No. 27/ POJK.03/2016
tentang Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan. Informasinya
telah diungkapkan dalam Laporan Tahunan Tahun Buku 2025.
G-07 Perusahaan memiliki kebijakan mengenai kode etik dan/atau anti-
Ya
korupsi?
Kebijakan Kode Etik
Kebijakan Kode Etik dan Pedoman Tingkah Laku merupakan pedoman dasar dalam bersikap dan bertindak
bagi seluruh insan Bank Sinarmas serta menjadi bagian integral dari kebijakan perusahaan. Setiap
keputusan dan tindakan yang diambil atas nama perusahaan diarahkan oleh standar integritas pribadi dan
profesional yang tinggi, sesuai dengan ketentuan perundang-undangan yang berlaku. Detail tentang
Kebijakan Kode Etik dan Pedoman Tingkah Laku yang disusun oleh Divisi Organization Development &
Industrial Relations-Group Human Capital Management berlaku sejak 20 September 2023, dan telah
Page 8
dipublikasikan di situs web Bank pada laman Hubungan Investor bagian Kebijakan Terkait Tata Kelola.
Bank juga telah merumuskan etika bisnis dan perilaku sebagai bagian integral dari komitmen integritas,
yang diiringi dengan pengembangan sistem manajemen risiko yang disesuaikan dengan menjunjung tinggi
prinsip kehati-hatian dan GCG.
Kebijakan Anti Korupsi
Bank Sinarmas telah mengimplementasikan prinsip-prinsip anti korupsi, sebagaimana tertuang dalam pasal-
pasal Peraturan Perusahaan, Kode Etik dan Pedoman Tingkah Laku, dan SOP Kedisiplinan Karyawan.
Untuk menangani praktik korupsi, balas jasa (kickbacks), fraud, suap, dan/atau gratifikasi, Bank telah
menetapkan sejumlah prosedur yang diatur dalam Kode Etik dan Pedoman Tingkah Laku Versi 2.0.
Bank juga telah merumuskan etika bisnis dan perilaku sebagai bagian integral dari komitmen integritas,
yang diiringi dengan pengembangan sistem manajemen risiko yang disesuaikan dengan menjunjung tinggi
prinsip kehati-hatian dan GCG.
G-08 Perusahaan memiliki kebijakan mengenai perlakuan adil terhadap
Ya
Pemegang Saham?
Perlakuan Adil terhadap Pemegang Saham
Seluruh informasi telah dipublikasikan dalam Laporan Tahunan Tahun Buku 2025. Rinciannya mencakup:
Pemegang Saham memiliki hak untuk berpartisipasi dalam pengambilan keputusan-keputusan terkait:
1 Perubahan Anggaran Dasar dan perubahan-perubahan mendasar lainnya mengenai Bank;
.2 Hak untuk berpartisipasi secara efektif dan menggunakan suara dalam RUPS; serta
.3 Hak untuk mendapatkan informasi mengenai RUPS termasuk mata acara/agenda, aturan, dan
.prosedur dalam pengambilan suara.
Bank Sinarmas melindungi dan memfasilitasi pelaksanaan hak-hak dasar Pemegang Saham, tanpa
membedakan kepemilikan berdasarkan kelas saham, seperti:
1 Menghadiri dan memberikan 1 suara dalam RUPS;
.2 Mendapatkan informasi yang relevan dan material secara tepat waktu;
.3 Dapat memberikan kuasa kepada pihak lain apabila Pemegang Saham berhalangan hadir dalam
.RUPS;
4 Memperoleh materi RUPS sebelum RUPS dilaksanakan;
.5 Dapat memberikan suara setuju, tidak setuju atau abstain pada setiap usulan putusan agenda
.RUPS; dan
6 Mendapat perlakuan yang sama dan setara dari Bank Sinarmas.
.
G-09 Perusahaan memiliki kebijakan mengenai kewajiban
Ya
direksi/komisaris untuk mencegah adanya konflik kepentingan?
Bank Sinarmas telah memiliki kebijakan mengenai kewajiban direksi/komisaris untuk mencegah adanya
konflik kepentingan dan telah diungkapkan dalam Laporan Tahunan Tahun Buku 2025.
Pengelolaan Benturan Kepentingan Dewan Komisaris
Benturan kepentingan terjadi ketika kepentingan ekonomi Bank bertentangan dengan kepentingan
ekonomis pribadi. Maka dari itu, setiap anggota Dewan Komisaris wajib:
1. Mengutamakan kepentingan Perseroan dan tidak mengurangi keuangan Perseroan dalam hal terjadi
benturan kepentingan;
2. Menghindari diri dari pengambilan keputusan dalam situasi dan kondisi adanya benturan kepentingan;
3. Melakukan pengungkapan hubungan kekeluargaan, hubungan keuangan, hubungan kepengurusan,
hubungan kepemilikan dengan Anggota Komisaris lain dan/atau anggota Direksi dan/atau Pemegang
Saham pengendali bank dan atau pihak lainnya dalam rangka bisnis Perseroan; dan
4. Melakukan pengungkapan dalam hal pengambilan keputusan tetap harus diambil pada kondisi adanya
benturan kepentingan.
Pengelolaan Benturan Kepentingan Direksi
Pengelolaan benturan kepentingan Direksi dilakukan berdasarkan kebijakan terkait transaksi afiliasi,
transaksi benturan kepentingan, transaksi material, serta perubahan kegiatan usaha sebagai bagian dari
penerapan tata kelola perusahaan yang baik. Kebijakan ini menjadi landasan dalam memastikan setiap
pengambilan keputusan dilakukan secara objektif, transparan, dan independen, dengan tetap
Page 9
mengutamakan kepentingan Bank serta kepatuhan terhadap ketentuan yang berlaku.
1. Direksi wajib memperhatikan prinsip dasar untuk menghindari benturan kepentingan terhadap kebijakan
dan pelaksanaan Tata Kelola Perusahaan sebagaimana telah diatur di dalam peraturan regulator.
2. Dalam hal ini terjadi benturan kepentingan, anggota Direksi dilarang mengambil tindakan yang dapat
merugikan Bank atau mengurangi keuntungan Bank dan wajib mengungkapkan benturan kepentingan
dalam setiap keputusan.
D. Lain-lain
Keselarasan Laporan Keberlanjutan/Tahunan dengan Metrik ESG
Halaman di Laporan
Kinerja Kode Nama Metrik
Keberlanjutan/Tahunan
E-01 Laporan Emisi Gas Rumah Kaca 6
E-02 Intensitas Emisi Gas Rumah Kaca 100
E-03 Konsumsi Energi Listrik 607
E-04 Konsumsi Air 607
Lingkungan
E-05 Limbah yang Dihasilkan 606
Komitmen Perusahaan untuk Mencapai
E-06 608
Target Net Zero Emission
Komitmen Perusahaan untuk
E-07 609
mengurangi Emisi Gas Rumah Kaca
S-01 Kesetaraan Gender 605
Pegawai Berdasarkan Gender dan
S-02 606
Kelompok Umur
S-03 Tingkat Pergantian Pegawai 586
S-04 Jumlah Pegawai Sementara 83
S-05 Pelatihan dan Pengembangan Pegawai 84
S-06 Jumlah Kecelakaan Kerja 84
Kejadian Pelanggaran Hak Asasi
S-07 590
Manusia
Sosial Kebijakan Pelecehan Seksual dan/atau
S-08 588
Non-diskriminasi
S-09 Kebijakan Mengenai Hak Asasi Manusia 0
Kebijakan Pekerja Anak dan/atau
S-10 586
Pekerja Paksa
Kebijakan Mengenai Kesehatan dan
Keselamatan Kerja serta Lingkungan
S-11 586
Kerja yang Aman dan Layak diberikan
Kepada Seluruh Karyawan
S-12 Pencegahan Konflik Kepentingan 587
Page 10
Keberagaman Manajemen dan
G-01 588
Independensi
Total Kehadiran Direksi dan Komisaris ke
G-02 593
Rapat Dewan
Kebijakan Pemisahan Chairman of the
G-03 219-317
Board dan CEO
Kebijakan Penilaian Dewan Direksi dan
G-04 310-315
Komisaris
Kebijakan Pelatihan Dewan Direksi dan
Tata-kelola G-05 307-308
Komisaris
G-06 Kriteria Khusus Pemilihan Dewan 309-310
G-07 Kode Etik dan/atau Anti-Korupsi 288-306
Kebijakan Perlakuan Adil terhadap
G-08 281-298
Pemegang Saham
G-09 Pencegahan Konflik Kepentingan 442-447
Standar Internasional yang Diacu dan Verifikasi Pihak Ketiga
Keselarasan dengan kerangka pelaporan keberlanjutan
X Ya Tidak
X GRI
TCFD
CDP
IFRS S1
IFRS S2
SASB
Others, please specify
Assurance dan validasi pihak ketiga
X Tidak
Demikian untuk diketahui.
Hormat Kami,
Bank Sinarmas Tbk
Page 11
Retno Tri Wulandari
Corporate Secretary Division Head
Bank Sinarmas Tbk
Sinar Mas Land Plaza - Menara 1 Lantai 8
Telepon : 021-31990101 , Fax : 021-31990401, www.banksinarmas.com
Nama Pengirim Retno Tri Wulandari
Jabatan Corporate Secretary Division Head
Tanggal dan Waktu 30-04-2026 16:56
Lampiran 1. Peny Lap Tahunan dan Keberlanjutan 2025 (OJK PPM).pdf
2. BSIM_AR_2025 (300426) Medium_OK.pdf
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informasi yang tertera didalam dokumen ini.
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Letter / Announcement No. No.SKL.029/04-2026/PRESDIR-CorSec
Issuer Name Bank Sinarmas Tbk
Issuer Code BSIM
Attachment 2
Subject Submission of Annual And Sustainability Report
The Company hereby submit Annual And Sustainability Report Report 2025 for the period of 01 Januari 2025 to 31
Desember 2025 in Indonesia dan Inggris
Will the Company be/has summons for the Annual General Meeting of Shareholders? (Yes)
The Company made invitations to the Annual General Meeting of Shareholders on 03 Juni 2026
The information referred above has been published on the Company’s website www.banksinarmas.com at 30 April
2026
Is the Company listed on another Stock Exchange? (No)
A. Environmental Performance
The Company submits its Annual Sustainability and ESG Report:
E-01 Greenhouse Gas (GHG) Emission Report
Consolidated GHG Emission Report? No
Organizational Boundaries Ekuitas
Any subsidiaries that are not included in the report? No
Name Total emission (tCO2e)
Category 1: Direct GHG emissions and removals
Direct emissions from stationary combustion 0
Direct emissions from mobile combustion 121,89
Direct emissions from processes 0
Direct fugitive emissions 0
Direct emissions from Land Use, Land Use Change and
0
Forestry (LULUCF)
Total Direct Emissions (Scope 1) 121,89
Category 2: Indirect GHG emissions from imported energy
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Indirect emissions from imported/purchased electricity
198,89
consumption
Indirect emissions from imported/purchased network energy
0
consumption (excluding electricity)
Total Indirect Emissions (Scope 2) 121,89
Category 3: Indirect GHG emissions from transportation
Upstream transport and distribution 0
Business travels 0
Transportation of clients and visitors 0
Downstream transportation and distribution 0
Employee commuting 0
Category 4: Indirect GHG emissions from products used by Organization
Energy related activities not included in direct emissions and
0
energy indirect emissions
Purchased goods and services 0
Capital equipment/goods 0
Waste generated in operations 0
Upstream leased assets 0
Category 5: Indirect GHG Emissions associated with the use of products from the Organization
Investments 0
Use of sold products 0
End of life treatment of sold products 0
Downstream franchises 0
Downstream leased assets 0
Processing of sold products 0
Category 6: Indirect GHG emissions from other sources
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Other indirect emissions or removals 0
Total GHG Emissions (Scope 1 and 2) 0
Total GHG Emissions (Scope 1 and 2) 320,78
Total GHG Emissions (Scope 1, 2 and 3) 320,78
Offsets/Credits 0
REC Purchases (kWh) 0
Total scope 1 and 2 emissions produced per
E-02 GHG Emissions Intensity 0,00017
revenue of listed compant (tCO2e/Rp)
Total amount of energy directly consumed
251.759
(kWh or J)
Total amount of energy indirectly consumed
E-03 Electricity Consumption 0
(kWh or J)
Total energy consumption (kWh or J) 251.759
E-04 Water Consumption Total water consumed (m3) 61,18
E-05 Waste Generation Total waste generated (ton) 5,25
E-06 Company commitment to Net Zero Emission Target
Does the Company have a net zero emission target commitment? Yes
What year is the Company’s net zero emission published target? 2060
Please provide a brief description and a link to documentation explaining the Company’s commitment in
achieving net zero emission target.
The Bank supports efforts to achieve Net Zero Emission targets through policies, initiatives, and operational
practices that drive emission reductions and more responsible resource use.
E-07 Company Commitment to GHG Emission Reduction Target
Does the Company commit to reducing GHG emission? Tidak
0%
What is the Company’s GHG emission reduction target?
0 (tCO2e)
Targeted year in achieving GHG reduction target? null
Does the Listed Company has measures on monitoring in enacting climate policy?
No
Steps that have been taken and emission reductions that have been achieved compared to the previous year
Page 15
1. Managing air conditioning and lighting usage, as well as the use of Light Emitting Diode (LED) lights in several
operational areas.
2. Utilizing renewable energy sources from solar panels at the Klampis and Diponegoro Branch Offices.
3. Utilizing electric motorcycles as a substitute for fossil fuel vehicles in operational activities at several branch
offices.
4. Implementing online meetings or gatherings to reduce the use of office operational vehicles.
5. Providing green open spaces around office areas.
B. Kinerja Sosial (Social Performance)
S-01 Gender Diversity
Men Women
Job positions Number of Percentage of Percentage of
Number of employees
employees employees employees
Entry-level 2.272 38,28 % 2.272 38,28 %
Mid-level 1.263 21,28 % 738 12,43 %
Senior-level 797 13,43 % 357 6,02 %
Executive-level 263 4,43 % 155 2,61 %
Total Pegawai 90 1,52 % 3.522 59,34 %
S-02 Employees Level by Gender and Age Group
Job levels
Age group Entry-level Mid-level Senior-level Executive-level Number of
(years) employees
Men Women Men Women Men Women Men Women
18-25 2.413 59,3429 207 150 18 14 0 1 0
25-35 0 390 1.068 870 387 402 122 86 20
35-45 6 2.961 731 13 289 354 209 155 92
45-55 64 2.123 256 13 44 27 26 20 32
>55 16 434 10 1 0 0 0 1 11
S-03 Employees Turnover
Number of employees Percentage
(in reporting year) (in reporting year)
Number of employees resigned 4 Employees 27 %
Number of newly appointed
614 Employees 12,84 %
Employees
S-04 Temporary Worker
Number of employees Percentage
(in reporting year) (in reporting year)
Total company headcount held
by contractors and/or 863 Employees 18,05 %
consultants
Page 16
S-05 Employee Training and Development
Average training hour per
Total employee attending company Percentage of employee attending
employee
training program company training program (%)
(in reporting year)
1.323 hours/employee 27,67 84,1 %
S-06 Injury Rate
Frequency of work-related accidents of total
Percentage of serious work-related accidents resulting in
Employees
serious and fatal injuries from total employees (%)
(in reporting year)
4.612 78 %
S-07 Incidents Regarding Human Rights Abuse
Number of incidents regarding human rights
0
abuse (in reporting year)
Company Policy Regarding Employees
S-08 Does the company has a policy regarding sexual harassment and/or
No
non-discrimination?
Policies regarding sexual harassment and/or non-discrimination are governed by several internal
regulations, including the Company Regulations, the Code of Ethics and Conduct, and the Employee
Disciplinary Standard Operating Procedure. Bank Sinarmas maintains a zero-tolerance policy towards all
forms of discrimination, harassment, bullying, and sexual harassment. Within the Company Regulations,
sexual harassment is classified as a serious offense warranting potential termination of employment.
For more information regarding the published policies, please refer to the following link:
https://www.banksinarmas.com/id/informasiumum/tatakelola/terkait-etik-perlindungan
S-09 Does the company has a policy regarding human rights? Yes
Bank Sinarmas has formulated a Code of Ethics and Conduct, which is generally aimed at realizing
equitable treatment, upholding human rights, and demonstrating a profound sense of responsibility towards
society and the environment.
S-10 Does the company have a policy regarding child labor and/or forced
No
labor?
In accordance with the Indonesian Child Protection Law, the legal definition of a child in Indonesia is any
person under the age of 18. Bank Sinarmas is committed to not employing child labor and has established a
minimum age requirement of 18 years in the employment conditions stipulated in the Company Regulations,
Article 4.
S-11 Does the company have a company policy regarding occupational
health and safety as well as a safe working environment for all Yes
employees?
In order to safeguard the security, safety, and occupational health of Employees and thereby cultivate
optimal work productivity, Bank Sinarmas is committed to implementing comprehensive occupational safety
and health measures in accordance with prevailing laws and regulations. This commitment is explicitly
stipulated within the Company Regulations, Article 40.
Corporate Social Responsibility (CSR)
Page 17
S-12 Does the company have CSR activities, investments or donations to
Yes
the community or registered non-profit organizations?
Bank Sinarmas continues to contribute to community empowerment through various targeted and
sustainable programs. Our focus is to encourage financial literacy and inclusion, improve the quality of
education, and support social welfare through activities in health, religion, social facilities and infrastructure,
and philanthropy.
C. Governance Performance
G-01 Board Diversity and Independence
Type of Company Number of seats Seats Occupied by Seats Occupied by Seats Occupied by
Board on Company Men Women Independent Party
Commissioners 0 0 0 2
Directors 0 1 2 3
G-02 Board Meeting Attendance
Number of board meetings Percentage of board meeting
(in reporting year) attendances (in reporting year)
Director Attendance to
2 0%
Board Meetings
Comissioner Attendance to
11 94 %
Board Meetings
Other governmental-related policy
G-03 Does the company has a policy regarding separation of the
Yes
Chairman of the Board and CEO?
The Company has established the policy in question, which refers to Law No. 11 of 2020 on Job Creation,
amending Article 1 paragraphs 2, 5, and 6 of Law No. 40 of 2007 on Limited Liability Companies-specifically
Article 1 paragraphs 1, 2, 5, and 6-which affirms that the Organs of the Company comprise the General
Meeting of Shareholders, the Board of Directors, and the Board of Commissioners. Accordingly, given that
the Bank operates under a two-tier organizational structure, the Board of Commissioners is charged with
supervisory duties and the provision of advice, whereas the Board of Directors is responsible for managing
the Bank.
The policy encompasses, among other matters, the following:
1. In principle, the President Commissioner is responsible for coordinating the discharge of the supervisory
function and the provision of advice to the Board of Directors regarding the management of the Bank. The
President Commissioner ensures that the implementation of strategy, risk management, compliance, and
the application of corporate governance is conducted in accordance with prevailing regulations and the long-
term interests of the
B
2. The aPresident
n Director
k .leads the execution of all Board of Directors' duties in managing and conducting
the Bank's business activities. These duties and functions are carried out with due regard to the
effectiveness of span of control, coordination between business and supporting functions, and oversight of
strategy implementation, operational performance, risk management, and corporate governance, to
safeguard the sustainability of the Bank's business on a continuing basis.
G-04 Does the company has a policy regarding board appraisal? Yes
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The existing performance assessment policy for the Board of Directors and the Board of Commissioners
encompasses the following: Performance Assessment Procedures; the Basis and Criteria for Performance
Assessment; and the Qualitative Performance Assessment Results, which refer to the outcomes of the GCG
self-assessment.
Self-assessment.
Basis and Criteria for Performance Assessment of the Board of Commissioners
1. The structure and composition of the Board of Commissioners;
2. The effectiveness of the implementation of the work programs of the committees under the Board of
Commissioners;
3. The supervision of strategy implementation and corporate management;
4. The application of good corporate governance, and
5. The application of risk management and internal controls in addressing potential risks.
Basis and Criteria for Performance Assessment of the Board of Directors
1. The establishment of the Bank's targets;
2. The formulation of the Bank's forward-looking strategy and business plan;
3. The implementation of the Bank's management strategy, and
4. The application of internal control and risk management policies.
G-05 Does the company has a policy regarding board training and
Yes
development?
Competency Development Policy for the Board of Commissioners
Bank Sinarmas has established a policy to facilitate the Board of Commissioners' participation in a range of
competency development programs. This measure is undertaken to ensure that the Board of
Commissioners possesses the competencies required to discharge its roles and functions effectively in
support of the Bank's success and long-term sustainability.
Competency Development Policy for the Board of Directors
Bank Sinarmas has established a policy to facilitate the participation of the Board of Directors in a range of
competency development programs. This measure is undertaken to ensure that the Board of Directors
possesses the competencies required to discharge its role effectively in support of the Bank's success and
long-term sustainability.
G-06 Does the company has a criteria regarding board appointment and
Yes
re-election?
Specific Criteria for the Board of Commissioners
All members of the Board of Commissioners have successfully passed the fit-and-proper test. This
commitment reflects the Bank's compliance with Regulation No. 27/POJK of the Financial Services
Authority.03/2016 concerning the Fit and Proper Assessment for Principal Parties of Financial Services
Institutions. The relevant information has been disclosed in the Annual Report for Financial Year 2025.
Specific Criteria for the Board of Directors
All members of the Board of Directors have successfully passed the fit-and-proper test. This commitment
reflects the Bank's compliance with Financial Services Authority Regulation No. 27/POJK.03/2016
concerning the Fit and Proper Assessment for Principal Parties of Financial Services Institutions. The
relevant information has been disclosed in the Annual Report for Financial Year 2025.
G-07 Does the company has a policy regarding ethics and/or anti-
Yes
corruption?
Code of Conduct Policy
The Code of Ethics and Code of Conduct Policy serves as the fundamental guideline for the attitudes and
conduct of all members of the Bank Sinarmas community and forms an integral part of the Company's policy
framework. Every decision and action undertaken on behalf of the Company is guided by high standards of
personal and professional integrity, in accordance with applicable laws and regulations. The details of the
Page 19
Code of Ethics and Code of Conduct Policy, formulated by the Organization Development & Industrial
Relations Division-Group Human Capital Management, have been in effect since 20 September 2023 and
have been published on the Bank's website under the Investor Relations page, in the Governance-Related
Policies section.
Anti-Corruption Policy
Bank Sinarmas has implemented anti-corruption principles, as set forth in the relevant provisions of the
Company Regulations, the Code of Ethics and Code of Conduct, and the Standard Operating Procedures on
Employee Discipline. To address corruption, kickbacks, fraud, bribery, and/or gratification, the Bank has
established a series of procedures outlined in the Code of Ethics and Code of Conduct Version 2.0.
The Bank has likewise formulated business ethics and conduct standards as an integral component of its
commitment to integrity, accompanied by the development of a risk management system designed to uphold
the principles of prudence and good corporate governance.
G-08 Does the company has a policy regarding equitable treatment of
Yes
shareholders?
Fair Treatment of Shareholders
All relevant information has been disclosed in the Annual Report for Financial Year 2025. The details are set
out as follows:
Shareholders are entitled to participate in decision-making with respect to:
1. Amendments to the Articles of Association and other fundamental changes pertaining to the Bank;
2. The right to participate effectively and to cast their votes at the General Meeting of Shareholders (GMS);
and
3. The right to receive information regarding the GMS, including the items of business and agenda, the
rules, and the voting procedures.
Bank Sinarmas safeguards and facilitates the exercise of shareholders' fundamental rights, without
distinction as to ownership by class of shares, including the right to:
1. Attend and cast one vote at the
G M
2. Receive material S
and relevant ;
information in a timely manner;
3. Grant a power of attorney to another party in the event that the shareholder is unable to attend the GMS
in person;
4. Obtain the GMS materials prior to the GMS convention.
5. Cast a vote in favor of, against, or abstain on each proposed resolution on the GMS agenda; and
6. Receive equal and equitable treatment from Bank Sinarmas.
G-09 Does the company have a policy regarding the obligations of
Yes
directors/commissioners to prevent conflicts of interest?
Bank Sinarmas has a policy for its Board of Directors and the Board of Commissioners to prevent conflicts of
interest, as disclosed in the Annual Report for Financial Year 2025.
Management of Conflicts of Interest-Board of Commissioners
A conflict of interest arises when the Bank's economic interests are at odds with personal economic
interests. Accordingly, every member of the Board of Commissioners is obliged to:
1. Put the Company's interests first and refrain from any action that would diminish its financial position in
the event of a conflict of interest
2. Recuse themselves from decision-making in any situation involving a conflict of interest
3. Disclose any familial, financial, managerial, or ownership relationships with other Commissioners,
Directors, the Bank's controlling shareholders, or any other parties connected to the Company's business
and
4. Disclose any conflict of interest where a decision must nonetheless be taken under such conditions.
Management of Conflicts of Interest-Board of Directors
Conflicts of interest involving the Board of Directors are managed in accordance with the policies on
affiliated transactions, conflict-of-interest transactions, material transactions, and changes in business
Page 20
activities, as part of good corporate governance. These policies ensure that every decision is made
objectively, transparently, and independently, while prioritizing the Bank's interests and regulatory
compliance.
1. The Board of Directors must observe the fundamental principles for avoiding conflicts of interest in the
formulation and implementation of corporate governance policy, as stipulated in prevailing regulations.
2. In the event of a conflict of interest, Directors must refrain from taking any action detrimental to the Bank
or that may diminish its profitability, and must disclose such conflicts in connection with every decision
taken.
D. Other
Alignment of Sustainability/Annual Reports with ESG Metrics
Pages in the Sustainability/Annual
Kinerja Kode Metric Name
Report
E-01 Greenhouse Gas Emission Report 6
E-02 Greenhouse Gas Emission Intensity 100
E-03 Electricity Consumption 607
E-04 Water Consumption 607
Environment
E-05 Waste Generated 606
Company Commitment to Achieving Net
E-06 608
Zero Emission Target
Company Commitment to Reduce
E-07 609
Emission
S-01 Gender Equality 605
S-02 Employees by Gender and Age Group 606
S-03 Employee Turnover Rate 586
S-04 Number of Temporary Officers 83
S-05 Employee Training and Development 84
S-06 Number of Work Accidents 84
S-07 Human Rights Violation Incidents 590
Social Sexual Harassment and/or Non-
S-08 588
Discrimination Policy
S-09 Policy on Human Rights 0
S-10 Child Labor and/or Forced Labor Policy 586
Occupational Health and Safety Policy
S-11 and Safe and Secure Work Environment 586
are provided to all employees.
S-12 Corporate Social Responsibility 587
Page 21
Management Diversity and
G-01 588
Independence
Total Attendance of Directors and
G-02 593
Commissioners to Board Meetings
Chairman of the Board and CEO
G-03 219-317
Separation Policy
Board of Directors and Commissioners
G-04 310-315
Assessment Policy
Board of Directors and Commissioners
Governance G-05 307-308
Training Policy
G-06 Special Criteria for Election of the Board 309-310
G-07 Code of Ethics and/or Anti-Corruption 288-306
G-08 Fair Treatment Policy for Shareholders 281-298
G-09 Conflict of Interest Prevention Policy 442-447
Referenced International Standards and Third Party Verification
Alignment with sustainability reporting framework
X Yes No
X GRI
TCFD
CDP
IFRS S1
IFRS S2
SASB
Others, please specify
null
Third-party assurance and/or validation
X No
Thus to be informed accordingly.
Respectfully,
Bank Sinarmas Tbk
Page 22
Retno Tri Wulandari
Corporate Secretary Division Head
Bank Sinarmas Tbk
Sinar Mas Land Plaza - Menara 1 Lantai 8
Phone : 021-31990101 , Fax : 021-31990401, www.banksinarmas.com
Sender Name Retno Tri Wulandari
Function Corporate Secretary Division Head
Date and Time 30-04-2026 16:56
Attachment 1. Peny Lap Tahunan dan Keberlanjutan 2025 (OJK PPM).pdf
2. BSIM_AR_2025 (300426) Medium_OK.pdf
This is an official document of Bank Sinarmas Tbk that does not require a signature as it was generated
electronically by the electronic reporting system. Bank Sinarmas Tbk is fully responsible for the information
contained within this document.
Names mentioned 14 people and organisations named in the text · linked when the evidence is strong
unresolved
—
Emisi langsung dari pembakaran stasioner
p.1
unresolved
—
Emisi fugitive langsung
p.1
unresolved
—
Total Emisi Langsung (Scope 1)
p.1
unresolved
org
Wulandari Corporate
p.11 ×2
unresolved
—
Retno Tri Wulandari
· Corporate Secretary Division Head
p.11 ×2
unresolved
—
Direct emissions from stationary combustion
p.12
unresolved
—
Direct emissions from mobile combustion
p.12
unresolved
—
Direct emissions from processes
p.12
unresolved
—
Direct fugitive emissions
p.12
unresolved
—
Total Direct Emissions (Scope 1)
p.12
unresolved
org
Financial Services Authority
p.18 ×2
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