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2025 Laporan Keberlanjutan Sustainability Report Transformation towards a Stronger Sustainable and Inclusive Growth PT Bank KB Indonesia Tbk
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Transformation towards a Stronger Sustainable and Inclusive Growth
i Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
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Penjelasan Tema
Theme Explanation
Transformation towards
a Stronger Sustainable
and Inclusive Growth
20 Laporan Keberlanjutan
25 Sustainability Report
Seiring dengan perjalanan transformasi yang terus Along with the ongoing transformation journey, KB
berlangsung, KB Bank memperkuat fondasi bisnis Bank strengthens its business foundations as part of
sebagai bagian dari upaya membangun pertumbuhan efforts to build more sustainable and inclusive growth.
yang lebih berkelanjutan dan inklusif. Transformasi ini This transformation is aimed not only at improving
tidak hanya ditujukan untuk meningkatkan kinerja dan performance and service quality to customers, but also
kualitas layanan kepada nasabah, tetapi juga untuk at ensuring that every step in business development
memastikan bahwa setiap langkah pengembangan provides broader benefits to the community and
usaha mampu memberikan manfaat yang lebih luas contributes to environmental preservation.
bagi masyarakat serta berkontribusi pada pelestarian
lingkungan.
Laporan Keberlanjutan 2025 Sustainability Report ii
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Transformation towards a Stronger Sustainable and Inclusive Growth
Daftar Isi
Table of Contents
Penjelasan Tema ii 05 Profil Perusahaan
Company Profile
Theme Explanation
Daftar Isi 1 Identitas Bank 35
Table of Contents Bank Identity
Keterangan Perubahan Nama 37
01 Tentang Laporan Keberlanjutan
About Sustainability Report
Name Change Information
Logo Perusahaan 38
Tentang Laporan Keberlanjutan 6 Company Logo
About Sustainability Report 39
Visi dan Misi
Prinsip Pelaporan 8 Vision and Mission
Reporting Principles 40
Nilai Budaya KB Bank (ICCAN)
Perubahan Terkait Pelaporan 9 KB Bank’s Cultural Value (ICCAN)
Report Related Changes 41
Struktur Organisasi
Proses Penentuan Topik Material 9 Organizational Structure
Process for Determining Material Topics 43
Bidang Usaha, Produk, dan Jasa
Daftar Topik Material 10 Business Fields, Products and Services
List of Material Topics 46
Wilayah Operasi
Operation Area
Skala Perusahaan 47
02 Ikhtisar Keberlanjutan
Sustainability Highlights Company Scale
Struktur Kepemilikan Saham 48
Ikhtisar Kinerja Aspek Keberlanjutan 13 Shareholding Structure
Sustainability Performance Overview 49
Kepemilikan Saham
Share Ownership
Demografi Karyawan 50
03 Strategi Keberlanjutan
Sustainability Strategy Employee Demographic
Rantai Pasokan 53
Strategi Keberlanjutan Supply Chain
17
Sutainability Strategy 54
Perubahan Signifikan
Roadmap Keuangan Berkelanjutan Significant Changes
17
Sustainable Finance Roadmap 55
Penghargaan
Rencana Aksi Keuangan Berkelanjutan (RKAB) Awards
19
Sustainable Action Finance Plan (RKAB) 56
Sertifikasi
Rencana dan Realisasi Keuangan Berkelanjutan Certifications
Tahun 2025 (1 Tahun) 56
20 Keanggotaan Asosiasi
Sustainable Finance Plan and Realization for 2025
Association Membership
(1 Year)
04 Laporan Direksi
Report of The Board of Directors
Laporan Direksi 24
Board of Directors’ Report
1 Laporan Keberlanjutan 2025 Sustainability Report
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06 Tata Kelola Keberlanjutan
Sustainability Governance
Tata Kelola Keberlanjutan 59
Sustainability Governance
Komitmen Penerapan Tata Kelola 59
Commitment To Good Corporate Governance
Implementation
Prinsip Tata Kelola 59
Principles of Governance
Struktur dan Komposisi Tata Kelola Perusahaan 60
Structure and Composition of Corporate
Governance
Rapat Umum Pemegang Saham (RUPS) 61
General Meeting of Shareholders (GMS)
Kebijakan Remunerasi 63
Remuneration Policy
Evaluasi Kinerja 65
Performance Evaluation
Penanggung Jawab Penerapan Keuangan 66
Berkelanjutan 07 Kinerja Keberlanjutan
Sustainability Performance
Person in Charge of Implementing Sustainable
Finance
Menghasilkan Kinerja Optimal dan Berkelanjutan 79
Pengembangan Kompetensi Keuangan 66
Delivering Optimal and Sustainable Performance
Berkelanjutan
Menjaga Kelestarian Lingkungan 87
Sustainable Finance Competency Development
Preserving The Environment
Penilaian Risiko Atas Penerapan Keuangan 69
Mengembangkan Kompetensi Sumber Daya 95
Berkelanjutan
Sustainable Finance Risk Assessment Manusia
Implementation Developing Human Resource Competencies
69 Menyalurkan Kontribusi Kepada Masyarakat 111
Kode Etik
Code of Ethics Delivering Contributions to The Community
70 Memberikan Produk dan Layanan Terbaik 123
Benturan Kepentingan
Conflict of Interest Providing The Best Products and Services
Komunikasi Masalah Penting 70
Communication of Critical Issues
Sistem Pelaporan Pelanggaran 71 Form Umpan Balik 128
Whistleblowing System Feedback Form
Anti-Korupsi 72 Daftar Pengungkapan Sesuai Peraturan Otoritas 129
Anti-Corruption Jasa Keuangan Nomor 51/POJK.03/2017
Disclosures List in Accordance with POJK No.51
Anti-Fraud 73
POJK.03/2017
Anti-Fraud
Indeks Konten GRI Standard 2021 133
Pelibatan Pemangku Kepentingan 73
GRI Standard Content Index 2021
Stakeholder Engagement
Tantangan dan Permasalahan dalam Penerapan 76
Keuangan Berkelanjutan
Challenges and Issues in The Implementation of
Sustainable Finance
Laporan Keberlanjutan 2025 Sustainability Report 2
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Transformation towards a Stronger Sustainable and Inclusive Growth
3 Laporan Keberlanjutan 2025 Sustainability Report
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Tentang Laporan Keberlanjutan About The Sustainability Report
Tentang Laporan
Keberlanjutan
About Sustainability Report
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Transformation towards a Stronger Sustainable and Inclusive Growth
5 Laporan Keberlanjutan 2025 Sustainability Report
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Tentang Laporan Keberlanjutan About The Sustainability Report
Tentang Laporan Keberlanjutan
About Sustainability Report
PT Bank KB Indonesia Tbk (“KB Bank”) PT Bank KB Indonesia Tbk (“KB Bank”)
menyusun Laporan Keberlanjutan sebagai prepares the Sustainability Report as a
bentuk kepatuhan terhadap Peraturan form of compliance with Financial Services
Otoritas Jasa Keuangan No. 51/POJK.03/2017 Authority Regulation No. 51/POJK.03/2017
mengenai penerapan keuangan berkelanjutan on the implementation of sustainable finance
bagi lembaga jasa keuangan, emiten, dan for financial service institutions, issuers,
perusahaan publik. Sebagai Bank yang and public companies. As a Bank classified
tergolong dalam kelompok KBMI II, KB Bank under the KBMI II category, KB Bank
telah mengimplementasikan ketentuan has implemented these provisions since
tersebut sejak 1 Januari 2019. January 1, 2019.
Laporan ini merupakan publikasi ketujuh, This report is the seventh publication, which
yang telah diterbitkan setiap tahun dan has been issued annually and forms part of
menjadi bagian dari Laporan Tahunan. [GRI 2-3] the Annual Report. [GRI 2-3]
• Peraturan Otoritas Jasa Keuangan No. 51/POJK.03/2017 tentang Penerapan Keuangan
Berkelanjutan Bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
Financial Services Authority Regulation No. 51/POJK.03/2017 on the Implementation of
Sustainable Finance for Financial Service Institutions, Issuers, and Public Companies
Standar dan • Surat Edaran Otoritas Jasa Keuangan No.16/SEOJK.04/2021 tentang Bentuk dan Isi
Pedoman Laporan Tahunan Emiten atau Perusahaan Publik
Standards and Financial Services Authority Circular No. 16/SEOJK.04/2021 on the Form and Content
Guidelines of the Annual Report of Issuers or Public Companies
• Standar Global Reporting Initiative (GRI Standards) sebagai acuan (In Accordance)
Global Reporting Initiative (GRI Standards) as the reference (In Accordance
• Pernyataan Standar Akuntansi Keuangan (PSAK) Indonesia
The Indonesian Financial Accounting Standards Statement (PSAK)
• Diterbitkan setiap tahun
Siklus dan Periode Published annually
Pelaporan [GRI 2-3] • Periode pelaporan 1 Januari 2025 sampai 31 Desember 2025
Reporting Cycle Reporting period from January 1, 2025, to December 31, 2025
and Period [GRI 2-3] • Laporan sebelumnya diterbitkan pada bulan April 2025
The previous report was published in April 2025
Laporan ini mencakup kegiatan Kantor Pusat PT Bank KB Indonesia Tbk di Jakarta
dan berbagai kegiatan yang dilakukan oleh semua cabang Bank. Selain kinerja aspek
Cakupan dan
ekonomi, laporan berisi tentang kinerja aspek lingkungan dan sosial Bank.
Batasan [GRI 2-2]
This report covers the activities of the Head Office of PT Bank KB Indonesia Tbk in
Scope and
Jakarta, as well as various activities carried out by all Bank branches. In addition
Limitation [GRI 2-2] to economic performance, the report also includes the Bank’s environmental and
social performance.
Laporan Keberlanjutan 2025 Sustainability Report 6
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Transformation towards a Stronger Sustainable and Inclusive Growth
• KB Bank belum menggunakan verifikasi (assurance) dari pihak eksternal. Adapun proses verifikasi
dilakukan secara internal di mana informasi dan data dalam laporan ini telah melewati proses telaah
secara berjenjang sehingga akurasi dan validitasnya dapat dibuktikan dan dipastikan.
KB Bank has not yet engaged external verification (assurance). The verification process is conducted
Verifikasi Eksternal internally, whereby the information and data in this report have undergone a tiered review process to
[OJK G.1][GRI 2-5] ensure and substantiate their accuracy and validity.
External Verification • Semua informasi yang berkaitan dengan kinerja ekonomi KB Bank merujuk pada Laporan Keuangan
[OJK G.1][GRI 2-5] yang telah melewati proses audit oleh pihak ketiga independen yaitu Mirawati Sensi Idris (Firma
anggota dari jaringan Moore Indonesia).
All information related to KB Bank’s economic performance refers to the Financial Statements that
have been audited by an independent third party, namely Mirawati Sensi Idris (a member firm of Moore
Indonesia network).
Penyajian Kembali [GRI 2-4] Tidak terdapat penyajian kembali dalam Laporan Keberlanjutan 2025.
Restatement [GRI 2-4] There were no restatements in the 2025 Sustainability Report.
Tanggapan Umpan Balik
Laporan Sebelumnya [OJK G.3] KB Bank tidak mendapatkan tanggapan umpan balik dari laporan sebelumnya.
Response to Feedback from KB Bank did not receive any feedback from the previous report.
the Previous Report [OJK G.3]
Sekretaris Perusahaan | Corporate Secretary
Kantor Pusat PT Bank KB Indonesia Tbk | Head Office of PT Bank KB Indonesia Tbk
Aksesibilitas dan Umpan Balik Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770
Accessibility and Feedback Telepon | Phone: +6221 7988266, 7989837
Surat Elektronik | Email: corsec@kbbank.co.id
Website: https://www.kbbank.co.id/
7 Laporan Keberlanjutan 2025 Sustainability Report
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Tentang Laporan Keberlanjutan About The Sustainability Report
Prinsip Pelaporan
Reporting Principles
Laporan kami susun dengan merujuk pada delapan Our report is prepared with reference to the eight
prinsip pelaporan sebagaimana ditentukan dalam GRI 1: reporting principles as set out in GRI 1: Foundation 2021
Landasan 2021 sebagai berikut: as follows:
1. Akurasi 1. Accuracy
Bank melaporkan informasi yang benar dan cukup The Bank reports information that is truthful and
terperinci agar dapat dilakukan penilaian dampak well-detailed to allow for an assessment of the
organisasi. organization’s impacts.
2. Keseimbangan 2. Balance
Bank melaporkan informasi dengan cara netral dan The Bank reports information in a neutral
menyediakan gambaran yang seimbang tentang manner and provides a balanced picture of the
dampak negatif dan positif organisasi. organization’s positive and negative impacts.
3. Kejelasan 3. Clarity
Bank menyajikan informasi dengan cara yang The Bank presents information in a way that is
dapat diakses dan dapat dipahami. accessible and understandable.
4. Keterbandingan 4. Comparability
Bank memilih, menyusun, dan melaporkan informasi The Bank selects, organizes, and reports
secara konsisten agar mereka dapat melakukan information consistently to allow for analysis of
analisis mengenai perubahan dalam dampak changes in the organization’s impacts over time
organisasi seiring waktu dan analisis dampak ini and analysis of these impacts in relation to the
yang berkaitan dengan dampak organisasi lain. impacts of other organizations.
5. Kelengkapan 5. Completeness
Bank menyediakan informasi yang memadai agar The Bank provides sufficient information to allow
penilaian dampak organisasi dapat dilakukan for an assessment of the organization’s impacts
selama periode pelaporan. during the reporting period.
6. Konteks keberlanjutan 6. Sustainability context
Bank melaporkan informasi tentang dampak mereka The Bank reports information about its impacts in
dalam konteks yang lebih luas dari pembangunan the broader context of sustainable development.
berkelanjutan.
7. Ketepatan waktu 7. Timeliness
Bank melaporkan informasi secara rutin dan The Bank reports information regularly and
menyediakan informasi tersebut secara tepat provides the information in a timely manner
waktu bagi pengguna informasi untuk mengambil for users of the information to make decisions.
keputusan.
8. Keterverifikasian 8. Verifiability
Bank mengumpulkan, mencatat, menyusun, dan The Bank collects, records, compiles, and analyzes
menganalisis informasi dengan cara sedemikian information in such a way that the information can
rupa sehingga informasi tersebut dapat diteliti be scrutinized to determine its quality.
untuk menentukan kualitasnya.
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Transformation towards a Stronger Sustainable and Inclusive Growth
Perubahan Terkait Laporan [GRI 3-1] Report Related Changes [GRI 3-1]
Pada Laporan Keberlanjutan 2025, KB Bank tidak In the 2025 Sustainability Report, KB Bank did not
melakukan perubahan terhadap topik material. make any changes to the material topics. This decision
Keputusan ini diambil setelah peninjauan kembali atas was taken following a review of the previous year’s
topik material tahun sebelumnya dengan melibatkan material topics, involving both internal and external
pemangku kepentingan internal dan eksternal, selaras stakeholders, in alignment with the guidance of the
dengan panduan GRI Universal Standards 2021. GRI Universal Standards 2021.
Proses tersebut memungkinkan KB Bank untuk terus This process enabled KB Bank to continuously evaluate
mengevaluasi dampak yang dihasilkan sekaligus the impacts generated while ensuring that the material
memastikan bahwa topik material yang disajikan topics presented continue to represent the issues with
tetap merepresentasikan isu dengan pengaruh paling the most significant influence on economic, social, and
signifikan terhadap kinerja ekonomi, sosial, dan environmental performance throughout the reporting
lingkungan sepanjang tahun pelaporan. year.
Proses Penentuan Topik Material Process for Determining
Material Topics
Sebanyak 13 topik material yang diungkapkan dalam A total of 13 material topics disclosed in the 2025
Laporan Keberlanjutan 2025 telah melalui proses Sustainability Report have undergone a review process
peninjauan bersama pemangku kepentingan internal involving both internal and external stakeholders and
dan eksternal, serta memperoleh persetujuan Direksi. have received approval from the Board of Directors.
Topik-topik tersebut mencerminkan isu prioritas yang These topics reflect priority issues considered most
dinilai paling relevan terhadap keberlangsungan bisnis relevant to KB Bank’s business sustainability and serve
KB Bank sekaligus menjadi dasar dalam penyusunan as the basis for formulating strategies and disclosing
strategi dan pengungkapan kinerja keberlanjutan. sustainability performance. The list of the Company’s
Adapun daftar topik material Perseroan tahun 2025 material topics for 2025 is as follows:
adalah sebagai berikut:
Mengidentifikasi dan menilai dampak secara berkesinambungan Menentukan topik material untuk pelaporan
Identify and assess impacts on an ongoing basis Determine material topics for reporting
Melibatkan berbagai pemangku Menguji topik material dengan
kepentingan dan pakar yang relevan pakar dan pengguna informasi
Involve relevant stakeholders and experts Test material topics with experts
and information users
1 2 3 4
Topik Material
Material Topics
Memahami Mengidentifikasi Menilai
Memprioritaskan dampak
konteks dampak aktual signifikansi
paling signifikansi untuk
organisasi dan potensial dampak
pelaporan
Understand Identify actual and Assess the
Prioritize the most significant
context potential impacts significance of
impacts for reporting
organization the impact
Menggunakan Mempertimbangkan
standar sektor untuk topik dan dampak
Menguji topik material terhadap
memahami konteks yang dideskripsikan
topik dalam Standar Sektor
sektor dalam standar sektor
Test the material topics against
Use Sector Standards Considers the topics
to understand sector and impacts described topics in the Sector Standards
context in the Sector Standards
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Tentang Laporan Keberlanjutan About The Sustainability Report
Daftar Topik Material [GRI 3-2]
List of Material Topics [GRI 3-2]
Topik Material Mengapa Topik Ini Material Nomor Pengungkapan
Material Topics Why The Topic Is Material Disclosure Number
Aspek Ekonomi
Economic Aspects
Kinerja Ekonomi Menggambarkan pencapaian dan kinerja KB Bank selama tahun pelaporan. 201-1
Economic Performance Describes KB Bank's achievements and performance during the reporting year. 201-2
201-3
201-4
Keberadaan Pasar Menggambarkan komitmen KB Bank terhadap hak normatif dalam pengupahan.
202-1
Economic Performance Describes KB Bank's commitment to normative rights in wages.
Dampak Ekonomi Menggambarkan manfaat atas keberadaan KB Bank bagi masyarakat.
Tidak Langsung Describes the benefits of KB Bank's existence for the community. 203-1, 203-2
Indirect Economic Impact
Praktik Pengadaan Menggambarkan komitmen KB Bank terhadap keberadaan pemasok lokal.
204-1
Procurement Practices Describes KB Bank's commitment to the existence of local suppliers.
Anti Korupsi Menggambarkan komitmen KB Bank terhadap Tindakan korupsi yang
Anti-Corruption berpotensi mencemarkan nama baik Perusahaan.
205-1, 205-2, 205-3
Describes KB Bank's commitment to corruption acts that has the potential to
tarnish KB Bank's good name.
Aspek Lingkungan
Environmental Aspects
Energi Menggambarkan kepedulian KB Bank terhadap pengelolaan energi yang
Energy ketersediaannya kian terbatas. 302-1, 302-2, 302-3,
Describes KB Bank's concern for energy management, the availability of which 302-4, 302-5
is increasingly limited.
Air dan Efluen Menggambarkan kepedulian KB Bank terhadap pengelolaan sumber daya air
Water and Effluents yang ketersediaannya kian terbatas. 303-1, 303-2, 303-3,
Describes KB Bank's concern for the management of water resources whose 303-4, 303-5
availability is increasingly limited.
Emisi Menggambarkan Komitmen KB Bank terhadap pengurangan emisi. 305-1, 305-2, 305-3,
Emission Describes KB Bank's Commitment to Emission Reduction. 305-4, 305-5, 305-6, 305-7
Aspek Sosial
Social Aspects
Kepegawaian Menggambarkan komitmen KB Bank dalam pengelolaan pegawai.
401-1, 401-2, 401-3
Employment Describes KB Bank's commitment to employee management.
Kesehatan dan Menggambarkan komitmen KB Bank dalam menyediakan tempat kerja yang 403-1, 403-2, 403-3,
Keselamatan kerja aman dan nyaman dan patuh terhadap protokol kesehatan. 403-4, 403-5, 403-6,
Occupational Health Describes KB Bank's commitment to providing a safe and comfortable 403-7, 403-8, 403-9,
and Safety workplace and complying with health protocols. 403-10
Pelatihan dan Pendidikan Menggambarkan komitmen KB Bank dalam upaya meningkatkan kompetensi
Training and Education pekerja. 404-1, 404-2, 404-3
Describes KB Bank's commitment to improving employee competency.
Keanekaragaman Menggambarkan komitmen KB Bank dalam menghargai keberagaman dan
dan Kesempatan Setara kesetaraan untuk maju dan berkembang
405-1, 405-2
Training and Education Describes KB Bank's commitment to respecting diversity and equality to
advance and develop
Privasi Pelanggan Menggambarkan komitmen KB Bank dalam menjaga kerahasiaan data
Customer Privacy pelanggan
418-1
Describes KB Bank's commitment to maintaining the confidentiality of customer
data
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Ikhtisar Keberlanjutan Sustainability Highlights
Ikhtisar
Keberlanjutan
Sustainability Highlights
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Ikhtisar Kinerja Aspek Keberlanjutan
Sutainability Performance Overview
Deskripsi Satuan
2025 2024 2023
Description Unit
Kinerja Aspek Ekonomi
Economic Aspect Performance [OJK B.1]
Pelibatan pemasok lokal (barang dan jasa) dalam proses bisnis Perusahaan/
keuangan berkelanjutan mitra
180 104 125
Involvement of local suppliers (goods and services) in sustainable Company/
financial business processes partner
Pendapatan Operasional Bank*) Rp miliar
5.437 5.420 4.862
Bank Operating Income*) IDR Billion
Laba (Rugi) Bersih Bank*) Rp miliar
66.588 (6.329) (6.056)
Bank Net Profit (Loss)*) IDR Billion
Kinerja Aspek Ekonomi terkait Keberlanjutan
Economic Aspects Performance related to Sustainability
Nominal produk dan/atau jasa yang memenuhi Kriteria Kegiatan
Usaha Berkelanjutan (KKUB) Triliun Rupiah
3,93 4,03 4,55
Nominal value of products and/or services that meet the Sustainable IDR Trillion
Business Activity Criteria (KKUB)
Persentase total portofolio kegiatan usaha berkelanjutan terhadap total portofolio (%)
Percentage of total portfolio of sustainable business activities to total portfolio (%)
Penyaluran Dana Persen
8,83% 10,35% 11,45%
Distribution of Funds Percent
Kinerja Keuangan Inklusif**)
Inclusive Financial Performance**)
Perkembangan Laku pandai:
Development of Branchless Banking:
a. Jumlah Agen Agen
2.847 2.847 2.847
a. Number of Agents Agent
b. Nominal produk dan/atau jasa yang disediakan oleh Agen Jutaan Rupiah
185 184 306
b. Nominal value of products and/or services provided by the Agent IDR Million
Kinerja Aspek Lingkungan
Environmental Aspect Performance [OJK B.2]
Total Penggunaan Energi
GJ 64.481 69.217,6 94.422,8
Energi Usage
Penggunaan Air Meter kubik
158.214 157.655 303.394
Water Usage Cubic meter
Total Emisi yang Dihasilkan
KgCO2 13.088.725 13.941.378 18.846.735
Total Emissions Generated
Pengurangan Emisi yang Dihasilkan
KgCO2 825.653 4.905.357 -
Generated Emissions Reduction
Total Timbulan Sampah
Kg 1.110.130 1.180.990 1.778.084
Total Waste Generated
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Ikhtisar Keberlanjutan Sustainability Highlights
Deskripsi Satuan
2025 2024 2023
Description Unit
Kinerja Aspek Sosial
Social Aspect Performance [OJK B.3]
Wanita (Orang)
Kepala Kantor Cabang Wanita
Female 16 11 6
Women Branch Office Heads
(People)
Rata-rata jam pelatihan karyawan Jam per Tahun
79 133 237
Average hours of employee training Hours per Year
Realisasi dana CSR Rp Juta
957 706 758
Realization of CSR funds IDR Million
Tingkat Kepuasan Nasabah
% 99,19 99,09 98,31
Customer Satisfaction Level
*) Data diambil dari Laporan Tahunan Bank *) Data taken from Bank Annual Report
**) Data diambil dari Laporan Laku Pandai **) Data taken from the Branchless Banking Report
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Strategi Keberlanjutan Sustainability Strategy
Strategi
Keberlanjutan
Sustainability Strategy
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Strategi Keberlanjutan [OJK A.1][GRI 2-23]
Sustainability Strategy [OJK A.1][GRI 2-23]
Strategi keberlanjutan KB Bank disusun untuk KB Bank’s sustainability strategy is formulated to
mengintegrasikan prinsip keberlanjutan ke dalam integrate sustainability principles into its business
kegiatan usaha sekaligus memperkuat ketahanan activities while strengthening long-term business
bisnis jangka panjang. Dalam pelaksanaannya, KB Bank resilience. In its implementation, KB Bank refers to
berpedoman pada Roadmap Keuangan Berkelanjutan the Sustainable Finance Roadmap as the foundation
sebagai landasan dalam pengambilan keputusan, for decision-making, risk management, and value
pengelolaan risiko, serta menciptakan nilai yang creation that balances economic, social, and
seimbang antara aspek ekonomi, sosial, dan lingkungan. environmental aspects.
Implementasi strategi tersebut dituangkan The implementation of this strategy is outlined in
dalam Rencana Aksi Keuangan Berkelanjutan the Sustainable Finance Action Plan (RAKB), which
(RAKB) yang memuat program prioritas dan contains priority programs and strategic initiatives
inisiatif strategis guna memastikan penerapan to ensure that the implementation of sustainable
keuangan berkelanjutan berjalan secara terukur finance is measurable and aligned with KB Bank’s
dan selaras dengan arah pertumbuhan KB Bank. growth direction. To support its implementation, KB
Untuk mendukung pelaksanaannya, KB Bank Bank established four main pillars within the RAKB as
menetapkan empat pilar utama dalam RAKB sebagai the transformation focus toward a more sustainable
fokus transformasi menuju praktik perbankan yang lebih banking practices and contributing to inclusive and
berkelanjutan dan berkontribusi pada pembangunan environmentally friendly economic development.
ekonomi yang inklusif dan ramah lingkungan.
Roadmap Keuangan Berkelanjutan Sustainable Finance Roadmap
KB Bank telah menjalankan Roadmap Keuangan KB Bank has implemented the Sustainable Finance
Berkelanjutan Otoritas Jasa Keuangan (OJK) dalam Roadmap issued by the Financial Services Authority
beberapa tahap. Pada Roadmap tahap pertama, (OJK) in several phases. In the first phase of the
KB Bank telah menghasilkan beberapa inisiatif yang Roadmap, KB Bank has introduced several initiatives
menjadi fondasi bagi perubahan pola pikir pelaku that laid the foundation for transforming the mindset
usaha. Salah satunya memperkenalkan delapan prinsip of business actors. One of these initiatives was the
Keuangan Berkelanjutan yang menjadi acuan lembaga introduction of eight Sustainable Finance principles,
jasa keuangan dalam implementasi Rencana Keuangan which serve as guidelines for financial services
Berkelanjutan, sebagai berikut: institutions in implementing the Sustainable Finance
Plan, as follows:
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Strategi Keberlanjutan Sustainability Strategy
Strategi dan praktik
Investasi
bisnis berkelanjutan
bertanggung jawab
Sustainable business
Responsible investment
strategy and practice
Pengelolaan risiko sosial
dan lingkungan hidup Tata kelola
Management of social and Governance
environmental risks
Prinsip Keuangan
Berkelanjutan
Principles of
Sustainable Finance
Komunikasi
yang informatif Inklusif
Informative Inclusive
communication
Pengembangan sektor
Koordinasi dan kolaborasi
unggulan prioritas
Coordination and
Development of priority
collaboration
sectors
Berdasarkan pedoman tersebut, KB Bank telah Based on these guidelines, KB Bank has established
menetapkan 4 pilar utama dalam Rencana Keuangan 4 main pillars within its Sustainable Finance Plan, with
Berkelanjutan dengan tujuan, yaitu: the following objectives:
1. KB Bank Untuk Negeri bertujuan untuk mendukung 1. KB Bank Untuk Negeri KB Bank For The Nation
penyaluran kredit program pemerintah, aims to support the distribution of government
inklusi keuangan, dan peningkatan kualitas SDM program loans, promote financial inclusion, and
anak-anak Indonesia. improve the quality of human resources among
Indonesian children.
2. KB Bank Care bertujuan untuk meningkatkan 2. KB Bank Care aims to enhance the awareness
kepedulian insan KB Bank terhadap lingkungan and commitment of KB Bank personnel toward
hidup dan sumber daya alam dalam setiap langkah environmental protection and natural resource
kegiatan bisnis dan operasional Bank. sustainability in every aspect of the Bank’s
business and operational activities.
3. KB Bank Dari Kita Untuk Kita bertujuan untuk 3. KB Bank Dari Kita Untuk Kita aims to support the
mendukung pengembangan SDM internal KB Bank development of high-quality and competitive
yang berkualitas dan berdaya saing. internal human resources within KB Bank.
4. KB Bank Satu bertujuan untuk meningkatkan 4. KB Bank Satu aims to strengthen organizational
penyesuaian organisasi dengan alignment by incorporating sustainable social and
mempertimbangkan aspek berkelanjutan terkait environmental considerations.
sosial dan lingkungan hidup.
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Selanjutnya, KB Bank melaksanakan Roadmap Furthermore, KB Bank implements the Sustainable
Keuangan Berkelanjutan Tahap II (2021-2025) yang Finance Roadmap Phase II (2021–2025), which
berfokus pada penciptaan ekosistem keuangan focuses on establishing a comprehensive sustainable
berkelanjutan secara komprehensif dengan melibatkan finance ecosystem by involving all relevant parties
seluruh pihak terkait dan mendorong pengembangan and promoting the development of partnerships with
kerja sama dengan pihak lain. other parties.
Berikut adalah Prioritas Pengembangan Roadmap The Development Priorities for Roadmap Phase II are
Tahap II: as follows:
1. Pengembangan taksonomi keberlanjutan yang 1. Development of a sustainability taxonomy aimed
bertujuan mengklasifikasikan aktivitas pembiayaan at classifying sustainable financing and investment
dan investasi berkelanjutan di Indonesia. activities in Indonesia.
2. Implementasi aspek LST (Lingkungan, Sosial, 2. Implementation of ESG (Environmental, Social,
dan Tata Kelola) ke dalam manajemen risiko and Governance) aspects into risk management
dengan tujuan meningkatkan daya tahan serta with the objective of strengthening resilience and
mitigasi risiko lingkungan dan sosial yang dapat mitigating environmental and social risks that may
mempengaruhi proses bisnis industri keuangan. affect the financial industry’s business processes.
3. Pengembangan program riil dimaksudkan untuk 3. Development of real programs is intended to
memberikan contoh sukses pengembangan inovatif provide successful examples of innovative green
skema hijau sehingga meningkatkan peran industri scheme development, thereby increasing the role
keuangan dalam pembiayaan berkelanjutan. of the financial industry in sustainable financing.
4. Inovasi produk dan layanan keuangan berkelanjutan 4. Innovation in sustainable financial products and
dalam rangka mempercepat industri keuangan services in order to accelerate the financial
bertransisi ke arah berkelanjutan dilakukan dengan industry’s transition toward sustainability is carried
mengembangkan skema inovatif pembiayaan/ out by developing innovative financing/funding
pendanaan proyek berkelanjutan. schemes for sustainable projects.
Rencana Aksi Keuangan Berkelanjutan Sustainable Finance Action Plan
(RAKB) [GRI 2-24] (RAKB) [GRI 2-24]
Sebagai bagian dari industri jasa keuangan di Indonesia, As part of the financial services industry in Indonesia, KB
KB Bank menyusun dan mengimplementasikan Bank prepares and implements a Sustainable Finance
Rencana Aksi Keuangan Berkelanjutan (RAKB) sesuai Action Plan (RAKB) in compliance with POJK No. 51/
ketentuan POJK No. 51/POJK.03/2017 tentang POJK.03/2017 on the implementation of sustainable
penerapan keuangan berkelanjutan bagi lembaga jasa finance for financial services institutions, issuers, and
keuangan, emiten, dan perusahaan publik. Regulasi ini public companies. The regulation emphasizes the
menegaskan pentingnya integrasi aspek keberlanjutan importance of integrating sustainability aspects into
dalam strategi bisnis perbankan. the banking business strategy.
Penyusunan RAKB mengacu pada format yang The structure and content of RAKB refer to the
ditetapkan dalam Lampiran I POJK 51/2017 serta format in Appendix I of POJK 51/2017 and the
pedoman teknis yang diterbitkan OJK pada tahun technical guidelines issued by OJK in 2018. These
2018, yang memberikan arahan praktis bagi perbankan guidelines provide practical directions for the banking
dalam merancang dan menjalankan program keuangan industry to prepare and implement RAKB effectively.
berkelanjutan secara efektif. Dalam pelaksanaannya, In its implementation, KB Bank also consistently
KB Bank juga secara konsisten menyusun dan prepares and submits the RAKB Report to OJK as a
menyampaikan Laporan RAKB kepada OJK sebagai form of compliance with regulatory requirements as
bentuk kepatuhan terhadap ketentuan regulator well as the Company’s commitment to supporting the
sekaligus komitmen Perseroan dalam mendukung implementation of sustainable finance.
penerapan keuangan berkelanjutan.
Adapun RAKB tahun 2025 disusun untuk mendukung The 2025 RAKB was prepared to support the
pencapaian target Rencana Bisnis Bank (RBB) 2025- achievement of the Bank Business Plan (RBB) 2025–
2027 sekaligus mengintegrasikan prinsip keberlanjutan 2027 targets while integrating sustainability principles
dalam aspek ekonomi, sosial, dan lingkungan. in the economic, social, and environmental sectors.
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Strategi Keberlanjutan Sustainability Strategy
Rencana dan Realisasi Keuangan Berkelanjutan Tahun 2025 (1 Tahun)
Sustainable Finance Plan and Realization for 2025 (1 Year)
POJK Keuangan
Rencana Program Bank Tahun 2025 (1 tahun) Realisasi
Berkelanjutan
Bank Program Plan for 2025 (1 Year) Realization
Sustainable Finance POJK
Pengembangan Produk • Pengembangan bisnis dengan fokus pada • Penyaluran kredit KUR hingga Desember 2025 dengan
dan/atau Jasa keuangan pembiayaan ramah lingkungan serta mendukung OS Rp54,8 miliar dengan jumlah debitur sebanyak
Berkelanjutan inklusi keuangan 352 debitur.
• Literasi Keuangan Berkelanjutan • Memberikan edukasi dan pengenalan mengenai produk
• Efisiensi & Implementasi Green Banking serta jasa perbankan melalui berbagai portal media
online untuk meningkatkan pemahaman masyarakat
dan mendorong minat menjadi nasabah.
• Melaksanakan kegiatan literasi keuangan, antara lain
seminar di Universitas Esa Unggul dan sesi Berbagi
Inspirasi di Kelas Tirto.
• Melaksanakan berbagai kegiatan Corporate Social
Responsibility (CSR) di bidang sosial, lingkungan,
pendidikan dan keagamaan.
Development of • Business development with a focus on • KUR loan disbursement until December 2025
Sustainable Financial environmentally friendly financing and with an OS reached IDR 54.8 billion with a total of
Products and/or Services supporting financial inclusion 352 borrowers.
• Sustainable Finance Literacy • Providing education and introduction to banking
• Efficiency & Implementation of Green Banking products and services through various online
media portals to enhance public understanding and
encourage interest in becoming customers.
• Conducting financial literacy activities, including
a seminar at Esa Unggul University and a Sharing
Inspiration session at Kelas Tirto.
• Carrying out various Corporate Social Responsibility
(CSR) activities in the social, environmental,
educational, and religious sectors.
Pengembangan Penajaman dan penguatan organisasi SDM • Mengikutsertakan karyawan dalam berbagai pelatihan
Kapasitas Internal Bank dan seminar terkait keuangan berkelanjutan yang
diselenggarakan oleh regulator.
• Mengadakan pelatihan internal, termasuk Climate Risk
Management & Scenario Analysis Perbankan.
Development of the Sharpening and strengthening of the human • Involving employees in various training programs and
Bank’s Internal Capacity resources organization seminars related to sustainable finance organized by
the regulator.
• Conducting internal training, including Climate Risk
Management & Banking Scenario Analysis.
Penyesuaian organisasi, Perbaikan kualitas struktur bisnis dan Melaksanakan Climate Risk Stress Test (CRST) terhadap
manajemen risiko, tata kelola, pengembangan bisnis proses berlandaskan 50% portofolio kredit per posisi Desember 2024.
dan/atau standar prosedur digitalisasi
operasional
Adjustment of organizational Improvement of business structure quality and Conducting a Climate Risk Stress Test (CRST) on 50% of
structure, risk management, development of business processes based on the loan portfolio as of December 2024.
governance, and/or standard digitalization
operating procedures
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Laporan Direksi Report of The Board of Directors
Laporan Direksi
Report of The Board of Directors
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Transformation towards a Stronger Sustainable and Inclusive Growth
Kunardy
Darma, Lie
Direktur Utama
President Director
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Laporan Direksi Report of The Board of Directors
Laporan Direksi
Report of The Board of Directors [OJK D.1][GRI 2-22]
Pemangku kepentingan yang terhormat,
Dear valued stakeholders,
Sepanjang tahun 2025, KB Bank terus melanjutkan Throughout 2025, KB Bank continued advancing
perjalanan transformasi yang bertujuan memperkuat its transformation journey aimed at strengthening
fondasi bisnis sekaligus mendorong pertumbuhan its business fundamentals while fostering more
yang lebih berkelanjutan dan inklusif. Namun, upaya sustainable and inclusive growth. However, KB Bank’s
transformasi KB Bank tidak hanya berfokus pada transformation efforts were not solely focused on
peningkatan performa perusahaan dan pengalaman enhancing corporate performance and customer
nasabah, tetapi juga pada penciptaan nilai yang lebih experience, but also on creating broader value for
luas bagi masyarakat serta kontribusi nyata terhadap society and delivering tangible contributions to
keberlanjutan lingkungan. environmental sustainability.
Pada tahun ini, KB Bank berhasil menyelesaikan This year, KB Bank successfully completed a key
fase transformasi penting yang dikenal sebagai transformation phase known as “Deep Change,”
“Deep Change”, yaitu periode perubahan yang menjadi a period of change that serves as the foundation
landasan bagi penguatan tata kelola perusahaan, for strengthening corporate governance, enhancing
peningkatan transparansi, serta pengelolaan bisnis transparency, and fostering more sustainable business
yang lebih berkelanjutan. Penyelesaian fase ini menjadi management. The completion of this phase represents
fondasi penting bagi KB Bank dalam membangun an important foundation for KB Bank in building a more
organisasi yang lebih tangguh dan adaptif terhadap resilient and adaptive organization in response to the
dinamika industri perbankan. dynamics of the banking industry.
Di tengah berbagai tekanan operasional dan dinamika Amid various operational pressures and both global
ekonomi global maupun domestik, KB Bank mampu and domestic economic dynamics, KB Bank was able
menjaga kinerja yang solid sepanjang tahun 2025. Posisi to maintain solid performance throughout 2025. Strong
permodalan dan likuiditas yang kuat menjadi faktor capital and liquidity positions were key factors in
utama dalam menjaga stabilitas KB Bank, sekaligus maintaining KB Bank’s stability, while also supporting
mendukung kemampuan Bank untuk melakukan the Bank’s ability to expand lending in a prudent manner
ekspansi kredit secara sehat serta mengelola risiko and manage risks sustainably. With this foundation, KB
secara berkelanjutan. Dengan fondasi tersebut, KB Bank Bank continues to move forward in strengthening its
terus melangkah maju untuk memperkuat peran sebagai role as a financial institution that is not only oriented on
institusi keuangan yang tidak hanya berorientasi pada business growth, but also on creating long-term value
pertumbuhan bisnis, tetapi juga pada penciptaan nilai for all stakeholders.
jangka panjang bagi seluruh pemangku kepentingan.
Kebijakan Merespon Tantangan Sustainability Challenge Response
Keberlanjutan Policy
Dalam menjalankan strategi keberlanjutan, KB Bank In implementing its sustainability strategy, KB Bank
menghadapi berbagai tantangan baik dari sisi internal faces various challenges from both internal and
maupun eksternal. Dari sisi internal, KB Bank menyadari external aspects. From an internal perspective, KB Bank
pentingnya membangun budaya efisiensi di seluruh recognizes the importance of fostering a culture of
organisasi. KB Bank juga terus memperkuat penerapan efficiency across the organization. KB Bank continues
prinsip Environmental, Social, and Governance (ESG), to strengthen the implementation of Environmental,
mengingat pemahaman internal terkait konsep Social, and Governance (ESG) principles, considering
keberlanjutan masih terus berkembang di berbagai that internal understanding of sustainability concepts
unit kerja. is still evolving across various business units.
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Transformation towards a Stronger Sustainable and Inclusive Growth
Di sisi eksternal, tantangan juga muncul dari kondisi From an external perspective, challenges also arise
makroekonomi yang belum sepenuhnya stabil, from macroeconomic conditions that have not yet
yang berdampak pada perlambatan pertumbuhan fully stabilized, which have impacted the slowdown in
kredit di industri perbankan. Pada saat yang sama, credit growth within the banking industry. At the same
perkembangan regulasi dan standar keberlanjutan time, the development of sustainability regulations and
terus mengalami dinamika sehingga mendorong KB standards continues to evolve, prompting KB Bank to
Bank untuk secara proaktif menyesuaikan kebijakan proactively adjust its policies and business practices.
dan praktik bisnis.
Tantangan lainnya juga tercermin dari masih terbatasnya Other challenges are also reflected in the still limited level
tingkat literasi keuangan masyarakat. Berdasarkan hasil of public financial literacy. Based on the results of the
Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2025 National Survey of Financial Literacy and Inclusion
2025 yang dilakukan oleh Otoritas Jasa Keuangan (SNLIK) conducted by the Financial Services Authority
(OJK) dan Badan Pusat Statistik (BPS), tingkat (OJK) and the Central Statistics Agency (BPS), the
literasi keuangan nasional tercatat sebesar 66,46%. national financial literacy rate was recorded at 66.46%.
Angka ini masih menunjukkan adanya kesenjangan This figure still indicates a gap in public understanding
pemahaman masyarakat terhadap produk dan layanan of financial products and services, including those
keuangan, termasuk yang berbasis keberlanjutan. based on sustainability.
Dalam merespons berbagai tantangan tersebut, In response to these challenges, KB Bank
KB Bank melakukan berbagai langkah strategis. undertook various strategic initiatives. KB Bank
KB Bank terus menyempurnakan kebijakan internal continues to refine its internal policies while
sekaligus memperkuat kompetensi sumber daya strengthening human resource competencies
manusia melalui pelatihan, seminar, dan e-learning. through training, seminars, and e-learning programs.
Selain itu, Bank juga meningkatkan kesiapan dalam In addition, the Bank has enhanced its readiness in
pengelolaan risiko iklim melalui penyediaan data risiko managing climate risks through the provision of climate
iklim serta integrasi sistem yang mendukung Climate risk data as well as system integration that supports
Risk Management System (CRMS). the Climate Risk Management System (CRMS).
Dari sisi operasional, indikator efisiensi biaya telah From an operational perspective, cost efficiency
diintegrasikan ke dalam Key Performance Indicator indicators have been integrated into the Key
(KPI) di tingkat departemen maupun cabang. Performance Indicators (KPIs) at both the department
Sedangkan untuk membantu meningkatkan literasi and branch levels. Meanwhile, to help enhance financial
keuangan, KB Bank menyiapkan materi publikasi yang literacy, KB Bank has prepared more structured
lebih terstruktur untuk meningkatkan efektivitas literasi publication materials to improve the effectiveness of
keuangan masyarakat serta melaksanakan program public financial literacy and has implemented programs
KB Bank Goes to Campus, KB Bank Empower MSME, such as KB Bank Goes to Campus, KB Bank Empower
KB Bank Goes to School serta GenKBiZ. MSME, KB Bank Goes to School, as well as GenKBiZ.
Melalui berbagai langkah tersebut, KB Bank Through these initiatives, KB Bank is committed
berkomitmen untuk terus menciptakan pertumbuhan to continuously creating sustainable growth
yang berkelanjutan dengan menjaga keseimbangan by maintaining a balance between economic
antara kinerja ekonomi, kepedulian terhadap performance, environmental stewardship, and
lingkungan, serta kontribusi sosial kepada masyarakat. social contributions to society. In 2025, the primary
Pada tahun 2025, fokus utama implementasi focus of sustainability implementation was directed
keberlanjutan diarahkan pada dukungan terhadap toward supporting government programs through the
program pemerintah melalui penyaluran kredit distribution of inclusive financing, the development of
inklusif, pengembangan sektor ekonomi hijau, serta the green economy sector, and the enhancement of
peningkatan literasi keuangan masyarakat. public financial literacy.
Komitmen tersebut juga diwujudkan melalui penyusunan This commitment is also realized through the formulation
strategi keberlanjutan yang terintegrasi dalam kegiatan of a sustainability strategy integrated into KB Bank’s
usaha KB Bank. Implementasi strategi ini dituangkan business activities. The implementation of this strategy
dalam Rencana Aksi Keuangan Berkelanjutan (RAKB) is outlined in the Sustainable Finance Action Plan
yang memuat berbagai program prioritas dan inisiatif (RAKB), which includes various priority programs and
strategis. Dalam pelaksanaannya, KB Bank menetapkan strategic initiatives. In its implementation, KB Bank
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Laporan Direksi Report of The Board of Directors
empat pilar utama yang menjadi arah implementasi established four main pillars that guide its sustainability
keberlanjutan, yaitu KB Bank Untuk Negeri, KB Bank efforts, namely KB Bank Untuk Negeri, KB Bank Care,
Care, KB Bank Dari Kita Untuk Kita, dan KB Bank Satu. KB Bank Dari Kita Untuk Kita, and KB Bank Satu.
Sepanjang tahun 2025, berbagai program dalam RAKB Throughout 2025, various programs within the RAKB
telah menunjukkan capaian yang positif. Di antaranya demonstrated positive achievements. These include
melalui penyaluran kredit KUR sebesar Rp54,8 miliar the disbursement of KUR financing amounting to IDR
kepada 352 debitur, pelaksanaan seminar literasi 54.8 billion to 352 debtors, the implementation of
keuangan serta berbagai kegiatan Corporate Social financial literacy seminars as well as various Corporate
Responsibility (CSR) yang mencakup bidang sosial, Social Responsibility (CSR) activities covering social,
lingkungan, pendidikan, dan keagamaan. environmental, educational, and religious sectors.
Penerapan dan Pencapaian Keuangan Implementation and Achievement of
Berkelanjutan Sustainable Finance
Dalam aspek ekonomi, KB Bank mencatat sejumlah In the economic aspect, KB Bank recorded several key
pencapaian penting yang memperkuat ketahanan achievements that strengthened its financial resilience
keuangan sekaligus mendukung agenda keberlanjutan. while supporting the sustainability agenda. One of the
Salah satu pencapaian krusial adalah penguatan most crucial achievements was strengthening capital
permodalan melalui penerimaan Pinjaman Subordinasi through the receipt of a Perpetual Subordinated
Perpetual sebesar Rp3 triliun dari KB Kookmin Bank Loan of IDR 3 trillion from KB Kookmin Bank, which is
yang dikategorikan sebagai Additional Tier-1 Capital. categorized as Additional Tier-1 Capital. This capital
Penguatan modal ini tidak hanya meningkatkan strengthening not only enhanced the Bank’s financial
stabilitas keuangan Bank, tetapi juga memperkuat stability but also reinforced KB Bank’s capacity to
kapasitas KB Bank dalam mendukung pembiayaan support the financing of green and inclusive projects
proyek-proyek hijau dan inklusif di masa mendatang. in the future.
Kinerja keuangan Bank menunjukkan perbaikan The Bank’s financial performance demonstrated a
sepanjang tahun 2025, didukung oleh pertumbuhan marked improvement throughout 2025, underpinned
kredit sebesar 7,07% secara tahunan menjadi by a 7.07% year-on-year growth in lending, reaching
Rp44,39 triliun. Rp44.39 trillion.
Sejalan dengan ekspansi tersebut, rasio Non- In line with this expansion, the Non-Performing Loan
Performing Loan (NPL) tercatat sebesar 6,33%, (NPL) ratio was recorded at 6.33%, while the Loan
sementara rasio Loan at Risk (LaR) berada pada at Risk (LaR) ratio stood at 20.97%, reflecting the
level 20,97%, yang mencerminkan upaya Bank Bank’s continued commitment to maintaining asset
dalam menjaga kualitas aset secara berkelanjutan. quality on a sustainable basis. In terms of funding
Pada aspek pendanaan dan likuiditas, KB Bank berhasil and liquidity, KB Bank successfully maintained stable
menjaga stabilitas Dana Pihak Ketiga (DPK) yang Third Party Funds (TPF), totaling IDR 47.20 trillion.
mencapai Rp47,20 triliun. Pencapaian ini menunjukkan This achievement reflects the Bank’s success in
keberhasilan Bank dalam mempertahankan maintaining customer trust while managing a healthier
kepercayaan nasabah sekaligus mengelola struktur funding structure. In terms of profitability, KB Bank
pendanaan secara lebih sehat. Sedangkan dari sisi recorded a net profit of IDR 12.64 billion, marking a
profitabilitas, KB Bank mencatatkan laba bersih sebesar turnaround in performance after a period of pressure
Rp12,64 miliar, yang menandai titik balik kinerja setelah over the past few years.
periode tekanan dalam beberapa tahun terakhir.
Dalam mendukung agenda keberlanjutan, KB Bank juga In supporting the sustainability agenda, KB Bank also
mencatat bahwa persentase penyaluran dana untuk recorded that the percentage of fund allocation for the
portofolio kegiatan usaha berkelanjutan mencapai sustainable business activity portfolio reached 8.83%
8,83% dari total portofolio kredit. Pembiayaan tersebut of the total loan portfolio. The financing is distributed
disalurkan kepada nasabah yang bergerak pada sektor- to customers operating in sectors aligned with
sektor yang selaras dengan prinsip keberlanjutan sustainability principles, such as MSMEs, renewable
seperti UMKM, energi terbarukan, transportasi ramah energy, environmentally friendly transportation, and
lingkungan dan pengelolaan sumber daya alam hayati. natural resource management.
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Komitmen terhadap pembangunan berkelanjutan The commitment to sustainable development and the
dan adopsi energi bersih juga diwujudkan melalui adoption of clean energy is also demonstrated through
penandatanganan kerja sama strategis untuk the signing of a strategic cooperation agreement
mendukung pengembangan dan pemanfaatan to support the development and utilization of two-
kendaraan listrik roda dua (motor listrik) di Indonesia. wheeled electric vehicles (electric motorcycles) in
Kemitraan ini melibatkan berbagai pihak strategis Indonesia. This partnership involves several strategic
dari Indonesia dan Korea Selatan, termasuk PT Etiga stakeholders from Indonesia and South Korea, including
Mobility Indonesia (E3 Mobility), PT DAT Mobility PT Etiga Mobility Indonesia (E3 Mobility), PT DAT
Systems (DMS), LG Energy Solution (LG ES), dan Kwon Mobility Systems (DMS), LG Energy Solution (LG ES),
Electronics. Inisiatif ini juga mendapat dukungan dari and Kwon Electronics. The initiative is also supported
PT PLN (Persero) dan anak usahanya PLN Icon Plus by PT PLN (Persero) and its subsidiary PLN Icon Plus,
yang berperan penting dalam pengembangan bisnis which plays an important role in developing the Beyond
Beyond kWh dari Grup PLN. kWh business of the PLN Group.
Komitmen ini selaras dengan kebijakan Pemerintah This commitment is aligned with the policy of the
Indonesia dalam mempercepat adopsi kendaraan listrik Government of Indonesia to accelerate the adoption
dan pengurangan emisi karbon, inisiatif ini menegaskan of electric vehicles and reduce carbon emissions. The
peran KB Bank sebagai katalisator transisi energi hijau, initiative also reinforces KB Bank’s role as a catalyst for
menghubungkan berbagai pemangku kepentingan the green energy transition by connecting cross-border
lintas negara untuk menciptakan ekosistem Electric stakeholders to build a sustainable and integrated
Vehicle (EV) yang berkelanjutan dan terintegrasi. Electric Vehicle (EV) ecosystem.
Selain itu, sejalan dengan arahan OJK terkait Climate Moreover, in line with OJK’s direction regarding Climate
Risk Management & Scenario Analysis (CRMS), KB Risk Management & Scenario Analysis (CRMS), KB Bank
Bank juga telah melaksanakan Climate Risk Stress Test also conducted a Climate Risk Stress Test (CRST) in
(CRST) pada Agustus 2025 terhadap 50% portofolio August 2025 on 50% of its loan portfolio, as a measure
kredit, sebagai langkah untuk mengevaluasi potensi to evaluate the potential impact of climate change risks
dampak risiko perubahan iklim terhadap kinerja on the Bank’s financial performance across various
keuangan Bank dalam berbagai horizon waktu. time horizons.
Dalam aspek lingkungan, KB Bank terus mendorong In the environmental aspect, KB Bank continues to
efisiensi penggunaan sumber daya melalui implementasi promote efficiency on the resource use through
strategi “Digital STAR as Biz Enabler” yang diwujudkan the implementation of “Digital STAR as Biz Enabler”
melalui penerapan Next Generation Banking System strategy, which is realized through the adoption of the
(NGBS). Sistem ini memungkinkan proses perbankan Next Generation Banking System (NGBS). This system
yang lebih digital, paperless, serta mendukung otomasi enables more digital and paperless banking processes,
operasional yang secara signifikan mengurangi while also supporting operational automation that
ejak karbon. significantly reduces the carbon footprint.
Implementasi sustainable banking juga diperkuat The implementation of sustainable banking has also
melalui berbagai inisiatif seperti Paper Care, Water been strengthened through various initiatives such as
Care, Electric Care, serta pengembangan konsep Green Paper Care, Water Care, Electric Care, as well as the
Building yang bertujuan menekan konsumsi sumber development of the Green Building concept aimed
daya sekaligus mengurangi dampak lingkungan dari at reducing resource consumption while minimizing
aktivitas operasional Bank. Program-program tersebut the environmental impact of the Bank’s operational
juga berjalan seiring dengan inisiatif efisiensi biaya activities. These programs are also carried out in parallel
yang dikenal sebagai Cost Hunt. with cost efficiency initiatives known as Cost Hunt.
Berbagai langkah tersebut menunjukkan hasil yang These various measures demonstrated positive results,
positif, di mana KB Bank berhasil mencatat penurunan with KB Bank successfully recording a reduction
penggunaan sumber daya dibandingkan tahun in resource usage compared to the previous year.
sebelumnya. Sepanjang 2025 tercatat penurunan Throughout 2025, paper usage decreased by 15.66%,
penggunaan kertas sebesar 15,66%, penurunan energy consumption declined by 6.84%, and total
konsumsi energi sebesar 6,84%, serta penurunan total greenhouse gas emissions were reduced by 6.12%.
emisi gas rumah kaca sebesar 6,12%.
27 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Page 31
Laporan Direksi Report of The Board of Directors
Di bidang sosial, KB Bank terus memperkuat komitmen In the social aspect, KB Bank continues to strengthen
terhadap pengembangan sumber daya manusia its commitment to human capital development and
serta pemberdayaan masyarakat. Sepanjang tahun community empowerment. Throughout 2025, KB Bank
2025, KB Bank mengalokasikan Rp28,68 miliar untuk allocated IDR 28.68 billion for employee competency
pengembangan kompetensi karyawan, dengan total development, with a total of 185,512 training hours or
185.512 jam pelatihan atau rata-rata 79 jam pelatihan an average of 79 training hours per employee.
per karyawan.
Selain itu, KB Bank juga menjalankan berbagai program Furthermore, KB Bank also implemented various Social
Tanggung Jawab Sosial dan Lingkungan (TJSL) dengan and Environmental Responsibility (SER) programs with
total realisasi sebesar Rp957 juta. Program-program ini a total realization of IDR 957 million. These programs
difokuskan pada empat bidang utama yaitu pendidikan, are focused on four main areas, namely education,
sosial, lingkungan, dan keagamaan. social, environmental, and religious sectors.
Dalam bidang pendidikan, program dilaksanakan In the education sector, programs were implemented
melalui pemberian beasiswa, dukungan sarana belajar, through the provision of scholarships, support for
serta pelatihan keterampilan bagi masyarakat. Di bidang learning facilities, as well as skills training for the
sosial, KB Bank menyalurkan bantuan bagi masyarakat community. In the social sector, KB Bank provided
terdampak bencana, mendukung kegiatan kesehatan assistance to communities affected by disasters,
masyarakat, serta menyelenggarakan kegiatan donor supported public health initiatives, and organized
darah dan aktivitas sosial lainnya yang memperkuat blood donation activities and other social programs
solidaritas komunitas. that strengthen community solidarity.
Sementara itu, pada bidang keagamaan, KB Bank Meanwhile, in the religious sector, KB Bank supported
mendukung pembangunan fasilitas ibadah serta the development of worship facilities as well as
penyelenggaraan kegiatan keagamaan. Di bidang the implementation of religious activities. In the
lingkungan, KB Bank turut berkontribusi melalui environmental sector, KB Bank also contributed through
peningkatan fasilitas pengelolaan sampah di the improvement of waste management facilities in
Kota Kupang. Kupang City.
Selain program TJSL, KB Bank juga secara aktif In addition to SER programs, KB Bank also actively
menjalankan berbagai kegiatan literasi dan inklusi carried out various financial literacy and inclusion
keuangan sepanjang tahun 2025 melalui program initiatives throughout 2025 through programs such
KB Bank Goes to Campus, KB Bank Empower as KB Bank Goes to Campus, KB Bank Empower
MSME, KB Bank Goes to School serta GenKBiZ MSME, KB Bank Goes to School, and GenKBiZ
(Generasi Kreatif Siap Jadi Pebisnis). (Creative Generation Ready to Become Entrepreneurs).
Strategi Pencapaian Target Target Achievement Strategy
Dalam menghadapi ketidakpastian ekonomi global In navigating global and domestic economic
dan domestik sepanjang 2025, KB Bank memfokuskan uncertainties throughout 2025, KB Bank focused its
strategi pada penyelesaian fase “Deep Change”, yaitu strategy on completing the “Deep Change” phase,
periode transformasi fundamental yang dirancang a period of fundamental transformation designed to
untuk mendukung proses turnaround bisnis secara support a comprehensive business turnaround process.
menyeluruh.
Dalam fase ini, KB Bank mengonsentrasikan berbagai In this phase, KB Bank concentrated on various
inisiatif strategis yang mencakup revitalisasi model strategic initiatives, including the revitalization of the
bisnis, penguatan kapabilitas penagihan kredit, business model, strengthening of credit collection
perancangan ulang sistem monitoring dan kontrol capabilities, redesign of monitoring and internal control
internal, serta implementasi restrukturisasi biaya systems, as well as the implementation of aggressive
secara agresif melalui program Cost Hunt. cost restructuring through the Cost Hunt program.
Laporan Keberlanjutan 2025 Sustainability Report 28
PT Bank KB Indonesia Tbk
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Transformation towards a Stronger Sustainable and Inclusive Growth
Langkah-langkah tersebut bertujuan untuk These measures aim to strengthen the Bank’s
memperkuat fondasi operasional Bank sehingga operational foundation to enhance efficiency,
mampu meningkatkan efisiensi, memperbaiki kualitas improve asset quality, and support healthier and more
aset, serta mendukung pertumbuhan bisnis yang lebih sustainable business growth.
sehat dan berkelanjutan.
Prospek dan Peluang Prospects and Opportunities
Ke depan, KB Bank melihat berbagai peluang strategis Looking ahead, KB Bank sees various strategic
untuk memperkuat posisinya sebagai lembaga opportunities to strengthen its position as a leading
keuangan terkemuka di Indonesia. Salah satu fokus financial institution in Indonesia. One of the main
utama adalah revitalisasi pada segmen Corporate, focuses is the revitalization of the Corporate, Mid-
Mid-Large SME, dan Wholesale, yang memiliki potensi Large SME, and Wholesale segments, which have
besar dalam mendukung pembiayaan proyek-proyek significant potential in supporting the financing of
berkelanjutan. sustainable projects.
Selain itu, KB Bank juga melihat peluang pertumbuhan Moreover, KB Bank also sees growth opportunities in
pada sektor energi terbarukan dan efisiensi energi. the renewable energy and energy efficiency sectors. In
Dalam merespons peluang ini, KB Bank menekankan responding to these opportunities, KB Bank emphasizes
ekspansi pada aset berkualitas melalui segmen expansion in quality assets through the Corporate and
Corporate dan Mid-Large SME sebagai pintu masuk Mid-Large SME segments as entry points for financing
pembiayaan proyek berkelanjutan dengan profil risiko sustainable projects with measurable risk profiles.
yang terukur.
Di sisi lain, KB Bank juga terus meningkatkan On the other hand, KB Bank also continues to enhance
peran dalam mendorong inklusi ekonomi melalui its role in promoting economic inclusion through MSME
pemberdayaan UMKM. Bank memastikan bahwa fokus empowerment. The Bank ensures that its business
bisnis tidak hanya pada korporasi besar melalui jaringan focus is not solely on large corporations through the
Korean-Link, tetapi juga memberikan akses keuangan Korea-Link network, but also provides broader financial
yang lebih luas bagi pelaku usaha lokal sebagai tulang access for local businesses as the backbone of the
punggung perekonomian domestik. domestic economy.
Komitmen terhadap transformasi juga diperkuat The commitment to transformation is also reinforced
melalui penyelesaian berbagai isu fundamental pasca through the resolution of various fundamental issues
restrukturisasi, serta penguatan sinergi dengan anak following restructuring, as well as the strengthening of
perusahaan untuk mengembangkan produk bersama synergies with subsidiaries to develop joint products
dalam ekosistem konglomerasi, termasuk pembiayaan within the conglomeration ecosystem, including
kendaraan listrik melalui unit multifinance. electric vehicle financing through the multifinance unit.
Selain itu, KB Bank juga terus memperkuat manajemen Furthermore, KB Bank continues to strengthen climate
risiko iklim serta mengintegrasikan kebijakan risk management and integrate global sustainability
keberlanjutan global dari KB Financial Group ke dalam policies from KB Financial Group into its business
praktik bisnis di Indonesia. Langkah ini mencakup practices in Indonesia. This includes strengthening
penguatan kebijakan Anti Pencucian Uang (APU) Anti Money Laundering (AML), Counter Terrorist
Pencegahan Pendanaan Terorisme (PPT) dan Financing (CTF), and Counter Proliferation Financing
Pencegahan Pendanaan Proliferasi Senjata Pemusnah of Weapons of Mass Destruction (CPF) policies, as
Massal (PPPSPM), serta peningkatan kapasitas sumber well as enhancing human resource capacity through
daya manusia melalui berbagai program pelatihan various training programs that support a collaborative
yang mendukung budaya kerja kolaboratif dan and high-performance work culture.
berkinerja tinggi.
29 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
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Laporan Direksi Report of The Board of Directors
Penutup Closing
Direksi menyampaikan apresiasi dan terima kasih The Board of Directors expresses its appreciation and
kepada seluruh pemegang saham, nasabah, regulator, gratitude to all shareholders, customers, regulators,
mitra usaha, serta seluruh karyawan atas dukungan business partners, as well as all employees for the
dan kepercayaan yang terus diberikan kepada KB continuous support and trust extended to KB Bank.
Bank. Dengan fondasi transformasi yang semakin kuat, With an increasingly strong transformation foundation,
KB Bank optimistis dapat terus melangkah maju untuk KB Bank is optimistic about continuing to move forward
menciptakan pertumbuhan yang lebih berkelanjutan in creating more sustainable and inclusive growth.
dan inklusif.
Kami akan terus berkomitmen untuk memperkuat kinerja We will continue to be committed to strengthening
bisnis sekaligus memberikan kontribusi nyata bagi business performance while delivering tangible
masyarakat, perekonomian nasional, dan kelestarian contributions to society, the national economy, and
lingkungan. Kami meyakini bahwa dengan kolaborasi environmental sustainability. We believe that with
yang kuat dari seluruh pemangku kepentingan, KB strong collaboration from all stakeholders, KB Bank will
Bank akan mampu menghadapi berbagai tantangan be able to navigate future challenges and continue to
di masa depan serta terus menciptakan nilai jangka create sustainable long-term value.
panjang yang berkelanjutan.
Jakarta, 20 April 2026 Jakarta, April 20, 2026
Atas Nama Direksi On Behalf of the Board of Directors
PT Bank KB Indonesia Tbk PT Bank KB Indonesia Tbk
Kunardy Darma, Lie
Direktur Utama
President Director
PT Bank KB Indonesia Tbk
Laporan Keberlanjutan 2025 Sustainability Report 30
PT Bank KB Indonesia Tbk
Page 34
Transformation towards a Stronger Sustainable and Inclusive Growth
Pertanggungjawaban Laporan Keberlanjutan
Accountability for Sustainability Report
Surat Pernyataan Anggota Dewan Komisaris dan Direksi
Tentang Tanggung Jawab atas Kebenaran Isi Laporan
Keberlanjutan PT Bank KB Indonesia Tbk Tahun Buku 2025.
Statement of Members of the Board of Commissioners and the Board of Directors on the
Accountability for Accuracy of Contents of the Sustainability Report of PT Bank KB Indonesia Tbk
for the 2025 Financial Year.
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Keberlanjutan in the 2025 Sustainability Report of PT Bank KB
PT Bank KB Indonesia Tbk (“Perseroan”) tahun Indonesia Tbk (the “Company”) has been presented
2025 telah dimuat secara lengkap dan bertanggung in its entirety and that we are fully accountable for
jawab penuh atas kebenaran isi Laporan the accuracy of contents of the Company’s
Keberlajutan Perseroan. Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 20 April 2026
Jakarta, April 20, 2026
Dewan Komisaris
Board of Commissioners
Jerry Marmen
Komisaris Utama
President Commissioner
Stephen Liestyo Hae Wang Lee
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Page 35
Laporan Direksi Report of The Board of Directors
Pertanggungjawaban Laporan Keberlanjutan
Accountability for Sustainability Report
Surat Pernyataan Anggota Dewan Komisaris dan Direksi
Tentang Tanggung Jawab atas Kebenaran Isi Laporan
Keberlanjutan PT Bank KB Indonesia Tbk Tahun Buku 2025.
Statement of Members of the Board of Commissioners and the Board of Directors on the
Accountability for Accuracy of Contents of the Sustainability Report of PT Bank KB Indonesia Tbk
for the 2025 Financial Year.
Kami yang bertanda tangan di bawah ini menyatakan We, the undersigned, hereby declare that all information
bahwa semua informasi dalam Laporan Keberlanjutan in the 2025 Sustainability Report of PT Bank KB
PT Bank KB Indonesia Tbk (“Perseroan”) tahun Indonesia Tbk (the “Company”) has been presented
2025 telah dimuat secara lengkap dan bertanggung in its entirety and that we are fully accountable for
jawab penuh atas kebenaran isi Laporan the accuracy of contents of the Company’s
Keberlajutan Perseroan. Sustainability Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 20 April 2026
Jakarta, April 20, 2026
Direksi
Board of Directors
Kunardy Darma, Lie
Direktur Utama
President Director
Robby Mondong Henry Sawali Dodi Widjajanto
Direktur Direktur Direktur
Director Director Director
Jung Ho Han Jang Hyuk Im Widodo Suryadi
Direktur Direktur Direktur
Director Director Director
Page 36
Transformation towards a Stronger Sustainable and Inclusive Growth
33 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Page 37
Profil Perusahaan Company Profile
Profil
Perusahaan
Company Profile
Laporan Keberlanjutan 2025 Sustainability Report 34
PT Bank KB Indonesia Tbk
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Transformation towards a Stronger Sustainable and Inclusive Growth
Identitas Bank
Bank Identity
PT Bank KB Indonesia Tbk
Jenis/Badan Perusahaan Terbuka
Nama Perusahaan
Hukum Perusahaan Public Listed Company
Company Name
Type/Company Legal Entity
Bidang Usaha Jasa Perbankan | Banking Service Tanggal Pendirian 10 Juli 1970 | July 10, 1970
Line of Business Date of Incorporation
Dasar Hukum Pendirian
Legal Basis of Incorporation Bank Umum Koperasi Indonesia (BUKOPIN) disahkan sebagai badan hukum berdasarkan Surat Keputusan
Direktorat Jenderal Koperasi No. 13/ Dirjen/Kop/70 tanggal 10 Juli 1970 dan didaftarkan dalam Daftar Umum
Direktorat Jenderal Koperasi No. 8251 pada tanggal yang sama.
Indonesian Cooperative Commercial Bank (BUKOPIN) was legalized as a legal entity based on Decision Letter of the Directorate
General for Cooperatives No. 13/ Dirjen/ Kop/70 dated July 10, 1970, and registered in the General List of the Directorate General
for Cooperatives No. 8251 on the same date.
Informasi
Perubahan Nama PT Bank KB Indonesia, Tbk, Disahkan dalam Rapat Umum Pemegang Saham Tahunan 28 Mei 2025
Name Changes berdasarkan Akta Pernyataan Keputusan Rapat No. 115 tertanggal 26 Juni 2025 dan Keputusan Menteri
Hukum RI tentang Persetujuan Perubahan Anggaran Dasar Perseroan Terbatas No. AHU-0044224.AH.01.02
Tahun 2025 serta Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan No. KEP-54/D.03/2025
tentang Penetapan Penggunaan Izin Usaha atas nama PT Bank KB Bukopin Tbk menjadi Izin usaha atas nama
PT Bank KB Indonesia Tbk.
PT Bank KB Indonesia Tbk, Approved in the Annual General Meeting of Shareholders on May 28, 2025 based on the Deed of
Statement of Meeting Resolutions No. 115 dated June 26, 2025 and the Decree of the Minister of Law of the Republic of Indonesia
concerning Approval of Amendments to the Articles of Association of Limited Liability Companies No. AHU-0044224.AH.01.02 of
2025 and the Decree of the Members of the Board of Commissioners of the Financial Services Authority No. KEP-54/D.03/2025
concerning the Determination of the Use of Business Licenses in the name of PT Bank KB Bukopin Tbk to become Business
Licenses in the name of PT Bank KB Indonesia Tbk.
Kepemilikan Saham KB Kookmin Bank STIC Eugene Star Holdings Publik/Masyarakat | Public/Society
Share Ownership
66.88% 16.98% 16.14%
Modal Disetor Penuh Modal Ditempatkan
Fully Paid-up Capital Rp21.000.000.000.000,- Issued Capital Rp18.999.999.969.200,-
35 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Page 39
Profil Perusahaan Company Profile
Tanggal IPO Kode Saham & Obligasi BBKP
10 Juli 2006 | July 10, 2006 BBKP
Date of Initial Offering Ticker Code
Nama Bursa SWIFT Code
Bursa Efek Indonesia
Exchange Name
Indonesia Stock Exchange
SWIFT Code BBUKIDJA
Jumlah Karyawan per Sekretaris Perusahaan
Ariz Dian Perkasa
31 Desember 2025
2.334 Orang Corporate Secretary
Number of Employees People
as of December 31, 2025
Entitas Anak
Subsidiaries PT KB Bukopin Finance* PT Bank KB Bukopin Syariah
Jl. Melawai Raya No. 66 Kebayoran Baru Jakarta Selatan 12160 Jl. Salemba Raya No. 55 Jakarta 10440
Telepon | Phone: (021) 2793 6558 - Office (021) 2793 6513 Telepon | Phone: +6221-2300912
Alamat Kantor Pusat Gedung KB Bank Kontak Alamat Sekretaris Perusahaan
Head Office Address Contact Address
[OJK C.2][GRI 2-1] Jl. M.T. Haryono Kav. 50-51 Corporate Secretary
Jakarta Selatan 12770 Jl. M.T. Haryono Kav. 50-51
Telepon | Telephone: (021) 798 8266, 798 9837 Jakarta Selatan 12770
Situs Web | Website: www.kbbank.co.id Telepon | Telephone: (021) 798 8266, 798 9837
Surat Elektronik | Email: corsec@kbbank.co.id
Kantor Layanan
Service Office • 24 (dua puluh empat) Provinsi KB Bank beroperasi • 121 (seratus dua puluh satu) Kantor Cabang Pembantu
[GRI 2-1][GRI 2-6] 24 (twenty-four) Provinces where KB Bank operates 121 (one hundred twenty-one) Assistant Branch Offices
• 1 (satu) Kantor Pusat • 2 (dua) Kantor Fungsional
1 (one) Head Office 2 (two) Functional Offices
• 29 (dua puluh sembilan) Kantor Cabang
29 (twenty-nine) Branch Offices
Jumlah Jaringan ATM Kartu ATM KB Bank terkoneksi dengan seluruh jaringan ATM Prima dan ATM
Number of ATM Networks
156 ATM KB Bank
KB Bank ATM
Bersama di seluruh Tanah Air. Seluruh kantor KB Bank telah terhubung dalam
satu jaringan real time online.
KB Bank ATM cards are connected to all ATM Prima and ATM Bersama networks throughout
the country. All KB Bank offices have been connected in one real time online network.
Media Sosial
kbbank.id KB Bank kbbank_id kbbank_id kbbank.id kbbank.id
Social Media
Serikat Karyawan Serikat Pekerja PT Bank KB Indonesia Tbk (SPKB)
Worker Union
[GRI 2-30]
PT Bank KB Indonesia Tbk Labor Union (SPKB)
*) Pada 1 Juli 2025, berdasarkan perjanjian jual beli, KB Bank telah melepaskan 85% kepemilikan sahamnya pada PT KB Bukopin Finance
*) On July 1, 2025, KB Bank executed the divestment of 85% of its shareholding in PT KB Bukopin Finance in accordance with a Sale and Purchase Agreement.
Laporan Keberlanjutan 2025 Sustainability Report 36
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Transformation towards a Stronger Sustainable and Inclusive Growth
Keterangan Perubahan Nama
Name Change Information
Perseroan
Bank Umum Bank Hukum
Terbatas Tertutup
Koperasi Indonesia Koperasi (Bukopin) Bank Bukopin (PT Bank Bukopin)
Indonesian Cooperative Cooperative Legal
Commercial Bank Entity Limited Liability Company
(PT Bank Bukopin)
Surat Keputusan Direktorat Disahkan sebagai badan Disahkan dalam Surat Akta Notaris No. 126
Jenderal Koperasi No. 13/ hukum berdasarkan Surat Keputusan Direktur tanggal 25 Februari
Dirjen/Kop/70 tanggal 10 Keputusan Direktorat Jenderal Bina Lembaga 1993 dari Notaris Muhani
Juli 1970. Jenderal Koperasi No. 13/ Koperasi No. 06/KPTS/BLK/ Salim, S.H., beserta
Decree of the Directorate Dirjen/Kop/70 tanggal 10 III/1990 tanggal 8 Maret pembetulannya, dengan
General of Cooperatives Juli 1970. 1990. akta Notaris No. 118 tanggal
No. 13/Dirjen/Kop/70 dated Legalized as a legal entity Ratified in the Decree of 28 Mei 1993.
July 10, 1970. based on the Decree of the Director General of Notary Deed No. 126 dated
the Directorate General of Cooperative Institutions February 25, 1993, from
Cooperatives No. 13/Dirjen/ No. 06/KPTS/BLK/III/1990 Notary Muhani Salim, S.H.,
Kop/70 dated July 10, 1970. dated March 8, 1990. along with the amendments
thereto, with Notary deed
No. 118 dated May 28,
1993.
Perusahaan Terbuka
PT Bank Bukopin Tbk PT Bank KB Bukopin Tbk PT Bank KB Indonesia Tbk
Public Company PT Bank
Bukopin Tbk
Surat Keputusan Deputi Disahkan dalam Rapat Umum Pemegang Saham Disahkan dalam Rapat Umum Pemegang
Gubernur Senior Bank Luar Biasa 22 Desember 2020, berdasarkan Saham Tahunan 28 Mei 2025 berdasarkan Akta
Indonesia No. 6 November Akta Pernyataan Keputusan Rapat tertanggal Pernyataan Keputusan Rapat No. 115 tertanggal
KEP.DGS/2004 tanggal 19 22 Desember 2020 No. 12 No. AHU-0085571. 26 Juni 2025 dan Keputusan Menteri Hukum
April 2004. AH.01.02 serta Salinan Keputusan Deputi RI tentang Persetujuan Perubahan Anggaran
Decree of the Senior Komisioner Pengawas Perbankan I Otoritas Dasar Perseroan Terbatas No. AHU-0044224.
Deputy Governor of Bank Jasa Keuangan No. KEP-11/PB.1/2021 tentang AH.01.02 Tahun 2025 serta Keputusan Anggota
Indonesia No. 6 November Penetapan Penggunaan Izin Usaha atas nama Dewan Komisioner Otoritas Jasa Keuangan
KEP.DGS/2004 dated April PT Bank Bukopin Tbk menjadi Izin usaha atas No. KEP-54/D.03/2025 tentang Penetapan
19, 2004. nama PT Bank KB Bukopin Tbk. Penggunaan Izin Usaha atas nama PT Bank KB
Ratified at the Extraordinary General Meeting Bukopin Tbk menjadi Izin usaha atas nama PT
of Shareholders dated December 22, 2020, and Bank KB Indonesia Tbk.
based on the Deed of Statement of Meeting Ratified at the Annual General Meeting of
Resolutions dated December 22, 2020, No. 12 Shareholders dated May 28, 2025, based on
No.AHU-0085571.AH.01.02 and a copy of the the Deed of Statement of Meeting Resolution
Decree of Deputy Commissioner for Banking No. 115 dated June 26, 2025, and the Decree
Supervision I of the Financial Services Authority of the Minister of Law of RI on the Approval
No. KEP-11/PB.1/2021 on the Determination of of the Amendments to the Articles of
Use of Business License under the name of PT Association of the Limited Liability Company
Bank Bukopin Tbk to become a Business License No. AHU-0044224. AH.01.02 Tahun 2025
under the name of PT Bank KB Bukopin Tbk. and the Decision of Members of the Board of
Commissioners of Financial Services Authority
No. KEP-54/D.03/2025 on the Determination of
the Use of Business Licenses on behalf of PT
Bank KB Bukopin Tbk into Business Licenses on
behalf of PT Bank KB Indonesia Tbk.
37 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
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Profil Perusahaan Company Profile
Logo Perusahaan
Company Logo
Logo sebagai sarana identitas yang A logo is a means of identity that reflects the
mencerminkan karakter, produk dan jasa sebuah character, products, and services of a company
perusahaan sehingga dapat menyampaikan hence it can convey information about the
informasi mengenai perusahaan kepada publik, company to the public, where a logo has many
dimana sebuah logo memiliki banyak elemen elements in the form of shapes, colors, lines, and
berupa bentuk, warna, garis dan jenis yang types that all support each other to influence
keseluruhannya saling mendukung untuk the public’s thoughts, views or opinions towards
mempengaruhi pemikiran, pandangan atau the company and reflect values, visions, and
pendapat publik terhadap perusahaan commitments in providing the best service
serta mencerminkan nilai-nilai, visi, dan to customers.
komitmen dalam memberikan layanan terbaik
kepada nasabah.
Simbol Symbol
1. Simbol KB mencerminkan ambisi perusahaan 1. KB symbol reflects the company’s ambition
untuk menjadi brand finansial yang terkemuka to become a leading financial brand in
di Industri Keuangan Tanah Air dengan the Indonesian Financial Industry by
memperkuat branding “Korea Best”. strengthening the “Korea Best” branding.
2. Simbol Star-b yang mengandung makna 2. The Star-b symbol, which embodies the
bintang, menunjukkan perspektif orientasi meaning of a star, represents KB Financial
masa depan KB Financial Group dan keinginan Group’s future-oriented perspective and its
yang tinggi untuk menjadi lembaga keuangan strong aspiration to become a world-class
kelas dunia. financial institution.
Visualisasi Visualization
1. Warna kuning pada logo KB Bank 1. The yellow color on the KB Bank’s logo
melambangkan Kehangatan, Keramahan symbolizes Warmth, Hospitality, and Trust
dan Kepercayaan yang diberikan oleh embodied by KB Kookmin Bank.
KB Kookmin Bank.
2. Teknologi terbaru dan dukungan jaringan 2. The latest technology and global network
global menjadi modal bagi KB Bank untuk support are Bank KB Bank’s capital in providing
menyediakan layanan finansial terbaik the best financial services for Indonesia.
bagi Indonesia.
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Visi dan Misi [OJK C.1]
Vision and Mission [OJK C.1]
KB Bank telah menetapkan Visi dan Misi sebagai acuan KB Bank has established its Vision and Mission as
utama dalam menentukan arah pengembangan usaha. the primary reference in determining the direction of
Sejalan dengan arah strategis dan dinamika bisnis, business development. In line with its strategic direction
pembaruan Visi dan Misi KB Bank ditetapkan melalui and business dynamics, the updated KB Bank’s Vision
Surat Keputusan Direksi No. SKEP/050-PDI/X/2025 and Mission were stipulated through Board of Directors’
tertanggal 30 Oktober 2025, yang menjadi pedoman Decision Letter No. SKEP/050-PDI/X/2025 dated
bagi seluruh insan Bank dalam menjalankan kegiatan October 30, 2025, which serves as a guideline for all
usaha serta mewujudkan tujuan jangka panjang Bank personnel in carrying out business activities and
KB Bank, sebagaimana tertuang dalam visi dan achieving KB Bank’s long-term objectives, as set out in
misi berikut: the following Vision and Mission:
Visi Misi
Vision Mission
Menjadi mitra terpercaya bagi Secara konsisten menghadirkan
seluruh pemangku kepentingan, solusi keuangan yang inovatif,
lembaga keuangan yang bernilai tambah dan tepat waktu,
terkemuka di Indonesia dan serta menciptakan pengalaman
menjadi pilihan utama bagi pelanggan yang luar biasa,
talenta terbaik. yang didukung oleh karyawan
yang termotivasi dan budaya
kolaboratif dengan kinerja tinggi.
To be the trusted partner for all To consistently deliver innovative,
stakeholders, a respected financial impactful, and timely financial
institution in Indonesia and the solutions, and create exceptional
employer of choice for talent. customer experiences, driven
by motivated employees and a
collaborative, high-performing culture.
39 Laporan Keberlanjutan 2025 Sustainability Report
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Profil Perusahaan Company Profile
Nilai Budaya KB Bank (ICCAN) [OJK F.1]
KB Bank’s Cultural Value (ICCAN) [OJK F.1]
KB Bank menanamkan budaya perusahaan sebagai KB Bank instills corporate culture as a foundation
fondasi dalam menjalankan kegiatan operasional for carrying out operational activities and delivering
sekaligus memberikan layanan kepada nasabah. Nilai services to customers. The ICCAN values are
ICCAN ditetapkan sebagai pedoman perilaku yang established as behavioral guidelines that unite all
menyatukan seluruh insan KB Bank dalam mencapai employees of KB Bank in achieving strategic objectives.
tujuan strategis. Melalui penerapan nilai tersebut, Through the implementation of these values, KB Bank
KB Bank berupaya membangun organisasi yang strives to build an organization that upholds integrity,
berintegritas, berorientasi pada kinerja, serta adaptif is performance-oriented, and remains adaptive to
terhadap perubahan, sebagaimana diatur dalam change, as stipulated in Board of Directors’ Decision
Surat Keputusan Direksi No. SKEP/050-PDI/X/2025 Letter No. SKEP/050-PDI/X/2025 dated October 30,
tertanggal 30 Oktober 2025. 2025.
Integrity Diartikan sebagai mengutamakan kejujuran,
kedisiplinan dan komitmen untuk membangun
It is interpreted as prioritizing honesty, discipline
and committed to build customer trust. The
Integritas kepercayaan Nasabah. Perilaku utama yang main behavior that goes along with this value:
sejalan dengan nilai ini:
• Jujur • Honest
• Disiplin dan Berkomitmen • Disciplined and Committed
Competent Diartikan sebagai cakap dalam melaksanakan
tugas dan melakukan perbaikan terus-menerus
Defined as being proficient in carrying out tasks
and making continuous improvements to always
Kompeten untuk selalu menjadi yang terbaik. Perilaku be the best. The main behavior that goes along
utama yang sejalan dengan nilai ini: with this value:
• Cepat belajar • Quick learn
• Peningkatan dan Perbaikan Berkesinambungan • Continuous Improvement and Enhancement
Care Diartikan sebagai peduli dan sinergi untuk
kemajuan bersama. Perilaku utama yang sejalan
Defined as caring and synergy for mutual
progress. The main behaviors that are in line
Peduli dengan nilai ini: with this value:
• Tulus/empati & peduli • Sincere/empathy & caring
• Sinergi/Kerjasama • Synergy/cooperation
Accountable Diartikan sebagai bertanggung jawab penuh
dan menguasai pekerjaan untuk mencapai hasil
Defined as taking full responsibility and
mastering the work to achieve the best results.
Akuntabilitas terbaik. Perilaku utama yang sejalan dengan The main behavior that goes along with this
nilai ini: value:
• Bertanggung jawab • Responsible
• Menguasai tugas • Mastering the task
Never Give Up Diartikan sebagai mampu berpikir “out of the
box” dan pantang menyerah dalam menghadapi
Defined as being able to think “out of the box”
and never give up in the face of challenges and
Tidak Pernah tantangan dan hambatan untuk mencapai hasil obstacles to achieve the best results. The main
terbaik. Perilaku utama yang sejalan dengan behavior that goes along with this value:
Menyerah nilai ini:
• Pantang menyerah • Never give up
• Berpikir “out of the box” • Thinking “out of the box”
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Transformation towards a Stronger Sustainable and Inclusive Growth
Struktur Organisasi
Organizational Structure
General Meeting of Shareholder
Board of Commissioners
President Director
Kunardy Darma, Lie
Compliance & Risk
Retail Director Wholesale Director Credit Director
Director
Robby Mondong Widodo Suryadi Henry Sawali Dodi Widjajanto
Special Asset Chief Information
Sales Distribution Retail Portfolio Management Portfolio Management Management (SAM) Security Office (CISO)
Zico Hernawan Pauline Sulistianingsih - - - -
Regional Office SAM Bulk Auction, SME Credit
Retail Lending Product Transaction Banking Large Corporate IT Security
I – VII AYDA & WO Underwriting
Hendar Dwi Warsono Novita S.Djani Yupiter T H Simbolon Lilik Pangestu Joice Desyana Agustinus Manik
Branch Office
Personal Loan Cash Management Product Large Corporate I Bulk Auction Middle SME Underwriting IT Security
Idha Julia Permata - Thomas Alfa Febby Ferial Dhani Tresno -
Channeling & Partnership I
Mortgage Trade Product Large Corporate II AYDA & WO Asset Sales Large SME Underwriting Personal Data Protection
Santi Widya Sartika Handayani
(PDP) & IT Risk Management
Suhelsy Ronald Oktaviano - Kukuh Tohadiyono Riko Nanda Yudhistira NST
Edy Siswanto
Channeling & Partnership II
Card & Usage Middle Corporate I
Rahel Febrina Custody
Underwriting
Kenny Soangkupon -
Medium Corporate SAM SPC Permadi Hadi Putra
Compliance & AML
Private Banking
Wealth Management Solution Sales
- -
- Tutwuri Anggarwani. K
Glen Leon
Middle & Large
-
Medium Corporate I
Special Purpose Company Corporate Underwriting
(SPC) Management I
Compliance Policy & GCG
Business Deposit & Segment Business Client Delivery Jerry Moniden Syah Jamal Han Ming
Performance & KPI Kimin
Reagan Yuli Dharyanto
- Medium Corporate II Special Purpose Company Middle Corporate II
Customer Experience & (SPC) Management II Underwriting Anti Money Laundering
Aditya Pasha Parma
Performance Risk Control Unit Yopi Suryansyah Herbert Togi Aditya Wahyudi Kurniawan
Management & KPI Suharman Large SME
Large Corporate
Yohanes Christianggoro Special Purpose Company Underwriting
Marketing Communication & Novita S.Djani Corporate Funding (SPC) Management III
Surya Mastopo
Retail Portfolio Management Richter Corporate Legal
Muhammad Azhari Large SME Area Head
Febri Sari Iryawati
Korean Link Underwriting
Zacky Wijaya
-
Corporate Funding I SAM Corporate
Digital -
Corporate Legal
Financial Institution Budhi Dharma DPD & Portfolio RB Agus Purwoko Adi
- Management
Corporate Funding II
Feisel Martha
SAM Corporate I Litigation I
Chitra Lestari Sahala Tua Parulian Simanjuntak
Digital Business & Ecosystem Riko Adrian
Dewi Sekar Mayang
Wholesale Development
Taufik Akbar Zein Credit Related Policy &
- Committee
Korean link Business SAM Corporate II Litigation II
Digital Development & Solution Arianti Anggrahini
Sigit Herman Asep Arif Hidayat
Terra Firyant Firdaus - Asset Quality
SAM Corporate III Management SAM Litigation
Risyad Ahmadi
Korean link Business II Safitri Ayu Puspasari Akhmad Zaenuddin
Muhammad Mario Al Banna
Korean link Business I SAM SME Risk Management
-
Ridwan W. Julianto -
Corporate Credit Planning
SAM SME Region I Enterprise Risk Management
Joonghoon Lee
Andri Yuda Aribowo Purnawan
Operational, Market &
SAM SME Region II
Liquidity Risk Management
Lefrand Tewu Fitri Astuti
SAM SME Region III Credit & Regulatory
Risk Management
-
Priyo Santoso
SAM Retail
Handojo Widodo
Retail Collection
Benny Kristanto
SAM Channeling, Join
Financing & Swamitra
Zulfikar Andiko
SAM Restructuring,
Performance Management
& Policy
Prasetya Dwi Guna
41 Laporan Keberlanjutan 2025 Sustainability Report
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Profil Perusahaan Company Profile
DIRECTORATE LEVEL
Remuneration & Nomination Committee SEVP LEVEL
DIVISION LEVEL
Risk Monitoring Committee
DEPARTMENT LEVEL
Audit Committee
Integrated Governance Committee
Finance Director Strategy Director IT & Operation Director
Jang Hyuk Im Jung Ho Han -
IT
-
Corporate
Treasury & Financial Anti Fraud
Transformation Internal Audit Communication & Human Capital Operation IT Planning
Institution Management
Government Affair
Jung Hwan Kim Song Moo Hur Roby Endrama Purba Antonius Sukriswanto Komala Sari Gamaridha Akhirul AR Armen Damanhuri Bhakti Prabandyo Wicaksono
Audit Professional
Treasury Sales Transformation Office Detection & Investigation President Director Secretary People Strategy & Operations Payment & Settlement IT Operation & Infrastructure
Practices
- Ibrahim Ajie Adiwinata Nissa Nurfitria Berman Rw Sihotang Ati Amalia Shanty Octarie Nababan Ekawati Winarni Hafidh Rizkyanto
Treasury Global Market Insurance Quality Assurance & Corporate Secretary Human Capital Business
Channel & Special Audit
Internal Control Over Partner (HCBP), Talent Trade, Custody &
Ramses Maradona Chatarina Dian. A Financial Report Acquisition & Employee Treasury Operations Core System
Chaerun Rizal Ariz Dian Perkasa
Management
Sri Hastanto
Financial Institution & Shella Gaby Gunawan
- Haris Budiman
Liquidity Channel Strategy, HQ & Subsidiary Audit
- Procurement & Asset - IT Digital & Enterprise
Management Credit Factory Development
- IT Audit Ridho Zamzam
Hery Budi Prasetyo
Finance Rizky Govinda Pandapotan
IT Core System
Channel Strategy Development
Retail Underwriting
Eko Bramantyo
Tri Handoko Tjahyadi Sakti Prawira Mokodompit
Ariyono Sumarlan
Bank Financial Reporting Procurement & Asset
Management Retail Credit Support
Yani Setianingsih
Christina Abdul Rachman Hamid
Tax Management
Corporate Strategy,
Wholesale Credit Support
Andromeda Partnership & Subsidiary
Management
Sopar Marihat Marpaung
I Gusti Ngurah Alit S
Investor Relation
CI & Legal
Adi Pribadi
Mas Roro Rekyanti Saparindijah
Financial Accounting
-
Financial Control
Gigih Aryandanu
Large SME Area Head Regional III Regional VII
• Large SME Area Head IA : Dewi Kartika Sari • BM Bandung : Cerry Marieda • BM Kupang : Muhammad Nasyaruddin
Financial Management
• Large SME Area Head IB : Ign Wisnu Adhi K • BM Hub Cimahi : Sally Riana • BM Denpasar : Addis Pradiptya Putra
• Large SME Area Head II :- • BM Hub Plered : Abdul Aziz • BM Mataram :-
Jihyuk Yang
• Large SME Area Head III : Sandy Christiandi • BM Karawang : Rina Robiani • BM Sorong :-
• Large SME Area Head IV :- • BM Pontianak : Herianda Senjaya
Financial Planning
• Large SME Area Head V : Muh Asrul Hariyono • BM Samarinda : Nicky Nuh
Asnawi • Large SME Area Head VI :- Regional IV • BM Palu :-
• Large SME Area Head VII :- • BM Semarang : Sudartanto Sukmo P • BM Banjarmasin : Nuke Angelini Ikhlas
• BM Purwokerto Surdirman : Kristian Handi Cahyadi • BM Manado : Karel Antonioni Apeles K
• BM Yogyakarta : Minora Simanjuntak • BM Makassar : Lody Deny Langkun
Regional Office • BM Solo : Antonius Amamangu
• Regional Head I : Andhy Zakaria
• Regional Head II :-
• Regional Head III : Irene Indrawaty K Regional V
• Regional Head IV : Esther • BM Malang :-
• Regional Head V :- • BM Surabaya : Munarco Maladi
• Regional Head VI : Adi Harianto • BM Surabaya Lenmarc : Lyvia Christania T
• Regional Head VII :- • BM Kediri : Dhain Atulaka Rissa Asih A
• BM Jember : Tommy Marinda
Regional I
• BM Jakarta Pondok Indah : Indriani Regional VI
• BM Jakarta Kebon Jeruk : Lia Anggraeni Fadjrin • BM Jambi : Anton Wijaya
• BM Jakarta Sentraya : Meiti Wiedyathi • BM Tanjung Pinang :-
• BM Jakarta S Parman : Viddy Hning Kirana • BM Padang :-
• BM Jakarta Gunung Sahari : Irwan Danar Ranti P • BM Medan : Lily
• BM Jakarta Kelapa Gading : Sofian • BM Pekanbaru : Siska Irmawati
• BM Jakarta Saharjo : Ely Delima
Regional VI
Regional II • BM Batam : Saprion Susanto
• BM Jakarta BSD City : Waskito Utomo • BM Palembang : Linggar Maharany
• BM Hub Bintaro : Nisa Rachmawati • BM Bandar Lampung :-
• BM Bekasi Barat : Achmad Firdaus P • BM Medan Setiabudi :-
• BM Bogor : Dimas Pradhana
• BM Cikarang :-
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Bidang Usaha, Produk, dan Jasa [OJK C.4][GRI 2-6]
Business Fields, Products And Services [OJK C.4][GRI 2-6]
Sebagaimana diatur dalam Anggaran Dasar Perusahaan As stipulated in the Company’s Articles of Association
No. 115 Tanggal 26 Juni 2025, pasal 3 (tiga) ayat 2 No. 115 dated June 26, 2025, Article 3 paragraph two
(dua) KB Bank menjalankan kegiatan usaha di industri (2), KB Bank conducts business activities in the banking
jasa perbankan. KB Bank menghadirkan layanan yang services industry. The Company provides services
menjangkau segmen ritel, UMKM, dan wholesale. to the retail, MSME, and wholesale segments. The
Pengembangan ketiga segmen tersebut diperkuat oleh development of these three segments is strengthened
kapabilitas perbankan internasional, treasury, serta by international banking capabilities, treasury services,
layanan berbasis komisi guna menciptakan sumber and fee-based services, creating a more diversified
pendapatan yang lebih terdiversifikasi. income stream.
Dalam menjalankan fungsi intermediasi, KB Bank In carrying out its intermediation function, KB Bank
berfokus pada penghimpunan dana dan penyaluran focuses on fund mobilization and credit distribution
kredit melalui empat pilar bisnis utama, yaitu Mikro, through four main business pillars: Micro, Small, and
Usaha Kecil, Menengah dan Koperasi (UKMK), Ritel, Medium Enterprises and Cooperatives (MSMEC),
serta Wholesale. Struktur ini dirancang untuk menjaga Retail, and Wholesale. This structure is designed to
keseimbangan portofolio sekaligus mendukung maintain portfolio balance while supporting sustainable
pertumbuhan bisnis yang berkelanjutan. business growth.
43 Laporan Keberlanjutan 2025 Sustainability Report
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Profil Perusahaan Company Profile
Produk dan Jasa
Products and Services
Simpanan Giro • Giro KB Bank Rupiah; • KB Bank Rupiah Current Account;
Deposit Current Account • Giro KB Bank Valas; • KB Bank Foreign Currency Current Account;
• Giro Rekening Dana Nasabah (RDN); dan • Customer Fund Account (RDN) Current Account; and
• Giro DHE SDA. • DHE SDA Current Account.
Tabungan • Tabungan SiAga KB Bank; • SiAga KB Bank Savings Account;
Saving • Tabungan SiAga KB Bank Kerjasama; • SiAga KB Bank Cooperative Savings Account;
• Tabungan SiAga KB Bank Rencana; • SiAga KB Bank Planned Savings Account;
• Tabungan SiAga KB Bank Bisnis (Perorangan • SiAga KB Bank Business Savings Account (Individual
dan Badan Usaha); and Corporate);
• Tabungan SiAga KB Bank Premium; • SiAga KB Bank Premium Savings Account;
• Tabungan SiAga KB Bank Valas; • SiAga KB Bank Foreign Currency Savings Account;
• Tabungan SiAga KB Bank Pensiunan; • SiAga KB Bank Pensioner Savings Account;
• Tabungan SIMPEL; • SIMPEL Savings Account;
• Tabungan Digital; • Digital Savings Account;
• Tabunganku; dan • Tabunganku; and
• Planning Account. • Planning Account.
Deposito • Deposito KB Bank Rupiah; • KB Bank Rupiah Time Deposit;
Deposit • Deposito KB Bank Valas; • KB Bank Foreign Currency Time Deposit;
• Deposito Merdeka; • Merdeka Time Deposit;
• Deposito on Call; • Deposit on Call;
• Time Deposit Online; dan • Time Deposit Online; and
• Deposito DHE SDA. • DHE SDA Time Deposit.
Pinjaman Ritel • Kredit Pensiunan; • Pension Loan;
Loans Retail • Kredit Masa Pra Pensiun (MPP); • Pre-Retirement Loan (MPP);
• Kredit Kendaraan Bermotor; • Motor Vehicle Loan;
• Kredit Pemilikan Rumah; • Home Ownership Loan;
• Kredit Serba Guna (KSG); • Multipurpose Loan (KSG);
• Back to Back Loan; • Back to Back Loan;
• Kartu Kredit; • Credit Card;
• Produk Kredit PNS Aktif Channeling BPR; dan • Active Civil Servant Loan Channeling Product
through BPR and
• Kredit Pensiun Channeling (Koperasi dan BPR). • Pension Credit Channeling (Cooperative and BPR).
UMKM • Kredit Modal Kerja (KMK); • Working Capital Loan (KMK);
MSME • Kredit Investasi (KI); • Investment Loan (KI);
• Pinjaman Rekening Koran (PRK); • Current Account Loan (PRK);
• Equipment Financing; • Equipment Financing;
• Pembiayaan Tempat Usaha; • Business Premises Financing;
• Pembiayaan Bank Perkreditan Rakyat (BPR); • Rural Bank (BPR) Financing; and
dan • People’s Business Credit (KUR).
• Kredit Usaha Rakyat (KUR).
Wholesale • Kredit Modal Kerja (KMK) • Working Capital Loan (KMK);
Wholesale • Kredit Investasi (KI); • Investment Loan (KI);
• Pinjaman Rekening Koran (PRK); • Current Account Loan (PRK);
• Kredit Sindikasi; dan • Syndicated Loan; and
• Pinjaman Rekening Koran (PRK) Intraday KPEI. • KPEI Intraday Current Account Loan (PRK) Program.
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Transformation towards a Stronger Sustainable and Inclusive Growth
Jasa Lainnya
Other Services
• Jasa Trade Finance; • Trade Finance Services;
• Cash Management Services; • Cash Management Services;
• Remittance; • Remittance;
• Trading Treasury (Jual Beli Valuta Asing dan Surat Berharga); • Treasury Trading (Foreign Exchange and Securities Trading);
• Layanan Penerima Pembayaran Terkait Public Service; • Public Service-Related Payee Services;
• Electronic Banking (ATM, Mobile Banking dan Internet Banking); • Electronic Banking (ATM, Mobile Banking, and Internet Banking);
• Jasa Kustodian; • Custodian Services;
• Wali Amanat; • Trustee;
• Jasa Arranger dan Keagenan Kredit Sindikasi; • Syndicated Credit Arranger and Agency Services;
• Modul Penerimaan Setoran Negara (MPN); • Core Tax Administration System (CTAS);
• Layanan Melalui Sistem Host to Host; • Services via Host to Host System;
• Penjualan Reksadana; • Mutual Fund Sales;
• Penjualan Bancassurance; • Bancassurance Sales;
• Penjualan Obligasi Negara; • Government Bond Sales;
• KB Bank Prioritas; • KB Bank Priority;
• Jasa Kerjasama Swamitra; • Swamitra Collaboration Services;
• Perbankan Internasional; dan • International Banking; and
• Treasury. • Treasury.
Inovasi Bisnis
Business Innovation
• One KBFG | One KBFG • Social Bond | Social Bond • Supply Chain Financing | Supply Chain Financing
Produk Digital
Digital Products
KBstar KBstar
KBstar merupakan produk unggulan KB Bank yang menghadirkan KBstar is KB Bank’s flagship product, offering integrated digital banking
layanan perbankan digital terintegrasi untuk memudahkan nasabah services to simplify customer transactions and financial management.
dalam bertransaksi dan mengelola keuangan. Melalui KBstar, nasabah Through KBstar, customers can enjoy various features, including
dapat menikmati berbagai fitur seperti pembukaan rekening secara online account opening, online deposits (online time deposit, planning
online, deposito online (online time deposit, planning account, plus account, plus account), fund transfer, payment with QRIS, cardless
account), transfer dana, pembayaran dengan QRIS, cardless withdrawal withdrawal, bill payment, new Debit Card application (online application
(penarikan tunai tanpa kartu), pembayaran tagihan, permohonan and can be sent directly to the address during the application process),
Debit Card baru (permohonan online dan dapat dikirimkan langsung all within a single application. This product is designed to provide a
ke alamat selama proses permohonan) dalam satu aplikasi. Produk fast, secure, and convenient banking experience. Supported by reliable
ini dirancang untuk memberikan pengalaman perbankan yang cepat, digital technology, KBstar is a modern financial solution that meets the
aman, dan praktis. Dengan dukungan teknologi digital yang andal, needs of today’s society. KBstar is also equipped with a multi-layered
KBstar menjadi solusi finansial modern yang relevan dengan kebutuhan security system, such as biometric and PIN features.
masyarakat masa kini. KBstar juga telah dilengkapi dengan sistem
keamanan berlapis, yaitu fitur biometrik dan PIN.
KBstarbiz KBstarbiz
KBstarbiz merupakan layanan unggulan KB Bank yang menghadirkan KBstarbiz is a flagship service of KB Bank that provides a web-
platform corporate banking berbasis web untuk mendukung kebutuhan basedcorporate banking platform to support integrated financial
transaksi dan pengelolaan keuangan nasabah perusahaan secara transactionand management needs for corporate customers. Through
terintegrasi. Melalui KBstarbiz, nasabah korporasi dapat mengakses KBstarbiz,customers can access various features such as account
berbagai fitur seperti informasi rekening (saldo, mutasi, dan rekening information(balance, transaction history, and statements), fund
koran), transfer dana (single, bulk, hingga payroll), pembayaran utilities transfers (single,bulk, and payroll), utility and tax payments, as well as
dan pajak, serta pengelolaan likuiditas melalui fitur cash sweeping dan liquiditymanagement through cash sweeping and cash spreading, all
cash spreading dalam satu platform yang terpusat. within a centralized platform.
Produk ini dirancang untuk memberikan kemudahan, kecepatan, This product is designed to deliver convenience, speed, and
dan kontrol yang lebih baik dalam aktivitas keuangan bisnis sehari- bettercontrol over daily business financial activities. Supported by a
hari. Dengan dukungan sistem real-time dan fitur pelaporan yang realtimesystem and comprehensive reporting features, customers
komprehensif, nasabah dapat memantau dan mengelola transaksi canefficiently monitor and manage their transactions. KBstarbiz
secara efisien. KBstarbiz juga dilengkapi dengan sistem keamanan is alsoequipped with multi-layered security to safeguard data
berlapis untuk menjaga kerahasiaan data dan memastikan setiap confidentialityand ensure that every transaction is conducted securely.
transaksi berjalan dengan aman. Dengan kapabilitas tersebut, KBstarbiz With thesecapabilities, KBstarbiz serves as a relevant digital solution to
menjadi solusi digital yang relevan untuk mendukung operasional dan supportcorporate financial operations and management.
pengelolaan keuangan nasabah korporasi.
45 Laporan Keberlanjutan 2025 Sustainability Report
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Profil Perusahaan Company Profile
Wilayah Operasi [OJK C.3][GRI 2-1]
Operation Area [OJK C.3][GRI 2-1]
KB Bank memiliki jaringan distribusi dan pemasaran KB Bank has an extensive distribution and marketing
yang tersebar luas di 24 provinsi, melalui 1 kantor pusat network across 24 provinces, through 1 operational
operasional, dimana pada tahun 2025 KB Bank memiliki head office, 29 branch offices, 121 sub-branch offices,
29 Kantor Cabang, 121 Kantor Cabang Pembantu dan and 2 functional offices. Information regarding the
2 Kantor Fungsional. Adapun informasi mengenai Bank’s business network and operating areas over the
jaringan bisnis dan wilayah operasi Bank dalam 5 (lima) past 5 (five) years is as follows:
tahun terakhir adalah sebagai berikut:
Jenis Kantor
2025 2024 2023 2022 2021
Office Type
Kantor Pusat Operasional
1 1 1 1 1
Operational Head Office
Kantor Cabang
29 29 29 41 42
Branch Office
Kantor Cabang Pembantu
121 141 143 231 310
Sub-Branch Office
Kantor Fungsional
2 2 1 3 4
Functional Office
Jumlah
153 173 174 276 357
Total
ATM 156 30 11 359 673
1 29 121 2 156
Kantor
Pusat
Operasional
Operational
Head Office Kantor Cabang Kantor Cabang Pembantu Kantor Fungsional
ATM
Branch Office Sub-Branch Office Functional Office
24 Provinsi
Provinces
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Skala Perusahaan [OJK C.3]
Company Scale [OJK C.3]
Keterangan Satuan
2025 2024 2023
Description Unit
Jumlah Karyawan Orang
2.334 2.898 2.618
Number of Employees People
Jumlah Kantor Pusat
Unit 1 1 1
Number of Head Office
Jumlah Kantor Cabang
Unit 29 29 29
Number of Branch Offices
Jumlah Kantor Cabang Pembantu
Unit 121 141 143
Number of Sub-Branch Offices
Jumlah Kantor Fungsional
Unit 2 2 1
Number of Functional Office
ATM Unit 156 30 11
Jumlah Liabilitas Juta Rupiah
81.754.554 75.113.512 70.197.137
Number of Liabilities Million Rupiah
Jumlah Ekuitas Juta Rupiah
8.040.307 7.961.786 14.110.163
Number of Equities Million Rupiah
Jumlah Aset Juta Rupiah
89.794.861 83.075.298 84.307.300
Number of Assets Million Rupiah
Laba (Rugi) Tahun Berjalan Juta Rupiah
66.588 (6.328.620) (6.055.703)
Profit (Loss) for the Year Million Rupiah
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Struktur Kepemilikan Saham [OJK C.3][GRI 2-1]
Shareholding Structure [OJK C.3][GRI 2-1]
KB Financial
Group Inc.
100%
STIC Eugene
Public <5%
Star Holding Inc.
1 6,98% 16,14%
66,88%
KB Bukopin
KB Bank Syariah
Finance
99,24% 95,92%
1 Januari 2025 31 Desember 2025
January 1, 2025 December 31, 2025
Pemegang
Saham Jumlah Saham Jumlah Nominal Kepemilikan Jumlah Saham Jumlah Nominal Kepemilikan
Shareholders (Lembar) (Rp-ribu) (%) (Lembar) (Rp-ribu) (%)
Number of Nominal Amount Ownership Number of Nominal Amount Ownership
Shares (Shares) (Rp thousand) (%) Shares (Shares) (Rp thousand) (%)
KB Kookmin Bank 125.655.736.951 12.565.573.695 66,88 125.655.736.951 12.565.573.695 66,88
STIC Eugene
31.900.000.000 3.190.000.000 16,98 31.900.000.000 3.190.000.000 16,98
Star Holding Inc.
Public <5%* 30.331.802.919 3.244.426.274 16,14 30.331.802.919 3.244.426.274 16,14
Total Modal
disetor dan
Ditempatkan
187.887.539.870 18.999.999.969 100,00 187.887.539.870 18.999.999.969 100
Total Issued
and Paid-up
Capital
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Kepemilikan Saham [OJK C.3][GRI 2-1]
Share Ownership [OJK C.3][GRI 2-1]
1 Januari 2025 31 Desember 2025
January 1, 2025 December 31, 2025
Pemegang Saham
Jumlah Saham Jumlah Nominal Kepemilikan Jumlah Saham Jumlah Nominal Kepemilikan
Shareholders (Lembar) (Rp-ribu) (%) (Lembar) (Rp-ribu) (%)
Number of Nominal Amount Ownership Number of Nominal Amount Ownership
Shares (Shares) (Rp thousand) (%) Shares (Shares) (Rp thousand) (%)
Pemodal Nasional
National Investor
Perorangan Indonesia
Indonesian Individual 71.218 22.048.104.315 11,73 79.224 22.854.551.349 12,16
Koperasi
Cooperatives 30 905.628.839 0,48 30 901.770.239 0,48
Yayasan
Foundation 2 3.099.962 0,00 4 3.100.824 0,00
Dana Pensiun
Pension Fund 8 18.028.342 0,01 7 18.028.342 0,01
Asuransi
Insurance 5 16.830.900 0,01 5 26.023.800 0,01
Bank
Bank 2 17.594.220 0,01 2 17.594.220 0,01
Perseroan Terbatas
Limited Liability Company 138 4.515.688.346 2,40 139 4.548.564.215 2,42
Reksadana
Mutual Funds 1 13.570.000 0,01 6 66.782.800 0,04
Subtotal 71.404 27.538.544.924 14,66 79.417 28.436.415.789 15,13
Pemodal Asing
Foreign Investor
Perorangan Asing
Foreign Individual 95 168.810.385 0,09 96 204.960.864 0,11
Badan Usaha Asing
Foreign Business Entity 59 160.180.184.561 85,25 52 159.246.163.217 84,76
Subtotal 154 160.348.994.946 85,34 148 159.451.124.081 84,87
Total 71.558 187.887.539.870 100 79.565 187.887.539.870 100
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Demografi Karyawan [OJK C.3][GRI 2-7]
Employee Demographic [OJK C.3][GRI 2-7]
Pada 2025, jumlah karyawan KB Bank tercatat sebanyak In 2025, KB Bank recorded a total of 2,334 employees,
2.334 orang, menurun 19,46% dibandingkan pada representing a decrease of 19.46% compared to the
tahun sebelumnya. Penurunan ini lebih disebabkan previous year. This decline was primarily attributable
oleh optimalisasi terkait struktur organisasi dan to optimization related to the organizational structure
jumlah SDM. and workforce size.
Jumlah Pegawai Berdasarkan Level Organisasi dan Jenis Kelamin
Number of Employees by Organizational Level and Gender
2025 2024 2023
Level Organisasi
Organization Level Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
Division Head EVP SVP
Division Head EVP SVP 22 6 28 1,20 22 2 24 0,83 15 2 17 0,65
Regional Head
SVP REG BISNIS
Regional Head 2 2 4 0,17 4 3 7 0,24 3 1 4 0,15
SVP REG BISNIS
Dept Head VP
Dept Head VP 58 21 79 3,38 59 19 78 2,69 53 10 63 2,41
Branch Manager
Branch Manager 23 17 40 1,71 29 11 40 1,38 29 6 35 1,34
Manager
Manager 342 135 477 20,44 331 141 472 16,29 296 122 418 15,97
Coordinator
Coordinator 108 131 239 10,24 124 146 270 9,32 108 112 220 8,40
Officer
Officer 424 490 914 39,16 583 620 1.203 41,51 430 317 747 28,53
Clerical
Clerical 317 236 553 23,69 454 350 804 27,74 570 544 1.114 42,55
Non Staff
Non Staff 0 0 0 0 0 0 0 0 0 0 0 0
Total
1.296 1.038 2.334 100 1.606 1.292 2.898 100 1.504 1.114 2.618 100
Total
Jumlah Pegawai berdasarkan Tingkat Pendidikan dan Jenis Kelamin
Number of Employees based on the Education Level and Gender
Tingkat 2025 2024 2023
Pendidikan
Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Education Level % % %
Male Female Total Male Female Total Male Female Total
SMA
High School 4 4 8 0,34 7 6 13 0,45 8 6 14 0,53
Diploma - Sarjana
Diploma - 1.201 991 2.192 93,92 1.501 1.241 2.742 94,62 1.375 1.057 2.432 92,90
Undergraduate
Pascasarjana -
Doktoral
Postgraduate - 91 43 134 5,74 98 45 143 4,93 121 51 172 6,57
Doctoral
Total
1.296 1.038 2.334 100 1.606 1.292 2.898 100 1.504 1.114 2.618 100
Total
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Jumlah Pegawai Berdasarkan Rentang Usia dan Jenis Kelamin
Number of Employees based on the Age Range and Gender
2025 2024 2023
Rentang Usia
Age Range Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
20-24 Tahun
38 83 121 5,18 120 209 329 11,35 73 100 173 6,61
20-24 years old
25-29 Tahun
203 276 479 20,52 294 339 633 21,84 258 322 580 22,15
25-29 years old
30-34 Tahun
253 232 485 20,78 344 274 618 21,33 386 264 650 24,83
30-34 years old
35-39 Tahun
328 202 530 22,71 380 215 595 20,53 341 188 529 20,21
35-39 years old
40-44 Tahun
242 120 362 15,51 246 152 398 13,73 238 142 380 14,51
40-44 years old
45-49 Tahun
144 94 238 10,20 132 78 210 7,25 123 79 202 7,72
45-49 years old
50-54 Tahun
65 25 90 3,86 70 20 90 3,11 75 18 93 0,04
50-54 years old
>55 Tahun
23 6 29 1,24 20 5 25 0,86 10 1 11 0,004
>55 years old
Total
1.296 1.038 2.334 100 1.606 1.292 2.898 100 1.504 1.114 2.618 100
Total
Jumlah Pegawai Berdasarkan Masa Kerja dan Jenis Kelamin
Number of Employees based on Work Period and Gender
2025 2024 2023
Masa Kerja
Work Period Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
<5 Tahun
583 533 1.116 47,81 756 740 1.496 51,62 576 508 1.084 41,41
<5 years old
>5-10 Tahun
175 169 344 14,74 254 177 431 14,87 370 241 611 23,34
>5-10 years old
>10-15 Tahun
288 169 457 19,58 344 186 530 18,29 299 161 460 17,57
>10-15 years old
>15-20 Tahun
125 68 193 8,27 127 93 220 7,59 133 106 239 9,13
>15-20 years old
>20-25 Tahun
88 67 155 6,64 74 74 148 5,11 77 66 143 5,46
>20-25 years old
>25-30 Tahun
32 31 63 2,70 41 19 60 2,07 35 23 58 2,22
>25-30 years old
>30 Tahun
5 1 6 0,26 10 3 13 0,45 14 9 23 0,88
>30 years old
Total
1.296 1.038 2.334 100 1.606 1.292 2.898 100 1.504 1.114 2.618 100
Total
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Jumlah Pegawai Berdasarkan Status Kepegawaian dan Jenis Kelamin
Number of Employees based on Employment Status and Gender
2025 2024 2023
Status Kepegawaian
Employment Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
Karyawan Tetap
Permanent Employee 1.161 906 2.067 88,56 1.363 1.007 2.370 81,78 1.247 917 2.164 82,66
Karyawan Tidak
Tetap (Kontrak)
Non-Permanent 135 132 267 11,44 243 285 528 18,22 257 197 454 17,34
Employee (Contract)
Total
1.296 1.038 2.334 100 1.606 1.292 2.898 100 1.504 1.114 2.618 100
Total
Jumlah Pegawai Berdasarkan Status Kepegawaian dan Wilayah Penempatan
Number of Employees based on Employment Status and Placement Area
2025 2024 2023
Status Kepegawaian Kantor Kantor di Kantor Kantor di Kantor Kantor di
Employment Status Pusat Daerah Jumlah Pusat Daerah Jumlah Pusat Daerah Jumlah
% % %
Head Regional Total Head Regional Total Head Regional Total
Office Office Office Office Office Office
Karyawan Tetap
868 1.199 2.067 88,56 927 1.443 2.370 81,78 808 1.356 2.164 82,65
Permanent Employee
Karyawan Tidak
Tetap (Kontrak)
Non-Permanent 109 158 267 11,44 235 293 528 18,22 206 228 454 17,35
Employee
(Contract)
Total
977 1.357 2.334 100 1.162 1.736 2.898 100 1.034 1.584 2.618 100
Total
Komposisi Berdasarkan Level Jabatan dan Jenis Kelamin
Composition based on Job Level and Gender
Laki-laki Perempuan
Level Jabatan Male Female
Job Level Jumlah Karyawan Persentase Jumlah Karyawan Persentase
Number of Employees Percentage Number of Employees Percentage
Entry-level 741 57,18 726 69,94
Mid-level 108 8,33 131 12,62
Senior-level 342 26,39 135 13,01
Executive-level 105 8,10 46 4,43
Total Pegawai
1.296 100 1.038 100
Total Employees
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Komposisi Berdasarkan Rentang Usia, Level Jabatan, dan Jenis Kelamin
Composition based on Age Range, Job Level, and Gender
Level Jabatan
Job Level
Rentang Usia Jumlah
Entry-level Mid-level Senior-level Executive-level
Age Range Pegawai
Pria Wanita Pria Wanita Pria Wanita Pria Wanita Number of
Male Female Male Female Male Female Male Female Employees
18-25 45 91 0 0 0 0 0 0 136
25-35 369 430 33 45 51 23 2 2 955
35-45 255 165 52 63 205 72 54 23 889
45-55 66 39 21 23 84 38 36 18 325
>55 6 1 2 0 2 2 13 3 29
Tenaga Kerja Bukan Karyawan [GRI 2-8]
Non-Direct Workers [GRI 2-8]
2025 2024 2023
Statu
Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
% % %
Male Female Total Male Female Total Male Female Total
Pekerja Alih Daya
187 116 303 95,28 482 221 703 96,17 1.036 292 1.328 100
Outsourced Workers
Pekerja Magang
5 10 15 4,72 16 12 28 3,83 0 0 0 0
Intern
Total
192 126 318 100 498 233 731 100 1.036 292 1.328 100
Total
Rantai Pasokan [GRI 2-6]
Supply Chain [GRI 2-6]
Untuk mendukung kegiatan usaha, KB Bank bekerja To support its business activities, KB Bank collaborates
sama dengan berbagai pemasok dalam penyediaan with various suppliers in the provision of goods such
barang seperti perlengkapan kantor, perangkat as office supplies, technology equipment, operational
teknologi, mesin operasional, hingga infrastruktur machines, IT infrastructure, as well as professional
IT, serta layanan profesional mulai dari konsultansi, services ranging from consultancy, training, and audits
pelatihan, audit, hingga jasa kontraktor. Pola kemitraan to contractor services. Partnership arrangements are
disesuaikan dengan kebutuhan, baik jangka panjang, tailored to operational needs, whether long-term,
jangka pendek, maupun berbasis proyek, dengan tetap short-term, or project-based, while consistently
mengedepankan standar kualitas yang telah ditetapkan. upholding established quality standards.
Sejalan dengan komitmen mendukung perekonomian In line with its commitment to supporting the local
lokal, KB Bank memprioritaskan pemasok domestik, economy, KB Bank prioritizes domestic suppliers, while
sementara kerja sama dengan mitra internasional cooperation with international partners is carried out
dilakukan secara selektif apabila kebutuhan tidak dapat selectively when needs cannot be fulfilled locally.
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dipenuhi di dalam negeri. Pendekatan geografis ini juga This geographical approach also contributes to
berkontribusi pada upaya pengurangan jejak karbon efforts to reduce the carbon footprint through shorter
melalui jarak distribusi yang lebih pendek. [GRI 3-3] distribution distances. [GRI 3-3]
Jumlah Pemasok dan Nilai Kontrak [GRI 204-1]
Total Supplier and Contract Value [GRI 204-1]
Jumlah Pemasok Barang Nilai Kontrak Pekerjaan (Rp Miliar)
Keterangan Number of Goods Supplier Value of Job Contract (Billion IDR)
Description
2025 2024 2023 2025 2024 2023
Indonesia 58 47 83 15,75 29,33 1.084
Luar Negeri
0 1 1 0 2,12 3,20
Abroad
Jumlah
58 48 84 15,75 31,45 1.087
Total
Jumlah Pemasok Jasa
Number of Suppliers
Jumlah Pemasok Barang Nilai Kontrak Pekerjaan (Rp Miliar)
Keterangan Number of Goods Supplier Value of Job Contract (Billion IDR)
Description
2025 2024 2023 2025 2024 2023
Indonesia 122 57 42 352,27 36,8 66,30
Luar Negeri
7 8 0 7,12 2,9 0
Abroad
Jumlah
129 65 42 359,40 39,7 66,30
Total
Perubahan Pada tahun 2025 terjadi penurunan
jumlah karyawan 564 orang serta
In 2025, there was a decrease of
564 employees and a reduction
Signifikan [OJK C.6]
pengurangan 20 kantor cabang
dan 126 unit ATM.
of 20 branch offices and 126 ATM
units.
Significant Changes [OJK C.6]
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Penghargaan
Awards
Nama Penghargaan Nama Penghargaan
Award Name Award Name
Penghargaan Mitra ATM Bersama Award 2025
Bayar 2025
Mitra Bayar Award 2025
Kategori
Category
Kategori
The Most Transaction
Category Growth Issuer
Excellence in
Administration and
Reporting Diberikan Oleh
Organizer
Diberikan Oleh PT Artajasa Pembayaran
Elektronis (Artajasa)
Organizer
PT ASABRI (Persero)
Nama Penghargaan Nama Penghargaan
Award Name Award Name
The Biggest Real Eco-Innovation
Estate Summit &
AREBI Awards 2025
Kategori
Category
Kategori
ESG Appreciation 2025
Category
Best Innovative Bank
Diberikan Oleh
Diberikan Oleh Organizer
Organizer B-Universe
AREBI
Nama Penghargaan
Award Name
The 16th IICD Corporate
Governance Conference and
Award
Kategori
Category
Top 50 Middle
Capitalization Public
Listed Company
Diberikan Oleh
Organizer
Indonesian Institute for
Corporate Directorship (IICD)
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Sertifikasi
Certifications Nama Sertifikasi Kategori
Certification Name Category
ISO 27001 IT Security
Management Systems
Diberikan Oleh Periode Sertifikasi
Organizer Certification Period
Bureau Veritas Mei 2025
Indonesia May 2025
Keanggotaan Asosiasi [OJK C.5][GRI 2-28]
Association Membership [OJK C.5][GRI 2-28]
KB Bank berpartisipasi aktif dalam sejumlah asosiasi KB Bank actively participates in various banking
dan organisasi industri perbankan sebagai bagian industry associations and organizations as part of its
dari upaya memperkuat wawasan strategis serta efforts to strengthen strategic insight and maintain
menjaga relevansi terhadap dinamika sektor keuangan. relevance to the dynamics of the financial sector. This
Keterlibatan ini memungkinkan KB Bank mengikuti involvement enables KB Bank to stay informed about
perkembangan isu-isu terkini sekaligus berkontribusi current issues while contributing to the exchange of
dalam pertukaran gagasan dan penyusunan pandangan ideas and the formulation of industry perspectives.
industri. Sepanjang 2025, KB Bank tercatat sebagai Throughout 2025, KB Bank was recorded as a member
anggota pada beberapa asosiasi dan organisasi berikut: of the following associations and organizations:
Nama Organisasi Status
Organization Name Status
Anggota
ICC (International Chambers of Commerce)
Member
AWAI (Asosiasi Wali Amanat Indonesia) Anggota
AWAI (Indonesian Trustee Association) Member
ABKI (Asosiasi Bank Kustodian Indonesia) Anggota
ABKI (Indonesian Custodian Bank Association) Member
Anggota
SIPF (Securities Investor Protection Fund)
Member
PERBANAS Anggota
PERBANAS Member
Lembaga Penjamin Simpanan Anggota
Deposit Insurance Corporation Member
Asosiasi Emiten Indonesia (AEI) Anggota
Association of Indonesian Issuers (AEI) Member
Asosiasi Sistem Pembayaran Indonesia (ASPI) Anggota
Indonesian Payment System Association (ASPI) Member
Lembaga Alternatif Penyelesaian Sengketa (LASP) Anggota
Alternative Dispute Resolution Institution (LASP) Member
Forum Komunikasi Direktur Kepatuhan Perbankan (FKDKP) Anggota
Banking Compliance Director Communication Forum (FKDKP) Member
Asosiasi Pengusaha Indonesia (APINDO) Anggota Luar Biasa
Indonesian Employer’s Association (APINDO) Extraordinary Member
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Tata Kelola Berkelanjutan Sustainability Governance
Tata Kelola
Keberlanjutan
Sustainability Governance
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Tata Kelola Keberlanjutan
Sustainability Governance
Komitmen Penerapan Tata Kelola Commitment To Good Corporate
Governance Implementation
Penerapan Tata Kelola Perusahaan yang Baik (Good The implementation of Good Corporate Governance
Corporate Governance/GCG) menjadi fondasi utama (GCG) serves as the main foundation for KB Bank in
bagi KB Bank dalam menjalankan kegiatan usaha conducting its business activities in a prudent and
secara prudent dan berkelanjutan. Implementasi sustainable manner. The implementation of GCG
GCG di seluruh lini organisasi membantu memastikan across all levels of the organization helps ensure that
proses bisnis berlangsung secara terarah, memperkuat business processes are carried out in a structured
pengendalian risiko, serta mendukung efektivitas dan manner, strengthens risk control, and supports the
akuntabilitas kinerja manajemen. effectiveness and accountability of management
performance.
Sejalan dengan komitmen tersebut, KB Bank terus In line with this commitment, KB Bank continues to
mengadopsi praktik GCG yang relevan dengan adopt GCG practices that are relevant to industry
perkembangan industri dan berupaya menyempurnakan developments and strives to continuously enhance
implementasinya secara berkelanjutan. Dengan tata its implementation. With increasingly effective
kelola yang semakin efektif, KB Bank optimistis dapat governance, KB Bank is optimistic about its ability
merespons dinamika industri Perbankan, mengelola to respond to the dynamics of the Banking industry,
risiko dengan lebih baik, serta memperkuat posisinya manage risks more effectively, and strengthen its
di tengah persaingan. position amid competition.
Prinsip Tata Kelola Principles of Governance
KB Bank berpedoman pada POJK No. 17 Tahun KB Bank refers to POJK No. 17 of 2023 on the
2023 tentang Penerapan Tata Kelola bagi Bank Implementation of Governance for Commercial Banks,
Umum, yang menekankan prinsip transparansi, which emphasizes the principles of transparency,
akuntabilitas, tanggung jawab, independensi, dan accountability, responsibility, independence, and
kewajaran sebagai landasan pengelolaan perusahaan. fairness as the foundation of corporate management.
KB Bank juga merujuk Pedoman Umum Governansi KB Bank also refers to the General Guidelines for
Korporat Indonesia (PUG-KI) yang diterbitkan Komite Indonesian Corporate Governance (PUG-KI) issued
Nasional Kebijakan Governance (KNKG). Pedoman ini by the National Committee for Governance Policy
menekankan empat pilar utama yakni perilaku beretika, (KNKG). These guidelines emphasize four main pillars,
akuntabilitas, transparansi, dan keberlanjutan, sebagai namely ethical behavior, accountability, transparency,
penguatan atas nilai dasar tata kelola sebelumnya. and sustainability, to reinforce previous core
governance values.
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Tata Kelola Berkelanjutan Sustainability Governance
Struktur dan Komposisi Tata Kelola Structure and Composition of
Perusahaan [GRI 2-9][GRI 2-11] Corporate Governance [GRI 2-9][GRI 2-11]
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioner Board of Directors
1. Komite Audit 1. Komite Manajemen Risiko;
2. Komite Pemantau Risiko 2. Komite Manajemen Aset dan Liabilitas Business Unit
3. Komite Remunerasi & Nominasi (ALCO);
4. Komite Tata Kelola Terintegrasi 3. Komite Pengarah Teknologi Informasi;
4. Komite Kredit;
1. Audit Committee 5. Komite Kebijakan Perkreditan;
2. Risk Monitoring Committee 6. Komite Kredit Retail;
3. Remuneration & Nomination 7. Komite Support TI;
Committee 8. Komite Disiplin Karyawan (KDK);
4. Integrated Governance Committee 9. Komite Human Capital;
10. Komite Pengadaan Barang dan Jasa; serta
11. Komite Pengendali Internal.
1. Risk Management Committee;
2. Assets and Liabilities Management
Committee (ALCO);
3. Information Technology Steering Committee;
4. Credit Committee;
5. Credit Policy Committee;
6. Retail Credit Committee;
7. IT Support Committee;
8. Employee Discipline Committee (KDK);
9. Human Capital Committee;
10. Goods and Services Procurement
Committee; and
11. Internal Control Committee.
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Rapat Umum Pemegang Saham General Meeting of Shareholders
(RUPS) (GMS)
Rapat Umum Pemegang Saham (RUPS) merupakan The General Meeting of Shareholders (GMS) is the
organ tertinggi dalam struktur tata kelola perusahaan highest governing body within the Company’s corporate
yang memiliki kewenangan di luar mandat Dewan governance structure, vested with authority beyond
Komisaris dan Direksi, sebagaimana diatur dalam that of the Board of Commissioners and the Board of
Anggaran Dasar serta ketentuan perundang-undangan. Directors, as stipulated in the Articles of Association
Forum ini menjadi wadah bagi pemegang saham untuk and prevailing laws and regulations. This forum serves
memberikan arahan strategis sekaligus memastikan as a platform for shareholders to provide strategic
pengelolaan perusahaan berjalan selaras dengan direction while ensuring that the management of the
kepentingan jangka panjang perusahaan. Company remains aligned with its long-term interests.
Selain itu, RUPS berfungsi sebagai mekanisme Furthermore, the GMS functions as a mechanism
akuntabilitas di mana Dewan Komisaris dan of accountability through which the Board of
Direksi menyampaikan laporan kinerja serta Commissioners and the Board of Directors present
mempertanggungjawabkan pelaksanaan tugasnya. performance reports and are held responsible for
Melalui pengambilan keputusan atas berbagai agenda the execution of their duties. Through decisions on
strategis, RUPS turut menentukan arah pertumbuhan, various strategic agendas, the GMS plays a key role
sasaran usaha, dan prioritas Bank ke depan. in determining the Bank’s future growth direction,
business objectives, and future priorities of the Bank.
Sesuai dengan Anggaran Dasar pada Bagian RUPS In accordance with the Articles of Association, the
disebutkan bahwa RUPS terdiri dari 2 yaitu RUPS section on the GMS stipulates that the GMS consists of
Tahunan dan RUPS Luar Biasa: two types: the Annual GMS and the Extraordinary GMS:
1. RUPS Tahunan 1. Annual GMS
RUPS ini dilaksanakan paling lambat 6 (enam) bulan The AGMS is convened no later than six (6)
setelah berakhirnya tahun buku. Agenda utama months after the end of the financial year. The
RUPS Tahunan terdiri dari pengajuan Laporan main agenda of the AGMS includes the submission
Keuangan dan Laporan Tahunan dari Direksi untuk of the Financial Statements and the Annual
disahkan dan disetujui oleh Pemegang Saham, Report by the Board of Directors for approval and
melakukan penunjukan Kantor Akuntan Publik ratification by the Shareholders, the appointment
untuk tahun depan, memutuskan penggunaan laba, of a Public Accounting Firm for the following year,
mengangkat atau memberhentikan anggota Direksi the determination of profit appropriation, the
atau anggota Dewan Komisaris dan memutuskan appointment or dismissal of members of the Board
hal-hal lain yang diperlukan. of Directors or the Board of Commissioners, as well
as other necessary matters.
2. RUPS Luar Biasa 2. Extraordinary GMS
Pelaksanaan RUPS Luar Biasa dapat The EGMS may be convened at any time as required
diselenggarakan kapan saja sesuai keperluan by the Bank, either by the Board of Directors or
Bank oleh Direksi ataupun Dewan Komisaris, atas the Board of Commissioners, upon request of the
permintaan dari Pemegang Saham. Shareholders.
Dewan Komisaris [GRI 2-11] Board of Commissioners [GRI 2-11]
Dewan Komisaris berperan sebagai organ pengawas The Board of Commissioners serves as the supervisory
yang secara kolektif bertanggung jawab memantau body that is collectively responsible for overseeing
jalannya pengelolaan Bank serta memberikan arahan the management of the Bank and providing strategic
strategis kepada Direksi. Melalui fungsi tersebut, Dewan guidance to the Board of Directors. Through this role, the
Komisaris memastikan kegiatan usaha berlangsung Board of Commissioners ensures that business activities
secara efektif, terkendali, dan selaras dengan prinsip are conducted effectively, in a controlled manner, and
tata kelola yang baik di seluruh lapisan organisasi. in accordance with the principles of good corporate
governance across all levels of the organization.
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Anggota Dewan Komisaris diangkat dan diberhentikan Members of the Board of Commissioners are appointed
oleh RUPS melalui proses fit and proper test and dismissed by the GMS through a fit and proper
sesuai kualifikasi yang ditetapkan serta mengacu test process in line with the prescribed qualifications,
pada Anggaran Dasar dan peraturan perundang- and in accordance with the Articles of Association
undangan. Dalam menjalankan mandatnya, Dewan and prevailing laws and regulations. In carrying out its
Komisaris mempertanggungjawabkan pelaksanaan mandate, the Board of Commissioners is accountable to
fungsi pengawasan kepada RUPS sebagai wujud the GMS for the execution of its supervisory function, as
akuntabilitas sekaligus penguatan implementasi Good a manifestation of accountability and the strengthening
Corporate Governance. [GRI 2-10] of Good Corporate Governance implementation. [GRI 2-10]
Adapun informasi lebih detail mengenai Komposisi, Further detailed information regarding the Composition,
Kriteria, Tugas, Hak, Kewajiban, dan lain sebagainya Criteria, Duties, Rights, Obligations, and other matters
mengenai Dewan Komisaris dapat dilihat lebih lanjut related to the Board of Commissioners is presented in
pada Laporan Tahunan KB Bank 2025 pada bab Tata the KB Bank Annual Report 2025, under the Corporate
Kelola Perusahaan. [GRI 202-2][GRI 405-1] Governance chapter. [GRI 202-2][GRI 405-1]
Direksi Board of Directors
Direksi merupakan organ yang memiliki tanggung The Board of Directors is the governing body that
jawab penuh atas pengelolaan perusahaan sesuai bears full responsibility for managing the Company in
dengan maksud dan tujuan yang telah ditetapkan, accordance with its stated purposes and objectives,
sekaligus mewakili Bank baik di dalam maupun di luar while also representing the Bank both inside and outside
pengadilan sebagaimana diatur dalam Anggaran Dasar. the court, as stipulated in the Articles of Association.
Peran ini mencakup pengambilan keputusan strategis This role encompasses strategic decision-making as
serta pengawasan terhadap pelaksanaan operasional well as oversight of operational execution to ensure
agar berjalan selaras dengan arah bisnis perusahaan. alignment with the Company’s business direction.
Anggota Direksi diangkat dan diberhentikan oleh RUPS Members of the Board of Directors are appointed
melalui proses fit and proper test yang mengacu pada and dismissed by the GMS through a fit and proper
kualifikasi yang ditetapkan, ketentuan Anggaran Dasar, test process, in accordance with the prescribed
serta Undang-Undang Perseroan Terbatas, dengan qualifications, the Articles of Association, and the
menjunjung tinggi profesionalisme dan prinsip tata Limited Liability Company Law, while upholding
kelola yang baik. Direksi mempertanggungjawabkan professionalism and the principles of good corporate
kinerjanya kepada RUPS sebagai bentuk akuntabilitas governance. The Board of Directors is accountable
atas pengelolaan Perseroan sekaligus tolak ukur to the GMS for its performance, serving as a form of
pencapaian target yang telah ditetapkan dalam accountability for the management of the Company
kerangka GCG. Dalam konteks keberlanjutan, Direksi as well as a benchmark for the achievement of targets
berperan dalam memimpin penyusunan rencana established within the GCG framework. In the context
aksi keuangan berkelanjutan dan memantau kinerja of sustainability, the Board of Directors plays a role in
keberlanjutan secara keseluruhan. [GRI 2-10][GRI 2-12] leading the preparation of sustainable finance action
plans and monitoring overall sustainability performance.
[GRI 2-10][GRI 2-12]
Sedangkan dalam penyusunan Laporan Keberlanjutan, In the preparation of the Sustainability Report, the
Direksi tidak hanya memberikan persetujuan atas Board of Directors not only provides approval of
topik material yang diungkapkan, tetapi juga secara the material topics disclosed, but also consistently
konsisten mendorong peningkatan kualitas dan encourages improvements in the quality and
kelengkapan laporan. Upaya ini dilakukan agar completeness of the report. This effort is undertaken to
penyusunan laporan tetap selaras dengan standar ensure that the report remains aligned with applicable
yang berlaku, termasuk POJK Keuangan Berkelanjutan standards, including the Sustainable Finance POJK
dan GRI Universal Standards 2021, serta mampu and the GRI Universal Standards 2021, and is able to
merepresentasikan kinerja keberlanjutan KB Bank present KB Bank’s sustainability performance in a more
secara lebih komprehensif. [GRI 2-14] comprehensive manner. [GRI 2-14]
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Adapun informasi lebih detail mengenai Komposisi, Further detailed information regarding the Composition,
Kriteria, Tugas, Hak, Kewajiban, dan lain sebagainya Criteria, Duties, Rights, Obligations, and other matters
mengenai Direksi dapat dilihat lebih lanjut pada related to the Board of Directors can be found in the
Laporan Tahunan KB Bank 2025 pada bab Tata KB Bank Annual Report 2025, under the Corporate
Kelola Perusahaan. [GRI 202-2][GRI 405-1] Governance chapter. [GRI 202-2][GRI 405-1]
Kebijakan Remunerasi [GRI 2-19][GRI 2-20] Remuneration Policy [GRI 2-19][GRI 2-20]
Remunerasi untuk Dewan Komisaris dan Direksi KB Remuneration for KB Bank’s Board of Commissioners
Bank disesuaikan dengan ketentuan yang tercantum and Board of Directors is determined in line with the
dalam Peraturan OJK No. 45/POJK.03/2015 tentang provisions set out in OJK Regulation (POJK) No. 45/
Penerapan Tata Kelola dalam Pemberian Remunerasi POJK.03/2015 on the Implementation of Governance in
bagi Bank Umum, serta Surat Edaran Otoritas Jasa Providing Remuneration for Commercial Banks and OJK
Keuangan No. 40/SEOJK.03/2016 tentang Penerapan Circular No. 40/SEOJK.03/2016 on the Implementation
Tata Kelola dalam Pemberian Remunerasi Bank Umum. of Governance in Providing Remuneration for
Keputusan terkait remunerasi juga dibahas dan Commercial Banks. Decisions related to remuneration
disetujui dalam Rapat Umum Pemegang Saham (RUPS) are also discussed and approved at the General
setiap tahunnya. Selain itu, sistem remunerasi dan Meeting of Shareholders (GMS) annually. In addition,
kesejahteraan pekerja dievaluasi secara berkala dan the remuneration and employee welfare system is
berkelanjutan. Beberapa faktor yang dipertimbangkan reviewed periodically and continuously. Several factors
dalam evaluasi ini antara lain adalah: considered in this evaluation include, among others:
1. Kinerja Keuangan Bank; 1. The Bank’s financial performance;
2. Kompetensi dan kinerja pekerja; 2. Employee competence and performance;
3. Praktik remunerasi yang berlaku di pasar. 3. Prevailing remuneration practices in the market.
KB Bank menegaskan komitmennya untuk menerapkan KB Bank reaffirms its commitment to implementing
sistem remunerasi yang adil, kompetitif, dan seimbang a remuneration system that is fair, competitive, and
bagi seluruh karyawan. Bank ini menjamin bahwa balanced for all employees. The Bank ensures that no
tidak ada karyawan yang menerima kompensasi di employee receives compensation below the minimum
bawah standar yang telah ditetapkan oleh Pemerintah. standards stipulated by the Government. In addition,
Selain itu, KB Bank secara rutin meninjau dan KB Bank regularly reviews and updates its remuneration
memperbarui kebijakan remunerasi agar sesuai policies to align with industry developments and
dengan perkembangan industri serta strategi bisnis the Company’s business strategy. These measures
perusahaan. Langkah ini diambil untuk memastikan are taken to ensure that the remuneration system
sistem remunerasi tetap relevan dan sesuai dengan remains relevant and compliant with applicable
peraturan Perbankan yang berlaku. Banking regulations.
Remunerasi Dewan Komisaris Remuneration of the Board of Commissioners
Besaran remunerasi serta fasilitas lain yang diberikan The amount of remuneration and other facilities
bagi Dewan Komisaris akan ditetapkan di dalam granted to members of the Board of Commissioners
RUPS Tahunan oleh Pemegang Saham dengan is determined at the Annual GMS by the Shareholders,
memperhatikan rekomendasi dari Komite Remunerasi taking into account the recommendations of the
dan Nominasi. Remuneration and Nomination Committee.
Prosedur penetapan remunerasi Dewan Komisaris The procedure for determining the remuneration of
adalah sebagai berikut: Board of Commissioners is as follows:
1. Pemegang Saham melakukan pembahasan pada 1. Shareholders conduct deliberations at the GMS;
RUPS;
2. RUPS memberikan wewenang dan kuasa kepada 2. The GMS grants authority and power to the Board
Dewan Komisaris untuk menetapkan besaran of Commissioners to determine the amount of
remunerasi; remuneration;
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3. Komite Remunerasi dan Nominasi melakukan 3. The Remuneration and Nomination Committee
kajian dan evaluasi untuk menentukan remunerasi conducts a review and evaluation to determine the
bagi Dewan Komisaris; remuneration for the Board of Commissioners;
4. Komite Remunerasi dan Nominasi memberikan 4. The Remuneration and Nomination Committee
rekomendasi kepada Dewan Komisaris; submits its recommendations to the Board of
Commissioners;
5. Dewan Komisaris melakukan pembahasan 5. The Board of Commissioners discusses the
atas usulan Komite Remunerasi dan Nominasi proposal of the Remuneration and Nomination
untuk kemudian diusulkan melalui surat kepada Committee and subsequently submits it in writing
Pemegang Saham Pengendali; to the Controlling Shareholder;
6. Surat Penetapan oleh Pemegang Saham Pengendali 6. The Controlling Shareholder issues a Letter of
kepada Dewan Komisaris; Determination to the Board of Commissioners;
7. Surat Dewan Komisaris kepada Direksi tentang 7. The Board of Commissioners issues a letter to the
Penetapan Remunerasi Dewan Komisaris dan Board of Directors regarding the determination of
Direksi. remuneration for the Board of Commissioners and
the Board of Directors.
Indikator yang digunakan dalam menentukan The indicators used in determining the remuneration of
Remunerasi anggota Dewan Komisaris adalah sebagai members of the Board of Commissioners are as follows:
berikut:
1. Remunerasi yang berlaku pada industri Perbankan 1. Remuneration practices prevailing in the Banking
dan skala usaha dari KB Bank dalam industri industry and the scale of KB Bank’s business within
Perbankan; the Banking sector;
2. Tugas, tanggung jawab dan wewenang anggota 2. The duties, responsibilities, and authorities of
Direksi dan/atau anggota Dewan Komisaris members of the Board of Directors and/or the Board
dikaitkan dengan pencapaian tujuan dan kinerja of Commissioners in relation to the achievement of
KB Bank; KB Bank’s objectives and performance;
3. Target kinerja atau kinerja masing-masing anggota 3. Performance targets or the actual performance of
Direksi dan/atau anggota Dewan Komisaris; each member of the Board of Directors and/or the
Board of Commissioners;
4. Keseimbangan tunjangan antara yang bersifat 4. A balance between fixed and variable components
tetap dan bersifat variabel. of remuneration.
Remunerasi Direksi Remuneration of the Board of Directors
Besaran remunerasi Direksi ditetapkan dengan The amount of remuneration for the Board of Directors
memperhatikan keputusan RUPS dan ketentuan is determined by taking into account resolutions of the
yang berlaku, KB Bank akan memperhatikan GMS and applicable regulations, KB Bank will consider
target pencapaian profit, kemampuan menjaga the achievement of profit targets, as well as the ability
keberlangsungan dan pengembangan usaha yang to maintain business sustainability and development,
dilakukan sesuai hasil analisis dan rekomendasi Komite based on the analysis and recommendations of
Remunerasi dan Nominasi. Komite Remunerasi dan the Remuneration and Nomination Committee. The
Nominasi kemudian mengusulkan kepada Dewan Remuneration and Nomination Committee subsequently
Komisaris untuk kemudian diusulkan pada RUPS. submits its proposal to the Board of Commissioners to
be further proposed to the GMS.
Indikator yang digunakan dalam menentukan The indicators used in determining the remuneration of
Remunerasi anggota Dewan Komisaris adalah sebagai members of the Board of Directors are as follows
berikut:
1. Key Performance Indicator (KPI) atau hasil penilaian 1. Key Performance Indicators (KPIs) or the results of
kinerja dan prestasi Dewan Komisaris; performance and achievement assessments of the
Board of Directors;
2. Kinerja dan kemampuan keuangan Perseroan; 2. The Company’s financial performance and
capability;
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3. Perkembangan bisnis Bank; 3. Developments in the Bank’s business;
4. Hasil perbandingan remunerasi industri Perbankan; 4. Benchmarking against remuneration practices in
the banking industry;
5. Pertimbangan sasaran dan strategi jangka panjang 5. Consideration of the Company’s long-term
Perseroan. objectives and strategic direction.
Rasio Kompensasi Total Tahunan Tertinggi dengan Nilai Tengah Karyawan [GRI 2-21]
Ratio of the Highest Annual Total Compensation to the Median Employee Compensation [GRI 2-21]
Uraian
2025 2024 2023
Description
Gaji Dewan Komisaris tertinggi dengan Nilai Tengah (Median) gaji karyawan 1:21,89 1:21,89 1:21,89
The Highest Salary of the Board of Commissioners to the Median Employee Salary
Gaji Dewan Direksi tertinggi dengan Nilai Tengah (Median) gaji karyawan 1:113,48 1:54,89 1:54,89
The Highest Salary of the Board of Directors to the Median Employee Salary
Adapun informasi lebih detail mengenai remunerasi Further detailed information regarding the remuneration
Dewan Komisaris dan Direksi dapat dilihat lebih lanjut of the Board of Commissioners and the Board of
pada Laporan Tahunan KB Bank 2025 pada bab Tata Directors is presented in the KB Bank Annual Report
Kelola Perusahaan. 2025, under the Corporate Governance chapter.
Evaluasi Kinerja [GRI 2-18] Performance Evaluation [GRI 2-18]
Evaluasi kinerja Dewan Komisaris dan Direksi The performance evaluation of the Board of
merupakan bagian penting dalam memastikan Commissioners and the Board of Directors is an important
efektivitas penerapan tata kelola perusahaan yang component in ensuring the effective implementation of
baik. Proses ini dilakukan secara terukur untuk menilai good corporate governance. This process is conducted
sejauh mana kedua organ KB Bank menjalankan fungsi in a structured and measurable manner to assess the
pengawasan, pengelolaan, serta pemberian arahan extent to which both KB Bank’s governing bodies carry
strategis sesuai dengan mandat dan tanggung jawab out their supervisory, management, and strategic
yang telah ditetapkan. guidance functions in accordance with their established
mandates and responsibilities.
Terdapat berbagai prosedur penilaian yang digunakan Various assessment procedures are used to evaluate the
untuk mengevaluasi kinerja Dewan Komisaris, yakni performance of the Board of Commissioners, including
melalui RUPS, pelaksanaan assessment kinerja the GMS, performance assessment based on the Board
berdasarkan Board Manual serta target-target Manual and the Board of Commissioners’ performance
kinerja Dewan Komisaris, dan self-assessment GCG. targets, and GCG self-assessment. Meanwhile, the
Sedangkan penilaian kinerja Direksi dilakukan dilakukan performance assessment of the Board of Directors is
melalui 2 (dua) prosedur utama yakni melalui RUPS dan carried out through two main procedures: the GMS and
self-assessment. self-assessment.
Adapun penilaian kinerja Direksi dilakukan berdasarkan The Board of Directors’ performance assessment is
key performance indicator (KPI) yang dirancang based on key performance indicators (KPIs) specifically
secara spesifik bagi masing-masing anggota Direksi designed for each member of the Board of Directors,
sesuai dengan lingkup tanggung jawab dan fungsi consistent with the scope of responsibility and strategic
strategisnya. Pendekatan ini memastikan bahwa setiap function. This approach ensures that each Director
Direksi dinilai secara objektif dan relevan dengan is assessed objectively and relevantly to the role in
peran yang dijalankan dalam mendukung pencapaian supporting the Bank’s target achievement. These
target Bank. Indikator kinerja tersebut tidak hanya performance indicators encompass not only financial
mencakup aspek finansial dan operasional, tetapi juga and operational aspects but also integrate economic,
mengintegrasikan dimensi ekonomi, lingkungan, dan environmental, and social dimensions as part of KB
sosial sebagai bagian dari komitmen KB Bank terhadap Bank’s commitment to sustainable business practices.
praktik bisnis berkelanjutan.
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Tata Kelola Berkelanjutan Sustainability Governance
Penanggung Jawab Penerapan Person in Charge of Implementing
Keuangan Berkelanjutan Sustainable Finance [OJK E.1][GRI 2-12][GRI 2-13]
[OJK E.1][GRI 2-12][GRI 2-13]
KB Bank telah membentuk unit kerja Environmental, KB Bank has established an Environmental, Social, and
Social, and Governance (ESG). Unit ini bertanggung Governance (ESG) work unit. This unit is responsible
jawab mengoordinasikan perencanaan serta for coordinating the planning and implementation
implementasi strategi keberlanjutan guna memastikan of sustainability strategies to ensure the integration
integrasi prinsip ESG dalam aktivitas bisnis dan of ESG principles into KB Bank’s business and
operasional KB Bank. operational activities.
Pengembangan Kompetensi Sustainable Finance Competency
Keuangan Berkelanjutan [OJK E.2][GRI 2-17] Development [OJK E.2][GRI 2-17]
Pengembangan kompetensi terkait keuangan The development of competencies related to sustainable
berkelanjutan menjadi langkah strategis finance is a strategic step for KB Bank in strengthening
KB Bank dalam memperkuat kapabilitas organisasi organizational capabilities to face the transformation
menghadapi transformasi industri jasa keuangan of the financial services industry, which is increasingly
yang semakin berorientasi pada prinsip ESG. oriented toward ESG principles. Throughout 2025, the
Selama tahun 2025, Dewan Komisaris, Direksi, serta Board of Commissioners, Board of Directors, and the
Unit Kerja Environmental, Social, and Governance (ESG) Environmental, Social, and Governance (ESG) Work
sebagai penanggung jawab penerapan keuangan Unit as the party responsible for the implementation
keberlanjutan telah mengikuti pengembangan of sustainable finance participated in competency
kompetensi terkait keuangan/kegiatan berkelanjutan development related to sustainable finance/sustainable
sebagaimana tabel berikut: activities, as presented in the following table:
Jenis Pendidikan
Materi Pendidikan
dan Pelatihan
dan Pelatihan Peserta Tempat/Tanggal Penyelenggara
Type of
Education and Training Participants Place/Date Organizer
Education and
Material
Training
Technical Workshop Audit Kick Off 2025 Komisaris Utama, Komisaris Independen, Jakarta, 7 Februari 2025 Internal Diklat
Competency Direktur Utama Jakarta, February 7, 2025 Internal Education &
President Commissioner, Independent Training
Commissioner, President Director
Training AML for Executive Komisaris Utama, Wakil Komisaris Utama, Jakarta, 9 Oktober 2025
Komisaris Independen, Direktur Utama, Direktur Jakarta, October 9, 2025
President Commissioner, Deputy President
Commissioner, Independent Commissioner,
President Director, Director
Pelaksanaan Pembekalan dan Wakil Komisaris Utama, Komisaris Independen, Jakarta, 30 September 2025 Maisa Edukasi
Ujian Manajemen Risiko 2025 Direktur Utama, Direktur Jakarta, September 30, 2025
Certification – Komisaris Deputy President Commissioner, Independent
Competency Risk Management Briefing and Commissioner, President Director, Director
Exam 2025 - Commissioner
Komisaris, Komisaris Independen Jakarta, 24 April 2025 Barra
Commissioner, Independent Commissioner Jakarta, April 24, 2025
Komisaris Independen Jakarta, 22 Oktober 2025 Maisa Edukasi
Independent Commissioner Jakarta, October 22, 2025
Direktur Jakarta, 08 Desember 2025 Maisa Edukasi
Director Jakarta, December 8, 2025
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Jenis Pendidikan
Materi Pendidikan
dan Pelatihan
dan Pelatihan Peserta Tempat/Tanggal Penyelenggara
Type of
Education and Training Participants Place/Date Organizer
Education and
Material
Training
Technical FGD Mortgage Business Direktur Jakarta, 17 Januari 2025 Internal Diklat
Competency Director Jakarta, January 17, 2025 Internal Education &
Training
Workshop Committee Audit Direktur Jakarta, 07 Mei 2025
SME Director Jakarta, May 7, 2025
Workshop Snd Business & Direktur Jakarta, 04 Juni 2025
Services Director Jakarta, June 4, 2025
Workshop "Sales Acceleration Direktur Jakarta, 25 Juli 2025
Program" Director Jakarta, July 25, 2025
Retail Product Workshop 2025 Direktur Jakarta, 16 Oktober 2025
Director Jakarta, October 16, 2025
Technical Sosialisasi Perubahan Direktur Jakarta, 22 Desember 2025 ASABRI
Competency Perdirjen dan Strategi Director Jakarta, December 22, 2025
Pelayanan Pembayaran
Pensiun Tahun 2026
Dissemination of Changes
to the Director General's
Regulation and Pension
Payment Service Strategy for
2026
Inaugurasi Certified Risk Direktur Batam, 12 Juni 2025 BARRA
Management (CRM) BSMR Director Batam, June 12, 2025
dan Seminar Nasional
Kesiapan Industri Perbankan
dalam Merespon Eskalasi
Climate Risk & Cyber Risk
2025
Inauguration of Certified Risk
Management (CRM) BSMR
and National Seminar on
Banking Industry Readiness
in Responding to Climate Risk
& Cyber Risk Escalation 2025
Sharing Knowledge Risk Direktur Jakarta, 18 Desember 2025 Internal Diklat
Management with Bapak Director Jakarta, December 18, 2025 Internal Education &
Jerry Marmen Training
Sharing Risk Management
Knowledge With Mr. Jerry
Marmen
Webinar ESG-Inovasi Produk Strategic Partnership I Jakarta, 25 Oktober 2025 Forum Komunikasi
dan Layanan Keuangan Strategic Partnership I Jakarta, October 25, 2025 Direktur Kepatuhan
Berkelanjutan Skema Hijau Perbankan (FKDKP)
Untuk Menangkap Peluang Banking
Pendanaan dan Investasi Compliance Director
ESG Webinar - Innovation of Communication
Sustainable Finance Products Forum (FKDKP)
and Services Green Schemes
to Capture Funding and
Investment Opportunities
Seminar Sosialisasi Taksonomi untuk Tim ESG Online, 24 Februari 2025 OJK
Keuangan Berkelanjutan ESG Team Online, February 24, 2025
Indonesia (TKBI) Versi 2
Dissemination of Taxonomy
for Sustainable Finance in
Indonesia (TKBI) Version 2
Rencana Penyusunan Tim ESG Online, Rabu, 16 April 2025 OJK
Panduan atau E-Book terkait ESG Team Online, Wednesday, April 16,
Perdagangan Karbon Bagi 2025
Sektor Jasa Keuangan (SJK)
Plan to Develop Guideline or
E-Book on Carbon Trading for
the Financial Services Sector
(SJK)
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Tata Kelola Berkelanjutan Sustainability Governance
Jenis Pendidikan
Materi Pendidikan
dan Pelatihan
dan Pelatihan Peserta Tempat/Tanggal Penyelenggara
Type of
Education and Training Participants Place/Date Organizer
Education and
Material
Training
Seminar Sosialisasi Taksonomi untuk Tim ESG Jakarta, 24-25 April 2025 OJK
Keuangan Berkelanjutan ESG Team Jakarta, April 24-25, 2025
Indonesia (TKBI) Versi 2
Dissemination of Taxonomy
for Sustainable Finance in
Indonesia (TKBI) Version 2
Implementasi Taksonomi Tim ESG, Tim Pelaporan Jakarta, 24 Juni 2025 OJK
untuk Keuangan Berkelanjutan ESG Team, Reporting Team Jakarta, June 24, 2025
Indonesia (TKBI) Versi 2
serta Rencana Digitalisasi
Laporan Keberlanjutan (SR)
dan Rencana Aksi Keuangan
Berkelanjutan (RAKB)
Implementation of Taxonomy
for Sustainable Finance in
Indonesia (TKBI) Version 2
and the Sustainability Report
(SR) Digitalization Plan and
Sustainable Finance Action
Plan (RAKB)
Persiapan Adopsi Standar Tim ESG, Tim Pelaporan Jakarta 26 Agustus 2025 OJK
Pengungkapan Keberlanjutan ESG Team, Reporting Team Jakarta, August 26, 2025
bagi Pelaku Usaha Sektor
Keuangan Emiten &
Perusahaan Publik
Preparation for Adoption
of Sustainability Disclosure
Standards for Financial Sector
Business Actors, Issuers &
Public Companies
Training Climate Risk Management & Tim ESG, Tim Risk, Tim Finance, Tim Credit Jakarta, 10-11 Mei 2025 Eksternal
Scenario Analysis Perbankan Underwriting Jakarta, May 10-11, 2025 External
Climate Risk Management & ESG Team, Risk Team, Finance Team, Credit
Scenario Analysis in Banking Underwriting Team
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Penilaian Risiko Atas Penerapan Sustainable Finance Risk Assessment
Keuangan Berkelanjutan [OJK E.3][GRI 2-25] Implementation [OJK E.3][GRI 2-25]
KB Bank menerapkan manajemen risiko secara KB Bank consistently implements risk management
konsisten di seluruh aktivitas bisnis dan operasional across all business and operational activities as an effort
sebagai upaya menjaga kesehatan organisasi sekaligus to maintain organizational soundness while supporting
mendukung pertumbuhan yang berkelanjutan. sustainable growth. This approach is realized through
Pendekatan ini diwujudkan melalui proses identifikasi, the processes of risk identification, measurement,
pengukuran, pemantauan, dan pengendalian risiko monitoring, and control across all business lines that
pada setiap lini usaha yang berpotensi menimbulkan may generate negative impacts.
dampak negatif.
Untuk memastikan efektivitas pengelolaan risiko, To ensure the effectiveness of risk management,
KB Bank menetapkan struktur organisasi dengan KB Bank has established an organizational structure
pembagian peran dan tanggung jawab yang jelas. with a clear division of roles and responsibilities. Risk
Implementasi manajemen risiko diterapkan di seluruh management implementation is applied across all work
satuan kerja dengan mengacu pada tujuan strategis units by referring to strategic objectives and business
dan kebijakan usaha, serta mempertimbangkan skala policies, while also taking into account the scale and
dan kompleksitas kegiatan bisnis. complexity of business activities.
Kerangka tersebut didukung oleh fungsi pengawasan This framework is supported by integrated oversight
dan pengelolaan yang terintegrasi, meliputi Komite and management functions, comprising the Risk
Pemantau Risiko, Komite Manajemen Risiko, Satuan Monitoring Committee, Risk Management Committee,
Kerja Manajemen Risiko, Risk Taking Unit, dan Satuan Risk Management Work Unit, Risk Taking Unit, and
Kerja Audit Internal. Divisi Manajemen Risiko bertindak Internal Audit Work Unit. The Risk Management
sebagai penggerak utama dan dipimpin oleh Division Division acts as the main driving force and is led by
Head yang bertanggung jawab langsung kepada a Division Head who reports directly to the Director
Direktur Kepatuhan dan Risiko. Dalam menjalankan of Compliance and Risk. In carrying out its mandate,
mandatnya, divisi ini mencakup fungsi Enterprise Risk this division covers the functions of Enterprise Risk
Management, Operational and IT Risk Management, Management, Operational and IT Risk Management,
Credit Risk Management, serta Personal Data Credit Risk Management, and Personal Data Protection
Protection guna memperkuat pengendalian risiko to strengthen comprehensive risk control.
secara menyeluruh.
Informasi selengkapnya tentang Sistem Manajemen Further information on the Risk Management System is
Risiko disampaikan dalam Bab Tata Kelola Perusahaan presented in the Good Corporate Governance chapter
yang Baik pada Laporan Tahunan KB Bank Tahun 2025. of the KB Bank Annual Report 2025.
Kode Etik [GRI 2-23] Code of Ethics [GRI 2-23]
Kode Etik terintegrasi dengan berbagai ketentuan The Code of Ethics is integrated with various internal
internal seperti Peraturan Perseroan, Peraturan Disiplin, provisions, including Company Regulations, Disciplinary
dan kebijakan lainnya. Dengan demikian, Kode Etik Regulations, and other related policies. Accordingly,
berperan sebagai kerangka kerja yang memberikan the Code of Ethics serves as a framework that provides
panduan bagi seluruh insan KB Bank dalam bersikap, guidance for all members of KB Bank in their attitudes,
berperilaku, menjalankan tanggung jawab sehari- conduct, and day-to-day responsibilities, as well as a
hari, serta menjadi referensi dalam setiap proses reference in every decision-making process.
pengambilan keputusan.
Sebagai bagian dari upaya memastikan penerapan As part of efforts to ensure consistent implementation,
yang konsisten, KB Bank mewajibkan setiap pimpinan KB Bank requires every leader at all levels of
pada seluruh tingkatan organisasi untuk bertanggung the organization to be responsible for enforcing
jawab dalam menegakkan kepatuhan terhadap compliance with the Code of Conduct within their
Pedoman Perilaku di lingkungan kerjanya. Seluruh respective work environments. All employees are also
karyawan juga diwajibkan menandatangani Pernyataan required to sign the Statement of Compliance with the
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Kepatuhan terhadap Kode Etik Insan KB Bank sebagai KB Bank Code of Ethics as a form of awareness and
bentuk kesadaran dan komitmen pribadi dalam personal commitment to maintaining integrity. KB Bank
menjaga integritas. KB Bank menegaskan bahwa emphasizes that any violation of the Code of Ethics
setiap pelanggaran terhadap Kode Etik tidak dapat will not be tolerated and will be subject to sanctions in
ditoleransi dan akan dikenakan sanksi sesuai ketentuan accordance with applicable provisions.
yang berlaku.
Informasi lebih lengkap mengenai Kode Etik dapat Further information regarding the Code of Ethics
diakses melalui situs resmi KB Bank: https://www. can be accessed through KB Bank’s official website:
kbbank.co.id/corporate-governance/code-of-ethics https://www.kbbank.co.id/corporate-governance/
code-of-ethics
Benturan Kepentingan [GRI 2-15] Conflict of Interest [GRI 2-15]
KB Bank menetapkan kebijakan internal terkait KB Bank establishes internal policies on conflicts
benturan kepentingan sebagai bagian dari penguatan of interest as part of strengthening corporate
tata kelola perusahaan. Kebijakan ini mendefinisikan governance. These policies define a conflict of interest
benturan kepentingan sebagai perbedaan antara as a discrepancy between KB Bank’s economic
kepentingan ekonomis KB Bank dan kepentingan interests and the personal interests of shareholders,
pribadi pemegang saham, pengurus, pegawai, maupun management, employees, and/or other related parties.
pihak terkait lainnya. Seluruh insan KB Bank diwajibkan All members of KB Bank are required to avoid situations
menghindari situasi yang berpotensi menimbulkan that may give rise to conflicts and are prohibited from
konflik serta dilarang mengambil tindakan yang taking actions that prioritize personal interests or those
dapat mengutamakan kepentingan pribadi atau pihak of affiliated parties over the interests of KB Bank.
terafiliasi di atas kepentingan KB Bank.
Ketentuan tersebut dituangkan dalam Pedoman These provisions are set out in the Code of Conduct
Perilaku (Kode Etik) yang menjadi acuan dalam (Code of Ethics), which serves as a reference for
mengidentifikasi, mencegah, dan menangani identifying, preventing, and addressing potential
potensi benturan kepentingan guna meminimalkan conflicts of interest in order to minimize the risk of fraud
risiko kecurangan maupun penyimpangan. Untuk and misconduct. To ensure effective implementation,
memastikan penerapannya berjalan efektif, KB Bank KB Bank consistently integrates this policy into
secara konsisten mengintegrasikan kebijakan ini decision-making processes and conducts ongoing
dalam proses pengambilan keputusan serta melakukan socialization for all employees so that the principle of
sosialisasi berkelanjutan kepada seluruh karyawan integrity is upheld in every operational activity.
agar prinsip integritas senantiasa terjaga dalam setiap
aktivitas operasional.
Komunikasi Masalah Penting [GRI 2-16] Communication of Critical Issues [GRI 2-16]
KB Bank menyediakan mekanisme pengaduan melalui KB Bank provides a complaint mechanism through
Whistleblowing System (WBS) sebagai sarana bagi the Whistleblowing System (WBS) as a channel for
pemangku kepentingan untuk menyampaikan berbagai stakeholders to report various critical issues. All
isu penting. Seluruh pengaduan yang diterima akan complaints received are first reviewed by the Anti-
terlebih dahulu ditelaah oleh Anti Fraud Management Fraud Management Division. For reports deemed
Division. Untuk laporan yang dinilai material atau material or strategic, discussions are conducted
strategis, pembahasan dilakukan bersama organ tata together with the highest governance bodies through
kelola tertinggi melalui forum rapat Dewan Komisaris, meetings of the Board of Commissioners, the Board
Direksi, maupun rapat gabungan, sehingga penanganan of Directors, or joint meetings, so that handling can be
dapat dilakukan secara komprehensif dan selaras carried out comprehensively and in line with the Bank’s
dengan kebijakan Bank. policies.
Selain itu, dalam mengantisipasi isu yang berkaitan Moreover, in anticipating issues related to economic,
dengan aspek ekonomi, lingkungan, dan sosial environmental, and social aspects along with their
beserta potensi dampaknya, KB Bank mengoptimalkan potential impacts, KB Bank optimizes the role of the
peran Unit Kerja ESG. Unit ini berfungsi sebagai ESG Work Unit. This unit functions as a governance
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organ pendukung tata kelola yang berperan dalam support body that coordinates responses and supports
mengoordinasikan respons serta mendukung decision-making related to sustainability topics across
pengambilan keputusan terkait topik keberlanjutan di all of KB Bank’s business activities.
seluruh kegiatan usaha KB Bank.
Berdasarkan Surat Keputusan Direksi No. 044 Tahun Based on the Board of Directors’ Decision Letter No. 044
2025 tentang Struktur Organisasi PT Bank KB Indonesia of 2025 on the Organizational Structure of PT Bank KB
Tbk tanggal 21 November 2025, Anti Fraud & Special Indonesia Tbk dated November 21, 2025, the Anti-Fraud
Investigation mengalami perkembangan struktur & Special Investigation developed its organizational
organisasi menjadi Anti Fraud Management Division. structure to be the Anti-Fraud Management Division.
Sistem Pelaporan Pelanggaran [GRI 2-26] Whistleblowing System [GRI 2-26]
KB Bank menetapkan kebijakan Sistem Pelaporan KB Bank establishes a Whistleblowing System
Pelanggaran (Whistleblowing System/WBS) melalui (WBS) policy through Guidelines No. 95 of 2024 on
Pedoman No. 95 Tahun 2024 terkait Pedoman Tentang Guidelines for Whistleblowing System (WBS) as a basis
Whistleblowing System (WBS) sebagai landasan dalam for managing reports in a structured, transparent,
mengelola pelaporan secara terstruktur, transparan, and accountable manner. This policy is designed to
dan akuntabel. Kebijakan ini dirancang untuk strengthen KB Bank’s commitment to creating a clean,
memperkuat komitmen KB Bank dalam menciptakan ethical work environment that upholds integrity.
lingkungan kerja yang bersih, beretika, dan menjunjung
tinggi integritas.
Secara umum, laporan atau pengaduan yang In general, reports or complaints that are followed up
ditindaklanjuti mencakup setiap tindakan yang include any actions that have the potential to cause
berpotensi merugikan KB Bank, baik dari sisi finansial losses to KB Bank, whether financial or non-financial.
maupun nonfinansial. Cakupannya meliputi, namun The scope includes, but is not limited to, the following:
tidak terbatas pada:
1. Perbuatan Fraud 1. Fraud
Tindakan penyimpangan atau pembiaran yang Acts of misconduct or deliberate omission carried
sengaja dilakukan untuk mengelabui, menipu, atau out to deceive, defraud, or manipulate the Bank,
memanipulasi Bank, nasabah, atau pihak lain, yang customers, or other parties, occurring within the
terjadi di lingkungan Bank dan/atau menggunakan Bank and/or using Bank facilities, resulting in
sarana Bank sehingga mengakibatkan Bank, losses to the Bank, customers, or other parties
nasabah, atau pihak lain menderita kerugian and/or enabling the perpetrator of Fraud to obtain
dan/atau pelaku Fraud memperoleh keuntungan financial benefits, either directly or indirectly;
keuangan baik secara langsung maupun tidak
langsung;
2. Kesalahan Operasional yang signifikan 2. Significant Operational Errors
Tindakan yang dilakukan secara tidak sengaja Actions carried out unintentionally or unknowingly
atau tidak disadari sehingga dapat mengakibatkan that may result in financial or non-financial losses
kerugian finansial ataupun non finansial bagi bank; to the Bank;
3. Pelanggaran ketentuan bank 3. Violations of Bank Regulations
Semua bentuk pelanggaran terhadap ketentuan All forms of significant violations of the Bank’s
internal Bank yang signifikan maupun pelanggaran internal regulations, as well as violations of
terhadap ketentuan eksternal yang berlaku; applicable external regulations;
4. Pelanggaran atas kode etik yang berlaku di Bank; 4. Violations of the Code of Ethics applicable within
5. Benturan kepentingan the Bank;
Tindakan menyalahgunakan nama, jabatan, 5. Conflict of interest
fasilitas aset, atau hubungan baik Bank untuk Acts of misuse of name, position, facilities, assets,
kepentingan apapun termasuk penerimaan uang, or the Bank’s relationships for any interest, including
barang, fasilitas dari pihak-pihak tertentu yang the receipt of money, goods, or facilities from
bertentangan dengan Kebijakan Bank; certain parties that are contrary to Bank Policies;
6. Tindakan melanggar etika dan moral; 6. Acts violating ethics and morality;
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7. Tindakan melanggar hukum pidana maupun 7. Acts violating criminal or civil law or other
perdata ataupun peraturan perundang-undangan applicable laws and regulations, such as
lainnya misalnya pemalsuan tanda tangan pejabat falsification of authorized officials’ signatures, drug
berwenang, penggunaan narkoba, perusakan use, destruction of property, and others;
barang dan lainnya;
8. Tindakan membahayakan keselamatan dan 8. Acts that endanger safety and the work
lingkungan kerja, membahayakan keamanan environment, endanger Bank security, and
bank, termasuk membahayakan aset pihak ketiga/ endanger the assets of third parties/customers.
nasabah.
KB Bank secara aktif melakukan sosialisasi WBS KB Bank actively conducts dissemination of the WBS to
kepada seluruh insan KB Bank serta pihak terkait all members of KB Bank as well as other related parties,
lainnya yang dikoordinasikan oleh Anti Fraud & Special coordinated by the Anti-Fraud & Special Investigation
Investigation Department. Upaya ini dilakukan melalui Department. These efforts are carried out through
berbagai kanal komunikasi, antara lain situs resmi various communication channels, including KB Bank’s
KB Bank, media komunikasi internal seperti KB Bank official website, internal communication media such as
Office Communication, serta postmaster email, guna KB Bank Office Communication, and postmaster email,
memastikan informasi mengenai mekanisme pelaporan to ensure that information regarding the reporting
dapat diakses dengan mudah dan dipahami secara mechanism is easily accessible and fully understood.
menyeluruh. Informasi lebih lanjut terkait WBS tersedia Further information related to the WBS is available on
pada situs resmi KB Bank. KB Bank’s official website.
Anti-Korupsi Anti-Corruption
KB Bank memandang korupsi sebagai kejahatan KB Bank considers corruption to be a serious crime
serius yang dapat merusak perekonomian dan that can damage the economy and reduce public trust.
menurunkan kepercayaan publik. Oleh karena itu, Therefore, KB Bank supports anti-corruption efforts
KB Bank mendukung upaya pemberantasan korupsi and is committed to consistently promoting honest,
serta berkomitmen menjalankan praktik bisnis yang transparent, and ethical business practices as part of
jujur, transparan, dan beretika sebagai bagian dari the implementation of good corporate governance.
penerapan tata kelola perusahaan yang baik. [GRI 3-3] [GRI 3-3]
Komitmen ini diwujudkan melalui kepatuhan terhadap This commitment is realized through compliance with
peraturan anti-korupsi, penerapan kebijakan tanpa anti-corruption regulations, implementation of policies
toleransi terhadap suap dan gratifikasi, serta of zero tolerance for gratuities and bribes, as well
integrasi prinsip integritas dalam proses bisnis. Untuk as integration of integrity principles into its business
memperkuat pencegahan, KB Bank juga melakukan processes. To strengthen prevention efforts, KB Bank
analisis risiko pada area yang rentan dan menetapkan also conducts risk analyses across vulnerable areas
Kebijakan No. 393 Tahun 2025 tentang Pedoman Anti and established Policy No. 393 of 2025 Guidelines
Korupsi dan Pengelolaan Gratifikasi sebagai acuan bagi on Anti-Corruption and Handling Gratification as a
seluruh insan KB Bank. [GRI 3-3][GRI 205-1] reference for all KB Bank personnel. [GRI 3-3][GRI 205-1]
Implementasi kebijakan didukung oleh sosialisasi The implementation of this policy is supported by
berkelanjutan yang menjangkau seluruh lapisan ongoing dissemination that reaches all levels of the
organisasi maupun mitra usaha. Hingga 31 Desember organization and business partners. As of December
2025, seluruh Dewan Komisaris, Direksi, karyawan, 31, 2025, all members of the Board of Commissioners,
serta mitra bisnis dan vendor telah menerima informasi Board of Directors, employees, business partners, and
terkait kebijakan dan prosedur anti-korupsi. Selain itu, vendors have received information regarding anti-
KB Bank juga menyelenggarakan program pelatihan corruption policies and procedures. In addition, KB
guna memperkuat pemahaman dan kesadaran, yang Bank also organized training programs to strengthen
telah diikuti oleh 2.314 karyawan (99%). [GRI 205-2] understanding and awareness, which were attended
by 2,314 employees (99%). [GRI 205-2]
Konsistensi dalam menerapkan kebijakan ini tercermin Consistency in implementing this policy is reflected
dari tidak ditemukannya insiden korupsi sepanjang in the absence of any identified corruption incidents
tahun 2025. Dengan demikian, tidak terdapat tindakan throughout 2025. Accordingly, there were no disciplinary
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disipliner maupun penghentian kerja sama dengan actions or termination of cooperation with internal or
pihak internal atau eksternal terkait kasus korupsi, external parties related to corruption cases, which
yang sekaligus menunjukkan efektivitas langkah also demonstrates the effectiveness of the preventive
pencegahan yang dijalankan KB Bank. [GRI 205-3] measures implemented by KB Bank. [GRI 205-3]
Anti-Fraud Anti-Fraud
KB Bank menerapkan sistem pengendalian internal KB Bank implements an internal control system to
untuk memastikan setiap proses bisnis berlangsung ensure that every business process is carried out
secara efektif, terukur, dan selaras dengan kebijakan effectively, measurably, and in line with applicable
yang berlaku. Mekanisme pengawasan dilakukan policies. Oversight mechanisms are implemented
melalui fungsi kontrol dan cross-check antarunit kerja through control functions and cross-checks among
guna meningkatkan keandalan operasional sekaligus work units to enhance operational reliability and
memitigasi potensi penyimpangan di lingkungan mitigate potential irregularities within KB Bank.
KB Bank.
Sebagai penguatan atas kerangka tersebut, KB As a reinforcement of this framework, KB Bank also
Bank juga mengimplementasikan Strategi Anti- implements an Anti-Fraud Strategy designed to
Fraud yang dirancang untuk meminimalkan risiko comprehensively minimize fraud risk. This strategy
kecurangan secara menyeluruh. Strategi ini mencakup encompasses preventive measures, early detection,
pendekatan preventif, deteksi dini, investigasi, hingga investigation, and system enhancement as part of
penyempurnaan sistem sebagai bagian dari upaya ongoing efforts to safeguard organizational integrity.
berkelanjutan dalam menjaga integritas organisasi. Its implementation refers to Policy No. 208 of 2024 on
Pelaksanaannya mengacu pada Kebijakan No. 208 the Anti-Fraud Strategy of PT Bank KB Indonesia Tbk,
Tahun 2024 tentang Strategi Anti Fraud PT Bank which serves as a guideline for building a more robust
KB Indonesia Tbk, yang menjadi pedoman dalam and integrated fraud control system.
membangun sistem pengendalian fraud yang lebih
robust dan terintegrasi.
Pelibatan Pemangku Kepentingan Stakeholder Engagement
[OJK E.4][GRI 2-29] [OJK E.4][GRI 2-29]
KB Bank mendefinisikan pemangku kepentingan KB Bank defines stakeholders as individuals or
sebagai individu atau entitas yang terdampak oleh entities that are affected by the Company’s activities,
aktivitas, produk, dan layanan perusahaan sekaligus products, and services, while also having an influence
memiliki pengaruh terhadap keberhasilan strategi on the success of its strategies and the achievement
dan pencapaian tujuan Bank. Oleh karena itu, KB of the Company’s objectives. Therefore, KB Bank
Bank berkomitmen membangun hubungan yang is committed to building constructive relationships
konstruktif melalui berbagai forum komunikasi yang through various communication forums conducted on
diselenggarakan secara berkala maupun insidental. a regular basis or on an incidental basis.
Melalui forum tersebut, KB Bank membuka ruang Through these forums, KB Bank opens room for
dialog dua arah agar pemangku kepentingan dapat two-way dialogue where stakeholders can convey
menyampaikan aspirasi, masukan, maupun kritik secara aspirations, input, and criticism transparently. This
terbuka. Pendekatan ini membantu menyelaraskan approach also helps aligning KB Bank’s programs with
program KB Bank dengan ekspektasi para pemangku stakeholders’ expectations and minimizes potential
kepentingan sekaligus meminimalkan potensi misunderstandings in carrying out the Company’s
kesalahpahaman dalam pelaksanaan berbagai inisiatif various initiatives.
perusahaan.
Adapun basis penetapan pelibatan pemangku The basis to determine stakeholders’ engagement is
kepentingan mengacu pada AA1000 Stakeholder by referring to the AA1000 Stakeholder Engagement
Engagement Standard versi tahun 2015, yang membagi Standard (2015 version), which classifies stakeholders
ke dalam 5 atribut sebagai berikut: into five (5) attributes as follows:
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1. Ketergantungan/Dependency (D): Jika Perseroan 1. Dependency (D): Where the Company depends on
memiliki ketergantungan pada seseorang atau an individual or an organization, or vice versa.
sebuah organisasi, atau sebaliknya.
2. Tanggung Jawab/Responsibility (R): Jika Perseroan 2. Responsibility (R): Where the Company has legal,
memiliki tanggung jawab legal, komersial atau etika commercial, or ethical responsibilities toward an
terhadap seseorang atau sebuah organisasi. individual or an organization.
3. Perhatian/Tension (T): Jika seseorang atau sebuah 3. Tension (T): Where an individual or an organization
organisasi membutuhkan perhatian Perseroan requires the Company’s attention in relation to
terkait isu ekonomi, sosial atau lingkungan tertentu. specific economic, social, or environmental issues.
4. Pengaruh/Influence (I): Jika seseorang atau 4. Influence (I): Where an individual or an organization
sebuah organisasi memiliki pengaruh terhadap has influence over the Company or over the
Perseroan atau strategi atau kebijakan pemangku strategies or policies of other stakeholders.
kepentingan lain.
5. Keberagaman Pandangan/Diverse Perspective 5. Diverse Perspective (DP): Where an individual or
(DP): Jika seseorang atau sebuah organisasi an organization holds different perspectives that
memiliki pandangan berbeda yang dapat may influence situations and encourage actions
mempengaruhi situasi dan mendorong adanya aksi that did not previously exist.
yang tidak ada sebelumnya.
Setelah dilakukan pemetaan, pemangku kepentingan After conducting the mapping, KB Bank’s stakeholders
KB Bank adalah sebagai berikut: are as follows:
Basis
Penetapan/
Pemangku
Identifikasi Metode Pelibatan Frekuensi Topik Yang Dibahas
Kepentingan
Basis for Engagement Methods Frequency Topics Discussed
Stakeholders
Determination/
Identification
Pemegang Saham D,R,I RUPS Tahunan Satu kali dalam satu tahun Pencapaian Kinerja Perseroan
Shareholders Annual GMS Once a year Company Performance Achievements
RUPS Luar Biasa Saat diperlukan Solusi atas kejadian luar biasa
Extraordinary GMS Whenever necessary yang membawa konsekuensi bagi
Pemegang Saham
Solutions to extraordinary events that
have consequences for Shareholders
Laporan Manajemen Triwulan Kinerja Bisnis
Management Report Quarterly Business Performance
Nasabah D,R,T,I Survey Kepuasan Satu kali dalam satu tahun Tingkat Kepuasan Pelanggan
Customer Satisfaction Survey Once a year Customer Satisfaction Level
Layanan Call center Setiap saat bila diperlukan Mendapatkan kepuasan layanan
Call center service Whenever necessary Gaining service satisfaction
Kunjungan langsung Setiap saat bila diperlukan Mendapatkan kepuasan layanan
Direct visit Whenever necessary Gaining service satisfaction
Mitra Kerja/Pemasok D,R, T Kontrak Kerja Sesuai kebutuhan Pengadaan Barang/Jasa
Partners/Suppliers Employment contract According to the needs Procurement of Goods/Services
Pegawai D,R, T, I Intranet Harian Informasi Terkini
Employee Daily Latest Information
Sharing Knowledge Triwulan Pengetahuan Baru
Quarterly New Information
Employee Gathering Satu kali dalam satu tahun Kebersamaan
Once a year Togetherness
Survey Kepuasan Pegawai Satu kali dalam satu tahun Mengukur tingkat kepuasan pegawai
Employee Satisfaction Survey Once a year dan menjaring harapan mereka
Measuring employee satisfaction
levels and comprehending their
expectations
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Basis
Penetapan/
Pemangku
Identifikasi Metode Pelibatan Frekuensi Topik Yang Dibahas
Kepentingan
Basis for Engagement Methods Frequency Topics Discussed
Stakeholders
Determination/
Identification
Serikat Pekerja D,R, T, I Pembahasan Perjanjian Kerja Satu kali dalam satu tahun Menciptakan iklim kerja yang kondusif
Labor Union Bersama Once a year sehingga tercipta hubungan bipartit
Discussion of the Contractual yang harmonis
Bargaining Agreement Creating a conducive working climate
to create harmonious bipartite
relations
Masyarakat D, R, T, I, DP Kerja sama dalam melakukan Secara berkala Program CSR
Society program Tanggung Jawab Periodically CSR Program
Sosial Perseroan (CSR)
Cooperation in implementing
Corporate Social Responsibility
(CSR) programs
Media T, I, DP Press Release, media interview, Saat diperlukan Kinerja Perseroan, Corporate Action,
and speaking engagement Whenever necessary Penghargaan
Company Performance, Corporate
Action, Awards
Pemerintah dan D, R, T, I, DP Pelaporan pelaksanaan Empat kali dalam setahun Memberikan informasi tentang
Otoritas Keuangan Kepatuhan dan notifikasi pada Four times a year kepatuhan terhadap ketentuan
Government and Otoritas Jasa Keuangan (OJK) perundang- undangan yang berlaku
Financial Authorities Reporting on the implementation Providing information on compliance
of Compliance and Notification with applicable laws and regulations
to the Financial Services
Authority (OJK)
Pemegang Saham D,R,I RUPS Tahunan Satu kali dalam satu tahun Pencapaian Kinerja Perseroan
Shareholders Annual GMS Once a year Company Performance Achievements
RUPS Luar Biasa Saat diperlukan Solusi atas kejadian luar biasa
Extraordinary GMS Whenever necessary yang membawa konsekuensi bagi
Pemegang Saham
Solutions to extraordinary events that
have consequences for Shareholders
Laporan Manajemen Triwulan Kinerja Bisnis
Management Report Quarterly Business Performance
Nasabah D,R,T,I Survey Kepuasan Satu kali dalam satu tahun Tingkat Kepuasan Pelanggan
Customer Satisfaction Survey Once a year Customer Satisfaction Level
Layanan Call center Setiap saat bila diperlukan Mendapatkan kepuasan layanan
Call center service Whenever necessary Gaining service satisfaction
Kunjungan langsung Setiap saat bila diperlukan Mendapatkan kepuasan layanan
Direct visit Whenever necessary Gaining service satisfaction
Mitra Kerja/Pemasok D,R, T Kontrak Kerja Sesuai kebutuhan Pengadaan Barang/Jasa
Partners/Suppliers Employment contract According to the needs Procurement of Goods/Services
Pegawai D,R, T, I Intranet Harian Informasi Terkini
Employee Daily Latest Information
Sharing Knowledge Triwulan Pengetahuan Baru
Quarterly New Information
Employee Gathering Satu kali dalam satu tahun Kebersamaan
Once a year Togetherness
Survey Kepuasan Pegawai Satu kali dalam satu tahun Mengukur tingkat kepuasan pegawai
Employee Satisfaction Survey Once a year dan menjaring harapan mereka
Measuring employee satisfaction
levels and comprehending their
expectations
Serikat Pekerja D,R, T, I Pembahasan Perjanjian Kerja Satu kali dalam satu tahun Menciptakan iklim kerja yang kondusif
Labor Union Bersama Once a year sehingga tercipta hubungan bipartit
Discussion of the Contractual yang harmonis
Bargaining Agreement Creating a conducive working climate
to create harmonious bipartite
relations
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Tata Kelola Berkelanjutan Sustainability Governance
Basis
Penetapan/
Pemangku
Identifikasi Metode Pelibatan Frekuensi Topik Yang Dibahas
Kepentingan
Basis for Engagement Methods Frequency Topics Discussed
Stakeholders
Determination/
Identification
Masyarakat D, R, T, I, DP Kerja sama dalam melakukan Secara berkala Program CSR
Society program Tanggung Jawab Periodically CSR Program
Sosial Perseroan (CSR)
Cooperation in implementing
Corporate Social Responsibility
(CSR) programs
Media T, I, DP Press Release, media interview, Saat diperlukan Kinerja Perseroan, Corporate Action,
and speaking engagement Whenever necessary Penghargaan
Company Performance, Corporate
Action, Awards
Pemerintah dan D, R, T, I, DP Pelaporan pelaksanaan Empat kali dalam setahun Memberikan informasi tentang
Otoritas Keuangan Kepatuhan dan notifikasi pada Four times a year kepatuhan terhadap ketentuan
Government and Otoritas Jasa Keuangan (OJK) perundang- undangan yang berlaku
Financial Authorities Reporting on the implementation Providing information on compliance
of Compliance and Notification with applicable laws and regulations
to the Financial Services
Authority (OJK)
Catatan: Note:
D = Dependency I = Influence D = Dependency I = Influence
R = Responsibility DP = Diverse Perspective R = Responsibility DP = Diverse Perspective
T = Tension T = Tension
Tantangan dan Permasalahan dalam Challenges and Issues in The
Penerapan Keuangan Berkelanjutan Implementation of Sustainable
[OJK E.5] Finance [OJK E.5]
Dalam implementasi keuangan berkelanjutan, KB Bank In implementing sustainable finance, KB Bank faces
menghadapi berbagai tantangan sekaligus peluang. both challenges and opportunities. To strengthen the
Untuk memperkuat penerapan prinsip ESG, KB Bank terus implementation of ESG principles, KB Bank continues
meningkatkan pemahaman internal melalui pelatihan, to improve internal understanding through training,
seminar, dan e-learning, serta mengembangkan sistem seminars, and e-learning, as well as developing
dan infrastruktur pendukung guna memastikan integrasi supporting system and infrastructure to ensure more
keberlanjutan berjalan lebih efektif. effective sustainability integration.
Di sisi eksternal, KB Bank secara proaktif From an external perspective, KB Bank proactively
menyesuaikan diri dengan perkembangan regulasi adjusts to the evolving regulatory developments
dan standar keberlanjutan yang terus berkembang. and sustainability standards. By refining policies and
Melalui penyempurnaan kebijakan serta penguatan strengthening human resources, KB Bank ensures to
kompetensi sumber daya manusia, KB Bank berupaya implement sustainable finance not only to comply with
memastikan penerapan keuangan berkelanjutan tidak applicable regulations, but also to create added value
hanya memenuhi ketentuan yang berlaku, tetapi juga and bring positive impacts on the stakeholders.
memberikan nilai tambah dan dampak positif bagi para
pemangku kepentingan.
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77 Laporan Keberlanjutan 2025 Sustainability Report
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Kinerja Berkelanjutan Sustainability Performance
Kinerja
Keberlanjutan
Sustainability Performance
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Menghasilkan Kinerja Optimal dan Berkelanjutan
Delivering Optimal and Sustainable Performance
Target dan Realisasi Kinerja Ekonomi Targets and Realization Of Economic
Performance
Sepanjang periode pelaporan, KB Bank menjalankan Throughout the reporting period, KB Bank implements
berbagai kebijakan dan inisiatif strategis yang telah various established policies and strategic initiatives,
ditetapkan untuk mendukung pencapaian target aiming to achieve performance targets. KB Bank
kinerja. KB Bank memastikan bahwa kinerja ekonomi ensures that its economic performance achieved
yang dicapai tetap selaras dengan target yang telah remains in line with the target set. The realization of
ditetapkan. Adapun realisasi kinerja pendapatan serta revenue and profit and loss performance of KB Bank for
laba rugi KB Bank selama tahun 2025 disajikan pada 2025, is presented in the following table: [GRI 3-3][OJK F.2]
tabel berikut. [GRI 3-3][OJK F.2]
Target dan Realisasi Kinerja Ekonomi KB Bank
Targets and Realization of KB Bank’s Economic Performance
2025 2024 2023
Target Target Target
Uraian dalam RBB Realisasi dalam RBB Realisasi dalam RBB Realisasi
% % %
Description Target in Realization Target in Realization Target in Realization
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Kinerja Keuangan (Rp Miliar)
Financial Performance (IDR Billion)
Total Aset
Total Assets 78.051 81.564 104,5% 88.582 83.075 93,78% 94.497 84.307 89,22%
Kredit yang diberikan
Loans 46.532 44.386 95,39% 50.377 41.456 82,29% 47.924 44.183 92,19%
Total Simpanan Nasabah
Total Savings 44.880 47.198 105,17% 50.058 40.148 80,20% 47.924 39.037 81,46%
Total Ekuitas
Total Equity 8.259 7.588 91,89% 12.403 7.564 60,99% 16.371 14.763 90,18%
Pendapatan Bunga Bersih
Interest Income - Net 1.576 1.009 64,04% 935 909 97,22% 995 609 61,21%
Pendapatan Operasional
Selain bunga
Operating Income 485 297 61,32% 644 350 54,35% 473 457 96,62%
other than interest
Beban Operasional
Selain bunga
Operating Expenses (2.045) (1.946) 105,08% (2.130) (2.026) 95,12% (2.266) (2.280) 100,62%
other than Interest
(Beban) Pemulihan CKPN
CKPN Recovery (1.054) (374) 281,52% (3.909) (4.248) 108,67% (3.805) (5.248) 72,50%
(expense)
Pendapatan (Beban)
Non Operasional Bersih
Non-Operating (1.560) (1.649) 94,62% (658) (118) 17,93% (363) (128) 35,26%
Income (Expense)-Net
Rugi Bersih
Net Loss 397 12 3147,79% (3.992) (6.329) 158,54% (3.873) (6.056) 156,36%
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Kinerja Berkelanjutan Sustainability Performance
2025 2024 2023
Target Target Target
Uraian dalam RBB Realisasi dalam RBB Realisasi dalam RBB Realisasi
% % %
Description Target in Realization Target in Realization Target in Realization
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Rasio Kinerja (Persen)
Performance Ratio (Percentage)
Rasio Kecukupan Modal
Minimum (KPMM) dengan
memperhitungkan risiko
kredit, risiko pasar, dan
operasional 21,49% 16,24% 75,57% 18,31% 16,38% 89,46% 25,39% 27,05% 106,55%
CAR Ratio by taking into
account credit risk, market
risk, and operational risk
Aset produktif bermasalah
dan aset non produktif
bermasalah terhadap total
aset produktif dan aset non
produktif
Non-Performing Earning 5,36% 7,97% 148,69% 5,35% 5,01% 93,64% 7,20% 6,27% 114,78%
Assets and Non-Performing
Non-Earning Assets to Total
Earning Assets and Non-
Earning Assets
Aset produktif bermasalah
terhadap total aset produktif
Non-performing Earning 3,21% 6,09% 189,72% 2,56% 3,00% 117,19% 4,42% 6,37% 69,31%
Assets to Total Earning
Assets
Cadangan Kerugian
Penurunan Nilai (CKPN) aset
keuangan terhadap aset
produktif 2,99% 3,81% 127,42% 5,95% 4,47% 75,13% 4,45% 4,80% 107,97%
Allowance for Impairment
Losses (CKPN) on Financial
Assets to Earning Assets
NPL gross
Gross NPL 5,46% 9,97% 182,60% 9,23% 9,06% 98,16% 7,99% 9,56% 83,55%
NPL net
Net NPL 4,02% 6,33% 157,46% 4,13% 4,38% 106,05% 3,92% 4,87% 80,54%
Return on Assets
Return on Assets 0,68% 0,03% 4,41% -6,49% -7,75% 119,41% -5,56% -7,71% 138,61%
Return on Equity
Return on Equity 6,94% 0,24% 3,46% -69,83% -154,60% 221,39% -48,82% -61,38% 125,74%
Net Interest Margin (NIM)
Net Interest Margin (NIM) 2,21% 1,43% 64,71% 1,68% 1,31% 77,98% 1,18% 0,78% 66,00%
Rasio Efisiensi (BOPO)
Efficiency Ratio (BOPO) 118,48% 119,55% 100,9% 181,49% 192,58% 106,11% 192,35% 103,26% 86,15%**
Loan to Deposit Ratio (LDR)
Loan to Deposit Ratio (LDR) 103,26% 91,07% 88,19% 100,84% 103,26% 89,46% 100,00% 113,18% 113,18%
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Target Target Target
Uraian dalam RBB Realisasi dalam RBB Realisasi dalam RBB Realisasi
% % %
Description Target in Realization Target in Realization Target in Realization
RBB RBB RBB
1 2 1:2 3 4 3:4 5 6 5:6
Nilai Liquidity Coverage Ratio (LCR)*
Liquidity Coverage Ratio (LCR) Value*
1. LCR secara individu
Individual LCR 110 302,64% 275,13% 105,00% 146,84% 139,85% 105,00% 129,92% 123,73%
2. LCR secara konsolidasi
Consolidated LCR 110 302,64% 275,13% 105,00% 143,55% 136,71% 105,00% 122,94% 117,09%
*) Hanya diisi oleh Bank yang diwajibkan untuk menyusun dan mempublikasikan perhitungan *) Only to be completed by Banks that are required to prepare and publish the calculation and
dan nilai Liquidity Coverage Ratio (LCR) Triwulanan sebagaimana diatur dalam ketentuan value of the Quarterly Liquidity Coverage Ratio (LCR) as stipulated in the regulation concerning
mengenai kewajiban pemenuhan rasio kecukupan likuiditas (LCR) bagi Bank umum. the obligation to fulfill the Liquidity Coverage Ratio (LCR) for commercial banks. The LCR value
Nilai LCR pertama kali disajikan untuk posisi laporan bulan Maret 2019. was first presented for the March 2019 reporting period.
**) Disajikan kembali **) Restated
Informasi mengenai kinerja ekonomi KB Bank secara More comprehensive information regarding KB Bank’s
lebih komprehensif dapat ditemukan dalam Laporan economic performance can be found in the Company’s
Tahunan Perseroan Tahun 2025, khususnya pada Bab 2025 Annual Report, particularly in the Management
Analisa dan Pembahasan Manajemen. Discussion and Analysis chapter.
Distribusi Nilai Ekonomi Distribution of Economic Value
Sejalan dengan pencapaian kinerja ekonomi yang In line with the economic performance achieved, KB Bank
telah diraih, KB Bank telah memetakan distribusi nilai has mapped the distribution of economic value, which
ekonomi yang mencakup nilai ekonomi langsung yang includes direct economic value generated, economic
dihasilkan, nilai ekonomi yang didistribusikan, serta value distributed, and economic value retained. The
nilai ekonomi yang disimpan. Nilai ekonomi langsung direct economic value generated represents revenue
yang dihasilkan merupakan pendapatan yang diperoleh derived from KB Bank’s core business activities.
dari aktivitas bisnis utama KB Bank.
Sementara itu, nilai ekonomi yang didistribusikan Meanwhile, the economic value distributed reflects
mencerminkan kontribusi KB Bank terhadap KB Bank’s contribution to economic growth and
pertumbuhan ekonomi dan kesejahteraan pemangku stakeholder welfare. The economic value retained
kepentingan. Adapun nilai ekonomi yang disimpan represents the difference between the economic
adalah selisih antara nilai ekonomi yang dihasilkan value generated and the economic value distributed.
dengan nilai ekonomi yang didistribusikan. These funds are utilized to support business
Dana tersebut digunakan untuk mendukung sustainability and the future development of KB Bank’s
keberlanjutan usaha dan pengembangan bisnis KB operations. [GRI 3-3][GRI 201-1]
Bank di masa mendatang. [GRI 3-3][GRI 201-1]
Distribusi Nilai Ekonomi
Distribution of Economic Value
Uraian
2025 2024 2023
Description
Nilai Ekonomi Langsung yang Dihasilkan
Generated Direct Economic Value
Pendapatan Bunga dan Syariah
Interest and Sharia Income
Pendapatan Bunga
4.892.632 4.931.273 4.374.694
Interest Income
Pendapatan Syariah
545.088 522.826 486.942
Sharia Income
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Kinerja Berkelanjutan Sustainability Performance
Uraian
2025 2024 2023
Description
Pendapatan Operasional Lainnya
Other Operating Income
Provisi dan komisi lainnya
228.656 229.948 333.732
Other fees and commissions
Keuntungan (kerugian) atas penjualan surat-surat berharga-neto
22.508 1.586 (8.899)
Gain (Loss) on Sale of Marketable Securities – Net
Keuntungan (kerugian) selisih kurs – neto
159.841 40.476 29.265
Gain (Loss) on Foreign Exchange – Net
Lain-lain
105.628 78.036 102.429
Others
Total Nilai Ekonomi Langsung yang Dihasilkan
5.954.353 5.804.145 5.318.163
Total Generated Direct Economic Value
Nilai Ekonomi Langsung yang Didistribusikan
Distributed Direct Economic Value
Beban Bunga dan Syariah
(4.245.774) (4.301.374) (4.052.754)
Interest Expense and Sharia Charges
Beban Penyisihan Kerugian Penurunan Nilai atas Aset Keuangan – Neto
(450.212) (3.452.900) (5.537.792)
Provision for Allowance for Impairment Losses on Financial Assets – Net
Beban Penyisihan Kerugian Penurunan Nilai atas Aset Non-Keuangan
9.015 (798.341) (269.055)
Provision for Allowance for Impairment Losses on Non-Financial Assets – Net
Beban Operasional Lainnya (Umum dan Administrasi termasuk Gaji dan Tunjangan
Karyawan, serta Program Penjaminan Pemerintah)
(2.134.761) (2.026.036) (2.280.382)
Other Operating Expenses (General and Administrative, including Salaries and
Employee Benefits, and Premium on Government Guarantee Program)
Total Ekonomi Langsung yang Didistribusikan
(6.822.689) (10.579.358) (12.140.741)
Total Distributed Direct Economic Value
Nilai Ekonomi yang Disimpan
(868.336) (4.775.213) (6.822.578)
Retained Economic Value
Realisasi Penerapan Keuangan Realization of Sustainable Finance
Berkelanjutan Implementation
Sepanjang tahun 2025, KB Bank mengarahkan berbagai Throughout 2025, KB Bank directed its various programs
program dan kebijakan untuk memastikan bahwa and policies to ensure that financing, investment, and
pembiayaan, investasi, dan pengelolaan portofolio portfolio management not only generate economic
usaha tidak hanya menghasilkan nilai ekonomi, value but also support the achievement of sustainable
tetapi juga mendukung pencapaian tujuan development goals through the integration of
pembangunan berkelanjutan melalui integrasi aspek environmental, social, and governance (ESG) aspects
lingkungan, sosial, dan tata kelola (LST) dalam in business decision-making.
pengambilan keputusan bisnis.
Sejalan dengan itu, dalam penyaluran dana, KB Bank In line with such, in the context of fund disbursement,
mencatat bahwa pembiayaan yang memenuhi kriteria KB Bank recorded that financing meeting the criteria
kegiatan usaha berkelanjutan pada tahun 2025 for sustainable business activities in 2025 decreased
mengalami penurunan dibandingkan tahun 2024. compared to 2024. The percentage of total sustainable
Persentase total kredit atau pembiayaan berkelanjutan credit or financing to the Bank’s overall portfolio in 2025
terhadap keseluruhan portofolio KB Bank tercatat was recorded at 8.83%.
sebesar 8,83% pada tahun 2025.
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Transformation towards a Stronger Sustainable and Inclusive Growth
Realisasi Penerapan Keuangan Berkelanjutan (Rp Triliun) [OJK F.3]
Realization of Sustainable Finance Implementation (IDR Trillion)
2025 2024 2023
Uraian
Description Realisasi Target Realisasi Target Realisasi Target
Realization Target Realization Target Realization Target
Jumlah produk yang memenuhi kriteria kegiatan usaha berkelanjutan
Number of products that meet the criteria for sustainable business activities
Penghimpunan Dana
- - - - - -
Fund Raising
Penyaluran Dana
Fund Channeling 3,93 - 4,03 - 4,55 -
Total Aset Produktif Kegiatan Usaha Berkelanjutan
Total Productive Assets of Sustainable Business Activities
Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan
Total Credit/Financing for Sustainable Business Activities 3,93 - 4,03 - 4,55 -
Total Non-Kredit/Pembiayaan Non-Kegiatan Usaha
Berkelanjutan
40,61 - 37,52 - 39,73 -
Total Non-Credit/Financing for Non-Sustainable Business
Activities
Persentase total kredit/pembiayaan kegiatan usaha
berkelanjutan terhadap total kredit/pembiayaan bank (%)
8,83 - 10,35 - 11,45 -
Percentage of total credit/financing for sustainable business
activities to the total bank credit/financing
KB Bank Perkuat Transisi Energi Hijau Indonesia, KB Bank Strengthens Indonesia’s Green Energy
Dorong Pertumbuhan Industri Motor Listrik Transition, Driving the Growth of the Electric
Motorcycle Industry
Sebagai wujud komitmen terhadap pembangunan berkelanjutan As part of its commitment to sustainable development and
dan transisi energi bersih, KB Bank menandatangani kerja clean energy transition, KB Bank signed a strategic cooperation
sama strategis untuk mendukung pengembangan serta agreement to support the development and utilization of
pemanfaatan kendaraan listrik roda dua di Indonesia. Kemitraan two-wheeled electric vehicles in Indonesia. This partnership
ini melibatkan mitra strategis dari Indonesia dan Korea Selatan, involves strategic collaborators from Indonesia and South
termasuk PT Etiga Mobility Indonesia (E3 Mobility), PT DAT Korea, including PT Etiga Mobility Indonesia (E3 Mobility),
Mobility Systems (DMS), LG Energy Solution (LG ES), dan Kwon PT DAT Mobility Systems (DMS), LG Energy Solution (LG ES),
Electronics, dengan dukungan PT PLN (Persero) dan PLN Icon and Kwon Electronics, with support from PT PLN (Persero) and
Plus dalam pengembangan bisnis Beyond kWh. PLN Icon Plus in developing the Beyond kWh business.
Inisiatif ini menjadi langkah penting KB Bank dalam mendukung This initiative marks an important step for KB Bank in supporting
pengembangan motor listrik roda dua di Indonesia. Dukungan the development of two-wheeled electric motorcycles in
terhadap transisi energi hijau bukan sekadar transaksi, Indonesia. Support for the green energy transition is not merely
melainkan investasi jangka panjang untuk masa depan yang a transaction, but a long-term investment in a sustainable
berkelanjutan, sekaligus bukti nyata komitmen KB Bank future, as well as tangible evidence of KB Bank’s commitment
terhadap prinsip Environmental, Social, and Governance (ESG). to Environmental, Social, and Governance (ESG) principles.
KB Bank dan Danamas Perluas Akses Pembiayaan KB Bank and Danamas Expand Access to MSME
UMKM Financing
KB Bank bersama Danamas (PT Pasar Dana Pinjaman) resmi KB Bank and Danamas (PT Pasar Dana Pinjaman) officially
menandatangani Nota Kesepahaman (MoU) untuk kerja signed a Memorandum of Understanding (MoU) for a strategic
sama strategis dalam memperluas akses pembiayaan bagi partnership aimed at expanding access to financing for micro,
pelaku usaha mikro, kecil, dan menengah (UMKM). MoU ini small, and medium enterprises (MSMEs). This MoU marks an
menjadi langkah penting dalam upaya KB Bank meningkatkan important step in KB Bank’s efforts to increase its penetration
penetrasi segmen UMKM sekaligus memperkuat ekosistem in the MSME segment while strengthening the digital-based
layanan keuangan berbasis digital. financial services ecosystem.
Melalui kerja sama ini, KB Bank akan menyalurkan pembiayaan Through this collaboration, KB Bank will channel financing
senilai Rp500 miliar kepada mitra Danamas melalui tiga produk amounting to IDR 500 billion to Danamas’ partners through
utama: three main products:
• Equipment Financing – mendukung investasi peralatan dan • Equipment Financing – supporting investment in equipment
teknologi bagi pelaku usaha. and technology for business operators.
• Vendor Financing – menyediakan modal kerja bagi vendor • Vendor Financing – providing working capital for vendors
mitra perusahaan besar. partnered with large corporations.
• Distributor Financing – memperkuat distribusi dan • Distributor Financing – strengthening distribution channels
ketersediaan barang di berbagai wilayah. and product availability across various regions.
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Kinerja Berkelanjutan Sustainability Performance
Implikasi Finansial Serta Risiko dan Financial Implications and Other Risks
Peluang Lain Akibat dari Perubahan and Opportunities Resulting from
Iklim Climate Change
Bagi sektor perbankan, perubahan iklim membawa For the banking sector, climate change presents tangible
risiko nyata berupa meningkatnya potensi kredit risks in the form of an increased potential for non-
bermasalah, khususnya dari nasabah yang bergantung performing loans, particularly from customers who rely
pada sektor-sektor yang rentan terhadap dampak on sectors vulnerable to climate impacts. Uncertainty
iklim. Ketidakpastian cuaca ekstrem dan bencana due to extreme weather and hydrometeorological
hidrometeorologi dapat memengaruhi kemampuan disasters may affect customers’ ability to meet their
nasabah dalam memenuhi kewajiban finansial, financial obligations, thereby adding pressure to the
sehingga menambah tekanan terhadap stabilitas stability of the credit portfolio.
portofolio kredit.
Dalam rangka mendukung implementasi manajemen To support climate change risk management, KB Bank
risiko atas perubahan iklim, KB Bank telah melakukan has conducted simulations of Climate Risk Management
simulasi penerapan Climate Risk Management and and Scenario Analysis (CRMS), specifically regarding
Scenario Analysis (CRMS), khususnya terkait dampak the impact on credit risk, including transition risk and
terhadap risiko kredit yang mencakup risiko transisi dan physical risk. This simulation involved participation
risiko fisik melalui partisipasi dalam beberapa workshop in several workshops organized by OJK, in-house
yang diselenggarakan oleh OJK, pelaksanaan in-house training involving relevant divisions/departments, and
training yang melibatkan divisi/departemen terkait, submission of the 2025 CRMS Piloting Report to OJK.
serta penyampaian Laporan Piloting CRMS Tahun 2025 [GRI 3-3] [GRI 201-2]
kepada OJK. [GRI 3-3] [GRI 201-2]
KB Bank perlu waspada dan mengantisipasi risiko KB Bank needs to be vigilant and anticipate risks related
terkait perubahan iklim sesuai dengan skenario OJK, to climate change in accordance with OJK’s scenarios,
yang meliputi risiko transisi yang dapat berpotensi which include transition risks that could potentially
menurunkan kemampuan bayar debitur, khususnya reduce borrowers’ repayment capacity, particularly in
di segmen wholesale, serta risiko fisik, seperti banjir the wholesale segment, as well as physical risks, such
dan kebakaran di wilayah tertentu, seperti Jakarta as floods and fires in certain areas, such as South
Selatan dan Palembang, yang dapat menurunkan nilai Jakarta and Palembang, which could reduce the value
agunan debitur. of borrowers’ collateral.
Kewajiban Program Pensiun Manfaat Obligations Of Defined Benefit
Pasti dan Program Pensiun Lainnya Pension Plans And Other Pension
[GRI 201-3] Plans [GRI 201-3]
KB Bank menyediakan program imbalan pascakerja KB Bank provides post-employment benefit programs
sebagai bentuk komitmen dalam memastikan as a form of commitment to ensuring employee welfare
kesejahteraan karyawan setelah masa kerja berakhir. after the end of their service period. These programs
Program ini mencakup program pensiun manfaat pasti include defined benefit pension plans and/or defined
dan/atau program pensiun iuran pasti yang dikelola sesuai contribution pension plans managed in accordance
dengan ketentuan peraturan perundang-undangan with applicable laws and regulations as well as KB
yang berlaku serta kebijakan internal KB Bank. Program Bank internal policies. The defined benefit pension
pensiun manfaat pasti dan/atau program pensiun iuran plans and/or defined contribution pension plans are
pasti dihitung berdasarkan rumus Actuarial Basis. calculated based on the formula Actuarial Basis.
Pada 31 Desember 2025, jumlah karyawan yang berhak As of December 31, 2025, the number of employees
atas imbalan pasca kerja tercatat sebanyak 2.067 entitled to post-employment benefits amounted to
orang, menurun dibandingkan tahun sebelumnya yang 2,067 persons, decreasing compared to the previous
mencapai 2.370 orang. [GRI 3-3][GRI 201-3] year, which totaled 2,370 persons. [GRI 3-3][GRI 201-3]
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Bantuan Finansial yang Diterima dari Financial Assistance Received from
Pemerintah The Government
Sepanjang tahun pelaporan, KB Bank tidak menerima Throughout the reporting year, KB Bank did not receive
bantuan finansial dari pemerintah. [GRI 3-3][GRI 201-4] any financial assistance from the government. [GRI 3-3]
[GRI 201-4]
Dampak Ekonomi Tidak Langsung Indirect Economic Impacts
[OJK F.23][GRI 203-1][GRI 203-2][GRI 413-2] [OJK F.23][GRI 203-1][GRI 203-2][GRI 413-2]
Sebagai lembaga keuangan, KB Bank tidak hanya As a financial institution, KB Bank not only contributes
berkontribusi melalui penciptaan nilai ekonomi through the creation of direct economic value but
langsung, tetapi juga memberikan dampak ekonomi also generates significant indirect economic impacts
tidak langsung yang signifikan bagi masyarakat dan for communities and stakeholders. These impacts are
pemangku kepentingan. Dampak ini tercermin dalam reflected in various aspects, including:
berbagai aspek, antara lain:
• Akses terhadap layanan keuangan: KB Bank • Access to financial services: KB Bank provides
menyediakan produk dan layanan perbankan banking products and services such as KBstar that
seperti KBstar yang mendukung inklusi keuangan, support financial inclusion, enabling the public and
sehingga masyarakat dan pelaku usaha, termasuk business actors, including MSMEs, to gain broader
UMKM, dapat memperoleh akses pembiayaan access to financing.
yang lebih luas.
• Pemberdayaan ekonomi lokal: Melalui penyaluran • Local economic empowerment: Through the
kredit dan pembiayaan, KB Bank berperan provision of credit and financing, KB Bank plays a
dalam mendorong pertumbuhan usaha kecil role in promoting the growth of small and medium
dan menengah, menciptakan lapangan kerja enterprises, creating new job opportunities, and
baru, serta meningkatkan daya saing sektor riil. enhancing the competitiveness of the real sector.
Pada tahun 2025, KB Bank telah menyalurkan In 2025, KB Bank had extended credit and financing
kredit dan pembiayaan kepada 316 pelaku UMKM. to 316 MSME actors.
• Terbukanya lapangan pekerjaan: Penyaluran • Job Creation: Financing disbursed by KB Bank to
pembiayaan KB Bank kepada sektor produktif, productive sectors, particularly to 316 MSMEs,
khususnya kepada 316 UMKM, memberikan generates indirect economic impacts through
dampak ekonomi tidak langsung melalui increased business capacity and the expansion
peningkatan kapasitas usaha dan aktivitas bisnis of clients’ business activities. This growth drives
nasabah. Pertumbuhan usaha tersebut mendorong demand for labor, thereby contributing to job
kebutuhan tenaga kerja, sehingga berkontribusi creation and strengthening the local economy.
pada penciptaan lapangan kerja serta penguatan
ekonomi lokal.
• Kontribusi terhadap rantai pasok: Operasional • Contribution to the supply chain: KB Bank’s
KB Bank melibatkan 180 mitra dan penyedia operations involve 180 local partners and providers
barang dan jasa lokal atau 96% dari total of goods and services, or 96% of total suppliers,
pemasok, sehingga memberikan multiplier effect thereby generating a multiplier effect on the
terhadap perekonomian melalui aktivitas bisnis economy through sustainable business activities.
yang berkelanjutan.
• Peningkatan kapasitas masyarakat: Program • Capacity building of the community: Financial
literasi keuangan dan edukasi yang dijalankan KB literacy and education programs implemented
Bank seperti KB Bank Goes to Campus, KB Bank by KB Bank, such as KB Bank Goes to Campus,
Goes to School, dan KB Bank Empower MSME KB Bank Goes to School, and KB Bank Empower
yang membantu meningkatkan pemahaman MSME, help improve public understanding of
masyarakat mengenai pengelolaan keuangan. financial management. These programs provide
Program-program tersebut memberikan manfaat benefits to 1,269 individuals.
kepada 1.269 orang.
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Menjaga Kelestarian Lingkungan
Preserving The Environment
KB Bank mendukung penerapan keberlanjutan melalui KB Bank supports the implementation of sustainability
pengelolaan operasional yang lebih ramah lingkungan. through more environmentally responsible operational
Upaya ini diwujudkan melalui internalisasi prinsip Green management. This is reflected in the internalization
Banking seperti efisiensi penggunaan energi, air, dan of Green Banking principles, including efficiency in
kertas, pemanfaatan energi baru terbarukan, serta the use of energy, water, and paper, the utilization
penguatan budaya kerja yang lebih ramah lingkungan. of renewable energy, and the strengthening of a
Berbagai inisiatif tersebut menjadi bagian dari komitmen more environmentally conscious work culture. These
KB Bank untuk mengurangi jejak lingkungan sekaligus initiatives form part of KB Bank commitment to
mendukung praktik operasional yang lebih berkelanjutan. reducing its environmental footprint while supporting
more sustainable operational practices.
Seiring dengan itu, KB Bank juga terus memperkuat At the same time, KB Bank continues to strengthen its
praktik responsible financing dengan menyeimbangkan responsible financing practices by balancing business
antara pertumbuhan bisnis dan pengelolaan risiko growth with the management of sustainability risks.
keberlanjutan. Upaya ini dilakukan untuk memitigasi This effort aims to mitigate potential impacts while
potensi dampak serta secara bertahap mengarahkan gradually directing the financing portfolio toward
portofolio pembiayaan ke sektor-sektor yang memiliki sectors with more manageable risk profiles. Through
profil risiko yang lebih terkelola. Dengan pendekatan this approach, KB Bank seeks to support the transition
tersebut, KB Bank berupaya mendukung upaya transisi toward a green economy through financing policies
menuju green economy melalui kebijakan pembiayaan that are more selective, measured, and oriented toward
yang lebih selektif, terukur, dan berorientasi long-term sustainability.
jangka panjang.
Komitmen dan Kebijakan [GRI 3-3] Commitment and Policies [GRI 3-3]
Dukungan terhadap pelestarian lingkungan Support for environmental preservation is also
diimplementasikan melalui pengelolaan operasional implemented through environmentally friendly office
kantor yang ramah lingkungan. KB Bank menerapkan operations management. KB Bank applies the 3R
prinsip 3R (Reduce, Reuse, Recycle) sebagai principles (Reduce, Reuse, Recycle) as an effort to
upaya mengoptimalkan penggunaan sumber daya, optimize resource utilization, reduce waste generation,
mengurangi timbulan limbah, serta meningkatkan and enhance environmental awareness within
kesadaran lingkungan di lingkungan kerja. the workplace.
Untuk memastikan implementasinya berjalan konsisten, To ensure consistent implementation, KB Bank
KB Bank secara rutin meningkatkan pemahaman regularly enhances employees’ understanding of
karyawan mengenai pentingnya efisiensi dan perilaku the importance of efficiency and environmentally
ramah lingkungan. Penerapan prinsip tersebut friendly behavior. The application of these principles is
tercermin dalam berbagai inisiatif, seperti pengendalian reflected in various initiatives, such as controlling paper
konsumsi kertas, optimalisasi penggunaan energi consumption, optimizing energy and water usage, and
dan air, serta pengelolaan limbah dan air buangan managing waste and wastewater in a measurable
secara terukur guna meminimalkan risiko pencemaran. manner to minimize pollution risks. In addition, KB
Selain itu, KB Bank turut mendukung upaya pelestarian Bank supports environmental conservation efforts,
alam, termasuk perlindungan keanekaragaman including biodiversity protection, and is committed to
hayati, dan berkomitmen mempertimbangkan aspek considering environmental aspects in the development
lingkungan dalam pengembangan jaringan kantor of its office network by not locating offices in protected
dengan tidak berlokasi di area lindung maupun wilayah areas or regions with high biodiversity value.
yang memiliki nilai biodiversitas tinggi.
87 Laporan Keberlanjutan 2025 Sustainability Report
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Material Ramah Lingkungan Environmentally Friendly Materials
KB Bank berkomitmen untuk menekan konsumsi KB Bank is committed to reducing paper consumption
kertas sebagai bagian dari upaya mengurangi dampak as part of its efforts to minimize environmental
lingkungan. Komitmen ini diwujudkan melalui penerapan impacts. This commitment is realized through the
inisiatif paperless yang telah dimulai sejak penggunaan implementation of a paperless initiative that began
aplikasi Surat Memorandum Elektronik (SME) dan terus with the use of the Electronic Memorandum Letter
berkembang dengan implementasi KB Bank Office (SME) application and has continued to develop with
Communication sebagai platform komunikasi internal. the implementation of KB Bank Office Communication
as an internal communication platform.
Digitalisasi juga diperluas pada layanan nasabah, Digitalization has also been expanded to customer
antara lain melalui penyediaan rekening koran services, including the provision of electronic bank
elektronik serta fasilitas perbankan berbasis daring statements as well as online-based banking facilities
seperti internet banking dan mobile banking, sehingga such as internet banking and mobile banking, thereby
kebutuhan akan dokumen fisik dapat diminimalkan. minimizing the need for physical documents. In certain
Dalam kondisi tertentu ketika penggunaan kertas masih situations where paper usage remains necessary, KB
diperlukan, KB Bank menerapkan langkah efisiensi Bank implements efficiency measures by optimizing
dengan mengoptimalkan pencetakan dua sisi serta double-sided printing and reusing paper that still has
memanfaatkan kembali kertas yang masih memiliki blank space for internal purposes. Paper that can no
ruang kosong untuk kebutuhan internal. Adapun kertas longer be used is managed in cooperation with third
yang sudah tidak dapat digunakan dikelola melalui parties for recycling or reuse.
kerja sama dengan pihak ketiga untuk didaur ulang
atau dimanfaatkan kembali.
Untuk limbah kertas yang memuat informasi sensitif, For paper waste containing sensitive information, KB
KB Bank terlebih dahulu melakukan penghancuran Bank first destroys the documents to safeguard data
dokumen guna menjaga kerahasiaan data sebelum confidentiality before the recycling process is carried
proses daur ulang dilakukan. Meskipun kertas tergolong out. Although paper is categorized as a biodegradable
material yang mudah terurai, KB Bank saat ini belum material, KB Bank has not yet utilized recycled products
memanfaatkan produk hasil daur ulang dalam kegiatan in its daily operational activities. These various
operasional sehari-hari. Adapun hasil dari berbagai initiatives resulted in a 15.66% reduction in paper
inisiatif tersebut memberikan dampak pada penurunan consumption from the previous year’s consumption.
konsumsi kertas 15,66% dari tahun sebelumnya.
Total Penggunaan Kertas [OJK F.5]
Total Paper Usage
Satuan
Material 2025 2024 2023
Unit
Kertas Rim
3.054 3.621 4.211
Paper Ream
Penurunan penggunaan kertas dari tahun sebelumnya
Decrease in paper consumption from the previous year 15,66%
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Pengelolaan Energi Energy Management
Dalam mendukung kelancaran operasional, KB Bank In supporting smooth operations, KB Bank utilizes
memanfaatkan dua sumber energi utama, yaitu listrik two main energy sources, namely electricity and fuel
dan bahan bakar minyak (BBM) yang diperoleh dari (BBM) obtained from third parties. Electricity plays an
pihak ketiga. Listrik berperan penting dalam menunjang essential role in supporting office activities, ranging
aktivitas perkantoran, mulai dari penerangan hingga from lighting to the operation of work equipment such
pengoperasian perangkat kerja seperti komputer, as computers, air conditioners, and other supporting
pendingin ruangan, dan peralatan pendukung lainnya. devices. Meanwhile, fuel (BBM) is used for operational
Sementara itu, BBM digunakan untuk kendaraan vehicles as well as a power source for generators
operasional serta sebagai sumber daya bagi generator (gensets) to ensure service continuity in the event of a
set (genset) guna memastikan keberlangsungan power supply disruption. [GRI 3-3]
layanan saat terjadi gangguan pasokan listrik. [GRI 3-3]
Sebagai langkah efisiensi penggunaan energi, KB As a step towards efficient use of energy, KB Bank
Bank menerapkan berbagai langkah penghematan, implements various energy-saving measures, including
antara lain dengan memastikan perangkat elektronik ensuring that electronic devices are turned off when
dimatikan saat tidak digunakan, mengganti lampu not in use, replacing lamps with more energy-efficient
dengan teknologi yang lebih hemat energi, melanjutkan technology, continuing the practice of online meetings
praktik rapat daring untuk mengurangi konsumsi BBM, to reduce fuel consumption, and maximizing natural
serta memaksimalkan pencahayaan alami melalui lighting through space designs that allow sunlight to
desain ruang yang memungkinkan masuknya sinar enter. Electricity usage is also managed in a measured
matahari. Penggunaan listrik juga dikelola secara manner during operational hours to support more
terukur selama jam operasional untuk mendukung responsible energy consumption practices. [GRI 3-3]
praktik konsumsi energi yang lebih bertanggung jawab. [OJK F.7][OJK F.12]
[GRI 3-3][OJK F.7][OJK F.12]
Selain itu, KB Bank mulai mengadopsi sumber energi Furthermore, KB Bank has begun adopting more
yang lebih berkelanjutan melalui pemasangan panel sustainable energy sources through the installation
surya di sejumlah kantor operasional. Inisiatif ini of solar panels at several operational offices. This
diharapkan dapat mengurangi ketergantungan pada initiative is expected to reduce dependence on
energi konvensional sekaligus berkontribusi dalam conventional energy while contributing to the reduction
menekan emisi gas rumah kaca yang timbul dari of greenhouse gas emissions arising from operational
aktivitas operasional. Berdasarkan inisiatif-inisiatif activities. Based on these initiatives, KB Bank’s energy
tersebut, penggunaan energi KB Bank tahun 2025 consumption in 2025 decreased by 6.84% from that of
mengalami penurunan 6,84% dari tahun sebelumnya. the previous year.
KB Bank juga telah menghitung intensitas konsumsi KB Bank has also calculated energy consumption
energi berdasarkan pendapatan operasional. intensity based on operating revenue. This calculation
Perhitungan ini dilakukan sesuai dengan Panduan was carried out in accordance with the IDX ESG
Pelaporan ESG Sistem Pelaporan IDX (Versi 1.0). Reporting Guidelines (Version 1.0).
Total Konsumsi Energi dan Intensitas Energi [OJK F.6][GRI 302-1][GRI 302-3]
Total Energy Consumption and Energy Intensity
Sumber Energi Satuan
2025 2024 2023
Energy Source Unit
Listrik kWh 12.626.023 13.432.943 18.078.000
Electricity
Gigajoule 45.453,68 48.358,6 65.080,8
BBM Liter 566.635 609.914 857.939
Fuel
Gigajoule 19.387 20.859 29.342
Total Gigajoule 64.840,68 69.217,6 94.422,8
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Sumber Energi Satuan
2025 2024 2023
Energy Source Unit
Pendapatan Bunga dan Syariah Rp miliar
5.437.720 5.419.839 4.861.636
Interest and Sharia Income IDR billion
Intensitas Energi Per Pendapatan Bunga Gigajoule/Rp miliar
0,012 0,013 0,019
Energy Intensity per Interest Income Gigajoule/IDR billion
Penurunan penggunaan energi dari tahun sebelumnya
Decrease in energy consumption from the previous year 6,84%
Sementara itu, untuk konsumsi energi di luar organisasi, Meanwhile, for energy consumption outside the
seperti penggunaan BBM dan listrik oleh pemasok/ organization, such as the use of fuel (BBM) and
mitra, KB Bank tidak bisa melaporkan karena dalam electricity by suppliers/partners, KB Bank is unable
perjanjian kerja sama dengan pemasok tidak terdapat to report, as cooperation agreements with suppliers
klausul tentang pencatatan volume energi yang do not include clauses regarding the recording of
dikeluarkan oleh mitra. Dengan demikian, Bank juga energy volumes consumed by partners. Accordingly,
belum bisa menyampaikan informasi tentang emisi the Bank is also not yet able to disclose information
gas rumah kaca (Cakupan 3) tidak langsung lainnya. on other indirect greenhouse gas emissions (Scope 3).
[GRI 302-2][GRI 305-3] [GRI 302-2][GRI 305-3]
KB Bank juga belum dapat menghitung angka absolut KB Bank has not yet been able to calculate absolute
terkait pengurangan konsumsi energi dan emisi yang figures for reductions in energy consumption and
berasal dari sejumlah inisiatif efisiensi energi dan emisi. emissions resulting from various energy and emissions
KB Bank masih dalam tahap pengembangan metodologi efficiency initiatives. KB Bank is still in the process of
dan penyempurnaan sistem pemantauan dan ke depan developing methodologies and refining monitoring
akan terus mengembangkan proses pengumpulan dan systems, and will continue to enhance data collection
pengukuran data yang lebih akurat. [GRI 302-4][GRI 302-5] and measurement processes to achieve greater
[GRI 305-5] accuracy in the future. [GRI 302-4][GRI 302-5][GRI 305-5]
Pengelolaan Emisi Gas Rumah Kaca Greenhouse Gas (GHG) Emissions
(GRK) Management
KB Bank berkomitmen mengelola serta menekan KB Bank is committed to managing and reducing
emisi secara bertanggung jawab melalui peningkatan emissions responsibly through improved energy
efisiensi energi dan pengendalian penggunaan sumber efficiency and controlled resource utilization in
daya dalam kegiatan operasional. Dalam konteks operational activities. In the context of its business
aktivitas usaha, sumber emisi utama KB Bank berasal activities, KB Bank primary emission sources originate
dari konsumsi listrik dan bahan bakar minyak (BBM). from electricity consumption and fuel (BBM) usage.
[GRI 3-3] [GRI 3-3]
Pada laporan ini, KB Bank mengungkapkan emisi GRK In this report, KB Bank discloses direct GHG emissions
langsung (Cakupan 1) yang timbul dari penggunaan (Scope 1) arising from fuel (BBM) consumption, as well
BBM, serta emisi tidak langsung (Cakupan 2) yang terkait as indirect emissions (Scope 2) related to electricity
dengan konsumsi listrik. Dari kedua cakupan tersebut, consumption. Of these two scopes, carbon dioxide
karbon dioksida (CO₂) menjadi jenis emisi yang paling (CO₂) constitutes the most dominant type of emission
dominan sehingga menjadi fokus utama dalam upaya and therefore becomes the primary focus of KB Bank
pengelolaan dan pengurangan emisi KB Bank. emission management and reduction efforts.
Dalam melakukan pengukuran emisi yang berasal dari In measuring emissions resulting from fuel (BBM)
konsumsi bahan bakar minyak (BBM), KB Bank mengacu consumption, KB Bank refers to the Tier-1 methodology
pada metodologi Tier-1 yang umum digunakan di commonly applied in Indonesia and other developing
Indonesia serta negara berkembang (non-Annex I). (non-Annex I) countries. This approach calculates
Pendekatan ini menghitung emisi berdasarkan data emissions based on energy consumption data
konsumsi energi yang dikalikan dengan faktor emisi multiplied by standard emission factors as stipulated
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standar sebagaimana ditetapkan dalam pedoman IPCC in the IPCC 2006 Guidelines (Intergovernmental Panel
2006 (Intergovernmental Panel on Climate Change). on Climate Change). Meanwhile, emissions from
Sementara itu, emisi dari penggunaan listrik diperoleh electricity consumption were calculated by multiplying
dengan mengalikan konsumsi listrik (dalam kWh per electricity usage (in kWh per year) by the average grid
tahun) dengan average grid emission factor yang emission factor issued by the Ministry of Energy and
dikeluarkan Kementerian ESDM merujuk RUPTL PLN Mineral Resources (ESDM), referring to PLN RUPTL
2015-2024 yaitu sebesar 0,934 kgCO₂/kWh (2017). 2015–2024, which is 0.934 kgCO₂/kWh (2017).
Selaras dengan penurunan penggunaan energi, total In line with the reduction in energy use, total GHG
emisi GRK yang dihasilkan tahun 2025 mengalami emissions produced in 2025 decreased by 6.12% from
penurunan 6,12% dari tahun sebelumnya. that of the previous year.
Total Emisi GRK dan Intensitas Emisi GRK [OJK F.11][GRI 305-1][GRI 305-2][GRI 305-4]
Total GHG Emission and GHG Emission Intensity
Emisi Satuan
2025 2024 2023
Emission Unit
Cakupan 1
KgCO2 1.296.020 1.395.009 1.961.883
Scope 1
Cakupan 2
KgCO2 11.792.705 12.546.369 16.884.852
Scope 2
Total
KgCO2 13.088.725 13.941.378 18.846.735
Total
Pendapatan Bunga dan Syariah Rp miliar
5.437.720 5.419.839 4.861.636
Interest and Sharia Income IDR billion
Intensitas Emisi GRK KgCO2/Rp miliar
2,41 2,57 3,88
GHG Emission Intensity KgCO2/IDR billion
Penurunan total emisi GRK dari tahun sebelumnya
Reduction in total GHG emissions from the previous year 6,12%
Sebagai wujud komitmen terhadap praktik As a manifestation of its commitment to sustainability
keberlanjutan sekaligus dukungan terhadap kebijakan practices and support for government policies in
pemerintah dalam menjaga lapisan ozon, KB Bank protecting the ozone layer, KB Bank has discontinued
telah menghentikan penggunaan bahan perusak the use of ozone-depleting substances in its operations.
ozon dalam operasionalnya. Langkah ini mencakup This measure includes the elimination of freon or
penghapusan freon atau chlorofluorocarbon (CFC) chlorofluorocarbon (CFC) in cooling systems, including
pada sistem pendingin, termasuk perangkat AC dan air conditioning units and refrigerators, as well as the
lemari pendingin, serta tidak lagi menggunakan Alat discontinuation of halon-based Light Fire Extinguishers
Pemadam Api Ringan (APAR) berbasis halon yang (APAR) that have the potential to damage the ozone
berpotensi merusak lapisan ozon. [GRI 305-6] layer. [GRI 305-6]
Sebagai pengganti, KB Bank mengadopsi refrigeran As a replacement, KB Bank has adopted R32 refrigerant,
R32 yang memiliki tingkat potensi perusakan ozon which has a lower ozone depletion potential while
lebih rendah sekaligus menawarkan efisiensi energi offering better energy efficiency. In addition, the fire
yang lebih baik. Selain itu, media pemadam api yang extinguishing media used has been switched to more
digunakan telah beralih ke bahan yang lebih ramah environmentally friendly materials. This initiative
lingkungan. Inisiatif ini mencerminkan upaya KB Bank reflects KB Bank’s efforts to mitigate environmental
dalam memitigasi dampak lingkungan dari aktivitas impacts arising from operational activities and to
operasional serta memperkuat penerapan prinsip strengthen the implementation of responsible business
bisnis yang bertanggung jawab. practices.
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Dalam pengelolaan emisi udara, KB Bank menerapkan In managing air emissions, KB Bank implements specific
kebijakan khusus terhadap armada kendaraan policies for its operational vehicle fleet as a measure
operasional sebagai langkah pengendalian dampak to control environmental impacts. This policy includes
lingkungan. Kebijakan ini mencakup pelaksanaan uji conducting periodic emission tests and limiting vehicle
emisi secara berkala serta pembatasan masa pakai usage to a maximum of five years, thereby ensuring
kendaraan hingga maksimal lima tahun, sehingga that carbon emission levels remain controlled and
tingkat emisi karbon dapat tetap terjaga dan memenuhi comply with regulatory standards. [GRI 305-7]
standar yang ditetapkan regulator. [GRI 305-7]
Pengelolaan Air Water Management
Air merupakan sumber daya esensial yang mendukung Water is an essential resource that supports the
kelancaran operasional KB Bank, terutama untuk smooth operation of KB Bank, particularly for domestic
kebutuhan domestik seperti sanitasi, fasilitas needs such as sanitation, worship facilities, workplace
ibadah, kebersihan area kerja, serta pemeliharaan cleanliness, and office environment maintenance. The
lingkungan kantor. Pasokan air utama diperoleh primary water supply is obtained from PDAM, while
dari PDAM, sementara air tanah dimanfaatkan groundwater is utilized as a backup source in the
sebagai sumber cadangan apabila terjadi gangguan event of distribution disruptions. This management
distribusi. Pengelolaan ini dilakukan untuk memastikan approach is implemented to ensure water availability
ketersediaan air tetap terjaga tanpa mengganggu is maintained without disrupting operational activities.
keberlangsungan aktivitas operasional. [GRI 3-3][GRI 303-1] [GRI 3-3][GRI 303-1]
Seiring meningkatnya tantangan terhadap Amid increasing challenges to the availability of
ketersediaan air bersih, KB Bank berupaya menerapkan clean water, KB Bank seeks to implement prudent
penggunaan air secara bijak sebagai bagian dari water usage as part of its commitment to preserving
komitmen terhadap pelestarian sumber daya alam. natural resources. Various efficiency measures are
Berbagai langkah efisiensi dijalankan, antara lain undertaken, including the installation of water-saving
melalui pemasangan imbauan penghematan di area reminders in public facilities, ensuring that faucets are
fasilitas umum, memastikan keran tertutup dengan properly closed, and conducting regular inspections
baik, serta melakukan inspeksi dan pemeliharaan and maintenance of piping systems to prevent leaks.
rutin pada jaringan perpipaan guna mencegah Through these practices, KB Bank strives to ensure that
kebocoran. Melalui praktik tersebut, penggunaan its water usage does not cause negative environmental
air KB Bank diupayakan tidak menimbulkan dampak impacts or exacerbate conditions in areas that may be
negatif terhadap lingkungan maupun memperburuk experiencing water stress. [GRI 3-3][GRI 303-1][GRI 303-2]
kondisi wilayah yang berpotensi mengalami tekanan
ketersediaan air. [GRI 3-3][GRI 303-1][GRI 303-2]
Total Pengambilan Air [OJK F.8][GRI 303-3]
Total Water Abstraction
Sumber Air Satuan
2025 2024 2023
Water Source Unit
Air PDAM
m3 158.214 157.655,35 303.394,08
PDAM Water
Air tanah
m3 0 0 0
Ground Water
Jumlah
m3 158.214 157.655,35 303.394,08
Total
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Di sisi lain, aktivitas pemanfaatan air menghasilkan air On the other hand, water utilization activities
limbah yang perlu dikelola sebelum dialirkan ke saluran generate wastewater that must be managed before
penerima seperti drainase. KB Bank melakukan proses being discharged into receiving channels such as
pengolahan terlebih dahulu guna memastikan kualitas drainage systems. KB Bank carries out prior treatment
air limbah memenuhi baku mutu yang berlaku sehingga processes to ensure that the quality of wastewater
tidak membahayakan ekosistem perairan maupun meets applicable standards and does not pose risks
masyarakat. Namun demikian, KB Bank saat ini belum to aquatic ecosystems or the community. However,
memiliki data kuantitatif terkait volume air limbah KB Bank currently does not yet have quantitative data
yang dibuang maupun tingkat konsumsi air secara regarding the volume of wastewater discharged or total
keseluruhan, sehingga informasi tersebut belum dapat water consumption, and therefore such information
diungkapkan dalam laporan ini. [GRI 303-4][GRI 303-5] cannot yet be disclosed in this report. [GRI 303-4][GRI 303-5]
Pengelolaan Limbah Waste Management
Sebagai bagian dari implementasi green banking, As part of the implementation of green banking,
KB Bank mengadopsi prinsip Reduce, Reuse, dan KB Bank adopts the Reduce, Reuse, and Recycle
Recycle (3R) dalam pengelolaan limbah untuk (3R) principles in waste management to minimize
meminimalkan dampak lingkungan dari aktivitas the environmental impact of its operational activities.
operasional. Salah satu inisiatif yang dijalankan One of the initiatives implemented is reducing the
adalah mengurangi penggunaan plastik sekali pakai, use of single-use plastics, particularly from beverage
khususnya dari kemasan minuman, dengan mendorong packaging, by encouraging employees to bring and use
karyawan membawa dan menggunakan tumbler pribadi personal tumblers as a more sustainable alternative.
sebagai alternatif yang lebih berkelanjutan. [OJK F.14] [OJK F.14]
Dalam pengelolaan sampah domestik, KB Bank In managing domestic waste, KB Bank provides
menyediakan fasilitas tempat sampah yang adequate waste bins throughout its operational
memadai di seluruh area operasional guna areas to support orderly waste collection.
mendukung pengumpulan limbah secara tertib. Throughout 2025, total waste generation was recorded
Sepanjang 2025, total timbulan sampah tercatat at 1,110,130 kilograms, a decrease of 6% compared to
sebesar 1.110.130 kilogram, menurun 6% dibandingkan the previous year’s 1,180,990 kilograms.
tahun sebelumnya sebesar 1.180.990 kilogram.
Total Timbulan Sampah [OJK F.13]
Total Waste Generation
Uraian Satuan
2025 2024 2023
Description Unit
Sampah
Kg 1.110.130 1.180.990 1.778.084
Waste
Adapun limbah non-bahan berbahaya dan beracun Non-hazardous and non-toxic waste (non-B3) is
(non-B3) dikelola melalui kerja sama dengan mitra managed in cooperation with third-party partners
pihak ketiga yang bertanggung jawab atas proses responsible for transportation and disposal processes
pengangkutan dan pembuangan sesuai ketentuan in accordance with environmental regulations. KB
lingkungan. KB Bank juga mengalokasikan anggaran Bank also allocates a specific budget to support waste
khusus untuk mendukung pengelolaan limbah, management, including septic tank desludging services
termasuk layanan pengurasan septic tank guna menjaga to maintain sanitation standards.
standar sanitasi.
Sementara itu, limbah B3 seperti aki dan oli Meanwhile, hazardous and toxic waste (B3) such as
bekas kendaraan operasional, lampu, cartridge, batteries and used oil from operational vehicles, lamps,
serta perangkat elektronik yang tidak terpakai, cartridges, and unused electronic devices are handled by
ditangani oleh penyedia jasa berizin agar proses licensed service providers to ensure that the management
pengelolaannya memenuhi regulasi yang berlaku. process complies with applicable regulations.
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Dengan pendekatan tersebut, pengelolaan limbah KB Through this approach, KB Bank strives to
Bank diupayakan tidak menimbulkan dampak negatif ensure that its waste management does not
bagi lingkungan maupun masyarakat sekitar. generate negative impacts on the environment or
surrounding communities.
Selain itu, dalam menjalankan kegiatan usaha, KB Bank In addition, in conducting its business activities, KB
tidak menggunakan bahan kimia atau zat berisiko tinggi Bank does not use chemicals or high-risk substances
yang berpotensi membahayakan kesehatan maupun that could pose hazards to health or the environment in
lingkungan apabila terjadi tumpahan. Hingga akhir the event of a spill. As of the end of the reporting period,
periode pelaporan, tidak terdapat insiden tumpahan there were no significant spill incidents, indicating that
signifikan, yang menunjukkan bahwa langkah the preventive and control measures implemented
pencegahan dan pengendalian yang diterapkan telah have been effective. [OJK F.15]
berjalan secara efektif. [OJK F.15]
Keanekaragaman Hayati Biodiversity
Sebagai institusi perbankan, aktivitas operasional As a banking institution, KB Bank’s operational activities
KB Bank tidak memiliki keterkaitan langsung maupun do not have direct links or significant impacts on
dampak signifikan terhadap keanekaragaman hayati. biodiversity. Nevertheless, KB Bank continues to place
Meski demikian, KB Bank tetap menempatkan biodiversity protection and environmental preservation
perlindungan keanekaragaman hayati dan pelestarian as part of its commitment to sustainability principles,
lingkungan sebagai bagian dari komitmen terhadap recognizing its fundamental role in maintaining
prinsip keberlanjutan, mengingat perannya yang environmental balance and quality of life. [OJK F.9]
fundamental dalam menjaga keseimbangan lingkungan
dan kualitas kehidupan. [OJK F.9]
Sebagai wujud komitmen terhadap pelestarian As a form of commitment to environmental preservation,
lingkungan, pada tahun 2025, KB Bank telah melakukan in 2025, KB Bank carried out CSR activities by
kegiatan CSR dengan memberikan bantuan motor providing assistance in garbage transport motorcycles
pengangkut sampah dan kontainer sampah untuk and garbage containers for Kupang City Regional
Pemerintah Daerah Kota Kupang. [OJK F.10] Government. [OJK F.10]
Biaya Pengelolaan Lingkungan Environmental Management Costs
Pada tahun 2025, KB Bank mengalokasikan biaya In 2025, KB Bank allocated environmental maintenance
pemeliharaan dan mitigasi lingkungan sebesar and mitigation costs amounting to IDR 151,439,000
Rp151.439.000 dalam bentuk pengadaan motor in the form of procurement of garbage transport
pengangkut sampah dan kontainer sampah untuk motorcycles and garbage containers for Kupang City
Pemda Kota Kupang. [OJK F.4] Government. [OJK F.4]
Kepatuhan Lingkungan Environmental Compliance
KB Bank secara konsisten mematuhi seluruh KB Bank consistently complies with all applicable
ketentuan dan regulasi di bidang lingkungan hidup environmental laws and regulations by ensuring
dengan memastikan bahwa kegiatan operasional that operational activities are carried out through
dijalankan melalui praktik yang bertanggung jawab responsible practices that take sustainability aspects
dan memperhatikan aspek keberlanjutan. Hingga akhir into account. As of the end of the reporting period, KB
periode pelaporan, KB Bank tidak menerima sanksi Bank did not receive any sanctions or fines related to
maupun denda terkait pelanggaran terhadap peraturan violations of environmental regulations. [OJK F.16][GRI 2-27]
lingkungan hidup. [OJK F.16][GRI 2-27]
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Mengembangkan Kompetensi
Sumber Daya Manusia
Developing Human Resource Competencies
KB Bank berkomitmen untuk terus mengembangkan
kompetensi dan meningkatkan kesejahteraan
karyawan, sehingga tercipta SDM yang berintegritas,
adaptif, serta siap menghadapi tantangan masa depan.
KB Bank is committed to continuously developing employee competencies
and enhancing employee welfare, thereby fostering human resources who
demonstrate integrity, adaptability, and readiness to face future challenges.
Komitmen dan Kebijakan [GRI 3-3] Commitment and Policies [GRI 3-3]
Bagi KB Bank, sumber daya manusia (SDM) yang unggul For KB Bank, high-quality human resources (HR) are
merupakan aset paling berharga sekaligus pilar utama the most valuable asset and a key pillar of business
dalam keberlanjutan bisnis. KB Bank berkomitmen untuk sustainability. KB Bank is committed to continuously
terus mengembangkan kompetensi dan meningkatkan developing employee competencies and improving
kesejahteraan karyawan, sehingga tercipta SDM yang employee welfare, thereby fostering a workforce that is
berintegritas, adaptif, serta siap menghadapi tantangan characterized by integrity, adaptability, and readiness
masa depan. to face future challenges.
Selain itu, KB Bank memastikan setiap karyawan In addition, KB Bank ensures that every employee
merasa aman dan nyaman di lingkungan kerja melalui feels safe and comfortable in the workplace by
penerapan standar Keselamatan dan Kesehatan implementing the best Occupational Health and Safety
Kerja (K3) terbaik. Upaya ini tidak hanya mendukung (OHS) standards. These efforts not only support the
terciptanya budaya kerja yang positif, tetapi juga creation of a positive work culture but also encourage
mendorong produktivitas maksimal yang berkontribusi maximum productivity that directly contributes to the
langsung terhadap pencapaian kinerja KB Bank. achievement of KB Bank’s performance.
Dalam mewujudkan hal tersebut, KB Bank memastikan In realizing this commitment, KB Bank human resource
bahwa seluruh kebijakan SDM mematuhi peraturan policies comply with applicable laws and regulations
perundang-undangan dan yang berlaku serta and uphold the principles of Human Rights (HR).
menjunjung tinggi prinsip Hak Asasi Manusia Based on the prevailing regulatory framework, human
(HAM). Dengan berlandaskan regulasi yang berlaku, resource management is carried out in a responsible,
pengelolaan SDM dilakukan secara bertanggung transparent, and sustainable manner. This serves as an
jawab, transparan, dan berkelanjutan. Hal ini menjadi important factor in supporting business sustainability
faktor penting dalam mendukung keberlanjutan bisnis as well as the achievement of KB Bank’s long-term
sekaligus pencapaian visi jangka panjang KB Bank. vision. The regulations referred to by KB Bank include,
Regulasi yang menjadi acuan KB Bank antara lain: among others:
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1. Undang-Undang No. 1 Tahun 1970 tentang 1. Law No. 1 of 1970 on Occupational Safety
Keselamatan Kerja
2. Undang-Undang No. 13 tahun 2003 tentang 2. Law No. 13 of 2003 on Manpower
Ketenagakerjaan
3. Undang-Undang No. 17 Tahun 2023 tentang 3. Law No. 17 of 2023 on Health
Kesehatan
4. Undang-Undang No. 40 Tahun 2007 tentang 4. Law No. 40 of 2007 on Limited Liability Companies
Perseroan Terbatas
5. Undang-Undang No. 6 Tahun 2023 tentang 5. Law No. 6 of 2023 on the Stipulation of Government
Penetapan Peraturan Pemerintah Pengganti Regulation in Lieu of Law No. 2 of 2022 on Job
Undang-Undang No. 2 Tahun 2022 tentang Cipta Creation into Law
Kerja menjadi Undang-Undang
6. Peraturan Pemerintah (PP) No. 51 Tahun 2023 6. Government Regulation (PP) No. 51 of 2023
tentang Perubahan atas Peraturan Pemerintah No concerning Amendments to Government
36 Tahun 2021 tentang Pengupahan Regulation No. 36 of 2021 on Wages
7. Peraturan Presiden Republik Indonesia No. 7 Tahun 7. Presidential Regulation of the Republic of Indonesia
2019 tentang Penyakit Akibat Kerja No. 7 of 2019 on Occupational Diseases
Kesetaraan dan Kesempatan Kerja Equality And Employment Opportunity
[OJK F.18] [OJK F.18]
KB Bank berkomitmen untuk membangun lingkungan KB Bank is committed to building an inclusive work
kerja yang inklusif dengan menjunjung tinggi prinsip environment by upholding the principles of equality
kesetaraan serta memberikan kesempatan yang and providing equal opportunities for all employees.
sama bagi seluruh karyawan. Pada praktiknya, prinsip In practice, the principles of equality and non-
kesetaraan dan non-diskriminasi diterapkan dalam discrimination are applied at every stage of the
setiap tahap proses kerja yang dimulai sejak rekrutmen work process, starting from recruitment to career
hingga pengembangan karier. KB Bank memberikan development. KB Bank provides equal rights and
hak dan kesempatan kerja yang sama bagi seluruh employment opportunities to all employees, without
karyawan, tanpa membedakan agama, etnis, ras, status discrimination based on religion, ethnicity, race, social
sosial, warna kulit, gender, maupun kondisi fisik lainnya. status, skin color, gender, or physical condition.
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Komitmen ini telah diatur dalam Kode Etik KB Bank, This commitment is stipulated in KB Bank’s Code
“Bagian VI: Hubungan dengan Perusahaan dan Sesama of Ethics, “Part VI: Relationship with the Company
Karyawan”. Selain itu, komitmen KB Bank terhadap and Fellow Employees”. Furthermore, KB Bank’s
kesetaraan kesempatan kerja juga sejalan dengan commitment to equal employment opportunity is
berbagai regulasi dan konvensi internasional, antara lain: aligned with various regulations and international
conventions, among others:
• Undang-Undang Nomor 7 Tahun 1984 tentang • Law No. 7 of 1984 on the Ratification of the
Pengesahan Konvensi Mengenai Penghapusan Convention on the Elimination of All Forms of
Segala Bentuk Diskriminasi terhadap Wanita Discrimination Against Women;
(Convention On The Elimination Of All Forms Of
Discrimination Against Women);
• Undang-Undang Nomor 21 Tahun 1999 tentang • Law No. 21 of 1999 on the Ratification of ILO
Pengesahan ILO Convention No. 111 Concerning Convention No. 111 Concerning Discrimination in
Discrimination in Respect of Employment and Respect of Employment and Occupation;
Occupation (Konvensi ILO Mengenai Diskriminasi
dalam Pekerjaan dan Jabatan);
• Panduan Kesetaraan dan Non Diskriminasi di • Guidelines on Equality and Non-Discrimination in
Tempat Kerja di Indonesia (Kementerian Tenaga the Workplace in Indonesia (Ministry of Manpower
Kerja dan Transmigrasi RI). and Transmigration of the Republic of Indonesia).
Dengan komitmen yang konsisten terhadap prinsip Through its consistent commitment to the principles
kesetaraan dan non-diskriminasi, KB Bank berhasil of equality and non-discrimination, KB Bank has
membangun lingkungan kerja yang inklusif. Sebanyak successfully fostered an inclusive work environment.
44,47% karyawan KB Bank merupakan karyawan wanita A total of 44.47% of KB Bank’s employees are women,
dan 55,53% karyawan pria. Total kepala kantor cabang while 55.53% are men. The number of female branch
wanita juga mengalami peningkatan dari 11 orang managers also increased from 11 to 16. This is further
menjadi 16 orang. Hal ini juga dibuktikan dengan tidak supported by the absence of discrimination cases
adanya kasus diskriminasi sepanjang periode pelaporan. throughout the reporting period.
Komitmen Anti-Tenaga Kerja Paksa Commitment Against Forced Labor
dan Tenaga Kerja Anak [OJK F.19] and Child Labor [OJK F.19]
KB Bank menolak segala bentuk praktik tenaga kerja KB Bank rejects all forms of child labor and forced labor
anak dan kerja paksa di seluruh wilayah operasional. practices across its operational areas. KB Bank ensures
KB Bank memastikan proses rekrutmen dilakukan that the recruitment process is conducted responsibly
secara bertanggung jawab dengan hanya menerima by only accepting prospective employees over the age
calon karyawan berusia di atas 18 tahun, sesuai of 18, in accordance with Law No. 23 of 2002 on Child
dengan Undang-Undang No. 23 Tahun 2002 tentang Protection. This commitment is also in line with Law No.
Perlindungan Anak. Komitmen ini juga selaras dengan 20 of 1999 on the ratification of ILO Convention No.
UU No. 20 Tahun 1999 tentang pengesahan ILO 138 on the minimum age for employment and Law No.
Convention No. 138 mengenai usia minimum untuk 1 of 2000 on the ratification of ILO Convention No. 182
bekerja dan UU No. 1 Tahun 2000 tentang pengesahan on the elimination of the worst forms of child labor.
ILO Convention No. 182 mengenai penghapusan
bentuk-bentuk pekerjaan terburuk bagi anak.
Dalam mencegah praktik kerja paksa, KB Bank To prevent forced labor, KB Bank adheres to working-
menerapkan ketentuan jam kerja sesuai regulasi hour provisions in accordance with national regulations,
nasional, yaitu 8 jam per hari atau 40 jam per minggu namely 8 hours per day or 40 hours per week under a
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dalam sistem lima hari kerja sebagaimana diatur five-day workweek, as stipulated in Article 77 of Law
dalam Pasal 77 UU No. 13 Tahun 2003 tentang No. 13 of 2003 on Manpower. This policy is also aligned
Ketenagakerjaan. Kebijakan ini juga selaras dengan UU with Law No. 19 of 1999 on the Ratification of ILO
No. 19 Tahun 1999 tentang pengesahan ILO Convention Convention No. 105 on the Abolition of Forced Labour.
No. 105 mengenai penghapusan kerja paksa. Apabila If employees work beyond official working hours, KB
karyawan bekerja melebihi jam kerja resmi, KB Bank Bank provides compensation in the form of overtime
memberikan kompensasi berupa upah lembur sesuai pay according to applicable regulations.
ketentuan yang berlaku.
Rekrutmen dan Perputaran Karyawan Recruitment and Employee Turnover
KB Bank secara konsisten melaksanakan strategi KB Bank consistently implements a targeted
rekrutmen yang terarah, mulai dari fresh graduate recruitment strategy, from fresh graduates to
hingga profesional berpengalaman. Strategi ini experienced professionals. This strategy is part of the
merupakan bagian dari upaya berkelanjutan Bank Bank’s continuous efforts to ensure the availability of
dalam memastikan ketersediaan talenta yang kompeten competent talent aligned with Bank strategic direction
dan selaras dengan arah strategis serta kebutuhan and business needs.
bisnis Bank.
Hingga 31 Desember 2025, KB Bank merekrut As of December 31, 2025, KB Bank recruited 499 new
499 karyawan baru, menurun dibandingkan dengan employees, decreased compared to 759 employees
759 karyawan pada tahun 2024. Penyesuaian jumlah in 2024. The adjustment in recruitment numbers
rekrutmen dilakukan sejalan dengan kebutuhan was made in line with organizational needs and the
organisasi dan strategi optimalisasi struktur workforce structure optimization strategy.
tenaga kerja.
Dalam mendukung proses transformasi, In supporting the transformation process,
seluruh karyawan baru diwajibkan mengikuti program all new employees are required to participate in a
induksi (induction program) yang dirancang secara comprehensive induction program that provides
komprehensif untuk memberikan pemahaman an understanding of the company’s strategy, work
mengenai strategi perusahaan, nilai dan budaya kerja, values and culture, organizational structure, and their
struktur organisasi, serta peran dan tanggung respective roles and responsibilities. This program aims
jawab masing-masing. Program ini bertujuan to ensure employee readiness to contribute effectively
untuk memastikan kesiapan karyawan agar dapat from the start of their employment.
berkontribusi secara efektif sejak awal masa kerja
Komposisi Karyawan Baru Berdasarkan Status Kepegawaian dan Jenis Kelamin [GRI 401-1]
Composition of New Employees by Employment Status and Gender
2025 2024 2023
Status Kepegawaian
Employment Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Karyawan Tetap
146 71 217 77 48 125 64 40 104
Permanent Employee
Karyawan Tidak Tetap
148 134 282 293 341 634 97 80 177
Non-permanent Employee
Jumlah
294 205 499 370 389 759 161 120 281
Total
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Komposisi Karyawan Baru Berdasarkan Kelompok Usia [GRI 401-1]
Composition of New Employees by Age Group
2025 2024 2023
Kelompok Usia
Age Group Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
20-24 Tahun
35 34 69 75 128 203 42 45 87
20-24 Years old
25-29 Tahun
65 76 141 100 116 216 37 38 75
25-29 Years old
30-34 Tahun
56 43 99 80 65 145 32 20 52
30-34 Years old
35-39 Tahun
69 23 92 60 48 108 28 12 40
35-39 Years old
40-44 Tahun
39 20 59 31 19 50 14 4 18
40-44 Years old
45-49 Tahun
13 6 19 12 7 19 2 1 3
45-49 Years old
50-54 Tahun
10 0 10 6 4 10 3 0 3
50-54 Years old
>55 Tahun
7 3 10 6 2 8 3 0 3
>55 Years old
Jumlah
294 205 499 370 389 759 161 120 281
Total
Komposisi Karyawan Baru Berdasarkan Wilayah Kerja [GRI 401-1]
Composition of New Employees Based on Work Area
2025 2024 2023
Penempatan
Placement Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat
106 62 168 124 111 235 97 58 155
Head Office
Kantor di Wilayah
188 143 331 246 278 524 64 62 126
Regional Office
Jumlah
294 205 499 370 389 759 161 120 281
Total
Selain melakukan rekrutmen, KB Bank juga melakukan In addition to recruitment, KB Bank also turned over
pergantian karyawan hingga 1.063 orang pada 2025, up to 1,063 employees in 2025, an increase from
mengalami kenaikan dari tahun 2024 yang mencapai 479 in 2024. This increase in turnover was primarily
479 orang. Kenaikan perputaran ini terutama attributable to optimization related to the organizational
disebabkan oleh optimalisasi terkait struktur organisasi structure and workforce size.
dan jumlah SDM.
Sebagai bagian dari komitmen keberlanjutan, KB As part of its sustainability commitment, KB Bank strives
Bank berupaya mengelola tingkat turnover secara to manage employee turnover at an optimal level. The
optimal. Langkah yang ditempuh antara lain melakukan measures undertaken include reviewing and updating
peninjauan dan pembaruan kebijakan remunerasi serta remuneration policies and benefit packages to remain
paket benefit agar tetap kompetitif dan mendukung competitive and support employee welfare. In addition
kesejahteraan karyawan. Selain aspek finansial, KB to financial aspects, KB Bank continuously improves
Bank juga terus memperbaiki kualitas lingkungan kerja the quality of the work environment by fostering a
dengan menciptakan suasana yang kondusif, inklusif, conducive, inclusive, and positive atmosphere for all
dan menyenangkan bagi seluruh karyawan. employees.
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Komposisi Karyawan yang Mengakhiri Masa Kerja Berdasarkan
Status Kepegawaian dan Jenis Kelamin [GRI 401-1]
Composition of Employees Who Ended Their Employment Period Based on Employment Status and Gender
2025 2024 2023
Status Kepegawaian
Employment Status Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Karyawan Tetap
475 332 807 185 155 340 225 181 406
Permanent Employee
Karyawan Tidak Tetap
132 124 256 76 63 139 76 72 148
Non-permanent Employee
Jumlah
607 456 1.063 261 218 479 301 253 554
Total
Komposisi Karyawan yang Mengakhiri Masa Kerja Berdasarkan Kelompok Usia [GRI 401-1]
Composition of Employees Who Ended Their Employment Period Based on Age Group
2025 2024 2023
Kelompok Usia
Age Group Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
20-24 Tahun
30 37 67 13 12 25 9 23 32
20-24 Years old
25-29 Tahun
125 138 263 37 73 110 61 92 153
25-29 Years old
30-34 Tahun
122 89 211 60 48 108 80 64 144
30-34 Years old
35-39 Tahun
137 92 229 66 40 106 63 38 101
35-39 Years old
40-44 Tahun
88 49 137 41 16 57 49 14 63
40-44 Years old
45-49 Tahun
42 31 73 19 17 36 20 8 28
45-49 Years old
50-54 Tahun
43 16 59 11 7 18 9 2 11
50-54 Years old
>55 Tahun
20 4 24 14 5 19 10 12 22
>55 Years old
Jumlah
607 456 1.063 261 218 479 301 253 554
Total
Komposisi Karyawan yang Mengakhiri Masa Kerja Berdasarkan Wilayah Kerja [GRI 401-1]
Composition of Employees Who Ended Their Employment Period Based on Work Area
2025 2024 2023
Penempatan
Placement Pria Wanita Jumlah Pria Wanita Jumlah Pria Wanita Jumlah
Male Female Total Male Female Total Male Female Total
Kantor Pusat
231 133 364 97 56 153 97 47 144
Head Office
Kantor di Wilayah
376 323 699 164 162 326 204 206 410
Regional Office
Jumlah
607 456 1.063 261 218 479 301 253 554
Total
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Penyebab Karyawan yang Mengakhiri Masa Kerja
Reasons Why Employees Leave the Company
Penempatan
2025 2024 2023
Placement
Mengundurkan Diri
379 382 411
Resignation
Pensiun
5 13 19
Retire
Meninggal Dunia
3 4 2
Passed Away
Alasan lainnya
676 80 122
Other Reason
Jumlah
1.063 479 554
Total
Perputaran Karyawan [GRI 401-1]
Employee Turnover
Penempatan
2025 2024 2023
Placement
Jumlah karyawan yang Mengakhiri Masa Kerja (mengundurkan diri)
379 382 411
Number of employees who ended their employment period (resignation)
Jumlah karyawan awal tahun
2.898 2.618 3.374
Number of employees at the beginning of the year
Jumlah karyawan akhir tahun
2.334 2.898 2.618
Number of employees at the end of the year
Tingkat perputaran karyawan
14,49% 13,85% 13,71%
Turnover Rate
Remunerasi dan Manfaat Remuneration and Benefits
KB Bank menempatkan kesejahteraan karyawan sebagai KB Bank places employee welfare as a top priority in
prioritas utama dalam mendukung pencapaian kinerja supporting the achievement of optimal performance.
terbaik. Dalam penerapannya, KB Bank menerapkan In its implementation, KB Bank applies a remuneration
kebijakan remunerasi yang adil, setara, dan transparan policy that is fair, equitable, and transparent for all
bagi seluruh karyawan, baik tetap maupun tidak tetap. employees, both permanent and non-permanent. The
Sistem remunerasi dirancang kompetitif dengan remuneration system is designed to be competitive
mempertimbangkan prestasi kerja, jabatan, kompetensi, by taking into account work performance, position,
dan masa kerja, serta menjunjung tinggi prinsip competence, and years of service, while upholding the
kesetaraan tanpa diskriminasi berdasarkan gender, principle of equality without discrimination based on
suku, ras, agama, maupun latar belakang lainnya. gender, ethnicity, race, religion, or other backgrounds.
KB Bank menjamin bahwa remunerasi karyawan tetap KB Bank ensures that the remuneration of permanent
level terendah minimal sama dengan Upah Minimum employees at the lowest level is at least equal to the
Provinsi (UMP) sesuai regulasi pemerintah. Kebijakan Provincial Minimum Wage (UMP) in accordance with
ini telah disesuaikan dengan Keputusan Menteri Tenaga government regulations. This policy has been aligned
Kerja dan Transmigrasi Nomor 226 Tahun 2000 tentang with Minister of Manpower and Transmigration Decree
Perubahan Pasal 1, Pasal 3, Pasal 4, Pasal 8, Pasal,11, No. 226 of 2000 on Amendments to Article 1, Article
Pasal 20, dan Pasal 21 Peraturan Menteri Tenaga Kerja 3, Article 4, Article 8, Article 11, Article 20, and Article
Nomor PER-01/MEN/1999 tentang Upah Minimum. 21 of Minister of Manpower Regulation No. PER-01/
MEN/1999 on Minimum Wages.
Sesuai dengan pedoman tersebut, perbandingan In accordance with these guidelines, a comparison
remunerasi karyawan tetap dengan UMP yang between the remuneration of permanent employees
ditetapkan pemerintah disajikan dalam tabel berikut: and the government-established UMP is presented in
[GRI 3-3][GRI 202-1] [OJK F.20] the following table: [GRI 3-3][GRI 202-1] [OJK F.20]
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Provinsi/Daerah Upah Minimum Provinsi Persentase
No.
Province/Regions Provincial Minimum Wage Percentage
1. Balikpapan 3.360.858 116%
2. Bandar Lampung 2.716.497 127%
3. Bandung 2.057.495 228%
4. Banjarmasin 3.282.812 115%
5. Banyuwangi 2.165.244 -
6. Batam 3.402.492 153%
7. Bekasi 2.057.495 285%
8. Bogor 2.057.495 168%
9. Cikarang 2.057.495 280%
10. Cilegon 2.727.812 195%
11. Cirebon 2.057.495 -
12. Denpasar 2.813.672 128%
13. Depok 2.057.495 263%
14. Serpong 2.727.812 -
15. Jakarta 5.067.381 110%
16. Jambi 3.037.122 132%
17. Jember 2.165.244 159%
18. Karawang 2.057.495 225%
19. Kediri 2.165.244 159%
20. Kudus 2.036.947 -
21. Kupang 2.186.826 158%
22. Madiun 2.165.244 263%
23. Magelang 2.036.947 169%
24. Makassar 3.434.298 103%
25. Malang 2.165.244 169%
26. Manado 3.545.000 114%
27. Mataram 2.444.067 141%
28. Padang 2.811.449 123%
29. Palembang 3.456.874 119%
30. Palu 2.736.698 146%
31. Parepare 3.434.298 116%
32. Pekanbaru 3.294.625 118%
33. Pontianak 2.702.616 128%
34. Probolinggo 2.165.244 -
35. Purwokerto 2.036.947 151%
36. Samarinda 3.360.858 119%
37. Semarang 2.036.947 184%
38. Sidoarjo 2.165.244 -
39. Solo 2.036.947 169%
40. Sorong 3.393.500 115%
41. Sukabumi 2.057.495 278%
42. Surabaya 2.165.244 238%
43. Tanjung Pinang 3.402.492 114%
44. Tasikmalaya 2.057.495 149%
45. Tegal 2.036.947 -
46. Yogyakarta 2.125.898 162%
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KB Bank memastikan rasio gaji pokok ditetapkan sesuai KB Bank ensures that the basic salary ratio is determined
ketentuan penggajian yang berlaku, sehingga laki-laki in accordance with applicable payroll provisions, so
dan perempuan menerima jumlah yang sama untuk that men and women receive equal pay for work of
pekerjaan dengan nilai yang setara. Besaran paket equal value. The amount of the remuneration package
remunerasi ditentukan berdasarkan jabatan, masa kerja, is determined based on position, years of service, and
dan kinerja, bukan berdasarkan jenis kelamin. [GRI 405-2] performance, not on gender. [GRI 405-2]
Selain remunerasi yang adil dan setara, KB Bank juga In addition to fair and equal remuneration, KB Bank also
menyediakan berbagai tunjangan bagi karyawan provides various benefits to employees in accordance
sesuai dengan status kepegawaian mereka. Pemberian with their employment status. The provision of
tunjangan ini menjadi bagian dari upaya KB Bank these benefits forms part of KB Bank efforts to
dalam mendukung kesejahteraan karyawan secara comprehensively support employee welfare. [GRI 401-2]
menyeluruh. [GRI 401-2]
Tunjangan Karyawan Berdasarkan Status Karyawan
Employee Benefits by Employee Status
Komponen Karyawan Tetap Pegawai Tidak Tetap
Component Permanent Employee Non-permanent Employee
Tunjangan Bantuan Pendidikan
✓ x
Education Assistance
Tunjangan Cuti
✓ x
Leave Benefits
Tunjangan Kacamata
✓ ✓
Glasses Allowance
Tunjangan Hari Raya
✓ ✓
Holiday Allowance
Cuti Melahirkan Maternity Leave
KB Bank menjamin pemenuhan hak normatif karyawan, KB Bank guarantees the fulfillment of employees’
termasuk hak cuti melahirkan bagi karyawan normative rights, including maternity leave for female
perempuan sebagaimana diatur dalam Perjanjian Kerja employees as stipulated in the Collective Labor
Bersama (PKB). KB Bank memberikan cuti melahirkan Agreement (PKB). KB Bank provides 3 months of full
selama 3 bulan penuh untuk karyawan perempuan dan maternity leave for female employees and grants 3
memberikan hak cuti selama 3 hari kerja bagi karyawan working days of leave for male employees to accompany
laki-laki untuk mendampingi istri yang melahirkan their wives during childbirth (paternity leave).
(paternity leave).
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Penggunaan Hak Cuti Melahirkan dan Tingkat Kembali Bekerja [GRI 401-3]
Use of Maternity Leave Rights and Rates of Return to Work
Jumlah Karyawan yang Menggunakan Hak Cuti Melahirkan
Number of Employees Who Use Their Maternity Leave Rights
2025 2024
66 64 34 35
Pria Male Wanita Female Pria Male Wanita Female
Tingkat Kembali Kerja
Return to Work Rate
2025 2024
93,94% 100% 100% 100%
Pria Male Wanita Female Pria Male Wanita Female
Pelatihan dan Pengembangan Training and Competency
Kompetensi Development
Dalam menjaga daya saing sekaligus mewujudkan In maintaining competitiveness while ensuring
keberlanjutan kinerja bisnis, KB Bank berkomitmen sustainable business performance, KB Bank is
untuk terus meningkatkan kompetensi, kapasitas committed to continuously enhancing employees’
dan kapabilitas karyawan melalui program pelatihan competencies, capacity, and capabilities through
serta pengembangan yang dirancang secara structured, systematic, and continuous training and
terstruktur, sistematis, dan berkesinambungan. Upaya development programs. Development efforts are
pengembangan dilakukan melalui berbagai program carried out through various training and continuing
pelatihan dan pendidikan berkelanjutan yang bertujuan education programs aimed at strengthening skills and
memperkuat keterampilan serta memperluas wawasan broadening insights across different fields of work and
di berbagai bidang pekerjaan dan level jabatan. [GRI 3-3] job levels. [GRI 3-3]
Sebagai bagian dari strategi pengembangan, As part of its development strategy, KB Bank organizes
KB Bank menyelenggarakan program pelatihan mandatory training programs tailored to job levels and
wajib (mandatory training) yang disesuaikan work requirements. Some of the programs include
dengan level jabatan dan kebutuhan pekerjaan. Rupiah Payment Management System (SPPUR)
Beberapa program di antaranya adalah sertifikasi certification, risk management certification, treasury
Sistem Pengelolaan Pembayaran Rupiah (SPPUR), certification, auditor certification, Mutual Fund
sertifikasi manajemen risiko, sertifikasi treasury, Sales Agent Representative (WAPERD) certification,
sertifikasi auditor, sertifikasi Wakil Agen Penjual Reksa Securities Broker-Dealer Representative (WPPE)
Dana (WAPERD), sertifikasi Wakil Perantara Pedagang certification, and Anti-Money Laundering and Counter-
Efek (WPPE), hingga pelatihan Anti-pencucian Uang Terrorism Financing Training. [GRI 404-2]
dan Pencegahan Pendanaan Terorisme. [GRI 404-2]
Sepanjang tahun 2025, KB Bank telah mengalokasikan Throughout 2025, the Company allocated
dana pengembangan kompetensi sebesar IDR 28.68 billion for competency development,
Rp28,68 miliar, sedikit menurun dibandingkan tahun slightly decreased compared to 2025, which
2025 yang mencapai Rp30,22 miliar atau setara dengan reached IDR 30.22 billion or equivalent to 111% of the
111% dari anggaran pengembangan kompetensi. competency development budget.
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Rekapitulasi kegiatan pengembangan kompetensi, The recapitulation of competency development
termasuk rata-rata jam pelatihan karyawan activities, including the average training hours per
sepanjang tahun 2025, disajikan dalam tabel berikut: employee throughout 2025, is presented in the
[OJK F.22][GRI 404-1] following table: [OJK F.22][GRI 404-1]
Jam Pelatihan dan Pendidikan
Training and Education Hours
Jumlah Pekerja yang Memperoleh
Rata-rata Jam Pelatihan Setiap
Pelatihan Jam Pelatihan
Pekerja
Uraian Number of Workers who Received Training Hours
Average Training Hours per Worker
Description Training
2025 2024 2023 2025 2024 2023 2025 2024 2023
Keseluruhan
3.337 4.183 4.337 185.512 556.896 620.296 55 133 237
Overall
Berdasarkan Gender
Based on Genders
Laki-laki
1.866 2.580 2.870 103.736 294.880 410.479 31 114 157
Male
Perempuan
1.471 1.603 1.467 81.776 262.016 209.817 24 163 80
Female
Berdasarkan kategori jabatan karyawan
Based on Position Level of the Employee
Division Head EVP SVP 26 23 24 1.068 2.488 3.433 41 108 1
Regional Head SVP REG 10 10 3 824 800 429 55 80 0,2
BISNIS
Dept Head VP 92 85 67 5.280 8.860 9.583 57 104 4
Branch Manager 37 50 53 4.144 5.234 7.580 112 104 3
Manager 577 527 442 36.968 75.046 63.217 66 142 24
Coordinator 304 312 273 20.752 52.034 39.046 68 166 15
Officer 703 1.289 946 18.204 170.670 135.301 26 132 52
Clerical 1.515 1.577 1.475 97.216 222.532 210.961 64 141 81
Non Staff 88 310 1.032 1.056 19.232 147.601 12 62 56
Sebagai bentuk penghargaan atas kontribusi karyawan As a form of appreciation for employees’ contributions
selama masa kerja, KB Bank menyelenggarakan program throughout their tenure, KB Bank implements a
purnabakti bagi karyawan yang memasuki masa pensiun. retirement program for employees entering retirement
Program ini dirancang untuk memberikan dukungan age. This program is designed to support their transition
transisi sekaligus memastikan kesejahteraan karyawan while ensuring their well-being after they are no longer
setelah tidak lagi aktif bekerja. Adapun fasilitas yang actively employed. The benefits provided under the
diberikan dalam program purnabakti meliputi: retirement program include:
1. Pengelolaan Masa Persiapan Pensiun (MPP) 1. Management of the Retirement Preparation Period
(MPP)
2. Penghargaan berupa koin emas sebagai simbol 2. An award in the form of a gold coin as a symbol of
apresiasi atas dedikasi dan kontribusi selama appreciation for their dedication and contributions
bekerja. during their employment.
3. Fasilitas asuransi kesehatan serta layanan 3. Health insurance facilities and other healthcare
kesehatan lainnya untuk mendukung kesejahteraan services to support well-being during retirement.
di masa purnabakti.
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Sistem Manajemen Kinerja Performance Management System
KB Bank menerapkan sistem manajemen kinerja KB Bank implements a fair and transparent
yang adil dan transparan bagi seluruh pegawai. performance management system for all employees. In
Dalam pelaksanaannya, KB Bank menetapkan Key its implementation, KB Bank establishes Individual Key
Performance Indicator (KPI) Individu sebagai dasar Performance Indicators (KPI) as the basis for evaluating
penilaian kinerja setiap pegawai. [GRI 3-3] each employee’s performance. [GRI 3-3]
Sistem manajemen kinerja di KB Bank mencakup tiga The performance management system at KB Bank
tahapan utama, yakni Perencanaan, Pelaksanaan, dan consists of three main stages: Planning, Implementation,
Evaluasi. Dalam setiap tahapan, terdapat interaksi and Evaluation. At each stage, there is interaction
antara atasan dan bawahan yang mencakup penetapan between supervisors and subordinates, including
target, pemantauan pencapaian, pemberian umpan target setting, monitoring of achievements, provision of
balik, serta evaluasi kinerja. Hasil evaluasi menjadi feedback, and performance evaluation. The evaluation
dasar penting dalam pengelolaan karier dan talenta, results serve as an important basis for career and
manajemen kompensasi, serta kebijakan pengelolaan talent management, compensation management, and
sumber daya manusia. Adapun selama tahun 2025, human resource management policies. In 2025, there
terdapat 645 karyawan (28%) yang telah menerima were 645 employees (28%) who received individual KPI
penilaian KPI individu. [OJK F.22][GRI 404-3] assessments. [OJK F.22][GRI 404-3]
Lingkungan Kerja yang Aman, Layak, Safe, Proper, and Conducive Working
dan Kondusif [OJK F.21] Environment [OJK F.21]
KB Bank berkomitmen bahwa aspek Keselamatan KB Bank is committed to prioritizing Occupational Health
dan Kesehatan Kerja (K3) sebagai salah satu prioritas and Safety (OHS) as one of the main pillars in creating
utama dalam menciptakan lingkungan kerja yang aman, a safe, healthy, and comfortable working environment
sehat, dan nyaman akan mendukung produktivitas that supports employee productivity. Therefore, KB
karyawan. Oleh karena itu, KB Bank berkomitmen Bank is committed to consistently implementing OHS
untuk menerapkan prinsip-prinsip K3 secara konsisten principles by complying with all applicable regulations
dengan mematuhi seluruh regulasi yang berlaku, related to workplace safety, health, and the prevention
baik terkait keselamatan kerja, kesehatan, maupun of occupational diseases. [GRI 3-3]
pencegahan penyakit akibat kerja. [GRI 3-3]
KB Bank mengacu pada Peraturan Menteri Kesehatan KB Bank refers to Regulation of the Minister of
Republik Indonesia Nomor 48 Tahun 2016 tentang Health of the Republic of Indonesia No. 48 of 2016
Standar Manajemen Keselamatan dan Kesehatan on the Occupational Health and Safety Management
Kerja Perkantoran (SMK3 Perkantoran). Regulasi ini Standards for Office Environments (SMK3 Perkantoran).
mendefinisikan SMK3 sebagai bagian dari sistem This regulation defines SMK3 as part of the office
manajemen gedung perkantoran untuk mengendalikan building management system to control workplace
risiko kerja, sehingga tercipta lingkungan kerja yang risks, thereby creating a safe, efficient, and productive
aman, efisien, dan produktif. Sejalan dengan ketentuan working environment. In line with these provisions,
tersebut, KB Bank telah melakukan pemetaan bahaya, KB Bank has conducted hazard identification, risk
penilaian risiko, serta mitigasi risiko K3 di seluruh assessment, and OHS risk mitigation across all work
lingkungan kerja. [GRI 403-1][GRI 403-2][GRI 403-8] environments. [GRI 403-1][GRI 403-2][GRI 403-8]
Manajemen bersama seluruh karyawan juga Management together with all employees is committed
berkomitmen untuk membangun budaya K3 yang kuat to building a strong OHS culture through the consistent
melalui penerapan regulasi secara konsisten. Langkah implementation of regulations. This effort is aimed
ini ditujukan untuk menciptakan lingkungan kerja yang at creating a safe and healthy working environment,
aman dan sehat, menekan angka kecelakaan kerja reducing workplace accidents toward zero accidents,
menuju zero accident, serta mencegah timbulnya and preventing the occurrence of occupational
penyakit akibat kerja. [GRI 403-9][GRI 403-10] diseases. [GRI 403-9][GRI 403-10]
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Penanggung Jawab K3 OHS Person in Charge
Pengelolaan aspek K3 di lingkungan KB Bank The management of OHS aspects within KB Bank
berada di bawah tanggung jawab Procurement & is under the responsibility of the Procurement &
Asset Management Department. Untuk memastikan Asset Management Department. To ensure that
penerapan K3 berjalan efektif dan sesuai standar, OHS implementation is carried out effectively and
departemen tersebut menunjuk PT OCS Global in accordance with established standards, the
Services sebagai mitra kerja (vendor) dalam mengelola department has appointed PT OCS Global Services as
K3 di seluruh area operasional Bank. [GRI 403-4] a working partner (vendor) to manage OHS across all
of the Bank’s operational areas. [GRI 403-4]
Identifikasi K3 [GRI 403-2] OHS Identification [GRI 403-2]
Melalui proses identifikasi K3 yang komprehensif, KB Through a comprehensive OHS identification process,
Bank berupaya membangun budaya kerja yang aman, KB Bank strives to build a safe, healthy, and productive
sehat, dan produktif. Hal ini sejalan dengan komitmen working culture. This is in line with KB Bank commitment
KB Bank untuk menekan angka kecelakaan kerja menuju to reduce workplace accidents toward zero accidents
zero accident serta mencegah timbulnya penyakit and to prevent occupational diseases. The following
akibat kerja. Berikut ini merupakan hasil identifikasi outlines the results of OHS risk identification within the
risiko K3 di lingkungan kerja, antara lain: working environment, among others:
1. Risiko Terpeleset, Tersandung, dan Jatuh 1. Slip, Trip, and Fall Risk
Risiko ini ditemukan pada area dengan tingkat This risk was identified in areas with high mobility
mobilitas tinggi serta area yang mengalami proses and in areas undergoing cleaning processes.
pembersihan. Potensi bahaya termasuk lantai licin Potential hazards include slippery floors due to
akibat tumpahan cairan atau kondisi housekeeping liquid spills or suboptimal housekeeping conditions.
yang belum optimal. Pengendalian dilakukan Control measures are implemented through the
melalui pemasangan rambu peringatan, inspeksi installation of warning signs, workplace inspections,
area kerja, serta perbaikan tata kelola peralatan and improvements in equipment management and
dan jalur sirkulasi. circulation pathways.
2. Risiko Paparan Bahan Kimia Pembersih 2. Risk of Exposure to Cleaning Chemicals
Kegiatan operasional yang melibatkan penggunaan Operational activities involving the use of cleaning
chemical pembersih memiliki potensi menimbulkan chemicals have the potential to cause skin irritation
iritasi kulit dan gangguan pernapasan. Untuk and respiratory disorders. To mitigate these risks,
mengurangi risiko tersebut, perusahaan the Company implements the use of Personal
menerapkan penggunaan APD sesuai standar, Protective Equipment (PPE) in accordance with
menyediakan pelabelan chemical yang jelas, serta standards, provides clear chemical labeling, and
memberikan pelatihan terkait Material Safety Data delivers training on the Material Safety Data Sheet
Sheet (MSDS) kepada seluruh pekerja terkait. (MSDS) to all relevant employees.
3. Risiko Kelistrikan dari Peralatan dan Infrastruktur 3. Electrical Risk from Equipment and Building
Gedung Infrastructure
Bahaya kelistrikan berasal dari penggunaan Electrical hazards may arise from the use
peralatan kerja bertenaga listrik maupun instalasi of electrically powered work equipment or
yang tidak memenuhi standar kelayakan. installations that do not meet safety standards.
Pengendalian dilakukan melalui inspeksi berkala, Control measures are implemented through
pemeliharaan preventif peralatan, serta penerapan periodic inspections, preventive maintenance of
Permit to Work (PTW) untuk pekerjaan teknis equipment, and the application of a Permit to Work
berisiko tinggi. (PTW) system for high-risk technical activities.
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Implementasi Aspek Keselamatan dan Implementation of Occupational Health and
Kesehatan Kerja Safety Aspects
KB Bank memastikan seluruh karyawan memperoleh KB Bank ensures that all employees receive adequate
perlindungan kesehatan yang memadai. Setiap health protection. Each employee is registered as
karyawan terdaftar sebagai peserta BPJS Kesehatan, a participant of BPJS Kesehatan and also receives
serta mendapatkan manfaat tambahan melalui kerja additional benefits through collaboration with a
sama dengan perusahaan asuransi kesehatan komersial. commercial health insurance provider. These benefits
Manfaat tersebut mencakup layanan rawat inap, rawat include inpatient and outpatient services, dental
jalan, perawatan gigi, serta biaya persalinan. Sebagai care, and maternity expenses. As an additional form
bentuk perlindungan tambahan, KB Bank memastikan of protection, KB Bank ensures that all employees
seluruh karyawan terdaftar dalam program Jaminan are registered in the Work Accident Insurance
Kecelakaan Kerja (JKK) dari BPJS Ketenagakerjaan, (JKK) program under BPJS Ketenagakerjaan, with
dengan iuran sepenuhnya ditanggung oleh KB Bank contributions fully borne by KB Bank in accordance
sesuai ketentuan yang berlaku. [GRI 403-3] with prevailing regulations. [GRI 403-3]
Mendukung layanan kesehatan yang optimal, To support optimal healthcare services, KB Bank offers
KB Bank memberikan fasilitas tambahan berupa additional benefits in the form of eyeglasses and
bantuan biaya kacamata dan persalinan, serta maternity allowances, as well as access to healthcare
akses layanan kesehatan di berbagai rumah sakit, services at various hospitals, including in cities where
termasuk di kota-kota tempat Kantor Cabang KB Bank Branch Offices operate. [GRI 403-6]
KB Bank beroperasi. [GRI 403-6]
Dalam menghadapi kondisi darurat, KB Bank juga In addressing emergency situations, KB Bank also
menyediakan mobil ambulans dan mobil jenazah di provides ambulance and hearse vehicles at the Head
Kantor Pusat dan beberapa kantor cabang. Fasilitas ini Office and several branch offices. These facilities may
dapat digunakan oleh karyawan maupun keluarganya be used by employees and their families for medical
untuk kebutuhan darurat medis maupun pengantaran emergencies or funeral arrangements. [GRI 403-3]
jenazah. [GRI 403-3]
Sedangkan pada aspek keselamatan, Sebagai bagian Meanwhile, in terms of safety, as part of its commitment
dari komitmen menciptakan lingkungan kerja yang to creating a safe working environment, KB Bank
aman, KB Bank melengkapi gedung perkantoran dengan equips its office buildings with emergency facilities and
sarana dan prasarana darurat, antara lain: [GRI 403-7] infrastructure, including: [GRI 403-7]
• Alat Pemadam Api Ringan (APAR) di setiap lantai • Fire Extinguishers (APAR) on every floor of the
gedung. building.
• Pelatihan dan simulasi kebakaran secara rutin bagi • Regular fire drills and training for employees.
karyawan.
• Perawatan berkala sistem keselamatan, termasuk • Periodic maintenance of safety systems, including
alarm kebakaran, hidran, sprinkler otomatis, serta fire alarms, hydrants, automatic sprinklers, and
sistem pengendalian asap. smoke control systems.
Partisipasi dan Konsultasi K3 OHS Participation and Consultation
KB Bank memastikan bahwa setiap karyawan memiliki KB Bank ensures that every employee has the
kesempatan untuk terlibat dalam proses identifikasi opportunity to be involved in hazard identification,
bahaya, penilaian risiko, serta penyusunan langkah risk assessment, and the development of mitigation
mitigasi. Partisipasi ini diwujudkan melalui forum measures. This participation is realized through
komunikasi, sosialisasi, dan pelatihan K3 yang communication forums, dissemination sessions, and
dilaksanakan secara berkala. [GRI 403-8] OHS training conducted on a regular basis. [GRI 403-8]
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Program K3 OHS Programs
Selama tahun 2025, KB Bank telah merealisasikan Throughout 2025, KB Bank has implemented several
sejumlah program K3 yang bertujuan memperkuat OHS programs to strengthen the Company’s culture
budaya keselamatan dan kesehatan kerja di lingkungan of occupational health and safety. The OHS programs
perusahaan. Adapun program K3 yang telah dijalankan implemented include: [GRI 403-5][GRI 403-7]
meliputi: [GRI 403-5][GRI 403-7]
1. Pelatihan dan Sosialisasi Health, Safety & 1. Health, Safety & Environment (HSE) Training and
Environment (HSE) Dissemination
Program pelatihan yang dilaksanakan secara rutin The training programs conducted regularly include:
meliputi:
• HSE induction training bagi karyawan baru • HSE induction training for new employees
• Briefing K3 harian/HSE moments untuk • Daily OHS briefings/HSE moments to enhance
meningkatkan kesadaran risiko kerja awareness of workplace risks
• Pelatihan penggunaan APD (Personal • Training on the use of Personal Protective
Protective Equipment), tanggap darurat, dan Equipment (PPE), emergency response, and
identifikasi bahaya hazard identification
• Sosialisasi HSE kepada tim operasional dan • HSE dissemination for operational teams and
fungsi pendukung lainnya other supporting functions
2. Inspeksi & Identifikasi Risiko Rutin 2. Routine Inspection & Risk Identification
Tim HSE OCS melakukan kegiatan pengawasan The OCS HSE Team conducts supervisory activities
untuk memastikan kondisi kerja aman, antara lain: to ensure safe working conditions, including:
• Inspeksi risiko di lokasi kerja (misalnya area • Risk inspections at work locations (e.g.,
service, maintenance, cleaning) service, maintenance, cleaning areas)
• Pemeriksaan perlengkapan keselamatan dan • Inspection of safety equipment and protective
alat proteksi devices
• Melakukan risk assessments sebelum • Conducting risk assessments prior to the
pekerjaan dilakukan commencement of work
3. Budaya Keselamatan & Kolaborasi Antar Tim 3. Safety Culture & Cross-Team Collaboration
OCS menekankan bahwa keselamatan bukan OCS emphasizes that safety is not solely the
hanya tugas tim HSE tetapi tanggung jawab responsibility of the HSE team, but a shared
bersama: responsibility:
• Safety talk di town halls dan pertemuan operasi • Safety talks at town halls and operational
meetings
• Kolaborasi tim HR & HSE untuk program • Collaboration between HR & HSE teams for
kesehatan dan kesejahteraan health and well-being programs
• Pertemuan lintas departemen untuk berbagi • Cross-department meetings to share
informasi risiko dan mitigasi information on risks and mitigation measures
• Penekanan pada perilaku aman dan risk • Emphasis on safe behavior and risk awareness
awareness di semua staf among all staff
Pelatihan K3 OHS Training
Sepanjang tahun 2025, KB Bank telah mengikuti Throughout 2025, KB Bank participated in OHS training
berbagai program pelatihan K3 yang ditujukan untuk programs to enhance employees’ knowledge, skills,
meningkatkan pengetahuan, keterampilan, serta and awareness of the importance of implementing
kesadaran karyawan terhadap pentingnya penerapan occupational health and safety principles. The OHS
prinsip keselamatan dan kesehatan kerja. Pelatihan K3 training programs attended include: [GRI 403-5]
yang diikuti meliputi: [GRI 403-5]
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Jumlah
Tanggal Pelatihan Peserta Penyelenggara Detail/Materi
No.
Training Date Number of Organizer Detail/Material
Participant
1. 3-16 Desember 2025 1 Kementerian Ketenagakerjaan Ahli K3 Umum
December 3-16, 2025 Ministry of Manpower General Occupational Health and Safety (OHS) Expert
2. 3-16 Desember 2025 1 Kementerian Ketenagakerjaan Teknisi Listrik
December 3-16, 2025 Ministry of Manpower Electrical Technician
3. 3-16 Desember 2025 1 Kementerian Ketenagakerjaan Operator Genset Kelas 1
December 3-16, 2025 Ministry of Manpower Class 1 Generator Operator
Work-life Balance Work-life Balance
KB Bank menyadari bahwa keseimbangan antara KB Bank recognizes that work-life balance is an
kehidupan kerja dan kehidupan pribadi (work-life important factor in maintaining employee motivation,
balance) merupakan faktor penting dalam menjaga mental health, and productivity. Therefore, KB Bank
motivasi, kesehatan mental, serta produktivitas is committed to creating a work environment that
karyawan. Oleh karena itu, KB Bank berkomitmen supports achieving this balance through policies and
untuk menciptakan lingkungan kerja yang mendukung programs focused on employee well-being. The efforts
tercapainya keseimbangan tersebut melalui berbagai undertaken by KB Bank to support work-life balance
kebijakan dan program yang berorientasi pada include:
kesejahteraan karyawan. Upaya yang dilakukan KB Bank
dalam mendukung work-life balance antara lain:
• Penyediaan wadah khusus (KB Club) untuk • Provision of a dedicated platform (KB Club) to
mengakomodasi berbagai minat olahraga accommodate employees’ various sports interests,
karyawan, meliputi sepak bola, futsal, bola basket, including football, futsal, basketball, running, and
lari, dan zumba. Inisiatif ini dirancang bukan Zumba. This initiative is designed not merely as
sekadar sebagai sarana rekreasi fisik, melainkan a means of physical recreation, but as a strategic
sebagai instrumen strategis untuk mempererat instrument to strengthen cross-departmental
sinergi lintas departemen, dan meningkatkan synergy and enhance the overall mental and
kesehatan mental dan fisik tenaga kerja secara physical well-being of the workforce.
menyeluruh. • KB Bank consistently organizes a series of
• KB Bank secara konsisten menyelenggarakan collective activities involving all levels of
serangkaian kegiatan kolektif yang melibatkan employees, including Halal Bihalal gatherings as
seluruh lapisan karyawan, mencakup momentum a platform for professional reconciliation, Iftar
silaturahmi Halal Bihalal sebagai sarana rekonsiliasi (breaking of the fast) activities during the month
profesional, aktivitas Berbuka Bersama di Bulan of Ramadan to strengthen togetherness and foster
Ramadhan untuk meningkatkan kebersamaan serta camaraderie among employees, Independence
menjalin kekerabatan antar karyawan, peringatan Day celebrations to cultivate a spirit of nationalism
Hari Kemerdekaan untuk menumbuhkan semangat and sportsmanship, as well as the observance
nasionalisme dan sportivitas, serta pelaksanaan of religious ceremonies that facilitate individual
upacara keagamaan yang memfasilitasi kebutuhan spiritual needs.
spiritualitas individu.
Melalui penerapan program-program tersebut, KB Through the implementation of these programs, KB
Bank berkomitmen untuk membangun budaya kerja Bank is committed to building a healthy, inclusive,
yang sehat, inklusif, dan berkelanjutan. Dengan and sustainable work culture. By achieving work-
terciptanya work-life balance, diharapkan karyawan life balance, employees are expected to contribute
dapat memberikan kontribusi optimal bagi perusahaan optimally to the Company while maintaining their
sekaligus menjaga kualitas hidup mereka. [OJK F.1] quality of life. [OJK F.1]
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Menyalurkan Kontribusi Kepada Masyarakat
Delivering Contributions to The Community
Komitmen dan Kebijakan [GRI 3-3] Commitment and Policy [GRI 3-3]
Bagi KB Bank, pertumbuhan dan keberlanjutan bisnis For KB Bank, KB Bank’s business growth and
Bank tidak terlepas dari hubungan yang harmonis dan sustainability are inseparable from harmonious
konstruktif dengan pemangku kepentingan, terutama and constructive relationship with stakeholders,
masyarakat dan komunitas di sekitar operasional particularly communities surrounding its operational
perusahaan. Oleh karena itu, KB Bank senantiasa areas. Therefore, KB Bank consistently fosters positive
membangun komunikasi dan hubungan yang positif communication and relationships to ensure that the
sehingga kehadiran Bank memberikan nilai tambah Bank’s presence delivers added value to society.
bagi masyarakat.
Sebagai wujud komitmen tersebut, KB Bank As a manifestation of this commitment, KB Bank
menjalankan berbagai program Tanggung Jawab implements various Social and Environmental
Sosial dan Lingkungan (TJSL) atau Corporate Social Responsibility (SER) or Corporate Social Responsibility
Responsibility (CSR) dengan mengacu ke beberapa (CSR) programs with reference to several regulations
regulasi yang menjadi landasan dalam pelaksanaan that serve as the basis for the implementation of SER
program TJSL di KB Bank. programs at KB Bank.
Program TJSL ini menjadi bagian penting dalam These SER programs constitute an important part of the
penerapan tata kelola perusahaan yang baik serta implementation of good corporate governance and play a
berperan strategis dalam mendukung pembangunan strategic role in supporting sustainable development. All
berkelanjutan. Seluruh inisiatif CSR KB Bank dirancang KB Bank CSR initiatives are designed to align economic,
untuk menyelaraskan aspek ekonomi, sosial, dan social, and environmental aspects, in line with the 17
lingkungan, sejalan dengan 17 Tujuan Pembangunan Sustainable Development Goals (SDGs), which form part
Berkelanjutan (SDGs) yang menjadi agenda of the Indonesian Government’s agenda.
pemerintah Indonesia.
Pada praktiknya, program CSR KB Bank berfokus pada In practice, KB Bank’s CSR programs focus on four main
empat bidang utama yakni pendidikan, pemberdayaan areas: education, community empowerment, social
masyarakat, sosial kemasyarakatan, dan keagamaan. initiatives, and religious activities. Throughout 2025,
Dari berbagai program yang telah dijalankan sepanjang the Bank delivered various programs and realized a
tahun 2025, KB Bank merealisasikan anggaran CSR total CSR budget of IDR 957,229,550 or representing
sebesar Rp957.229.550 atau 106% dari anggaran 106% of the annual budget, increasing compared to the
tahunan, meningkat dibandingkan realisasi tahun previous year’s realization of IDR 706,786,700.
sebelumnya sebesar Rp706.786.700.
957
Realisasi anggaran CSR tahun 2025,
Rp Juta 106% dari anggaran tahunan.
IDR Million Realization of the 2025 CSR budget
was 106% of the annual budget.
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Pengaduan Nasabah [OJK F.24] Customer Complaints [OJK F.24]
KB Bank telah mengembangkan mekanisme pengaduan KB Bank has developed a grievance mechanism that
yang memungkinkan nasabah menyampaikan keluhan enables the customer to submit complaints related
terkait produk dan layanan, serta isu sosial maupun to social or environmental issues arising from the
lingkungan yang timbul dari kegiatan operasional KB Company’s operational activities. This mechanism is
Bank. Nasabah dapat menyampaikan keluhan atau part of KB Bank’s commitment to ensuring transparency,
pengaduan secara langsung melalui: accountability, and active community involvement in
safeguarding the sustainability of its operations.
Frontline di Kantor Cabang Call Center Halo KB Bank Email
Frontliners at Branch Offices
14005 customer_care@kbbank.co.id
Berikut adalah alur pengaduan nasabah KB Bank: The following is the flow of KB Bank customer
complaints:
Penerimaan dan pencatatan pengaduan, Receipt and registration of complaints,
1. 1.
termasuk verifikasi identitas nasabah; including verification of customer identity;
Klasifikasi dan analisis pengaduan Classification and analysis of complaints
2. 2.
berdasarkan jenis dan tingkat kompleksitas; based on type and level of complexity;
Tindak lanjut dan investigasi oleh unit Follow-up actions and investigation by
3. 3.
kerja terkait; the relevant work units;
Penyampaian hasil penyelesaian kepada Communication of the resolution outcome to
4. 4.
nasabah secara jelas dan transparan; customers in a clear and transparent manner;
Pemantauan dan evaluasi untuk memastikan Monitoring and evaluation to ensure
5. 5.
perbaikan berkelanjutan. continuous improvement.
KB Bank berkomitmen untuk menyelesaikan setiap KB Bank is committed to resolving every complaint
pengaduan dalam jangka waktu yang telah ditetapkan, within the stipulated timeframe and providing
serta memberikan penjelasan yang memadai kepada adequate explanations to customers. In cases where
nasabah. Dalam hal pengaduan tidak dapat diselesaikan a complaint cannot be resolved in accordance with
sesuai kesepakatan, nasabah memiliki hak untuk the agreed terms, customers have the right to pursue
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melanjutkan penyelesaian melalui mekanisme alternatif resolution through alternative mechanisms, such as
seperti Lembaga Alternatif Penyelesaian Sengketa the Alternative Dispute Resolution Institution for the
Sektor Jasa Keuangan (LAPS SJK) sesuai ketentuan Financial Services Sector (LAPS SJK), in accordance
yang berlaku. with the prevailing regulations.
Seluruh proses pengaduan dilakukan tanpa biaya The entire complaint handling process is conducted
kepada nasabah serta dijaga kerahasiaannya sesuai free of charge for customers, and the confidentiality
dengan ketentuan peraturan perundang-undangan. of all information is maintained in accordance with the
applicable laws and regulations.
Sepanjang tahun 2025, KB Bank menerima sebanyak Throughout 2025, the Company received a total of
4.994 keluhan dari nasabah. Dari jumlah tersebut, 4,994 complaints from the public. Of these, 4,994
4.994 keluhan telah ditindaklanjuti dan diselesaikan complaints were followed up and resolved through
melalui proses yang disepakati bersama, sehingga mutually agreed processes, ensuring that each concern
memastikan setiap masukan nasabah ditangani secara was addressed appropriately and responsibly.
tepat dan bertanggung jawab.
100%
Sepanjang tahun 2025, seluruh keluhan dari masyarakat
yang diterima telah ditindaklanjuti dan diselesaikan.
Throughout 2025, all complaints received from the public
were followed up and resolved.
Tanggung Jawab Sosial dan Social and Environmental
Lingkungan [OJK F.25][GRI 413-1] Responsibility [OJK F.25][GRI 413-1]
Sebagai wujud komitmen terhadap keberlanjutan, KB As a manifestation of its commitment to sustainability,
Bank melaksanakan berbagai program Tanggung Jawab KB Bank implements various Social and Environmental
Sosial dan Lingkungan (TJSL) yang dirancang untuk Responsibility (SER) programs designed to deliver
memberikan manfaat nyata bagi masyarakat sekaligus tangible benefits to communities while supporting the
mendukung pencapaian Tujuan Pembangunan achievement of the Sustainable Development Goals
Berkelanjutan (SDGs). Program ini berfokus pada empat (SDGs). These programs focus on four main areas:
bidang utama yakni pendidikan, lingkungan, sosial dan education, environment, social and religious activities.
keagamaan. [GRI 203-1] [GRI 203-1]
Ruang Lingkup Nominal Scope Nominal
Pendidikan Rp186.345.500 Education IDR 186,345,500
Lingkungan Rp151.439.000 Environment IDR 151,439,000
Sosial Rp174.566.050 Social IDR 174.566.050
Rp444.879.000 Religious IDR 444,879,000
Keagamaan
Activities
Total Rp957.229.550 Total IDR 957,229,550
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Pendidikan Education
KB Bank meyakini bahwa pendidikan merupakan KB Bank believes that education is the key to
kunci peningkatan kualitas hidup masyarakat. improving the quality of life in society. The higher
Semakin tinggi tingkat pendidikan, semakin besar the level of education, the greater the contribution
pula kontribusi terhadap pertumbuhan ekonomi. to economic growth. Therefore, education is a top
Oleh karena itu, pendidikan menjadi prioritas priority in the implementation of its SER programs.
utama dalam pelaksanaan program TJSL. KB Bank KB Bank is committed to preparing an outstanding
berkomitmen menyiapkan generasi unggul melalui generation through the provision of scholarships,
pemberian beasiswa, dukungan sarana belajar, support for learning facilities, and skills training
serta pelatihan keterampilan yang relevan dengan relevant to future needs.
kebutuhan masa depan.
Donasi Buku Bacaan dan Fasilitas Permainan Donation of Reading Books and Educational Play
Edukatif Facilities
KB Bank menyalurkan bantuan berupa 263 KB Bank distributed assistance in the form of
buku bacaan dan fasilitas permainan edukatif 263 reading books and educational play facilities
ke Perpustakaan Multikultural Muktiwari, Desa to the Multicultural Muktiwari Library, Muktiwari
Muktiwari, Kecamatan Cibitung, Kabupaten Bekasi. Village, Cibitung District, Bekasi Regency. This
Program ini bertujuan untuk meningkatkan akses program aims to improve literacy access for the
literasi bagi masyarakat sekitar serta mendukung surrounding community as well as support the
upaya akreditasi perpustakaan guna meningkatkan library accreditation process to enhance the
kualitas pendidikan. Melalui program ini, KB Bank quality of education. Through this program, KB
berharap dapat mendorong minat baca anak-anak, Bank hopes to encourage children’s interest in
mengembangkan kreativitas, serta menjadikan reading, foster creativity, and make the learning
proses belajar lebih menyenangkan dan interaktif. process more enjoyable and interactive.
263 39,2
Rp
Juta
IDR Million
Buku yang disalurkan Total dana yang dialokasikan
Books distributed Total funds allocated
Beasiswa Pendidikan Educational Scholarships
Sebagai wujud kepedulian dan komitmen nyata As a form of care and tangible commitment to
dalam mendukung pengembangan potensi supporting the development of the younger
generasi muda, KB Bank menyerahkan total generation’s potential, KB Bank provided a total of
beasiswa pendidikan mencapai lebih dari Rp30 juta more than IDR 30 million in educational scholarships
kepada 53 pelajar dan 2 mahasiswa berprestasi to 53 students and 2 university students who
dan prasejahtera dari berbagai program beasiswa. are high-achieving and underprivileged through
Beberapa beasiswa disalurkan melalui program various scholarship programs. Several scholarships
Scholarship for the Nation (Beasiswa untuk Negeri) were distributed through the Scholarship for the
yang diinisiasi oleh Yayasan Daerah Untuk Negeri Nation program initiated by Yayasan Daerah Untuk
(DUN), beasiswa pendidikan kepada Pemenang Negeri (DUN), educational scholarships for winners
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Indonesian Korean Oratory Speech Contest, of the Indonesian Korean Oratory Speech Contest,
hingga program beasiswa “Masa Depan Cerah” and the “Bright Future” scholarship program in
berkolaborasi dengan Yayasan Pendidikan Raksana. collaboration with Yayasan Pendidikan Raksana.
55
Penerima manfaat beasiswa
30
yang terdiri dari 53 pelajar
Rp
dan 2 mahasiswa Juta
IDR Million
Scholarship beneficiaries
consisting of 53 students and Total dana yang dialokasikan
2 university students Total funds allocated
Beasiswa Persipu Academy Football School Persipu Academy Football School Scholarship
Sebagai bentuk komitmen terhadap pembangunan As a form of commitment to sustainable social
sosial berkelanjutan, KB Bank meluncurkan development, KB Bank launched the CSR program
program CSR “Persipu Academy Football School “Persipu Academy Football School Scholarship”.
Scholarship”. Inisiatif ini menggabungkan nilai This initiative integrates the values of education,
pendidikan, olahraga, dan pembentukan karakter sports, and character building as a foundation
sebagai fondasi bagi lahirnya generasi muda for nurturing a generation of Indonesian youth
Indonesia yang berintegritas dan berdaya saing. who are full of integrity and competitiveness.
Melalui kolaborasi dengan Persipu Academy, Through collaboration with Persipu Academy, a
sebuah lembaga pelatihan sepak bola profesional professional football training institution focused on
yang berfokus pada pengembangan potensi anak- developing the potential of children and youth, KB
anak dan remaja, KB Bank memberikan beasiswa Bank provides full scholarships to 5 (five) selected
penuh kepada 5 (lima) peserta terpilih untuk participants to undergo intensive training for one
mengikuti pelatihan intensif selama satu tahun. year. This support includes funding for training
Dukungan ini meliputi pembiayaan program latihan programs and character development, which is
serta pengembangan karakter, yang diharapkan expected to serve as a platform for nurturing
menjadi wadah pembinaan talenta muda sekaligus young talent while instilling values of discipline,
menanamkan nilai disiplin, kerja sama, dan teamwork, and a healthy competitive spirit.
semangat kompetitif yang sehat.
5
Penerima manfaat beasiswa
Pendidikan sepak bola selama
satu tahun
Beneficiaries of the football
education scholarship for one year
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Sosial Social
Sebagai bagian dari kepedulian terhadap As part of its commitment to the community,
masyarakat, KB Bank aktif mendukung kegiatan KB Bank actively supports social activities
sosial yang berorientasi pada peningkatan aimed at improving community welfare.
kesejahteraan komunitas. Program ini mencakup These programs include assistance for
bantuan bagi masyarakat terdampak bencana, disaster-affected communities, healthcare
dukungan kesehatan, serta kegiatan sosial lain support, and other social initiatives that strengthen
yang memperkuat solidaritas dan kebersamaan. solidarity and togetherness.
Kontribusi Sosial kepada Panti Asuhan dan Social Contributions to Orphanages and Islamic
Pesantren Boarding Schools
Dalam rangka memperingati Hari Ulang Tahun In commemoration of its 55th Anniversary, KB
ke-55, KB Bank menunjukkan komitmennya Bank demonstrated its commitment to social
terhadap kepedulian sosial dengan menyalurkan care by distributing donation assistance to two
bantuan donasi kepada dua lembaga sosial, yaitu social institutions, namely Pondok Pesantren
Pondok Pesantren Sirojul Munir di Jati Asih, Bekasi, Sirojul Munir in Jati Asih, Bekasi, and Darul Aitam
dan Panti Asuhan Darul Aitam di Jakarta Barat. Orphanage in West Jakarta. This assistance was
Bantuan ini diberikan untuk mendukung operasional provided to support daily operations, including
sehari-hari, termasuk kebutuhan pendidikan dan educational needs and the welfare of foster
kesejahteraan anak-anak asuh serta para santri. children and students. The allocated funds totaled
Dana yang dialokasikan mencapai Rp20 juta yang IDR 20 million, distributed among 200 beneficiaries.
disalurkan kepada 200 penerima manfaat.
200
Penerima manfaat pendidikan
20
dan kesejahteraan anak asuh Rp
dan santri
Juta
IDR Million
Beneficiaries of education
and welfare support for foster Total dana yang dialokasikan
children and students Total funds allocated
Donor Darah Bersama PMI Blood Donation in Collaboration with PMI
KB Bank melalui KB Bank Club menyelenggarakan KB Bank, through KB Bank Club, organized a
kegiatan CSR sosial donor darah yang melibatkan CSR social blood donation activity involving
partisipasi aktif dari karyawan. Kegiatan ini active participation from employees. This activity
merupakan bentuk nyata komitmen KB Bank dalam represents a tangible commitment by KB Bank in
menjalankan tanggung jawab sosial perusahaan carrying out its Corporate Social Responsibility
(CSR), khususnya di bidang kesehatan masyarakat. (CSR), particularly in the area of public health.
Tidak hanya membantu pemenuhan kebutuhan In addition to helping meet national blood supply
darah nasional, kegiatan ini juga menjadi sarana needs, this activity also serves as a platform to
untuk memperkuat semangat solidaritas dan strengthen the spirit of solidarity and collaboration
kolaborasi antar pegawai. Adapun dana yang among employees. The allocated funds totaled
dialokasikan mencapai Rp6,6 juta dan mendapat IDR 6.6 million, with 100 donors participating.
100 pendonor.
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100 6,6
Rp
Juta
IDR Million
Pendonor Total dana yang dialokasikan
Donors Total funds allocated
Bantuan Bencana Sumatra Disaster Assistance in Sumatra
KB Bank bersama KB Bank Syariah menyalurkan KB Bank, together with KB Bank Syariah,
bantuan kemanusiaan senilai lebih dari distributed humanitarian assistance totaling more
Rp140.807.323 melalui Palang Merah Indonesia than IDR 140,807,323.00 through the Indonesian
(PMI) untuk mendukung penanganan bencana Red Cross (PMI) to support disaster response
banjir dan longsor di Aceh, Sumatra Utara, dan efforts for floods and landslides in Aceh, North
Sumatra Barat. Bantuan yang disalurkan meliputi Sumatra, and West Sumatra. The assistance
paket makanan, obat-obatan, sembako, air minum, distributed included food packages, medicines,
perlengkapan bayi, serta kebutuhan esensial basic necessities, drinking water, baby supplies,
lainnya, dengan distribusi difokuskan ke wilayah and other essential needs, with distribution
yang paling membutuhkan. Selain melalui PMI, KB focused on the areas most in need. In addition to
Bank juga menyalurkan bantuan tambahan hingga PMI, KB Bank also distributed additional assistance
Rp50 juta melalui Taspen dan mitra strategis of up to IDR 50 million through Taspen and other
lainnya sebagai bentuk komitmen perusahaan strategic partners as a form of the Company’s
dalam memperluas jangkauan bantuan. commitment to expanding the reach of assistance.
Jumlah Korban Bencana Alam
ratusan ribu orang terdampak di
wilayah Provinsi Aceh, Sumatera
>140
Barat dan Sumatera Utara
Rp
Hundreds of thousands of people Juta
IDR Million
were affected by natural disasters
in the Provinces of Aceh, West Total dana yang dialokasikan
Sumatra, and North Sumatra. Total funds allocated
Sehat Bersama KB Bank Healthy Together with KB Bank
Sebagai wujud komitmen dalam meningkatkan As a form of commitment to improving the quality
kualitas hidup masyarakat, KB Bank mengadakan of life of the community, KB Bank organized
kegiatan “Sehat Bersama KB Bank” di kantor the “Healthy Together with KB Bank” activity
KB Bank Cabang Bandung. Berbagai aktivitas at the KB Bank Bandung Branch office. Various
olahraga dilaksanakan seperti sesi Tai Chi sports activities were carried out, such as Tai
bersama instruktur dari Komunitas Qing Long Chi sessions with instructors from the Qing Long
dan layanan pemeriksaan kesehatan gratis hasil Community and free health check-up services in
kolaborasi dengan Mayapada Hospital Bandung. collaboration with Mayapada Hospital Bandung.
Melalui aktivitas ini KB Bank mengajak Nasabah, Through this activity, KB Bank encourages
Masyarakat, dan Karyawan untuk meningkatkan Customers, the Community, and Employees
kesadaran pentingnya untuk menerapkan to increase awareness of the importance
gaya hidup sehat serta mempererat hubungan of adopting a healthy lifestyle while
harmonis antara Perusahaan dan Komunitas. strengthening harmonious relationships
between the Company and the Community.
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Komitmen KB Bank di bidang kesehatan juga KB Bank’s commitment in the health sector
terhubung dengan inisiatif global KB Financial is also connected to global initiatives of KB
Group (KBFG), di antaranya program operasi Financial Group (KBFG), including a free heart
jantung gratis untuk anak-anak Indonesia di surgery program for Indonesian children at
Samsung Seoul Hospital, Korea Selatan, serta Samsung Seoul Hospital, South Korea, as well
dukungan pascaoperasi di Rumah Sakit Hasan as post-operative support at Hasan Sadikin
Sadikin, Bandung. Hospital, Bandung.
Keagamaan Religious Activities
KB Bank turut berkontribusi dalam mendukung KB Bank also contributes to supporting religious
kegiatan keagamaan sebagai bagian dari activities as part of its respect for the spiritual
penghormatan terhadap nilai-nilai spiritual values of the community. Support is provided
masyarakat. Dukungan diberikan melalui through the development of worship facilities,
pembangunan fasilitas ibadah, penyelenggaraan the organization of religious events, and social
kegiatan keagamaan, serta bantuan sosial assistance initiatives that promote harmony and
yang memperkuat harmoni dan toleransi interfaith tolerance.
anta rumat beragama.
Berbagi Takjil Ramadhan Ramadan Takjil Distribution
KB Bank melaksanakan program CSR berbagi KB Bank carried out a CSR program of
takjil di depan Kantor Pusat KB Bank. Kegiatan distributing takjil in front of the KB Bank Head
ini merupakan bagian dari inisiatif sosial KB Bank Office. This activity is part of KB Bank’s social
untuk mendukung masyarakat sekitar, khususnya initiative to support the surrounding community,
para pengguna jalan, pekerja, dan warga yang particularly road users, workers, and residents
masih dalam perjalanan saat waktu berbuka puasa. who are still on their way during iftar time.
Ratusan paket takjil dibagikan secara gratis Hundreds of takjil packages were distributed free
kepada masyarakat yang melintas di depan kantor of charge to people passing in front of the KB Bank
pusat KB Bank. Head Office.
>1.000
Penerima manfaat
Beneficiaries
150
Rp
Juta
IDR Million
Dana yang dialokasikan
Funds allocated
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Renovasi Masjid Mosque Renovation
Dalam semangat kebersamaan Ramadan, KB In the spirit of togetherness during Ramadan, KB
Bank menyalurkan donasi untuk renovasi masjid Bank provided donations for the renovation of
Al-Ikhlas di S.Parman. Masjid Al Ikhlas S. Parman Al-Ikhlas Mosque in S. Parman. Al Ikhlas Mosque
memiliki peran penting sebagai pusat kegiatan S. Parman plays an important role as a center for
keagamaan dan tempat silaturahmi antar sesama religious activities and a place for gathering among
muslim, termasuk karyawan KB Bank serta warga Muslims, including KB Bank employees and the
sekitar. Adanya renovasi ini, diharapkan dapat surrounding community. Through this renovation,
mendukung fasilitas ibadah yang lebih nyaman dan it is expected to support more comfortable and
berkelanjutan bagi karyawan maupun masyarakat. sustainable worship facilities for both employees
and the community.
Donasi Hewan Kurban Qurban Animal Donation
Dalam rangka Hari Raya Idul Adha 1446 H, KB In commemoration of Eid al-Adha 1446 H,
Bank menyalurkan CSR yang bertema KB Bank KB Bank carried out CSR under the theme
Care dengan memberikan hewan qurban kepada KB Bank Care by providing qurban animals to
masyarakat di sekitar wilayah operasional communities in the Company’s operational areas.
Perusahaan. Sebanyak 10 ekor sapi diserahkan A total of 10 cows were distributed through Ar
melalui Masjid Ar Ridho, Masjid Al Ikhlas, Warga di Ridho Mosque, Al Ikhlas Mosque, residents in
Kelurahan Cikoko serta Pondok Pesantren Darul Cikoko Subdistrict, and Darul Hikmah Islamic
Hikmah di Sentul. Boarding School in Sentul.
10
Ekor sapi yang
Rp
IDR 280 Juta
Million
diserahkan Dana yang dialokasikan
Cows distributed Funds allocated
Perayaan Pra-Natal Pre-Christmas Celebration
KB Bank Cabang Manado melaksanakan kegiatan KB Bank Manado Branch organized a
Perayaan Pra-Natal yang diwujudkan melalui Pre-Christmas Celebration activity, realized
Kunjungan Kasih dan Bantuan Sosial kepada through Compassion Visits and Social Assistance
sejumlah gereja dan panti asuhan di wilayah to several churches and orphanages in the
Manado dan sekitarnya. Kegiatan ini menyasar Manado area and its surroundings.This activity
beberapa penerima manfaat, antara lain Panti targeted several beneficiaries, including Santo
Santo Lucas, Gereja Advent Tomohon, Panti Lucas Orphanage, Advent Church Tomohon,
Asuhan Nazareth GMIM, Panti Asuhan Rumah Nazareth GMIM Orphanage, Rumah Iman Anak
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Iman Anak, Panti Asuhan Wale Ni Oki, dan Panti Orphanage, Wale Ni Oki Orphanage, and Asobirin
Asuhan Asobirin. KB Bank menyalurkan bantuan Orphanage. KB Bank provided social assistance
sosial berupa paket sembako, kebutuhan pokok, in the form of basic food packages, daily
perlengkapan anak, serta dukungan logistik necessities, children’s supplies, and other logistical
lainnya, yang diserahkan secara langsung kepada support, all of which were delivered directly
penerima manfaat. to the beneficiaries.
Lingkungan Environment
KB Bank berupaya mendorong keterlibatan KB Bank seeks to encourage community
masyarakat dalam menjaga kelestarian lingkungan. participation in preserving environmental
Berbagai inisiatif lingkungan dirancang untuk sustainability. Various environmental initiatives
meningkatkan kesadaran dan membangun perilaku are designed to raise awareness and foster
ramah lingkungan. Melalui pendekatan kolaboratif environmentally responsible behavior. Through
bersama komunitas dan pemangku kepentingan, a collaborative approach with communities
KB Bank berharap dapat menciptakan dampak and stakeholders, KB Bank aims to create
positif yang berkelanjutan sekaligus memperkuat sustainable positive impacts while strengthening
budaya peduli lingkungan sebagai bagian dari a culture of environmental stewardship as part of
pembangunan yang berwawasan keberlanjutan. sustainability-oriented development. [OJK F.1]
[OJK F.1]
Peningkatan Infrastruktur Pengelolaan Sampah Waste Management Infrastructure Improvement
KB Bank meluncurkan program CSR “Peduli KB Bank launched the CSR program
Lingkungan” dengan fokus pada peningkatan “Environmental Care” focusing on improving
infrastruktur pengelolaan sampah di Kota Kupang. waste management infrastructure in Kupang City.
Bekerja sama dengan Pemerintah Kota Kupang, In collaboration with the Kupang City Government,
KB Bank menyerahkan bantuan berupa 2 unit KB Bank provided assistance in the form of
motor pengangkut sampah dan 10 unit kontainer 2 garbage transport motorcycles and 10 containers
berkapasitas 660 liter. Bantuan ini diharapkan with a capacity of 660 liters. This assistance is
dapat mendukung upaya penanganan sampah expected to support waste management efforts
di Kota Kupang, yang saat ini hanya mampu in Kupang City, which currently can only handle
mengangkut sekitar 71% dari total produksi approximately 71% of the total daily waste
sampah harian sebesar 234 ton. production of 234 tons.
12
151,4
Unit kendaraan yang diserahkan, terdiri
Rp
dari 2 motor pengangkut sampah dan
IDR
10 unit container berkapasitas 660 liter
Units delivered, consisting of 2 garbage Dana yang Juta
transport motorcycles and 10 containers dialokasikan Million
with a capacity of 660 liters Funds allocated
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Kontribusi Terhadap Literasi dan Contribution To Financial Literacy and
Inklusi Keuangan Inclusion
Sebagai bentuk implementasi dan kepatuhan terhadap As part of the implementation of and compliance with
POJK No. 3 Tahun 2023 tentang Peningkatan Literasi dan POJK No. 3 of 2023 on the Enhancement of Financial
Inklusi Keuangan serta POJK No. 22 Tahun 2023 tentang Literacy and Inclusion and POJK No. 22 of 2023 on
Pelindungan Konsumen, KB Bank melaksanakan berbagai Consumer Protection, KB Bank carried out various
program literasi dan inklusi keuangan sepanjang tahun financial literacy and inclusion programs throughout
2025. Kegiatan tersebut difokuskan pada pengenalan 2025. These activities focused on introducing banking
produk dan layanan perbankan kepada masyarakat products and services to the public, as part of efforts to
umum, sebagai bagian dari upaya memperluas akses expand access while enhancing understanding of safe
sekaligus meningkatkan pemahaman terhadap layanan and responsible financial services.
keuangan yang aman dan bertanggung jawab.
Sepanjang tahun 2025, KB Bank memperluas jangkauan Throughout 2025, KB Bank expanded the reach of
edukasi keuangan kepada mahasiswa, pelaku UMKM, financial education to university students, MSME
ibu rumah tangga, serta masyarakat umum melalui actors, housewives, and the general public through
berbagai inisiatif, antara lain: various initiatives
KB Bank Goes to Campus
KB Bank memberikan edukasi mengenai pengelolaan keuangan KB Bank provided education on personal financial management,
pribadi, termasuk perencanaan anggaran, pengelolaan arus kas, including budget planning, cash flow management, the importance
pentingnya menabung dan berinvestasi sejak dini, serta pemahaman of saving and investing early, and understanding banking products
terhadap produk dan layanan perbankan. Kegiatan ini dilaksanakan and services. The event, held at Universitas Esa Unggul, was
di Universitas Esa Unggul dan dihadiri oleh 340 peserta. attended by 340 participants.
KB Bank Empower MSME
KB Bank mengundang pelaku usaha untuk mengikuti sesi KB Bank invited business owners to attend an educational
edukasi mengenai penguatan mindset keuangan di era digital. session on strengthening financial mindsets in the digital era.
Materi yang disampaikan mencakup pentingnya pemisahan The material covered the importance of separating personal
keuangan pribadi dan usaha, pengelolaan arus kas yang disiplin, and business finances, disciplined cash flow management,
pemanfaatan layanan perbankan digital untuk mendukung efisiensi utilizing digital banking services to support operational
operasional, serta kesiapan dalam mengakses pembiayaan formal. efficiency, and preparing for access to formal financing.
Edukasi ini bertujuan membantu UMKM meningkatkan kapasitas This educational session aims to help MSMEs improve their
manajerial dan daya saing, sekaligus mendorong integrasi yang managerial capacity and competitiveness, while also encouraging
lebih luas ke dalam sistem keuangan formal. Adapun kegiatan ini broader integration into the formal financial system. This activity
dihadiri oleh 50 peserta UMKM. was attended by 50 MSME participants.
KB Bank Goes to School
Program inklusi keuangan yang melibatkan 879 siswa mulai dari A financial inclusion program involved a total of 879 students
tingkat Sekolah Dasar hingga Sekolah Menengah Atas. Melalui sesi ranging from elementary school to high school. Through interactive
interaktif, sosialisasi, serta aktivitas edukatif, peserta diperkenalkan sessions, outreach, and educational activities, participants are
pada pengelolaan keuangan yang bijak, pentingnya menabung, introduced to wise financial management, the importance of saving,
serta pemahaman dasar mengenai produk dan layanan perbankan. and a basic understanding of banking products and services.
Program ini bertujuan meningkatkan kesadaran finansial sejak This program aims to increase financial awareness from an early
dini serta mendorong terbentuknya generasi muda yang mampu age and encourage the development of a young generation
mengambil keputusan keuangan secara bertanggung jawab. capable of making responsible financial decisions.
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Tour de Bank
Program kunjungan edukatif ke kantor KB Bank yang memberikan An educational visit program to a KB Bank office provided students
pengalaman langsung kepada siswa untuk mengenal dunia with hands-on experience in the banking world. A total of 902
perbankan. Sebanyak 902 siswa mulai dari preschool hingga students ranging from preschool to junior high school had the
Sekolah Menengah Pertama berkesempatan melihat proses opportunity to observe banking operations firsthand and engage
operasional perbankan secara langsung serta berdialog dengan in dialogue with KB Bank’s frontline staff. This initiative is expected
frontliner KB Bank. Inisiatif ini diharapkan dapat meningkatkan to increase public understanding of the role of banking in driving
pemahaman masyarakat terhadap peran perbankan dalam inclusive economic growth.
mendorong pertumbuhan ekonomi yang inklusif.
GenKBiz (Generasi Kreatif Siap Jadi Pebisnis)
Program pengembangan kewirausahaan bagi generasi muda This entrepreneurship development program for the younger
yang dirancang untuk mendorong lahirnya greenpreneur generation was designed to encourage the emergence of
atau wirausaha yang berorientasi pada prinsip keberlanjutan. greenpreneurs, or entrepreneurs oriented towards sustainability
Melalui pelatihan terstruktur, sharing session bersama praktisi, principles. Through structured training, sharing sessions with
serta sesi business pitching, KB Bank memberikan dukungan practitioners, and business pitching sessions, KB Bank provided
dalam penguatan kapasitas peserta untuk mengembangkan support in strengthening participants’ capacity to develop business
model bisnis yang tidak hanya inovatif secara ekonomi, tetapi models that are not only economically innovative but also consider
juga memperhatikan aspek lingkungan dan dampak sosial. environmental aspects and social a. GenKBiZ program began in
Program GenKBiZ dimulai pada November 2025 dan berlanjut November 2025 and continued until February 2026 in five cities:
hingga Februari 2026 di lima kota, yaitu Batam, Bandung, Batam, Bandung, Surabaya, Yogyakarta, and Makassar. The total
Surabaya, Yogyakarta, dan Makassar. Adapun total pendaftar number of GenKBiZ applicants across five cities reached 1,075
GenKBiZ di 5 kota adalah sebesar 1.075 peserta, dan yang berhasil participants, of which 91 advanced to the semifinal bootcamp,
melaju ke bootcamp semifinal adalah 91 peserta dengan total 15 resulting in a total of 15 winners across the five cities. GenKBiZ
pemenang di 5 kota. GenKBiZ telah berhasil menjadi fasilitator bagi has successfully served as a facilitator for young entrepreneurs
pengusaha muda di Indonesia dalam memperkuat model bisnis in Indonesia to strengthen their Greenpreneur business models.
Greenpreneur. Tidak hanya dari sisi kuantitas pendaftar, dampak Beyond the number of applicants, the program has demonstrated
nyata juga terlihat dari peningkatan pemahaman teknis peserta tangible impact through participants’ improved technical
terhadap ESG (Environmental, Social, and Governance) serta ToC understanding of ESG (Environmental, Social, and Governance)
(Theory of Change). Selain itu, program ini turut berperan sebagai and ToC (Theory of Change). In addition, the program also plays
sarana literasi keuangan dengan memberikan pemahaman dasar a role in promoting financial literacy by providing basic financial
terkait keuangan, serta mendorong inklusi keuangan melalui knowledge, as well as encouraging financial inclusion through digital
pembukaan rekening digital KBstar bagi semifinalis terpilih. account opening via KBstar for selected semifinalists. The high level
Tingginya tingkat validasi peserta terhadap kualitas mentor of participant validation toward the quality of mentors and program
dan fasilitas program juga semakin menegaskan keberhasilan facilities further reinforces the overall success of GenKBiZ.
pelaksanaan GenKBiZ.
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Memberikan Produk dan Layanan Terbaik
Providing The Best Products and Services
Komitmen dan Kebijakan [GRI 3-3] Commitment and Policies [GRI 3-3]
Pertumbuhan dan keberlanjutan bisnis KB Bank The growth and sustainability of KB Bank’s business in
pada tahun 2025 didukung oleh komitmen dalam 2025 are supported by a commitment to maintaining
menjaga kepercayaan nasabah di tengah dinamika customer trust amid the increasingly dynamic and
dan persaingan industri perbankan yang semakin competitive banking industry. With a commitment to
kompetitif. Dengan komitmen menghadirkan layanan delivering the best services, KB Bank continuously
terbaik, KB Bank terus meningkatkan kualitas produk improves the quality of its products and services to
dan layanan agar selaras dengan kebutuhan serta align with customer needs and expectations. Sustained
ekspektasi nasabah. Kepuasan nasabah yang terjaga customer satisfaction serves as an important foundation
menjadi modal penting bagi KB Bank untuk memperkuat for KB Bank to strengthen customer trust and satisfaction
kepercayaan dan kepuasan nasabah sekaligus while driving sustainable business growth.
mendorong pertumbuhan bisnis yang berkelanjutan.
Untuk itu, KB Bank secara konsisten memberikan To this end, KB Bank consistently provides the best
produk dan layanan terbaik melalui kebijakan yang products and services through policies that emphasize
menekankan kesetaraan akses, transparansi informasi, equal access, transparency of information, continuous
inovasi berkelanjutan, serta perlindungan/kerahasiaan innovation, and data protection/confidentiality. All of
data. Seluruh kebijakan ini dijalankan sesuai dengan these policies are implemented in accordance with
regulasi yang berlaku sebagai landasan keberlanjutan applicable regulations as the foundation for long-term
bisnis jangka panjang. business sustainability.
Layanan Setara Untuk Nasabah [OJK F.17] Equivalent Services for
Customers [OJK F.17]
KB Bank mengedepankan layanan yang inklusif dan KB Bank promotes inclusive and equal services, free
setara, tanpa membedakan latar belakang agama, from discrimination on the basis of religion, ethnicity,
suku, etnis, gender, pandangan politik, maupun faktor race, gender, political views, or other discriminatory
diskriminatif lainnya. Kesetaraan layanan juga diberikan factors. Equal service is also provided to customers
kepada nasabah dengan kebutuhan khusus, termasuk with special needs, including persons with disabilities,
penyandang disabilitas, guna memastikan setiap to ensure that every customer has access to banking
nasabah memperoleh akses perbankan yang mudah, services that are easy, safe, and convenient.
aman, dan nyaman.
Komitmen terhadap layanan yang setara juga The commitment to equal services also reflects
mencerminkan penerapan tata kelola perusahaan yang the implementation of good corporate governance,
baik, kepatuhan terhadap Kode Etik, serta ketaatan compliance with the Code of Ethics, and adherence to
terhadap regulasi yang berlaku. applicable regulations.
Informasi Produk dan Layanan [OJK F.28] Product and Service Information [OJK F.28]
KB Bank memastikan setiap nasabah memperoleh KB Bank ensures that every customer receives
informasi yang benar, jelas, dan transparan mengenai accurate, clear, and transparent information regarding
seluruh produk dan layanan yang ditawarkan. all products and services offered. Such information
Informasi tersebut mencakup detail produk, manfaat, includes product details, benefits, risks, and applicable
risiko, serta ketentuan yang berlaku, termasuk aspek terms and conditions, including aspects of product
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pelabelan produk. KB Bank juga telah menerapkan labeling. KB Bank has implemented the Product and
standar Ringkasan Informasi Produk dan Layanan Service Information Summary standards in line with the
berdasarkan pedoman yang disampaikan oleh guidelines issued by the Financial Services Authority.
Otoritas Jasa keuangan.
Praktik Transparansi dalam Penyampaian Informasi Produk dan Layanan
Transparency Practices in Delivering Product and Service Information
Menyediakan materi tertulis tentang produk dan layanan secara jelas.
Providing clear written materials about products and services.
Memberikan penjelasan sesuai kebutuhan nasabah secara langsung.
Providing explanations tailored to customer needs directly.
Memahami kebutuhan nasabah secara menyeluruh dengan pendekatan consultative selling.
Understanding customer needs holistically using a consultative selling approach.
Melakukan edukasi melalui berbagai kanal media dan kegiatan tatap muka di kantor cabang.
Providing education through various media channels and face-to-face activities at branch offices.
KB Bank Rayakan Kebersamaan dengan Nasabah KB Bank Celebrates Togetherness with Customers
dan Mitra Usaha and Business Partners
Sebagai wujud komitmen dalam memberikan layanan terbaik, As a manifestation of its commitment to providing the best
KB Bank menggelar rangkaian acara tahunan Customer services, KB Bank held a series of annual Customer Gathering
Gathering bertajuk Safari Ramadan KB Bank di berbagai events titled Safari Ramadan KB Bank in several cities,
kota, termasuk Bandung, Karawang, Yogyakarta, Malang, dan including Bandung, Karawang, Yogyakarta, Malang, and
Jakarta. Acara yang digelar mulai tanggal 12 hingga 19 Maret Jakarta. The events, held from March 12 to 19, 2025, served as
2025 ini menjadi ajang apresiasi bagi nasabah dan mitra yang a form of appreciation for customers and partners who have
telah mempercayakan KB Bank sebagai mitra finansial dalam entrusted KB Bank as their financial partner in meeting their
memenuhi kebutuhan perbankan, investasi, dan manajemen banking, investment, and financial management needs.
keuangan mereka.
Melalui Customer Gathering ini, KB Bank berharap dapat Through this Customer Gathering, KB Bank hopes to strengthen
mempererat hubungan dengan nasabah, memahami kebutuhan customer relationships, gain a deeper understanding of their
mereka lebih dalam, serta terus memberikan solusi terbaik needs, and continue to provide the best solutions throughout
dalam perjalanan finansial mereka. Acara ini tidak hanya menjadi their financial journey. The event not only served as a gathering
ajang silaturahmi, tetapi juga kesempatan bagi KB Bank untuk opportunity but also as a platform for KB Bank to showcase its
memperkenalkan berbagai pencapaian dan perkembangan achievements and developments, including its latest savings
yang telah dialami oleh KB Bank, termasuk berbagai program programs, “Star Festival,” and its home ownership loan (KPR)
simpanan terbaru yaitu “Star Festival” dan produk pinjaman product, “Star Mortgage.”
untuk kepemilikan rumah (KPR) yaitu “Star Mortgage.”
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Pengelolaan dan Keamanan Data Personal Data Management and
Pribadi Security
KB Bank menempatkan perlindungan data pribadi KB Bank prioritizes the protection of customer personal
nasabah sebagai prioritas utama dalam menjaga data in maintaining business continuity. The security
keberlanjutan bisnis. Keamanan dan kerahasiaan and confidentiality of personal information are not
informasi pribadi bukan hanya kewajiban hukum, only legal obligations, but also fundamental rights that
melainkan hak mendasar yang KB Bank jaga secara KB Bank consistently upholds as a manifestation of
konsisten sebagai wujud komitmen membangun dan its commitment to building and maintaining customer
mempertahankan kepercayaan nasabah. Sepanjang trust. Throughout the reporting year, KB Bank received
tahun pelaporan, KB Bank tidak mendapatkan sanksi no sanctions or fines for customer privacy violations.
atau denda atas pelanggaran privasi nasabah. [GRI 418-1] [GRI 418-1]
Adapun informasi mengenai Kebijakan dan Pengelolaan Information on Customer Personal Data Policy and
Data Pribadi Nasabah dapat dilihat pada tautan berikut Management can be found at the following link: https://
https://www.kbbank.co.id/corporate-governance/ www.kbbank.co.id/corporate-governance/privacy-
privacy-notice notice
Inovasi dan Pengembangan Produk Product and Service Innovation and
dan Layanan [OJK F.26] Development [OJK F.26]
Sepanjang tahun 2025, KB Bank terus berinovasi dan Throughout 2025, KB Bank consistently advanced its
mengembangkan produk dan layanan untuk menjaga innovation agenda by enhancing and developing a
daya saing dan tetap unggul. Beberapa inovasi dan range of products and services, aimed at strengthening
pengembangan yang dilakukan, antara lain: its competitive position and sustaining long-term
business resilience. The following outlines the principal
innovations and developments undertaken:
Planning Rekening Star Program Star Star
Account Dana Nasabah Festival SBN Ritel Pension Mortgage
Planning Customer Star Retail SBN Star Star
Account Fund Account Festival Program Pension Morgage
Pengembangan Produk dan Layanan:
Product and Service Development:
1. Pembiayaan Tempat Usaha 1. Business Premises Financing
2. Pembiayaan Bank Perekonomian Rakyat 2. People’s Economic Bank Financing
3. Transferable LC/ SKBDN 3. Transferable LC/ SKBDN
4. Transaksi Transfer Valuta Asing (Remittance) 4. Foreign Currency Transfer Transactions
(Remittance)
5. Bank Garansi 5. Bank Guarantee
6. Reksadana BNI-AM 6. BNI-AM mutual funds
7. Corporate Benefit Program (CBP) 7. Corporate Benefits Program (CBP)
8. Fitur Contactless Kartu Kredit 8. Credit Card Contactless Feature
9. Fitur Contactless EDC 9. Contactless EDC feature
10. Bancassurance – Smart Maxi Assurance (55/60) 10. Bancassurance – Smart Maxi Assurance (55/60)
11. Bancassurance – Smart Wealth Assurance 11. Bancassurance – Smart Wealth Assurance
12. Fitur Autosplit pada Rekening Giro Escrow 12. Autosplit Feature on Escrow Checking Accounts
125 Laporan Keberlanjutan 2025 Sustainability Report
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Kinerja Keberlanjutan Sustainability Performance
KB Bank Adopsi NGBS Agar Layanan Perbankan KB Bank Adopts NGBS to Enable More Seamless
Makin Seamless Banking Services
KB Bank mengimplementasi teknologi Next Generation Banking KB Bank implements the Next Generation Banking System
System (NGBS) sebagai pembaruan sistem inti layanan (NGBS) technology as an upgrade to KB Bank’s core banking
perbankan KB Bank. Pembaruan teknologi ini memungkinkan service system. This technology upgrade enables customers
nasabah untuk mengakses layanan perbankan secara seamless, to access banking services seamlessly, both through digital
baik melalui kanal digital seperti mobile banking dan internet channels such as mobile banking and internet banking, as
banking, maupun secara fisik di kantor cabang. Dengan data well as physically at branch offices. With centralized customer
nasabah yang terpusat, setiap interaksi menjadi lebih personal data, each interaction becomes more personal and relevant to
dan relevan dengan kebutuhan masing-masing nasabah. the needs of each customer.
Nasabah juga dapat menikmati proses pembukaan rekening Customers can also enjoy faster account opening and credit
hingga pengajuan kredit dalam waktu yang lebih cepat. Selain application processes. In addition to speed, this technology
kecepatan, teknologi ini juga dilengkapi dengan fitur deteksi includes fraud-detection features and stronger data
penipuan (fraud detection) dan perlindungan data yang lebih protection to ensure customer security and convenience in
kuat untuk memastikan keamanan dan kenyamanan nasabah every transaction.
dalam setiap transaksi.
Pembaruan teknologi perbankan KB Bank melalui implementasi The upgrade of KB Bank’s banking technology through the
NGBS ini diharapkan dapat memberikan nilai lebih bagi nasabah implementation of NGBS is expected to provide added value
dan membangun kepercayaan yang lebih kuat bagi seluruh for customers and build stronger trust among all stakeholders.
pemangku kepentingan. Dengan memanfaatkan teknologi By leveraging technologies such as Artificial Intelligence
seperti Artificial Intelligence (AI) dan Big Data, KB Bank tidak (AI) and Big Data, KB Bank is not only addressing current
hanya menjawab tantangan saat ini, tetapi juga mempersiapkan challenges but also preparing to meet future business needs.
diri untuk memenuhi kebutuhan bisnis di masa mendatang.
Evaluasi Keamanan Produk dan Product and Service Safety Evaluation
Layanan [OJK F.27] [OJK F.27]
KB Bank menjunjung tinggi kepatuhan terhadap seluruh KB Bank upholds compliance with all applicable
ketentuan yang berlaku di industri perbankan. Setiap regulations in the banking industry. Every product
produk dan layanan yang Bank hadirkan telah melalui and service offered by the Bank has undergone an
proses penilaian serta persetujuan dari Bank Indonesia assessment process and obtained approval from Bank
dan Otoritas Jasa Keuangan (OJK), sehingga nasabah of Indonesia and the Financial Services Authority (OJK),
memperoleh jaminan keamanan dan kenyamanan thereby ensuring security and comfort for customers in
dalam bertransaksi. conducting transactions.
Pengelolaan dan evaluasi produk serta layanan di KB The management and evaluation of products and
Bank dilakukan melalui proses yang terstruktur dan services at KB Bank are carried out through a structured
melibatkan berbagai fungsi terkait untuk memastikan process involving various relevant functions to ensure
kualitas, keamanan, serta kesesuaian dengan quality, security, and alignment with customer needs.
kebutuhan nasabah. Proses ini diawali oleh product This process is initiated by the product owner or the
owner atau unit bisnis terkait yang bertanggung jawab relevant business unit, which is responsible for the
dalam perancangan, pengembangan, serta evaluasi design, development, and initial evaluation of the
awal atas produk atau layanan yang akan ditawarkan. products or services to be offered.
Selanjutnya, hasil evaluasi tersebut dikaji lebih Subsequently, the evaluation results are further reviewed
lanjut pada tingkat grup bisnis sebelum melibatkan at the business group level before involving supporting
fungsi-fungsi pendukung seperti manajemen risiko, functions such as risk management, compliance, and
kepatuhan, serta fungsi strategis. Keterlibatan strategic functions. The involvement of these various
berbagai fungsi ini menjadi bagian dari proses review functions forms part of a multi-layered review process
berlapis yang bertujuan untuk memastikan bahwa aimed at ensuring that each product meets prudential
setiap produk telah memenuhi aspek kehati-hatian, principles, complies with regulatory requirements, and
kepatuhan terhadap regulasi, serta selaras dengan aligns with the KB Bank’s business strategy.
arah strategi bisnis KB Bank.
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Transformation towards a Stronger Sustainable and Inclusive Growth
Penarikan Produk dan Layanan [OJK F.29] Product and Service Withdrawal [OJK F.29]
Sepanjang tahun 2025, KB Bank memastikan bahwa Throughout 2025, KB Bank ensured that all products
seluruh produk dan jasa yang ditawarkan tetap tersedia and services offered remained available in the market
di pasar tanpa adanya penarikan kembali dengan alasan without any withdrawals for any reason. This reflects
apa pun. Hal ini mencerminkan kualitas pengelolaan the quality of management and KB Bank’s commitment
serta komitmen KB Bank dalam menyediakan produk to providing the best products and services to
dan layanan terbaik kepada nasabah. customers.
Kepuasan Nasabah [OJK F.30] Customer Satisfaction [OJK F.30]
Dalam upaya mewujudkan bisnis yang berkelanjutan, KB In an effort to achieve sustainable business, KB Bank
Bank secara konsisten melaksanakan survei kepuasan consistently conducts customer satisfaction surveys
nasabah untuk mengukur tingkat penerimaan terhadap to measure the level of acceptance of the services
layanan yang diberikan. Survei ini dilakukan secara provided. These surveys are carried out periodically
berkala oleh Customer Experience and Risk Control by the Customer Experience and Risk Control Unit
Unit Department, menggunakan metode Survey Online Department, using an Online Survey method through
melalui QR Code yang diselenggarakan setiap bulan. QR Codes, which are conducted on a monthly basis.
Sepanjang tahun 2025, survei dilaksanakan di Kantor Throughout 2025, the survey was conducted at the
Pusat dan 46 Kantor Cabang di seluruh Indonesia Head Office and 46 Branch Offices across Indonesia,
dengan melibatkan 34.548 responden. involving 34,548 respondents.
Persentase Tingkat Kepuasan
Percentage Level of Satisfaction
0% 0,12% 0,05% 0,79% 27,24% 71,70%
Kosong Sangat Tidak Puas Netral Puas Sangat Puas
Blank Tidak Puas Unsatisfied Neutral Satisfied Very Satisfied
Very
Unsatisfied
127 Laporan Keberlanjutan 2025 Sustainability Report
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Lembar Umpan Balik
Feedback Form [OJK G.2]
Silahkan pilih salah satu kelompok pemangku kepentingan yang paling mewakili Anda:
Please tick the box for the stakeholder group that best describes you:
Employee Regulator Others:
Contractor/Sub-contractor/Vendor/Supplier NGO
Customer Media
Investor/Financial Analyst/Shareholders Student/Academics
Bagaimana peniliaian Anda terhadap laporan ini:
Please rate the report for:
Parameter
1 2 3 4 5
Parameter
Dapat memenuhi kebutuhan informasi yang anda butuhkan
Meeting your information needs
Konten yang lengkap
Content completeness
Transparan
Transparency
Jelas dan mudah dimengerti
Clarity and easy to understand
Kemudahan dalam mencari informasi tertentu
Ease in finding information
Keseluruhan Laporan
Overall Report
Apa yang menjadi perhatian utama bagi Anda mengenai kinerja kami?
Does the report address your main concerns about our performance?
Mohon berikan saran kepada kami untuk meningkatkan kualitas laporan berikutnya
How could we improve this report in the future
Laporan Keberlanjutan 2025 Sustainability Report 128
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Transformation towards a Stronger Sustainable and Inclusive Growth
Daftar Pengungkapan Sesuai
Peraturan Otoritas Jasa Keuangan
Nomor 51/POJK.03/2017
List of Disclosure Based on POJK No.51/POJK.03/2017 [OJK G.4]
No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Strategi Keberlanjutan
Sustainability Strategy
A.1 Penjelasan Strategi Keberlanjutan
6, 17
Explanation on Sustainability Strategies
Ikhtisar Kinerja Aspek Keberlanjutan
Overview of Sustainability Aspects Performance
B.1 Aspek Ekonomi
13
Economy Aspects
B.2 Aspek Lingkungan Hidup
13
Environmental Aspects
B.3 Aspek Sosial
14
Social Aspects
Profil Perusahaan
Company Profile
C.1 Visi, Misi, dan Nilai Keberlanjutan
39
Vision, Mission, Sustainable Values
C.2 Alamat Perusahaan
36
Company Address
C.3 Skala Usaha:
• Total aset atau kapitalisasi dan total kewajiban;
• Jumlah karyawan menurut jenis kelamin, jabatan, usia, pendidikan, dan status ketenagakerjaan;
• Nama pemegang saham dan persentase kepemilikan saham; dan
• Wilayah operasional 46, 47, 48,
Business Scale: 49, 50
• Total assets or assets capitalizationm and total liabilities;
• Total employee based on gender, position, age, education and employment status;
• Percentage of share ownership; and
• Operational area.
C.4 Produk, Layanan, dan Kegiatan Usaha yang Dijalankan
43
Product, Service and Business Activities
C.5 Keanggotaan pada Asosiasi
56
Member Association
C.6 Perubahan Emiten dan Perusahaan Publik yang Bersifat Signifikan
54
Significant Changes
Penjelasan Direksi
Director Explanation
D.1 Penjelasan Direksi
24
Director Explanation
Tata Kelola Keberlanjutan
Sustainable Corporate Governance
E.1 Penanggung Jawab Penerapan Keuangan Berkelanjutan
66
Person in Charge Responsibility for Sustainable Finance
E.2 Pengembangan Kompetensi Terkait Keuangan Berkelanjutan
66
Sustainable Finance Competency Development
E.3 Penilaian Risiko Atas Penerapan Keuangan Berkelanjutan
69
Sustainable Finance Risk Assessment Implementation
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No. Indeks Nama Indeks Halaman
Index No. Index Name Page
E.4 Hubungan dengan Pemangku Kepentingan
73
Stakeholders Relations
E.5 Permasalahan Terhadap Penerapan Keuangan Berkelanjutan
76
Sustainable Finance Implementation Problems
Kinerja Keberlanjutan
Sustainable Performance
F.1 Kegiatan Membangun Budaya Keberlanjutan
40, 110, 120
The Activities of Building a Culture of Sustainability
Kinerja Ekonomi
Economic Performance
F.2 Perbandingan Target dan Kinerja Produksi, Portofolio, Target Pembiayaan, atau Investasi, Pendapatan dan Laba
Rugi
79
Comparison of Production Targets and Performance, Portfolio, Financial Targets, or Investment, Revenue and
Profit
F.3 Perbandingan Target dan Kinerja Portofolio, Target Pembiayaan, atau Investasi pada Instrumen Keuangan atau
Proyek yang Sejalan dengan Keuangan Berkelanjutan
83
Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Financial Instruments or
Projects in Line With the Implementation of Sustainable Finance
Kinerja Lingkungan Hidup
Environmental Performance
F.4 Biaya Lingkungan Hidup
94
Environment Cost Incurred
Aspek Material
Material Aspect
F.5 Penggunaan Material yang Ramah Lingkungan
88
Use of Environmentally Friendly Materials
Aspek Energi
Energy Aspect
F.6 Jumlah dan Intensitas Energi yang Digunakan
89
The Amount and Intensity of Energy Used
F.7 Upaya dan Pencapaian Efisiensi Energi dan Penggunaan Energi Terbarukan
89
Efforts and Achievement of Energy Efficiency Including Use of Renewable Energy Sources
Aspek Air
Water Aspect
F.8 Penggunaan Air
92
Water Used
Aspek Keanekaragaman Hayati
Biodiversity Aspect
F.9 Dampak dari Wilayah Operasional yang Dekat atau Berada di Daerah Konservasi atau Memiliki Keanekaragaman
Hayati 94
Impacts from Operational Areas Close to or in Conservation Areas or Having Biodiversity
F.10 Usaha Konservasi Keanekaragaman Hayati
94
Biodiversity Conservation Efforts
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No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Aspek Emisi
Emission Aspect
F.11 Jumlah dan Intensitas Emisi yang Dihasilkan Berdasarkan Jenisnya
91
The Amount and Intensity of Emissions Produced by Type
F.12 Upaya dan Pencapaian Pengurangan Emisi yang Dilakukan
89
Efforts and Achievement Emission Reduction Carried Out
Aspek Limbah dan Efluen
Waste and Effluent Aspect
F.13 Jumlah Limbah dan Efluen yang Dihasilkan Berdasarkan Jenis
93
The Amount of Waste and Effluent Produced by Type
F.14 Mekanisme Pengelolaan Limbah dan Efluen
93
Mechanism of Waste and Effluent Management
F.15 Tumpahan yang Terjadi (jika ada)
94
Spills that Occur (if any)
Aspek Pengaduan Terkait Lingkungan Hidup
Environmental Complaint Aspect
F.16 Jumlah dan Materi Pengaduan Lingkungan Hidup yang Diterima dan Diselesaikan
94
The Amount and Material of Environmental Complaints Received and Resolved
Kinerja Sosial
Social Aspect
F.17 Komitmen untuk Memberikan Layanan atas Produk dan/atau Jasa yang Setara kepada Konsumen
123
Commitment to Provide Services for Equivalent Products and/or Services to Consumers
Aspek Ketenagakerjaan
Employment Aspect
F.18 Kesetaraan Kesempatan Bekerja
96
Equality of Employment Opportunities
F.19 Tenaga Kerja Anak dan Tenaga Kerja Paksa
97
Child Labor and Forced Labor
F.20 Upah Minimum Regional
101
The Regional Minimum Wage
F.21 Lingkungan Bekerja yang Layak dan Aman
106
Decent and Safe Working Environment
F.22 Pelatihan dan Pengembangan Kemampuan Pegawai
105, 106
Training and Capacity Building of Employees
Aspek Masyarakat
Society Aspect
F.23 Dampak Operasi Terhadap Masyarakat Sekitar Operational
85
Impacts to the Surrounding Community
F.24 Pengaduan Masyarakat
112
Public Complaints
F.25 Kegiatan Tanggung Jawab Sosial Lingkungan (TJSL)
113
Environmental and Social Responsibility Activities
Tanggung Jawab Pengembangan Produk/Jasa Berkelanjutan
Responsibilities for Developing Sustainable Products/Services
F.26 Inovasi dan Pengembangan Produk/Jasa Keuangan Berkelanjutan
125
Innovation and Development of Sustainable Financial Products and/or Services
F.27 Produk/Jasa yang Sudah Dievaluasi Keamanannya bagi Pelanggan
126
Products/Services that have been Evaluated for Safety for Customers
F.28 Dampak Produk/Jasa
123
Products/Service Impacts
F.29 Jumlah Produk yang Ditarik Kembali
127
Number of Products Recalled
F.30 Survei Kepuasan Pelanggan Terhadap Produk dan/atau Jasa Keuangan Berkelanjutan
127
Customer Satisfaction Survey of Sustainable Finance and/or Services
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No. Indeks Nama Indeks Halaman
Index No. Index Name Page
Lain-lain
Others
G.1 Verifikasi Tertulis dari Pihak Independen (jika ada)
7
Written Verification from an Independent Party (if any)
G.2 Lembar Umpan Balik
128
Feedback Form
G.3 Tanggapan Terhadap Umpan Balik Laporan Keberlanjutan Tahun Sebelumnya
7
Feedback on Previous Year’s Sustainability Report
G.4 Daftar Pengungkapan Sesuai Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan Publik
129
Disclosure List Based on POJK No.51/POJK.03/2017 regarding the Implementation of Sustainable Finance for
Financial Services Institutions, Listed Companies and Public Companies
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Transformation towards a Stronger Sustainable and Inclusive Growth
Indeks Konten GRI Standard 2021
GRI Standard Content Index 2021
PT Bank KB Indonesia Tbk melaporkan PT Bank KB Indonesia Tbk reports the
informasi yang dikutip dalam indeks konten information cited in this GRI content index
Pernyataan penggunaan
GRI ini untuk periode 1 Januari 2025-31 for the period January 1, 2025-December 31,
Pernyataan penggunaan
Desember 2025 sesuai dengan Standar GRI 2025 in accordance with the GRI Standards.
(in accordance with the GRI Standards).
GRI 1 GRI 1: Landasan 2021 GRI 1: Foundation 2021
GRI Sektor Standards -
GRI Sector Standards
Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
GRI 2-1 Detail Organisasi 36, 46, 48,
Pengungkapan Organization Details 49
Umum 2021
GRI General 2-2 Entitas yang tercakup dalam pelaporan keberlanjutan
Disclosure 2021 organisasi
6
Entities covered by the organization's sustainability
reporting
2-3 Periode pelaporan, frekuensi dan titik kontak
6, 7
Reporting period, frequency, and points of contact
2-4 Pernyataan ulang informasi
7
Restatement of information
2-5 Penjaminan eksternal
7
External assurance
2-6 Kegiatan, rantai nilai, dan hubungan bisnis lainnya
Activities, value chains, and other business 36, 43, 53
relationships
2-7 Karyawan
50
Employee
2-8 Pekerja yang Bukan Pekerja Langsung
53
Workers who are not direct workers
2-9 Struktur dan komposisi tata kelola
60
Governance structure and composition
2-10 Nominasi dan seleksi untuk badan tata kelola tertinggi
Nomination and selection for the highest governance 62
body
2-11 Pejabat tata kelola tertinggi
60, 61
Chief governance officer
2-12 Peran pejabat tata kelola tertinggi dalam memantau
dampak manajemen
62, 66
The role of the highest governance officer in
monitoring the impact of management
2-13 Pendelegasian tanggung jawab untuk mengelola
dampak 66
Delegation of responsibility for managing impacts
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Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
GRI 2-14 Peran badan tata kelola tertinggi dalam pelaporan
Pengungkapan keberlanjutan
62
Umum 2021 The role of the highest governance body in
GRI General sustainability reporting
Disclosure 2021
2-15 Konflik kepentingan
70
Conflict of interest
2-16 Komunikasi masalah penting
70
Critical concern communication
2-17 Pengetahuan kolektif badan tata kelola tertinggi
66
Collective knowledge of the highest governance body
2-18 Evaluasi kinerja badan tata kelola tertinggi
Evaluation of the highest governance body 65
performance
2-19 Kebijakan remunerasi
63
Remuneration Policy
2-20 Proses penentuan remunerasi
63
Remuneration determination process
2-21 Rasio kompensasi total tahunan
65
Annual total compensation ratio
2-22 Pernyataan tentang strategi pembangunan
berkelanjutan 24
Statement on sustainable development strategy
2-23 Komitmen kebijakan
17, 69
Policy commitment
2-24 Komitmen dalam menanamkan kebijakan
19
Commitment to implementing policies
2-25 Proses untuk memulihkan dampak negatif
69
The process of recovering from negative impacts
2-26 Mekanisme untuk mencari nasihat dan menyampaikan
kekhawatiran 71
Mechanisms for seeking advice and raising concerns
2-27 Kepatuhan terhadap hukum dan peraturan
94
Compliance with laws and regulations
2-28 Keanggotaan asosiasi
56
Association membership
2-29 Pendekatan terhadap keterlibatan pemangku
kepentingan 73
Approaches to stakeholder engagement
2-30 Perjanjian perundingan kolektif
36
Collective bargaining agreement
GRI 3: Topik 3-1 Proses untuk menentukan topik material
9
Material 2021 The process of determining material topics
GRI 3: Material
Topics 2021 3-2 Daftar topik material
10
List of material topics
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Transformation towards a Stronger Sustainable and Inclusive Growth
Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
Pengungkapan Standar Khusus
Specific Standard Disclosures
Topik Ekonomi
Economic Topics
Kinerja Ekonomi
Economic Performance
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
81, 84, 85
GRI 3: Material
Topics 2021
GRI 201: Kinerja 201-1 Nilai ekonomi langsung yang dihasilkan dan
Ekonomi 2016 didistribusikan 81
GRI 201: Economic Direct economic value generated and distributed
Performance 2016
201-2 Implikasi finansial serta risiko dan peluang lain akibat
dari perubahan iklim
84
Financial implications and other risks and opportunities
resulting from climate change
201-3 Kewajiban program pensiun manfaat pasti dan
program pensiun lainnya
84
Defined benefit pension plan obligations and other
pension plans
201-4 Bantuan finansial yang diterima dari pemerintah
85
Financial assistance received from the government
Keberadaan Pasar
Market Existence
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
101
GRI 3: Material
Topics 2021
GRI 202: 202-1 Rasio standar upah karyawan entry-level berdasarkan
Keberadaan jenis kelamin terhadap upah minimum regional
101
Pasar 2016 Ratio of entry-level employee standard wages by
GRI 202: Market gender to regional minimum wages
Presence 2016
202-2 Proporsi manajemen senior yang berasal dari
masyarakat lokal
62, 63
Proportion of senior management hired from the local
community
Dampak Ekonomi Tidak Langsung
Indirect Economic Impact
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
GRI 3: Material 111
Topics 2021
GRI 203: Dampak 203-1 Investasi infrastruktur dan dukungan layanan
85, 113
Ekonomi Tidak Infrastructure investment and service support
Langsung
GRI 203: Indirect 203-2 Dampak ekonomi tidak langsung yang signifikan
Significant indirect economic impact 85
Economic Impacts
Praktik Pengadaan
Procurement Practices
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
54
GRI 3: Material
Topics 2021
GRI 204: Praktik 204-1 Proporsi pengeluaran untuk pemasok lokal
Pengadaan 2016 Proportion of spending on local suppliers
GRI 204: 54
Procurement
Practices 2016
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Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
Antikorupsi
Procurement Practices
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
72
GRI 3: Material
Topics 2021
GRI 205: 205-1 Operasi-operasi yang dinilai memiliki risiko terkait
Antikorupsi 2016 korupsi 71
GRI 205: Operations deemed to have risks related to corruption
Anti- corruption
2016 205-2 Komunikasi dan pelatihan tentang kebijakan dan
prosedur anti-korupsi
72
Communication and training on anti-corruption
policies and procedures
205-3 Insiden korupsi yang terbukti dan tindakan yang
diambil 73
Proven corruption incidents and actions taken
Topik Lingkungan
Environmental Topic
Energi
Energy
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
89
GRI 3: Material
Topics 2021
GRI 302: 302-1 Konsumsi energi dalam organisasi
89
Energi 2016 Energy consumption in organizations
GRI 302:
Energy 2016 302-2 Konsumsi energi di luar organisasi
90
Energy consumption outside the organization
302-3 Intensitas energi
89
Energy intensity
302-4 Pengurangan konsumsi energi
90
Reduction of energy consumption
302-5 Pengurangan pada energi yang dibutuhkan untuk
produk dan jasa.
90
Reduction in the energy required for products and
services.
Air dan Efluen
Water and Effluent
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
92
GRI 3: Material
Topics 2021
GRI 303: Air dan 303-1 Interaksi dengan air sebagai sumber daya bersama
92
Efluen 2018 Interaction with water as a shared resource
GRI 303: Water and
Effluents 2018 303-2 Manajemen dampak yang berkaitan dengan
pembuangan air 92
Impact management related to water discharge
303-3 Pengambilan air
92
Water intake
303-4 Pembuangan air
93
Water disposal
303-5 Konsumsi air
93
Water consumption
Laporan Keberlanjutan 2025 Sustainability Report 136
PT Bank KB Indonesia Tbk
Page 140
Transformation towards a Stronger Sustainable and Inclusive Growth
Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
Emisi
Emission
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
90
GRI 3: Material
Topics 2021
GRI 302: 305-1 Emisi GRK (Cakupan 1) langsung
91
Energi 2016 Direct GHG emissions (Scope 1)
GRI 302:
Energy 2016 305-2 Emisi energi GRK (Cakupan 2) tidak langsung
91
Indirect GHG (Scope 2) energy emissions
305-3 Emisi GRK (Cakupan 3) tidak langsung lainnya
90
Other indirect GHG emissions (Scope 3)
305-4 Intensitas emisi GRK
91
GHG emission intensity
305-5 Pengurangan emisi GRK
90
Reduction of GHG emissions
305-6 Emisi zat perusak ozon (ODS)
91
Ozone depleting substances (ODS) emissions
305-7 Nitrogen oksida (NOX), sulfur oksida (SOX), dan emisi
udara signifikan lainnya
92
Nitrogen oxides (NOX), sulfur oxides (SOX), and other
significant air emissions
Topik Sosial
Social Topics
Kepegawaian
Employment
GRI 3: Topik 3-3 Manajemen topik material
Material 2021 Material topic management
95
GRI 3: Material
Topics 2021
GRI 401: 401-1 Perekrutan karyawan baru dan pergantian karyawan 98, 99, 100,
Kepegawaian 2016 New employee recruitment and employee turnover 101
GRI 401:
Employment 2016 401-2 Tunjangan yang diberikan kepada karyawan
purnawaktu yang tidak diberikan kepada karyawan
sementara atau paruh waktu 103
Benefits provided to full-time employees that are not
provided to temporary or part-time employees
401-3 Cuti melahirkan
104
Maternity leave
Kesehatan dan Keselamatan Kerja
Occupational Health and Safety
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
106
GRI 3: Material
Topics 2021
GRI 403: 403-1 Sistem manajemen keselamatan dan kesehatan kerja
106
Kesehatan Occupational health and safety management system
dan Keselamatan
Kerja 2018 403-2 Identifikasi bahaya, penilaian risiko, dan investigasi
GRI 403: insiden
106, 107
Occupational Hazard identification, risk assessment and incident
Health and investigation
Safety 2018 403-3 Layanan kesehatan kerja
108
Occupational health services
403-4 Partisipasi, konsultasi, dan komunikasi pekerja tentang
keselamatan dan kesehatan kerja
107
Worker participation, consultation and communication
on occupational safety and health
137 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Page 141
Pengecualian
Exception
Standard GRI Pengungkapan Hlm.
Persyaratan yang
GRI Standards Disclosure Page Dikecualikan Alasan Penjelasan
Requirements Reason Explanation
Excluded
GRI 403: 403-5 Pelatihan bagi pekerja mengenai keselamatan dan
Kesehatan kesehatan kerja 109
dan Keselamatan Training for workers on occupational safety and health
Kerja 2018
GRI 403: 403-6 Peningkatan kualitas kesehatan pekerja
108
Occupational Improving the quality of workers’ health
Health and 403-7 Pencegahan dan mitigasi dampak dari keselamatan
Safety 2018 dan kesehatan kerja yang secara langsung terkait
hubungan bisnis
108, 109
Prevention and mitigation of the impacts of
occupational safety and health that are directly
related to business relationships
403-8 Pekerja yang tercakup dalam sistem manajemen
keselamatan dan kesehatan kerja
106, 108
Workers covered by the occupational health and
safety management system
403-9 Kecelakaan kerja
106
Work accident
403-10 Penyakit akibat kerja
106
Occupational disease
Pelatihan dan Pendidikan
Training and Education
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
104
GRI 3: Material
Topics 2021
GRI 404: 404-1 Rata-rata jam pelatihan per tahun per karyawan
105
Pelatihan dan Average training hours per year per employee
Pendidikan 2016
GRI 404: 404-2 Program untuk meningkatkan keterampilan karyawan
Training and dan program bantuan peralihan
104
Education 2016 Programs to improve employee skills and transition
assistance program
404-3 Persentase karyawan yang menerima tinjauan rutin
terhadap kinerja dan pengembangan karier
106
Percentage of employees who receive regular reviews
of performance and career development
Keanekaragaman dan Kesempatan Setara
Diversity and Equal Opportunity
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
101
GRI 3: Material
Topics 2021
GRI 405: 405-1 Keanekaragaman badan tata kelola dan karyawan
62, 63
Keanekaragaman Diversity of governance bodies and employees
dan Kesempatan
Setara 2016 405-2 Rasio gaji pokok dan remunerasi perempuan
GRI 405: Diversity dibandingkan laki-laki
Ratio of basic salary and remuneration of women 103
and Equal
Opportunity 2016 compared to men
Privasi Pelanggan
Customer Privacy
GRI 3: Topik 3-3 Pengelolaan topik material
Material 2021 Material topic management
123
GRI 3: Material
Topics 2021
GRI 418: Privasi 418-1 Pengaduan yang berdasar mengenai pelanggaran
Pelanggan 2016 terhadap privasi pelanggan dan hilangnya data
GRI 418: Customer pelanggan 125
Privacy 2016 Substantiated complaints regarding violation of
customer privacy and loss of customer data
Laporan Keberlanjutan 2025 Sustainability Report 138
PT Bank KB Indonesia Tbk
Page 142
Transformation towards a Stronger Sustainable and Inclusive Growth
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139 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Page 143
Halaman ini sengaja dikosongkan
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Laporan Keberlanjutan 2025 Sustainability Report 140
PT Bank KB Indonesia Tbk
Page 144
Transformation towards a Stronger Sustainable and Inclusive Growth
20 Laporan Keberlanjutan
25 Sustainability Report
Transformation towards
a Stronger Sustainable
and Inclusive Growth
PT Bank KB Indonesia Tbk
Kantor Pusat
Gedung KB Bank
Jl. M.T. Haryono Kav. 50-51 Jakarta Selatan 12770
(021) 798 8266, 798 9837
141 Laporan Keberlanjutan 2025 Sustainability Report
PT Bank KB Indonesia Tbk
Names mentioned 103 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Financial Services Authority
p.9 ×7
unresolved
org
Bank Untuk Negeri KB Bank For The Nation
p.21
unresolved
org
Bank Care
p.21 ×3
unresolved
org
Pusat Statistik
p.28
unresolved
org
Bank KB Bank
p.28 ×4
unresolved
org
Bank Goes
p.28 ×10
unresolved
org
Bank Empower MSME
p.28 ×3
unresolved
org
Bank Empower KB Bank Goes
p.28
unresolved
org
PT Etiga
p.30
unresolved
org
PT DAT Mobility
p.30
unresolved
org
PT Etiga Mobility Indonesia
p.30 ×3
unresolved
org
PT DAT Systems
p.30
unresolved
org
PT PLN (Persero)
p.30 ×4
unresolved
org
Bank Empower
p.31 ×2
unresolved
org
PT Bank KB
p.34 ×4
unresolved
org
Indonesia Tbk
p.34 ×3
unresolved
org
Bank Umum Koperasi Indonesia
p.38
unresolved
org
Direktorat Jenderal Koperasi
p.38 ×2
unresolved
org
Koperasi
p.38 ×5
unresolved
org
Menteri Hukum RI
p.38
unresolved
org
Minister of Law
p.38
unresolved
org
Indonesia Stock Exchange
p.39
unresolved
org
PT KB Bukopin Finance
p.39 ×3
unresolved
org
PT Bank KB Bukopin Syariah
p.39
unresolved
org
Bank KB Bank ATM Bersama
p.39
unresolved
org
Bank ATM
p.39
unresolved
org
Bank Hukum Terbatas Tertutup Koperasi Indonesia
p.40
unresolved
person
Notary Muhani Salim
p.40
unresolved
org
Bank Bukopin Tbk
p.40 ×10
unresolved
org
Menteri
p.40
unresolved
org
PT Bank KB Ratified
p.40
unresolved
org
Bukopin Tbk
p.40
unresolved
org
Minister of Law of RI
p.40
unresolved
org
Limited Liability Company Bank Bukopin Tbk
p.40
unresolved
org
Bank KB Bank’s
p.41
unresolved
org
Channeling & Partners
p.44
unresolved
org
Riko Nanda Yudhistira NST Edy Siswanto Channeling & Partners
p.44
unresolved
org
Bank Valas
p.47 ×3
unresolved
org
Bank Savings Account
p.47
unresolved
org
Bank Cooperative Savings Account
p.47
unresolved
org
Bank Planned Savings Account
p.47
unresolved
org
Bank Business Savings Account
p.47
unresolved
org
Bank Premium
p.47
unresolved
org
Bank Premium Savings Account
p.47
unresolved
org
Bank Foreign Currency Savings Account
p.47
unresolved
org
Bank Pensiunan
p.47
unresolved
org
Bank Pensioner Savings Account
p.47
unresolved
org
Bank Rupiah Time Deposit
p.47
unresolved
org
Bank Foreign Currency Time Deposit
p.47
unresolved
org
Bank Perkreditan Rakyat
p.47
unresolved
org
KPEI
p.47 ×2
unresolved
org
Bank Priority
p.48
unresolved
org
KB Financial Group Inc.
p.51
unresolved
org
Star Holding Inc.
p.51 ×2
unresolved
org
Bank Syariah Finance
p.51
unresolved
org
KB Kookmin Bank
p.51
unresolved
org
Koperasi Cooperatives
p.52
unresolved
—
Cooperatives
p.52
unresolved
org
Yayasan Foundation
p.52
unresolved
org
Dana Pensiun Pension Fund
p.52
unresolved
org
Pension Fund
p.52
unresolved
org
Mutual Funds
p.52
unresolved
—
Subtotal
p.52 ×2
unresolved
org
Foreign Business Entity
p.52
unresolved
org
PT Artajasa Pembayaran Elektronis
p.58
unresolved
org
Deposit Insurance Corporation
p.59
unresolved
person
Forum Komunikasi
· Direktur
p.59
unresolved
person
Competency
· Direktur Utama
p.69
unresolved
person
Deputy
· Komisaris
p.69
unresolved
person
FGD Mortgage Business
· Direktur
p.70
unresolved
person
Workshop Committee
· Direktur
p.70
unresolved
person
Batam
· Direktur
p.70 ×2
unresolved
person
Jerry Marmen Webinar ESG-Inovasi Produk
p.70 ×4
unresolved
org
Bank Office Communication
p.75 ×2
unresolved
org
KB Indonesia Tbk
p.76
unresolved
—
Partners/Suppliers
p.77 ×2
unresolved
—
Labor Union
p.78
unresolved
org
Bank Targets
p.82
unresolved
org
Bank Perkuat Transisi Energi Hijau Indonesia
p.86
unresolved
org
Bank Strengthens Indonesia’s Green Energy Dorong Pertumbuhan Industri
p.86
unresolved
org
PT DAT
p.86
unresolved
org
PT DAT Mobility Systems
p.86
unresolved
org
PT Pasar Dana Pinjaman
p.86 ×2
unresolved
org
Ministry of Energy
p.94
unresolved
org
Kementerian ESDM
p.94
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Nothing structured was extracted from this document — the attempts below say why.
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