Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environment
• Social
• Governance

Environmental Achievements

• Reduced total GHG emissions by 4.69%
• Reduced electrical consumption by 5.3%
• Reduced water consumption by 32.8%
• Achieved 37% BEAS score average at 12 GEMS Buildings
• 100% environmental reporting to the government for 10 GEMS buildings

Social Achievements

• Disbursed nearly Rp2 billion in CSR funds, focusing on education and financial literacy.
• Implemented PermataHati program with three pillars: Human Development, Facility Enhancement, and Community Empowerment.
• Launched Permata Student Entrepreneurship Program (PSEP).
• Conducted Guruku Permataku teacher training program.
• Implemented Financial Literacy Through Sports (FITS) program.
• Launched Banking Journalist Academy (BJA) and Permata Photojournalist Grant (PPG) programs.

Governance Achievements

• Implemented a comprehensive HSE policy.
• Established a Risk Management Framework (RMF).
• Implemented a Code of Conduct.
• Established a Speak Up channel for reporting fraud.
• Maintained a Capital Adequacy Ratio (CAR) of 13.6%.

Climate Goals & Targets

Environmental Challenges

• Slowdown in global and Indonesian economic growth.
• Increased competition in the banking industry.
• Tightening liquidity in the banking industry.
• Risk of rising non-performing loans.
• Need to improve financial literacy among the Indonesian population.

Mitigation Strategies

• Implemented a strategy to achieve sustainable growth.
• Focused on core business elements: capitalization, distribution network, products and services, customers, and human resources.
• Implemented strict criteria for determining banking products.
• Focused on increasing productive lending to SMEs.
• Implemented initiatives to improve customer satisfaction and convenience.

Supply Chain Management

Responsible Procurement

• Procurement Management Framework
• Procurement Code of Conduct
• Procurement Policy

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: GRI-G4

Third-party Assurance: Internal verification only

Sustainable Products & Innovation

• Permata e-Form
• PermataMobile
• PermataNet
• PermataMobile Cash

Awards & Recognition

• The Best Sharia Business Unit 2014
• Best in Marketing Campaign
• Service Company of the Year
• Best Corporate Governance
• Anugerah Peduli Pendidikan
• Straight thru Processing Award
• Sangat Bagus for financial performance
• Trusted Company
• 13 awards in Banking Service Excellence Awards 2014
• 1st rank in Anugerah Perusahaan Tbk Indonesia 2014
• Citibank Performance Excellence Award
• 1st Best Overall Performance Award
• 19 AsiaMoney Awards
• Several awards at Karim Awards
• Several awards from the Minister of Labor and Transmigration for “Zero Accident”

Environmental Metrics

ESG Focus Areas

• Economic Growth
• Social Development
• Environmental Sustainability
• Governance

Environmental Achievements

• Reduced Greenhouse Gas emission intensity by 7.79%
• Reduced energy intensity by 4.10%
• Reduced water usage intensity by 4.02%
• Achieved 46% score on Building Environmental Assessment Standard (BEAS)

Social Achievements

• Implemented PermataHati program with three pillars (Education, Enhancement, Empowerment), benefiting 77,533 individuals
• 58% of employees are women, with 51% in managerial positions
• Employs 26 people with disabilities

Governance Achievements

• Implemented Good Corporate Governance (GCG) principles
• Received Top 50 Public Companies based on the ASEAN CG Scorecard award
• Established a Speak-Up mechanism for reporting violations

Climate Goals & Targets

Environmental Challenges

• Maintaining credit quality while increasing loan disbursements
• Competition from fintech companies
• Global and national economic conditions
• Low market demand for sustainable finance products
• Need for coordination with government agencies for sustainable finance product development

Mitigation Strategies

• Implementing business strategies to increase revenue, reduce costs, and control risks
• Developing sustainable finance products and services
• Increasing internal dissemination on sustainability values and principles
• Collaborating with microfinance institutions and P2P lending fintech

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Procurement & Vendor Management Policy

Climate-Related Risks & Opportunities

Physical Risks

• Natural disasters

Transition Risks

• Climate change

Opportunities

• Development of energy-efficient products and services

Reporting Standards

Frameworks Used: GRI Standards (Core), OJK Regulation Number 51/POJK.03/2017

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• SDG 4: Quality Education
• SDG 5: Gender Equality
• SDG 8: Decent Work and Economic Growth
• SDG 9: Industry, Innovation, and Infrastructure
• SDG 10: Reduced Inequalities
• SDG 13: Climate Action

PermataBank contributes to these goals through its financial products and services, CSR activities, and operational practices.

Sustainable Products & Innovation

• PermataMobile X
• Permata iB Hajj Savings
• One-Stop Hajj Services

Awards & Recognition

• Top 50 Public Companies based on the ASEAN CG Scorecard
• The Best Frictionless Internet Banking Initiative, Application or Programme (The Asian Banker)
• Various awards for banking service excellence, complaint handling, and product performance

Environmental Metrics

ESG Focus Areas

• Sustainable Economic Growth
• Governance and Risk Management
• Environmental Management and Climate Change
• Community Development
• Occupational Health and Safety
• Product security, customer privacy and cybercrime
• Financial Literacy
• Employee Training and Engagement
• Fraud Management

Environmental Achievements

• Reduced energy consumption by 1% compared to the previous year.
• Reduced paper consumption by 23% compared to the previous year.
• Reduced emissions by 2.35% compared to the previous year.

Social Achievements

• Achieved zero work accidents.
• Disbursed Rp4.3 billion for PermataHati CSR programs, benefiting 7,099 recipients.
• Disbursed Rp1.6 billion in scholarships to 627 recipients.
• 49% of manager positions and above are filled by women.
• Employee engagement score of 82%.

Governance Achievements

• Implemented a comprehensive ESG study.
• Good Corporate Governance (GCG) self-assessment score of 2 (very good).
• Implemented a whistleblowing system (Speak Up).

Climate Goals & Targets

Environmental Challenges

• Information security risks due to the growing volume of digital transactions.
• Uneven understanding of sustainable finance principles among employees and customers.
• Internal capacity building in understanding environmental documents and climate risks linked to credit requirements.

Mitigation Strategies

• Developing an information security risk management framework.
• Increasing socialization of sustainable finance and ESG principles through programs and workshops.
• Consistent implementation of ESRA (Environment and Social Requirement Assessment) in assessing credit proposals.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Development of green financial products

Reporting Standards

Frameworks Used: GRI Standards 2021

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Goal 1 (No Poverty)
• Goal 4 (Quality Education)
• Goal 5 (Gender Equality)
• Goal 8 (Decent Work and Economic Growth)
• Goal 9 (Industry, Innovation, and Infrastructure)
• Goal 10 (Reduced Inequalities)

PermataHati CSR programs contribute to these SDGs through financial literacy education, empowerment initiatives, and community development projects.

Sustainable Products & Innovation

• Green financing products, digital banking services

Awards & Recognition

• Third Best Bank for Most Active Bank category in Submission of Money Clarification Reports Doubtful Authenticity (Bank Indonesia)
• Appreciation for support of money fit for circulation (ULE) (Bank Indonesia)
• Best Equitable Treatment of Shareholders (IICD Corporate Governance Conference and Award 2022)
• Collecting Agent Performance (CAP) Awards - Award Category Gold (Ministry of Finance)
• Second Best Bank for Best Money Processing (Bank Indonesia Denpasar)
• STP Award EUR Clearing Payment (SCB Frankfurt)
• Second Best Bank for Bank with the Best Exchange Optimization (Bank Indonesia)
• The Best Operational Services (ATM Bersama Award 2022)

Environmental Metrics

ESG Focus Areas

• Sustainable Finance
• Empowering the Community
• Environmental Preservation
• Sustainability Governance

Environmental Achievements

• Reduced paper usage by 2.08%
• Reduced water consumption by 4.87%

Social Achievements

• Implemented various activities such as Women’s Talk, Women’s Mentoring, as well as social and environmental responsibility initiatives involving the community.
• Disbursement of SME loans increased from IDR4.05 trillion to IDR4.3 trillion.
• Zero fatalities in all operational areas in 2023.
• PermataHati program reached IDR3.45 billion through various activities.
• Employee Volunteers raised IDR 800 million for the Poin Senyum Scholarship, distributed to 742 beneficiaries.

Governance Achievements

• Established the Sustainability Unit and Sustainability Committee in 2023.
• Received a score of ‘2’ in the GCG self-assessment for the second semester of 2023.

Climate Goals & Targets

Environmental Challenges

• Energy transition
• Cyber security and customer data protection
• Risk and crisis management
• Financial inclusion and literacy

Mitigation Strategies

• Supporting energy transition efforts through collaborations with customers.
• Developed a sustainable financing policy and continued to develop risk management for climate change.
• Implemented an information security risk framework in accordance with ISO 27001.
• Ensuring adequate infrastructure to prevent risks to customer data security.
• Advancing digitalization of financial products and services to reach more customers.
• Implementing financial literacy and community empowerment programs through Social and Environmental Responsibility (TJSL).

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Growth in sustainable business activities

Reporting Standards

Frameworks Used: GRI Standards 2021, POJK-51/2017, SEOJK-16/2021

Certifications: ISO 27001:2013, ISO 37001:2016

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Goal 1: No Poverty
• Goal 4: Quality Education
• Goal 5: Gender Equality
• Goal 8: Decent Work and Economic Growth
• Goal 9: Industry, Innovation, and Infrastructure
• Goal 10: Reduced Inequalities

PermataHati program contributes to these goals through various initiatives.

Sustainable Products & Innovation

• PermataMobile X
• PermataNet
• PermataQR

Awards & Recognition

• Stevie Awards 2023
• Corporate Sustainability Initiatives Award 2023
• Special Appreciation Award by Ministry of Social Affairs