Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance
• Economic Performance
• Sustainable Finance

Environmental Achievements

• Implementation of MAYAPADA GO GREEN program focusing on environmental awareness and reducing the negative impacts of global warming.
• Tree planting and fish seed spreading activities in Ciliwung area.
• Energy savings through replacing conventional lamps with LED lamps; Use of teleconferencing devices to limit business trips; Saving the use of lights, air conditioners, and reducing plastic waste.

Social Achievements

• 2,922 employees received training with a total of 4,432 hours of training.
• 100% of customer complaints were resolved.
• Rp 13.85 billion realized for social responsibility activities (CSR).

Governance Achievements

• Implementation of a Sustainable Financial Action Plan (SFAP).
• Establishment of the Fraud Banking Investigation (FBI) Division.
• Implementation of a fraud control system with four pillars: Prevention, Detection, Investigation, Reporting and Sanctions, and Monitoring, Evaluation, and Follow-up.

Climate Goals & Targets

Environmental Challenges

• Lack of awareness to change mindsets and behaviors in line with sustainable finance principles.
• Need for continuous coordination among departments for policy adjustments and mapping of financing activities.
• Challenges in identifying and classifying all lending/financing in the Sustainable Business Activities Category (KKUB).
• Lack of common perception among stakeholders regarding sustainable finance concepts, principles, rules, and implementation.

Mitigation Strategies

• Conducting sustainable finance training for all leaders at the Head Office, including Directors and Commissioners.
• Adjusting financing policies to support debtors in conducting their business in accordance with ESG concepts.
• Gradually managing prospective and new debtors to map business types included in KKUB.
• Continuous training and education to address the lack of common perception among stakeholders.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Management of work contracts, vendor selection, procurement management for goods and services, procurement systems, logistics, and compliance.

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: GRI, POJK No. 51/POJK.03/2017

Certifications: ISO 9001:2015

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Economic
• Social
• Environmental
• Governance

Environmental Achievements

• Reduction in A4 paper use in Head Office by 22%
• Reduction in fuel use in Head Office by 44%

Social Achievements

• No employee layoffs (PHK) despite the pandemic.
• 1,718 employees received competency development training (1,814 total hours).
• 100% customer complaint resolution.

Governance Achievements

• Established Fraud Banking Investigation (FBI) division to control fraud.
• Implemented a whistleblowing system (WBS).

Climate Goals & Targets

Environmental Challenges

• Significant economic recession due to the COVID-19 pandemic.
• Increase in non-performing loans (NPL).
• Changes in consumer behavior impacting banking operations.
• Lack of a comprehensive written policy for internal sustainability culture.
• Challenges in achieving common perception of sustainable finance among stakeholders.

Mitigation Strategies

• Reinforced core capital and allowance for impairment losses (CKPN).
• Maximized digital banking capabilities.
• Implemented strict health protocols to protect employees and stakeholders.
• Provided credit restructuring opportunities for debtors.
• Gradual implementation of sustainable finance principles.
• Continuous training and education on sustainable finance.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Vendor selection
• Contract management
• Goods and services procurement management
• Procurement system
• Logistics
• Compliance

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: POJK No. 51/POJK.03/2017, GRI (partially), GRI Financial Sector (FS) Supplement Disclosures

Certifications: ISO 9001:2008

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

The report mentions alignment with Sustainable Development Goals (SDGs) but doesn't specify which goals.

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Economic Performance
• Social Performance
• Environmental Performance
• Governance

Environmental Achievements

• Reduction in electricity use in head office by 15.55%
• Reduction in paper use in head office by 39.30%

Social Achievements

• No layoffs during 2021 despite the pandemic.
• 5,607 employees received training with a total of 2,099 training hours.
• Rp12.2 billion realized for aid distribution to the community.

Governance Achievements

• Implementation of anti-corruption policies and procedures (Decree Number 157/SK/DIR/XII/2021).
• 100% resolution of customer complaints.

Climate Goals & Targets

Environmental Challenges

• Lack of common perception among stakeholders regarding sustainable finance.
• Motivating implementation of environmentally friendly business activities.
• External factors like government regulations and global economic conditions.
• Human capital readiness for sustainable finance implementation.

Mitigation Strategies

• Continuous training and education on sustainable finance.
• Gradual implementation of sustainable finance through transformation initiatives.
• Collaboration with Boston Consulting Group for transformation.
• Establishment of a Sustainable Finance Team.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Selection of accountable vendors with good quality and reputation.

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: POJK No. 51/POJK.03/2017, GRI Standard 2020, GRI version 4.0 (G4)

Certifications: ISO 9001:2008

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

The report mentions alignment with the Sustainable Development Goals (SDGs) but doesn't specify which goals.

Sustainable Products & Innovation

• Digital banking services.

Awards & Recognition

• Not disclosed

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Reduction in fuel use in Head Office by 1.95%
• Implementation of paperless system reducing paper consumption

Social Achievements

• 9,214 employees received training with a total of 4,535 training hours in a year
• 100% of customer complaints resolved

Governance Achievements

• Implementation of anti-corruption policies and procedures
• Establishment of a Security Operation Center (SOC) to mitigate cyber-crime and fraud

Climate Goals & Targets

Environmental Challenges

• Lack of common perception among stakeholders regarding sustainable finance
• Lack of motivation in implementation of sustainable finance
• External factors potentially affecting implementation of sustainable finance

Mitigation Strategies

• Offering ongoing training and education to all stakeholders
• Encouraging eco-friendly business activities through incentives and rewards
• Regularly monitoring and adjusting policies and procedures to align with changes in government regulations and global economic conditions

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Selection of accountable vendors with good quality goods and reputation

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: POJK No. 51/POJK.03/2017, GRI Standards, GRI G4

Certifications: ISO 9001:2008

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Indonesia Grand Digital Marketing Award (IGDMA)

Environmental Metrics

ESG Focus Areas

• Digital Transformation
• Good Corporate Governance (GCG)
• Sustainable Business Activities (KKUB)
• Human Capital Management
• Cyber Security
• Customer Protection

Social Achievements

• Strengthened human capital competencies
• Improved customer service and protection
• Launched wellness card credit to accommodate healthy lifestyle needs
• Implemented various initiatives for employee competency development (Rp23.24 billion)

Governance Achievements

• Strengthened capital structure and maintained capital adequacy ratio
• Improved internal control and risk management systems
• Established a whistleblowing system (WBS)
• Received the "Indonesia Excellence Good Corporate Governance Award 2023"
• Consistently implemented GCG principles
• Achieved a "Rating 2" or "Good" in the 2023 GCG self-assessment

Climate Goals & Targets

Environmental Challenges

• Impact of the COVID-19 pandemic (loan restructuring, potential increase in NPL)
• Slowdown in global and national economic growth
• Inflation rates
• Shifts in people's lifestyles
• Cyber threats

Mitigation Strategies

• Accelerated digital banking development
• Improved information technology infrastructure and data security system (ISO 27001:2022 certification)
• Strengthened cyber security management system
• Prioritized the prudential principle
• Continued transformation in all areas (9 Impact Centers)
• Collaborated with the Mayapada ecosystem
• Developed Banking-as-a-Service (BaaS)

Supply Chain Management

Climate-Related Risks & Opportunities

Awards & Recognition

• Indonesia Excellence Good Corporate Governance Award 2023